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The most recent discussions

High Income Child Benefit Charge

September 29, 2018, 12:42 pm

I have just received a letter today about the High Income Child Benefit charge for the 2017-18 tax year. It does not make clear what we might owe. This is the first I have heard about this tax so... Read more »

Where to Put My £-Sterling Savings Before Dollar-Pa rity?

May 26, 2018, 2:23 pm

I think the pound will continue to drop from $1.33 to $1.29 on a 61.8% Fibonacci retracement over the past year and a half, before another possible dead-cat bounce. Where can I place my savings, ... Read more »

£1m inheritance WOOP WOOP - what to do?

May 13, 2018, 5:25 pm

As per the title, father-in-law has passed on leaving his estate to his dau ghter (my wife) looks like the final figure after taxes is going to be approximately £1m. Never having had read... Read more »

Pension entitlement and untraceable people?

March 17, 2018, 6:39 pm

Met up with a girl I used to work with years ago. She tells me she's had probably five or six jobs in her 32 years on this planet and has paid into a pension scheme in all of them. (Don't worry, ou... Read more »

Three Still Takes Payment For Cancelled Contract

February 17, 2018, 6:30 am

Three Still Takes Payment For Cancelled Contract Up until October 2017 I used a Huawei dongle (black with green '3') to acce ss the Internet. This was on a monthly billing plan of £16 for 5GB. I ... Read more »

Reducing Tax In The Previous Tax Year

January 9, 2018, 5:40 pm

Just completing my 2016/17 tax return. Due to some sizeable sales = bonuses I got toward the end of the tax year I find I now owe HMRC a few= K = for the 16/17 tax year=E2=80=A6. I am employe... Read more »

Treatment of an old credit balance on a supplier statement

December 20, 2017, 9:53 pm

Hi, I've just started working for a new company and recently received a monthly statement from one of our suppliers. On this statement there is a credit b alance of £525.00 When I queried thi... Read more »

Money with expiry date

December 9, 2017, 2:12 pm

What if my salary expired after 90 days? I would have to spend, invest, or lose the money, saving is not an option. With elecronic cash, it would be possible to track each pound and give it a da... Read more »

Investment advise, tracker funds

December 7, 2017, 10:45 am

I would like to invest in equities via tracker funds, some within an ISA and some outside. I would like to look into trackers that track the FTSE100, European indexes, North American and the BRIC... Read more »

Retirement options?

December 2, 2017, 7:04 pm

Posting on behalf of a (real) friend. He is 54, has 90k in savings, no mortgage, no kids and a pension from his p revious employer of around 5k a year. He reckons he could take redundancy from his... Read more »

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The best rated discussions

What is difference between run-rate and pro forma?

rating: 5

Thank you for your explanation. Read more »

jTWScharts - FREE 7-day evaluation version available

rating: 5

hi, i've updated the jTWScharts web-site: to allow interested people to request a free 7-day evaluation version. If you already know jTWScharts just go to Co... Read more »

releasing jTWSdump for Interactive Brokers

rating: 5

i've completed this new application jTWSdump which allows to download historical data from Interactive Brokers Trader Workstation: it has a graphical user in... Read more »

Travel Insurance for the over 65s

rating: 5

What a nightmare. All the insurance companies we have tried wont insure us now that we're over 65. We actually want a multi-trip worldwide policy (sans North America). We use d to insure with STA... Read more »

P800 calculation

rating: 5

Today I received a P800 calculation from HMRC telling me I owe them £1 However, the calculation includes an £889 underpayment from 2014-15 wh ich I am currently paying back via a reduced tax code... Read more »

Investment advise, tracker funds

rating: 5

I would like to invest in equities via tracker funds, some within an ISA and some outside. I would like to look into trackers that track the FTSE100, European indexes, North American and the BRIC... Read more »

How pedantic are banks?

rating: 5
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I've got a cheque here from an elderly lady dated Nov 13th 1940. Reckon the bank will accept it? -- Rescuers in Pakistan today reported rescuing a man from the rubble. They became aware when the... Read more »

House to joint ownership?

rating: 5

Wife and I are in mid seventies. House (paid for) is in my name. Is there any advantage in changing to joint ownership and if so, how to do it. Scotland if it makes any difference. Read more »

When do you need to report capital gains on a sale of property?

rating: 5

According to the HMRC website, you don't declare the sale of your main home on your tax return (because there's no tax to pay nor losses to claim) If you don't normally complete a tax return then ... Read more »

Joint Account Tax Liability

rating: 5

My dad has asked me to open a joint share dealing account with him, to help him buy and sell shares, using only his money. I will receive no payment or benefits from it. My question is, will I be... Read more » is a site by and for consumers of financial services and advice. We are not affiliated with any of the banks, financial services or software manufacturers discussed here. All logos and trade names are the property of their respective owners.

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