Fidelity US will generally not kick you out, though you'll be prevented from buying Mutual Funds (and potentially ETFs): https://www.fidelity.com/accounts/services/FAQsforInvestors_Living_Outside_the_US.pdf
arvindsv
u/arvindsv
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Are you sure about CGT applying in this case? I thought that for non-reporting funds (which Indian mutual funds will likely be?) the income is treated as "offshore income gain" and treated as income instead of capital gain as mentioned in the question "What happens when I dispose of my shares/units in a non-reporting offshore fund?" in https://www.gov.uk/government/publications/offshore-funds-self-assessment-helpsheet-hs265/hs265-offshore-funds
I don't think the maths is right.
The money in your LISA is contributed post-tax. By removing it and putting it into a pension, you're making a part of that contribution liable for tax later (75% etc. depending on pension rules). Not to mention the 6.25% penalty you pay on top of the 25% top-up you lose.
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1000 in LISA = 1666 gross - 666 tax (say at 40%, and ignoring NI)
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LISA top-up makes it 1250
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You withdraw it to get: 75% of 1250 = 937
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You put that into a pension: About 700 of that (and its growth) becomes liable for tax based on today's rules.
So, it seems to me like you've paid 666 of tax and then will potentially pay some more.
Instead, as suggested by another person here, if you invest in the S&S LISA whatever you planned to invest in the pension, then the contribution and the growth aren't taxed at all. You just need to plan the withdrawal after turning 60, that's all.
Yes, it's possible.
#+name: tbltest | col_a | col_b | |-------+-------| | 1 | 2 | | 1 | 4 | | 1 | 6 | | 2 | 7 | | 2 | 8 | | 2 | 9 | #+begin_src sqlite :db /tmp/test-sqlite.db :colnames no :var sometable=tbltest :header on DROP TABLE IF EXISTS mytable; .import $sometable mytable SELECT col_a, avg(col_b) FROM mytable GROUP BY col_a; #+end_src #+RESULTS: | col_a | avg(col_b) | | 1 | 4.0 | | 2 | 8.0 |
This seems to work too, with the added benefit that it doesn't create an unnecessary SQLite file:
#+begin_src sqlite :db ":memory:" :colnames no :var sometable=tbltest :header on .import $sometable mytable SELECT col_a, avg(col_b) FROM mytable GROUP BY col_a; #+end_src
Even if doom doctor doesn't show any issues, it might be worth checking the LSP server installation as mentioned: https://emacs-lsp.github.io/lsp-mode/page/lsp-solargraph/
Sometimes, you'll see a message in the *Messages* buffer like this:
LSP :: The following servers support current file but do not have automatic installation: ruby-ls sorbet-ls typeprof-ls steep-ls You may find the installation instructions at https://emacs-lsp.github.io/lsp-mode/page/languages. (If you have already installed the server check *lsp-log*).
If you do have an LSP server installed, I wonder if it is doing the right thing. For instance, if you have this in Ruby:
class User def abc end end
... then, completion with User. should not show you abc, right? Since abc is a method of an instance of the User class. Could that be what is happening?
If you try with this, does it complete properly?
class User def self.abc end end
Or, check what completion choices are available with User.new..
Fidelity generally allow you to keep the account and holdings: http://personal.fidelity.com/accounts/services/FAQsforInvestors_Living_Outside_the_US.pdf
You can call them to confirm. Don’t forget to provide them a W-8BEN if they allow you to keep it open.
You might want to think about whether you’re invested in non-reporting funds (not ideal for tax efficiency in the UK).
As far as I remember, notmuch-search works on threads. So, there is no message ID, but a thread ID instead. So, there is (notmuch-search-find-thread-id), using which you will need to do something like: notmuch search --output=files the-thread-id and figure out which file you want.
I agree with u/divinedominion, the tree mode would allow you to do this, since it works on messages. You would then just use: (notmuch-tree-get-prop :filename).
Unfortunately at the time I was not aware UK residents are not allowed to purchase equity in mutual funds or ETFs in the US directly
You said UK residents are "not allowed" to purchase ETFs. Is that true? Enforcement of this doesn't seem to be consistent. The closest I came to confirming this is in https://www.gov.uk/government/publications/draft-packaged-retail-and-insurance-based-investment-products-amendment-eu-exit-regulations-2019/packaged-retail-and-insurance-based-investment-products-amendment-eu-exit-regulations-2019-explanatory-information where it says: "... the UK PRIIPs Regulation will only apply to those firms (UK and third country) that manufacture, advise on or sell PRIIPs to investors in the UK."
Charles Schwab doesn't seem to allow ETFs to be purchased, but Fidelity US seems to, if you have an account with them already (from your time in the US).
