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ISA or Fixed rate saving?
I have £10K to invest which I don't think I'll need to use in the immediate future. Just wondering where's the best place to put it? I haven't used any ISA allowance this year (not sure of how much I can put in the different types) but I also noticed these Fixed Rate Savings Bonds have good rates! Anywhere else I could…
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Last Minute.com Shares
Being well behind the power curve I've just found out that Last Minute.com shares stopped trading a couple of years ago. Does any one know how I redeem the shares I still have? Any advise would be most welcome.
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Bank of England Base Rate vs LIBOR
Can someone explain to me what the relevance of the Bank of England Base Rate is? I used to understand that it was the rate at which the Bank of England would lend to banks. But if LIBOR (the interbank rate) is now significantly higher than the Base Rate, why do any banks borrow from other banks? Why don't they just borrow…
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monthly or annual interest
Hi, I am planning savings products for about £80,000 capital. I want to be able to be able to review my options in 6 months, possibly to withdraw into a wider range of investments. Is it important to choose monthly interest? Or if I choose annual interest in a no penalty savings account - and close it in 6 months - would I…
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Regular saver ends soon.
Hi, My regular saver with Lloyds ends in a couple of month. I've been maxing it out so should get 6k ish. My isa is full for this year. I have an ICICI saver and online bond. So when it ends where should i put it? I need a couple of sugestions. Which; Regular saver? Which "other" saver? ( Is ICICI good enough to put it…
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Barclays ISA help needed please
Hi I set up a Barclays ISA 3rd April this year (I know, I'm a late one!). On the 22nd April I received the initial letter, and the next day I received the pack. During this time, I went into branch to see why I hadn't received anything and why the money was still in my account, as I'd been told it only takes 14 days to set…
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What to do with £120k?
Hiya, We've recently sold our house, prior to emigrating to New Zealand. The plan is to rent there for a few months, before commiting ourselves, so am wandering what to do with the proceeds of our house sale, such that I can get a reasonable return without paying too much tax? Am reckoning on leaving the funds in an…
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ISA not sure...
Hi, :rotfl: If I invest in a Stocks and share ISA in the tax year 2008 with 4,200 pounds and lets say I get lucky and the shares increase in value to 4,300 pounds can I sell the shares in my ISA account and then re-invest them in another set of shares and not damage my allowance as I have 3,000 in a cash ISA? That is to…
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Best place for £1000
Just come into £1000 i know it is not a fortune but can anyone tell me the best place to put it ?.........i dont mind putting it away for 12 months, i have just turned 50 dont know if i can get anything better for over 50 ?
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Calculating mortgage interest
Ive relocated this post to here: http://forums.moneysavingexpert.com/showthread.html?p=10433773#post10433773 Just a need a moderator to lock this one now.Thanks How is it done?If I take off the interest from my mortgage at the star of the year from the current balance and multiple by my interest rate,it doesnt give the…
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What do i do with £15,000?
:confused: Hello, i hope you don't mind if i just jump in! I just don't know what to do! My dad sadly passed away last year with Stomach Cancer. His illness was detected very late and he died within a few months of diagnosis. He was a very shrewd man who was very good with his finances; to the point that he left me £15,000…
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Which ones best for me??
Hey all, Myself and my fiance are planning on getting married in a couple of years, and are about to start saving, but which account is for us? I would like a high rate interest saving account which i can access over the internet, but have no idea what to go for - any ideas/advice is greatlt appreciated. We dont have a…
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Heritable Bank - who owns them
I am opening a saving account (1 year fixed) with Heritable savings bank but just want to double check who own them. Perhaps I am being over cautious, but I have placed £33K (plus interest to be earnt with HBOS) and want to place a similar amount with this bank. Just want to double check ownership just incase things go…
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Where should a 16 year old save?
My 16 year old daughter has around £1300 in inheritance to put into a savings account and I'd like any suggestions as to where or what product would earn her the best interest rate. She wants to leave the savings in a high interest savings account for the next two years and she would be happy to add a small amount to her…
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Buying Gold
Has anyone put any of their savings into gold ? Is there any good reason to do so ? How do you buy and store gold ? Linden
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Halifax Web Saver: 5yr fix at 6.85% per year
Hi- Haven't noticed these Halifax Web Saver accounts being mentioned before: http://www.halifax.co.uk/savings/fixedwebsaver.asp If you don't mind putting your money away for 5 years, the best interest rate is the 6.85% fixed rate for 5 years. Ike
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I need savings help
Money ladies and gents Have re jigged some finances I will soon have £300-350 pm to put away. I will not need ready access to this and would like it to earn as much as possible. I already have isa's but wondered if there was anything better. Please note before advising - I am NOT a risk taker, so shares/stocks etc are not…
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www.e-gold.com
:confused: Hi Was just wondering if any body has had any dealings with this web site? Was trying to understand how it works? with Gold in such high demand and the price of gold being the way it is at the moment, is this a good way of saving, purchasing etc etc.. Dont know if this is in the right section, but did not know…
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Saving for a house
Hi everybody Seriously need some advice here. Wanted to contact Martin Lewis himself but I don't think this is possible. My husband and I are looking to buy our first house this year. Money experts have said that first-time buyers, or anyone in fact should wait to buy for a few months. While we do this, we would like to…
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Tax Confusion
Hi I have some saving that I have decided to cash in. They have been wasting away in poor funds for some time now. Anyway, one of the policies is fo £29K and there are some others to follow, £7K and £18K. Until I decide on how best to invest this money it will be transerred to my current account. How much can I keep saved…
