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NASDAQ rule changes....
So NASDAQ have taken away their 6 month / 1 year delay on newly listed companies being squeezed into our pension funds. Which means any new company taking a huge hit in the first year comes out of penson funds. Just wondering, how much is the VLS60 affected? I naively think that FTSE isn't exposed, except through a knock…
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Carbase Issue
Hi, Looking for some advice regarding my car purchase from Carbase Weston and the service after So bought a Hyundai Tuscon in February and the Carbase Car Club Membership. Car had short MOT, but as the car is supposed to go through RAC Checks before sale I assumed any issue would have been picked up So onto the MOT at my…
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MSE News: Smart meter problems? You could be automatically compensated under new rules
If you're having issues with your smart meter or its installation, you'll be eligible for automatic compensation from 23 February, the energy regulator has confirmed today (Friday 30 January). But this won't yet be payable if your meter's gone 'dumb' and doesn't send readings to your supplier… Read the full story:…
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Advice on device output and sound please
Hi all. We have a DAB radio but the speaker doesn't give us very good sound. I'm looking at getting something better but before I do, I'm just wondering whether it's worth getting some small speakers with better sound to plug into the headphone jack. Would that work or is it more dependent on the output? In the event of…
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Shopmium 2 Accounts only 1 device
Hi All My OH and I have one smartphone between us and have each opened a Shopmium shopping cashback account. I have been claiming my cashback via the app no problem at all. When he tries to claim we get a message saying already claimed on this device. Which is correct but it's a different person and account. Is there a way…
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What age did you pay off mortgage ?
Just wondering when people become mortgage free. I’m 54 and have several BTL mortgages, but it’s the one on my main dwelling that I’m referring to. Unless I have an unexpected windfall, I think it’ll take another ten years. I was within 30 grand of paying it off nine years ago, but then we moved and upped the loan…
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15% Piglets Pantry discount
https://www.pigletspantry.co.uk/fathersday/
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Standard life staff pension CETV
I am looking for any help that someone might be able to give on standard life staff pensions. My ex partner was employed by standard life circa 2006. Does anyone have any idea how the CETV value for the pension is sent out as what I’ve been sent through the solicitor doesn’t like anything like mine from my employer. The…
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Cash buffer dilemma
afternoon all , #i have often read that on retirement you should have a cash buffer within your "portfolio" so can ride out any market crash when you may need to access cash instead for say, 2 years. My query is as follows.. My wife has just retired her overall pot came to £400k (albeit high share prices at moment), it is…
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Plan 55
Howdy all! We've recently moved to our forever home and we are determined to be mortgage free by my 55th birthday (September 2033). We've got a fair bit to play with monthly and will be adopting overpayments and maybe savings accounts? We're using all of the cashback and survey sites going! :) I am loving reading…
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Clubcard Challenges
Anyone else doing these? Currently I qualify for 600 points or £6 in vouchers. If I spend £44 on certain items in the next two weeks, this increases to 2950 points or £29.50 in vouchers. As I have two easyJet holidays to pay for this means I get £59 off. I'm sure I could get even more. I haven't actually bought anything I…
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Giving every £ a job
I've decided to be brave and continue my journey from lurking on these boards, through posting on these boards and I now feel ready to start my own diary. I don't actually have any debt anymore but I am very bad at saving so I've decided to set myself savings goals and treat them as debts to my future self. I was…
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AVC help
just after some advice. I have a part time job and a pension which push me into the high rate tax bracket. The 40% tax is taken from my pension. I am on a BR tax code for my part time job. I took out an AVC a couple of years ago to reduce my tax which comes out of my pay obviously. I therefore get the 20% tax relief on the…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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Retrospective Valuation for CGT
I'm a non resident landlord and if I sell the property (the only property I own) that I once lived in, then since 2015 CGT is now chargeable, before there was no CGT. Since this law change non resident landlords are able to base gains on the market value on 6 April 2015 when the law changed. I don't need it at the moment I…
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Property Litigation Solicitor for lease forfeiture & FTT
Hi everyone, I’m in a bit of a nightmare situation and need recommendations for a really good Property Litigation Solicitor. I need someone who knows exactly what they are doing with leasehold disputes, setting aside default CCJs (due to defective service), and taking freeholders to the First-tier Tribunal (FTT). legal…
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I followed timing on 'Controlled Zone' sign but not consistent with Parking Permit sign
Yesterday (Saturday 18:33) I received a Penalty Charge Notice from City of Westiminster. I was delivering donated food from friends and family to the women's hostel. I saw the Controlled Zone sign saying Monday-Friday 8:30am-6:30pm so I became relaxed about parking my car there. But I didn't realise there was another sign…
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Balance Transfer Offers Disappeared
Hi all. I have several credit cards, and use balance transfers to avoid paying interest. I always pay payments on time, and have never missed one. Between all the cards, my credit limit is just short of £60,000 (I'm not using this full amount, and actually had almost zero debt a couple of years ago.) I consistently had…
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Do I really need a private mortgage advisor?
Hello! My mum and I live together and are downsizing after the end of her marriage. My plan is to buy into 25% of the new property, she will buy 75% with the sale of the house. I want to get a small mortgage of £30k to help purchase my quarter. From what I understand I can't get the mortgage alone? Because I'm a first time…
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Switching broadband
Previously with BT for years then forced to EE a couple of years ago. Contract is expiring very soon and I am thinking of switching as EE is expensive. I have full fibre 150 speed which is ok for me as I am elderly widow not using loads of gadgets. Spoke to EE who offered me £1 per month cheaper than I pay now but I could…
