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Talisker
August 18th 10 06:07 PM
My wife died recently, and left her life insurance in a trust for our two children (both at primary school). Myself and my wife's sister are trustees.
Can I use the children's trust funds to but part of our home (less than 25%) so that their proportion will not count for IHT when I die, the cash would also reduce our mortgage which clearly has added benefits to al of us.
Any help...
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Whistler
July 26th 10 04:30 PM
I worked for a UK subsidiary of this company called Arqiva. They fitted covert radios into the Royal Household personal vehicles. This company, ran down security on site to the point, it was considered unsafe to leave police vehicles there over night!
This was done with the full knowledge of Board Members. A report later commissioned by them to bid for new business clearly shows an unsafe...
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DKO
July 15th 10 06:39 PM
Hi,
I wondered whether there are any IFAs out there who would considering talking to me about the RDR review?
Thanks
Donna
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John Boy1979
June 30th 10 03:36 PM
Hi,
Can anyone help. I have a lot of debt, well about £22,000 in total (a mixture of credit cards and loans) and have been looking into doing a Trust Deed. Ive read you can pay it for 3 years and then it done with but I live in a rented flat. Will I have to tell my landlord about the Trust Deed? I dont want to get kicked out if he is not happy with it? Also how badly would it affect my credit...
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Chris K
June 19th 10 02:23 PM
I spend ££££52 gazillion per year on web - Never really had problem
Of late Debit/Credit cards having been trying to persuade me to sign up for
some extra online security feature that will basically shorten my life by
one hour everytime i buy something
So far there has been a box saying "not at this time" - which i click,
finish my purchase and carry on with my otherwise pedestrian...
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Davao - Arthur55
June 17th 10 05:31 PM
Hi gents/ladies.
My employee offered the staff a voluntary severence opportunity last
month and myself and many others have applied and been accepted.
In my case, the decision on my application has been deferred for a few weeks
while the chiefs consider some departmental reconstruction. I have a very
gloomy
feeling they may have exhausted their current lay-off budget and will offer
me...
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johnboy[_2_]
June 15th 10 09:35 PM
How?
Just add a small amount to income tax to cancel it out.
Then - get rid of all the extra pencil pushers who would otherwise be
needed to decide if the family passes some means test to get it.
Result is a net saving in administration.
In fact, why not pay unemployment benefit and all the other benefits to
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tim....
June 13th 10 03:05 PM
Having eventually badgered me into going over to "online" filing for my VAT,
the silly buggers are still sending me a posted reminder?
What's wrong with email?
Has "Dave" implemented a web site for us to submit ideas yet?
tim
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Mark Opolo
June 12th 10 11:52 AM
a Chanel J12 Retrograde Mysterieuse.
http://www.chanel.com/wfj-global/en-us/index.php
I have Goggled and googled but no luck.
Gotta put this on my Lottery/PB Win list.
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davestauntons@yahoo.co.uk
June 12th 10 10:04 AM
Hi, just a quick question - couldn't find the answer on the HMRC
website.
If a mother and daughter live together in a house owned by the mother,
and it's the daughter's only residence as well as the mother's, is
inheritance tax payable on the value of the house if the mother
bequeathes it to her daughter and then dies?
I think I'm right in saying that if the daughter sells the house
later, then...
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Mark Opolo
June 12th 10 04:26 AM
how long after a draw does he send out the winners cheques.
ta
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thedarkman
June 11th 10 01:12 PM
The axe must fall, said Call Me Dave,
And we want your feed-back,
Please tell us where it is to fall
Till Britain's in the black.
The axe must fall, said Call Me Dave,
So tell us where the heck
We can make cuts, where should it fall?
How 'bout Dave, on your neck?
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Mark Opolo
June 10th 10 04:35 AM
Just a few tips and notes on our recent trip.
Don't change your money until you get to Egypt. Exchange Rate at airport
LE7 to £1. Rate from tour rep and machine in hotel LE8.4 to £1.
Don't get your VISA in UK get it at arrival airport. In UK £18 and at
arrival airport £13.
Don't believe what they say about the water. By this I mean you are told you
will be fine if you only drink bottled...
