@golfaddick, what are your preferred funds for investing in, lets say the UK markets (not limited to ftse 100)?
Ones not limited to the FTSE then probably the 2 Slater funds (Growth and Recovery), otherwise Artemis Smart GARP and the Jupiter Special Situations, which are heavily into the FTSE100 which (as we know) is not tech heavy and contains a lot of "value" companies such as Banks and Consumables.
£25 for me, £75 for the wife, £25 for the late mother in law
You've still got her money invested !! Fraud if ever I saw it.....😄
Lol. No, NS&I have been informed, paperwork sent to them by the Solicitors dealing with probate, and online account has been closed. I’m assuming that until they pay out the bond numbers remain in the draw.
£25 for me, £75 for the wife, £25 for the late mother in law
You've still got her money invested !! Fraud if ever I saw it.....😄
Lol. No, NS&I have been informed, paperwork sent to them by the Solicitors dealing with probate, and online account has been closed. I’m assuming that until they pay out the bond numbers remain in the draw.
After someone dies the estate used to be able to keep them in the drawer for up to 6 months but they extended that in recent years to up to 12 months.
Got an offer accepted on a first house today. Have to tell someone as my gf is at work and can't answer the phone and I want to tell her first, but i'm sure you guys will keep the secret
Got an offer accepted on a first house today. Have to tell someone as my gf is at work and can't answer the phone and I want to tell her first, but i'm sure you guys will keep the secret
Got an offer accepted on a first house today. Have to tell someone as my gf is at work and can't answer the phone and I want to tell her first, but i'm sure you guys will keep the secret
If you need mortgage advice you know where to come....😉
Quick Qs for the more financially astute folk in this thread... and apologies if it's a bit basic.
Mortgage has just come up for renewal, it seems to me like it's a good time to go for a long-term fixed rate given that the base rate was a vote away from going 0.25% higher and it's trending up. Would you go for as long as 5 years fixed or is that a bit extreme? There's no real risk of downsizing etc.
Quick Qs for the more financially astute folk in this thread... and apologies if it's a bit basic.
Mortgage has just come up for renewal, it seems to me like it's a good time to go for a long-term fixed rate given that the base rate was a vote away from going 0.25% higher and it's trending up. Would you go for as long as 5 years fixed or is that a bit extreme? There's no real risk of downsizing etc.
Really depends on what you have going on over the next 5 years. Most of my clients have preferred a 5 year fixed than one over 2 or 3 years but you have to decide what's best for you. The fees might have a bearing on what you want to do - most are £999 but some lenders have their best rates at £1499 and their worse ones at £499 or even £0 - so remortgaging every 2 years could cost you a grand every time. Other thing to consider is do you stick with your current gender and just do a "rate switch" or "product transfer" or so you switch lenders completely & remortgage. Most lenders offer a free valuation / solicitors fees but a remortgage takes time (and effort) unless you employ a broker 😉.
As it is the market has factored in another 3 rate rises this year (4 in the US) although one investment house said yesterday that they think this is over estimating things & that Quantitative Tightening may put the brakes on too many rate rises this year.
The long term view is that the base rate will be around 2.5% to 3% by 2030.
Quick Qs for the more financially astute folk in this thread... and apologies if it's a bit basic.
Mortgage has just come up for renewal, it seems to me like it's a good time to go for a long-term fixed rate given that the base rate was a vote away from going 0.25% higher and it's trending up. Would you go for as long as 5 years fixed or is that a bit extreme? There's no real risk of downsizing etc.
I went for 5 years (Thanks Golfie :-/:smile:) but got in last year when 5 year fixes were sub 1%, was a no brainer at that rate. The 5 years are now over 1.5%, 2 years a bit over 1%.
Do the math and include fee's, I'd work on the basis that a 2 year fix in 2 years time will be 1.75-2%.
Quick Qs for the more financially astute folk in this thread... and apologies if it's a bit basic.
Mortgage has just come up for renewal, it seems to me like it's a good time to go for a long-term fixed rate given that the base rate was a vote away from going 0.25% higher and it's trending up. Would you go for as long as 5 years fixed or is that a bit extreme? There's no real risk of downsizing etc.
Really depends on what you have going on over the next 5 years. Most of my clients have preferred a 5 year fixed than one over 2 or 3 years but you have to decide what's best for you. The fees might have a bearing on what you want to do - most are £999 but some lenders have their best rates at £1499 and their worse ones at £499 or even £0 - so remortgaging every 2 years could cost you a grand every time. Other thing to consider is do you stick with your current gender and just do a "rate switch" or "product transfer" or so you switch lenders completely & remortgage. Most lenders offer a free valuation / solicitors fees but a remortgage takes time (and effort) unless you employ a broker 😉.
As it is the market has factored in another 3 rate rises this year (4 in the US) although one investment house said yesterday that they think this is over estimating things & that Quantitative Tightening may put the brakes on too many rate rises this year.
The long term view is that the base rate will be around 2.5% to 3% by 2030.
Thanks v much, appreciate the info (I put 'advice' but then pictured sirens going off in the FCA office). Will have a think and then decide to pour my money into Crystal Palace crypto instead...
Got an offer accepted on a first house today. Have to tell someone as my gf is at work and can't answer the phone and I want to tell her first, but i'm sure you guys will keep the secret
Congratulations, on the other end of the scale I just sold a house my Dad purchased in 1975, good old bricks and mortar.
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About time one of us CL PB investors was picking up one of the bigger prizes
Yeah right - sweet FA as per usual!
I'm just off to The Bahamas for a few weeks.....😉
Facebook is all that is bad on social media
Mortgage has just come up for renewal, it seems to me like it's a good time to go for a long-term fixed rate given that the base rate was a vote away from going 0.25% higher and it's trending up. Would you go for as long as 5 years fixed or is that a bit extreme? There's no real risk of downsizing etc.
As it is the market has factored in another 3 rate rises this year (4 in the US) although one investment house said yesterday that they think this is over estimating things & that Quantitative Tightening may put the brakes on too many rate rises this year.
The long term view is that the base rate will be around 2.5% to 3% by 2030.
Do the math and include fee's, I'd work on the basis that a 2 year fix in 2 years time will be 1.75-2%.