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>> No. 7388 Anonymous
20th October 2018
Saturday 12:08 pm
7388 Budgeting
What's the best method for budgeting?

I'm aware that I'm drifting a bit through life and not paying close enough attention to my personal finances. I could do with a system so I can analyse what is being spent and where that I can also use to plan ahead for annual bills and the like. I'm assuming the best thing to start with would be putting my bank statements on a spreadsheet.
10 posts and 2 images omitted. Expand all images.
>> No. 7691 Anonymous
18th August 2019
Sunday 11:31 am
7691 spacer
If it's that kind of categorisation you're after, YNAB is excellent.
>> No. 7702 Anonymous
18th August 2019
Sunday 9:10 pm
7702 spacer
Monzo is bloody brilliant. Their customer comms is clear and honest, even if it puts them in a difficult light, their app is brilliant, no faffing, customer service is at the other end of a whatsapp style chat box that responds 24/7, no more sat waiting on the phone, it's all done through the app.

Starling is equally as good, but I find the interface a bit dark and gloomy.
>> No. 7828 Anonymous
2nd January 2020
Thursday 12:49 am
7828 spacer
So is YNAB what we're picking for budgeting software? I read that YNAB doesn't do direct transaction imports for UK banks but can do file based imports. I'm guessing it can at least accurately categorise spending?

What alternative budgeting software is out there? I see Monzo and Starling mentioned; I'll take a look at them. Anything else?

Please don't mention any brands too often or we'll have the astroturfing police turn up.
>> No. 7829 Anonymous
13th January 2020
Monday 4:15 pm
7829 spacer
What premium would you pay to rent your own place?

I'm looking in London. I have somewhere nice, that's shared. I'd be looking at an extra £200-£300 a month for a nice enough 1 bed flat, that isn't a mouldy little bedsit.
>> No. 7830 Anonymous
13th January 2020
Monday 5:58 pm
7830 spacer
I think paying the premium to be on your own is a very good idea - but everyone is different and some people actually like sharing.

The challenge with living in London is the area - too far out and you end up with an hour commute, some areas aren't served with great public transport, there are a bunch of trade-offs. My advice would be pay as much as you can and live right in the centre - it'll be a tiny place compared to what you get outside Zone 3 and higher but you'll be happier.

>> No. 7819 Anonymous
29th December 2019
Sunday 5:19 pm
7819 spacer
Can anyone recommend some green investment funds?

I've done a little research and found these:


Not used them yet but will do some more scrutiny and report back.
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>> No. 7823 Anonymous
29th December 2019
Sunday 7:16 pm
7823 spacer
I have had about £10k in Abundance for a couple of years.

They have been very professional, but the projects are not without risk: read the brochures before sticking money in.

There is also a little annoying how the returns are made available in dribs and drabs that require manual re-investment or withdrawal (and the withdrawal paperwork is a bother when using an ISA).
>> No. 7824 Anonymous
29th December 2019
Sunday 8:11 pm
7824 spacer
Wow thanks!

Thanks for the tip. What sort of return have you received?
>> No. 7825 Anonymous
29th December 2019
Sunday 11:37 pm
7825 spacer
Good lad.
>> No. 7826 Anonymous
1st January 2020
Wednesday 11:27 am
7826 spacer

The returns have been as advertised, so far. Some of the investments are very long-term, though (ignoring the secondary market - no idea how usable that is), so ask me again in 20 years.
>> No. 7827 Anonymous
1st January 2020
Wednesday 12:34 pm
7827 spacer
RemindMe! 20 years

>> No. 7814 Anonymous
24th December 2019
Tuesday 11:30 am
7814 spacer
Do you lads include your pension contributions when you calculate your savings?

I'm including them now, as at the moment I don't actually fucking have savings it simplifies my spreadsheet.
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>> No. 7815 Anonymous
24th December 2019
Tuesday 12:17 pm
7815 spacer
When calculating my monthly budget, definitely.

>> No. 7816 Anonymous
24th December 2019
Tuesday 12:54 pm
7816 spacer
No, you're supposed to be saving money on-top of your pension because ours won't ever be enough and it's not money you can redirect to other things. I don't see why it would simplify the process unless it's not coming direct out of your payslip.

