Stu

I have looked into having a SIPP. I already have a company pension, so I'm already benefiting  from "free money". And although I can have both, a company pension and a SIPP. I decided to currently go with a S&S ISA. I look at it this way. With a S&S ISA, you don't pay any tax on any profits, but with a SIPP although you get an extra 20% on the money you put in, you pay 20% 75% of your profits.
I think of it as similar to going into a bookies a few years back when you had to choose do I pay tax on the stake or on the winnings.
With a SIPP, if I put £10k into it, I immediately get an extra £1250, if I increase the pot 10 fold, that will be  £112,500. If I withdraw it I get 25% tax free  which is £28,125, leaving  £84,375 which is taxed, I cant take it out in one hit as I'll end up paying a higher tax rate. So I'd have to stagger it, but even at 20% tax that would mean a tax bill of  £16,875. So from my £112,500 pot, I will receive back £95,625.
With a S&S ISA, if I put in £10k, and if I increase the pot 10 fold, I get £100,000. I can take this out at any time, without any tax bill. 
The government, is either taxing your savings at source, (the S&S ISA, by not giving you tax relief), or taxing you on your "winnings" (the SIPP) 
 

Hi HT
Some advice if it’s not been considered already? 
Put your savings into a SIPP instead of a dealing account or ISA. Benefits are, you get 25% automatically added to your account as tax relief. 40% if a higher earner. I look on this as my margin for error. You can also just sit this money as cash with no cost until the right opportunity comes along. Or just hold acertain % as cash as part of your asset allocation. 
Ypu can access SIPP from age 55 and take 25% tax free. You can drawdown or take an annuity if worthwhile or a combination of all.
Ive not been saving in SIPP for long but it soon adds up. Also, you take the longer term view and make more considered investments. I like the fact it’s locked in until a set year although I hope to “crystallise “ it a few years later than the earliest opportunity. 
Put a reasonable amount into bonds a and tracker funds with very low dealing and ongoing costs. Moneyvator website is excellent in this regard https://monevator.com/category/investing/passive-investing-investing/

Hi HT
Some advice if it’s not been considered already? 
Put your savings into a SIPP instead of a dealing account or ISA. Benefits are, you get 25% automatically added to your account as tax relief. 40% if a higher earner. I look on this as my margin for error. You can also just sit this money as cash with no cost until the right opportunity comes along. Or just hold acertain % as cash as part of your asset allocation. 
Ypu can access SIPP from age 55 and take 25% tax free. You can drawdown or take an annuity if worthwhile or a combination of all.
Ive not been saving in SIPP for long but it soon adds up. Also, you take the longer term view and make more considered investments. I like the fact it’s locked in until a set year although I hope to “crystallise “ it a few years later than the earliest opportunity. 
Put a reasonable amount into bonds a and tracker funds with very low dealing and ongoing costs. Moneyvator website is excellent in this regard https://monevator.com/category/investing/passive-investing-investing/

Freetrade is also offering a SIPP soon @HighlandTiger✔️

Not jealous at all, no. Well done bud, a stunning collection.

https://247wallst.com/energy-economy/2020/09/15/iea-again-cuts-2020-crude-oil-demand-estimate
 
oil use down only 10% even when a big chunk of world was in lockdown. I don’t see that going down much more if we return to this. Still need oil for public transport, goods , food production etc.  Market sentiment is another beast altogether,

OPEC are due to make a decision on production levels next month. If they fail to set a limit, it could see prices a lot lower and provide a further buying opportunity. I’m keeping my powder dry until this announcement. 

good, because next months buy will be my old employers BP. A drop in price would be nice.  

Would the 5million share buy back have any bearing? (Albeit , announces 25 Sept, genuine question)

Does anyone know why Anglo Pacific Group (APF.L) is so cheap? I bought them two years ago at about 140, and then sold at about 190. They are now back down to 105. This is a stable, reliable company on a P/E of 7, paying a dividend of over 6%. It is a royalty company with assets in base metals and potash. I understand that it owns thermal coal royalties and these are of diminishing value, but even so, this seems ridiculously cheap for a royalty company. I'm looking to buy back in.

