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Heron Global Partners acting as broker for Diamond Construction and Renewables
We have been contacted by the above with a view of investing in renewables i.e. wind farms. The interest rate they are quoting is very competitive. Has anyone heard of them or had dealings with them? Thanks Stuart Kemp
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S&S ISA help
Hi I have a S&S ISA with Interactive Investor that I started approx. 4-4.5 years ago. I currently have £82k in it, which is invested in 15 FTSE 100 blue chip stocks and I've elected to reinvest the dividends. I check it every day but don't trade every day - I typically only trade maybe once or twice per month, if the share…
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Stock ISAs - Tax free confusion
Sorry if I've missed the point here but when MSE describes Stocks and Shares ISAs there's a suggestion that: 2: 'They're tax-efficient, but not always tax-free' I'm confused as HMRC states on it's website Individual Savings Accounts (ISAs) 2: How ISAs work - 'With a stocks and shares ISA or an innovative finance ISA, you…
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CTFs, am I doing it wrong?
Hi guys, It's a tiny investment I know, but it's important to us. We have three children -8,5&1 The 8 and the 5 got CTF vouchers when born, so we opened CTFs which seemed best to us at the time: F&C investments Stakeholder FTSE All Share Trackers. To be honest, I don't fully understand how these work, but we put in £10 per…
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Is this possible re shares and transfer
Evening all. I know I don't post much, but am looking for some advice or, at the very least a yes or no answer to my first question. Bit of a story, have been self employed for most of my life but got credit crunched in 2009 and since then been working for a FTSE 100 company. I have numerous share save schemes running with…
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Is there an ETF alternative for Vanguard Global Small Cap?
I've decided to switch my fund based index tracking portfolio into a more compact collection of ETF index trackers as much as possible. The motivation is that coupled with actively rebalanced IT income holdings it will reduce platform fees, longer term and any potential exit charges. Rather than several individual region…
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Poll: Invest in equities now or wait
Thought i'd conduct a quick poll to understand where people's head's are at the moment in terms of investing in equities/bonds taking into account the current market. For those of you who are looking to make long term savings (5 years+) which camp would you say you are in ..... 1. The market is riding high just now but is…
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Santander 123 interest rate?
How is the interest worked out Eg if you have £20k in for the first 3 weeks then £500 in when interest is paid do you get the 3% on the 20k for 3 weeks or no interest at all?
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Why not invest in US stocks?
Lots of literature about investment returns and "sustainable withdrawal rates" is based on US market data often using the S&P 500 or US value or small caps. UK investors are advised to expect lower returns fron UK indexes. All based on historical performance of course and who knows what returns will be in future. But…
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Best place to save £600?
Its been so long since ive been able to save ive lost track on what is the best interest rate and where to get them. Within a day or two i will have £600 sitting in my bank account gaining no interest. I want to move it to an account where it will gain some interest. I dont want to gamble with it. I dont want to draw on it…
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Investing sizeable sum for relative.
We have LPA for a relative and wish to invest a sizeable sum. We need an account that allows direct debit to pay for care but hopefully also pays some interest and is, of course, fully protected. Not too much to ask???? Would really appreciates you experts giving us your thoughts.
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How to create or modify a diversified portfolio
I am looking for more tips on creating or modifying a diversified portfolio. How do you create or modify your portfolio in this current financial climate? Thanks
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Fixed Rate ISA 2 Year
[FONT="]My fixed rate ISA account is due to mature in a couple of weeks. But unfortunately I need to use the money in this account before this. The bank are saying the charge for me closing the account early would be about £400. Just wanting some advice as to where I stand do I just have to pay this or can the bank…
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Stocking picking / Investment subscription websites
Does anyone have a subscription to any of the investment websites (investors Chronicle, Motley Fool etc)? Any good? If not - what alternatives do you use / find useful?
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How did you 'mentally' start saving?
I know how much I'd like to save, but putting it into practice is another matter entirely :mad: It's not 'needs' that the money gets spent on instead, it's frivolous spending. Clothes for the children because they're too cute to resist, a food shop top-up that we could have gone without, and so on. I'm sure not the only…
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Advice On Investing a Small Windfall
Hi, I will be receiving around £80k shortly and wanted to grab some advice on what to do in the short term. By the end of the year I wanted to invest in a buy-to-let property in the commuter belt outside of London to get on the property ladder, pay off the mortgage easily, and hopefully also obtain a small profit each…
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Taxes in Dividend and Interest rates, Unit Trusts
I am calculating the capital gains on some accumulation unit trusts. From what I know I can deduct the dividend and interest income from the profit of unit trust sales, when calculating my capital gains. My tax statement shows different columns for income... Gross, Tax Credit, Income Tax, Equalisation, Net…
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Partial transfer this years Cash ISA to S&S ISA
Hi all, A few months ago i used my full ISA allowance into a cash ISA, being part of a Help-to-Buy ISA and Cash ISA split. I would now like to transfer the Cash ISA component to a S&S ISA with another provider. Is this allowed within the ISA transfer rules? Intuitively it feels like it should be okay, but I can't seem to…
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Using platforms for investments, how safe ?
I have bought some ETFs via a company called TD investments international, (its their international group as I am a british immigrant living in Portugal). So now I can log in to their website and I see the money invested and its current value on a computer screen. But how safe is that money ? I know shares/investments like…
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Paragon reducing interest rate
Just had an email from Paragon informing us that they will be reducing the interest rate on their 120 Day Notice Account from 1.96% to 1.55% on January 1st 2017. Not unexpected and could have been worse I suppose - 1.55% seems competitive for such a notice account.
