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Post by brianac on Mar 7, 2016 18:15:06 GMT
odd, that was a reply to an entirely different post (the Google bypassing ftAlphaville bit)
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Post by brianac on Mar 7, 2016 18:13:31 GMT
re;: 'Delay of launch date' .. no thanks, HMG has been kicking this tin can further down the road every year for 2 or 3 years already, and I definitely down want to ask them to kick it even further. People can make their own mind up whether to wait, or whether to jump into whatever is available, etc. If they do transfer all their historic ISA funds into FC or RS, they can also transfer them out again just as soon as there is some place else to put them. Most folks would rather have margarine today than nothing today and the promise of jam tomorrow .. when the jam arrives we can switch to that. YMMV. That doesn't seem to work for me. (Firefox BTW) Still get the greyed out screen.
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Post by brianac on Feb 19, 2016 15:03:49 GMT
The more a platform seems to encourage feeding frenzies, the less I trust them. This leaves ... SS ... There are worse feeding frenzies than SS's SM? Hungry piranhas apart, of course. Ahh, so you been on FC SM too then :-0
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Assetz Capital (AC)
ISA Survey
Feb 16, 2016 21:39:02 GMT
Post by brianac on Feb 16, 2016 21:39:02 GMT
i) I raised the question previously on this forum about whether or not IFISA P2P losses could be offset against income. FWIR the response was not positive. Of course we keep on hearing that HMRC has yet to spell out the details, so perhaps we'll just wait and see on that one. Yes, we will have to wait and see what the final rules are, but I'd be absolutely gobsmacked if losses generated inside an ISA were allowed to be used to offset income from outside an ISA that would otherwise be taxable. So unless lightning were to strike, I'd think that the best P&P holdings to have inside an IFISA would be those that generate the highest net return -- by which I mean profits after losses are subtracted. With P2P -- or any other investment, for that matter -- it's rather difficult to know in advaI think I'm gonna stay clearnce which one will produce the best return. Time to polish up our crystal balls? I think I'm gonna try and avoid property as much as possible, particularly around London, trouble is, it seems hard to avoid in P2P.
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Assetz Capital (AC)
ISA Survey
Feb 16, 2016 18:54:40 GMT
Post by brianac on Feb 16, 2016 18:54:40 GMT
Unless I am mistaken, you can open as many ISA accounts as you wish. The important thing is that you are only allowed to contribute new money to 1 ISA per financial year (of a particular ISA type). True so how are you going to decide which P2P site you open your ISA for the coming year starting 5th. April? That's what I'm trying to decide. FC are out, too much hard work for the return (And I don't trust autobid) Plan is hopefully to have 2 - 1 transferred in. All sugestions listened to.
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Assetz Capital (AC)
ISA Survey
Feb 16, 2016 16:58:00 GMT
Post by brianac on Feb 16, 2016 16:58:00 GMT
I assume that other P2P site will also be looking into opening an ISA account and the question will then be which site will you choose, this is going to require much more thought as you will be only allowed 1 ISA account and doubt members will be thinking about the questions they have to consider. At first I thought that from a purly financial point of view the board which you are most invested in should be a front runner but then I started thinking if this would be the most sensibly one. Assuming that you are using different leanding sites for different lending policies it now seems to me that on basis that you would/could be allowed to ofset any losses it would be make more sense to have your most agresive lending scheme in your isa where your lending is at higher lending rates and therefore larger returns but possible chance of more failues combined with potential losses off set against returns. Interested in reading what other members are thinking about where to invest their ISA cash. Surely you are allowed lots of ISA accounts, but you're only allowed to open one per year, or are HMRC specifically not allowing transfers in?
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