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FTSE tracker advice needed.... Please!!
Morning friends, Need a bit of advice or pointers etc for the following: I am looking to open a FTSE tracker fund type thingy!!! You can already tell that I am not fully up to speed with these products can't you!!! I am not sure yet if its going to be in a FTSE 100, 250 or all share type tracker? I can start off with a…
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US Equities - Paper Share Certificates
In error, I now hold the paper share certificate of a US traded stock (it was part of my company sharesave scheme). Unfortunately, I am now finding it impossible to find any bank/stockbroker to accept the share certificate to either sell my holding or hold in a nominee dealing account. Does anyone have some ideas of how I…
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Thinking ahead to when I'm debtfree ...
My plan is to: (i) build up 3-6 months' living expenses in an easy access account; (ii) either up the pension or start a S&S ISA, and; (iii) put any leftover cash in a high-interest/delayed access account. Would it make more sense to max out my employee pension contributions, or start a S&S ISA (assuming I've already maxed…
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Claiming back interest, Post Office didn't complete transfer
Hi, new guy here. Last October I transfered several thousand pounds from my Post Office Online Saver account to an account with Nationwide. Whilst doing my accounts earlier this week I realised that that money left my P.O account but never appeared in my other account. I contacted both banks and Nationwide said the money…
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Saving £30k - Advise requested please
Hi, Would be grateful for your help on this one. My mum is about to give me and my partner £30,000 which would be ours to invest in a deposit on a house. It's likely we'd need access to it in the next 4-6 months. Where would be the best place to keep the money in the meantime to earn interest etc?
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Certificate of Tax Deduction on savings
Is anybody else finding that banks and building societies no longer automatically send out certificates of tax deduction on savings accounts, which can make it a nightmare when trying to complete annual tax returns. This can be a special problem when fixed rate bonds are held which last more than one year and interest is…
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current acc's and credit checks
hi all, i was wondering is there anyway to avoid having a credit check done on you when opening a bank current account?What if you already have a savings acc with them specially for a long time that veryfies your identity and address,I know they need to do it to ensure you're credit worthy because you can go overdraft on…
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Pensioner and tax advice on savings
i am writing on behalf of my mother who needs advice on tax and savings. Currently she is a non tax payer but has just sold her house, if she were to invest in the top rate saving accounts the interest she would earn would push her into the tax paying category but only just. first question would she be able to fill in the…
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What account(s) are best for new born savings?
Hi, I am looking to get a savings account or similar for my 3month old. As she has been given money for Xmas. So I would like to get an account where we can put away this as well as future birthday money etc.. Can anyone point me in the right direction to which are suitable products? I was thinking of may be an ISA with…
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M & S Shareholder Vouchers - some being sent to incorrect address
Just to save other people having to spend ages on the phone as I have just done. Received M & S shareholder vouchers today - but house no. on letter was for next door. Luckily for me, the postman saw my name on the envelope, used some common sense and delivered to me. Have just spent ages on the phone as I was obviously…
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15K need to invest it long term what to do
Ive just been brought out of my share of a house. Ive 15,000 that I wont touch/use for 5/6 yrs ( Ive just come out of a DMP so I cant get credit/morgage for that term of years ) My goal:- In 6 yrs to use the money as a deposit (together with other money Ive saved ) for a house deposit. So whats the best/safest way to…
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Prudential Shares
Hi All, I'd appreciate advise on buying shares in the above company. I intend to buy and hold forever with an eye to dividends. I like how they have increased their markets outside the UK and particular in Asia. I'm hesitating slightly,as the FTSE is currently north of 6000. Any advise would be much appreciated. kmb275l
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Child Trust fund - can a transfer from stocks and shares to cash ?
Hello ! I'm new to this site so I'm sorry if I'm asking something obvious or that has already been asked. I invested the CTF voucher I received on the birth of my sons (twins!) in 2010 in a stocks and shares fund. It has since been added to by their great grandad. However, I am now thinking we would have been better off in…
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Best Investment
What is the best investment that you have so far? Answers and comments are highly appreciated...
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Race to save £10,000 starting 07/01/12
Need to get £10,000 saved up asap, going to use the money to increase my income and get another £10,000 saved by the end of 2013. The race is on to get the first lot saved up and go from there. I reckon i can get it together by the end of June at a very push, so that is my aim, the sooner the better though! Who wants to…
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Building the house deposit
Hi All, We are currently saving up as much as we can towards a house deposit. Last year we were a bit slack, buying a new car, a few other expensive silly things, holidays etc, but this year it needs to be focused ! We have just come to the end of a 12 month regular savings account with First Direct which both myself and…
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Some investment questions from a newbie.
Hi guys I got some questions that I hope some knowledgeable soul can answer. 1. Given the vast amount of information available that seems to agree that passive investing is 'better' than active investing, why are there still a decent amount of people who choose active investment over passive. Is there anything I'm missing…
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halifax kids regular saver- trustee problem
Last May I renewed 3 kids regular savers and opened a 4th one for my 4 grandchildren. I was annoyed that these accounts could not be checked online, as in previous years. They said I had to go into the branch to check their balances. 3 days ago I asked to check their balances. They allowed me statements for the 3 renewals,…
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Captital Gains Tax and Income tax
Hi All, This is something that has been troubling me for a while. I bought some shares a while back and again sometime last year. In total they cost me about £2,000 and they are worth slightly less than that at the moment. I became a higher rate taxpayer since last financial year. Now I'm thinking of disposing of the…
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Change of interest
Hi, I on thursday applied for a blme savings account and printed off the application form etc, which states that I applied on the 3rd. On friday I saw the interest rate has fallen a lot. Will I get the rate from the day I applied, or will they try and con me by signing me up on the new lower rate as my money wont have…
