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Need help!
Hi, Need help! I'm 22, work part-time, from London. Since I was little, my mum set up a savings account for me, and I was told that when I turned 18, I will receive it, that is what my mum told me. Now I'm 22 haven't yet received this 'savings' and my mum refuses to give it to me, even though it would help me out with…
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Investing £350k, no experience with this kind of money!
Hi everyone I am looking for some advice, as I have no experience with investing money, or any real business experience! So forgive my naivety :) I live in Bristol in the UK. I have just inherited £350k, and I am trying to work out what the best thing to do with it is. Currently I have it in an NS&I account while I work…
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Investment Gold into SIPP
Hello, I am considering buying some physical (investment) gold into my/a SIPP. My SIPP is currently with HL and have sent them an email asking if they work together with companies such as Bullionvault.com or The Real Asset company through which I would like to buy the gold. Mind you, I am not very optimistic that HL will…
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SMC Futures - anyone had any experience with them?
Hello, I've been contacted by a group called SMC Futures, basically an investment management outfit from what I can tell. They offer what looks like an interesting service though almost too good to be true (which means it probably isn't true :) ). Before I speak to them directly has anyone on the forums had any experience…
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Nationwide Direct Cash ISA
I received a letter from Nationwide today to tell me that my Cheshire ISA Saver account has been transferred to a Nationwide Direct Cash ISA Iss4. The letter also said the 1.8% bonus will expire next month (1st Dec), so it's time to ditch and switch. To transfer to another provider, I need the sort code. The letter gave…
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Peer to Peer lending
Hello, I will come into some money in early 2015. I have worked out that after paying off the maximum 10% my mortgage allows for this tax year and then maxing out into the 2 current accounts offering 5%... that I will have about £5000 to invest. I was looking at the peer to peer lending sites and was wondering if any one…
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where best to invest £180,000?
Hi, I'm wondering if people could give their opinions on the best place for me to invest some cash please? I have £180,000 to invest. I have £72,000 left on my mortgage, so I'm planning to pay that off in full, as I'm paying almost 4% on the mortgage, and I think I'll struggle to match that interest elsewhere. Do people…
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Closing Share Price
I have a share portfolio account with a well known stockbroker. My OH has a share portfolio account with a bank. Once a month we update our spreadsheets. The closing prices on my share portfolio for the same shares are lower on my account by as much as 1p per share compared to my OHs and those in the share prices of a…
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Expat Investment Advice - DeVere Group
Hello everyone, I'm a British expat in my mid-twenties, working in the Middle East. I have a little debt left back in the UK, but I'm looking to start investing the majority of my wage so I have a nice amount to go back to the UK on. Before meeting any advisers, my plans for this saving was basically to put it all in a…
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Views on this portfolio?
Our investment fund portfolio currently breaks down as follows: UK large/mid caps - 56% UK small companies - 9% Asia Pac - 8% Emerging Markets - 9% Europe - 6% North America - 2% Bond - 8% Absolute return - 2% My current thoughts are to increase investments into Europe and North America in order to balance out the…
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New to Saving...don't really know where to start
Hi Everyone, I'm in a nice position of being within £300 of being debt free for the first time in about 8 years (barring the student loan, but that's taking care of itself through my salary). I am also starting a new job with a pay rise and less travel costs. I think this is a good time to start seriously saving. I…
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Power of Attorney and Credit Score
New to forum, and a lot baffled about things. Current situation is I have power of attorney for my parents, and due to their health problems it is now time to register this with the relevant banks, TSB done fine. However on reading the paperwork for the Royal Bank of Scotland it seems that "We obtain information about you…
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Declaring trust
Am I right in thinking that I dont have to tell the taxman about any yearly increase in the Bailley Gifford Scottish Mortgage IT I set up for my grandchildren in a disc trust , when I complete my tax return? Secondly,part of what the accountant is asking me to sign is permission that any refunds etc from taxman, are sent…
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Best savings option for a large amount of money
What would you recommend for saving a large amount of money (ie 10k or 20k), would an ISA be the best option? i wouldn't mind putting it in an account with minimal withdrawals to gain a better rate of interst. thanks
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£500,000 to park for six months - ideas?
After the sale of our home, we will have around £500,000 for six months before we use the money to buy our next home. Any advice on savings acounts or other vehicles that might generate a bit of interest, with zero/near-zero risk? The MSE list of best accounts suggests the Post Office (in fact the Bank of Ireland UK)…
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Halifax Monthly Draw
Anyone ever won on this. i've had £20k plus in this for years and haven't won a thing. I encouraged plenty of friends and family to invest and 'enter' the draw, but none of them have ever won or heard of any 'winners'. Just interested if there are any on here...?
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Santander first home saver
I have been steadily filling this account from when they first opened years ago, they set off on 5% (IIRC) then dropped to 3% a fair while ago. Having not removed any money from this and kept paying the £300 a month in theres a fair chunk in there now. On saturday they sent me a letter saying the interest rate is going…
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Saving: USD from a risky territory...
Hey everyone! I'm in Iraq and I want to save my earnings in a safe banking system (at least in comparison to one that can get raided by ISIS) that offers protection and access should I need it. I earn a reasonable income but, I earn a wage in USD. If I transfer this to my NatWest account it will be converted to GBP and I…
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Advice: Charles Stanley ISA Charges Eroding My savings!
Hello, I have 250 shares in Santander that I got many years ago when Alliance & Leicester went public. These shares were invested in a stocks and share ISA with Charles Stanley and I planned to keep them for a rainy day. All seemed ok even though the share value was a nice price years ago. But now I am getting concerned…
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HSBC Instant Acesse savings account.
Ok so I Have instant access savings account & current account with hsbc. Can i get a cash card with my instant access savings account?? Just wondered that all.
