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Finance Review
Hi All, I was wondering if someone can give my finances a quick review? I am 36 and I am planning on renting out my current house and buying a second one with my partner. Does this make sense? Also with my current money I want to be able to access it relatively easily but is it in the most productive accounts? Savings TSB…
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Help to Buy ISA closing
Hello, together with my partner we have 18,000 on our two help to buy isa accounts,We need deposit of £15,000 to buy a house. can we close both ISA's ? If we close them, the goverment bonus will be credited from the entire amount of £ 18,000 or only from 15,000? and what happens with the remaining £ 3,000? Thanks for…
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Investment advice required
Hi, I’m about to inherit around £70k + and it unsure how to invest it I have an NHS pension with over 27yrs in service and hope to retire in 3yrs aged 55. My wife has an NHS pension also. I own a property that’s rented out, mortgage is less than £15k owing, we live in my wife’s house again with a very low mortgage. What do…
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Mum passing her inheritance straight to me - pitfalls
My mum has just inherited around £200,000. My parents are very comfortable financially, have a wonderful home that they never intend to move from, excellent pensions and say they don't need this extra money. They have therefore said they would like to pass it straight to me and my brother at £100,000 each. We both have…
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Cheapest ISA changes
Wheres the best place as in cheapest provider to open a Vanguard life strategy isa please ?
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Vanguard Lifestraregy 80% timetable?
I see that the dealing deadline is 9am and the valuation point is 9pm. So am I correct in thinking if i put an order in at 1pm tomorrow(Tuesday) it would be executed on Wednesday at the price determined at 9pm Wednesday evening? But if i put it in now 945pm Monday it would be carried out at the price at Tuesday 9pm. Ive…
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Advice about savings for elderly aunt?
Hi all, I'd be very grateful for any advice here. My aunt has lived frugally for her whole life, and managed to save £60k which she has in a 3 years fixed term ISA with Nationwide. She had a fall earlier this year and is now going to need to pay for care and a new, more accessible bathroom. Her ISA doesn't mature until May…
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Lloyds stocks and shares ISA
Hi , can anyone tell me if the charges I have been paying Lloyds for my stocks and shares ISA are worth complaining about ?. I have been drip feeding £100 . 00 per month for several years and only £95 . 00 is invested each time !. I assumed ,wrongly , that this was the service charge . No the service charge is 3.5% per…
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Global Warming funds
Does anyone have ideas on funds that "should" benefit from the move to sustainable energy. ie investing in wind/solar farms or other interesting related projects. I have only ever invested in big, established funds and IT's, the variance being mostly geography. Most of the clean energy funds google throws up are in the US,…
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Google Docs and GoogleFinance
Does anyone use the GoogleFinance function? I do and find it really easy to keep a track on my portfolio, but I don't know anyone else who uses it. I was wondering what the reason might be.
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how do i keep savings ahead of inflation?
My partner and I have had to stop working due to ill-health. It was a shock and what with that and my own ill-health onset has changed everything for us. My partner receives an ill-health early retirement pension, he pays tax on that. The pension is not enough for us to live on. I am now disabled (3 years now) and cannot…
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How to invest without FA
I am struggling to justify the 3% comission + fee charged by our slelected financial advisers. I understand they have an access to a wider range of products but in this current low interest environment I don't believe their offer is far from the top picks by MSE. Will a FA advise outperform my decision to put 1/3 to my…
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What has happened to Interactive Investor?
I just tried to log in to II: no fields for username and password, just the words "login.service.upadate.message". They were updating over the weekend, but it is now Monday afternoon! If they have been hacked, are all our investments gone for good? And if they come back, any chance of compo?
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Unexpected inheritance
Recently I was bequeathed over £46,000. It was totally unexpected and I have been trying to work out what to do with it. My partner and I are both working and our children have moved out. We have 9 years left on our mortgage. At first we thought about paying the money into our mortgage (which is around £66,000) then we…
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Vanguard LS vs buying the underlying funds
Novice investor here. As I understand it, the Vanguard Life Strategy series are funds of funds. They have an OCF of 0.22%. Plus some transaction costs of about 0.05%. When I look at LS80, Vanguard describe the funds, and their current allocations. So LS80 is 19.3% invested in Vanguard FTSE UK allshare index trust, for…
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Need Advice and support please
:D ok so far since joing this community, I have made some changes and improvements, But now I need some advice or as much support possible. So currently I have rearranged how I bank and my savings, and outgoings but the abit I have left over or save I want to put towords Isa shares. I have had a good read through alot…
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Low savings interest - Fixed ISA best for all lump sums?
With interest rates being what they are, does it not make more sense to put money in a fixed rate cash isa if you have a lump sum and just may want access. Compared to fixed rate savings bonds they do offer you access to your money for a significant penalty and pay significantly more than easy access. Of course if you end…
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Prices precious metals out of whack?
It costs around the same price in energy and labor to retrieve any precious metal from landfill. Just the same as it's the exact same process to mine gold or silver from the earth the first time. Sometimes you get gold and silver in the same ore, the costs are exactly the same then. Looking at the prices of each of the…
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Struggling to manage affairs
Hi there, I am saving £300 pm into First Direct at 5% regular saver. I am saving £250pm in Virgin at 2% regular saver. Have a pot of £14000 to deal with it and no idea what to do with it. split it up and put into regular savings doing the max for each as I am doing for the above? Also have £130 pm to save- again not sure.…
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BLME 90 day notice account.
Could anyone tell me how you set up withdrawals with this account please.
