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Poor Cust Service with Principality
I took Martin's advice on Bonds a few weeks ago and applied with Principality. Turns out that I didn't enter the correct ref on my bank transfer and money was returned to me. I only discovered this by looking at my bank statement. I called them to query it and why they hadn't emailed me to tell me there was a problem. The…
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Best way to save for my child
Recently became a dad (2 weeks ago) and would like to set up a savings account for my son. been browsing the internet but cant seem to find much info. im looking to put in around £80 a month but dont no whats best, premium bonds or saving account? any advice appreciated cheers
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Isa tranfer advice please
I recently transfered my nationwide Isa paying 2.75% to an other nationwide ISA paying 3.10% .I have an other ISA from Barclay's that I am considering switching, would it be still possible to switch this one to nationwide as well ?
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£8000k Stooze, to save of pay down mortgage
Hi All, I have about £8000 on a 0% credit card Stooze, with about 14 months remaining at 0%. I have used part of my ISA allowance already this year, so have about half left. I also have a First direct 8% regular saver maxed. My mortgage with NRAM is at 4.78% which i can over pay without penalty, and can at the banks…
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Interest Rate shown clearly against online accounts
This is an appeal for Martin Lewis to urge the FSA to force banks to to show the interest rate against online accounts, therefore when you look at the account at the top right it will clearly say you are earning this amount of interest. I had a 18 Month Cahoot bond that ended on 1/2/2011 and only just got around to looking…
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With whom to invest a tracker-heavy portfolio?
Am I right in thinking that Hargreaves Lansdown levy higher than average annual charges for tracker funds? If so, where would be the best place to go to start a tracker-oriented portfolio?
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Where is the best place for shirt term savings
My partner and I are saving to get married in November next year and I am saving about £2000 a month at the moment. Payments for the wedding will go out in October next year. Where is the best place to put this money? In addition to this, my partner and I save £3000 a month for my partners tax, where is the best place to…
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Confused about compound interest - is it worth it?
Hi I’ve been playing about with a compound interest calculator inspiredtosave.com. It throws up some fantastic numbers based around what I “could” have in future... Are they accurate? If so, does anyone know why we weren’t taught this at school? Also has anyone ever managed to really gain from it? I’m not talking about a…
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NOW CLOSED - Northern Rock 4% AER, 180 day fixed rate notice account (max term 5 yrs)
This Northern Rock 5 year fixed rate notice bond (issue 2) allows penalty free withdrawals with 180 days notice. See the Northern Rock website. As a consequence, although it is not competitive as a 5 year bond, it can be run as (say) a market leading 6 month bond by opening an account and then immediately giving notice. In…
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Compensation for mis-sold investment?
How do i complain that i was given bad info by my financial Advisor regarding investing in a Arch cru investment fund.
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Need to open a Savings Account for my Mum
Hello all, I need some advice on the best way to do this. My elderly mother wants to open her first account and put away roughly £1000. The problem is that she doesn't have internet access and does't really want to do much other than put the money away and forget about it. I happy to set it up and manage it, but is this…
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Staggered interest or all cash in one account?
I suspect this is down to personal preference but thought I'd ask in case I'm missing something... I have about 10k doing nothing currently, and I have anther 10k due to mature from a one year bond in July. Is there any sense to wait until July to put them together so that I get the interest from that account in one go as…
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Any low risk ways to beat savings interest?
Any suggestions and what kind of return I would get? I looked at a FTSE 100 tracker but it wouldn't have done very well over a 5 or 10 year period.
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Is Interest paid at weekends and bank holidays
Do banks pay interest for every day of the year or just bannking days . just was wondering, as I am in the process of making sure I move every penny of my money into savings accounts, and only have the minimum to pay bills so that every penny i earn makes maximum interest .I am even make sure what i spend makes money with…
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Limit Orders
Does either X-O.co.uk or SVS Securities allow the scheduling of limit orders or something similar to let me: Order a BUY of xxx shares if share price falls to £x.xx Order a SELL of xxx shares if share price rises to £x.xx Set an expiry date for the above order I think X-O allows something close but SVS doesn't seem to have…
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first direct Cash ISA
Hello... I hope you guys can help me out please! I have had an ISA with first direct for many years now and each year add to it as they let you keep the same ISA instead of opening up a new one. It now has a balance of £13,000 meaning when I've finished adding this year's allowance it'll be over £18k. On their website it…
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Halifax Share Dealing £2 offer
Halifax are offering £2 real-time purchases on all UK stocks between 12pm and 2pm on 28th April. http://www.halifax.co.uk/sharedealing/events/
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Fund dividends
Hi all, Have started a s+s ISA with H+L and have a query about funds - specifically dividends. Why would I not choose a fund that pays dividends more frequently than others? Eg. some pay monthly, some quarterly while others only pay yearly. Do the ones that pay monthly pay their dividend % every month? This seems a lot of…
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£10 per month, long term investment
My nephew was born last year and I would like to invest £10 a month for the next 21 years. The problem I have though is that he was born in New Zealand and as such not a UK resident. Child Bonds and children's savings accounts seem to be out of the equation. Does anyone have any ideas as to where I could invest for the…
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Tax on Stock Trades
Hi, In addition to the brokers commission and Stamp Duty, do you also have to pay Capital Gains or other Income Tax on money made on a stocks & shares trade?