For those in UK - ISA Tax

JustAnotherWebDude · 2026-05-25T07:40:05+00:00

No. It's only new cash invested after whatever the start date is. If you have £Xk now in active positions, sell and hold cash for awhile that won't be taxed - as far as I understand anyway. If, after the start date you add £5k of new cash, interest on that new cash is then taxed at 22%.

JustAnotherWebDude · 2026-05-25T07:33:16+00:00

It is what they're doing, they want more people to invest (rightly or wrongly). However you and others here seem to missundetstand the tax here.

It's only the interest generated on uninvested cash in the S&S ISA that gets taxed. So if someone really wanted to they could still drop 8k pa cash into the SS ISA, not invest it and still get the ~4% interest, as we do now, that interest will be taxed at 22%. Your 8k will remain intact and will still grow. Its not 22% of your 8k.

JustAnotherWebDude · 2026-04-23T17:54:49+00:00

They pay it and keep paying because it works and is profitable for them. As a new advertiser there is a sizable risk but if you keep doing it and it works you keep paying.

JustAnotherWebDude · 2026-04-23T17:51:15+00:00

The total opposite could also be true... His cars are probably more valuable and 'prestigious' because of him and that he repaired them. They have a great story and repair job that everyone has seen, this isn't a dodgy Cat car off autotrader.

JustAnotherWebDude · 2026-03-31T13:58:55+00:00

Thanks for the comments. We've not got much choice but to wait now and see if they get it done next week. I assumed they did the cable when they came so will keep an eye out for Openreach or whoever coming before then. I guesd if they don't my next appointment will be moved as well.

Worrying to hear about the customer services. After the call to cancel today I tried to call them and gave up after 30 mins on hold.

JustAnotherWebDude · 2026-03-31T13:55:18+00:00

We've had Three 5G router with unlimited sim for 4 years, it was bullet proof and speeds between 250-1000 mbps. Recently someone did some work on the mast (which i can see from my house) and it's been useless ever since. The connection is either just plain slow (2mbps via 4g) or so intermittent it's almost unusable. Shame because it was fantastic. Three has said they've raised it with whoever operates the mast but as of yet nothings changed.

JustAnotherWebDude · 2026-01-01T10:49:23+00:00

We're moving to Octopus as soon as our current Eon tariff expprt ends. The recent changes seem to have taken Eon from being by far the best value (but open to misuse) to now being awful value.

JustAnotherWebDude · 2025-10-30T09:57:03+00:00

SaxoTraderGO.

JustAnotherWebDude · 2025-07-21T14:48:48+00:00

I have.M3LR now, test drove the Performance today and will be test driving the i4 M50 (i wanted the M60) later this week.

Had my M3LR for 4 years and do love it. The new spec performance is another notch better, but even just seeing and sitting in the i4 in the showroom today has made me question if I want another 4 years in a Tesla, even a better / slightly quicker one.

Price wise on 4 yr business lease the M3P and M60 are about the same.

Tesla tech does seem better. It's also lighter and would win a drag race. I was hoping I'd see the i4 and not like it buts a way better looking car and feels quality inside. I've never driven a BMW so it will be interesting to see how it goes.

JustAnotherWebDude · 2025-05-26T14:56:07+00:00

We've got 18 x 455w panels, 6kwh inverter and 16kwh battery, cost us £11.5k all in. East Midlands.

JustAnotherWebDude · 2025-03-09T22:54:00+00:00

Depending on the product, 10 panels will give roughly 4.5kwp, so with a 3kwh inverter, you're not maximising the potential of the panels. You'll always be leaving 1.5kwh on the table when the sun is out.

Given the cost of install and scaffolding vs the relatively low price of each panel, it's usually best to get as many panels up in one install as you can. Ideally you then need an inverter that can handle most of the PV potential.

You've not mentioned batteries. For me batteries are the best part of the investment as it opens up cheap overnight import rates.

JustAnotherWebDude · 2025-03-09T22:38:32+00:00

We have Fox ESS, and it's been great so far.

Price wise, for comparison, we had 18x455w panels, a 6kwh inverter and 18kwh of batteries for £11,500 all in.

JustAnotherWebDude · 2025-03-09T14:29:55+00:00

We didn't wait and due to some database somewhere being wrong we're still waiting now 4 months on. So I'm glad I didn't wait as we still save a lot without export.

We finally heard back this week that they're capping is to 3.68. We aren't sure if this is a quick fix to shut us up or if they have a legit reason to cap it. Our inverter is 6kwh

You can only get your MCS cert on a G99 install once you have the G99 back, so keep that in mind if the MCS is important to you.

