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Friends Provident shares
I got 956 FP shares when they demutualised and they have just started a dividend reinvestment plan. I'm not sure it's worth keeping them though - they are worth about £2K I guess and the dividends are returning about 2% per year. What would it cost me to sell - presumably a brokerage fee and any tax? I'm an HRT and have…
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Buying shares online
Any idea which the best way to buy shares online, who is best for service and charges the least fees?
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Redundant- best way forward financially?
I'll be redundant come 01/01/07. My notice ends then - currently on gardening leave! I'll then be 53 - was looking to retire at 60 anyway. But has come a bit early. I'm being positive and realistic. I suspect any future work I do will probably be unpaid which is ok with me. I was saving/investing looking towards financial…
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Home sold where to put cash!!!!!
Just sold my flat and made a profit of over 150K any ideas where i shouuld put it as won't be looking for a new home till april/may nxt year.
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Bank transfer from the UK to Germany ??
Hi, Sorry if this is in the wrong section. I want to make a money transfer from a UK bank to a German bank so the funds will have to be in euros. Is there a way to do this without incurring charges? My bank (Cahoot) want £25 to do this via CHAPS. Thanks.
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Coop Windfall or not?
"LEEDS Co-op has announced that it is proposing to its members that the society should merge with the Rochdale-based United Co-operatives" I wonder if Leeds Coop members are entitled to a windfall payment, surely they must be it is only like Portman merging with Nationwide??
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Premium Bond Shenanigans
I don't know if something dodgy is going on, or wether I'm just unlucky when it comes to keeping my money. It started with my notion that you only seem to get payments from the Bond meisters within the first 3-4 months and then very sporadic after that. So that was the plan, heartened by the 3.1% average payout, put down…
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CHAPS vs BACS - Is it worth it? ***BETA Calculator Now Online***
As was being discussed in another thread, I have completed the development of a calculator that determines whether you would be better off using CHAPS or BACS for transferring money, based on the cost of CHAPS and interest that would be gained. The link to my calculator is http://chaps.kiltoxservices.net/ . It's in beta so…
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Lloyds TSB shares
Have just recieved a letter from Lloyds TSB offering to sell my shares for £30 or donate them to charity for nothing. Do you think they are tidying things up for a takeover or merger ?.
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Savings for God-Daughter
Hi, I'm hoping that someone can offer some advice on opening some kind of savings pot for our god-daughter. We would like to set up something in her name so that she benefits from a high interest rate which is tax free. We want to deposit money at Christmas and on her birthdays. We also want to keep control of the account…
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Savings for zero tax payers
We have given our son a lump sum as a reward for his first degree. He is now a post graduate on a grant and therefore a non taxayer. What is the best way for him to invest the money
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Coventry Building Society: Child Benefit Account question
My Coventry Building Society Family 1st Child Benefit Account will reach its second anniversary in February 2007. At that time, will I be able to close that account, investing that money elsewhere, and start up a new Family 1st Benefit Account? I understand that I would be starting again at zero and could only have my…
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Savings for best monthly income to fund care home
Dear old ma is reaching the stage where she will probably have to go into residential care in the next year. I am having a preliminary look at what to do with her money to fund it. She will probably have around 100k after selling her house. Monthly income 1200. this should stay the same. Monthly outgoings - care home 2150…
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websaver account
I have a current account with the Halifax and also a websaver account with the same bank, I currently have an overdraft of £1200 with my current account and I was wondering if it is possible (and legal) to transfer my remaining funds plus my overdraft from the current account to my websaver account. Any help on this matter…
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selling AXA policy
I have an AXA bonus cashbuilder ( i know bad idea) but i have now learnt my lesson and have decided to end this policy. I have rung for a termination quote, but i have heard that i may be able to get more by selling the policy. Is this a good idea and how do i find a buyer. I have had the policy approx 8 years. Thanks Paddy
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savings advice needed please
Hi, I've finished paying off the car loan :j now have an extra £250 month burning a hole in my ordinary bank account. Ive got 2 isa'a maxed out(wife and I) I need to look at regular savings accounts but cant have anything fixed for 2 or 1 year, I need something flexible but with good rates if possible. If anyone can…
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NS&I Index Linked Tax free savings
I've read Martin's article on NS&I Premium Bonds, but was wondering if NS&I Index Linked savings were any good (currently inflation + 1.15% for 3 years) giving a return of 4.85% tax free. I'm a higher rate tax payer so based on my calculations these seem better than putting my money in a fixed rate bond such as Anglo…
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Further savings advice needed please...
Hi folks :beer: Despite being the worst time of the year to save with Christmas coming up and all, I have made it a real goal of mine to get the ball rolling with savings. Step 1 has been achieved - The ISA. I've bunged £3k into a West Brom BS Fixed ISA at 5.40%. Not the top paying one on the market but reasonably…
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Not the great train robbery or Brinks Mat but is it legal
As I understand it if parents give money to their child then the interest on that money is free of tax provided it does not exceed £100 per parent in each financial year. Any money given by a person other than the parents can earn interest tax free ( as long as it is within the nil rate band for tax i.e. In total the…
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interest payment
Wages go into the bank on last day of month. All Direct debits go out of current account on first day of month. I get interest on my account. Would it be better to pay direct debits at end of month, would this maximise interest paid or make no difference. Thankyou maypole
