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Coventry BS 1st Postal - suck and slap already?
Couldn't help but notice that the 3.3% headline rate is now 3.0% in Moneysupermarket. Having just transferred from A&L's 3.15% I could be somewhat aggrieved at the pretty early drop in this rate. Does anybody know if they've just reduced the bonus or have reduced their variable rate, in which case previous deposits will…
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F & C Fund cash or keep?
I have some money in the F & C FTSE 100 Tracker Fund. It has gone down over three thousand pounds in the last year and I am wondering if I should keep it or take the hit and cash it in. I took this out when I was in early 20's and am now mid 30's and a bit confused financially, any help appreciated!
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My ASTRONOMICAL personal debt level - yours?
This is about debts that are universal, and not just in U.S. dollars or British Pounds. I wasn't sure if it was okay to post it here. Feel free to move or delete. I read an interview of a self-described, self-made man. Asked whom he felt he owed for his success, his reply: "I never had ANYTHING handed to me. I don't owe…
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New Principality 3 Year Bond
The Principality have launched a three year bond offering a rate of 4.55%. While not quite as good as West Brom's Three-Year, I think it's pretty near the top of what's currently on offer. Details here.
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Derren Brown - FTSE prediction
A few months ago, I asked for help on this forum to predict the lowest point the FTSE would dip to before recovering. The motive was to get a result based on the "wisdom of the crowd" theory. This is the same theory which Derren Brown claims to have used to help him determine the most likely numbers to predict the Lottery.…
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selling shares
Hi all, I have been asked to post this on behalf of my father who does not use this site and as I do not know the answer to his question directly, I was hoping that someone could advise or at least point me in the direction of someone who can. Several years ago my father purchased a substantial amount of shares in a…
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Saffron Building Society Goal Saver - 2.85% with rate guarantee
http://www.saffronbs.co.uk/savings/display.product.php?categoryID=6&category=goal&productID=gb1 2.85% variable with instant access - not a bad rate in any case - but the rate guarantee could make this very useful if the BoE rate goes up: Rate guaranteed to be 2.35% above BoE base rate until 31 August 2010 I'm not sure what…
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Isa advice
I opened a stocks and shares Isa with the Halifax about a year ago, and save £150 per month into it. Should I leave it in and keep paying in there or reinvest it somewhere else? I have not started a new Isa this year as can only afford to save the £150 per month anyway. Should I be looking to take some out and put in a…
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Nationwide Regular Saver - ditch or keep?
I opened a Nationwide Regular Saver when it first came out. Originally limited to £250/month it recently increased to £1000/month. I now have about £13000 saved. Originally the rates were very good and competitive - there's no introductory bonus that runs out, no restrictions on moving money about that would penalise the…
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Alliance & leicester online saver issue 5
Please help clear up my confusion. I opened this account soon after it was released but on checking the A&L website it now states an opening balance of £1000 is required. I am sure it originally required £1. I certainly opened mine with £1. Have A&L changed the terms of this account or did i misread the conditions. Does…
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Exchange Traded Funds - Recommendations?
Hi all, I've been looking at investing in Exchange Traded Funds lately. I've read the basic guides on the internet. In addition to the original index-tracker funds, I understand that there are a number of alternative versions going around (e.g. 'shorting' indexes to benefit from losses, 'leveraged' versions which double…
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Capital Gains tax - help with please
Hi everyone, hoping someone can help me with my question please? My husband has recently lost his Dad and we are currently in the process of selling his Dad's house. The proceeds are to be split three ways between the siblings with approx £50K going to each per the will. As this isn't any of their main properties, will…
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When is Halifax Guaranteed Saver Reward as Halifax Guaranteed Saver Reward?
My mum is an 88 year-old widow. She has all her savings with Halifax since there's a branch close to where she lives. She wants to keep all her money there but is not financially savy. My sister lives near by, whereas I live a fair distance away. So, when my mum stayed with me for a few weeks during the summer, I looked at…
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Info needed about tax, interest & savings
I put my house on for sale a month ago and found a buyer. The completion date is in a few weeks. I was wondering what to do with the money from the sale as I will be renting for the moment. I currently receive tax credits. Will they be affected by the amount of savings I have? I plan to put the money from the house into an…
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Best 1yr fixed rate (or 2 yrs at a push)?
Okay please don't jump on me for not doing my homework! I have a FRSA with Derbyshire paying a very nice 6.75%. It matures on 30th Sept. Last year I got a letter around 15th August setting out my options and decided to stay with them. This year it got to 1st Sept - no letter. I phoned a couple of times to be told not to…
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regular savings with barclays (1 year)
Hi all, I've been saving £250 every month for a year with barclays regular savers account. I think it was at 6% (haven't got the bumf with me) I've earned approx £93 - is that right? I know it's not 6% for the full £3000 over 12 months, as the money accumulated over the 12 month period. But does that sound right - £93!…
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Percentage of Gilts in Portfolio
I have a cautious to medium attitude to risk. I am trying to build a completely balanced portfolio and am at the final stages. I am looking to add some gilts funds. One that looked promising is.... Allianz PIMCO Gilt Yield What do viewers think of this particular fund and is Gilts a good investment at the moment?
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Which is better - 5yr fixed bond with Northern Rock or Skipton
Hi - Which would give the best interest overall? The 5yr fixed bond at Skipton for 5% [http://www.skipton.co.uk/savings_and_investments/bonds/fixed_rate_bond/disclaimeri.aspx] Or The 5yr fixed stepped bond at Northern Rock for 4.25% (yr 1), 4.50% (yr 2), 5% (yr 3), 5.50% (yr 4), and 6% (yr 5)…
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What does it mean when banks offer "bonus rate"?
Hi everyone I currently have my savings in an ING Direct account, which used to have a very good interest rate. Obviously, like just about everywhere else, their rates have plummeted recently (for existing customers at least) so I'm looking to see what better offers there are out there. Please forgive my ignorance on these…
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FSCS want Power Of Attorney re: Icesave
Anyone else still waiting for their icesave payments get this FSCS letter? Is it all kosher etc? Power of attorney is a pretty drastic thing to sign away. It says 'only in respect of matters relating to this claim', but still... Need to find myself a witness now. SC. Edit: P.s. Sorry - this might be better off moved to a…
