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£15,000 to save, but where?
Currently sitting in an egg savings account. I pay 20% tax on earnings. I have not used any isa allowance for this year. Any advise greatly appreciated.
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Why does it take so long for an ISA transfer
I applied to have my 2 ISAs transferred to the Nationwide one from Bradford and Bingley, the other from Cheshire Building Society. I applied on the 7th April, one of the forms requesting transfer wasnt received until the 27th April, and no-one seems to know what has happened to the other one which Bradford and Bingley (yes…
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best option for saving??
hi im new to this site and would appreciate any advice or tips... basically my husband and i have set a target of saving enough money (at least 15,000) to put down a deposit on a house in the next five years. We already have 3,000 as a starting block just sitting in a current account. What sort of savings account would…
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Investment
Would this be a good time to buy sterling with australian dollars?
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We're moving abroad - what should we do with our child trust funds?
I have two children - aged 4 and 1. We started child trust funds with the £250 voucher they received when they were born. We'll be moving abroad later this year to the States permanently. They, like me, have dual citizenship. We don't know what to do with these accounts. We'd like to continue putting some money into them…
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Cheapest way to convert £150k into Euro
I am moving back to Spain and will have a relatively large sum of money to convert into Euro sometime in the summer. I would really appreciated your advise on:* what's the cheapest (and safest!) way to convert from one currency to the other? * would you do it in one go, or in tranches? * any reason for leaving a part of…
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5.4% tax free saving.....No Martin
......Martin as someone who campaigns for clarity in financial services I feel it is rather misleading to imply an annual return of 5.4% net ( re ns&i index linked accounts) based on one months figures (march 2010) when the actual return is based on the difference between the rpi index at opening & at closing (after 3or 5…
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Why UK equities as core holding?
Is there any fundamental reason why a growth portfolio that has no particular finish date target(within a 5-10 year loose timescale) should include UK equities?
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Savings for Grandchildren - best bet ?
Now I'm a grandad i'd like to start savings for my Grandson (and any future grandchildren) - looking to put a small sum of money - say £20 a month - to be used when he is 18 (or thereabouts). Whats the best options - Savings account / Trust fund ? Not looking for this to be high risk at all but something there for when he…
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Circa £50k investment
were to invest it for a 40% tax payer? ISA's have not performed well over the last year :mad: need instant access as plan to spend some of it on house extension circa £20k rest of funds can be locked in with say 4 withdrawals a year if needed just need pointing in the right direction other than sticking it back in a…
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Halifax Share Dealing Problem
I have just been on my halifax share dealing account and moved some cleared money from my halifax current account to the share dealing account. The last time i used this and it was a few years ago this was instant but it says funds available in six days surely this cant be right. i want to buy something in the morning.…
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Investec High5 Account minimum balance
I read in the Sunday Times Money Section today that Investec are effectively withdrawing their High5 account for most people as they're increasing the minimum investment level to £100,000. This will be a blow to those people who have savings of around £25K and don't continually want to be spending their time hunting around…
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Children's accounts - death of trustee?
Just a quick and morbid question: if I open a Little Rock Instant Access Account as trustee (with my three year-old son as beneficiary) and then die - who will control of the money pass to? I've looked through the Terms and Conditions but can't find anything specific that would cover this. I assume that they would look for…
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Halifax 5 Pounds Reward Account Current Account Loophold Investigation Report
Hello all, I am working for an major UK bank and always interested in comparing different financial products offered by each bank in the UK. Recently, I noticed a large amount of discussion about a loophole of one of the new current account offer in Halifax. I found it interesting, so invest two days worth of my spare…
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S&S Isa portfolio ideas.
All, Can you please see the changes on post 10. Guys, Hoping you can all help. I am looking to open this years S&S ISA and have looked at and quite fancy the below. I believe it is a little above balaned, so am open to ideas on balancing this out. I am looking to open up with the full £10.2k UK Equity - 3 funds 29%…
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Savings safety
I have substantial funds with NS & I and recently moved substantial funds to Santander - Flexi ISA and a 2 yr bond. In view of the precarious position of the government and possible adverse reaction in confidence to sort out UK deficit, and news that Spain, and Portugal; are in difficulties equaling those of Greece; is my…
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Gold Is A Good Bet When Sovereign Nations Are Imploding
Get physical gold, real shortages in physical metals affect market activities in strange and interesting ways, pressure on Goldman Sachs in time for the election, hand slaps for the destroyers of economies, paper interests are folly, metals due for a moon shot... There are only two kinds of gold and silver to own...…
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£11.75 fee to reissue a dividend cheque over £30
Currently sorting out unclaimed dividend cheques for deceased relatives shareholdings in various companies Equiniti / Computershare / Capita Registrars all charge extortionate fees to reissue dividend cheques in the name of the beneficiary These range from £11.75 to £12 for each dividend cheque over £30 and £30 for each…
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Alliance and Leicester - Is it still under separate registration
Does anyone know if Alliance and Leicester is still under separate registration from Santander? I thought I read somewhere that they were merging for reg purposes with Abbey,Bradford and Bingley,and Cahoot. Thanks folks!:(
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A Very Small Shareholder Problem
I'm helping a friend to sell a modest holding of Rolls-Royce shares. She has certificates for all but three shares - presumably three that were issued as part of the scrip dividend - share conversion lark. Letters of Indemnity and replacement certificate fees seem likely to cost several times the value of the lost shares…