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Current ac for married couples
Hi all, I hold current accounts with Santander, Lloyds, TSB, Tesco and the Post Office. Some of these accounts will be closed as I look to streamline the no. of accounts I own since many are now paying hardly any interest. The Santander will stay as my 'main' central ac. I am also looking to open a new joint account with…
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Tesco fixed rate saver maturity ?
I had a 2 year fixed rate saver with Tesco mature on Saturday,the interest was paid in on that day into my nominated acc,I had given instructions for the lump sum to also be paid into the nominated account but it still has not reached it,is it normal for the interest to be sent separately and for there to be a time…
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Iweb fees
I currently have £15, 000 in vanguard 80 life strategy accumulation. In fees i am roughly paying £4.50 quarterly fees but also 0.41 in account fund management fees. I'm thinking about transferring to iweb. i only deposit one amount a year. Would i pay fund management fees if i transferred to iweb? I know i have to pay £25…
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Savings / Pension advice
Hi all, looking for some suggestions on how to manage my money. Early 30's.... Bit of a run down, I've recently started my own business which earns me about £6000 a month in salary and dividends from the business. I pay myself a very low salary and recoup the rest in Dividends. I have about £400 in an old work place…
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Taking income from Onshore Bond or Unit trust
Hi, I have a unit trust that produces dividend income, this is currently being reinvested. I also have a onshore investment bond. I need to start drawing income but I am not sure where best to take this from? I am aware that I can take 5% tax deferred income from my bond and this will provide regular, fixed withdrawals. I…
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What did you do with your Tax Rebate?
Heya, I got a letter today, informing that I'll be getting a tax refund of nearly £600. Unexpected, but happy. I'm thinking of just investing it all when it shows up in my account, as I don't really want to spend it, and rather put it away somewhere. Those who have had tax refunds, what did you do with yours? Do you wish…
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Selling US Share Cert
Hello, I have a U.S paper share certificate for Verzion Communications. I’m looking for a broker or someone in the UK who can sell these for me, I’ve tried all the big ones like HL, ii and even certain banks to no joy. Anyone got any ideas?
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Nationwide travel insurance
I'll be downgrading my flexplus account in the next few weeks when the interest payment stops on the credit balance. I therefore wondered whether I would be eligible for European free travel insurance given the account was a legacy flex account, I have contacted nationwide but wondered what others opinions or experiences…
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Nationwide Flexdirect interest query
Nationwide Flexdirect offer 5% interest up to £2500 on condition that £1000 per month is paid in. I'm wondering if you keep £2500 in the account and set up a standing order whereby £1000 is transfered out to another account every month and then transfered back in the day after, would you qualify for the 5% interest?
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Some investment advice please
Hi, I have been doing some research as to where to invest some money but am totally confused as to what type of investment and where to invest but would really appreciate some advice based on my specific circumstances as follows. I am 49 and mortgage free. Not really looking to retire much before state retirement age of…
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Adviser fees
When my wife passed away I was tasked with managing my step-daughters' money. I was recommended an advisor who the money has been with. I want to add money to their accounts and the one-off fee for this (as it's under £150k) is 3%. So for £20k that's £600. Is this sort of fee typical? Furthermore, if we want to retain our…
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YouInvest Website - Down???
[STRIKE]Hi Anyone else having problems accessing the YouInvest website? When I access it via browser I get: 403 ERROR The request could not be satisfied. Request blocked. Generated by cloudfront (CloudFront) Request ID: Zl0jNcUrvqRvwQPeyvwbB8yBHWOP10dFU5WHHsWy6zbW80L0j_stdg== I am able to access it via my phone again using…
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Buying a unit trust
Wanting a bit of emerging markets exposure, the iShares emerging markets fund fits the bill nicely. This is a unit trust though and my usual broker (x-o) doesn't offer these. What's the cheapest platform that I could buy this for a long-term hold?
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Notice Savings Accounts
Does anyone know if banks offering notice accounts allow you to build a 'ladder of notice periods?' For instance, with a 120 day notice account (ie 4 months) would you be able to give a monthly notice so that you'll always have a month in which to make a withdrawal? Or do you have to wait for the 4 months to expire before…
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Just retired advice
Just retired at 68 and my pension is fine. I have a tracker savings stock ISA at £52,000 that I've been saving since 1999 - it's done well. I don't need it yet as I've a got a decent lump sum in ISA savings and got no debts. But worried the Stock Market might crash soon with Brexit and or a correction is probably overdue.…
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John Wheatland Forex Investment Fund scam
If you are one of the many UK investors who invested in the Flip Flop Forex investment fund, you may be wondering what has happened to John Wheatland and, more importantly, what has happened to your money. Unfortunately, it’s not good news. Contact with John Wheatland ceased at the end of July 2019 and the only…
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ATS First Steps a/c after II take over
Has anyone found out what happens to Alliance Trust Savings First Steps IDA accounts once Interactive Investor takes over in October? Specifically, is there still a lower fee? And is it still possible to hold the account in Bare Trust (so it is taxable in the hands of the child, not the parent acting as trustee)?
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HSBC Global Strategy Dynamic via AJBell
Hello I am looking for the HSBC Global Strategy Portfolio Accumulation with a 80% equity split similar to VLS80. On the HSBC website they show HSBC Global Strategy Dynamic as having a 80% equities mix. However when I find the fund through AJ Bell who I would be purchasing through it shows the stocks allocation as 87.3% and…
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Al Rayan Bank 1.6% account
Seen this promoted in 'MoneyWise' mailers, anyone had any experience, got any views on how good/safe it is Surprised it hasn't been highlighted in the MSE savings page
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Company Share Save Scheme, withdraw and reinvest?
Each year my company offers a share save scheme for 3 or 5 years, with an option price around 20% lower than current market price. I have a 2018 5 year scheme, which I contribute £25 per month into, the option price in 2018 was £3.84 per share. Meaning over 5 years, I will have saved £1,500. In 5 years, I can then buy…
