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Secure Trust Bank 120-Day Tracker account
Is this account potentially too good to be true - or is there a catch I've missed? It's currently paying 3% AER (BoE base rate + 2.5%) which is not bad at the moment but if base rate rises in the future then this account looks as though its rate could potentially rise to unprecedented high levels. Is this a good long-term…
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are there any compounded savings?
I have been reading about compounded interest rate and this seems to be the best type of safe saving account but I cannot find any on offer. Mostly they are Fixed aer.
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Grandparent gifting money to grandchild?
My mother passed away earlier this year, and dad has now finally consolidated all the money they had in various ISA and savings accounts into one place in his name. He has more invested that he thought, and has made a few comments about setting up an investment for my child - his only grandchild. I have no problems with…
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Spend it, Save it or invest it? That is the question?
Hi, I have recently received a lump sum of an inheritence about £125K. Looking at the current saving accounts and ISA's schemes it doesnt seem they offer much of a return. I have paid off all loans and c/c, but still have a mortgage of around £150k. Should I :- Spend it?- You only live once, treat the family, enjoy the…
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Do you ever have savings breaks?
For the last 5 years ive been saving hard towards a house deposit. Next payday i will have reached that goal and more. In my original plan i would still be short of my goal by 1st Jan 2013 but from cutting back alot I am now exceeding my goal. Should i take the whole Dec pay to have a big shopping spree and wonderful xmas…
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Derbyshire NetSaver new issue 8
Derbyshire have announced issue 8 of this account paying 2.2% with bonus. Down from 2.5% for issue 7. More bad news for savers.
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Providence life?
Has anyone ever invested through providence life? Is it safe to do so?
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Canadian shares
As the executor of an estate here in the UK , I will need to sell off shares that are listed on the Toronto Stock Exchange in Canada. How is the best way to go about this and what duties and taxes might I need to be aware of. Thanks.
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£12000 lump sum windfall,what should I do?
Hello,my wife has received a £12000 lumpsum windfall and is looking at the Halifax's ISA saving schemes in mine,my wife's and our son's names. Can anybody advise alternative saving schemes that are safe but offer good value? All advice welcome and appreciated Thanks John
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Kent Reliance Building Society
I have heard that this society is to launch a 2 year bond paying 3.1% on 15.11.2012. Seems good in the present poor savings market.
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Principality 18 month Members Bond
Just heard from them about an 18 month members bond. Above 2 years with them 2.92% gross Above 5 years 3.02% gross Above 10 years 3.12% gross Minimum £500 £20k max or £40k joint. Opinions.
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Is it right to Invest in Stock Market Before the Year Ends?
Hi Everyone, I am wondering if investing stocks is a great idea before the year ends... I heard that stocks are booming - so is this the best time to invest or should I wait for it to drop? Any advice on this is appreciated - I am new to this thing and need to think a million times for this. Cheers!
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£50k to save for 6 months
I'm switching mortgage deals to the Tesco 2yr fixed at 1.99% and will be borrowing an additional £50k as part of the remortgage for a house extension we intend doing next year. Where/how should I invest it for 6 months? Most of my ISA allowance is full (I could squeeze a few thousand in). I obvously need fairly instant…
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Why are individual investors holding conventional government gilts?
Like a lot of others I have been looking at gilt redemption yields (I’m talking about conventional gilts, not index linked gilts or corporate bonds here) and I keep shaking my head saying ‘does not compute’. I can understand why institutional investors such as closed final salary pension funds are holding more conventional…
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Santander123 As A Savings Account?
Given the low rates on easy access accounts I've been thinking of converting our Santander current account to a 123 account. As I understand it we can get interest of 3%, paid monthly, on credit balance up to £20000, with a £2 a month charge.3% seems pretty good at the moment. The only problem is we don't use this account…
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£10,000 "gift" from parents to child - Taxes?
Hi, Im posting on behalf of a friend. He is looking to buy his first house soon and has saved up aproximatly £8,000 deposit, the house he wants is around the £100,000 mark and his parents ahve decided they want to help him out by giving him an early "inheritance" cheque for £10,000 to go towards his deposit. Basicly, they…
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Should i save or invest??
Hi Guys, I recently inherited some money of which i want to put by £15,000 - £20,000 for a house deposit in 2-3 years time, however i want to put it an account that will give me maximum interest returns, i am willing to risk it with investment accounts with Barclays who i bank with, but the problem is i havent a single…
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Computershare share save advice
Hi Basically I have a 3 year sharesave with computershare that i got through my work and it is due to mature on the 1st of December. I can log in to my account now to decide what i want to do with it as in sell all shares, sell part shares and cash or have all cash ect ect I am looking at selling the shares so when i go…
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IFA Advice. Can I claim back fees?
In late 2009 my IFA decided to retire. He passed on my details to another IFA who sent me a letter saying that we should meet and discuss my investments. I decided to ignore the letter as I was happy with my current investments and I didn't have any spare funds to invest. Now 3 years later I find that I have been paying…
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Should I sell or let and other queries.
I'm not sure if this query is on the correct board or not but if not perhaps someone can re-direct me. My mum, who is in her eighties has recently moved from her home, which she owns outright, into a flat in a sheltered accommodation scheme run by Sanctuary Housing.She wants me to deal with all things concerning her house…
