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what is best a savings account or ISA??
:hello: i am pretty new to this and was just wanting to no if somebody could give me some advice, i've recently just getting myself back on my feet after years of not knowing where the next penny was coming from and always worrying about money and christmas for the kids i don't want to be in that situation again and would…
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Parent wants to sell me their house
I wondered if anyone could help here, my father wants to sell me his house for £1. He wants to do this for a few reasons: - 1 - to avoid any care costs that he may have to incur in the future 2 - so that my brother and one of my sisters, and certain grandchildren do not get their hands on the money from the property. I…
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PO Online Saver..opening a new issue?
The bonus has ended on my Post Office Online Saver, and the new one (Issue 4) is paying 3%. It states that you can only hold one Online Saver at a time. How do you go about transferring from one to other, or do you have to close the old account and transfer it to somewhere else and then apply for the Issue 4 account,…
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Mortgage v saving
I'm a virgin poster so be gentle! I have a question I'd like feedback on. I'm in a very fortunate position that when I took my mortgage out some 14 years ago I had a fantastic deal. I have one of the most flexible mortgages around, I have a cheque book on the mortgage, can draw down as much as I like up to a pre -set limit…
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R06 Exam
Hi, Any industry bods sitting R06 on 21st November? If so can you please PM so we can share thoughts on the case studies. Regards
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The Structured Products thread
After a discussion about Structured Products in another (unrelated) thread, I thought I would open up this forum for those who know about / or would like to learn about Structured Products. These aren't necessarily new financial products, and you can find out the definition on Wikipedia…
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Northern Rock website working?
Hi all, have been lurking around the forums for a while but didn't join until today, when I need help with something ;) I'm just wondering if everyone else is finding the Northern Rock website to be as annoyingly slow as I am. It's time for me to transfer my current ISA into one with a better deal, and I decided to go with…
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Monthly Income Savings Account...
Hello, I think waiting on Savings Accounts to provide a small return on a yearly basis is too long. So I was wondering are there any good savings accounts out there that provide income on a monthly basis? All advice and comments are appreciated. Thanks
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2 year fixed?
could you recommend a 2 year fixed account? we've got ~100k also, would you fix it for 2 years, or maybe just for one first and then another one, as interest rates might go up in the meantime? thanks!
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elderly mother given internet account; she doesn't own or use a computer
Is there any redress against Lloyds bank for opening an internet account for my 88 year old mother, 2 years ago, and transferring £1500 of her money in it? She has no computer, can't use one and oh - the account has paid a tiny amount of interest. I found an annual statement yesterday otherwise it would have been dormant…
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Question about moving ISA
Hi, im hoping for some advice about ISA's. I am currently with Lloyds TSB using their online ISA, i dont remember exactly what interest rate it was when i first set it up just over a year ago (i know it was more than 1%), either way i have had my interest and the account now says it only gives 1%. I have just signed up to…
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Buying/Investing in Singaporian Dollars
Hi guys, Would love to invest around 10K in Singaporian Dollars. Anyone an idea how I can do that best? Is is possible to go to HSBC and tell them to open an account in Singaporean Dollars? Would also be great if I get at least some interest paid on this money. Thanks for your help!
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Close Savings 2yr Fixed 4.25%
Just launched I think, a bit irritating really as I've just opened one with Yorkshire Bank at 4% grrrrr....
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invest in property?
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What other ways can I save for our newborn?
I want to save some money for our newborn, however those Junior Isa's don't sit right withe as they gain control over the money at 18 and I would rather see it held until 21 so they could use for Universtity or a house. Any ways I can do this?
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IND Direct 12 months bonus online saver...
Once this account is up and running, how much paper do you recieve via post, i know you can opt for online statements, but do they send out any thing else? Its just i want to open it and go travelling for a year, so will have no correspondence address once it is up and running............
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Tracker fund - rookie question
Hi - I'm considering investing around £1k in a FTSE 100 tracker fund. Problem is, I don't know how to begin investing! My understanding is that the HSBC tracker has the lowest fees, and I still have a good £2k of ISA allowance left so ready to get started. However, when I go to the HSBC site, there's no link for further…
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To buy (a house), or not to buy (a house)...
Hi all, hope you've all had a nice weekend :) I'm 25 (nearly 26), have a secure job paying £30k, and now have a lump sum of £30k at my disposal. I've been thinking of buying a property, and have been approved for a £150k mortgage by the Halifax, giving me £180k to buy a place. I'd plan to live in the property for 12…
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Advice to a 19yo?
Hello :) Basically I need an insight to wear to invest or potentially save my money, and maximise returns? I can save/invest about £1k a month. I have a small amount saved up in a Savings account which provides about 3.5% interest an annum I think. I have about £7k locked away if life fails. I have a few small online eBay…
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Transferring Cash ISA but not depositing
With this year's Cash ISA allowance I now have as much as I want to keep in cash. Next year I want to start a S&S ISA. When I transfer my Cash ISA next year, how does it work if transferred to a provider that requires a minimum deposit? Do I make the transfer in, deposit £1, then subtract that £1 from the max of the…
