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Cahoot online banking issue
Been trying all day. When I log into my online banking, it then takes me to my home page. Then whenever I click pretty much anything on my online banking screen, it logs me out automatically. Anyone else having this issue?
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Savings calculator
I’m looking for easy to use calculators to let me know best way to maximise interest income. I have 2,400 that I can save as 200 per month for 12 months at 6% to regular saver or save as a lump sum in fixed interest acc at 5% for 12 months - but I don’t know which will provide the most interest at the end of the 12 months.
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Old Unilever preference share certificates
I was sorting though some old papers belonging to my deceased father and found two share certificates for Unilever 7% and 8% Cumulative Preference shares which were bought by my grandfather in 1943. They are stamped on the back 'Probate exhibited 2 July 1965' with my father's name and a registrar's signature, so I imagine…
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Invest child’s money?
Hi, my 13 year old was gifted £16000 last year and it’s still sat in a regular account, we know we need to be investing it but not sure what the best option is. Any advice would be appreciated, high savings account, shares, premium bonds etc. Thank you
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Shares
I bought shares in a company called Tadpole Technology back in the 90’s the company went through bad times and I forgot about them, well my Mum informed me she found the certificates and shredded them all yesterday! Why she didn’t ask me before I don’t know! But first how do I go about finding out if these shares still…
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A BIT OF ADVICE PLEASE
Is it worth the wife and I putting £100k into a good easy access savings account I have at 5.08% and sucking up the Personal Tax Allowance, or where else can I put it? We are both 20% tax payers. I really don't trust stocks and shares, they seem to much of a risk to me. Premium bonds and cash ISA's are at there limit.
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Evening out children's savings accounts - help me with maths!
Hello all, Today I got to thinking about my children's savings accounts. Over the years I've put away bits and pieces for them but I want to target that now to make sure they have a decent lump sum when they hit 18. Currently, they each have £1500 in individual accounts. One child is 96 months old and the other is 48…
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Non-UK domiciled funds outside tax wrapper
The only fund I hold outside a tax wrapper is HSBC FTSE All-World Index (Class C, Inc.). To use this year's CGT allowance I want to sell it (the capital gain on my entire holding is, conveniently, just under £6000) and buy Fundsmith Sustainable Equity in its place. At the same time I would sell my tax-wrapped Fundsmith…
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"Inversely correlated funds"
I'm in my early-to-mid 60s, not really working any more, living off my and my wife's SIPPs, ISAs and dealing accounts. I've been a disciple for some years of Lars Kroijer and others, holding largely just global trackers and cash/gilts in a 70/30 proportion, plus one fund (Fundsmith) which is now so valuable I can't sell it…
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Saving vs investing
We're often told that it's wise to invest long-term in the stock market rather than put all one's money in cash, because the long-term expected return is much greater. That makes sense; when investing in say an instant-access account one is "buying certainty" by accepting a lower return than the bank can get by investing…
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Capital gain on investment bond
Hi, we have a join investment bond that we have had for approximately 14 years, which hasn’t faired too well over the last few years. We took our 5% tax allowance over each year and the policy year resets on October. We want to close the policy and based on the current surrender value of the policy, If it surrendered today…
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cahoot Simple Saver
Just been looking at this as it pays 5.12% interest, however looking on a few review websites such as Trust Pilot they seem to get slated. I know reviews are generally more negative but just wanted to check if anyone has an real world issues with Cahoot before I put money in?
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Change in Interest % Between Sending off Form and Account Opening
Hi there, I recently sent off for a 3 year Post Office savings bond. The offered interest rate was 5% for 3 years. They said it had to be opened with a cheque. By the time they opened the account and cashed the cheque, the interest offered was only 4.5%. Do I have some cooling off period to still get my money back before…
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Which other fund
Hi All, I have about £56k in Vanguard ftse global all cap index. I have a 1 year barclays cash ISA which matured yesterday which i am having transfered to my IWeb account. It is about £11.6k Is it better to keep this 1 fund or look for another. It is up 9.4% currently. I will be adding 20k in April. Thanks.
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Investment / Savings Split
Interested to know what peoples Savings and Investment Split I am 40 years old and have about 70K in Savings/ Investments (excluding a civil service pension and a SIP pension to top up the CS pension). Currently about 30% of that 70K is in a S&S ISA and the rest in easy access accounts (£20K) and the remainder in fixed…
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Advice on inheritance
Partner has recently came into a substantial inheritance. They are not interested in buying property. So is looking on how to best maximise by way of saving/current accounts and ISA. Also concerned regarding the 85k protection threshold and how best to avoid this. Any help advice would be most appreciated.
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Vanquis savings matured today but only received the interest!
Starting to worry a bit but perhaps I am just being impatient. Husband's Vanquis fixed rate savings account matured today. The interest appeared in our current account at about 9am this morning but the deposit (£8K) didn't, they just paid the interest. He tried logging into his account but on the main screen under Account…
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Base rate held..
Vote 6 to 3, with 2 votes to raise to 5.5% Looks like it will be longer than expected for rate cuts to be implemented. Bank rate maintained at 5.25% - February 2024 | Bank of England
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Fixed rate Cash ISAs - two questions!
Hi all, We save some savings to put into cash ISAs. My husband has recently transferred into Virgin Money's fixed rate ISA with an amount of 80k that he has built up over time. Two questions - 1. We have the option to add another 40k into this (or less) - 20k now and 20k in next April. Obviously this pushes us quite…
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Holding funds in general account
With pension and ISA contributions exhausted, and probably overweight in low coupon Gilts in GA, I'm looking to buy a fund to go in GA. Am I right in thinking if I bought say £50k of HMWO the dividend (1.74%) should be around £875 so well under the £1k tax free threshold for dividends, and providing gain is less than 3k…