The HfP chat thread – Friday 9th April

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• Mco says:

  9 Apr9 April 15:49

  I have 10k Avios in my Iberia account which is expiring soon. What is the best way to extend them? Can I just bring them back over to BA?

  • bafan says:

    9 Apr9 April 17:32

    Yes. I think you do it through Avios.com – I’ve done it before.

    • Secret Squirrel says:

      9 Apr9 April 19:57

      Or aer club

• Bee says:

  9 Apr9 April 16:39

  I just tried to add my new IHG credit card onto Curve but it was declined. …is there a reason why?

  • Dan says:

    9 Apr9 April 16:53

    Have you checked that the address matches on both the curve and IHG side?

  • Benilyn says:

    9 Apr9 April 17:29

    I added one today, worked fine.

  • Peter K says:

    9 Apr9 April 19:16

    If it is a replacement due to card expiry date then you may have to remove the old card to add the new. Your spend on the old card (assuming same card number, just different expiry and cvv) will be ported into the new card.

  • Bee says:

    9 Apr9 April 22:34

    Thank you – now sorted

• Aston100 says:

  9 Apr9 April 17:54

  With an Amex Plat, do you officially get points on the first gold supplement? this is after getting points for the first supplementary plat.
  I don’t mean IT glitches or luck. I can’t seem to find the official position.

  Thanks.

  • Dan says:

    9 Apr9 April 17:57

    No only the bonus is for the first Plat support (5kMR). That is the official line but as the gold is free there is no harm in trying in the hope that the Amex IT gods will be in your favour 🙂

    • Aston100 says:

      9 Apr9 April 18:00

      Thanks Dan.

  • Rob says:

    9 Apr9 April 18:29

    No, not unless there is a promo running for adding extra supps, as there is occasionally.

  • Harry T says:

    9 Apr9 April 18:32

    IT gods once gave me 5000 MR for every supp. Similar happened on BAPP.

    • Boris says:

      9 Apr9 April 19:26

      Did you space out the supp applications?

• Dan says:

  9 Apr9 April 17:57

  The Morrisons instore offer (8pts/£) has disappeared off the portal early. I seemed to remember it lasted until the end of the month… same for everyone else?

  Gravy train cut short?

  • Hilly says:

    9 Apr9 April 22:17

    Yes disappeared, and none if my purchases in store have posted 🧐

    • Jonathan says:

      10 Apr10 April 00:26

      I haven’t been keeping heavy tabs on my purchases, but I think only one of mine have tracked, and it was a purchase using Apple Pay. The other transactions were done using chip and pin. I didn’t put the expiration date of my card in, but that alone shouldn’t stop purchases from tracking. If anyone knows better, please say !

• Unknown says:

  9 Apr9 April 18:00

  Rob/Rhys must be crazy royalists seeing as my comment was deleted

  Ah well, I hope we get rid of the monarchy soon. Very outdated for somewhere like the UK.

  • Rhys says:

    9 Apr9 April 18:01

    I deleted your comment because it seemed intentionally and unnecessarily inflammatory (aided by the fact that you chose to hide your identity – don’t worry we know who you are 😉 ). No problem with republican (or royalist) sentiment here.

    • Ali M says:

      9 Apr9 April 20:42

      Royalist here too – think should keep differences aside and just realise that someone important to this country pass on – whether I liked them or not.

      Rhys😱😱😱I thought if I change browsers and use an anonymous name,you guys won’t know x But you do…how 😩😩😩

      • kitten says:

        9 Apr9 April 21:36

        you need a vpn for that as with your solutions your IP address was the same so matchable

    • Cat says:

      9 Apr9 April 21:17

      I wouldn’t really have any issue with them, if they apologised for being a tad racist and tried to do something about it, and if Andrew stopped dodging the FBI’s calls.

      • bafan says:

        9 Apr9 April 23:25

        Agreed, Cat.

  • Aston100 says:

    9 Apr9 April 18:02

    So long as their net contribution to the UK economy is positive (tourism etc) then they can stay.

    • Unknown says:

      9 Apr9 April 18:49

      Nobody can prove whether it is though.

      How can you find out whether somebody who came to the UK wouldn’t have come if there was no royal family?

      We still have all the history, it’s possible if we open up the palaces and charge for entry we could make even more but we don’t know for sure. Besides, Chester Zoo gets more visitors than Windsor Castle annually.

      On top of that you have the Crown Estate which belongs to the reigning monarch, not anybody in particular. If we removed the royals from power in my opinion it is likely the state would then own these assets.

      • Unknown says:

        9 Apr9 April 18:52

        Besides, saying if they’re good for the economy they can stay is pretty strange.

        Even if they are good for the economy, in the grand scale of what % of our gdp it’d be, it is a very very small part.
        For that we have to put up with a family that has crazy control over our laws in secret

        • Unknown says:

          9 Apr9 April 18:54

          Not to mention many of them being (allegedly) racist, having “gaffes” which are wildly offensive and covering up for Andrew in the (alleged) child abuse scandal or (allegedly) being involved in it all themselves.

      • ChrisC says:

        9 Apr9 April 19:11

        To all intents and purposes the Crown Estate is already owned by the State.

        Same as the Crown Jewels and the Royal Collection – basically anything held by the Monarch in Right of the Crown as opposed to anything owned personally by the Queen.

        The profits the Crown Estate generates are handed over to the Government who then pays an agreed proportion back to the Monarch as the Sovereign Grant.

        • Unknown says:

          9 Apr9 April 19:27

          Right, but what I mean is, people usually mention that the royals pay x% tax when really it all belongs to the state and we give them their grant and money for weddings/funerals etc.

