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Vanquis 2 yr bond 4%. Seems like a good return
Is there a catch? Bad experience with Vanquis etc? Am I missing something? http://www.highyieldaccount.co.uk/apply/?_$ja=tsid:31674
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How to invest £10,000
Hi there, I've got a 10,000 in a high street savings account. Some background: I've just bought an ex-local authority flat in central London, and I feel I need a financial cushion in case any works are done to the block, in which case I could be charged (there is nothing pending for at least the next 12 months). I'd quite…
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How bad are HSBC?
I tried to place a good sum of money with HSBC yesterday....The website branch locater failed to load after 30 mins....I then tried the telephone number....this would'nt allow me to get through until I typed in an account number that I did'nt have ( I'm a new customer!)....went through a number of menus ..only then did it…
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Best of current CTFs (?)
I have still a voucher for my last born with the expiry date of next week so, in theory, still on time to open a bank account with it. I have phoned Santander, but they don't do it anymore, they also told me that because the government stopped the CTFs, I wouldn't be able to put it in any bank account because no bank is…
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Railway Engineman Assurance - saving plan - Advice please
http://www.enginemens.co.uk/sites/default/files/uploads/RAIL-APP-FORM-SAVER.pdf http://www.enginemens.co.uk/sites/default/files/uploads/RAIL-APP-FORM-CHILD.pdf http://www.enginemens.co.uk/sites/default/files/uploads/RAIL-APP-FORM-DISABILITY.pdf I doubt many have heard of this but its especially for rail workers who are…
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£40k over 10 years
Hi My kids have inherited about £40k, but it isn't for their use for another 10-15 years. I want it to bring an annual income in for school trips and so on, rather than see the capital increase in that time. Not sure on whether just to find a good savings account, or do something clever with bonds or investment funds or…
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Tax on Childs Savings Interest
Hi, I've just recently set up a savings account for my 6 month old niece. I followed the advice on the website and opened a Bank of Scotland/Halifax account with the 6% interest bonus and I'm just at the stage of taking the birth certificate in to the branch to confirm all the details but I notice on the letter it says the…
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Stagecoach Return of Cash
Anyone got stagecoach shares? Am I right in thinking that the current offer to return cash to shareholders is a bad deal based on current share price? Seems as if cash will be returned based on £231.9, and current price is £251 ish( after falling 8 today). New shares are issued at 4 for 5. Does seem like you have an option…
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Savings for a child - £100 a month how best to save?
Due my first child in a few months, So i'm thinking about long term savings so that I am in a position to help them get to uni, buy a first car/house or whatever they need in 18+ years time. So, what kind of accounts should I be looking at, or would a unit trust or something like that be a better idea? I'm comfortable with…
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Childrens accounts emptied
Hi Prior to hger death my mum was the trsutee of my 2 childrens bank accounts, every month they received approx £100.00 from my deceased dads pension. My sister was appointed executor of the will and was left everything. We have since found out she has emptied the girls bank accounts so all of their savings have gone. Is…
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Fixed Savings account or ISA??
Dear Members, This is my first post, so let's see if this works! I am a recent university graduate and currently without a job. I have around £5,000 which I would like to put into either a 1 year fixed savings account or a 1 year fixed Cash ISA. Now I understand that with an ISA you don't get taxed, but some of the rates…
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Permanent Portfolio-type fund in UK?
Does anyone know if there's a UK unit trust or similar type of fund that operates on Harry Browne/Permanent Portfolio principles? I'm aware that you can assemble an equivalent portfolio with index trackers and etfs, but I'm just wondering.
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NS&I Certificate in trust
If I were to buy a savings certificate for my daughter as a trustee, who receives the interest and capital at the end of term? I can't find amything on their website to explain the differences between buying a certificate in my name or as a trustee for someone else.
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Critique My Fund Portfolio
Funds Aberdeen Emerging Markets 20% First State Emerging Markets 20% These two make up 40% of the portfolio because I believe emerging markets still have a lot to offer. I picked both over one or the other because I like the sector allocation when they are combined more than I like either of them individually. M&G Global…
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Ing Direct.....gulp
Hi I have just read on this site that Ing are in a situation that if they go bust we arent covered by the government,.... I have just put a large sum of money in there and after waiting what seemed like forever with icesave to get my cash back, am wondering shall I move it Any ideas please!!! samx
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Cambridge RPI linked bond
Would you consider this bond better than the 1 with NS&I? It may not be for tax payers but what about non tax payers? The way I see it, is the RPI would be the same for both but the cambridge 1 pays 1% on top of RPI. Be glad for anyone's opinion. http://www.cambridgebs.co.uk/savings/bonds/inflation-bond-lovemoney
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Saving, Investing... Starting early
This is my First post on here so i'll quickly introduce myself... Ben Ainley, 19 and i live in Southport. Recently my grandpa died and he was a great believer in saving etc etc. it's made me realise, as well as family members have, about the importance of saving and even investing at an early age because of the reduced…
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Range Resourse (RRL)
I have been keeping an eye on this company for a while. I was just wondering what everyone else thinks about it i.e. downfalls etc I think it could be very cheap at current SP Does anyone else own shares in Range? How many etc? Thanks
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Balance my S+S ISA
Hi I opened a S&S ISA a few years ago and have been adding to it monthly since. I am now going to increase the monthly payment to £200 but I realise that my portfolio is not particularly balanced, and that as I am going to put more in I should be more sensible! My current holdings are: BlackRock Global Bond A Acc 13%…
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Ratesetter
MSE Official Insert: Read more about Ratesetter, Zopa, Funding Circle etc in our Peer-to-peer Lending guide. ---- I was thinking about using ratesetter as a lender,but before I do, I wondered if anyone had experience using them? The reviews on the web seem quite sporadic, and searching on here, the majority of posts are…