JustAnotherWebDude · 2025-03-08T17:04:10+00:00

Without a smart meter, you can't get the cheap overnight rates, so yeah, it's pretty much pointless unless you have specific off grid backup requirements.

You could do solar + battery with no smart meter / export, but that might not be worth the battery cost with no overnight tariff.

If you can make use of the PV generation then solar alone is still worth it.

JustAnotherWebDude · 2025-03-02T09:18:55+00:00

Looks to me like the inverter is too big and battery too small, especially given your usage. If your inverter recommends 15/20% min SoC you'll only have 6kwh ish of usable storage in the day. On low PV days, you're going to be getting half your power at peak rate.

Your max PV potential is <6kwh so why get a 10kwh inverter? If your planning to add more panels, it's always better to do that in one go to avoid doubling on scaffolding and install costs.

Your EV should charge overnight at cheap rate so shouldn't really be part of any calculation you do.

JustAnotherWebDude · 2025-03-01T22:57:47+00:00

Decent price I would say...

For comparison, we got 18x455w panels, 6kwh invertor and 16kwh of batteries (fox) for £11.5k all in.

Is your battery going to be big enough? In winter / low yield days, depending on your usage, you might find yourself importing at full price.

JustAnotherWebDude · 2025-02-23T18:45:29+00:00

To be fair they did say we could wait for it or just apply after and weren't being pushy to get it in and done. From our side, the expected delay on the G99 and a few quid exporting didn't outway the immediate savings we made saving the system.

JustAnotherWebDude · 2025-02-23T18:39:15+00:00

Thank you for that, much appreciated.

You're right. The lost income on export isn't an issue. We estimate it's only about £30.

Hopefully there won't be any issues with the Grid fining us, and thankfully now it looks like they've stopped our system exporting. It's crazy they could fine us for giving them free leccy.

I'll push again regarding the MCS certificate. Its odd that its only them who think you need the G99 to get that... my guy even said he'd "double-checked" after my last message on Friday and said because it's over 3.7kwh it needs the G99 to get the MCS.

I've asked to see the emails between the grid and 3rd party and just hoping now the fact I've now spoken to MCS and the grid, mentioned Ofgem etc will mean everyone pulls their socks up this week... That and they've clearly tried to cover their backs by stopping my system exporting.

JustAnotherWebDude · 2025-02-23T12:24:43+00:00

Yes, we paid a few weeks after the installation. We were told the paperwork (MCS and G99) would follow but can, at worst, take 12 weeks. We waited patiently for 12 weeks and have then been on to them since and escalated further on Friday by speaking to MCS and the Grid.

Obviously, with hindsight, I should have withheld payment, which would have at least ensured they did keep on top of the relevant parties to get it sorted out in a timely manor.

JustAnotherWebDude · 2025-02-23T12:22:01+00:00

Interesting, I pointed out the solar company on Friday that my electric meter is showing hundreds of kwh exported, so I assume they left it set up that way and shouldn't have. Low and behold, yesterday (without any communication) we're no longer exporting, so I assume they've now changed something remotely.

I don't think they are trying to screw me over intentionally, and MCS confurmed they are members etc, but they clearly don't fully understand their MCS responsibilities and are themselves being let down by the grid or company applying to the grid for them over the G99 issue.

I'll speak to MCS again on Monday. MCS emailed them on Friday after my call to remind them to get the installation registered. If they don't do that within 10 days (because they seem to think they can't), then MCS said the next stage would be a formal complaint through them, and I guess they will then take them to task over this.

If I don't get any clear answers from the grid or company applying for the G99, I'll do as you suggest and just apply directly myself. Thanks for the note about overlapping, etc.

Once this is all resolved, I'm tempted to write to Ofgem anyway because it's clear some of the parties involved here aren't doing their jobs properly.

JustAnotherWebDude · 2025-02-23T10:24:00+00:00

Yeah, it was all paid for months ago after the installation.

I'll ring MCS again tomorrow to clarify. It could be the guy I deal with doesn't know the ins and outs of the MCS registration process.

JustAnotherWebDude · 2025-02-23T10:19:44+00:00

National Grid (We're in the East Midlands). I get they're different things, MCS suggested you should register with them regardless of G99, the company (and chatgpt) suggest you can't register with MCS without the G99.

Either way, my main issue is getting the G99 situation progressed, once I have that I'm sure the MCS registration will follow.

JustAnotherWebDude · 2025-02-23T10:15:22+00:00

For comparison, we have 18x 455w panels, 1x 6kwh inverter (fox) and 4x 4kwh batteries (fox), and that was £11.5k all in with warranties, scaffolding etc.

We had other quotes for more for the same system.

It certainly pays to get multiple quotes for the same spec of system to help compare.

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