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Cashing in of 65+ Guaranteed Growth Bonds
I have some which are due to mature on 16 January 2018. NS&I have contacted me saying I can only cash them in online. That's fine, but they show a balance and I'm not sure whether this is the balance including interest at today's date or it will be the balance on maturity. They invite me to CASH IN, but if I cash in now…
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Sale of inherited house monies
We have just sold our inherited house and of course money has gone into my husbands bank account. As it's way over £85.000 how long can we keep that cash in the bank that is over the £85.000 threshold. We are going to move it out of the bank as need to spend money on our main home but that will all happen in the summer.…
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Change isa now or wait .
My 2 year fixed rate isa paying 1.25% finishes 1st march with halifax bank . I need to find something better as they are not offering another 2 year fix . Will banks etc be offering better interest running up to the new tax year in april or should i take the best offer for march 1st . And why does every couple of days i…
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S&S ISA 10 - 15 year performance guess
Hi all, I recently invested 100k with the help of an IFA that my father in law has used and trusts over many years with his finances. The 100k has been split between me and my wife. 40k is in s & s ISAs as of November (20k each from me and wife) 40k will go in April at start of new financial year and the rest in the year…
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Avoid cold sale investment firm Braxton Knight
I've had a few calls and a brochure from an "investment firm" called Braxton Knight. According to their literature they've been going since 2011 but there's surprisingly little on them on the web, they're not registered with the FCA, promise returns of 1-10% a month using the "rebate model" (I'm an investment professional…
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Buying in dollar shares...does the exchange rate matter
Good morning I am considering buying shares in google and was wondering if the ecchange rate matters at all The way I see it you buy X amount of shares and they either go up or down and you then sell at whatever value that they are worth. Have I got this right??
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Post Office Online Saver - second acct?
We currently have a Post Office Online Saver account which is paying out 1.0%. From 14 Feb this will fall to 0.2% because our 0.75% bonus rate will run out then. I rang up the PO and they said I could simply set up a second account in the same name and transfer all the fund to that account and start my 12 months bonus rate…
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Review my portfolio (part 2)
Hello chaps, In the wake of learning a lot more about savings & investments (mostly thanks to this forum alongside articles and books) I have decided to rebalance my stocks and shares ISA portfolio. I would be interested in getting some feedback on what people think of my allocations. I am looking for medium to high risk…
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You can now close Lloyds, Halifax & BoS savings accounts online
Apologies if this is common knowledge on MSE. I wasn't aware of this myself - useful for those who've 'collected' the accounts from previous monthly savers (that have now matured to standard savers). Log in to online banking. On the main page click on 'more actions' against the corresponding account. Click on 'account…
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Topping Up Lifetime Isa after HTB Transfer
Hi everyone, As the title suggests, I've just transfered my HTB Isa into a Lifetime ISA but I'm unsure on how much I can now top it up by. I've tried looking online and even contacted skipton on twitter to no evail, so have come to you guys to see if anyone else knows! Basically, using simplified numbers, Say I ended the…
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London Capital and Finance
Has anybody had any dealings with this company. They are offering bonds @ 3.9% for 1 year 6.00% for 2 years and 8.00% for 3 years Personally this sounds too good to be true but would be happy to hear from anybody who has tried it out. Many thanks
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Post Office Savings Rant!!
Just wanted to give potential savers a heads up as to how poor I've found the Post Office saver account that was recommended on here. I opened it last week, couldn't make large deposit using debit card, told had to be less than £10k, tried less than that was kicked out. Later told it was a problem with their system and max…
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Best way to switch platform
I have a stocks and shares isa with Bestinvest (in conjunction with Fidelity fundsnetwork). I would benefit from lower charges if I moved to iweb for instance. I have about 22 different funds which Bestinvest have advised me to purchase over the years which I would like to simplify. Am I right in thinking that I should ask…
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Trustnet Portfolio Problems
Any one experiencing issues with their Trustnet Portfolio contents this morning? My Tesco share entry has just vanished overnight. Tried entering it again but Tesco is not a listed stock. In fact everything beyond the letter "P" appears to have gone to the dark side...
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Investing vs Pension Contributions
Dear All, Extremely long time lurker, first time poster. Hoping for any feedback you may have (or point me in the right direction). Please be gentle! What I’m trying to figure out is should I be investing, increasing pension contributions or to a lesser extent overpay the mortgage with excess cash from my salary. (I’m…
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Charter Savings Bank
New here but have searched the forums with no very recent info. Was wondering if anyone has good/bad experience with banking with this bank and the online experience too. I've not had any problems but only have a small amount with them that has just sat there fore a while. I have a chunk of money I'm thinking of putting…
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New to investing
Hello all, Two years ago i bought a flat and i have been saving money since then. Now i have reached the amount in cash i consider enough should something happen (major works in the flat, losing my job, etc) so from now on i would like to invest some of my monthly income (not from my savings). I am completely new on this…
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LISA Bonus
I have read that after April 2018 you will start to receive the 25% bonus monthly based on your contributions. Does anyone know the maximum amount I can contribute per month and what bonus I will receive for this?
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Lifetime allowance risk. Should I take more salary and put less in pension
Just wanted to get some views on this. Seems weird asking this at a relatively young age and to be honest I never thought I would need to worry about this but I've realised how quickly a decent sum can grow with the right conditions! I'm also weak on the lifetime allowance to forgive any silly questions Since my salary…
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Where to invest £150k
We've just sold a business and have £150k. It will be for a house when the bubble bursts but I don't have the income or desire to buy now at the peak of the market. Where do I put it to earn anything decent on it while I'm waiting ? We've both opened Help to Buy ISAs but is there an option other than opening a heap of…