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Old Scottish Widows ISA delaying payment of funds
We've got a Scottish Widows Index Tracker ISA, taken out before the days of faster payments and we've recently asked them to liquidate some units and pay the cash into our bank account. The ISA has only limited internet access but we were able to see the units reduce on Thursday. Since then, we've checked our bank account…
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Hi Help please, what next? ...
Hi I'm new here and would appreciate some input from the 'knowlegeable' on here. Hopefully... You'll notice that I have been busy... Here's the tester though... I'm out of ideas and could do with some advice, assistance and/or inspiration: I'm contentedly allocated in S&S, good bit in an ISA and good bit in cash in my…
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Santander 123 Fixed Rate ISA - Changes due?
Good afternoon everyone, I spoke to Santander this afternoon as i had a couple of questions regarding transferring an existing ISA to the 123 2 Year Fixed Rate one. The guy i spoke to told me to do it over the weekend if i wanted to change it. He would not be drawn as to what might be happening Monday but i suspect the…
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prudence savings account help!!
Hi, am completely useless and clueless about anything like this so desperately need some help in finding out if I can withdraw money from my prudence savings account and how, and it says something about a charge for withdrawel too.Replies as if talking to a five year old alien please:(
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Private Equity Investment Trusts
I'm considering risking a small amount (maybe 5% of total investments) in a private equity investment trust. Partly for diversification and partly because I like a bit of a gamble. I've done a very quick analysis using the AIC website and haven't delved into the nitty gritty of the trusts themselves, but would be…
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Negative interest from UK banks?
I see the ECB are now "paying" negative interest on deposits from member banks. I wonder how much of a leap is it to the possible day where we will be paying our banks for the privilege of saving money with them. Probably not as far fetched as we all may have dreamt.....
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lloyds vantage / tsb vantage
Done a quick search but being lazy as can't find it: When does the Lloyds Vantage interest rate drop and DD requirement start? And have TSB announced any similar change yet?
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Newcastle B.S. changes in terms & conditions
Hi I have just received the following via email, and thought I should share for those that may fund their savings account by DD (I do):- IMPORTANT CHANGES TO YOUR NEWCASTLE SAVINGS ACCOUNT GENERAL TERMS & CONDITIONS Following a recent review of our Savings Account General Terms & Conditions, we have made a number of small…
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Money in Limbo..Where would it be safe..Stuck!
I've just joined the Forum as I've searched and searched for something applicable to my predicament with no luck. I have received my divorce settlement quicker than I was expecting. I complete on my new house in a week and was only expecting monies to cover this initially. So, I plan to invest the majority of the remainder…
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Anybody received their Vanguard Lifestrategy dividend?
Hi there, The Vanguard Lifestrategy 100% income fund (and probably the other Lifestrategy funds) had a dividend settlement date of 29th May. Has anyone received their dividend payment? I am particularly interested in anyone whose Lifestrategy funds were ex-dividend when they transferred away from HL. Have your dividends…
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Santanders 2.3 fixed is a rate
Sorry if this has been covered in previous postings. I have just found out that the interest rate is being reduced to 2percent interest rate from this coming Monday, I hope this helps, I managed to open one for me & the wife this morning, the full amount as to be in by the 31st August for the full £15000 deposit.
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TSB Plus second account?
Do people need to wait a while before applying for a second one? I've only just got mine set up [1] and online it currently says I can't have a second account. [1] online activation code received this week, topped up to the full amount, standing order in set up and working, standing order out set up yet to make first…
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Splitting 2014/2015 ISAs
According to your latest newsletter, 'you can open multiple ISAs with Nationwide, ....... as long as your combined Nationwide balances don't go over the total cash ISA limit'. I currently have a cash ISA with the Cheshire Building Society (now part of Nationwide). I called them this morning to ask how I could go about…
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How much should I leave in my ISA?
I've finally managed to get myself on the property ladder. Due to complete in September. I'm undecided on where it's best to leave the money I will have left. Currently my accounts look roughly like this: Santander 123 £20k ISA £43k Savings Accounts £55k After paying the deposit for the house, legal fees, stamp duty and…
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Stocks & Shares ISA's
I have a new IFA, I need some help as near to retirement, and setting up pension plan. Have some savings in the bank doing nothing. IFA has suggested stocks & shares ISA for myself and wife at £11,880.00 each, Set up charge is £950.00 total for the 2 ISA,s is this a reaonable charge. This seems a lot to me.
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Inherited money any advice on how to use it wisely welcome...
I would like some advice, but let me firstly say that this post could sound smug and I hope it doesn't, I genuinely would like people's opinions on what to do..... To start with here's a bit about us... Us- myself, OH, ( both early 30s) 1 dog, 2cats, 2 hens and 1 pony. Our net monthly income £3500 Current house/mortgage…
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Santander 123 current account
I've opened one of these purely to earn 3% gross interest (I'm a non-tax payer) I have arranged to have £500 credited to the account each month from a non Santander account I have a balance of £20,000 I have arranged to pay 2 charity direct debits out of this new account every month I know I won't get any cash back, I…
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Children's Regular Saver - Halifax
Hi, I opened a children's regular savings account @6% with Halifax for my new born son last year, the account is 12 months old at the end of the month, and changes into a children's savings account @3%. Just wondering am I able to open a new regular savings account @6% for him next month with Halifax when the his old one…
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Fund charges query
Hello MSE'ers I'm looking for some help with explaining how the new fund charges work in the following ISA situation: About 10 years ago I invested in a stocks and shares ISA through Best Invest. The first year I only used half the allowance of £3,000 and purchased a Henderson Global Investors Fund. The second year I…
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sippdeal just sent me a P60
not sippdeal, sorry thy're called youinvest now anyway they just sent me a P60, which says I am an employee, with a works number and everything. It's obviously a zero hours contract because they haven't paid me anything. But I have been employed all year so do you think I can claim holiday pay? put alternatively !!!!!!?
