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100k where to invest?
Hi Guys, I have assets of 100k which I am thinking of selling, however I am not sure where to put the cash. My original idea was to buy flat and then rent it out, but I am not sure if that is the best option as it maybe to much hassle. By the way, I am British but I do not live in the Uk. I may return one day but not sure,…
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Nationwide internet banking
seem to be experiencing some technical problems. ? Anyone else having problems :beer:
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Return on investment
Hi all I'm looking at buying a family members property but want to rent it out for the first year as I don't spend much time in the uk at the moment.... I've done a few sums to work out my return on investment but they seem high have i made a mistake they go as follows purchase…
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best way to save £50k
My mum has been given £50,000 through a family members will and she doesn't know what to do with it. Just wondering what people on here would say is the best way to invest £50k? I think shes wanting to make it a low risk investment. Cheers.
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Financial Advisor takeover
Hello everyone. New to site and this is my first post. Has anybody heard of or had dealings with a company called Perspective Financial Group Ltd. We have been advised by our FA that their company is now part of this group. I've looked on the web and PFG certainly exist and everything appears OK. fendale
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Best options for lump sum savings
Hi, I have a 2yr fixed ISA account hitting maturity in the next couple of weeks & wanted to find out what the best option of where to put the money accrued. There is 3k in the account, however I have already opened an ISA this financial year which unfortunately does not accept transfers in but does give one of the best…
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Investing funds from house sale
We are in the process of selling our main residence. We have been in rented accommodation for just under 2 years. We have tenants in our property, but as the local council wants to force all landlords to make significant and costly changes to fire regs and security rules for landlords - we took the decision to sell. But we…
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Management Funds
Hello Firstly i'm just after some advice on management funding, i'm looking to try and put away £200pm for the next 5-10 years. However i'm currently wondering if anyone has any info on who's offering the highest interest rates/5-10 year policy. I know there are some that are offering 20-25 year terms, although that's far…
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Application for the 123 Santander current account rejected but why?
Hi, I recently applied for the above account but wad rejected. My credit score is excellent, I have a good salary and never been in debt. I have never been overdraft and Santander approved my ISA account last year. They will not tell me why I am considered a risk . Is it because I have said I am separated and have two…
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If a bank goes bust
How much do UK banks promise to replace on personal savings if the bank goes bust?
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Converting US dollars in bank account into pound sterling at fair exchange rate?
We have money in a Citibank US dollar account and, even though it is a UK-based account, the money is therefore held in US dollars. Citibank charge a very unfavourable currency exchange rate when making the payment to somebody who needs paying in pound sterling. I need to transfer a large sum from this account to someone…
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Investment Bond 'income'?
A friend has Investment / Distribution Plans from which up to 5% can be withdrawn without tax implications. I don't think this is classed as 'income' as far as means testing for grants etc. is concerned. Am I right?
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Want advice re isas and savings for a member of the family
My daughter is 24 years old, and, is experiencing monetary diffculties so much so that she is just about keeping here head above water, but, dosn't manage her money very well. My husband and I want to give her some money, but, think it will go quickly and be frittered away. We want to ensure that the money is locked for a…
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£15k to put where? please help
Have £15k from a divorce. I need that money for a deposit for a flat, I am renting just now and want to buy in the next 6 months. Where should i put the money, in what type of account? as I would like to have easy access in case I see a flat and can buy. However, I do have a £3k credit card bill but it's 0%interest for…
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IFA's etc. Has anybody ever been to one that has MADE them money rather than charged
them money for something they could have done themselves. I am always being called and chased by these people and it always involves me paying them. I thought they were supposed to manage my wealth and make me richer, not make themselves richer. if these people made me £2 I wouldn't mind paying the 50p for it. However, it…
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alternate investments world
I’m looking into getting in on the ground floor of the alternate investments world; I would appreciate any advice on this.)
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Pre-tax saving options for firefighter or anyone.
Good morning All, Currently the Goverment are playing god with our pensions, I currently pay 9.6% pre tax to my pension which is £260 a month. They are currently putting in plans from 2015 that will move everyone onto a 13.9% which will mean £363 on my wages will go into this pension pot. At the moment when you retire you…
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Using Tesco to meet the Santander 123 C.A. 2 direct debit requirement
In the early stages of all this & set up a direct debit from my internet saver & instant access saver on the 123 CA. The internet saver direct debit set up fine but the instant access saver keeps being set up, but then not actually appearing on Santander's page (& then disappearing from Tesco's). Do Santander not allow 2…
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Best place for long term savings for son
Hi there, My child (aged 10) has £40K to be invested into a account in his name with me as a trustee. I don't want him to access it until he is 18. Where is the best place to put it so that it grows?
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Just getting started, what do you think of my portfolio
Hi all, I've just started a new job and am going to regularly investing into my Halifax self select stocks and shares ISA. My plan is to invest a bulk sum of £5000 then £300 a month. I want the core of my portfolio to be index trackers where possible although I haven't been able to find a good UK small companies index…