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alliance trust?
Just about to set up an alliance trust account so I can hold stocks and shares / ISA and funds in the one place. But they charge £30 admin fee for the stocks and shares ISA. Is that reasonable? Seems pretty steep but I have seen them highly recommended on this forum before.
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Lloyds 1-year Term Deposit @ 1.50% ? !
My wife and my mother have had several Lloyds 1-year Term Deposit bonds recently: Starting 08/10/09 @ 3.00% 04/06/10 @ 2.40% 08/10/10 @ 1.50% 04/06/11 @ 2.90% As these rates were notified as renewal offers in the maturity letters of the prior term deposit bonds, I have not seen them formally published by Lloyds. I have…
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Monthly Income or Overpay Mortgage?
Hi, In a nutshell from a combination of borrowing more than I needed and a trust that will be released to me when I'm 25 (which I can get at sooner) I will have around £15,000-£17,000. I have a small mortgage but don't earn massive money (23k) though I do have a part time job (5.5k) to supplement my income and make life a…
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Fidelity FundsNetwork Platform Charge
I have an account with Fidelity FundsNetwork through Cavendish Online. After paying Cavendish a small one-off fee I benefit from 100% rebated trail commission on most of my investments. I went onto FundsNetwork this morning and discovered that Cavendish have 'opted-in' my account to the new Fidelity Platform Charge of £45…
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I'm a Virgin
NS&I virgin.....subscribed to the Index-linked Savings Certificate with £1k, received a letter to sign and return. Do i have to do this every time this offer is open and put more money in upto £15k?....or can i pay via debit card when ever i want? Not sure how this works compared to a real bank/Building Society account.
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Help me make the most of my money!
Hi all, just joined up, I've been a lurker for a while now and have taken much of your helpful and very valuable tips and advice on board. :beer: I've just successfully applied for and opened a First Direct 1st Account and their Regular Saver along with it. I'm currently making full use of the great 8% interest rate by…
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Quick question !
Hey everyone I've got a quick question just looking for your personal opinion ... I am 20 years old, have a full time job, a single mum to one dependant and I am hoping one day to own my own home [mortgaged obviously] ... what do you think would be a 'good' amount for a 20 year old to have saved by now ? Thanx
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Gifting inheritance before care-costs
My father has Huntington's, a degenerative brain disease and we are trying to move him from his care home in Scotland to England to be nearer us, his four children, who live down South. We have recently discovered that he has £68,000 in his current account. A financial adviser has told us that this sum will have to go…
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Fund Supermarket Help Please
Sorry this may seem like a question with an obvious answer but I just want clarification from anyone with experience... I have OEICS recommended by an IFA with a variety of fund managers (I am happy with protfolio spread); some via Skandia and some via Fidelity. Initial charges are 3.5%-5% and AMC of approc 1.5%. I…
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Best place for £80k
Coventry Building Society is offering 3.1% (Poppy online saver) and up to 4 penalty free withdrawals. Thank you :o
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What to do with inheritance? Advice appreciated.
Hi all, I'm looking for advice on how/where to invest an inheritance. I have signed up for two (me&hubbie) Santander 3.3% AER cash ISAs and have a further £10k to invest. I am not too savvy or up on all the lingo so am getting a bit baffled! We will not need access to this money for at least a year (2 if investment really…
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NS&I Bond Winning Alerts?
Hi everyone, So, I've joined the new NS&I online system and I just wondered. If I win a premium bond draw now, do I get an email? Or do I still have to check manually?
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Newbie Question - Debt v Investing
Hi, i have some experience of saving but am a total newbie to investment and need some advice. I am 35. I have £100,000 saved all in cash, i have no investments whatsoever but i have a mortgage in principle of £110,000 as a first time buyer at 3.24%. I have also seemingly been flagged up by Nationwide as having too much…
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Thoughts on LLOYDS TSB Shares
Hi Guys, just wondering your views on the lloyds shares at the moment. today it again went down by 4.3%. . Its been falling since last October quite a big bit and its been constant. I know there is a lot of duibity in the bank stock market at the moment but i was thinking about it today and could maybe invest say £1000 or…
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Instant or Fixed?
OH is due £35K inheritance in a couple of months, but is unsure of whether to put it in existing instant access account at 3% just in case a good fixed rate comes along, or whether to put it into a 1 year fixed currently at 3.51% (if that's still around when received), difference of £142.80 net interest over 12 months. Not…
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Regulations when buying shares
Does anyone know if the distance selling regulations apply when buying shares over the phone? My partner was recently contacted to purchase shares by a broker and we're struggling to find background information on them and they're not registered with the FSA. They claim they're registered with the German equivalent but…
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Have Halifax calculated my ISA interest correctly?
I opened a Reward ISA with a transfer in October 2010. I transferred two ISAs from Natwest, with total balances of £5,903.95, and Halifax added an interest adjustment of £1.15 for their ISA switch guarantee. The date of all this inflow is shown as 05/10/2010. I can’t remember what the rate was supposed to be, but I think…
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principality bank
hi i want to open a business savings 1year bond account with principality bank, they have given me an account number for me to pay the funds in, but the name on the account isnt mine, its theirs? when i questioned this they said its because they are not a clearing bank, they use barclays, then they send in a bond…
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Derbyshire BS 3.25% AER easy access account
Derbyshire Building society have just launched this easy access (on-line only) NetSaver (issue 1) account which is probably the best rate currently available for an easy access account (non ISAs). http://www.thederbyshire.co.uk/Savings_Portfolio.aspx?id=3491 Interest rate of 3.25% AER is variable (edit: increased to 3.18%…
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Online Stock/Share Dealing Account (Offshore)
Hi, I live and work in the Middle East, however I am a UK national. I would like to open an online share dealing account, however, I am unable to do so using UK based banks as I am not resident in the UK. My bank in the Middle East does not offer online share dealing accounts. - This would not be my preferred option…
