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finding the right IFA
Help I work for NHS trust they arranged a seminar for people close to retirement, the company offered there services which included IFA. I agreed for one of there IFA to come and visit us. the guy has been taken our details and will be contacting us shortly with his advice. The card he gave us has his name on but I cannot…
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Good rate cash ISA - not tied to current account?
Hello I want to transfer my current cash ISA from Halifax (interest rate: 0.5%) to a new provider. I was considering opening one with Alliance and Leicester @ 3% for 9K and over. The only downside is it has to be tied into an A&L Current Account, and i'm perfectly happy with my Halifax Current Account (pays more interest…
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New To Saving - How Exactly Do I Go About It?
Hello everyone. Looking for a bit of advice here. My wife and I (both 29) were given a rather nice gift of £25k for Christmas from my parents. The first thing we did with this was to pay off the remaining loan on our car, so we now own this. The only debt we now have is our mortgage, which is of the size that the remaining…
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Premium Bonds Cashing In
I cashed in some of my Premium Bonds today by sending them off along with the cashing in form. Could someone tell me how long they take to go into a bank account please. It says up to 8 working days on the form but just wondered if anyone had already cashed them in and if its sooner then this. Thanks in advance.
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Trying to do best for my babys future, advice please
Hello, I have never been a saver but have decided that I want a better life for my baby. So since she was born (dec 08) I have put every spare penny I have away + have asked for cash for xmas and so on. So to date there is £680 in a rainbow account with rbs at 0.5apr. So today after reading on this site I opened a Halifax…
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Form R85 help please
I opened a savings account in July 2009 with the Post Office. It took me ages to get a form R85 and now that I have one, I was wondering whether they will take tax from the savings interest for the period July 09 - January 10? I was hoping that my note saying I have been a full time mother during that time would suffice…
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Going to come into some money havent a clue what to do with it.
My husband is due to come into some money we think about £50,000 - £100,000 maybe more. At the moment we do not own a home but have looked into buying our council house. From looking into it we think we are allowed a £36,000 discount and looking at houses that have sold in our street in the last 12 months they have sold at…
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Regular Savings arnt all that good in my opinion
My Barclays regular savings account has just matured .After paying in the max of £250 a month for the full term I received £70.55p in intrest .I will not be opening any more of these as it hardly seems worth the hassle of opening one:mad:
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Total Expense Ratios
Where would I find TERs of individual OEICs. I have looked on Trustnet and H-L and it doesn't appear to be readily apparent.
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saving rate - can someone confirm please
Hi, I currently have a halifax ISA with 6k in there. At present the rate is 3% gross per annum. Now I also have a vantage ( non fee ) account at lloyds. The rate there is 3.14% net per month. Now I know its not alot but is it worth me swapping over. I believe it is and instant access. Dont want the hassle of setting up…
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I just CAN'T save! Need inspiration and tips! arrgghh!
Hi everyone, This year I really need to save, I've been thinking about going bankrupt but can't even manage to pull the fee together, I'm rubbish at saving and budgeting and money burns a hole in my pocket! Theres lots of things i really need but just need to save! Any tips or ideas for someone who just cant save? If i…
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Barclays 6% Reg. saver has come to an end..
... and I'm trying to work out what account I've been moved on to. It looks as though I've been moved to their current Monthly Saver which is the same as what I had but with a lower 4.25% interest. It seems as though I can keep my balance in there from the end of the 12 months at 6% (3k +interest) and keep adding at £250…
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aviva atttribution payment- did you get yours?
i got all the bunf, voting card, confirmation etc, then 2 weeks before xmas, a letter saying i didnt qialify after all?! wonder how many others were strung along like this..
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Inherited some money, best secure way to invest?
I recently inherited a some of money. At the moment it with NatWest and I’ve spoken to one of their representatives but he wasn’t the best of help (i.e. advising to keep the money with NatWest). Can any state where the best place to invest this money would be but with no chance of losing any of the investment? I already…
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Do I need to make another payment to my Halifax regular saver?
Hi all, in Feb09 I opened one of the 5% "Regular Savers" Halifax were doing that requred you to put in between £25 and £500 a month by standing order before near the end (25th?) of the month. Since then I have made all the monthly payments and the account is set to mature on 11 February. My question is, do I need to make a…
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What is my interest rate, please!
Is anyone able to tell my the annual interest rate that I am earning based on the following figures? £6926.27 (opening balance 8/12/09) £7.30 (first interest payment 20/12/09) This is an ISA account, so no tax on interest. Thanks in anticipation.....! :o
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Birmingham Midshires Maturity Date
I've had money invested in a 1yr internet fixed rate bond, since 30.1.09. In December I received a letter from BM detailing my maturity date to be 16.1.10. I didn't really pay much attention to this date at first as I was more concerned with where I was going to transfer this money to, but it seems BM have taken the…
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Long term monthly savings
Hi, complete newbie here but I've searched the forum and can't find something which completely answers my question so hope you can go easy on me. I'm 28, and thinking ahead I'd like to make myself a 40th birthday present. I have personal cash ISAs and joint savings accounts with my partner but I'm thinking about something…
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Share Service
In the mainstream press you often read about how large scale brokerages issue reports with a buy or sell on a certain stock. I presume those reports are only available to large clients of those firms (e.g. goldman sachs) but can anyone recommend a general share tipping/reporting service? I have been looking at the Motley…
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First savings from first salary - invest what & where?
Good morning to you all! I have been an avid reader of these forums and decided to make an account this morning and start posting myself. So, lets start.. I have started working after graduating from uni this summer. During uni I worked part time and have saved up around 2500 Pounds. I am also able to save around 300…