-
Capital Investment Bond
I have recently been advised to buy several financial products (namely ISA, Personal Pension Plan & a Capital Investment Bond). Firstly can someone please explain what the difference is between a Capital Investment Bond and a 'Fund' (are they one and the same thing) ? Secondly, this company provides 3 types of Capital…
-
Wrap accounts or managed account providers
I am presently in a Transact wrap account. Is this a worthwhile account or is it an expensive luxury. I have been informed that the discount that they get can on funds etc. can actually eventually pay for it if you have enough invested in the wrap account? Could the information provided by the wrap account not be generated…
-
interest
Hi folks .newbie here ,ive been thinking about it quite a while, i cannot workfulltime due to ill health but might be able to do some part time work .im 58 i have a morgage 15k so im thinking i might sell my house £155k . where do you think the best place would be to invest £100k so i would make enough interest to go…
-
Where do I put £4k for 5 months?
Its all so overwhelming!! I have £4k waiting to pay off an interest free credit card in June and would like to put it somewhere useful. Also Id like to save a flexible amount every month £100 to £250. Any suggestions?? I have already got a maxi ISA with 2006 & 2007s limits in it.
-
A Little advice re savings please....
hi all, my debts currently stand as per my signature. My overdraft will be cleared by end of feb at latest. Once it is, as i cannot overpay on my loan i will be saving to pay it off in full. I am a non tax payer. From as best as i can see, from April 2007 i will be able to save £700 per month. this is what i was thinking:…
-
Gross interest... Told them I earn less than £5k. Must I still fill out an R85?
I did a search, but nothing came up to answer this question. I recently opened a regular saver (8%) at my local branch. I told the lady that I only get my student loan as income (which is about £2700). Will I automatically be eligable for gross interest as I earn less than the taxable amount, or must I fill out an R85…
-
Where to put 2K for 6 months
Hi, I need to put £2k in a savings account for 6 months. Any recommendations? At the moment its in my EGG MONEY account which pays 4% interest. Thanks Laura
-
Two pronged??
As in the title of this thread i have a couple of questions to ask this very knowledgeable community :D Here goes, i have £30k to invest but would like it to be easily accessible, what would be the best rate that i could get for this amount? and secondly would it be better to pay off a life of balance transfer of £10k…
-
A single fund of funds for all investments?
Hi - a first post, so hope its OK. I've spent many hours recently investigating funds for a SIPP (for about £10,000) and an ISA (for about £4,000). I feel I'm going slightly mad trying to consider all the options, and its taking up far too much time! I think that my ideal would be a one-stop-shop, which I can then leave…
-
HSBC Flexible Saver
I was looking up my interest rates the other day and came across a very interesting sentence when I looked up the Flexible Saver page on the HSBC website. They are currently advertising for new customers by saying they would get 1% more than the current rate for a year if they sign up until end of January (their "Green…
-
Shares - locating portfolio?
Apologies if I shouldn't be bringing this up on this board but I couldn't find a Shares designated chat forum on MSE. I have a fairly extensive portfolio of shares (all smallholdings worth next to nothing mainly) and due to my debt I want to start and clear them out and use the money to pay off the debt. What is the best…
-
Help with my savings please.
I have managed to save a sum of £1500 which is currently in a hsbc savings account - which account, isa or any other savings plan is the best for my savings? Should I just leave it where it is?? (I dont intend on touching it) I appreciate your help, ive just looked at one of those money supermarket things and got all…
-
£52k into Icesave-monthly or annual interest?
Sorry, unsure what all this AER stuff really means.... House equity money, renting at mo....We've put 3k each into NSandI ISAs and are going to open 2 more in April. At the minute we have 52k left to put into Icesave (5.7% yes?) but need to take 6k out in April to open the next ISAs. May need another 1 or 2 k of it this…
-
Saffron BS increase E-Saver rate to 5.60%
According to Moneyfacts, Saffron building society's e-saver rate will be increased from 5.40% to 5.60% for balances of £1,000+, w.e.f. 1st February 2007. Balances under £1,000 will see an interest rate rise from 5.00% to 5.20%. Moneyfacts' Internet accounts list, here Saffron BS e-saver Maybe this account is a good…
-
birmingham midshires
hi ya guys a girls does anybody know any other number for birmingham midshires tryin to reset my password but cant get through on 0845 608 6861. thanks for any replies.
-
Skipton BS Christmas Saver rate increased to 7.09%
Skipton Building Society will increase the rate on their Christmas Saver from 6.80% to 7.09%AER (7.05% gross), effective from 5th February 2007. The new rate now appears on Moneyfacts, here. Skipton BS launch Christmas Saver 6.80% thread.
-
Cheque questions for savings account
The Icesave website for the online savings say "Making your initial deposit You can make an initial deposit by * cheque from a UK bank or building society account in your name(s) Please make cheques payable to 'name of applicant(s) plus application reference number*', eg Mrs A Wells 00001234. * transferring money…
-
Help with setting up a Euro account?
I would like to set up a Euro account as I am selling property in Euros and the exchange rate is bad at the moment, so thought I would hold on to the Euros for a while. Does anyone know which is a good account? I have looked at the Nationwide Euro acct which seems OK but none of them seem to pay above 2% interest and some…
-
Standard Life With(out) Profits
Someone still has a small SL low cost with profits policy of 20 years duration with 4 years left to run, not associated with a mortgage. They have held on hoping the terminal bonuses will recover, which they appear not to do. Are the next 4 years worth of premiums going to be wasted, as the terminal bonuses will completely…
-
Gift from The Godfather
I am Godfather to a one year old and wanted to make some sort of financial contribution to his future. £100 of premium bonds was my first idea, whilst they are a bit of fun I get the impression they are not that clever. Without prying into the parents financial matters what else could I do with that £100 that would benefit…
