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Savings App - unlinked everything in one place
Hi, as a keen saver, I, like many of yourselves I'm sure, make use of different accounts to increase access to interest rates. I have an ISA, a couple of the nationwide flex direct current accounts for the 5% interest and the regular saver linked to that. My question is... As I have little bits of savings dotted about, is…
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Nationwide Account Help
Hi Everybody! I hope you do not mind me posting but I could do with some help please as I have recently been accepted for a mortgage and I was wondering what should I do because I have read a thread on here somewhere saying do not use a Save to Buy FTB Issue 3 but I have that (Which holds the most of my deposit) and then…
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The "just in case" fund?
Hello. We are in the process of buying a house and I was wanting to gauge opinion as to how much we should put in a "just in case" fund. I know it is all relative to what you can afford, but I am wanting to put aside a small amount as an emergency fund. I was thinking may be £100 per month? But that doesn't seem much?
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One more IT for this years ISA...
I've about £2.5k left in this years ISA allowance which currently looks like: Fundsmith 25% Lindsell Train Global Equity 25% RIT Capital 25% Shin Nippon 12.5% There's plenty of cash in reserves and I'll be maxing out each year for plenty of years to come with plenty of opportunity to rebalance/adjust if required. Where…
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Charles Stanley or HSBC GIC
Hi, I will drip-feed 1000 a month in an investement fund (HSBC Global Balanced Acc) within a ISA wrapper for the foresable future. After reading and researching I have narrowed down the broker choice to Charles Stanley (0.25% platform fee) or HSBC Gloobal Investement Centre (0.39%).I am not too bothered by the 0.14%…
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Santander 123 account
My 5% regular saver ends this month and as I only just about break even each month with the 123 account after the fee I'd like to close it as I'll have run out of direct debits for it when Tesco withdraw that facility. However if I just leave it empty and dormant (on the off-chance a future switch offer comes along) would…
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ISA for ageing parent is it worth it?
Ever since inheriting shares my aging mother has done nothing with them. I discovered that she has stock valued around £250,000. I know her money will go to my niece and nephew, so this isn't about any personal greed. It occurred to me that as long as her investments never rise over the death duty threshold of £325,000 she…
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Santander 3% E-Saver
Hello everyone hope you're enjoying your weekend, I have a quick question... I currently put the maximum £200 a month into Santander 3% e saver and have been for 3 months only. I also have a Flex direct that I contribute to. I was wondering if I could close the Santander and just contribute more to my nationwide flex and…
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Tesco DDs last date taken
When will the last Tesco Savings account direct debit be taken if the due date is 23rd April? Will that one be taken or cancelled?
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Lifetime ISA scenario queries
Hi All My partner currently owns 80% of a property, with the remaining 20% owned by the builders. I have never owned a property and am therefore considering opening a lifetime ISA. I just want to clarify whether I would be able to use the savings bonus from the ISA in either of the following 2 scenarios... 1. We jointly…
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Investment
Hi I have a buy to let property and getting good rent. But due to my age. Find it hard to manage so would like to sell but not sure where to invest as I am looking for hassle free investment with good return! Please let me know if you have any ideas. Thanks
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6k+ Help to buy ISA transfer to LISA
Urgently need some clarity on the below. Opened a HTB ISA feb 2016, currently has 6K+ in it. I also have a LISA with 4k in. Have only just become aware of the transfer opportunity and have heard conflicting information. (Deadlines with Skipton) Would I be better off transferring the entire balance (6k+) of my HTB ISA to my…
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NationWide Reg Saver T&C change
I received a letter saying that when my 5% regular saver matures, the T&C on the account it matures into will change. (from May) The letter doesn't give the changes. Anyone dug into it? and can tell us the change please? Thanks
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Closed H2B Isa & Not using Lisa, advice please
Hi After guidance here previously I transferred my H2B isa into a LISA (December 2017) thinking I would be buying in 18months or so. I received the letter the bank give you to present to a solicitor closing the account on the H2B isa. This is valid for 12 months. I intended to keep the LISA for the year and then look to…
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Service review invitations- is Lloyds aggressive?
I receive an "invitation to a service review" from Lloyds practically every month. It's a Club account I have mainly used as "linked" to savings accounts so occasionally sees large sums coming in and going out when changing savings account provider. I have a similar account with Halifax which has never had such an…
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How Global funds react to market realities
Morning Everyone. The main bulk of my stock portfolio is a global ETF (Vanguard FTSE All-World UCITS ETF). Does anyone know how these ETFs work and redistribute? For example over 50% of the shares are US based. If the US' economic dominance were to decline in favour of China in the next 30 years, for example, would the…
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Any need to keep direct debits on Nationwide?
I have Flex Direct at Nationwide where the 5% has just finished & also the 5% regular saver still running. Do I still need to keep the 2 direct debits running & crediting £1000 per month?
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Coventry Building Society
Coventry Building Society has notified the reduction in interest rate on its (discontinued) Easy Access Online account from 1.40% to 1.25% on 16th March. This does not bode well either for some other accounts:"we’ve regretfully had to make the difficult decision to reduce the interest rates on some of our savings…
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Lloyds Monthly Saver Depositing Question
Hi, I opened up a Lloyds Monthly Saver on the 25th Feb and transferred £250 into it on the 28th Feb. Will this count as my March contribution or should I deposit another £250 by the 25th of March?
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Charles Stanley Direct - Where to Start?
Hi all, Currently I have some disposable income to manage. After reading the S&S ISA guide on here, I decided to take the first step towards investing my money through CSD. Contextually, my other savings are tied up in current accounts and regular savers - so I thought S&S would be a logical step. I guess I had this…