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Under the mattress or save
Hi Guys, You obviously know what's best here but is it best to save a couple of thousand pounds or pay it off your mortgage as interest rates are so low. I am just looking for some advice really? Thanks:j
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letter of indemnity stamp for lost shares?
hi to anyone who can point me in the right direction please. I need to get a couple of letters of indemnity signed and stamped for my mum's lost shares certificates and her bank (rbs) used to do it for free but have now stopped. A local broker wants £40 per stamp/signature. SO please does anyone know where to go thats…
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Cheshire BS application problem
Hi, Just wondered if anyone else was having problems with the Cheshire BS. They currently have a Fixed Rate bond paying a decent rate and on the 9th of this month i.e. almost 2 weeks ago, I went on-line, completed an application for myself & one for my partner. I printed them off and sent them together with 2 cheques each…
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Which halifax account?
Hi everyone, We currently gave two accounts with Halifax, an ultimate rewards current account and reward current account. We have finally got the last of the £300 to pay off the ultimate reward overdraft. We want to down grade this account as we are paying £15 for it and we don't use any of the rewards. Which Halifax…
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2yr Fixed Cash ISA - yr2
After the 1st yr can you put the yr2 cash allowance into the same ISA or do I have to open up a new one?
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Shares - How an i find out how much they are worth
I bought shares over 20 years ago in Television South - they then got taken over by International Family Channel and i received share certificates - i forgot about them till recently and now want to know what they are worth. I know they got taken over again by Fox TV and are now owned by ABC Family Channel. Do i now own…
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Are premium bonds worthwhile now
I used to own premium bonds a long time ago and used to get a bit back from them now and again. They were eventually cashed in when i bought my home. Im now in a position to invest again however im unsure whether premium bonds are the right way since theres so many in the pot compared to my first lot. Would it be wiser tro…
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Savings accounts with Visa/mastercard?
Hi Guys Looking to get a joint account with the gf to save for holidays or the eventual wedding etc, are there any savings accounts available where we can get Visa or Mastercards so we can spend quite easily or would we have to look at current accounts for that. Thanks :)
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td waterhouse
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TESCO BANK 24/7 internet access
Up till June 2011 i had 24/7 access to the savings accounts for years. Tesco Bank brought in a new security system which to date cannot restore the 24/7 access.Being disabled, almost house bound i have no use for a mobile phone nor have one .They insist on one to text me. I now get a use once only pin by post takes 6 days…
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Opening accounts in trust for children
Hello, the mother of my children has recently died leaving some cash. They are both under 18. I got some advice about what to as there was no will and we were divorced. I have obtained letters of administration and will soon have access to the money. My question is, how do I invest this on behalf of the children? Do I set…
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Newborn child bank/saving accounts
Our new baby is now receiving cheques from family members, so we want to start saving them in our baby's name. Any tips on the best / most useful easy access / savings accounts to open, ideally we want to be able to move the money into other places too, buy some premium bonds in our baby's name etc, do all child accounts…
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A couple of interesting docs from Vanguard
I found these two interesting. First is this one, which clearly belongs in the "well, they would say that" stable were it can enjoy rubbing shoulders with Bernstein, Hale, etc. https://www.vanguard.co.uk/documents/literature/pdfs_for_literature/EDguide_Core_Satellite_FINAL_190510.pdf Figure three and the analysis beneath…
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Northern Rock back to private sector
Received the following e-mail last night, couldn't find this info in another post- _________________________________________________ SAVINGS Dear Customer(s) This communication contains important information about Northern Rock I am pleased to confirm that the Government has decided that the time is right to return…
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Have you considered Preference Shares?
Preference shares don't seem to get mentioned much but as I've just bought a bunch I thought I would pass on my findings. Firstly, what are they? You trade them like ordinary shares, but they have the following differences: 1) They pay a fixed rate of income. Either to a fixed redemption date when the capital is given back…
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Am I on the right track?
Good evening all this is my first post so be gentle as I'm not sure if I'm in the correct section. Me and my partner have recently had a baby and are currently living with my parents and all the savings we had have gone towards paying off bad debt we had accumulated and Christmas presents :santa2: (very organised since its…
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What's the logic?
Today stock markets are falling again and gold is down as investors sell heavily. Market analysts suggest that "fear that neither the U.S. nor Europe are able to tackle their sovereign debt problems drove investors to the dollar." Can someone explain why, if one of the fears is that the U.S cannot tackle its debt problems,…
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Let down by Lloyds
Hi all I am very used to moving savings around and keep up to date with rate expiry dates. However, I rang Lloyds today to query the 2% interest that they had given to the monthly saver account. I opened this account in the branch at a rate of 4% fixed for a year. Lloyds (after transferring me to many different teams) told…
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Share Certificates
I hold some Carnival shares purely to take advantage of the perks offered on their cruises. They are held for me in a nominee acount by HL and therefore I do not have the share certificate which is usually required by Carnival as proof of my shareholding at the time of booking. What is the procedure if I want to hold the…
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yorkshire Bank
I was thinking of investing £100,000 in the Yorkshire Bank over 5 yrs at 5.16% and taking an annual income. As I am currently not a tax payer this seems like a good return for me. I was just wondering what the forums thoughts were on this bank/deal compared to others.
