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Wanno's race for the 25% deposit
I set my heart on having my own place as soon as possible, but, who on earth has the spare cash for a 25% deposit for a house? Thats a ridiculous amount of money. But, never one to shy away from an extreme challenge, I am going to see how long it takes for me to save up this amount of money by beasting myself silly and…
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Newcastle Building Society - 5%, 5 year ISA
Details of this are scant at the minute: FIVE YEAR ISA (Issue 1) will be launched with effect from 24th June: a fixed term internet operated cash ISA maturing 31.7.14 with a minimum investment of £1 paying 5.00% yearly. Earlier access and transfers out permitted on 90 day notice. Additions permitted whilst issue remains…
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Managed Fund vs Tracker debate....new twist
http://www.bloomberg.com/apps/news?pid=20601213&sid=ak6UwnZK7g8I Mutual-fund managers who pick stocks are beating the Index by the widest margin in 26 years. I realise that this is a US survey, but seeing as virtually all the 'proof' trotted out in favour of Trackers is based on other US data it has some relevance. More…
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New to Saving
Hi, I'm new to saving and recently got into a long drawn out conversation about mortgages and how vital they were to getting a home etc etc I do plan on getting one but not yet obviously (only 21 :D ) however I doubt that'd be my only problem, I'm pretty sure I have practically no credit score which I am actually working…
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Egg Savings 2.5%
They say: "This is a limited offer for new accounts only, and for new money into Egg that is not already held within an existing Egg Savings Account (Internet) or Egg Savings Account (Investor)". So, I assume that if you already have an Egg Savings Account, you have to open another one? Does anybody know if that's correct?…
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Halifax RS and standing orders
my RS has just matured having used faster payments all year. So there is no need to use standing orders.
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ING Direct - Would YOU invest with them?
Ok, it's time yet again for me to search around for another place to stick my money as my fixed term bond has ended. I was thinking of going with ING 3.5% fixed bond (as I already have an active account with them - £2 in it!) and opening one of their fixed rate deals. This will save the time of applying to YET another…
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Bradford & Bingley savings account number
Hi all, I recently opened an E-Savings 7 account with Bradford & Bingley. They have not supplied any sort code or 8 digit account number, only there own 12 digit account number. This means i cannot transfer money from various accounts, only the account linked by Direct Debit. To me, this is not normal practice. Why can't…
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staying on top of savings rates
It is one heck of a job trying to keep abreast of current, best savings rates. This thread on this site is managing to do it http://www.askaboutmoney.com/showthread.php?t=90481 It is well and truly in my favourites
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Anglo Irish - Stick or Twist?
I know we've done this to death over the last few months but .... ... my fixed rate bond matures early July so need to find a new home for the money. Although I have not worried too much about the stability of the bank, now that I have to decide what to do with my funds I'm debating! Would you keep it in Anglo or move to a…
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Investec 12 month deposit account
Has anyone any experience of this? http://www.investec.com/en_ie/#home/individual_clients/capital_markets/Deposits/twelve_month__fixed__term.html thanks
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Advice on investments - IFA never calls back
I decided to buy a hot tub and want to draw out some funds to pay for it. My IFA has not answered my calls or emails - except briefly once saying to use some of my commercial property funds - but has not answered subsequent emails/phone calls asking questions. I have a significant amount of money spread over the following…
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Where to save
Just got some money, over the yearly ISA amount (roughly £10k) and am just wondering where will be the best place to put it for a couple of years?
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Non-sterling savings (how to avoid hyperinflation)
Although there's a lot of talk about deflation hitting the UK economy, an increasing number of commentators think the UK could be heading for a bout of hyperinflation. If the government resorts to printing money to get the economy moving, then sterling will get trashed. For anyone with substantial savings - for instance…
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Shares
I have several batches of shares in lloyds tsb, can i put them all together as one batch???? If so what do i need to do and is there a cost to do this????
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ISA Wrapped Unit Trusts / OEIcs
I'm thinking of using my ISA allowance next FY to invest in unit trusts not all the 8 funds I want to invest in are with the same company. In fact there are 4 different companies. I presume I can still take-up my full allownace even though I'm investing in 4 different companies? With ISA allowance on Unit trusts /OEICs how…
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Savings: cash ISA or high interest current account?
Hi - not sure if this is daft questions (if it is i'm daft, so please help anyway). I have £5.5k in a cash ISA earning a miserable 1.75% interest. I have been sent a mailing for the A&L 6% current account which seems to be a lot more than I can get from other ISAs on the market. So is it sensible to transfer my money to a…
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Close Brothers 4.5%/4.75%
You can get 4.5% fixed for two years or 4.75% fixed for three years with Close Brothers. A good headline rate, but quite a long time to tie up your money when rates may be rising. http://www.telegraph.co.uk/finance/personalfinance/savings/5565870/Wealth-workout-Close-Brothers-strikes-gold-with-bond-at-4.75pc.html
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what if share dealing service goes bust?
I cant make my mind up between td waterhouse, iii and motley fool for the share execution service. my question is what happens if I go with one of them and it goes bust? would I lose my shares or face a long delay?
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Working out intrest on Excel?
Hi, I was wondering if someone would be able to help me on how to work out how much interest i would be paid out from an amount? For example if i have £20 in my bank and my interest rate is 2.5% it will tell me that i get so much a month? I used to have the formulas in excel for this however i have lost them. (Not sure if…