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Governor Money - anyone used them?
I finally understand how Governor Money works. If I got it right, I can put my money in a savings account with one of their providers, and they then alert me if a better rate comes up. I really like the idea of the alerts. I usually change my savings account once a year, sometimes less though because looking for better…
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NS&I Index linked savings certificates
Any guesses/clues as to when they will be back on sale?
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asian markets
When I want to see how the US market has done, I use http://uk.finance.yahoo.com/ and click on the tab to change the market to US and look at Dow and S&P. But I cant work out how, in a morning, I can see how other markets have done that have traded whilst we are sleeping. Can someone help, please?
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£100,000
Hi, can anyone advise me how best invest £100,000
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investing matured cash isa.
I want to invest a cash isa that matures soon.I have other cash isas which I am prepared to leave. I think I would get better returns on Income shares, my portfolio includes emerging markets, Asia Pacific, China, UK small and mid cap and income with Troy Trogen and Invesco pep. The amount is about £5500 but cant make my…
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Joint accounts - funeral expenses
Hi - I have a joint account with a relative recently deceased. I tried to withdraw some money to pay for the funeral & they blocked the account. Is this usual practise with banks or is this just the Bank of Ireland? Sounds illegal to me?
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Bestinvest - Investment Advisory
Anyone have any experience of this service? On paper is looks like a good idea, there are no initial charges and no annual charges, the only costs being the AMC which the funds pay to Bestinvest and none of this is rebated. However it appears BestInvest don't make much money out of it, so I wonder what sort of service they…
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Another stupid question about dividends
I posted recently about how dividends were paid on shares and received some helpful advice. I'm hoping somebody can also help with this one - I have a HL Isa in which I have invested in various funds. My question is how dividends are dealt with on funds - until now I had always assumed that with OEIC funds, the dividends…
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How best to invest for our child
Hi Our daughter (10 years old) currently has just over £5,000 in a childrens savings account (only paying 1.05% interest) and a further £15,000 in childrens bonds (this is the amount paid in, waiting for a statement to show final balance including interest). The childrens bonds earn 2.50% pa interest. Given the above…
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ISA rules advice please.
Sorry if this has been asked before. I have £5640 to put into what ever appears to be the best ISA this coming April( after 5th.). I also have a previous ISA(4 yr with Birmingham Midshires) valued at £3600 which matures on 30th April. I wish to transfer this in to the best ISA that allows transfers. Am I allowed to top up…
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ISA querys
Hi, me and my wife both have a cash ISA with natwest, paying 2% interest. We both have between £2,000 & £3,000 in. We have both paid in to it this tax year, not upto the limit (haven't got that amount of money :( ). Was looking at transferring to the Marks & Spencer, 3% AER Unlimited access. Transfers allowed. I know its…
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cash savings
are there any accounts out there where you can pay loose change in over the counter ?? i have a post office instant saver but it closes in july.
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Astrazenica or GSK
Have been thinking of investing £3000 in one or the other as a defensive stock with reasonable dividend. I dont really know which one to go for and not sure it is possible to sensibly choose but both now ex divi today and so have dropped. GSK has gone down .2% Astrazenica by .9% which makes it look quite cheap. Why as they…
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Help, I'm saving too much money!!
Hi all, I'm looking for some help as I'm in an unusual situation of being cash rich as I look to buy a flat/house in London with my girlfriend. Previously I was saving £500 a month in to my cash ISA (pays 3% interest) however last month my girlfriend and I moved back in with her parents for rent free accommodation so we…
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Skipton ISAs
I have a Skipton easy access ISA that offers a poor 1.5%. When I opened it in 2010 the rate was 2%. Now I see the offer an online one at about 3 3.2%. Does anyone know if I can simply ask them to swap my old ISA into the online one? My current one pays interest yearly. Thanks
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Professional Finance people no better than amateurs
shortfall on endowment mortgages with Aviva Just to remind everyone that you should be very aware to treat any advice from any finance advisor (salesman) or whatever with a large pinch of salt. Endowments have hit the headlines again, some 70,000 people will find out that their endowments will not cover their mortgages.…
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2 savings questions - long term safety & medium term risk for VERY small amounts.....
Firstly, I’ll apologise in advance for the fact that this post contains some really silly questions and statements, but having conducted quite a bit of research, I’m back to square one and still stumped. Also, apologies for the length of the post. Additionally, I do realise that any replies to this post don’t constitute…
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switching funds and cgt
Hi, I currently hold a couple of thousand pounds in a hsbc ftse all share tracker outside of an isa and was thinking of switching them to the equivalent vanguard tracker by selling the former and buying the latter on the same day. I did a bit of research and found out that you are not meant to buy the same investment for…
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Interest if you withdraw/transfer...
Hey guys, just a quick one... If I transfer my savings of about £14000 from one ISA to another (looking at the Nationwide one featured as a best buy Cash ISA) are there any penalties for using the cash before the end of the financial year (April 2013)? I want to max my saving in between now and June/July as then they will…
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Provacy issue - bank
Hi, I have just paid a cheque into my account which is a five figure sum. Suddenly I get a phone call from my bank asking me to come in for a review so that they can advise me how to best invest this money. I do my own investments so I am not interested. Now my question is can I write to them telling them not to ring me in…
