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Saving for 1st house.
Hello all! I'm currently saving like crazy to buy my 1st home. I basically want to know what account are going to give me best returns. I've ended up with so many accounts I use yolt so I can see as much as possible in one place but here goes I currently have a Halifax help to buy isa that's due to transfer to skipton Lisa…
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Holding savings for someone
Hi, I recently received a large lump sum. I wish to give it to an elderly relative for safekeeping so that I will not be tempted to waste it. What is the best way to do this? Am I able to do this without transferring ownership of the monies? Thank you in advance.
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Online Premium Bond account
I recently opened up an online NS&I account and brought £1000 worth of premium bonds. I have a few ancient bonds going back to 1958, can I add these to my online account and keep them all in one place. I do have two different holders numbers. The new online one and a paper one which I was issued with from NS&I in the early…
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Income on individual bonds
I have asked a lot about bond funds in the past but want to check I understand how individual bonds work. [FONT="]Take Prudential 6 7/8% 2023 (LSE: BC41) as an example. Its price shows as buy £122.00, sell £126.10. Perhaps that wide spread in an out of hours situation which will narrow when the market opens?[/FONT]…
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Using ISA allowance in current climate?
I've just opened my ISA and would like to use my allowance by April. The current conditions might mean it's a good time to buy, or it could get worse who knows? My question is if you were in my position how would you approach it so far as dropping in £20k tomorrow v £5k tomorrow and £5k the week/fortnight/month after? The…
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Tesco online Saver
When exactly is Tesco going to remove the ability to pull via DD? Thank you.
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s&s isa newbie
Some obvious questions coming up... I just opened up a LISA with AJBell. I'm 37 and figured best get my skates on if I want another one next year too. I only put the £25 minimum in it as a placeholder for now. I am a tad confused and should wait to read all the documentation, but basically if I buy £25 of passive funds,…
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Virgin Bank - Terrible Service
Anyone else had problems ? I opened a Defined Acess E-Saver two years ago, and despite interest rates increasing generally this has just been reduced to a paltry 0.5% ! This is a real pain because I have a large amount of money in the account that is my mothers - I manage as power of attorney. I visited the bank but most…
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Help to buy isa number ?
Hi, I have closed down my help to buy isa and gave my closing statement to my lawyer she has gave me a form to fill out and it’s asking for my help to buy isa number. Does anyone know what this number is by any chance? Thanks
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What would you do with 50k?
Mortgage is paid off, no credit cards, no debts. If you had 50 k savings, what would you do with it with plans to save and invest not necessarily spend it?
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Reg. Savers 5%
Well I'm grumpy. :o These regular savers seam to be diminishing either in rate or how much you can put in them. Another one in finishing soon and the replacement is only 2.xx% I have a santander and nationwide already. I may as well stick the money in a 1.4% account. I'm pondering HSBC £250 and M&S £250 (earn £81) But…
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Fund Purchase
Hoping someone can help with query on fund purchase - I'm thinking to place order for HSBC Global Strategy Balanced fund next week and unsure how the purchase will be processed. If I place an order first thing Monday prior to the cut off time will the order be processed Monday or will it be Tuesday? Thanks in advance
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Business banking
Looking to switch to another business banking account. Any recommendations please
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Calculating unused SIPP allowance
Hey, I have used this link to calculate my unused SIPP allowance, but there are 2 outstanding questions. http://www.hl.co.uk/pensions/interactive-calculators/carry-forward-annual-allowance-calculator 1. Since when and for what tax year is the £10,000 cap in place? 2. Does gross pension equal the amount that one can…
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Unused stock ISA allowance
Hey, is there anything similar to the unused allowance for a SIPP for a stock ISA as well? Thanks
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Halifax Kids Saver questions
Thinking of openning Halifax Kids saver account but need some advice. 1.This I guess is the most important question.How does the ownerhip of the account works? I understand that the account is open in a child's name but can I take the money and transfer it to my account at any time? What happens to it after maturity?…
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NS&I. How long to invest
I have a good lump sum to invest after selling an inheritanced house. I am looking at NS&I guaranteed income bonds. In view of predicted rate rises do I go for 3 years at 2.15% or a year at 1.45%. We don’t need to access the money.
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Savings account to pay regular bills
I know interest rates are low, but what's the best savings account to pay money into monthly by standing order for annual bills such as car tax, insurance etc and unexpected bills such as a problem with the boiler, so that I can draw on it when I need to without penalties. Thanks
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Using my ISA savings now and not later
I'm very fortunate. 70 fit and should live 7 years more. 40% tax payer. My pension easily covers my outgoings and I can refill my ISA with the annual maximum. My wife has her own savings and will not need it if I die first. My last surviving parent died with a large ISA amount and then paid inheritence tax on it. I want to…
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Funds subject to exchange rate
I have been looking into various Funds, about 10 that will between them give me global diversity. Do you think this is a good idea as I'm a newbie? Also I know that shares are subject to exchange rates but are Funds in which case it would be wise to invest in UK shares? Thank you very much
