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Investements, Alternative to Mortgage
Hi guys Just wondering if I could get some opinions on this. First of all, we currently rent our house. We have made a decision to keep doing this, as to get a mortgage, we would have to downgrade big time, and thats not something we want to do. I know people will find this very strange, but its our choice, and it suits…
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Isa investments for income
hello there, I have been following this forum for a while and am very impressed with the knowledge of some posters!! I have been managing my own and my husband's S&S isas for a few years and also my own SIPP. This I don't contribute to as have been using my isa instead. Am investing for income as we are due to retire in 4…
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Nationwide regular saver isa
Hi I just want to check I've understood this correctly. So with this Isa I can deposit maximum 1270 per month, however if I need to withdraw from it I will still receive the maximum interest of 2% on the balance. So say for the first month £25.40 balance of 1270? Therefore on this basis as I'm not penalised for…
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Tender offer for a share, help please what to do
Hi can anybody guide me please, what you would do or similar, I have some shares called EVRAZ PLC and i have received paperwork for a Tender offer, I hate these things, they always seem to be written in an over complicated way so that I end up not understanding what they are offering. I don't have a lot so I am not too…
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The House Crowd
Has anyone had any dealings or advice to give about a company called The House Crowd? I'm thinking of investing a small sum of money with them. I've always been cautious with savings but the interest rate has been so low for so long that I'm considering taking a bit more risk. I'd appreciate some feedback. Thank you.
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Corus Shares help please....
I have just discovered a share certificate in amongst my late mother in laws possessions which had previously gone unnoticed, for 64 shares at 50p each in Corus group dated 1999, presumably received when they bought out British Steel. I am aware that Corus in turn were bought by Tata, question is are these shares worth…
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Good ways to save and make money
Hi guys sure there is a thread but can't find out, when I used to come on here with debt there was a lot of threads that gave good money advice and inspiration to pay off debt etc, I am now looking at trying to save as much as possible and save on lots of stuff and maybe make a little money to help get a deposit for a…
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Long short funds available for ISAs
Hi, How do I find out what long short funds are available for being bought in an ISA wrapper? Thanks, Chris
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Castle Trust "Fortress Bonds"
Has anyone looked into investing ion these bonds? They can be ISA bonds and can accept transfers in. They pay a good rate of interest.
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A few questions on UK property REITs / investment trusts
Hi 1. Can anyone advise the best data sources for comparing NAV discounts and premiums among closed-ended property vehicles? I know websites like Hargreaves and Trustnet show the NAV and graph how the premium/discount has moved over time but would be useful to know anything better out there. Is there anywhere you can set…
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Letter from EQUINI shares need assitance please
Hi, I will copy the letter out so this makes sense. What i am need to know is what happens if the shares are transferred out and the legal implications of this? Is there any options here to just sell and get rid of them? (i really have no knowledge in the world of shares at all) it is formatted better here:…
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Santander 123 Account - Cash Back and Tax
Hi, I am starting to complete my 14/15 Self Assessment TAx Return. Looking at my Santander 123 accounts, the net interest payments and associated tax payments are clear. I also get cash back payments for direct debit payments. How are these handled as far as tax is concerned? There is no mention of any tax payments. Are…
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Britannia / CoOp BS account
Many years during the "carpet bagging" era I opened an account with the Britannia Building Society (now Co Operative I believe). I have a small amount in an account. Is it worth keeping this in case of a buy out? The reason I ask is that it is a bit of a pain to keep and I am trying to tidy up my accounts.
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Multi-currency bank and trading account
Hi all, I am Italian and I live and work in London. I am 29, single, 10k£ and 25k€ savings (on an Italian bank account) + 1k£ saving capacity each month. I would like to invest my savings mostly in corporate/government bonds and since I have savings in two different currencies I was looking for a multi-currency (€/£) bank…
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moving to Ireland
Hello, I'm moving to the Republic of Ireland soon. Does anyone know if I can keep my savings and bank account open in the UK when I'll no longer live here? Thank you for your help.
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Savings/ISA advice please
Hi I have read through the website and on the forum but am still a little unsure on what action to take. Next month myself and my partner are going to move in with a parent for around 2 years so we can save for a deposit for a house, we have worked out our finances and we should be able to save £500 a month each and more…
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Please critique my savings plan
Approximately 100k to keep safe over the next year as a house deposit for my partner and I. If we spy a house sooner we will want this cash ASAP hence the easy access plan below. I'm aware of the savings loophole but I am conscious that opening too many accounts wont look good on a new mortgage application. So my plan is…
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transfer ctf to cash jisa
Hi. I have a ctf for my 8 year old daughter which was funded by the £500 government voucher at the outset. The growth has been minimal and would therefore like to transfer it to a cash jisa. The CFT is currently with rbs. Who do I choose which provider to do this with and is there a list anywhere that shows me who accepts…
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Use of VCTs to avoid 60% marginal rate
During 15/16 I am likely to exceed the £100,000 income band by about £15,000 due to a large bonus and the provision of a very nice company car. This is after the company has made the maximum contribution of £40,000 to my SIPP. Would the use of VCTs help me to reduce my overall income below £100,000 to avoid the loss of…
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Soft closing fund -can still invest via a Platform?
Morning all, One of my holdings, Hermes Asia ex Japan is soft closing in May and states that only existing investors will be able to top up. Will this apply to direct investors only or include those who invest via a platform? Normally when funds soft close they disappear on the platform, so wasn't sure if I would have…