Good to see the measly 3k I've managed to squirrel away this year still makes me the 1%

I second YNAB but would recommend trying to find an old version back when it was just a one-time fee. Paying 15.99 a month to use budget software seems a bit ironic.
>> No. 7817 Anonymous
24th December 2019
Tuesday 1:45 pm
7817 spacer
Yeah - good advice. I have a savings category in YNAB, and in there are my extra pension payments, ISA, kids ISAs, holiday/emergency fund etc.

I pay about $80/year for the subscription for YNAB - it's a little pricier than it used to be, but its just terrific and has really helped me over the past three years.
>> No. 7818 Anonymous
24th December 2019
Tuesday 2:17 pm
7818 spacer
Thanks for the recommendation lads but I've used Google sheets for the past five years, and it's linked into a lot of other aspects of my future plans.

I've made a note to separate out pensions, though. My next goal, of course, will be to actually create some savings, which will certainly happen in 2020.

>> No. 3840 Anonymous
19th September 2013
Thursday 10:03 pm
3840 Pensions
The OFT have come out and said that many old (i.e. set up before 2001) pension schemes have high charges and offer savers poor value for money. They've also suggested a cap for auto-enrolment schemes, but it's going to be an almost meaningless gesture as you'd be very hard pressed to find a provider offering auto-enrolment terms with annual management charges greater than 1% anyway.


The pension scheme I'm in at work (contribution: 5% employer, 5% employee gross) has management charges of 0.6%, which I'm alright with as it's less than I'd get if I was investing in collectives through an ISA.

However, I've put the charges and contribution details into Invidion's pension calculator for an idea of what I'd get when I'm 65, 40 years from now, and if my salary increases in line with National Average Earnings and I took the 25% tax-free lump sum I'd be looking at a pension in today's terms of 27.5% of my current salary. If I wanted a pension that would be about two-thirds of what I'm earning now then I'll need to contribute, assuming the employer contribution stays at 5%, 15% gross (12% net) of my salary every year for the next four decades. This does depend on what annuity rates will be like then and I'd also be getting the State Pension, as long as they haven't upped the age you receive it to 80 by then.

If it wasn't for the tax relief and my employer matching my contributions then I doubt I'd bother and I'd look into other ways to support myself while I'm in retirement. What about you lads? What are your thoughts on pensions? In my opinion to have any form of decent retirement income you're at the mercy of your employer offering a good pension scheme.
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>> No. 7809 Anonymous
17th October 2019
Thursday 8:28 pm
7809 spacer
Is THAT what you're doing with your VR wankmachine? That's sick that is.
>> No. 7810 Anonymous
17th October 2019
Thursday 8:47 pm
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Well I don't know about you lot but I'm winning the Euromillions tomorrow anyway, so it won't matter.
>> No. 7811 Anonymous
17th October 2019
Thursday 9:59 pm
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I would really like some money.
>> No. 7812 Anonymous
17th October 2019
Thursday 11:25 pm
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If I win, I'll split it with both you lads.
>> No. 7813 Anonymous
18th October 2019
Friday 12:08 am
7813 spacer
I knew my quality posts would pay off in the end.

>> No. 7541 Anonymous
4th June 2019
Tuesday 7:03 am
7541 spacer
One of the UK's most high profile stock-pickers has suspended trading in his largest fund as rising numbers of investors ask for their money back. Neil Woodford said after "an increased level of redemptions", investors would not be allowed to "redeem, purchase or transfer shares" in the fund.

Investors have withdrawn about £560m from the fund over the past four weeks. However, it was a request from Kent County Council to withdraw £250m that led to the suspension.

At its peak, the Woodford Equity Income fund managed £10.2bn worth of assets, such as local authority pension funds. However, it now manages £3.7bn, according to the financial services and research firm Morningstar. Mr Woodford's firm, Woodford Investment Management, is also the biggest investor in Kier Group, the construction and services group which on Monday warned on profits, sending its shares crashing 41%.


