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Please help me with my £21k
I have an ISA with Santander with approx £21,000 in it The rate is going to drop next week so I need to do something with it. But what? I have an account with Ulster Bank that pays 2.50% that I could put it in (and pay tax on it of course) Or what ISA rate should I be looking for that matches or betters the 2.50% savings…
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5% return on £10,000 - how do I find investors?
I have a small business lokking to purchase the premises that are currently leased. We pay a high rent, mortgage repayments should be half of what we pay in rent a month. In order to raise a deposit for a mortgage, we are looking for investors and offering a 5% return on their money. I there anywhere I can find these sort…
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Just for fun - whats your average interest rate across savings?
I've just had a play around with a spreadsheet I keep. Across around 20 accounts (Regular saver, instant, ISA, current accounts, fixed rate etc) I've worked out what I'm getting. I've ignored a couple of RPI and Stock Market prediction type of accounts. My magic number that I come out with is 4.5% before tax. Hows everyone…
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Impending financial doom
I've just read a report with some interesting (worrying!) figures in it. Of course designed to sell a subscription of some sort at the end, but still worth a look. I'm interested to know what people think about this, it does make you wonder how much of our savings should be tied up in the UK if it's accurate. As I'm pretty…
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Share Trading - Best Brocker for ISA?
Hi, I'm looking to use up my ISA share allowance to buy some stock, however not entirely sure which to use. Was considering using TDWaterhouse, but a lot of feedback seems to be negative from them. Then was thinking of using III (Interactive Investor), but it seems I need to pay £50 to cash out of an ISA if wanted to? Also…
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Where to save now....
Hi, My ISA coming to an end and to be fair the rates are not that great are they. Ive got enough money coming in that I would like to get a monthly income off of it ( yes were not talking alot here but this is MSE after all ;) ) Its £3k anywhere else or £4K if you suggest Lloyds vantage account. I see NW flex direct is max…
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How many ISAs can my child have?
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Best Stockbrokers
Hi I am looking at buying some shares (I have identified the ones I would like to buy) and I am looking for a place to buy. X-O look the cheapest, but I am a bit concerned as to whether they would pass on the benefits of being a shareholder to me (as they charge £20 to go to a AGM). Does anyone have any recommendations,…
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where to put £250k for short term
Hi, i have been looking around where i can get a good rate for my money, we have sold our house and have about 3 months until our new purchase goes through, and having looked on the internet can only seem to find a rate of around 1.5%. Do any of you fellow mmsers know of a better rate short term ? thanks in advance
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Cash on deposit within an ISA
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Beginning investor
Hi! I want to start investing. I've been looking at the Natwest Monthly Portfolio builder and their FTSE 100 tracker? Can anyone give me any advice on what I should do? Thanks
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Newbie Saver...any advice?
My hubby and I are in our mid twenties, ex students having only recently got rid of the last of our commericial student debt...we have made some disastrous financial decisions in the past but with a little help from family we're "getting there" and learning how to handle our money properly. Even though we're on low incomes…
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Enterprise Management Incentive (EMI)
Really hope I am posting this in the right section. I have recently been offered the opportunity to join an EMI scheme. The basics of it being that I must meet a sales target each year to earn 1% of the company shares i.e hit 5 years, receive 5%, only hit 3 out of the 5 (consecutive or otherwise) and I get 3%...simples!…
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Santander 123 Current A/C long term?
Sorry to start another post on the topic of the Santander 123 currentaccount, but I haven’t seen much discussion of how sustainable this is, or what the business model Santander have for this product. I’ve posted in the Savings & Investments forum, as for me I’ll be using it as a savings account. It will tend to attract…
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Shares - help please.
My husband has some Centrica shares, and they've written to him asking if he wants to sell (20p a share; max. cost £50) Unfortunately he is terminally ill, and we would like to know what would be best to do with them. Should we sell now and realise the value which could be banked in a joint account? Is now a good time to…
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Where is the best place to save for a house?
Hi, I have had promise of a PPI complaint payout today, just under £5000 and we have agreed to use it to start saving for a deposit to buy a house. I am on maternity leave at the moment but go back to work next month and so we are planning on saving as much as possible for the next 12 months to buy a house this time next…
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Advice on £50k to save - instant access req
Hi, My partner and I have approx £50k to save after we fill our ISA's this year. Will be looking to save this in an account that will allow us instant access as it will be used as a house deposit when we find the right place. The remainder for improvements etc. We have a flex plus account with Nationwide and a normal…
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S&P admits no one should believe its ratings!
Whilst all people are sceptical of ratings agencies nowadays, I never thought one would actually admit their ratings were all marketing hype! Amazing what they will say to avoid getting fined! http://qz.com/101722/sp-amazingly-says-no-one-should-believe-its-ratings-are-independent-and-objective/
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Matched betting forum - who?
Never even looked at it, but before I dip my toe in, does anyone who posts in this forum "do" a bit of matched betting now and again or regularly? (Ronaldo Mcdonaldo and moneysavinglog I already know about from the daytrading thread)
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Daytrading
Dear Forum I am not sure if this is the right place to ask this but I imagine someone on here will have more knowledge than me! A friend of mine works as a daytrader over in the US. He has kindly offered to show me the ropes using paper-trading. I was wondering though, as a citizen of the UK, exactly where I would stand if…
