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Shares sent to me in error
A paper share cert was sent to me by same company I worked for 4 years ago. I presumed that these were an employment bonus that had just come to light. The cert bears my full name but no home address. Someone has called 6 weeks later from the company to say they should have been sent to someone else with the same name but…
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Best way to save whilst abroad??
Hi, My husband and I are working in New Zealand for a couple of years and are wondering the best way to keep up savings plans etc in the UK whilst we are away. We already have ISAs and wondered if anyone has any suggestions for other ways we can make the most of our savings for when we return (in 2 years)? Cheers, Tessa :)
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30K to Invest
Hi all, I'm new here, so please be kind. I've been fortunate to come into some money recently (30K). Could anyone please advise on which investment would be best at this present time. I hope to tie this money up for 4 years until my kids start University. Yelo
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Moving From 3% CitiGroup To Index Linking - Break Even Inflation Rates
This board seems to be full of very useful information... I just wondered if someone can help me with some basic maths - I have a fairly large house deposit stashed in Citigroup earning 3.25% - This rate is going to be reduced to 3% I pay income tax at 20% => My effective rate is 2.4% - Is that correct? If I take out the…
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Shares part of ISA allowance
Hello I have had an ISA ever since they started ,but Ive only ever used the cash part of it .Ive never used the share part of it .This year I put £5100 into Nationwide fixed for 4 years .I have the funds (another £5100) that I could invest in the share part of my allowance .What would be the best ISA provider to use for…
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Index Linking For Dummies...
I have to say that I did not know about this until today :-( From what I ve read you can invest 15K in each 'issue' at 1% + RPI tax free - This makes tpdays RPI rate 5.4% Question: When has RPI ever been less then 3% over the last decade? My hunch is never - If that is the case then these certificates would have been the…
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Savings Interest rate paid calculator ??
I am sure I am not alaone in having far too many different accounts and I am finding that checking the interest rates I am being paid is a pain. Many accounts have short term bonus rates applied and it can be very hard to find out what rate is being paid. So I would like a tool that tells me what interest rate I am being…
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Simple Savings Account
OK me and my partner have a joint account that we put all our spare money into. Out of this account comes money for bills and rent but there is always over £1000 in there. We don't have any cards for the account we simply go in and withdraw money when needed. Just looking for recommendations for an account where we may…
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s&s isa - advice for first time investor
Hi I have a bit of spare cash each month, about 300. I'm interested in investing this in S&S isa for the long(ish) term. I have already put my full allocation into cash isa, paying maximum overpayment on mortgage and without any other real debt. I wouldn't describe myself as adventurous but considering putting 100 in each…
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Are HSBC part of any other banking group?
Question as above,as my dad is looking to open a savings account with the HSBC, but is a bit wary about having more than the safe limit in 1 banking group etc,if they are linked with any other banks/building societies. Any help would be greatly appreciated, with the names of any other banks linked to the HSBC.
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Over The Limit?
Not looking for sympathy - BUT: I stupidly have already used up this tax year's ISA allowance by putting £10,200 into a S&S investment ISA. However, I have £44,000 in a First Direct Cash ISA whose interest rate is about to drop from 3.1% to 0.2% (Shame on you First Direct!). So, I want to transfer it to a Cash ISA offering…
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ING 3% Cash ISA
I have a savings account with ING and they have contacted me to say if I open a Cash ISA with them before 30 April I can get 3% interest (only for the 1st year though). I have a Cash ISA with Scottish Widows for last year but hadn't yet decided who to go with for this year. I think the Scottish Widows one is only 0.6%…
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Where to invest £40k
Hi all, I'm looking for some advice. Due to a recent house sale, and current circumstances, I am about to have £40k to invest. I would be able to put it into an investment for 6 months without needing access to it, and would like to know what would give me the best return at the end of the term. I know a lot of places do…
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Advice Required
Hi All, I have a relative who has £130k to invest or use in a savings account. I've been asked to find out the best options to invest or save the £130k, so the person can get a monthly return or interest payment. They are happy not to touch the main amount for a year. Any financial geniuses out there, please advise, Thanks…
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Where to invest £100,000+
I'm looking for some advice on where I should invest £120,000 this September - taking into consideration the state on the UK/Global economy. I've toyed with the idea of buying a house to let or sticking it in a high interest account (both a 5 year plan) and both give a similar returns over the investment period. However…
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NS&I Saving Certificates
A question regarding the interest rate for the index-linked certificates. If the RPI is 3.4% (I think that's the current rate), and assuming there is no change in the RPI during the next 3 years, (just to illustrate my point), am I right in thinking that the capital invested will earn an interest rate of 3.4% + 1% over the…
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BACS transfer help
Hey, I recently decided to open up an ISA with A&L. I linked it up with my Clydesdale current account and I'm ready to transfer some money over. A&L sent me an email with a sort-code, an account number and a roll/reference number. The account number is 8 zeros, so you need to use the roll number to specify your account -…
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Inflation March 2010: CPI 3.4%, RPI 4.4%
Good news for holders of NS&I index-linked certificates maturing next month, bad news for the rest of us! Link to ONS inflation webpage
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ISA Transfer Questions?
Hi, I have never transferred an ISA before since opening one with Lloyds so have a few newbie questions... I have £29773.56 is a Lloyds TSB Cash ISA & haven't put any of my £5100 allowance in for new term. Was thinking of transferring to... Santander Direct ISA (Issue 6) 2.75% AER Tax Free (Variable) From 9K+ Can I…
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FTB's - Best Saving Options
My gf and I are currently saving to purchase our first home. Currently are savings accounts are as follows: Myself eISA - 5,100 GBP (maxed for current tax year) Cash ISA - 3,600 GBP (Last Taz Year) Girlfriend eSavings - 7,500 GBP We will have 10,000 GBP by the end of April through commission to put straight into a savings…
