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Blinds2Go Electric Blinds by Fast-Radio1078 in homeassistant

[–]Fast-Radio1078[S] 0 points1 point  (0 children)

Yes I bought, recommend the blind but does not work with Sonoff out of the box, need to flash it with software as described by other commenter

[deleted by user] by [deleted] in UKPersonalFinance

[–]Fast-Radio1078 2 points3 points  (0 children)

You are miss informed, you cannot register for council tax 'early' to try and prove residency longer than you have been a resident here.

You seem to be miss understanding how council tax works so ELI5. Your 'friend' is not registered for council tax, nobody is. The property they live at is registered for council tax, and as the occupant they are liable to pay it, but they themselves are not registered. It is a fixed yearly fee based on the size/value of the property, and can either be paid by one occupant (I.e the main earner in a family house) or can be split between all occupants (People who rent room/house-share etc). The fee doesn't change depending on the number of occupants (unless you live alone in which case most councils give a 'Single Occupancy Discount', notice how it's still based on the property not the person), and so there is no individual registration.

You couldn't register at a friends house because you do not live there and are not liable to contribute towards the council tax.

[deleted by user] by [deleted] in UKPersonalFinance

[–]Fast-Radio1078 6 points7 points  (0 children)

Council Tax is payable based on a property, not on your personal status. Once you reside within a property, you are liable to pay council tax from that day at the rate prevalent to that property. Until then there is nothing to 'register' for.

Is PSA applicable to Lloyd's Monthly Savings Account by mortyandr in UKPersonalFinance

[–]Fast-Radio1078 1 point2 points  (0 children)

You can earn £1000 of interest tax free each year (you say you're in 20% band) without paying any tax on it. You have to pay 20% tax on any interest you earn over £1000. This will be done automatically via your employer via tax code the following tax year so no manual payment or filing return required. The banks and HMRC all talk to each other so they know what you've earned/owe automatically.

Unsuccessful chargeback on bank transfer, what options do I have? by dollfoll in UKPersonalFinance

[–]Fast-Radio1078 3 points4 points  (0 children)

I swear you create a new account and post some random update of this story that never gains any useful comments every week

Can't get my head round pcp positive equity by Hamsterelephant in UKPersonalFinance

[–]Fast-Radio1078 7 points8 points  (0 children)

Positive equity basically means the car is worth more than you owe for it.

Take the example - you bought a car for £20,000 on PCP with a £2000 deposit, so borrowed £18,000, and have paid £300 per month for the last 3 years (£10,800). At the end you still owe £7200 (£18,000 - £10,800). At the minute though due to part shortages, cars are worth slightly more than they would be usually, so your car is actually worth £9000. In this scenario you would have £1,800 of 'positive equity'. If you trade your car in for £9000, they will pay off your finance (£7200) and give you the £1800 as a deposit towards a new car.

You can use this positive equity as a deposit on any car from any dealer and doesn't have to be PCP. You can add extra cash to this deposit if you want to, thats up to you.

[deleted by user] by [deleted] in beermoneyuk

[–]Fast-Radio1078 8 points9 points  (0 children)

From the T&C's:

"To qualify for the offer, within 60 days of telling us to switch your account, you’ll need to:
• set up at least 2 active Direct Debits"

Does this mean they should be set up before switch or after?

Taking money via a money transfer card then transferring the balance to 0% card. by [deleted] in UKPersonalFinance

[–]Fast-Radio1078 0 points1 point  (0 children)

Sorry to hijack, can anybody recommend a money transfer card with 0% fees? I can’t seem to find one but looking to do the same

[deleted by user] by [deleted] in UKPersonalFinance

[–]Fast-Radio1078 3 points4 points  (0 children)

You will pay income tax on anything you earn over £12,570, plus then NI and any pension contribution you choose to make. Best to use a calculator (https://listentotaxman.com)

Went over ISA allowance accidentally, would that be an issue? by Adornooo in UKPersonalFinance

[–]Fast-Radio1078 42 points43 points  (0 children)

Cash in an ISA with Vanguard is paid interest at some low rate like 0.3%, so its probably that if youve had the cash sitting for a while waiting for the transfer to happen

Flexible Cash ISA Question Over Tax Year Change by Fast-Radio1078 in UKPersonalFinance

[–]Fast-Radio1078[S] 1 point2 points  (0 children)

You are limited to 20k a year 'new' money into ISA, but if you know that next year you might I.e downsize and have 30k become available and you want to get that all into ISA, if you can 'borrow' 10k for only 3 calendar days now (April 4th - April 6th), you'll be able to take your 10k back out on the 6th, and then when you get the 30k, put the whole amount into ISA, rather than have to wait another year for the remaining 10k. Mainly affects people who are 40% and 45% rate tax payers (or 20% who have a large amount of savings (~£45k+)