-
Stock Market Investments for Children??
I want to start investing for my children, not massive amounts, but maybe £25 per month - but not just in a decent childrens bank account. Anyone know if there is such a thing as a stock market investment for children (ie one that has specific tax advantages??) thks
-
£15,000 to invest!
Me???I wish!! However MIL has. She is 60,retired and a widow.She pays tax on the pensions she gets. 5yrs ago she invested £15k with Friends Provident.The period of investment is up and she has apparently gained £900 in this time with which she is not impressed. So she is considering taking it out and re-investing elsewhere…
-
How to use £10,000 for best return on investment
I have around £10,000 in bank's savings account (getting 4.5% APR interest). Is there any way to get better return on investment? Please note that I'm not a permanent resident of UK. So, I won't be able to invest on long term (>1 year) basis! Thanx for help. :rolleyes:
-
reward Bond about to mature
I have had £5000 invested in Nationwide members reward Bond for 3 years. It's due to mature on 7/4/06 for £5626. N,wide says I can reinvest it at the same rate, 5.05% or draw all or part of it. I have not used up my tax free ISA this year, but this bond matures too late for that and I think I'll be able to use my ISA…
-
Advice about savings accounts versus overpayments on morgage
Can anyone offer any advice about whether it's better to make an additional payment ontop of your monthly morgage payment or set up regular savings accounts or isas/tessas. I'm really confused after reading all these articles. I don't have any savings accounts or investments, but pay an additional £100 into my capital…
-
Savings accounts.. is a credit check run?
Hi all, Just a quick question, I want to open a savings account and wondered whether the banks etc run a credit check for these as I have had bad credit in the past and don't want any unnecessary searches on my credit file, even if for a savings account. Thanks for any info received! Welshlass...
-
A&L Online Saver 2 (merged)
Rate change!!!! 0.9% Intro bonus has been removed and rate now 4.25% on the account, down from its 5.15%! Might have been mentioned already though, apologies if it has.
-
Come into money but I have really bad credit rating
Hi, first post on here but just as the title suggests really. Recently a relative abroad died and left quite a bit to a couple of family members, I now have £145,000 coming my way once the will has been read etc etc. At the moment I have my own house with my partner so wouldnt be wanting the money for any property and…
-
if low income under tax threshold how does it work for
savings? can they reclaim tax? and how does this work exactly? for a low income person is it better to have in normal savings account or in an ISA?
-
Barclays 10%
Hi I have just opened a saving account with Barclays, my current account is with them. I am saving the maximam £250.00 per month. I was told that my interest would be £300 after twelve months as that is 10% of £3000 that i will have in the account. I feel that this figure is not right as the £3000 will not have been there…
-
Mum Needs To Spend and Save
Hi there guys – first time post here so I’m hoping you can help me. Reading other posts I appreciate not everyone gives sufficient info so I’ll try to give you as much info as possible thus allowing you to best advise a way forward. My Father recently passed away and by the time probate was complete my mother has been left…
-
Calling existing Cheshire members
Your society is in the news. Poor results including a loss (although management says performance is improving). £10m commercial property fraud :( . Portman BS came courting to try to take them over last year. Boss Colin Whittle got an extra £322 payoff last year as "payment for failure" :mad: . Your money is safe :) . The…
-
please help clarify the following point
Martin says (in this article: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1108401263,93536): QUOTE To invest a lump sum using the Derbyshire or Halifax, put the money first in a standard savings account (Best Savings Account Article) then make monthly payments from there to the Regular Saver. Make the…
-
Anyone considered or using Zopa to lend money with >5% rate?
I've just joined Zopa so I can get my credit score for free, as suggested by Martin in his credit scoring article. Meanwhile I've read up on how it works and it could provide a good way of making a higher rate savings account. I'm a bit confused why it won't let me borrow (I don't actually want to borrow). It says that…
-
Am new and need advice please!
Hi I thought I would post on this site as I have recently inherited a large sum of money (£80,000) and wondered if anyone has any advice on where I will get the best interest on it??? At the moment I have only got it in a HSBC savers account. Any suggestions would be appreciated! :confused:
-
Advisors & costs
Can anyone tell me how the charges are worked out for the different investments. For example if I take out an ISA in stock & shares how much will the adviser get? Lump sum 2/3% introductory commission of investment and then a yearly ?% cut thereafter. So does the yearly commission cover the advisor checking how the…
-
Halifax Regular savings
I have just had the anniversary of a 7% regular saver. I have for 12 months deposited £250 (the max) a month expecting £210.00 in interest. I have received £116. interest which I think is wrong. Before I go ahead and close two childrens regular savers which i am putting £100 a month each can anyone tell me and explain how…
-
kevanbarrett
MY son's ( 20 in July) bond matures in July. I need a year's( or close)fixed term investment in his name to pay the best, as I presume he is still not paying tax, with another year to go at Uni. Thanks in advance for those normal super replies. Kevan Barrett.
-
Isa question
I have a mini cash isa containing a few thousand pounds with HSBC( i think the interest rate is 4.75% but a bit confusing on their web site and it may be 4.65%)..anyway i am considering a transfer to A & L at 5.2%......However two posers.....1/ A & L could easily drop the rate by .1,.2,.3 per cent once they have bagged a…
-
Should I switch?
Hello again Money people, I love dosh, so it pains me to see that I am getting a lower interest approx 0.09% on my account than the current inflation rate of 4%? so for every pound in my account im losing just short of a penny right. Also as I am a basic taxpayer 22% this surely means whilst my money is in my current…
