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Capital Gains Tax
Hi all I am looking for some advise relating to capital gains tax and the selling of shares, as this is all new to me. I brought some shares between 2008 & 2009 for £9,900 and which I would like to sell these now The current valuation of these is around the £10,000 mark This year I have brought some additional shares for…
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Sippdeal shocker (& link to template complaint letter)
Youinvest (Sippdeal) new charges from 1st January 2014 :( http://www.youinvest.co.uk/Resources/Content/PDF/AJBYI_Summary_of_changes_to_our_charges_and_rates.pdf £50 pa custody fee for clean funds has been replaced by a 0.2% charge (max £200 pa per account*). So a quadrupling of the custody charge for those with over…
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Kleinwort Benson European Privatisation Trust
I have a share certificate for Kleinwort Benson European Privatisation Trust launched in 1996 and due to several house moves and Kleinwort's being taken over no idea who runs the trust now. Please can anyone tell me who might own the trust and if possible the trust name now? I have asked Hargreaves and they don't know. Bit…
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Not sure whether to commit - 25k
Been saving and got around 25k to invest. No immediate need for this money and looking to invest for around 2-5/5-10 years. I have been looking into this company holbornassets.com and met a broker from there who advises me to put it into a porfolio of off-shore (shares?). A 25-30 year commitment would multiply my initial…
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Equity crowd-funding (as a new form of investing)
Hi guys, I'm a student at the University of Cambridge (Judge Business School). I am undertaking a research project which looks at the popularity of equity crowd-funding (in start-ups) in the UK. In particular, I am looking at profiles and preferences of investors to this emerging form of financial investment. I am…
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Is this a good investment?
I am thinking of buying a leasehold flat which is a good price due to the lease being shorter than average. It has 63 years left. The figures I have worked out are: Property price £135,000 Deposit £27,000 Mortgage £108,000 (repayment-see below) £630 a month @ 5% I will find the deposit by re-mortgaging the house I live in…
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Where can I save about £800/month
I have no debts and have filled up this year's ISA allowance. Santander is is and will remain a no-go area. I will not draw on the money but do not want to lock it away for years on a just-in-case basis. I have my eye on a monthly saver paying about 3% but that only allows £250/month in up to a maximum of £3,000. That…
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Lloyds Bank Internet Banking Problem
Been trying for best part of 2 weeks to get on Lloyds Bank internet banking. Received all the letters and information required to go online, but despite all the attempts to login, reset password or enter own credentials, the login page just spits out error after error. Rang Lloyds 3 times already, they've deleted account…
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FSCS, Investments and Platform Nominee Accounts
I'm trying to get my head round how the FSCS works in relation to platform nominee accounts and what the chances of losing out are in the case of default if invested at over the £50k level. Best Invest are my platform and they in turn use SEI (SEI Investments (Europe) Limited), who in turn use SEI Global Nominee Ltd. I…
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6.5% Energy Bonds
Has anyone heard of these bonds? They are offered by Secured Energy Bonds plc with a minimum investment of £2000 over a fixed 3 yr period. Interest to be paid qrtly. Sounds too good to be true. The blurb states that the investment is not covered by the Financial Services Compensation Scheme and that you may end up with…
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Multiple Online Savings Accounts
Hi, I'm wanting to create separate savings accounts for different pots of money in our monthly budget. Can anyone recommend a bank I can sign up for who provide the ability to create multiple savings accounts accounts from the web interface, and ideally name them? Thanks, Ian
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Funding For Lending to be re-focused away from mortgage lending
Breaking news but this might be good news for interest rates, I shan't count my chickens though https://www.gov.uk/government/news/bank-of-england-and-hm-treasury-re-focus-the-funding-for-lending-scheme-to-support-business-lending-in-2014
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shares isa ???
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Childrens savings
Good morning, My OH & I would like to start saving regularly for our 2 children. They both have about £200 to start with and we would like to set up a standing order to add to it monthly (around £25 each, but possibly more). Would a regular saver be the best for this to start with? Like the Halifax one? Thanks.
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buy to let model
i understand from the successful property letting book that the economics of btl are: -capital appreciation -small monthly income this is having properties on interest only mortgages with the minimum deposit required for the mortgage. i understand that interest payments are offset by the tax. therefore, is there a problem…
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FinancialBliss: My hurty to thirty savings diary…
Background. I’m about to find myself in a situation that I’ve not been in since my mid 20’s – no debt and no mortgage. Well, that’s next month! Have been slow stoozing and paying off just over the minimum balance on credit cards, which freed up funds to pay off mortgage. Now mortgage free and have a mix of stoozed and…
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Sporting Sponsorship
Hello Looking for some advice please, I have secure some sporting funding and would like to know what account I should use it in, a business or standard account. Please help thank you:)
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Flexdirect month query
Hi, I have tried to find this out but am having difficulty with their conditions. Is the £1000 a month payment in to get the interest a calendar month or a month from the date the account opened. I'm sorry if its a dumb question but I really can't find it in the t&c's
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Where best to put money?
Unfortunately, I'm in a job which is on a fixed term contract due to finish in August 2014 with absolutely no chance of being renewed. When I first took the job my circumstances were different, however, my partner and I became first time buyers earlier this year which has essentially wiped out our savings. Come January I…
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is it worth my while going to see an I.F.A
Hi all, quick q, is it worth my while going to see an I.F.A when i am only going to be investing £250 a month into and I.S.A and £200 a month into a pension? I am currently investing this amount with H&L and eventually i will add more into my monthly investment amount ( as and when i make more money etc) i am just not sure…