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Csaba Halasz[_2_]
June 9th 10 07:28 AM
On jún. 8, 23:08, David Woolley
wrote:
Csaba Halasz wrote:
On jún. 7, 19:45, "tim...." wrote:
"Csaba Halasz" wrote in message
....
100% legal and secure. 2% - competitive return without risk - monthly..
2% per month and completely risk free are mutually exclusive in any economic
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thedarkman
June 7th 10 06:55 AM
Call Me Dave has said big cuts are coming - not for years but for
decades! But are cuts desirable or even necessary?
http://www.financialreform.info/f_r_britons_are_now_slaves.html
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Greatest Mining Pioneer of Australia of all Times
June 7th 10 03:19 AM
Millions of barrels of oil to be churned & dumped on the beaches of
Louisiana, Alabama, Florida, Mississippi right up to Texas Houston !
Dumped also in marshes all along the Gulf of Mexico
as well Mexico Guatemala etc will benefit from that manna too !
Professional estimate of buckling & slipping of riser over the BOP
( Blow Out Preventer), since that Lower Marine Containment Cap cannot
be...
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fvw
June 5th 10 08:57 PM
Where has Santander found the funds to hoover up so much of British
banking? They are also busy buying up retail bank networks in
Germany and no doubt other countries.
There's very little commentary on this in the British financial press
- possibly because not a lot of Spanish is spoken or understood there.
So is Santander an Hispanic Kaupthing - i.e. a bubble waiting to
burst? Or do they...
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Peter Saxton
June 4th 10 03:02 PM
I tried to pay Staples for a new business account I have set up.
I entered the sort code, bank account number and account reference
from the invoice I received into the Bill Payment system.
I get a letter from Lloyds TSB saying Staples bank had returned the
payment because of "No Account".
I also pointed out they had described it as a "standing order" which
was untrue. They said that it was a...
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Steve
June 3rd 10 04:03 PM
As I'm sure most of you are aware, Ryanair have terminated their free
payment method of VISA Electron some time ago, the new free payment method
being prepaid Mastercard. However these often have fees for purchase, top
up, use and non use which Electron did not.
Just been past Thomas Cook, and they have a Mastercard Prepaid currency card
in currencies of US$, EU?, GB£, CA$, NZ$, AU$ and ZAR...
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Mark Opolo
May 30th 10 06:00 PM
Going next week, will I get a better rate of exchange at the arrival
airport...
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Rob[_5_]
May 29th 10 05:09 PM
Is there a last date that these are issued by. It seems to be taking a
long time coming this year.
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Mark Opolo
May 29th 10 12:03 PM
a year ago so they let him home..............with months to live
http://news.bbc.co.uk/1/hi/england/london/10190104.stm
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Darrion Frank
May 29th 10 09:42 AM
It could be a really hard time when you don=E2=80=99t have enough finance to tackle wi=
th the demand of emergency, which usually arises in the middle of the month. Such trou=
blesome situation generally faced by salaried people as they might fail to take out a=
dequate finance from their set monthly budget for paying off unexpected expenses. T=
his may lead them to opt for a loan. However, a...
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Mark Opolo
May 29th 10 05:09 AM
http://news.bbc.co.uk/1/hi/uk_politics/8712383.stm
£40 f'in grand.................he should be in prison.
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Davao
May 28th 10 10:35 AM
Hi all.
I have more than a half a shout at voluntary redundancy in the near
future.
I am 55 and stand to receive my LGPS pension without acturial
reduction.
This pension includes a spousal pension in the event of my clogs
acquiring a status of 'Popped'
eg, Fall under the wheels of a bus.
The spousal pension after I stop breathing will be about £4000
However, the spousal pension is based upon the...
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Mark Opolo
May 27th 10 06:48 PM
I thought there was/is a law that any web site selling products in the UK
had to have a contact telephone number.
Can anyone confirm this.
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tg[_2_]
May 27th 10 10:58 AM
Hi,
I'm a UK resident for the past 15 years. I'm non-domiciled but
in the last tax year I have unremitted overseas income of more
than £2,000. Hence according to the new law I'm supposed to
pay UK tax on them (I'm not using the remittance basis).
However UK also have double taxation agreement with
my country. Does one law overide the other?
If I have to pay tax on my unremitted overseas...
