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Which Index to track?
Hi All, I'm thinking of putting some money in an Index Tracker (part of the money will be within an ISA). Any views much appreciated please, especially with regard to which Index to track; I am currently considering the FTSE All-Share Index. Many thanks. Brian.
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Lloyds Hbos merger
Hi all I'd appreciate some advice again please... I have 30k in Halifax and 30k in Lloyds. Now they have merged the combined total is more than the 50k guarenteed by the government. The trouble is my money is in fixed rate accounts and I cannot break these without losing interest. Do you think I should break the accounts…
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Solicitors/Accountants. Client monies safe?
In the dim and distant past I worked for a firm of solicitors. At that time, whilst individual client monies were kept seperate from office monies and individualy allocated to each client within the firms accounts, the clients money was kept in a single account at the bank if there was not enough time, for cheque clearance…
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Vesting pensions
can anybody advise on if it is wise to put some money into vesting pension with Standard Life?
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Worried about inflation killing my savings
Hey all, I have built up some reasonable savings and am worried that inflation will kill them if inflation increases soon. I have looked at Gold but it already seems pretty expensive. Anyone got any suggestions? Cheers
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Should I sell my Lloyds TSB shares now?
I have some shares in Lloyds TSB and was thinking of selling them. Is it a good time to sell them? What do other people think? I just think it might be better to have the money so to speak than in bank shares at the present time.
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Has Robert Peston Worsened the Credit Crisis?
Hi For a job interview this week I have to do a presentation, the topic I have chosen is the above. I was hoping for some thoughts. I have been researching the banking crisis of the early 1970s where information regarding Nat West was closely guarded and it makes an interesting comparison to todays abundance of leaks and…
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A generous gift
My two year old son was very fortunate to be given a cheque for £5000 on his recent birthday. As you would expect, this means nothing to him, but it has given me a bit of a headache. How to best invest it? I have already opened a stock market based CTF All-Share tracker with F&C, which receives an additional £25p/m. This…
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Joint savings?
Hello. Looking for a bit of help really. I've had a search around the forums but can't find any relevant information. I've been trying to set up a joint savings account with my partner for about four months now with Natwest. After chasing and not hearing anything back from them, I've given up and I'm looking for another…
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Abbey eSaver Direct Previous Rates
Does anyone have a list of the dates when the rates changed from last summer when it was 6.50% (including bonus)? I want to calculate how much money there should be in the account. Just called customer 'service' but basically all they do is to look on the Abbey website! It only lists the change in December but nothing…
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RBS Shares
Hi all, I have a few RBS shares, but what will happen to them (and their value) if the government take full control of the bank and nationalise it?
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Post Office Bonds with Bank of Ireland
As the Post Office have written to me to tell me about changes to the compensation arrangements will this allow me to close my account and take interest up to the closing date as the terms and conditions have changed from the ones I entered into last September? Or should I try not to worry and stick it out until until this…
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Are there NO 'safe' banks?
I see today that the Government is having to pump even more of the taxpayers's cash into the banks. Is there not at least ONE bank somewhere who has run their business efficiently without exposing themselves to the global financial situation. I did think HSBC were fairly stable, but now even they seem to require an…
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reclaim tax on interest for non-resident
Hi everyone I'm in the UK on a student visa and I decided to open a high interest bond with HSBC with whom I also have a student account (and some others). For all my older accounts I have an R105 with them and they pay the interest gross but sometime in the past few months they decided to not accept the R105 on new…
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Child Trust Fund help please
I current have 2 CTF's for both my daughters and are invested in shares, just got the statement for my 2yr old and the value has plumeted from £250 a year ago to £160 , not sure what my 5yr old's is worth as i havent checked as yet. Would it be worth pulling these out of a share invested scheme and put into a savings…
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B & B £100 penalty
My 80yo mother had savings in B&B with 4 month notice which she gave in August. Las week she asked me to take her to withdraw them. She was told there would be a £100 penalty for not collecting the money in the dates they said were in the passbook, or give another 4 months notice. She can hardly read and does not recollect…
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bass plc
GOOD EVENING I was wondering if any one could help My late mother had 175 ordinary shares in what was Bass Plc Ive found out that bass was either sold to ,changed name or split into something and keep coming up with the interconternetal hotels group & mitchells & butlers but what happen to the shares. I doubt they were…
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Finally! Instant access, govt backed AND 5% return!
I have found an investment which guarantees a 5% return on capital each year. There is no limit to how much you can invest AND it's fully government backed. There is only one catch: It's North Korea. http://www.korea-dpr.com/services.htm Go on Martin, give it the thumbs up! :money:
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SAYE AND BAYE - Supermarket
I work for a company where you can do Save as You Earn (Up to £250 per month) and Buy as You Earn (Up to £110 per month) I am tempted to do BAYE...is it worth it...says you don't pay NI and Tax on the shares bought....however you do if you cash in within 5 years?....is it worth it? Should I just save in an ISA instead? I…
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NS&I Bonds question
I've been reviewing our savings and need to move some money from poor paying accounts. The rates on the NS&I growth and income 1 year bonds look favourable, but I don't understand how bond accounts work. Any views on these accounts would be appreciated. Mannie
