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fixed rate bonds question
Hi I was just searching around for a replacement storage account for when the santander 123 account rates drops and came across fixed rate bonds when searching for top interest rates, https://www. londoncapitalandfinance.co.uk/ This for example offers 6.5% interest on 2 yr fix and on their live chat have been assured they…
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Savings rates while living abroad
I have a substantial amount from rental income with Nationwide. Because I am currently overseas I cannot get a decent interest rate on my savings. It is now down to 0.50% . I see them offering 5% for a year fixed but tell me that is the best I can get as I am living in Ireland at the moment. Any advise, I don't mind moving…
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Best interest rates of Power of Attorney
Hi, does anyone know of how to get best rates for a power of attorney account? thinking of switching to Club Lloyds on behalf of Mum, but wary about the 2 x DD's needed as she doesn't have any utilities to pay as she is in a home....her capital is precious to pay care home fees, so don't want to erode it on unnecessary…
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What to do with £70,000
You are in your early 30's, you are single, you can't afford to buy a property as you live in the South East which is ridiculously expensive. You have saved £70k. Interest rates are going to return nothing very soon. What would you do with your savings? Buy. However you can - just buy. Buy to let. Invest in stocks and…
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A J Bell website not working
I can login but then I get the message: 'We are unable to process your request at this moment. Please try again or call us on 0345 373 3479 for more information' Considering their recent huge price hike, I was hoping for a better service than this. Anyone else experiencing problems?
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Help to Buy ISAs - Good idea in my situation?
Hi everyone, I've just read that the Chancellor plans to end the Help to Buy scheme by the end of this year in December 2016. Since I've entered the working life after university (2nd year as trainee accountant on minimum wage), I've always wondered if it was a good idea to get one but never have due to the circumstances…
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UK based foreign currency exchange transfer online companies ,,,as safe as bank?
Is it considered safe to use one of the UK based foreign currency exchange transfer online companies to transfer large sums of USD from a foreign bank into a GBP account in a UK bank . It seems much better rates are offered . But how secure is it ? I have never done anything like this before . Having checked out 2 or 3 of…
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HiFX sign up question
Not sure where to post this. Recently joined HiFX online currecy transfer..I called the number direct from the moneysupermarkets website . I was surprised how easy it was for me to join . I didnt have to send them any documents or anything other than answer a few questions .Address etc . Is this normal? I am about to…
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Halifax help to buy isa
I had a letter today from halifax to say my help to buy isa interest is going from 4% to 3.5% from December. If i was to put the maximum for this tax year in of £3,400 how much interest will i now make?
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What's the best option?
Hello,. After much, much, much reading about savings and investments, I find myself asking more and more questions. I'm looking to start saving as I want to buy a property. I'm going to open a Help to Buy ISA, I have enough for the maximum initial deposit. However £200 a months after that seems quite a small amount to be…
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Personal savings allowance - updated HMRC document
Looks as though its been updated a couple of days ago and might be useful for some: https://www.gov.uk/government/publications/personal-savings-allowance-factsheet/personal-savings-allowance
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£5,000 Dividend Allowance
Hello, Could anyone tell me if the new £5,000 tax free dividend allowance covers income from funds held outside an ISA. I have looked extensively but cannot find an authoritative source to confirm this.
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Vanguard passive trackers - whats the difference?
Hi all, Im fed up with trying to pick individual shares and just want to slim down to investing in one index tracking fund each month. I think Ive decided on: Vanguard LifeStrategy 100% Equity or Vanguard FTSE Developed World ex-UK Equity Ive read the documentation, but still not sure on what the difference is between…
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Global Index Funds & Currency Hedging
I am looking at investing some money into a low cost Global Index Fund. I would prefer to accept currency risk on the fund but all the examples that I have looked at hedge back to sterling. My understanding is that if the £ falls relative to other currencies this would mean that I didn't gain from that fall - and conversly…
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Cash heavy
Hey guys, Just after some advice. I have some cash and access to cash to invest and just unsure what the best plan of action is. Financial status: Me: 32 years old - £50k liquid - No debts/no property Mom: 60 years old - £60k liquid - No debts - Owns property outright worth £140/150k (rents out room for £250 a month) • I…
