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Halifax closes Savers Prize Draw
Advised by email received today that Halifax are closing their Savers Prize Draw. Not that I'll miss it as I haven't won a bean in it in the last ten years, and I haven't seen any reports from people who have.
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Halifax Mortgage and Savers Draw
Letter received yesterday telling me one of the draw factors of Halifax is being scrapped in September. The mortgage draw in particular gave you the opportunity to win a large amount of money monthly (albeit noone knows any winners). Coupled with the removal of awards, what is going on with Halifax, with a remortgage due I…
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Help tracking down old policy company
Hi MiL recently moved to care home and looking through old documents and contacting companies has mainly been fruitful. There is one item that has us stumped though. No end of googling has identified where this policy may well sit now. The documents list a product called an Assured Savings Plan, on paper headed up from…
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Bass Plc- Old Shares
Hi, just wondering if anyone had any advice. My grandfather passed away recently and left an assortment of Bass Brewery Stock Certificates. I know the company went through the following changes; In 2000, Bass changed its name to Six Continents Six Continents (6C) was then split into two companies in 2003 - InterContinental…
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Is it worth rebalancing my portfolio?
I have a SIPP made up of two funds. 28% is in HSBC Global Strategy Balanced C Acc 72% is in Vanguard LifeStrategy 60% Equity A Acc Ideally I'd like my portfolio to be split equally between the two funds. How an I calculate how much it would cost me to rebalance so that it's 50/50? Thank you
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Kent & Reliance withdrawal times
Hi. I can't seem to find (and I have looked) the withdrawal times of the Kent & Reliance Instant Access account. Is it quick and instant.I previously opened a Charter Account but closed it due to the slow withdrawal times. I need instant fast access. All the other accounts above this on the TOT charts are no good to me.…
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CQS New City High Yield Fund Ltd (NCYF) ; what's the catch ?
I've done a fair amount of digging on this relatively high yielding IT/dividend hero. I'm yet to find what exactly is the trip wire :disappointed: Plenty of history, strong total returns, transparent. Yes you're always going to need to identify good opportunities when there are bond maturities, but it appears to have a…
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Tax treatment of the Indexed uplift of a Discretionary Nil Rate Band Trust.
Hello, I am currently trying to sort out the tax implications related to winding up a Discretionary Nil Rate Band Trust following the death of my father, the surviving spouse. The Trust fund contained £285,000 ( the full nil rate band allowance at the time) and was indexed . This indexation amount over the 18 years which…
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Tennants in common with a parent ... Pros and Cons
I'm considering buying a house as tenants in common with my father and need advice on the pros and cons. He’s 72, owns his home outright, and I’m nearly 50, single, with no property of my own—making me increasingly anxious about both our futures. Originally, I planned to buy a property outright, but circumstances have…
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ReAssure Investment
Is anyone out there having problems with ReAssure as cannot access my online account as from yesterday and have tried 3 times to contact them by phone but just ringing out. Seems really poor customer service
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Principality BS Website outage
The Principality website just timed out on me while using it 11:10am, trying to log back in getting the same Azure error message - seems they are just too popular on the first of the month with all those regular savers! UPDATE - back when I checked again around 11:50am
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Ford money problems
Tried to log on with app first thing this morning, not working, tried with website too, wouldn't log me on. Phoned them up, very off hand and unhelpful, explained I needed to withdraw from my instant access account, was told to try later, as they were having problems,I asked.if I could just.do it over the phone,…
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Tembo & Trading 212 - overlap in FSCS?
I currently have more than 85k between them and am considering transferring a further 20k into my Trading 212 ISA or a new Tembo Cash ISA. But I'm worried about going over for FSCS protection. Maybe it's the heat but the maths is evading me on this one...Tembo LISA 38k = Barclays, Bank of Scotland, Aldermore Bank and…
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Info source for credit spreads
Is there a single info source that shows yields and therefore credit spreads for different types of debt, ie government, corporate, developed markets, emerging markets, by country, by region etc.?
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Self employed and started to invest
Hi I’m self employed, I’ve finally built my business to the point where I’m earning a reasonable income. I’ve just been approved to buy my house and this year have started regular contributions towards a private pension (not much but will increase once I’ve got my emergency fund together). I’ve also started investing into…
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NS&I to cut Premium Bond prize rate to 3.6% from August – are they still worth it?
NS&I will cut its Premium Bond prize-fund rate to 3.6% from 3.8% for the August draw and beyond. But this rate was already lagging behind interest rates on standard savings accounts – so if you have Premium Bonds, you may want to consider moving your cash to an interest-paying account. Read the full story: NS&I to cut…
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Children's savings
Hi all, I'm probably being really dull but reading the articles on children's savings I'm still unsure what the best thing is to do to get the best returns on my child's savings. She is 8 years old and currently has about £11k in an ISA at about 4%. She will soon be receiving potentially £10k or more, due to a death in the…
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Cashing in investment bond held in flexible trust
Brother and sister are beneficiaries of an investment bond which is held in a flexible trust created 6 years ago. It is performing poorly and they are thinking of encashing the bond as there are no options to change the fund. Should they wait until the 7th anniversary for the bond to be outside of estate or does the…
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Better use of cash
Hi, me and the missus have managed to build up about 200k in cash which is currently split in ISAs (Tembo, Leeds, Paragon) with the rest in Marcus - we are paying 45 percent tax on that! got a mortgage balance of about 200k, but that’s on a 2.9% fix until 27. I’ve got a company operated pension which I pay 1500pcm into and…
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Loughborough Super Saver Account
Sent email on Tuesday with scanned application form and ID documents. Heard nothing, so rang them today. Apparently can take 5 working says to open account even if details sent by email so goodness knows how long if apply by snail mail. Not very impressed and having second thoughts if I will fund it. Shame because good…
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