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Short Term savings (11 months)
My fiance and I are saving a bit of money towards our wedding in February 2008. We will be saving between 300-400 a month between us for the next 11 months, so will end up with a total of approx. £3000-£5000. My question is: where would be the best place to save this money. I know I can't expect huge returns over 11 months…
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Confused by AER
Forgive me if I'm missing something blindingly obvious but I'm new to sorting out my finances and learning how things work! Correct me if I'm wrong but the AER refers to the interest earned if interest made on capital is left in an account and compounded yes? Therefore the equivalent to a higher interest rate than the…
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High Interest Instant Access
is it possible or am I dreaming? :D Basically, if we manage to buy this house we want to have a pot of money which only requires one signature to withdraw for in case of emergency and other one is away so we need an instant access account but as I'm a debt free wannabe i don't really know about savings accounts :o any…
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Best place(s) to stick £35-40k
I have a lump sum that's sitting in an account earning 4.4%. I want to have instant access should I need it. I don't envisage dipping into it frequently so would be prepared to consider having a penalty for access. Also I don't currently have an ISA and it's that time of year where I should open one to take advantage of…
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YBS Internet Saver - best for feeding money into Lloyds Reg Saver?
I searched, but couldn't find anything. I'm asking this I've just opened an HSBC online saver, read through everything and somehow missed the bit about losing your interest when you make withdrawals! So, I'm now looking for an account which preferably pays the interest monthly, has high street branches AND doesn't penalise…
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investment ISA advise needed
have been looking at this in the past week, but still confused on the annual return, charges etc. when putting into ISA, i am prepare to put the money away for a long time (3yrs +). so am trying to compare the annual return of cash and investment ISAs. have read the article dated 2004: Funds and ISAs: the cheapest way to…
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mums retirement. 60k to invest
hi all, little advice on my mums retirement funds please. she has 60k to invest to boost her income, and im not sure of the best way to get her the maximum income. she can tie it up for one year, but will need income from it after that point. my advice was to max her isa for this year, and put the rest into a saga 1year…
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A&L Premier/8.1% ISA am I missing something?
From advise pages "....this account is far from a best buy although it does offer a 0% overdraft". what am I missing here? I had one of these Premiers last year for the Recommend-a-freind bonus + free worldwide insurance, closed it when that ended. As I recall all A&L require is £500 a month in, (in cash at any Post…
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Abbey Super ISA
Hi, What are peoples views on the new Super Isa Introduced by Abbey? They are offering 8% on an Isa, reducing to 5.25% in May of next year. Attached to this is Guaranteed Growth Plan of 9% or 23% over 3 or 5 years. Is this a good return for a stock market product, or would this money be better placed in a standalone stocks…
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4:property
has anyone checked these people out? It seems like a good idea, but I can't help but feel that anything claiming such high returns mst be a risk.
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Should I open an ISA account with my own bank ?
Hi all, Need some help....Am with First Direct and wondered if it would be a good idea to set up an ISA with them rather than get one from another provider. I dont know if I can deal with the hassle (if there is any of course!!) Also, would it be wise to put money in now or wait till April. thanks Poppy
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Where to put my money after selling the house?
Hi, i have just sold my house and as we havnt found another yet we are moving back to the parents until we find one. We are just undecided on where to put our money we have around 25k and have filled both our isas for this year. Any one have any recommendations?? any advice would be great thanks Lauren :confused:
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Make a living from share dealing?
Has anyone on this board managed to give up their day job and make a decent living from trading shares? How much capital did you start with? What methods did you use? Straight dealing, day tarding, spread betting? Cheers
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£50 A Month
Hi, my team and I are looking at saving £50 a month towards a big night out every year. Now we need an account that has easy access, don't mind if its internet only. Need to get it up and running by April :p cheers
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A&L Offshore Account - Tax Savings?
I stumbled across A&L Offshore : http://www.alliance-leicester.co.im/default.aspx?bhcp=1 Seems to pay a decent rate of interest 5.7% plus as its offshore they take 15 % tax and dont report you to the tax man. Now I m wondering if this is a tax dodge that people are unaware of ? It seems that the overment is content in…
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Saffron e-saver being withdrawn
Note on their web site says the current issue of the e-saver is being withdrawn on 13th March but they will accept applications until 27th March. Currently one of the best payers at 5.6% for £1000+.
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Best place to put £45K ???
My recently widowed FIL has £45K, where would he get the best interest rate?
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Saving for the Future (& a Wedding!!).
Evening All Fellow MoneySavers Advice & Ideas req'd.... Cutting a long story short, I purchased a studio flat in Essex in 2002, it stood empty until July 2005, during this time I used it as weekend bolthole, somewhere to come home to when possible from my work, (I'm in the Armed Forces). From July 2005 till July 2007 the…
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£3000.. need advice where to put it
My partner has £3000 which he wants to save until next year when he intends using it to pay for a masters degree. Where should he put it in the meantime? He dosen't intend touching it until the time comes when he will pay for the masters degree. Any advice would be appreciated :)
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Portman merger with Nationwide Payouts?
BBC is quoting payouts for members of 1000-1200 - does anyone have more details especially re borrowers? Thanks
