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Telegraph.co.ukHow market turmoil has changed all these areas of personal financeTelegraph.co.ukThe outlying danger for borrowers is of panic spreading within the banking system. If lenders lose confidence and stop advancing cash to one another, the cost of borrowing could rise and mortgages become harder to obtain, as happened in 2009 and 2010.and more »
Larne TimesAdvice: How will I be affected by changes to the State Pension?Larne TimesAs a result, people who have been contracted out may have little or no additional State Pension as they are building up a workplace or personal pension instead. Starting with less than the full new State Pension: From 6 April 2016 you may be able to ...
The GuardianBA took flight when we tried to get a refundThe GuardianLast year our party of six used the British Airways website to book return flights from the UK to George Town in the Bahamas for a holiday. It was to celebrate my partner's ... In your shoes, we would contact your credit card provider and bring a ...and more »
The GuardianUnder-35s in the UK face becoming permanent renters, warns thinktankThe GuardianMatt Whittaker, chief economist at the Resolution Foundation, said: “With the average modest income household having to spend 22 years to raise the money needed for a typical first time buyer deposit – up from just three years in the mid-1990s – it's ...and more »
Daily MailConservatives threaten revolt against George Osborne over 'time bomb' taxDaily MailAs savings levels fall, around 6 per cent of Britain's gross domestic product would be wiped out over the next 20 years, according to research – the equivalent of almost £120billion in today's money. Businesses ... But Mr Osborne, under pressure to ...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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