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Where do I put long term savings?
Hi, I have one child, 8 years old and her aspiration in life is to become a doctor. Given the recent rise in tuition fees I am now really worried that I won't be able to help finance her dream. She has a Nationwide child savings account that I put money into as and when - I'm self employed and my income varies a lot - I…
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Dividend Reinvestment Charges:
Hi I have a very small dividend today about £2.25 and I was expecting the money to be reinvested in order to have one share price. But the money has not reinvested and return to my normal account. I could not understand then I found the information: Dividend Reinvestment Charges: Reinvestment of dividends is charged at 1%…
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Time to change from a tracker to a managed fund?
Hi all, currently have a virgin "tracker" that started out life as "peps". Returns have been variable, but since we have had them they have only "averaged" about a 4% per annum return. Should I change them into a "managed" fund? Any thougths welcome Stu
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Santander retrospective renaming of A&L online saver accounts
Hi! I have a few A&L online saver and e-saver accounts. Some of the closed online saver accounts and the one live 'online saver' account have been renamed to OnlineSaver Issue 3. Any ideas why? Can't find the interest rate for the OSI3...
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Has anyone had any dealings with Zoopa or Funding Circle?
Hi Folks As you know, interest rates are at an all time low, and the money sitting in banks/building society accounts is earning next to nothing, in terms of interest. Websites such as Zoopa and Funding Circle offer individuals the opportunity to lend money to other individuals or businesses, and can expect to earn…
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share certificates
I have some Standard Life shares but hold them in share certificates......I now want to sell these shares but have no idea how to do it Can anyone help;)
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Selling a unit trust
I invested in a unit trust with Schroders many years ago.I'm now looking to sell. Do I do this thru a stockbroker or do I have to go back to Schroders ?
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Gap year???
I'm planning on taking a year out from work next year for about 6 months, but I don't know whether it is wise due to costs and that malark. :( Is it best to wait a couple of years, or shall I just go ahead and do it? If so whats the best way to save? :j
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Wiring £GBP into USA - cheapest forex provider ?
My bank charges an extortionately high foreign exchange rate plus wire fees to wire funds abroad (USA). Can anyone recommend reputable forex agents/providers who offer competitive forex rates & fees for outgoing wire transfers to the USA (GBP to USD) ? Thanks :)
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Maxed out ISA, but still want to invest...
Hi guys, I cant invest anymore in my ISA, but would like to invest in on of HL's new funds. I intend to buy this fund and hold it long term. Should I start up a SIPP, or should I just buy the fund and move it into an ISA in April? Thanks for your help.
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Child savings - Help!
I have been paying £50 a month into a Halifax savings account (6%) for each of my two children (7/12) for the past year. Next month is the end of the 12 month period and I need advice on what to do now! Do I lump together the full amount (£1240) or invest each amount seperately? I want to continue saving the same £100 to…
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Investing in ISA while in OZ
Hi, I'm moving to Brisbane for 4 years next month and selling the house. I believe you can only open an ISA while a UK resident, assuming that's correct can I open a S&S ISA for me, my wife and my 2 kids and invest the full £10,200 before going and then drip feed into the 4 of them by transferring money from Oz into UK…
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Due Inheritance - need guidance!
Hi all! A little about me: I'm a graduate, looking for work, and currently claiming jobseekers allowance *dodges any thrown tomatoes* I currently have no major outgoings, and thus am saving the jobseekers allowance in my current account (Nationwide). I have a £1,250 overdraft maxed with Natwest. Within the year, I'm due a…
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RBS/NatWest interest
I remember reading on here that their cut-off point is 18:30 and that any Faster Payments in or out after that time will count from the following working day from an interest point of view. Can anyone confirm?
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Tesco Internet Saver
Tesco Bank increased the interest rates on Internet Saver on 3rd February, but this increase only applies to new applications. Does anyone know a way to switch from the old account to the new with minimum fuss?
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ISAs and Money between married couple?
Hello everyone, First time posting so hope I got it in the right place! My question/interest is regarding ISAs. Presently I'm not working as I finish a study course and so my husband is the breadwinner. He already has an ISA in his name (And to the years limit), while I do not have one. Is it legal/allowed for me to open…
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Living off savings
Unfortunately, redundancy seems to be looming at age 58, and I will not get much of a pay off. However, I have saved enough in ISAs and fixed term savings accounts to last approx 4 years if I drip feed 2K a month into a current account. My question is about the logistics of how to cash in 4 lump sums of say 25K, incurring…
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Tesco Save As You Earn Maturity Instruction Form Not Received
Help... I have recently received a cheque out of the blue from Equiniti (the company that deal with the Tesco save as you earn share scheme). My idea was to leave the shares in the scheme until the share price reached a nice amount and sell them, that was the idea any way. Instead they have sent me a cheque for the amount…
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Equiniti - is this a legitimate letter?
My mother has just received a letter from Equiniti - it's correctly addressed and has her name on it. However, I'm suspicious, especially regarding the part that says: "If we receive no response within 28 days of mailing, EFSL may instruct a professional agent to locate and make contact with the individual, who may incur a…
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Close savings only 3.75% interest for ONE year.
Close savings premium gold account (2 year fixed rate) is advertised as 3.75% AER and the post office 2 year fixed rate bond at 3.65% AER. BUT ... post office takes first year interest into 2nd year - so compounded interest in 2nd year. Close account does NOT. I asked Close to confirm. This is their reply: Regrettably, we…
