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Planning a 5+ year sabbatical
Hello, I have a one-year-old daughter, and my wife and I are planning to move to the countryside when my daughter begins secondary school at age 11. This will be in 10 years from now (obviously ;) ). At the same time, I'm hoping to begin a sabbatical that I hope will last at least 5 years. Current situation: Debts:…
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Nutmeg LISA
Hi can anyone answer my Q pls, recently set up LISA with Nutmeg, fixed portfolio. One account but can have more than one investment pot. You can create pots attached to the account. Can anyone explain if this is similar to savings goals linked to current accounts etc? Thanks
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SEIS Qualifying Companies
Hi All, First post on the forum so wanted to say hello and ask a minor question. I'm looking to start an event management company for weddings and wanted to know would this qualify for SEIS investments... Have read about the excluded list and qualifying company's but just wanted to check with some bods on the forum Any…
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Nationwide refer a friend
http://www.nationwide.co.uk/products/current-accounts/our-current-accounts/recommend-a-friend-tab#tab:Recommendafriendandshareand163200 Is this still going? What details do you have to give? I closed my Nationwide account coming up to a year ago so was going to open a new Flex Direct account anyway and then saw this. I…
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savings account
hi, can anyone advise, I've got about 20k in my current account but I am a little uneasy with it being so easy to access as I carry my debit card with me everywhere. I would prefer to leave say £1000 in my current account and put the rest in a savings account. I use nationwide and on there online service there are loads of…
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Santander Regular eSaver
Hello all, Does anyone know if I can top up my regular saver with months that I’ve missed? In June and July I only managed to transfer £150/month rather than the full £200. Thanks in advance! :)
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Savings Advice ..
Looking for some advice on moving some savings to get a better rate. I understand that standard savings accounts seem to have the best rates at the moment, but wanted some input from folk in the know prior to withdrawing stuff from my old ISA.. So current situation is I have an old ISA from several years back which hasn't…
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UK Mortgages Ltd (UKML)
What do you guys think of UK Mortgages Ltd as an investment, I am not sure about if it's worth the risk for the yield it might generate.
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Club Lloyds Monthly Saver rate now 2.5%
As title. This has dropped within the last week from 3%.:(
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Junior S&S ISA or Cash ISA?
Hi we've started saving for our little one so have 18 years for the ISA. Currently we have a cash ISA for last year but I'm now wondering if this year we should split it between S&S and cash as the interest rate for cash isa is so low? Any advice greatly received. Thanks
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LISA Question!
Hello there, A quick question, hoping it's not too stupid so sorry if it is! I'm looking at opening a LISA for my first home. I have a family member that would potentially stump up the rest of the money in cash, so would I still be able to keep the bonus or would I have to pay the penalty? I.E. I pay the deposit, and the…
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Investment In Litigation Funding ?
Hi, Just wondering if anyone here has had any experience with this or can give me any more information Had an email about an investment which is basically funding no win-no fee court cases where borrowers have overpaid mortgage payments due to miscalculations by the mortgage lenders The returns look really good (£6000…
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Move ISAs into Offset Mortage
Hi all, I have several ISAa about to mature. I currently have an offset mortgage. Is it worth withdrawing the ISAs and losing the tax-free status on that money to save paying interest on the mortgage?
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Tax implications- 20 yr investment bond
Hi Some advice from an IFA on the forum or someone who may have had this dilemma can hopefully help with this one. I have money invested in a 20 year investment bond which is not performing as well as I believe the money could elsewhere, I understand the 5% pa rule tax free allowance, but I am only looking for growth…
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help with investing please
Hi all, Complete newbie to investing and could do with some help getting started or pointing in right direction pls. Below I have put a bit of info about me I am aged 41 and run my own business. I have a house with mortgage and two buy to let properties. Me and wife who also works in business put across £500 into pensions…
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Can I retire....carefully
Just looking for some opinions/reassurance really :) Due to illness I had to stop working a couple of years ago and even though things are improving slowly - there is the likelihood that I won't be able to go back to any kind of full time employment. I have no pension arrangements as such but do have properties that bring…
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Do you have second thoughts about sharing your advice nowadays?
Lots of conjecture on here that decent products (and features of decent products) are being withdrawn due to the MSE affect. Do you now have second thoughts about sharing info in case it impacts you?
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School Financial skills Quiz.
My 11 year old year 7 son came home with a financial quiz as part of their Life Skills education. Now it’s great news that they are trying to teach this stuff in schools, as some of the misunderstandings of basic financial concepts in the general public is frightening at times. However I have my concerns: This quiz was…
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Moneybox ‘Top-up’ app
I like the sound of this app - which rounds up your daily spends and invests it in three types of tracker funds (from cautious to adventurous). But I would probably just use it in a light way - literally for the top-ups that come from my daily expenses - and I’ve heard negative things about the fees, which make it less…
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Help with Asset Allocation
Hi guys - I'm 41 years old and would really like to get your opinion on how best to approach allocation in my personal investments. Please see the below URL which leads to the summary of my current financial status. Cash Savings/Emergency Fund:£8,596 Monthly Contribution £286 Personal Investments (ETF: VWRD) £48,711…
