Accounts programmes
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Hello, I'm new to this forum. I am 76, still got a bit of a functioning brain, but am thoroughly fed-up with accounts programmes on my computer that are so American based as to drive me up the wall! And I really don't' want a programme that seems to think we all want to link up banks etc online. All I need is a simple programme that helps me keep track of all the nitty-gritty of everyday finances, why is that so difficult? I think I will go back to keeping it all in a book but I'd rather not - I'd probably put the thing in that 'safe place' where all sorts of other stuff has disappeared to!!
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Fisher Investments
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Hello everyone, I have been looking at moving my 4 pensions into a new investment with Fisher Investments. Has anyone any experience, good or bad with this company? I am thinking long term investment.
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I owe HMRC money due to a tax code error??
1 Posts Last Activity 02/03/2019
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4 yrs ago, I quit my full-time job. Two weeks later, joined an agency, which sent me to a workplace where I have worked since. So in all, I was working for the agency in my present job for 6 mths, and then I decided to become permanent, so my workplace was now paying me my wages. The following year I received a letter from HMRC stating I had not paid enough tax and I owed them £400. I am naive when it comes to tax issue to rang them. They told me, I had been put on the wrong tax code between the agency and my work place, and due to this owed the tax office the money. I have already paid half back (I could have paid in full at the time but refused out of principle) and just received a bill for the remainder of the money I owe. I am very angry about all this because no one is owning up to making a mistake. I don't pull my own tax codes out of a magic hat. The agency boss actually became quite annoyed with me when I made an enquiry with him, and he was adamant the mistake was nothing to do with his agency. My workplace have double checked the last 4 yrs and they cannot see a problem their end. So who is responsible for this? I have had no control over what tax code I use, surely that's payroll or the tax office? Can someone enlighten me please so I can better understand? TIA
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Cost of a Carer
2 Posts Last Activity 05/01/2019
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I am in my mid 80's and have a Carer come to help me to get in and out of the shower, dry my lower half and puts my socks on, puts out any rubbish, changes my bed linen when asked and makes me a cup of tea. The carer comes for half an hour and the cost is going up from £8.46 to £10.40 this month and going up again in April to £12.60. I know Carers do not earn very much money but I wonder how much of this increase will be given to the Carers. I think it is to do with the Minimum Wage. Do other people who have a Carer come in to help them pay as much as this?
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Buying the freehold of my house
1 Posts Last Activity 17/08/2018
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I am a 74 yr old widow and with my late husband bought our house in 1967 with it having a 99 years lease. We must have kept our heads very much in the sand because we have never bought the freehold and now with only 49 years to go I am extremely worried. I suppose I thought it would all be settled at the time it was sold either by me or my two married children. Now I have read up on this I am not so sure. Any answers out there please?
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Wills/Insurance policies
4 Posts Last Activity 17/08/2018
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Being of a certain age, we thought we would check through our paperwork, make sure our basic insurance policies are ok etc., We only have each other and one son, and have written a Will to go to each other or if only one of us here then to go to son. Our insurance companies are blinding us with Science, about probates/trusts etc., no matter what they say it is as clear as mud. We can't afford solicitors to deal with this, surely if a Will is drawn up this should be sufficient along with death certificate. What can we do?
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Equity Release
10 Posts Last Activity 05/01/2018
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Hi - I just wondered if anyone had tried Equity Release and if so, what did you think about it. Thanks.
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Council Tax - The appalling injustice
7 Posts Last Activity 10/04/2017
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Every one of us uses local government services. So why do so few of us pay Council Tax? I have just received my 2017/18 Council Tax bill which I am required to pay, regardless of my income or my ability to pay. I benefit from a single occupants discount. There are millions of adults (including many wealthy) who do not pay any council tax, merely because they happen to share a home. They consume but pay nothing. Essentially they are 'freeloaders'. The situation is further exacerbated when central government pushes more financial responsibility onto local authorities. Taxpayers make a saving and the burden is shifted to far fewer council tax payers. Taxpayers pay according to their means whilst council tax payers pay regardless of their means. So when your MP proclaims "fairness" in their pre election campaign, remind them of council tax. They will not want to know.
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Helping your children on the property ladder
8 Posts Last Activity 23/02/2017
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To what extent should we help our children get on the property ladder. Mortgages are a mine field, buy to let options, rent to buy, shared ownership. Now I have seen an advert if the parents pay a deposit it is refundable after three years with interest providing all payments have been met in that period. Seems a good idea but what are the pro's and con's I wonder? Speak to a financial expert and it becomes even more confusing. Decent rental properties are few and far between and rents are high. So what to do? Use capital and invest in property and trust that your offspring will not miss any payments - possible even with a lease and a direct debit?  Or buy a bigger property and all live together, no that's a step to far for happy family relationships. Privacy is paramount if only I had some secrets to keep!
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Think I've been mis-sold annuity - any companies which can help me with this?
1 Posts Last Activity 20/05/2017
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Hi everyone, I think I've been mis-sold annuity, but I'm not sure which company I should get in touch with to help me out. I've seen - http://www.emcasclaims.co.uk/financial-misselling/have-i-been-mis-sold-an-annuity/12 - specialise in this online but I was wondering if anyone has used them before/or if you would suggest any other companies to help me out? Thanks
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