-
sellig my endowment......?
hi i have an endowment which i am thinking of cashing in. i know that i could sell back to the life company , but i have seeen the adverts for selling endowments to AAP , who may give more money back to you than the life company. please any advice would be welcomed. thanks Yoshii
-
Min bet on spreadbetting
I want to know which company provides the cheapest bet on spreadbetting for financial market. The cheapest I found now is finspread.com 1p per point for 8 weeks then increase to 50p per point. Any good suggestion?
-
help need for risk free investment
Good morning, a friend of mines brother has a lump sum he wishes to invest but he is massively adverse to risk, on a 1-10 scale he is at least a 0 if not a minus. He has taken financial advice from what i would call, an unscrupulous chap, who has told him to buy a Skandia bond. Saying its an 8% return with no risk. Any…
-
Pension nightmare
Hi, pension questions. I have 2 pensions running. The 1st with Allied Dundar (now Zurich), I stopped paying into because the service was just so bad. They couldn't even change an address correctly. Consequently, it's practically worthless and I just ignor it. I get no advice from them. What can I do with this and can I…
-
Which Bank and Which Account
Hi Folks, I'm from Northern Ireland, so alot of the banks usually mentioned are not available here bar the big ones. I have £11,000 in a basic Bank of Ireland current account which offers very little interest if any What would be the best type of accounts to put this into. I would like to keep a few thousand in an easy…
-
Child Savings
I have read Martin's article on child savings accounts and opened save4it accounts with Halifax for my two children. I am intending cashing in premium bonds held in their name and want to take advantage of Halifax Regular Saver for children offering 10%. Martin has suggested drip-feeding the regular saver from an…
-
stash the cash?
I have just sold my house and will be renting for 2 years (long story involving daughters, colleges etc...v.boring) . I have £60k that will be part of my downpayment on a house after that 2 years. Is just sticking it in an account along with an isa a year the best option? I have never been in this position before and it is…
-
Nationwide UT's - thinking about moving!
I have a ISA unit trust with the Nationwide worth about £4000 and I invest £100 per month into 5 different funds (£20 each). Target Return Fund. High Income Fund. Balanced Fund. Tracker Fund. UK Growth Fund. I opened it because it was easy and I liked the idea of investing £100 into 5 different funds rather than two lots…
-
When to switch savings accounts?
Hi all! As the sign says, I'm a newbie moneysaver, and have a question for all the Savings-Hawks out there. I've got a moderate amount of savings (most of which is Student Loan), which I may need access to in a hurry somewhen in the next few years. As a student, I'm gross registered tax-status, and am currently receiving…
-
The "erosion" of cash - a myth?
I wonder if someone can help put this straight. I've noticed a few posts saying that investing money in cash (i.e. bank accounts) is a bad long-term idea and will actually "erode" it's value. For example Dunstohh (not singling you out, you just happened to have written the last post I saw on this issue) pretty much said…
-
stockbrokers
Hello, Apologies for the slightly unconventional nature of this post.I am currently considering applying for a position as a stockbroker and want to know exactly what do you sharetraders look for in a personal stockbroker? Please give examples of good and bad practice. Which companies have given you particularly good…
-
Endowment Help
I have a double five endowment assurance policy with the CIS (Co-op) I have paid £110 amonth for 10 years,it is now matured, I had very little correspondence from them during the 10 years, last year I asked them for a estimated maturity value, which they sent me a estimated quote value of £17.400.00 to 18,000.00 which was…
-
What to do with70,000
My husband has just retired at the age of 53, we have a small mortgage with about 7 years to run, should we pay this off? How can we get the best income from our money?
-
offshore savings?
I would like to open an offshore savings account. What do I do? Where do I look? What are the best things to look for? Thanks
-
Small sum,quick return
I have £1700 to invest on a short term basis. I want to invest now,and withdraw the money about the end of August,on an instant withdrawl basis. What/where should I be looking?
-
Phoenix (Abbey) Investment Bond
I have a Phoenix (was Abbey) Investment Bond which I took out in 1999. The initial investment was £5500 and is now worth £6554. The value did drop as low as £4100 in 2003 and the fund is Phoenix ANL Managed according to the latest statement. I was hoping to cash it in and pay off my mortgage and start a shares ISA or…
-
deposit account?
Hi I'm a newbie to the site and I've looked through some of the other postings and found good advice but would like to ask for advice on what to do in our situation. We are in the process of selling our house and intend to live in Spain with a view to moving permanently. We will be renting a property for at least 12 months…
-
Savings advice wanted...?
Hi, I'm 16 and am wondering which bank account would be best for interest rates. I have just over £1200 at the moment and am earning about £150 a month... I've never had much money before so I didn't worry about it, but as I am saving most of it now I thought I'd look around. Any help or advice would be very welcome! Thanks
-
After cash ISA: S&S ISA or regular savings a/c?
Martin's 'fountain method' recommends paying into regular savings accounts as soon as you've used up your annual cash ISA allowance. However, I'm wondering what the returns have been generally on Stocks and Shares ISAs in recent years. Are these tending to accrue more than you'd get with the banks, in view of the fact that…
-
What should I do?
Hi, I am in the process of selling a number of rented flats. Looks like I willhave to pay 40% income tax on this sale. From what I believe, I do't have to pay back this tax for another 18 months? If this is the case, would it be sensible to put the money, which "Mr. Brown" wants, into some sort of savings account till the…
