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ISA, Repayments and Stress
Hi Guys, Firstly I would like to thank you for taking time out and apologise for my lack of financial knowledge :( My wife and I owe 26k to the builders of this house and needs to be paid back in 4 years (shared equity scheme) If we don't pay it we are charged 1.5% interest in year 1 of total amount, year 2, 2.5% and so on…
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Brokers, Currencies and ETFs - Newbie Investor
Hi to you all I am a UK citizen currently living in Israel. I recently opened an account with TD Direct International and invest in the ETFs: VWRD and SAAA on a regular basis. Each time I make a purchase, I exchange the money I earn in Israeli shekels into GBP and make an international transfer to TD Direct's account in…
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Living abroad but saving for a UK mortgage
Hi all. Currently living and working in Australia but have future plans to return to blighty to purchase a house. As I am out of the country I know that ISAs and The Help To Buy savings account are not available to me at this time. With the Australian dollar taking a month on month dive i'm looking for ways to protect my…
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Your views please
I and OH are touching on 80 and have a mix of savings accounts, insurance bonds, equity ISAs, and cash. We have not done much since investments were made, some nearing twenty years ago on my early retirement and later from legacies. We had no need to, nor was life convenient, and we live quite well on our pensions.…
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Forex platform
Can anyone recommend a good forex platform.. I tried aaafx, but the want so many documents and have a questionnaire (5 pages) that wants you to list every investment that you have . Also I would be interested to try zulu trade as well
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Savings & Mortgage Overpayments?
Hello, I know all the information is readily available on MSE but i'm having a hard time processing everything and coming to a decision about things. My husband very unfortunately passed away in Dec. I am due to receive in the region of 120k as part of his death in service benefit. I want to make sure this is used to pay…
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£5.5k maturing Cash Isa - New Isa best option?
Hi I have about £5.5k in a cash ISA which comes to the end of it's fixed term in about a week. What are my best options do you think? I have seen a two year fixed Isa with the Principality for 1.85%. I am happy to lock away for 2 years and don't need access to it, but I'm not sure if this is the best option. Thanks
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lender offering 50%??
This offer would appear to be from "Hot Stock Investment offer Oct 15, 2015 Invest in Stock and get 50% of your investment every Thursday of each week for the rest year." So if I put £1000 in, I'll get £500 every Thursday for a year? Seems too good to be true?
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I want to transfer my cash ISA into stocks and shares- how do I know the share price?
I am a first time investor. I want to transfer my cash ISA to a stocks and shares ISA, and buy shares in a utilities company. If the transfer takes days or even weeks, how do I know that the share price will not have altered drastically by the time it goes through? Thanks
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Will I loss out on 123 account if yuo close it?
Hi , I have a Santander 123 account and was thinking of closing it but as I have a Santatnder isa flexible, I was told I would loss the higher interest on it as it only gives you this interest if you have a 123 account . Is this true ? Thanks Debbie
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60k - where to place for best interest for 5 months?
Hi we have ended up in a situation where we are going to have £60k for approximately five months sitting in our current account that earns zero interest (literally). We want the money to work for us whilst we have it. The amount won't change for the first two months and then will regularly decrease and therefore we need…
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How much money can you pay into your account at the counter?
I'm just wondering if anyone has any knowledge/personal experience of bank/building society querying cash payments over the counter to credit your account. I wonder what a trigger level might be? http://www.thisismoney.co.uk/money/saving/article-2551823/Why-banks-wont-let-pay-cash-account.html
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Fund home improvements via ISA or mortgage?
Hello I am looking to have a porch built on my house. I am likely to need to finance the £4,000 cost via my shares ISA or via my mortgage. My mortgage is £29,000 and tracks the base rates plus 1%. I have heavily overpaid my mortgage and have a borrow back facility so there is no penalty for additional borrowing, the…
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Short term for £45k
Hi all I have around £45k sitting in a Fund and Share account right now, not invested, its just a cash holding. I need this money in potentially 6, but definitely no more than 8 months time, for a house extension. What is my best place to put it to get the best returns over that period, that will allow me access to it? I…
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Cash - what to do for the best, confused
I've been reading these boards on and off and got some helpful info, but I still feel quite naive about money. I have read the Hale book on Smarter Investing which I saw recommended, and although useful it really didn't help me to make up my mind to go forward. So am a bit stuck. Maybe I shouldn't do anything? If that is…
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Murray international in an ISA
I’ve got a S+S ISA with Cavendish online that goes through Fiedlity. I’m interested in putting £250-500 and possibly drip-feeding into Murray International investment trust. I see that Aberdeen investments allow £250+ lump sum investments, but is there a way of investing in MYI (and other IT’s) via my current S+S isa or do…
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National Power PLC and Powergen PLC
HELP!! We are currently reviewing details of a family members shares and there are some stated for National Power PLC and Powergen PLC, but from researching, they don't exist! Does anyone know who has bought the company and does anyone know how we can cash/retrieve these shares! Thanks
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The cheapest way to buy a FTSE all-share tracker...?
Hi there I've tried to research this but it's so hard to actually get a definite answer. So far, I have researched tracking error and found the best fund for me. That's all fine. I want to buy the Vanguard FTSE All-Share Tracker Accumulation fund. I will invest £300 per month. I plan to hold for 10 years or more. Now…
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Shenton Asset Backed Fund
Hi forum, Long user of MSE but first time for me to post on the forum here. I am posting to get the thoughts of people with some experience in investing outside of standard savings accounts/cash ISAs/fixed term accounts etc. Today I read about Shenton's 9% 2 year Asset Backed Bond, I can't post a link as this is my first…
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My portfolio,,
Hi guys, I have 50k that is sitting in the bank that I want to invest, I have invested in the past and have a little experience,,,my wife and I have no debt , we are mortgage free and have an income of arround £1350 per month,, I have selected 4 funds 2 of which I have used in the past and have performed very well,,,,,I…
