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Identity proof
With the constant search for best rates that goes on these days, is it right that I need to continually find proof of my identity, to open an account with a new institution - when I am applying by means of a "transfer in" of an existing ISA on which, I have allready satisfactorly proved my identity? After all, I have…
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ISA Decision
My wife and I had money invested in two stock & shares ISA's (one each) for the last 3 years. After slowly getting the value back to where we started after the credit crisis we had lost faith in the stock market and fearing a double dip recession, took the money out at the end of 2010. We now want to put this into a cash…
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Does H'fax guaranteed saver A/C pay monthly %?
Hi, a friend has asked me about earning interest on his cash, i advised the Santander (5%) account (up to £2500), the Halifax ISA (3%) (he has a reward account) and the TSB Vantage account that pays up to 4% on between £5000+£7000 (Santander+TSB both can be funded by the £1000 needed via a quickie bank transfer online to…
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Gold eyes 10-week low as safe-haven bid fades
http://uk.finance.yahoo.com/news/Gold-eyes-10-week-low-safe-reuters_molt-1225156560.html?x=0
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Difficulties with co-executor of will
Any help or advice you can give is really appreciated. I am having difficulties with my brother who is co-executor of my Grandfather’s estate. My Grandfather gave me £20k to “look after” for him to pay bills etc should his health decline. He retained around £10k in other accounts and a property worth £150k as his only…
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National Savings - Inflation Proofing.
Hello A while back I had to get some tax free savings, so I went for some NS&I tracking things. Anyway, it is due to mature, and I am happy with the gains. But they are offering me to continue with this new thing called "Inflation Proofing +1%" over the three year term... What to do, I don't have to worry about tax free…
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Kids inheritance - is it managed correctly??
In 1997 my father died and left his entire estate to my two daughters then aged 3 and 2. It is in trust until they reach age 21 and the trustees are the solicitors that dealt with the estate. For over 10 years I received no communication from the solicitors in relation to the monies invested and as the beneficiaries were…
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how to use lloyds tsb with vantage?
Hi, i just changed my lloyds tsb classic account to vantage. However, I'm a newbie and have some questions regarding it. Please help answer it as I really appreciate the answer. 1) I only have a lloyds tsb classic account. I don't have other bank's account such as HSBC, santander, barclays etc. I don't have it except one…
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Should I add shares to my ISA ?
Hopefully the way I write this query makes sense! There's probably too much detail but brevity is not my strong point. I worked for a large company for my entire career (retired early due to ill health, 2009). I took company shares every year for staff profit sharing, and also took the dividends as shares. I had a "Single…
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Anyone else's investments not doing too well in 2011?
S&S ISA is down about 3.5% and Pension around 2% Only funds which are up are UK Property and European Equities. Nothing exciting or too worrying given my risk profile, but I was wondering if this is happening to others too?
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Trading for Everyone
Trading is awesome! Everyone should trade stocks. The benefits that trading brings to anyone who sticks with it are vast. They spill over into and enrich all aspects of our lives, in a myriad of ways extending far beyond the obvious financial rewards. And it’s never too late or too early to start learning this fascinating…
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Nationwide Bonds-Quidco
Not sure if this is the best place for this but- In October Nationwide offered £35 cash back for anyone taking out a E Bond. Has anyone received this £35. I do not blame Quidco but appears Nationwide have offered the incentive then failed to pay up.
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What to do with my investments
Hi I have the following investments below (though iii) I currently buy £20 of each fund a month for nearly 3 years now. (some started after others hence the unequal cost between funds) However I'm beginning to think I should take some profit out of two of the funds (Gartmore and Old Mutual) and reinvest in something else.…
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starting up savings instead of under my pillow
hey gents/ladies, i am looking at starting a savings account for me and my girlfriend asap. i can easily put aside £250 a week at the moment and within 6-8 weeks ill be able to put aside £500+ a week. trouble is i want easy access to it if i need it for an emergency or for buying my first house but also want a good…
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Saving bonuses
I'm a little confused about bonus rates on saver accounts. Coventry BS offer 3.05% AER inc. 0.5% bonus where as the post office do 2.9% AER inc. 1.25% for 12 mths. I don't fully understand why I get the bonus, and I have this feeling that banks will do everything to trip me up and cause me to forfeit it. Would I be better…
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What is the riskiest share you have bought?
Just wondering what risk others may have taken and why. Any novice investors reading should pretty much cross anything you read here off your list! I'll start the ball rolling... What? I recently bought "Alpha Pyrenees Trust Ltd" (ALPH). Why is that risky? Because they buy and rent out commercial property in France and to…
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6k to invest
Hi, Brand new to this and looking for some advice please folks. I'm looking to start a savings account asap. I will opening the account with 6k, what sort of account will i earn the most from wirth regards to interest, ideally a short term gain. I know im asking silly questions as we all want more for less but any…
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Any other good share dealing discussion boards?
Other than here obvioulsy! Just wondere what other boards people use, or would recommend? Thanks in advance
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saving for a complete newbie
I just wondered what is the best way to save for a complete newbie like me. I have had a bad history with money, am 23 have never saved and when i was younger never had any money or any knowledge of saving. When i got a job at 18 the money came in and was spent on junk, i regret it so much. I have tried in the past to save…
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Charges for iii Portfolio Builder
Can anyone clarify whether the £1.50 charge for sharedealing within iii's Portfolio Builder is per month or per month (per share held)? For example, £1.50/mth or £3.00/mth if I invest £50 in each of two shares. Many thanks, couldn't see a clear answer on their website.