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Uncrystallised funds
Morning all Quick hypothetical: if maximum TFLS has been taken, is there any point in keeping uncrystallised funds within a SIPP? Thanks in advance.
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How does ali-framed sliding door sit on a hardwood cill?
This is in reference to this thread: https://forums.moneysavingexpert.com/discussion/6559900/flat-sale-condensation#latest where the poster has water ingress along the bottom (assumed to be water ingress, and not just down to condensation).1992 flat with a sliding aluminium door leading to a Juliet balcony. Carpet all…
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Cancelling the TV Licence Online??
I havent watched any TV for the last 6 months, but have still been paying my TV Licence when I clearly didnt need to. I tried to cancel this online but it just says that I have to phone them to do it, even though I paid via Direct Debit?? To continue with your cancellation, please call a member of our team on 0300 790…
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Moving to cash
I'm retiring at Christmas this year. I'll be just 65. I have a SIPP with HL, currently at about £110k. It's in four different funds. I would like to draw this down at £4000 per year. Like everyone else, I've no idea how it's going to perform in the future. If I sell the funds, and just leave it as cash, then I'll know…
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Bungalow Extension Pedantics
Hi All, I have a somewhat pedantic question, but I feel it’s worth addressing just in case. We're planning to extend our bungalow by incorporating our freestanding garage, but I have a concern that’s been lingering in my mind. The garage (a single detached structure) forms part of the boundary with our neighboring…
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Leaving a lifetime interest
I've questioned before for a friend who has absolutely no financial acumen whatsoever. She's living rent-free in a house purchased by a good friend of hers with a large amount of her equity from her previous house and some of his own (She didn't have enough to buy it herself). I have no idea why he was willing to invest in…
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Capquest CCA Request
Hi All, So I sent a CCA request to Capquest back in July this year. The only response I got was an undated/unaddressed letter about a week later returning my fee and saying they will issue a response as soon as possible. Ive had no further response to my request since. However, last month I got a letter from Capquest…
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Suitable lintel for an outdoor project
Hello everyone, I'm building a gazebo-like structure in the garden, dimensions are 5m length and 1.5m depth. I'd like the roof sloping from front to back, and this is my question - is there a lintel that would be suitable for an outdoor project like this, that would span the entire 5m length? This would only be needed at…
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O/S Daily Monday 14th October 2024
Good morning, it's a dry start here. Yesterday was ok, but chilly though. We visited a friend yesterday, she has a daughter living near DH's brother in the south west, where we are going today. She'd asked us to take some things down to her daughter, so we went to collect them from her. Then it was a quick trip to Tosco,…
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Estimated Postal Cost?
I have just listed a couple of items on ebay both with RM postage of £3.75 second class. I don't use ebay postage but buy my own. On getting emails confirming the listings there is a star next to the postage amount and at the bottom it says - This price is an estimation of postage costs and once buyer has paid the…
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New home purchased with a 'right of access' for neighbour - ADVICE NEEDED
I recently purchased my new home earlier in the year and the property report says that there is a right of access to our
property (the driveway) for the adjoining property (the house next door but
one), and it states that this is for utility services and to maintain these
services. I
just wanted to clarify what actual…
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Dimmer Switch Replacement
Hi, I am looking for a bit of advice here. We have a dimmer switch in our kitchen that needs replacing. It controls 6 spot lights in the area. The current make is from British General GBSD400 Nexus Grid 400w 2 way brushed steel push dimmer switch. This was installed in 2018. We have been looking for a replacement online…
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Window Film for insulation - what to get, how to pick, how to ensure I am not being mugged off
Dear forum, Long preamble: This is more of an energy saving question than a money
saving question, but I hope this will still be within people’s scope of
knowledge. I currently live with my parents and weekly commute to
university. I don’t contribute towards my parent’s gas bill (thank god) but I
am an environmentalist and…
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Where do cobwebs come from?
I don't mean the type of cobwebs that spiders make, where you can see intricate threads, but the threads hanging down from the ceiling, single strands with maybe dust.If I don't dust my ceiling and walls, I see these. But they would be no good for catching fies.
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Weekly Flylady Thread 14th October 2024
Thank you, Valli, for last week's thread. What is FLYLADY? Well, it's our version of the US flylady idea - but we work on
the principle that housework is not fun, it's boring, can be time-consuming, is
often thankless but, unfortunately, necessary. It's here on Old Style to
provide the support we all need and to make the…
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Best business bank accounts for sole trader
Hi there folks. Tried to find a thread on here which would answer this question for me however they all seemed closed and out of date. So, in the hope of getting up-to-date answer's:- I'm looking for your recommendations for a business bank account which will come with a version of accounting software. I'm particularly…
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Getting a broadband provider for only 12 months...
...is impossible. They all want 2 year contracts, I just don't understand this, so many people only live in one place for a year. Is there some technical reason for doing this or is it just about trapping people?
