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Savings Advice - 60k nest egg???
Hi all I have about 40k in various savings accounts (3%), one being an ISA (2.25%), and a 20k loan has just been repaid to me, so I'm now wondering what to do with my 60k nest egg? I'm 30, single, rent a room in a house share as not sure where I want to live so reluctant to buy property thinking this would tie me down, but…
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Need First-time investing advice
Hi i have made up my mind to invest some money as i am tired of getting 10p from my savings account! I have looked at a few options, but depending on the website, you tend to get conflicting opinions. Some background info: I am a student, but i have a £500 saved up, and would like something i can add regular top-ups of…
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Where to put £220k short term??
I'll be completing on my house sale in about 4 weeks time. I'll be going into rented accommodation for about 4 - 6 months before buying another property. Where is the best place to put this amount? I have an ISA with 2011/12 allowance in, £18k premium bonds and £15k NSandI index linked bonds. Would it be best to contact an…
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ISA's & non-taxpayers
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Child Bond plan
We have opended a normal savings account for our young son (8weeks old) we have got a one day account that we can pay what we like in and take out when he likes. I am wanting to consider paying into a child bond plan, where would i go to find the best deals? I have seen a scottish friendly society one at £25 per month…
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Advice on Online savings
Hi, i currently have an online bond with Aldermore that matures next month. When it matures it will be worth about 24k. The return was 3.3%. Im happy to tie the money up for 2 or 3 years maximum. I would prefer online access rather than postal. I have my Cash Isa money ready for this years allowance so that is already…
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Joint vs Individual savings account
Evening all, Me and my girlfriend have been looking to move out from our parents houses for a while now. We've viewed flats but have found (after number-crunching) that after rent, money would be too tight for us to 'live' so we have decided we are going to purchase a house instead. We have looked at getting a mortgage and…
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Sainsburys Bank Chops ISA Rates
Had a letter from Sains Bank informing me they are chopping the 3.01% cash ISA to 2% on 15/3/13. They also had a 2.85% issue after the 3.01% but I don`t know what that`s dropping down to. Another kick in the teeth for savers.
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Is the FTSE going to tank on Monday following the downgrade news?
I know it was always speculated for months/years, but now its official, do fellow investors/traders expect lots of selling off? the FTSE has been bullish and rallying since last year and the fact its gone over and stayed way above the 6000 mark, i cant but help this UK downgrade is going to send everything downwards, below…
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3.5% War loan
I inherited £400 worth of 3.5% War loan. I know this is an investment the Govenment refuse to repay, but it does still trade. Given the dismal savings interest rates does it seem like a good buy now given the 3.5% fixed interest?
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Income and Accumulation variants of the same fund
Where a fund is available in both income and accumulation options, is the relationship between the unit prices of the two wholly and entirely a mathematical one? Or for example can one be influenced by sentiment, either positive or negative, more or less than the other? Or to put it another way: Is there ever a case for…
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My Investments
Hi, I have been investing, sometimes regularly, sometimes ad-hoc, over the last few years, however, I have sort of just ignored them and let them grow/shrink. I am 30 yo, and don't need the cash in the foreseeable future, I have 6x more cash than investments, so ready if I want to buy a house. My pension is only a year…
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Fidelity's half-price Isa fees deal sparks price war
according to the Gruadian http://www.guardian.co.uk/money/2013/feb/23/fidelity-half-price-isa-fees Could be good news if HL follow suit
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disappearing threads?
3 threads i started here have disappeared. how can i find out why?
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s&s iss s are they a risk ?
i HAVE 8K IN AND ISA AND 12K IN PREMIUM BONDS AND IM THINK OF PUTTING THE 12K INTO S&S ISAS HAS ANYONE GOT THEM AND DO THEY PAY BETTER THAN A STANDARD ISA ???
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Best place to put 50k?
I've been very lucky to receive 50k from someone in my family. Before I receive it, I need to tell them what account to put it in. I want to use it as a deposit for a house and I won't be buying one for at least a year. However, I guess after that, I might need to pull it out at short notice if I decide I want to buy. What…
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what are the rules on gifts?
I recently came into some money after my father died. I don't agree with how he divided his money in his will and feel that my brother needs this money more than I do so I want to give it to him (the money is already in my account). What are the rules about gifting money? In the back of my mind I can give him £3000 per…
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What exactly is the TER on a Fund of Funds?
Imagine this: Fund of Funds X has a total expense ratio of 1.4% which is just about reasonable. However, it is made up of funds A, B and C with a TER of 2.6%. Would the fund of funds pay this TER on its investments bringing the total (hidden) TER to 1.4 + 2.6 = 4% which is not very reasonable?
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Britannia and Co-op buck the trend for fixed rate accounts
I'm not sure I'd want to fix for 2 years or more right now but the 1 year fixes at 2.3% look OK in the current climate Branch or post only but there are plenty of those and there isn't anything you can do online with this sort of account anyway. It looks like you can apply online…
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Moody's have downgraded UK from AAA to Aa1
It was only a matter of time, wonder what this will do to borrowing
