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Archives for December 2016

Starting a business from home
Hi We would like to start a food/cake business to sell home made cakes & food to local people. What do I need to keep in mind to make sure we don't violate any laws and local legal requirements? I understand I need to first register with our local council and take some Food Hygiene courses. Is there anything that I need to…
CMA surveys
Hi there I have posted this in the surveys section but maybe it isn't well frequented as no-one has replied. Just wondered if anyone could help me? I only have until Monday, so don't want to miss out if it is legit but am a little worried. I have been sent a letter through the post inviting up to 4 members of my family to…
Kleeneze/Wikaniko reps - has anyone tried this?
Hi, Has anyone tried being a rep for Kleeneze or Wikaniko? I'm lookng for something to supplement my income but am a bit worried about trying something like these. Kleeneze has a start-up/admin cost of £25, Wikaniko has a start up cost plus monthly fee. Always worried about something that asks for money first, but I have…
Making a living from lots of different things?
Hi all, I know there is a lot of required reading but before I devote some time into it I wanted to give a little info on myself and what I'd like to do, so that some of the more experienced people can let me know where to start/if it's at all possible. My background is marketing, from working with tiny companies to big…
Swagbucks gift card
Just got a Amazon gift card. For some reason it's not recognised by Amazon. I've contacted swagbucks. Has this happened to anyone else?
Selling books
I'm going to have a clear out and have quite a lot of books I'd like to get rid of. I've tried we buy books but they only offer pennies. Is it worth trying to sell them?
FOREX trading and Tax
Dose a UK taxpayer pay tax when it comes to FOREX trading, on top of your other income (full time job) For the record I called HMRC about this question, they were more focused on knowing my national insurance number :undecided and it has been over 2 months I am still waiting for a call back If taxable where is the evidence…
PrizeRebel website
Does anyone use the Prize Rebel website ? It seems to work along the same lines of Swagbucks, Gifthulk etc with surveys and offers completed in exchange for rewards such as Paypal and Amazon Thanks
setting up as a sole trader BUT..
I run (someone else's) business in a limited company and all my income is a monthly share of dividend. It is quite a small amount and I am looking to register another business as a sole trader to make ends meet. Does anyone know what the HMRC rules are on this kind of situation as I'm worried that the tax will wipe all my…
Makes no sense
I have a santander account. My friend with a natwest account had me saved as a payee and wanted to pay me today 18th (sunday) as he went to proceed to pay the payment date shows as 20th (tuesday). And he isn't able to change it to any earlier ??!! I need it asap so why can't it be done now???
Define 'millionaire'
Just interested, having spent some time looking at tinktay's Millionaire Challenge. What's your definition of a millionaire? Some possible ideas - 1) Has £1,000,000 in the bank 2) Has a personal net worth of £1m - ie, property + other tangible assets + money in the bank 3) Has earned £1m (before tax? after tax?) 4) Would…
Citizenme - New survey app
Has anyone here used Citizenme? It's a mobile app, available for Android and iOS. They provide instant payments via Paypal with no minimum balance required.
Swagbucks - Incorrect credit for Shop & Earn
Hello all, Having a spot of bother with Swagbucks and hoping somebody can advise me what to do. A while ago I spent £1200 at Topman through Swagbucks. Order delivered, all fine etc. Anyway, when my shop was finally awarded I was given 7SB because the order value had only shown $1. So I've been in touch with them to try and…
TNS Mystery Shopping - Closing Operations
For any of our mystery shoppers who use TNS - I hope this message helps. The firm has just announced that they closing for good. Below is the email I've just been sent. And if you've got any monies outstanding get in touch with them pronto. Thanks very much Sassers x :wave: "We would like to thank you all for your hard…
OnePulse
How do I withdraw any earnings? I tried sending an e-mail to their support e-mail address, but no reply yet. I've heard they are changing things and I don't want to lose the (little) I have managed to earn.
Anyone had problems with cashing out with ipoll?Just had my account deactivated.
Hi all last week i managed to compleate a load of surveys. which took me to pay out, on going to cash out with pay pal, i got a message saying my account had been deactivated,I have emailed them but after reading other peoples post on Facebook i'm not hopeful, anyone elsa had this happen and managed to get there money, any…
unity 4
I did a quick search and came up with Nada.... Does anyone have any experience with Unity 4? Seem to be an australian version of arise... they've been advertising locally to me for home based agents offering £7.50 p/h plus commission. I can t seem to find any uk info on them at all though... TIA
How much can I make before paying tax on you tube
If you join The You Tube Partnering are you automatically classed as self employed even before you make any money? and How much money can I make on You Tube Adsense in a tax year, before I have to pay tax on on those earnings in the UK? Since I dont know to much about this side I am asking as dont want to be hit with a tax…
Purerofile
I've done pureprofile surveys for a while. After getting a tablet the surveys no longer earn anything. I've contacted pureprofile and they say it's a problem with there system. I don't have access to a pc and I've some money in my account but not enough to pay out. Pureprofile say they are trying to sort the glitch in…
Consumer pulse Vouchers
Just a quick heads up. I sent for some American Golf voucher to go towards a Christmas present, They arrived today and apparently they have to be activated in a branch beforehand and as I don't live anywhere near a branch and don't drive, it will mean 2 buses and a train and probably take me a day there and back

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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