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Henderson Global Investors
Some help please 🙂 My mum has just received a letter from this company who say that they are holding a cash balance on her behalf. Doesn't say how much or where it's been invested. In order for her to claim it they are asking for some proof if ID, such as a utility bill etc. I've never heard of them and my mum has no idea…
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MSE News: Metro Bank closes market-leading savings fixes to online applicants
Savers hoping to open the Metro Bank top fixed savings accounts will only be able to do so in branch... Read the full story: Metro Bank closes market-leading savings fixes to online applicants Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
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Advice on what best to do with my inheritance: investment
I should receive my inheritance early next year of about £55-65k and looking for advice. Out of all the issues I have at the moment, investment is the iffy part for me. I don't know much about investments (stocks, share, funds etc.) so really want to avoid this but this seems to give a better return (depending on the risk…
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Advice on what best to do with my inheritance: savings
I should receive my inheritance early next year of about £55-65k and looking for advice. I'm happy to lock the money away but would also like to add money monthly too. Most accounts you lock your money away don't allow transactions in either direction so this doesn't seem to be an open option. I see a Satander 123 bank…
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Personal finance blogs for inspiration - any recommendations?
Hello all, I couldn't find a better place to post this, so here it is. I am looking for recommendations of some good personal finance blogs. I know of JD Roth and Mr Money Moustache - but anything else? I don't mean anything very basic, (I've been reading about personal finance for a while), and possibly UK based too. Some…
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House sale proceeds
I've now sold my house and have £400K to invest short term until I find another home. Hope to do this within 6 months. Any adice please
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Some basic advice needed getting started
Hi all, I am new to investing and dealing with bank accounts, I have only recently received a lump, before which I've just been living off pay check to pay check. I basically just want to set up the money in the right accounts, so it can sit there and earn a little interest whilst I take my time researching properly how to…
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Savings
I have a decent amount of money saved in an account with Halifax that gives me a monthly interest which I can withdraw every month without any penalty. Halifax is now planning to reduce the interest below 0.5% and I want to move my money elsewhere but I cannot find another rank that gives me a similar arrangement. Anybody…
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Stocks and Shares Advice
Hi I am thinking of dipping my toes into the share market and buying some shares. I wanted to get some advice before I look into this as I have never bought any shares before. I understand that buying shares is a big risk but can also be very beneficial in the long run. I wanted to ask if anyone has an recommendations of a…
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FirstDirect S&S ISA changes.
First direct are introducing a quarterly fee of £10.50 for holding shares, so £42 a year. I'm with them as I make few trades and just leave my shares in place so this worsens the deal. I've apparently got until end of December to move my ISA free. Is there anywhere that offers a better deal? I've made 3 buys a year over…
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Moving from TSB Isa
I am 79 years old and have £9,000.00 in my TSB Isa. The interest rate is dropping next month to be almost non existent. Where would it be best to move it to, somewhere with instant access if possible and not complicated to arrange.
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pensioners saving
Hi Can anyone tell me how much a pensioner can have in the bank or building society before the government stops their benefits please? Thanks - in advance. :T
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Saving £70k for 6-12 mths
We're selling out house & going into rented for 6-12 months as we've just been gazumped & don't want to lose our buyers. Can anyone recommend the best savings vessel for our money for that period? Thanks!
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Short term fixed rates hotting up
What with Metro Bank launching last week: 1 Year bond paying 2.10% 18 Month bond paying 2.40% 3 Year bond paying 2.70% And now Shawbrook today: 1 Year bond paying 2.15% 18 Month bond paying 2.35% 2 Year bond paying 2.45% Things are now beginning to slightly look up for savers.
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NS&I Index Linked Saving Certificates
I have a 5 year NS&I Index Linked Savings Cerftificate taken out May 2011. The interest payable is RPI+0.5%. With RPI now down to 1.1% is it time to cash these in and invest elsewhere?
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Barclays Open Invest Closing, Advice Needed
Hi all, first time poster. I've been getting some recent communication from Barclays about my investment product (dynamic tracker 80) with them closing down. I have three options, move to their new product, close the service down, or lastly move it to a new product. Admittedly this is something I've been procrastinating…
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Encashing an Offshore Investment Bond
Hi, I have an Offshore Investment Bond with St. James Place International. I'm a UK resident and wish to encash the Bond which will incur an income tax charge - mostly at the top rate in my circumstances. I plan to retire abroad in the next few months. Is it possible to avoid this tax charge by waiting until I become a…
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Cash ISA transfer to Virgin Money
About 3 weeks ago, I opened online a Virgin Money 1 year Fixed Rate E ISA paying 1.81% pa. The purpose was to move 3 cash ISA's (all previous years' subscriptions) which had just come out of fixes with Nationwide (2) and Bank of Scotland (1). Anyway, the account opening all went through easily and I then, as instructed on…
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Club Lloyds Monthly Saver ending
Hi I have a monthly saver with Lloyds. They have just written and said the 12 months is up at the end of this month. Am I able to open another straight away I wonder??
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Share Certificates
Hi all, recently transferred some shares from my sharesave into wife's name. She has now been sent a share certificate from capita. What do we do next? Ideally would like to put them in an online share dealing account so we can sell all/part of them when it suits. Is this possible? What's the process ? And any…
