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AIM allowable in ISA's would have been better..
and a bigger boost to smaller companies and the economy. No stamp duty is hardly worth mentioning.
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Coventry BS Online Saver 2
I opened an Online Saver 2 with Coventry BS last May at a rate of 3.15% AER. Part of the rate was a bonus and I thought the rate was fixed for a year although not sure on that. I recieve the interest monthly and noticed a drop in interest recieved, checked the rate online and it appears to have dropped to 2.72% Gross :(…
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Halifax Bank
ok, i had some loose change and bagged them up into money bags. i had around £8 in 20p pieces, 90p in pennys, 1.50 in 10's, 90p in twos and 4.00 in 5p's. i put them all into seperate bags. Anyhow this dumb bank would not let me deposit them just because they were not like £10 in twentys, 1 pound in ones or twos and £5 in…
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Quidco's Fidelity Essentials ISA offer of £100 cashback ????
Has anyone yet taken the plunge and invested in the Fidelity isa offer via Quidco ie £100 cashback for £50pm or minimum of £500 lump sum ? In theory good time as not much else on offer but took up offer and firstly hasn't tracked (meaning ages to wait if successful) and secondly the Fidelity website seems to have problems…
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20k euros - what to do?
Hi, I've currently got 20k euros, 17k of which are in a savings account that gives me an interest of 1.75%. I was planning to wait until the euro would gain against the pound a bit more, and then convert them into pounds. Now that the euros has fallen, I'm not sure what to do anymore. Any suggestions?
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Schedule 19 SDRT abolished from April 2014
The budget has announced the abolition of schedule 19 Stamp Duty Reserve Tax from April 2014. This will slightly reduce the cost of investing in UK equity OEICS and unit trusts :j Schedule 19 SDRT is a complicated 0.5% tax on the surrender of units back to an OEIC manager. If say there is a net inflow of £60,000 into a UK…
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BTL investment + 20% of property price from government?
Further to the budget announcement earlier today, has anyone seen any details if you can get a mortgage on BTL terms and then receive the 20% (loan) from the government towards it? From what I understand so far, I could get a mortgage with a 5% deposit from me plus 20% deposit from the government and, providing I never get…
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Are guaranteed bonds worth it?
I have some guaranteed income bonds with twefs that are not available anymore. They have not earnt much in terms of bonuses but the minimum payment is guaranteed. Im thinking it might be better to cash them in & give my children a lump sum at 21! Would be helpful to hear your opinions.
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which one out of f&c trusts ?
Keeping my daughters ctf with them , will do dd for £150 a month ( wishing to be alive and working and being able to afford it ). What is your vote , what particular trust would you chose out of those they have an offer ... Thank you
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£25k - what shall I do with it
I have £25k in an account with the halifax which isn't earning much. We may have to use some of it within 6 weeks - maybe all of it. Where is the best place to put it for a short time to get the highest interest rate? My head is spinning with trying to work it out who does the best deal but I am not that financially astute…
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Anyone heard of directtrader.net
I have recently started receiving phone calls from this company trying to sell me their trading software and they have even sent me their brochures even though I have never given them my address. Finally after hanging up on them several time I spoke to them and the returns they claim are far to good to be true and for the…
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Child Trust Fund Question
Hi I have an account for my child that was started with the voucher £250. F&C who administer this are going to start taking £30 a year as charges which will reduce this to nothing over the years if I leave it with them. It is a shares type Child Trust Fund account I was looking to transfer this to another provider. Is…
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"Renewable Energy Certificates" ?
Been called recently by one or more companies wanting to inform me that the above REC's will shortly become tradeable. I suspect this is a grooming exercise in that they only want to alert me as a long-term holder of B Gas related shares, Nat Grid & Centrica, I qualify to buy REC's in early trading. Price should be low and…
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Percentage Changes
If you have a £100 investment that increases by 10% (£100 * 1.1 = £110), but then decreases by 10% the next day (£110 * 0.9 = £99) you’ve lost a pound. But if you change the order, so the investment first decreases by 10% (£100 * 0.9 = £90), and then increases by 10% the next day (£90 * 1.1 = £99) you’ve still lost a…
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Coventry esaver Issue 4
The new esaver issue 4, allows 4 penalty free withdrawals a year. I don't intend making any unless to close the account. Will this be penalty free. Regards
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Transfering an ISA
When is the best time to transfer an Isa before or after April?
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Investing in land - a good idea?
Hi folks I am thinking of buying some land and then hopefully sell it in the next few years in order to make a good profit. Do you think it is a good idea? Is there good money to be made in this type of investment? If I do decide to go down this route, what pitfalls and hidden costs should I look out for? Thanks in advance…
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Advice pl on best easy access savings
I've never really saved before but will soon have around £50k following redundancy. I don't want to tie it all up long term as I expect within a year to move home and then make some long term investments. I've been to see an IFA and have plans for when I have a larger sum to invest. Having read the info on MSE, I was…
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Decision time - ISA or Santander 123?
Hi all, This is my first post and I'm hoping for some informed advice. Our single storey extension building work begins this week, funded through savings and equity release back in December when our mortgage deal ended. The funds are currently sitting in three places and chunks of the total outlay (approx 30k) will need to…
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quick question on Hargreaves Lansdown
First time struggling on website trying to place a limit order for some shares in an ISA. Am familiar with other brokers where you can say max price for a share and amount you want to invest. HL asks how much per share and how many shares to buy - is that the only option? ? Buy limit Leave an order to buy when the offer…
