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Where to invest £20k
We have an endowment policy maturing in early June - it will deliver £24K so I need some suggestions for investing £20K (we are going to have a spending splurge with the £4K) As an outline we do not have a mortgage, we have taken our 2009 cash isa allowances and are filling up stock isa's with monthly contributions. We…
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ISA - Fixed Term or Variable?
I'm currently looking into switching my ISA from the NS&I Direct ISA (1.3%) to another account. Should I be opting for a fixed or variable rate ISA? Should I opt for: Var 3.1%: http://www6.marksandspencer.com/pages/default.asp?PageId=VRS&Product=IS or fixed at 3.1%:…
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inflation proofing investments
in an inflationary environment i have read that gold, property and index linked savings tend to do best. its a mixed picture with shares (depending on sector) and savings do relatively worse. is this generally correct?
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Britannia merger
As part of the co-op merger document Britannia said it will not pay a windfall, but will pay members a statuatory cash bonus unless the FSA says otherwise, which they hope the FSA do in the current climate. It didn't say statuatory cash bonuses are only paid to children and members with less than £100. Very misleading. So…
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Tax implications of paying off a relatives mortgage
As my savings are making very little interest I am considering paying off the mortgage of a relative what would be the tax implications of this?
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DSG Internatinal plc - Rights Issue
Hello to all moneysaving members, im new to this forum although I have been visiting this forum for a while this is only my 2nd posting. I have been offered to take up a Rights Issue to buy DSG shares. For every 7 qualifying shares held you can apply for 5 new shares at 14p per share. Just wanted your views if its worth…
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Very short term savings
I'm looking for a good,safe account in which I can stick £26,000 for a short while, I only have the money briefly before I have to pay it back and so would need instant access. Any suggestions or pointers would be very welcome Thanks PF
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NS&I 3yr Index Linked Certs
When all the banking problems arose last year I switched 15k into NS&I from an account which had over 50k in it, just to be on the safe side. Now seeing the NS&I index linked is doing very little and that is not likely to change much over the next 2.5 years I'm considering moving it out to place it somewhere else. Is this…
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Basic help saving £1k a month
Hi all. Bit of background for you. From never being able to save a penny in my life I opened the halifax regular saver (10%) which is up in july and will have £6k total. The other half has £5k of debt so Im going to pay that off and she will be paying me back. So with my £500 and her £500 I will have £1k a month to save. I…
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Email address for Lloyds TSB?
Hi folks, can't seem to find an email address for enquiries on the Lloyds website. Can anyone point me in the right direction? Many thanks
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When to be in income funds vs growth from same provider?
At 44 we have Funds in our ISAs as below, we'll be significantly increasing both the funds investment per month and Cash ISAs once we clear the mortgage (which should be in October). Our monthly investment is split over the following and I know we need to diversify more once we have more money per month. All are in…
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Forex Trading
There are any traders(forex) around in this forum? A couple of questions: 1-What are the brooker's fee(s)? 2-What currency do you normaly trade....if no secret. 3-Do you sugest a good book/website to get starting? Hope not asking to much. Thank you.
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Lloyds share capitalisation
Afternoon all, I got home from work to find a letter on my mat giving me some free Lloyds shares from a capitalisation. Now, can someone explain to me please in layman's terms exactly what a capitalisation is and what are the implications (if any) for having these free shares. Ta very much, I'm a bit of a novice at the…
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Forex Trading
Hi, I'm new to the forums and i have a question about foreign exchange trading (Forex Trading), where you buy and sell currencies. I have done some research on it on the internet and i know there is risk involved,but has anyone tried it, or are there any recommendations do's and don'ts etc. Ok there's one more question on…
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Ulster saving account, any happy customer?
I am trying to find out about Ulster saving account, please write if you have got had any experience with, many thanx !!!
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Stocks and shares tracking
I have just inherited some stocks and shares - they are spread geographically and are very diverse. I've been looking for a website where I can enter which ones I have and track the current value all on one webpage. Does anyone know of a free tool I can use to do this? Many thanks.
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Artemis fund
Any thoughts please on investing £3000 in their new Strategic Asset Fund... I am in for five years plus. I know that the market is all over the place, but thought it was better than leaving in the bank !!
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Halifax ISA transfer
Hi I have a Direct ISA with NS&I, however the interest rate is pretty abysmal and I no longer what to put up with it. I am interested in the Halifax fixed rate ISA saver at 3% but I am unsure of how to go about opening it. I would like to transfer in my existing Direct ISA balance and add this years allowance too. Do I…
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Binning old bank books
Hi folks, Whilst doing a clearout I discovered I still have a building society account book for an account I closed back in 2002. Is there any reason I should still hang onto it? Would I ever need to prove old bank accounts unless I was a criminal or something? On a similar note, how long do you folks hold onto your old…
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Savings for daughter
I want to start a self invested share portfolio for my daughter who is 18 months old. I am going to invest roughly £80 a month. Does anyone know what the tax implications are? All I want to do is open account with a broker in her name and trade when I see what I think is a good buy.