Re: [GNC] Reporting transactions
If it works for you and it's clear to you, then that's what matters. Original Message From: Ruaraidh Sackville Hamilton Sent: Sun May 03 15:19:16 GMT+05:30 2020 To: Christopher Lam Cc: "D. via gnucash-user" Subject: Re: [GNC] Reporting transactions FWIW, after further research on SIPPs I think I have the "correct" solution for how to manage them in GnuCash. Basically, keep them in their own GnuCash file separate from your other assets. To quote https://www.ii.co.uk/ii-accounts/sipp/inheritance-tax , "Your pension does not normally form part of your estate" (that is, it's not part of your assets and liabilities whose net worth is assessed for inheritance tax, and whose associated income and expenditure is assessed for income tax). It all fits and makes sense. A SIPP is a pension fund. Pension funds themselves are not part of your assets, and their investment activities are not part of your income and expenditure. When you pay into a pension fund, this is an expense, which reduces your estate's net worth now and which you can claim as an allowable expense against income tax. When you withdraw funds from a pension fund, this is income, which is subject to income tax and increases your estate's net worth. This applies to SIPPs in the same way as to other pension funds. The difference is, a SIPP is managed by you. As investor-manager of the SIPP, you can specify who the SIPP will pass to when you die, but that is done separately from your estate under different tax rules. So, keep your estate assets and liabilities in one GnuCash file (your estate file), and your SIPP in a separate file (your SIPP file). Payments from your estate bank account into your SIPP appear correctly as expenses in your estate file, and withdrawals from your SIPP into your bank account appear correctly as income in your estate file - so they will be correctly reported in your estate tax report. If you want the GnuCash tax report to fully reflect all your expenses, including contributions made by employers or by the government pay directly into your SIPP, you would need route them through a notional asset in your estate file: record each employer/government contribution as a (tax-free) income to the notional asset, and then as an immediate expense from that asset, on the same date as the income to the SIPP - i.e. zero net change in your estate net worth, and an increase in the SIPP net worth. If you still want to keep your estate and your SIPP in the same GnuCash file, be aware that (1) the net worth shown in the GnuCash file will not be your estate net worth; (2) GnuCash tax reports won't be able to show all your reportable expenses while you are building up your SIPP; and (3) GnuCash tax reports won't be able to show all your taxable income when you withdraw funds from the SIPP. Hope this is of interest to some. Ruaraidh On Fri, 1 May 2020 at 12:53, Ruaraidh Sackville Hamilton < ruaraidh...@gmail.com> wrote: > Yes :) > > They differ from other brokerage accounts in regulations on tax and on > when and how you can withdraw funds. e.g. when you use it in retirement as > your pension income, withdrawals from the fund into your normal bank > account are taxed as income at the point of withdrawal (again, from a tax > perspective, paying into a SIPP is a business expense, whereas withdrawing > from a SIPP is a taxable income). > > But yes, they are brokerage accounts, to be managed as you say. > > On Fri, 1 May 2020 at 12:00, Christopher Lam > wrote: > >> IIUC the SIPP is simply a wrapper around stock-type and cash-type >> investments, so, you'd handle it exactly the same as any Broker and Broker >> investments. >> >> See https://www.gnucash.org/docs/v3/C/gnucash-guide/invest-setup1.html - >> the SIPP wrapper would be the "Brokerage Accounts" asset. You may choose to >> record each stock fluctuation, or (my preference) trust the SIPP statements >> instead. >> >> Annually you'd print a Transaction Report from SIPP account. Or you can >> run a cash flow report, originating from SIPP account and children. >> >> On Fri, 1 May 2020 at 10:26, Ruaraidh Sackville Hamilton < >> ruaraidh...@gmail.com> wrote: >> >>> Yes sure that's one perspective and I agree with it, and that's why I >>> have my SIPP in the same GC file as everything else. I was just noting that >>> the way contributions are reported (i.e. as expenses eligible for tax >>> rebates, not as income that is taxed) seems more in line with a >>> different perspective, that the net worth of a SIPP is independent from >>> personal net worth. Isn't a business's net worth different from personal >>> net worth? Isn't it possible to view it both ways? &
Re: [GNC] Reporting transactions
gt;>> I wouldn't classify sipp contributions as expense. You'd be incorrectly >>>> reducing your net worth whenever you contribute to it. >>>> >>>> On Fri, 1 May 2020, 5:23 pm Ruaraidh Sackville Hamilton, < >>>> ruaraidh...@gmail.com> wrote: >>>> >>>>> Ah yes you are right! I didn't think of the case where an employer pays >>>>> directly into a SIPP. In that case it is clearly an income. Not in >>>>> mine. >>>>> >>>>> Conceptually, it might be better thought of as a business expense. The >>>>> business is the SIPP and the government encourages investment in the >>>>> business by giving tax rebates on allowable business expenses. Payments >>>>> into the SIPP are reported in the tax report as expenses rather than as >>>>> income. And a SIPP is not like other assets: I can't sell it or trade >>>>> it, >>>>> and there are strict rules limiting when and how much income I can take >>>>> from it in retirement. So maybe we should look at the SIPP as its own >>>>> independent entity, with income to the SIPP being expenses to our other >>>>> assets, just as reported in tax reports. >>>>> >>>>> But that seems a theoretical discussion, and we have a sort of >>>>> pragmatic >>>>> solution that works (even though I have to go outside of GnuCash to >>>>> calculate what to put in the tax form) >>>>> >>>>> Thanks again for enlightening comments! >>>>> >>>>> On Thu, 30 Apr 2020 at 16:30, D. wrote: >>>>> >>>>> > Ah, then yes it's a terminology thing. In my own case, money from my >>>>> > income goes directly into the SIPP as a payroll deduction, so I just >>>>> > transfer from income into the SIPP. It can just as easily go from an >>>>> asset >>>>> > to another asset. >>>>> > >>>>> > >>>>> > Original Message >>>>> > From: Ruaraidh Sackville Hamilton >>>>> > Sent: