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Is it wise to buy annuity now and continue to pay into pension pot
Hello, I'm 55 and have a pension pot of £60,000 I was wondering if it would be better to use ALL the pot to buy an annuity now, then use the mothly annuity income to pay into a new pension pot with the view to buying another annuity in the future…. OR take 25% tax free (£15,000) and buy an annuity with the remaining…
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🌞 Happy Days in our Golden Years 🌞
Just over a year has passed since the final entry of my last
diary. A whole year of no debts and no
mortgage 😁 We
are semi-retired, using our private pensions to cover the cost of bread and
butter and running our own business part-time to put jam on it. You’d think I could do without a money saving
diary in those…
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Should I keep our joint bank account ?
A long time back my husband added me onto his bank account, so it became a joint account. This was because he has a longterm illness and was struggling to use his hands for signatures and his ability to speak on the phone. Its worked fine as but as his health deteriorated couple of years back I was forced to use the…
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Buying a house that has no building regs or certificates for loft conversion or log burner
The house I'm buying has a loft conversion that was done before the current owners and the current owners installed the log burner. It was last sold in 2021. Loft isn't being used as a bedroom, has proper stairs and a window but is being used as a habital room. Log burner is newish, not sure when it was installed or who…
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March 2026 Grocery Challenge
Welcome to the 3rd Grocery Challenge of 2026! As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a competition....it's…
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Transfer of bank balance during the switching process
I got talking to my daughter about the switching process the other day and she asked me if I ever let a large balance go over to the new account during the switch or hold some back and then transfer later. I replied not more than 1K and this got me thinking. How much cash do other people transfer during a switch and has…
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East Midlands Airport - VCS LTD - Petrol Station
Hi there, I've read the NEWBIES guide and I'm somewhat familiar with the process after winning a process with UKCPM few years ago. Unfortunately I got a NTK PCN today, this time from VCS at EMA within the petrol station. Here's what happened: I have been informed by the driver that this was their first visit to East…
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Neighbours Contractor damage to my property
Hi all, Just some quick advice would be appriciated. I am in a terrace house and next door are having new rendering. When they have been chipping off the rendering they have taken some off my side which has left and reasonable size hole. The only reason i noticed this straight away as most of the debris was in my yard on…
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Consolidating ISAs?
Due to receiving a small inheritance in stages last year, I have the following ISAs which all mature at different dates between now and the end of June, £6950 in serve and protect CU, matured £5031 Coventry BS matures 31st May £3500 Nat west fixed rate iSA matures 25 June I also have £10893 in Leeds BS 3 year fix matures…
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How do I get the section on Trusts to show up on my online tax return?
Just filling in my tax return for 2025/26 but I received income from my father's estate after his death. I can't seem to find the relevant section on the tax return.
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Drawdown - L&G or move elsewhere
I am retired on a comfortable DB pension and get the full state pension later this year. Since retiring I have also run my own consultancy business which I intend to strike off soon and go into full retirement. Excess profits from the business have been invested in a L&G workplace pension which I have had for several…
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£100,000.01 - what happens to free childcare?
Hi there, I’m new to this forum… Free childcare support from the government. What happens if due to my bonus I go over £100,000 by 1p in a given tax year? Who do I inform? Do I need to pay back the childcare for the term or whole financial year in question? My baby is yet to go to nursery so I’m not close to the process of…
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Savings accounts for RTM sinking fund
I am a director of a Right To Manage leasehold company for a block of 20 residential flats running for well over 10 years now. Over those years we have built up our sinking fund and now want to invest some of that money...any advice where and how we can invest it? It seems it has to be invested in a linked trust account.
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Driving licence
Hello I have a question in your experience maybe you can help me please I have driving licence for 20 years my first name one letter missing and my name on passport is correct, for example in my passport first name Dave but my driving licence is dav how do I contact my name on my driving licence? If I contact to DVLA does…
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Regular savers or ISA
I'm getting fed up of exceeding my savings interest allowance. I earned £1432 in interest this last year due to instant savings account (for misc. spending e.g. holidays, un planned large items spending.) and 8 regular savings accounts. OK it's just £86 of interest but it's annoying having to pay that in arrears. So, just…
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Trading 212 Cash ISA - Best rate for new customers only
Has anyone on here who had previously benefited from a boosted introductory rate for a cash ISA with Trading 212 successfully managed to sign up again and got another boosted rate and if so, how did you manage to do it? Obviously you can use a different email address but ultimately your name and NI number would have to be…
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Court Claim received UKCPS/Moorside
I’ve been chased by these chancers since 2023 when I allegedly parked on a car park next to a KFC in Sheffield. It had all gone quiet for almost a year but note I’ve got a Claim Form for the £170 charge (plus interest), £35 court fee plus £50 legal reps cost. I had previously appealed but that was rejected, and now here we…
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NSI Index-linked Savings Certificates
Hi, I have now option to renew my NSI index linked savings which is maturing in less than a months time. I have an option to renew for 2 years 3 years or 5 years. To continue with a 3 year option I don't have to do anything. I won't need the money for 5 years but not sure which option to choose. Any advice will be greatly…
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Be Careful
Brought Goodtogo travel insurance last year and missed in the Terms and Conditions. That they will only validate a policy if you have a diagnosed condition, they won’t even exclude. I had a blood test that showed my sodium was just outside the normal range, my GP said it was likely I was dehydrated when the bloods were…
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Solar G99 Export Limit "Fixed for 12 Months"
The G99 Connection Confirmation that I have received from my installer states: "The stated Maximum Export Capacity (MEC) will be fixed for 12 months from the date of this letter unless increased by agreement between us, in which case the increased MEC will be fixed for a further 12 months from the date of the increase."…
