Ask an Expert Get free advice from our fast-growing network of financial advisers.

Join SimplyFinance Ask. Learn. Grow.
loading webcam ...
When done recording, press "Save" on the player to submit your question.
Cancel
Cancel

up to 50 MB as avi, mov, mpeg4 only


close
View all answers

Top Answered Questions

Good Day !! I am JULIA NAVARO, Working with NAVARO LOAN COMPANY a Reputable, Legitimate & an accredited money Lending company. I want to use this medium to inform you that we render reliable beneficiary assistance as we`ll be glad to offer loan at 2% interest rate to reliable individuals. The Services Rendered include: *Home Improvement *Inventor Loans *Car Loans *Debt Consolidation Loan *Line of Credit *Second Loan *Business Loans *Personal Loans *International Loans *education loans. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You can contact me via e-mail: navaroloancompany@yahoo.com Yours Sincerely, Julia Navaro.


Hello everyone my name is Ann Barger, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to STANLEY KINGS . He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email{ godiaandsonscompany@gmail.com }.He told me he will offer me the loan that i only need to comply with them.I did as he told me and without any delay,i received my loan as he earlier promise. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet STANLEY KINGS through his email godiaandsonscompany@gmail.com . He is a registered reliable loan lender.


Hello everyone my name is Ann Barger, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to STANLEY KINGS . He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as introduce to him through his email{ godiaandsonscompany@gmail.com }.He told me he will offer me the loan that i only need to comply with them.I did as he told me and without any delay,i received my loan as he earlier promise. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet STANLEY KINGS through his email godiaandsonscompany@gmail.com . He is a registered reliable loan lender.


DO YOU NEED A LOAN TO START UP OR EXPAND YOUR BUSINESS? Zion financial services is a sincere and certified private Loan company approved by the Canadian Government, we give out international and local loans to all countries in the world, Amount given out $2,500 to $10 Million. We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration. Available now are MORTGAGE LOANS, PERSONAL LOANS, START-UP & EXPANSION OF BUSINESS LOANS AND NEW ARE UNSECURED & SECURE LOANS, CONSOLIDATE LOANS, CAR LOANS ETC Apply for a loan today with your loan amount and duration, Its Easy and fast to get, 3% interest rates per annum and monthly installment payments. email us now to apply: zionloanfirm.ltd@aol.com TO APPLY CONTACT: Peter James General Manager zion capital investment, Canada Email: zionloanfirm.ltd@aol.com


Greetings everyone. I'm Silvia Crowe i live in USA, I want to use this mode to say a special thanks to this wonderful company who made it possible for me to boost my business till now. I'm very grateful to them because all other company turned down my request, until i met this company who assisted me with a loan amount of [$400,000]. I want to thank the manager Mr Bob Tetro who seriously helped me through and ensure i get my loan. Their services is very safe, fast and easy. I consider them as the best company ever because they are real and legitimate, i have tried it and it worked for me and also for my friends and relations, so i know it will work for you too if only you can contact them. They are the best when it comes to lending of loan funds out they will never let you down. They also offer all types of loans to both individuals and company, you can contact them for a fast and safe loan funds via email: [tetroloanservices@outlook.com]. I will like to say thanks again for the help they rendered to me, so contact them now to obtain a legit loan today. Best Wishes. Silvia Crowe.


DO YOU NEED A LOAN TO START UP OR EXPAND YOUR BUSINESS? Zion financial services is a sincere and certified private Loan company approved by the Canadian Government, we give out international and local loans to all countries in the world, Amount given out $2,500 to $10 Million. We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration. Available now are MORTGAGE LOANS, PERSONAL LOANS, START-UP & EXPANSION OF BUSINESS LOANS AND NEW ARE UNSECURED & SECURE LOANS, CONSOLIDATE LOANS, CAR LOANS ETC Apply for a loan today with your loan amount and duration, Its Easy and fast to get, 3% interest rates per annum and monthly installment payments. email us now to apply: zionloanfirm.ltd@aol.com TO APPLY CONTACT: Peter James General Manager zion capital investment, Canada Email: zionloanfirm.ltd@aol.com


A binary option is related to forex trading. It is very lucrative trading options that offer high return on small investment. But it is only possible if you thoroughly understand the market’s directive and learn the factors that affect the asset’s position. Well it is not difficult to understand such points, simply go on the web and you will find several articles, expert tutorials, news, and discussion on various binary options platforms that will surely guide you in the right direction.


Hi, I am a finance adviser at Redrock Commercial Finance Ltd. I recommend you to take bridging loans from this company. This company will provide loans within 7 working days.


