-
Funding Circle Spring Amazo voucher promotion.
If anyone took part in this promotion (not allowed to post link) I would urge you to initiate a complaint against Funding Circle who are attempting to avoid honouring the scheme. Once 25 complaints have been made FC have to pay £650 per complaint to the Financial Ombudsman which may help focus their thinking with regard to…
-
Paralyzed with indecision.
Hello. I'm a 30 year old male, married, my wife is 33. I think we're doing quite well financially, but I feel a bit "lost", I'm unsure what the "best" thing is to focus on. Our situation is as follows: - Combined (take home) pay: £550.00 weekly - Bills: £200.00 weekly - No debt (except mortgage) - Mortgage balance:…
-
Ideal personal assets distribution
I am looking for some guidance around ideal personal assets distribution for optimal growth aiming for financial independence. Some stats around my personal situation as below. Current age : late 30's Financial independence aim : Age 45 Current annual expenses (net) : £35k Current annual Savings rate : Around £50k Risk…
-
Best dividend stocks
Hi all, I'm a long time investor in VLS60 (acc) within an ISA. But I'm now thinking of also investing in dividend-paying stocks (again, within my ISA). Any thoughts on the best dividend stocks?
-
Interest only mortgage to invest.
On moneyvator there is an article about IO mortgage to release funds to invest and it got me thinking. This isnt a given as it would be 2 years before it would be possible for us, as we are noobs at investing it will give plenty time to read up. Currently 154k outstanding 22years left as we took some equity out to help…
-
Lump Sum
I'm about to unexpectedly come into £20k and I'm not sure about the best place to put it. Circumstances are: * I'm too old for a Lifetime ISA. * For various reasons too long to go into here, don't need to apply it to rent or mortgage costs. * I *think* if I put it into a good savings account, I'd have to pay tax on the…
-
VLS 60% to Global IT's
When I started really investing about 8 years ago, I started out with a VLS 60% in my S&S ISA. Over time, I have moved to more Investment Trusts within my ISA and have a wide spread of them now and my main money and monthly money has been going into my IT's and any dividends are re-invested. I have not contributed to the…
-
FED to opt for higher inflation
Well who would have guessed it:https://uk.reuters.com/article/us-usa-fed-jacksonhole-framework/framework-review-complete-feds-powell-starts-hard-sell-for-higher-inflation-idUKKBN25M16EBetter top up your gold purchases; inflation coming.
-
Really stuck; JISA options?
Hi, Hoping for some basic advice, but understand that this may not be possible. We have 2 JISA's for both children; approx £30,000 in each with £300 a month going in still (they are 13 and 4 yrs old). However, I have a bad feeling about the current investments; hl multi-manager special situations trust - Woodford???? They…
-
Alliance and Leicester child trust fund
Back in 2002 my daughter had a trust fund opened with alliance and Leicester (now Santander) but we have lost contact with the trustee. We have the account book and went into Santander to see how my daughter can access her money and was told only the trustee can get access to the money ? Is there anything we can do or is…
-
The Abundance Family Group
Has anyone heard of or does anyone know anything about The Abundance Family Group? Just wanted to know if this is some sort of pyramid scam/scheme? It involves gifting existing members £28 & then receiving one off gift of £1568. Need to get two people to join the scheme once your accepted into it.
-
MDY Healthcare PLC
Does anybody know if this company is still trading? I can't find them listed on the A I M
-
ISIN and Financial Instrument
Hi all - I am trying to restore investment value updates in Microsoft Money and have been using an add on programme for a few years to do so. It used the ISIN number for each of my funds but I now need the Financial Instrument Number instead. Can anyone point me to where I might locate Financial Instruments for each of my…
-
Another Premium Bond question.
I have a fixed term savings bond (not NS& I) which matures very soon. The money is due back in my nominated account on Friday (28th Aug). With interest rates being so low, I am going to have a punt on PBs. My question now is, If I made the purchase on Friday, would the transaction be cleared in time to be entered into the…
-
Hargreaves Lansdown
So I'm new to stocks and shares but have some excess money I'd like to invest. I've chosen to go with Hargreaves Lansdown as they're a big reputable company that I feel I can trust. I'd like to know how it works though; I'm thinking that I open a stocks and shares ISA, deposit money into it, then choose with whom I invest…
-
Extend or save?
Looking for some advice while we go round and round in circles... bit of info 38 and 39, married with a 3 and 7 year old and no more planned (for sure) One of us works part time 3 says earning 42k pa and the other earns 28k - both gross but after having been pro rata’d. Both work in private sector (so uncertain!) No…
-
Platform for share dealing ( Robin Hood )
I have not previously purchased shares, but have been considering the possibility of purchasing some. I have located the MSE webpage below which provides the names of some platforms. I would require only a purchase/sell facility as I would obtain advice elsewhere, though I would intend very few trades per year.…
-
EMI Options
Hi all, I'm hoping for some advice regarding EMI share options. I'm senior in the company I work for and over the last few years have been awarded EMI options as part of my overall compensation - the value of my options roughly equates to £350-£400K. Approximately 75% of my options have now vested and I have a window (due…
-
Private Equity
Hello - Does anyone on here (who doesn't own their own private jet) have an allocation to any private equity? I've been considering a small allocation over the last few weeks and months but am yet to make a move, mostly because the options of doing so are quite thin. If there are - why did you introduce it into your…
-
Investment for kids?
Looking for advice regarding our two youngest of12 & 9 who have 6k and 4k they are getting a pittance from their bank and we would to invest it for them for a minimum of 10years but hopefully they will keep it going. I've been explaining the little I know to them about the risks and hopefully rewards. Ultimately it will…
