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Sense check savings plan
Wonder if you kind folk over here would sense check my plans for saving please. I currently have @ £2K... £800 in Lloyds 8% reg saver (18 months to run) £400 in A&L 10% reg saver (finishes 1st June) £800 in in 06/07 tax year ISA Now I'm debt free, I have approx £900 a month that I want to save. My thoughts are: £250 p/m…
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which savings account would be best?
Hi, I want to sort myself out so that when my car tax and insurance is due I have the money set aside to do this. At the moment I pay my car insurance by direct debit (so incur interest charges on this) I have worked out to cover insurance, tax and mot (basic charge + a bit extra) i need to save approximately £45 per…
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Premium Bonds - A question
Does it make any difference to your odds of winning a prize if you top up your holding over a period of months or buy £30,000 in one go? In other words are your chances improved by having 30,000 consecutive bond numbers? Thanks.
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Upgrade to Halifax High Interest Current Account and earn 6.17% AER
If you have an old style Halifax Current Account and deposit at least £1,000 per month then it could be worth you considering switching to their current advertised offer of a High Interest Current Account (HICA). Read what the Telegraph have to say about the Halifax Current Accounts in their article:…
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Premium Bonds
I have had £2k in Premium Bonds for the last 3 years and won zilch. Do you think it would be money well spent if I just cashed them in and used them to make an overpayment on my mortgage. (I'm in a pay off mortgage frenzy at the mo and thought that the interest I might save on my mortgage is better got rid off than waiting…
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YBS Regular Saver - paying in
Hi all Opened one of these in-branch last month and handed over a cheque for £500. The T&C say that you can make further deposits by cash, cheque or standing order. However, I have £500 sitting in an HSBC account that I want to close, so instead of transferring this to my current account and then to YBS I want to transfer…
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safest place for £60,000.
Hi, Please can anyone help? My mum is in a very fortunate position to have £60,000 to put into a savings account. She is a tax payer even at 80 years old! She dosent need a monthly income from this money, she just wants it to grow safely so she can give it to her grandchildren for there education, ie uni. At the moment it…
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HSBC 5.75% online saver
Don't know if its been posted already - 5.75% gross from HSBC on their online saver, should be near the top of the pile (if not top) for instant access savings.
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16k from selling shares - what now?
I was wondering if anyone could give me some advise. I have had some money invested in shares for a long time with Glaxosmithcline and my parents have been trustee's for the account. They have finally decided to sell them for me to give me as a lump sum for a house. However i'm only 22 and don't expect to buy a house for…
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Icesave: switching from annual to monthly interest.
Hi As there's now no difference in the rate, we'd like to switch our account to receive monthly interest. I believe this is done at the website, but I was wondering about the interest accrued to date; does anyone happen to know whether it'll be added to the first month's interest, or paid on the first anniversary? (I know…
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Best value Notice Savings Account?
Hi - could you please advise me what is the best notice account regarding interest rate and services?
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Topping up an ISA via Credit Card
I was thinking of using my credit card to top up my Mini Cash ISA by £2500 before interest is applied, grab the interest on the maximum amount, withdraw £2500 from the ISA and repay the credit card before in end of the interest free period. I presume this is possible with a bit of forward planning but is it legal and has…
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Can't get my money out of HSBC!
Hi all, Opened an online HSBC svings account via MSE in Dec, to get the £20 John Lewis Vouchers, and deposited £500. There is no tie in for the account, but I have been experiencing problems with the website. I set up all the security details via a phone number, and was told this was the only time i could deal with the…
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Transferring from one ISA to another??
Just wondered if anyone can help me with a quick enquiry. I currently have an ISA with maximum savings from the last 2 years, it is with the Nat West. I am very new to this moneysaving but am wondering if it is possible to transfer it into a better rated ISA but not lose out on the allowances - if that makes sense. I think…
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Latest Stockmarket falls..................
...................Investment opportunity or downward trend. I'm not really sure what has caused the stockmarkets to drop around 5% over the last week or so, wiping out gains since the beginning of the year and before :-( I would say that without a substantial reason the falls have to be viewed as an investment opportunity…
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Isa query for confused nan
My 85 year old nan went down to the alliance and leicester on wednesday to put £3000 into her isa.She was told that because she never put any money in last year (an oversight on her part) she could not add to it and would have to open up a new one.She already has two with them as one was originally withdrawn and she could…
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Investment to use capital gains allowance?
Is there a (100%?) safe form of investment that provides capital growth rather than income, so it could use CGT allowance rather than being liable for income tax?
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Need Advise ? In Shares !!!
Hi, My mum got 100 shares like 20 years ago off the bank when she opened an account with them and her sister has them too but they have been just umm left since that time she got a letter in the other week saying that there worth an Indicative value of £9.97 each at the time of the market closed on that date so what were…
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Savings account and credit check ?
Official MoneySavingExpert.com insert For full info on your credit scores and credit report, see the main website's Credit Scores guide. Back to the original post... Bit of a silly question but here goes .. does it leave a flag on your credit history everytime you open a savings account ? or is it only when you open a…
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am I being ripped off
In 2000 I invested in a with profits bond(original investment £32.000) with the royal and sun alliance, in 2003 they decided to stop running these policies and my money was transferred to phoenix life now resolution or phoenix resolution (with no option to surrender without penalties).during the time r.s.a were looking…
