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NS&I Index Linked Savings
The following extract is taken from the Moneysavingexpert comments on the NS&I products. Government-run savings organisation, NS&I, has 3 and 5 year Index Linked Savings that pay 1% more than inflation, the rate at which prices increase. It uses the higher measure, Retail Prices Index (RPI) inflation, at 4.4%, meaning it…
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Prudential Rights Issue
Surprised there's no thread on this already, or did I miss it? I'm puzzled by this offer: why so many new shares (11 for every 2 held) at so high a discount (104p against tonight's close of 534.5p)? Why not 11 for every 8, say, at a price of 416p? Surely existing shares will be so heavily diluted that the price should…
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Savings advice
Hi everyone This is my first post here so I'm not entirely sure where I should go with this question. Basically, I started my first proper job post-uni in September and now I want to start saving for a house. I was thinking of putting £100-£200 in a savings account each month as I still live at home so I save money on…
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Transfer Paper Share Certificate to iii
Hi, I've just signed up for iii and I was now intending to transfer my Ordinary Share Certificate into the share dealing account. I've gone through their common questions and know that ill need to fill in the CREST transfer form to do this. My question is about the certificate. Its dated from 1999 and the shares are10p…
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Prospects of Pound vs Euro
I will be emigrating to Spain shortly, and have some savings that I will need to convert into Euro. Interested in hearing people's opinions on whether the Euro is going to weaken or strengthen against the pound between now and the summer. Thanks in advance!
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Savings and Piggybanking
Hi all, I've managed to clear out my credit card (bar the student loan but that'll slowly go down now) thanks to the advice on this site and some hard work and I've even managed to get myself a new bike after paying off my debts to save me the bus fare to work each day.:) Anyhow, now it's time to turn my head to saving…
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Stock Broker Question
Just wondering if anyone was able to give me their thoughts on the following. My husband bought some shares two years ago in an American company. The shares were originally on the london stock exchange, but then the company delisted them and moved to the NASDAQ. They were listed on the NASDAQ 4 weeks ago. The shares were…
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Santander or Nationwide? who is at fault
Hi, anyone had any recent experience of trying to get Santander to release their ISA funds to Nationwide? This has been going on since March and my ISA is still in the hands of Santander when I've repeatedly asked for it to be transferred. Both parties are blaming each other...Santander say they have had no requests and…
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AXA Sunlife - Cashbuilder
Hmm I have read some pretty horrendous scare stories on here today and myself have issues with AXA on the Cashbuilder policy. Apart from the usual bad peformance of the policy, I have been trying in vain to get Axa to refund my 12 months (50% as agreed in the advertising) premiums. I have spoken to a couple of people today…
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Krugerrand as gold investment?
Can anyone with experience of investing in gold Krugerrand coins tell me how important is the condition of the coin itself to the value you can expect when you cash in your investment? Is it best to only collect mint unused coins (which makes it harder to find them), or is it OK to buy normal good condition coins? Also, it…
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JPMorgan Natural Resources or First State Global Resources
I currently get my natural resources hit by investing in the JM Finn Global Opportunities fund. I'm going to stop paying into here, but wanted a new fund to allow me to keep investing in natural resources. I don't like the focus on Gold that the BlackRock fund gives, so I'm ruling that out (even though performance has been…
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Savings - use to offset my mortgage or put into an ISA/savings acc?
Hi all, I currently have my bank account with First Direct and all my savings too and would like some advice. I currently have their cash ISA which is 2.6% and i have £3700 in there. Not put anything in there for a year. I'm earning £7-8pm interest. I have an offset mortgage at 3.49% with savings off-setted against that of…
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Dividends
Hi I'm thinking of investing in a S/S Isa with H-L and buying HSBC FTSE All Share tracker. I'm new to this and have a question. Do I receive Dividends from this? If so how would I receive them and what would they be (%?) Thanks in advance
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Barnsley BS end of tax year certificate
Has anyone else had problems getting theirs? I applied on line 3 weeks ago, then when nothing turned up, by phone a week ago and still nothing! So far BOS; Cahoot; Birmingham Mid; Saga; Nat'wide; Brittania and Julian Hodge have all managed to deliver, but Barnsley BS is a black hole!
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New Sharesave/SAYE Tax Expert!
I was a member of my employers SAYE/Sharesave plan, and due to my employing company being sold out of the group the plan terminated early and I excised around 1.5 years into the 7 year term. I know there is tax due on this early exercise, but I'm struggling to work out how much. I know the calculation is: (a) what your…
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I've just won £85 mill on the lotto but have it in a CG 0.05% account
...what should I do.....btw I am a halfwit…
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3 way savings accounts
Hi, first timer here. I need some advice on trying arrange a very specific savings account. Long story, but basically I need an account than can have myself, mother and sister on it but withdrawls can be made with 2 signatories present. Not bothered about a great interest rate or anything as long as I can get this…
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Advice re Charity Account
Not sure if this is the right place to post this or not......... I am involved with a small charity and we have about £10,000 in a Birmingham Misdhires CAF (part of Lloyds/HBOS) term account which has just matured. I cannot find out if we are covered by the Government £50,000 compensation scheme as we are a charity. It…
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Another boring saving question :)
Hi folks, Got around 10,000 to play with... ISA maxed, Best saving accounts used money locked with best fixed rates used... forex used... zopa used :) so my only options are shares and stocks and gold (not to keen about gold but i dunno)... ive been looking at the nsi index linked certificates.. (one which pays interest in…
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Paying my wages into someone elses account
Hi everyone :) Basically, I'm over my bank account by £50, not in an overdraft as I don't have one on the account. Anyway, I'm due to be paid on Friday, and if my wages get paid into my own account I will be left with nothing because I've only done a few hours work. Has anyone had their wages paid into someone elses…
