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buying/selling my house
after selling my house it will be 2 months until i take out a new mortgage what would i do with 100k in meantime any ideas thanks
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share help pls - i have names of companies, are they valid
Hi, i need to sort out some shares for my deceased aunt's estate. can anyone pls tell me which companies no longer exist from this lot, what names they were changed into pls, and which companies are currently valid names. thank you then i can sort it out a bit better and phone the registrars on tuesday BG PLC ord 1 2/15p…
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Equity ISA changes
From: http://www.moneywise.co.uk/forum/grow-your-money/savings/unfair-isa-rules "Under current rules interest earned on cash awaiting investment is not taxed in PEPs but is in ISAs. From April when PEPs become ISAs Interest earned on cash awaiting investment will be taxed.Anyone managing their own PEPs who go liquid from…
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Akbank And A Daily Mail Lowdown
I noticed Mail On Sunday have included Akbank in its best buy savings tables. http://www.akbank.co.uk/ 12 Month Fix 6.75% Gross 1.00+ Instant Access 6.25% A.E.R Gross 1.00+ http://www.thisismoney.co.uk/saving-and-banking/article.html?in_article_id=433594&in_page_id=7 Anybody opened accounts with these people? Rates havent…
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Nieve question from newbie re interest rates
With the BOE base rate heading downwards, I can understand the current attractiveness of fixed rate savings. But with current headlines of "Mortgage lenders running out of cash", why are we apparently not expecting them to offer some higher rates of interest to savers to attract funds? (Gets ready to blush at having missed…
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Corporate bond.Retail C
Hi. First of all,my knowledge of savings and investments are very limited but would like some advice on the following please. My wife was advised by Halifax to save a regular £250 per month which would go into a Corporate Bond Isa account(i presume this buys shares). Have been trying to make sense of the statement shes…
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What to do with existing ISA + spare cash?
I have a £3000 Halifax ISA SAVER taken out on 28/03/01, it says interest is due yearly.. looking at my last statement from 05/06 (don't appear to have received the 06/07) I am getting about 3.3% which is really bad?!:mad: The account has £3648 according to my statement dated 31/05/06. Does this mean I have to wait until…
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Iceland Krone Meltdown.
Having lost 25% of its value this year of which 17.5% was lost in this month do you think extreme caution should be given to investing in Icesave,Kaupthing Edge etc ?
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Savings Protection under the FSA
I know that under the Financial Services Authority the first £35,000 of any savings is protected, but understand that this is per institution. As many banks and building societies are now owned by the same institution, how do you find out which are in the same group? Without this information, you could easily place £35,000…
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Portfolio; treasury index linked
The following are listed as part of mixed equity portfolio which was managed by bank until death of holder. Treasury 2% I-linked 2006 Treasury 2 1/2% I-linked 2009 UK Treasury Strip 7 1/4% 07/12/2007 Principle Are they 'gilts'? Have the ones marked 2006 and 12/07 'expired' and should be re-invested? Worth holding or not?…
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Saving my daughters housekeeping to help with her with a mortgage deposit
My daughter is engaged and saving for a deposit on a mortgage. My wife and I have been saving the housekeeping she gives us to help out. At present we have saved around £5000. The problem is the savings are in our names not hers. I am concerned that when we give her the money the tax man will want some (he usually does). I…
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Advice on RNPFN MONEY BUILDER
Hi I started a MONEY BUILDER POLICY with RNPFN in september 1986, premium 10 pounds monthly. As is by now common knowledge, RNPFN ( now Liverpool Victoria ) has been doing so badly since 2002, that I would like to " get out ". My policy only matures in September 2018, so what are my options if I want to " cut my losses "…
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Fixed Bond?
So over the space of say 3 years I'm planning on fill cash ISAs, a high interest savings account however what are people's thought's on Fixed Bonds? Worth investigating?
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Help on Investment
I bought shares in a company 6k worth at 13p I owe 46174 shares and have been patience and kept them for a while. Anyway the share price has dropped to 9.25p and as it stand I am £1700 down I want to get out am not really good at working out averages. Can someone tell me how much I would have to invest to bring my Average…
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L&G help
Hi guys, Just found this great forum and would like to ask you guys something. My father used to live in London in the mid 1980s and opened a unit trust investment with Legal and General over that time period. I am not too familiar with how they work but my father said the term was 20yrs. In any case, he would like to cash…
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S&S ISA or Broker Account?
Im looking to do some infrequent share trading and it appears SelfTrade is best at £12.50 per transaction plus cashback deal and no inactivity charges. Should I go for an ISA or normal account? What are the differences? I'd be looking at a S&S Mini ISA and would be investing less than £4000, so would the tax benefits of a…
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Calculating real returns
http://www.statistics.gov.uk/cci/nugget.asp?id=19 RPI at 4.1% Top accounts paying around 6% so for each pound real return = ((1+0.8*(0.06))^(365/365)) - ((1.041)^(365/365)) =0.007 correct ? Can you use current inflation to assess real return or do you need to wait 365 days and then assess the real return ?
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BullionVault.com - Anyone Used it?
Im considering investing in Gold at the moment, and have 2 main options (although I realise there are other ways of investing in Gold). 1 is the buy commodity shares in gold, which track the price of gold, these are traded on the London stock exchange, or 2 trade in pysical gold (although you dont actually physically have…
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Another ISA Question
hi all, just a quick question about ISAs, I've had a look at some sites and searched this forum but cant really seem to find an answer. Basically I know you can only put £3000 per year (£3600 next tax year) in an ISA, but does that mean each year you can put a new £3600 in, so you would have £3k this year, £6.6k next year,…
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Fixed Term Savings!?
Hey all, hope you're well. I currently have a bulk sum in an MSE reccommended savings account, but I would like to spread it around so that no more than £35k is in any account, for safety purposes :money: However, having followed the site's advice, I stumbled across Kaupthing's Fixed Term savings, which seem to give very…