Thu Apr 30 19:42:46 GMT+05:30 2020 >>>>> > To: "D." >>>>> > Cc: "D. via gnucash-user" >>>>> > Subject: Re: [GNC] Reporting transactions >>>>> > >>>>> > Sorry David, I didn't mean to imply I prefer the second to the first >>>>> > option. I just thought it easier to show by editing one of your >>>>> versions, >>>>> > and happened to pick the second. I could as easily have picked the >>>>> first. >>>>> > >>>>> > In my reply I replaced your "Income:Me" with "Assets:my bank >>>>> account". The >>>>> > point is that, when the SIPP is in the same GC file as my other >>>>> assets, the >>>>> > transaction is from one asset (the bank account I used to pay into >>>>> the >>>>> > SIPP) to another asset (my SIPP). It's not from an income account to >>>>> the >>>>> > SIPP, so it can't appear in a report of income. >>>>> > >>>>> > If I keep the SIPP in a separate dedicated GC file, then no problem: >>>>> my >>>>> > contribution appears in the main GC file as an expense against my >>>>> bank >>>>> > account and as an income in the SIPP GC file. I just wondered if >>>>> there was >>>>> > a way of keeping all assets in one file. >>>>> > >>>>> > Ruaraidh >>>>> > >>>>> > On Thu, 30 Apr 2020 at 14:41, D. wrote: >>>>> > >>>>> > > ??? >>>>> > > >>>>> > > Perhaps this is a terminology thing, but aren't you just >>>>> re-presenting >>>>> > the >>>>> > > second option I gave originally? >>>>> > > >>>>> > > Think of it another way: there are two sources for the funding of >>>>> your >>>>> > > SIPP: your contribution, and the government's. How you handle your >>>>> own >>>>> > > contribution depends on your workflow; the government is giving you >>>>> > money, >>>>> > > so tha
Re: [GNC] Reporting transactions
Yes :) They differ from other brokerage accounts in regulations on tax and on when and how you can withdraw funds. e.g. when you use it in retirement as your pension income, withdrawals from the fund into your normal bank account are taxed as income at the point of withdrawal (again, from a tax perspective, paying into a SIPP is a business expense, whereas withdrawing from a SIPP is a taxable income). But yes, they are brokerage accounts, to be managed as you say. On Fri, 1 May 2020 at 12:00, Christopher Lam wrote: > IIUC the SIPP is simply a wrapper around stock-type and cash-type > investments, so, you'd handle it exactly the same as any Broker and Broker > investments. > > See https://www.gnucash.org/docs/v3/C/gnucash-guide/invest-setup1.html - > the SIPP wrapper would be the "Brokerage Accounts" asset. You may choose to > record each stock fluctuation, or (my preference) trust the SIPP statements > instead. > > Annually you'd print a Transaction Report from SIPP account. Or you can > run a cash flow report, originating from SIPP account and children. > > On Fri, 1 May 2020 at 10:26, Ruaraidh Sackville Hamilton < > ruaraidh...@gmail.com> wrote: > >> Yes sure that's one perspective and I agree with it, and that's why I >> have my SIPP in the same GC file as everything else. I was just noting that >> the way contributions are reported (i.e. as expenses eligible for tax >> rebates, not as income that is taxed) seems more in line with a >> different perspective, that the net worth of a SIPP is independent from >> personal net worth. Isn't a business's net worth different from personal >> net worth? Isn't it possible to view it both ways? >> >> Ignore me. I'm a novice to GnuCash and naive in economics. I just find it >> interesting, learning new concepts as part of learning GnuCash. >> >> On Fri, 1 May 2020 at 10:41, Christopher Lam >> wrote: >> >>> I wouldn't classify sipp contributions as expense. You'd be incorrectly >>> reducing your net worth whenever you contribute to it. >>> >>> On Fri, 1 May 2020, 5:23 pm Ruaraidh Sackville Hamilton, < >>> ruaraidh...@gmail.com> wrote: >>> >>>> Ah yes you are right! I didn't think of the case where an employer pays >>>> directly into a SIPP. In that case it is clearly an income. Not in mine. >>>> >>>> Conceptually, it might be better thought of as a business expense. The >>>> business is the SIPP and the government encourages investment in the >>>> business by giving tax rebates on allowable business expenses. Payments >>>> into the SIPP are reported in the tax report as expenses rather than as >>>> income. And a SIPP is not like other assets: I can't sell it or trade >>>> it, >>>> and there are strict rules limiting when and how much income I can take >>>> from it in retirement. So maybe we should look at the SIPP as its own >>>> independent entity, with income to the SIPP being expenses to our other >>>> assets, just as reported in tax reports. >>>> >>>> But that seems a theoretical discussion, and we have a sort of pragmatic >>>> solution that works (even though I have to go outside of GnuCash to >>>> calculate what to put in the tax form) >>>> >>>> Thanks again for enlightening comments! >>>> >>>> On Thu, 30 Apr 2020 at 16:30, D. wrote: >>>> >>>> > Ah, then yes it's a terminology thing. In my own case, money from my >>>> > income goes directly into the SIPP as a payroll deduction, so I just >>>> > transfer from income into the SIPP. It can just as easily go from an >>>> asset >>>> > to another asset. >>>> > >>>> > >>>> > Original Message >>>> > From: Ruaraidh Sackville Hamilton >>>> > Sent: Thu Apr 30 19:42:46 GMT+05:30 2020 >>>> > To: "D." >>>> > Cc: "D. via gnucash-user" >>>> > Subject: Re: [GNC] Reporting transactions >>>> > >>>> > Sorry David, I didn't mean to imply I prefer the second to the first >>>> > option. I just thought it easier to show by editing one of your >>>> versions, >>>> > and happened to pick the second. I could as easily have picked the >>>> first. >>>> > >>>> > In my reply I replaced your "Income:Me" with "Assets:my bank >>>> accoun
Re: [GNC] Reporting transactions