The other part that is confusing is the talk of reporting and non-reporting funds etc. That seems to suggest that it is possible to invest in reporting funds (such as VT, VOO, VGT) and be considered CGT rather than income (which would be the case for non-reporting funds). If it's not allowed at all, then why this guidance. Maybe it applies only to accredited/sophisticated investors?
When you say it is "not allowed", I wonder if anyone has any experience in this causing issues. Or, is it that the non-UK brokerage firms will be on the hook if they allow this.
Most of the main Vanguard ones haven't ceased to be RF. For instance:
Vanguard Information Technology Index Fund - ETF Shares (Cusip: 92204A702) is VGT. You can see the Cusip mentioned on page 1 of this summary prospectus: https://advisors.vanguard.com/iippdf/pdfs/FS958R.pdf
Vanguard 500 Index Fund - ETF Shares (Cusip: 922908363) is VOO. You can see the Cusip mentioned on page 25 of the prospectus: https://personal.vanguard.com/pub/Pdf/p968.pdf
VT is Cusip 922042742 and is also a reporting fund. You were looking for a broad tracker.
Won't those do? I think what you're missing is that the Vanguard ones I mentioned don't have an ISIN number, but have a Cusip instead (the next column in the huge reporting funds spreadsheet).
Not sure about buying them from a UK broker, but you can buy them in the US. It would still be the same from a CGT perspective, wouldn't it? Not sure.
It's sometimes tough to find keys mapped in insert mode. I see that you found what it is bound to, but for others, I'd like to mention view-lossage (bound to SPC h l by default in doom-emacs). It shows you the functions executed for your most recent key presses.
Once the function (org-up-element) is found, I'd usually do a describe-function (bound to SPC h f) to describe that function. Within that, there is a link named "Find all references" which finds all references to that function, across all the config files. It takes a few seconds, but searches inside ~/.emacs.d as well.
In this particular case, it helped me find a usage in org/config.el: https://github.com/hlissner/doom-emacs/blob/3a7be7bb4f0d8dc162597f0bbfa377a9d5f3f967/modules/lang/org/config.el#L981
You should be able to rebind it similar to how it is bound there.
I am also curious about better (or more direct) ways to find these mappings. I suspect that a combination of insert mode / evil / the use of general.el makes it a little more challenging than usual. Most of the time, even a describe-mode does not show this information. Most likely because those modes are dynamic in nature.
Within notmuch-show, RET (or Return / Enter) is bound to notmuch-show-toggle-message. That's what's happening. If you press C-c RET, it will likely do what you want. C-c RET is bound to goto-address-at-point. So, if you rebind RET in notmuch-show-mode-map to goto-address-at-point, it should do what you want.
Sometimes the RET is useful in notmuch-show to show parts (such as text and HTML). So, you'll need to see if your keybinding is affecting that, if it's important to you.
To find these things out for yourself, get familiar with: C-h k (bound to helpful-key).
Almost. You put 2880 and get 720 added to it to make it 3600.
See the section “If you do not pay Income Tax” in https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief
Yes. That’s a quirk of how org-mode HTML export handles newlines and empty lines. You will need to use an empty line with two backslashes to force an empty paragraph (you can have multiple such lines).
Abc \\ \\ Def
https://orgmode.org/manual/Paragraphs.html
Not sure of an easy automatic way to do that, without writing a pre send hook which replaces empty lines with a forced HTML <br> tag.
I mean, for instance:
Abc #+HTML: <br> #+HTML: <br> Def
... will also give you what you want. So, you’d automatically replace multiple empty lines with that before sending. Similar to two backslashes.
Look into setting org-msg-options, and specifically adding the "\n" option. Mine looks like this:
(setq org-msg-options "html-postamble:nil toc:nil author:nil email:nil \\n:t -:t ^:{} H:5 num:0")You can find all the settings here: https://orgmode.org/manual/Export-Settings.html#Export-Settings
The solution for wrapping is a little more involved. You'll need to change org-msg-enforce-css.
It's not perfect but my setup looks like this (in case it helps you): https://gist.githubusercontent.com/arvindsv/cfb8dffc73c6dfb93ad57d308e375f43/raw/e2ed4d533e2bd5e067d3703d561f3d8799d9f9e7/org-msg.org
I use org-agenda-skip-function for this. https://orgmode.org/manual/Special-agenda-views.html
You can also pass in filters to commands like todo and tags-tree, if you're using custom agenda views: https://orgmode.org/manual/Setting-options.html
Edit: You mentioned default agenda views. org-agenda-skip-function-global might be more relevant.
