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what would you do in my situation?
Really i am just looking for advice from the guys and girls that have been there and done it and can pass some advice on to me. Four months ago i got my first proper job after leaving uni and i am making a decent wage which enables me to save £700 per month. I have never been able to save / have this spending power before…
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Ask a silly question?
I hope this simple question can be answered simply, but I fear not. In 1999 I put £6000 into Fidelity Wealthbuilder (ISA), this over the years has hit the dizzying heights of £10500ish. Simply put, I want to earn more from it. I don't want to lose it, but a bit of risk wouldn't hurt. A friend suggested China/Asia. When I…
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£80k to invest
I need to be careful; but i want an income from it to. Is my only option a buy to let or is there another investment like gold/stocks a novice could be involved in? I used to have a flat giving me £520 a month but that was pre crash.
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Wanna start buying shares with £1000 we have saved. Where do I start?
Hi all Before I go any further, I am aware share dealing is a form of gambling. I also understand I could lose my £1,000 in total. Ok. I have saved up £1,000 from a 'Penny Jar' and with small selective betting on football. I would like to venture into buying cheap shares, but I don't have a clue where to start... I know I…
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Just a quick one (offshore banking)
Hey folks, I was just wondering what the setup is for offshore banking. Let's say I get divorced or divorce one day (hope not!) what would be the best bet for the wife not to get access to 50% of everthing? I heard offshore banking is probably the best way? Can anyone advise! and yes, we are not divorced, we are not…
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childrens savings
Hi, Anyone got any thoughts on the best childrens savings accounts please? 1 x 1y.o. 1 x 5y.o. Intending to drip feed each a tenner a month each till 16/17/18 y.o. Each have a couple of 100 already sat in 'spare' accounts of mine, so crap interest rate. CTF are in other accounts, dont want to add to these as children 'may'…
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3k to invest in funds.
I posted a few days ago and would like to thank the people for their advice. Now the the funds I was thinking after doing a little research, of buying 1k of the following: A ftse tracker A bond fund An emerging markets fund Would these compliment each other?, my methodology behind these are the bond fund would counter…
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iii Portfolio Builder - Reg. Saver
Can someone advise if it is possible within the 'iii Portfolio Builder' to set up a regular payment scheme to purchase shares or funds, then after the first purchase has been made cancel the arrangement. Even though it was set up as a regular purchase - as only one purchase has been made, will iii treat this as a reg.…
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Funds for 2011 and forward
Hi, (sorry, also posted this in "ISA" but probably belongs here better) I'm about to open an H&L Vantage Shares ISA. I'd don't have much free cash to start with, but have a longer time frame in mind (10yrs+) and at this stage I'm happy with higher risk funds. My plan is to open 3 funds with just over £1000 in each (H&Ls…
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isa subscriptions
I currently hold an online cash isa. i have paid in £184 over my isa allowance (£5100) so the balance is £5284. i have tried to ring hmrc to notify them of the error but have been left on hold for 30min and therefore not been able to get through. Please can anyone tell me what will happen due to this error?
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Premium Bonds Calculator Discussion Area
This thread is specifically to discuss the Premium Bond Probability Calculator itself To discuss premium bonds themselves see the Premium Bonds: Are they worth it? Discussion linked from the Premium Bonds: Are they worth it? Article To take part in this discusison click reply.
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First time saver
I am looking to put about £1000 into a savings account in order to get a steady monthly return on it and perhaps add to it as time goes by. However, I have no clue which is the best deal for me as I would like to access the money in case of emergency and I like the idea of having some contact with the branch or company.…
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Ex Bradford & Bingley Guaranteed Equity Bond
Our B&B Guaranteed Equity Bond now taken over by Santander came up after 5 Years for cashing in this month. The Bond was the second half of a B&B 'Guaranteed Combi Bond' taken out in November 2005 for which the first part paid a guaranteed 7% after 12 months and the second part was linked into the FTSE100. Whilst we all…
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ISA with Santander..
I don't really understand ISA's, the lady at the branch said to put my savings into one, because they aren't taxed - well, that bit i understand!! There's a limit on them of £5,100 right? Is this just to one bank? Or, can it be in several different ones? I am hoping to save £7000 by the end of this year, which will be over…
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Best way to save from overseas
Hi, I am currently working abroad and paying off debts in the UK. Once my main debt is cleared ( about March time) I am looking to save. What is the best way of saving from overseas? I will have a continual debt for the next 4 years but no interest or charges are being added so I am keeping that as it is. I have a an…
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Saving for a house deposit
Me and OH would love to own our own house, we still live with his dad as its cheaper, we were going to move out into rented accom, but have decided to stick it out and use any spare money to save towards a deposit :T Im aiming to save around £100 a month (see sig), and OH is going to match that at a minimum (he earns…
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MSE News: Lloyds TSB to come clean on savings rates
This is the discussion thread for the following MSE News Story: "The bank will publish rates on statements so consumers know when interest dives, in a victory for MSE's savings campaign ..." Read the full story: Lloyds TSB to come clean on savings rates
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lloydsTSB enter full memorable info now?
Does anyone else see a new box under the lloydstsb login ie drop downs for the memorable info as well as a box to enter it into. Having a box there seems extremely suspicious (i didn;t follow a link) as the drop downs are a way to stop giving all the info out. so wanted to check if anyone else see's it.
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Should I ISA?
Hi, just worked out my New Years budget and I'm planning to have around £60 left over each month. On top of this i have just come into a lump sum of around £700. My first question is, should I open an ISA for these reasonably small monthly deposits and if so any advice on which one? FYI I have no real need for instant…
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Britannia 5 year 50:50 guaranteed equity bond issue 47
I was silly enough to invest in this split equity bond 5 years ago :o . I have only£1000 tided up and it's due to mature in January. Has anyone any experience of this product and anyone know if I'm likely to get more than the sum invested? Thanks