Moneystepper Q&A Podcast
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Moneystepper Q&A Podcast
The Moneystepper Q&A Podcast answers your personal finance questions - three times a week. Just let me know your questions via at moneystepper.com/qanda, via email at moneystepper@gmail.com or any other way you like.Moneystepper Ltd is not a regulated financial advisor and the podcast is for enterta...
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96 эпизодов
Question 95 - Stopping Pension Contributions To Save For A House
Tina asks: "I'm 24 y/o and saving for a house. If I don’t stop contributing to my pension, next tax year I'll be paying 5%, and my employer will match...
Question 94 - Investing In Oil Stocks
Ian asks: "I have zero knowledge about investing, but I'm interested in oil stocks. Any idea where to start, and any specific company to invest in?"
Question 93 - How Much Rent Should I Pay My Dad
Heather asks: "I currently pay my Dad £120 towards the household expenses, as does my brother. My partner is due to move in, should he also pay my Dad...
Question 92 - Is The Share Price On Google Finance Right
Danielle asks: "The close price of shares on Google Finance is different to that on the Stock Exchange website. Is the data on Google Finance correct?...
Question 91 - Should I Repay My Student Loan
Tamzin asks: "I've been left some money by my late Grandfather and I'm trying to work out whether I should pay down my student loan. What do you think...
Question 90 - Capital Gains Tax On A Rented Flat
Frances asks: "I bought in 2001 for £137k as my only residence and its now valued at £400k, implying the CGT will be astronomical. How much CGT will I...
Question 89 - Debt Advice
Jim asks: "I've got into the habit of paying for things with my credit cards, and need some advice on paying down the debt that I've built up."
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Question 88 - Cancelling A Credit Card
Harry asks: "I have had a Santander 123 credit card for about a year. How negatively it will affect my credit score by cancelling?"
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Question 87 - Taking In A Lodger Draft
Sandy asks: "How should I inform if I'm getting a lodger. Will my insurance premium go up? Could my mortgage provider forbid me?"
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Question 86 - Investing in the S&P 500
Siv asks: "I plan to invest monthly £1000 in an S&P 500 ETF. Should I use S&S ISA or SIPP? Which platform or broker should I invest in?"
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Question 85 - Tax Implications on Selling To Buy Property
Lynda asks: "I wonder if you could advise me if there would be any tax to pay if we sold a buy to let property and invested money into another propert...
Question 84 - Capital Gains When Selling Two Properties
Sarah asks: "I have 3 properties that are rented out, and am selling 2 so I can buy a property for myself to live in. I have lived in all of them as...
Question 83 - What are the debits and credits on my CC
Barry asks: "I need some help understanding what my credit card portal information is saying. I don't understand the breakdown on the portal they give...
Question 82 - Should I Use My Credit Card More
Adrian asks: "I have a capital one credit card, which I got over year ago now, purely to just get a bit of credit history that I lacked. As I'm lookin...
Question 81 - Capital Gains On Sale Of A Garden
Gisele asks: "I read with great interest your article on Capital gains tax and I hope you can give me a clearer idea of my tax liability on a sale of...
Question 80 - How Should I Invest My Money
James asks: "I want to start investing but I am struggling with my next steps. I have £1000 saved already which will act as my emergency fund and I am...
Question 79 - Investing £25 per month
Tony asks: "I want to start investing in a stock & shares ISA but only investing £25 per month and would like to put it into a ETF that is fairly dive...
Q&A 78 - More Capital Gains Tax Questions
Emily asks: "We bought a London property in 2007. We lived in it for 2 years then on and off for a further 2 years.We rented this out from 2010 to the...
Question 77 - Stuck In A PCP Trap
Shelina asks: "I've got myself caught up in a PCP nightmare. Please can you advise me on what to do as I'm really stuck and it's really stressing me o...
