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...

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...

Hi, I wondered whether there are any IFAs out there who would considering talking to me about the RDR review? Thanks Donna

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...

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...

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...

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

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

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.

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...

how long after a draw does he send out the winners cheques. ta

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?

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...

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

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

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...

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...

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...

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...

Going next week, will I get a better rate of exchange at the arrival airport...

Is there a last date that these are issued by. It seems to be taking a long time coming this year.

a year ago so they let him home..............with months to live http://news.bbc.co.uk/1/hi/england/london/10190104.stm

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...

http://news.bbc.co.uk/1/hi/uk_politics/8712383.stm £40 f'in grand.................he should be in prison.

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...

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.

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...

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...

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?

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

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,...

convicts find this trivial matter to pursue http://news.bbc.co.uk/1/hi/world/asia_pacific/10143347.stm What a f##'#~in joke.

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+,...

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.

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...

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...

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...

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...

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

Call me Dave; Farewell Gord, Now the debt's mine, Oh Lord! Call me Dave, Labour's out, Now there's Tory cuts about.

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...

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...

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...

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

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

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.

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...

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...

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...

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...

Does anyone know of any good iphone apps out there?