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Can I choose not to claim trading allowance to push profits over NI threshold?
Sole trader. Am I understanding this right? Profit above £6,845, don't have to pay NI but it is treated as a qualifying year. Profit below £6,845, no qualifying year unless you pay voluntary class 2. I'm hoping to reach a turnover of £6,485 by the end of this tax year, but I doubt I'll be able to get it much higher. I…
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How to approach aunt about potentially appointing a power of attorney
Long story but would be great for any advice. My aunt (uncle was blood relative) is 85 and lives alone. My mum, myself and my two sisters are close to aunt and always have been and go visit as often as we can but always at least once a week. Aunt has remaining blood relatives who don't bother to visit (live abroad or very…
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One Protect charges, unable to cancel policy until they set up there end, big charge
Just took car insurance which i need for tomorrow, once you have paid an email confirmation tells you that you are not insured until you upload docs, however it will take them 24 hours to set up, therefore have no insurance cover the next day!! Unable to contact even by the bot, enormous cancellation charge of £75, unfair,…
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Pinecone Research
Not sure if this is the goth forum to drop this in, but I was reading on MSE earlier about the research company Pinecone. Anyway, I've just managed to sign up using the link at the following address: http://www.surveypolice.com/pinecone-research Apparently, their membership is a bit hard to find, and you can't apply…
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How do I remove the shower drainage plug? (Resolved)
Hi 💐 Sorry, this is gag inducing post. It took me a few weeks to get the courage to ask but I really need help 😖 I'm trying to clean the shower drain (the thing in the picture), and I can't find a way to pull it out. I ended up breaking it, as you can see on the right side 😩. First, I don't know what the inner round piece…
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Is II a no brainer
Hi I am gearing up to drawdown. I have SIPPS with Aviva and HL. Both have been easy use platforms BUT Aviva Annual fee £875 HL £1125 (+ £450 for spouse small pot) II £156pa on any size pot. (figures from Which) So where's the catch?
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Scantronic 9651 house alarm - engineer code
Afternoon all. Im after some help after fitting a new back up battery to my alarm system - which is now holding an inactive tamper alert Key pad - Scantronic 9651 - unsure of model of main unit. It has no obvious stickers or anything on it. Ill include photos to see if it helps. I installed new battery which cleared the…
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Any chance of HSBC fixed rate drop before end of 2025?
Hi all, I'm just coming out of a 5 year fix with HSBC at 1.59% - which ends on 31st December. I'm sticking with them and going with a 2 year fix. The rate is currently 3.99% (no fee) and I doubt it will drop further before I need to lock in, right? Should I just go do it now, or is it worth waiting a few more days?
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Is a flat in a 4 storey building considered a high rise?
I'm in the process of remortgaging a Help To Buy leasehold flat. We've got a decent mortgage offer from our mortgage advisor and we decided to save time to go with the solicitor firm recommended by our mortgage advisor. Fee was around £800. However, when we sent specific details of our flat to our recommended solicitor…
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Word: Issue where Word keeps saying to 'Save' even though have just saved it
Hi I'm having an issue with Word at work, when I save a document and then after saving on attempting to close it, it then comes up with the message box "Want to save your changes to 'document name?'", as though I am closing it WITHOUT saving it. If I then open the document, it has clearly been saved, but the message is…
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HMRC estimated untaxed interest
This seemed the most appropriate forum to ask this. I received a letter today from HMRC saying that I had underpaid tax & owed about £1600 which they would collect over the next year. This has arisen based on their estimated amount of untaxed interest on about £3k. I pay income tax by PAYE & have no high earning…
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Selling certificated shares
I've got a shareholding I want to sell (worth about £7.5K), and I have paper certificates. The registrar's fees (Link Asset Services) are, natch, rapacious. I used to have a Jarvis X-O account, so I now have a ii account costing me nothing to run (until January?). Is it worth looking for somewhere else to do this trade, or…
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SIP Parking PCN for a misleading parking ticket sign
Temporarily removing this post until a later date when this is settled.
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Coolant flushes & leak stops
Had a pretty decent idea on how to do a coolant flush, which I need to do on my car but chose to watch a Chris Fix YouTube video beforehand to just check & refresh myself. I was pretty much right except at the end of the video the guy puts in some anti rust solution. I Googled it & since I'm going to be using Wynns rad…
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What Should I Do?
Hi! I'm at a crossroads, and not sure what to do for the best. I'm 45 I work full time I rent, and don't own any property. I'm paying 5% of my income into a workplace pension, but I've only been doing this since 2017 and the balance is £14k - obviously nowhere near enough to live on continuing at that rate even with…
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TV License
Moved house Nov 2023. Got a letter from TV Licensing today 28 June 25 asking me if I needed a TV licence. I haven't had a license for about 4 years and told them every year at my old address. However when I go to the form to tell them I don't want a license it asks me to put in a future date ie when someone will be living…
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Has anyone actually been taken to Court by TM Legal or had them threaten to on Statute barred debt
I have learned a lot from this forum so thanks to all. This time I seem to be experiencing a similar issue to others of Statute Barred debts being bought up, At first it was an old MBNA debt that became Statute barred ages ago, I means 15 years maybe It seems the cycle for each debt is as follows MBNA (replace as…
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Gifts from Income
Hi My mum passed away recently and as executor I'm completing the IHT400 form in order to claim her RNRB, her NRB and the transferable NRB and the RNRB from my Dad who predeceased her. Total estate value can therefore be £1 million before we owe IHT. I'm stuck on the gifts from income bit - IHT403 - my Mum gave my sibling…
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Tesco Mobile pay-as-you-go customer? Be prepared: it may push you to buy a bundle
Tesco Mobile is pushing its pay-as-you-go (PAYG) users to move to its new bundles. Failure to do so means paying for Tesco Mobile's standard PAYG rates, which it's hiked by up to 213%. If you're one of the 1.4 million users affected, it's worth looking at switching to a cheap monthly Sim instead – unless you just keep your…
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Is a taste card worth it?
Recently got an ad for tastecard. I had one years ago, but wondering if anyone has recently purchased/used one and if its worth the monthly £7.99 a month? Me and my kids eat out a lot but unsure whether I would use it.
