Ask the experts: finance
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What's the best option for raising extra finance, equity release plans or the emotional route of downsizing?
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I've found a website that will reclaim any tax I've overpaid for a 40% cut of anything I get back. Is there a cheaper way I can do this?
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British Gas fitted us a new boiler. In the first two months it has broken down three times, and they've been less than helpful I would love to sue for my losses so far. Can I do this?
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With the recent changes to inheritance tax there has been no mention of the deed of variation, which my wife and I were told by our solicitor to include in our wills. Do we need to update them?
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I recently played an online poker game, paid for with a credit card. However, my transactions were charged as if they were cash advancements, and my card has since been suspended. Why?
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What's the best way to invest a large lump sum of money? John Edwards has some suggestions.
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Capital gains tax is liable when an individual makes money by selling an asset. Knowing how to use your tax-free allowance could save you a tidy sum, says John Edwards.
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I am nearing retirement and need to give the pension trustees of the various companies I worked for my new address so they can pay me the pension I earned when working for them. However, I have no contact details - I've heard there is a website or telephone number to help people find their various pension funds. Could you please help me?
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My husband unexpectedly died recently. Consequently, we had made no provision for his death. I now find myself alone with a daughter in her first year at university, and approximately £75,000 to invest that I will need in the future to supplement my retirement income. I want a steady investment that I know will provide me with a consistent return. Any ideas?
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As low interest levels make student loans fairly undemanding, it might be worth putting any extra cash towards other debts, says John Edwards.
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The variety of savings options available means you should weigh up the potential risks you are prepared to take, says John Edwards.
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If you have a substantial sum to transfer to a different currency, a specialist broker is likely to offer a better deal than your bank, says John Edwards.
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National Savings products potentially offer great returns on risk-free investments. John Edwards picks the best offers to boost your coffers.
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Child trust funds were introduced so that children turning 18 would have some money behind them to start their adult life. John Edwards looks at how to maximise the investment.
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Capital gains tax is levied on the sale of all assets. John Edwards explains how the government calculates the level of payments
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Q My bank's financial adviser has told me my family could face paying thousands of pounds in inheritance tax when I die. I also read recently that a Labour ex-minister said the tax should be scrapped and the Tories are also promising to make some changes if they get elected. What should l do? I have a house, which is now worth more than £400,000 (with an outstanding mortgage of £50,000), and investments including Peps and Isas worth around £150,000.
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It is hard to see the wood for the trees when faced with all the different saving options these days, says John Edwards.
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John Edwards gives you the lowdown on what to do if you have an endowment policy you no longer want.
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John Edwards explains the options open to Standard Life members expecting "windfall" shares next week.
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How best should a 55-year-old single woman invest a spare £50,000? John Edwards offers some solutions.
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Today's changes to pensions means workers with an employer scheme will also be able to invest in a personal fund to boost retirement income. John Edwards looks at whether that's a good idea.
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My 59-year-old husband opened a private pension and opted out of the state scheme. He froze it during a period of unemployment and did not restart it when he found a job. He has now been told to think about opting back in. What should we do?
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The budget is round the corner and the tax year is about to end. John Edwards explains how you can make the most of your tax-free allowances before it's too late
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I need to raise money and understand I can unlock some of the value of my home through equity release. Is this a wise move?
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As an endowment company is fined for mishandling endowment complaints, John Edwards looks at what you can do if your mis-selling claim has been rejected.
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I have been told by the company providing my small personal pension plan that I should consider "contracting in" to the second state pension scheme. Is it a good idea and what is involved?
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Child trust funds sound great, but choosing the best option isn't always easy. John Edwards explains how they work and runs through other options.
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John Edwards looks at the most cost-effective ways to move money across international borders.
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I have some money I'd like to invest for a year before I go to university. I'd like to put it out of reach so I don't accidently spend it. Do you have any suggestions?
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I've started in business as a sole trader but I'm using a personal account to run it - is this legal?
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My endowment is failing but I bought it before 1988. Am I right to believe that this means I can't get compensation?
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I am a non-taxpayer, yet the Revenue is taking 10% from my dividend payments. How can I get this money back?
We've inherited a heavy burden of care costs
Jill Insley: Hundreds of thousands who need day-to-day help, but not actual nursing, will still have to meet much, if not all, of their costs themselves.