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Help for my Mum
I'm trying to help my mum with a savings question that she has. She is 85, and has around £50,000 in the bank. It's just sitting in an account that isn't giving her much back at all. She wants to know how she can get a better return on it. She ideally would like to put around 30,000 into a savings account of some kind, and…
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NS&I frustrations - Grrrrh
I've just tried to register for an NS&I account to buy premium bonds. Once I realised (following help from this forum) that the Chrome browser seems to be the way to avoid the 'you've been logged out as you pressed the back button' IT glitch, they've still left unresolved for years, I actually managed to register. But...…
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Savings/investment HELP
Hi all, I have a spare £10k sitting in a Santander current account. What is the best thing to do with it? I hopefully won't need to touch it for the next 5 years+. I'm 51 and have no ISAs and 3 very small private pensions from previous jobs etc.. How can I save/move/invest this to give me the best return? Any advice would…
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NS&I Linked Bank Account Details - how to find out the full details?
My turn to experience the joy of the NS&I Website.... I have PBs & ILSCs. My PBs have long been linked with my bank account for prizes. I just went to change the maturity instructions on my ILSCs. It informed me I had to link to a bank account first however it wouldn't let me simply choose my existing linked bank (no…
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Investments for Children
Any suggestions for investments for my two children 6 months and 5 years old. Have some inheritance that I wish to invest for their future. Thank you
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Bank of Scotland Share Dealing - Transfer Cashback Offer
Apologies if this has already been covered. I did a search and found nothing relevant to this offer. Wondering whether it would be worth transferring my holdings with Bestinvest to BOS now that I have received the £100 cashback from Bestinvest for transferring my Hargreaves Lansdown ISA to them earlier this year. Probably…
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Shortening duration
Global events seem to signal a fair chance of a slowing in the speed that base/bank rates will fall so I am shortening duration on fixed interest. Are others making any changes?
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Hanley Economic Building Society
Hanley Economic Building Society are updating their App.Suspect some with older devices might be unable to access mobile banking. "Great news! We’re releasing a significant update to the Hanley Economic mobile app on Wednesday 19th March. This update will enhance your experience while keeping all the features you know and…
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High Interest Easy Access Savings Advice
Hi, I am currently with Chase but they now only offer 3%. I'm looking for an easy access savings account, without needing to take a current account with it, but also one with over 4% interest, pays interest monthly and allows unlimited withdrawals which are same day - basically the same service as Chase. Any ideas please?…
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£55000 deposit in B & B eSaving A/C
I have come across an application form dated 19.08.2008. I do not recall what happened to the deposit. Is it still there or did I withdraw it? I obviously cannot contact there B & B now. Thanks for any suggestions. The money went from my current A/c.
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Gilt Auction Treasury 4.375% 2028 - closes 12 November with HL
Received an email from HL with regard to this latest gilt offering. Possibly of interest to Isa and sipp investors keen to get hold of a short dated gilt at a clean zero commission price. Hoping it will go for a small discount in the auction.
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Principality merging accounts
This morning I received a secure message which said 'thanks for closing your account' (First Steps / Buyer issue 1) which I hadn't done. That sent me into the horrible realms of thinking that I'd been hacked and money stolen. No, PBS have decided that customers can't hold issue 1 and 2 and so have merged 1 into 2 which is…
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Gilt Trade Issue
In 2023 my bank offered me the opportunity to invest in low coupon gilts and index-linked gilts that were very short term, one expired in March 2024 and one in January 2026. They pointed out that the prices were attractive and I would be only liable to pay tax on the coupon but the capital gain once the Gilt expired and…
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Films4U International (EIS)
I invested 5k of my hard earned money into the above company in 2020 for a 3 year period. I’ve never received my share certificates. I’m unable to get replies from them either phone or email. The company were using the money in the film industry to promote & make films. They promised EIS tax relief but it took them nearly…
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Savings advice
Hi, looking for some advice on a regular savings account. So I have been paying additional overpayments on my mortgage (currently at a balance of 57,317k) and I'm on a fixed rate so can only pay 10% of the balance at the start of each year which for this current year im going to hit the 10% limit in may. From then onwards…
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Tax on Investments in a General Investment Account
Hi, I should be grateful for some guidance. I find myself with £30k to invest and no available headroom in ISAs or pensions. I would like to keep things as simple as possible for tax and only realise a CGT liability on sale of investments in the GIA (and I would intend not to exceed an annual gain of £3k to keep within my…
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Selling shares questions
Wife has the following shares all seem to be held with Equiniti shareview Tesco worth £82,000 Shell worth £4500 Centrica £750 & We both have Lloyds shares only worth £85 each We are looking to prob cash in all them except the Tesco shares. Should we just do it through Equiniti or is possible & worthwhile to transfer them…
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Saving for Granddaughters School Fees
I have decided that I would like to help fund the private school fees for my granddaughter when she reaches her 11th birthday. My goal is to reach £120K over the next 6 years. I understand due to the timescales that this should be in savings rather than investments, but saving interest rates are falling. My initial thought…
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How to structure Premium Bonds between lucky husband and not so lucky wife?
My husband and I both have premium bonds - he seems to win every month while I win every month or two (yes, it's extremely annoying!). We were thinking of cashing my bonds in (around £10k) and putting them into his account, but can't seem to work out if that's going to increase or decrease our odds. Anything with a…
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Pay off mortgage or invest in SIPP?
Hello all, I have a decision to make which I have been wrangling with for a while and would appreciate some other views on! The background - I'm 46 earning £60k a year. I have a Civil Service DB pension and around £70k in savings split between cash ISAs (£30kish @ 4.5%), regular savings (£25kish @ 4.5%) and a stocks and…
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