dzo
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Post by dzo on Feb 10, 2017 17:06:07 GMT
INPL on PM purchases is pointless because we already know in advance to deposit funds on the right day. You never know what might crop up on the SM so you either miss out, or have money sitting there earning no interest.
It's disappointing to see SS abandon one of their best features.
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dzo
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Post by dzo on Feb 9, 2017 20:14:47 GMT
I believe it's still possible to gain administrator access on (unencrypted) Windows by renaming executables so they get run on startup.
That's an improvement from the Windows 95 days where you could just open task manager and kill the logon task.
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dzo
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Post by dzo on Feb 8, 2017 21:49:36 GMT
Incidentally, the Halifax HTB ISA is still paying 4% for those who took it up at that rate, isn't it? 3.5% for me. I opened it the day it launched.
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dzo
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Post by dzo on Feb 7, 2017 19:02:30 GMT
I'm holding off until mid-march in the hope there'll be more options. My current plan is to get a flexible one and put the full allowance in by 5th April, but then take it out again on 6th so I can deploy it gradually. If my understanding is correct there's also the possibility of putting everything in one ISA this year then doing several partial transfers to different IFISAs in the next tax year. You should check the ISA provider allows partial transfers. Some don't even though it is permitted by the regulations. I didn't realise they could refuse. Is that for transferring out or transferring in? Or is it both?
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dzo
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Post by dzo on Feb 6, 2017 22:45:07 GMT
Has anyone actually invested in any of these? Its a lot of money to invest the full allowance in any one of these and also get it fully deployed in a reasonable time I'm holding off until mid-march in the hope there'll be more options. My current plan is to get a flexible one and put the full allowance in by 5th April, but then take it out again on 6th so I can deploy it gradually. If my understanding is correct there's also the possibility of putting everything in one ISA this year then doing several partial transfers to different IFISAs in the next tax year.
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dzo
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Post by dzo on Feb 4, 2017 15:36:03 GMT
You can subscribe to any number of cash ISA accounts provided that they are all with the same ISA manager. So first check is whether the cash ISA provider you're with offers one. If not you could consider a transfer. The approximate guidance that it's only one account of each type is not quite right, just simplified to make it easier to understand. You cant subscribe to separate HTB & Cash ISA with the same ISA manager if they are separate accounts. You can subscribe to multiple products within one account, know as a split ISA (HMRC HTB ISA regs 4.7 clause V) Nationwide, Aldermore, Natwest, Ulster, Newcastle offer this. Nationwide is a flexible account, havent checked rest. According to my research Aldermore and Newcastle are also flexible, but Natwest and Ulster aren't. Slightly off-topic, but does this mean you could use your HTB ISA for a deposit then pay an equivalent amount back into the cash ISA and retain the full allowance?
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dzo
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Post by dzo on Feb 3, 2017 10:10:20 GMT
ilmoro Could you add a column for which IFISAs are flexible? This can be an important consideration for those who've paid into a HTB ISA during the tax year. The Abundance one is flexible. LandlordInvest makes no mention of flexibility so presumably isn't (@filipkaradaghi can you confirm?). I haven't checked any others yet. It something Id considered (think it was there in the original version) but it didnt look like anyone except Abundance offered it. Not sure how it relates to HTB ISA as they cant be flexible AIUI and count as cash ISA. Anyway happy to add column it if it would be useful Thanks. The reason I say it relates to HTB ISAs is because they count as a cash ISA so if you've contributed to a HTB ISA, you can't open a flexible cash ISA in the same tax year. That makes flexibility in other types of ISA a more important factor.
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dzo
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Post by dzo on Feb 2, 2017 22:42:15 GMT
ilmoroCould you add a column for which IFISAs are flexible? This can be an important consideration for those who've paid into a HTB ISA during the tax year. The Abundance one is flexible. LandlordInvest makes no mention of flexibility so presumably isn't (@filipkaradaghi can you confirm?). I haven't checked any others yet.
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