"But he hasn't got anything on!" the whole town cried out at last. The Emperor shivered, for he suspected they were right. But he thought, "This procession has got to go on." So he walked more proudly than ever, as his noblemen held high the train that wasn't there at all.
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>> No. 7713 Anonymous
23rd August 2019
Friday 6:05 pm
7713 spacer

>if Grand Designs followed professional housebuilders working on commercial developments

Bland Designs.
>> No. 7717 Anonymous
25th August 2019
Sunday 12:29 pm
7717 spacer

Kevin McCloud at least should have recruited capable financial advisors to help with his scheme. You don't have to have a master's degree in business to be able to be the figurehead of a successful business venture. But if you don't have any training and experience in that field, it's of huge importance to surround yourself with the right people who do, and who can help you turn it into a success.
>> No. 7718 Anonymous
25th August 2019
Sunday 2:47 pm
7718 spacer
Nah, they would definitely have told him not to license his music for free and we'd never have known his name.
>> No. 7797 Anonymous
15th October 2019
Tuesday 8:32 am
7797 spacer
Neil Woodford’s stricken equity income fund to be shut down

Neil Woodford has been sacked from his flagship equity income fund which will now be liquidated, a further chapter in the downfall of the UK’s most high profile active fund manager.

Link Fund Solutions, the income fund’s authorised corporate director, said on Tuesday the fund would be wound up by its administrators, which follows its suspension in June. BlackRock and PJT, the investment bank, will be allocated two parcels of the assets to be sold.

Link said it had been unable to reposition the portfolio into sufficiently liquid assets, and that reopening it would risk a fresh suspension.


>> No. 7798 Anonymous
15th October 2019
Tuesday 9:41 pm
7798 spacer
He's thrown his toys out of the pram about being dismissed from his flagship fund by leaving the other two funds he ran.


>> No. 7791 Anonymous
9th October 2019
Wednesday 11:56 am
7791 spacer
Taxes. I've started a new job this year. For my first payslip in this new job, my tax code was 1250L. For the following 4 payslips, it was 1228L; for the final 2, it's been 779L.

As I understand, I should have an annual tax free allowance of £12,500. I think that means my code should stay constant. Could somebody help me understand why it's changed/been reduced?
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>> No. 7792 Anonymous
9th October 2019
Wednesday 1:10 pm
7792 spacer
Have you had a company car or any other taxable benefits, in this job or your previous job? Or are you/have you been on the higher tax band at any point?
>> No. 7793 Anonymous
9th October 2019
Wednesday 2:09 pm
7793 spacer
No to both.
>> No. 7794 Anonymous
9th October 2019
Wednesday 3:36 pm
7794 spacer
Ask your employer if they know why your tax code has changed.

And try this service from HMRC, not sure how much it will tell you.

The usual reason that your tax code would be reduced is if you've underpaid tax at some point in the past and HMRC is clawing it back, or you've got another source of income somewhere which isn't being taxed at the source. No idea why it would keep changing like you say though, you'd have to ask the people who control that.
>> No. 7795 Anonymous
9th October 2019
Wednesday 8:09 pm
7795 spacer
Well did you start before the end of the 2018-2019 tax year? Were you working before this job in that year?

>> No. 7768 Anonymous
4th October 2019
Friday 12:37 am
7768 spacer
Lads, I just saved my light grey rental carpet from a permanent red wine stain with this product. I’d say it's definitely worth a go if you need to get a stain out, and worth having around if you want to prevent the most permanent stains.

Dr. Beckman's carpet stain remover.

It did fresh wax earlier this week which is nothing special, but the red wine is definitely gone which is revolutionary to me. Less than £4 in most supermarkets.
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>> No. 7786 Anonymous
5th October 2019
Saturday 3:15 pm
7786 spacer
That's not the same poster either. It's just that when you use logic, other people also using logic can come to the same conclusions.
>> No. 7787 Anonymous
5th October 2019
Saturday 3:18 pm
7787 spacer
U wot m8? I was using you in the generic you sense.
>> No. 7788 Anonymous
5th October 2019
Saturday 3:42 pm
7788 spacer

I used to do that. Nobody wants to get it. Use one instead, you'll look like a mongoloid but nobody will be able to derail your conversation with their ego.
>> No. 7789 Anonymous
5th October 2019
Saturday 3:58 pm
7789 spacer
Lads don't trust the OP. I also bought this product after reading many positive online reviews. When I spilled red wine on my carpet I broke this sucker out, but found that it actually made the stain dramatically worse. It now looks like I killed someone in my living room, chopped up the corpse and buried it in between my sofa cushions. Also it reeks to high heaven, I had a dinner party that evening and everyone thought I had been cooking raw shit.
>> No. 7790 Anonymous
5th October 2019
Saturday 4:38 pm
7790 spacer

Did you cut the interior seal to allow the contents to reach the brush head and then allow the foam to do the work?

giphy (2).gif
>> No. 7729 Anonymous
19th September 2019
Thursday 12:41 pm
7729 spacer
I recently applied for a freelance job, and was asked whether I'd like to contract myself as a limited company or via an umbrella company.

