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Don't forget your 2008/9 tax return deadline is 31 Jan 2010.
[title=http://images2.moneysavingexpert.com/images/dp/wtd_underline.gif] What's this all about?[/title] The deadline to file your claim for 2008-9 returns for the year ending 5 April is 31 Jan 2010. If you miss this deadline you'll be charged an automatic £100 penalty. Those that wanted to submit a paper from, the date for…
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Inherited Investment Portfolio
Hi, My partner and his mother have inherited an investment portfolio from his late father, currently worth approx £200,000 (has lost £25k this year). His mother has suggested using an investment management company recommended by her friend and financial advisor (not really sure what his credentials are) which charges a 1%…
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What to do short term with proceeds from house sale?
Please can anybody advise? I will shortly be completing on a house sale, but my purchase is nowhere near completion (I am living elsewhere in the interim). What can I do with approx £200,00 short term (probably a couple of months). I know about the £50,000 protection, so could split the sum between four banks. But if one…
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Tax free status
I have a fixed rate regular saver with Halifax which I opened last January in my 2 year old son's name. It's coming to term in Jan 2010 and I would like to withdraw the money (plus interest) and put it into an ISA. Is this possible without any taxes coming into the picture? Also, in the event that I decide NOT to put it…
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SAVE in the UK or SA?
hey all, I have dual nationality British / South Africa and am wondering wether to shift my UK savings to a Cash ISA. If so it'd probably be Northern Rock as they have the best rates of 3.5% which increases by .5% every year to max of 4.5% OR should I move my savings to a SA Bank account were I can get 10% interest to…
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Voting online in proposed Yorkshire-Chelsea makover
You can vote immediately online in either ballot as soon as you receive the voting papers - which includes a unique two-part printed 'Security Code' Yorkshire members go here: https://secure.votebyinternet.com/sgmyorkshire10/default.asp Chelsea members here: https://secure.votebyinternet.com/sgmchelsea10/default.asp
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AWFULL AWFULL Citibank
Switched my savings on MSE recommendation... CITIBANK IS RUBBISH FOR CUSTOMER SERVICE !!!!!!!!!!!! Online only allows payment to 1 nominated account - very restrictive Their website invites creation of new payee accounts then says - "not valid" without informing you of this restriction - not helpfull Call center is in…
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Where to save 2000 a month
Decided we will pay off the mortgage on 30 December 2009 and am wondering where to save approx 2000 a month. A bit of background Not a UK resident so dont pay tax in UK or my present country. Age 50+ Have been paying max into pension for last 30 years Already own property to rent in UK Have home in UK Nothing outstanding…
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How Safe are Nominee Accounts
Not sure if this has been covered elsewhere but here goes' How safe are Nominee Share Trading accounts? given that any shares you hold in a Nominee Account are not in your name. So if like your online dealer was to go bust how do you; 1. Prove that you are the rightful owner of the shares you have purchased. Presumably…
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A+L Online Saver
I opened an A+L Online Saver Issue account back in October with £1, then a few weeks later put £1000 in. In the account details it said u need to open the account with minimum £1000, to get the 3.15% rate but after that u only need £1 to receive that rate. My question is am I getting the 3.15% rate? Thanks
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CTF Question
Hi, I need to do something with my babys voucher. We have decided we'd like to take a bit of a risk with this money as we are putting money aside monthly for her in another account. Someone recommened the F&C Private Equity Trust or the Graphite Enterprise Trust ? Are these still ok...or can anyone make a recommenation?…
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This Forum's got boring - how about some Carols
One to get you going - to "Away In a Manger" (if you try hard) -You can do better !! :rotfl::rotfl: We gave em our money For them to keep safe The bankers they lost it A bonus to make. They gambled unwisely On certified debt Triple As, that were Junk bonds But looked a good bet..... As the banks came a tumbling Kind Gordon…
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finding the right IFA
Help I work for NHS trust they arranged a seminar for people close to retirement, the company offered there services which included IFA. I agreed for one of there IFA to come and visit us. the guy has been taken our details and will be contacting us shortly with his advice. The card he gave us has his name on but I cannot…
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When is a fixed monthly saver not fixed....
When its a Lloyds monthly saver fixed interest saving account. Seriously I remember when I opened the account in March it was 4%. Then around August/September time I went into my local branch to be told it was 5%. And today checked online to find it was 2%. So went into the branch today to find out exactly, the lady…
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Stocks and shares ISA's????????????
Afternoon, Silly question time, can someone tell me the different between, income, growth and capital funds. Which is the best to invest in or a mix, I am jus starting to invest in the stock market. jus doin some homework before choosing a fund and risk level, am after a IFA, fund manager to do the work for me? Had a look…
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Index tracking funds
I am a 26 year old accountant living with my girlfriend (renting) and I’m thinking about starting investing in the stock market. The plan at the moment is to create a second income stream and/or to diversify savings. I’m not really after any significant risk or return, and I don’t want to spend a lot of time reading…
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Online Share Dealing Currency Error Help !
Greetings to all, I hope some of you can offer some advice or comments on my issue below. As a casual online trader, i recently made a trade on some currency via one of large UK banks and as it turns out at that particular moment the currency value was very much in my favour, which in turn provided an almost seven fold…
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Halifax ISA Intrest Rate Shock
Hey need some advice on my ISA please. I was just fully exploring my online account for my ISA with Halifax. I found the section where it shows my intrest rate over the time I have had the account with the.. The intrest drop has really shocked me and now I want to move my money somewhere I will get the full potential. Just…
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Barclays are closing my ISA, why?!
Hi there In 2007 I opened the best cash ISA I could,which was Barclays at the time. It was very popular and this sites best buy. Anyway, I have not touched it since, and I don't bank with Barclays so had very little to do with it. Until Friday.... A letter arrived saying that Barclays are closing the account and I have 14…
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how easy is a crest transfer ?
I've got paper certificates for shares I own after a few years of company share schemes. And I have recently started using Selftrade for share dealing, plus a self select ISA. I would like to transfer in my existing shares, to my dealing account as I know I cannot put them into the ISA, and just wondered if anyone has done…
