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Help savings advice
Hi I am about to receive £130k for the sale of a property. I have had an offer accepted on another property just, so I will not have that amount of cash for long - literally until property sale goes through. How should I store it....obviously I do not just want it sat in my current account!! Thanks in advance
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Instant Access v Easy Access
Hi Just a commet really. Have only just realised the difference between easy access and instant access. Had an account with RCI Bank easy access but when I took the money out it took several days to come through as they seem not to be part of Faster Payments. Now have Tesco account which operate faster payments so money is…
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Emerging Market Funds
In the last tax year I utilised my capital gains allowance, to sell shares I had held in Templeton Emerging Markets IT since 1997. I'm intending to replace this in my ISA for 2017/8, but am unsure whether to opt for a tracker (Balackrock), or an another active emerging markets fund. Any thoughts would be appreciated. For…
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Can I use my capital gain allowance if I use social trading like eToro?
Hello! I was thinking about using £2000 or £3000 in social trading, for example eToro. Just for fun or as experiment. It is not possible to use that inside a S&S ISA, so I guess if there are profits, that's capital gains and taxes should be paid. I know there is a Capital Gains Tax allowance, which is by far more than the…
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What to do with savings
Hello Everyone, New to this so you may have to bare with me! So currently 25 on 30k per year, Pretty good pension of around 18% including employers contributions I plan on making some voluntary contributions as I move up the pay scale, I am currently able to save around £1200 p/month but this is just getting dumped in a…
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The best savings rate for granddaughter?
My granddaughter is 20 and joining the RAF in 12 months. She is renting a flat,has no debts and £2500 in savings which she may need access to. We have looked at the best savings accounts and most require a monthly deposit of at least £500 per month.She can only afford £300 per month after she has paid her bills. A regular…
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Tax on Jersey based investments.
I am thinking of investing in some shares in a company that is domiciled in Jersey. Obviously I will be liable for the UK dividend tax if I exceed the allowance but will I have to pay any tax levied in Jersey? Any thoughts please?
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Investment watchlist, thoughts?
I'm beginning my venture into the world of investments for long term gains (hopefully). Markets might be toppy at the moment, so intention is to add money slowly over the course of this year (all within ISA wrapper). I'm looking at these index funds and bonds so far; appreciate that some will overlap. Thoughts appreciated…
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Shares in Shell prosearch
I received a letter from prosearch regarding shares in Shell my dad held whilst he was still alive. He married a woman before he died, she has since married another man. What do I do? Contact the woman?
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Looking at Help to Buy ISA's
Hi My fixed term ISA is coming to an end soon. I'm not sure which HTB would be best as I want to start saving for a house. Also I don't understand how you can have a cash ISA and HTB ISA in the same tax year. Thanks
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P2P Lending through Kuflink
Has anyone tried P2P lending through Kuflink (invest.kuflink.co.uk)? Would like to know your thoughts. Based locally in Kent and have a large presence in the town centre.
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Halifax automatic dividend reinvestment
Hi all, i just recently opened a stocks and shares ISA with Halifax. I have not added any funds as of yet. I am looking to transfer a lump sump into a VLS60 accumulation fund for a minimum investment of 10 years. I don't plan on doing much trading after the transfer has been made. And i am just after some information on…
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Transferring a DB pension...?
question moved to pensions..
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Best place to save lump sum?
I have £11,000 which is my emergency fund. Currently it's in a Nationwide account at 0.10% interest so I want to put it somewhere where it will get more interest. I've been reading the savings section of the website but I am pretty confused. I don't want to save it in a current account, where I will have to have direct…
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H2B & lifetime ISA
Hello all, Sorry it this has already be asked by another. I have a H2b isa which has been open a year, theres over £4K in there. I have also opened a lifetime isa with Nutmeg to get the clock ticking on that (plan to transfer to another). So my question is shall I continue to pay into the h2b? The max property value I…
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Issues with HL Bed and ISA?
Hi, I ordered online a "bed and ISA" for my share account on HL. This was done on the 11th but nothing seems to have happened yet. Does it just take time or is there a glitch with HL? Many thanks
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Portfolio Review
Hi Guys, I know there have been a lot of posts asking for reviews of portfolios so hope you don't mind another. Background: 25 yr old male, Salary £36.5k, trying to save for retirement AND deposit. I have a good work place pension (total contributions are around 18% of salary). I have been investing for around 3 years…
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Switch Process - Direct Debit failed
I recently switched my current account to another provider. The process involved switching four direct debits and the switch process ended on 29/02/17. Three of the direct debit switches were successful and one of the direct debit switches failed. The switch that failed was to my broadband provider. My broadband provider…
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Trying to understand basic mechanics..
Hello..I'm totally new to this, so hoping for a little guidance on the basic mechanics of maximising incentives with current accounts etc. I'm looking at the Nationwide Flexdirect, which pays "5% AER (4.89% gross p.a.) in-credit interest on balances up to £2,500 (fixed for the first 12 months)." "You must pay in at least…
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Help to buy ISA - Confused!
Hi All, i have managed to confuse myself with setting up a help to buy ISA with Barclays online. I have a cash ISA with Barclays with approx £6k in it. I have not paid into this cash ISA this tax year (2017). I just setup the help to buy ISA yesterday and transferred £1000 from my cash ISA into this ISA. I have cancelled…
