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Current account savings questions
Looking for help with cah saving in current accounts to hold cash looking at the TSB classic plus and nationwide 1.Can you fund the full amount from day 1? 2.The monthly min £500 is that paid in until the £2000 limit is reached? 3.Do you still need to fund the account monthly after the limit is reach indefinately to get ?…
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How to transfer money to someone without name appearing?!
I want to transfer a small sum of money (around 500 pounds) to a friends bank account to repay a gift he gave me to help me out during tough times. He would never accept the money back from me and I do not want him to know that it was me who paid the money to him. When you transfer money between banks in the UK the deposit…
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Passive Funds
I've been reading Smarter Investing, and the author is explaining the virtues of a balanced portfolio and the use of passive funds to track indices versus active funds. I haven't yet finished the book, so I might be getting ahead of myself, but is there any reason not to just invest in a Vanguard LifeStrategy X and then…
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SIPP withdrawal?
Hi, My mother died suddenly and unexpectedly in just over a week. I was her carer & am her executor, but the sad event has left me pretty stretched financially, although I am currently being very careful and coping. I have a HL SIPP of around or slightly less than 40k. It might really help me through this fraught time -…
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BHP Billiton/South 32
Can someone please explain the financial implications of this 'demerger'? I had x number of shares in BHP Billiton. Now it appears I will also have x number of shares in South 32. On the basis that no-one ever gets something for nothing, will the value of my BHP shares reduce to take account of the new South 32 shares. And…
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Pru Profund Growth Fund
Hi, Ive invested some money (through my IFA) into the prudential profund Growth Fund. This may be one of the stupidest questions I've ever asked but I'm not the best when it comes to money..........It states that the funds performance has been 23.29% in the last 3years. Does this mean that minus fees etc, that if i has…
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Which savings account next?
Hi, By the end of the month I will have filled 2 TSB accounts with the £2000 each at 5%. I've also just switched to First Direct and opened a regular saver at 6% which I am paying £300 a month into. I'm debating whether to now open a Santander 123 account or would it be better to open at Tesco Account at 3%, fill that and…
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Beginners Questions About Stocks
Hi all, I'm a student who's starting out in investing. I've read a couple of books. I have a few questions: 1. How many everyday people directly hold investments in stocks? 2. Can you get stockbrokers who cover stocks across ALL global exchanges? 3. Is there a resource detailing new companies that are about to be floated?…
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Savings advice
Hi everyone looking for some guidance on where I should ve looking to save. Two months ago I finally had enough of HSBC so I switched my current account to Santander 123 where I have now hit the limit for earning interest so need to start looking to other products. I have £5k I can put straight in and then most of my…
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Technical analysis for trading shares?
Is there anyone interested in trading shares using technical analysis? Any experience?
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R85 Question
I am currently on maternity leave until 1st August 2015 but I won't be returning to work and am now on the unpaid 3 months of my maternity leave. Am I now entitled to apply for a r85 form? I am due to get some inheritance in next few months but not sure on the amount yet, minimum of £20k but might be a few thousand over…
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Investments for Children
My child's kindly God Parent is already investing a regular amount into our CTF. As a 5th birthday present he would like to invest a small lump sum ~£500 and maybe switch those regular payments to something new. Are there any options better options available than CTF? He would prefer my child to not have access to the…
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Sipp vs Ssas anyone else in the same boat??
Having worked for the government for 11 years my pension has now been changed drastically. I took the bold step to opt out as the 450pm could be better invested. I know what I want to do. I just don't know how to do it. Basically I have professional knowledge of HMO regs and housing/tenancy law. I plan to start a ltd…
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CTF - A few questions
Me and my partner opened a child trust fund for our daughter back in 2010 with a £250 credit from the government. We went through Lloyds where they have invested it in (as far as i can tell tell) a fund named Scottish widows balanced growth portfolio fund. I'm aware you can no longer get CTF's but u can move to another CTF…
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Saffron BS Disappearing Accounts
Good evening all. Is it normal for Saffron Building Society accounts to mysteriously disappear from the online access system? I just logged in a few minutes ago to check my balances, and my ISA account (opened last month) has completely vanished! I know it was there last week because I logged in to check that my initial…
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savings account
Hi, 2 queries: 1. I am a student who has been awarded a £1000 high grades bonus, I would like to put this money towards a car later this year. 2. My mum has recently inherited around £15,000 and would like to put a sizeable amount of this in a savings account With high interest and degree of access control. Any advice for…
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Virgin Savings Interest?
Hi has a present customer of 'Virgin Money on the 2nd May I opened a new ISA & Easy Access savings account. ISA 1.41% AER & the Easy Access being 1.21% AER Already having accounts the transfers were straight forward. I have transferred cash into both today. I've noticed my new ISA's interest rate as only changed to 1.40%…
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Selling shares with lowest fees
I've got some employee shares from my previous job that I've transferred into my ownership after leaving on compulsory redundancy terms and the scheme administrators (Equiniti) have sent me the shareholder's certificate. I'd like to sell the shares, have contacted Equiniti about whether I could do this through them, and…
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buying shares....help!
Hi all, I'd like to buy shares in a company but don't know how best to actually buy them. I know which company I want to invest in and I've researched shares but don't know where to go to actually purchase and not be ripped off. I'll not be investing a large amount, so don't want it being eaten up by fees. Any website…
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Club Lloyds current account interest
Usually goes in 1/2 of month, 6th and nothing. Anyone else not received may's interest?
