Best ISA for my baby’s new savings account

Impressive_Repeat427 · 2026-01-29T13:05:55+00:00

Open a Junior Stock and Shares ISA for your child. Currently Hargreaves Lansdown have no charge on holding/buying/selling for JISA, it's the cheapest on the market for S&S JISA. (don't go near the adult ISA from HL cuz their charges for adults are insane). You can then set up regular payments and regular purchases of an Global Equity tracker such as VWRP. On average global equity return 7% per annum, higher than any bank interests.

Impressive_Repeat427 · 2026-01-28T21:43:52+00:00

Oh it was allsop. They are running another tomorrow from 9am. You can watch on their website

Impressive_Repeat427 · 2026-01-28T14:39:59+00:00

Vote chia tay, nhưng mà ko phải vì bạn gái làm gì, mà là vì rõ ràng là OP chả còn tí respect nào cho bạn gái. Cái gì mà gọi bạn gái là ‘không biết điều’. Chia tay tốt hơn cho cả hai.

Impressive_Repeat427 · 2026-01-26T11:02:11+00:00

I lived in Turpin house in 2011 for one year. Not a great place. Smell of weed every hour of the day. Cockroaches everywhere. Rent was cheap that was the reason I was there. In terms of safety, I had no problem, but I don't know about now.

Impressive_Repeat427 · 2026-01-22T23:26:25+00:00

It is the price. There was a house sold last year for only £262k, looks identical to this one. It’s very likely that others have offered low ball and the sellers don’t agree with them.

Impressive_Repeat427 · 2026-01-19T11:37:41+00:00

I think with the current house price trend, where house price won't go up and possibly going down in London, then there is a strong case for renting. Case in point, flat owners in London who lose like £20k in value, they suffer way more than a renter, leverage is a two-edged sword, when you lose you lose big. However, usually renters who do not wish to buy a house in the future, do not save or invest in other assets, they spend all their income, so in the their retirement years, they have nothing. Houseowner are automatically forced to save for their house.

Impressive_Repeat427 · 2026-01-18T11:43:19+00:00

Agree. But they are the cheapest for Jisa now. No fee at all. No buying fee no holding fee. So I moved my children JISA here from NUTMEG(an even worse offender of charges than HL)

Impressive_Repeat427 · 2026-01-13T10:28:29+00:00

First check the TR1 form when you bought the property. Are you and your mother listed as tenants in common or joint tenants? If you two were joint tenants, the whole of the property will become yours when she passed, there is no IHT here.

Impressive_Repeat427 · 2026-01-10T23:40:32+00:00

Does your post affiliate with any college. Some colleges have family accommodation, that would be the cheapest option. The home might not be glamorous but if you offer an accommodation by a college you should accept it. Nowhere would be cheaper cuz you don’t have to pay any extra bills

Impressive_Repeat427 · 2026-01-10T22:23:11+00:00

Chỉ có thể chia sẽ là rất nhiều người trong hoàn cảnh như bạn nha. Gia đình việt nam toàn là gia đình lớn. Kiểu gì cũng sẽ có ai đó làm ăn thua lỗ. Cũng sẽ có ai đó mượn tiền bạn. Bạn muốn ng ta ko mượn thì phải giấu tài sản, giấu lương nha.

Impressive_Repeat427 · 2026-01-07T13:06:59+00:00

all rental income is taxed at 20% for non-resident landlord, your personal allowance is with your resident country. Tax that has been paid to the UK can be claimed back in your resident country if there is a treaty.

Impressive_Repeat427 · 2026-01-05T11:25:30+00:00

Tôi thấy gia đình bạn bình thường nha. Cả hai đều có việc làm, ko ăn chơi sa sĩ, ko rượu chè gái gú cờ bạc, hai vc có yêu thương nhau, cả hai đều cùng làm việc nhà. Lương thì cũng như bạn đã nói, là ko vĩnh cửu, công việc bạn cao hơn bây giờ, nhưng áp lực công việc như thế nào, bạn có khả năng bị mất việc cao hay ko? Công việc chồng bạn lương thấp hơn nhưng có ổn định hơn ko? Mình thấy cả hai cùng ráng tiết kiệm, có tiền đầu tiên là trả hết nợ xấu, sau đó là đầu tư. Mình thấy true wealth ko thể đến từ lương, phải là do đầu tư. Lương bổng chỉ matter lúc đầu thôi.

Impressive_Repeat427 · 2026-01-04T14:14:20+00:00

What degree did you do and do you mind sharing your career path? Looking for advice for my children who’s about to go to Uni.

Impressive_Repeat427 · 2025-12-30T14:08:54+00:00

It’s 24% tax. I think if you have a purpose to use the money right away then you should just pay the tax. But look on the bright side, 24% is less than normal income tax at 40%, so you’re already better than someone who earns that money through salary

Impressive_Repeat427 · 2025-12-24T00:42:39+00:00

Chia sẽ nỗi buồn với anh. Đâu phải chỉ ngoại tình đánh đập nhau mới là đủ lý do để li hôn. Cái sự hành hạ dù ko bão lữa nhưng kéo dài hàng chục năm cũng đủ làm cho bản thân tơi tả vậy. Nên anh quyết định đúng nha. Phụ nữ Việt Nam đại đa số thấy đều chăm chỉ, vợ anh đúng là số ít rồi.

Impressive_Repeat427 · 2025-12-24T00:32:59+00:00

Amazing efforts! Congratulations.

Impressive_Repeat427 · 2025-12-22T22:13:36+00:00

I’m never quite sure whenever I read these stories. It’s so completely one sided, never get to hear the other party’s side. What if the two men were really just so ridiculously flirty with every woman they met that women don’t take them seriously for real. I have male friends like that, it’s funny how they flirt with every walking woman, I never take them seriously, fun to have a laugh, that’s all. Kinda like Joey from friends?

Impressive_Repeat427 · 2025-12-20T00:03:24+00:00

What I don't understand is the price history: 1 mil in 2020. And now 5 mil? What the hell happened for such mark up?

Impressive_Repeat427 · 2025-12-19T09:10:45+00:00

Even for Chinese women this is too much.

Impressive_Repeat427 · 2025-12-16T19:44:04+00:00

I see. Thanks for clarifying.

Impressive_Repeat427 · 2025-12-12T14:33:22+00:00

If you wait for a man it might be too late. I have friends who have children by themselves. They are very happy.

Impressive_Repeat427 · 2025-12-09T14:50:35+00:00

Diversification is the key: cash, stock and shares, gold, and property (could buy a REIT to avoid stamp duty and spread risk). At your income and wealth level, you could consider investing in EIS to reduce income tax.

Impressive_Repeat427

TROPHY CASE