I understand the differences in a very basic sense, and as this is a six month contract, I'm leaning towards umbrella for simplicity's sake. At the same time, I'm not sure I'm fully comfortable with someone taking my cash for doing a bit of paperwork.

On the other hand, I don't know everything involved in setting up a limited company, what additional costs and benefits there are to doing so. It might also be a nice opportunity to learn about the process.

Can anyone break it down in straightforward, non-jargon terms?
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>> No. 7735 Anonymous
19th September 2019
Thursday 10:18 pm
7735 spacer
Umbrella company, until you start getting long term contracts and get the hang of the paperwork.
>> No. 7736 Anonymous
19th September 2019
Thursday 11:31 pm
7736 spacer
Seconding this bit about HMRC, they are not known for their sense of humour or their laid back approach to life. For the first year you might want to get your accounts dealt with by a professional who can set you up with proper spreadsheets etc. and advise you on potential hazards and gotchas.
>> No. 7737 Anonymous
20th September 2019
Friday 8:46 am
7737 spacer

Thanks, I read about this. I'm still not sure how the HMRC distinguish between being contracted for a full-time service and being employed, exactly. What puts you in one category or the other?
>> No. 7738 Anonymous
20th September 2019
Friday 10:08 am
7738 spacer

There's an assessment tool at the link below; the questions asked should give you some idea of what criteria HMRC will apply. The fundamental question is whether you're providing a service for a client or supplying labour. Are you expected to keep particular hours? Could you send someone else equally qualified in your place? If you bugger something up, would you be expected to fix it at your own cost?

>> No. 7739 Anonymous
20th September 2019
Friday 11:08 am
7739 spacer

Took the questionnaire and it seems IR35 doesn't apply to me, but there's always the chance HMRC would disagree with my answers.

Appreciate the advice on this one, both, I think I'll see how these six months go with an umbrella company. If I like the work and I get an extension or another contract, I'll register myself as a limited company.

Room in Brooklyn.jpg
>> No. 7726 Anonymous
14th September 2019
Saturday 8:14 pm
7726 spacer
I received an email from my letting agency on Friday asking if I would like to renew my rental agreement for another year. I'm happy to do this and having looked around this place is still the best deal for me. My flat is a real gem and I was lucky to stumble across it.

Now, correct me if I'm overthinking this, but there's something on my mind following this sentence:
>If you would like to renew, please confirm to us in writing and we will discuss with your Landlord the terms under which they would also be happy to have you extend.

I'd like to continue paying what I am now because I'm a civil servant and our wages don't exactly follow inflation. The problem is that the flat on the ground-floor is currently advertised at a roughly 7% higher rent than what I'm paying and therefore getting close to my unaffordable mark.

How much groveling should I do in my response to try and get the landlord to agree to another year on the same rent? I've never lived in a place for longer than a year before so forgive the stupid question. I'm a good boy who always pays his rent on time and is never a bother to anyone so it could be justified on top of cutting out the faff.
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>> No. 7727 Anonymous
14th September 2019
Saturday 8:55 pm
7727 spacer
Unless you can point out something the landlord does not already know, then I don't see what difference any grovelling will make.
>> No. 7728 Anonymous
14th September 2019
Saturday 9:30 pm
7728 spacer
It's a dance. You say you want to renew, they come back with a mostly reasonable figure and you go from there - it isn't usually a hassle.

>> No. 7720 Anonymous
2nd September 2019
Monday 7:36 pm
7720 spacer
Assuming similar services and interest is available, is any one bank "safer" than another?

I was discouraged from switching to a co-op current account long ago.
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>> No. 7721 Anonymous
2nd September 2019
Monday 8:44 pm
7721 spacer
As long as your savings are covered by and below the FSCS limit you're pretty much fine whoever you go with.
>> No. 7722 Anonymous
2nd September 2019
Monday 9:04 pm
7722 spacer
How do people protect monies over the FSCS limit?
>> No. 7723 Anonymous
2nd September 2019
Monday 9:15 pm
7723 spacer
Spread it between multiple FSCS-registered institutions.
>> No. 7724 Anonymous
2nd September 2019
Monday 9:27 pm
7724 spacer
>> No. 7725 Anonymous
2nd September 2019
Monday 9:32 pm
7725 spacer
I'll hold onto it for you.

