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Need some advice
Hi everyone, I need some advice regarding opening a business. I have never opened or done business and neither has anyone in my family so I thought this would be a good place to ask. My friends and I (there are 3 of us) are looking to open a children's residential care home in London. We are each investing an equal amount…
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10 years to go .... maybe, with a fair wind
Hi, I've been lurking on here for years, but finally decided I should post a diary - more for my own sake than anyone else's!! So a little about me and my house ... I'm a 40 year old single mum with a lively 7 year old son. We live in a fairly ordinary terraced house on the edge of a large northern city, just a close walk…
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Could I fix this myself?
I have just scraped the plastic front wing of my Toyota. It is scratched, there are not deep gouges. What is the chance of fixing this myself if I get some spray paint and a polishing bonnet? Any tips would be welcome
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Self Assessment - total income
Just submitted my 2025/6 self-assessment. I noted that my personal pension gross amount is shown in the HMRC calculation which takes me over the £35k threshold for total income (and hence questions about heating allowance claw back). I expected my total income to include what I actually received from my person pension i.e.…
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BT Synergy phone won't charge batteries
I've got two setups, each with quad set of BT Synergy 6500 cordless phones, they'll all be well over 10 years old now. During the past 2 years, they've been dying, one by one, so I only have 3 working ones left now. Typically, a handset will show 'low batt' warning after only a few minutes' use, so I install new batteries…
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Tembo Money Cash ISA Advice
I'm thinking of opening an ISA for this year's tax year with them. Looks to be unlimited withdrawals but not flexible. Is this similar to Moneybox in how it works? All online and transfers electronically? Have there been any issues transferring from Tembo to another provider? Thanks
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Attention Deficit Debt Free Wannabe
I've decided to start a diary after reading through other peoples and being inspired and receiving some great advice 😀 I won't rehash what's already been posted. My original SOA and questions: Today is mothers day, so plan today is visit mother with DS and drop off cards and present, a box of Ferrero Rocher, paid for out…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and investments.…
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Trace and Access insurance confusion
Hi there, I'm hoping for some help on how to navigate this issue with my buildings insurance. Long story short, my boiler is losing pressure, immediately once the central heating is switched on. 2 Plumbers have been out, at my cost, and both have suggested a leak, downstairs, under the flooring somewhere. My insurance…
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Interactive Investor account - promos
Does anyone happen to know if their referral links can be used in conjunction with SIPP cashback deal which expires tomorrow? They are closed at weekends otherwise I would call them and ask! Thanks
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Parking Overnight at Dunsilly Park and Ride
Hi I am going away for a couple of days down South and meeting a friend at the parking facility at Dunsilly roundabout and then sharing a car for the journey down South. To save paying car parking charges somewhere is it safe to park your car at Dunsilly for a couple of nights? Thanks
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Missing NHS pension.from the year 2000.
I was a nurse at a london hospital. I worked there for two years and I joined the NHS superannuation scheme in 1999 ish. Fast forward to today and I am trying to locate my NHS pension. I contacted the NHS pension tracking system in Newcastle and they said, they have NO RECORD of me being in the scheme, even though I showed…
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Avoid Ryanair currency exchange
Considering booking flights Out with Jet2 Back with Ryanair Ryanair is priced in Euros. Last time I did this I used my Nationwide card that has a good exchange rate etc but RY (of course) did their own unfavourable exchange as it was a UK card. Is there a way of avoiding this? (We still have a valid card with our Cypriot…
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Crystallised v Uncrystallised pension
I’ve been doing some reading to try to fully understand the concept of crystallising a pension, I think I’ve got my head around it but would appreciate if I could get some confirmation here that I’ve understood the various scenarios correctly… So at a high level an uncrystallised pension is one where the funds have not…
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Desperate for help w. land registry / boundary issue delaying sale
Hi all, We are currently in the late stages of selling our house. Several months ago our buyers flagged a boundary discrepancy on our title plan. It shows that our boundary is encroaching into the neighbours garden, as well as partly through their house (we're end of terrace). The actual shape of the boundary is correct,…
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County Court judgement
I needed to get a refund from a tradesperson. Went through small claims court, he admitted he owed the money and agreed to pay by the end of March. He hasn't made the payment. What happens next? Trying to get to talk to someone at the small claims court is impossible (believe me, I've tried…).
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Tax implications from removing my main residence from the Lifetime Property Trust
I have removed my main residence home from the Trust and according to Land Registry, it will be completed by the 28th of April. Will there be a CGT and others I have to pay from removing it from the Trust and will be under my sole name? I was one of the Trustees and the other is SWW Trust Corporation. Beneficiaries are my…
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IHT on Gifts
I received a gift from my stepdad of £200k in April 2021. He passed away suddenly in February 2025. I know there was other gifts but unsure of the values etc. If I owe IHT when should I find out as I thought it was 6month after a death but it has been over 12 months
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Lastminute.com Dubai query
Hi all. Newbie here. Apologies if this has already been asked on this sub. I have been browsing around but couldn’t find anything similar. I just need some advice and clarification on what options are available to me. I am due to go Dubai in May and have booked a package (hotel and flights) through Lastminute.com As you…
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Help with recent new rules on cash ISAs please
Hello, I want to take advantage of the Santander 1yr fixed rate cash ISA @4.5% with the £50 gift card for transferring from a different provider. . I only want to transfer £10,000 across and know that the original account needs to be closed via the transfer process. I have a few flexible ISAs with Virgin Money, but most…
