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Can you run an all electric house for free?
A little over a year ago I was paying £110 / month for electricity, which doesn't sound alot for a 3 bed semi family of 5, but i had already invested in quite a few ways to cut the annual cost. I had a large solar array already installed and a large battery bank taking charge from the solar to reduce annual costs as much…
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Refund onto card
I lent someone some cash and they paid my council tax bill with their credit card in lieu of paying back the loan. I'm due a refund from for the council tax. Does it have to be repaid onto the same card?
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Any experience of Ali-Express?
Hi, just wondered if anyone here has had any experience with Ali-Express? Some items there for good prices but I am concerned about returing if shoddy or outright faulty, do I have to pay the pstage n returning faulty items?
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HMRC on Doorstep
Heya, Not like this wasn't inevitable. I have just missed an in-person visit from the HMRC - she dropped a letter saying she will come back to discuss how I am going to pay in full. Obviously I can't do this as I need to go bankrupt - was hoping it would be them making me bankrupt or IVA company. It says if I don't pay…
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MSE Lebara sim only deal
I want to sign up a lebara sim only deal with my existing number. but there is no options for inputting my number during the sign up procedure. i contacted lebara customer service. I was told that these sim only deals are for new numbers only. can not be sign to a existing number. even after the sign up. number can not be…
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Apple / Barclays loan
Hi - I recently applied for the interest free loan for a new iPhone on the Barclays / Apple offer but was declined, I have a good credit rating, no debts, or missed payments. I have been in same job and lived in same property for last 6 years so I don’t know why I was declined. I spoke to both Barclays and Experian to see…
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Clarification needed on 90 day SAYE shares to ISA transfer.
Hi all. I am aware that on maturity of my SAYE scheme I am able to transfer some shares directly to my ISA, however cannot find any definative answer as to how the transfer value is determined. The HMRC guidance page explains that the shares must be transferred within 90 days and will count towards my annual £20K limit,…
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Ditching gas, going electric immersion only, a wee project
I think this fits within the green and ethical section of MSE. This is an ongoing project to replace my gas combi boiler with water tanks heated by immersion. (Hopefully finished In next couple of weeks) A common question would be why not use a heat pump, and there are two reasons for this. 1. It would have to run all day,…
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Welcome Financial Services/Cattles
Hi I worked for Welcome Financial Services (Cattles) from 2007 to 2010 and am trying to find details of any workplace pension I had. I've tried all the usual tracing services but no luck so wondered if anyone might have any info? thanks!
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MSE Forum Poll: How often do you use a second device while watching TV?
Entertainment! Entertainment everywhere! We're truly living in the miracle age of consuming content. From our telly faves, blockbuster movies and entire series available to stream on demand. But our smaller screens are also fighting for our attention, with constant pings and notifications from friends and from around the…
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Micro Entity Ltd Company accounts filing - HMRC / Companies House
I've spent the last 2 days going round in circles / 8 calls to HMRC and their only suggestion is to write in to them.... We are a small micro entity company looking to submit our own accounts (accountancy trained). The accounts are all done - they just need sumbmitted. However, going forward we thought it would save time…
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25% Tax Free, DB crystallised and Transitional tax free Certs, 2016 Protection
Appreciate I might need formal advice on this but at this stage Im trying to establish if I do. Im lucky/worked hard successful career, invested wisely in SIPP as well as have DB pensions started 10 years ago. Took out Fixed Protection 2016 in 2018 given growth in value of invested funds in SIPP. Started taking benefits…
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Fidelity expecting a rush on TFC payments?
Spotted this on the Fidelity website: I wonder whether other SIPP providers will do something similar?
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Not inside the lines
I've recently received an invoice from UKPC demanding a ransom for parking over the lines in a free car park. It includes a photo showing that the driver was indeed over the line alongside their bay, which was apparently because the car in the bay alongside was similarly parked and so the driver of my car had to park…
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Best toilet seat!
I would love to hear your recommendations for good quality toilet seats! I bought one a year ago that has been terrible. The "wood" has corrupted and the fittings have gone rusty. Can anyone recommend a trusted brand? TIA
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Airtime Rewards – get money off your phone bill via minimal effort cashback app
Have you tried Airtime Rewards, the cashback app that links to your payment card? MSE first wrote about it back in 2019 when it was relatively new. With phone bills rising for many, MSE Laura B has revisited the topic. You can read the guide here: Airtime Rewards: Get money off your phone bill via minimal effort cashback…
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National insurance Gaps v pension received at retirement age
I have used the forecaster which shows I have 4 Ni gaps as I stopped working, I was looking to make up these gaps. However I have another 5 years before the state pension age does this mean I have pay these 5 years to keep my pension at its maximum or by not paying would the weekly amount start to reduce even though i have…
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Firm wants to ask Government to pay redundancy can I object?
Hello, not me but a friend is currently on "garden leave" having been made redundant. She has worked there for 8 years. Anyway about a month into it and her old boss has emailed saying they have applied to the government for this to be paid by the government directly. The firm is not in receivership (it might be headed…
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US Estate Tax on US listed Shares on death?
Can anyone comment on the US/UK tax situation when a UK resident dies with a holding of US (NASDAQ) listed shares? I see that US Estate tax may be due if the assets are worth more.than $60k. But I have also seen some discussion that a double taxation treaty may apply?
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Cashback on Gift Cards?
I have a Santander Edge Current Account and get 1% cashback at supermarkets. I give my daughter £100 cash a week to help her pay her bills which she spends mainly in Asda. If I bought a £100 gift card along with milk and bread in Asda, would I get 1% cashback for the Asda shop of £102.85 or just on £2.85?
