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Monmouth Reg Saver
My 5% reg saver expires with them next week, can I transfer the funds to another bank easily or do they send cheques/some other way? I ask because I've just closed a N+P account and they insist on sending a cheque which is a pain as I'm not currently at my home address!
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savings help
Hello everybody Me and my fiancee are saving up for a deposit for a house we curently have £2400 in cash but would like some help of an account to put it in. we are saving £560 a month so what would be best to do with the money? a savings account? or something else i have no idea lol thanks
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Advice for investment or saving with 20k
Hi, I'm looking for some financial advise. I have 20k in savings and can save approx £500 per month and i pay rent. Currently my savings are in a Santander 123 account with approx 3% interest, but this interest is only earnt on upto 20k. I would like advice on how best to invests my savings. I've looked at shares in a low…
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Is Cash King at the Moment?
Considering the undoubted risks out there at the moment ie bonds, equities, gold, silver, property bubble etc, is cash king at the moment?
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Banks stealing our savings
Hi folks, I keep reading that banks have given themselves the right to swipe money from our savings accounts should they feel the need. See: It Can Happen Here: The Confiscation Scheme Planned for US and UK Depositors Posted on March 28, 2013 by Ellen Brown (google Ellen Brown for more) Confiscating the customer deposits…
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Exchange Traded Funds
Does anyone here hold any ETFs? What ones do you hold and for what purpose? For example FTSE 100 All Share ETF? MacQuarie Global Infrastructure ETF? Am I right in thinking that these are collective funds such as IPHI but the main difference is the value is "live" on the stock exchange not updated at the end of the day?…
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DTL Direct-Trader: Anyone had dealings with them
I've received a phone call and a brochure from a company called DTL Direct-Trader(http://directtrader.net/). They appear to boast of quite high returns on investments through their stock market trading program. I've checked them out online but am interested in knowing if anyone here has a) used them and b) cashed in some…
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Should I invest in stocks? How do i go about it?
Hi all, im 25, self employed and don't have a hudge budget to invest. My question is where should I start? Can money be made fairly quickly from stocks? Which are the best to go with? Etc. I've been thinking about buying some stocks, but now sure where to start, or if it's advisable or not. Also what are the best trading…
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Investing for Book
In addition to Tim Hales book Smarter Investing I also have a book called Investing for Income (Grow Your Income Through Smarter Investing) by David Stevenson. If, like me, you are interested in income investing so far and I am only about 25% through it is a very interesting read. Basically: Quantitive Easing = Misery for…
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Smarter Investing
My books have arrived! Time to listen to Tim Hale
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Santander 123 Current account - No students allowed?
Hi, a quick question about the Santander 123 current account. I've been with Halifax for years and I receive no interest on my current account balance and a poor rate on my savings account. I'm a full time student but I also work part time. I earn just under the £1000 pm to qualify for the Halifax account where you could…
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Worth talking to an IFA?
I want to invest around £80k for the medium to long term (want a steady income in 15 years time). Is it worth talking to an IFA? I realise from reading threads on this forum that £80k is considered a "small" investment for an IFA. I was considering signing up with iii and using a mixture of their ready made portfolios and…
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Fund Dividends
As some of you know (redbuzzard grizzly1911 gadgetmind) I was since early April dabbling in some investment funds. Namely IP High Income which I still hold, Marlborough Multi Cap Income, Newton Asian Income and UK Uncorn Income and Turkey and Japan. I have cashed all but IP High Income in and I was wondering that although…
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SBest short term saving account
Hi All A little help and advice required, i am sorry if this is covered somewhere else but am new to this. I have had to free up £50000+ to fund some land purchase of my small farm which will be going through in about two months. Where is the best short term instant access or very short term fixed term offers? My bank is…
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Reclaiming tax paid
My wife has an OEIC / Unit Trust fund with Cofunds from which she took about £1000 in dividends last FY - She paid 20% income tax on this - she does not earn enough to take her into even the lowest rate of income tax - can she reclaim the tax paid from the taxman ?
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Estimating Total Charges For Funds
Mentioned in Saturday's BBC Radio 4 Money Box programme. The True And Fair Calculator www.trueandfaircalculator.com I haven't used yet myself but think it may be worth a look. Update: Link to the programme. Item starts 12m23s in. http://www.bbc.co.uk/radio/player/b01sll2h
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Is there a way to convert my € to £ with a low commission?
I have several tens of thousands of euro in a Spanish bank which I want to bring to the UK. For logistic, legal and tax reasons, given the amount, I can't just bring them in my suitcase and change them in the postoffice. So I'd have to go with a bank, but in the average high street bank I can lose up to 10% on the exchange…
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"Bonds in a bubble" - What does that mean?
Ok so there is a lot of chat about “bonds being in a bubble” and a lot of people are saying they would stay away from bonds. But I am confused. Maybe I fundamentally misunderstand all of this but my simplistic understanding is that when talking about “bonds” we are mostly referring to corporate bonds or government issued…
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Three year mlnthly savings accounts
My Coventry BS Anniversary saver account is about to mature and I am now looking for a replacement three-year plan, where you save a monthly amount and are paid a lump sum at the end of the period. the Coventry are unfortunately discontinuing this product. All the products I can find seem to be either a fixed bond whre you…
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Which company should I open my S&S ISA in?
Hi everyone, I am wanting to start investing and have been reading up about it but I am confused about which company I'm best to open my USA with. I've looked at Hargreaves lanshown and like they set up but don't like that you have to pay the £2 platform fee for a lot of their trackers. Also looked on cavendish online and…
