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Halifax vs HSBC vs TSB vs Santander
Hi Guys I have a santander 123 account at the moment where my wages go into so usually i have between 1500-2k in there picking up the interest there until I need to start living life by buying food and bills etc. I also have a first direct regular saver where I pay 300 into each month. I also have just opened a TSB classic…
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New dividend taxation rules and unit trusts
Have 7 figure portfolio of 7IM unit trusts mainly accumulation funds. These funds are growth so 65%equity but global. Currently yield is about 0.6%. Does anybody know if the new way dividends will be taxed will affect the accumulation units? Thanks
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Got my NS&I index-linked statement
I got somewhere in the region of 1% (roughly). If I had a better place to move the money to, I probably would. Anybody else had their statements lately?
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Helping an older lady
I have a really awkward family problem emerging and would welcome help from the Brains Trust on how to proceed. My mother-in-law, approaching retirement, is, according to my wife who shares my trepidation, about to ask me for some critical financial advice. The situation is that she is in the process of selling her old…
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Nationwide regular saver isa
Hi, Can some kind person calculate how much interest I will earn with this account at the end of the first year please ? It pays 1.9% aer I believe. I will have paid in £1750 on the first of each month For twelve months. I can't figure out how to calculate this. Thank you
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LLoyds Vantage change in terms and conditions
I am having a bit of a savings spring clean, checking interest rates etc... only to discover that I have not been receiving any interest on my three vantage accounts. Although in credit and with a £1000 standing order cycling through all three of them, it seems the terms were changed on the 2nd July 2014. Now two direct…
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Broker advice needed.Low startup fund+extra US trading fees. How do i beat the rake?
Hi guys, I'm a new to stock trading and setting out on my path. AsI'm only starting out I only want to dip my toe into the water. I'm thinking £ 700 ( approx 1000 usd ) I won't make frequenttrades as the cost would eat into my small capital. As the title suggests I'm looking for a brokerage that wouldgive me the most bang…
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Unbolted
Anyone have any experience of lending through the P2P pawnbroking site Unbolted?
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Savings
Hi, I've got 11k to invest from an ISA that's matured - with the ISA rates these days I don't expect to put this into another ISA. I looked up some savings accounts, but I don't want to go into the trouble of setting up direct debits just to meet criteria of money in/out just to get the rate on offer. did think of…
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Inheritance advice
Hello everybody After some difficult financial years I have inherited some money from a relative in the Republic of Ireland. I would like some advice on the best way to access this without losing a lot with the Euro / Sterling transaction. I am a complete novice with this so any advice would be appreciated. Many Thanks A
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Saving for my daughters uni fees
Hi All, I've just had a daughter and was thinking of starting an ISA to save £100 a month for the next 18 odd years. The ISA's I've seen don't seem to be offering very much in terms of interest so I was wondering if there are any other options out there for me? I am not overly risk adverse. Cheers Barrie
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where to invest now?
I've sold 90% of my funds couple of months ago and now hold most of my savings in cash with fidelity which is basically loosing money. My question is, where would you guys invest now? I don't want to take on too much risk so a cautious fund would be ideal. Don't mind if it returns 3-4% as its still better than banks
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Multiple ISAs – what are the rules now?
Hi, Earlier this tax year I set up a new Cash ISA with a new provider because of the low rate I was getting with my existing one, and I transferred in most of the value into the new one. Two questions arising from this: 1. Am I allowed to pay into two cash ISAs in one tax year? I had already been paying into the existing…
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Telegraph Investor
Has anyone else had issues with Telegraph Investor? i opened an S&S Isa and share trading account a couple of weeks back. The Monday after I opened it Iwas phoned up by a "Customer Relations " Chap (Salesman?) enquiring if I needed anything. First, he wanted to take me through Security. I told him I don't give out details…
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IP HK & China
The recent boom and small drop in the China stock market is currently making the news. However, funds (eg Invesco Perp HK and China fund) and also the Morninstar category China Equity (used by the FT as the benchmark) shows nothing like the growth/volatility of the index, showing only 50-80% growth over the last 5 years.…
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MSE News: Summer Budget 2015: Dividend tax overhaul: winners and losers
A dividend overhaul will see basic and higher-rate taxpayers benefit, while top earners will pay more... Read the full story: Summer Budget 2015: Dividend tax overhaul: winners and losers 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…
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China Index Trackers?
Any index trackers for the Chinese market? Could there be a buying opportunity here?
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Trading on New York Stock Exchange halted
Trading on the New York Stock exchange has been halted for an hour or so now due to a technical glitch. http://www.cnbc.com/id/102806720 United airlines also experienced a computer glitch earlier which grounded all its flights. Wall Street journal and even zerohedge sites were also down for a while. All completely…
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New P2P Lending ISA
Interestingly there is going to be a new " Innovative Finance Isa" for P2P Lending. I am still unclear on some of this, such as whether this is in addition or instead of the other ISA allowances. Hopefully it will become clearer soon, or post below if you know.
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Help with excel savings spreadsheet
Hi, not sure if this is possible or worth the hassle but I'm trying to do a spreadsheet that shows starting balance then daily incomings and outgoings with the daily interest added. I've got column A with dates, column B with income, C with outgoings and then D would show the running total. I've tried things like…
