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Cheapest place to buy US shares?
Hey, Just wondering, are there any cheap places I can buy US shares or are they all pretty similar in price? If not i'll probably just stick to HSBC investdirect. Thanks! Matt
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Funds and broker discounts
I have spent some time reading up on Funds and trying to identify the winner(s) and how I can limit charges. On a particular fund that I am inclined towards with a 5.25% initial fee and 1.5% annual fee, Hargreaves Lansdown offer a discount taking the a initial fee to 0.25% and the annual fee to 1.25% (I think, it says . .…
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Advise on my finances - finally in a position to start saving
Hi all, Firstly I hope this is the correct forum to post this in, if not could it be kindly moved? Having secured a "proper" job at last since leaving uni I've just about got my finances in order, and will be starting to save (in the short term (6 - 8 months) for a deposit for a car, and in the future for a deposit for a…
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Where to save £1000 - £2000 a month???
Hi, I am looking to save between 1k and 2k a month for the next year. Neither me or my wife have an ISA so would this be best to start? Also can anyone recommend a decent account to save this much for a year. Thanks in advance for any advice
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confused with savings tax
Hi, I am on Incapacity benefit at the high rate and I have been claiming my saving tax as gross. I will shortly be lucky to have a little bit of money that has been left me coming my way. How do I work out my tax situation? Do I wait to the new tax year and add it all up and then change to net tax if I am over or do I work…
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savings
I'm saving with AXA the cash builder plan is this worth staying with or should I use someone else as the economy keeps fluctuating I'm scared what we would get back in the next 10 years.
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Child Trust Fund - Ethical Investment
Hi MSE, I would be interested to know the best Ethical CTF investment account - it seems sensible that we should at least try to invest ethical when investing into our childs future?? many thanks. guilty mum
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Abbey Fixed Rate Monthly Saver 11 - Closing questions?
Hello, I have a Abbey Fixed Rate Monthly Saver 11 opened 2 months ago, currently with £500 in it, paying 4%. I was thinking about closing it down. I wonder: 1) Is it correct that if I close it down early in the month I will lose less interest? (i.e. If I close it on Monday next week I only had 0.1% Gross from 1 Sep - 8…
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How to invest £30000.
Hi. Yes,we have inherited £30000, but have no idea of what to invest it. Any help will be appreciated. Thank you.
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Structured Products - Kick Out Plans
Any views on these? I can get a reasonable return on a 5yr plan ( 8% + tax free) as long is the FTSE is higher than at the start on any of the aniversary dates and if it is the plan matures and pays out At the end of the term if the FTSE is lower than at the start then I only get the capital back and if it is more than 50%…
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Savings account, easy access, with branches
My bonus for the Natwest esavings is ending soon (still need to confirm if the last bonus is paid end of September or end of October), so my lovely 3.24% (3.14 since mid July) will go down to 1%. I want to move, and I've been searching around, but my main problem is that I'm sick of sending documents over the post. The…
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ISA funds missing from HSBC to Intelligence Finance
Hi all, I opened ISA account with Intelligence Finace on 20/08, the same day I authorized HSBC to transfer current ISA to IF. HSBC did the transfer by chq on 26/08. But because I amended connecting account details on IF welcome pack, they said need to open another ISA account and only sent me the new welcome pack…
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Transferring a Child Trust Fund (CTF)
Hi, We would like to move our son's cash CTF to a provider with a product paying a higher rate of interest. Are CTF's portable like ISAs, and are transfers between institutions effected in the same sort of way? Thanks
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Declaring income on non tax deducted investments
I was recently informed that interest earned on an investment will be paid without the deduction of tax and I will be responsible for declaring the income to HM Revenue & Customs to pay any tax due. Forgive the naive question but how do I go about doing this? This is new to me. The tax on any savings or investments I have…
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Invest £100/M, worth it?
Hi, Basically I have £100 a month which I would like to invest in shares/stocks. I have suffiicient income at the moment to not worry too much about losing the £100/m, so wouldn't mind a riskier option for a punt of higher gains (although it would be great if I didnt lose all my money :) I would be looking for growth…
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Funds held in ISAs as well as pensions?
Ok, here is something I have never understand. Lets say a manager buys lots of shares, lots of bonds, and some property - he is a fund manager of a collective. I can buy directly into that fund and would hold a direct investment. This woukd be taxed as normal. I can hold that fund via a pension or ISA. But now that fund…
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Closing Tesco Internet Account - will interest be accrued?
I have the above account and plan to close it and move my money when the introductory bonus rate disappears in November. They add their interest annually in March. Can anyone tell me, if I close the account before March, are they obliged to add any accrued interest at that point? Many thanks.
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Is my portfolio unbalanced
I have 7k left on my mortgage, expect to be cleared mid 2010. I would like to buy a modest property in Portugal within 3 years. (I am 50 years young) Currently I have £32,000 in Cash ISA, (22 + 10) and £12,000 in a Tesco acount. I have £10,000 in employer shares. Two small endowments of about £10,000, 3 years to maturity.…
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Regular investment advice
From January next year I will have around £1,000 to invest each month. Sense tells me that I must fill my current year's ISA, then fill next year's ISA allowance which will take me to about August 2010 or thereabouts. Does anyone have any ideas what to do with the money beyond August next year to get the best return on it?…
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TD Waterhouse transfer - have I been ripped off???
Roughly a year ago I bought £500 worth of stock on Hoodless Brennan sharecrazy. Yesterday i logged into my new td waterhouse account for the first time and my portfolio was completely empty. has anyone else experienced this? i fear my stock is gone, and when i phoned td waterhouse, the guy was most unhelpful saying there…
