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Premuim bonds versus National lottery which has the higher probability to win??
Premuim bonds versus National lottery which has the higher probability to win?? Trying to convince my partner that 2 lottery tickets per week plus scratcards (arround £100 a month) is better spent on premium bonds you have the change of winning £1 million and keep your cash...not getting very far though does anyone know…
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child tax fund - which bank to invest with
I just recieved the child tax fund of £250 which you supposed to open a bank account or invest it till child turns 16, which is the best bank to invest with ??hope theres others that know about this and will be able to advise me which bank is best. thanks for reading and replying.
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A&L Direct Saver vs eSaver?
Currently got 19k sitting in an A&L Direct Saver. Noticed they are now doing an eSaver. Direct pays 6% (reduced .30% at last rate change) eSaver pays 6.5% Firstly can anyone tell me the difference between the two? I can't really see any? Apart from the eSaver gives free withdrawals in July? It would be beneficial for that…
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IFA Question
Hi. This is a question to any IFAs, I was hoping you might be able to help. My parents IFA recommended an investment bond. I believe this was done wrongly as they are both basic and non tax payers. I have read that Investment bonds give IFAs large commissions and are therefore often recommended unnecessarily. Is there a…
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Best savings accounts for children
After a considerable length of time studying i now have a decent job and would like to start saving for my childrens future about £10 a week to start with, ive never been able to before so i dont know where to start. i know absolutely nothing about childrens bank accounts or tax etc. can someone point me in the right…
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Halifax RS maturity question.
I might be wrong here, but I seem to remember a thread ages ago regarding the final SO payment of the Halifax RS and that you should bring it forward of the actual maturity date. Something to do with getting the full interest due?? Have I got this completely wrong or is there something I should know!! Mine matures next…
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Please read the small print!
Guidance for best buys for savers is all very well but I have found it is not that easy. Currently recommended ICICI but when I try to invest I can't because I have a current bank account without a cheque book. Same problem at Bradford & Bingley. Tried to invest online with Newcastle BS but can't because I use a Mac!!…
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£200,000 to save short term. Where ???
Hi, Our house is sold but we have not bought yet. So I have £200k to stash somewhere. I might need it quick if we buy another house (renting at the mo). Does anyone have any suggestions ? I suppose I need a good rate and instant ~ couple weeks access. I have read the savings thing on here about splitting £35k into numerous…
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S&S ISA examples for newbie
I've had cash ISAs for a few years now & reckon that it's time for me to start investing in some shares etc for the long term (basically to boost my pensions)..... ...but despite reading quite a bit on these forums etc, I'm still struggling to get a grip on how the sums work on a S&S ISA. I'm looking to put in about £250 a…
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Was going to go with Newcastle B/S but
see the rate is dropping nearer the end of the month for their netsaver. Think it was or is currently 6.43% gross (yearly) Any other suggestions please? approx £25k to go somewhere (after Isa allowance used up)- also sufggestions for best rate there too! Will we get better interest leaving £25k in one account or spreading…
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HSBC reduce saving rates
It never took HSBC long. When the rates go up they are not so quick to pass that interest on. It normally takes them about 6 weeks. Message: Last month the Bank of England reduced the Base Rate by 0.25% to 5.50%. Following this, we have changed the rate of interest you earn on your Online Saver account from 5.75% AER to…
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Residential Care
Who can give me infromation on 'financing' residential care without swallowing up savings/selling house?
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Save for Tax return
Hi everyone I'm looking for some advice on saving for my Tax return. I would like to save upto £200 - £300 every week, withdraw it twice a year, may be I will have to open 2 accounts to pay my Tax twice a year, so I can give notice on each once each year. Any ideas? Thanks everyone
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£55,000 to invest for 1 year
Hi, I have around £55,000 to invest but only for about 1 year. I wont need access to the money for the year and am wondering where the best place to put it would be. I already have an ISA for this year. I have just seen the A&L Fixed Rate Bond at 7% which looks pretty good. Are there any other good offers about at the…
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Alliance And Leicester 7% 1 year fix
So 1 Year Fixes are still rising :cool: min 1000.00 http://www.moneyfacts.co.uk/savings/bestbuys/fixed-rate-savings-accounts.aspx http://www.alliance-leicester.co.uk/savings/index.asp?page=frb&ct=calcresults they looking for new money only, we all know why ;) "*No Alliance & Leicester cheques or internal transfers allowed"
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Share price history
Does anyone know if there is anywhere on the wonderweb that can give me details of the past price of a particular share. Specifically, I'm after the M&S share price for around the beginning of January 2008. Thanks in advance.
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ICE Save go ISA with Monthly Interest at 5.94%
http://www.krbs.co.uk/directisa.aspx http://www.icesave.co.uk/easy-access-isa.html Thet both look quite good? Any advice which one? Have to admit, the two things i like about the ICE save ISA, is that you can manage it online, rather than snail mail? Also the interest is paid monthly which is quite novel!
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Best broker to sell some shares simply & cheaply
Hi, I have some shares to sell. <£2K worth spread across 3 companies. I have share certificates for them. Can anyone recommend a cheap service for doing so? I.e. over the counter in a bank? (I'm sure Natwest used to do that) unless that's prohibitively expensive. I don't mind signing up to a cheap broker otherwise (I did…
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How does mother invest £50000 for best return?
Hi My mother in law has invested £50000 in a coop savings bond fund after they advised her it would give her big returns. She is tied in for 5 years and her return after 1 year was £600. Obviously she is distraught and has wrote to the ombudsman as she believes she was told untrue information. Her £50000 was in a different…
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Linking Tesco Savings account to current a/c
Hi, I have a Tesco Savings account. I've just tried to link it to my Natwest bank account (by adding myself as a new payee). During the process it asked for my sort code & account number, but that's all. At no stage did it ask for any way of identifying the bank, i.e. bank name, IBAN or whatever. Is that correct, that all…
