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Oops! ISA Mistake
So just got my new ISA from Nationwide opened today and for the first time I can see the account in my online banking. I immediately transferred in £500, then a few hours later I realised that I have another ISA with a different provider which I have deposited into this year, so I immediately transferred my £500 back out…
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Platforms vs Platforms
I'll be opening my investment platform account in the coming days and was wondering which platform had better customer support and hand holding. I was thinking of going either AJ Bell or HL. I'm not too worried about the platform fees to initially as I'm just starting out and will make the necessary changes later (I…
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Property or Finacial Assets
I'm sure we all know this and of course you should be invested in a balanced diversified portfolio of bonds, gilts, equities, cash and property to suit your risk profile. But to answer an age old question - property or financial assets? Most people today would say property - buy to let is (was) popular amongst most people…
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Investing during Brexit
Hello Looking for people's opinions on the following: The UK economy looks uncertain with Brexit, and London property prices drooping. I am currently planning and forming two stocks/bonds portfolios. One will be for income (58% UK shares/bonds) and the will be for growth (20% UK shares/bonds). Both portfolios will be…
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Child savings account for non resident infant
Has anyone found a UK bank that offers child savings account for non resident infant. I am from UK, now live in US. My baby was born in US to American father but we are applying for UK passport with British embassy. So he will have UK citizenship. He was given British pounds by family as a gift (I dont want to convert…
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Missed skipton lifetime ISA deadline. Any advice?
Hi, I’ve been really stupid and missed the deadline for transferring my Help to Buy isa to lifetime isa. Any helpful advice? Or do I just need to wait until next year and put an earlier reminder in my diary?
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'Phoenix firm' burnt through my savings
Another week goes by and yet another news story about bad Financial Advisors as reported in The Sunday Times 4 Mar 2018 (@ST_Money) The article reports: Terence Brimble of Chippenham, Wilts received fees in excess of £100,000 over five years from Jackie Naghten and Louise Brassey who were his clients. His recommended…
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Care Home fees Means Test, how far do LA’s go back
Hi, I’m new to the forum. My Mother is likely to have to go into a care home in the short term, at least. Despite trawling the Internet, I’m yet to find anything that might tell me how far back LA’s go when they seek financial information. My mum has gifted my kids and I money in the past for various things (have receipts…
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Equiniti help
My dad passed away last year and I finally decided to deal with the small number of shares he had. Completed all the forms and sent them off with the original share certificate and the death certificate as requested. The death certificate was returned about a week later. Today I have received all the forms back saying I…
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Friend has £70k to invest - Advice please.
[FONT="]Hi[/FONT] [FONT="] [/FONT] [FONT="]I'm looking for a little bit of advice please.[/FONT] [FONT="] [/FONT] [FONT="]A friend has around £70k to invest from a recent property sale.[/FONT] [FONT="] [/FONT] [FONT="]She is widowed at over 70 years of age with 2 adult daughters and 3…
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Best child savings accounts for reg saving
Hello, I'm looking put 100% of my 1yr sons child benefit into a savings account for when he turns 18. Can anyone recommend any savings accounts for very young children over a long period of time? Or perhaps someone has a better idea on how to do it. Thank you :)
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Search for a Fund Based on a Holding
Hello, Does anyone know if there is a way to search for funds that have a specific holding? For instance, if I search for PayPal Holdings, the result set should produce Fundsmith. etc. I am with HL and they do not seem to have a search feature / tool that can do that. Is there a standalone independent tool that can achieve…
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PRIIP problems - Alternative to X-O?
I am getting fed up with the issue on X-O (where we hold our ISAs) with not being able to trade ITs and ETFs instantly due to PRIIP regulations meaning that we have to call them to confirm we have read the KID (even though its only buying more of the same ITs that we already hold!). They don't have any 'tick-box' on the…
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London Capital
Whats peoples thoughts on this, not linked to markets & 'guaranteed' 8% they say the capital is secured as follows: As an investor you would have a charge over the assets by way of a legal vehicle known as a debenture. This means that all investors will have a charge over the secured assets which include the cash reserves…
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Age 17 best savings accounts
I am aged 17 and have recently become a parent. I stay with my parents right now and I am trying to save for a house! I have quite a bit in my savings right now and have also opened a help to buy isa. I am maxing the isa out every month and still have a chunk to save in my other saving account with TSB. The interest rate…
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24 going on debt free - how can I be smart with £?
Hi, I’m 24. I have £3.7K in cc bills that I will pay off by May 2018. My student loan debt is £24K. I currently earn £45K per year. I rent in london. I want to be debt free. I will clear off all my student loan by 2022. I want to own my own home. Most importantly I want to be financially smart. I’ve been toying around with…
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3i infrastructure Trust
I have noticed this IT is now trading at a slight discount whereas it is usually priced at a premium. They are also paying a special dividend to shareholders this month ex div date 15 March so I'm tempted to invest a small percentage around 5 per cent in my ISA. Anybody else has any thoughts or views with this IT?
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Savings App - unlinked everything in one place
Hi, as a keen saver, I, like many of yourselves I'm sure, make use of different accounts to increase access to interest rates. I have an ISA, a couple of the nationwide flex direct current accounts for the 5% interest and the regular saver linked to that. My question is... As I have little bits of savings dotted about, is…
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Nationwide Account Help
Hi Everybody! I hope you do not mind me posting but I could do with some help please as I have recently been accepted for a mortgage and I was wondering what should I do because I have read a thread on here somewhere saying do not use a Save to Buy FTB Issue 3 but I have that (Which holds the most of my deposit) and then…
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The "just in case" fund?
Hello. We are in the process of buying a house and I was wanting to gauge opinion as to how much we should put in a "just in case" fund. I know it is all relative to what you can afford, but I am wanting to put aside a small amount as an emergency fund. I was thinking may be £100 per month? But that doesn't seem much?