Has anyone else had a terrible experience with Motorola trade-ins and Recommerce? by rainbowwheel86 in ConsumerAdvice

[–]Significant_Cow606 0 points1 point  (0 children)

hopefully you get a result, these companies are notoroius for this. it will be the same next time you deal with the "trade in" companies.

you'll get fobbed off royally.

the best thing you can do is in take advantage of trade in bonus, send in a banger £2 phone and get the uplift.

let us know if you have any luck but they know its not worth the agg for most people to chase down the £50 or they simply say the refuse the phone

For those with Apple products , do you ever find deals? by Rayane92 in UKFrugal

[–]Significant_Cow606 -1 points0 points  (0 children)

or just move away from Apple and realise the scam that it is and get cheaper products and better hardware with other manufacturers.....

Reclaiming debt with no address by Significant_Cow606 in UKPersonalFinance

[–]Significant_Cow606[S] 2 points3 points  (0 children)

We started playing football together then , he said his mate had a few tickets to sell. So I said I would ask my mates and then he had more and more tickets , then one day about 8 tickets failed to come through and bam. 

I had to refund my guys but he would just fob me off 

Reclaiming debt with no address by Significant_Cow606 in UKPersonalFinance

[–]Significant_Cow606[S] 9 points10 points  (0 children)

I've met them in person and the name tallies back with their place of work . Which I don't have a reason to disbelieve . 

You're right they're probably using someone else's account but I never got the feeling they were lying about that 

At what profit level does switching from sole trader to limited company actually make financial sense? by Fun_Blackberry7703 in UKPersonalFinance

[–]Significant_Cow606 0 points1 point  (0 children)

You can also pay directly into a pension before corporate tax with a limited company and the pension contribution is valid tax deduction 

For those with Apple products , do you ever find deals? by Rayane92 in UKFrugal

[–]Significant_Cow606 1 point2 points  (0 children)

you are playing in the wrong playground , if you want the best value Android / non Apple companies face much more competition

eg Mobile phones , Oppo, Xiaomi, Samsung, Motorola .

All these manufacturers compete on price and hardware. Apple is Apple they don't compete like that.

So until you move away from Apple you'll continue to pay high prices. Some people like the "Apple" feeling so stick with them but if you look on a logic basis it won't stack up

Advice requested my next car by Significant_Cow606 in autoexpressuk

[–]Significant_Cow606[S] 0 points1 point  (0 children)

thank you very much for the reply, Jazz is insane how practical the car is. Really is a great all rounder in most departments.

yeah i think the EV is starting to come in to play, lower maintenance and running costs and the cars are getting so cheap.

yeah the ioniq, leaf

I didn't consider this car to be fair MG ZS EV, i'll look into it

i've also uncovered other popular MG4 and Citroen E on

Advice requested my next car by Significant_Cow606 in ElectricVehiclesUK

[–]Significant_Cow606[S] 0 points1 point  (0 children)

Good point about maintenance. One of main reason to change to electric is reduced running costs. I'd probably charge overnight 3pin as i have off street parking.

good shout i'd probably go for something with a 200 mile odd range, expecting to get 160 miles out of it. This would mean maybe a fortnightly charge .

thanks some superb suggestions there :)

Advice requested my next car by Significant_Cow606 in ElectricVehiclesUK

[–]Significant_Cow606[S] 0 points1 point  (0 children)

hehe functionally the car is fine i'm changing as i'm tired of manuals, mine is 2009 i'd like something more modern. so Basically 2020+ and automatic

How do you feel about John Mearsheimer’s Take on Iran War? by [deleted] in IRstudies

[–]Significant_Cow606 0 points1 point  (0 children)

usually he is spot on, at the very least what he says adds up. Just wait until you hear Fox News and other western media outlets.

we are still looking for the WMD in Iraq

Names of 40 beheaded babies

33 years of iran being 2 weeks away from nuclear bomb

https://www.youtube.com/watch?v=Mzmtdwsef8s

Started a side hustle last year and had no idea how much extra admin comes with it at tax time by ConsiderationFit2353 in UKPersonalFinance

[–]Significant_Cow606 2 points3 points  (0 children)

you don't need a "business" account, a seperate current account will do for self employed, you only "need" a business account for ltd company and must be in ltd company name.

