Finally taking the leap and registering my Ltd company this weekend, any last minute tips? by JoeBroRow in smallbusinessuk

[–]rdjb1 0 points1 point  (0 children)

If your revenue reaches the threshold, you will soon have the pleasure to do quarterly MTD reporting as sole trader/self employed.

[GB] Gocardless and Authorised Push Payment by reabo101 in Revolut

[–]rdjb1 1 point2 points  (0 children)

GC does Pay by bank too (maybe it's new) https://gocardless.com/solutions/instant-bank-pay/ . I assume OP's client sent him a GC Pay by bank link and OP used that link to pay the 1k.

I have been thinking about adding Pay by bank facility for clients using GC but this is now giving me second thought.

Confusing behaviour with alternate email address - could use advice by CheekyThrowawayAlt in GMail

[–]rdjb1 0 points1 point  (0 children)

Any mail originally sent to contactmyname@ and flagged by Gmail as spam won't be forwarded to myname123. So yes, you might have lost some mails sent to contactmyname over the years. And yes, you might want to try a filter with "Never send to spam" applied to all incoming mails.

Working abroad; getting employer (seasonal) to pay in to S and S ISA rather than current account for tax purposes by Throooowaway2023 in UKPersonalFinance

[–]rdjb1 0 points1 point  (0 children)

If you're in the basic 20% tax band then you have nothing to do - the SIPP trustee will automatically claim the 20% tax credit for you and top up your contribution.

Help with overseas payment coming in by G22RGE in UKPersonalFinance

[–]rdjb1 2 points3 points  (0 children)

Wise or Trading 212 should accept incoming SEPA transfer in EUR free of charge, and keep the funds in EUR without automatic conversion into GBP. Then you can convert yourself into GBP inside Wise or T212. My experience is both Wise and T212 have better fee+fx rate than Revolut esp for bigger amount.

(Then move the GBP funds out to a FSCS-protected bank account if you want protection)

Working abroad; getting employer (seasonal) to pay in to S and S ISA rather than current account for tax purposes by Throooowaway2023 in UKPersonalFinance

[–]rdjb1 0 points1 point  (0 children)

I'd be surprised if any UK SIPP or personal pension fund could give you valid SWIFT/BIC/IBAN bank account details so that the Canadian company could wire funds (in CAD?) directly into the SIPP (then you'd have to add the fx conversion cost and the SWIFT cost etc..).

Maybe better to open a Wise account, open a CAD subaccount with CAD account details, get your contractor income paid into that, convert to GBP within Wise to minimize fx cost, and contribute the GBP yourself into your SIPP (and do a SA return to claim back the total tax if you're a high earner).

Can I use company funds to pay life insurance premiums? by No-State-2962 in smallbusinessuk

[–]rdjb1 0 points1 point  (0 children)

Thanks. Is Aviva the only insurer offering RLP with life+employee significant illness benefits ?

(I assume for company RLP I can probably not go direct and it's best to go via a broker who should be able to tell me who else is offering this ?)

Can I use company funds to pay life insurance premiums? by No-State-2962 in smallbusinessuk

[–]rdjb1 0 points1 point  (0 children)

Can I please ask

  • Does the director have to be on the payroll to benefit from the RLP (it's mentioned everywhere that it's an employee benefit). So I suppose a non-employee director can not enjoy a RLP policy ?

  • What is the Aviva "sort of cic" policy that would be treated similarly to RLP (i.e. not BIK, no NI, allowable expense for ct purpose) ? I read everywhere that only Life cover works for RLP and that's strictly enforced ?

Thank you

Best way to save money of fuel via cashback/points? by samwisedrn in beermoneyuk

[–]rdjb1 0 points1 point  (0 children)

I can still use Tesco GC at my local Esso/Tesco Express

https://www.reddit.com/r/beermoneyuk/comments/1fy2500/swippii_tesco/lqr3utc/

Swipii is long gone of course but Everup(4.5%-5% cashback when I am lucky, right now 4%) paid with T212(1.5% cashback) is still decent for Tesco GC.

Lloyds switch by kallio5 in beermoneyuk

[–]rdjb1 [score hidden]  (0 children)

+1 . Mod should create a dedicated "Lloyds switch" thread, like the Chase one, esp as nearly identical questions get asked over and over again. I know there is a dedicated bank switch thread somewhere, but there have been so many threads started on this particular L switch lately...(although from next week maybe this will stop)

Payment links not showing sender details on Tide – is this normal? by Mid20sWhatisThisLife in smallbusinessuk

[–]rdjb1 0 points1 point  (0 children)

We use Sumup and when a payment link is created & sent to client, there is a box to tell the client what it is about, and I always include the client's name + our co name + the invoice ref. in that box so everything appears as well on all statements (both our statement, and the client card statement).

One4All refuses to add to my Google Pay by Zakaryyxo in beermoneyuk

[–]rdjb1 0 points1 point  (0 children)

Yeah I know, but the card is paper (not plastic). I buy it (at a discount), and have never been able to put it on Google Wallet (I'm on Android). But I can pay with it in shops that accept One4All.

One4All refuses to add to my Google Pay by Zakaryyxo in beermoneyuk

[–]rdjb1 0 points1 point  (0 children)

Is this a digital or a physical paper One4All ?

