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X-O Share Dealing Account Transfer
Following the Interactive Investor fiasco, I have decided to transfer my share holdings to https://www.x-o.co.uk. I'm sure there are others here who already hold x-o accounts, or who are in the process of transferring, so I'd appreciate it if they could answer a few questions I have: (1) My holdings are split between an…
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Help on Saving on Water Bills
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AER calculation
Can anybody show me how I can find the AER please? Invest 150,000 for 4 years 3.5% for year 1 2.0% for each of the other 3 years AER over 4 years. Cheers
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Stocks and Shares ISA for small amount?
I'm trying to decide whether to put my £400 into a cash ISA (whether easy access or fixed rate) or get adventurous and try a stocks and shares ISA. I don't mind not touching the money for 10 or 20 years. I already have easy access cash ISAs I know nothing about stocks and shares, investing, etc except the little I've just…
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Disposable income
Due to circumstances changing, I am currently selling myhouse and moving to a new area for work. I started the job 18 months ago and during this time I kept my propertyat home and rented a room from a friend near work, I am quite happy with thisarrangement and like my job, so I have since put my house up for sale…
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Tax treatment OEIC
Guys, Short question. If I have got shares in a onshore equity OEIC that is not distribution dividends (so accumulating, which means I do not get dividends as fund investor), do I have to report any 'reporting' dividends (as is the case for offshore funds) and do I have do make any correction for underlying dividends (from…
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Investing in Turkey
With the interest rates here being so low at the moment, I have been advised that it might be a good idea to invest some savings, which are simply sitting in a savings account at Nationwide year after year earning next to nothing in interest, over in Turkey. Apparently any of the major high street banks in Turkey offer a…
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moving savings when emigrating
I am emigrating (well returning to Australia after 25 years in the UK) with my spouse and hopefully 2 small children (second one on the way) in early-mid 2014. Spouse has a full time job waiting for him there. We have a house to sell which is currently rented out but market value about £150,000; the mortgage on it is about…
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FSA Compensation scheme?
I hope someone can offer some advice we are investors in the Arch Cru investment fund which was suspended 3 years ago. We have received an offer from the £54 million compensation scheme and we thought it was about 20% however the figure equates to below 15% can anyone help we are in the investment fund? This is all very…
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Anyone else had problems applying frora SAGA ISA ?
After readingMoneySavingExpert's advice concerning the highest rate ISA's, on the 18th May this year I completed an Online Application for one of SAGA's 1 Year Fixed Rate ISA's with 3.60%. On 23rd May I emailed SAGA to query why I hadn't received any paperwork and they replied telling me that an application form was posted…
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Any way you slice it Germany wins.
http://finance.fortune.cnn.com/2012/06/07/germany-control-eurozone/ Logical analysis?
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Santander esaver 5 interest up?
It looks like Santander have raised the interest rate for their esaver issue 5 from 3% to 3.2% and it seems to apply to new and existing accounts from 9 June 2012. See HERE
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Can anyone spot a problem with this savings plan?
Hi all We are about to take a lump sum out of our mortgage and put it in savings accounts which even after tax will earn more than we are paying. Please can anyone see a problem with the following? Borrow 18900 from Santander flexi mortgage @ 0.49 above BOE base = 0.99% Put into PO easy access at 3.17% Drip feed into the…
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FP to Coventry BS
I just did a Faster Payments transfer from Nationwide to Conventry Building Soceity, so far it's been over an hour and no money has turned up at Conventry. I thought faster payments are normally within a few minutes, anybody else had problems transfering FP to Conventry.
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TescoBanks and no BACS?
I am trying to transfer a lot of money out of my Tesco account, but their appears only to be two options to get money out, Faster Payments or CHAPS. But their faster payment is limited to 10,000. And if I try to transfer more they say I need to call them. Have Tesco stopped using BACS? Currently waiting for the other party…
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How best to use an inheritance
I have inherited £85k and am wondering how best to use it. I am in my mid 40’s* Mortgage – Paid off already * Debts – None * Pension – Have been in a company scheme for the last 12years but have a rather patchy contribution history prior to this. However, I don’t like the idea of locking the inheritance cash away in case I…
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75k Saving
i am wanting any advice on the best acount to put £75000 in, i dont need to get access to it for a year so looking at either a one fixed rate saver or instant/restricted access accounts? any advice would be appreciated.
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lump sump investment advice
Hi All, I want to ask a bit of advice, we are about to inherit a lump sump of 100k and we want to make it work as hard as possible to allow us to change our lives. Current situation and options: We have already used 20k to make an early payment on our mortgage. (5.99% fixed until end of 2013 ....ouch) And we are using a…
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Share offer or loan note?
Hello, Can anyone please explain both the cash offer and loan notes involved in the takeover of International Power by Electrabel and what their options involve? As a shareholder of International Power I am now being offered 418 pence per share or alternatively the offer of a loan note which will probably be £1 per share.…
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Savings advice - I know nothing!
Hey all, Just after a bit of quick guidance - I'm not expecting to be spoon fed (unless you're really bored!), but some general advice would be good with links to where I can find out more. Up till January this year, I've always been in debt (thanks to an ex running up £15k of debt, and me finally having paid off every…
