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transfer funds held in peps
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peps and isa's, urgent advice needed!!!!!!!
Hi All, I'm a newbie in need of some urgent advice. When I bought my first home I took out a pep to repay the mortgage. I later changed the mortgage to repayment but continued to pay into the pep, which I am still doing. I had forgotten all about this and opened a cash isa a few years ago and also a stocks and shares isa.…
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Advice Needed For Small Fish
Hi All, I cannot make overpayments on my mortgage and all outstanding debts are paid, however for the last number of months I have an excess of at least £3000 that I'd like to put to more use. I have £200 in Premium Bonds and no ISA, what do people recommend? I don't mind taking a risk and I'm prepared to lock my money…
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Just Wondering...
I have about 4000 sterling, but currently living in Dublin Ireland. Should I keep the cash in sterling or deposit money into 3% interest savings account but in which I will probably loose on the exchange rate...not quite sure what to do, any advice would be great thanks:)
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Shares Lost
I left my company in 2008 with £20,000 in which I started dealing in shares with one of the high street investment arms. I was making small returns each month until the banking crash. At the time they were allowing me to purchase shares up to the value of £65,000 but still with only £20,000 in my account. What happened…
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£5000 to invest but where?
Easy as that really, i have £5000 to invest and don't mind locking it away, where would you money savvy peeps suggest?
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Ns&i
Hello and thanks in advance for saving me money, with a little one on the way pennies make pounds and i need to grow up:beer: Right business - My grandparents set up a PO account for me when i was born and paid in each year on my birthday, i could get this money out (and did!) without too much fuss! NS&I as they now are…
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Savings - parental control over 18
Is there any way a parent can store a child's investment until they are 21. My child will be 18 next year but has 20,000 their grandmother left them. If they got their hands on this sort of money at 18, it would be a disaster. Thanks
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Startup company
Been offered some shares in a startup company from someone I trust and in a company I think will do very well but what are the key questions I should be looking to ask? Can only think of when can i sell my shares at the moment and how much do you think they will be worth in x months. thanks
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Kids savings
Hi all, just looking some advice on kids savings. i have two kids ages 6 & 4, they both have CTF's (shares acc) with FC. i also save £25 each per month into the Halifax child acc which has a rate off 6%. i plan to open a new one each year in different family members names for them. I am just wondering should I maybe just…
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HSBC has increased it's Regular Saver rate
New Regulars saver rate for free accounts holders is 6% as of today. http://www.hsbc.co.uk/1/2/savings-accounts/regular-savings-accounts?HBEU_dyn_lnk=SavingsAccount_FilterTool_RegularSaver_More_Btn Used to be 4% as still shown on this website. http://www.moneysavingexpert.com/savings/best-regular-savings-accounts
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ISA headache
I have reread and reread Martin's ISA guide but I'm still not getting a couple of things. Hoping someone can help? My Boyfriend has recently opened a clean rate ISA with Virgin and there is about £1200 in there. We may be able to get another £1000 in there before the tax year ends. Can he open (another) ie. the same clean…
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Barclays staff off sick so can't open account
I currently bank with Barclays. It is convenient to get to the bank if I need to otherwise it is a 15 minute drive to my nearest bank. Last Friday, 9th, I tried to open a monthly savings account using their on-line facility but their website seemed to have a fault and despite conversing with one of their people with an…
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What would happen if a SIPP provider went bust
Hi all I am looking at moving my pensions to Hargreaves Lansdown for managability reasons. Essentially all of my pension would be invested in various well regarded funds (Invesco, Troy, First State owned funds for the most part). I would generally not hold any cash on account It did get me wondering however - what would…
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Halifax Save4it - what to do with the money for better interest
I have 2 children (aged 5 and 3) each with a rolling Halifax children's regular saver. Their Halifax Save4it accounts now have £5100 and £2400 respectively. As the interest for this account is only 1% I would like to find a better home for it. However as both kids are part of the CTF generation they are not allowed a…
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How to go about selling shares
Hello A complete numpty question here. Parents have some shares from their former employers (both retired 10 years ago), they are looking to sell these shares and invest in an ISA. Could someone guide us as how to go about this please? I've googled but can't find anything relevant. No idea of their value at the moment, but…
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Best children's savings?
Hiya I would like to set up a savings account for my daughter who is 10. She just missed out on the trust fund from the goverment, however my youngest daughter didn't so she will have a bit of money when she turns 18 but my eldest daughter won't, so i would like to set her up something. What's the best one to go for? I…
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Investment Trust Choice's for ISA?
I have been reading that Investment Trusts are a more cost effective route to invest than Unit Trusts with lower charges. I already have a broad spread of self select share holdings & looking to further invest for this years ISA. Any suggestions for either UK or Global based Investment Trusts with a consistent performance?…
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Quick Share Sale
Hi all, Need to quickly sell some shares to release some capital for an urgent payment I need to make. Question is which ones should I opt to sell as I no longer live in the UK so have no idea what's good and what's not!?! I need to raise around £2000 only... Thanks in advance everyone.... :o
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Cahoot want salary details for fixed rate investment
I just started an application for a Cahoot 1 year fixed bond investment and the firstpage is asking me for my employment and salary details. I am staggered – surely this information is totally irrelevantfor a savings account. Any idea as to why they are asking for this information – itis mandatory. Paul
