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Pru Payout
Hello all.. First time poster seeking options... To set the scene, I am a UK / AUS citizen living in Australia since 1990. I have not paid UK tax since around 1987. I only visit for holidays.... A few years ago I had a PRU pension plan mature and since then the funds (~30k) having sitting idly in a Halifax account doing…
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New to saving - where to begin?
I am awful with money. I was £30k in debt not 3 years ago. Now I'm debt free. My credit report is naturally shot to pieces and awful. I was advised to get a credit card for bad credit people to build up my rating and couldn't even get that (Aqua). Never had CCJs but some were settlements. Credit report won't be rid of…
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Child Trust Fund problem
Hi all. My youngest daughter, born August 2006, was born overseas when we were non-UK residents, so never got a Child Trust Fund. We are now back in the UK and I am wanting to invest into a Junior ISA for her but my assumption is that we cannot do this as she was born when CTF's were available for her age group. Can we set…
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Got 10k to invest in 2014 for 12 months, idea's ?
Hi everyone! I would like to invest in some companies but just for months ideally but no real deadline and could roll over for a year or two more if necessary and would like to aim for maximum reward but also looking for companies that are not total outsider bets, something that's a pretty good bet for 2014 so to speak.…
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H&L Double transactions on monthly subscription
I have an ISA with H&L, paying £500 into it each month, which is used to buy 5 funds. Just noticed that this month they have purchased one of the funds twice, leaving my account with a -£100 balance. For my Wife's ISA, we do the same and they have appeared to have purchased 2 of the funds twice, leaving a balance of -£200.…
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Cahoot and Intelligent Finance winding down?
I have read articles on other websites which suggest that Cahoot & Intelligent Finance are winding down operations. Both no longer offer accounts to new customers and no longer market their services. Cahoot is my main current account & I also use an IF current account. What will happen if they close? ie will I have to…
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Shares when company is sold
I have some shares in a 120 outlet retail company, ABM (previously bought on sharesave schemes). Up until about 1 year ago I was happy to keep these and let the value continue to rise. However, the shares have plummeted in value over the last 3 months and are around 10% of their value 1 year ago. The company is obviously…
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What savings investment vehicle(s)
I have around £30K in cash ISAs and £45k in the highest paying savings/current accounts I can find. About £10K of the cash is on 0% credit cards and will be repaid in full before the 0% expires. I don't have any other investments other than £200 in premium bonds and I don't own a property. I do have a small pension too and…
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Building a Balanced Investment Portfolio
Hi All, I was hoping that through this thread i would get some good advice/opinions with regards to the various savings and investment options out there. I intend to use this thread as also a tracker of what i decide to do. Background Information I am fairly young (24), and am fortunate enough to have a relatively high…
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ISA or regular savings for just a couple of pounds
With the paltry interest rates, some may say it wasn't the hassle writing the thread, but it is a money saving forum after all. I have saved before but I'm trying to properly start my savings career now At first, I am planning on saving an extremely modest 250 every month (without getting to it) and putting it somewhere.…
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Interest on my EveryDay Savings..
Hello, I have a Everyday savings account and am not a tax-payer (I am a Student) but I do not have a Student current account. I have noticed that my interest is taxed - my statement says I have earnt X amount of interest but what I actually get is quite a lot lower. Am I right into thinking that the reason for this lower…
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First Direct Internet Banking Plus
Does anybody else use First Direct's Internet Banking Plus to access their other savings accounts? If so, have you had any issues recently? Maybe it's my pc, but I've not been able to access it for the past few days. I can log in ok but it just goes to "Retrieving data from digital safe. Please wait... " but doesn't load…
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NS&I savings certificate - cash in or renew?
I have an NS&I index linked savings certificate that expires next week. I can cash it in or renew it for another 3 year term, with an interest rate of RPI based index linking+0.05%. I've renewed it in the past. But they have just changed the renewal terms so that there is a penalty for cashing in early of 90 days interest…
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Children's savings - £100 rule
Hi, My children have been given some money by their grandparents. This has been paid into their savings account that pays 0.25% interest! If I move some of this money into my current account and then drip feed it into a Children's regular saver account, is it still exempt from the £100 interest rule for parents? Would the…
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BMSavings
I'm trying to log into my BM savings accounts but every time I click on 'log in' the AA internet savings log in page appears. Its never done this before. I know the two are linked (Bank of Scotland) but surely this shouldn't be happening.
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ICICI Bank - 1 Year Fixed Rate HiSave account maturing
In December 2012 I applied to open the HiSave 1 Year Fixed Rate of 2.49% with ICICI Bank, as it was the best 1 year saving rate given on MSE. I applied just before Christmas, and the money was taken out of my current account at the start of January 2013. I've had statements from ICICI in 2013, accessing them online through…
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Selling shares when they hit a price?
I'm sure it's possible to do this .... Can anyone tell me how I go about it? I'm fed up of the share price going down between me seeing the favourable price , instructing the broker and them doing the deal. I thought I might get them to sell if/when the share price reached the previous years high, for example. Or is there…
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Halifax ISA Saver Fixed - maturity
Hello I have received a Halifax maturity notice, for a 2 year fixed ISA The options given are;* move to ISA Saver Fixed (poor rates) * move to a savings account (lose ISA status) * withdraw (lose ISA status) If they don't hear 5 days before maturity then the money is transfered to ISA Saver Variable @ 0.5% without bonus I…
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How should I ask 'nicely' for my inheritance?
I know this may sound like I'm going to go and say "I need my inheritance. You've given it to other family members, why not me?" but I'm not. I want to ask nicely if it's possible to have it early. I've already had roughly half since he gives it as 'Christmas presents' each year. But now I'm older, have a job and I'm…
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Overseas shares in custody account. How to access them?
I posted this in the share dealing thread, on reflection I suppose it's not really dealing as such and so started a new thread. Sorry for the duplication.... Hi, I wonder if someone can help? I have some shares in danske bank, for a company trading on the Copenhagen stock exchange. I got these from a former employer. They…
