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Need advice for saving and in debt..
I have some low savings, I was going to keep saving.. I'm in debt with 3x credit cards, 2x catalogues, 1x debt management setup from citizens advice and 1x PayPal credit. Should I not save and pay all of the savings towards my debts? or should I keep saving?
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Foreign cash saving
Hello I really struggled to work out which group to put this in so if this is wrong please move to the correct forum. My wife has been gifted a semi sizeable amount of Swiss francs in cash Following the death of her grandmother. This at the moment is in our safe in various denominations. My question is what do we do now…
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platform for individual shares/etf purchasing
Hey all, I have set up a vanguard account for investing in the global all cap index fund, which will be my main focus, but I would also like to buy a few individual shares/etf's for a bit more excitement, and unsure what app/platform to use? a friend at work uses etoro to buy and sell bitcoin, and company shares, but its…
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etoro share trading, withholding tax and agreements
I'm looking to purchase some US shares traded on NASDAQ for a long term investment and I'd like to understand how etoro manages withholding tax and other legalities. Separately, I've researched a stocks and shares ISA from Halifax and I see I would need to sign an 'NYSE Share Subscriber Agreement' and fill out a 'W-8BEN'…
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LifeStrategy 40
Any views on a safe and sensible assumption of rate of return on LS40 over the next 10 or so years? Seems to have done around 6% annualised since inception but I keep hearing circumstances have been exceptional and that those returns aren't sustainable? The US equivalents have been around since 1995 so I can get a longer…
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Zeux 5% Easy Access Money Pot
Anyone familiar with Zeux? Any good? Savings interest rates as they are, Zeux offering 5% interest is quite attractive. They're pretty clear that this is a promotional offer for them to acquire early customers since Zeux seems mainly about cryptocurrency investments, and is how they make money. Primarily I'm just…
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Scottish Mortgage Trust
Has anyone had any experience with the Scottish Mortgage trust, its an investment trust listed on the LSE. Has paid a dividend every year and with focus on tech and healthcare. Is it worth diversifying into it? I stick to Vanguard funds due to the low fees and good performance?
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Al Rayan Bank Asking for Personal Information
I opened a 1yr account with Al Rayan in June last year. Yesterday I received an email from them saying they needed some additional information to help detect fraud, tax evasion etc. I clicked on the link and the first question is asking for my annual income including salary, pension, dividends and anything else. This seems…
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How do I tell if I have a cash ISA?
I've heard cash ISAs aren't really worth it but how do I actually tell if my ISA is a cash ISA? I have my savings in the Nationwide Flexclusive ISA Issue 17 and I've read through all the documentation for it but I still can't tell if it's a cash ISA or not. How would I find out?
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Predictions for personal investment Post Brexit
Hi folks, I am a current want to be UK private investor (combination of stocks and bonds likely scenario) who has been sitting on the fence for too long not doing anything with my humble savings. Getting into the right type of investing is hard enough to start with for complete novices but this Brexit has made it even more…
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Savings advice
Hi can someone please give me your opinions on what to do with my money to maximize interest. I currently have 20k in a Santander 123 current account earning 1.5% (soon to be 1% from May), I have an ISA with them also earning 1.5% which currently has 45k in it. I have 3k of money invested in U.K and US stocks. What are…
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How many Global Funds or IT's?
I'm interested in views on how many Global Funds or IT's one should hold in a portfolio? I've had an interesting conversation with my brother who has been investing for over 30 years and mainly holds IT's in his portfolio. I was very surprised to hear that Global IT's/Funds account for about 55% of his overall portfolio -…
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Neil Woodford Closed Fund
With the Neil Woodford Income Fund being closed and investors recieving back a fraction of their money invested. Is there any avenues open to investors to get back some, or all of their losses back? There is 10,000's of investors affected by this. Is there any recourse through the financial ombudsman or FSCS, or possible…
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Buy funds when the price is low?
I have recently set up S&S ISA with Vanguard and bought a couple of LS funds. Now the price went down and while I lost a bit of money, would it be a good idea to top up those funds now? Following the principle of buy low sell high, and also hoping that everything is cyclical on this market.
