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Hargreaves Lansdown s&s isa charges
i am thinking of starting my first s&s isa and am confused about the charges. H and L website says initial charge 5% then saving 5% . Does this mean they are not charging? . Can someone please explain the procedure when opening an s&s isa. I am looking at the maximum amount this tax year £11280 and then possibly the same…
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Reviews of bank/building society account experiences
Hi Quick question for those with a bit more financial expertise than me. I am looking at taking out some savings products and also thinking about changing my bank account and was looking for a website which features feedback/experinces from customers as to how their bank has treated them a bit like the amazon product…
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Problem with Estate Agent
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Bank closed ISA by accident?!!
I called HSBC to ask how to transfer money from my HSBC ISA (opened this year) to my ISA with another bank (opened 3 years ago and not paid into this year) in the next financial year. The woman told me (after putting me on hold twice to speak to her supervisor) that i couldnt have 2 ISAs at the same time. As such my ISA…
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Way round transfer of ISA?
I was looking at opening the Coventry BS cash ISA at 2.8% but it doesn't allow transfers in (which I wanted to do). Am I being really silly if I open the Coventry ISA this tax year using £5640 of savings (which currently offset against the mortgage), then pay £800 in the new tax year and then, just transfer my existing ISA…
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Best way to minimise AMCs
Hi a number of years ago I invested in S&S ISA directly with fidelity. I then took IFA advice and so all my self invested and ISAs invested through the IFA are paying him 0.5% commission. His firm has been taken over and I am not really getting any service from the new firm. Fidelity have advised that I can become a Direct…
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santander scrip dividend scheme
Santander has written to me about implementing a scrip dividend scheme and are asking me if I want to continue with default Option 1 (hold my rights and receive shares) or go with Option 2 or 3 (sell my rights and receive cash on or off market). If I go for Option 1 I don't have to do anything but for Option 2/3 I have to…
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First direct 1st Account identity confirmation question
Hi guys I recently applied to open the 1st account current account with first direct and this morning received an email saying that I needed to confirm my identification and address. I got no problem with the confirmation on my address as any bank statements will do but I got problems on the identity section. I got both a…
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Is it time for the share save limits to be raised?
Hi guys, for years I have took advantage of the share save schemes with my employers in fact I take full advantage whenever I can but the £250 total limit which has now been around since the 90's is proving to be a bit of an issue as like this year I cannot take advantage as I am maxed up on the previous two years. Just…
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4% gross interest at Kent Reliance
4% gross seems a good interest rate in the current climate even for a regular savings account. Plus points :j- * No minimum age to open an account. * only £25 needed to open one * Can add £500 per month so can drip feed * instant access with no penalties * can set up a standing order to pay in Draw backs :( * Need to open…
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halifax online saver matured yesterday but no interest yet?
has any one else had the Halifax online saver account? How long did it take to get interest paid in? my bonus rate expired yesterday (anniversary of the account) and rate dropped yesterday to 0.10% however no interest has been paid yet. No interest paid but left it to today as thought may be paid over night after maturity…
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lump sum and drip feed funds?
I have £16k sat in a isa wrapper and wish to drip feed £300 a month into 5 equity funds in uk small company,emerging market,asian pacific,uk select and global. Should i split equally the £16k and £300 a month into the 5 funds? or is there another logic way to go with this thanks
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ISA transfer
Hello, I was wondering I have an ISA with santander, When come april I was going to add £5760 to that ISA. Then when the introductory offer ends in June. I was going to transfer the whole lot to another ISA? Is this above plan feasible. Thanks
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To use up S&S ISA allowance or not?
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Shares as Wedding Gift
Hi, I am getting married next year and we have lived together for so long that we have all the things you usually get on wedding lists. I know you can have cash for honeymoons but I thought about been given shares instead. The best idea would be to open a share dealer account and get people to pay into it and maybe select…
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Children's inheritance
My children aged 6 & 7 have been left £20k each by their grandmother. There are no conditions with their inheritance so I assume I can just put the money in their savings accounts and then each year transfer their limit into their child trust funds? Can I just to this or do I need to set up a bare trust? If I need to set…
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Charges on trackers - how do they work?
I have a S&S ISA which is a FTSE all share tracker with Legal and General, in which we have been investing for 12 years. The TER for charges is 0.56 and there are cheaper trackers out there - eg HSBC with a TER of 0.27% So as it's the end of the tax year, we could choose to stop paying into L&G and start with a cheaper…
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Should I "grow my own" fund?
I am thinking to put 5K into a S&S ISA (my cash ISA allowance is already used up) I am planning to put it into a Fund, as I know nothing about shares. Questions: 1) Why buy a fund when I could just make a "home-made fund" by investing directly in the main companies of the desired fund? ie. if the fund is 10% BT, 10%…
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BTL Landlord advice
Who is the best person to speak to to get some sound advice on my BTL portfolio? My mortgage advisor is suggesting keeping my properties mortgaged and although I understand this is good for tax purposes, I need advice on whether I am building it in the best way I can.
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Estrela Do Atlantico, Natal Brazil
Hey, Is there anyone who has bought an apartment in Natal whose name Estrela do Atlantico? Am very interested and get in contact with other buyers. The apartments were sold by a British-based company called Obelisk International (which, incidentally, has sold a number of apartments / houses Abroad, which has not been…
