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Bank accounts
What is to stop me opening an account, say Halifax, getting the £5 bonus a month then transferring my income into another account every month to get the high interest? The Santander does not interest me as I do not have direct debits for rates, water etc. come to that can I open a savings account then transfer money…
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Hargreaves Lansdown - Selling costs
Very basic question and, as ever, I can’t find a straight answer on HL. I have investments in a few funds through my S&S ISA (Vanguard lifestrategy & Invesco Perpetual Japan). Simply, if I wish to “sell” with regards to either of these funds are there any costs incurred? I can’t see that there are – I understand that if I…
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Cash ISA Transfer
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Fixed ISA - Help!
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CGT on Unit Trusts - Blackrock Consensus
Hi all, Once again I am highlighting my naivety when it comes to taxation. I have filled up my ISA allowance for this year. I would like to purchase one of the new Blackrock Consensus Acc funds with a small lump sum and adding to it monthly (maybe with the aim of wrapping it in future in an ISA). Am I right in thinking…
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Coventry RS +2 issue direct (formerly Stroud & Swindon) IR drop
Guess it was always going to happen but this account will drop its IR of 4.5% to 3.5% from 1.6.13. This is with the bonus - without the bonus drops from 2.0% to 1.0%. Shame as this was the last of my RS a/cs that still paid a decent rate - although 3.5% is fast becoming a decent rate when compared with other RS a/cs…
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Investment Plans - A Critical Eye
I have seen people recently solicite the opinions on this board of their investment portfolios and plans so I too will join the queue. Background: 35 and currently have a company pension. I'm using my annual ISA allowance to provide an income that will hopefully supplement this in my retirement years. Currently have 3.5…
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Will Co-Op Bank's troubles affect a Children's Mutual Child Trust Fund?
I"m not entirely clear on the relationship between Co-Op and the Children's Mutual CTF but I remember from the application process that there is some linkage between them. Do the current troubles facing Co-Op have any implications on the CTF?
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Are savings rates in eurozone better due to no FLS?
Something I've been wondering about is that people seem to be blaming the UK government's FLS scheme for the reduction in savings interest rates over the last 12 months. Say instant access rates have reduced from >3% to <2% now. Now that the eurozone base rate is the same as ours at 0.5%, what are comparable savings rates…
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Effective saving - how do you manage it? Also, tips to improve credit score?
Hello all, I've recently started my life after university and my current goal is to save up a minimum of £10,000 (probably would aim for £15,000) with the intent of using as a mortgage deposit. I am currently sitting at around £3,200 - £3,500 but it's taking so long. Saving is very restrictive on being social - I find that…
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Passive investing - starting ?
please advise I'm new to this, but want to invest £50pcm in vanguard ls 80:20 or similar product. Would VG be too expensive, and would something else cater for my low, passive investment introduction? Or would I be best lumping £50x12 into VG annually (if that is allowed). Just want to stick a small sum away and leave it…
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Is it wrong to use Children's savings...
Hi there, I am looking for a second opinion really...I know Martin advocates paying off debts with savings but the trouble is it's not my savings... I have two small children and they currently each have £1500 in savings. I also have a property which I rent out and I only have 10 years left on the mortgage. As far as I'm…
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INGdirect business as ususal? Or Barclays savings?
I have an ING direct account that has just had its rate downgraded from 3% to 0.5% Normally I close the savings account for 6 months and then reopen and get the introductory rate. I have moved my money to instant access. I don't have a lot of savings so I decided to keep it in an instant access account. Currently on…
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Intelligent finance interest dropped - are there any other accounts with savings jars
I've been using Intelligent Finance for years and years, initially I had a car loan which was offset, then they dropped that, but I love the savings jars, and I have about 7 for car, house, kids stuff etc which I pay into every month and can then fund the insurance/tax/shoes as required. They keep squeezing interest, just…
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Premium Bond Cheque?
Hi all, Hope someone can help me please! I've just recievd a cheque for a small win on my long held premium bonds - however, it's probably the one thing I forgot to change my details on when I got married 3 years ago, so is therefore made out in my maiden name. When I changed the name on my current account I was told that…
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Aldermore To Withdraw Two "Best Buy" Accounts
Aldermore Bank is set to withdraw its best buy Easy Access Account Issue 6 paying 1.70% gross/AER and 60 Day Notice Account Issue 3 paying 2.10% gross/AER tomorrow (Wednesday 15th May). The accounts can both be opened online or by telephone with a minimum of £1,000, so if you are interested, you still have time to snap…
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Interactive Investor a bargain???
I have about 100k to invest in an S&S ISA and a GIA and am also considering moving various personal pensions with high-ish charges to a SIPP. I already have money in cash ISAs and ordinary savings accounts which is why I come fresh and innocent to investments. I am inclined to passive investment for the bulk of my…
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Where to Invest?
Hello fellow MSE users I'll cut straight to the chase, i have some money, £10,000 - £15,000 which is currently sitting in a Halifax Current reward account... I opened a 3 year Cash Isa with Halifax at 3% before the deadline this year, where i have invested the maximum allowance, so all is good on that front. However, i am…
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Cineworld share value prospects?
The Cineworld share value has risen from 240 to 320 in the last 6 months rising 45 in the last month. Appreciate nobody knows for sure but is there any indication if value is likely to rise further or would now be a good time to sell? General share meeting Wednesday 15 May?
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Bank Of Ireland UK - phone number
Has anyone got a geographical or freephone number for Bank Of Ireland UK savings? Saynoto0870 doesn't have one - the only numbers on there are for totally different departments e.g. mortgage and they're the sort of grumpy people who won't transfer you if you play dumb and pretend you were given the wrong number - I tried!…
