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This is MoneyShould the triple lock be saved? Work and Pensions Secretary says 'ratchet effect' means it can't last - is he right?This is MoneyThe state pension triple lock cannot last and could still be axed in 2020, according to Work and Pensions Secretary David Gauke. The controversial Tory manifesto plan to axe the valuable guarantee, which sees the state pension go up at least 2.5 per ...and more »
Telegraph.co.ukFirst-time buyers: four ways to capitalise on falling house pricesTelegraph.co.ukLast week, figures from Rightmove, the online estate agent, revealed the average asking price for British properties has fallen for the first time since 2009, down 0.4pc in June. This meant annual growth rate slowed to 1.8pc. While this may be good ...
International AdviserUp to £50bn pulled from DB schemes in pension transfersInternational AdviserThe amount of money being withdrawn through transfers from defined benefit (DB) pension schemes in the UK has reached a record £50bn since the pension freedoms came into force, according to new figures released by professional service group Mercer.and more »
Pension Funds Online (blog)On pension planning and the capacity to bear lossesPension Funds Online (blog)The nature of pension planning has clearly changed as active working people today are building up smaller pensions. As a result people, are now more often confronted with the outlook of having insufficient income for all their intended future expenses.
Mirror.co.ukThe 8 reasons banks say no - and how to make sure you get accepted next timeMirror.co.ukResearch shows there is a lot of ignorance around why get rejected when applying for credit cards, loans and mortgages. A survey by credit score firm Experian suggest a quarter of UK adults wrongly believe it is the credit reference agencies that make ...and more »
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Factsheets
We hope you find each of the articles here useful and pass them onto any friends or family you have that could benefit from them. We have even included a few questions posed by Members in previous Webchats in case you find them useful.
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Hello, I'm Liz Barclay  -

welcome to my website - www.moneyagonyaunt.com. Because of the grave economic climate at the moment I have gathered together experts from across the country to try and help you and your loved ones with your money worries....
Ask our experts questions directly, search for information from our fact sheets or talk to other members on our forums who might have similar issues or problems - and when you succeed - which you will, then come back and share your own success story. ...
Click here for the full story...

Hello, I'm Liz Barclay

 - welcome to my new website - www.moneyagonyaunt.com.  Because of the grave economic climate at the moment I have gathered together experts from across the country to try and help you and your loved ones with your money ...
Ask our experts questions directly, search for information from our fact sheets or talk to other members on our forums who might have similar issues or problems - and when you succeed - which you will, then come back and share your own success ...
Click here for the full story...

Property letting and taxation 

H,i I have a question regarding property letting and taxation. I have recently purchased a flat with a buy to let mortgatage that I have let through an agent. The rental income is £650 a month and the mortgage is £370.0 amonth. Am I ...
Hi You will need to declare all the income that you receive and then itemise all the expenses associated. One will then potentially cover the other, but You cannot just informally write one off against the other. It all needs to be listed and ...
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Cancelled Holiday

Dear Liz, I wonder if you could help solve this problem. Back in March, due to ill health I had to cancel my flight with Virgin Atlantic to Delhi. I did this by phone on March 14 th and was told I would recieve confirmation. I have received a refund ...
Dear John,  this is exactly what you say it is - a case or poor customer service. You will probably get the necessary document eventually but you have to keep pestering them. Resilience - and polite persistence - is the key.  I wonder ...
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Looking after Mum's money.

  Dear Liz, My mother is elderly lady, has dementia and lives in a care home. Until recently she managed her own affairs and her care home fees were paid by direct debit from her current account which was topped up from her savings account as ...
Dear AW, I know from the correspondence we’ve had since you first got in touch that your mother’s care home fees are still being paid although other transactions have stopped. This has proved to be a complicated case. While your mother ...
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property letting and taxation

Hi Liz,I have a question regarding property letting and taxation.I have recently purchased a flat with a buy to let mortgatage that I have let through an agent. The rental income is £650 a month and the mortgage is £370.0 amonth. Am I ...
Dear KS, Sadly the situation may not be that simple. Rent is treated as income and taxed in line with your basic or higher rate tax bands. You can offset the mortgage interest payments, letting agency costs and maintenance expenses again the taxable ...
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Setting the selling price for a property.

Can you inform what my wife's rights are in regards to selling her late parent's Bungalow? She has a 25% share, with the remaining 75% belonging to her sister.The unequal split was the result of her mother's will,which gave her share to her sister, ...
Setting the sale price for any property is ultimately up to the people who have the right to sell the property - the owners of the property or the executor(s) of an estate. Most people set the sale price after consultation with an estate agent, or ...
Click here for the full story...
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