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Critique My Fund Portfolio
Hi all. Thanks for taking the time to read this. I have recently transfered my S&S ISA from Halifax to Hargreaves Lansdown (https://forums.moneysavingexpert.com/discussion/3043752) and have been convinced of the worth in selecting funds individually rather than investing into a multi-manager portfolio…
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£10,000 to save?
Hi all, I have £10,000 that I want to save towards my house fund. I've done a bit of research but wanted to ask a few questions on here. I know my first port of call should be an ISA, can I invest the whole £10,000 into an ISA? I know that I'll get a better rate if I put the money into an ISA that is bonded over a number…
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Inflation Inflation Inflation
Well there we have it 4% inflation and the mpc knew about this last week so no raise on the horizon! Good for tracker mortgages very bad for savers. Think this next 3 years are going to be tough for savers as the band of englands remit has changed dramaticly. 4% is the new 2% :money:
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A disclaimer is all very well, but...
I invested my medium term savings with Whiteway Laidlaw Bank last year after seeing them top your lists. Within a week of me opening an account they cut their interest rates to next to nothing, and required 60 days notice to close the account. Additionally they charge a £20 fee to transfer the money to another account…
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Carpetbagging - which b.s accounts to keep open?
i have a number of small amounts invested in Building Societies and was wondering if its worth keeping some of them open, especially the ones that have since merged. As i understand it Nationwide swallowed up the Cheshire and Derbyshire so is it worth keeping the cheshire and Derbyshire accounts? I was thinking that if the…
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Short selling
Ok iv got my head around normal share buying, tax isssues etc....now my next question. Whats the crack with short selling?? Quick question or two - which hopefully there is a quick answers to. If I want to short sell some shares at say 5000 @ £30, with the hope they drop to £29 = £5k profit......then what fees are involved…
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where s the flaw in my plan
i currently have savings in the uk and i am contemplating moving a chunk of them abroad to where i live -the pound is nearing 4 year highs and interest rates abroad where i live are about 6pc net/ My mortgage will equate to the income from interest at 6pc on th chunk-its currently on a svr 2pc -in the uk i draw an…
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NW Mysave - moving money in
So I've setup a Nationwide Mysave online plus account , moved the money from e-savings to my Flexaccount which took 1 second yet when I go to the Mysave website it says it will take until a week tomorrow to move the money to that account! Surely this can't be right? It would be so much easier to have one website Mr…
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Wanting to ditch my ISA and fix away for a year..
Hey folks, I have a Furness Cash ISA 90 which will have £9100 in it by April 2011 The current interest I am getting is 2.04% on anything over £9001. Im going to stick my neck out and say that from April this year, I want to lock that whole amount away for 1 year from April 2011. Ive been looking at interest rates for Fixed…
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Questions about ISAs?
Hi Years ago I opened an ISA and havent paid anything into it for about 2 years. Can I open a new ISA with a better interest rate before the end of march 2011 and pay my money in to it and still have my old one ISA open? Thanks
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Average Savings?
Hi All, Im doing some research as part of a school project in order to find out what the avergae savings a briton has in the bank? and wanted to know what your average savings are? To be more specific cash in the bank (not equity on house etc)?
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40 years of 'decimal' currency
'D' Day was 15th February 1971 According to Wikipedia, efforts at decimal currency reform (along with metrication) go back to the first half of 19th century. Whatever next, votes for women?
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Child's saving account - internet access
Hello all I am going to open regular savings accounts for my children to pay in a set amount a month - most probably with the Halifax from reading on here. However my son is 7 and has sold a number of his toys on ebay. We have told him he can spend half of his earnings and save the other half. I also plan to start to give…
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XEL Shares?
Who would recommened buying? Currently around the 362 mark?
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what would you do with £45'000?
Hi guys, Searched all over the site and finding lots of great advice but am very nervous of making incorrect decisions. I have recently come into some cash and after paying off credit card and bills I am left with approximately £45'0000. Now I understand that I should be getting as much of this into an ISA (£5100) asap,…
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lost old Abbey Nat share cert / Santander?
Hello, I hope this is on the right thread. I apologise if not. My elderly mum and dad are experiencing money problems. They have told me that they had a 100 shares in the Abbey National from the time it went public (years ago) but they can't find the paperwork (No wonder if you see the house). Anyway, can anyone tell me…
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Do Hargreaves Lansdown have any US Index Tracker Funds?
I can't see any when I select the North America sector under funds. They have ETFs, but I'd prefer a fund as they charge to keep an ETF in an ISA. Cheers
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Millionaires in Scotland - is there a list?
There didn't seem to be a completely right place to put this so apologies if it's deemed to be on the wrong board. Is there a list of everyone who is a millionaire in Scotland? I've come across a list of the top 25 people but I'm looking for wider info.
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Savings Account
Can anyone recommend me a good savings account. I work in a minimum wage, hourly rate job, and have no savings at the moment. How much I can invest depends on how much I work in the month. Some months I will not be able to deposit anything, other months I could have up to £100 to deposit. Most of the accounts I have come…
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Life with Profits Endowment - Sell or Surrender
Hi, I am looking at either surrendering or selling my current endowment that has 8 years left to run. It is a Life with profits endowment that I have had since 1993 and has a current surrender value of approx £16,000 with payments of £62/month. Would I be better trying to sell the endowment on and if so which companies…
