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Time to save but I don't know where the start?!
Hi all, I've just turned 20 and currently have no savings to my name whatsoever (I know, I haven't been very good). I work as a carer on a week on/week off basis and I only earn £800 a month, also I'm only on a 0hour contract so if I don't work I don't get paid. I still live at home with my parents, so living expenses are…
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Simplest etf's balanced portfolio
Let's have a few suggestions for a simple low cost balanced etf' portfolio, actual ones you have used, not just examples from the likes of monevator please Cheers. fj
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NISA or savings account?
Hi all I apologise if this has already been discussed , but I couldn't find a thread with my question.... Money saving expert recommends keeping your cash in savings accounts this year until the deadline for NISA in March 2015 and then putting the cash in to benefit from tax free in future... however... I've always…
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Keywood Solutions
I have had a cold call from a firm calling itself Keywood Solutions. Given what the FCA says here, To save you looking it up, it says: "We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and…
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Childrens savings
Hi guys, I'm sorry if this has been posted before but I was wandering if any of you could recommend the best savings account for a child please?
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20 year investment
Hi, After going away and trying to weight up the best options within investing I have decided to go down the funds route. I'm planning on 50% into 2-4 aggressive uk and developing countries funds. The remaining 50% into either vanguard lifestyle100% equity or Hargreaves and Lansdown growth trust....the question is which…
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Latest & Best S&S ISA Comparison Tool?
Hi all, Could any of you lovely people point me to what they know is the latest and most up-to-date S&S ISA Comparison Tool? I'm looking to check which would be the cheapest platform for me to open with approx £500 and then drip feed around £3-400 per month into my account, mainly into trackers with the possibility of some…
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Can you please tell me the value of thses shares.
Uncle has shares from his days working for britishgas. How much at present is one share worth? http://www.londonstockexchange.com/exchange/prices-and-markets/stocks/summary/company-summary.html?fourWayKey=GB00B08SNH34GBGBXSET1
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Question P2P lending and tax
Im going to try and keep it short. I am lending Via a P2P saving site which i started doing last week when and how do i declare the intrest and pay my tax. Thanks
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Sainsbury's Bank site
Could anybody who has an account with Sainsbury's Bank confirm 2 points for me, please: 1) is the site working OK for you? I've been trying to activate my new account the last 2 days and receive this message: technical difficultiesWe are currently experiencing technical difficulties that hasprevented us from completing…
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Adult Will Trust
I am Trustee of Trust for 25 yr old single earning £20k per yr no mortgage £40K left after using this yrs ISA allowance. Is it best to give some to recipient to open own saving account or keep in Will Trust status from a taxation point of view?
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Direct Debit advice
I'm running out of organisations for DDs to satisfy the various current accounts to take advantage of their interest rates. I'm in the process of opening a Tesco current account because seem to remember reading here that you can use this account to generate DDs. Can I set up a DD at eg Santander using the Tesco account…
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Executors Accounts
I am the executor of my father in laws estate. I have opened an executors account for the estate however this account does not pay interest. What are the options for executors accounts that pay interest. There will be a fair amount of money going into this account so would like the estate to receive some return on this…
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5% Savings Loophole
5% Savings Loophole guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Interactive Investor - An Incompetent Firm
Let me just start by saying that I’m another member who is still in the middle of an in-specie transfer from HL to Interactive Investor. 24 weeks has now passed and I still have incomplete funds in my ISA, Trading and SIPP accounts. What is more worrying is their flood of admin mistakes. Let me list what their incompetent…
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Cheapest and quickest way to sell paper shares
hi my partner has some vodafone shares and she is going to sell them to contribute to the deposit for our new home to be part of it as i have most of the funds. is it better to transfer them to online shares and then i sell them with my x-o account online and pay just £6 for selling them? are there any cheap 'walk in'…
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Short term saving - 200k
Hi all, am after some thoughts on what others would do in this scenario just sold my house and out of the chain and while living back with parents there is no pressing need to get back into the chain - however sooner the better for my sanity. So assuming you had 200k where would you put it ? there is a chance it may be…
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Question regarding santander cash ISA issue 7?
Hi folks, Just a few questions about Santander cash ISA if anyone knows the answers? 1 I understand that its possible to top it up with as much as 15k from July, is this correct? 2 Does anyone know if its possible to just transfer online from an existing Santander account to the NISA without the whole hassle of having to…
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Share Advice
Hi, I have quite a few supermarket shares, and was wondering what is the best option for them. 1) Do I leave them were they are or 2) Do I sell them and invest in an isa or something. or 3) ...... Your suggestions would be welcome. Christine
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S&S review
Hi All I'm just reviewing where I'm at with my finances, and have some thoughts about the S&S side of things (I've posted about cash side of things in the banking forum). I've got the following elements to consider: £2K in Vanguard Lifestrategy 80% Acc, with Charles Stanley Direct - edit in an ISA £6K in L&G Index UK…
