Other 'big questions' you want answered

MSE_Martin · 21 September 2006 at 1:33PM

I don't know the answer to that Sophie. I dont know which the thread was. Yet this is a Chat Forum - and over 100,000 people post here - sadly some aren't always polite or nice like any community.

Yet this thread is about articles not the forum - and subjects you'd like to be written - for the 1,000,000 users of the main site - if possible it'd be great if we can stick to that. If people are rude or abusive to you - please report it to the abuse team - as indicated by the orange bar at the top of every page

Martin

beaz · 22 September 2006 at 3:25PM

Another 'big question' you may have some ideas about is
"First time Mortgages." Such as Bank of Ireland '1st start'. They are very cagy, they don't have info on site or to send out. You have to ring, all beit free (0800 109010). This where your parents income can be taken into account, but their house is not at risk, only the mortgagee's house. Parents only guarantee the monthly payment in the event of problems.

There must be other schemes, it is trying to find them as they are rarely on the leaflet rack in the B. Socs. (Your blog on owning a house engaged my brain on this one!!)

hotbod · 22 September 2006 at 5:54PM

Hi I Would Really Like You To Look Into Why Ema Has Done A U-turn After Abolishing Pilot Area Schemes In April 2006
Which Meant My Daughter Would Now Qualify (we Dont Live In A Pilot Area)
Have Decided To Extend It To April 2007
After Receiving Notice Of Entitlement(noe) And A £30 Payment She Has Now Recieved A Letter Saying"sorry But Due To An Incorrect Interpretation Of The Revlevant Legislation Noe Was Issued In Error" How Can It Be Right? There Must Be A Lot Of Students In This Same Position Who Have Never Been Able To Claim

Trojansid · 23 September 2006 at 12:02PM

Martin,
Offset mortgages vs traditional repayment mortgages. Which is the best? What are the advantages and disadvantages of both?

pavlovs_dog · 26 September 2006 at 1:20PM

i would like to second the pensions and what to do with free shares suggestions.

and may i also suggest

life insurance - what are the options, how does it work, is it worth it

and wills - the best way to go about ensuring your assets go where you want them

and perhaps (im not sure if you've already written one), tying in with the will idea, how to legally avoid inheritance tax so that the people you choose to give money to get the most benefit from that gift

MSE_Martin · 26 September 2006 at 3:08PM

Actually folks most of the recent suggestions are already covered

1st time mortgages - its in the new mortgage guide
EMA - there is an article on EMAs, sorry to hear about the U-turn, but this is more about managing finances than campaigning on the specifics
Offset - this is covered in both the mortgage and remortgage guides in detail
Life insurance and inheritence tax both have articles on the site (life insurance is due an update soon)

Martin

pavlovs_dog · 26 September 2006 at 3:13PM

will venture out of the forums :eek: and go look for those :beer:

cheers big man :j

Fluffy_Bunny · 26 September 2006 at 6:44PM

How about an explanation of endownments? I know you have covered how to claim if they have been mis-sold. But as I do not qualify for that, I really need to know if I should cash them in or hang on to them. I have three policies covering my mortgage, and ideally I would like to get rid of them altogether and change my mortgage to a repayment mortgage, but I don't know if:
a) that makes financial sense or if it is throwing more money away
or
b) if I do get rid of them, should I cash them in with the company that sold them, or sell them to another agency that buys policies.

(I have received letters from the different companies telling me one is on track and the other two are predicated shortfalls...)

I simply don't understand how they work at all !!

Thanks!!

david_shaw_2 · 29 September 2006 at 5:10PM

Martin
You were right Paul Lewis' book on Pensions was great.
Pick an ETF that tracks the FTSE.
Unfortunately the brokers fees to get into an ETF prohibit their effectiveness.
I have probably missed a trick,could you eor Paul explain how best to get an ETF
Regards
David

RoCas · 29 September 2006 at 5:49PM

Hi Martin,

I second the suggestion regarding SERPS / contracting back in. I realise that each situation is different, but are there any general guidelines?

Thanks.

Other 'big questions' you want answered

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