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Investment Platforms/Supermarkets - good and bad points
For a while now I have been looking at alot of the well known DIY fund supermarkets and investment platforms including Hargreaves Lansdown, Bestinvest, iii, ATS, Cavendish & Fidelity. Although they all seem to offer something slightly different and currently have different charges it's hard to decide between them. I was…
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Cash ISA or Santander 123?
The UK's top rate cash ISAs on MSE for example include Tesco at 2.3%, this appears to be less than the 3% interest (2.4% tax paid) on a Santander 123 account (with over £3000 in it), why would I bother to put £5760 now into this ISA, am I missing some point? Martin and everyone else keeps on about not losing your cash ISA…
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Transfer old ISA's - help please...
Hi, I have a 2012/13ISA that is with the Halifax (now early 0.5% interest). I have also just opened a new Halifax ISA for 2013/14 (earning 1.75%). I want to transfer my 2012/13 ISA into a new provider at a better rate - but not sure what my options are, can I: * Transfer my 2012/13 ISA to a new provider - e.g. Nationwide,…
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Nationwide Web ISA Issue 3, 2.25% for 10,000+allow transfer in
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Paying tax on shares
Hi I recieved some shares from my parents and now want to sell some. I have been told I can sell so many (up to a certain value) before I have to pay any taxes. Is this true and if so, what is the amount as I cannot find anywhere that mentions this? Thanks in advance. :beer:
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Working out share price
Hi. I have come across various methods used for working out share prices, and am a bit stuck. I have inherited some shares in a family business which I don't really know too much about, and was wondering what their value might be should I come to sell them. Basically I have 10,169 shares that have paid half-yearly…
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HL and Cavendish s&s ISA
I have s&s isas with HL and Cavendish. Both from previous years. * Can I sell & buy (using the money from the selling of a fund) from both accounts? Sell something from HL and buy in HL and same for Cavendish. * But, I can only add money to one account, i.e. either HL or Cavendish for this year! * I can (if I wanted to but…
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Moneyweek - British interest rates & debt....are we all doomed?
I have just listened to the latest Moneyweek presentation about UK debt. The theme was that due to the amount of debt that the UK has accumulated and the fact that we are still continuing to run up even more debt means that we will soon hit a crunch point where interest rates will increase leading to the UK becoming…
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what should I do with 10k-isa?
Hi, I have 10k savings just sitting in a saving account in my first direct bank account earning very little interest. What is the best thing to do with this money in terms of saving? I dont want to risk losing it and am happy to lock it away for a year or so. I could also save about £200 a month. Totally new to savings and…
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advice for kids savings
Good Morning. I'm new to this and wondered if anyone could give me some advice. I have two small children, one born in 2008 and the other in 2012. They will soon come into some inheritance that theirgrandparents have stated in their will is not to be accessed until they are 21. They will receive approximately £12, 000…
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first time investor fund advice
I've been reading up on funds and have decided to take the plunge this tax year and open a stocks and shares isa and use it to mainly invest in funds. Looking around it seems one of the best performing funds over the past 5 years has been Liontrust Special Situations Inc Fund which seems to be up 80% over the past 5 years.…
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power of attorney rates
What would happen if an elderly person already had money in a long term fixed rate product --would it continue to run if a poa was suddenly needed to be registered? Im wondering too, if savings rates for people under the poa are dismal and not widely offered?
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Santander isa or esaver/current ac
Thought I would transfer my santander isa tomorrow to earn 2.5 per cent only to learn it is being withdrawn and being reduced to 2 per cent So my question is would it be wise to take out money from my previous years isas and put into my esaver currently earning 3.3per cent but drops in middle june and also top up my c/a to…
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Opened Leeds Building Society ISA - Problems.
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What's the best paying cash ISA for 30K?
Hi I have been with natwest eISA for a few years now and have accumulated just over 28K. I haven't added the new year's allowance yet. Natwest pays 2.25% AER. Is there a better rate cash ISA at the moment? Many thanks
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National Savings Income Bonds
As I understand it these pay out on the 5th of each month DAK what period that interest covers? The previous calendar month, or from the same date the previous month?
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Moving savings from Santander to a new account
We have recently transferred our Santander accounts to 123 and have maximum invested to get 3%, have Coventry savings accounts paying 2% but need to move the remained or our savings from a poorly paying Santander e`saver :( The accounts I am looka at are the West Bromich Direct Bonus account 6 at 2.05% - 4 free withdrawals…
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Why keep an old isa anyway
Why keep an old isa anyway .Dont all the banks just drop the rate of tiny amounts after the year ? Do old isa's remain tax free even if I open 1 for the current year ?
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isa or savings account?
i have a lump sum to put away about £3000 and can add anything from a few hundred upto £1000 per month to it. i have an existing savings account that pays 3.75% gross, (3% net i think) and can add max of £500 per month to it, so will often have surplus cash. i cant find an isa that pays better than this so not sure if to…
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Worth saving for two months?
Hi all, wondered if someone could advise me. I have £4,000 in my (Nationwide) current account which will make up part of our house deposit, to be paid in about two months time. Is it worth opening a savings account for just two months or should I just leave it? I've already paid £3,000 into my ISA, so don't want to put any…
