Dominic Hardy

Man, myth and counter of bricks

[Dominic Hardy @Dominic_201]

@FabrizioRomano

[Dominic Hardy @Dominic_201]

@LukeEdwardsTele That’s a fair analysis, you do wonder would Newcastle have been better off investing in a quality RW instead and then letting Anderson develop into the player he is now, hindsight is a wonderful thing. The key now is recruitment. £100m is only good business if invested properly.

[Dominic Hardy @Dominic_201]

@ToonTakeover_ Watching him play exquisite through balls that not one of Spurs centre forwards can get on the end of is going to be great tv

[Dominic Hardy @Dominic_201]

@SkySports_Keith Another player they have sold before a replacement is brought in. Great price but what do they think is going to be the response when they try to negotiate with other clubs? Baffling policy

[Dominic Hardy @Dominic_201]

@NUFC @brunoog97

[Ashy @AshyCompounds]

Half of X is losing its mind over the new ISA rule.

Let me explain what's actually happening, because the outrage is mostly people misunderstanding their own ISA.

From April 2027, a 22% charge applies to interest earned on CASH sitting inside a Stocks & Shares ISA.

Not on your investments. Not on dividends. Not on capital gains. Just on cash you're leaving idle in an account designed for investing.

Here's the bit nobody's saying out loud:

if you're using a S&S ISA to just hold cash, you're using the wrong wrapper.

Want to save? Use a Cash ISA. Tax-free interest, zero risk, simple.

Want to invest? Use a Stocks & Shares ISA. That's literally what it's built for.

The reason this rule exists is because they assume people will quietly parking cash inside S&S ISAs to dodge the lower cash ISA allowance, rather than actually investing it. The government is closing that loophole before it even exists.

Now let's talk about why investing in the first place matters so much more than people parking cash realise.

£10,000 in a Cash ISA at 4% for 20 years: £21,911.

£10,000 in a S&S ISA invested in a global index fund averaging 8%: £46,610.

Same tax-free. More than double the outcome.

That gap is the entire reason this policy exists, to nudge people out of cash and into growth.

And here's what actually annoys me about the outrage.

You CAN still hold cash-like exposure in a S&S ISA, completely unaffected by this charge.
Money Market Funds are explicitly exempt from the 22% charge entirely, as long as your account isn't 100% cash-like assets.

So if you want stability inside your S&S ISA, you've got real options:

Money Market Funds: short-term, low-risk, currently yielding close to the base rate, fully exempt from the new charge.

Short-dated gilts: UK government debt, extremely low risk, still counts as a genuine investment.

Gilt or bond ETFs: diversified, low volatility, still doing what an ISA is meant to do.

None of these get touched by the new rule.

The only thing being taxed is literal idle cash sitting doing nothing.

This is a nudge to actually invest - and fix our high-saving, low investing culture.

Stop overreacting to a headline you haven't read the detail on.
Are you holding cash in your S&S ISA right now? What for?
What have I got wrong ?👇

#ISA #InvestingUK #PersonalFinance

[Dominic Hardy @Dominic_201]

@MirrorFootball @andydunnmirror Hardly. The big 6 are allowed to spend egregiously in comparison so clubs are rightly pumping their valuations. If anything there should be a “big 6 tax” applied to every transfer that correlates with said clubs permitted spending under SCR. Clubs are allowed to try and compete.

[Dominic Hardy @Dominic_201]

@GianfrancoShoIa I’d work Spurs up to at least £95 and then A) Offer to city B} insist the deal waits until we get a player in.
The fans will rightly melt down if he walks first and go full Chernobyl if it’s to Spurs. Plus what do they think will happen when teams know we have just got £170m?

[Dominic Hardy @Dominic_201]

@RichySouthern The recruitment is the killer, especially when they already knew it was coming. I’m becoming more convinced daily that EH’s apparent backing of Andy Howe into a prominent recruitment position will get him sacked before Xmas. I have seen nothing to show me he’s up to the job.

[Dominic Hardy @Dominic_201]

@SkySports_Keith That’s happened multiple times in the last few years. How much of this can be attributed to losing Stavely and the ability to sell the “project”? The whole club looks like it’s run out of steam and is stuck in neutral unable to move forward on anything from players to stadium.

[Dominic Hardy @Dominic_201]

@edels0n I agree with you but I’m hearing that space x is 4x oversubscribed 😳 Does this mean that magic money tree is still in full flow for AI and does it mean that other stocks are likely to enjoy a bounce when that liquidity is pushed back into market?

[Guy Walters 🇺🇦 🇻🇪 🇮🇷🇧🇾 @guywalters]

Quote of the day by Lee of Makerfield.

[ALASTAIR CAMPBELL @campbellclaret]

The real two-tier scandal in the UK is the relentless double standard approach of a media which lets one party leader get away with financial dodgery that would drive them into a frenzy if it involved someone their billionaire owners didn’t want in power because they believed in things like fairness and equality

[Dominic Hardy @Dominic_201]

We are at this point under utilising at least 50% of said breast, therefore we need to adjust to a 90 degree position and utilise the foldage #famouscurtisquotes

[Dominic Hardy @Dominic_201]

Well, if jimmy (as has been suggested) got his bucket and spade out, considering all other things then I reckon Beyoncé’s Vag leaves a lot to be desired #famouscurtisquotes

[Dominic Hardy @Dominic_201]

@alexinsdorf99 Yes, that’s WR 2b money today and worst case is if they change system or find someone else then you should be able to trade him for a 6/7th to a team that has that need with his production to date.

[Dominic Hardy @Dominic_201]

@lindseyyok

[Dominic Hardy @Dominic_201]

@StevenIHaglund

[Dominic Hardy @Dominic_201]

@BB_Chargers Learning from free agency, in order to manage my own expectations I have convinced myself that if he should fall the Chargers will trade back for an extra 3rd or 4th and that the fan base will have a melt down in the interim 😬