Tax free cash ISA allowance to be cut

[JohnD]

I suppose you do it to make yourself feel bigger by denigrating others.

Perhaps you should try not to lie so often.

Have you found your imaginary press release yet?

Have you found an example where you claim I have falsely said I made a successful investment?

No to both.

 

[motorbiking]

Give me some examples of where you have stated that you are buying a stock at the time you bought the stock.

Spoiler

He'll tell me to mind my own business

 

[noseall]

Do you hold any stocks and shares Nosenout?

Not directly no. Not sure how my pension is invested....?

Do you pretend that you bought stock you didn't to show how wise you are?

No. Im shìt with money. Im a good saver is all.

Perhaps you would avoid suspicion by stating which stocks you are buying, when you buy it. Not some months or years later.

I dont lie. Why would i waste energy trying to avoid suspicion? Conversely I wouldnt tell the whole truth if it meant holding back personal information.

We can all be investment geniuses by pretending we bought at historic lows.

I don't see the point sorry. I nether brag nor lie.The truth works fine for me.

 

[motorbiking]

Not directly no. Not sure how my pension is invested....?

No. Im shìt with money. Im a good saver is all.

I dont lie. Why would i waste energy trying to avoid suspicion? Conversely I wouldnt tell the whole truth if it meant holding back personal information.

I don't see the point sorry. I nether brag nor lie.The truth works fine for me.

Why do you think you are **** with money and a good saver?

Is it, about finding the best interest rates - you struggle with?

Yes your pension, will have stocks, depending on the level of risk you have chosen, assuming you even expressed a preference.

You sum up this thread. Most people can get their head around a tax free ISA or NSI bond, they don't want to be tricked or coerced into buying S&S, when they have no idea how to invest.

It was rumoured that Rachel Reeves for example wanted to give incentives for investing in UK businesses. History, says that might not be the best place for you to invest.

 

[JohnD]

Give me some examples of where you have stated that you are buying a stock at the time you bought the stock.

You and I are not in a fantasy investment competition.

Give me an example where you allege that I have falsely claimed I bought a stock that later proved to be a successful investment.

 

[noseall]

Why do you think you are **** with money and a good saver?

Mh son keeps telling me to take a risk and invest.

Is it, about finding the best interest rates - you struggle with?

No. My cash is spread over various accounts.

Yes your pension, will have stocks, depending on the level of risk you have chosen, assuming you even expressed a preference.

I can't remember. Low risk knowing me.

You sum up this thread. Most people can get their head around a tax free ISA or NSI bond, they don't want to be tricked or coerced into buying S&S, when they have no idea how to invest.

Some folk are just not interested. I for one glaze over when people stard bragging about money. Dull as dishwasher.

 

[motorbiking]

You and I are not in a fantasy investment competition.

Correct.

Do feel free to answer the questions you've been asked.

 

[JohnD]

Do feel free to answer the questions you've been asked.

I can't help noticing that you haven't done that.

 

[JohnD]

Poor biker fantasises that people he doesn't like can't be investors. And invents lies.

Can he produce an example to support his delusion?

Unlikely.

Perhaps he read it on one of his made-up press releases.

Still no.

 

[JohnD]

....Have you found an example where you claim I have falsely said I made a successful investment?

Nope

No example from biker the liar.

 

[JohnD]

I don't see the point sorry. I nether brag nor lie.The truth works fine for me.

Quite right

Biker the liar can't grasp the concept.

 

[motorbiking]

Mh son keeps telling me to take a risk and invest.

No. My cash is spread over various accounts.

I can't remember. Low risk knowing me.

Some folk are just not interested. I for one glaze over when people stard bragging about money. Dull as dishwasher.

Given your skill set and age, I would consider perhaps an AirBnB holiday home, in a nice place that hasn't yet been "discovered". Perhaps somewhere that you and the family like. With a bit of luck it will be self funding. Property prices are still fairly depressed due to the uncertainties of the government. Avoid places with Council tax premiums on 2nd homes. There are plenty that will give business rate exemption.

Something around £180-250k that needs some fixing up. that will generate 10-15% Gross Profit, plus capital growth, which may not be much. Your variable costs will be Utilities, insurance and repairs, which are deductible. You'll have furnishings on top. As you phase out of working full time, you'll have this place either to downsize to, or simply enjoy more and more. Its a lot easer than a buy to let.

Now you could put the same in some ETFs and get a similar yield without any effort, or build your own portfolio but the above - is something you can get your head round.

 

[motorbiking]

I can't help noticing that you haven't done that.

I'm not the one giving out investment advice that I've either pretended to have taken or haven't taken. As I said:

Nobody cares about your pretend investments.

 

[Mottie]

My cash is spread over various accounts.

…or under the floorboards. Some say holding cash is an asset that is being eaten away but others will say that a self employed person holding cash under the floorboards is at least 20% up on their holdings in the first place.

 

[Mottie]

Give me an example where you allege that I have falsely claimed I bought a stock that later proved to be a successful investment.

I can’t remember you giving us an example of where you lost money on your stock investments or have they all been rock solid gains? Some gamblers are like that - they’ll always tell you of their wins.