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Best approach to low risk high return savings from inheritance
I am about to inherit around £50,000, which for me is an enormous sum - many times more than my personal savings (which have never been more than £10,000). I pay a mortgage at 1.78% but this is up for renewal in February with a likely fixed rate of around 4% I think? Anyway, I'd appreciate any suggestions about the options…
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Nationwide CHAPS payments
I just wondered if someone had recent experience of these? I saw a few issues reported in 2018 but all seems quiet recently. I understand they use HSBC as their CHAPS provider, and that you can initiate a CHAPS payment on the morning of when you want it to be sent, either in branch or through online banking. Does anyone…
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Nice -Geneva- Manchester
Hi I recently posted a topic very similar to this one that was to do with whether I had time to make a connection , This one is similar but my main issue is different. Ive flew twice before into Geneva airport from a Schengen location to connect to an onward flight to the uk with hand luggage. Both times I’ve just walked…
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Hostile attorney - welfare LPA
My elderly mother has recently been admitted to a care home on safeguarding grounds. She is self-funded at present but the local authority will meet the care costs once her savings have dwindled. She no longer has full mental capacity but she does not have dementia. Her stepson (one my paternal half-brothers) is her sole…
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Car finance - gift
My patner has recently purchased a 18K car through finance. He has said he wants to gift this car to me as a birthday present. I already have a car that I own out right and do need not comfortable accepting this gift as it’s not in my name and I will have no right of ownership, so I’m risking my security of a car. We do…
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Almost exchanged, need guidance
Hi All, We are buying our first house, exchange planned this week. I want to know what documents is a seller expected to provide? I guess boiler service history and EPC, but what else? This house is not a new build, so no NHBC guarantee involved. Should I be asking for any other documentation? Thanks
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Mum's Question
Just had a call from Mum, shes doesn't know if she's getting pension credit and by extension Winter fuel benefit. Shes asked me to find out as being upwards of 80 years old she is petrified about calling anyone. She said she is getting a supplemental DWP weekly income of £26.80 on top of her monthly DWP payment of £734.76.…
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Civil Service Alpha pension/how to retire early ?
Hi Here's hoping that some knowledgeable forum users can me can give their thoughts please ? Background - Aged 60. State Pension age 67. I work in the civil service and part retired in 2018. I have accessed my Classic part of my pension and reduced my hours to 22 hrs a week. I took the lump sum of 16k and my classic…
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Bathroom Sink Tap Faulty after 18 Months.
I had my bathroom refurbished in April 2023 and the bathroom sink tap has started to leak slightly from the top. I got in touch with the company who did the work and they will come and have a look. However they have said Tap out of warranty but we can try and repair it. The company who fitted the tap supplied the tap. Yet…
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Have you been disrespected by a surveyor from Countrywide? Gathering evidence
I rencently had a bad encounter with a surveyor from Countrywide Surveyors. It all started because I asked him for photographic ID. He didn't like it, and started disrespecting me, until I told him to leave my property. This could have cost me my mortgage renewal, but I was recording everything on video. So the company had…
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What happens if my friend sells her house while her husband is in care?
My friend is in a mess. Her husband is in a care home after a bad stroke and has been there for some years. He won’t be returning home. Him and his wife are tenants in common for the house they own. His assets have fallen below the self funding level. The house is a disaster, no working heating and falling to bits. Far too…
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Living with partner - how much money to ask for
Hi i bought a house maybe three months ago now and I’ve been living here with my partner. The deposit and mortgage was and is paid by myself and my partner has paid no contributions towards the mortgage or council tax. The mortgage is solely in my name. I was wondering if anyone is in the same boat and would like to know…
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Wax, oil or varnish for internal wooden doors?
The internal doors are about 100 years old and the previous owners stripped them of paint. I want to give them something to perk them up a bit as have been here 10 years and done nothing to them. Is wax, oil or varnish the best to use? All these products seem to harden once dried and it goes against what I would have…
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Samsung QLED Malware?
Sorry if I sound stupid, but this worried me. I recently got a new Samsung QLED TV and suddenly today whilst watch Netflix a pop-up message say malware threat blocked 500000100000 something like this. Then the choice to report Always, Not Now or Ignore. Took me a while to realize I had to use the Samsung remote to accept…
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Thermostat broken
Hi, We have a Worcester boiler with a Salus RT505tx thermostat. I noticed today the thermostat control wasn't on so I went to change the batteries and the metal plate that connects to the battery has snapped off. There's nothing wrong with the boiler, just the control panel. Is there a money saving way for me to replace…
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Cash ISA Queries
I have several queries relating to Cash ISAs that I'm hoping someone can help me with. I've been reading online about them today and some of it's very confusing. * If I open a Cash ISA investing £20K, will I ever have to pay tax on this even when the interest goes over £1K annually? * Can I add another £20K to this ISA…
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Is this an overcharge?
I have a "lifetime" equity-release mortgage. I've recently married and my wife wishes to redeem the mortgage and have her name added to the deeds, as Joint Tenants (we're aware of "tenants in common" difference). Her funds are coming from her French bank account. The redemption figure is around £75,000. So, we need a…
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Life Insurance & DRO
I know if you declare yourself bankrupt the official receiver also takes off you any life insurance policies you have. Does the same thing happen with a DRO?
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Another SERPS question re my state pension.
Hi all. I've had a quick look around before posting, but can't see any definitive answers to my question. I retired early at 57 and I can claim my state pension in 2032. Upon checking the HMRC site re my State Pension, it confirms I have a record of 42 years full National Insurance contributions, and I am projected to get…
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Moved: Current account switcheroo
This discussion has been moved.
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Current account switcheroo
So for the first time in my life (mid 40's), I am contemplating switching current account providers (to 1st Direct). My main motivation is to bank the £175 sign-up offer. Access to the 7% regular saver is also swaying me. My main reason for never doing this previously is that I assumed that I'd have to go through all the…
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PCN Euro Car Parks
PCN received stating that there was a parking overstay beyond the maximum ( the vehicle's parking time was 2hous 26 mins in total) The driver was shopping at a retail park, buying a new laptop from one shop, following some helpful customer consultation, comparison and assistance from shop service assistant (2hrs 10mins).…
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BW LEGAL PCN NOTICE
hi , I've recently just received a letter from BW legal advising that they have taken over debt for a parking company. I never received any notice from the company that operates the carpark , but looking into it , that is most likely due to my v5 not being up to date as I have moved address. The pcn was supposedly issued…