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Vantage account query, existing Lloyds a/c holder
Hi, this is my first post :j My wife currently has a platinum Lloyds current account, which i think she pays £15 monthly for (it has benefits such as AA recovery, travel insurance etc so probably want to keep it) However we have noted comments here about 4% on several vantage accounts and want to open as many as possible.…
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IFA Advice
I am looking at getting some independant financial advice on my pensions, anybody have any idea how much they cost?
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Saving System
Hi, sorry the titles is a little vague i was unsure what to put! Basically I was wondering how other people go about saving, wether you have a instant access savings account which you pay into monthly and then transfer money from in to an ISA when you reach a certain limit? The reason i ask is I have a current account and…
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Tempted to buy some shares?
As i've filled up my isa for this year would it be a good idea to get a shares isa that tracks the ftse 100 and pay into it each month? Also can anyone tell me why it would be a good idea to buy into these cheap bank and oil stocks which are now available, i know they could drop even more but i'm looking at just sitting on…
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PIP's
A friend was raving on about one of these. A Newcastle Building Society PIP, something about it being a high interest paying share. Anyone any info, or knowledge of where I can info, on them. I am into shares and ETF's but never heard of these. Thanks
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FTSE Tracker ETF Advice sought
Hi all, I'm considering investing in a FTSE Tracker ETF by a sharebuilder type of arrangement over the next tax year and I've got a few questions that I hope you might be able to help me with. Firstly, do ETF's pay dividends or are they growth only? I've looked online and seen different answers which has left me a little…
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Sharesave 2010
Hi all, I am NEW to stocks and shares so please bear with me. I normally deal with savings and ISAs. I have been invited to join my company sharesaving scheme. The max I can save is £250 a month. The shareprice is 20% less that it is for the public. My older colleagues say it is a good idea as they have doubled their money…
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Interest Calculation Question
I wonder if anybody can help me.... I'm trying to help a friend work out some figures..... She has acquired a dollop of cash and realises it would be better to pay off some credit card debt rather than put it in the bank. Obviously it is easy to work out the monthly saving in CC interest if she just pays off that amount of…
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Lloyds Incentive Saver
Have given up waiting for a better account to come along and opened a Lloyds Incentive Saver account paying 3.00% gross. Disappointing, was hoping something would come along paying more, but such is life. At least if any really good accounts do appear, I can get out of it quickly, even though I would lose a whole month's…
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Saving Accounts for non UK residents??
Does anyone know of any savings accounts open to non-resident UK citizens, preferably with decent interest rates? So far, HSBC is the only bank I've found, but their rates aren't very competitive. Thanks in advance!
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Corporate Bonds
I'm pretty new to investing in unit trusts and just wanted a bit of advice. I would class myself as a very cautious investor and at the moment I only want to invest using my ISA allowance. I wish to invest in investment grade corporate bonds and assuming the fund consists mainly of high quality bonds, I plan to simply…
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Investing in Art ?
Anyone invested in art? -i have seen a limited print of 100 signed by a "prominent" artist(no not Rolf Harris!! who is a member of the RA for £150 -i wonder if it is a good long term investment?
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Savings 16 year old son
Hi My son is 16 and I have a child's savings account in my name for him. I've just been notified by the bank that he will lose his gross interest on that account on 5th April as he's now 16. I need to change the account so that it's in his name and he will then need to claim the gross interest. However, I'm not sure if…
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Investments Abroad
I have an endowment policy in Germany which is coming to fruition in April and want to know if I should leave the money in Euros in my German bank account or transfer it to British Pounds to my English bank account? I now live in England.
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Are there any funds/ trusts which are tax exempt in a S&S ISA?
Just wondering whether there are any funds/ trusts/ bonds that can be held within a S&S ISA, that pay an income which are not taxed like dividends? Do such beasts exist?
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Tax & savings
I'm 65 and have been retired for some years now. I have, in the past, worked at Waitrose for about 18 months part time. I have about 100k in a building society and 750 shares with Standard Life. My question, is do I have to pay income tax on my savings. I am paying tax on my savings at the moment. Advice would be very much…
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Why "Never, ever, ever, ever" ?
Hi All, Please could someone throw some light on this please..... I have £10K sitiing in a cash ISA which I'd like to put into a higher perfoming cash ISA. I am over 50 and so am allowed to put £5100 into an ISA account per tax year. I have not put any money in so far this year, and so I was planning to withdraw the £10K…
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Which offshore bank?
(I mean in the British Isles) would you most trust to put your savings in or expect the compensation schemes in existence to be satisfactory for if the worst came to the worst? Nationwide or Clydesdale would be too big for the scheme to cope with? I cannot find an update on these fora about the failed Icelandic one and how…
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Child savings accounts
Anyone got any ideas where to put some money for my two boys? Have saved around £20 per month since they were born, in a Coventry BS childs account. One is now 10 the other coming up 7 and i thought it high time i checked out some better interest rates if there are any.
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How to invest 50k?
As the result of a death in the family I've recently come into some money (50k) and would really appreciate your advice and ideas on how best to invest it. I'd like to spend a little on life stuff (get my motorbike repaired, maybe go on holiday, etc.) but invest a healthy chunk of it wisely. What would you suggest? Thanks…