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Compound Interest calculations
My Dad and I were trying to work this one out, but my (long forgotten) maths degree is failing me.. I understand compound interest, at least in theory. What Dad wants to work out is this: if he has sum S1 invested in an account at rate R (AER) for a period of time T1, then part way through that period he adds more money…
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Confused with ISA's
Hey All, I'm just trying to get my head around ISA's as I'm soon to have some cash to stick into one (unfortunately after this financial years deadline). I've been following Martin's guide (http://www.moneysavingexpert.com/savings/best-cash-isa#improved), but when using the ISA calculator I enter £1500 as my current…
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How can i save up to 5k?
Well since all you are all old Saveing novices And im the new 12 year old to the market hopeing to make a quick buck or should i say aprox 50p :) Well heres the serious Part I Want to Do well in life and by that i know ill need cash for Dishing out on personal Expenceis on learning but also to have fun!! Who ever when they…
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Nationwide 60+ monthly interest
There is a problem with how Nationwide works out the interest on this account. They work out a figure around the 23rd or 24th of each month and post that assuming the balance remains the same to the end of the month. (The amount is credited on the last day of the month) Thus any movements in or out of the account during…
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Barcleys tax Haven vs A&L 10%
Hi, Was all ready to put my money in the Barcleys Tax Haven ISA however Would I be better off putting this years ISA allication (which I haven't used yet) into the A&L one which seems to offer a lot more interest 10% then the Barcleys Tax haven which only offers 6.5%? seems to me to be a much better account but am I…
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Are there any general recommendations on balanced portfolios??
I can't find the site I read about this before but it suggested a specific set of sectors for the best type of balanced portfolio. Does anyone know off the top of their head on how it's generally done - Oil Companys, Banks(!!) and so on to get the best sector balance? thanks in advance
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£ v €
The euro continues to grow stronger against the pound. Its €1.26 per £1 today is the euro going to continue to get stronger and the pound weaker. Does anyone have any forecasts for the next few months? Would it be beneficial for the UK to join the euro if this trend continues? Thanks in advance
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HL lost my online investment instructions
hello, a few days ago, I put through an investment instruction online at HL website. when i logged into my account today and found that there is no record of my instruction, the money has been sitting in my account for last few days. I am not happy at all with HL web. has it happened to any of you MSE? because the fund…
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30k...
OK I've got 30k to invest, it's my life savings. I'm wondering what's the best thing to do with it regarding investing in any way. If anyone could help I'd be grateful. Thanks. :D
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fund choices
i'm sure its been asked before so apologies but which funds are people investing in and why? just trying to learn why people pick particular funds ;) thanks
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Help, Best saving option for 1 year
Hi, I posted a related add on here and I can't find it now. My name is Scott and I am a student, and have 3500 pounds which I want to gain the most interest over a one year period. Is this account the best one for me?…
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buying in Euros
I am considering buying a car from someone in he Irish Republic, it's only €9000, what is the best way to pay or transfer this amount of money, particularly as the pound/euro rate is so poor at the moment.
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Monthly or Annual Interest Question
Over the last year, I have opened various instant access saving accounts... moving my money when a better one comes out. I always go for the annual interest payment, and now I have about 4 empty accounts where I am waiting for the anniversary for the interest and to close it. How do other savers here handle this? Is there…
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help please on orange shares
A number of years ago i bought some shares in orange and then moved away and didn't change my address with them. I've come back to a new address and have learnt that France Telecom now have taken this over. The company that was dealing with the shares no longer deals with them and when i ring France Telecom surprise…
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A question re: Cash ISA & Fixed ISA Bond
Can i put £3600 in cash ISA and £4000 in fix ISA BOND 2008-09? Are they both tax free?
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Attitude to risk
Afternoon I was just wandering what everyones attitude to risk is and whether you opt for income or growth profiles??? i started out with my S&S isa in 2002 with a low-medium risk. everytime i see charts the more riskier always gets higher returns in a longer term (5+ years). so when confronted by a FA asking me my…
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Im wanting to start saving help
Hi all, im wanting to start saving for that rainy day. I have an alliance and liecester savings account but really only use it to tranfer my money for my mortgage every week (so i dont spend it) I was wanting someone to have a look at my money and tell me what to do for the best. Here goes! This is how much i have coming…
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Best & fastest Savings account
Need help finding a good account where I can save as much as I can as quick as I can and then take it all out later this year. I am going travelling and need to save about £5000 as quickly as possible. Any ideas ?
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What did you do when you wife gave up work?
Hi I was having this same conversation yesterday with a friend, whilst it is always a struggle to go from two wages to one wage, there are obviously things you can to minimise the 'pain'. First step is to look closely at the budget and cashflow, then perhaps to put savings into non-tax payers name (assuming of course that…
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Little Pickle's Savings Diary
Hello all, I know that DFW is the usual place for diaries, however, my situation has changed recently. After a long chat with Mr Pickle, we have decided to use his savings to clear my debts. He has always said that his savings are 'our savings' as they are made up of mostly yearly bonuses from his work. His reasoning is…