Because that series started when I started stacking and my interest in silver I went with it, obviously in hindsight I should have gone in heavier with the Queens Beasts instead but I have 2 of every proof release up to the pig and a tube of every bullion release as well as forking out for a display box which is now useless, this is the equivalent of when a TV series gets canned without ever wrapping up any of the plot lines, true it was not the best but to say I am annoyed would be an understatement.  I see they are still selling the 1oz proof and the overpriced cupro nickel release so that makes it look like it's purely the profit the Royal Mint are interested in.  They just lost a customer, Once my Queens Beast series is complete I am done with them.

I've never read the small print of any of my mortgages however I would be highly surprised if there was no clause stating in the case of hyper inflation , your repayment will be adjusted accordingly? Banks and insurance companies never seem to miss a trick
I hope you are right though, cause I still have 6 years to run on a 10 year fixed rate deal. Quite high by today's rates but could easily change. 
Funnily enough, I noticed with even our last holiday to Cyprus, they had a clause stating that if costs rise by more than 10% in the intervening period, they reserve the right to charge the difference.

Many old BTL tracker mortgages have no “floor” so in case of negative rates you could end up paying £0 per month whilst the term of the mortgage is still going. I didn’t change mine because of this 😁 
Modern trackers have floors just in case we go negative. Anything is possible now.
Details will be in the mortgage offer. But if it is fixed and the offer states £650 per month, that’s what you pay, hyperinflation or not. You could also overpay it, and take the hit on any early repayment charge if necessary. Maybe one day we can pay of our mortgage with a few ozs. 😉 

I've never read the small print of any of my mortgages however I would be highly surprised if there was no clause stating in the case of hyper inflation , your repayment will be adjusted accordingly? Banks and insurance companies never seem to miss a trick
I hope you are right though, cause I still have 6 years to run on a 10 year fixed rate deal. Quite high by today's rates but could easily change. 
Funnily enough, I noticed with even our last holiday to Cyprus, they had a clause stating that if costs rise by more than 10% in the intervening period, they reserve the right to charge the difference.

20 quid silver 👌

20 quid silver 👌

20 quid silver 👌

20 quid silver 👌

My fascination was realised only recently, i had a company for 9 years that was giving me a very reasonable living and i was 4 months away from getting a mortgage when unfortunately I had to contact the insolvency services to close my company, I was renting at the time and had to leave due to not being able to afford staying there. Me, my wife and my son was made homeless and lived in a hotel for a week until we was moved into a hostel, most horrible place I have ever been and not very nice people living in there either. Never will I let my family be i a place like that again.
We finally got a permanent place with the council after being moved about 3 times, unfortunately my credit was now utterly devastated I cannot get credit for anything I cannot get mortgage but i am working hard to repair. 
The worst thing is knowing you can afford a mortgage but no one will give you one.
Not being able to get A mortgage i wanted to put my efforts into a new source of investment. I was watching gold rush, watched every season on sky, now I am hooked and am hoping that along with my general savings that my venture into gold will help me along in the future to repairing the horrible couple of years i have had.
I'm hoping gold and silver will help me along the way. 

2030👌

2030👌

2030👌

2030👌

This has already been said but I will say it again - If the conditions arrive in this reality that government are coming to your address for your £2500 of gold that will be the least of your problems.... because you will have also lost your boat in an unfortunate accident. Such a sad story. 
Honestly there isn't an issue here. Buy the gold with ID, pay with debit card whatever, get it delivered - once your currency is parted for the gold, the gold is 'gone' from the system. No one knows what you did with it, there are no digital records of where you hid/spent/melted your gold. You could have used it to pay for goods and services, settled gambling debts, buried it and forgotten where you put it, etc. This is a non issue. A total non issue. Just buy your gold like everyone else. And if/when the time comes that they confiscate it.... annnnd its gone!