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I need advice on the money I want to save.
Hi everyone. I am saving quite a fair bit of money for my age at the moment, and I was wondering if anyone can recommend the best way to do it, and any bank accounts or anything which would suit me. This will be the money I can save: January 2012: £1791 April 2012 : £1815 September 2012 : £1791 January 2013: £1791 April…
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IFA/people with money advice - £600,000
Hi all I have come into a large sumk of money,but don't know where to start or what to do with it. I'm only young,22 to be precise. I have been to see a IFA an spoken to a few advisors , so just thought I'd broaden my search for info/advice from any financial advisors on here or anyone who has invested large sums liken…
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investment trusts
This is Money article just written on investment trust picks http://www.thisismoney.co.uk/money/investing/article-2065240/The-best-investment-trusts-long-term-investors.html?ito=newsletter
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No Hassle Savings
Given the current EU euro zone crises is it more prudent to avoid investing savings with Spanish Banks for example. I know there is government protection up to £85,000 but I can imagine it would be a long drawn-out process to recover ones funds in an event that forced such a Bank to close.
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Baffling Halifax Savings Account Advice ??
I've just got off the phone with a Halifax banking adviser. My plan was to close 2 Halifax savings accounts (rubbish rates) and pay the balances into my Halifax Reward Account. The first problem i encountered, was that apparently, you have to write to them to close an account. You cant do it on the phone....really ?? What…
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Newbie- I want to start trding in shares
Hi I am thinking of trading in shares. I have £1K. What's the best way? How do I pick shares? Thanks Bye
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first direct 8% RS
Planning to open this, but would prefer to start it early next month. Is there a chance it could be withdrawn before then? Does the opening date set the date you have to pay in each month? And does it only allow one payment in per month? When opened will they automatically transfer the first payment from my 1st Account? Or…
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Claiming tax back on savings interest
Can you please help settle an argument. A 3yr fixed rate bond has the annual interest accumulated. Does the bond owner apply to have each years interest paid back from the taxman or does he have to wait until the bond matures and then claim it back in one go. The person in question prefers to fill in a S.A. form rather…
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Tax on US securities?
i was wondering what taxes you pay for holding US securities in the UK, in particular within an ISA. Both capital gains, and dividend payments. Does anyone know?
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investing in green oil
When my financial advisor came to see me yesterday, at the close of discussions, he mentioned the thought of investing in Green Oil. He stressed that as a financial advisor, he wasn't recommending this and wasn't allowed to anyway. He was mentioning it in case I was interested because "with his other hat on", he was…
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iii regular investments
I set up my first share purchase up on the new system to use their regular investment service (and pay £1.50 dealing fee). Should have gone through yesterday, and there were more than adequate funds in my account. No sign of it though in my holdings :( Anyone else had this problem?
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Coventry Poppy Online Saver (2)
Can't find this mentioned anywhere but the Coventry Poppy Saver (2) says in the T&Cs that you can only have one Poppy Saver at any time. On my initial one the bonus expires next June so I thought I'd open this one as well where the bonus expires next December. After noticing this I've closed version 1 and moved the balance…
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share announcements
Extract from HL daily email: "Contract caterer Compass saw its underlying profits before tax burst through the billion pounds barrier for the full year ended 30 September. The firm achieved ...... Broker Seymour Pierce said the numbers were in line with expectations ...... Chemicals firm Johnson Matthey surrendered earlier…
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Creating a HYP
Hi all, New to all this so please be nice ;) and I hope you can all point me in the right direction. So I thought it is about time to do some more investing. I currently have 20k in equities on the aim market, this was money I am prepared to lose for a chance at a good return. I now want to build a HYP to start bringing in…
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Halifax Fixed Savings T&Cs Misleading and Inaccurate
Recently my Halifax Fixed 2 year Web Saver account matured. I received a maturity letter which gave me the option to reinvest the capital into a new Fixed Online Saver account. I filled in the form, but as I mislaid the envelope and no return address was on the form or accompanying letter, I took the form to my local…
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cineworld
For the last few weeks I have been wanting to buy some shares in Cineworld but they are constantly rising (5p today) Why would they be bucking the market in this way just lately. No dividend due shortly
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Halifax ISA interest payment date confusing me
Hi, I wrote to Halifax asking for some dates on which my interest would be paid. They've kindly written back to me but I don't understand their letter. I am going to phone them but thought I'd ask here too, to see if anyone understands their letter. It relates to Halifax ISA Direct Reward Issue 4 earning 3% interest and…
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'Independent' financial advice... where? how?
For someone about to retire + downsize + draw up will + make investments etc., is there such a thing as a truly independent adviser one can hire for a consultation session? If so, has anyone actually done this and therefore be able to give me any pointers?
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Are these Credit unions trustworthy (8% rate)
Anyone saved with a credit union? According to a site i visited they are offering upto 8%. They seem to be regulated by the FSCS , so should be covered for £85K, although (don't know why) i wouldn't trust them with that much, a couple of thousand perhaps. http://www.findyourcreditunion.co.uk/about
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Invest in property or save in bonds?
I am a young widow, my husband's job left a lump sum (enough for a small property to let out) or to invest in bonds. I have no experience in the rental market, but have been trying to work out the net yields of each possibility. Just wondered if anyone had any thoughts they could share with me. all money is precious, but…
