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Question re. Help-to-Buy ISA
Official MSE Insert: You may also find our fully researched Help to Buy ISA guide helpful. Back to the original post... Hello My daughter bought her first home with a mortgage a couple of years ago. She now has a partner and they would like to start saving together to buy a bigger home together. Her partner would be a…
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threadneedle latin american fund
i have the above fund in my portfolio is it time to cash it in as it continues to lose money,thanks
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Cash ISA to S&S ISA
I have a cash ISA for 2009-10 which will produce interest when transferred to a S&S ISA. Is it possible to stipulate the transfer of the capital (which is in a convenient round figure) and withdraw the interest as cash? If so, how do I go about it please?
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Has anyone ever done one of Ann Wilson's Financial Freedom University online courses?
Trying to work out whether spending £700 on a series of online workshops is sensible (!) or not? I'm trying to find some impartial advice from someone who has actually done it....
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Platforms
Hi, I was just looking for people's opinions on fund supermarkets/wraps. Anyone got any positive or negative experiences to share? Thanks Faye
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Barclays ISA.. Can I change?
Hi. I am in need of assistance. Each year at the start of the ISA year i open up a new ISA with a better rate and transfer my previous ISA into it. Back in April, I opened an ISA with Barclays as they had one of the better rates and I bank with them. I have now received a letter saying they are going to cut the ISA rate.…
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Share offer
Hi all, I would appreciate some advice on what to do with some shares I hold. The company I hold shares in is facing a Takeover and I have been offered a price for my shares. If I do nothing what happens? Do I lose my holding or does my broker (Barclays) automatically accept it and pay me the share price into my account?…
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Vanguard LifeStrategy 60% Equity Fund Growth (Lack of)
I've been investing monthly in the Vanguard UK LifeStrategy 60% Equity Fund since 2 July 2014. When I look at the Youinvest information on my portfolio it suggests that my investment into this fund has grown by 4.91%. Youinvest do not provide a KIID document for this fund 'Because the Share class was launched less than one…
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Putting cash into property extension
Hi there I wondered please whether any of you knowledgeable folk might be able to advise? I have lived with my partner for 5 years, in his house, worth circa 320k with a mortgage of around 20k left to pay.I sold my own flat 5 years ago and have a lump sum, proceeds from the flat, of about 240k split between 2 easy access…
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eligibilty for £10 per month HSBC save together ISA
Apologies if this has been answered. Has anyone partially transferred a £300 lump sum from an old ISA they are not subscribing to into their new Loyality ISA and then taken £299 out immediately leaving it with £1. Have you still benefited from £10 per month with the save together deal? It's just that I have a regular ISA…
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Good time to transfer money to europe??
Hi there I am really hoping that some of you more financially literate people can help me! I have just received a one off windfall of £30,000 which is currently sitting between my Natwest cash ISA (0.5%) and my natwest savings account (some small amount of interest). I work and travel frequently in Europe as I work…
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quick question about direct debit
My BF and I are taking advantage of Nationwide's Recommend a friend deal to get £200 (comes very timely on the heels of my First Direct 6% interest deal). I need to have two direct debits, and I'm a little short on those. However, when I pay for things by Paypal the money is pulled via DD to my account. Does that count, or…
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Hit a brick wall with my savings, devoid of ideas
Hi. In the past 18months or so I've been saving heavily, cutting costs where I can and saving as much as possible. I've managed to save £23,000 in that time, which I've got in a Santander 123 account. Aside from opening a TSB account to make use of the money that isn't earning interest from santander, I've completely lost…
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Paragon Bank
Evening all, I've just started looking round for savings options and Paragon Bank seems to offer good 1 year fixed rate - but I've never heard of Paragon. Is it long established and reputable? Thanks.
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My predictions on future budgets
I have been thinking about recent changes in government and the change in direction for years to come. My predictions are not about particular investments or market movement but about changes to the environment in which we save and invest. * NHS dismantlement I believe the NHS will be dismantled. Its replacement will be an…
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Gifting Money To Children
Hi All, I'd be grateful for advise regarding the tax implications of gifting money to my two adult children. I have a disability, and should I ever need to go into care, I would like to ensure that my children receive at least some of my money. I have saved and invested approximately £300,000 plus I own outright a small…
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How to open multiple bank of Scotland accounts?
Sorry to ask another question so soon after my last one, but I haven't been able to find the answer on the forum or online. Can anyone tell me how to go about opening another two bank of Scotland accounts? Thank you :)
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Another "Am I doing this right" post
Like Arcan I too have been reading all the advice on this site, but only saving £500 a month at present, and if all goes well I may be able to up that figure at a later date. So, I have my wages paid into Natwest, and have done so since my wages were paid into a bank over 20 years ago, and I'm happy with that for the time…
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Carney's comments on interest rates
The rate on my cash ISA is due to be reduced in just over a month so I've been considering transferring it to a one year fixed rate ISA to try to get a slightly better rate. But with Mark Carney's comments that the BoE might increase the base interest rate towards the end of the year I'm not so sure. Would I be correct in…
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Am I doing this right?
Hey all :) Inspired by Moneysavingexpert saving loophole I opened some more accounts to try and take advantage of their interest rates. But wanted to check if I am doing this right? Please let me know if I've made any mistakes: https://imgur.com/GdyMRqw Also is it possible to move all the money on one day manually? Oh, and…
