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Repay my Student Loan or save in cash ISA?
I'm a 24 yo uni graduate working 2 minimum wage jobs (my annual income is around £10,000). I have no overdraft or credit card debt and low monthly outgoings, BUT I owe £6,173 student loan money that I haven't repaid and am not currently earning anywhere near the repayment threshold (15,795). I have £19,500 in a cash ISA at…
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IFA charges
Hi I have been happy to look after all our investments previously but now think it might be beneficial to seek out a IFA. Both mid 50s so risk probably needs adjusting also tax advice on wifes investment. I want to compare a few so can anyone give me any information on average charges I should expect. Total investments…
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if i just want to buy a few shares in one company
what is the best way? thanks
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What is the procedure to close accounts in First Direct?
Hello MS Experts Many appreciate this website, I opened a current account in first direct since Jan 25 2012 via the link suggested by MSE. In Jan 29 2012, I opened a regular saving account in first direct. Everything goes sweetly fine so far but for one thing. What is the correct procedure to close both accounts in first…
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Regular savings accounts
With interest rates so low I have been opening regular savings accounts in both husbands and my names and putting in maximum each month, just wondered who has the most opened
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Ancient share certificates - wallpaper?
I have 'inherited' a share certificate from 1943 (don't laugh) regarding some rubber shares from North Borneo. Does anyone know how I can establish if the company was bought-out and/or if these shares have any current value? Rubber shares - no jokes about bouncing please... The company ( Langkon North Borneo Rubber Ltd )…
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Serious Investor V Wannabe Millionaire
Hi All, If 2 people one an aspiring millionaire and the other a serious investor - each wanting to maximse their money. Both are open to moderate risks and both have £5000, in today's climate how would each person use their money? Lets say both individuals have fully used their ISA allowance for the year.
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Investment trust vs Unit trusts
Hi guys, Looking at my investments for 2013 and am pondering Investment trust vs Unit trusts Just wondered what peoples experiences of the 2 different products were? Thanks
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Coventry telephone saver
Rate dropped to 2.72% from 1st February, I need 3% so interest higher than mortgage, looks like might have to pay of mortgage instead boo hoo:(
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Inflation: No change to RPI calculation
The Office for National Statistics has decided that there will be no change to the way the retail prices index is calculated. Good news for holders of National Savings Index Linked Certificates.
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"Free" £500...
So I found out today I'm due back almost £500 from a loan I over paid. I want to know what I should do with it? What is the best way to make the most of a very modest sum of money?? If I had to I could budget an additional £25pm in saings to it! Thanks folks
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share save scheme
Hi All, wonder if anyone could answer this for me? can payments be increased, so long as the limit cap £250 is not hit to pay off the scheme a little faster ? Reason I ask is the scheme I am in pays weekly, so the scheme will end in 4.6years instead of 5 years due to the 5week months during the term. If this is the case…
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child saving account
hi is there anywhere on this site where it tells you the best rates for a kids saving account thanks
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Best Invest "spot the dog" report
Hi, I enjoyed reading the July 2012 "Spot the dog" report from Best Invest and wanted to know how often this report is published and when is the next one due? http://www.bestinvest.co.uk/guides/Request.aspx?GuideId=2 Thanks in advance, Jabba
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Cheapest post RDR advised platform?
Has anyone come across an up to date post RDR comparison of charges for advised platforms such as Cofunds, Transact, Skandia etc? I am looking at a new investment through an IFA and one of the platforms recommended is Axa Elevate which I've been told is the cheapest but I'd like to be able to seee a clear comparison with…
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where to put 12,000?
my 3 kids have a bank account with 12,000 in it. it was in a 3 yr saver thing which just came to an end. any ideas where i would be best to put it away fir them?
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Which funds to invest in? ADVICE PLEASE
I have opened a stocks and shares isa with hargreves landsdowne and was wondering which funds I should invest in. I have chosen to pay £50 per month into this however i am unsure of which funds to invest in. I was looking at the First State Asia Pacific Leaders Class A Accumulation Units fund. Is this a good option? I also…
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Can you buy a long-term FTSE call?
This might be a bit complex for anyone who doesn't know much about derivatives! I'm thinking about putting money in a structured product, where you put away money for 5 years and get back, eg, 115% of any growth in the FTSE100, with a minimum of getting back your original capital. This is obviously more or less the same as…
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Obtaining details from Alliance & Leicester
Back in 2009/2010 my kids each had a Bond account with Alliance & Leicester. We spent well over an hour with the team member when we opened the children accounts, and the kids were present too. However, when we went to close the accounts a year later, there have been a clerical error, and tax had been deducted from the…
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Anyone else pulling money out of shares?
The market has been on a good run recently. When I start to congratulate myself on how much my shares are worth, I start to get a nervous tick. I sold a couple on Monday, and am carefully watching the rest to see if they appear to hit their limit any time soon. I had 1% in cash on Monday, 13% today. Anyone else getting…
