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Wood floor to carpet diy advice please!
I am having a new carpet fitted in the lounge which has 2 doors (to kitchen and hall) where a laminate wood floor is fitted. Though this wood floor is laminate it is quite thick and has a lip on one edge. My problem is it does not go right into the door openings (been badly fitted) where it will meet the carpet so I am…
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Any positively about AI and job losses
I keep seeing that AI will make us all unemployed. Every time I look online all I see are companies are making staff redundant due to AI. Is there any hope?
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Personal Lease Insurance
I have a new car ordered under a personal lease agreement with Kia. 2 issues seems to be causing me a headache for obtaining insurance: In the T&Cs it states… "You will also have to ensure we are named as owner and loss payee under the insurance policy"…Insurance comparision websites dont seem to draw out this point, even…
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Estate distribution statement & account balance discrepancies
I am in the process of drafting the final account statement for my late mother which I had thought would be a fairly straightforward process. The issue lies in the fact there is a sum of money (sub 1K) which I cannot account for after taking into the balances at death, plus interest accrued, additional income and minus all…
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What's going on with Agile prices??
Hi I've noticed that in addition to the 63p a day standing charge, the prices for the whole day on agile have been significantly higher the the price cap for going on at least a week, highest price today was 50p/kwh with the potential to hit a £1/kwh, not only that the peaks are getting longer. Obvs i expect higher prices…
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I have received CLAIM FORM for Charge Notice at Bristol Leigh Woods
Hi money saving expert. I am here as I have received CLAIM FORM for Charge Notice at Bristol Leigh Woods from Civil National Business Centre". Whilst looking for help and trying not to panic I read a thread on here that had a positive outcome to a claim at the same place with a similar letter. Please note I have already…
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Do I want a TFLS?
Still trying to sort one of my work pensions and am currently trying to get an annuity. So obviously if I take the 25%TFLS my annuity would be less. And I'd have this nice lump added to my (ok, our) savings account. Don't take the TFLS and the annuity would be more. All that makes sense. I (well I should say we as I've…
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DMP or Not?? Confused
Hello, I’m looking for some advice and thoughts from people in this great community….apologies in advance for lengthy post! For several years I’ve suffered with an intense gambling addiction (I’m dealing with this through professional help), after hitting rock bottom a few months ago and feeling like I have nowhere else to…
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Do i fix. Im so confused
Im looking for a little help with the energy bills. I keep seeing things about fixing but didnt take a whole lot of notice thinking i was on one but im not. I with UW and youswitch is bringing me up something slightly cheeper with Fuse on a fix but ive never heardof them and being told to avoid small suppliers. What do i…
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Another simple delivery price change?
Anyone else noticed this? List a large letter/<1kg item at (seller receives) £100.00 and postage is £2.70. List it at £100.01 or more and the postage jumps up to £3.42 That presumably corresponds to the royal mail compensation limit of £100 for tracked 48 so I guess ebay are taking some extra for 'insurance' themselves.…
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transfer of inherited property
Hallo, My dad died in December and left his flat to me and my 2 siblings. It's worth about £140k. We intend to sell it. We just got probate so I have looked into notifying the Land Registry of the need to change ownership to us as beneficiaries which I assume is a pre-requisite to being able to sell it. I have already done…
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Active line switch from Sky to Virgin
I'm in the process of switching my broadband provider from Sky to Virgin. When completing the online order with Virgin they gave me the option of them telling my current provider (Sky)about the switch. In terms of accurate billing as Virgin run a seperate connection to the Openreach network how will Sky know when my…
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Changes to ISAs
Hi. I have £40k in an ISA and the interest rate has dropped recently, so I would like to move it. I believe there are changes coming in April as to how much you can add to an ISA (depending on age), is that correct? I was wondering if I moved £20k now to a better rate account, and then another £20k before the deadline,…
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Wife left, Ordered to sell up, Neighbour wants me to split cost of fence
my neighbour spoke to me a year ago about possibly splitting the cost of a fence in the back yard. He mentioned they’d always just gone 50/50 with the neighbours for fences and walls as the deeds don’t make it clear who is responsible. Looking out at the yard this fence is on the right. I didn’t confirm i would agree to it…
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Pension lump sum and benefits
Does anyone have a good source of information in regard to accessing DC pension pots when on state benefits, before state pension age. Specifically I am endeavouring to identify, under current legislation, the impact on NS ESA and UC if, for example, a £20K lump sum is withdrawn from a DC pot, and the whole net amount…
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Understanding streamlit with ILGs
Put me right here please. Using the Streamlit tool, For ordinary gilts, 100K withdrawal in a ladder for 5 years would cost 445K. I understand the cash flow calcs. That is fine. For ILGs it costs 510K. Cash flow calcs do say that values are in today's money, so am I right to believe that what I would actually receive going…
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Advice Needed Please.
My husband died a few months ago and because I can no longer aford the rent on my own, I started looking for somewhere new to rent. I thought It would take months and my tenancy agreement doesn't end until July. However within a couple of months a council near where my son lives offered me a brand new flat. Obviously, I…
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Right to return flat-pack furniture that has been built
I bought a table from Next online, which came flat-packed. Having assembled it, I'm not happy with it and wish to return it. It's not faulty. I spoke to their customer support via webchat and was informed their refund policy has an exception for this: Please note large furniture items cannot be returned if they have been…
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Quilter Platform unavailable?
Hi, I just wondered if any other Quilter platform users where able to access the platform at the moment? Despite not finding ANY indication that the platform is down for maintenance, it appears to be unavailable. The URL I'm presented with when navigating through the Quilter home page to login is:…
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The AI Pension Advisers are here
https://www.ft.com/content/a16bbdf4-a8c9-4fb2-b61e-e83bb5bfa11b Interesting article in today's weekend FT about the use of AI chatbots such as ChatGPT as virtual AI financial retirement advisors. Just wondered what proportion of IFAs on this forum include the use AI as one of their planning tools?
