| Tony Hetherington |
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| Q & A advice |
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Tony Hetherington answers your questions of Shopacheck loans, the Lambeth Building Society, new names in the banking market, Isas and shares in Norwich City FC.
10 May 2008
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Recently I moved in with my fiancé and let my property, which I am buying with a mortgage from the Woolwich. I earn about £1,000 monthly before tax. Should I be declaring the £550 monthly rental income for tax? Also, would I be liable for capital gains tax if I sold my property at a profit after a couple of years?
03 May 2008
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As you will know, national insurance contributions for many people have just risen sharply. The company I work for operates a 'salary sacrifice' scheme.
26 April 2008
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This week Tony Hetherington answers questions on'boiler room' share sellers, investing in oil, bank charging pensioners for current accounts, how tax is calculated on dividends, and the size of the Premium Bonds fund.
19 April 2008
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Q: My daughter has a Norwich Union with-profits policy that matures later this year. Given the delay by Norwich Union in deciding on the distribution of its orphan assets, can policyholders keep their policies eligible for a share of this pot after they mature? E.
12 April 2008
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My father was killed in the war in 1940, when my brother and I were both under 16. After my mother's death, my brother found a letter from her solicitor, referring to some money held in trust for us.
05 April 2008
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I read with interest your recent advice about spreading large savings deposits around so as not to be caught by the £35,000 ceiling on compensation claims. However, if I purchase an annuity, is there any safeguard against the provider being unable to pay me at any future date?
29 March 2008
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Tony Hetherington answers questions on PAYE code error, bank charges, 100pc mortgages, the Kelda Group and making a will.
22 March 2008
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I keep reading that the Chinese economy is booming while ours is slowing down. Is there an easy way to invest in China? Does it even have a stock market?
15 March 2008
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Q: When you wrote recently about investing in a tax-free Isa, was there any reason that you did not recommend the Abbey Isa? It yields 10pc interest, which is nearly double what I have seen offered elsewhere.
09 March 2008
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This week Tony Hetherington answers your questions on spreading savings, Isas, a solicitor's request for ID, organising a debt consolidation loan and letter about the Spanish lottery.
01 March 2008
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My wife has received a handwritten envelope, posted in the US, containing pages from the Weekly Journal. The article offers a health product costing £44 a month.
24 February 2008
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I advertised my Jaguar for sale in a motoring magazine and someone from Vehicle Connect called me to say it had buyers all over the country who would pay the asking price or more.
16 February 2008
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I was briefly overdrawn because cheques I deposited took longer than expected to be credited to my account. The bank charged me about £40, which was three times the amount of my overdraft.
09 February 2008
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