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MSE News: Savers to be shown clearer interest rate info as regulator boosts switching
Banks will soon be forced to give savers clearer information about easy access savings account interest rates... Read the full story: Savers to be shown clearer interest rate info as regulator acts to boost switching Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it…
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Nutmeg Investment - any good?
I have been introduced to Netmug Investments, they are online, Im slightly wary of anything new online, but have heard good things, has anyone used them?
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Santander-Am I a fool busting the FSCS limit with this bank?
I have bank accounts and ISA's with Santander that already take me past the £85000 limit by a couple of thousand pounds but with the new limit cut to £75,000 my exposure will be increasing if I do nothing. The problem is if I move any money I will take an interest rate hit. I have taken the view that if the bank was…
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Regular Savings or High Interest Current Account?
Hi all, Firstly apologies if this has been asked in the past. I have around £5k that I can plug into either a Regular Savings account and/or a high interest current account and wanted to know the best thing to do. I've just got a matured First direct regular savings account thats just finished. So that's around £3.6k + I…
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Advice needed please!!
I am a Police Officer but leaving the Police Service at the end of this month on the Voluntary Exit Scheme. I will receive a pay out and after tax it will be just over £40,000. My problem is that I am not very good with figures and finances so I'm trying to work out what is best to do with the money. My wife and I will use…
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Which savings account to put savings into
I have one savings account (an instant access isa) for a number of years. This has £20K (this amount has been consolidated from a number of ISAs into one). The interest rate is 0.8% for a number of years, and I didn't move it (or 'transfer-in') into a new one. I usually put at least £500 a month (sometimes less or more…
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Re-balancing savings/investments
So, following an earlier posting on here I am going to re-balance our assets. Currently in our 60s we have two thirds in various savings accounts and cash ISAs and one third in S&S ISAs. We will move to 50:50 to start with. The one third in S&S ISAs is money we don't expect to need (except in a very dire emergency, such as…
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1.2m in cash ZERO risk
Hi, I have a friend who sold her house 3 months ago and is stilling on 1.2m in her current account! She renovates a single property at a time so needs about 200k in instant money for a deposit (no property on the horizon) with the rest in zero risk 1 month notice. What are her options (please let it be something other than…
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Opening HtB ISA
Hi everyone, I am about to make the plunge and open a Nationwide help to buy isa. Do I need to close my RBS cash ISA before I do this, or will Nationwide close the ISA, or can I just keep it open? I don't want to mess anything up haha.
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paying off 0% debt to reduce monthly outgoings or save?
Hi all, I've got a lump sum of money that i'm not sure what to do with. We have CC debt but it's all on long term 0% that we shift. Also have household items on 0%. We need to reduce our monthly outgoings as i'm taking a lower paid job to fit in our little one. I hate the thought of paying off debt that's 0% as that money…
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sipp vs ss isa
I keep seeing sipp on these fora. I read about them years ago. My memory has faded out though. What are they in laymen terms? I've a ss isa and wonder if these are better or worse than sipp? Should I get into sipp ship too? I gave a private pension too :* )
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Help to Buy - Transferring savings
My son has savings of £7,000 in a low interest savings account. Wants to use £1,200 to open a Help to Buy ISA and then transfer £200 monthly into the ISA. Where's best place to put his money in the meantime that will allow him to set up the £200 a month transfer?
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Savings + Investments in UK for Brit living overseas
Hi all, I'm new to this forum though I've been lurking for a while. I am living overseas but have some income in the UK from letting out my old flat. It's now mortgage free and I would liek to start investing the income I make from it. I want to build up some savings first and then gradually start to drip feed into some…
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Funds full list of holdings?
DM article on fund transparency : http://www.dailymail.co.uk/money/saving/article-3341785/Take-five-simple-steps-end-rip-fees-hidden-fund.html "UK funds are required only to reveal their entire list of investments once a year. ......" Why? "In the US, funds are required to publish their full list of holdings every three…
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Best help to buy isa please
Which is the best help to buy Isa please we want to get one set up this month but unsure of who to get it with. Dave
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Headache isn't it :)
Not for you knowledgeable folk, but for me it is anyway. So, I'll try and give some background and then hopefully gain some of you knowledge and advice. I've recently closed a company and have money to invest, with the proviso that I don't mind taking a risk with some of it, but would never want to leave myself or my…
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How can I get the best return?
Evening all! I am hoping that you may be able to help me with my conundrum?! To set the scene: •I am a 39 yr old self-employed consultant earning £400 p/d c.£85k p/a •I am married with 3 kids under 9yrs old •I have no debts •I have £10k in an ISA •I own my family home outright: value c.£360k •I own a 50% share in a 2 bed…
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Online Investing Communities
Hello Online broker aside, is there some good online investing communities you advise to subscribe to/follow for beginners? Kind Regards,
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Nationwide Flex Direct 5% for a pensioner
Hi, Hope someone can help. My grandad has £2,500 savings which is getting poor interest rates in his savings account. I am trying to find him a better rate. I am saving for a house deposit and have a system of current accounts to get higher returns. I wondered whether this could work for him. I thought perhaps he could get…
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Computershare letter for Unclaimed Shares
Just received a letter from this computershare company saying I have outstanding shares with a company I used to work for and that I need to contact them (cs) within 45 days to confirm my address. Thing is I had a stock plan with this former company and when I log I have precisely zero shares outstanding with my old…