>> No. 7714 Anonymous
24th August 2019
Saturday 3:37 pm
7714 spacer
I've found this cool website that allows you to explore the economies of various countries, what's traded and with whom, etc.
- https://oec.world/en/profile/country/gbr/

'Product Space' is particularly interesting in that it shows how various industries are linked with other, sometimes suprising, industries. Almost like a roadmap of what's involved with what.
- https://oec.world/en/visualize/network/hs92/export/gbr/all/show/2017/

There's also this leaked document "Operation Yellowhammer", which details the apparent chaos to be faced during the early stages of WWIII. Jesus christ, reading over this makes it apparent just how vulnerable we'll be. I'm beginning to understand why it's taken so long to prepair.
- https://pastebin.com/gwevsbtx

All of this makes me wonder why a country would rely heavily on trade rather than produce a good deal of necessities itself. Maybe something's gone over my head but it seems like we've balanced that tradeoff between savings and security poorly.
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>> No. 7715 Anonymous
24th August 2019
Saturday 6:32 pm
7715 spacer
>All of this makes me wonder why a country would rely heavily on trade rather than produce a good deal of necessities itself. Maybe something's gone over my head but it seems like we've balanced that tradeoff between savings and security poorly.

Comparative advantage. If you as an individual had to be completely self-sufficient, you might just survive, but you'd eke out a very meagre existence. The same principle applies on a national level - it makes a great deal of sense for us to import food from places with lots of land and import manufactured goods from places with a lot of cheap labour, while exporting goods and services that benefit from our highly educated population and highly sophisticated economy.

This kind of trade has historically had a profound stabilising effect on international relations - you're far less likely to fuck with a country if it would disrupt a profitable trading relationship. You treat your customers with a level of courtesy that you wouldn't extend to strangers. Trade sanctions are a very severe but completely bloodless punishment for breaking international law.

Some issues are just inherently international. When Chernobyl blew up, Scottish farmers had to pour their milk down the drain. Back in the 70s, sulphur dioxide emissions from German and Eastern European coal smoke were destroying Scandinavian forests. If you were so inclined, you could really make life difficult for your international neighbours (or vice-versa) without ever declaring war. Trade policy is one of the levers the international community uses to resolve these issues.

Isolationism would definitely make us poorer and it'll probably make us less safe.
>> No. 7716 Anonymous
24th August 2019
Saturday 6:47 pm
7716 spacer
All of this.

Comparative advantage on a large scale is what drives international trade, but on a small scale it's why you call in trades rather than fixing every problem you have yourself.

>> No. 7510 Anonymous
28th April 2019
Sunday 6:17 pm
7510 Anti money laundering
I do not endorse money laundering etc etc,
Brexit will perhaps mean regulators and crime fighters have to strain their resources, and tere is a belief that money laundering will increase.
So for my academic research what
Transactions are by most companies trackable through some form of Footpath.
The techniques are ever decreasing and is becoming a thing of the past.
Can i get help with these two assumptions abd insight on anti money laundering,
Please do not endorse or encourage this naughty behac.

(A good day to you Sir!)
16 posts omitted. Expand all images.
>> No. 7533 Anonymous
29th April 2019
Monday 9:43 am
7533 spacer

Bitcoin maybe, but something like Monero is still very useful for buying drugs on the internet.
>> No. 7534 Anonymous
29th April 2019
Monday 12:27 pm
7534 spacer
Then you're back to just getting any money out the other end at all.
>> No. 7707 Anonymous
23rd August 2019
Friday 9:16 am
7707 spacer
Can we wordfilter brexit to WORLD WAR THREE!!!!!
>> No. 7708 Anonymous
23rd August 2019
Friday 9:42 am
7708 spacer
That might get a bit confused after the actually WWIII begins. And, even if it happens decades from now, many of the threads currently on the front page of /*/ will still be here.
>> No. 7719 Anonymous
30th August 2019
Friday 7:30 am
7719 spacer
Whichever mod actually did this I owe you a pint mate.

>> No. 7663 Anonymous
6th August 2019
Tuesday 7:42 pm
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What's the preferred way of getting cash from a credit card without paying extortionate fees? Tried using "request money" with PayPal and the transaction was declined. Tried Square, but payouts were suspended a couple of hours after the transaction so had to "refund" myself. Prepaid cards and postal orders are now treated as cash transactions. I don't know anyone with a terminal and the cash on hand to run through. I have a card with substantial headroom in it but no money transfer facility. (When I asked, they just said "we don't have any promotional offers for you right now", and when I said I'd do it at the standard rate instead they just repeated the same line.)

