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lump sum and regular money to save
i have been paying £1700 month into my halifax guaranteed saver at 6% but that rate finished on 10th November, i am looking for some guidance as where to put the lump of £100,000 and the £1700 a month, the children already have the halifax £100 month regular saver by each parent (2 kids, 4 accounts), i also have a barclays…
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Investing in PM's to beat inflation?
I read an article on the citywire website today titled "Are you preparing for inflation" I am busy shopping about like many folks for the best fixed rate for my capital, but according to this well written and apparently well thought out article, not to mention many of the equally considered replies to it, inflation is…
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Halifax did not action R85 - advice?
Hi, An R85 form was submitted after opening a Halifax Fixed Rate Websaver. Received a letter detailing interest to be paid on maturity, which was with tax taken off - unfortunately this letter arrived after the date of maturity. It seemed that Halifax had not actioned the R85 resulting in only net interest being paid,…
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Adding to an ISA.
I apoligise if this thread has been written about elsewhere. I have a ISA which is 'full up' and due next March. Can I leave it where it is and add the next new full allowance to it in April 2010? Can I keep on adding to it year by year? If so, if the rate drops with my provider can I move all of it to a different provider?
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Savings account for my baby!
HI All, i'm stumped. i want an account that can accept a lump sum + a monthly payment so i can start saving for my baby. it seems the good deals on a lump sum - ie ns&i don't allow monthly payments. and the good deals on monthly payments don't allow starting with a lump sum. i'm not a huge fan of the child trust fund as it…
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Chiltern Gold Mine Issue 3 - 5.1%
New issue from today for those who missed the last 2 issues. Sadly, only one Gold Mine account (any issue) per customer is permitted. http://www.bucksbuildingsociety.com/investments/chiltern_gold_mine_issue3.asp
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Start S&S ISA - Supermarket or Direct ?
This may be a s simple question for many, however I'm a bit confused. I'm looking to open a S&S ISA. I've chosen a product I think is right for me. Looking at the 'Aberdeen Emerging Markets Fund'. I already fill cash ISA allowance and I am happy to take medium to high risk with this in order to hopefully make something.…
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Critical illness cover versus Income protection
I am 49 years old, in full time employment and should I take become ill and go on long term sick I will receive 6 months full pay followed by 6 months half pay. I have been trying to find out about the advantages and disadvantages of both Critical illness and Income Protection cover. I had never heard of the second one…
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6% deals ending - best now without locking in
Hi, My fixed rate deals (6%) are about to run out and i am looking to move my money into the best accounts that will not tie up my money for not more than 3 months. Can anyone advise me what is probably the best option at the moment? I have heard that paying into a regular saver may be good route but i have a six figure…
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Bond security
Do Bonds offer the same security as that for current accounts, savings etc ?
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skipton christmas saver
Hi, I have just checked the Skipton website to see when my 2009 christmas saver will pay out but it has now been superseded by the 2010 saver. Does anyone have the date for the 2009 payout?
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Current Account
Hi, I'm looking for a current account with benefits, I want one with mobile phone insurance and possibly home contents insurance, or at least insurance for my home computer. I don't mind paying a monthly fee. Could anyone recomend a good one? Thanks
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Unreasonable Equiniti Admin Fees
Hi, Last week i phoned Equiniti to request that any unclaimed dividends for my shares were reissued which they agreed to. Today i received 4 reissued cheques for varying amounts. However, 3 of them say that Equiniti have charged an admin fee of £11.50 to cover costs and that it has been taken from the attached payment. I…
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Lloyds RI
Hi i currently own 4000 lloyds shares and was wondering what my entitlement will work out at? all info greatly recieved.
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Joint account (one party outside of UK)
Hi I live and work in Edinburgh. I only save 500,- pounds each month (about 6000,- pounds a year). I'd like to name my brother and mother as trustees in case I die. However, bank of Scotland claims this is impossible because they do not live in the UK. However, I could name my brother and mother who both live in Austria as…
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Nationwide dollar account
When you open and fund a Nationwide dollar account with Sterling anyone know how close you'd get to the days prevailing exchange spot rate.
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website comparing costs of unit trust or OEIC trackers
I can't find a website which compares costs of tracker unit trusts and / or OEICs. From my research trackers with ISA status is irrelevant for me as the dividends are already taxed (I'm a normal-rate taxpayer). Morningstar, fool.co.uk and trustnet are fine, but none seem to list trackers, presumably as the tracker fees are…
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Child trust fund and Engage Mutual Assurance
Please, it might be a silly question, but I am really confused about all the providers for Child Trust Fund. I decided to go for Engage Mutual Assurance for now, but can I change to saving child's account later, if not happy?? With Engage Mutual Assurance I can earn £50 through quidco, which is a good thing!
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Cheapest Execution only Share Deal (for selling)
I have some shares to sell in December from a sharesave scheme at mr divadees woek. What is the cheapest Execution only share dealer? I will have the share certificate so i think that is counted as paper shares but not 100% sure. Any sugestions and prices? I have been quoted £25 per trade from computershare. and as its…
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Natwest - Regular Saver account
I have some questions about Natwest - Regular Saver account. hopefully someone can answer. If I put £100 deposit per month by standing order : 1) Once open this account, what will I get from the bank (eg: welcome package or a letter shows the account start date,expired date,interest rate,standing order date) ? 2) How often…
