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Interest + “Introduction Bonus”
Hello What an unexpected pleasure you being here. As you’re here may be we could get down to business, as soon as possible, as I have an urgent meeting with “Q” in ten minutes and I really need a drink (Martini, shaken not stirred) before that. Why do Banks, on saving accounts sometimes have Interest = (Interest +…
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Any safe funds to invest excess cash in?
hi iv used up my isa for this yr and currently have 300-400p/m excess just sitting in my current account and looking for some safe-ish funds i can invest in through HL. I currently have a reg saver with hsbc and invest 300pm in a few high risk funds like aberdeen emerging, first state india etc, so looking for something…
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Are ISA's ALWAYS the best option?
Hi, I have no savings at present and am only now in the position to start accumulating some. I was of the opinion that i should save in an ISA before any other account (i won't be able to fill my whole allowance), but is this ALWAYS the case? Are there any circumstances when picking a higher interest rate savings account…
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Savings Account for Grandchild Not Resident in UK
I currently have a Barclays savings account for my grandson in the USA that pays interest gross of UK tax. However, Barclays have now advised that they will withdraw this facility from mid Aug despite the arrangement being approved by HMRC. I have been trying to find another account that permits non-UK resident children to…
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Are copper bullion bars a good investment?
Hiya this is my first post and I am wanting to enquire about the investment of copper bullion bars. Are these a sound investment? Are they like gold, silver and platinum likely to go up? Also what other precious cheap metals good to buy? Any info would be greatly appreciated. Thanks Ummi
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Lloyds TSB Vantage- Free Hotel Night
I had an interesting experience when I paid some money into my 1 remaining Lloyds Vantage account this morning. The account has a minimal balance and is not used, except for £250 I pay in each month which then gets paid out as a standing order to my Lloyds Monthly Savings Account. I also have the Incentive Saver account…
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Saving, the only way forward
Hi Guys.... i originally used to come on the MSE forum to find bargains, even when i coulndt afford to i'd still buy that very tempting bargain im 27 next week and i was thinking i have nothing to show. so ive decided from the 27th of July (my bday) i will practice saving and hopefully have enough for a deposit on a on a…
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Invesco Perp Income Vs Invesco Perp High Income
I'm looking to add one of the above funds to my monthly drip feed line up. Money will continue to be added monthly for the forseeable future (10+ year time frame for holding) and all dividends will be reinvested. So, what's the difference between the two? Both seem to be very similar in terms of holdings. Has that always…
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how reliably do index linked investments beat inflation?
Over the last 10 years, an index linked gilt fund steadily outperforms RPI. E.g.: ---RPI M&G Index Linked Bond 1y 5.19% 12.87% 3y 8.64% 21.15% 5y 18.49% 38.85% 10y 35.72% 81.23% This seems like a relatively low-risk, low-volatility way of beating inflation. But I've read of a 30 year bull market in bonds - is the…
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instant access savings with faster payments?
Hi All, Can anyone tell me the best ( highest interest ) account that can send faster payments from? I have a northern rock account, but can only transfer out with BAC's, is there any instant access saving account with faster payments?
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is the capped HL ISA charge per account or per investment?
Suddenly realised I'm not sure exactly what they mean by "0.5% for all other investments, capped at" £200 now, soon to be £45. Is the cap for your whole HL ISA, or for each holding? (presume they won't answer the phone on a saturday)
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Buying Funds
Just opened a Hargreaves Lansdown ISA (Aberdeen Emerging Markets). It is monthly subscription, but i think i can pay lump sums into it? If i payed in £1000 today and i wanted to buy units, is the price always yesterdays fix? For example, if it showed the fund was down 5p yesterday, is this the price i buy at? Always seems…
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Saving overseas
Hi guys, A quick question, I have searched but now been even to find any answers. I have a few £££ that I would like to save (low 6 figures). I also have around £20k currently invested in individual shares. What I am hoping to do was to make use of the decent interest rates from around the world. So I suppose my question…
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Share Novice - Investing for Child as a Gift
Hoping somebody can give me a bit of investment advice... I'd like to buy some shares as a gift for a baby in the family - starting small at £50 with a view to adding to it over time allowing them to build a portfolio. I'd like to have choice over the initial shares purchased but have no idea whether this is possible. Can…
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£240k to save from house sale
Hi we are about to sell our house and will be renting for 3-6 months before buying again. One we have paid estate agent and solicitors fees, I reckon we will have around £240k to save. We want to get the best interest rate with an account that will give quick access once we find somewhere else to live. I don't want to take…
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Bank Accounts
I am a 17 year old girl studying in college and currently have a part time job earning about £40 a week. I am looking into opening a new bank account with a higher interest rate than the one i have currently. I will also need to withdraw money occasionally to pay for bills, can you suggest any options? Thanks, Ceri
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Virgin one account
Hi, Is the Virgin One Account a good Idea? I like the principle and know people that it has worked for, what are the hidden dangers?;)
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where to put £35,000
where should I put £35,000 saving .I need to start to use some off this money ( £150 a week ) so it will be decreasing .I need the best interest rate I can get .
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Inflation rate and savings
Hi there I have to again recently reading about the inflation rates and how the top saving and isa are deceasing your spending power. I know this and sort of understand how this would happen. E.g costs of shopping and petrol increasing over time. But how or where do you find out what the current inflation rate is? Also is…
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US tax witholding on old shares?
Hi, A while ago I had some US shares which I sold off in December 2010. I received a notification from Halifax share dealing advising me they had informed the IRS of my investment etc and that I had a gross income of $10.00:cool: Last of big time spenders me:) The federal tax withheld was $3.00 Does anyone know how I am to…
