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Opening Santander regular saver
Hello As i've got a santander 123 account decided to open regular saver as paying 5% interest can fund £200 a month Have transferred first payment by transferring from 123 account and set up SO for remaining 11 payments Not sure if I should have manually transferred 1st payment Any one know if this is ok or should all…
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Youinvest/AJ Bell- you're getting very spammy, STOP IT!
Anybody else think they've overdone the emails this month? I must have received 20 or so in the last few weeks. I am not subscribed to the daily market reports so only expect a message or two a month normally and I'm thinking of unsubscribing from everything. If others agree maybe this will get their attention that for…
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Compound Interest Calculator
Hi, I am a software developer and I have created an App called "Compounded" for Android. I have been reading up on investing on MoneySavingExpert.com, MSN Money and the Telegraph.co.uk, and the best way to get my money to grow is with long term investments and compound interest. I do not make money out of the app. I am…
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Oakley Capital Investments <-- share
This is not one of those too good to be true posts (e.g. 9% guaranteed bonds etc.); just wondered what people think of this share. It currently trades at a 33% discount to NAV as reported in the Finals on the 5th April. Yield of 2.9% plus capital growth seems steady but not spectacular for the last 10 years. Directors have…
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Is "average luck" a good concept in Premium Bonds
Everyone seems to use the concept of "average luck" when quoting premium savings chances of winning. But try this little experiment- Log on to the prizes calculator, and use £1700 for a year - result is "£0 with average luck". Go to the graphical display and hover over the £25 vertical bar and read off 49.3 percent. Repeat…
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Temporary savings for House Sale proceeds
Hi all This is my first post so please be kind to me! :A I am selling my property (hopefully) in Surrey and moving up to Yorkshire but I intend to rent initially and want some advice on where to save the proceeds from my house for a period of up to 1 year. I understand the maximum guaranteed in any account by…
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Get Chip - Savings Account - Up to 5% AER
I've just come across the mobile savings banking app calls Getchip. It is saved in a Barclays 'e-wallet' You can save a maximum of £100 per day into the account and earn up to 5% AER interest. I believe this is currently unbeatable. To achieve the 5% AER interest you have to refer four friends (and be referred by one).…
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Savings advise
Hi I am in my second year at uni and have a bit of money I have saved up from jobs. I would like to know what the best thing to do with the money is . As at the moment it is making like 1p in the bank.
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Am i overleveraged?
I don't mean to spam the board but I think I posted this in the wrong area before - ill delete that post! I have posted on here quite a bit over the years but been quite for the last 16-18 months since I got married and life expenses have taken hold. My life has turned upside down but in a positive way in terms of…
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Where to save prior to using for mortgage funds
I'm currently sitting on a significant amount of funds which is my mortgage deposit, my completion date is estimated in October (new build, first time buyer). The sum is around £40k. I had the maximum amount of £6k in the Nationwide 5% account for the last 12 months, and the rest is in a current account not actually…
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Savings and Investment advice needed please
Hi all, We are a couple both aged 48 with two young children. My husband works full time and I work part time. We are currently saving to buy a house, which we want to do in 3 years' time. We have around £35K in a Life Strategy 60 S&S Isa. We also have £12K savings in a Santander 123 account. We are able to save £3,000 a…
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SIPP fixed term investment
I have a SIPP and would like to invest part of this in a fixed term cash SIPP.. My SIPP provider doesn't provide this facility nor will it invest my SIPP with another provider that does. Is there a SIPP platform that will enable me to make this investment?
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Consolidating family finances- best platform for ISA, SIPP & JISA?
I've been put in charge by the husband to sort out our finances while on maternity leave (a monumental task as it turns out) and after taking stock and doing some reading I have decided to transfer my cash ISA into a S&S ISA, opened a JISA for the offspring (currently a cash ISA at 3%- thinking of moving it to a S&S) and…
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Tax on dividends - what is the relevant date?
An apparently simple question, but my googling has found no definitive answer so far. Say a share held outside a tax wrapper has a stated "Payment date" of 31st March 2017 but the actual cash is not credited to my bank account by my broker until 6th April, does it need to be declared to HMRC as income for 2016-17 or…
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Does HMRC receive interest details directly from banks?
Hi, I seem to recall reading a while ago that banks would report saving interest payment details directly to HMRC at the end of the tax year, effective 16/17 tax year. This would obviously be handy as I wouldn't have to keep track of my interest tax certificates to do my self-assessment, but is this true or did I mis-read…
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Where to get 5% return on £80k long term?
Sorry for the rather basic question but I really do struggle to understand all the various financial products out there and just need some very basic advice to point me in the right direction, so I can do further research. My current situation is... 42, mortgage free, basic rate taxpayer, working full time, with £80k in…
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Invest in houses or stocks/bonds?
Remember reading a while ago that nobody really knows what the best investment is, if there was such a thing as a best investment everyone would be doing it. I have read books on both house investing and stocks/bonds, I am not at the point where I have enough even for a mortgage on a house, but does it even matter what you…
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Halifax Help To Buy ISA Interest Payment
I opened my Help To Buy IS A with Halifax one year ago today, and the account terms and conditions clearly state that interest would be paid on the anniversary of the account opening. Unfortunately, no interest has been paid. Any ideas what's going on here? Unfortunately I am unable to phone the bank just now, currently on…
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Pharmaceutical ISA
Has anyone any experience of pharmaceutical ISAs? I have come across one through Orchestra Finance which invests in a selection of well known pharmaceutical companies, claims to make up to 8% pa, is apparently regulated under the FCA and your capital is apparently guaranteed by the FSCS. Too good to be true or a good pitch…
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Courses and learning.
Howdy everyone. I am brand new to investing. I have taken the plunge with a few shares to start with and I've been learning a lot with free online content. When I stumbling across this forum though, it really made me see that there is so much more to learn out there. Does anyone know of any beneficial courses to take?…
