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can you only hold one cash ISA each year
I have read you can hold more than one cash ISA as long as they are from different years, does that mean you can only have one up and running that you may transfer around from one source to another depending on the rates, or each year you can open another as long as you only deposit in one of them...so in theory in 3 years…
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Investment ISA Swap - IFA Charges
Just would like to test the water if possible?? I have around £5000 in an investment ISA and want to change to a better performing one. I instructed an IFA to look at this and he came up with another Investment ISA that looks more favourable on paper. However, he wants £1000 for the transfer from one to another and 0.85%…
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Possible change in investment strategy (Is Vanguard Lifestrat. still the right way?)
Looking for some guidance (you’re not allowed to give me advice …!!) from the more experienced investors on here. Very brief background for those of you who haven’t read my previous posts …. Retired at 55 now 57, income from 3 pensions more thanoutgoings …… LARGE cash pot. Aware that inflation is eating into, it and want…
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transfers between husband and wife
my parents want to transfer some funds from my father (normal rate tax payer) to my mother (non tax payer) is there a problem with this? They are both 90. Advice please
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Investing In Shares For Dummies
So I've deciced that I would like to invest in shares, but I have absolutely no idea where to start :-0 I've done some research which has led me to the Barclays Market Master Account. Is this the type of account that will allow me to buy and sell shares medium and long term? As you can tell I'm a complete novice and I'm…
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Beware of this company:Obelisk International
This is a thread that deals with Obelisk International. My experiences with real estate trade through Obelisk. Of what one would expect of service: the service of the construction process through mail tel etc. Obelisk International boast that they: All their investments provide maximum security and substantial profits for…
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Simple and cheap way for mother-in-law to sell shares
My elderly mother-in-law holds about 450 Lloyds Banking Group ordinary shares and just over 80 Santander shares and she wants to sell these. The documentation she has shows Equiniti on the Lloyds paperwork and Santander Nominee Service on the Santander document. She just wants to get rid of these and get the money. So is…
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Hargreaves Lansdowne ISA fees - where from?
If you're paying a platform fee at HL (e.g. £2 per month) in an ISA, can you pay the charges from outside the ISA? I seem to remember someone here saying you could, but I've searched and can't find it... Thanks
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Deputyship Needed? Help please!
My father is in hospital after falling down the stairs and he has suffered a severe brain injury. We still do not know how long it will take or if he will ever recover to the extent that he will be able to speak and be fully coherent. Although he and my mother have a joint bank account, he does have some ISAs only in his…
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£60,000...
My parents want to give me £60k towards a property. Do I need to pay any tax or charges on it?
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Is it worthwhile for me to invest?
I'm 67 but still working at the moment but likely to pack up in around a year's time. My wife is 65 and doesn't work. My total income is around £60,000 per year before tax and my wife also has a state pension. When I retire my income will drop to around £30,000 before tax. We have a house worth around £400,000 with no…
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Offset Mortgage savings protection
I posted this in the mortgage forum but probably more relevant in here, apologies if it has been raised before... We have an offset mortgage that works very well for us as I am self employed and my income is very lumpy. I have a fair amount (over £85k) saved up in the offset account and had a sudden panic the other day…
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quick question - where am i?
Hi New to the board so take it easy please. I find it hard to judge where me and my wife financial are so i d be grateful if you experts could pass on your wisdom. We re 30 and 27, work and earn just above the national average salary In savings: 30k Mortgage payments p/month: £338 (LTV of about 60%) Spending each month:…
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10% savings band
Does anyone know if Osborne is scrapping this? He was less than clear yesterday. to say the least. His wording even suggested that the current band would drop to 0%. None of the newspapers have picked up on this. We need to know!
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Very Novice Forex/XE.com question
So, I was just wondering....you know the live exchange rate that xe.com gives online? Is that the amount that it's actually possible to get if I transfer money through them? E.g. current live rate is US$1 = GBP0.658, so if I transferred US$100,000 back to the UK, would I get GBP65,837? Or would it work out to be less than…
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budget implications on btl market
I was on the brink of buying a £100k 2 bed flat to buy to let before the budget, now I'm not sure what to do Will the kind offer from Mr O to lend people 20% impact on the btl market, in as much as more people will be able to buy, rather than pay rent? If they only have to find £5k deposit on a property worth the same as…
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Sorry wrong place - bye
SORRY WRONG PLACE - BYE I've tried to find how this is calculated (as in what contribution gives you how much benefit) but without success (yup may just be me ;) ) I was thinking is it best to have a consistent salary, some big years - some small years, more later on? I have 4 more years where I can contribute but my…
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Budget 2013
This is the best piece I have ever read in the Telegraph; http://www.telegraph.co.uk/finance/budget/9943314/Budget-2013-Labour-made-the-mess-but-the-Tories-are-only-making-it-worse.html
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1 isa or 2?
Hi, Would it be better to have 2 separate isa'a (paying 2%aer, £5640 in each) or 1 isa with the full amount (which i think would pay 2.3% aer) Sorry if this is a silly question but im really new to isa's and savings. Thanks (2 isa's would be in separate names)
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morningstar,crown rating etc
Hi All Just a quick question The rating stars on funds ie for 3years 5years 10years are these ratings for the coming years or the past years on fund performances? thanks
