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Buying Notebook in October
A couple of months ago I was finding out about Chromebooks, but it looked like what I really needed was a Notebook.I didn't seem to be making progress in finding a particular Notebook, so I decided to wait until expected sales in October.I'm not much of a consumer so don't know details of the October sales - it's called…
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Beko dishwasher problems
Our Beko dishwasher, after running without a hitch for many years, suddenly developed issues - quite a bitty story, sorry. We called out an engineer from a local (well established) business to see why it was trying to start but couldn't seem to run through the program. He re-set the program (I didn't see what he did and he…
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2 S&P 500 ETFs Which One?
Hi, so I'm thinking of investing in one of two American ETFs, one has a greater dividend, but the other may have better growth. Any opinions? Vanguard Funds Plc S&P 500 UCITS ETF USD(GBP) (VUSA)orInvesco Markets Plc S&P 500 High Dividend Low Volatility UCITS ETF (HDLG)Thank you
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PayPal fraud
Hi all, not sure if this is the right forum do apologise if not. 2 weeks ago I go 2 emails from PayPal saying I’d spent £479.99 both times. I immediately rang PayPal and they sent a report to their fraud department and it came back 24 hours later saying the payments were not unauthorised. I rang them again quite upset (not…
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Omaze £10 prize can only be used to buy more tickets?
I recently decided to try Omaze for a few months with a £20 monthly subscription. Since February I've won two "£10 prizes", but each time it is impossible to claim it as cash, or even use it to reduce the next month's subscription. The only option I'm offered to use my "prize" is to buy more tickets in the next draw. This…
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Intelligent Octopus Flux annoyance
Is it just me but IOF keeps switching Eco mode off when solar is good for charging the battery, but they insist on exporting leading to a loss of c5% converting from DC to AC . Does anyone else find that irrational?
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Reducing adjusted net income with pension contributions privately vs salary sacrifice
In 2024, I started to earn over 100k and paid an accountant to advise me by how much to increase my pension contributions to ensure my adjusted net income was below 100k. They provided me with a calculation and I confirmed in writing with them that I should increase my monthly pension contributions to this amount via…
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House not listed as sold despite offer
Hi we have had an offer accepted on a house but have been told that the seeker will not list it as sold until we have a formal mortgage offer. In the interim they won’t do viewings and also say they really want to sell to us. is this normal? Should we be worried that it’s not being listed as sold subject to contract?
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SAYE capital gains & stock ISA
Hi, in the next few months I have a SAYE policy which is maturing. I will have paid in £10800 & the value at the end will be around 26000. I can’t transfer direct into my pension so if I want to take out all the money I believe my only option will be pay UP TO £20,000 into a stock & shares ISA. If I do this, how long do I…
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MSE Forum poll: How often do you write anything by hand?
These days, voice recognition on our devices means you don't even need to type anything let alone use a pen and paper. But still, for some of us there are times where writing by hand is preferred. How often do you find yourself physically writing something down?
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Staying below the 40% threshold
Last tax year I paid tax at rates no higher than 20%. My estimated tax bill for 2025 -2026 shows a small amount taxable at 40%. However this is based on estimates of my Savings interest, which will be lower as interest rates have dropped, and there is an adjusted income because of Gift Aid. I expect my Gift Aided sum to…
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MSE Forum poll: How capable are you at doing DIY?
There's a bank holiday approaching (at least at the time of posting this!), which means many people will be thinking of attempting some jobs that need doing around the home. But while some seem comfortable knocking together an extension or retiling a bathroom, others find putting up a shelf or changing a fuse to be an…
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MSE Forum poll: Which supermarket does the best meal deal?
Whether you're packing for a picnic or grabbing a bite during your break at work, supermarket meal deals can be a quick and easy way to get lunch sorted. But which one do you think reigns supreme? Vote in the poll, then let us know what your favourite lunchtime meal deal combination is in the thread.
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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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Acer Aspire screens
Hi I'm looking for a new W11 laptop to replace my old Acer Aspire E15. Have been pleased with this so considering an Acer Aspire 3, i7, 16gb RAM, 1tb SSD. Some reviews though seem to be saying that the screen is really bad and that they have returned it for a refund. It's possibly a TN type rather than IPS like on my E15.…
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IHT418 Trusts
Hi, I hope someone can help, this is very basic, and I am trying to navigate these forms. My parents both set up a 'whole of life' insurance policy in 2001, in trust for the beneficiaries, to mature when they both died, both parents have now both passed. Also they set up 2 'inheritor Trust funds' in 2010. Reading the form…
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Small Business Rates Relief
Hi all, I wonder if you can help, I am changing direction of my business meaning my offices (that are owned) are no longer suitable. I have now rented these out to another business while I am trying to find suitable new premises to rent for myself. I cannot afford to pay the government for the privilege of having somewhere…
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Vinted, a few months ago i was advise i had to become a pro seller, now i have to provide business
Morning,I started selling on Vinted last year to clear out items I had accumulated. For context, I went through a period of binge buying and collecting things like backpacks, slings, and EDC/travel gear (I use to travel alot for work at the time). I’d often buy multiples of the same item over period of months, and…
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Dealing with 2 x deaths, one with a will and one without
This could get confusing so bear with me. On 6th August- my Nan died. Then suddenly we lost my dear dad 3 weeks later. My Nan had made a will leaving my dad and his sister as executors. Dad then passed away meaning his sister would naturally be the one to start dealing with things. We visited the solicitor and she advised…
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Abortive legal fees - challenge or not?
Hi all, I recently pulled out of a purchase and have just had my bill through... It is made up of legal fees of £480 plus £216.12 for searches. In short, the vendors declared a border dispute early on (in the initial sales pack), having agreed to change the border on land registry, months later they claimed there was no…
