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FUNDS vs SHARES
My son is telling me that Shares will give me a better return than funds, with the market being what it is at the moment. Can anybody tell me if this is true? My IFA doesn't seem to think so, but he's broker does! Funny that
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RPI today - any predictions?
Since I guess more than a few here have a vested interest. With food inflation at approx 5% in a MONTH you'd expect it to jump up, although the ONS will probably say that it's fallen because the price of tickets to see Robbie Williams isn't as high as when he was popular.
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Microsoft Money - Online Services
Does anyone have any experience of updating Microsoft Money via the internet with the transaction details from their Banks & Building Societies ? Also, is there a URL anywhere that lists which institutions support which format ?
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PEP's and ISA's
My husband and I both have a number of small PEP's and ISA's, usually using thetax free threshhold each year. Our financial adviser is saying its getting 'too messy' to keep a handle on everything and suggests we use the tax free wrapper and move it all into one investment. He's suggesting we join 'Transact' and move all…
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scotish widows mortgage offset account - any good?
hi there all - just remortgaged with scotish widows (tracker, discounted for 2 years, no penalties at all, repayment mortgage). they have an offset account wich seems interesting: http://www.scottishwidows.co.uk/bank/mortgages/flex_how_offset_works.html if i understand it right, in real terms any money i have in my savings…
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Savings Account with Cheque Book
I need to set up a Savings Account but with a facility to issue cheques to 3rd parties directly from the account - does anyone know who would offer this facility at a reasonable interest rate ?
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Lump sum over 35k, how/where to split it up?
Hi, I'm coming into some money which will most likely be over 35k. Part of this money will be used to pay off around 10k's worth of debt with CC's/Bank loan etc, the rest I will use for a deposit on a house. I'd like some advice on what is best to do with the remainder if it's 35k or more and would only be put away for a…
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Saving Help
Hi , I have £9000 to save, option for fixed term is possible but want to know about any other good/better options i have? Thanks in advance!
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KAUPTHING EDGE Money transfers
When I move money between Internet banks I usually do it on a Sunday evening. I arranged to move a large sum from Kaupthing Edge last night and it said that because it was after 1pm it could not be done today the 12th May so I had no choice but to enter 13th May for the transaction to take place. On the last page of the…
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HSBC are trying to blackmail me (badly)
ill try and keep this brief. i have an ISA with hsbc that has taken 5 years to accumulate 15k cash. i went to the bank at tax year end as i do every year to ask that they pay the lump sum annual interest to a different account. the girl wrote out a slip and asked me to sign it (as they do every year) and i signed it…
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A+L - minimum payment
I just opened a Premier 21 (£50quid cash back) account in which there is 10% however there isn't a £500 minimum monthly pay in but your own decided pay in. I put in £100 and i think i missed the call earlier off them. If i withdrawl £100 and then put it in the next month would this be ok? I do have £100 pounds to put in…
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Natwest are really getting on my t**ts
Transfer of ISA requested 10th April from NW to A&L for the £3021 in there. 3 weeks go by no news, no movement Recieve letter from NW stating they stopped transfer because my signature is/was different. I have had the same one for years! Send letter back to NW again signed No answer for week now--- phoned them up, deny…
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property funds
some of you may remember i have lodged a complaint with the FOS which unfortunately has not been looked at yet as they are very busy, part of my portfolio is in Standard Life select property and Norwich Union Global property, i switched both of these to temporary cash funds within the companies as the price was dropping…
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Premium Bonds - No Certificates
Ok I have some premium bonds, no idea how much, I have no certificates. However, I got hold of a slip which had my name and old address on it a a year ago, and I updated the details with them. I have the 'change of details form' which has all my info on and my holders number. Now I want to cash the premium bonds in.…
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Icesave minimum amounts
Hi everyone, This question has probably been asked before - apologies if it has. Most (if not all) Icesave accounts specify a minimum opening balance (such as £1000 for the ISA or £250 for the easy access savings account). That I can understand, but I was wondering what happens if you open an account with Icesave with at…
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HiSave duplicate deposit transfer & penalty
I opened a ICICI HiSave saving account a few months ago and recently made a £6000 deposit into that account from my current account by placing the request from the HiSave online banking facility. This took about 5 days to complete. Apparently i've now been charged £25 by my bank (where I hold my current account) for not…
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Nationwide FlexAccount - BACS out?
Hi Rather than hijack the other NW thread I thought I'd start a new one. Does anyone know if you can transfer money to an account at another bank via BACS? My parents have twice tried to transfer money to the smile bank but on each occasion they were told to take out the cash from NW and pay it in themselves to smile, or…
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Nationwide FlexAccount
I recently applied for a Nationwide FlexAccount because I travel a lot and need local currency cash. But instead of receiving a debit card I received a cashcard, I don't see how I'd be able to use this abroad for payments/withdrawals as it's usually chip&pin. Any ideas? EDIT: I apologise for putting the thread in the wrong…
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Kaupthing Edge - payment date of interest?
Can anyone with a Kaupthing Edge Savings Account advise at what point in the month interest is paid? The related Terms & Conditions mention a monthly "Interest Payment Date" (point 16.1.2) however what this actual date is appears unspecified...
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closeing an online account account question
hi, Could you tell me what is the best way to close an online saving account is. Thanks.
