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Tax implications on property developing with silent partner
Hello, Me and my brother are going to inherit some money and as I'm already a property developer (on third house now), he is going to be a silent partner on the next one, both putting in 50%. Cash buyers. Some people don't agree on business with family, but I've done it before and it works for us. It also means I can…
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Tell the EU your view on peer-to-peer lending
The European Commission wants to know what you think about peer-to-peer lending. It's interested to know if current regulation provides the right balance between consumer protection and supporting market development. Have you used it in the past or are you planning to lend money in this way? Do you feel aware of the risks?…
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Best way to invest £50 per month in Vanguard Lifestrategy fund
I'm new to investing and want to start off at a low level of £50 per month. After a bit of research the Vanguard Lifestrategy funds seem attractive, but I'm struggling to understand the best value method of doing so at only £50 per month. Any advice for an investor in training would be gratefully received!
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1st Stocks and Shares ISA
I'm looking for suggestions for a platform and fund to save £1000 a month into. I have paid off my mortgage, and I will have a good final salary pension in 10 years time. I have about £50k in various cash savings earning 3 to 5%. When I retire I would be interested in buying a property to use in retirement. Given the 10…
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Regular investment in foreign shares
Hi, I've done some research on regular investing - while it seems most stockbroker offers regular investment service to UK shares, none seems to offer regular investment in overseas shares. Why is that? Is there some tax rules forbidding regular investing in foreign stocks?
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Premium Bonds Question
Hi, I have invested £15,000 into Premium Bonds however when I go to 'Bond Details' it shows the 3 x £5k transactions as 'OPEN' however my available balance is £0.00. Does anybody know the reason for this? Thanks, Tinaroo
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Don't understand Hargreaves and Lansdown charges
Hi all, I have opened an a Hargreaves and Lansdown Portfolio plus using a Fund and Share account, under the impression that the amc would be 1.79%, which i am fine in paying as long as i make a tidy profit(which i am at the moment). However i wasn't sure if this was the case so i emailed them and inquiry on what the…
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Best way to work out a loan and repayments
thanks, this can be deleted Steven
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Synergy Acquisitions
Hi Guys, hope you can help... Has anyone heard of or dealt with a company named Synergy Acquisitions Inc? Or possibly HSL Acquisitions? Many thanks,
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IFA/Wealth Manager builds Passive (indexed) portfolios for clients - Does it exist?
I'm an expat and am looking to build a portfolio of indexed funds (ETFs). I have opened an account at TD Direct Investing and am wondering if anyone can recommend any IFAs/Wealth Managers who can assist in setting up my portfolio and meeting once a year or so to balance/advise on how best to proceed. Although I am an expat…
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Child Trust Fund to Building Society Account?
Hi. I currently have a CTF Stakeholder account with F&C running for my 12 year old child. Just looked at the most recent statement; Previous value £4k (a year ago) New Subscriptions £300, Management fee £25, Increase in value of investments £21 Total new value £4,296 So, all it has increased over the past year is by less…
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saving money as an exile
Currently I am working abroad, I'm earning a pretty OK salary here by British standards and am starting to save up quite some money. I fully plan on moving back to the UK someday though and would much prefer to keep the bulk of my savings over there. Not to mention interest here is god awful. Apparently it is illegal to…
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How does my bond tracker lose value!?
They say never invest in something you don't understand, and I've now come across something I can't get my head around. Part of my (passive) portfolio is in a UK govt bond tracker (L&g all stocks guilt index). Albeit a small percentage. I understand the fundamentals of how bonds work, the government issues them with a…
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Best way to use savings to generate second income.
I and a friend had a conversation the other day about how savings does not generate a great deal of return for saver any more. We both agree that it would be better to invest. His first idea of investment is to put about 17 k each towards buying a property up north (eg Middlesbrough, Yorkshire) to renovate and then rent or…
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State Bank of India
Has anyone else had trouble transferring an ISA to SBI? I recently transferred an ISA from Santander and almost 2 weeks after Santander sent the funds they are still not showing in my new SBI account. On telephoning SBI last week I was told that the cheque had just arrived and was in clearing. I rang again today and was…
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ISA penalties
:mad:Hello. I'm new to this, but hope someone can help. I transferred a matured Halifax ISA to Aldermore, opening the new ISA on 1/6/15. The funds from Halifax did not go in until 17/6/15. I suddenly find myself in urgent need of the money, and tried to withdraw a large part of the ISA, believing I had 14 days to do this.…
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Found old Barclays safety deposit key - any ideas what to do next?
Hello, My grandfather died about 20 years ago and only recently have my parents found an old safety deposit key for Barclays bank when moving some of his belongings. It has a keyring attached to it with the Barclays logo, with a freepost address to drop keys into if found, and a phone number. The number does still connect…
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First Time Share Buyer
Hi, I'm looking to buy my first long term shares - not a large some - Currently under £500. I'm looking for an online platform that I can use to purchase my shares & generally any tips to my first time buy. I understand Rolls Royce is a safe bet for long term shares? What fees are associated with the purchase? It will…
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Things you'd tell your 16 year old self...
We're all here to share knowledge (some giving more, others such as my self taking it right now :D ) A simple question I was asked at work that got me thinking: if you could give your 16 year-old self 3 bits of advice, what would they be Thought it might be interesting if I asked it from a financial point of view. It can…
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50k Savings / Investment
Hi all, Hoping one of you financial geniuses out there might be able to help me with my savings dilemma. I generally consider myself to be fairly savvy and on the ball when it comes to basic savings and investments (I'm one of those annoying people that is rotating money in multiple Current Accounts to take advantage of…
