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advice please-investment bond & tax
Hi folks, I have an investment bond that Im cashing in as we are skint! It has a 6 month derferment on it for one bit of the bond, property allocation. Can anyone help me get my head around what tax I might have to pay in the following circumstances.. A- cash in the bond completely in 6 month time B-cash in the other bits…
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Aa
looking at taking out one of the AA's investment bonds. does anyone know who ultimately owns the financial side of AA? is it Santander?
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Can I save 30k by Christmas 2009???
So looking at the big picture as it stands before a bill is paid and keeping all thing equal (mainly my salary) is it possible to save 30K by 25th Dec 2009??? The details: Between myself and OH we should receive 50 000-55 000 after tax Rent will be 10 000 for the year Council tax is about 600 Bills - no idea No car but…
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Principality BS - customer services
Since March this year I have been finding their customer services unsatisfactory. I am wondering whether anybody else is experiencing similar delays: I have had an eSaver and Regular Savings Bonds with them for years. During the past few months I have been finding that it takes days until secure messages are read. For…
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ISA fixed or fixed term account
I have money coming back from an Icesave ISA only about 6.5K. Anyway i wanted to put it into a fixed ISA, which i cant find any that allow transfers in (ive used up this years ISA in another fixed ISA).Rates are going fall fast on account now for sure. Now im going to being using the money in 2 years time anyway so would…
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Are they allowed to do this?
I've decided to surrender a policy that I've had for 10 years as I really need the money. I sent off the policy and all the necessary paperwork with it 2 weeks go. I'd not heard off them so I rang up to find out how long it would take and they informed me that it will cost me £2,000 to surrender my policy! :eek: (which'll…
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I need a fixed rate account which I can pay into...
Hi, I want to find an account with good interest. Ild like it fixed, but that allows me to pay in money sporadically. Some months I may not have anything to pay in, other months I may have £500 to pay in (Im selling lots of things on ebay and doing a bit of overtime work). A regular savings account would not suit me (as…
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New e saver here: advice please
Hi - I have only ever saved money by going into a BS branch. I will soon put a cheque from an inheritance into my Halifax current account [£28k] but would like to put it into an internet fixed rate savings account asap. Has anyone the patience to go through the process with me from start to finish? - letting me know how it…
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monkeydog's appreciation camp
My first shout out goes to that bushy eyebrowed saint Mr Darling, who guaranteed our money was safe way back in october. :beer: 2nd tribute goes to the gods that are FSCS for handling it all extremely well. :beer: Oh, and i can't forget the taxpayer for making this all possible. Even if in a round about way i've help with…
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HSBC Regular Saver account question
I am thinking about setting this account up (my current account, cash e-isa and mortgage is with HSBC) and wonder if it is worth paying the extra charge for the HSBC plus account (£12.95 monthly fee) to get the extra '10% AER/gross fixed for 12 months' or just stay with the standard '8% AER/gross fixed for 12 months'? I…
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Pound collapses on dour BoE report and prospect for lower rates.
Seems most people on this forum do not care if the pound drops to parity against the euro and dollar ! Anyhow just wanted to let readers know whats happening to their currency courtesy the Brown, Darling & King trio.
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ICESAVE refunds: which account(s) do you hold?
Apologies for starting yet another poll which will most likely prove inconclusive, but please humour me in this time of deep frustratio whilst we're waiting to receive our second emails :p ;) It occured to me earlier that they might possibly be selecting people based on the number and type of accounts we hold, therefore…
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What to do with the Maxi ISA and CTFs, in the current climate?
Hi, at the risk of looking stupid, I still want to ask for advice. WIth the BoE rate cuts and the recession coming up (if not here yet), what is happening to investments? I have a Maxi Isa into which I pay £50 a month (a combination of high and medium risk stocks) and two stockholder Child Trust Funds into which I pay £25…
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Kaupthing breaking fixed term account discussion
Hi has anybody else tried to close there account with fixed term savings recently? its now been 24 days with me :rolleyes: Monday the 20th October is the day i tel to break my fixed term account with Kaupthing Edge (ING) I have also sent various secure messages to say when can i see my funds being transfered to my normal…
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nilrems camp for the disappointed to seek solace!
This is the thread for all of those of us who are annoyed, frustrated, worried and feeling unfairly treated because we are still awaiting the 2nd email yet to comfort each other and seek solace from fellow 'sufferers'. If you are feeling left out at not getting your 2nd email or frustrated please post here at least it will…
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Are the FSCS Icesave Arrangements Fair?
While I'm happy that savers are now having their money returned what about those at the end of the list for the second email? Apart from the additional lost interest, which can be significant, there is the stress and anxiety of not knowing when the second email will arrive - if it does!
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First Direct Savings
First direct have reduced my savings account rate, Everyday e-Saver Account - 2.75% AER 2.72% gross p.a., the best instant access i can get with them...YET their loan rate is still the same (8.9% APR £5k+)!!! The robbing *&%$^!'s :mad:
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Offshore Banking
Hi Everyone, I'm living outside of the UK and, with the rates the way they are and, the fact that I can't open any UK accounts leaves me with no choice but to look at Offshore banking. Can anyone give any advice as to where to bank. I’m with the HSBC, Natwest, and Nationwide in the UK but can’t open new accounts to take up…
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Saving in 6months time...
Morning all, What are your thoughts on saving options in 6 months time? Will there be bonds and fixed term accounts at 2%, with inflation at 2.5%? Will there be accounts at 4% and inflation at 1.5%? what do people think?
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ICESAVE - Money Received
Apologies for another Icesave thread, but just so chuffed that I needed to share the news. The FSCS compensation payments go out as smooth as silk... my transfer of Monday evening appeared in my bank account overnight. I have to say, I'm EXTREMELY impressed with how the FSCS has dealt with this... pats on the back where…
