There are ways to save money and one of them is "not to lose due to greed". Now a days there are various companies offering you to take advantage of recession and provide you with "below market value / BMV properties", some of the names are Choices Acquisitions part of bigger group and also operate as choices co uk estate agents, fasttrackproperty, Axis etc (google bmv properties). Most...

Ive come across an interesting website Id like to share with you. It is loan-market.co.uk and it offers free loan advertising. You just simply post your offer or request and then you are contacted by private investors with their offers. Thus you can choose the most suitable conditions for you, you may also get great financial tips. It is wort trying. I hope this will help you :-)

I want to change a largish amount of Euros (currently in a euro account at my bank) to sterling. I have spoken to Currency Solutions which I found on the net. They say they are FSA registered and seem to offer a good rate. How safe will it be to send my money to them? Is there anyone better to do the trade with?

Hi I will be moving to the Uk/London in April 2012 and I was wondering to apply for finance within the uk is it better to go direct to a bank or maybe use a broker? Thanks for your help in advance. Thanks Emma

Heya all, Just been investigating a few things and I want to Air my Thoughts here and get some feedback. With the looming/in progress Euro crisis,and the leaked German Memo outlining their plans for a "EU Superstate"-like financial commission with the ability to run a countries economy if they spend or borrow outside of EU set Guidelines. I have been thoroughly worried about the state of the...

hi every one today i started my course and i felt confused becauce my lecture asked me to do report in some company in the uk , the problem is i do not have any idea how i can collect some important information about it. the question is prepare a report on a company quoted on the london stock exchange , whose prices are shown in a daily newspaper. please just tell me how i can find the...

Hi, apologies if this has been covered elsewhere, but I have gone back ten pages through the forum and cant find it covered. My question is how do I make my savings utterly safe in case the brown stuff hits the fan. I am not worried about interest rates, only that, if the world banking system goes tits up, my life savings will be safe. For example I have some money in NS&I premium bonds, these...

I am the main beneficiary to a family trust that has about £400,000 invested in bonds and shares and i receive a monthly income from that. My son and 2 grandchildren are also beneficiaries, my son will become the main benficiary when i die. There are high administrative costs accosiated with the trust and mainly for that reason i am looking to wind it up. There are three trustess, myself (70)...

Pensions: I am an employee paying into a company pension fund, also uptil 2002 I had a SERPS (State Earnings-Related Pension Scheme) account with Legal and General. Recently they sent me a statement which showed that I had around £4700 locked into that fund until I am 60 (retirement age) which will be in 18 yrs time. I have decided to paye £25 pm into that fund to enhance the fund for...

Good day! Our company is going to open account in bank in UK but we have some questions. We have more than 50 transactions in day so we want that our process of payment was automatized. Please advise me what Bank have internet-banking which allow to use import/export transactions. For example, load some transactions from file that process of payment will not manual. Is it possible, what format of...

There is a scheme still active for the next financial year that will allow a saving of about 50% of your stamp duty when buying properties over £500K - obviously the larger the value of the property being purchased the more the saving. This scheme, unlike others, does not insist you use a particular solicitor, you can use your own and therefore have that extra peace of mind. No up front fees I...

Hi Late again! We're just rushing to get our Abbreviated Accounts sent out in time (for a simple £80k turnover business) Can anyone help by telling us if it's OK to amalgamate "Stocks", "Debtors" & "Cash in hand" into a single figure of "Net Current Assets" We've used the single figure in past abbreviated balance sheets without being queried on it, but when we try using the on-line form it...

Hi. I'm new to all this so please understand if my questions are 'basic'. I've been offered investment in Barclays "14 per cent. Step Up Callable Perpetual Reserve Capital Instruments". It's interesting but where can I check an Index to see it's current value/yield etc? Is it actually traded on the Bond Exchange ??? Or a Credit Agency Rating for it. Anything !!!!!!!!!! Thanks for your help. Morris

News today that only 6% of the 200,000 new jobs created in the past year are full-time, and part of the problem is that there are lower financial obligations for workers who work less hours, why do employers not just pay people cash in hand and tell them they must be responsible for their own tax and NI? I understand there is some issue with 'contractors' but I don't understand it, but would...