IIUC the SIPP is simply a wrapper around stock-type and cash-type investments, so, you'd handle it exactly the same as any Broker and Broker investments. See https://www.gnucash.org/docs/v3/C/gnucash-guide/invest-setup1.html - the SIPP wrapper would be the "Brokerage Accounts" asset. You may choose to record each stock fluctuation, or (my preference) trust the SIPP statements instead. Annually you'd print a Transaction Report from SIPP account. Or you can run a cash flow report, originating from SIPP account and children. On Fri, 1 May 2020 at 10:26, Ruaraidh Sackville Hamilton < ruaraidh...@gmail.com> wrote: > Yes sure that's one perspective and I agree with it, and that's why I have > my SIPP in the same GC file as everything else. I was just noting that the > way contributions are reported (i.e. as expenses eligible for tax rebates, > not as income that is taxed) seems more in line with a > different perspective, that the net worth of a SIPP is independent from > personal net worth. Isn't a business's net worth different from personal > net worth? Isn't it possible to view it both ways? > > Ignore me. I'm a novice to GnuCash and naive in economics. I just find it > interesting, learning new concepts as part of learning GnuCash. > > On Fri, 1 May 2020 at 10:41, Christopher Lam > wrote: > >> I wouldn't classify sipp contributions as expense. You'd be incorrectly >> reducing your net worth whenever you contribute to it. >> >> On Fri, 1 May 2020, 5:23 pm Ruaraidh Sackville Hamilton, < >> ruaraidh...@gmail.com> wrote: >> >>> Ah yes you are right! I didn't think of the case where an employer pays >>> directly into a SIPP. In that case it is clearly an income. Not in mine. >>> >>> Conceptually, it might be better thought of as a business expense. The >>> business is the SIPP and the government encourages investment in the >>> business by giving tax rebates on allowable business expenses. Payments >>> into the SIPP are reported in the tax report as expenses rather than as >>> income. And a SIPP is not like other assets: I can't sell it or trade it, >>> and there are strict rules limiting when and how much income I can take >>> from it in retirement. So maybe we should look at the SIPP as its own >>> independent entity, with income to the SIPP being expenses to our other >>> assets, just as reported in tax reports. >>> >>> But that seems a theoretical discussion, and we have a sort of pragmatic >>> solution that works (even though I have to go outside of GnuCash to >>> calculate what to put in the tax form) >>> >>> Thanks again for enlightening comments! >>> >>> On Thu, 30 Apr 2020 at 16:30, D. wrote: >>> >>> > Ah, then yes it's a terminology thing. In my own case, money from my >>> > income goes directly into the SIPP as a payroll deduction, so I just >>> > transfer from income into the SIPP. It can just as easily go from an >>> asset >>> > to another asset. >>> > >>> > >>> > Original Message >>> > From: Ruaraidh Sackville Hamilton >>> > Sent: Thu Apr 30 19:42:46 GMT+05:30 2020 >>> > To: "D." >>> > Cc: "D. via gnucash-user" >>> > Subject: Re: [GNC] Reporting transactions >>> > >>> > Sorry David, I didn't mean to imply I prefer the second to the first >>> > option. I just thought it easier to show by editing one of your >>> versions, >>> > and happened to pick the second. I could as easily have picked the >>> first. >>> > >>> > In my reply I replaced your "Income:Me" with "Assets:my bank account". >>> The >>> > point is that, when the SIPP is in the same GC file as my other >>> assets, the >>> > transaction is from one asset (the bank account I used to pay into the >>> > SIPP) to another asset (my SIPP). It's not from an income account to >>> the >>> > SIPP, so it can't appear in a report of income. >>> > >>> > If I keep the SIPP in a separate dedicated GC file, then no problem: my >>> > contribution appears in the main GC file as an expense against my bank >>> > account and as an income in the SIPP GC file. I just wondered if there >>> was >>> > a way of keeping all assets in one file. >>> > >>> > Ruaraidh >>> > >>> > On Thu, 30 Apr 2020
Re: [GNC] Reporting transactions
Yes sure that's one perspective and I agree with it, and that's why I have my SIPP in the same GC file as everything else. I was just noting that the way contributions are reported (i.e. as expenses eligible for tax rebates, not as income that is taxed) seems more in line with a different perspective, that the net worth of a SIPP is independent from personal net worth. Isn't a business's net worth different from personal net worth? Isn't it possible to view it both ways? Ignore me. I'm a novice to GnuCash and naive in economics. I just find it interesting, learning new concepts as part of learning GnuCash. On Fri, 1 May 2020 at 10:41, Christopher Lam wrote: > I wouldn't classify sipp contributions as expense. You'd be incorrectly > reducing your net worth whenever you contribute to it. > > On Fri, 1 May 2020, 5:23 pm Ruaraidh Sackville Hamilton, < > ruaraidh...@gmail.com> wrote: > >> Ah yes you are right! I didn't think of the case where an employer pays >> directly into a SIPP. In that case it is clearly an income. Not in mine. >> >> Conceptually, it might be better thought of as a business expense. The >> business is the SIPP and the government encourages investment in the >> business by giving tax rebates on allowable business expenses. Payments >> into the SIPP are reported in the tax report as expenses rather than as >> income. And a SIPP is not like other assets: I can't sell it or trade it, >> and there are strict rules limiting when and how much income I can take >> from it in retirement. So maybe we should look at the SIPP as its own >> independent entity, with income to the SIPP being expenses to our other >> assets, just as reported in tax reports. >> >> But that seems a theoretical discussion, and we have a sort of pragmatic >> solution that works (even though I have to go outside of GnuCash to >> calculate what to put in the tax form) >> >> Thanks again for enlightening comments! >> >> On Thu, 30 Apr 2020 at 16:30, D. wrote: >> >> > Ah, then yes it's a terminology thing. In my own case, money from my >> > income goes directly into the SIPP as a payroll deduction, so I just >> > transfer from income into the SIPP. It can just as easily go from an >> asset >> > to another asset. >> > >> > >> > Original Message >> > From: Ruaraidh Sackville Hamilton >> > Sent: Thu Apr 30 19:42:46 GMT+05:30 2020 >> > To: "D." >> > Cc: "D. via gnucash-user" >> > Subject: Re: [GNC] Reporting transactions >> > >> > Sorry David, I didn't mean to imply I prefer the second to the first >> > option. I just thought it easier to show by editing one of your >> versions, >> > and happened to pick the second. I could as easily have picked the >> first. >> > >> > In my reply I replaced your "Income:Me" with "Assets:my bank account". >> The >> > point is that, when the SIPP is in the same GC file as my other assets, >> the >> > transaction is from one asset (the bank account I used to pay into the >> > SIPP) to another asset (my SIPP). It's not from an income account to the >> > SIPP, so