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Fixed Rate Bond
1. My wife, a full time domestic engineer, so non-tax payer, has got a two year fixed rate bond with Nationwide maturing at the end of this month, and wants to re-invest it. The sum is £200K. 2. Nationwide's currently only has two fixed rate bonds, a 6-monthly, and a one year. The one year bond only pays 2.5%. 3. So she…
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MSE News: Farepak group 'to demand more compensation'
"Farepak campaigners are reportedly set to press a bank for an additional £10 million in compensation..." Read the full story: Farepak group 'to demand more compensation'
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replacement for halifax guaranteed reserve
I've been told by the Halifax that my Guaranteed Reserve Account of about £40K, which was a two year investment, will mature in a few weeks and would I like to transfer across to a Halifax Fixed Saver. There's a comparison of conditions which indicates the main difference is early closure on the Fixed Saver gives a greater…
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Vanguard life strategy
Hi All, i am looking in to putting some money in to vanguard life strategy, what should i bear in mind when deciding which one to invest in, will be looking to put an initial £1000 in and then drip feed. thanks
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Emergency Savings
Hi all, me and my partner have started to save up an emergency fund and as I've never saved for this before I was wondering what everyone/anyone recommends. Firstly, how much should we be putting to one side? I originally thought a months wage for each of us might be a good place to start, so around 3k. Secondly, where to…
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Investing in Libya, Iraq etc through ISA?
Hi, I am investing my mother's ISA. I woudl really like to buy soem stock in Libyan companies, Iraqi companies etc. Her ISA provider, Hargreaves Lansdown, are not able to do this. A) is this sort of investing permitted by HMRC?, B) Does any one know an ISA provider that would let me invest wherever I wanted?
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How am I fixed?
Hello, I know from reading a lot of posts here that you will need a fair amount of info from mr in order to advise me. First of all I am bi-polar and as such at times I cannot see the wood for the trees when I try to assess my financial situation.....I am at the point at the moment. On the face of it I think our (I am…
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Best place for £12k house deposit
Where is the best place to put just over £12,000 for a 3 - 4 month period? The money will form part of the required amount for a house deposit. I could put circa £2k into my ISA to use up this years allowance but I'd like the rest to into the highest rate account. Thanks for the your help!
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investec 100 3 yyear track 16%
hi i have some spare cash that i am happy to invest for 3 years without touching it, what are peoples views on the above investment? as far as i am aware you get 16% as long as the ftse 100 is higher in 3 years time than when opened? what are your views on this, i know the future is even more unpredictable but do you think…
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Isa
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IFAs - after 31 December 2012 will you be an IFA or an RA
come the new year - 1 jan 2013 to be an ifa you will need to be qualified and be able to offer advice across the full range of the finance area. if you can't you will be termed as a "restricted avisor" so to all those ifas out there what will you be? you've only 5 months to decide..... fj
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Holding Shares in an ISA
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Best place to invest small amount of money?
Hi folks :wave: I am new and after a bit of advice if I may :) After a nasty few years I have managed to sort myself out and get my finances straight. I purchased my new place in December and I am properly settled in now. I have around £200-£250 a month spare cash, after all bills and enjoyment plus, maybe, £1000 to invest…
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Savings Advice.
I'm Saving up for a house and have done well over the last few years of savings. I'm now having trouble with the bank I'm with as they are not helping and not giving me any advice. I have two accounts: Account one 2 years of ISA savings on Santander's DIRECT ISA (ISSUE 8). Balance £9,175.20, Last renewed 29/06/2011, I…
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etoro
I joined up recently to something called EToro a forex trading platform. Only put £50 to try it out. Does anybody have any experience of the platform.
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Investment for child that will be inaccessible beyond 18
My parents want to withdraw the savings they have put aside in my children's savings accounts that they have set up for them as they are not achieving any interest. They would like to invest in some sort of a plan that would mature after they are 18, as they will be getting a lump sum in their child trust funds at 18, and…
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£7K to put away and would to add to it monthly - not sure where to start!
As the title says, I`d like to lock away £7k and add to it every month.. however not sure where to start! Havent got an ISA - perhaps put a lump in there and open a savings account? I bank with Natwest.. Any help is much appreciated!
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Savings advice?
I'll try and keep this brief! We have recently had a small endowment mature, and have around £5,000 to play with. This money was from an endowment linked to my mortgage, but matured 1 year into a 5 year fixed rate, with charges linked for overpayment or early repayment. Obviously paying it into my mortgage account at this…
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higher tax - paying tax on (non ISA) interest?
hi i'm a higher tax payer (my total income is about £55,000 per year). i started to hit the higher tax level sometime during last year's tax year. during last year's tax year i received (non-ISA) interest in my bank accounts. only recently have i read about the fact that i will have to take care of paying higher tax on…
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Small investment
I'm looking to invest a small monthly sum for minimum 10 yrs. (£10 to £20 a month) I'm thinking a stocks and shares ISA would be a good idea. Am I right? What woud you recommend please? ---and why.
