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Is now the time to invest?
I keep reading reports about the tapering of quantitative easing and how it will cause a large fall in stock market values. As we saw earlier this year the mention of tapering QE saw market drop quite significantly. So with some reports saying QE tapering could start as soon next year or perhaps 2015, do you think now…
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Corporate Bonds
Hi All, Can anyone explain to me the advantage(if any) of owning corporate bonds,when I already have a FTSE 100 and a FTSE Developed World ex UK equity index fund? I also own a Vanguard Index Linked Gilt Fund and commercial property ETF Many thanks in advance.
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ISA Help Needed Please!
Hi, I'm due a large sum of money to be paid into my bank account within the next couple of weeks (est. £15k). I am currently still living at home with my parents but looking to put this money into some kind of savings/ISA account until I'm ready to use it towards a deposit for my first property (hopefully sometime next…
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Santander security login
I cannot say I am too impressed with my new online banking security with Santander, you input a membership number then input a five digit passcode, all of which could be logged by a keylogger. Natwest require 3 random numbers from your pin and 3 random letters/numbers from a password. Barclays requires membership number…
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Business bank savings with instant access
Hello! We're a UK business looking for a business bank savings account with instant access. We are currently with ING direct who provide 1.99% AER but this is ending this December and it gets reduced to 0.5% AER so are looking at other options. The amount we have to save is significant so it's definitely worth my time…
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UK fund prices in Google docs
Hi I have built a Google spreadsheet to monitor my portfolio and managed to link cells to share prices on Yahoo, but this method doesn't seem to work for UK funds or trackers. Does anyone know a way of bringing in the prices from the web? Thanks
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YBS Internet Saver
I have an old dormant account which I may start using again. Are withdrawals via FP nowadays with this account?
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EnergyBonds.co.uk
Hi, Have any members invested in these mini bonds, 3 year term 6.5% interest rate with a min. investment of £2000. Solar energy investment within British industry.
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Excess Savings?
Hi my wife and I are in our late 40's and are in the very fortunate position of having excess money. We are about to pay off our car loan, but have a mortgage of around £200k which has 15 years left. We max out our cash ISAs each year but find that we now have around £1500 left over each month. We aren't big risk takers…
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Shares--whats the point?
You watch them rise,you watch them fall. Sometimes you are in profit,sometimes in loss. The only real profit or loss is a crystallised one due to a sale. Is it worth hanging on to shares just for the divi? Best to sell high and move on? But then what..? What do you buy then? If you hang on to what you thought was a safe…
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Potentially new 123 customer
Does anyone have experience with the santander 123 account? It pays an intrest rate of 3% I have 30000 stored in a current account paying no intrest. I plan to use this money which I have saved over a long period for a mortgage. I have an agreement in principle for a mortgage with HSBC. I am planning to create a new…
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Loss of potential interest
I currently have a current account with HSBC and a current account with Halifax. I have about 30k in them combined. I discovered recently that I do not earn any interest on these. I have a mini cash isa and a mini stocks and shares isa, which I add money to every monthly. I am trying to figure out what I have lost over the…
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How can I track how much old 'penny' shares are worth?
Been having a sort out and found a receipt from Barclays Stockbrokers regarding some shares I bought back in 2000. I bought shares in the following companies: Magic Moments Internet (about £200 worth) and Pacific Media (about £400 worth) I can't find the certificates (yet) but would be interested to know they are worth…
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IFA fixed fees and managed portfolio charges
Hi I am 53, self employed basic rate tax payer and I have 50k to invest, aiming for retirement income additional to my private personal pension (current pot of 50k). I have had a first free meeting with a recommended IFA. They suggest putting it all in a managed portfolio of equities, bonds, cash and commercial property.…
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What was your first foray into investing?
So, after a few weeks of reading on here, and a couple of chapters into Smarter Investing, I still can't say I think I know enough to start investing. But I'm getting there. I imagine I'll soon hit a point where I'll feel confident enough to actually start: even though I'll still be fairly clueless, I'll at least know…
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3 vantage accounts ?
I have recently become debt free and have now started saving. I have opened 3 vantage accounts ( originally one for savings, one for bills and one for spending money). I have approx £6000 that I want to save ( not a lot but one day at a time), how is the best way to split the money to gain the best interest. Would I be…
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Selling Funds
Hi All, I'd be grateful for advice on selling several M&G Funds namely: M&G American Fund M&G Global Dividend Fund M&G Recovery Fund These make up a small portion of my portfolio and I require the money i.e. £7000 for unplanned household expenditure. As I am a relatively new investor and have not sold funds before,I…
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Overpay, buy 2nd house or save??????
Apologies in advance if this goes on a bit and is all over the place. Basically, I've got a 60k/17yr mortgage on a house I don't live in, the repayment is £358pm and the tenant pays £500pm. I have no other debt, no savings and no pension. I've always blown money as soon as I get it, largely through alcohol. But I hit 38…
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help with FTSE APCIMS INCOME CALCULATION
Hi, Can anybody advise in simple layman's terms how to use the APCIMS INCOME index to calculate the potential value of a portfolio going back over 10 years please.
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Merlin Entertainments IPO
Anyone think this will provide the same value as RMG when it floats?
