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Where next for saving plan?
Hi All I'm hoping for some advise on what I should plan/save for! I've worked very hard to save up to be a FTB, but not unsure what to do with savings I now build up (although writing this has given me an idea). I'm nearly in my Mid-20's and last year became a FTB, buying a 1 bed in Birmingham. I put down a deposit of…
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Best savings account for child
Im looking for a good savings account for my 7 year old. He currently has one with halifax but each year the interest rate goes down and I have to make an appointment to change his account. He has a good amount saved up and dont need to be able to make withdrawals. Thanks
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GEM funds do they cover frontier markets?
Hi There - I am interested in starting a monthly drip feed into frontier markets, there isnt lot of choice however. Templeton seems to be the market leaders in this area, I am really surprised Aberdeen on FS dont have an outright fund in this area. Does FS/Aberdeens EM funds have the ability to go into these areas or not?…
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Independent financial advisors
I am due to retire soon and looking for advice on savings and investments for my lump sum. Should I use IFA ? If so what are the usual charges. I have up to £90000 .lump sum.
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Santander Esaver5
Please does anyone know what rate this now pays. We have just received our interest so have had 12 months. I looked at their website but its as clear as mud to me.. its definitely been worth having for 12 months but need to decide if its worth leaving our money there. Thanks
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Selling shares CGT liability
I have accumulate shares in one company over the last 25 years and am considering selling. I understand that everyone has an annual Capital Gains Allowance. I can't remember how much I paid for some of the shares and of course I bought some many years ago at a considerably higher value than they are now but I've also added…
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Investing inheritance
I have inherited some money. I am mortgage and debt free. I am 43 and have no pension although my husband does. What is the best way to invest £50.000. ???
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Investing inheritance
I have inherited some money. I am mortgage and debt free. I am 43 and have no pension although my husband does. What is the best way to invest £50.000. ???
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Missing Shares
My mother's solicitor has been looking after my mum's shares for several years. I've recently been trying to make some sense of the information I'm getting from the solicitor (dividends) and I'm worried. We were told that mum's BAA plc shares were "lost" (ie, no more) as they had been taken over. I've just discovered via…
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How do I get an RBS Savings Card ?
A few days ago I opened an RBS Instant Saver Account and I want a Savings ATM Card for it but I wasn't offered one. Does anyone know if RBS still issue them and how I'd get one. Thanks
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ISA dino ???
I've got a spare £5K in Santander (12 month bonus ended in Jan but I've been lazy) paying some low interest. I've got no ISA's at present. Is it the Santander ''Direct ISA saver (Issue 1)'' paying 2.50% for 1st 12 months that I want to take out now? I'm an ISA dino :rotfl: Thanks
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Taking advantage of the FTSE high
What thoughts do people have on taking advantage of the recent high? Profit-taking is all very fine, but where to put it? Savings rates are poor (and I already have a balanced amount in cash). What about elsewhere in the world that is at a low (& and likely to rise...:rotfl:)?
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Anyone have experience of 'social trading'? like zulutrade and etoro
Hi I am looking into a few social trading platforms like Zulutrade and eToro as an alternative to shares.. does anyone have experience with these? Doesn't seem like there is a whole lot of UK based discussion around these. They are covered on forums but mainly in US. What attracts me is the lower entry cost (i.e. no £10…
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Graphite Enterprise Trust
Graphite Enterprise Trust was one of the main 'buys' in this weeks Investors Chronicle I know that there have been posts in the past about Graphite and I wondered how investors feel about it at the moment as an investment - its currently on a 24% discount but grew 30% last year.
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grandchildren left 3k by their grandma...
Hi, My mother has passed away and in her will has left £3k to each of her great/grandchildren (not all mine). they are aged 18mths/10/13/15/15. she wanted them to go into a trust for them until they are 21. I have looked on the net and found it really hard to find what to do with the money. not sure if the 10yo has a CTF,…
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Cash isa advice
Hi everyone, Would be grateful for any advice please. I opened a Halifax during this last tax year which is now maximised and I opened a Barclays ISA last tax year and have saved about £3000 including interest accrued. My query is am I allowed to pay into the Barclays ISA to top it up even though i've already paid into an…
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Power of attorney
I saved a lot for retirement but can't use it now due to deteriorating health.. I have enquired about Power of Attorney and the solicitor who drew up the wills wants £700 for a POA document. Does anyone know of a cheaper way of doing this. My husband and I have always had seperate savings etc. He gets very confused about…
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Cash ISA
Hi all I'm abit of an Isa virgin & was wondering if you may help. Am i right in believing a new cash isa can be opened each new tax year from April 5th, up to £5640 a year, so after 2 years i could have £11280 in cash isas (Not that i have that much money to save) Was thinking of dipping my toe into the Isa market this…
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Advice for Expats - offshore? Financial Advisors? etc..
I've been in Japan for a few years, but I was always planning on coming back 'soon' so I left my affairs as they were in the UK. (money spread across several bank accounts and in a cash ISA - though many of those accounts now have very poor returns.) I've recently decided that I'll be in japan for at least the medium term,…
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ISA rules - can I move my ISA the same year I opened it?
I apologise in advance as this may be a completely obvious question, but I don't want to run foul of the rules! I have a Marks and Sparks cash ISA which I opened this year, and the rate has plummeted since I opened it in Sept. I have paid in my full ISA allowance for this year. I have no ISA savings prior to the year…
