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Advice for a 35 year old
Ok so Im in my 30's always had a bad attitude when it comes to debt saving and money in general ideally i want to change this now or in 2017 going forward new me and all that... Current situation is im working in a job paying around 18k with my major out going being 215 a month in rent for my half the of the house I share…
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Do First Direct offer withdraw cards for their savings accounts?
I've got numerous savings accounts with First Direct, using all of them for different savings goals. However, I just opened one with Barclays too, and I aim to 'save the change' into it really from my debit card spends. I received my card today, and I probably won't use it to withdraw from, but I appreciate the sort code…
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Highest interest you have
With interest rates so low at the moment, just wondering whats the highest interest rate you have in your portfolio? For example any old fix rate products? Notwithstanding any regular savers!
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Transferring Shares problem
Afternoon all, My mum is having issues with National Grid shares. She's applied and paid for the shares to be transferred into her name after Dads passing. She's paid £84 for this to National Grid, however when the new certificates didn't turn up she called them. They have stated it will cost £30 to reissue. Surely this…
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Mutuals - Am I missing something?
So my mum has decided to put £100 a month away into a mutual (Shepherds Friendly) for each of her 3 grandchildren into what looks like a tax exempt scheme savers scheme with some kind of health insurance thrown in... matures after 10 years or 18th birthday (whatever comes later). I had a quick look and it looks like it is…
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investment plan or stocks and shares isa
I have got a investment plan which has now run for 5years and also a stocks and shares isa, would it be best now to put the money from the investment plan into the stocks and shares isa (I have not used my isa allowance for this year) is the isa better for tax allowance..
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Peer to peer
Anyone got any experience of peer to peer? I invest in the stock market And have about 17K in that and about the same in cash spread between halifax. Tsb and 4K in the 123 account ( just transferred the rest out in preparation for the rate cut.I was thinking of putting 1 to 2 K in p2p and maybe closing santander and…
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250k To invest
I currently have £0 :) but in the next few months I'll be getting a loan backI made to my company together with profits possibly totalling 300k. I'm looking to invest 250k. I'm 52, only have a small income at the moment of £16k from the company (£11k salary and £5 dividends) but this may end if we decide not to continue. I…
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PIP in Trust for Non Resident
Years ago Granny set up PIPs for her 3 grandkids in Trusts. Grandkids all have joint Aus/UK citizenship. No 1 was born in UK, no 2 in Holland and no 3 in Oz. All have been effectively lifelong residents in Oz. Granny is now minded to let them all have their money as cash or transfer the PIPs as they have matured. Can a PIP…
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Financial Advice/ make money/ monty income/ ideas?
Ok I am just on here writing to get some views, recommendations on what people might think. Firstly here is my situation I have currently left the forces after serving for a period of time. Have a new job and in my early 30's I have a good pension sorted already from this so that isn't an issue for me. I currently have a…
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ISA Allowance - Indian & North American Funds?
I have not used my ISA allowance for this year and now have some money available to take out a full stocks & shares ISA for £15,240. However, with the markets being so high at the moment I don't know whether to invest it now or wait until Jan/Feb/March to see if the markets/prices drop? Also, at the moment I have…
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Robert Brooks Ltd
Has anyone experience of saving with the subject firm ? Their savings products appear to be too good to be true,but they are covered by the FDA comp scheme.
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multiple bank accounts for interest
I'm trying to get some interest on 12k. Already got santander 123 Is it possible to have 4 other different bank accounts which offer 3% or 5% interest on 2500 3000 or 5000. I'm hoping to direct debit from main account 1000 into one bank then dd one week later to next accout 4 times then back to santander. I will leave the…
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Car parking space
I saw this today Airport Way, Luton http://www.rightmove.co.uk/property-for-sale/property-54880450.html Has anyone else seen this? I guess the risks are thinggs like its a illiquid investment, no guarantees in the future for income.
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UK tax implications investing from Netherlands
Hello, First of all I really thank you for this forum. I have learnt a lot. In particular I have reviewed the thread "Vanguard Life Strategy - Investing from abroad" from 2014 (as I am new I cannot post links) but it doesn't clarify the points I am not sure about. I am Spanish citizen and I have been living in UK for the…
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Bricklane - Property ISA
Hi all... I came across Bricklane - Property ISA earlier today and wondered if anyone had invested money in this way? How easy is it to access money once invested? How profitable is it? . And what are the real risk? Thanks in advance :beer:
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How much home bias?
It has just occurred to me that having 100% of my sipp in global small cap is a bit nuts, during times of weak £ I should be buying UK small cap instead. Global is good for selling off when the £ is weak, but I don't expect it to get much weaker in the short, medium or long term. I could flit between global and UK as…
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LLOYDS Delayed Transactions!!
So 3 times in the last month i have had these delayed transactions when trying to set up a new payee!! I ring them up like they ask and answer all of their questions. But they insist on me going into branch to show ID Although I have already done this 3 bloody times, absolutely cra[p service. I live in a rural area where…
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2.5% Undated Consols
I have some government 2.5% Undated Consols. Do I still have them? How do I found out how much they'd be worth should I sell them?
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St James Place Pension Fund - Stay or Transfer to a SIPP
I invested £83,000 in a St James Place Pension Fund 4.5 years ago and pay £240.00 net (£300.00 gross) per month into the fund. Currently the fund value is £125,000 which I must admit seems OK to me? About 3 months ago I changed some of my funds with SJP and I now invest 20% in each of the following SJP funds, North…
