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RBS Open Offer ??
I recently bought my first shares in RBS, at 24p i thought it was worth a gamble, they have now sent out an ''open offer'' - what does this mean?? I can see they are offering me shares for 31.75p each but why would i buy them at that price when they are on the market for 24p?? This was their offer: ''The Royal Bank of…
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Existing Cash ISA account - what to do in '09/10?
Hi guys, Been trying to figure out what my options are for the new financial year - '09 / 10 - but found the available info a bit confusing. Wondering if you can help.. I've opened a Cash ISA with Barclays on 7th May 2008 and used the full allowance - £3600. Have made a few withdrawals but still have over £1000 left in it.…
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Halifax ISA
Hi all, I have a Direct Reward ISA with my bank (Halifax) at the moment that I opened in February this year, earning 3% interest fixed for 1 year. (http://www.halifax.co.uk/savings/isa-direct-reward.asp) I have filled the ISA with £3,000 so far and intend to fill it to the £3,600 maximum before the end of the tax year.…
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Brighton Uni flat
Would like a few opinions on cash buying a flat in Brighton. (Mods - do not move please - the house buying board is full of unpleasant people) Relative has to study there for the next 5 years plus most likely another year of practice (pharmacist) Currently renting conversion flat with a garden at £575 + utilities. Does not…
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with profits bonds
have seen my investment with standard life with profits bond lose 30% of original investment in 1st year should I sit tight and hope it goes back up or cut my losses
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I have most of my savings in NS&I
I have most of my savings in NS&I at 5.35 %. This was a two year bond which unfortunately matures later this year. It has been providing a nice £300+ to our monthly income, but come maturity that will drop to around £100 per month. Anyone else in the same boat? What else is out there that can provide a safe monthly income…
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HSBC "Rights"
I have received a letter from HSBC offering me "rights" to a certain number of shares. There is an option to pay cash (they are discounted by approx 47.5%)for them, a cashless take up or to sell the rights. Alternatively I can allow them to lapse and perhaps get a small amount if they are sold. I'm confused ! Does anyone…
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Bradford & Bingley savings account number
Hi all, I recently opened an E-Savings 7 account with Bradford & Bingley. They have not supplied any sort code or 8 digit account number, only there own 12 digit account number. This means i cannot transfer money from various accounts, only the account linked by Direct Debit. To me, this is not normal practice. Why can't…
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Thousands demand banks come clean on savings rates
This thread is to discuss the following news story: Thousands demand banks come clean on savings rates
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Best Savings for 6 months
I am on a tracker mortgage until this September at base + 0.49% and am planning to clear this in full in September. I have £130k - £140k currently in a Barclays Nest Egg account in my wifes name (as she is a basic rate taxpayer) and looking for a better return for the next 6 months. (I have already paid off the 10% I am…
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I know Im silly BUT....
This is my situation: 10k in ISA (1.30%) 21k in savings (1.03%) Earn 35K a year and am Single 44k owed on mortgage (4.74% flexible, interest calc daily) What should I do to get the best out of this? Thanks
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Help!!! - Can they leave me with shares in a company that no longer exists???
Hi Im new to this site and am hoping someone can help me. I have an online share trading account that I have not used in a while, but still had shares sitting in it. One of the companies I owned shares in was Goshawk insurance that was bought out in September of last year (I had about £500 in shares) My broker sent me a…
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ISA vs Monthly saver (6%) Which is best??
I currently have the maximum £3600 in my ISA, but the rates being offered currently, are a bit poor compared to what appears to be available elsewhere.. My plan is.. Leave my ISA alone for the moment, and open up a Barclays monthly saver (which states.... Earn a fixed interest rate of 6.00% AER (5.84% gross pa*) in months…
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Losing thousands £££ Fast! Where to invest?
Hi all, Does anyone know or can help a distraught investor where even my personal IFA seems unsure of what to do now I think?!!! Back in 2007 I was advised to invest the 200K lump sum made from a property sale into a unit linked fund (can I say Axa) "Be Life Confident" (their heading) - I think not! I know we are in a…
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Historical savings rate calculator?
I am looking for a way of working out what interest would have been accumulated over the last 10 years if money had been invested in an average childs building society savings account. I often see examples in letters sent to the press but cannot find such a calculator to do my own workings. I invested some money for my…
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Research into subway franchise
Doing some research into subway franchises and from the information that I have received from subway themselves, to points that I am stuck on within the research is the money that subway take from the franchisor it states they take an 8% royalty for the franchise and 4.5% fee for advertising, I was just wondering if anyone…
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Abbey - worst for customer service
Can anyone suggest the best way to get something done by Abbey. Who to complain to so I can get them to take ownership of a problem? I have a current account but no debit card. As I am disabled I want to use their online services. To do this online I have to have a debit card. I was told the branch could authorise…
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Bradford & Bingley esavings issue 7
Have just started searching for a new savings account and came across this one which seems to be offering 3% pa. This seems quite good to me, but I don't see any mention of it in Martin's best buys even though it has a better rate than some of the others. Just wondered why it's not a best buy? Anyone know if the rate has…
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How has she got away with this?
I'm wondering if anyone has any ideas as to how I can get my money back. I paid some of ny mortgage off and was looking to save the extra cash so I went for a review at the bank. I said I didn't want anything to do with stocks and shares. I already had a guaranteed reserve and felt that I could put so much in another one…
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Royal Bank Of Scotland Group Plc Sub Shares -claim Purpose ()???
Ladies and Gents. Im a total newbie to the world of shares however due to my savings account gaining 0.5% interest on my cash I thought I would have a punt with an amount I could afford to lose, even though I would be gutted if i did. Anyway a couple of months ago I bought £1000 of RBS and a month later £1000 of lloyds and…
