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Building an investment portfolio
Hi, was hoping someone could give me a bit of wisdom please. Currently hold: A small amount (£2k) of shares in couple of listed entities. S&S ISA (£5k) in Global High Income Retail Accumulation Units Looking to invest: 2011/12 S&S ISA (£5k), possibly a FTSE tracker 2 S&S ISAs (me and OH) for 2012/13 tax year. Would really…
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Paying off mortgage
My mortgage rate is 4% but my ISA is only 2.65%. Should I move my savings out of the ISA to pay funds towards my morgage?
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BlackRock Gold & General
I am thinking of removing this fund from my ISA, it seems to be performing very badly, and hasn't been able to perform well this year, despite many other funds doing well. What do you think?
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IFA paperwork
After recently taking advice from my IFA over the phone, I find I won't get any paperwork till it's all done and dusted re change of ISA funds / investments. Is this correct? Shouldn't he have sent me some written reasons for his recommendations first, not last?
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Paying in to a joint account
Please can anyone tell me if cheques have to be in both names to pay them into a joint account or if they can be in either name on the account. Many thanks :D
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Short Term Savings
I am giving my daughter £20,000 towards the cost of an extension to her house. The money has come from the proceeds of a relative's estate and is in my current account, not earning any interest. The work on the extension is unlikely to start for a month or two. Anyone like to recommend somewhere where I can get at least…
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Help with our investment
Hello, I think it may be my first time on this particular part of MSE. My husband and I are hoping to receive about £70k from the sale of our house in Spain. (Fingers crossed!). We have a small mortgage of £30k on our English house, which is a fixed rate of 3.04% for two years. It lasts until 2023 unless we pay it off…
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Use money from Halifax or LTSB to fund ISA?
At the moment the OH and I both have 3 LTSB Classic accounts with Vantage with £5000 in each one, total £30000, earning 3%. We also have a joint Halifax Web Saver Reward with £10000 which is currently earning 2.8% + 0.2% Reward bonus. The reward period ends on 3 April when it will drop to 0.15%. I obviously need a new home…
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Norwich & Peterborough Reg Saver - Payment dates query
Regarding the monthly payments... With First Direct they have to be on the same date each month - your "anniversary date". With NandP, if i begin my payments today (15th), can i then deposit the next month's payment on 1st April (so calendar month), or does it have to be the 15th of every month?
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Saving across accounts
Hi, If I put £5000 in one fixed-rate account and £5000 in another with the same rate would the interest equal the same as if it was in one (or will they mess about?)? I have £10,000 I want to save but I dont want to tie it all down for to long (I'm graduating so dont know what I'll be doing next year). I cant tie up all my…
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Buying Shares Online - Advice needed!
Hi, I'm thinking about investing in shares but I'm completely new to this. I'm thinking about doing it online through x-o.co.uk and so my first question is, how safe is this website, has anyone had any first hand experience with this website in the past? Also, what is a Nominee Share dealing Account and would I be better…
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3D Printing
Been seeing lots of investing article noise recently around investing in 3D printing, the market potential, growth prospects, etc. I've got my eye on a US company which I'm going to do some research into, and I can stick it in my ISA which is a plus. Just wondering if anyone else is looking at this as an investment area?
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Limited Company - Investment Possibilities
Hi, I'm currently a director of my own little limited company. After taking a salary and dividends to maximise tax benefits there is still a decent amount of profit left in the company. On top of this is money which I owe as corporation tax. According to my accountant my first payment isn't due until mid 2013 so that money…
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L&G Emerging Markets Index Fund
Hi all, Just wondered if anyone has had any dealings with the above and if it looks like a good fund to be investing in? I would like to invest £125 per month. Thanks
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Cherished numbe rplates - an investment?
I have the opportunity to bid for a numberplate that I would quite like. This is primarily a vanity purchase as my initials are not that common, and don't make up any desirable words. The plate concerned has a small number of digits so is going to be relatively expensive. I am trying to work out what this vanity is worth…
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tax implication of selling an investment
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Aberdeen Emerging Markets
All, A see on Hargreaves that they state that Aberdeen are no longer accepting new business into this fund, but you can still fund it via a Vantage account. Does anyone know any other ways I can fund this, or anything else that is similar? Thanks
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Naked trader email??
Hi all I used to receive the Naked trader email?? and now he has stopped sending it to me. Has anyone else had similar or is it just me ? Thanks
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Stock Market Plus500
Hi, I came across the plus500.co.uk site earlier today and I noticed their offering a no deposit £20 deal at the moment for trading on the stock market. I'm new to the game but understand most concepts behind the stock market, shares etc but wanted to know if anyone uses this site or could recommend a better one (or better…
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Best dividend shares
Hi all, Just came across the following article on thisismoney.com: "Six of the best dividend shares that deliver 5% or more" The companies named here are: Centrica. Vodafone, Shell, FirstGroup, NationalGrid, GlaxoSmithKline. I would like to pick three companies that yield a good dividend and would like to invest £2000 in…
