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Help!!!
Hi,im new to this forum thingy so please bare with me :) . I need to decide what to do with my 9month old son's CTF. Im unsure where to put it and theres also the added confusion of extra money being added. My other 2 children have inheritance funds,one of which will clear in April 2011 when my eldest turns 21,and the…
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Bank Madness!
It all started on the 6/4/10 when I phoned Barclays to transfer my Golden ISA to their Golden ISA issue 2. The woman at Barclays said "you cant transfer unless you open a current account". I reminded her that I had a current account with Barclays untill they closed it just weeks after using it to open the Golden ISA the…
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how to find out whether you should pay tax or not??
One on behalf of my mother this. She's unemployed due to medical conditions. She has one of those driving disabled badges & has been out of work since 2003. She has some, but not much, income. How does she go about finding out whether she has to pay tax or not? The point came up when i was talking about ISAs to her & then…
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Closing an ISA
I know the golden rule is to never close an ISA but transfer it, but is there any major reason why not if its a relatively small amount of money? My husband has an ISA from last year with Barclays currently paying 2.55% and there's just under £1500 in it. We have both opened A+L ones at 3.5% for this years contributions. I…
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maximising savings interest
need advice/opinions of where i should put my savings to maximise the interest; these are the options i've come up for myself £12400 including this years ISA into the 5% ISA from CB ; which will get me £3000+ in 5 years time http://cbonline.co.uk/ this company was posted in another thread yet theres not really much said…
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£1000 to invest for son - where?
Hi, I've been given £1000 to invest for my son for University - he's 14 now so it will potentially only be saved for 4 years. Is it best to put it in an ISA in my name, or is there another option? Don't mind if it's in my name or his, whatever gives the best return. :money: Many thanks!
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ISA or Santander Saver
I have more than £5000 to put into savings, and already have a First Direct ISA which pays 3% interest until November 2010. I could fill up my ISA allocation immediately but recently read on this website about the Santander saver for first time buyers. This pays 5% and you can deposit up to £5000 and then regular savings…
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isa transfere & top up allowance?
If I transfere a previous years isa of £3600 to another provider can I then add £5100 for this years allowance or just allowed to top it up to £5100?
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Where should i invest £20K?
Hi all! I have £20,000 to invest. i was thinking of opening 2 ISA's one for me and one for hubby, what do you guys think?? If i do this where do i invest the remaining £10k.. any suggestions?? Cheers Nat:o
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How to work out the difference on Savings / ISAs
sorry not using my brain but there is too many rates out now i was wondering hwo a user will decide wther to do an ISA or a savings account the isa is tax free wheras a savings is the opposite so what rate will determine the difference/ how do you calculate this thanks
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£200-£250 a month saving ideas
Hi all, I'm looking to put somewhere between £200 and £250 a month (exact figure undecided) and wondering what accounts out there are good? Not too fussed about having to give a notice period for withdrawals, but would like the flexibility to make an extra payment if I'm feeling flush.... Thoughts? :D
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Lost Share Certificate in Novera
Hi, I was a shareholder in "Novera Energy", this company was recently taken over by "Infinis". Unfortunately I have lost my share certificate for Novera. The registrars handling the takeover say I can't get the takeover proceeds without paying 74 pounds for an indemity. Does anyone know if a share certificate/ indemity is…
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What ETF and area would help to balance my portfolio?
Hi, I've got a S&S ISA account with H-L. It has been going since the start of the year and I've been quite enjoying it. I'm investing for the long term and don't need access to the money or anything just want a bit of fun and to see how it goes. I currently hold: Jupiter Merlin Balanced Portfolio (Accumulation) - 1.6K M &…
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Iberdrola loan notes
I have £10,900 of Iberdrola Loan notes I understand that I can redeem at June and December I believe this is so that you can get tax efficiency and capital gains does anyone know what the tax percentage is to benefit from these charges I enclose a statement from a previous poster. basically what I am asking is how much can…
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savings versus ISAs
My OH and i have ISAs which we have just changed to the new 3.5% fixed for 2 years. While we were at the Halifax we were informed that we have some old ISAs, which we had forgotten about, from about 5/10 years ago. The lady couldnt explain why we had not received any annual statements. OH has £68 mine has £14. she has now…
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Want to start saving
I wanted to start saving for a deposit on a house, I know it will take a long time but I am looking to save £700 per month at the moment. What sort of saving account should i put this into or do I put it into a ISA, does anyone have any advice?
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Where is the best account to save £10,000?
Hello, I'd be grateful for any advice. I have £10,000 that I'd like to save in the best possible/ highest rated account. I've already saved this year's ISA allowance. I do not need instant access to the £10,000 so could lock it away for a few years. Thank you in advance. Scotty
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What interest rate is this please? (And better place to put this?)
Old A&L Online Saver Issue 4, balance was a static £2201. Yearly interest (with nothing deducted for tax) was added in October, amount was £27.60. The interest rates stated for this account show.... Online Saver Issue 4 (accounts beginning with 183) £1 - £2 000 000 - Gross 2.50% / Net 2.00% Rates effective from 2 April…
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What to do with £1K per month?
We have the following £166K mortgage at 0.99%, this is the max available and we're paying I/O. £300K in pension funds mainly equities £77K cash in ISAs (full for 2010) £18K S&S ISA (receiving £850 per month during 2010 i.e. MAX) £2K gold £7.5K NS&I 3 year index linked certificates We are married and both 40% tax payers. We…
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Unusual (perhaps) query about the AA online saver
I applied for the AA online savings account at 2.(something)% interest. After 1year the interest drops. It turns out i shouldn't have applied for this at all, or at least not yet, simply because one of my LLoyds TSB accounts will fund my ISA, and the other one still has 2k which can be deposited to make the 7k of the…
