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£10,000 to play with, 24years old, small other income
Hi there. I'm 24 years old and currently have a few small income streams amounting to several hundred pounds per month, on average. I roughly break even with my rent and living expenses. Here is my financial situation: > No debts or money owed to anyone. > £10,000 split between three useless savings accounts which haven't…
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Stocks and Shares ISA newbie
Hello, I am in a position where I have £250 per month to put into an investment. This may increase in future. I have already utilised my cash ISA allowance for 2011/12. My aim is to achieve growth over a 5 to 10 year period. I have a medium attitude regarding risk Vs reward. Can anyone provide suggestions, I know not…
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Commissions on Offshore Bond
Hello My IFA has suggetsed that I make regular payments into an offshore savings plan. But what concerns me is that the IFA will earn a commission of 30% of the amount that I will pay in to the plan in the first year. So even without product charges I am at 70% of the amount invested. This will take many years to recover…
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FTSE Tracker - 2 quick questions
Ok maybe 3 :) Following on from a recent thread I have decided to reduce the number of UK based funds I hold from 4 down to some FTSE trackers. This is principally to reduce charges. My questions are: 1) I have used HSBC before as I believe there charges are low and H-L don't charge for holding them. However I want to…
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savings account for holiday?
hello, I would like a savings account that I could put a little away each week towards a holiday. we dont know when we will be going (late booking or pre planned), but would like to start saving now. I am not good with money so if I try and ave in my regular account I would probaly spend it. I dont understand lots of the…
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6 month savings account
Hi, I wonder if anyone can point me in the right direction?? I have a lump sum from my retirement that I need to save for just about 6 months until all the more permanent investments are completed. I am struggling to find any bank/BS that gives any interest for less than one year due to the bonuses which are part of their…
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Long term saving options and IFA's
Hi all. I need to start saving for my pensions ASAP and am wondering the best way to go about it. My work do not contribute to a pension scheme so I'm looking to do something myself. I will be paying at least £75 into a scheme each month, hopefully nearer 100, and if I get a better job that will jump up again. I intend to…
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Ex-Dividend
Hi, I suspect I know the answer to this already, but I cant find anything that confirms it. My question is, if I have shares in Company A on the ex-dividend date, but I add more shares between that date and the dividend payment date, do I only get dividends on what I held on ex-dividend date or are the further shares taken…
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Access to website after account is closed!?
This might be a bit off tangent, but I have the following problem 1) I opened an internet savings account. 2) I kept it open for about 1 year, during which I used the internet to access my account and transfer money. 3) I closed the account about 6 months ago. 4) I can still access the website of the savings provider, and…
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£8.5k to Invest
Hey Guys I'm 18, studied Economics and currently studying a Marketing & Sales Diploma. Parents have a cashpile of £8500 to invest into something, but she wants to invest it into something that is risk free. Currently it is sitting in an ISA which earned £200 on £8500 last year, and really, she wants a better ROI. Does…
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Baird & Co
Hi, Has anyone used these guys before - under the website goldline.co.uk? Thanks
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Joint Saving Accounts
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Saving Accounts Suggestions
Hi all Me and my partner have been talking and we want to opening up a Savings account we want: * Open with just £1 * Regular Payments in i.e Monthy direct debit of about £50 maybe more sometimes * No instant access * Save for about a year I think thats about it lol can any one give me some good suggestions :money:
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Nationwide
Hello, I was thinking of opening an account at Nationwide International, but not sure how safe my money will be. Please advise... Thanks
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cash???
Hi all, new to this site so not sure if even on the correct thread!? Anyway,does anyone know how much cash i can deposit into my bank account in one go? Long story but just found out mum has about £13,000 in her handbag !!!!!!!!!!!!!!!!and wants me to put it my current account Thanks in advance (All legit by the way just…
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How do I calculate this???
I know I appear a bit thick but I think I am having a senior moment! Can anyone tell me how to work this one out? I have £ x amount in savings which has made £ x of interest. How do I calculate exactly how much each £1 has made. My husband and I sort of share an account, his share is bigger than mine so I want to work out…
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Company Share Scheme - American Company
Hi, I work in the UK for an American company and part of my remuneration is a share option. I was granted 6000 shares and they are currently trading at around USD 35.00 on the NASDAQ. I know next to nothing about shares and tax planning, so I would appreciate some advice: What is the most tax-efficient way of realising…
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Zero Risk Investment
Hey folks looking for some advice Have sold house in UK and moved to Australia. Only on 4 year Visa and plan is we move back and buy another house. Have 40k from sale which I want to invest in the UK. Not too worried about beating general inflation, only house price inflation and since I don't think there'll be any, I'm…
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Old Premium Bonds
My elderly father is pretty sure he and my mum (now deceased) owned some premium bonds from years ago. Anyone any idea how they can be traced? Ta
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What is Tesco Web Account Savings Rate
I've had an account for some years and usually there is a bonus very year making it a reasonable rate. I just thought I would check today to see what the rate and (if any now??) bonus rate is but can't find the information on the web site even when I log in. So I am wondering if there is no bonus making it now 1.25% or if…