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With Profit Bond
I invested £100,000 in a with "profits" bond with Liverpool Victoria four years ago. I took the option to withdraw £5,000 per year. I have received my anual statement current value £101,741.56. This is less than value last year (£105,478.07). The surrender value after deducting 10.13% MVA and 3.00% exit charges is…
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£55-60k to invest
Hello people! Shortly I will have in the region of 55-60k which I will want to invest. I already have a few investments, ranging from low to high risk. I am prepared to invest in med-high risk methods & to have it tied up for a few years. Any ideas/top tips in where/what to invest in? I am tempted by the stock market, but…
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Alliance and Leicester Online Saver Account
I've just had a letter from A&L saying that the interest rate on the Online Saver Account (issue 1) has dropped to 4.5% for balances under £30,000. Just thought it was worth a mention for any account holders who weren't aware. I'm off to work out whether it's worth moving my money to another savings account :think: EDIT: I…
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Best Account to allow my non-tax paying wife to earn interest on our savings
As my wife does not pay tax it would be best if we could have our current and savings accounts in her name. However I also want to avoid the loss of 3 working days interest in moving my salary into this account - are ther any banks, where if we both banked with them, that would let me move money instantaneously from my…
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Husband's bonus - how do we make it work hardest for us?
Hi, My husband has just received a substantial bonus which is currently sitting in our offset account doing nothing. I really want to know what is the best option for it. I already think I will put £6k into 2 ISA's. I currently don't work and we have a 20mth child, is there any benefit in putting savings in our names? I…
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£20,000 savings best option?
Hi, im new to this site, and it appears there are a number of super intelligent financiers among us... hoping for your help. ive got £20000 to put towards a deposit for a house in the near future - 2 to 6 months. Presently the £20000 is in a Bradford and Bingley savings account, which has instant access - though i havent…
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Norwich Union With Profits Portfolio Bond
I am hoping for a bit of guidance with this. When my TESSA expired in 2000 I took my money, £5000, and put it into a Norwich Union With Profits Portfolio Bond as it was too much for an ISA. The return on this has been pitiful and the statement from the 5 year anniversary says total £5239!!!!! :mad: I don't believe I am…
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First Direct E Savings Account
One of first direct's conditions for this account is that if you make a withdrawal in a month, then you forfeit the total interest payable on the total amount for that month. The interest is credited to my current first direct a/c on the 1st of each month. Interest accrues daily and is paid monthly. My question is, if I…
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help needed with teens savings
my kid is nearly 15 she has a Halifax regular savings accounts for kids (has had for about 4 months) it runs for a year my mother has died and in her will has given her £3,000 my mum did not want her to have the money to she was 18 at least any ideas what i can do with the money to she is 18 (i no i have to pay tax on it…
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PIN NUMBERS too many!!!
How on earth do you people remember all the pin numbers? I have changed some to one number but take alliance and leicester they have 12 digit customer ID 5 digit customer pin 4 digit card pin 4 digit phone pin Ahhh It is driving me bonkers.
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Quick question on savings accounts to access only a couple of times a year...
Hi all Quick question. I want to open a savings account. Will only ever need to access it 1 to 3 times a year. Have an ISA already so not one of those... Looking at First Direct's e-Savings account - any thoughts? Comments appreciated.
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is an ISA transfer worth it for 0.3%?
hello, this might seem a stupid question but: my partner & I have £3K each in Yorkshire building soc E-ISAs at 4.9%. Is it worth the hassle of transfering these to the A&L direct ISA at 5.2%? We plan to put another £3K each into the ISAs in April. Eg. what would the extra interest translate into as cash. Many thanks
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Barclays - is this fair?
Quick question. My sister opened an account with Barclays so that she could have her wages paid in. At the time sha hadn't been in the UK for very long and she had lots of problems opening, but Barclays finally opened her account 'as a housewife'. Since then, my sister has realised that she's being charged £9.50 monthly to…
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Children's savings
I was wondering if any of you could recommend a savings account for children. I'm not talking a lot of money here. Say £500 initially and then perhaps £50 monthly. Thanks all.
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Newbie question
Hi I just found this great site and wondered if anyonce can help? I currently have a maxed cash ISA with HSBC and have come across £10k which i would like to save / invest. I will never need it straight away and would be happy "locking" it away for upto a year at a time - anythoughts on what i am best to do with it. I am…
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A&L premier 10% account: schoolboy maths question
So it appear Alliance and Leicester are offering a whopping 10% AER on their Premier Regular Saver account ...What's the catch? Also: The account lasts a year and offers 10% gross aer, interest paid on maturity. You can only put in a maximum of £3,000, and it has to enter the account in 12 x £250 installments. So: If i did…
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dfisted
applied for a Halifax regular savings account for granchild with his passport, but informed that they reguire proof of his addres. As he is only 10 months he does,nt have utillity bills....Help!! As Halifax dont answer my e.mails
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best Investment for £2500?
Hi All I have just come into a bit of money and want to Invest £2500 of it, but not sure whats best for a maximum return. Can anyone suggest high Interest accounts, or maybe Shares is another option? Any suggestions welcome
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premium bonds -- just a quick question
can you buy them with credit card for that months draw then credit your credit card back again to cover the bill
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Ethical saving
Does anyone have any advice on the best savings accounts with ethical standards attached? I prefer to go for an ethical account even if this means less interest, but I don't really know where to start and I would still like the best deal possible. I know the Co-op are meant to have good ethical standars but are there…
