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[QUOTE=Sadsaver;69785697] “ I think you were told porkies, or you misunderstood. The thresholds were announced in the March Budget Mr Colsten, i think you have misunderstood what i said in my last post. I am not talking about the 'threshold' to be eligible to receive the £1000 tax free on sav...

“ Hi Sadsaver. I've got 3 seperate pensions if you include the State Pension and I've never filled in a tax return as I am a standard rate tax payer. I will earn over £1000 in interest when the new allowance kicks in but I have no intention of filling in a form unless they tell me that I mus...

If you think 3% is too high negotiate for what you think you should pay Now the pot size is irrevalent, 3% is 3%, so relative to the pot it's the same. Say for example you were buying an investment trust that was trading at a 3% discount, you wouldn't expect the discount to decrease the bigger the p...

While she is trying to decide put it all into an NS&I investment bond, will pay you £50/month, and although easy access, it is a bit of a hassle which may deter her dipping in every now and them



Or PremIum Bonds, everyone will say no, but I've won £800 in the last 6 months.



Cheers fj

Buying £50 a month is only 1% of your total investment, so it won't really make any difference if you do this as a £600 lump sum or £50 monthly, except that the fees each month when you drip feed will eat into any returns, also if the market takes off big time, you miss out again. If you can affo...

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