it can't appear in a report of income. >> > >> > If I keep the SIPP in a separate dedicated GC file, then no problem: my >> > contribution appears in the main GC file as an expense against my bank >> > account and as an income in the SIPP GC file. I just wondered if there >> was >> > a way of keeping all assets in one file. >> > >> > Ruaraidh >> > >> > On Thu, 30 Apr 2020 at 14:41, D. wrote: >> > >> > > ??? >> > > >> > > Perhaps this is a terminology thing, but aren't you just re-presenting >> > the >> > > second option I gave originally? >> > > >> > > Think of it another way: there are two sources for the funding of your >> > > SIPP: your contribution, and the government's. How you handle your own >> > > contribution depends on your workflow; the government is giving you >> > money, >> > > so that's an income account. I offered two methods of recording that >> > > two-step; yours is a repetition of my second method. >> > > >> > > I personally use the first, since the two events are inextricably >> linked >> > > (the second never happens without the first). >> > > >> > > Or am I missing something? >> > &g
Re: [GNC] Reporting transactions
I wouldn't classify sipp contributions as expense. You'd be incorrectly reducing your net worth whenever you contribute to it. On Fri, 1 May 2020, 5:23 pm Ruaraidh Sackville Hamilton, < ruaraidh...@gmail.com> wrote: > Ah yes you are right! I didn't think of the case where an employer pays > directly into a SIPP. In that case it is clearly an income. Not in mine. > > Conceptually, it might be better thought of as a business expense. The > business is the SIPP and the government encourages investment in the > business by giving tax rebates on allowable business expenses. Payments > into the SIPP are reported in the tax report as expenses rather than as > income. And a SIPP is not like other assets: I can't sell it or trade it, > and there are strict rules limiting when and how much income I can take > from it in retirement. So maybe we should look at the SIPP as its own > independent entity, with income to the SIPP being expenses to our other > assets, just as reported in tax reports. > > But that seems a theoretical discussion, and we have a sort of pragmatic > solution that works (even though I have to go outside of GnuCash to > calculate what to put in the tax form) > > Thanks again for enlightening comments! > > On Thu, 30 Apr 2020 at 16:30, D. wrote: > > > Ah, then yes it's a terminology thing. In my own case, money from my > > income goes directly into the SIPP as a payroll deduction, so I just > > transfer from income into the SIPP. It can just as easily go from an > asset > > to another asset. > > > > > > Original Message > > From: Ruaraidh Sackville Hamilton > > Sent: Thu Apr 30 19:42:46 GMT+05:30 2020 > > To: "D." > > Cc: "D. via gnucash-user" > > Subject: Re: [GNC] Reporting transactions > > > > Sorry David, I didn't mean to imply I prefer the second to the first > > option. I just thought it easier to show by editing one of your versions, > > and happened to pick the second. I could as easily have picked the first. > > > > In my reply I replaced your "Income:Me" with "Assets:my bank account". > The > > point is that, when the SIPP is in the same GC file as my other assets, > the > > transaction is from one asset (the bank account I used to pay into the > > SIPP) to another asset (my SIPP). It's not from an income account to the > > SIPP, so it can't appear in a report of income. > > > > If I keep the SIPP in a separate dedicated GC file, then no problem: my > > contribution appears in the main GC file as an expense against my bank > > account and as an income in the SIPP GC file. I just wondered if there > was > > a way of keeping all assets in one file. > > > > Ruaraidh > > > > On Thu, 30 Apr 2020 at 14:41, D. wrote: > > > > > ??? > > > > > > Perhaps this is a terminology thing, but aren't you just re-presenting > > the > > > second option I gave originally? > > > > > > Think of it another way: there are two sources for the funding of your > > > SIPP: your contribution, and the government's. How you handle your own > > > contribution depends on your workflow; the government is giving you > > money, > > > so that's an income account. I offered two methods of recording that > > > two-step; yours is a repetition of my second method. > > > > > > I personally use the first, since the two events are inextricably > linked > > > (the second never happens without the first). > > > > > > Or am I missing something? > > > > > > David > > > > > > > > > Original Message > > > From: Ruaraidh Sackville Hamilton > > > Sent: Thu Apr 30 17:20:34 GMT+05:30 2020 > > > To: "D." > > > Cc: Gnucash Users > > > Subject: Re: [GNC] Reporting transactions > > > > > > That covers it if the SIPP is in a separate GC file of its own, where > my > > > contribution is an income (and an expense from my bank account in the > > main > > > GC file, which I use to fund the contribution). > > > > > > But if it's all in one GC file we have > > > > > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > > > My contribution Assets:my bank account £100 > > > > > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > > > Government contribution Income:GovContrib £25 > > > > > > Am I wrong? > > > > >
Re: [GNC] Reporting transactions
Ah yes you are right! I didn't think of the case where an employer pays directly into a SIPP. In that case it is clearly an income. Not in mine. Conceptually, it might be better thought of as a business expense. The business is the SIPP and the government encourages investment in the business by giving tax rebates on allowable business expenses. Payments into the SIPP are reported in the tax report as expenses rather than as income. And a SIPP is not like other assets: I can't sell it or trade it, and there are strict rules limiting when and how much income I can take from it in retirement. So maybe we should look at the SIPP as its own independent entity, with income to the SIPP being expenses to our other assets, just as reported in tax reports. But that seems a theoretical discussion, and we have a sort of pragmatic solution that works (even though I have to go outside of GnuCash to calculate what to put in the tax form) Thanks again for enlightening comments! On Thu, 30 Apr 2020 at 16:30, D. wrote: > Ah, then yes it's a terminology thing. In my own case, money from my > income goes directly into the SIPP as a payroll deduction, so I