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SIPP upper limit
So I contribute towards both a civil service scheme and also a SIPP. I know that the limit for the SIPP is £60k or my annual salary, whichever is higher. My question is whether I also need to take into consideration my contribution to the civil service scheme in the £60k. Do I need to include this (yes/no)? If I do need to…
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Cash ISA predictions 26/27
Does anyone know when info about cash ISA rates will be available please and where to find it please?
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Help understanding how ISA accounts transfer across financial years?
Sorry if this is a really silly question but I’ve read ISA rules on various sites and I’m still not clear on this. I have a cash ISA account for the current tax year 25/26 and I’ve had notification it will mature soon so I should consider transferring it. I have about £12000 in it and want to put a bit more into it before…
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Transit Through Dubai
Having read the MSE article and the various comments on here I'm still confused about connecting flights through Dubai. We are booked on a package (flights and a tour) to Asia in a few weeks time, travelling from the UK and connecting in Dubai. We haven't heard from the tour operator yet (they're probably busy with earlier…
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Contact from Moorcroft Before Default
Hi, My Aqua CC debt has been passed onto Mooorcroft for collection, but the letter states that Aqua have not yet registered a default and may not if I can offer a suitable payment plan. At this point my plan is still to wait for all debts to default and ignore anything before that happens, should I still continue this now…
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Car hire USA including extra insurance charges
I am very confused. I have booked a car in California for 3 days. £117 on Booking.com then £30 for extra driver (The Boss or Wife as she is known) then £30 excess cover insurance, as advised by MSE However, I know I need Supplementary Liability Insurance, but its a black hole. The car hire firm is AVIS and on their website…
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Why eBay charges VAT to my buyers, even abroad?
As the title implies, for a few years now, eBay charges VAT to anything I sell, even if it is a pair of second hand socks. I was under the impression that VAT only applied to new goods, or maybe to businesses, but I've checked and is charged no matter you are a private or self employed seller. What is more amusing, is that…
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McCloud Remedy
I don't know if anyone can help here, but I'm about to make the decision about which option to choose. But I can't get an answer to what to my mind should seem a simple question. Circumstances: 1 Retired and receiving Civil Service Pension since early 2018 2 Options offered on RSS: (a) No change to benefits - everything in…
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Cahoot down?
Anyone having problems logging into Cahoot? I can't get in on my laptop nor my phone.
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Hildebrand Glow Display and CAD
Anyone got one the Glow Display CAD/IHDs fro Hildebrand/Glowmarkt? I'm with Octopus and have one if their home mini devices that doesn't connect and Octopus are not exactly going out of their way to fix it replace it so I was thinking of getting this one as I'd like to have near real time access to usage data on my phone.
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saye shares & CGT
Hi, I'm retired but have a sizeable amount of money in shares, saye shares through my employer long time ago. I have know wish to do anything other than cash them. My question is; do I still have to let HMRC know through self assessment if I sell shares with CGT below the £3000 limit? Is it only if CGT exceeds £3000 you…
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Calculating historic unused allowance with NHS pension
Hi All, I'd like to put some money into a SIPP using my unused allowance from previous years. Can anyone direct me to a guide for how to do this? I have (after much faffing) got hold of my pension savings statement from NHSBSA but I am unsure how to use these figures. Thanks in advance, Thomas
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UC & Personal Injury Payment
Follow-on from this thread as wanted a better title https://forums.moneysavingexpert.com/discussion/6645427/uc-interest Quick back story my friend (M) and I were injured in a car crash, M was driving, 100% the other parties fault. M was offered and accepted a Part 36 (well over £16k) and now has the payout (so far I've not…
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How to get cash into current account?
We are buying a house for cash with the money sitting in various savings accounts, all sitting individually under the FSCS limit. In order to buy the house we will first have to transfer the money to our current account resulting in it being temporarily significantly over the FSCS protection limit. We are talking over £1…
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Nothing important
Thank you all
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Kitchen makeover / replacement
Our kitchen is looking tired. We are considering three options: Re-fiinishing / repairing / spraying the existing units Replacement doors / drawer fronts Replacing the kitchen entirely but retaining the existing layout We have well established local firms in mind for all three options. Which is the most MSE solution in…
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Loveholidays Package - Wife and disabled daughter stuck in Sri Lanka
Hi everyone. I’m looking for some urgent help or advice on how to deal with LoveHolidays. My wife and 14-year-old daughter are currently stranded in Sri Lanka and I am at my wits' end trying to get them home safely. My daughter has cerebral palsy and this was meant to be a 10-day trip (26th Feb to 6th March). Things…
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help me do a will
Hello Hope you are all well. How do you go about finding solicitor to write will and do POA I realise its free will writing month but happy to pay. We want mirror wills and POA sorting and we want to keep the wills at home. Is there an association that we can check for a local accredited one? I did a quick search on MSE…
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Travel Insurance - Cancellation only without the medical treatment!
We're booking a holiday on the Isle of Wight, and we live in Birmingham. The quotes I am getting are disproportionate to the amount we are spending - all we need is cancellation insurance for a ferry crossing and our accomodation, but all the quotes I can get include insurance for medical and repatriation costs which,…
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Natural yield vs. total return
Heading into retirement I tweaked my portfolio late last year so most of our income needs come from yield on savings, bond funds and equity funds. I recently watched a YouTube video by James Shack (aka the man in the kitchen) who said it makes no difference whether you go for natural yield or total return because, when an…