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Santander 123 Int v Cash Isa
I have just opened a 123 account to get all the savings. I have 6k to save and was going to put 3 in 123 and 3 in a cash isa. For a cash Isa for this year but best rate I am seeing is 2.1% for 1 year fixed whereas 123 account is a contunious 3%. It seems crazy that the current account even after tax deduction is paying…
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contracts for difference (CFD's)
Anyone investing successfully in this sector? I am being phoned by someone punting these, but I would ike to hear from a successful investor as they appear somewhat speculative.
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Aberdeen Asian Smaller Companies - Trust vs Fund
Since opening my HL account, I’ve invested in a number of things before finally settling on putting all new funds into a Vanguard 100% However, I’ve just noticed that two of my accounts are: Aberdeen Asian Smaller Companies Investment Trust Ordinary 25p Aberdeen Global Asian Smaller Companies GBP D2 Accumulation Please…
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I thought I had it all planned
I'm 21 years old and money conscious, iv managed to save up £20,000 and thought i wanted to invest in property, but after reading a lot of information on this website i'm not sure what to do anymore. My situation: I live at home still and i can save £700 a month, i don't want to move out just yet and my parents have said…
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Free travel insurance outside Europe
I am after a new account or credit card or something that offers free travel insurance as a bonus? Are there any good special offers for travel insurance for a family to the far East? I can find offers for free travel ins new bank accounts around Europe but not what I want?
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Asset Classes
Hi All, I wonder whether someone would mind explaining to me a couple of the terms used in the asset class allocations of various funds. I understand what equities,bonds and gilts are, but I keep seeing the following: Investment Trusts Cash equivalents Money Markets Other Many thanks,
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NS&I Reduced Savings Certifcate Rates Again
Wednesday's Daily Mail reported that NS&I last Friday reduced the rate for Index-Linked Savings Certificates from RPI growth + 0.15% to RPI growth +0.05%. It also reported that the rates for Fixed Interest Savings Certificates had been reduced but gave no figures. I had not seen these changes announced in any news feed or…
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Crowd sourcing for property investments?
Just found this site - http://www.thehousecrowd.com/ Looks like an interesting concept, and maybe not a bad way for people to diversify their assets into property without the hassle, and without needing to put down £80k+/get a mortgage. Does anyone have any experience of using them?
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PennyStocks.com
I signed up for PennyStocks.com newsletter (naively) as I've never invested in shares before, and it looked (at first) like a low cost way to get a feel for things,but have since registered for a practice a/c at Share.com, much better . However I still get their emails, and their current "pump & dump" tip is xuii (xumani).…
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Time taken to open a Bank of Scotland Vantage account
How long has it taken people to open a Bank of Scotland Vantage current account? I sent the certified copies re identification two weeks ago and have not heard from them yet?.......thanks ed
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Savings/ISA's
So, I must admit as a man in my late thirties I have never had an ISA or a proper savings account and it is really time that I changed this. I would like some advice about the benefits of both, generally which would be considered better? We aren't high earners, but from September I will be working full time where as I now…
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Free monthly/weekly reports
Hi Wondering if anyone knows of any free weekly or monthly reports on markets, particularly the commodity markets and how the prices and production has changed. Not looking for anything detailed just a brief overview.
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House Sale Proceeds.
Following the sale of my house I will have circa £350K equity. I need to put the cash somewhere for a short-term and am reluctant to place that amount with one bank. I would appreciate any advice given the government protection only covers the first £80K.
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Ha Ha ... Bit off topic but ....
If you're bored or in a bad mood have a look at The new First Direct Advert on their website. :rotfl: No I haven't got shares in FD. I Just watched the ad. (make sure you watch the out-takes too) and I've been smiling ever since. Sun's out, forget about money & have a laugh at Barry their platypus. :D :D:D p.s. If it…
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Stocks and Shares ISA
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Making money off an investor isa
Having set a target of 10,000 I then check the share price of my funds if the overall fund rises I tweak the shares and draw of some of my equity. I cannot see any problem as the investor isa is dead money as it rises and falls. Has anyone have any thoughts on this.
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Newbie S&S isa
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Which Savings - newbie here
Hi guys, It's my first post here so be gentle, just after some friendly advice :) Basically, in a months time I'll be getting a 20k inheritance setup by my family years ago, the original intent is for a house deposit. However I would like to build on this and not have easy access so I don't blow it and spend it all on…
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Saving for godchildren
Hi - does anybody have any good tips on how to save quite small amounts of money for godchildren, please? I would like to save £150/year for my godson but National Savings & Investments have stopped letting anybody who is unrelated to the child buy their children's bonds.. any help gratefully received...
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Does your pension fund use private equity & hedge funds?
I've just discovered that my (deferred) occupational pension fund is 50% invested in 'absolute return funds' Is this the same as a hedge fund? According to this article so in view of the dubious returns should I be asking the trustees some difficult questions?
