Patrick Buhagiar

He/him. Senior Software Engineer at Adfin, views are my own.

[Patrick Buhagiar @PatrickBuhagiar]

I solved today's @shuffle_times in 1:49 mins with a 99.47% score. #daily #news #shuffle

[Patrick Buhagiar @PatrickBuhagiar]

I solved today's @shuffle_times in 2:01 mins with a 99.52% score. #daily #news #shuffle

[Patrick Buhagiar @PatrickBuhagiar]

I solved today's @shuffle_times in 2:25 mins with a 99.32% score. #daily #news #shuffle

[Patrick Buhagiar @PatrickBuhagiar]

I solved today's @shuffle_times in 1:10 mins with a 85.42% score. #daily #news #shuffle

[Freetrade @freetrade]

Today we announced our results for the first half of 2024.

We’ve increased revenue by 34% and we were profitable across the period.

We’ve also been busy launching plenty of new features for our customers, including:

Our web platform
Share lending
Flexible stocks and shares ISA
And tax-wrapped UK Treasury bills

We’re not slowing down as we head towards the end of the year.

Capital at risk. ISA eligibility and tax rules apply.

[Freetrade @freetrade]

INVESTING. SIMPLIFIED.

Freetrade, your commission-free, self-directed investment platform.

https://t.co/6geYwtFss0

Capital at risk. Other charges may apply.

[Freetrade @freetrade]

What's better than grabbing an iced latte on a sunny morning? Finding out we've been recognised as a @WhichUK Which? Recommended SIPP Provider! 🏆

Big thanks to our incredible customers for your trust and support, and to the entire Freetrade team for continuously building the best DIY SIPP in town!

Invest in your future with Freetrade's award-winning, low-fee SIPP from £9.99/month. Explore more about our SIPP product here: https://t.co/9ibRChKmw2

P.S. It’s even cheaper than what I've spent on iced lattes this week.

Capital at risk. SIPP eligibility and tax rules apply. Pension withdrawal only from 55 (57 from 2028), except special cases. You may wish to take advice.

[Freetrade @freetrade]

UK Treasury bills direct to retail investors for the first time, now with Freetrade!

Get 28-day bills, with an annualised yield of 5.2%*.

Capital at risk. Always do your own research. This is not investment advice. *Yield correct as of 8/12/23 and may vary.

[Adam Dodds @doddsie]

You can now buy UK Treasury bills direct on Freetrade. 5.20% YTM in last week’s tender.

What are Treasury bills you ask?

Debt instruments issued by the UK’s Debt Management Office (DMO) to finance the Government’s operations. They are considered to be among the safest investments available, as they are issued and backed by the UK government. Since their creation in 1877 under the Treasury Bill Act, the UK government has never defaulted on these securities.

What do I mean by ‘direct’?

The DMO issues new Treasury bills through tenders. These are held every Friday (or the last business day of the week).

The tender is where a group of brokers and investment banks offer to the DMO to invest in Treasury bills at the yield they want to receive. The DMO accepts the bids with the lowest yields until all of the supply for that week is used up.

Freetrade participates in the weekly tender on behalf of our customers, putting in one bid for all customers that we are confident will be filled. Treasury bills are divisible by 1p and we allocate accordingly.

Capital at risk, not financial advice.

[Max Karpis @maxkarpis]

#Deloitte collates the growth rate of UK tech businesses based on their company accounts and awards those with the top growth in total over the last 4 financial years. @Freetrade took the #4 spot with a growth rate of 18,090%. https://t.co/ju9rOdl73J #TechnologyFast50 @doddsie

[Adam Dodds @doddsie]

More of us should participate and benefit from the wealth creation engine of the world - companies.

The flexibility to own any fraction of listed companies and funds is key to this - and is now under threat by the UK tax man.

Freetrade cut commission fees and made it more accessible to build a diversified portfolio in some of the biggest and best known companies in the world through the introduction of fractional shares in the UK.

The ability for investors to select the amount of money they want to put into each investment eliminates much of the complexity in creating a diversified portfolio.

Unfortunately, as we saw in press reports earlier this summer, HMRC has argued that the ISA rules do not permit investors to hold fractional shares in an ISA.

We disagree with their position and, as a business, we are speaking up because we feel that it’s right to stand behind the millions of retail investors across the UK who have benefited from fractional shares.

With the Autumn Statement coming up at the end of November, we have the perfect opportunity for the Government to clarify the rules to explicitly allow fractional shares in ISAs.

A clarification with retroactive effect would reassure millions of retail investors.

@griffitha @Jeremy_Hunt we’ve made our case to you why this is a no brainer and an easy win for retail investors at all stages of their savings journey.

It’s time to bring the ISA into the 21st century. Let’s make sure that investors can use their ISAs to invest in fractions!

[Patrick Buhagiar @PatrickBuhagiar]

𝐀 𝐒𝐮𝐧𝐧𝐲 𝐀𝐟𝐭𝐞𝐫𝐧𝐨𝐨𝐧 𝐢𝐧 𝐕𝐚𝐥𝐥𝐞𝐭𝐭𝐚

I did a thing and picked an old hobby. Enjoy! 🔊

Shot on iPhone 13 Pro
Music: Double4 by Ketsa
Source: Free Music Archive
License: CC BY-NC-ND

#valletta #malta #summer #architecture #sea #capital #europe #Mediterranean

[Freetrade @freetrade]

Our mobile engineer, Mark Murtagh, dives into his team's journey with Jetpack Compose - transforming Freetrade's Android UI development into an easier and faster process 👌

https://t.co/FkiHmwsO88

[Adam Dodds @doddsie]

The UK is a GREAT place to start and grow a business.

The government and regulators are a big part of that.

Let me share why:

[Freetrade @freetrade]

Before you start investing, it’s important to break down some of the basics.

Let’s start with some key terms and define what a stock is.

👇🧵

#investingbasics

[Patrick Buhagiar @PatrickBuhagiar]

My game time has been split 20% doing quests, and 80% getting lost in the magnificent halls of Hogwarts

[Patrick Buhagiar @PatrickBuhagiar]

My new favourite #ChatGPT usage when preparing presentations is asking: "Describe/summarise ___ in a single sentence" 🦸

[Freetrade @freetrade]

We’re excited to officially launch in the App Store in Sweden today 🇸🇪

Capital at risk

[Patrick Buhagiar @PatrickBuhagiar]

For those unfamiliar with SwiftKey, this is how easy it is to write in Maltese!

[Patrick Buhagiar @PatrickBuhagiar]

This one hits home hard. I'm one of those people that makes an effort to write correct Maltese and English online. It's effortless to do on #SwiftKey, as autocorrect helps without needing to switch language keyboard each time.

[The Verge @verge]

Microsoft’s discontinuing SwiftKey on iOS next week https://t.co/XNqXwx7Z5B

[Patrick Buhagiar @PatrickBuhagiar]

I feel massively let down here @Microsoft. I plan to keep using SwiftKey as much as I can, but once I can't, it will be cumbersome to seamlessly use my native language online.

Take note @Apple for better multilingual input support 🙏