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Shall we stay or shall we go now
My husband and I are in a very fortunate position as we met later in life and have no major money worries. We have saved hard since we meet and are lucky to have 3 houses 2 in the UK 1 we live in and the other we rent out. We have holiday home in Southern Italy which is paid for. All of our children are grown up and left…
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Santander 123 eligibility
Hi - I was considering switching to the S123 account, but I'm not sure if I would be accepted. I recently graduated, and at the moment I'm seeking employment (ie. currently unemployed). Would this mean that I'd instantly get rejected? I'll probably have started working in the latter half of 2015, and would like to have the…
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switching bank account bribes?
Can anyone tell me what the reasoning behind the banks asking for a minimum pay in amount for the switching bribes they're offering is? Is it simply that it's not worth it for them if the pay in amount is to low? Also does anyone know if there are any clauses with any of the banks which state you have to stay with the bank…
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How to save a large sum of money for retirement.
I live on the Isle of Man. My UK house has just sold and I am wondering what is the best thing to do with the money to get me through retirement, which will start in 2-3 years time. I believe an annuity is not an option if you have not been paying into a pension pot. Is this correct? I do not want to buy another house, but…
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150k to park short-medium term, where's best?
Hi all Touch wood, in a few weeks I'll have c.£150k proceeds from primary home sale. I'm not buying anywhere else immediately but I'd like to retain instant access on that money in case anywhere suitable comes up. So who knows how long I'll be parking it somewhere, it could be 3 months or 3 years. Between jobs at the…
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New to investing, just a couple of questions
Hi all, I'm trying to get started with my first investments but there are a couple things I would like to clear up first to be sure everything runs smoothly. The idea is to open a Stocks & Shares ISA and invest in one of the vanguard lifestrategy funds. Right now I have about 5k I can invest (all at once?), after which I…
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Cash in high-interest bank account moved to ISA
Hi all, It's the first time I post in this forum so please pardon me if this question has been asked before. I did try to look for previous posts through the search option but didn't find anything. My question related to 3 paragraphs in the Top Cash ISAs 2014/2015 page Section 6. They state: "You also need to look at the…
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Converting $20 to uk£
Hi, what is the most cost effective way to exchange $20,000 to £? Many thanks.
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"Universal Mercantile Bank Ltd" Can you help me find them?
My elderly dad deposited £1,000 in 1970 with "Universal Mercantile Bank Ltd". He recently found the certificate and supporting letter, and would very much like to find out where his money is now! My google search has shed no light, so i wondered if any of you helpful folk had heard of this bank? Or if you can advise where…
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Boots Shares
My wife was awarded Boots shares when she worked there 15 years ago. She has original certificates but she has not received any correspondence in a long time. She has rang several numbers but keeps going around in circles. She wants to check if she still has them and if she can cash them in. Can anyone help? Thanks
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Total beginner: Debt free, 80k cash savings, single... What next?!
Hi all, I'm looking for your advice. I'm 32, UK citizen but live abroad and have saved up about 80k GPB. I don't know when (or if) I'll move back to the UK and have been gone for about 4 years now. I've no debt, no commitments or family. Earn around 75k pa however work on temporary contracts so is not a guaranteed income…
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Aldermore - increase rates
I had an email today from Aldermore Bank saying they have increased rates on 1, 2 and 3 year fixed rate accounts. http://www.aldermore.co.uk/personal/savings-accounts/ Hopefully this is a sign of things to come from other banks.
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Children's savings accounts not accessible until 18 for £6,600
My child has come into £6,600 through a court winning due to dog bite. It has been summons that I find an account that only he has access to and only at the age of 18. He is going to be 12 in February. Is there such an account?
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BoS Vantage
In one of my recent threads I was told it'd be better of getting Bank Of Scotland vantage rather than ISAs, I'm surprised why the Vantage details aren't posted on MSE or here that often suggested considering it has decent rates and that you can have 3 Vantage accounts. Are their any downsides? In relation to:…
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Advice about Index-linked Savings Certificates please.
From reading this..... http://www.bbc.co.uk/news/business-30095123 It appears inflation may be very low for some time. I took out my index linked certificates in May 2011. I'm wondering if it's possibly time to withdraw them and re-investing elsewhere? Thank you.
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Santander 123 account
Opened a Santander 123 account and got an e mail "don't miss out on your interest etc". Panic .... what have I not done? Double and triple checked account to verify I had met all of their conditions. Nevertheless, I worried until I got the interest paid. This month same e mail again. What a pain in the rectum .......... I…
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OEIC v IT
Hi all, I currently invest in a few open ended funds as part of my S&S ISA and was going to add some global small cap exposure through Baillie Gifford Global Discovery (all my holdings are large cap focussed). However I have noticed that there is a very similar IT - Edinburgh Worldwide IT run by the same team and has very…
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Another multi-account thread
Hi, We are between homes at present, having sold our previous home and waiting for our new home to be built. As such we have a sum of circa £150k sat in our current account earning diddly squat. I've been trying to figure out how best to get as much interest as possible in the months between now and completing on our new…
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Birmingham Midshires Sort Code
When I search for the B MIDSHIRES sort code 20-97-78 in any sort code checker, they all say it's Barclays? I thought BM was Lloyds? Confused?
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Gold anyone?
I chose FS global resources at the start of the month over the Investec Global gold fund. While the FS fund has grown by 5%, the more 'gold heavy' Investec fund has jumped 10%. The beginning of a revival maybe?