A blissful thank to to VSAC FEDERAL LOANS who help me out last month to obtain a fast loan to run my buisness, I was in a great risk of obtaining a service loan from one fake company who promise to render me the loan I seek for and they fail me, till I met this God fearing Loan lender who now help me empower the loan of $15,000.00 I recently used in my store, so I am very thankful and happy having these loan company service as a helping hand to the world to help those in a tough need of money, this company called VSAC FEDERAL LOAN TRUST FIRM "kingstonmarkserviceloanfirm@gmail.com" will help you get a loan without stress no matter your country, it takes them just 2hrs to processed your loan no matter the amount and it will be send to you in your bank account without delay, I am so so happy for the company, thank you again Mr Kingston Mark the manager who help me out when I was obtaining the loan, thank you again am so glad transacting with you and I promise to be announcing your company everyday because you are really truthful and reliable. thank you, you can email the company now to get your loan at: kingstonmarkserviceloanfirm@gmail.com.


Greetings everyone. I'm Silvia Crowe i live in USA, I want to use this mode to say a special thanks to this wonderful company who made it possible for me to boost my business till now. I'm very grateful to them because all other company turned down my request, until i met this company who assisted me with a loan amount of [$400,000]. I want to thank the manager Mr Bob Tetro who seriously helped me through and ensure i get my loan. Their services is very safe, fast and easy. I consider them as the best company ever because they are real and legitimate, i have tried it and it worked for me and also for my friends and relations, so i know it will work for you too if only you can contact them. They are the best when it comes to lending of loan funds out they will never let you down. They also offer all types of loans to both individuals and company, you can contact them for a fast and safe loan funds via email: [tetroloanservices@outlook.com]. I will like to say thanks again for the help they rendered to me, so contact them now to obtain a legit loan today. Best Wishes. Silvia Crowe.


Dear Sir/Madam. Are you a business man or woman? Are you in any financial stress or do you need funds to start up your own business? Do you have a low credit score and you are finding it hard to obtain a loan from local banks and other financial institutes? the solution to your financial problem is Ying Micro Finance Loan company. a) Personal Loan, Business Expansion. b) Business Start-up and Education. c) Debt Consolidation. d) Hard Money Loans. e) Mortgage Finance. We are a private financial Institution we offer 5% interest loan from the range of $5,000.00 to $20,000,000.00 from one year to fifty years. For more information and application contact us with the information below: Contact Mr. Ying. Email: (hai_ying43@yahoo.com) or (contact@haiyingonline.com) AN APPLICATION FORM WILL BE SENT TO YOU AS SOON AS WE RECEIVE YOUR MESSAGE.


Hi anniemac, What help do you need exactly? If your house is on a residential mortgage, you need to obtain "consent to let" from your mortgage company prior to renting it out. Also, you need to change your standard buildings insurance to a landlord insurance (which will cover your house, and your liability as a landlord, and more). Hope this helps. Ricky


Hi lindsey, There are insurance policies which will cover compulsory redundancy (not voluntary unfortunately!) and is usually designed to pay a tax-free income for up to one year and can be expensive. Hence, this should only be seen as a short-term safety net. Please see "accident sickness and unemployment insurance" for more details or reply back if you have any other questions. I would advise building up some emergency funds and savings to cover for the worst, and also some insurances to cover for long-term ill-health, which can drastically alter one's lifestyle. Hope this helps. Ricky


Email zionloanfirm.ltd@aol.com to get a quick loan today there service a well insured and guaranteed one... Thanks.


Hi dcox62150, Could you shed any light on what type of investment this is? Thanks. Ricky


DO YOU NEED A LOAN TO START UP OR EXPAND YOUR BUSINESS? Zion financial services is a sincere and certified private Loan company approved by the Canadian Government, we give out international and local loans to all countries in the world, Amount given out $2,500 to $10 Million. We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration. Available now are MORTGAGE LOANS, PERSONAL LOANS, START-UP & EXPANSION OF BUSINESS LOANS AND NEW ARE UNSECURED & SECURE LOANS, CONSOLIDATE LOANS, CAR LOANS ETC Apply for a loan today with your loan amount and duration, Its Easy and fast to get, 3% interest rates per annum and monthly installment payments. email us now to apply: zionloanfirm.ltd@aol.com TO APPLY CONTACT: Peter James General Manager zion capital investment, Canada Email: zionloanfirm.ltd@aol.com


This is not really enough information for me to give a clear answer. If (as I suspect) it was a 'defined benefits' scheme (where your pension depends upon your salary at the time of leaving, together with the number of years you worked there) it is likely that you have a pension which has been upgraded in line with inflation. If, though, you were with that employer for under two years, you might have had your contributions repaid to you, and will no longer have any benefits. The fact that you did receive a letter 18 years after having left the company suggests that you probably do have a pension. The best thing to do is to contact the Fiat HR section to find out. If this does not work then have a go with the Pension Tracing Service: https://www.gov.uk/find-lost-pension. Good luck!