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googlenospam@hotmail.co.uk[_2_]
May 27th 10 07:29 AM
I have a £140 mobile phone debt on my credit record. This is the only
debt in six years but is preventing me from getting credit. The
Halifax tell me even if I repay the mobile firm now it may "take
months" for the effects/evidence of the debt to clear from my credit
file.
Is there a way I can speed up this process, I now have the funds but
it seems pointless repaying a debt if someone - the...
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ronaldobrown
May 27th 10 04:35 AM
I'm managing a Conference and have already used up my 2 long-term loans (both season-long) for this season. Now I'm allowed 8 'short-term' loans. What period is defined as short term? I know that 6 months is deemed long term, so could I take someone on loan for 5 months, or is that still regarded as long term?
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thedarkman
May 25th 10 11:58 PM
On 24 May, 10:07, Jethro wrote:
Why doesn't the UK government issue "credit crunch bonds" (cf. War
Bonds) to the general public ?
Say minimum 5 year holding, and 3% return ?
How much money could they raise that way, and would it help stave of
tax rises ?
What the government should do is print its own money or create its own
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fred
May 25th 10 09:37 PM
I'm a bit out of touch with the current state of play on putting
personal mobile bills through the books of a small limited company (one
man band).
The user was a sole trader so used his personal mobile for the business
and the number is now well known as his business mobile. User converts
to Ltd coy but still wants to use this number for the business but the
bills are in his personal name,...
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Mark Opolo
May 23rd 10 12:01 PM
convicts find this trivial matter to pursue
http://news.bbc.co.uk/1/hi/world/asia_pacific/10143347.stm
What a f##'#~in joke.
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vjp2.at@at.BioStrategist.dot.dot.com
May 22nd 10 06:19 PM
The high Euro and low Renminbi led to the financial crisis via petroleum
and other commodity prices.
USA states are free to default. Bonds of USA states have different
(face) interest rates, (effective) yields and ratings. Most USA states
have rules against having deficits, but not all. No one kicks them off
the dollar when they default.
- = -
Vasos Panagiotopoulos, Columbia'81+,...
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Mark Opolo
May 21st 10 05:37 AM
had me in tears this did........
http://news.bbc.co.uk/sport1/hi/football/teams/p/portsmouth/8696013.stm
£500k a year managing a championship team or £3M a year with
WH............oh dear what shall I do.
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Justin Credible
May 19th 10 05:22 PM
My wife has an option to buy Wal-Mart shares in a couple of years time at
20% below what they were valued at last year.
Talking about a run on the pound as a result of the coalition government
here, I joked "good, good, the weaker the pound the better" and when I was
asked why I explained about the shares to be bought in dollars.
"But you want a strong pound" I was told by more than one...
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thedarkman
May 16th 10 03:34 PM
I've recently been contacted by someone I knew a while ago through my
research work. In 2008 he had a small business debt, under 2 grand.
I don't have the full story but he went into hospital for treatment
for a couple of weeks - he's getting on a bit now - and let it get out
of hand.
The bottom line is that Price Waterhouse and associated scum have run
up a "debt" of sixty grand with all sorts...
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paulfoel
May 14th 10 03:31 PM
OK. I have problems getting any sort of loan (mainly because, I
think, of the high limits on some of my credit cards).
Anyway, all the credit cards are in my name, with wife as additional
cardholder. Shes got nothing in her name at all (apart from joint on
mortgage).
If she applies for a loan, do they automatically take into account my
debts because I'm married to her, or is it purely on...
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Rob[_5_]
May 14th 10 06:42 AM
I hope this is simple. A Self Employed contractor uses the family car
for the following journeys. Do they count for mileage when it comes to
Self Assessment? Journeys are only for the work involved - would not be
made otherwise.
Contract Cleaning: Journey to and from the site where the companies he
cleans for have their offices.
Newspaper round: Driving to shop to collect papers. Driving...
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Ronald Raygun
May 13th 10 10:26 AM
Tim wrote:
So ... is the APR: +6940%, +4.6 quadrillion %, -91.3%, or
+/-12.9 trillion % or +/-3.7 quintillion % ??
I mean, what would need to be quoted by law for a loan of this type?
