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Warrants
Prior to the restructuring of British Energy's shares early last year I held over 200 shares. After restructuring I found myself with just 8 shares plus 18 warrants. What is the purpose of the warrants? What should I do with them, hold them as they are or convert them into shares? Thanks, Andy
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which savings account
Hello money savers, Ive got 10k which i need to save, What should i do it to make it work the best? jason
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first investment
hi all really could do with some help im 23 and i want start to look at a invest to hopeful gain a profit but i really dont know where to start or what to do im still at home with parent so this give me a big advantage as i dont have any bills i jsut open a isa account and put some saving into that to maxmise intrest…
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short-term savings options?
If someone has let's say around 5,000 pounds that will have to be dispensed in around 6 months and thus cannot be risked at all, but the person does not want to 'waste' it on a no-interest current account deposit, what can be done with such a sum over a half-year or so for purposes of earning something on it?
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If Standard Life goes Plc will it lead to more demutualisation
If Standard Life gets the 75%+ Yes vote for demutualisation, do you think it could lead to further demutualisation within the Life Insurance and Building Societies?
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Home-savers
Hi guys, I already have a mini cash ISA so am now looking at regular savings accounts. Given that I am saving for a deposit on a house, do I go with a standard regular savings account, or one provided by a building society that could then be transferred into a mortgage, such as the Britannia home-saver which offers 6% on…
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Are all investors here debt free (except a mortgage)?
The common conception is that you shouldn't start investing until you have all debts cleared (apart from a mortgage) due to the interest that you will be chraged on your debts. I obviously agree with the above, but what about buying a car? Does everyone who invests own their car outright? I would have thought that it would…
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Investing? Learn the basics here
Hi all Just to say this site (http://www.investopedia.com/university/) is IMHO exemplary in explaining the basics of economics and investing, and if youre thinking of doing so is well worth a trawl. Motley Fool (https://www.fool.co.uk) is recommended here as well but I found the site v.difficult to navigate and the…
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Savings Advice 3.5K
Hi, I have managed to save £3300 of my student loan, although I am annoyed with myself that I had to use the rest due to personal circumstances - I was paying off my debt with it when I was not working. I am now with the CCCS who are helping to sort out my creditors. Should I use this morning to pay off my creditors. I owe…
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What Can A 17yr Old Do? Please Help
Hi there, I'm 17 and have decided i want to do something with some of my money from work. most of it is just in my Barclays Young Persons account and the rest is in Premium Bonds (still havn't won anything!) I am ineterested in investing it, or had anyone got any other ideas? If not can anyone give me a little bit of help…
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Best place for 5k
I have a Halifax 6 month Guaranteed!!!! Reserve Account which started at 5% and is now 4.55% so what does that guarantee mean? It matures at the end of May. Where would be the best place to stash it bearing in mind I don't need to touch it and and already have money committed for my Mini Cash ISA for this year.
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Regular savings account when not working
I'd like to open a regular savings account but I've just given up my job to look after my daughter so officially I am now 'unemployed', although my husband earns. I started an application for the A & L 10% but stopped as there were so many questions about earnings when opening the current account. I would like to save…
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Alliance&Leicester 10%pa v Tax Free (Isa etc)
I want to do some regular savings. A&L are doing 10% gross for a year, maximum monthly deposit is £250 pm. Im trying to weigh this up against a tax free savings vehicle. Which do you think would be best? I am a basic rate tax payer. I dont really need to have access but it would be god to have access once or twice a year,…
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First Direct E-savings rate reduced to 4.75%AER
The E-Savings rate advertised on the First Direct web site is now 4.75% AER I have not received any notification from FD that the 5% rate on my existing account has been reduced but if you go to "rates" on the FD web site the only rate you will find for the E-Savings account is 4.75%. Looks like FD is following the…
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How long to switch to Halifax Fixed ISA ?
I have an existing ISA with the halifax. I phoned them up on 13th April to switch it to the Fixed rate ISA paying 5%. Looking at my account online today it says my ISA is still earning 4.75% Anyone gone through the same process know how long it takes for them to convert the account ?
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Interest rate data
Hi. I'm calculating the repayments I intend to make for my first mortgage. I'll be getting an interest only one and making my own investments. In order to make the information in my spread sheet as accurate as possible I need to make projections to do with interest rates, stock market return and average house prices. Does…
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House Deposit - Where to invest??
Hi, I am saving to buy my first house with my girlfriend and we've saved our 10% deposit - Approx £15k. We're having a problem finding a good place to save the cash. Can anyone recommend the best way/place to the invest the money for the next 4-5 months?? Thanks
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Birmingham Midshires 4.95% with bonus for 12 mnths
With interest rates falling on most savings accounts you might like to take a look at this Birmingham Midshires account ( https://www.askbm.co.uk ) Quote: Manage your account online, access your funds at anytime and earn a high rate of 4.95% gross/AER. Benefits: Invest as little as £1 and earn a high interest rate of 4.95%…
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advice on saving
can anyone give me some advice basically im only young and i want start saving some money ive read about isa and the best saving acounts but what best to do i have a saving account already with tesco so what i need to know is it best to open another high saving acount or just open a isa acoount or open both also who best…
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Child trust fund help
Hi, need some help as where to put my sons CTF voucher. Basically I want the best place where I can put it in, and if I have a spare £20 here or there then I can add that with no obligations for more or less. Any help is apreciated, I am one of those that has no clue about banks :doh: So I am here to learn :D Thanks loads…
