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Funding for Lending ...
I heard mention on the Today Show of today's date on R4 that they thought it looked positive from GOVERNMENT sources that Funding for Lending would be continued after the 2014 cut-off period. CAN THESE PEOPLE BE SERIOUS? Do you think the Bank of England would allow this? Would they? What are the indications that it is…
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agribank
I heard this new bank mentioned on Radio 5 Live this morning. It makes loans only to farmers but anyone can deposit. Bonds for 3/4/5 years pay 3.35%/ 3.5%/ 3.6% resp. HOWEVER it is not covered by FSCS and operates on a banking licence from Malta. "its savings products are not covered by a deposit compensation scheme". I…
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Profitable Sunrise?
Anyone ever heard of this website, based in America? https://www.profitablesunrise.com/ A colleague has invested and is receiving interest but I am sceptical. Looks like an intermediary site matching investors with those taking a loan. Allegedly zero risk and around 2% interest PER DAY! This is not a recommendation!
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Trust Funds for Disabled People
Hello, and thanks in advance for reading this. I apologise if it's a bit long but this is all new to me and I am on a pretty steep learning curve! I am currently trying to organise my finances so that, in the event of my death, there will be a sum of money for my disabled son. As he is unlikely to able to manage his own…
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Santander interest question
Hi, I have a santander instant access saving account 3% gross. It's a term rate, dropping the bonus element later this month. Question is, I the interest calculated daily? Can't see any clarification in the small print. It's an Seaver issue 6. Thanks
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Closing French Bank Account - SRD?
As per thread title, I'm attempting to close my French bank account after selling my house over there. I'm a little stomped over what exactly SRD (as showing in my account) is! It appears to be showing a credit in my favour (fingers crossed!) but also jumped by E300 overnight (E600ish to E900ish). Any ideas peeps?
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confused over interest rate wording on net
I opened a Halifax Everyday Saver Account today and paid in approx £ 150.00 . I was told in the branch that the interest rate is currently 2%. However, on the website, it says the "Headline interest rate" is 1.5%. I thought the "Headline interest rate was the highest interest rate so I don't understand this. It does say…
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£20000
can someone advise me the best way to invest £20,000 med to long term .i currently have 12000 in premium bonds and 8000 in an isa
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Saving/Investment Confusion
Hello! Come the 25th my savings will tick over to £40k, in a really sad way I'm quite excited about this, reading here I realise this isn't a huge amount compared to some of you but I'm working on it! The eventual use for this money is for a deposit on a house but past mistakes with credit (by mistakes read complete…
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Time to lower my monthly investments?
I like to think of myself as a contrarian investor, increasing my risk when things look gloomy and decreasing my risk when things appear too rosy. During the doldrums in 2009, I increased my pension contributions as well as my investments outside the pension wrapper. This has paid off well. Last year, my investments…
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Top regular savings rates
Hi, I was just looking at the 'top regular savings open to all rates' which shows Norwich and Peterborough at 4% including 1.5% bonus and Barclays at 3.25%. I want to make sure that I've calculated the actual returns on these accounts correctly. I've worked this through on the basis that the maximum £250 is paid in each…
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saving for a mortgage
I'm currently saving up money for a mortgage and making sure i have extra money to furnish the house out. I've got 15 k saved to date. Most of the money is in my ISA account and the rest in my current account. I can only put a limited amount in my ISA each year so i'm wondering if you have any suggestions as to where i…
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Perplexed ex debt lad turned saver, please help
Hi Guys n Gals, I have read some of the guides on this site but wouldappreciate any feedback on my understanding and if anyone could answer any ofthe questions it would be much appreciated. I’m a bit perplexed by the plethoraof options at the moment. Circumstances I have not been great with money in the past, I…
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Investing in USD
I have 30k USD i am looking to invest. As a business owner i do not have the time to equip myself with the necessary skills to trade in the stock market. I am looking for someone to do the work for me - like nutmeg.com However with GBP falling and USD improving slightly, i do not wish to exchange my USD for GBP. Is anyone…
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Interest calculation help please
Hi, I'm having trouble working out the best savings account for my granddaughters. Your help with the calculation would be gratefully recieved. I save £10 per month for each of them. They have each had a Halifax Kids Reg Saver and related Save4It accounts (the annual balance doesn't stay in S4I for long!). All are set up…
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Bahhhh - Santander & Guaranteed Growth Plan
Does anyone have a Santander Guaranteed Growth Plan 9, due to mature 25.02.13 ie next Monday! Term of the plan was 5yrs 6 mths and after putting a decent amount of money in I've been looking forward to getting confirmation of maturity amount and info on where the money could go next. Instead I've heard absolutely nothing.…
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M&S Cash ISA service - GRRRRR!
So, just moved house and needed to withdraw some money from the old cash ISA - for the usual paying of estate agent fees etc.. No problem M&S said, the cheque will be with you in a few days. What they forgot to tell me was that with a change of address, it delays the whole process by one week. So I asked for the money to…
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Cavendish / Fidelity
Please help me get something straight. I opened a Cavendish account - but it somehow seems to be linked to Fidelity - what's the association? Also, I opened it to by 2 funds (£50 in each). One of those funds will be the Vanguard 80%. How much in charges will this cost me? I've been reading that I should have opened an…
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Tesco saver direct debits
I've just opened a tesco saver and I created some direct debits online, they were done right away without any checks that I could see. What's to stop someone creating a direct debit from someone else's account to their savings account?
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Newbie investment advice
Hello, I've been reading the forums here quite a lot recently, as well as Monevator, and am hoping I can pick the collective brains of the regulars here for some advice. Here's my situation: * I have approx £200k in investable savings, currently in some cash savings accounts (~3% interest) * I have fully used my ISA…