I presume you wish to stay in your property and if so Equity Release may be an option. If you wish to discuss, please contact me 01273 390951. Regards - Graham


sensible advice, but as far as I'm aware not a necessity, unless that requirement has been specifically stated by the mortgage provider in their terms


Hello Taylor, Yes you definitely get cheaper rental properties in London. I think the West Hampstead is one of the good areas to live in. It’s North West about 15 minutes by tube from Oxford Street and has a strip of restaurants. I would however like to give some advice to anyone to is moving to London and wanting to rent a flat. I moved here 10 months ago from Australia. When I got here we found trouble finding a place that we liked and we end up finding well furnished properties to rent in Hampstead with the help of one of well know estate agency in London They only rent to foreigners and I thought that given the price I had found myself a good deal.


Hi Taylor, Recently the UK government announced that the new CGT charge on companies (and others) which will replace corporation tax for gains accrued after 6 April 2013 on residential properties sold for more than GBP2 million. Thus the increase of property values that took place before that date will not be subject to CGT. Re-basing to market value will be automatic although owners must obtain a valuation of the property to calculate the gains arising when the property is eventually sold, say Plaza Estate letting agents. This extension would yet produce a net increase in tax taken, because CGT is charged at 28 per cent, compared with 23 per cent for corporation tax.


This is too far ranging a question and so can only be answered in general terms. Government needs to raise money to pay for schools, hospitals, roads, rubbish collection and so on. Police and fire workers also need a wage if they are able to carry out essential public duties. Government raises this much needed revenue through taxation - both direct and indirect. The most obvious (and harder to avoid) tax is that on your income. Income can come from earnings, from savings and investments, from profits letting out property or from pensions in payment, amongst many other areas. UK law presently allows every citizen to receive up to £9,440 pa before having to pay income tax. Total Income from all sources is taxed on a gradually increasing scale from 20% up to 45% wherever it exceeds this annual £9,500 allowance. If citizens who come under UK tax law make a capital gain - profits on the difference between what they pay for something and what they subsequently sell it for (except their main home) - then this is liable to capital gains tax (CGT) currently levied at up to 28% of the gain. However as with income tax there is an annual allowance of income, or in this case gains, which may be received by an individual before CGT is due. This is currently £10,900. Make a capital gain of more than £10,900 however and the excess will be clobbered for tax. Citizens are required to assess their own income and gains and make an annual self assessment return to Her Majesty's Revenue & Customs (HMRC). However if your only income comes from being a paid employee then your employer effectively completes this annual reporting requirement for you by issuing a P60 document. Citizens still need to check this is accurate and thousands are incorrectly assessed - often where they have more than one income or where they have changed employment over the course of a tax year (which runs from 6th April one year to 5th April the next). There is however plenty of very useful guidance available on HMRCs website – do take a look. Other more obvious direct taxes include Inheritance tax (IHT) - at 40% on anyone's estate at death worth more than £325,000, and Council Tax. Council Tax is charged on the rateable value of the property you live in or the business premises you operate any business from. This can be well over a £1,000 a year and is used by your local authority to help pay for local facilities and services. Councils top up this income with Government funding and charges for such things as car Parking! Beyond these more obvious direct taxes are indirect taxes like value added tax (VAT). VAT is charged on the purchase price of most goods and services with a few exceptions for certain essentials like some food items, kids clothes and so forth. VAT is currently imposed at 20% so adds almost a quarter to the cost of most things you buy! You cannot avoid it so it is a big revenue raiser for Government and has been standardised across the European Union to try and avoid pricing bias across the free market area. Fuel duty on the petrol or diesel you buy is another hidden indirect cost and the list goes on and on... National Insurance Contributions are a tax on those working and earning and is paid at up to an astonishing 25.8% on employees wages (broken down as up to12% of 'middle band earnings' paid by employees and up to 13.8% of similar 'middle band earnings' paid by employers! NIC taxation may be seen as indirect because it is normally taken at source and facilitated by employers. However the Self employed must register and pay their contributions via direct debit . Add in alcohol and cigarette duties, corporation tax - paid by business on their profits - and the list goes on and on. Indeed studies show that it can take the average citizen almost half the year to pay all these combined taxes before we start earning money for ourselves to take home and enjoy!!! In my view the tax burden is far too high and stifling enterprise, job and wealth creation. We therefore need to cut back on things like non contributory and overly generous Government pensions, quangos, management consultants, excessive wages, generous redundancy packages for public sector workers, nuclear submarines, overseas military entanglements and, biggest of all, our health care and welfare benefit systems. We are drowning in debt as it is and certain politicians believe that Governments only escape route is to impose yet more taxes!! If you think that you are taxed enough as it is then the only alternative is to cut our bloated public services.


