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HSBC investment advice
Hi Folks, has anyone else had a letter from HSBC admitting that they have given inappropriate investment advice but concluding that by their calcualtions I, the customer has not lost money and there is no mention of compensation? I have and I have to say I am more than a little perplexed by it:beer:.
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H2B ISA and Moving Abroad
Afternoon all, Quick question regarding a family member who wants to open a H2B isa: In a few months they are going travelling abroad for two years, meaning they will be unable to contribute to new money to an isa. However, if they were to open a Nationwide H2B isa, and a normal Nationwide isa with a lump sum - presumably…
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Shell / BG deal
Just cleared the last regulatory hurdle, but BG shares trading 11% below the offer price, presumably reflecting the greater amount BG shares are expected to crash if Shell shareholders reject the deal. But since many Shell shareholders are funds with BG shares, so they don't mind Shell overpaying for BG, Is buying BG…
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Base Rate Tracker Savings Bonds
I've been looking at a 3 year savings bond at National Counties Building Society which tracks the Bank of England bank rate plus 2.10% so is currently paying 2.6%. Also more or less the same bond at United Trust Bank. Are there any drawbacks to be aware of with these and also does anyone know of any similar ones (2 to 3…
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Lump Sum Saving & Regular Monthly Saving
Good Morning All, This is my second post on the forum in a matter of minutes (first being bank account related) but i'm turning my attention to savings now! I'd like to get peoples opinions on how best to utilise surplus cash to generate the highest return on investment. Current Savings Situation* Just over £20000…
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Current (Savings Accounts) - How long between applications?
Hi I'm looking to move some money from my ISA (1.6%), How long should I wait between opening multiple bank accounts? I have open Llyods a week later a Tesco but that has been refferred with no instant decision. I have a good credit rating and good history with both banks (Llyods BTL Mortgage) and Tesco credit card paid…
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Best Invest Portfolio
Hi All, Having little financial knowledge, but recognising the need to invest, I hold a ready made portfolio designed for 'growth'. Best Invest offer a range of ready made multi asset portfolios which the customer selects, based broadly on risk/return. I plan to keep funds in there for a minimum of another 5 years. Is it…
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Help to Buy ISA: What do i do with excess savings?
Hello, I am looking to get a Help to Buy ISA. However as I have more money in savings, I will have quite a bit left over when I deposit the initial £1200. I am a PhD student and have a Postgraduate Current Account with Santander, which only pays 2% interest on balances up to £2000. Does anybody have any ideas on how I…
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making the most from my money
Posted a few times about my progress and had some good help pointing me in the right directions before so hoping the same happens im mid 30s running my own company and have managed to do well from nothing. bought my dream house outright worth about £425k, with £80k left on a £132k mortgage with the house worth around…
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Cashing in Flexible investment plan
I have a flexible investment plan which I need to cash in during the next month. The value has fluctuated a lot during the last year. With the news about the increase in the inflation rate today I am wondering how that will affect the amount in the investment if it is cashed in soon.
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How many current accounts have you opened within a short period of time?
I recently asked the following question: https://forums.moneysavingexpert.com/discussion/5377147 I have opened three new current accounts within the last month (two involved switching). I want to open one more. The last time I opened a new account was in 2013. I have a few questions: 1) What is the maximum number of…
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Aldermore bank
Looking at saving in a fixed rate bond with Aldermore bank, just wanted to get people's experience with them and is your money protected by the government £85,000 scheme
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Help to Buy ISA
Hi I currently have a easy access cash isa with the Halifax that i pay into regularly. I'm also wanting a help to buy isa but, Halifax don't currently offer the split isa option. Can I have the cash isa with Halifax and a help to buy isa with another provider? Or do I have to move my current isa to a provider who allows…
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Scottish friendly Junior ISA
Hi, We are thinking of starting Scottish friendly My Family Select Junior ISA for our baby girl. This ISA gives you a gift of £50 when you start it up and gives you some choice in what you want your ISA to invest in. Has anybody else used this ISA or have any opinions about whether it's a good deal or should I look…
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Sanity check on savings plan
Hello, As I say, I'm looking to run my savings plan by the forum. I'm relatively new to this so there's a good chance I'm overlooking something. If you can point out any flaws – or a better course of action – I'm all ears and I'd appreciate feedback. To give you a little background, I'm saving for a deposit on my first…
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Centrica... possible takeover target?
With the share price being on a downward spiral for over two years while the rest of the market has been quite bullish, last few months excluded; does anyone else believe like me that one of the American giants might swoop if the price hits 180-190 region? British pharmaceutical company Allergan was recently absorbed by…
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Investing in wine.
Anyone done it? In getting cold called by a company trying to sell me some 'investment grade, premium wine' I am not particularly considering this, but wondered if anyone here had and whether this whole industry is legitimate or not. Did a search but was suprised to find no threads.
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Leeds BS - how to pay in cheques
Hi MSE-ers, sorry for the daft question... I've recently opened a regular saver with Leeds Building Society. I want to pay in my next month's deposit (via post) - do I have to send the passbook in with the cheque and paying-in slip? I haven't had a passbook for about 15 years! I've looked on the Leeds BS website but I…
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Savings Account Advice
I have recently come into some money and have started a HTB ISA. As we can't just put the full allowance into the ISA initially, I am looking for a savings account that we can use to "drip-feed" the ISA. Ideally, the account should be accessible online (not bothered about face to face aspect) and be able to set up standing…
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Best way to use a £25000 windfall...?
After a long wait, my wife and I are about to inherit around £32,000 before or just after New Year (within 2 - 3 weeks) We will use around £7,000 to clear debt - Credit Cards, loan, etc and then we will be left with around £25,000. We have nothing at all at the moment. We have just taken on a 2 year rental agreement that…
