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Can i save my partners money because i do not pay tax?
Hi, Please can anyone tell me if i am allowed to save more than i earn ,i work part-time and do not pay tax. So can i open up a regular saver account and earn the full amount without the tax deducted although it is not my money it is my partners. So saving £500 a month instead of just my £200 for example. We are not…
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Fixed Rate Bonds
From what I understand Fixed Rate Bonds offered by UK banks and building societies provide the same level of FSCS protection as ordinary savings accounts (i.e. £50000 protection). Is this correct?
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Saving newbee with 30k to save for kids -help!
Hi folks, I'm a bit nervous about posting but I do really need some advice. Hubby and I have never been very good at saving but we are about to enter a new era of our lives and I could do with some advice as I find the whole thing very confusing. Hubby (54) is about to get a much longed-for voluntary redundancy and after…
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Isn't HSBC regular saver better than Barclays?
Hi everyone, it's my first post here so excuse me if I'm not quite up to speed with everything. I am looking at regular savings accounts and wondering if someone can tell me why Martin Lewis hasn't listed HSBC as better than Barclays regular savings? HSBC is 8%AER but linked to a current account. Barclays is 6%AER and not…
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Long term savings/pension plan.
Hi Guys/Gals, To give you an idea of my dilemma, my wife(34) has no pension plan. Her work does not offer a works pension only the stakeholders pension. Recently we have been putting £100 away per month into our ISA(Nationwide) and will continue to do this,so far we have £1000 put away. The idea is that instead of a…
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What do i do?
I've got £10,000 to invest for my daughters 18th in 8 years what is the best way forward please?????
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Oil From $50 a Barrel back to $200 ?
Could oil really go back to $200 a barrel? The price of Oil came down quickly, now summer is coming do you think it could go back up? http://www.youtube.com/watch?v=IhXQAJENVxQ
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Investment choice
Hi, I am planning to transfer my s/s ISA from HBOS to a Hargreaves Lansdown managed fund - potentially the 'balanced fund'. I have read that the HBOS funds do not have the best performance. I am 27, so am looking to have a dominance of equity but also some stability in the fund. Looking to invest for 5 years. Does this…
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Which sites are best to find the top rates?
I'm a bit frustrated this week because the sites I use to find good rates don't seem to be keeping pace with the changes. E.g. this site says ICICI are ofeering 1 year fixed rates at 3.9% but on their site it's 3.05%. I could give examples from Money Supermarket and Money extra. I remember a few years ago there was a site…
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Heartford Bond ?
I have been advised by a financial advisor to put a sum of £20,000 in a Heartford Bond or (Hertford Bond) I am led to believe that this is an American company does anybody have any knowledge of them & am I being given sound advise with the financial climate as it is. I am not a person who is prepared to risk my capital.…
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Abbey ISA
Hello, I wondered if anybody could shed some light on an Abbey Direct ISA problem I have had today. My ISA is linked to my current account on online banking, and never had any trouble until today when I noticed that the account was no longer in the online banking portfolio. I phoned them, but got no where. All that they…
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Why are pensioners getting preferential treatment??
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Treasury select committee
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Transfer to natwest e-ISA
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Company Sharesaver
Hi, For the past 3 years I have been saving £200 p/m into a company share saver scheme. This has now ended and my savings stands at (£7,200 + £480 bonus) which buys me 853 shares. I have been offered three options; * Buy shares * Withdraw savings * Buy some shares and take some savings out. The shares were offered to us at…
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Saving for kids - does it have to be a special children's savings account?
I have a few hundred pounds that my twins were given for christmas and their baptism. I want to get the best savings rate. Do I have to open a special kids' account? Can't I just find a normal savings account paying the highest interest and then fill in the R85(?) form so they don't pay tax on the interest? Martin doesn't…
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Clerical Medical Personal Investor Plan
I have a personal investor plan which i took out with Clerical Medical in 2000, for 10years Whilst I only pay in £40 a month, i hope for it to do well. I have recieved the yearly statement , its says Number of units 736 Bid Price £4.88 Fund Value £3590. Now this means not much to me , but as it only has a year left , what…
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Industrial sector confusion
Does anybody know of a definitive system of classification for equities on the FTSE and AIM? I get one thing from ADVFN another from the FT and yet another from The Times. None of these sources can seem to agree on how industries are carved up and/or named even at the first level let alone within a sector. For accurate…
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Corporate bonds
Sometime ago I heard on the Today program about a novel new company. They arrange loans to companies - the consumer invests an amount with them which they then break up into chunks, which pooled with other chunks of cash is lent to companies at varying interest rates. I didn't get the name of the company though - anyone…
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how to redeem a cheque for 3 people
my husband and i have been paying into a maximum investment plan for 10 years with our son named as beneficiary in event of our deaths. my brother signed as witness and trustee should we both die. the plan has matured, our son is still under 18 and the investment company will only issue a cheque to my husband and i and my…
