-
Looking for Funding Circle referrer - PM me!
Hey, I'm looking to set up a Funding Circle account and I see that we both get £50 if someone refers me. PM me and I'll message you my email address. Cheers. Elliott
-
Tsb £100
I have just switched to TSB £100 and notice that in today's MSE e-mail that a condition of this account is 3 direct debits. When I switched it was 2. Have they changed their conditions in the Las 2 weeks
-
Mixed Budget News
Just seen that dividend tax is changing and you'll now get a £5000 annual allowance. On the bad news, BTL income is being taxed more with restriction on interest tax relief. Will be interesting to see how it pans out
-
FSCS protection change
With the information of the £85,ooo reducing to £75,ooo in January 2016 how can one protect yourself if you have a ISA bond that is tied in until 2019 without loosing the advantages of tax free allowance as I understand you can withdraw your funds pre the bond maturity BUT not transfer / partial transfer?
-
Money multiplier help pretty please
Hi , I'm a newby......looking for some magic advise . I have two children, single working mum , and have just been left some money by my dear Granpa. It's not much , but lots to me. I'm looking for some advise on what to do with it to try to multiply it for my children as this will most likely be the only bit of savings I…
-
Advice for a bewildered newbie
Hi, I’m an investment newbie and researching it is making my head spin so I’d be grateful for any advice anyone could give. My situation is that I’m nearly 50, ideally I’d be looking to retire at 55 but there’s a good chance I’ll be made redundant in a couple of years time. I’m in a decent defined benefits pension scheme…
-
Can you help a newbie with tax implications
This is my first post so I hope you will be kind. I am 57 in November and my husband will be 60 the same month. We retired early and draw modest occupational pensions. Neither of us pay tax on our pensions as they are under the personal tax allowance threshold. We have the following investments with Cofunds: £54k in ISAs…
-
My First Investment Portfolio - Your Thoughts
I have always been sensible with my money. In a few months I'll turn 23 and I'm now starting to prepare for my far-distant future: retirement. I hold a graduate job and earn a decent-enough salary. I'm currently waiting for my pension to open so I can start ploughing some cash into it - finally! But, I've recently jumped…
-
Inheriting an Isa
I'm having problems understanding the new rules regarding inheriting an ISA. Sadly my mum passed away recently and dad and I are trying to sort out the finances. From reading the small amount of info on the Gov. Websites I thought that dad would get a one-off extra allowance to the value of mum's ISAs. So say mums left…
-
Holiday home or wait?
I have a little conundrum ... I have the option to buy a holiday home I'd like but that would/may leave me a bit financial thin (thin, not in debt) for few months (6) whilst I build my saving pot again... Worst case scenario would be if I were made redundant, possible not highly probable right now, but in that case I would…
-
Advice, please, on investing £46,000 this year
I’d be grateful for advice on how to use/invest some £46,000 that will be coming to me during September by way of matured bonds, ISAs etc. I will have a further £18,000 approx to invest next year, and then £62,000 during 2017. I’d like to have some sort of plan – or, at least, a steer --- for using this money, rather than…
-
Would using a financial advisor be useful?
For the first time in my life I am thinking about whether I need or would benefit from using a financial advisor. The background (probably in a very random order) is: I’m currently a standard rate tax payer with workplace (defined benefit) pension scheme plus a deferred pension (also defined benefit) from my previous job.…
-
Best option for savings
Safety net cut from £85k to £75 k Premium Bonds - Government - could the see this as easy target for seizing money if a financial crises arouse - thinking of Cyprus and most likely Greece. What would be best strategy for low middle income earners, who can't go offshore - BVIs. Implications for UK Government running a…
-
Please Help
Hello, I'm totally new and need abit of advice. I'm 28 years old, live with my girlfriend and currently have 95k left on the mortgage, I am over paying the max without penalties. I have 40k in a good rate ISA 15k in santander 123 5k in lloyds I currently have no pension in place and really looking to make the most of my…
-
What to do with the proceeds from a house sale?
I'm got the sale of a Buy to Let property completing on the 9th July - I was having problems with the agents and was too far away to manage it myself. I'll be getting about £200k from the sale but I have no idea what to do with it. I could put it into a property closer to home (I'm in Oxfordshire), or I could invest…
-
Problems With A J Bell Youinvest
Is anyone else having trouble logging in to the Youinvest part of the A J Bell website? I can log in to my A J Bell account but when I try to access my portfolio the page won't load. I've tried two different browsers and I'm not having a problem with any other websites. Thanks.
-
Statement Analyser
Dear All, I know that for business there is software or are services that will have a look at your monthly statements and categories each entry into sales, travel expense, supplier costs... and so on, allowing for a convenient analysis of the accounts. Is there any software/service (happy to pay), that will do that for my…
-
Purchase property or invest ????
Until a few months ago, my mother lived abroad. She now lives with her brother and visits with me for a few weeks every few months. My mother is in her 80s and no longer wishes to live on her own. The proceeds from her house sale have now arrived in the UK and is presently earning minimal interest in the bank. I am…
-
limits on shares
I have £9500 invested in my shares portfolio i am thinking of buying £5000 more. Is there a limit in value you can have before paying tax.
-
Savings and residency and opening bank accounts
I am a uk citizen but live abroad I only spend about a month a year in the UK. I continue to pay national insurance but do not pay tax on Uk earnings because I have none. I have a number UK bank accounts and in the past have held various savings accounts I have paid tax on my savings. In wanting to move my money and take…