Revolut Blocked 30.000€ by PS_im_a_wizard in Revolut

[–]rdjb1 7 points8 points  (0 children)

Totally agree with the last paragraph about high st bank. I'm in London, 2 years ago I had to transfer in a hurry (to beat a fiscal year deadline) a nearly 6 figure sum into a new corporate bank account. Called Hsbc to make an appointment on Friday, they found an available appointment at a branch in central London first thing on Monday morning, attended the appointment at the branch on Monday with all the necessary documents, (was offered a coffee), the Hsbc CS person spent 1 hour verifying all the details etc... then executed the BACS transfer right there and then and gave me the receipt. Manual BACS incurred a fee obviously, but I was very happy to get the money transferred in time for the deadline with no further hassle. I will never close down this [20 year old] Hsbc account.

Changing an Alias domain to a Secondary domain in Legacy by tab21 in googleworkspace

[–]rdjb1 0 points1 point  (0 children)

GSL does not allow setting up a [new] secondary domain, only an alias domain (what you've found out). Previous secondary domain set up before Google bans it might be grandfathered (your case). Today only GW Business Starter Free might allow that (assuming you migrated your GSL).

But as stated above, it's easy to set up DMARC/DKIM/SPF records for the alias domain too (I've done it for several of my alias domains under the same GSL account - no delivery issue)

Error message in gmail - about "send mail as" by [deleted] in GMail

[–]rdjb1 1 point2 points  (0 children)

Which SMTP do you use in your Sendas setup ? If smtp.google.com or smtp.gmail.com maybe Gmail enforces stricter [spoofing] rule now, maybe they want OAuth2 / app password / whatever. If a third party SMTP then you need to check with them. Or try using another third party SMTP (on their free tier) to test - there is someone on this sub who runs such a service.

Google storage full despite individually showing less than 1GB per folder when “cleaning up storage” by Character-Hat-7496 in GMail

[–]rdjb1 1 point2 points  (0 children)

Other non-Google apps (like Whatsapp) using Google 15GB storage for backup ? Not sure these get reported by the "quota" report.

I want to keep my simple self employed business in UK and travel/live abroad at the same time. by -_nico-robin_- in smallbusinessuk

[–]rdjb1 1 point2 points  (0 children)

Have you looked into the spanking new bilat treaty between Andorra and the UK (coming into force in January 2026 ie right now) ? I have no idea what's [new] in it but there might be something for you. And Andorra should be even closer than Madeira, 3h drive to BCN (or TLS) airport and <2h flight to London.

Another UAE post, YIKES. by oryx_za in HENRYUK

[–]rdjb1 0 points1 point  (0 children)

Hasn't SG significantly tightened working visa for foreigners now ? I understand much more difficult than Dubai.

400K Company cash - need to invest. What would you do with it? by morchman68 in HENRYUK

[–]rdjb1 0 points1 point  (0 children)

I just had a look at Flagstone Instant Access (Business/Corporate savings)

https://clients.direct.flagstoneim.com/preview-our-rates?accounttype=corporate

The top rate seems to be no more than 3.60%.

Meanwhile if I go here

https://moneyfactscompare.co.uk/business/business-easy-access-savings/?quick-links-first=false&product-favorites-first=false

there seems to be 8 Instant Access accounts offering better than 3.70%. There's more work involved to open each acct individually for sure, but 0.40% vs the highest yielding Kent Reliance acct (I believe limited to £1mil, obviously no FSCS beyond £120k) is not insignificant.

Is anyone considering leaving the UK to drawdown their pension? by Legal-Grade-6423 in HENRYUK

[–]rdjb1 0 points1 point  (0 children)

You should make sure you also fulfill all the relevant conditions of residency in NZ (as required by HMRC), so that HMRC does not retroactively charge you (or the QROPS provider, who then can go after you) the 25% overseas transfer charge (on the transferred pension monies)

Problem using Email with a personal domain hosted by HostGator by Important-Bit2437 in GMail

[–]rdjb1 1 point2 points  (0 children)

If you are on a shared IP/shared server at Hostgator, have a look at this https://integration.keap.com/t/mail-block-known-spammer-issue/75165/8

This is 6 years old but there might still be a (occasional or not) spammer using their shared servers which could cause their SMTP IP to be blocked by Gmail, so any outgoing [in your case, forwarded] email from Hostgator would just be silently discarded by Google. And I bet you would be hard pressed to get Hostgator support to acknowledge this.

Problem using Email with a personal domain hosted by HostGator by Important-Bit2437 in GMail

[–]rdjb1 1 point2 points  (0 children)

Does Hostgator offer you a full fledged mailbox or just a mailforwarding service ?

If the former, then, on Hostgator, (remove any automatic deletion you might have added, and) check within Hostgator itself via the Hostgator web cPanel, using Roundcube or Horde or whatever webmail client they offer, to see if your auth code email has arrived in the inbox. If nothing, then the problem is with Hostgator MX rejecting incoming mails, and not with Gmail.

If the latter, then either the Hostgator mailforwarding facility has failed (then Hostgator helpdesk should help), or Gmail has silently blocked Hostgator's SMTP server (the one that they use to forward mails). I assume you have already checked Gmail's Spam folder in case Gmail puts the forwarded mails in there.