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Virgin Easy Access E-Saver 5
This 2% AER online account has been withdrawn this morning for new applicants. A 2% AER Virgin Easy Access account is still available, but with Branch access only. :(
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Child Current Accounts
Hi All, I have an 8yr old daughter and a 4month old son. I would like to open current accounts for both so they have somewhere to put pocket money, birthday money etc. rather than keeping everything in a money box in their bedrooms. Can anyone recommend a particular bank from providing this? I've had a quick look on some…
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PO Online Saver Issue 17
I took one of these out last year but cant for the hell of me find out on the website if the interest has come down from 2.95% when I applied. Anybody with the same account cast any light?
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M&S cuts savings rate - heads up!
Typical. I thought I had done well opening a M&S Everyday Savings Account just before it was withdrawn - it was paying 2.35% which included a 1% bonus for a year. (All figs AER) Just received a letter saying that on 12 April that are cutting the rate including the bonus from 2.35% to 1.35%. The effect is to abolish the…
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Old Avis plc shares
I have got some shares in Avis and because we moved house we were not contacted when they got bought out. I have no idea how to sell them now if indeed we can.There is no number to ring,no contact address anymore and no info on the web. All I have basically is the certificate. Not very experienced in this sort of thing,…
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Banks - right to know?
Continuing in my quest to tidy up my finances, I took time out recently to resurrect a dormant (closed) bank a/c. I hadn't been too bothered about this as I knew the sum to be minimal and considered my time to be more valuable, but now my local branch is open on Saturday mornings decided to take the opportunity. I also…
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Share Giveaways!!!
Hi All, I am a first time poster here so sorry in advance if this is the wrong area etc. I am doing some research into share "giveaways" and offers (due to privatisation, building societies floatations, etc) over the last approx 30 years. I am just about old enough to remember the rash of building society ones that…
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ISA New declaration?
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beef or horse - does it matter?
the title says it all - people will still eat beef even though it may be horse ditto -people will still study past performance tables even when we are actually told they're meaningless. which leads me on to advice - usually based upon meaningless stats, tables and forecasts that bamboozle the general public luckily…
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A question out of curiosity
Is there anyway to claim tax back on investments as a PAYE employee? For example if I am investing on behalf of my children or myself, in this country or abroad. Is there anyway to lock money aside and be tax efficient in the process? No doubt the answer will be no, but its always worth asking. If no, would this be any…
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Advice for Financially clueless parents
Hi, I am posting on behalf of my parents who I believe may have been mis-sold a Portfolio Bond. They were advised to invest a £20K redundancy payment in a CGU (now Aviva) Portfolio Bond. This was in 1999. They have literally done nothing about it since!! They have received annual statement but due to a lack of…
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Transfer pension from NPI?
Hi guys, My OH has very old NPI pension pot, from many moons ago. He recently looked into transfering it into his current company pension and requested Transfer value documents. Looking at it, there is large MVR (market value reduction) charge. It is nearly third of the pot. Also in "thinks to consider before transfering"…
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FO and UT prefix in Funds research tool?
Silly question - using the funds research tool on the II site, I note that funds are prefixed either by FO or UT. What do these terms mean please?
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Investment advice.
Hello all, My first post and I am aiming to gather some advice on how to best invest my money. I will put all my cards on the table as it seems to be a potential minefield and aside from speaking to a financial advisor I thought this was the best course of action. Also, sorry if this isn't allowed, I literally have…
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R40 or R85
My wages and savings interest are under the personal allowance of £8100. I do also have some ISAs, the interest of these would take me over the personal allowance. Does the interest from my isas affect this? Would I still be able to fill in the R40 and R85 forms to get my interest tax free and claim back a previous year?…
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Financial health check -advice please
Hello Looking for a financial health check as a savings rate is about to expire and would appreciate some pointers. Currently have: Cash isas :25k S&sisa 12k (vanguard lifestrategy with hl) Cash savings 17k (fixed rate about to expire) Other savings 5k (small number of individual shares, bonds, some premium bonds, some…
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Company pension plan? Worth considering?
Hi I have just recently joined a UK wide company and they have a group company pension. I have now completed my 3 month probabation and am considering joining. Just wanted to get others view before i commit. My current standing with it is it seems like a good deal. Basically if i put 6% of my salary, the company would put…
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F&C Child trust starts annual charge
I have 2 Child trust funds with F&C. They haven't performed very well....but then I understand why. I have a letter from them telling me they are going to start charging £25 per year fee for each account. This will eliminate most of the growth each year. They are very nice and suggesting I pay it myself, not from the fund.…
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Tax Return
I have worked for a large blue-chip company since leaving school. My tax is paid via PAYE. I haven’t completed a tax return since my apprenticeship 30 yrs ago. At the previous office I worked in, the local finance expert said that to stay tax return free I should never sell shares worth more than the CGT limit. That was…
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How can I get access to saving my Grandad has for me ?
Hi I'm desperate for help on this, my Grandad has a savings account with Halifax, called Liquid Gold, and any mail regarding that account comes as "Mr (My Grandad's name) in re (My name)" My Grandad suffers from dementia, but not too severe, no one has power of attorney over him. My Gran can't remember anything about the…
