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Hargreaves Lansdown Acceptable Use Policy
Please may I ask for opinions regarding Hargreaves Lansdown new Acceptable Use Policy (bottom right of https://www.hl.co.uk/terms-and-conditions). I think clause 3.1 (especially 3.1.1 & 3.1.3) appear to define 'Acceptable Use' as "anything HL considers acceptable", which I find to be extremely unhelpful. Surely they can do…
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Paying income tax on company shares - not liable for CGT?
Hi, The company I work for has given me free shares a couple of times over the years. Not paid a penny for them. The company has now been acquired, and I will be receiving £14,220 in my next payslip. The company has told me that "Because of the nature of the option scheme, it has to be taxed as income through payroll,…
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Vodafone price higher than on price comparison sites
All price comparison sites include MSE state that the Vodafone 500 mbps full fibre deal is £27 a month for the first year, however when I actually want to sign up it's suddenly £31 a month. Does anyone know why? Am I missing some hidden £4 discount?
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Conservatory heating
Can anyone advise the best heating for a large (5m x4m) conservatory. We had a Dimplex heater ( rest of house is gas) which was completely removed by a tenant when the house was rented previously. T
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Logging into bank account every day?
Will logging into a bank account every day to check the balance throw up any red flags?
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Receiving income insurance, disabled and wondering about tax
Hi all - my first post here, so hoping it is in the right place. I've been signed off long term sick, and receiving income insurance from Zurich at 67% of my original salary. I am registered disabled, and have claimed what I believe I can in terms of benefits (such as PIP, blue badge etc). I was wondering if anyone knows…
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iPhone 14 Pro 256GB Advice Needed on Reseller Grading
I'm looking to trade in my current iPhone 14 Pro 256GB (unlocked) and could really use some advice on which reseller to go with. Phone Details: * iPhone 14 Pro 256GB, unlocked * Battery health: 82% (as shown in Settings) * Charge cycles: approximately 560 (checked using iOS Shortcuts) * Owned since: January 2023 *…
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New build - how do I pick best tariff/SEG
Hi folks, I'm hoping for some advice, please excuse my lack of knowledge in this area. I moved into a new build house in May and the builder put me with British Gas and now I'm settled I need to find the best tariff. The builders fitted 8 solar panels. I'm in Newcastle, the house isn't ideally situated to catch the sun and…
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Uber Eats delivery drivers and tax
Hi, I want to check my understanding of the position is correct. My 21 year old son and his friend have minimum wage PAYE jobs but aren't getting enough shifts. So both have signed up with UE. I thought I'd check the tax situation as both are pretty naive when it comes to finances and thought either no tax or UE or HMRC…
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Best Method to Transfer US $60k into UK Bank Account?
My wife and I are currently in the US due to death of a close family member. My wife is a beneficiary of a life insurance policy and it looks like she will receive approx $60k. What would be the best / most efficient method of transferring this amount of dollars into a UK Lloyds bank account? Should she be requesting the…
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ISA Savings account interest - Tax Return declaration required?
I was filling out the tax return, but could not find any option to declare the Interest earned from Cash ISA account? is it not required?
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How can I change hotels without too much cost?
Booked Royal Atlantis Icon in April this year for September costing £1916 for 2 adults and after realising the advertised picture was AI generated I joined a Facebook group to follow the progress of the hotel. There has been lots of problems with the hotel and found this out through the Facebook group, issues have ranged…
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Credit score confusion
Hi, I'm very very new to all things related to credit. Up to now I've only ever used a debit card, and I've been told by my family that I shouldn't get a credit card. However I'm aware that having a good credit score will help me to get a loan for a house in the future (in the UK). The problem is when I try to check if I…
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Business account for small residents company.
I am the current director of a very small limited company, we own some shared land and car parking area for 7 households, Our income from each household is £125 a year, this covers adding a bit to our slush fund and covers yearly grass cutting and company registration fees, not much else. We used to bank with LLoyds and…
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Top cashback - uSwitch and referral code
Hi Probably not an option but just thought I would ask the question. Has anyone tried switching energy using uSwitch through Topcashback and then also using a referral code. Is the code always an URL link? Cheers
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Correct Placement of P-Trap (Now Solved)
Good afternoon folks, I wonder if anybody could advise where the correct placement and size/type of P-Trap I need under my kitchen sink. The kitchen has been installed over 3 years and we’ve always had the faint smell of sewer gas and I’ve finally decided to do something about it but I’m clueless as to what I need and…
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Stamp Duty Question
My step father currently lives in a property alone and has done since my mother passed away several years ago. He has since met a new partner and is looking to move in with her next year. My two step sisters, brother and I are tenants in common on the property along with my step father. The plan being that when my step…
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Clarification of Newbie Thread
Hello, My wife finds herself in receipt of a LOC from DCB Legal on behalf of Smart Parking Ltd concerning an alleged breach of contract in 2021. It seems to have taken them several years to track down our address and we were never in receipt of letters from Smart Parking themselves providing a chance to appeal or explain.…
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Is it allowed to ask for a social media friend?
I don't see anything in the various rules posts preventing me doing so but before I ask, is it OK to ask if anyone would offer to be a friend on a given social media (especially less popular ones) platform? I don't want to contravene any rules or etiquette. Thanks.
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Lebara - What counts as a new customer?
Hello, I am looking to move from Virgin to Lebara, for 2 reasons: 1. The greed in their price hike and I am days away from the end of my 12 month contract. 2. I want to stay with Vodafone network. I was previously with Lebara 12 months ago. My question is, if I move over does anyone know if I will still be regarded as a…