Re charities in general, this is my latest effort. What Gates does with his money is his own affair but I think a distinction should be drawn between charity and humanitarian aid. http://www.financialreform.info/f_r_billionaires_club.html "Salvation Army under fire over tycoon's profits bonanza

Between monetary polices Where are markets heading to? http://www.wepersons.com/Where_are_markets_heading_to.pdf

e.g. http://www.dailymail.co.uk/news/article-1200647/Celebrities-sports-stars-600-victims-80m-Madoff-Ponzi-fraud-UK.html http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6335954.ece http://www.independent.co.uk/news/business/news/police-raid-scheme-accused-of-16350m-scam-1689247.html A relative invested a load of her money and also a few k of a...

Where can I find the interest rate that the UK is charged on its national debt, and comparative figures for the rest of Europe? Also a chart graphing their progress over time would be helpful! Thanks

I've got some money in one bank current account, that I want to transfer to another bank current account. Can I write out a cheque to do this? Who do I make the cheque payable to - do I write my own name? Thanks a lot for any advice.

Bungling taxmen get £13m bonus Officials recieved a drastic increase in bonuses last year despite mistakes that lead to 1.4m people having to repay taxes Rosie Kinchen Published: 23 January 2011 Tax officials were paid more than £13m in bonuses for good performance last year despite mistakes that led to 1.4m people being asked to repay an average of £1,400 in the run-up to Christmas.

I have a charge in my name on a uk property is it possible to sell this charge if so could some one give me a company to contact or some idear what to do thanks dave.

An owner of an investment property makes a gift of half of the property to two family members before selling it. Will the CG on the original cost of the property to the final sale price be shared equally between the three? Is the valuation of the property at the time of making the gift of any relevance other than for stamp duty?

Hi all My understanding is that there is now a guarantee on savings for each "institution" to cover £85000 in savings for an individual. As an executor of my late father's accounts, do the savings I am holding in an account for future dispersal count as part of my own savings allocation? Also, if the total of my father's savings exceed £85000 can I split this between 2 institutions to avoid...

Are there any rules about post dates and payment by cheque for a licence which runs from the 1st January, what should the prevailing rate be? In this case a cheque was posted on the 30th December, with a witness, though no proof of posting, yet I have a balance owing on the difference between the rates of VAT, such that the cost is based on the current rate. I thought where payment was...

Hi I'd be grateful for some people's thoughts on this. In March I am going to Romania and in fact I will be coming and going there over most of 2011. I'm making a film there (it's not a Hollywood blockbuster, but just me and a small camera making a documentary).

Basic details of how it would be funded are given below. http://www.financialreform.info/f_r_free_travel.html

Can't find anything online, everything seems to want to calculate liability for the year. My sister is temping and the only way to get wageslips is online; the agency website is being overhauled so she can't access her wageslip for the last two week's work. In a nutshell, she worked 84 hours @ £9 an hour and she's had £632.40 paid into her bank account.

Could anyone please enlighten me on these questions: 1. What is the purpose of reporting the disposal of assets worth more than 4 times the annual exempt amount? Would I still be taxed if my actual gains is less than the exempt amount? 2. Do I have to report gifts received anywhere in my tax return? For example, if my dad gave me £10,000 do I have to declare it (and where)?

I own a property that was my main home and is now let. The proportion to PPR (even including the last three years) is now such that I'm on the edge of paying CGT were I to sell and it gets worse year by year even if the propery doesn't rise in value (or even falls). Basically PPR + residental lettings relief + annual CGT allowance = Gain. I'd like to crystallize my gains and I'd be interested...

On Jan 9, 4:06*pm, "Ophelia" wrote: I say bloody well done to the ONE newspaper who ais standing up for us! Leaving aside the rights and wrongs of being in the EU, would it actually be economically viable to survive outside of it? Could we trade with EU members as we do now? What would change?

We live in a purpose built block of 36 flats near Heathrow. The lease states that all leaseholders should pay the service charge within 6 months of the end of the previous financial year - that is by September. The lease also states that the formally audited service charge accounts should also be sent to all leaseholders by then. The managing agents are estate agents. The owner of the...

Hi all I'm foreign in the UK. Thanks if any body can help me. I used to live in London, then moved to the different city. My situation looks like I've applied fro credit card, and my previous address has some problem! I have no idea, as somebody used to live there before me. What I have to do? Who I have to contact? I want report somewhere or do something as in future I'm going to buy some...

