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Lloyds monthly saver - interest seems low
Ok I opened the monthly saver on 26th March 2009 and put money in every month total being £1420. Now gross interest has been added to today so complete total being £1436.38. So for the whole year I only made £16.38, it just seems very low. Can anyone work out the percentage? I'm sure when I opened it, it was fixed at 4%.
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Is this worthwhile? And can anybody explain the charges to me?
Hi guys I have been trying to look into Stocks and Shares ISAs and have found the following at Halifax. http://www.halifax.co.uk/investments/funds_uk_equity_income_high_income.asp It seems to have holdings in the best performers and wondered if it was worthwhile putting £500 into it? Also, could somebody please explain…
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Principality Fixed Growth Bond
Principality have told me this I can transfer funds from a maturing fixed rate isa to a six year fixed growth bond that guarantees a minimum10% return without losing the tax free status. It is backed by Credit Suisse. Seems good but is it a good idea to lock the money away for six years?
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Paying Mortgage v ISA v Pension
Any advice here would be appreciated. Im 30 and, after outgoings, am left with around £2000 per month. At present I have an interest only £156k mortgage. As I am on a tracker my repayments are £196 pcm - bound to go up soon I know! Would I be best blitzing my mortgage (it is flexible and I can pay as much as I like on top…
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I want to pick as many brains as possible, take your time?
http://docs.google.com/fileview?id=0B-kZxRfCd2u5Nzc0ZmE3YWYtYWM5Ni00MjM1LWFiMWItOGIzNDYwY2JlMjU0&hl=en Hi, Long story, but I want some advice, some Excel experts, some financial experts to check over what I have done. I have created a spread sheet, which outlines how long a certain sum of money; £482,000.00, will last an…
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Credit check when didnt apply
Hi, I have a query with some entries on my credit report They are in regards to current accounts from the nationwide I was looking at. I was looking to apply online for a new account and when I filled the information out as requested if told me what kind of account I could have, which incidentally wasn’t the one I wanted,…
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Best Shares for Dividends
Hi, I am looking to invest in stocks for the first time. What are the best shares for high dividend returns? I am aiming to purchase via my ISA stocks allowance Thanks
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Can non-taxpayer claim gross interest on current account?
I am a low income non-taxpayer with some savings and want to get the best rate of interest I can. Is it possible for someone in my position to get interest paid gross on funds in a current account. I was thinking of opening a Lloyds Vantage account but if I have to pay tax on a current account it might not be the best for…
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halifax incompetent in helping elderly customer
I thought I was doing my mother a favour getting her to ring halifax and ask for an account that would pay her a better rate of interest. She is partially sighted and has poor health. They insisted on asking her questions about her account that she could not see - so asked me to read for her - they said that as I was…
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Shares Only ISA
Can I just buy the Max sum allowed in one share and put them in an ISA?if so which is the best way to go about it? THANK YOU
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Which investment or Unit Trusts?
A question that is certainly puzzling me, and may well be of interest to others. So all considered opinions are welcome: I have decided that the time has come to take my savings (about 25,000 pounds) out of cash mini-ISAs and put them into global stock markets. I am interested in managed funds, unit trusts or whatever that…
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Cash in bank account do I pay tax ?
For the last four years I have been saving cash into a pot , by selling things on ebay and saving loose change , also doing jobs for the neighbours i have 2000 pound saved , i want to put it into a bank /savings account but if i do this will the bank want to no where i got the money from? will the tax man see this money…
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Hargreaves Lansdown - High Charges Warning
One thing to watch out for if you are considering holding investments with Hargeaves Lansdown or do so in their ISA is rather than discounting management fees they charge an additional 0.5% plus VAT (0.0575%) on certain funds. For example the management charge on Fidelity's UK Index fund is 0.1%. If you hold this in a…
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ISA question
I have an Alliance & Leicester ISA which I got last year, on this site it says one of the best ISA's at the moment is from A & L which are 3.5%, as I am with them anyhow with an ISA does this mean I get this rate or is this a different product which I have to apply for to get this rate? I'm still getting used to ISA's and…
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large amount of cash advice
Hi, can anyone please advise me on what to do with approx £20,000 i have in my current account? the ISA i have had with my bank (halifax) for a few years is full. I havent got any clue what to do with this excess money. I would appreciate any help and advice, thanks in advance Shaun in plymouth
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Tips on Saving
Hello everybody, I currently have about £32,000 spread accross 4 bank accounts, approximately I have; 3600+ interest in my CASH isa 1000 in a basic current account 1000 in a basic savings account, achieve approximately 0.12% 26000+ in Reward Reserve account which I believe with bonuses gives about 2%. Not great really. I…
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Savings accounts for UK citizen resident overseas?
Hi I am a UK citizen living in Cyprus, with a number of savings accounts I have maintained since I left the UK in 2004. I live and work on Sovereign Base Area territory, and my earnings are not subject to UK income tax. Having compared the various savings rates on offer, it is obvious that I would be better off…
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Savings Accounts for Discretionary Will Trusts
Hi, Does anyone have any tips on where to get a decent rate on a discretionary will trust account. After trawling the high street, I eventually got someone to understand what I was talking about in Halifax, and now the fixed rate is up I need to move. Kind regards, P.
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Shares...I have them but need to sell them
I have shares in BAE Systems that I was given when I worked there. I have had no correspondence regarding them since I moved house 8 years ago, but I still get a dividend every 6 months. Now I want to sell the shares but I have no account number, and no idea how to find out how many I have etc. Any advice appreciated.
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International money transfers
Sorry, not sure if this is the right place to post this query. My wife's parents want to help us buy a new house and want to send about £200,000 from Australia. Are there any restrictions on money transfers coming into the UK? Do we need to pay tax or something similar? Also, they want to put the money into our overseas…