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Ex-pat with savings looking to keep them safe & tax free!
I'm British and work in Dubai currently. I have around 30k GB saved and plan on saving substantially more over the next couple of years but do not know where I should keep this money - I do not want to keep it in my UAE bank, but transferring thousands back into my UK account might attract attention & I don't pay tax on it…
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Santander Direct ISA 2.5% – Being withdrawn
I was on the phone to Santander to open the 2.5% Direct saver ISA this weekend with the intention of transferring in later in the tax year in case they withdraw the ISA anytime soon. (I’m currently on 3.3% fixed until June). Apparently they are planning to withdraw the product by Monday. Just a heads up for anyone…
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Clarifying points on a cash ISA
I had a cash ISA with HAlifax in 2012-13. I had to withdraw some money during year and had a balance of £500 in it on 5.4.13. I went and paid another £200 into it this morning without thinking. So, as I am aware you can only have one ISA allowance per tax year, so I can still save the 2013-14 amount into it (even though…
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Finsbury Growth & Income Trust
Currently us Cavendish Online which I am happy with. They don't offer a route to acquire Finsbury. Can anyone suggest how best to acquire/hold without incurring silly charges for a single holding?
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First time investor help
Hi all, I'm researching opening a S&S ISA, as I want to try and get better returns than on a cash ISA and was looking for some advice. I'm thinking of going down the index tracker route to begin with. Is that more sensible to a first time investor? Vanguard is a name that keeps popping up in my research but does seem to…
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Capital Loss
New poster. Please be welcoming. I inherited some shares which I later sold. It was all free money as far as I was concerned, but now that I come to do my tax return I realise that on paper I made a loss for CGT purposes against the market value at acquisition. The "loss" is only about £4.50 though! Am I required to…
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Maximising our savings - help please
Just wonder if anyone can advise please: Saving £200 a month for our wedding, will not be touching the money for at least 12 months. Currently in a Halifax account paying 0.05% gross interest, paid net. We have household savings of £500 (rainy day money) which we intend to add more to, that's in a Halifax account paying…
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Forgotten savings accounts
My mum was doing a bit of clearing out and she's come across 2 of my old savings books from when I was knee high to a grasshopper. 1 is a National Savings book, I remember having to fill in forms ans having to wait to be allowed to take money out at the post office. The other is an old Abbey National Instant Saver. The…
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ISA Transfer for non UK resident
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Are these fund choices any good?
I've been looking at the following in the HL Wealth 150 to drip feed into my isa each month. Any suggestions for any others I could look into or is this enough. I'm thinking of a equal split across all of these. Aberdeen Asia Pacific A Accumulation Jupiter Global Managed Fund Accumulation Units First State Global Emerging…
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santander investment help.
I have been sorting out my mothers paperwork with her. I found she has a santander guarentee capital plus in 2009. When I asked her about this she said they told her it was good investment as she would get her money back if the investment didnt do well so she invested £40,000. Looking into this I have now found out that it…
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Halifax Savings Retention Specialist?
I was moving funds away from Halifax due to an expired bonus period and got the following: I went ahead with the payment anyway as I wanted to use the funds for my 2013/14 ISA, but has anyone else got this message? Did you ring the number? I wonder if they would actually do anything but advertise whats available on there…
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Investment vehicles
Hi all, Am keen on diversifying my investment portfolio with this years ISA allowance and am looking to do some research into commodities, natural resources/mining, infrastructure (both developed and developing) and property. Any thoughts on whether there's value in these areas and how to find it? I'm particularly lacking…
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A question on share transfers,If any-one know?
As husband and wife couple bought few shares over the years. Now the couple are ageing and not in need to cash any of their shares. Can they transfer the ownership to their children who are still minors? or the shares have got to be sold and bought again in their children's name if they wish for those shares? I know about…
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ISA Monthly/Yearly Interest
Hello, I want to transfer a previous ISA as well as continue saving with the new year's allowance. I am saving for a house deposit and hope to start looking for a house in January next year, so I may have to withdraw all money out of my new ISA before April 2014. I have currently got an ISA with NatWest with 1.75% AER, in…
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Lloyds / HBOS Merger - Find my shares!
Hi all, My wife got shares in HBOS when Halifax demutualised in 2001. She kept these in the HBOS Shareholder Account for 8 years, until the credit crunch happened, at which point she assumed they were wiped out due to HBOS' financial situation at the time and gave them up as worthless. I have recently realised that under…
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Losing £300 in interest this tax year...
The income tax threshold goes up which helps bag me an extra £200+ this year but...... interest rates have bombed. I am going to be £300 worse off in that sense.....it kills me to think about it...... Where can I get 3% interest again? I can only get around 1.5%
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How to invest my money?
Hello, newbie here. We are selling our house and soon moving out. We'll go into rented for a while as we can't find anything suitable to buy right now. We have quite a bit of equity in the house and will end up with £570K cash. How to invest it to get the best return while spreading the risk but also keep it available at…
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ISA question
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Which is best?
Hi, I'm sure there have been posts about this before however I haven't been able to find anything relevant. I am saving for a house deposit and wedding, at the moment my partner is doing a second degree at university so for the meantime it is just me saving. I can stretch to about £600/£700 PCM, do I place the money into…
