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ISA options before purchasing first home?
I'm really looking for some advice on current situation and savings options... Looking to buy our first home when our current tenancy comes to an end in early September - we currently have around £15K each saved in absolutely crap accounts that haven't been updated for years, so no doubt getting piddly amounts of interest.…
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First time investing help - directly with the fund, or via 3rd party?
Hi, I've decided to try investing some money. I've never done this before, and have been reading up. I've decided that I'd like to go with a passive tracker fund, and the Legal & General UK/International funds seem to be recommended in various places. So now I want to invest - I see that I can do it directly on the L&G…
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Junior ISA and junior reaches 18
My son had a junior ISA with Nationwide BS. He reached 18 in June 2017. A letter arrived May 2017 from Nationwide BS, informing "Your Smart Junior ISA will mature on your 18th Birthday". Information read- on your 18th birthday the account will automatically transfer to a Junior ISA maturity account, with interest rate at…
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When do you stop saving/investing?
At what point in your investment/saving cycle do you stop - okay one answer is when you die, but some time before that, when is it?
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Tax Residency Self Certification
I have received one of the above forms to fill in from one of my banks anyone had one of these before, it says it is to comply with new laws brought in. It also asks for a TIN number which from reading the attached letter appears to be SS number so I am assuming it is my NI Number which is used for tax purposes, anyone…
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Children's Savings Account with online access
Hi all, After some advice please... My child currently has a Halifax Young Saver Account (2% interest). I no longer have my current account with Halifax so am looking to move the Young Saver elsewhere - ideally somewhere where you can see and manage the account online alongside other accounts. I've seen the Barclays…
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Help to buy ISA bonus claim
Took out a help to buy ISA and paid in over a number of months. Later moved abroad for an 18 month assignment and stopped paying in as per the rules. Now buying a house in the UK with my girlfriend and find I can't claim to 25% government bonus as this year I am not currently a UK taxpayer as I am still paying taxes on…
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Bonds advice required.
I have two SIPPs fully invested (value £150k combined) and one Fund account with the same provider (value £150k) £85k of this is invested and the remainder is held in cash, what’s the best mix of bonds to hold assuming I don’t need to access this for two years. Not looking to beat inflation but hold onto most of its…
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Investors Chronicle Boxing Day Offer
There is an offer by Investors Chronicle to get Print+Digital for only £39.25/quarter, basically you get Digital with a free copy through the post, or to look at it the other way round free digital access with your printed copy. Expires at midnight tonight. Quite lucky for me as i just cancelled my print only sub! Now I'm…
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Portfolio and inflation
What features would a portfolio held by a UK resident have in order to be protected against inflation? In this case the inflation risk is assumed to be mostly UK specific? Any ideas?
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Funding for lending and effect on rates
The Funding for Lending Scheme is due to end on 31st January 2018, Does anyone expect this to result in an accelerated increase in savings rates?
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Investment for Dummies
Merry Christmas All! Been a lovely Christmas Day but that hasn't stopped me from working for a hopeful promotion in 2018 and to work hard to achieve wealth. One the pieces of advice I get told, hear and read all the time is invest. But the reality is I don't know where to begin, I am in my 20's, married and about to become…
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Is W-8BEN transferable between platforms?
I have completed a W-8BEN form on Hargreaves Landown's website ahead of buying a US$ ETF. Are there any complications if I transfer to another platform, most likely Interactive Investor?
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Can I transfer money from regular saver to current account?
I have a regular saving account of HSBC, however, I wish to move money from it to the current account, could I do it before the regular saver mature?
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Not allowed to open a new Flexclusive Regular Saver
My current Flexclusive Regular Saver has just matured. So I went to open a new one for another year but got the message "sorry you cannot open one as you need to have current account with Nationwide and fund it with £750 for three months. I have a Flexdirect account which has been open for a few years now. And put more…
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£30K Buy to Let Syndicate Investment
Howdy to all! Having been in the house rental market for 10 years it is beginning to be tiresome so looking now at mortgage options. It seems crazy that in a booming property market investors with upto £50k to invest in a secure scheme are left scratching their heads while there are thousands of hard working families and…
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2017 Highlights: Savings & Investments
What have been your highlights for 2017? Either comment or link to thread. I am returning to the forums after more than 6 months away, I was very ill. What have I missed?
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Santander 123 to 123 lite ?
I have the Santander 123 current account for which I pay the £5 per month account fee. If I choose to downgrade to the 123 lite account which only costs £1per month would I keep the same account number and sort code? I ask since I have various accounts linked to my current 123 account. Also what benefits would I lose by…
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Savings account for my daughter
Dear all For 18 years I have paid a monthly sum of money into an investment account for my daughter. She is now at University and I would like to close the account and give the money to her. The problem is that her mother is a named account holder. She has never contributed to the account in any way (I can prove this with…
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Has anyone heard of ISACO
Originally posted by gadgetmind back in 2012 , there were a lot of scathing comments made. However they seem to have done well. What do you think now?