just > transfer from income into the SIPP. It can just as easily go from an asset > to another asset. > > > Original Message > From: Ruaraidh Sackville Hamilton > Sent: Thu Apr 30 19:42:46 GMT+05:30 2020 > To: "D." > Cc: "D. via gnucash-user" > Subject: Re: [GNC] Reporting transactions > > Sorry David, I didn't mean to imply I prefer the second to the first > option. I just thought it easier to show by editing one of your versions, > and happened to pick the second. I could as easily have picked the first. > > In my reply I replaced your "Income:Me" with "Assets:my bank account". The > point is that, when the SIPP is in the same GC file as my other assets, the > transaction is from one asset (the bank account I used to pay into the > SIPP) to another asset (my SIPP). It's not from an income account to the > SIPP, so it can't appear in a report of income. > > If I keep the SIPP in a separate dedicated GC file, then no problem: my > contribution appears in the main GC file as an expense against my bank > account and as an income in the SIPP GC file. I just wondered if there was > a way of keeping all assets in one file. > > Ruaraidh > > On Thu, 30 Apr 2020 at 14:41, D. wrote: > > > ??? > > > > Perhaps this is a terminology thing, but aren't you just re-presenting > the > > second option I gave originally? > > > > Think of it another way: there are two sources for the funding of your > > SIPP: your contribution, and the government's. How you handle your own > > contribution depends on your workflow; the government is giving you > money, > > so that's an income account. I offered two methods of recording that > > two-step; yours is a repetition of my second method. > > > > I personally use the first, since the two events are inextricably linked > > (the second never happens without the first). > > > > Or am I missing something? > > > > David > > > > > > Original Message > > From: Ruaraidh Sackville Hamilton > > Sent: Thu Apr 30 17:20:34 GMT+05:30 2020 > > To: "D." > > Cc: Gnucash Users > > Subject: Re: [GNC] Reporting transactions > > > > That covers it if the SIPP is in a separate GC file of its own, where my > > contribution is an income (and an expense from my bank account in the > main > > GC file, which I use to fund the contribution). > > > > But if it's all in one GC file we have > > > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > > My contribution Assets:my bank account £100 > > > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > > Government contribution Income:GovContrib £25 > > > > Am I wrong? > > > > Ruaraidh > > > > On Thu, 30 Apr 2020 at 12:33, D. wrote: > > > > > Set up an independent income account for the government contributions: > > > > > > Income:GovContrib > > > > > > Then add either a split to your contribution for the government, > > > > > > 01-01-2020 SIPP Contribution Assets:SIPP £125 > > > My contribution Income:Me £100 > > > Government contribution Income:GovContrib £25 > > > > > > or a separate transaction, > > > > > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > > > My contribution Income:Me £100 > > > > > > 01-01-2020 S
Re: [GNC] Reporting transactions
Christopher, I think the point Ruaraidh is making here is that *their* contribution isn't income-- not the government piece. I agree this can easily be handled in one file though. Original Message From: Christopher Lam Sent: Thu Apr 30 19:57:36 GMT+05:30 2020 To: Ruaraidh Sackville Hamilton Cc: GnuCash users group Subject: Re: [GNC] Reporting transactions On Thu, 30 Apr 2020 at 14:15, Ruaraidh Sackville Hamilton < ruaraidh...@gmail.com> wrote: > In my reply I replaced your "Income:Me" with "Assets:my bank account". The > point is that, when the SIPP is in the same GC file as my other assets, the > transaction is from one asset (the bank account I used to pay into the > SIPP) to another asset (my SIPP). It's not from an income account to the > SIPP, so it can't appear in a report of income. > It *can and should* appear in an Income report; you are enjoying a government contribution and your net worth increases as a result. It should be present in your main datafile. It's not taxable income, so, you are allowed to ignore it in your annual returns. > If I keep the SIPP in a separate dedicated GC file, then no problem: my > contribution appears in the main GC file as an expense against my bank > account and as an income in the SIPP GC file. I just wondered if there was > a way of keeping all assets in one file. > Generally you wouldn't use two files for this case. ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All. ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] Reporting transactions
Ah, then yes it's a terminology thing. In my own case, money from my income goes directly into the SIPP as a payroll deduction, so I just transfer from income into the SIPP. It can just as easily go from an asset to another asset. Original Message From: Ruaraidh Sackville Hamilton Sent: Thu Apr 30 19:42:46 GMT+05:30 2020 To: "D." Cc: "D. via gnucash-user" Subject: Re: [GNC] Reporting transactions Sorry David, I didn't mean to imply I prefer the second to the first option. I just thought it easier to show by editing one of your versions, and happened to pick the second. I could as easily have picked the first. In my reply I replaced your "Income:Me" with "Assets:my bank account". The point is that, when the SIPP is in the same GC file as my other assets, the transaction is from one asset (the bank account I used to pay into the SIPP) to another asset (my SIPP). It's not from an income account to the SIPP, so it can't appear in a report of income. If I keep the SIPP in a separate dedicated GC file, then no problem: my contribution appears in the main GC file as an expense against my bank account and as an income in the SIPP GC file. I just wondered if there was a way of keeping all assets in one file. Ruaraidh On Thu, 30 Apr 2020 at 14:41, D. wrote: > ??? > > Perhaps this is a terminology thing, but aren't you just re-presenting the > second option I gave originally? > > Think of it another way: there are two sources for the funding of your > SIPP: your contribution, and the government's. How you handle your own > contribution depends on your workflow; the government is giving you money, > so that's an income account. I offered two methods of recording that > two-step; yours is a repetition of my second method. > > I personally use the first, since the two events are inextricably linked > (the second never happens without the first). > > Or am I missing something? > > David > > > Original Message -------- > From: Ruaraidh Sackville Hamilton > Sent: Thu Apr 30 17:20:34 GMT+05:30 2020 > To: "D." > Cc: Gnucash Users > Subject: Re: [GNC] Reporting transactions > > That covers it if the SIPP is in a separate GC file of its own, where my > contribution is an income (and an expense from my bank account in the main > GC file, which I use to fund the contribution). > > But if it's all in one GC file we have > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > My contribution Assets:my bank account £100 > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > Government contribution Income:GovContrib £25 > > Am I wrong? > > Ruaraidh > > On Thu, 30 Apr 2020 at 12:33, D. wrote: > > > Set up an independent income account for the government contributions: > > > > Income:GovContrib > > > > Then add either a split to your contribution for the government, > > > > 01-01-2020 SIPP Contribution Assets:SIPP £125 > > My contribution Income:Me £100 > > Government contribution Income:GovContrib £25 > > > > or a separate transaction, > > > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > > My contribution Income:Me £100 > > > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > > Government contribution Income:GovContrib £25 > > > > That should cover it, yes? > > > > > > > > > > Original Message > > From: Ruaraidh > > Sent: Thu Apr 30 15:17:04 GMT+05:30 2020 > > To: gnucash-user@gnucash.org > > Subject: [GNC] Reporting transactions > > > > I have another question related to UK tax reporting obligations. > > > > In the UK we can have a type of asset called a SIPP (Self-invested > Personal > > Pension). You pay money into a SIPP with the idea of building up an > income > > for your retirement. The carrot is, you get a tax rebate. For example if > > you > > pay 100 GBP into the SIPP, the government pays in another 25 GBP. > > > > For our annual tax reports, we have to report the total added to the SIPP > > during the tax year: the amount we pay in personally, plus the amount > that > > the government pays in, i.e. 125 GBP in the above example. > > > > This is easy to do if I keep the SIPP in a separate GC book. Then all > > personal contributions and the Government's additional contributions can > be > > put into the same income account. Easy. What's not so good is that (a) I > no > > longer have an overview of all assets in one book and (b) to do my one > tax > > report I have to do
Re: [GNC] Reporting transactions
Indeed the government's contribution appears correctly as income however it's recorded, as it is a genuine income. No problem there. The personal contribution is not an income as it doesn't increase my net worth - it's just a transfer from one account to another. And you are right, the government contribution is not taxable income and doesn't go in the tax report as an income. All OK so far. But we still have to include the personal and government contributions in the tax report. I'm not sure the reason is relevant, but for what it's worth, they use this information to adjust the threshold between basic rate and higher rate tax. Perhaps I'm coming at it from the wrong angle. It's not right to expect these contributions to appear in a report of income and expenses. Perhaps I need a separate transaction report. Thanks everyone for your patience, as I try to learn what GnuCash can do! On Thu, 30 Apr 2020 at 15:28, Christopher Lam wrote: > On Thu, 30 Apr 2020 at 14:15, Ruaraidh Sackville Hamilton < > ruaraidh...@gmail.com> wrote: > >> In my reply I replaced your "Income:Me" with "Assets:my bank account". The >> point is that, when the SIPP is in the same GC file as my other assets, >> the >> transaction is from one asset (the bank account I used to pay into the >> SIPP) to another asset (my SIPP). It's not from an income account to the >> SIPP, so it can't appear in a report of income. >> > > It *can and should* appear in an Income report; you are enjoying a > government contribution and your net worth increases as a result. It should > be present in your main datafile. It's not taxable income, so, you are > allowed to ignore it in your annual returns. > > >> If I keep the SIPP in a separate dedicated GC file, then no problem: my >> contribution appears in the main GC file as an expense against my bank >> account and as an income in the SIPP GC file. I just wondered if there was >> a way of keeping all assets in one file. >> > > Generally you wouldn't use two files for this case. > ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] Reporting transactions
On Thu, 30 Apr 2020 at 14:15, Ruaraidh Sackville Hamilton < ruaraidh...@gmail.com> wrote: > In my reply I replaced your "Income:Me" with "Assets:my bank account". The > point is that, when the SIPP is in the same GC file as my other assets, the > transaction is from one asset (the bank account I used to pay into the > SIPP) to another asset (my SIPP). It's not from an income account to the > SIPP, so it can't appear in a report of income. > It *can and should* appear in an Income report; you are enjoying a government contribution and your net worth increases as a result. It should be present in your main datafile. It's not taxable income, so, you are allowed to ignore it in your annual returns. > If I keep the SIPP in a separate dedicated GC file, then no problem: my > contribution appears in the main GC file as an expense against my bank > account and as an income in the SIPP GC file. I just wondered if there was > a way of keeping all assets in one file. > Generally you wouldn't use two files for this case. ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] Reporting transactions
