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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Hi, I recently received my self assessment for 2002/03 !! in July 2004 as the IR hadn't been informed by my pay office of my change of address. As a result of the lateness of this return I am struggling to find out why I have been presented with tax owing of several hundred pounds ( I'm on PAYE and have little in the way of interest/dividends etc/other income.) Speaking to the IR they mentioned...

I've been told that Goldfish now require five working days to process a payment made by my bank (similarly Capital One, MBNA and Amex), while other card companies only require the payment to be made three days before the due date. Also, the payment "goes into a holding account for two days". Why are these four companies different? Robin

Hi Everyone, A quick question about writing cheques from a legal standpoint??? THIS QUESTION IS FOR UNITED KINGDOM BANKING/LAW ONLY!!!!!! I know this person who has a bank account that has no overdraft facility. This person is really bad at handling money so to make ends meet has started to persistantly write cheque guaranteed with a cheque guarantee card taking him/her overdrawn (typicall 12...

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...

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...

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 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...

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

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

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...

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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...

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...

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