          Somewhat like all the benefits former US presidents get. Just a bit ridiculous considering how wealthy many of them are. There should be some kind of means test, just to avoid a situation like Truman.

      • Boris says:

        9 Apr9 April 19:28

        And you know what me and my cronies will do with those assets.

        • Chris K says:

          9 Apr9 April 22:34

          Invest in a very successful vaccine procurement?

      • r* says:

        9 Apr9 April 23:58

        I never understand this whole get rid of the monarchy thing considering how many countries would love to have the monarchy. Plus you dont see ppl in the US wanting to get rid of disneyland, do you?

        Its absurd.

    • The real John says:

      9 Apr9 April 19:44

      I don’t understand why everyone always tries to bring tourism into the argument. It’s not like people don’t visit France or Germany because they deposed their monarchies. In fact in non-monarchies you get to go inside the palaces and generally pay a hefty sum to do so

      The royal weddings were a 2-off and the next one (if the monarchy stays) is 30 years away

    • Chris Heyes says:

      9 Apr9 April 20:44

      Aston100 Just a few years ago “The Royal Family” Asked and got an exemption order that stopped anyone including police seizing any articles that they had acquired illegally.
      Also making it illegal to ask for any list
      One law for them, one law for the rest
      The papers were told not to publish anything about it, at the time

      • Chris Heyes says:

        9 Apr9 April 20:56

        Add was in 2017, if anyone wants to check ?
        The information was only obtained under the freedom information act
        Was just a nod from parliament to put it through Queens wishes

  • Alex says:

    9 Apr9 April 18:15

    Rob/Rhys posted on Twitter saying they have received “guidance” on how to proceed over the next 8 days of mourning so might be to do with that.

    • Rob says:

      9 Apr9 April 18:27

      We will receive it, apparently. No sign of it yet.

      • Anuj says:

        9 Apr9 April 19:04

        Guidance from who ?

        • Rhys says:

          9 Apr9 April 20:18

          The government

        • Anuj says:

          9 Apr9 April 20:33

          That’s quite interesting, the article on the guardian about the Queen passing away says that the official advice would be for business to continue as usual, but that was written a few years ago.

• Matty says:

  9 Apr9 April 18:05

  What a day… RIP Earl Simmons (DMX)

  • Unknown says:

    9 Apr9 April 18:56

    Absolutely rest in peace to one of the greats.

    • Rhys says:

      10 Apr10 April 08:58

      It’s a shame he was homophobic!

  • N says:

    9 Apr9 April 21:54

    We lost royalty today, and some guy called Phillip.

    RIP DMX.

  • Yorkieflyer says:

    10 Apr10 April 15:40

    Anyone care to explain who this is?

• Tiger says:

  9 Apr9 April 18:05

  I reckon I can withdraw 25% max from my pension pot at retirement. But is annuity the only option for the remaining pot or is there a way to withdraw remaining 75%?

  • Alex says:

    9 Apr9 April 18:13

    Drawdown but it’s taxed as income

  • Jonathan says:

    9 Apr9 April 18:16

    That used to be the case but you can now do drawdown where it’s essentially a savings account you can access at will. You have to pay income tax on anything you take out after the 25% tax free sum though.

    Obviously an annuity gives you certainty over income no matter how long you live. The trade off is the rubbish rates offered recently. This will improve if interest rates increase.

    The risk of drawdown is you could run out of cash if you live longer than you predict. If you die with money left in the pot you can currently pass it on without paying IHT.

    • KBuffett says:

      9 Apr9 April 18:44

      Is full drawn down permissible with NHS or Civil Service pensions?

      • The real John says:

        9 Apr9 April 19:47

        NHS is a defined benefit, there is no pot of money which belongs to you that you can take out. It just pays you a defined amount based on how long you worked and your career average salary.

        • TGLoyalty says:

          9 Apr9 April 20:38

          Not a pension specialist but my understanding was DB pensions have a capital value of which 25% can be drawn down as per a DC.

          I think it’s the annual pension entitlement x20 plus any defined lump sum benefit.

    • Lady London says:

      9 Apr9 April 21:24

      Also be aware that as soon as you take any more than the tax free 25% then you breach the MPAA. As soon as you do this the maximum amount you will be able, ever, to invest into a pension tax-free will be £4,000. Currently so long as you haven’t breached the MPAA you can invest up to £40,000 p.a. of your earnings without being taxed on it on the way in (and that relief of tax is at your highest marginal rate).

      There are wrinkles and details on this and you can be pretty sure some of these things will worsen quite soon given the hole in UK public finances.

      • Lady London says:

        9 Apr9 April 21:29

        *£4,000 pa* not just £4,000, investable tax-free into a pension if you breach the MPAA

        • Harrier25 says:

          9 Apr9 April 22:06

          The 4k max contribution also has to take into account the tax relief, so the amount you can contribute is much less than 4k.

• Clive says:

  9 Apr9 April 18:22

  If you donated to the Lyft/Hilton ride scheme recently you may find the 2K points have posted to your account.

  • AndyGWP says:

    9 Apr9 April 18:34

    Not for me 🤔

    • AndyGWP says:

      9 Apr9 April 18:41

      Now I have! Thanks to whoever mentioned it on here 👍🏻

      • Ste Cox says:

        9 Apr9 April 19:01

        +1

  • Anuj says:

    9 Apr9 April 19:00

    How did everyone manage to do it? Lyft wouldn’t let me sign up without a US number.

    • Clive says:

      9 Apr9 April 19:07

      I’m registered with my UK phone

      • meta says:

        9 Apr9 April 21:13

        Same here. I also got 5k previously for the first ride on Lyft when I was in NY two years ago.

  • Craig says:

    9 Apr9 April 22:48

    Thanks to whoever suggested it, 2000 points and a donation to a good cause.

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