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More advanced Saving forum?
Do any of you use any other saving forums or forums similar to MSE, but less reposts/newbies? I dont mind helping people out, especially newbies, but it gets extremely annoying when people make the same threads/posts 5x a day and never both to use the search facility. Maybe MoneySupermarket or moneyforums.citywire.com ?…
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Savings... not sure what to do next!
Hello, At the moment I have a barclays loyalty ISA @ 3.05%, obviously after April 5th I won't be able to add to it. I was wondering what I should do next, I think I want an ISA but I'm not sure about getting a fixed deal as inflation is probably going to rise before it falls again and I don't want my money in a 2.5 or 2.7…
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How can i save many money from my expenses?
How can i save many money from my expenses?
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NS&I index linked certificate redemption
Just a quick post to check I haven't missed a trick here (or else to share a trick with others!). I have a 3 year index linked certificate maturing on 12th march 2013. If I let it mature in March then the value will be calculated based on the January RPI fixing, but if I redeem it now in February the value will be…
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Wishing to save for flat/house but not sure
I have a job in primark and I earn about £125 (extra if i do overtime, which I seem to be getting a lot ) I kind of spent a lot of my first pay check this month and has £44.20 in the bank. I get paid friday, i'm not sure how much i'm going to get but i was wondering if its time i began putting some money in my savings.…
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Investment in Franchise Costa/Starbucks or Shell
Hi, I am interested in investing in a decent franchise, which have a decent return, Are there any kind souls here who already have these franchises and willing to share their experience. Questions I have is, I am in employment at the moment an would hire someone experience to do managerial jobs. I would be as active as…
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Out of the blue letter from Equiniti?
I have received a letter from a company called Equiniti trying to chase my dad who has died. They say they are seeking to re-establish contact with him in realtion to an enttilement in a company where they act. They are asking for a copy of my identity, bill and grant of probate before they will discuss this with me. Has…
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Best returns on £10-15k?
Hi all, I am currently trying to figure out best returns on my portfolio. At the moment I have: £5640 in a cash ISA at 4.5% £1480 in a JPM fund I have about £7880 in cash.. I'm thinking about using my S&S ISA with Hargreaves Lawnsdown and filling it with £5640..and then using the rest into a normal fund? Looking to hold my…
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Mini Cash ISA.
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Best way for a newbie to invest 50K?
Hello ladies and gents, I'm 23 years old and after doing some saving etc. I saved up 50k. I want to invest this 50k and make some nice return or generate a nice monthly income from it. The timeframe I'm looking for is 8 years. I have no expierence in the investment life. I only know a few basics about the stock, property…
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Premium bonds - Now worth it perhaps?
These days the best "no-nonsense" savings account gives you 2% interest which equates to a net rate of 1.6% for a basic rate taxpayer or 1.2% for a higher-rate taxpayer. However, according to the Premium Bond Caluclator on this website, if you invest £30,000 in premium bonds you would expect to win roughly £400 over 1…
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Child Trust Fund Annual Charge
I have setup child trust funds for both my son and daughter with F&C and they have been running happily for the last few years. This week I have had a letter kindly informing me that they are now going to be charging a £30 annual fee for administrating each of the investments. I am not particularly happy about this and was…
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Thank you AA ISA :)
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Not a great time to start
Hello all, I'm about to open a SIPP probably in a lifestrategy 60 or 80%, for now until I can build it up and diversify over time. Over each year I will drip feed my holding to average out the market ups and downs. however, seeing as the FTSE is at a high right now is it worth holding out for a time period to see how the…
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Russian Share Dealing?
Hi, I was wondering if someone could help me in how I can trade Russian shares. I have a Swiss Quote account which is great however it does not give me the option to trade Russian shares, I can trade GDRs for some Russian companies but most of them I would need to buy the actual stock and I cannot find an online trading…
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Trading through RBS Direct Trader
Hi everyone - I currently do a fair bit of day trading through the above DirectTrader platform, but am considering my options due to costs etc. Can anyone recommend a good broker for executing large numbers of trades?
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Zopa
Does anyone know if money "invested" in zopa is classed as "savings"? For example, if someone with money invested in zopa, was to make a claim for benefits, would the zopa "investment/loan" count as savings? Thanks
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MSE advice missed a trick
Now I may be a bit sceptical (or more likely I've missed something) but after looking at the "Top Savings Account" and being directed to the Santander 123 Current Account, I was trying to weigh up the pros and cons. Now, the site advised of the £2 monthly charge but explained that it would be made back by the cashback that…
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Recommend me an S&S ISA
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UT & OEIC - Any compenstaion?
I appreciate the underlying risks in investing in UTs/OEICs based on the assets they are investing in. I have had a range of funds with different providers some ISA wrapped others direct investments. I have recently moved to a popular platform and transferred, consolidated and switched hopefully to improve returns and keep…