Sorry David, I didn't mean to imply I prefer the second to the first option. I just thought it easier to show by editing one of your versions, and happened to pick the second. I could as easily have picked the first. In my reply I replaced your "Income:Me" with "Assets:my bank account". The point is that, when the SIPP is in the same GC file as my other assets, the transaction is from one asset (the bank account I used to pay into the SIPP) to another asset (my SIPP). It's not from an income account to the SIPP, so it can't appear in a report of income. If I keep the SIPP in a separate dedicated GC file, then no problem: my contribution appears in the main GC file as an expense against my bank account and as an income in the SIPP GC file. I just wondered if there was a way of keeping all assets in one file. Ruaraidh On Thu, 30 Apr 2020 at 14:41, D. wrote: > ??? > > Perhaps this is a terminology thing, but aren't you just re-presenting the > second option I gave originally? > > Think of it another way: there are two sources for the funding of your > SIPP: your contribution, and the government's. How you handle your own > contribution depends on your workflow; the government is giving you money, > so that's an income account. I offered two methods of recording that > two-step; yours is a repetition of my second method. > > I personally use the first, since the two events are inextricably linked > (the second never happens without the first). > > Or am I missing something? > > David > > > Original Message > From: Ruaraidh Sackville Hamilton > Sent: Thu Apr 30 17:20:34 GMT+05:30 2020 > To: "D." > Cc: Gnucash Users > Subject: Re: [GNC] Reporting transactions > > That covers it if the SIPP is in a separate GC file of its own, where my > contribution is an income (and an expense from my bank account in the main > GC file, which I use to fund the contribution). > > But if it's all in one GC file we have > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > My contribution Assets:my bank account £100 > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > Government contribution Income:GovContrib £25 > > Am I wrong? > > Ruaraidh > > On Thu, 30 Apr 2020 at 12:33, D. wrote: > > > Set up an independent income account for the government contributions: > > > > Income:GovContrib > > > > Then add either a split to your contribution for the government, > > > > 01-01-2020 SIPP Contribution Assets:SIPP £125 > > My contribution Income:Me £100 > > Government contribution Income:GovContrib £25 > > > > or a separate transaction, > > > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > > My contribution Income:Me £100 > > > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > > Government contribution Income:GovContrib £25 > > > > That should cover it, yes? > > > > > > > > > > Original Message > > From: Ruaraidh > > Sent: Thu Apr 30 15:17:04 GMT+05:30 2020 > > To: gnucash-user@gnucash.org > > Subject: [GNC] Reporting transactions > > > > I have another question related to UK tax reporting obligations. > > > > In the UK we can have a type of asset called a SIPP (Self-invested > Personal > > Pension). You pay money into a SIPP with the idea of building up an > income > > for your retirement. The carrot is, you get a tax rebate. For example if > > you > > pay 100 GBP into the SIPP, the government pays in another 25 GBP. > > > > For our annual tax reports, we have to report the total added to the SIPP > > during the tax year: the amount we pay in personally, plus the amount > that > > the government pays in, i.e. 125 GBP in the above example. > > > > This is easy to do if I keep the SIPP in a separate GC book. Then all > > personal contributions and the Government's additional contributions can > be > > put into the same income account. Easy. What's not so good is that (a) I > no > > longer have an overview of all assets in one book and (b) to do my one > tax > > report I have to do two separate GC tax reports. > > > > Is there a better solution? Either something that allows me to keep > > everything in one book, or a way that allows reports to query two books? > > > > > > > > -- > > Sent from: > http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html > > ___ > > gnucash-user mailing list > > gnucash-user@gnu
Re: [GNC] Reporting transactions
??? Perhaps this is a terminology thing, but aren't you just re-presenting the second option I gave originally? Think of it another way: there are two sources for the funding of your SIPP: your contribution, and the government's. How you handle your own contribution depends on your workflow; the government is giving you money, so that's an income account. I offered two methods of recording that two-step; yours is a repetition of my second method. I personally use the first, since the two events are inextricably linked (the second never happens without the first). Or am I missing something? David Original Message From: Ruaraidh Sackville Hamilton Sent: Thu Apr 30 17:20:34 GMT+05:30 2020 To: "D." Cc: Gnucash Users Subject: Re: [GNC] Reporting transactions That covers it if the SIPP is in a separate GC file of its own, where my contribution is an income (and an expense from my bank account in the main GC file, which I use to fund the contribution). But if it's all in one GC file we have 01-01-2020 SIPP Contribution Assets:SIPP £100 My contribution Assets:my bank account £100 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 Government contribution Income:GovContrib £25 Am I wrong? Ruaraidh On Thu, 30 Apr 2020 at 12:33, D. wrote: > Set up an independent income account for the government contributions: > > Income:GovContrib > > Then add either a split to your contribution for the government, > > 01-01-2020 SIPP Contribution Assets:SIPP £125 > My contribution Income:Me £100 > Government contribution Income:GovContrib £25 > > or a separate transaction, > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > My contribution Income:Me £100 > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > Government contribution Income:GovContrib £25 > > That should cover it, yes? > > > > > Original Message > From: Ruaraidh > Sent: Thu Apr 30 15:17:04 GMT+05:30 2020 > To: gnucash-user@gnucash.org > Subject: [GNC] Reporting transactions > > I have another question related to UK tax reporting obligations. > > In the UK we can have a type of asset called a SIPP (Self-invested Personal > Pension). You pay money into a SIPP with the idea of building up an income > for your retirement. The carrot is, you get a tax rebate. For example if > you > pay 100 GBP into the SIPP, the government pays in another 25 GBP. > > For our annual tax reports, we have to report the total added to the SIPP > during the tax year: the amount we pay in personally, plus the amount that > the government pays in, i.e. 125 GBP in the above example. > > This is easy to do if I keep the SIPP in a separate GC book. Then all > personal contributions and the Government's additional contributions can be > put into the same income account. Easy. What's not so good is that (a) I no > longer have an overview of all assets in one book and (b) to do my one tax > report I have to do two separate GC tax reports. > > Is there a better solution? Either something that allows me to keep > everything in one book, or a way that allows reports to query two books? > > > > -- > Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html > ___ > gnucash-user mailing list > gnucash-user@gnucash.org > To update your subscription preferences or to unsubscribe: > https://lists.gnucash.org/mailman/listinfo/gnucash-user > If you are using Nabble or Gmane, please see > https://wiki.gnucash.org/wiki/Mailing_Lists for more information. > - > Please remember to CC this list on all your replies. > You can do this by using Reply-To-List or Reply-All. > > ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] Reporting transactions
