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Another HTB question
Hi, I have a Santander123 with ~£7000 in it and I/we save ~£1000/month I don't have an ISA. Would I be better off opening a Halifax HTB at 4% and keep my savings in the 123 or a combined HTB and Cash ISA with lower interest rate? If/when I hit the £20000 123 limit I can open another account or my wife (to be) could open a…
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Investment brokers +s and -s
I am in touch with one blue chip company. Experience elsewhere in family was pretty good, basically hand over lump sum, they invest having taken preferences eg no arms tobacco high low risk and you get regular reports they take about 1.6% a year. This fee seems quite steep to me. Any experiences?? One of my relatives built…
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HTB ISA do you need a good credit rating to apply?
Can anyone help? I've applied for a HTB ISA but got an email saying they are processing my application and will let me know if it's been approved. I know of three other people who applied to the same company and got accepted instantly and money transferred straight away to open the account. Do you have to have a good…
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Help to buy ISA - Can You Transfer £12,000 from the start?
Hi everyone, As my title explains I have the maximum amount the ISA can hold but I can see there are restrictions on the amount you can move into the account ie £1200 in the first month and £200 after that. My question is does anyone know if I can move the entire balance over to this ISA? I don't want to drag out not…
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8.5% bonds on 500thousand over 3 years?
Hi there. Was just wondering what people thought about this. I posted an idle question on a seemingly reputable site called the-investment-experts.co.uk regarding what an average risk return if I put 500 grand away for 3 years would be, and they came back with [FONT="]However, we do know of several bonds that offer…
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Directors
I frequently invest in the equity markets, predominantly on the London Stock Exchange. Through my line of work, I get to meet numerous CEOs and you get a real feel for how they run the business and the effects their leadership will have. This has led me to invest in several select companies and my results have beat the…
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Already have a couple bank accounts - where to put the other £3000
I have started a couple bank accounts and still have £3000 to move. It is currently sitting in a cash ISA with terrible interest so figured I should move it and get what I can. Here are the accounts I currently have open, all of which are maxed out: - M&S Regular Savings - First Direct Regular Savings - TSB Current acc I…
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Help to buy ISA question
Hi everyone, I want to sign up for a help to buy isa as I will hopefully be moving in Late 2017. However, I opened a instant access isa with RBS last year, and put in £2,000 this year. Does that mean that I wont be able to sign up for a HtB ISA? I'm guessing the balance of the instant access isa doesn't matter but it is…
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Should I close my second Santander 123 Account ?
I currently have two Santander 123 Accounts and a single person, you were allowed to open two at that time – one as my main account for cashback on monthly bills and the other used as an expense account for work to keep personal and work expenses separate, both paying for the monthly £2 fee. I am now reassessing finances…
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L&G Alpha and Property Shares
With no advice about 10 years ago I took out a 4k Shares Isa with L&G (Probably to get some quidco) I get statements every year and it is currently worth £5.6k I need some cash to put towards a property and this was something I was going to cash in (if I can?) Worth getting rid of, or holding on to? The following year I…
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Late Twenties Saving - From Red to Black
Hi Guys, First time on this particular forum (spent more time on the mortgages & house buying forums whilst going through the purchase of a flat). I guess I am hoping for a bit of guidance really. I'm 28 and thus far have worked pretty hard to get myself on the housing ladder (along with my fianc!e), get a decent job and…
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Help To Buy ISA
Hi board, My wife and I are currently living with her parents and saving for a deposit for a mortgage. As of now, between us, we have around £20,000 saved with the idea of starting the ball rolling in Feburary/March time. Would it be to our benefit to open a Help To Buy ISA? My main concern is that I have read elsewhere…
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Approx £20-30k inheritance. How best to save for 1 year?
Hello I plan to put the money towards a house move in 12 months time, and shouldn't need to touch it before then. Sadly, I'm not very clued up on saving. Can you help please? Many thanks.
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Direct debit for high interest current accounts
Hello people hope you are well. Have been reading martins tips about putting money in multiple high interest current accounts (tried posting link but newbies not allowed) Most of these however require you to pay two direct debits out to qualify for the high interest. Currently I only pay three direct debits and so would…
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Halifax switch bonus
Hi, While looking at Halifax's HTB, I noticed their £100 bonus for switching a current account to them (I'm looking at the Rewards Current Account). What surprised me is that I could see no mention of minimal funding of the account, no reimbursing the bonus if you close the account less than XX days after opening, no…
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Multiple santander123 accounts
I am considering opening a 123 account and investing the full £20,000. I can pay in the required £500/month. My question is, can I and my wife open one each and also a third joint one, each with the full £20k, split various direct debits so there are 2 in each account then set up standing orders to transfer £500 from one…
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HTB and Cash ISA possible!?
Hi. Since new htb launch I cant help feeling that I am penalised for saving already (e.g. Contributing each month to my old cash isa) as this would disqualify me from opening htb this month and wait until April 2016 causing me four months delay with saving for the ftb bonus. But saying that, I went to few banks at lunch…
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Being charged to exit company share plan
Hello My company launched a share incentive plan last year which I joined. The terms were that if I left the company within 3 years of the shares being allocated they would be removed from the plan and I would incur a tax and NI liability based on the value of the shares at the date of leaving the company. The literature…
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HTB ISA eligability if I'm a 'non resident alien in the US
Hi, I'm very interested in opening a help to buy ISA and qualify in all aspects to do so (1st time buyer etc etc). One problem is, I'm currently working in the USA for 2 years on a non immigrant visa (J1) and don't know if that makes me ineligible to open one. I am in the US temporarily (ie only 2-3 years) and will be…
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Am I doing the right thing?
Good Afternoon All, We have got £16000 to save, its currently sitting in my halifax account (only jst cleared) and as this pays 0 interest I need to move it. I don't usually have a lot in savings so I want to make sure I treat it right! I was thinking of opening a santander 123 account and put the £16k in that as well as…
