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Help to buy ISA bonus claim
Took out a help to buy ISA and paid in over a number of months. Later moved abroad for an 18 month assignment and stopped paying in as per the rules. Now buying a house in the UK with my girlfriend and find I can't claim to 25% government bonus as this year I am not currently a UK taxpayer as I am still paying taxes on…
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Tax Residency Self Certification
I have received one of the above forms to fill in from one of my banks anyone had one of these before, it says it is to comply with new laws brought in. It also asks for a TIN number which from reading the attached letter appears to be SS number so I am assuming it is my NI Number which is used for tax purposes, anyone…
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When do you stop saving/investing?
At what point in your investment/saving cycle do you stop - okay one answer is when you die, but some time before that, when is it?
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2017 Highlights: Savings & Investments
What have been your highlights for 2017? Either comment or link to thread. I am returning to the forums after more than 6 months away, I was very ill. What have I missed?
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Investors Chronicle Boxing Day Offer
There is an offer by Investors Chronicle to get Print+Digital for only £39.25/quarter, basically you get Digital with a free copy through the post, or to look at it the other way round free digital access with your printed copy. Expires at midnight tonight. Quite lucky for me as i just cancelled my print only sub! Now I'm…
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Funding for lending and effect on rates
The Funding for Lending Scheme is due to end on 31st January 2018, Does anyone expect this to result in an accelerated increase in savings rates?
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Portfolio and inflation
What features would a portfolio held by a UK resident have in order to be protected against inflation? In this case the inflation risk is assumed to be mostly UK specific? Any ideas?
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Savings account for my daughter
Dear all For 18 years I have paid a monthly sum of money into an investment account for my daughter. She is now at University and I would like to close the account and give the money to her. The problem is that her mother is a named account holder. She has never contributed to the account in any way (I can prove this with…
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Santander 123 to 123 lite ?
I have the Santander 123 current account for which I pay the £5 per month account fee. If I choose to downgrade to the 123 lite account which only costs £1per month would I keep the same account number and sort code? I ask since I have various accounts linked to my current 123 account. Also what benefits would I lose by…
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P2P: MoneyThing
This is a discussion for things specific to the MoneyThing peer to peer lending platform, to make it easier to find those as distinct from more general P2P discussions. More discussion is available at the P2P Independent Forum MoneyThing section. MoneyThing does a range of lending types that often avoid the ubiquitous…
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Can I transfer money from regular saver to current account?
I have a regular saving account of HSBC, however, I wish to move money from it to the current account, could I do it before the regular saver mature?
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Santander Regular Saver
Hi, I wonder if somebody can help me please ? The Santander Regular Saver account is advertised as follows. If you've a Santander 123 current account or 123 credit card, you can apply for its regular saver paying 5% AER fixed for a year on up to £200/mth. So, if you deposit £200/mth that would give £2,400 in a year and 5%…
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£30K Buy to Let Syndicate Investment
Howdy to all! Having been in the house rental market for 10 years it is beginning to be tiresome so looking now at mortgage options. It seems crazy that in a booming property market investors with upto £50k to invest in a secure scheme are left scratching their heads while there are thousands of hard working families and…
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Moving investments from Alliance Trust Savings to Hargreaves Lansdown: good/bad idea?
I've been with Alliance Trust Savings (investing wholly in Alliance Trust investment trust) for quite a while. The service has got increasingly worse, the charges ever higher, and the systems they use are impenetrable, complex, cumbersome and barely fit for purpose. Every transaction is a nightmare because of the way it's…
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Crossover point
At what age did you reach or intend to reach the crossover point where your investment income exceeds your living expenses? Also how should i calculate this? investment income pre or post tax?
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Review my stocks and shares ISA
Hi everyone Here is a breakdown of my current stocks and shares ISA. What do people think? What would you change? Now I am looking to invest in some funds that focus on the rising asian market, Japan and UK bonds. Btw I am 28 years old. Thanks :) Anpario Plc 12% Aviva Plc 14% Bank of Ireland 12% Centrica 21% National grid…
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Newbie questions on Asset Allocation and Passive v Active
To give you a bit of background on what I want to use this for, I am 45 and currently have a pension pot of about 215k, I want to move about £90k of that from old high cost, underperforming schemes into a SIPP, for me that is obviously a significant amount so would like to do it "right". At the same time I am looking to…
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ETF equivalent of LifeStrategy
Hi, I'm with HL for a SIPP, and have been investing in Vanguard's 100% LifeStrategy and would like to continue. However, http://www.hl.co.uk/pensions/sipp/charges-and-interest-rates has an uncapped 0.45% charge on funds, but a £200 cap on ETFs. As the value of the SIPP goes over about £44k it occurred to me that I'd be…
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Accumulation or Income
I am 36 and about to deposit £80,000 into two ISAs (my wife and I) over the next six months. My wife does not currently work therefore has no income. My plan is invest in funds but am unsure if I should go with accumulation or income. I believe you are allowed to have £10,000 capital gains tax free in a financial year? I…
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Woodford Patient Capital Trust
Down another 3% today, discount pretty much 9.5% and available at 82p today. TheWoodford blog seems to be filled with people who are no longer Patient after a series of big setbacks. Just wondered if anyone is tempted... someone placed a £367,000 buy late this afternoon but there seems to be plenty getting out as well.…