That covers it if the SIPP is in a separate GC file of its own, where my contribution is an income (and an expense from my bank account in the main GC file, which I use to fund the contribution). But if it's all in one GC file we have 01-01-2020 SIPP Contribution Assets:SIPP £100 My contribution Assets:my bank account £100 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 Government contribution Income:GovContrib £25 Am I wrong? Ruaraidh On Thu, 30 Apr 2020 at 12:33, D. wrote: > Set up an independent income account for the government contributions: > > Income:GovContrib > > Then add either a split to your contribution for the government, > > 01-01-2020 SIPP Contribution Assets:SIPP £125 > My contribution Income:Me £100 > Government contribution Income:GovContrib £25 > > or a separate transaction, > > 01-01-2020 SIPP Contribution Assets:SIPP £100 > My contribution Income:Me £100 > > 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 > Government contribution Income:GovContrib £25 > > That should cover it, yes? > > > > > Original Message > From: Ruaraidh > Sent: Thu Apr 30 15:17:04 GMT+05:30 2020 > To: gnucash-user@gnucash.org > Subject: [GNC] Reporting transactions > > I have another question related to UK tax reporting obligations. > > In the UK we can have a type of asset called a SIPP (Self-invested Personal > Pension). You pay money into a SIPP with the idea of building up an income > for your retirement. The carrot is, you get a tax rebate. For example if > you > pay 100 GBP into the SIPP, the government pays in another 25 GBP. > > For our annual tax reports, we have to report the total added to the SIPP > during the tax year: the amount we pay in personally, plus the amount that > the government pays in, i.e. 125 GBP in the above example. > > This is easy to do if I keep the SIPP in a separate GC book. Then all > personal contributions and the Government's additional contributions can be > put into the same income account. Easy. What's not so good is that (a) I no > longer have an overview of all assets in one book and (b) to do my one tax > report I have to do two separate GC tax reports. > > Is there a better solution? Either something that allows me to keep > everything in one book, or a way that allows reports to query two books? > > > > -- > Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html > ___ > gnucash-user mailing list > gnucash-user@gnucash.org > To update your subscription preferences or to unsubscribe: > https://lists.gnucash.org/mailman/listinfo/gnucash-user > If you are using Nabble or Gmane, please see > https://wiki.gnucash.org/wiki/Mailing_Lists for more information. > - > Please remember to CC this list on all your replies. > You can do this by using Reply-To-List or Reply-All. > > ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] Reporting transactions
Set up an independent income account for the government contributions: Income:GovContrib Then add either a split to your contribution for the government, 01-01-2020 SIPP Contribution Assets:SIPP £125 My contribution Income:Me £100 Government contribution Income:GovContrib £25 or a separate transaction, 01-01-2020 SIPP Contribution Assets:SIPP £100 My contribution Income:Me £100 01-01-2020 SIPP Govt Contribution Assets:SIPP £25 Government contribution Income:GovContrib £25 That should cover it, yes? Original Message From: Ruaraidh Sent: Thu Apr 30 15:17:04 GMT+05:30 2020 To: gnucash-user@gnucash.org Subject: [GNC] Reporting transactions I have another question related to UK tax reporting obligations. In the UK we can have a type of asset called a SIPP (Self-invested Personal Pension). You pay money into a SIPP with the idea of building up an income for your retirement. The carrot is, you get a tax rebate. For example if you pay 100 GBP into the SIPP, the government pays in another 25 GBP. For our annual tax reports, we have to report the total added to the SIPP during the tax year: the amount we pay in personally, plus the amount that the government pays in, i.e. 125 GBP in the above example. This is easy to do if I keep the SIPP in a separate GC book. Then all personal contributions and the Government's additional contributions can be put into the same income account. Easy. What's not so good is that (a) I no longer have an overview of all assets in one book and (b) to do my one tax report I have to do two separate GC tax reports. Is there a better solution? Either something that allows me to keep everything in one book, or a way that allows reports to query two books? -- Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All. ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
[GNC] Reporting transactions
I have another question related to UK tax reporting obligations. In the UK we can have a type of asset called a SIPP (Self-invested Personal Pension). You pay money into a SIPP with the idea of building up an income for your retirement. The carrot is, you get a tax rebate. For example if you pay 100 GBP into the SIPP, the government pays in another 25 GBP. For our annual tax reports, we have to report the total added to the SIPP during the tax year: the amount we pay in personally, plus the amount that the government pays in, i.e. 125 GBP in the above example. This is easy to do if I keep the SIPP in a separate GC book. Then all personal contributions and the Government's additional contributions can be put into the same income account. Easy. What's not so good is that (a) I no longer have an overview of all assets in one book and (b) to do my one tax report I have to do two separate GC tax reports. Is there a better solution? Either something that allows me to keep everything in one book, or a way that allows reports to query two books? -- Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
