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what to do with jersey savings
Hello I have some savings in Jersey .. I plan to withdraw before the retention tax feature ends in 2015 Can anyone advise where else in the world is safe for offshore accounts or suitable products Obviously Jersey, Isle of Man etc are out ... Thanks so much :j
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Feedback welcome on plans for my £77k
Hi After a busy year, i've finally had time to look at my finances. Its not pretty. My £77k in liquid assets is currently split thus: ISAs £22.2k £5.5k Santader Cash ISA at 4% fixed till May 14 £5.5k Virgin Cash ISA at 3.75% fixed till Nov 13 £5.6k Tesco Cash ISA at 2.3% variable £5.6k Hargreaves Lansdown S&S ISA - to be…
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Can I save my money in my daughter's name?
Hi all I am new here and am hoping I can get some advice please. I wasn't brave enough to ask the lady in the bank today as I don't want to get myself in trouble! So, as we all know, the savings' rates are rubbish. However, my two daughters are both getting a lovely 3% on their easy access accounts. My husband and I are…
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Credit search bank balance?
please delete entered on wrong board thankyou
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Bye bye ISA's?
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Regular saver or ISA?
Can someone please tell me which would be better for someone who saves a small amount each month- £50 for example. I get that ISAs are tax free but surely the better interest rate from a regular saver would outperform any savings made from not paying tax on an ISA.
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worthwhile SAFE investments
Hi, i am about to come into a huge chunk of money and am wondering what is the best investment for my money. Ideally something that will grow for my children inlater years when i have gone? Thanks
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HSBC question
Wonder if anybody can help me on a question of process please. I have opened an HSBC "bank account". I have no need of the account and will not use it but want the 4% regular saver attached. I opened the account online and got immediate response that application was successful and they would write to me to tell me what…
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Redundency Financial Planning
Hi, Have looked on a few pages of the site, but couldnt see anything similar to my situation. I recently took up voluntry redundency / release from my currently employers. Basically the package was way too good turn down. plus i had plans to leave anyway to persue a different career choice. are there any sort of financial…
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Choosing an Investment Manager
I'm new to this investing game and am seeking your advice to help me decide what to do with my portfolio. I have just over six figures to invest with the objective of monthly income generation with relatively low risk. What I would like to do is just give the portfolio to an investment manager. However, the question is…
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How Charges Affect Investment Returns?
I read yesterday that the Government intend to cap pension charges to 1% per annum http://www.telegraph.co.uk/finance/personalfinance/pensions/10313935/Cap-to-protect-pensions-from-hidden-fees.html Could someone point me to an online calculator where I can work out how much I would save if my current pension charges were…
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putting shares into an ISA wrapper
Sorry if this is a silly question but I have some IBM shares which I would like to put into an ISA wrapper so that the interest is protected from being taxed. Struggling to understand how to do this - do I open a s&s isa and ask company to transfer them over? Thank you
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Cahoot status ?
Hi I have a Cahoot 2 year bond (at 4%) maturing the end of this month and have been looking for a similar 'follow on' product. Strangely Cahoot are not advertising any new savings accounts of any kind. Are they winding down and will eventually become just Santander ? Anyone know what is going on there ? Thanks
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retention tax in jersey
i received a letter from santander jersey today .. 3 pages long that states from 2015 they wont offer the retention tax facility .. fine. however it also draws attention to a disclosure facility from 1999 .. I've been paying retention tax .. does this mean that inland revenue can find out out my tax affairs from 1999 or is…
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Junior ISA frustration
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DCM? They're stealing my money!!!
Aren't rainy days wonderful. More time spent indoors browsing rather than outdoors, slaying plant-life. Been reading an article on Citywire about Murray International and the current premium, and one of the follow-up comments prompted me to have a look at a few numbers. The next bit is a cut-and-paste from my own comment,…
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Should i pay off buy to let?
Hi there I have a 60k mortgage on a buy to let property(which i hate but its a long story) The 400 a month from rental i get from this pays off its monthly mort , bills n repairs etc (mort is about 300k£ I have got 60k coming out of a fixed rate bond which has paid me 5 pc gross, in Oct Being as interest rates are so low…
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Best way to invest help...
hi ive managed to save £9000 in the last 12 Months towards a house deposit and ive done this using the TSB esavings account which up until today i thought was good.... Anyway to cut a long story short ive got my yearly interest yesterday and im so dissapointed they paid me £4 interest on 9k! Anyway the question im asking…
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Ltd Coy/Legality
friend has submitted various applications for new Ltd Coys. I know that you can use different addresses to 'muddy the waters', but is it legal/acceptable to use a combination of 'different' names' ?, eg Barry James Surname on one, James Barry Surname on another, Jim Barry Surname on another ?
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information needed
Who has heard of Tom Winnifrith and is his advice objective?
