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Borrowing to invest
Hi New poster here so any idea's would be appreciated. I am in the fortunate position of being mortgage free, although the account is still open, i can withdraw money at 0.5% above base rate, I was thinking of doing this and investing in a fixed rate bond over two years, it seems simple as i can well afford the repayments,…
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9k to invest - totally baffled!
Hey people, :beer: Ive got 9k to invest and im really confused on what would be the best thing to do with it! I haven't used any ISA allowance this year, so was going to go with £3600 in one of the 3.5% mini cash isa's this week, and when it turns April, put another £3600 in the best deal. That would leave £1800 to put…
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HSBC - Mortgage Offset Savings - How Safe?
Hello All I thought I had a reasonably prudent (if conservative and unexciting) savings strategy with First Direct / HSBC, given their previously pretty good liquidity and capitalisation. But with Friday's share issue news, and yesterday's knee-jerk of the markets, I just don't know what to do for the best. Here's my…
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Does STAN look like a good buy?
Yesterday i asked about HSBC, today i'm asking about Standard Chartered...the reason is i think both banks will benefit from Asian recovery as they have strong presence. The Asians are dependent on some US exports, but are not exposed directly to US sub-prime scam.…
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ISA or Current Account
hiI have a lumpsum of cash available. Normallly on 6th april i open an ISA and put all money into that....But i am wondering if i just open A&L current account (paying 6% interest fixed for one year) and just deposit £2500 into that. The condition is i have to pay in minimum £500 a month. I have some spare cash around so i…
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Name one, just one good alround Bank
I cant think of one bank that provides a good alround service to customers. It seems that if a bank pays goos savings rates they provide less than average services and vice versa I have an Barclays Account that had good internet banking but poor rates an abbey account that paid better rates but has poor internet banking an…
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Very worried over performance of Tracker ISA
I have been using a UK index tracker for my pension plans for approx 6 years but over the last 6 months but it has dropped over £3500 ! As you can imagine this has came as a big shock. Would you recommend staying with it ,or investing elsewhere ? My main worry is not just for now but in 10 years time when I may look to…
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Best place to put some money...
My partner and I have some money (circa £7000) that we'd like to put into savings for the time being - essentially it won't be used, but we may need access to it in an emergency. We will also have about £20,000 to save in the next 2-3 months, once our house sale completes. I thought about splitting the £7k between our ISA…
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Bank Shares
Hi, Tearing my hair out. Have shares in Lloyds, HSBC and RBS. Things seem to be going frmo bad to worse and I've no idea whether to sell (and realise a massive loss) or hold and hope they recouver. I don't need the money now and am prepared to play the long game, however lost money in Northern Rock and cant' bear to see…
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Kaupthing Edge/ing Accounts Witheld Interest
Has anybody else had our problem? We closed our KAUPTHING EDGE account and withdrew the money before the bank crashed. We have just been notified by ING who 'opened an account for us without authorisation or permission' that we have interest from KAUPTHING. They are refusing to return the interest unless we activate their…
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RBS Collective Investment Funds Ltd
I am at present putting £50 per month into the above and to date I have lost over £1200 (I've invested around £4000 in total). I haven't checked what my cash in value is today though; too afraid to call. Shall I keep up with the monthly payments or just stop altogether? On the other hand I have also received a £2000+…
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HSBA buy?
Look like a good long term buy? Tier one will be 9.8%, beating the other dogs.
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Childs Savings & Tax
My Mother is wanting to open an account for her Grand Daughter. She is wanting to deposit a large sum of money in the account. What Tax implications are there in this sinario? Thanks for any advice.
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ISA Season
As it's quite close to the financial year end.... has anyone seen any half decent offers? :confused:
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Investing for Japanese Neice
My brother who lives in japan is going to be a dad come May, and we were thinking about putting some money aside for her when she is 18/21. As they are not in the UK she will not have a child investment fund, what are our options to put some money away for her?
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what the safest way of investing 10k on ftse 100
hello guys, i hope sooner rather than later the market may bottom and i want to invest 10k on the ftse 100 as a longterm ivestment, what is the best way to do it, i have tried spreadbetting but would prefer owning shares or invest in funf of some description that tracks it. any suggestions would be apreciated
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Smiles new rates!
Good grief! Savings account down to 0.50% if you hold a CA with them, but don't worry if you don't have a Current account you can still get 0.12% !:eek: Cash ISA reduced to 1.00% if you hold a CA with Smile or 0.50% if you don't! So glad I shifted my Cash ISA pot from them to NR fixed a few months back.:j
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A&L Online Saver Issue 4 - 3%
Hi folks, Just a quick message to make you aware that Alliance and Leicester have launched Online Saver Issue 4 which is paying 3%. This will be of interest to you if you have some money sitting in an older account which is now paying less interest than this. There are no penalties for withdrawals. The only catch is that…
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Help needed in tracking down premium bonds
Ive just found out that ive got some premium bonds that were bought 25 years ago by my great grandma. She has since died and i dont know how to find out the premium bond details. All i know is that they are in either her name or my name.Anyone know how i can start to track them down?
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surrendering funds
Hi i'm connsidering my options at the moment i currently have funds with Standard Life - distribution life 2 fund and sterling life 2 fund also Norwich Union - balanced distribution and deposit, now i'm considering cutting my losses but my question is i phone through for a valuation today and they give me a valuation dated…
