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Probate and a RESIDENTIAL park home (not a caravan)
Hi all I'm valuing my late father's estate for probate. He, like many retirees bought a park home on a residential park, not a holiday park (important distinction) and pays a ground rent to the park owners. Because of it's relatively low value, it's considered a chattel (an asset), not a conventional property. I'm guessing…
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The power of compounding
Most people know the power of compounding but I've come across a great demonstration of it. Take a look at the prices of the Accumulation and Income versions of this equity income fund. The Acc. fund grew by c.114% over five years while the Inc. fund grew c.64%. The difference is 50%, so you might think that translates…
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Saba parking fine... but no Saba sign!
Hi all, any guidance appreciated... I was parked for a short amount of time on the approach road to Finchley Central station car park - exactly where the Mercedes is in this Streetview image (https : //!!!!!!.com/ycmjrhvy) - and received a fine for "Failing to display a valid staff E-permit". I previously had a permit but…
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Ground rent reforms
What is the current situation with ground rent reforms for properties with old leases? My FIL is interested in a retirement bungalow which has 61 years left on the lease but it has ground rent of £564pa (in Surrey so that makes it an AST).
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14 months to go!
As moneysavers go, I've never been in the depths of being in debt. I'm more of a 'there's always something' at some point in the month that happens, that messes my beloved budget up and I predictably feel down on myself for either not being prepared or not foreseeing something that I should! I live on my own (apart from my…
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Wayleave?
A new fibre broadband network has been supplied to the estate. Rather than burying the cable, it is supported on telegraph poles, spaced about 100m apart on the pavement. The road has a bend in it, and of course the cable goes directly from pole to pole. It therefore crosses the front gardens of the houses on the inside of…
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T35V Gilt
If I buy say £10k of this in my Sipp and hold until maturity, what will I have in October 2035? Is it as simple as £4750 in coupons + the £10k back, ignoring any interest on the saved coupons ?
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Getting Libby books on kindle
I've downloaded the Libby app and I'm trying to work out how to get Libby books on my kindle. When I tap on one of my books and "manage loan" and "read with" I only have 2 options - Libby and Epub. Kindle is not one of the options. Just wondered if anyone could help. Thanks
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CRAZY LATE SERVICE OF 2 PCN
I’ve received a PCN for failure to display blue badge 22 DAYS after incident I’ve received an additional PCN for parking too long 54 DAYS after the same incident i thought they had a 14 day service limit ? Really grateful for your thoughts
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Postgraduate Loan - worth it or not?
Hello All, I'm 45, mid-way through a career change and have just started a Masters, to be studied part-time over 3 years alongside full-time work. Salary currently £32,500. I took out a Postgraduate loan for the value of the course - £11,506, however I'm now doing the sums and concluding that it is a fiscal mistake to…
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Park home on a residential site & Probate. Any pointers/pitfalls
Hi all I'm valuing my late father's estate for probate. He, like many retirees bought a park home on a residential park, not a holiday park (important distinction) and pays a ground rent to the park owners. Because of it's relatively low value, it's considered a chattel (an asset), not a conventional property. I'm guessing…
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advice regarding incompetent plumber
Hi there, i am a university student renting a place with a few friends for the year and we had issues regarding our kitchen sink clogging up. After we called our real estate agency they arranged for a plumber to come over and unclog the pipes. however, he never cleared them out fully, just enough for the water to drain at…
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Getting going on my debt free journey
Hi all, newbie to the forum but sadly not a newbie to debt. Hope everyone is well. I’ll try and keep the background as short as possible. I’m in my 30’s, no kids. Around 6 years ago I had a bad accident that left me facially disfigured, I spent the following 5 years in a deep depression, part of which involved reckless…
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Enterprise car club, private parking penalty notice!
Hi, can anyone help with this one I seen another discussion, but there’s no ending to it?! Hired a car with Enterprise car Club and sometime after received an email from them in regards to a parking notice from Euro car parks. (I didn’t manage to pay for parking as the app and online service kept bringing up an error…
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Need some help and advice with my debts
Hi, I apologise if this has been answered already but I have been searching through the forums for a few days now and can't find what I need. I have stupidly got myself into significant debt and I need help to get out of it. I have 2 maxed out credit cards, (approx 16k between them) I have a debt with moorcroft of approx…
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Faulty Roof
Our house is 5 years old. We brought it second hand 3 years ago. Briefly - We had solar panels fitted to our tiled roof. This resulted in damage to roof tiles (although prior to this tiles were coming off due to high winds) and daylight showing through the roof. Contacted solar panel installer, said the fixings used to…
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Euro Car Park PCN through Octopus leasing
Hi All, I'm new here, so sorry if I do any of this wrong but essentially looking for guidance on how to overturn this pcn from Euro Car Parks. I received the below from Octopus on 23rd Sep (showing as admin@fleetwork.co but the reply goes to penalties@octopusev.com) -- Dear xxxUnfortunately, we have been notified that a…
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SIPP beneficiaries
This also applies to the auto-enrollment pension provided by my employer at the minimum 5%/3% level and operated by "Creative". I'm over a decade off state pension age so not looking to drawdown any time soon. My SIPP (with HL, though I don't think that matters) asks me to nominate one or more beneficiaries to pass the…
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EDF Sunday Saver
"Shift your electricity usage from Monday to Friday away from peak times (4pm-7pm) – to get free electricity the following Sunday." Average peak electricity usage at end of week Free hours of electricity earned Free electricity times the following Sunday 19.3% (no change) 0 N/A 17.4% 4 8am - midday 15.5% 8 8am - 4pm 13.5%…
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Cash ISA Renewal
My cash ISA is up for renewal after 18 months. I am advised by the bank the ISA will be renewed at a rate of 1.1% which I consider to be extremely low in the current financial climate. Not sure if there are many finance houses who are accepting transfers in at reasonable rates I already have maxed current year ISA…
