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High Rate IR account that allows multiple deposits?
Hi guys. Does anyone know an account which pays a fixed IR or a high rate IR which allows deposits? Ild like to use this account for any surplus cash I have left at the end of each month. Thanks
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What does "issue" mean in savings?
Whilst looking at different savings accounts, I've noticed the word issue crops up now and again, usually with a number by it. Can someone explain what this means?Thanks
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Worst performing funds and fund managers revealed, are you holding any?
New research has cropped up from Bestinvest which claims to highlight the worst fund managers and funds. Apparently, there's billions invested in these 'dogs', summary from Investoo.co.uk "1) Fidelity, because of the European Fund and American Special Situations Fund. 2) Newton, because of the International Growth, Global…
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Help a Student with TAX on Savings (2 Seconds)
I have an ISA that's dropped to 0.5% interest with Halifax. So I was considering going for the West Brom Web Saver 3 with a few thousand pounds to start off saving properly. I’m at university and I have a job so I’ll be putting a percentage (20-30%) of my weekly wage into the account. It is my intention at the end of the 1…
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Wanted - free software to track savings
I have split my savings over a fair number of accounts. The disadvantage is that its very difficult to keep track of locations, account numbers, expiry dates of bonds etc, but most importantly to keep on top of interest rates. We all know the con trick of Building Socs and Banks when rates drop and they 'fail' to inform…
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How to change the owner of shares?
Hi there, An elder relative gave me her shares as a birthday gift. How do i go about changing the name from theirs to mine ? And how much would it cost? etc Thank you. Any other advice would be appreciated. Edit: and how would i take the paper format of the shares online to say barclays stockbroker?
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Simple interest formula
Hi I’m looking to do some calculations in Excel but Have very little know how to enter the formula. What I want to do is :- £1000 x 5% interest for a year = £50.00 + = £1050 1st year £1050 x 5% " " " = £52.50 + = £1102.50 2ndyear And so on. can someone tell me how to do it please ? :beer:
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Experience of Northern Rock Service?
Hi, Does anyone have any recent experience of service from Northern Rock? Having just joined as a new savings customer I have less than impressed with the speed of their website (very slow) and long queue times when calling their call centre (5-10 mins wait on three separate occassions when calling today). Is this normal…
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Torn between two Fixed Bonds
I am torn between these two...........................£85k C&G Three Year Step – Issue 3 - No opt out.........................4.25%........CHAPS IN.......CHEQUE OUT http://www.cheltglos.co.uk/savings/fixed-rates/index.html OR 3 Year Fixed Rate - £100 opt out…
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CMC markets
Hi All Has anyone used CMC markets for spread betting. Im thinking of opening an account with them ? Just wondered what peoples experiences are like, feedback etc thanks
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childrens savings help??
my little boy(9 yrs old) has £ 20k about to be given to him from his grandad. (lucky boy!!!) my question to you out there is..... I want to put it away til he turns 25 years.In his name only and where he is unable to get hold of it until then. NOT stockmarket as grandad is not a fan of it..HELP. MANY THANKS
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£5,000 spare cash
I have £5,000 that i was saving for a campervan I have gone off the idea now so it is just sitting in the bank I am really lucky that after years of bringing my kids up & living week to week i have no debt or credit cards Not sure what i should do with it any ideas?? thanks for reading
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Tesco FP delay
Hi everyone In case anyone was not aware and needed to know, the Tesco FP system fell over again last Wednesday which meant most online payments did not go through immediately. My two payments were each delayed by a day and, as a result I have incurred an £8 charge from my bank. I just rang Tesco Finance Customer Services…
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is it save to keep my money at www.westbromwebsave.co.uk
I'm really surprised at how easily I'm led to sign up to an web bank account and send all my details and set up a direct debit to take one grand out of my account. It was recommened to me on this site. Is the company legitimate, does the 90,000 or whatever guarantee actually mean anything, and which parent bank does this…
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Best saving strategy
Hi all, I'm looking for a bit of advice regarding savings. I've been out the loop for a while as I have been a student and not in a position to save really. Though I currently have a placement and am working, and earning for a year. I have about 10months left and want to get some advice on how to maximise my money and…
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Cash % of portfolio?
Hi all, I know this question is similar to 'how long is a piece of string' and has so many variables it is not releavant to have an accurate % which each and everyone of us should try and attain. However are there any guidelines as to what % should be held in cash for a specific lump sum or are the personal factors such as…
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Cost of advice from IFA
I currently have an investment ISA which was arranged after consultation with an indepenant financial advisor. He gets paid monthly trail commission on the ISA, and I don't know the exact amount, but I don't believe it's very much. I'm looking for some more advice in terms of financial planning for my daughters' future…
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Share price to zero
I don't understand stocks and shares but was wondering: Can someone explain what would happen if a FTSE listed Company fell to 0.00 pence? Does it mean the Company is insolvent and closed down? If it were a bank what would it mean? All accounts closed and people unable to get their cash. If share price seems good value…
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Investing £7.5k Inheritance for 14 year old
Hello I would like some advice as to how best to invest £7.5k inheritance received by my son. He is 14, and the will stipulates that he cannot receive the money until he is 25. The solicitor has spoken to the trustee's of the estate about it and has now sent me the cheque to invest on my son's behalf, reminding me about…
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Looking to buy some shares, should I go for an Investment ISA?
Hi all, I'm looking at buying about £10k worth of shares. I've spoken to my bank (Barclays) and they've told me about the trading accounts that they have but since I'm new to this, I'm not sure what to go for. I'm guessing getting an Investment ISA would make the most sense due to the benefit of it being an ISA and the…
