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Pension seems to be doing ok?
Hi there, I'm not looking for advice, more like opinion (although I appreciate they might be similar). I have a stakeholder pension from a job I left in summer 2025. Relatively small amounts were paid in as part of my salary but about 5 years ago I started paying in extra cash to help boost the pot. In January, Scottish…
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HL SIPP Track the market vs Expert Managed
As above. Obviously fees are much higher so just wondered what, if any, people’s experience has been and if they felt it had been worth it or not? ( Appreciate fund size and many other factors come in to play but as a simplistic experience!)
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indigo airlines , can i claim .
Had flights booked with indigo airways , an indian airline . The international leg man>bom / bom>man was booked on one pnr , the two domestic internals seperate pnrs , so one return flight and two singles . All flights got rescheduled multiple times in the days leading to flight departures, resulting in missed…
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Time delay after submitting SA1 Form?
I've just submitted my SA1 Form, but still can't see an option to fill in my tax return. Is there a time delay before I can actually start entering the relevant figures into my tax return? If so, will HMRC advise me when I can start completing the return? Or maybe I'm looking in the wrong place - where can I find the "Fill…
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Getting car insurance problems
Been driving a long time but since August last year that part of my world has fallen apart.Had an accident in my car,which I caused,which I made a claim on with my insurance company as a new door would be needed.They put it into a local body repair shop,who gave me a courtesy car to use while mine was being repaired.Repair…
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Etihad delay for 1hr 45min, missed connection in Abu Dhabi, off to hotel and fly to London next day
Etihad flight from Asia was delayed for 1hr 45min and we all missed our flight to UK and Europe in Abu Dhabi - no other flights in the afternoon that day. All to hotel in Abu Dhabi and on the next day flight (mine was over 18 hours later than original). I emailed them and they are offering just about £110 cash (my one way…
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Self assessment income tax and capital gains tax. How do payments on account work for future payment
Hi all, So with each tax year, you pay part of the current tax year's bill and then you pay a part of the following tax year's bill in advance both in January and then pay a part of the following tax year's bill again in July. This is income tax related. They say if you predict you will earn more or less than this, you…
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Pensions Planning: The NUMBER
The NUMBER is how much income you need to "live comfortably" So What's your number? Very important for pensions planning, to know what you are aiming for. My Number? (for a couple) I calculated: £22,000 based on Food £5,000 Car/transport £5,000 Bills/Utilities £4,500 Holidays/Leisure £4,500 Clothing/Cash/Xmas/Other £2,000…
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SDLT for non-uk residents - SURCHARGE QUESTION
I live abroad so not in UK. I used to have a house that I let out in UK but I sold that two years back. Ive been away for 5 years. I want to buy a new house in UK to move back soon.325k house. I can see that I have to pay a surcharge for being a non UK resident but might be able to reclaim that if i do move back. But there…
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Quote for Engineered wood floor install
Just after opinions if this quote sounds okay. We've used the company before on a few different jobs, and they have always done right by us. Problem is I can't seem to get anyone else to come and quote anyway. The floor is approx. 22 square meters, it will be cleared of old carpet, grippers etc, and generally tidied up by…
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Annuity change of calculation from RPI to CPIH
As many of you will be aware, in February 2030 the calculation for RPI will be changed to be the same as CPIH. The term RPI will remain in existence but it will effectively be CPIH. CPIH typically runs between 0.5% and 1.0% lower than RPI. For long term holders of RPI annuities it is unclear if there will be any redress to…
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Sell with planning permission or without?
I inherited a rental property around 5 years ago with a protected tenant. A fairly unique situation in that I am the third generation of my family to be the tenants landlord. Sadly, the tenant has now passed away and I find myself with vacant possession of a property 30 miles away from me that is on a large plot in an…
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On district or communal heating? You now have stronger rights if something goes wrong
Read the full story: https://www.moneysavingexpert.com/news/2026/01/heat-network-regulations-ofgem/ If you haven't already, join the forum to reply.
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Challenge Smart parking charge
Hi all sorry I'm new to this site, I'm looking for some advice and or assistance. I received a pcn from smart parking in August, saying I hadn't paid for the parking. I did however the machine printed the first 2 digits of my registration twice, they have said that it was entered incorrectly as a therfore the parking…
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Managed Vetting for police while on a DMP
I’ve been through an interview process and been offered a job pending background checks with a police service in England. When filling in financial I’ve declared all outstanding debts, totalling approximately £23K which I arranged a debt management plan to sort out. I was always able to manage the payments and never missed…
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Item delivered but buyer says he’s not got it
Hi I’ve started selling on eBay I sold a wireless central heating thermostat ( new) for £96.00 sold and posted it on 04/01/26 Now the buyer is saying he’s not received it 16/01/26. It was sent Royal Mail 48hr tracked. ive just checked Royal Mail tracking and it shows as delivered on 07/01/26, I informed him of this and he…
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KLM flight cancellation & IndiGo flight delay (5+hrs)
Hi there, KLM Cancelled flight (newcastle - amsterdam - bangkok) My sons flight was cancelled by KLM due to the recent adverse weather affecting Schipol airport. They had cancelled it and he did not want to take up the flight that they offered in replace a couple of days later, so he went through the process to get a…
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Who to notify?..... DC coupled retrofit battery
I have a 10kWh Growatt hybrid inverter with an 11.44 solar array on 3ph. Export is restricted to 10kWh.on G98. If I add 20kW of DC coupled battery storage, do I need to notify / seek DNO approval? Export is controlled by the existing inverter and batteries are on DC side so any export is controlled to agreed limit.
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Redundancy payment moving me to a higher tax bracket
Good morning! I was recently made redundant and received the payment yesterday. The redundancy part of the package was approx £20k, and then the other parts (PILON, holidays, overtime owed etc) was approx £10k and should be subject to tax and NI. Up to my December pay packet, I had earned approx £24k for the year. I have…
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Falling foul of the PSA - Self Assesment?
With 2 months to go it looks like I am going to fall foul of the 40% PSA cliff edge. My gross salary will be £49K and some change, then with around £1K in savings earnings. Combined I'm just going to tip into 40% bracket. Not the £100k plus trap, but annoying none the less. What's the easiest way to resolve it? I can't up…
