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How much time
Hi, I would like to know from other fellow diyers how much time do they spend researching markets and products for their investments. Also do you buy specific magazines and publications on a weekly basis or do you just stick with the mainstream papers business sections? Thanks
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Full isa & saving 1k a month where do i go?
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Podcasts
I’m on the search for some additional podcasts. Would anyone like to share the name of any good podcasts that they listen to? Along the lines of saving and investing would be good… I currently listen to motley fool (the fortnightly), FT money and Which. Has anybody got any good’uns they can share? Thanks!
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Ulster Bank: Special Interest Deposit Account
I was wondering if anyone has recently opened an Ulster Bank "Special Interest Deposit Account" There are some contradictory statements on this forum about the rules of this account. While the web page of the Bank states that the maximum that you can pay each month is £1000, some members state that they were able to pay in…
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How Calculate Average Per Annum Return
Hi I have a share ISA that I have put a small monthly amount in for over ten years now. I wanted to work out the average APR that I have achieved so I can compare to traditional savings accounts. Does anyone have any idea how to work it out with the following information: - date of first investment - monthly investment -…
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Looking for a decent instant access or 1 yr fixed rtn
Have looked at MoneySupermaket and CTM, don't seem to have a full set of all the main banks offering. I am looking to tie up a few thousand £s for up to 12 months, not sure where to find the best rates. (I have already used my full ISA allocation for 13/14) Thanks F
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Buy2LetCars.com
Anyone have any knowledge of Buy2LetCars.com. They offer an 11% return. Seems to good to be true so probably is.
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Tesco ISA computer system error
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Compensation Scheme for Nominee Shareholdings
The £85,000 compensation limit for cash savings is widely known and often publicised in the press. What is less widely known is that the compensation limit for shares held in nominee accounts is only £50,000. Those who invest in shares ISAs are compelled to use nominee accounts for their holdings under the government rules…
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Whittards 'Tea investment'
Interesting mail/survey from Whittards suggests they are considering a novel investment. Probably still a long way off, but the proposal may be invest £1000 for 3 years and get £100 of free tea a year plus a discount on every purchase (10%?). After 3 years you get the £1000 back. Given that we only drink tea and spend…
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Investment help
I have an endowment policy that has matured and I have about £55K to invest, I'm going to spread some across a cash ISA and shares ISA up to this years limit, but I don't know what to do with rest . I'd like a monthly income, even if its small. Anyone care to suggest suitable accounts? I've been told the stock market is to…
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Joint Account versus Power of Attorney
My dad is in his late sixties and wants me to open a joint account with him that will allow me to access his £40k savings if something happens to him or he becomes incapacitated. I have reservations that if I get made redundant I won't be able to claim Jobseekers or Housing Benefit—I understand that this is the case if you…
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getting the timming right for index funds
Hello, I would like for the first time in our life to invest both our annual ISA allowance of £11520 in index fund trackers. After doing some research I plan to open 2 TD direct accounts and choose 2 Vanguard LifeStrategy Funds. I’m thinking since all our savings are invested in various bonds I could choose something more…
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Pension - Annual pension v Lump Sum
Final salary pension scheme allows £1 sacrifice in annual pension for £12 increase in lump sum. Opinions please on max pension v max lump sum.
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Interest - Non Tax Payer
Hi, I was wondering if anybody could clarify what happens with tax on interest on your savings. I understand that banks automatically take off 20% and if you are below the threshold you fill out a form so tax is not deducted. I have read HMRC website but still a bit confused. I have always been a tax payer since leaving…
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Larger monthly payments and savings accounts
I've tried reading all the guides but at the moment I'm no closer to working out the best way forward. My partner and I are in a fortunate position where we will be able to save quite a substantial chunk of money per month. The aim is to collate enough together to put down the deposit on a house. We obviously want to put…
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£1000 > £10,000 in 1 year
Sounds very unrealistic perhaps, 10x your initial investment in one year, not common at all.. right? What I want to know though is with hard work and time, lets say a few hours a week for a year maybe 6 hours a week on average, so about 300 hours in total to turn £1000 of your cash into £10,000. So that essentially makes…
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Child savings help please.
My ex-husband died last year and left a 'work place' pension lump sum to both of our children. The girls are 12 & 15. They are about to recieve £60,000 each and myself and my sister are Trustees of this money. Does anyone have advice as to where to put the money? There are stipulations within the Trust Fund that say we can…
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jst found money in old TESSA what to do?
Just been going though partners old finances, he put approx £5,000 in an old TESSA way back in 1992 and has never done anything with it since then, a) what will it be worth now? b) what is best thing to do with it now, he is 62 and in ill health with no other savings now what so ever. Many thanks
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ISA transfer confusion!
