Roundtable Discussion; The Future of Mineral Sands. Watch the video here.
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Faicj - whats your best board then?
Well i could toss a coin in the morning, and quote which way horsey is going today, this is the worst bb I look at, very poor intel
Why don't you take your political c£ap elsewhere. Thank you
Only the messiah would of done this
JC was the man the country needed
Well said Wenglishboy. The system works when it protects the needy and provides an escape, not when it encourages abuse and malingering. However, to have silver spoon cretins pontificate about social justice, while setting their own pay and cosying up to finance and tech interests is beyond hypocritical. Increased NI, inflation, council tax, food scarcity, childcare costs, social care will squeeze the middle beyond their elastic limit. When are Amazon, Facebook and Google going to pay what is fair? Perhaps Nick Clegg can enlighten us.
Sorry but what a load of rubbish.
The index of UK stocks has been called 49 points higher to 7100.48 by the spread betting firms
You can buy and sell as many times as you like once the money is in the ISA
I honestly thought that evading it that way
With the exception of the SB boys and girls
One might argue the lower and middle classes are going back to the Victorian era. If we ever truly left it when in comparison to wealth. The average person is now taxed nearly a quarter of their wage. Only to then go on and pay most of their income on fuel, food and the debt of a luxury or too.
The media are quite good at making us looking at the less fortunate as ”scrounging scum”. Not so long back I was one of those statistics living in a large family on benefits. I took the right path which unfortunately is very rare because so many other wrong paths out number the 1 good option. Partly deliberate in design If I were to add would my own opinion.
Wages need to rise and taxes need to drop, but now it seems 20 years or so of very high austerity is now here. Have you heard anything of “high austerity” from the media lately?
What the media are not talking about is generally what they are trying to avoid everyone seeing.
I hope you all have a healthy future and should you ever fall into a position of needing benefits it’s actually a system that is rewarding for those that need it and have paid into it, not the total demise and reduction of humanity the media want us to have.
BE VERY CAREFUL WITH WHAT YOUR TOLD TO THINK.
"there are people here giving share advice who have now only just realised the basics of an ISA....unbelievable."
Sadly it's not the norm saitoman, but as you say the advice keeps coming. Well not so much advice mostly just quoting and counter quoting SP numbers out of the blue, let's face it anyone can do that.
There are some knowledgeable contributors on here but most have left the Lloyds BB. Wonder why.
Self employed ! Careful isa .
I am amazed,I am a prudent chap with money.I have been doing shares for 30rs ,mainly in sharesave schemes with BT.Only in the last 7 yrs have I been buying and selling for proffit and investment.I don't consider myself an expert by any means but I am shocked by the lack of use of the ISA by many.I have been steadily filling mine and the wife's ISA over 7 yrs and do all my share stuff within them.I thought this was the norm..obviously not...there are people here giving share advice who have now only just realised the basics of an ISA....unbelievable...once the share tax was revealed...I retired 2 yrs ago at 50...and I am proud Of the fact ,I don't pay any income tax at all...my pension is under the 12.5k income tax limit and my investments are all in an ISA giving me a totally income tax free life...I thought this was the norm until now...tax is our enemy...use what the gov give us to make our lives tax free..I still cant believe that the gov give me £720 in tax relief per year on my second pension that I will pull at 55....do your research and you won't have to work for as long as you think...SM
Yes totally agree with investing in ISA a each year and trade if needed in ISA makes sense imho
sbt
Yes of course, you would always have needed an investment account if you have decided to invest more than £60,000 since the start of 2020.
For most young people wanting to start investments in shares, then the yearly allowance would most likely be sufficient until they got to the stage where their salary was at a level where they could afford to invest more than £20,000 a year.
Longtime, I have only really invested since the COVID outbreak and would of still needed a trade account as I have far exceeded the yearly limit an isa allows.
sbt
''I have opened an isa share account''
Better late than never.
First thing someone should do is to open a share ISA account before a penny is first invested, and then only trade within the ISA if the yearly allowance is sufficient.
VB
''Is the clever money not got all their shares in ISA’s''
I have put the maximum allowed each year since the inception of PEPS - ISA's (late 80's) but still have a large amount invested outside of an ISA.
I currently pay 32.5% tax on most of my non ISA investment income.
Investors should utilised as much of the ISA allowance as they can afford, without jeopardising lifestyle priorities that they have chosen for themselves.
Well you've had a few giving you some advice good luck my friend , Brixton you make me laugh my friend keep posting!!!:)up the gooners !!!
See
This forum does throw up the odd diamond
Bubble
Not necessarily , tax is not inherent knowledge ! ! ! ! .
That was supposed to say £10k as they exceed £10 now :-)
Cheers for the help, my dividends will exceed £10 next year and they are in a normal trading account, I have opened an isa share account so need to start selling to move over but it will take me a few years to move most of my stocks.
Stevebt, All dividend income in to your ISA account does NOT count towards your ISA tax allowance. It makes sense to move all your holdings in to an ISA account at this time. If you can use your dividend to increase your ISA you are saving money over the long term. Makes sense to run your ISA account. Every penny you can legally keep in tax savings is money well saved. I would suggest over time you make your ISA account your main trading account. No tax returns, increase in savings and win win. Good luck and if you want an idea look at adding reit shares to your ISA portfolio.
On a dividend income of £10 k you have to pay tax and it goes up say 25% on £20k etc rightly so but you got to hold a substantial amount of shares to receive £10k plus in a dividend tbh unless you have built up a substantial holding in an isa for a period of time /year's ,am not sure myself if the tax paid goes towards your annual income outside an isa I think you would need financial advice on that front am sure there's some oysters on here who could advise and put you in the right direction ,am nowhere near that stage but maybe in a couple of years i would need that advice only a couple of years into my isa holding atm ,maxing it out each year
Its not too late for Charlie boy to pay a special dividend this tax year, before the hike in tax on dividends kicks in next April
And
Pigs might fly :-)