We were chatting over lunch about these rare occasions when you end up with a £90m jackpot because it's rolled over half a dozen times or so. Assume for the sake of argument that the ticket cost is still £1.50 and there's no Mickey Mouse raffle. The odds are something like 1 in 76 million? So, hypothetically, why did no-one ever borrow £114 million and buy every single combination of numbers?

In case that you have not noticed it otherwise, I have answered the question he http://www.irish-lawyer.com/journal/2011/1/1/it-was-the-lending.html A short URL which will bring one to the same place is http://bit.ly/geNTLz Note that the answer to the "who ?" question is different (but not very much

I have seen it stated in uk.rec.cycling moderated: "Pretty much every household insurance policy offered for sale in the UK covers third party insurance for all cycle accidents of any member of the household. I'd challenge you to find any that does not." Is that really true - and how would one find out?

Currently, it's still saying winnings up to Dec 2010 when I put in my holder number. Last month I checked at the start of the month and didn't notice and assumed I hadn't won until the warrant arrived at the end of the month. Also, currently on the High Value Winners page there is "Higher value winners for November 2010"

For those that wish it, the facility to have any prizes that one wins paid directly into a nominated bank account has become available. NS&I appear to have launched new services of phone and online access. They already have online access for their ISA, but are now doing Premium Bonds as well. Part of the online access is payment of prizes into a nominated bank and email notification. ...

]] Pass it on. If your not one of the Sheeple ! Henry M. Paulson, the Secretary of the United States Treasury was executed by the United States Militia for treason against the American people ! This is being kept secret so not to start more copy-cat scenarios.

Got a letter from the DVLA about a tax disc refund which says "We cannot process your refund for one of three reasons. Read the reasons below and decide which one it might be and then follow the instructions overleaf for sorting out that reason." It just sounds really silly for them to say "We can't process your refund but we don't know why - please tell us!" Spoke to someone there on the...

Just tried to shred some old paper trails and found an old savings book with a balance of £1100.00. Is there somewhere a way of computing the value without loading 300 odd Bank of England base rate changes since 1981? ( My wife can't remember squirreling the money away, but I am just curious as to todates value!) Naturally, I am also pleased to save this document from the shredder :-) Fred

Just received my wife's credit card statement today, we always pay off in full so it's academic but here you go...... Balance = £887.21 (yeah, yeah, Christmas expenditure) Min payment = £23 If I make the minimum payment by the due date, estimated interest is.........wait for it, drum roll......£22.94!!!

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I've just finished paying off my Hoiday at Butlins. I was informed by Butlins that I would still have to pay the VAT increase. Can they do this??

Back in August I started a new credit card with my bank. I am pretty confident that I signed a DD mandate to pay off full amount each month. I looked at the status of the CC online yesterday - and saw that there was a current balance of £700ish to pay - I knew that I had not spent £700 in the last month. When I looked at the statements since August - I saw that I had in fact not paid any amount...

http://thescotsman.scotsman.com/news/Clydesdale-to-pay-out-after.6673536.jp quote Clydesdale Bank has been ordered to compensate a proportion of its mortgage customers whose repayments were increased after a computer error. Those due to receive a settlement are among the 18,000 Clydesdale customers on variable rate mortgages - including 10,000 in Scotland - who faced increases in their...

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My mrs left a job in 1978 with a "frozen" pension. It was due to be taken in Aug 2010 when she was 60. They have offered her: 1. A pension of 1100 per year, or 2. 5000 + a pension of 760 per year We think (2) is much better than (1), but would prefer to take a "transfer value" into a SIPP, then take 25% lump and do draw down.

It is a slow day in a damp little Irish town. The rain is beating down and the streets are deserted. Times are tough, everybody is in debt, and everybody lives on credit. On this particular day a rich German tourist is driving through the town, stops at the local hotel and lays a €100 note on the desk, telling the hotel owner he wants to inspect the rooms upstairs in order to pick one to...

That's Office of Tax Simplification for those that don't already know. Their report is linked from he http://www.hm-treasury.gov.uk/ots_taxreliefsreview.htm and they have asked for comments upon their methodology for a number of "test" cases. The one that concerns me (just in the general sense, not because I have an

Hi all I am an Excel "expert" and know my way around Double Entry but I am not a Tax Expert. I am trying to put together a CV showing what I can do to take care of the humdrum office trivia, as well as the more serious stuff. My introduction is here and if anyone would care to proof read it for errors I would be very grateful. I would also appreciate a link to Sage Nominal Codes that are...

Does anyone know of any good iphone apps out there?