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Best way to save/invest £20k
I'm just finishing building an extension/new kitchen/ new windows and as a result have had most of my spare/saved cash in an easy-access account as I didn't know what extra costs may come out of the above works. Now we're finished, I've got about £20,000 that I'm looking to put to work. I'll also be saving a regular…
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Buying Discounted Employer Stock as a Short Term Investment
Hi I have been working for my employer for nearly 6 years, andthere is a stock purchase option which I have not used before now, however Ihave had an interesting conversation with someone over the weekend which has methinking! Deductions are made from your salary from either of theannual starting points, January or July,…
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Investing in an offshore fund?
Hi all One of the funds that I have been looking at recently is the Lindsell Train Global Equity Income fund: http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/l/lindsell-train-global-equity-income The fund is recommended as part of some of Hargreave Lansdown's "Master Portfolios" and I've…
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need a savings account i cant get into online
i have an ISA with Lloyds, i only put £10 a week in it and its supposed to be for emergencies, or when ive found myself short some weeks, needless to say there is nothing in it this week because when i log onto my banking i can see it and just transfer it into my spending account! Does anyone know of a savings account/ISA…
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Cheshire BS 2.5% with 2% bonus
Hi all, I'm just wondering what the overall interest rate on the Cheshire BS ISA account is, particularly as it includes a "2% bonus". Trying to figure out how much interest I could expect to earn by transferring to this account... When the new tax year starts I would look to immediately transfer my ISA savings from…
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Charles Stanley Direct
Sorry for the re-post, but I am not sure if it would be seen 2000+ essages deep.. Charles Stanley Direct have opened a new platform which looks pretty straight forward in terms of charges, and not too bad? Anybody using it, and feedback? Clean funds available with 0.25% platform charge, or or refund of 100% comission if no…
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Gross interest vs net interest, which one's best?
Hello I'm currently receiving 3.06% gross interest on a savings account. If I transfer this into an ISA I'll get 2.5%, which is effectively net interest as there is no tax. What I'm trying to work out is which will give me a better rate? (3.06% - tax) or (2.5% tax free)? I'm currently a student and am not working, though…
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Arrangement fees etc
On checking the MSE website, under the Reclaim banner, I can see means of reclaiming credit card charges, bank charges etc. Is there any means of reclaiming for investments? Specifically with regards to arrangement fees (not mentioned when the investment was set up). Also regarding the return on the investment? I invested…
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Inherited £50k abroad. How do I handle it best?
I moved from Denmark to England just over 20 years ago and retain my Danish citizenship. A couple of years ago my father in Denmark passed away and for the past few years they've been trying to settle his estate which is shared between me and my 5 half-siblings. I received news yesterday that it may finally be settled and…
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investment trust and isa
i am a basic rate taxpayer and have £50.000 invested in foreign colonial investment trust have used there savings scheme for the last 20 years would it be worth putting this into a isa and if so how thanks all would it be wort while doing this
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Best expat banking
Hi there, Any other expats on here with opinions on the best expat banking? I am an American living in Uganda, paid in the UK. I am lucky enough to have saved about 17k to date and would like to get a better rate than the rather pathetic 1% Im getting on my esaver with natwest. Barclays international interest rates seem…
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British Steel shares - what can I do with them?
I have 500 shares in British Steel - I know Brit Steel merged to form Corus and are now, I guess, owned by Tata. I have no idea what the bs shares are worth now - nothing, same as corus? Mores to the point - I don't know how to find out. I know nothing about this world so appreciate any tips in lay speak. Many thanks in…
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Does anybody know which account is offering the highest interest for 12 months
Hello all. I have a relatively simple question to put to all the MSE users out there. I have a little bit of money to save and don't need access to it for a period of 12 month. I figure that it may aswell go to some good and earn a little bit during that period. First Direct were offering 8% at a cap of 300 per month,…
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Where to start saving!!
Hello, I am currently at a position where I can start making a decent contribution into a savings or possibly investment account? I currently have a monthly reward savings account which I put £250 p/m into. I would like to keep doing this as it is giving me roughly 3.2% interest for month where I do not with draw. As well…
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Lloyds Vantage capital limit
Hello, Is anyone able to clarify the Lloyds Vantage interest scheme? Specifically: 'We also do not pay interest on any amount over the Vantage upper limit of £5,000.' Does this mean that if you breach 5000 you won't receive any interest at all that month? Or does it mean that you'll not receive interest for the days your…
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Aviva Guaranteed Investment Bond: How to complain about mis-selling and bad service?
[FONT="]Hi, I opened the above at the end of 2009 paying in £100,000. The total bond value was £105,015 in November 2012. However, any withdrawal within the first five years results in penalties, so the cash-in value in November was actually £102,915. To date I would have been better to invest the money in a regular,…
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Savings for descendants
I have twin great-granddaughters born in September. I've just found out their full names. Up to know I didn't know if their surname was daddy's or mummy's. I'm slightly in contact with daddy, but mummy doesn't want to know me any more. Grandmother (aka Nanna) has told me I'll never be allowed to see them. However, when my…
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Regular Saver 5%
Does anyone else agree with me on this? I opened a 5% Platinum Regular Saver Account with the Derbyshire www.thederbyshire.co.uk back in July 27th 2012. I opened the account with £500. Then on the 1st of August 2012 I paid in another £500. The account is 5% for 12 months. However, does anyone agree (because I cant find it…
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How much do i have invested
Hello this is my first post on the forum, i have tried searching google but have not found any helpful site. I know its probably my fault for not keeping track of my money but over the years so many comapanys have invested my money for me. My question is is there away to find out where my money is invested as i think i may…
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Fixed rate 2 year ISA vs Current Account
Hello, Originally, last year, I planned to start a 2 year fixed ISA for April 13/14, 14/15 years. Once I fill up the ISA for this year (not too bothered about filling it up straight away as I started it late, so poor interest rates and not a long time its been in, think i opened it around December time), I planned on…
