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Other 'big questions' you want answered

edited 30 November -1 at 12:00AM in Site Feedback
41 replies 5.5K views
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  • MSE_MartinMSE_Martin MoneySaving Expert
    8.3K posts
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    I don't know the answer to that Sophie. I dont know which the thread was. Yet this is a Chat Forum - and over 100,000 people post here - sadly some aren't always polite or nice like any community.

    Yet this thread is about articles not the forum - and subjects you'd like to be written - for the 1,000,000 users of the main site - if possible it'd be great if we can stick to that. If people are rude or abusive to you - please report it to the abuse team - as indicated by the orange bar at the top of every page

    Martin :)
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.
    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.
    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • Another 'big question' you may have some ideas about is
    "First time Mortgages." Such as Bank of Ireland '1st start'. They are very cagy, they don't have info on site or to send out. You have to ring, all beit free (0800 109010). This where your parents income can be taken into account, but their house is not at risk, only the mortgagee's house. Parents only guarantee the monthly payment in the event of problems.

    There must be other schemes, it is trying to find them as they are rarely on the leaflet rack in the B. Socs. (Your blog on owning a house engaged my brain on this one!!)
  • Hi I Would Really Like You To Look Into Why Ema Has Done A U-turn After Abolishing Pilot Area Schemes In April 2006
    Which Meant My Daughter Would Now Qualify (we Dont Live In A Pilot Area)
    Have Decided To Extend It To April 2007
    After Receiving Notice Of Entitlement(noe) And A £30 Payment She Has Now Recieved A Letter Saying"sorry But Due To An Incorrect Interpretation Of The Revlevant Legislation Noe Was Issued In Error" How Can It Be Right? There Must Be A Lot Of Students In This Same Position Who Have Never Been Able To Claim
  • Martin,
    Offset mortgages vs traditional repayment mortgages. Which is the best? What are the advantages and disadvantages of both?
  • pavlovs_dogpavlovs_dog Forumite
    10.1K posts
    Part of the Furniture 1,000 Posts Combo Breaker
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    i would like to second the pensions and what to do with free shares suggestions.

    and may i also suggest

    life insurance - what are the options, how does it work, is it worth it

    and wills - the best way to go about ensuring your assets go where you want them

    and perhaps (im not sure if you've already written one), tying in with the will idea, how to legally avoid inheritance tax so that the people you choose to give money to get the most benefit from that gift
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • MSE_MartinMSE_Martin MoneySaving Expert
    8.3K posts
    ✭✭✭✭
    Actually folks most of the recent suggestions are already covered

    1st time mortgages - its in the new mortgage guide
    EMA - there is an article on EMAs, sorry to hear about the U-turn, but this is more about managing finances than campaigning on the specifics
    Offset - this is covered in both the mortgage and remortgage guides in detail
    Life insurance and inheritence tax both have articles on the site (life insurance is due an update soon)

    Martin :)
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.
    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.
    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • pavlovs_dogpavlovs_dog Forumite
    10.1K posts
    Part of the Furniture 1,000 Posts Combo Breaker
    ✭✭✭✭✭
    will venture out of the forums :eek: and go look for those :beer:

    cheers big man :j
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • How about an explanation of endownments? I know you have covered how to claim if they have been mis-sold. But as I do not qualify for that, I really need to know if I should cash them in or hang on to them. I have three policies covering my mortgage, and ideally I would like to get rid of them altogether and change my mortgage to a repayment mortgage, but I don't know if:
    a) that makes financial sense or if it is throwing more money away
    or
    b) if I do get rid of them, should I cash them in with the company that sold them, or sell them to another agency that buys policies.

    (I have received letters from the different companies telling me one is on track and the other two are predicated shortfalls...)

    I simply don't understand how they work at all !!

    Thanks!!
  • Martin
    You were right Paul Lewis' book on Pensions was great.
    Pick an ETF that tracks the FTSE.
    Unfortunately the brokers fees to get into an ETF prohibit their effectiveness.
    I have probably missed a trick,could you eor Paul explain how best to get an ETF
    Regards
    David
  • Hi Martin,

    I second the suggestion regarding SERPS / contracting back in. I realise that each situation is different, but are there any general guidelines?

    Thanks.
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