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Phrishing attempt?
I've just receieved the following. Is this a phishing attempt? I think it is but not certain. (Actually, I've just notice the incomplete sentence so I suspect it is a fake). Welcome to Internet Banking: Ownership Authentication Guide [FONT=verdana,arial,helvetica,sans-serif]Dear Customer's,[/FONT]…
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Lump sum redundancy £24k - how to maximise it?
I am about to receive a lump sum of approximately £24k due to redundancy. I have been very fortunate in that I was likely going to resign from my job after maternity leave, so this money is a huge and unexpected bonus. We are in our late 20s, have 1 child and no debt apart from a mortgage of around £190k (which we aren't…
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Consolidating losses
A lot is spoken about consolidating your losses if you pull out when the going is rough and your chosen fund down. Pardon my ignorance, but if you have say a fund which is in a sector getting a ropey ride and has bombed, and you instead of selling , exchange it through a supermarket for a more productive fund (one would…
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so i went to the bank
(well actually the building society but i reckon its harder to tell the difference now a days ) looking for some I.S.A stocks and shares advice and was told to invest in the following Jupiter Merlins Income portfolio ( acc fund) M&G Recovery A fund ( Acc fund) First state Gbl Emerging mkts leaders A fund ( acc fund) this…
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Becoming an IFA
Hi everyone Im hoping someone could give me some advice on becoming an IFA. Iam currently thinking about changing my career and becoming an IFA. Im thinking about doing the Certificate in Financial Planning through the Chartered Insurance Institute but I dont have any relevant work experience working in Financial Services.…
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HSBC World Selection Dynamic Portfolio
I invested £20,000 in the HSBC World Selection Dynamic Portfolio in April this year, I was persuaded to invest as they reported returns of around 15% per year. The investment is now valued at just over £16,000 and I’m starting to panic. I’ve contacted the HSBC and I’ve been told not to worry they are the world’s biggest…
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Financial advisers-please help me!!!
Hi, I originally posted this thread on another thread, but was advised to re-post her as several IFAs use this forum. So, here goes... I was convicted of assault back in early 2003, and was sentenced to 6 months in prison. 8 years on and having tried to put my life back together as best I can, I'm now thinking of pursuing…
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Find your current rate on savings
Just a quick heads up for those who, like me, have trouble locating the current interest rates on their savings. A new site has opened called Savings Champion which claims to be able to find the current rate of interest payable on any savings account. Haven't tried it yet but sounds like a good idea if it works. It might…
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Halifax - Why is it soooo difficult to open an account!
I've been trying for 4 weeks to get a weekend appointment at my local Halifax branch to open new Regular Savings accounts for the children but it is just impossible. They are constantly booked up solid. For some reason which I don't understand you have to have a 1hr appointment (and yes it really does take that long…
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Safe haven in troubled financial times
Does anyone have a take on the level of risk that investments should be at in these troubled financial times? We have ours at say 3 or 4on a 1 to 10 scale (safe as houses to very risky) We see the troubles of the Euro Zone looming and are thinking of ratcheting back to say 1 or 2 for a while. We are with an IFA so will be…
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confused when looking for savings account
Please can anyone advise or does anyone know of a instant access account that lets you deposit over the counter - that also lets you do transfers online I am starting small so no min opening deposit would be ideal. Many thanks in advance.
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£60,000 / year + free accomodation for 6 years
'Disabled' wedding dance man jailed for benefit fraud Now I've never found out the person who was credited with the saying: "Crime doesn't pay" Was it Winston Churchill ? Tony Blair (only joking) Nobody seems to want to claim that one ...do they ???? Q. Have they ( London's Camden Council ) got the £400k back... A. No it's…
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HSBC Lost Savings Access Book
Hi just a quicky, Me and my partner need access to his HSBC savings account ASAP, however his passsbook savings book whatever they call them these days has gone missing... He doesnt have a passport or driving license, therefore no photo ID. How can we get access to the money? he is home late so cant call HSBC so I was…
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lost share certificates? replacement charges
hi, i am trying to replace 9 lost share certificates and am being stonewalled on the cost. I need a letter of indemnity for each hold ing and this needs to be countersigned by either a bank, insurance company or financial house. The share registrars have quoted a price per holding (pending value of shares) which seems a…
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FTSE bounce?
The FTSE has just bounced back up over 1% in just 40 minutes between 14.00-15.00 this afternoon. Eased back a bit afterwards. I've trawled the news and can't see any positive news released around this time. Last news: Bank of England policymaker says UK faces appreciable risk of recession Italy debt collapse would end…
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Legal & General Inflation Protected Deposit Bond Issue 1 (RPI based)
Hi guys Wanted to let people know about this. It seems to be aimed at intermediataries primarily, but it seems Northern Rock are selling it. http://www.northernrock.co.uk/savings/find/savings-accounts/LG_Inflation_Protected_Deposit_Bond_1_%28ISA%29/ 3.27% AER or inflation (RPI) if higher. 5 year fixed term. Pretty good…
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UK Alpha Trust, Legal and General
I'm after advice on this investment. Above graph shows the sectors it is invested in. Source:http://www.legalandgeneral.com/investments/choose-a-fund/actively-managed-funds/uk-alpha/ Risk attitude: Medium I'm simply after your thoughts and opinions. I will start investing small amounts, either 500 lump sum or 50 monthly to…
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11k savings - where best to place it
I have an 11k lup sum which I would like to save. I plan on spending this in approx 6 months, as I am looking to put this money towards the purchase of a new house. I also plan on adding to this sum over this time (approx £500 per month for 6 months). Am I best going for a straight forward savings account, or splitting the…
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Saving for a deposit
DH and I want to start saving around £1k a month for the next 3 years to save £36k as a deposit for a house. There are so many savings accounts around it would be great to get some advice on which account would be good interest wise as it seems to be a minefield that you can read about forever so whilst doing my own…
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Nationwide qualifying account.
Hello all...just a question about an account I have with the Nationwide...it is a pass book account with 108 pounds in it that I never use, the only reason it is still open is that it qualifies if they ever changed from a building society to a bank for shares...it been open for years. Now I hope the savvy of you out there…