There's no dirty money involved here, but invoking the financial difficulties procedure with any of my creditors substantially harms my ability to get a job in my field locally so I'd rather not do it, and the Bank of Mum and Dad has already been tapped this year. Overdraft limit will be hit at the end of this month and can't be raised.
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>> No. 7669 Anonymous
6th August 2019
Tuesday 8:23 pm
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How does the former help him get cash out?
>> No. 7670 Anonymous
6th August 2019
Tuesday 8:34 pm
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No, and no. If either of those were an option I'd have taken it rather than trying to complicate things. Applied for one while I was working so I'd be able to shift some things around in case the job didn't go well (I was let go around a week after applying, as it turned out) and that was declined. I don't fancy outright lying on a fresh application, and eligibility checkers aren't showing anything promising.
>> No. 7671 Anonymous
6th August 2019
Tuesday 8:42 pm
7671 spacer

Not him, but OP could do a balance transfer after the statement is issued, which would at least limit the hit to the cash fee and however many days' interest accrue in between, since cash transactions usually have interest applied from the transaction date rather than the statement date for purchases.
>> No. 7672 Anonymous
6th August 2019
Tuesday 8:45 pm
7672 spacer
Does your card issuer correctly categorise transactions routed through Google/Apple Pay?
>> No. 7674 Anonymous
6th August 2019
Tuesday 9:08 pm
7674 spacer
As far as I can tell, they don't support Google Pay.

>> No. 7610 Anonymous
10th July 2019
Wednesday 11:29 am
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My last paternal grandparent died relatively recently. My parents have been advised to set up a Deed of Variation, which is apparently re-writing my grandmother's Will so that their share of the inheritance doesn't go directly to them. The plan is for the funds to go into a trust and they will loan the money from the trust via a Promissory Note, with this liability repaid to the trust when they both die.

At least this is how I understand it. This is meant to allow them to have their cake and eat it; they get their hands on the inheritance but the debt to the trust will in turn reduce the value of their own estate when inheritance tax is calculated. They're well within the inheritance tax thresholds so it's not going to make any real difference unless the legislation is changed considerably, but it was also pitched to them that if an inheritance is placed in trust rather than eventually passed directly to me that it would be shielded if I ever ended up bankrupt or divorced.

This is one of those things that sounds too good to be true. If it isn't then why doesn't everyone do this?
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>> No. 7637 Anonymous
11th July 2019
Thursday 10:49 am
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You haven't read the case, have you?
>> No. 7638 Anonymous
11th July 2019
Thursday 11:34 am
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Yes. Rangers employees had their remuneration paid into a trust, which they'd loan back to themselves in the place of income subject to PAYE. The judgement is of the view that the loan payments were really emoluments; although inheritance tax was mentioned I do not see a specific judgement in relation to this.

Furthermore, as pointed out several times, paying money yourself (or having your earnings diverted) into a trust and borrowing that money back to get around income tax is not the same as borrowing money from a trust that you are not the settlor of. Borrowing your own money back and borrowing money that came from someone else are two very different things.
>> No. 7639 Anonymous
11th July 2019
Thursday 4:50 pm
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>Borrowing your own money back and borrowing money that came from someone else are two very different things.
In theory perhaps. Not so much in practice, which is what the judgment is getting at. The paper structure goes out the window, and what matters is the net effect in the real world. In one case, someone has money they were intended to receive put in a trust and "borrows" it with no expectation of paying it back, and in the other, someone has money they were intended to receive put in a trust and "borrows" it with no expectation of paying it back.
>> No. 7640 Anonymous
11th July 2019
Thursday 5:08 pm
7640 spacer
>someone has money they were intended to receive put in a trust and "borrows" it with no expectation of paying it back.

Except for the will saying that the money was to be put into trust rather than going directly to them, that is.
>> No. 7641 Anonymous
11th July 2019
Thursday 5:16 pm
7641 spacer
Ah, yes, the will, which was changed after their death by the beneficiary in order to say the money was to be put into a trust. This is functionally no different from the creation of the EBT. It's just a subtly different set of legal fictions to cover up the same reality.

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