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I am wetting myself cos gold has breached $900 !!!!!
:j:j:j:j:j :T:T:T:T:T:T:T Now where is that crate of champagne ?:eek: :beer::beer::beer::beer::beer:
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interest rate calculation
Please can someone work this out for me? 1 yr Fixed rate bonds 6.81% gross/AER what is net? 7.01% gross/AER what is net? I am a basic rate payer. Thanks in advanced
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savings calculation
http://www.halifax.co.uk/savings/fixedwebsaver.asp hi, can someone tell me whether i have calculated the interest accumulated correctly (this is what i'm unsure of) for the above: i am after the five yr term at 5.48 net (i intend to invest £5000). thanks all:) I have the total after five yrs as £6528.61
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Savings or Investment or Pay off Debt?
Hi, I'm a regular reader of Martin's articles and am particularly interested in people's opinions of how best to go about handling a small amount of money I have monthly. For a bit of history, I currently have no debt accruing interest - it is all (about 1k) held in 0% credit cards which I have a plan to pay off or…
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Help with Gross P.A/AER savings?
Hi guys, Im totally useless at numbers and im trying to understand if my savings account is any good. Ive just opened an Alliance & Leicester Premier Current Account and a Plus Saver account has been opened up along with it. Im just trying to understand whether the rate is good or whether i should put my savings elsewhere,…
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Northern Rock E-Saver
:think: I apologise if this has already been raised elsewhere. As you know, Northern Rock is a pretty safe place to put your savings (right now anyway) but, doesn't pay great interest rates. As I already am with them, I found out that they have just started offering a new E-Saver account today at a 6% rate. If you want to…
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£9000 to invest for 13 months
Hi, Apologies if this seems like a really silly question - new to all this! I have £9000 to invest for 13 months - where should I invest it to get the best return from it? It is between my other half and myself.
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Abbey are useless
I have a tale to tell! I used to have an account with Abbey National when I was a teenager and when I went in there the staff looked at me as if I was a criminal so I vowed to boycott them forever. However, I recently decided to bite the bullet and tried to open an ISA with them online. I heard nothing for 2 weeks so I…
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My Pension Funds - Your honest opinions please!
Hi, I've recently taken out a company stakeholder pension. Its a Friends provident pension annd my fund selection and allocation is as follows: BGI Balanced Index (10%) BGI European Equity Index (15%) BGI UK Equity Index (5%) Friends Overseas (15%) Friends Pacific Basin (30%) BGI Global Equity 60:40 Index (25%) I am 30…
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Morningstar missing funds..
Hi I have started using Morningstar's website to look at funds. Does anyone know why Sarasin's Agrisar OEIC is not on there? Thanks
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help with shares??
hi, i'm sure someone here can set me straight...... I bought some shares in an irish corporation on Monday. I used a UK broker and bought at £14.05 per share. They are now saleable at £11.00 ish after a coupla days. I understand the risks etc so the decrease in value isn't my big worry. The Euro price originally was about…
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Advice needed please - share dealing error
I’m hoping for a bit of advice so I’ll try to keep this brief I hold a number of shares in a particular company and in 2003 purchased some more (3000). I received the share certificates and sold them in Dec 2006. I thought no more about this until I was doing some ‘balancing the books’ today. On first sight my on-line…
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anyone else have a big amount in A&L esaver?
Hello I have some money from a house sale - 130k - the full lot is sitting in my esaver with a little bit in their ISA. Ive been reading the last few days that A&L's new name is A&E... and obviously worried. I lose interest if i withdraw money before July... does anyone think they may collapse in the next two months. Can…
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ICESave/ICICI Statements - Paper or Pdf Web mailed?
Hello, I understand when opening and operating an ICICI savings Hisave account, you do not recieve any postal paper hard copy statements, which is great to prevent fraudulent activities. When you open a ICESave account, do you recieve anything by paper hard copy? It states on their website that you recieve a statement once…
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E-ISA Accessible and operate able from abroad
Hi, I am maybe planning on doing a bit of travelling soon, I was maybe planning on opening a Nationwide two year fixed rate bond, good rate, safe, back date interest on transfer, track it over the net online, pay money in online. But you cannot withdraw money online. So you must walk into the branch to take money out, so…
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CGT Taper Relief
Let's say I've owned a second home for 20 years. I'm about to sell it and realise a capital gain. Because I'm selling it now in 2008/9, does that mean taper relief is not relevant? Is it a simple calculation of selling price (less selling costs) less orginal cost less PA £9,600 and then 18% thereof? Is all the taper relief…
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Index-linked National Savings Certificates
Hello, I was thinking of investing in Index-linked National Savings Certificates.The only reason, is that I recieve working/families tax credits.So any interest earned elsewhere is deducted from my credits.Can anyone offer their opinion on this.Can anyone tell me what the current rate is for these certificates including…
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Is it possible to have a new ISA open, NOT FUNDED , prior to the 6th of April??
Please note my username - this should imply that my knowledge of all matters financial is somewhat limited and is why I am an avid fan of this website - Big Thanks to Martin!! Anyway my question is:- Would it not be beneficial to all concerned if new ISA's (for the next tax year) be opened (money laundering preventative…
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Current account or ISA
My current account pays me 6.1% and my ISA pays I think its 5.35%. At the moment I tend to transfer the interest I earn from my current account into my ISA as I can't afford to put away any real savings but have over the last couple of months noticed I have some money left over before payday. Would I be better off…
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Buying less than £100 premium bonds
I was just looking at the NS&I website. It is minimum £100 investment for premium bonds, except if you pay by standing order. There is a standing order form on their website, making payments to sort code 10-20-03 (Bank of England) account number 22577157 with holders number as reference. I was wondering if it is possible…
