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should i put £5000 saving into my morgage or invest?
ive been saving up for a while and curious to see what anyones opion should i put it down on my house or invest it for a few years?
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Cahoot re-launch 4.85% savings account
I thought I'd post this in case any of you were on the lookout for an easy access savings account paying a decent rate: Cahoot are to launch a new easy access savings account paying 4.85%, according to the Money Mail website. It looks very much like the account they were running up to the end of last summer. The account…
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isa and savings question...
just wondering if anyone knows if i could have two accounts with Halifax e.g put £250 a month into halifax isa saver direct and £50 month into Halifax regular saver? cheers!
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Savings account for hap-hazard saver
Hi to all who read this. I need your help. I want to open a savings account which gives the best interest BUT 1. I do not want to pay a hugh fee to open it. 2. I want to vary the amount I put in, maybe as little as £10/month or week. 3. I want easy access to my money. Not much to ask for!!!! Also prefer that is not an…
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A & L direct ISA issue 2
I have a cash ISA with IF that is paying 4.55% would it make sense to transfer it to the Direct ISA issue 2 that pays 5.20% plus a bonus ? If so can I transfer the whole amount which with interest is now over £4,400 or can I only transfer £3000? If I read the info correctly I have transfer the funds directly and not via my…
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Problems with Halifax ISA Investor (FTSE / Fund Investment version)
Hello everyone I have had an ISA Investor runing with Halifax for over 3 months now - I have found the online service to have been very frustrating over the last month. I have a £50 a month dd going into the FTSE 100 on the 28th of every month, and have made 2 small "one off" deposits of £20 into the account, namely in a…
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£10,000 any ideas
Hi everyone, this is my first post on this site so I do apologise if this thread is a little too specific! My happy dilemma is that I have saved up £10,000 from work as I have and still am living at home and am planning what do do with it. At 20 i'm still not quite ready to move out but I am drawn to the idea of buying to…
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Help I Am Confused With Savings
Hi i am really new to this. I have a current account and always saved in a regular savings acount. With new year here i decided i need to think about my finances more. Today i set up 2 e savings acounts to try and make some interest. I am looking to save 200 a month. I need access to it, and i am trying to save for…
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Children's bonds or savings accounts?
Please be gentle with me - this is my first time! We invested £1000 in 4 year bonds for our kids and they have recently matured. We have been tardy in reinvesting the money :doh, but want to rectify this as soon as possible! Do we: * Invest the money in another bond again like the one at the Abbey at 4.6% or similar - any…
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Children's Bond or Savings account
Please be gentle with me - this is my first time! We invested £1000 in 4 year bonds for our kids and they have recently matured. We have been tardy in reinvesting the money :doh, but want to rectify this as soon as possible! Do we:* Invest the money in another bond again like the one at the Abbey at 4.6% or similar - any…
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ICICI withholding 20% interest - anyone else?
Hi there, I activated my ICICI HiSave account on 30/11/05 (which took 2-3 weeks to open, but no worse than I expected) and credited it with £1, followed by £2000 on 09/12/05. They credited me £5.24 interest on 30/12/05, but also debited £1.05 on the same date, which they've referenced '20% TAX W/H ON INT'. I take this to…
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A&L Online Saver Issue 1 rates changed??
If I recall correctly, and I think I do, A&L's Online Saver Issue 1 (the closed one) used to pay 4.75% flat, up to a maximum balance of £25K. Effective today, it is paying 4.50% up to £30K, or 4.75% up to £50K. I cannot see any mention of the previous rate on the website, only the "previous-previous" rate of 5.00%. This…
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Filling out a CREST transfer form
Okay, I'm aiming to transfer some Treasury Stock (Which I hold in certificated form) to my stockbroker (To put it into de-materialised form). In order to do this, I need to fill out a Crest Transfer form and send it, with the certificate to my stockbroker. So far so comprehensible... I'm looking at the Form itself, and I'm…
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New year, new saving plan but where
Hi, For the first time ever I'd like to start a saving's plan but have no idea where's the best place for my hard earned cash. I'd like to save £150 a month. Can anyone suggest good saving's plans. Thanks
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£3000 in ISA now?
Hi Guys, I am looking for a bit of advice, I have sold my car and I am down grading for a couple of months which leaves me with around £13k sat in my current account doing nothing. I looked into ISA's a while ago but never bothered with it. As far as I can understand you can put a maximum of £3000 in them per financial…
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Calculating Compunded interest
Hi Everyone, Question to all you clever mathematicians - can someone please give me the formula for calculating compond interest. I'd like to know how to calculate the balance on a sum invested say for 5 years at a given ROI. I can of course do it in Excel, but I seem to recall learning it at school, but I cannot remember…
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ISA £3000 interest question
If you have £3000 in an Isa, then get the interest at the end of the tax year, say for simplicity, £100, you then have £3100. If you then pay £3000 into the ISA 1st April, you then have £6100 in the account. Is this correct or should there only be a max of £6000 in there in the second year? thanks!
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A & L Online Saver Issue 2
I've just noticed that Issue 2 now has Gross p.a/AER interest rate of 5.15% until 30/03/07 which includes a fixed bonus of 0.90%. Up until last week the bonus was only payable until 30/06/07. With the rate extended (applicable to new and current issue 2 savers) this is now one of the best short to mid-term savings accounts…
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12k saving options?
currently got 12k in the woolwich as a branch saver. probably wont touch the money for atleast a year, wont pay into it at all. how can i maximise my interest? just brainstorming really. my current account is with lloyds tsb. im 22 years old. cheers in advance.
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Halifax 7% Regular Saver
What are your thoughts on this type of savings account
