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Savings account affects credit rating?
At the moment I have the following accounts: HSBC Current Account HSBC Mini Cash ISA Halifax Current Account Halifax Mini Stocks and Shares ISA I am tempted to open a Santander 123 current account to transfer about £15,000 that is sat in current accounts earning no interest. I mentioned this to Halifax and they said it…
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A decent strategy for a short term gain?
I'm new to the world of investing in shares (the recent success of the Royal Mail whetted my appetite) and I'm looking ahead to the next government sell offs to the public, namely Lloyds TSB, Royal Mail round 2 (won't miss the boat this time!) and in the much nearer future, Urenco. I'm looking to subsidise Urenco by having…
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Savings advice
Now that we have something of a regular income, my wife and I are starting to think about saving a bit better. We currently have one ISA paying 2.5% until the end of the tax year and another paying 2.6% but that one runs out next month. About £9k in total across both. We'd like to start regular monthly saving on top of…
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Halifax share dealing-funding purchase?
With the Halifax share dealing account will I need to deposit the funds into the account before I buy or can I just pay with my Halifax debit card attached to my Halifax current account? Thank you.
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what to do with sons money
My dad has been saving for my son since he was born and there is now 3k in his childrens savings account. I am thinking about buying premium bonds for this amount and then any winnings let him have to spend ( he is 8 now ) or put back in his savings account. Does this seem like a good idea or should I leave it alone?…
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Natwest scam?
Ive recently been getting emails from someone called Paul Riley(Head of credit cards) at Natwest, I think it may be dodgy but not sure. Each email varies slightly ie; This is a short emailto let you know that your NatWest Credit Card Online Services security detailswas recently changed on Sunday, November 03, 2013 at…
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Schroder Oriental Income Fund
I'm on the verge of buying into the Schroder Oriental Income Fund Investment Trust. Looks like I just marginally missed my strike price today but I notice that somebody sold 250,000 shares for the best part of half a million quid at 4:28pm just before the stock market closed.…
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Good time to start investing in the FTSE?
I want to start investing in the UK stock market for the medium to long term but am uncertain if its a good time as it seems to be very high. I missed the boat when its was well under six thousand. However there is nothing to suggest that it will drop that low again. What do you guys think?
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day to day access to money if a bank fails
Hi I'm sorry for the possibly basic question but I can't seem to find an answer to it. What exactly happens if a bank fails? I understand about the £85k etc but what happens in the short term? Will customers still be able to get access to their accounts as normal and carry on with day to day banking? I ask this as my…
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Maturing Fixed Rate Bond/Cash Isas
Hello, My wife and I have a 2yr fixed rate bond maturing this week with around £28K being the maturity amount. Neither of us have used up our ISA allowances this year and therefore I was looking to put 2 x £5760 into two one year fix rate cash ISAs with Skipton BS (1.8%) and the remainder (approx. £17k) into a one year…
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funds
if you had £50 to invest monthly in a fund for the long term (say 10-20 years) and you already had £50 a month going into a general tracker type fund, what riskier areas would you go for? property? natural resources? emerging markets? Cheers
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Cahoot Log in problems
I have been trying for 3 days to log in to my Cahoot accout but keep getting an error message "sorry an error has occured". Anybody else having problems logging in?
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Novice to savings, just sold flat & need advice!
I just sold my flat in London & was very lucky that it had increased a lot in value since I bought it. I will be buying a new property somewhere in south/south west (& hopefully downshifting to a life with less frenetic work hours) but probably not for 6-12 months or possibly longer so I need to work out what to do with…
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ISA's under threat
Has anybody heard the rumour that ISA's might be under threat? next year they go up to £11760 but a few web articles make me quite worried? http://www.mindfulmoney.co.uk/uncategorized/threat-of-lifetime-limit-on-isas-it-may-be-wise-to-use-your-maximum-isa-allowance-while-you-can/
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Long term plan help
I'm 42 and for the first time in my adult life I am debt free so have started thinking about my long term finances. I am a civil servant and currently have 25 service in and have no plans to leave. I live in rented property following the break up of my marriage so no savings / equity available there. My long term plans are…
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Timings for online LBG current account applications
As you can have up to three each. Have people here been successful doing multiple online applications in one day? If not what's the best way?
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Advise about buying a property and investments
Hi all, I'm looking for a bit of advise as I have some money that I want to put to good use (rather than sitting in the bank) and some investment plans that I have in mind. To start with, I don't have any debts, earn around 60k and have around 50k saved in the back, between a santander 123 account and an cash ISA (which I…
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£70k where to put it?
I'm self-employed so don't have a regular income but always manage to pay the bills and am not in debt. I have a Co-op Bank current account for everyday direct debits and a have a Co-op/Britannia ISA which I've paid the max into for this year. My long-term savings are in a Post Office account that has just changed to a…
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£70k windfall - what should I do?
I've recently inherited £70k plus I have about £50k of savings. I have £36k outstanding on my mortgage (£20k of which is interest only) at a rate of 2.5% (base rate). I was considering paying off my mortgage but will be renting out my house soon so understand I can offset the interest against the rental income. Possibly…
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setting up 3 x Santander 123 Accounts
Setting up 3 x Santander 123 Accounts. After reading the posts on this subject, I have come up with a plan. First Direct Acc (salaries paid into this acc) On 16th of each Month send £500 to 123 Acc 1 Santander 123 Acc 1 – receives £500 from FD Acc on 16th each month. On 17th of each month send £500 to 123 Acc 2 Balance:…
