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FirstSave - any experiences
Looking at the savings table, and Firstsave seems to be at the top - 1.15% for a 2 year fixed bond. Not great, but nothing much better out there. I see they are part of the Bank of Nigeria. But are covered by the full FSCS. Any experience with them?
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Where are you transferring your NS&I savings?
I have the proceeds from the sale of my house a few months ago earning 1.16% with NS&I until next week of course. Looks like my next best option is to open accounts with West Brom and Saga and put £85k in each. What's everyone else doing? (Looking for 'safe' savings rather than investments and prefer easy access)
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Children’s saving accounts
Hi,my wife and I are looking to set up a savings account for our 7 week old daughter. we have seen a few banks that offer introductory rates at a good AER then after 12 months they put you onto a usual kids saver account and the rate drops to a % depending on the company. our main question is could you reap the benefits…
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Old accounts systematically being 'lost' by banks? (dormant passbook accounts)
Has anybody else know of this happening? Some years after my mother's death we discovered a passbook and statements for an account with many £thousands. To cut a long story short the the Financial Ombudsman agreed that as the bank had no evidence of the account being opened it must have been closed - this despite my mother…
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Importing share prices
I want to import current share prices from the FTSE 250 into a spreadsheet. I am pretty sure that you cannot import it into excel but can do it into google sheets. Is that right? So I want to set up a spreadsheet with all of the shares in that index. I would like to look at the high and low over a given period, eg over the…
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What does the FSCS £85k compensation cover for Sharedealing ISAs?
Hi, I have a question (well, questions 😉) about how the FSCS
£85k cover works with sharedealing accounts. So I have a sharedealing account
with a UK bank and have Stocks and Shares ISAs for the following 1) Shares 2)
OEIC Funds 3) Investment Trust Shares. So in the first place if the UK bank I
have a sharedealing account…
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£250,000 Save/Invest
Hi AllLooking for some free advice from all you experts out there.What is the best way to achieve max income on £250,000 savings in order to supplement pension. Risk averse. Debt free standard rate tax payer on State and small private pension.
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The West Brom building society instant access account
I'm about to withdraw my savings from NS&I and already having instant access accounts with Marcus, Ford, Saga and Virgin but was wondering if it's worth opening one with West Brom as their rates look favourable for new accounts. Has anyone had any problems with with building society? Thanks…
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How to invest 45k - opening a new S&S ISA and transfer cash ISAs
I'd like to open a S&S ISA for this year and put the full amount in. I also have over the past few years money from a few cash ISA's. I was wondering what would be the best way if I wanted to transfer some or all of those cash ISA funds into an S&S ISA or any recommendations of which platforms to do this on. Am I able to…
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Savings Setup Needs Refreshed
Hi All, I have came into a small pot of money - £11k to be precise and I wanted to know what the best course of action is? I may need this £11k for a house deposit in the middle of next year but between then and now have I many options? Also below is my current setup which may need refreshed as some accounts are expiring.…
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Nutmeg and JP Morgan agreement
Hi all, just wondering what folk think about their new partnership and more specifically the “smart alpha” product?
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Would you sell Lindsell Train Japanese?
Mark Atherton's column in The Times last Saturday was titled "Don’t be afraid to show poor funds the red card" and opened "How long should you give a poor-performing fund manager before you get out a red card and banish them from your portfolio? Some experts would wait as long as five years before pulling the trigger,…
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Comparing regular saver vs instant access like Marcus
When you have cash already to save one option reccomended is to open a regular saver and move the maximum in each month. How do you work out the effective interest rates to see how they stack up against instant access e.g £500 pcm for 12 months at 1.55% gives £6050.61 £6000 in instant access for 12 months at 0.84% gives…
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A question re balancing.....
Good evening, first of all let me please admit to being a total novice in relation to investing. The investments that I have made have been very ad hoc and either been by lump sum or regular investing, most of my decisions were based on reading the HL Wealth list. More recently I have been reading about multi asset funds…
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iWEB doesnt hold this HSBC
Disappointed. Just checking everything before applying for my iweb account , and the very fund I was going to use as my main one , they dont seem to have .Didnt even bother checking earlier as I could have sworn Ive seen loads of other people on the forums that use iweb mentioning they have this -- HSBC Global Strategy…
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How do I invest in Blockchain (NOT cryptocurrency)?
Blockchain (aka Genesis Technology by some people) encompasses cryptocurrency but much more than that. I'd like to know how to buy stock in blockchain technology? As in which platforms I could use? Not looking for recommendations of what to buy, more which legitimate trading platforms are out there for UK speculators? To…
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HSBC, no more card access on my account
I have a HSBC flexible saver account which I withdraw money from. Today I went to make a withdrawal and the cash machine swallowed my card, I have been using this account for over 10 years with my debit card with no issues. I ended up having to drive all the way down to the town centre, only to be told that account no…
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Wellesley and London Capital Finance
Does anyone have any updates on Wellesley or London Capital Finance..........I received an email (from LCF) offering me counselling regarding my loss ............I would be interested to know where you got your info from regarding investing. I think mine came from this site.
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Dividend Allowance on Tax Return
I'm filling in my first tax return and have submitted £1146 of dividends. I believe there is no tax to pay on this as it is within the £2000 allowance. However my calculation at the end adds this total to my income and charges me 40% on it. Am I doing something obviously wrong?
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Is HSBC about to slash its regular saver to 1%? Fears sparked after customers sent wrong emails
HSBC has raised fresh fears that it could be about to slash the interest rate on its regular savings account after accidentally sending emails to customers showing a reduced rate of just 1%, MoneySavingExpert.com can reveal... Read the full story: 'Is HSBC about to slash its regular saver to 1%? Fears sparked after…