This is too far ranging a question and so can only be answered in general terms. Government needs to raise money to pay for schools, hospitals, roads, rubbish collection and so on. Police and fire workers also need a wage if they are able to carry out essential public duties. Government raises this much needed revenue through taxation - both direct and indirect. The most obvious (and harder to avoid) tax is that on your income. Income can come from earnings, from savings and investments, from profits letting out property or from pensions in payment, amongst many other areas. UK law presently allows every citizen to receive up to £9,440 pa before having to pay income tax. Total Income from all sources is taxed on a gradually increasing scale from 20% up to 45% wherever it exceeds this annual £9,500 allowance. If citizens who come under UK tax law make a capital gain - profits on the difference between what they pay for something and what they subsequently sell it for (except their main home) - then this is liable to capital gains tax (CGT) currently levied at up to 28% of the gain. However as with income tax there is an annual allowance of income, or in this case gains, which may be received by an individual before CGT is due. This is currently £10,900. Make a capital gain of more than £10,900 however and the excess will be clobbered for tax. Citizens are required to assess their own income and gains and make an annual self assessment return to Her Majesty's Revenue & Customs (HMRC). However if your only income comes from being a paid employee then your employer effectively completes this annual reporting requirement for you by issuing a P60 document. Citizens still need to check this is accurate and thousands are incorrectly assessed - often where they have more than one income or where they have changed employment over the course of a tax year (which runs from 6th April one year to 5th April the next). There is however plenty of very useful guidance available on HMRCs website – do take a look. Other more obvious direct taxes include Inheritance tax (IHT) - at 40% on anyone's estate at death worth more than £325,000, and Council Tax. Council Tax is charged on the rateable value of the property you live in or the business premises you operate any business from. This can be well over a £1,000 a year and is used by your local authority to help pay for local facilities and services. Councils top up this income with Government funding and charges for such things as car Parking! Beyond these more obvious direct taxes are indirect taxes like value added tax (VAT). VAT is charged on the purchase price of most goods and services with a few exceptions for certain essentials like some food items, kids clothes and so forth. VAT is currently imposed at 20% so adds almost a quarter to the cost of most things you buy! You cannot avoid it so it is a big revenue raiser for Government and has been standardised across the European Union to try and avoid pricing bias across the free market area. Fuel duty on the petrol or diesel you buy is another hidden indirect cost and the list goes on and on... National Insurance Contributions are a tax on those working and earning and is paid at up to an astonishing 25.8% on employees wages (broken down as up to12% of 'middle band earnings' paid by employees and up to 13.8% of similar 'middle band earnings' paid by employers! NIC taxation may be seen as indirect because it is normally taken at source and facilitated by employers. However the Self employed must register and pay their contributions via direct debit . Add in alcohol and cigarette duties, corporation tax - paid by business on their profits - and the list goes on and on. Indeed studies show that it can take the average citizen almost half the year to pay all these combined taxes before we start earning money for ourselves to take home and enjoy!!! In my view the tax burden is far too high and stifling enterprise, job and wealth creation. We therefore need to cut back on things like non contributory and overly generous Government pensions, quangos, management consultants, excessive wages, generous redundancy packages for public sector workers, nuclear submarines, overseas military entanglements and, biggest of all, our health care and welfare benefit systems. We are drowning in debt as it is and certain politicians believe that Governments only escape route is to impose yet more taxes!! If you think that you are taxed enough as it is then the only alternative is to cut our bloated public services.



Meet our members!

These top contributors make SimplyFinance the top personal finance community in the UK!

Financial Advisers

Happening Now

ColdwellBankerTP joined SimplyFinance 2 days ago

Durango04 joined SimplyFinance 3 days ago

RobertJack answered the question: i need cash loan but i am in bottom credit rating section. I receive student finance plus tax credits and child benefit for 1child. 1 week ago

Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Read More

ricardosmart54 answered the question: I need a large loan (£30000) but don't want to borrow against my home. 1 week ago

Do you and urgent loan today? email ricardosmart54@gmail.com form more info. Read More

ricardosmart54 joined SimplyFinance 1 week ago

Receive our FREE newsletter

Full of savings tips & special offers

ExpertsAdvice from UK's leading experts