Moneystepper Q&a Podcast

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 thinking S&S ISAs but since I'll need to access it in short time I'm not sure where should I put it."  See acast.com/privacy for privacy and opt-out information.

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 of the property to my partner and they'll take on some of the mortgage. Are either of us liable for CGT?"  See acast.com/privacy for privacy and opt-out information.

Grant asks: "My question is how can I calculate all these benefits including the applicable tax and national insurance to ultimately work out my requirements from a freelance salary to match the financial position as an employee?"  See acast.com/privacy for privacy and opt-out information.

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-assessment form, what costs and expenses can I offset against profits and how far back can I go?"  See acast.com/privacy for privacy and opt-out information.

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 for my pension. I believe it more tax efficient to save in ISA at the moment other than a pension."  See acast.com/privacy for privacy and opt-out information.

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 however not received a raise for them. What/how would be the best way for me to ask my bosses for a raise?"  See acast.com/privacy for privacy and opt-out information.

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 (around £18k a year). What would you recommend I do to get a mortgage?"  See acast.com/privacy for privacy and opt-out information.

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 purchase which I didn't recognise. M&S said they'll cancel the card and send out a new one. What should I do?"  See acast.com/privacy for privacy and opt-out information.

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 recommend that I go for?"  See acast.com/privacy for privacy and opt-out information.

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 it as a company could I avoid the stamp duty? What other concerns or benefits does this bring?"  See acast.com/privacy for privacy and opt-out information.

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 at the beginning of the tax year or invest in 12 equal amounts throughout the year?"  See acast.com/privacy for privacy and opt-out information.

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 it for a year so that I'm eligible for PPR relief?"  See acast.com/privacy for privacy and opt-out information.

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 next month (Jan). Is this legit?"  See acast.com/privacy for privacy and opt-out information.

Hans asks: “Do you have any tips on the easiest and cheapest way to get your house valued?”  See acast.com/privacy for privacy and opt-out information.

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 potential protective measures or what might potentially be "really" going on?"  See acast.com/privacy for privacy and opt-out information.

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 ******* estate agents?”  See acast.com/privacy for privacy and opt-out information.

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 investing as wisely as I can, and always putting as much as I can away each month, won’t it look after itself?"  See acast.com/privacy for privacy and opt-out information.

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 heard about “SMART” goals but is this the best way to define my financial goals?”  See acast.com/privacy for privacy and opt-out information.

Today’s question comes from no-one. They haven’t asked: “Should I worry about money on Christmas Day?” :) Merry Christmas Everyone!!  See acast.com/privacy for privacy and opt-out information.

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 they want a whopping £600 to cancel early as I have a year left. What would the next best steps be?"  See acast.com/privacy for privacy and opt-out information.