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Bradford and Bingley
Optimistically I still have paperwork regarding a small balance in a Bradford and Bingley savings account and a small shareholding. Is it worth keeping or should I bin the lot and pretend it never happened?!
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What to do with unexpected inheritance monies from late brother?
Hi All, hoping someone can help with this as its all so sudden and unexpected.Wasn't entirely sure where to post this as it crosses several forums. I will becoming (subject to probate) into an inheritance from a recent bereavement. The combined amount of money will be circa £550K and a 2 bed flat in Surrey valued at £350k…
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Overpay mortgage or pension
Hi All, With savings accounts performing so poorly I was wondering, if in principle it is better practice to overpay my mortgage (I have £85k to go with an interest rate of 1.99% or put a lump sum (10K) into my pension, with is very small... Thanks!
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Tandem 3% fixed rate saver
I joined the mailing list and had an email today saying I had got lucky and was one of the first 100 so have access to a fixed rate saver at 3%. Anyone else get it? The app is a beta version so you have to install it outside the app store which isn't ideal, but I guess is the play-off for the rate. I rang Tandem just now…
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Overpaying mortgage instead of saving.
Not necessarily totally instead of as we all need money aside. Wasn't sure which forum to put this in but since I'm coming from a - is saving worthwhile at the moment kind of angle, I'll drop it here. I read a piece last night about overpaying mortgages. I have to be honest, I hadn't actually paid it any mind until I read…
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Tech funds - too risky?
Dear all, Was just about to put some ISA
money into this: Legal & General Global Technology Index Trust I Class Accumulation However, the same fund attracted
some discussion in another thread, and the chart below pointed to the potential
high risk of the tech sector. Not sure if anyone has any thoughts on this
(potential…
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Low cost platform for S&S ISA: Vanguard vs Freetrade
I'm considering low-cost stocks and shares ISA platforms, Vanguard and Freetrade in particular. I know they're different beasts (more on that in a bit). But at a basic level, I wanted to check my logic on cost comparison: with Vanguard charging 0.15% platform fees and Freetrade £36 a year (£3/month), I make it that the…
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1 Year Fixed Rate Saving Accounts With Smartsave
Was trying to open a new 1 year fixed rate account but they have shut the site down, for what ever reason. I expect they will no longer offer the same rate or remove the account altogether? I was not familiar with this bank, so I needed to do some research, sending money to a company you have no knowledge of is very risky.…
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Best place to invest £15k
I have an endowment policy coming to full term mid Oct. My morgage has been paid in full and so I would like to know the best place to invest 2/3 of the policy, approx £15k? I know savings rates are terrible so any advice would be great. Thank you
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Are they different funds ?
Checked it out on Trustnet and decided to go with Impax Environmental markets trust PLC IEM (which comes up in TN as Impax EM AGBP) for the final investment trust to add to my grandchilds bare trust . Went into HL and clicked through to Impax markets trust PLC , and all they offer is Impax Environmental markets PLC…
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Watershare + - South West Water Share offer
Hi I'm a Southwest water customer and today received the following email saying i can have £20 credit or £20 worth of shares. It looks legit, I've checked their website directly. I'm not desperate for the £20 so was thinking of taking the shares, but know nothing about buying or owning shares so wondered if there was…
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Avoiding commission when transferring savings in Euros to Pounds
Hi everyone, I hope you’re all keeping well in these times. I have recently come into some money - this money is currently stored as Euros in my Spanish bank account, from when I was living out there. However, I have now found myself needing this money with a fair amount of urgency. I was wondering if anyone could advise…
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The what if's that maybe
Anyone out there wise enough to know what happens if we have lengthy lock downs and crash spectacularly out of Europe? What happens and what can be done to come out of it the least damaged? I would assume we all know we are in uncharted territory where anything can happen so what if we do get everything crashing what…
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New kid on the block?
Sorry for so blatantly fishing, but I wondered if there were any new kids on the block in terms of multi-asset funds that have knocked Vanguard Life Strategy off the top recommended spot. I have a bit in these funds already and now have some more to invest. Would happily put more in here but just wondered if any savvy…
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Bitcoin nightmare
I registered to invest in bitcoin, I deposited £500 with Traedo and my investment manager phoned me. I wasn't keen on his attitude from the off. In the end I cancelled because he kept trying to get me to increase my investment. I only got back £485 even though I didn't invest anything. And then the.nightmare began, over…
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What's the point in saving into a pension when you have a LISA?
I'm in my mid 30s and regularly save both into a stakeholder pension (separate from my employer contributions), and a LISA. But considering the return on a LISA, what's the point paying into the pension at all? To me as a layman, the LISA offers a 25% bonus to savers. So for instance if I put in £1k per year for the next…
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Clearing times - an open question
In my recent post “NS&I more problems?” (3 Sept 20), my stupidity in not reading an account brochure properly was rightly exposed. However, I have an issue arising from that to which someone might have an answer. I opened my first current account nearly fifty years ago (the Dark Ages, no computers, mobiles, internet etc…
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Investing via Bare Trust for 3 young relatives - best platform?
I posted a thread a while back because I want to invest over the next 13-17 years on behalf of three young relatives (aged 1-5 years). I wish to be able to control the investments (choose which funds), and for the funds to be accessible when they reach 18 - at which point, I will very possibly be pushing up the daisies.…
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Overseas Property investment losses due to investing with Movewithus
I have lost money investing in overseas property with Movewithus in 2006 & 2007. I'm trying to find people who have invested in overseas property that have lost money and have either successfully or unsuccessfully claimed for losses from Movewithus. Thx Martin
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ESG Investing
During this lockdown, it got me thinking of being more conscious of the environment and climate. Maybe I might be looking into this too much, but is it me or has the weather drastically changed in London over the past ten years? This got me thinking, I am getting older now, I need my savings to make me money. I was…
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