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Share.com Practice Account Accuracy?
So quick question. How accurate is the share.com practice account? I started on the £15,000 fake money to try out a bit of buying and selling and i have now grown it to £16,300 in 6 months. Now that might not be much to some people but I wanted to see if people think its time i started to trade on the full share.com…
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Have Santander stopped offering paying into the eSaver via D/D?
I know they used to do it because i think it was my sister who set one up. Had to fill out a form, post it off & then job done. This was to meet the Halifax £5pm requirement. The wife now needs an extra direct debit after cancelling her gym membership. As she also has a Santander eSaver, she filled out the form linked…
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Punjab national bank - moving to quarterly interest
Anyone else received a letter today? Not ideal as I normally skim it off each month.
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Northern Irish BSs Merge
Progressive and City of Derry Building Societies are to merge. http://www.bbc.co.uk/news/uk-northern-ireland-24835387 http://www.theprogressive.com/resources/documents/p/r/o/progressive-building-society-press-release.pdf
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250K, what to do with it ?
Thanks for your comments on my previous questions. I now have more figures and have some options to consider and would welcome any advice or pointers I now have £250,000 safely in my deposit account and I need to do something with it. We have no other debts besides the mortgage. These are my thoughts: 1/ We owe £54,700 on…
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Meaning of Fund performance figures
An investment fund shows growth over 5 years of (approx) +8%, +15%, -6%, +18%, +27%, which looks to me like about 75% overall, yet the chart shows today's value of 1000 invested 5 years ago as about 2200 which looks like 120%. What do these figures actually mean? Looking at my actual investment in the same fund, I reckon…
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Investment advice re property and pension
Hi, This is my first post. Due to the nature of my question I was not sure where to post but if anyone can help I would be most grateful. I am looking for professional advice regarding property investment with a view to letting (so as to generate an income and, hopefully, asset growth) but I am wanting to know if I can use…
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Tax on Dividends
Not sure where this thread goes. I have a new limited co. and I have a question regarding tax on dividends. It is very basic and probably silly but I'd be thankful for any info. There is a tax break on dividends below £32.010 is that tax break per shareholder or is that applied to the dividend as a whole before being split…
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deVere Group
Financial consultancy deVere Group is in the news in Hong Kong. Unable to post links, but the articles can be found on Google: * "DeVere faces down bad practice claims" (South China Morning Post) * "CEO's stake risked conflict of interest" (South China Morning Post) * "DeVere slams 'sensationalist' SCMP article"…
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S&S Isa returns
To make significant returns on an investment (in the region of 20%) is it possible to do this through a standard Stocks and Shares ISA from your average high street bank or is a more diverse portfolio recommended? I ask as I am looking to save up as much as I can in the next three years and so think (please correct me if…
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How long to process deals of Vanguard LifeStrategy funds?
Hello there, Just wondering if anyone could advise how long a deal instruction takes to process for Vanguard funds with HL? I placed a lump sum in my HL fund and share account on 5th Nov, and chose the Vanguard Life Strategy fund I wanted, about 11pm that night. The valuation point for these funds is 21.00h As of 11.50am…
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Buying My First Property
Hello Everyone, Some of you might remember I posted a few months ago about buying and letting out a property. But after looking at it and other areas I have found a studio flat in an area that i would like to live! I have decided to look at something i could live in and use as a long turm investment to gain equity to use…
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Another AXA Sunlife Bonus Cashbuilder Thread - Stick, Surrender or Refund??
Hello to all, I recently needed to update my documents on my plan and rather than go looking through my files i decided to Google the address only to find page after page of forums about the product. After posting in an old forum I was advised to start a new thread so here i am. Admittedly when taking this out i was ten…
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ISA v Share Account
Its late, I am tired and I keep reading the same things..... Essentially, is the main difference between these two products the tax-free element (and therefore investment limit) on the ISA.....? http://www.hl.co.uk/investment-services/isa http://www.hl.co.uk/investment-services/fund-and-share-account I am unlikely to…
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Is it worth it, really?
What amounts do you guys invest in these stocks,etc? I'm struggling to get my head around the bother in it all, especially as you can be out of pocket at the end of the day. By the sounds of it 4% is a good return, yet for £10k you're only looking at an extra £400. Am I missing something or is this correct?
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Savings account for 16 year old?
My 16 year old daughter has a lump some to put into an account. She has a current bank account but I was wondering if anyone could advise me of the best savings account to set up for her? She is a student. Many thanks
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schedule of repayments
need help please a fixed sum loan to be repaid monthly over 20 years with no interest added but... arranged in a monthly repayment schedule where each payment rises over time in line with say 4% inflation per annum. Like a pseudo interest increase but where all the amounts repaid are constrained within the original…
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Tax due on bed & ISA
I have some holdings outside an ISA and would like to bed & ISA them. My question is, when they are sold outside the ISA and immediately bought back inside, is CGT due if the price sold is higher than originally bought? If the price is lower, can this be used to offset against CGT?
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What to do with 50K
A couple of 5 year investments are about to mature and I need to reinvest. We had 2 Barclays Wealth stocks & shares ISAs and an Investec FTSE100 and RPI combination plan through an IFA, who of course wants to continue to handle the money. Any advice? We are senior citizens but hopefully with quite a bit of life to look…
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switching bank accounts
Just thought that I would share with you, I have just been through a mind numbing switch process that so far has stretched through three e-mails, a failed on-line registration and a half hour phone call with the new provider mainly rattling through Ts&Cs and marketing! It would have been quicker, easier and less…