Question 76 - Investing As A Teenager
Charlie asks: "Hello I'm currently 16 and wish to retire by age 40 with a pot between 1-2 Million pound. Apart from maxing out my S&S Isa on a low cos...
Question 75 - Where To Put 5k That I Need Next Year
Danielle asks: "I'm planning to move abroad with my partner in just under 2 years, I've just been gifted £5000 and I'm not sure where to put it. I was...
Question 74 - Capital Gains Tax On Exchange With Partner
Steve asks: "I have a property which the mortgage is in my name and is my sole residence. I have no other properties. I'm intending to exchange some o...
Question 73 - How To Calculate My Equivalent Self-Employed Salary
Grant asks: "My question is how can I calculate all these benefits including the applicable tax and national insurance to ultimately work out my requi...
Question 72 - What Expenses Can I Offset Against Property
Grant asks: "I'm looking to buy a house and rent out the house I currently own and live in. When I rent the property and fill in my first self-assessm...
Question 71 - Are ISAs or Pensions More Tax Efficient
Tony asks: "Where do I start to invest in stocks and shares ISA? Where do I go? How do I go about it? Etc. Aim of the ISA is for long-term savings fo...
Question 70 - Asking For A Payrise
Tony asks: I've been thinking for a while that I should get a raise. I have taken on various new roles within my firm and more responsibilities but ho...
Question 69 - Mortgages For Self Employed
Alistair asks: "I wish to move from my £210k house to a £305k property. Problem is I own a business and have always lived on the smallest amount I can...
Question 68 - Fraudulent Transactions on My Credit Card
Helen asks: "M&S have told me that someone had used my card without my knowledge. I rang up the fraud team and they told me someone made a £300 purcha...
Question 67 - Pension Advice
Ian asks: "I’m 25 and I've recently started working with a new employer. I've been given certain options in terms of salary sacrifice. Which would you...
Question 66 - Stamp Duty For Limited Companies
Rachel asks: "I know that new stamp duty of +3% comes is in effect in April 2016. I'm looking at buying a £110k flat to let out next year. If I bought...
Question 65 - Lump Sum or Drip Feed Investing
Angela asks: "Assuming I had the total amount ready to invest, what are your thoughts on the best strategy for it? Do I invest the full amount at once...
Question 64 - Capital Gains Tax When Gifting To Children
Petula asks: "I bought a flat in 1999 for £46,000 and have rented it out since then. I am considering selling it for around £150,000. Should I live in...
Question 63 - New Landlord Is Trying To Increase Rent Draft
Maria asks: "I'm a tenant in a flat that has just been sold. My lease is until Feb at £x but new owner wants to enforce new rent at £x+70 effective ne...
Question 62 - Getting Your House Valued
Hans asks: “Do you have any tips on the easiest and cheapest way to get your house valued?”
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Question 61 - Is There Something Dodgy Going On Here?
David asks: "I'm concerned about an elderly and perhaps slightly naive relative, Violet. Can you advise as to the risks of this, or about any potentia...
Question 60 - Can I Buy A House Without Estate Agents
Sally asks: “It goes without saying. Estate agents are ******* *****. Can I deal directly with the seller to buy the house and not deal with the *****...
Question 59 - Why Does My Net Worth Matter
Ben asks: "I’ve started filling in the Moneystepper Savings Challenge Tracking template. Why do I need to measure my net worth? If I’m always investin...
Question 58 - How Should I Set My Goals
Marilyn asks: "I’m about to set my goals for 2016 and was wondering what you though was the best way to set goals that I would actually achieve? I’ve...
Question 57 - Should I Worry About Money On Christmas Day
Today’s question comes from no-one. They haven’t asked:“Should I worry about money on Christmas Day?” :)Merry Christmas Everyone!!
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Question 56 - Can I Get Out Of My Phone Contract
Aisha asks: "My iPhone 6 plus is water damaged after I was caught in heavy rain. I've asked three about cancelling my contract (£56 per month) and the...