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Is Bradford & Bingley safe?
I have read that Bradford & Bingley have 40% to 50% of their mortgages in the buy to let market. With UK house prices now going South, and house prices in the US already having fallen by up to 50%, is B&B a safe place to have your savings? Could they be the next NR? I hear that B&B is having to pay higher LIBOR rates to…
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NS&I Index-Linked Savings Certificates
The new 'online calculator' for the Index-Linked Savings Certificates is updated this morning http://www.nsandi.com/products/ilsc/calculator.jsp. But can anyone suggest any reason why the valuations should be lower than the last edition of the calculator, which was as at 15 January, when the RPI has just turned upwards and…
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Unit Trusts. General Advice
Long story short - heavily in debt, then debt free, then saved like bu*gery to get to about £10,000 in ISA's and savings. I'd like to start thinking about something with a slightly higher risk and possible rate of return, with long term growth in mind. Filling up our ISA's and having that guaranteed chunk of cash will…
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B&B hit by sub-prime losses
Lender Bradford & Bingley (B&B) has reported a sharp fall in profits after cutting the value of risky assets following the recent market turmoil. B&B's shares tumbled in London on the news, sliding 12% to 214.5 pence. Here's a link to the story: http://news.bbc.co.uk/1/hi/business/7242205.stm
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Best instant access savings atm?
Hello, I'm MSE regular but new to this board. I've read the relevant stickies, and ran a search but still unsure. I've just become self employed and am looking for an instant access savings a/c. I've an initial deposit of £1k, will probably be depositing about 1K a month. I've maxed out my ISA for this year and was about…
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Views on my portfolio
I am a newbie investor and want to put away about £4000 (his money from grandparent gifts) this year for my 14 year old son. This would be for at least 10 years and I may add to it. As this is long term I could tolerate 20% losses without worry or wanting to pull out. My son also has about £3000 as 'cash' for shorter term…
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Egg Savings down to 5.00%
Erm... cheers Egg - a quarter point decrease and you decrease rates by half a point. Shaft your credit card holders, then shaft your savers. Nice move.
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What does Carpetbagging mean?
As title! I have no idea and google does not seem to be much help. Thanks in advance
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Bradford & Bingley - Exciting News?
Hi, On Friday morning (8/02) I had a telephone call from someone, saying he represented B&B. He went on to say, that the Annual Accounts Report had been prepared and was on its way to me, but as it had been printed it omitted some exciting news which would be released via the media next week!!!. He had all my details(name…
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Bradford and Bingley - ASDA
Hi If I have 35k with Bradford and Bingley and a further amount with ASDA which is B&B really, am I protected for the additional amount with ASDA. In other words do they each protect my funds to 35k i.e 70k total. Cheers
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Setting up wedding savings accounts
(Mods, if I have put this in the wrong forum please move - I wasn't too sure!) My fianc! and I get married this September and for the past year we have had a regular internet savings account at Lloyds TSB which had 8% interest for the first year, paid annually. We've received that interest, and now we want to move the…
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Have you reclaimed old bank accounts/savings/investments? Success Stories wanted!
Hi This is the forum to let us know if you've Reclaimed Lost Cash - this can be in bank accounts, premium bonds, pensions or investments. Let us know about any successes you've had in doing this, and please include how much you got back, what sort of financial product it was, which methods you used to reclaim it (My Lost…
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norwich union with profits guaranteed
has anyone had any experience of or considering Norwich Union with profits guaranteed bond?
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Help Required With HiSAVE Interest Calculation
At the beginning of January 2008, my HiSAVE account balance was £7,922.66 The interest credits and tax debits I received were as follows:- Interest Credit on 31/01/08: £17.63 Tax Debit on 31/01/08: £3.52 Interest Credit on 04/02/08: £5.39 Tax Debit on 04/02/08: £1.08 Total Interest Credited for January: £23.02 Total Tax…
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Bradford and Bingley, will the rate drop?
Bradford and Bingley seem to be pretty good at dropping their rates when the base rate goes down, so I am assuming that we will see some kind of drop, soonish. Does this mean that they are likely to launch yet another issue of the internet saver? It seems that when the rate drops that is their cue to launch something…
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To merge Isa's or not
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CarpetBagging- The best accounts to open at each Building Society
Hi, Following on from carpetbagging I'm wondering which are the best accounts to open at the leading building societies. I'm going to open an easy access account at kent reliance building society. I'm also looking at the Derbyshire bs but am not sure if regular savers (do you have to regularly save every month) are the…
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Halifax Current Account OVERDRAWN
Hi, Can anyone tell me how much halifax charge for being overdrawn on their normal current account?
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Am i missing something with ISA,s
I dont understand how they are tax free for a basic rate tax payer. As when you take your money out you pay tax. As Martin says when you move from ISA to ISA never take your money out, but do a transfer. Could some explain how you get the money out when you need the cash without paying income tax. Thanks in Advance.
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Bonds Fund Accumulation Units advice please
Every now and then I think I have grasped the basics and then doubt creeps in. Can I ask a most basic question? If I had purchased £1000 (1000 x 100p) of accumulation units in a Corporate Bond fund this time last year and the 1yr return on the Morningstar performance listings shows as -2.00% then what financial return…
