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Savings diary of a slight shopaholic...
Hi everyone! This is my try at a savings diary.. Moneywaster2007 really inspired me to make more of an effort with curbing my spending and saving some money.. So here goes. I'm a 26yr old renting a flat with my other half. For the area, rents not too bad I suppose, but its still a big chunk of our wages - £360 each incl…
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best place for my 10K
Hi All, I have 35k in my cash isa, and used my allowance for this year, I have 6k in Lloyds shares and 10k cash in a normal HSBC account due to my redundancy a few months ago. I have a new job so I'm reluctant to use all my 50K savings to pay off my remaining 50k mortgage until I've been taken on full time and I'm happy…
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Savings and a Commercial Investment Property
Hi, :beer: I need some advice regarding investing a large sum of money into a commercial investment property, which will generate an income. My brother in law and his wife have just sold their business and inherited a sum of cash from her parents, they died. In total they have around 550k in sterling to purchase something.…
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ISA Savings & Death
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In which order?
I will shortly have £7500 from various maturing savings accounts and I would like some ideas of where to put it. My initial thought is to open 3 more (I already have 1) Nationwide FlexDirect Accounts in the hope that I will get the interest on all four. (I will try it for a month and if it doesn't work, I will move my…
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Anyone heard of Harewood Property & Investments
Has anyone heard of Harewood Property & investment Company? Check them out at harewoodassociates.co.uk They offer a 12%PA return on investments from £5000 to £250,000. Just wondered if anyone has heard of them and if they are above board. Any help with this would be greatly appreciated. Thanks
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Paying off mortgage vs Saving
I'm currently in two minds about what to do I have enough savings that I would be able to clear my remaining mortgage, what are the pros and cons, my current mortgage is really really cheap.
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Any automatic savings accounts
hi i'm new to this site but feel its my best chance to get my question answered. here is my thing, say i earn 1000 pounds per month, but i am due for a pay increase to say 1200 pound per month and also i can do optional over time to the point in which my final pay check for one month can be up to 2000 pound per month yet i…
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Single deposit to fixed account but HSBC £10,000 daily limit?
I shall soon have £120000 needing a new home because of a rate drop and I have been looking for a new home for it (yes, I know about the £85,000 safety limit). When I look at fixed rate savings accounts, I see that many/most do not allow any deposits except the initial one. I can transfer all my savings to my current…
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Faster Payments limits
Apparently this is the oracle: http://www.paymentscouncil.org.uk/resources_and_publications/faster_payments_value_limits/
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Savings - HELP
Hi all, I've been reading through the threads on hear and there seems to be a lot of far more knowledgeable people than myself in regards to money, accounts etc. I've got some decent savings but they seem to be all over the place. I've recently opened a Santander 123, nationwide flex and lloyds vantage accounts. Currently…
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Services of an IFA
Hi, Assuming one has a large sum to invest (500k plus) and is considering the services of an IFA, what should I be looking for? How many consultations should take place between customer and IFA when planning the investments? How long should a consultation last? Some time ago I phoned a couple of IFAs in my area and when…
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Aspiring Young Investor!
Good evening guys :) Hope you've been enjoying the sunshine! My name is Sean and I'm 19 years old. I've just completed a fantastic first year at Surrey, studying Economics. Just as an aside -- in the next few weeks, I anticipate completing the purchase of a 2 bedroom flat in London (:D) which I will regard for this summer…
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Re-investing small endowment policy
I really need to sort this out! My house cost £43,500 in 1999. For several years I paid an endowment mortgage. For reasons too complicated to go into, I have not been paying the endowment part for 8 years. The total is £6364. Each year they send a statement (got one today) and they are taking money off each year for…
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2012 Returns
Hi All, How much did everyone make in 2012 from savings and investments and where did you have your money saved/invested? Thanks.
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Mortgage/sharesave/savings what to do???
Not sure what to do! I currently have a £53916 mortgage which is on interest only at 2.5%, paying £118 per month! No payment vessel as the endowment was tanking so cashed it in as dead money every month (was only going to make around £1000 profit over 25 year based on the projections!) Recently a sharesave scheme matured…
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Best way to save for grandchildren?
Hi, i have never really been too interested in making the most of my money - always considered it very dull and too much hassle. That is until now! I have 4 grandchildren, and i would like to invest £1000 for each of them sooner rather than later.I feel that i could afford to lock the money away for up to 10yrs, and then…
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my portfolio
ISA* Eclectica Agriculture * Smith & Williamson Global Gold & Resources * GlaxoSmithKline * Vodafone * Great Portland Estates * Standard Chartered * Amazon * Anglo American * Glencore Xstrata * Royal London Mini Stocks & Shares (Ins.) ISA Pension * Threadneedle Latin America * Neptune Russia & Greater Russia * Fidelity…
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What Do I Do With My Inheritance?
Hello, I am 50 years old, self-employed and have a fairly low income. I live in rented accommodation in London and have no savings, pension, assets or anything else. In fact, I am in debt, although not heavily (£1000-£2000). I am soon to inherit roughly £150k. Which is clearly a good thing for me, but I have absolutely no…
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www.share.com good or bad?
Hello, I am looking at putting about £1000 into some shares i have the https://www.share.com practice account so was going to just open a real account with them and start investing the £1000? Is this a good idea? Does anyone know the cost they charge to buy and sell and withdraw the money later? i have never done any form…
