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Understanding P/E Ratio numbers
Hi I wondered if the clever people on this board could help me with PE ratios as used on the MorningStar site. For example, if you look at Vodafone, the PE ratio on the 'Overview' page is 8.77 but on the 'Key ratios' page is 11.61. They're both, as far as I can tell, are PE ratios but vastly different numbers. I have a…
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Where best to do research into shares etc
Hy all, Basically I would like to get into buying and selling shares. One peice of advice that keeps cropping up is make sure you do lots of research before choosing a company to buy shares in. Its this advice that confuses me,. 1) Where is this research from, is it just a case of reading the financial times??? 2) How…
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Saved some money, unsure what to do?
Evening, this is my first post so I'd like to say Hello! I'm after some advice regarding my finances as I'm unsure what route to go down. I'm currently earning £1100 a month which goes into my Lloyds TSB Silver Current Account which I've just upgraded to a Vantage account after reading some posts on here. I would say that…
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Money to invest or save
A recent windfall has left my finances in need of re-organising and I would appreciate any advice or ideas on how to manage it all. The current state of my finances is as follows; £70k in my current account £20k in a cash ISA £20k in my spouse's cash ISA £18k in a joint savings account An outstanding mortgage of £90k with…
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Post Office Instant access (again....)
In the fortunate position of having another chunk to stash away on Wednesday - (PCLS) but this time will need instant access. Remember reading a load of horror stories about the admin of the Post Office account when it first came out - what are things like now - anybody care to share more recent experiences?
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BM eSaver 2.78% AER easy access - no bonus
Linky Is this the highest paying easy access savings account without a bonus rate needing to be included? Looks like a decent deal to me. Interest – calculated daily and credited to your nominated account on the first day of each month. Interest cannot be paid back into your e-Saver (issue 2). Interest payments to non…
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Zopa???
Hi all, Have any of you used the "zopa" site and if so would you recommend it? Thanks in advance Rich.
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Shall I invest in property?
Hi Folks PLEASE FORGIVE ME IF I AM POSTING THIS QUERY ON THE WRONG FORUM & WOULD BE GRATEFUL IF SOMEONE COULD TELL ME THE CORRECT FORUM TO POST IT TO - I have some savings and thinking of investing in property. The biggest problem is that I am slightly disabled and not much of a diy man. I also have problems in using tools…
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Endowment policy vs Stocks and Shares ISA
I have a 25-year with-profits endowment policy with Phoenix (formerly Scottish Provident) that matures in February 2023. It’s not one of the very worst of these policies, but it’s not good either. The premium is £75.54 a month. The basic guaranteed sum assured (including bonuses) is £17,390. The current surrender value is…
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AA Instant Access
New greater spotted AA Internet Extra issue 4 2.8% AER (2.3 bonus) available from today
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paid savings into closed account...HELP!!
Hi all Dropped a blunder recently and need any advice. Wife made an online payment from her Natwest account into my HSBC account. She used a "Payee reference" for ease. Unfortunately this account (I think) is now closed. However the money has gone from Natwest. We have contacted Natwest and they said they will trace it.…
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Buying shares for SCRIP/DRIPS reinvestment
I have a simple question: I'd like to buy some shares in a particular company, and have the dividends reinvested automatically, but I can't find any online services that offer this option. Capita are the registrar for the company in which I'm interested.
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Savings account for our newborn son ?
Hello, following the arrival of our first child we are wanting to set up a savings account for him start up amount wont be much only £50 or something, we would probably just be putting £10 a month in for starters plus any money recieved as gifts from familly etc. Could anyone reccomend the best sort of account we should be…
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Pre 1993 copper 2p coins for investment?
check this out: http://www.youtube.com/watch?v=dSGLdOTgmLs I just been through a 2 kilo jar of 1s and 2s with a magnet about 15% of the 2s and 20% of the 1s were 97% copper. metallic value double face value.
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Quick easy question
Hi all Im changing bank because my local branch closed. Im looking for a current account. I don't quite earn £14.7k so can't apply for the top ones. Overdraft would be nice but I am always in credit anyway. Are there any that offer a switching reward for an income of below £14.7k? Im leaning towards Barclays. They don't…
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Unit / Investment trusts with the broadest spread
I currently live overseas and have a SIPP in the UK. Before the Pound dropped in value against most major currencies, I was looking at transferring my SIPP to a local QROPS where we live. The company that appealed to me used matrices produced (I believe) by Dimensional Fund Advisers in the US showing annual returns from…
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Barclays Stockbrokers
Does anyone use these?, if so what is the consensus on their trading platform
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Savings vs investments / IFA charges
I have £200k cash, mostly in fixed savings bonds, and £190k pension fund which I want to consolidate into a SIPP and begin drawdown. I've seen the IFA who has managed my pension funds in the past. After 2 x half hour meetings he has now confirmed his recommendations and charges. He wants 2.5% initial charge for the pension…
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ISA - Self Transfer
I have a very quick question.(oops did not see the board for ISA doh.) If I have subscribed to a cash ISA this year 2010-2011. And it has very little money in it. Can I shut the ISA down and then open a new ISA with transfered funds from an old ISA (last payment made in tax year 2009-2010 and over the limit to self…
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Halifax Guaranteed Saver - Monthly Interest?
Does anyone know if Halifax will pay monthly interest on their Guaranteed Saver? I'm earning less than my tax allowance this tax year but will certainly become a taxpayer next tax year. I am due a substantial amount of interest on this account in November but would rather as much as possible was paid this tax year (for…
