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Savings advice for a novice!
Hi all, I was wondering if any of you could offer me some advice as to what to do with my savings! I am 25 years old. I have no debts and I never go overdrawn. I am renting a flat and pay all my bills. I plan on potentially getting a mortgage in 1-2 years depending on how things go. My partner has a similar amount of…
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Thought I was doing the right thing with my money
Hello Savers :) I've been reading though a few of the threads on this board and have come to realise that my savings don't seem to be in the best places according to the general advice given on here. I have just over £30,000 in premium bonds and about £9,000 in a cash ISA. To my shame I can't even say how much interest the…
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Stockbroker reccomendation ...
I currently use Hargreaves Landsdown - have some accumulation funds (mainly trackers) which (apparently) are paying dividends. HL told me that the dividends have automatically been reinvested and thus reflected in the value of the fund - unlike with individual shares where additional shares are purchased and I am able to…
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British Assets Trust
I have held shares in British Assets for many years through F&C and have been relatively pleased with their steady if not spectacular performance over the years. However I received a letter from F&C advising there is to be a vote on moving the trusts manager from F&C to Blackrock and a corresponding change in the…
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Best way to learn
Hi, I know virtually nothing about investing, but am keen to learn. I've been googling and reading stuff online for the last few days, but much goes over my head. I need to start from scratch. Funnily enough (ha!) a LivingSocial course called ''Learn to Trade in One Month' CPD Accredited Course - Ten-Part Live Online…
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Anything the same as ING out there please?.
Hello everybody, Hope you all had an enjoyable Christmas. Can anyone give me some advice, Have searched on the net and on here but cannot find anything suitable. For quite a few years I had an ING account which was one password, one username and one memorable date to log in-simple, In this account I had 7 accounts within…
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Newcastle Building Society User ID?
I've just opened a Newcastle BS account. When I try to log in it asks me for a user ID. I set up a password, memorable date, memorable name and memorable place. I don't remember setting up a user ID! Is this something that they send to you by post?
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Collectors - £100 coin for £100 free postage
One for the collectors here basically swapping £100 for £100 http://www.royalmint.com/shop/Big_Ben_2015_UK_100_pound_Fine_Silver_Coin Won't lose value as it is legal tender of £100 but may, over the long term, gain value. The silver value currently 63g @ c$0.50 silver at a low currently over 5 years but then you are not…
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Clsoing Investment Accounts?
Hi, I wondered if anyone could point me towards any info on the best way to close investment accounts? I've got a couple of Halifax stocks and shares accounts (one's an ISA) and I'm wanting to close both accounts. I may reinvest with a new stock product at some point, but I may need access to the money, not sure yet. Hence…
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How long for income distribution/dividends to reach my account?
Hoping some of the experts on the site can help here .. Share dividends appear in my Account within a couple of days from the payment date whereas Income Distribution from funds seem to take a month or longer to appear in my Account from distribution/payment date Do I assume the process is different for shares (more…
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RDR - clean funds conversion deadline?
Does anyone know if, as part of RDR, there was a date specified by which time all platforms should only be offering clean funds and have converted all existing 'dirty' funds holdings to clean funds?
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Best instant access for £65k
Hi all, I've just sold my house and have moved in to my parents whilst my wife and I look for a suitable house /save a bit more money. The question.... What is the best place to put the net equity (which we will use as a deposit for our house, when we find one). (We haven't used our ISA allowances for this year) Thanks in…
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Motley Fool Share ISA
does anybody else use this. going to start putting in £500 a month and wanted to know if this is a decent vehicle thanks
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What to do with Cash Lump Sums for best returns.
As I'm taking early retirement in 2015 I'm looking for the best interest rates for my money. Last figures I have from April 2014 are £132k, tax free from pension and £54k after tax from severance. These will be higher for next year as a pay rise is due from Jan to June and I'll have paid into pension for another 16 months…
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Tax on savings for person earning below personal tax allowance
Hi, I have read that if someone earn in a tax year amount which is below personal allowance of £10000, then no tax is to be paid on saving account. Does it have to be done at the end of the year by reclaiming or could be done half way through the year (or at any point) when individual knows there is no way personal…
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Quick question
Hi everyone I'm sure there is a very simple answer to this and I obviously do not fully understand what I am doing. I bought £500 worth of Woodford Equity Fund. This has risen and fallen as expected. At current, I have a £16.06 profit and 3.21% increase on my £500. So I should be at £516.06. However it shows that I am at…
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Providence Bonds - 8.25%
I received this e-mail from Moneywise:- Invest before 15th January 2015 and receive interest from the date of investment. As a means of funding its UK-based factoring initiative, Providence Bonds plc, the UK subsidiary of Providence Global Limited, is issuing a minibond that has a term of 4 years, an interest rate of 8.25%…
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Charles Stanley - Yearly Tax Statement
Hi, Does anyone know of Charles Stanley provide annual tax statements for investment accounts to allow me to complete my SA tax return? If so, when do they come out? Thanks
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Investing for income?
What would be the options for investing a sum of say, £300,000 to provide an income without exposing the capital to too much risk? Would be interested to hear others' opinions. PS assume ISA limit already used up.
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Transfer from (adult) ISA to Junior ISA
Hi we are looking to set up a junior ISA for our daughter and want to transfer money from our ISA into hers. Does anyone know, please, if this is possible and if so what the likely penalties would be? many thanks
