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Peer2Peer investment (fundingcircle zopa ratesetter buy2letcars)
Hi I have read the website forums for sometime but this is my first post as I can't seem to find any discussions on peer2peer lending (if I am mistaken apologies) I have been looking at the three main sites which have started their own self-regulatory body; fundingcircle, zopa, and ratesetter. I am interested in committing…
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Bonds in ISA's?
I have purchased some bonds which are currently in my share dealing account. Is it possible to transfer this into an ISA? I know it has to be at least 5 years until maturity but I can't find a 'bond' option on any ISAs I've looked at so far. Thank you
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Variation in share price between dealing accounts
While comparing share dealing accounts online, and the different costs to trade (ranging from £5.95 to £12+ per trade), I was wondering if the prices they get the shares at for you varies much? Do the accounts with cheaper fee's not get as good a price for you, and so make up the difference this way? Or is my brain doing…
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Regular Savers linked to Current Accounts
With the demise of decent rates on regular savers I am now looking to maximise opportunities with those linked to current accounts. I currently bank with Lloyds and do not wish to change. I see that First Direct offer 8%, HSBC 6% and Norwich and Peter 5%. I have no problems opening current accounts but will not use them,…
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Preparing for the year ahead - poor savings rates and an uncertain market
Happy new year everyone! :j 13 is lucky for some, but I just wondered what savers out there are planning for the year ahead - with savings rates currently in free-fall and more rate drops likely to follow. What are you planning to do? Personally, I have started opening a couple of the current 'best rate' accounts now (even…
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Transferring an ISA to a new party
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Are interest rates going to go up anytime soon?
Are interest rates going to go up anytime soon? If they do go up, how much is realistically possible?
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Santander Reg Saver expired today but not in internet banking?
It's not in my list of accounts, will they just transfer the sum to my bank account or create another savings account and add it to my list? Thanks for help.
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Saving for disabled child
Hello I wonder if anyone is in the same position and could offer some words of wisdom. I have been saving my disabled childs benefits of roughly £140 a week but realise its not a good idea as its in my name and I will have to declare it on my tax return as a higher rate tax payer. I have made a discretionary trust and can…
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Childrens Savings for twins!
My husband and i are expecting twins in June. :eek: We would like to start putting money away for the future, university, weddings, house deposits, whatever they want to do. We want to take a look at our budget and see what disposable income we have each month and then take a percentage from that to put into a savings…
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Looking for advice re saving.
Hi, new to saving as never had a significant amount.. not got a lot but as part of a divorce settlement have about £17,000 to do some thing with. I am 61 so dont want to invest as cant risk losing it. I have just put the max amount in a cash ISA after seeing something on here. I have the money just sitting in a nat west…
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fundsmith-alliance trust saving or hargreaves and lansdown
want to start a s&s isa -want something that is lowest fees possible and have about 8/10 year time span -starting from April 2013 fundsmith looks interesting -total expense ratio low alliance trust saving -low charges hargreaves and lansdown - higher charges but sophisticated platform any views - my plan is to invest the…
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Switching to new online saver
I have £17,000 in an e-saver and the bonus ends in 2 weeks. I've got other saving using up my ISA allowance so want to maximize interest on this without having to lock it away. Any better solutions than a regular online saver? Any loopholes I'm missing that I should be exploiting? With quite a large sum, even the…
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Gamble it all?
My friend had the misfortune of marrying a real demon of a woman. She had 4 husbands with 4 separate kids prior to him marrying her. I did warn the guy prior to marrying her. She cheated on the previous 4 and now has cheated on him, screwed his job up and kicked him out. They are separated and may divorce soon. His father…
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Aim in 2013
It's been a terrible year for a lot of Aim commodities stocks, many are down 50-90% down. I have a bit of a collection going now that I've been able to pick up hopefully near their bottoms. Here is what i have; XEL, GKP, RRL, BEM, AGQ, RRR, POG, ENRC, BLVN, CAD. I think is fair to say buying these kinds of shares is a punt…
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Too Scared To Invest
Are people afraid of the risks of investing because of the present-day financial climate? Many people are losing out because of their reluctance to invest money. Are there too many scam investment schemes out there that put people off? Is there not enough advice given when it comes to investing money?
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Best way to change USD to GBP
Hi Guys, In need of some advice a friend has money in America in USD and he would like to bring some to the UK as he plans to stay over here for 3 - 6 months while working. Now my question is what is the best way to do this, Should he wait till the the USD moves favourably Will it be cheaper to convert the USD into GBP in…
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Advice for someone who has never switched...
Hi everyone, I have never switched bank accounts or savings/isa at all, currently with Natwest and getting around 1% on my savings and 0.1% on my cash isa. Just wondered if the following seemed sensible? Open up a first direct bank account (pay in over £1500 a month and get £100). Open up a first direct regular savings…
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Transferring money from bank to bank to get 2x interest
Hi People, Someone on another post directed me towards another website forum where someone had advised to: "you should do the following daily Monday - Saturday: Transfer savings from Lloyds to Santander before 8.15pm then back again from Santander back to Lloyds between 8.15 and 10pm So the balance is with Lloyds…
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low user fees on share account
I have a few shares that are kept with FXCM but it is such a small holding and I can only top up with reinvesting the dividend twice a year. The broker introduced a low user fee 2 months ago without my knowledge - ie no letter, email etc which I complained about but they have just said, tough! My question, is there a…