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Is it time to get some bonds?
I have a decent DB pension so have always had my DC into 100% equities - global or S&P trackers mostly - and this hasn't changed since I retired a few years ago. I am not too worried about the risk normally but there seems to be increasing talk of a correction as well as me thinking my longevity is decreasing over time. In…
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Indemnity insurance relating conditions of covenants
My house: built in 1969 - local builder - one of approx 300 homes. Original sales contract included a covenant stipulating certain conditions ie no hedges or fences to front, no parking of mobile homes; the problem ones are any form of extension, garden sheds, works to walls, floors, roof, approval must be obtained from…
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Any Airbnbers on here
Hi all I am hoping to move in the new year to a house very near the sea. We will have a spare en-suite room and are considering air bnb to help cover the bills. Any advice or experience that you could share please? The room is ground floor so am wondering if it would be worth making it disability friendly?
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Gas fire soot build up
The third tile has turned black and it burns when the heater is in ( yes I know it's dangerous so have kept it off now) I think the issue was the ignition would not come on without a match so I lifted the third tile to use the match but I must not have put it back properly hence why the tile has burned. Any recommendations…
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Money Saving Ideas For Framing My Arts
I’ve recently started collecting a few art prints and photos that I’d love to frame and display at home, but custom framing seems quite expensive. I’m looking for some practical, money-saving ideas for framing my artwork without losing that clean, stylish look. Are there any affordable frame options or DIY tricks you’d…
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Mexico Passport - Duration of Stay OR 180 Days
The GOV website says: "To enter Mexico, your passport must be valid for the duration of your stay." Simple as that, clear as day. The next line then reads: "The Mexican Embassy in the UK recommends passports be valid for at least 180 days because this is the longest you can stay in Mexico as a tourist." ok, so that has now…
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Help with porting issue from O2 to Tesco Mobile
Hi Newbie here looking for some help please. My husband and I left O2 due to the price rises and signed up for sim only plans with Tesco Mobile. We wanted to keep our existing numbers that we’ve had for 20 plus years. The porting date was yesterday and we followed the instructions to the letter but both our mobiles seem to…
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Transferring a Cash ISA to Hargreaves Lansdown Cash ISA
Hi, Has anyone managed to transfer a Cash ISA to the new HL Cash ISA at 4.55%? The process doesn't seem to be very straight forward - the cash ISA with your current provider needs to be transferred to a HL Stock and Shares first, then from HL S&S to HL Cash ISA. I am ready to send my application, however I am wondering if…
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Capital Gains Tax Allowance and stocks
The tax free allowance for capital gains is £3,000 a year. If I buy stocks for £10k and they have gone up to £15k and I then I sell for £3k to take them out. Have I then used my capital gains tax allowance? Is it a smart thing to do to get £3k a year?
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Home Energy
As a small supplier has any one moved to them as the rates are the lowest I have found but not fixed , I'm thinking about moving away from Octopus as they seen to have lost their way with competitive pricing
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Nicked a copper pipe - what to do?
I had to saw through a floorboard over a joist and unfortunately nicked a copper pipe which was running over the joist. I am not sure what to do - the pipe is on the heating circuit and by a wall so replacement wouild be a big job. Pic attached.
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Solved : Vax Rapide Carpet Cleaner - Not dispensing water
I have a Vax Rapide Carpet Shampooer - after 12 months and only 4 decent uses, it stopped issuing water onto the carpets even though a thorough examination showed no obvious fault. Vax Helpline totally useless. I looked on several "Self-Help" boards and found that lots of other frustrated people have the same problem, but…
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Link Financial Full and final Settlement Offer Advice
Happy bank holiday Monday everyone, I have a debt with Link Financial which I have ignored for about 4 years. Before I contact them, can I check if anyone has had any recent success with Link Financial regarding a full and final settlement as I would like to see if its worth going down this route with them. Thank you
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What’s the best debt solution?
Hello, I’ve tried to do an SOA and confused myself thoroughly so I thought I’d just begin. Up until very recently I was poised to go into an IVA. My financial circumstances have changed drastically and I now have more income than I thought. My partner’s finances are separate to mine, and have to stay that way because of…
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The Happiness Fund.
I am going to copy over all my posts about my new kitchen or lack of it!!!! I am changing my thread name back to a more saving focussed one so I don't get distracted.:j Addendum: I have changed the name again as I am planning to chill out now I have savings and am going to continue to save for happy times. lol.
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Incredible Energy Saving for my Sister might help you too
My sister asked me what I was doing to save energy and so I gave her the usual tips you see on here. We got her some energy monitors and I noticed the Fridge/Freezer was using more than double what the annual kWh stated on the manufacturer label. I called the manufacturer and asked what you have to do to get those figures,…
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New Uni Laptop
I need to get a new laptop for uni. I will generally be using word, excel, doing research and surfing. I have narrowed it down to two and would appreciate any advice as I don’t know which would be best. I really want a laptop that will last the next three years. My shortlist is: Asus Vivobook S14 Amd Ryzen 7, 16gb ram, 1tb…
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Party wall notice for outbuilding
Is a party wall notice needed for outbuildings? We want to demolish our stone outbuilding, but the rear wall is also the neighbouring shed
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Access to my property for building works next door
This is likely not in the right category, but I couldn't find a suitable one.... I was asked to comment on a planning application. I didn't object. The plans are about to get underway. Yesterday I had a meeting with the builder who first of all tried to convince me that my interpretation of the plans was wrong. When this…
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Blocked pipe... at our wits end
So... we have an almost blocked drain in the kitchen, it all happened completely out of the blue and is the first time we ever had one. I tried to get rid of it by heating some water plus baking soda, fully dissolved, and then into the sink. Strangely, this made things a lot worse... pipe was now totally blocked. Hubby has…
