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Tax on shares
Hi I have sold most of my portfolio to fund a house move, looking to find a nice bungalow. Have sold the funds but left the money with HL just in case we cant sell and we dont move, then I will reinvest. I have about 11k worth of National grid shares which I will sell after April 6th this will not incur CGT, but will I…
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Fixed rate ISA query
Hi all, Quick question, I opened a 2 year fixed rate ISA in August 2012, due to expire in Aug 2014 obviously. Ive put a little money into it. With the new years ISA's ready to go in a day or 2, im wondering what my options are with adding more money for this new tax year? Ive tried adding money just now to my existing ISA…
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First Direct- have to pay in income?
I'm wanting to join First Direct to take advantage of their £125 joining incentive, but I do not want to pay my wages in to that account. Can I just pay in £1000 per month and transfer a couple of direct debits from another current account that I have?
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Kepping cash at home
Following the problems in Cyprus, do people here keep "ready cash" at home in case the banks suddenly close their doors for a weeks or two ? Given that the Cypriots are limited to about £350 a day, do people think it is prudent to keep a couple of thousand in a cardboard box under the bed ? :o ( And it should read keeping…
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Investment in physical objects
I havent found a similar topic in here but i'm wondering what other peoples thoughts are in inheritance investment in objects such as valuable coins or precious metals/Diamonds? The kind of things that keep their value over the test of time. I ask because I have a few Ancient greek coins with the oldest dating back to 500…
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Fund Expert.co.uk??
Hi, How is everybody experience on the website fundexpert.co.uk? It has just informed me that the funds I am thinking of investing in are 2-3 "stars"- but was wondering what other investors opinion was on these ratings? Thanks,
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Savings fund for children
Hello I have just found out a member of my family is pregnant and would like to set up a savings account that they cant touch until the age of 18 but that I and other people can pay into in the meantime. The child isn't due until August and most of the ones that I've seen say they need the childs details but I want one…
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Confused About Barclays Instant Cash ISA
Hi peeps! I just wanted to ask your opinion on this, I'm a Barclays customer. I have a simple ISA with them but just the other day I saw they have this ISA called Instant Cash, and they allow you to put more than £30000 in there? I thought the limit of money you could put in a cash ISA was the limit the revenue sets every…
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Investing SIPP in oil?
I think the global price of oil will inevitably rise in the longer term. My pension will be growing for likely at least another 20 years before I take it out, so I can cope with some considerable volatility. So I wonder about putting some of it in oil. I am a novice at this. I searched the funds available in Hargreaves…
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What if Cyprus happened in the UK?
Hi All If what happened in Cyprus happened in the UK how would NS&I holdings be affected? Since NS&I holdings are supposed to be 100% protected. Say you had £100,000 in NS&I certificates, since you are over the limit with one provider would you have to pay the 60% charge? Kindest regards James
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Inheriting shares
Could some of you knowledgable people please settle a debate in our house about wills and inheritance?! Are shares / managed funds automatically transferred as shares /managed funds to the person that inherits, or do they have to be cashed in (if there's only one beneficiary). Does there have to be something in the will…
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ISA confusion
I've currently got a Principality ISA which I opened a year ago and the interest rate is something like 3% (I can't remember exactly). So to benefit from the tax-free savings, I'm assuming that I need to put everything I can into there before 4th April, and then when the rates are lowered, transfer everything into a new…
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savings
Where is it safe to put my money outside of the EU
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The next market down turn!
Realising my investment issues are trivial in comparison with the potential death and maiming of millions but …. It seems North Korea is determined to push the world to the very edge of nuclear war. I wondered when people thought this would/might impact the markets, and in what way? It seems to have had no or very little…
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Dividend payments
Quick question: How long do you need to hold a share before you get a dividend?
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standard life
[FONT=Arial,Verdana] Received this email from Standard Life about share dividends. These are free shares that they gave out. Not sure what it means. What is a final dividend? How would we receive the one off payment of 22.6p? Can anyone explain what this means? Dear Shareholder, [/FONT] [FONT=Arial,Verdana] We’ve had…
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Worth swapping account for the 6%?
Hi all, I currently have a savings and a current account with Santander, but the savings account has come to it's end. The decent saver rates are low all over but First Direct have a 6% saver if I swap over to them (both Accounts). I normally save £150 pm in a 'holiday' account so 12 month account suits best. My only other…
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St James Place International Investment Bond
Hi I've been recommended to take out the an International Investment Bond with St James Place. I am a UK citizen but am currently living abroad. There are a couple of things that concern me: 1) Is now a good time to be investing in stocks and shares; 2) is St James a reputable body; and 3) I've been quoted a tiered exit…
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Bank of England and FED publication - Scary
Resolving Globally Active, Systemically Important institutions (10th Dec 2012) Please refer to bankofengland.co.uk website: publications/Documents/news/2012/nr156 for pdf (No access to add weblink). The key points of the report are probably: 1. Future bank bailouts will be funded by shareholders and creditors (including…
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30k To Save, Where To Put It?
Hi! If I have £30,000 in cash, where is the best place to put it, for a LONG TERM gain? How much could I possibly gain, say, over 10 or 15 years? And is it best to invest it all in the same place or split it up? All responses will be appreciated!
