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Help me choose a savings account for small amounts over long period
I am putting £4 a month aside for my nephews' 18th birthdays, when I will give them each £400, so it's nice and fair and a round figure. One will be in 2028, the other in 2029!! So I am looking for a very specific type of savings account. I have no need to access it for many years, but I want to make a very small monthly…
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FSCS 85K Protection Halifax & Lloyds TSB
Both part of the same banking group but currently both have separate £85,000 FSCS protection so you can have up to £170,000 in the two and are covered. Are there any plans to change this at anytime in the future as they are both part of Lloyds Banking Group?
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What to do with the Loot?
Hopefully my house sale will go through near the end of this month and I should have around £80,000 left after all costs etc. I'm renting at the moment and looking to buy so this loot will be for the deposit. What should I do with the money meanwhile? I assume a cash ISA. Do I inform my solicitor of this or does the money…
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What are subscription products?
Hi If someone said they were investing in Private Equity, Hedge Fund and Structured Products subscriptions what would this mean? Cant find anything online Thanks
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Best current account for kids
What is the best account to set up for my son. He is only young but I want to teach him about saving his money. I want him to be able to take it out when he wants to buy things, but just to get the understanding on saving.
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Unreliable Financial Advisor
I recently invested some money with a "reputable" financial advisor. He invested my savings and consolidated all my pensions into Templeton Bric. At the time of taking this out I didn't realise how high risk the fund was and basically, although it made alot of money in the first year or so it has now lost quite a lot.…
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Need help tracking down deceased persons ISA
As executor of the Will of a recently deceased person I checked through all paperwork etc. and found a note on his iPhone stating ISA account with ref WS followed by 7 numbers. I cannot find any paperwork for this so really need to find what Bank, Building Society this could be in. All help appreciated.
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Part-time halifax
Has anyone else experienced difficulty consulting a Halifax Savings Adviser? I have two Children's Accounts maturing 20th July and needed advice on what to do with them. When I rang for an appointment I was told I couldn't get one until the 28th August! Apparently the Savings Adviser only works part time and has a long…
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Saving and Investment account abroad
Hi All I am living at UK almost 3 years and now I am planing to buy one house here. I have some money at my saving and investment account abroad that I have before coming to UK and I would like to send this money to my UK account So I would like to know if someone know if I will pay some TAX and How much will be
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Shares transfer
Hi all. I had some shares in a share save account at Barclays registrars that I no longer had access to (forgotten password etc) so I decided to transfer to my own stockbrokers account so I could sell when I wanted to as I used this account frequently. I requested the relevant forms from registrars and waited. The forms…
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Shareview -no certificate in envelope they received!
I'm just doing my research before the proverbial hits the fan! I sold my shares online through the Shareview website. I then posted the paper certificate along with a form they had asked me to sign by recorded delivery. A few days later, I received a call from Shareview confirming receipt of the form they had asked me to…
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Any suggestions on what to do with my savings?
I have a bankruptcy on my credit file so I'm limited to the kind of bank account I can open. Basically I'm with Natwest and have an e-ISA and e-savings account. I have around £9000 in the ISA and I'm not allowed to make any more deposits this tax year. I only get 1% interest on the e-savings account so I'm trying to find…
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Investing money for children
My younger children have inherited a five figure sum each as a result of an inheritance. I am at a loss as to what's best to do with the money for them. The eldest is 17 and will turn 18 next March when she will presumably be able to have the money under her own control. My other two children are 14 and 4. The youngest has…
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What is the best account to do a 6 months with?
I've been on various sites and I still do not know what is the most suitable account I can save for about 6 months. I am going on holiday next in July 2013 and I just want an account that I can put money away for 6months without the temptation to withdraw help anyone?:o
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Contracted out of SERPS
I was "sold" the idea of contracting out of SERPS in the early 1990's when I was in my early twenties by someone who was working for General Portfolio (I think). I somewhat naively agreed (he was a friend working on commission). I have no paperwork about it and nothing has been sent to me since I ticked the box on a form.…
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my portfolio - comments
First state emerging market leaders £1,000 Investec Japan £1,000 Aegis European £1,000 JPM Natural Resources £400 GLG Technology £50 Regular saver set up £50 per month each fund
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Certificate of tax deduction HSBC
Is there anyway you can get a certificate of tax deduction online with HSBC? Or do you have to telephone and ask for one? Many thanks for any help.
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long term fixed savings
I can invest £600 a month for 25 years, what will be the best a saving to have I won't need to touch this so it can be fully locked for 25 years
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RDR and qualifications
Hi, I am reading a lot in the press and the internet about RDR and the fact financial advisors need to be qualified for next year. So I was wondering. How do we know if a financial advisor is qualified? what qualification are we looking for? what is RDR and do they have to be part of that as well? I know to go on FSA…
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Tax and charges on an investment trust?
Hi, Newbie question! I'm trying to calculate how much a £91,000 lump sum put in an investment trust that tracks the market would be worth over time. And I'm a bit lost! Compound interest is easy enough to calculate but I really don't understand how to assess how much I'd lose to taxes and charges. I know charges differ but…
