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Atom Bank rate reduction today.
Flipping typical:mad: My I year fixed rate at 2% is due to mature on the 9th of March. I had received a couple of reminders about this and I did know about this anyway as I kept an eye on the rates and was going to transfer the amount into their 1yr fixed rate of 1.95% as noted on their website and on this site. I did ring…
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NSI Growth Bonds, how many can I open?
I have around £4,000 to invest in a 3 year savings bond. NSI has the following 3 year bonds: Investment Guaranteed Growth Bond 2.20% gross/AER Issue 1 Maximum £3,000 Per Issue, per person Investment Guaranteed Growth Bond 1.95% gross/AER Issue 57 Maximum £1 million Per Issue, per person In the brochure it states: Can I buy…
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16 years old with little money knowledge
Hi there, I'm 16, almost 17 and I'm currently earning around £504/month and £105 of this is my outgoings. Leaving £399 spare. I currently have a TSB under 18's account in which all my money goes into and I am awful with money. When simply seeing something, I will automatically want it and most likely buy it. I seem to go…
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Holmesdale BS to merge with Skipton BS
Letter received this morning. Another minnow to bite the dust. Voting in July's Holmsdale AGM .. merger expected in October 2018. No further details in the letter. Interested parties can phone 0800 0499 946 or emali merger@the holmesdale.co.uk https://www.theholmesdale.co.uk/proposed-merger/
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Managing My Savings & The Best Accounts
I’m 19 years old and currently working full time in my gap year before going to university in September. Working full time has given me the chance to save quite a lot of money, however I am still using the same NatWest bank account that I opened when I was 11 years old. Some of you may be screaming because this is probably…
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Oops! ISA Mistake
So just got my new ISA from Nationwide opened today and for the first time I can see the account in my online banking. I immediately transferred in £500, then a few hours later I realised that I have another ISA with a different provider which I have deposited into this year, so I immediately transferred my £500 back out…
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Platforms vs Platforms
I'll be opening my investment platform account in the coming days and was wondering which platform had better customer support and hand holding. I was thinking of going either AJ Bell or HL. I'm not too worried about the platform fees to initially as I'm just starting out and will make the necessary changes later (I…
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Property or Finacial Assets
I'm sure we all know this and of course you should be invested in a balanced diversified portfolio of bonds, gilts, equities, cash and property to suit your risk profile. But to answer an age old question - property or financial assets? Most people today would say property - buy to let is (was) popular amongst most people…
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Investing during Brexit
Hello Looking for people's opinions on the following: The UK economy looks uncertain with Brexit, and London property prices drooping. I am currently planning and forming two stocks/bonds portfolios. One will be for income (58% UK shares/bonds) and the will be for growth (20% UK shares/bonds). Both portfolios will be…
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Child savings account for non resident infant
Has anyone found a UK bank that offers child savings account for non resident infant. I am from UK, now live in US. My baby was born in US to American father but we are applying for UK passport with British embassy. So he will have UK citizenship. He was given British pounds by family as a gift (I dont want to convert…
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Missed skipton lifetime ISA deadline. Any advice?
Hi, I’ve been really stupid and missed the deadline for transferring my Help to Buy isa to lifetime isa. Any helpful advice? Or do I just need to wait until next year and put an earlier reminder in my diary?
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'Phoenix firm' burnt through my savings
Another week goes by and yet another news story about bad Financial Advisors as reported in The Sunday Times 4 Mar 2018 (@ST_Money) The article reports: Terence Brimble of Chippenham, Wilts received fees in excess of £100,000 over five years from Jackie Naghten and Louise Brassey who were his clients. His recommended…
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Care Home fees Means Test, how far do LA’s go back
Hi, I’m new to the forum. My Mother is likely to have to go into a care home in the short term, at least. Despite trawling the Internet, I’m yet to find anything that might tell me how far back LA’s go when they seek financial information. My mum has gifted my kids and I money in the past for various things (have receipts…
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Equiniti help
My dad passed away last year and I finally decided to deal with the small number of shares he had. Completed all the forms and sent them off with the original share certificate and the death certificate as requested. The death certificate was returned about a week later. Today I have received all the forms back saying I…
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Friend has £70k to invest - Advice please.
[FONT="]Hi[/FONT] [FONT="] [/FONT] [FONT="]I'm looking for a little bit of advice please.[/FONT] [FONT="] [/FONT] [FONT="]A friend has around £70k to invest from a recent property sale.[/FONT] [FONT="] [/FONT] [FONT="]She is widowed at over 70 years of age with 2 adult daughters and 3…
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Best child savings accounts for reg saving
Hello, I'm looking put 100% of my 1yr sons child benefit into a savings account for when he turns 18. Can anyone recommend any savings accounts for very young children over a long period of time? Or perhaps someone has a better idea on how to do it. Thank you :)
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Search for a Fund Based on a Holding
Hello, Does anyone know if there is a way to search for funds that have a specific holding? For instance, if I search for PayPal Holdings, the result set should produce Fundsmith. etc. I am with HL and they do not seem to have a search feature / tool that can do that. Is there a standalone independent tool that can achieve…
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PRIIP problems - Alternative to X-O?
I am getting fed up with the issue on X-O (where we hold our ISAs) with not being able to trade ITs and ETFs instantly due to PRIIP regulations meaning that we have to call them to confirm we have read the KID (even though its only buying more of the same ITs that we already hold!). They don't have any 'tick-box' on the…
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London Capital
Whats peoples thoughts on this, not linked to markets & 'guaranteed' 8% they say the capital is secured as follows: As an investor you would have a charge over the assets by way of a legal vehicle known as a debenture. This means that all investors will have a charge over the secured assets which include the cash reserves…
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Age 17 best savings accounts
I am aged 17 and have recently become a parent. I stay with my parents right now and I am trying to save for a house! I have quite a bit in my savings right now and have also opened a help to buy isa. I am maxing the isa out every month and still have a chunk to save in my other saving account with TSB. The interest rate…