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Property survivorship (or not) in Scotland
I'm getting information together to rewrite my will, spouse is also rewriting his will. Last time we looked into rewriting our wills (but didn't go ahead) we were in our old house, which definitely had a survivorship destination. I just looked at the documents for our current house and it looks like it doesn't. 1. Can I…
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Employer Shares & Leaving
Morning everyone Wonder if you can help with my issue - later this year I’ll leave my job where I have previously purchased shares (this is not currently a listed company but has partial employee ownership due to size). The shares were purchased in their 2023 ISO. I’m told that these cannot be retained as I’ll no longer be…
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Loft insulation, half boarding out and loft ladder fitting
I am really struggling to get quotes for this. I have contacted so many people and only obtained 3 quotes. Small 3 bed semi in the south east. Current insulation about 50mm, I would like this topped up and around half the loft boarded, so I can store things and a loft ladder installed so I can access the space properly.…
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Admiral charging extra for Direct Debit because of loan from Admiral
I have received a renewal request for my car insurance. I usually pay it off in one lump sum, but I decided to look at the monthly direct debit option to spread the cost. Now I do know that DD are usually higher as it would cost the company slightly more money, so they process monthly payments rather than a one-time…
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Wifi mesh
Hi,Hoping to pick a few wise brains please.Background: We've moved into a 250-year-old 5-storey townhouse that's tall and thin separated across the middle by a thick wall.We just had Plusnet installed ( Wifi 5 Hub 2 ) with full fibre planned for our street sometime next year.It comes in via the back into the phone socket…
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Putting a Property into a Trust when the Estate Value is Way Below IHT Threshold
I'd imagine this isn't a great idea but I have been advised to put my mother's property (where I've lived for many years, and intend to stay there long-term) into a Trust, using a Section 102(B) gift. The property is worth £400k and the total estate value is well below £600k so I cannot see the advantage of placing it in a…
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Radiator take off
What kind of price would you think is reasonable for a plumber to take off a radiator and then come back at a later date to put it back on (for decorating purposes)?
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Building regulations for suspended floor insulation
So firstly I know there are a couple of tangents here....one is that the only definitive answer I can get is from my local Building Control office. Unfortunately there is no way of phoning them to have a quick chat - they want queries submitted online with details and photos etc. The second tangent is that if I got…
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Buying a "new" Car...CC advice please
Originally, I was simply going to use savings and pay off instantly. However, I am thinking of getting a 0% interest CC, and paying it off monthly? Would I get accepted for £7000, income of £85k? I have all the money in place but I also wonder if there are any CC that give a little cashback alongside 0% - if anyone has any…
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Tariff issues - E-On Next
Just wondering if anyone else is with E-On Next and trying to swap to a new tariff with them? Ours is due for renewal in 2 days, so I arranged a swap to a new tariff over a month ago. Since then all I’ve had is repeated emails prompting me to swap tariff, and yet another one this morning - my account shows my new tariff as…
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What to do with lawn borders?
Hi all My smallish garden is a work in progress. After moving in, I've grown a decent lawn on clay soil from seed, and sown wildflowers along my bottom border. The left border is empty and covered up with a tarp, the right border needs weeding. I have a handful of plants and some bulbs to put in, but apart from that I…
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YNAB robber needs help to execute the plan
Right, I am going to finally start a diary on here. I am being supported financially by my OH to allow me to help my sister care for my 90 year old father. I have an expensive event in Feb that I need to save for. I have been using YNAB since Feb so I have an accurate record of my spending for 6 months. It's not pretty. I…
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Is it fair to leave my house and money only to my granddaughter as my son has fallen out with me.
My son has fallen out with me years ago but his daughter carried on visiting and helps quite a lot. I need to sort my will out and have been delaying it as my dilemma is should I leave my house and money to my granddaughter only or should I give something to my son who doesn’t want to know me.
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German trading platform
I use Hargreaves Lansdowne to trade as it is safe so I know my money is safe with them. They offer a large choice of funds to invest in and to trade, particularly ETF. My cousin says she want to invest in ETF as well but she lives in Germany so on the off chance, does anyone know of a similar platform to Hargreaves…
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What size of water butt do I buy?
Am going to replace two apex sheds, with two pent sheds, one is 10 x 8 and the other is 16 x 8. Am planning on putting guttering on them do I can collect water in a butt. Having never had one before I have no idea what size I need? Given the size of the sheds, are 100 litre and 210 litre water butts too small in proportion…
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Photo restoration
I have a shed load of old photos that I am trying to recover....Black and White / creased etcI found one site (https://unblurimage.ai/old-photo-restoration/) that works brilliantly - when you select PRO - it uses AI to produce incredible images.There's no logon needed. The downside is that you are limited to 5 per day -…
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Too old to buy?
I am 38 years old, will be 39 years old. I have around 30k in savings. House prices where I live are mental. I live in Hertfordshire and it is a commutable distance to London. I will be buying by…
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Car insurance advice please
Hi, my son has been a named driver on my car insurance for three years with no claims. He's taking out his own insurance on his own car now. He drives a van at work and has bumped the wing mirror (paid work to fix it) and paid work for scratches too. Don't think work made insurance claims but not sure. Does he legally have…
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Merged: Inherited Drawdown Pension
This discussion has been merged.
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Best provider for inherited pension
Am able to transfer my late husband's pension (approx £110k) Options given to me by the current provider are 1. Take all as cash 2. Buy a guaranteed income 3. Transfer to another provider 4. Take a flexible income As he was under 75, I receive it tax free. I am 44. Provider is L&G atm. No idea what the current fees are.…