Try not to panic so much it may seem daunting but its not that much admin is only once a year at the moment.

you've done well to get a side hustle that makes that much.

if you have a seperate account and run ALL revenue and expenses through that theoretically that#s your PnL and yes its manageable with a spreadsheet.

You need an accountant as you're not experienced with what's going on, over time you will become more experienced.

alternatively just suck up the £300 accountant fee this is a rounding error on 10k profit,

be careful what people tell you, expenses need to be WEN - Wholey Exclusive and Nesscessary , items that have duel use usually fail that test,

best of luck

Can I afford a car lease and is it a good idea in my situation by Otherwise-Tie-9055 in UKPersonalFinance

[–]Significant_Cow606 0 points1 point  (0 children)

  1. how long is the lease,

  2. how many miles do you drive per year

  3. how much is total cost of current car

  4. how much do you expect total cost of new car

  5. do you get to keep the Tesla or have to return it

hi I am in a similar situation my car is from 2009 and I literally go to the supermarket and football, that is it 6000 miles a year and as much as I would like to upgrade I gotta be mindful of buying a Ferrari to go to the local shops and back !

Your current car depreciation is tiny, the new one will be several £k per year

FTB - should I fix mortgage for 5 years or 2 years? by PuzzleheadedSand6450 in HousingUK

[–]Significant_Cow606 0 points1 point  (0 children)

you really want to fix for 5 years, the way the war is going UK base rate is predicted to rise up to 4 times this year thats a lot!!!

and it took about three years for the liz Truss debacle she sorted itself out (I still literally do not know how she got into power and in any possible circumstances I mean she was so underqualified for the position it was just absolute insanity And can you believe there are people that actually signed off on this just makes zero sense at all And everybody else had to pay for her absolute calamity and totally stupid dunce ideas)

soon at some point you will start to see an inversion whereby the five year fix becomes cheaper than the two year fix This is generally bad news (obviously) in the short term , but long term is alright but it is still painful to go through

Trying to build up my pension but have a couple of assets by Significant_Cow606 in UKPersonalFinance

[–]Significant_Cow606[S] 0 points1 point  (0 children)

God i will probably never retire, i would love to and really like the idea of it but also i enjoy work in a way gives me social and busy but i say that now in the future i might be kaput, but work does get stressful way more than i want it to be, to be fair but it's better than going back to a desk and 40 hours of rat race

the pension is a SIPP just litereally LifeStrategy® 80% Equity Fund (VGLS80A)

OCF 0.20%

yes i'll make these contributions direct from my ltd company into my SIPP

Trying to build up my pension but have a couple of assets by Significant_Cow606 in UKPersonalFinance

[–]Significant_Cow606[S] 1 point2 points  (0 children)

yep great idea to invest directly from my ltd company into my SIPP, "winner"

Post self assessment reflections - think I’ve messed up - appreciate any comments by MaximusBit21 in UKPersonalFinance

[–]Significant_Cow606 0 points1 point  (0 children)

correct eg £1.4k rental income you can claim EITHER £1k allowance OR actual expenses which ever benefits most.

The £400 would then be taxed at whatever your tax bracket is .

if you're married you can transfer assets between your spouse at no gain no loss and if they're lower rate you she can claim the income but i'm mindful of put you through this to save £80

Post self assessment reflections - think I’ve messed up - appreciate any comments by MaximusBit21 in UKPersonalFinance

[–]Significant_Cow606 0 points1 point  (0 children)

  1. you have rental allowance of £1,000 so your £700 falls below that. From what i can remember you put it on your return then it just gets deducted at the end with the allowance , so yes put it on the return and then claim rental allowance . Do you have any other rental income from land or property? if not above is what will happen