"Ronald Raygun" wrote
Well, since the lender would be unlikely to let the borrower close
the account except at the originally agreed time, the last two are
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thedarkman
May 11th 10 09:34 PM
Call me Dave;
Farewell Gord,
Now the debt's mine,
Oh Lord!
Call me Dave,
Labour's out,
Now there's
Tory cuts about.
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Justin Credible
May 11th 10 05:22 PM
Just musing over a present real-life scenario and would appreciate any
thoughts.
Assume a company distributes a product across a given region. It currently
uses an external third party to carry out this task at a cost of, say, £10m
per year.
The company already has a transport arm but bringing the distribution
in-house would cost, say, £15m (the third party can undercut the in-house...
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Greatest Mining Pioneer of Australia of all Times
May 9th 10 03:38 AM
Yes indeed, I am in a position to do so since I have at hand the
microfilms of the Day Dawn & Narla Meetings, Reports of Directors,
Reports of Consulting Geologists etc
Those good people will be interested to know how they have been
fleeced by the noted Mining Criminals & their acting Geological
Frauds, Liars, Thieves & Criminals employees, Namely Koehn, Thomson,
Tyrwhitt, Searls, Borner...
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Greatest Mining Pioneer of Australia of all Times
May 9th 10 02:03 AM
On May 8, 3:15*pm, "George" wrote:
http://www.newscientist.com/article/dn18874-survey-finds-20-billion-o...
Survey finds $20 billion of hidden Aussie gold
Not at all ! The Rooney show on its own is just worth that, and two
more major deposits in the South East of WA will never be found,
since I have observed that only what I handed was "discovered" by the
local Pukes & what I did not...
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Gordon H[_3_]
May 7th 10 11:23 AM
I want to transfer around £300 to my grandson in California, (help him
out with a laptop purchase), any suggestions on the most cost-effective
method would be appreciated.
TIA
--
Gordon H
Remove "invalid" to reply
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regulator
May 7th 10 10:42 AM
Pedt "\"@ wrote:
In message , at 09:45:55 on Fri, 7 May
2010, regulator wibbled
Although many people post here for the wind-up value, putting that
aside this really is beyond comprehension.
People go on and on about Conservative policies from Thatcher's day,
while voting for a party that has systematically and completely ruined
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thedarkman
May 6th 10 05:36 PM
What a load of ********. Only capitalism works. Your stupid
socialist ideas are long discredited.
If I were conspiratorially minded I'd say you were a bankers' shill
instead of the arsehole you are.
Social Credit is NOT socialism and it has NOT been discredited, but
this is NOT Social Credit. You are simply repeating the same mantra
over and over again, proof by affirmation.
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vjp2.at@at.BioStrategist.dot.dot.com
May 5th 10 09:11 PM
The Greek government should introduce a pension equity tax. Pensions
deemed to be excessively generous should be taxed and the proceeds
used to pay the pensions of the needy. This would work like Obama's
tax on "Cadillac Health Plans". For example, a hairdresser who
retired at 50 istead of 67 would have to pay for the extra seventeen
years. SUch a tax can be used to bring EU pensions in line...
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Albert Koelmans
May 3rd 10 07:50 PM
Hi,
My daughter and son-in-law are buying their first home. We can afford to
lend them the money, and charge a lower interest rate than the bank does
(which is still a lot better than what we get as interest from the bank),
and keep the money in the family. I am wondering about e.g. tax
implications here. Will my daughter have to pay tax on this? Is it
possible to legally structure this as...
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Slainte
May 2nd 10 01:17 PM
First; I know nothing of how world finance models operate, but with all this
talk about financial crisis around the globe I'd like to understand at least
how the model operates (or is supposed to operate).
So, who's got the cash? With the UK and as far as I can see most of the
European countries running a continual deficit, not to mention USA et al,
where do the loans come from. Who's got the...
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thedarkman
May 1st 10 09:07 PM
On 1 May, 08:27, Freddy wrote:
The European Commission, European Central Bank, the IMF and the Greek
government will unveil Greece's austerity programme on Sunday morning
in Athens, euro zone spokesman Guy Schuller said. *The euro zone
finance ministers will meet a few hours later in Brussels to approve
the loan package and spell out its full size, he said.
The real problem and the...
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