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Confused over the Daily Telegraph's savings rates
They quote: B&M Savings, with a bonus as !.6%, however does that rate include the bonus, or is the bonus extra? In other words it the RCI Bank at 1.65% a better or inferior deal?:undecided
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How will the new interest tax system work, in practice
How will the Inland revenue know what interest you should be taxed on? Will it be necessary to fill in an annual tax assessment form, I have not filled one of those for years? If so it will be a PITA. As tax will not be taken at source then how will it be taken? Will the organisations paying the interest still have to let…
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Buying non-reporting registered ETFs in my ISA and SIPP
Hi, I am exploring buying US ETFs in my ISA or SIPP, and have been reading about the country of domicile of the ETF is important to know. It is whether the ETF is registered as reporting status with HMRC. A list is here: https://www.gov.uk/government/publications/offshore-funds-list-of-reporting-funds My question is…
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Different FTSE
Hi, pardon my ignorance. Can anyone explain the difference between the FTSE all share index and the HSBC FTSE all share index. I assumed they would be virtually the same. However I noticed with the big ups and downs of the last week, they differed in percentage gains. For instance the FTSE all share rose 3+ % , yet the…
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Are first direct fca regulated and protected savings upto £85K?
Are first direct fca regulated and protected savings upto £85K? Should I move my savings and if so which is the easiest way to shift to anther bank
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Which tracker should I track ?
All, Am a young fellow with about £2,500 of investable income every month, a figure looking to grow by about an average of 10% for the next 10 years before the growth might slow down. I want to put it all into a passive tracker, preferably through and ETF due to the lower fees but am open to an index funds too. I have…
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further interest making options..?
Hello All, I already have a Santander 123 account and TSB.. and I'm looking into what to do next as I'm keen to make the most of my money.. I'd like to keep it accessible for the time being as I'm just starting a new job and want to figure out if it's the right move before I start tying up money I might need if I jack it…
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Advice needed please on what to do?
Hello, I recently had a critical illness life insurance policy pay out and we are really struggling with what to do with the remaining amount. We have paid all debt, the children have savings and we can finish our 2 year old extension! I am left with £25000 and unsure whether to put it in a savings account, isa, (well, the…
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Help to buy ISA - house price
My girlfriend and I are looking to buy a house in the next couple of years and are interested in the help to buy ISA. We can obviously get one each. My question is that on MSE it says that you can buy a house of up to 450k in greater London and 250k outside of London. Can you combine this allowance? For example can we buy…
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Scottish Devolution Thought - Oil prices
Just had a random thought. I wonder what would have happened to the new Scottish Governments (if they had got independence) spending plans with the current oil price standing at $40 per barrel. I'd imagine they'd be looking at a rather large hole in their finances........
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Aim investment - not doing so well as a newbie
now that I am regularly saving £2-3k a month I thought I would open up an online trading account and do some stock market investing to try and diversify my risk and increase the overall effective savings rate a bit. After watching a few videos online and reading the bulletin boards on LSE and II, it became clear that about…
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715,000 Millionaires in UK - are you one of them?
There's been a 40% increase in millionaires since 2010, so now one in 65 are a millionaire. As far as I can tell from the article the definition of millionaire is by household and includes property I.e. The house you live in. Well if that's the case my wife and I are now millionaires. So how many of the remaining 713,999…
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BT share price
Proper dumb question but can some one confirm the share price in BT atm its showing as 67.07 is this 67p or £67
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Buying Ground Rents/Freeholds
Got some cash to invest, and buying ground rents of a local block of flats fits the budget. Can get maybe 6% yield, plus there is additional bunce from leasehold extensions way into the future and/or reversion of the property to my descendents. Has anyone done this and got any tips or advice?
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transfer isa from fidelity to iii
I'm in the process of transferring my isa from fidelity to interactive investor. Has anyone gone through this process? How long does it usually take? I know there are times provided on their website however as usual it's all dependent on who you're transferring from
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Gross Interest
Hi Everyone I have been trying to confirm some info re getting gross interest on savings but my bank have been unable to give a definitive answer and HMRC appear to be very difficult to get through to, so I was hoping someone on here may be able to help. I currently work part-time while studying, meaning my income is below…
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Increase drip feed?
I've been drip feeding my Vanguard Lifestrategy 80 over the past year £250 a month but was considering increasing this to £500 due to increased income. This was before the dip but I'm thinking this might still be a good idea as last month it purchased at 142 and then down to 137 and further. I will get more for my money…
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Starting Out
Hi folks, Just a quick one, i know absolutely nothing about investing/stocks/shares etc but want to get some knowledge on it with a view to getting started with some small investments once i am a bit more knowledgable on how it all works. I am basically looking for tips on how to get started, what books/journals etc are a…
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TSB Enhance - Rate drop
Just had a letter stating that the Enhance account rate will drop to 0.75% from 3rd November. Sad to think that I was thinking 1.5% was a good rate.
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2000 + 500
I have saved 2000 and I plan to save 500 every month. What would be the best savings/investment?
