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Prudential Shares
Hi All, I'd appreciate advise on buying shares in the above company. I intend to buy and hold forever with an eye to dividends. I like how they have increased their markets outside the UK and particular in Asia. I'm hesitating slightly,as the FTSE is currently north of 6000. Any advise would be much appreciated. kmb275l
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40% tax bracket
Hello all, I'll be pushed into the 40% tax bracket next year and I really need to do some planning. I understand that you can put more of your money into pension (don't want to do that as I want faster access to the money) and a host of other options... the one that sounds most viable is putting a full £11k or so into a…
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15K need to invest it long term what to do
Ive just been brought out of my share of a house. Ive 15,000 that I wont touch/use for 5/6 yrs ( Ive just come out of a DMP so I cant get credit/morgage for that term of years ) My goal:- In 6 yrs to use the money as a deposit (together with other money Ive saved ) for a house deposit. So whats the best/safest way to…
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Best way to save £40k-£50k easy access
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halifax kids regular saver- trustee problem
Last May I renewed 3 kids regular savers and opened a 4th one for my 4 grandchildren. I was annoyed that these accounts could not be checked online, as in previous years. They said I had to go into the branch to check their balances. 3 days ago I asked to check their balances. They allowed me statements for the 3 renewals,…
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Change of interest
Hi, I on thursday applied for a blme savings account and printed off the application form etc, which states that I applied on the 3rd. On friday I saw the interest rate has fallen a lot. Will I get the rate from the day I applied, or will they try and con me by signing me up on the new lower rate as my money wont have…
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Building the house deposit
Hi All, We are currently saving up as much as we can towards a house deposit. Last year we were a bit slack, buying a new car, a few other expensive silly things, holidays etc, but this year it needs to be focused ! We have just come to the end of a 12 month regular savings account with First Direct which both myself and…
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Could you make 1% profit a week share dealing?
Random I know, to settle an arguement in work do you think its possible to make a clear 1% profit a week share dealing? Say you had £20,000, and either invested in 1 or 2 rising FTSE 250/350 shares, then safely got out again once they'd risen 1.5% (or more). Then repeat the process? Could focus on 3 or 4 shares and get to…
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Captital Gains Tax and Income tax
Hi All, This is something that has been troubling me for a while. I bought some shares a while back and again sometime last year. In total they cost me about £2,000 and they are worth slightly less than that at the moment. I became a higher rate taxpayer since last financial year. Now I'm thinking of disposing of the…
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Marks & Spencer share price drop - why?
Have been trying to ascertain why M&S share price dived by 12p on Friday. Only thing I can find is announcement about "blocklisting" but I haven't got a clue what this means. Have tried Google but still can't see anything. Does anyone know what this is?
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IWEB Share dealing
I am looking at getting back into buying shares, after a few years, but this time i am going to do things differently and not put all my eggs into 1 basket.... looking to invest around £500 a month, and each month a different company has anyone used IWEB as a broker? their charges seem to be very good, and alot cheaper…
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Tax on non-ISA S&S Funds
I have a cash ISA that I want to fund for the forseeable future and also a S&S ISA with HL that I want to fund for another 4 or 5 years I also want to put some cash into HL's non-ISA Fund and Share account and transfer it to the ISA in 4 or 5 years time using my annual allowance over a few years The funds will be…
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Advice on savings account(s) please
Hi I have just received a lump sum of £90,000. I am going to invest it in building work, but need to put the money into a saving/s account for the moment. Building work should be completed during 2013, so I need instant access. Should I put it all into an instant access savings account? Advice please.
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Almost Debt Free - now ?
Hi All I have worked very hard to get myself into the almost debt free position I am in now. Currently I have one credit card left with a £4500 balance on it however this is interest free until Feb 2014. I have about £1400 a month spare after expenses etc. My question is should I concentrate on paying off this one…
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Halifax Online Saver, how is interest calculated?
It's 2.8% gross with a fixed bonus of 2.7% for 12 months. Interest paid - annually on anniversary of account opening But it doesn't say how the interest is calculated. Is it on monthly/daily balances or....? I have about £40k in there already which I need easy access to (currently buying a flat so will need it for deposit…
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20 year old trying to maximise savings!
Hi All Thanks in advance for reading this thread and for any suggestions that you may have for me! Basically I am 20 (soon to be 21) and i am working full time (uni drop out), my ISA for 2012/2013 is now full and I have another in my sisters name which i am currently filling. My income is not great, so i am making the best…
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Asset Protection Scheme - any good?
Hi I recently got info from a company that specialises in APS (Asset Protection Scheme). I am 56 years old and my wife is 48 and we don't have any financial planning in place for us and our 2 children. So to find out more we booked in for a free seminar that they ran and it sounded good. Basically they provided a service…
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Loan interest rates - thoughts
Hi All, Now I know noone has a crystal ball but would like to know what users of the forum think about this. I have my own thoughts and am a little undecided still. I'm asking out of interest so dont worry about me acting on advice from an anonymous forum. :op I'm a frequent reader of the posts here and would be interested…
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Opening a new ISA
I already have an instant access ISA and have paid in my maximum amount for this year so can no longer make any deposits. However, I wanted to move my ISA to a provider with a better rate so I opened a new instand access isa online. It said the minimum deposit was £100 so to start with I decided to deposit £100 into the…
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The End Of Britain?
This is the title of a sales pitch for Moneyweek Magazine. But it makes interesting reading. It predicts financial armageddon, they says its magazine tells you how to avoid it. One of the interesting things (quote) We are not simply talking about shares falling or house prices dropping, which is devastating enough. We are…