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

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...

]] 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.

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...

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...

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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...

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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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...

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

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...

I have recently moved and inherited a prepayment meter. With all the hassle in the past with credit meters I don't dislike the idea of having a prepayment meter. However I'm not so keen on the tariffs. I note that BG used to have an online payment system, but it wasn't any cheaper than going to the local shop and paying by credit card. I would have thought an online payment would be...

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.

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

I typically give my sons a cheque as a Christmas gift. One of them has recently moved to the USA. Will he be able to pay the Natwest cheque (which I'm about to send with his Christmas card) into whatever account he now has please? -- Terry, East Grinstead, UK

Anyone got one of these cards which allow purchases up to £15 without PIN input? A R4 Moneybox listener was complaining loudly today because she was told she couldn't opt out of this arrangement, although there was a kind of grudging response that they might consider issuing cards which were opted out to those who objected strongly enough. (No doubt after the BBC contacted them). -- Gordon...

How do they do it? About 10 years after the dissolution of the USSR, Russian billionaires appeared on the scene. Something similar seems to have happened in a similar timeframe here and elsewhere. If you assume that these people somehow managed to start with one million, they would have had to double their worth every year to reach

Looks like I forgot to file a P11D(b) (Return of NICs due in relation to P11D) when I filed my P11Ds this year and have been assessed for penalty. No payments are due but it appears I should have filed a null return. Is the penalty absolute or does it follow the self assessment principle that you can't be charged a penalty greater than the tax due (ie zero in this case)? Any assistance...

What's wrong with them? They don't seem to realise what will happen if prices crash - those yearning for a crash (which presumably is either because they resent people having property of high value, or because they can't afford to buy themselves), seem to think that a crash will result in a glut of cheap property. Large numbers of people who bought over recent years had high % mortgages,...