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joint a/c FSCS & source of funds
Hello, Regarding the FSCS and the compensation limit on a joint a/c, does the source of the funds come into play when looking at the limit per person. In our case, I manage funds for both my wife and I, and am concerned that if I deposit £170K from a sole account in my name, they could argue only £85K is covered. I have…
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Sector P/Es
Do you know where I can source reliable (and preferably free!) P/E ratios for sectors? I am specifically after the forward P/E for FTSE Techmark.... Thanks :)
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Searching for unclaimed policies / accounts ?
Hi, My dad passed away some 14 years ago, and I didn't have much involvement in the resolution of his financial affairs at the time, so all I really know is what my mum tells me. Unfortunately, she still finds it distressing to discuss the matter and I'm not entirely sure she can even remember what she did at the time. Mum…
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Tracing missing investment
11 years ago I invested some money (about 5,000) in an internet fund call DIT Global strategies internet fund. The only information I have is the old bank statement which shows the transfer. Obviously the internet crahed in 2001 so I am sure I lost a lot of my original stake but neverthless maybe there is a couple of…
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HMR&C - tardy encashment of tax cheques
Has anyone else found that the Revenue have not yet cashed a tax chq hand delivered in am 31 jan 2011. Delivered to an internal letter box marked cheques only on the Revenue floor of the building so they have no excuse for postal problems. I stapled the chq to the Self Assessment Statement payslip so they have the right…
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SIPP Safety
Hello, I have a few question regarding a pension, how safe would my pension be if I moved it to a Fidelity FundsNetwork SIPP for example. Lets say I invested equally in three other well known fund companies: a) M&G b) Jupiter c) Schroder Question1: If Fidelity went bust would I loose any money? Question 2: If M&G went bust…
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Bradford & Bingley Subordinated Bonds
Hi, If anyone still have any Bradford & Bingley Subordinated stock and would be interested in selling I could give you a price? Let me know. Regards, relaxtwotribes P.S. Sorry if this contravenes any MSE rules.
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Conditional shares in employee scheme - what tax?
i partake in a works SIP scheme for shares, basically its buy one get one free, then can sell them tax free after 5 years. I currently have 812 conditional shares, work approx £10k, and wondered what amount of tax and NI I would pay on these, if I wanted to get them out now to sell? Thanks in advance everyone
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1.5% too much to pay an IFA?
I have just had an IFA look at handling my £800K of funds which are currently in a number of savings accounts. He said his charges are around 1.5% is that too much to pay?
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new Tesco Bond 5.2%
I saw this advertised in the Sunday Times yesterday - what do people think about it? good, bad ugly??? all advice greatfully received. Cheers.
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Genuine phone call - how to tell?
I have had two cases in the last few days where a bank security department has phoned me to warn about a suspicious use of a credit card. One was about the company Barclaycard. A person who sounded as if from India started asking a lot of security questions supposedly to verify my identity. I became suspicious because he…
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What interest rate was available last June?
I know this sounds a bit silly, but i was offered 4% on my savings (a substantial sum) with Ulster Bank by the manager over the phone last June. Best i could get anywhere else was 3.8% at that time with competing banks. I duly accepted, but last week when i made enquiries for my tax form i was told i was getting only 3%. I…
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House Equity to invest temporarily
Hello, We are due to sell our current property next month and our new home will not be ready for at least a month. We will have about £110k equity sat in our current account for a month, until it all disappears into the new house when we complete on it. i would be grateful for any instant access saving ideas which would…
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6 Month Fixed ISAs
Does anyone know any good 6 month ISA schemes? Thanks Cryff
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investing in shares
well i have around £500 for a trial run but how on earth do you invest and what do you invest in looking at doing it long term if i start making a couple of pound here and there any advice would be great i know i wont make millions on £500 so i am being relistic
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Ex-dividend date and Payment dates
I intent to sell some ISA Income Unit Trusts with the following details: Ex-dividend date = 01 January 2011 Payment date = 28 February 2011 If I sell of the 6 Feb 2011 will I still get the dividend?
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Long term value of the pound versus the Swedish crown
What are people's view on this, would it be beneficial to buy into a swedish company with a stable price and high dividend yield in the hope that the pound will weaken further increasing yield or have I got this the wrong way around
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Advice on UK Savings Plan
My wife and I are retired and living in Malaysia. We are UK citizens and pay UK tax but have no property or other income apart from pensions derived in the UK. We bank in the UK and transfer to our local overseas bank as and when necessary. We are interested in finding a good savings/investment plan in the UK and would…
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AVCs or extra mortgage payments?
I am 62 in August this year. I am in a local authority pension scheme. My mortgage finishes in 3 years five months and I plan to work until 65. I started paying £250 per month into an AVC last year. Should I invest more into the AVCs or increase my mortgage payments? Thanks Mike
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branch saver
anyone heard of a santander account called branch saver special issue 1. cant seem to find any info on it on there web site
