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Current Best Instant Access Savings Account
Hi There Hoping some of you shrewd money saving experts out there can help me. I want to open up an Instant Access Savings account with the following (if possible): - A cashcard where I can withdraw money at anytime, from any cash machine and without any notice - The best possible gross rate of interest - An account where…
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Positive Solutions IFAs - Any Experience?
My girlfriend and I are thinking of speaking with an IFA for tax, pension and investment advice. She's been given a name at Positive Solutions by one of her work colleagues. I can only see 1 reference to them on this forum, and that's back in 2006. Does anyone have any experience of them? Many thanks
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mm02
Are "mm02" shares obsolete? I believe they were superseded by "02"? Is that correct? Thanks: Tonome
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Hargreaves Lansdown or Fidelity SIPP?
What are your views on the pros & cons of HL versus Fidelity's SIPP? If I've understood correctly here are my initial findings: I'm referring to funds only to avoid annual charges. Annual charge for SIPP: HL none, Fidelity none if open before late April. Initial charge for funds: HL usually zero but not always, Fid zero…
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Index Linked Certificates
I've never invested in NS&I certificates before & hope someone can advise on the following. I know that know that new certificates are issued on a certain date but it looks like you can actually buy them at any time. Is there any advantage (or disadvantage) in the timing of buying? (I assume that the maturity date is…
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BIG Lottery Winnings (NOT MINE!!!)
Just wondered how some of these lottery winners (in the £millions) would be advised on investing their good fortune! Wish I had that problem :sad: Tonome
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Gold Crown
If it costs about £600 for a private dentist to fit a gold crown these days, with the soaring price of gold, how much do you think it will cost in 10 years time ? Also if you ever have a tooth with a gold crown extracted is it worth getting the gold recovered for its asset value ?
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Barclays Meeting with Customer advisor
Ive been asked to pop into bank on wednesday to see the customer advisor. She says that my money isnt earning enough intrest in the account its in. Its in a old savings account. I have about £8000 in at the moment and prob save about £900 a month from my wages. I Like access to it all the time i take a little out each week…
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Best way to save £12k?
Hi, A member of my family has £12,000.00 in several accounts at the moment and she wants to get the best possible saving rate. What would be the best way to go about this? Currently, she's filled one ISA and was going to start another in April. Both of these offer approx. 5% but as she can't have any more ISAs what would…
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Factors opening a Principality BS account
Hi I am considering opening a instant saver account with PBS. But the factors I am weighing are: Plus: 6.3% interest rate internet access Money protected by compensation scheme Minus: What kind of trouble are PBS in if they need to offer 6.3%? They send the date to be processed abroad (which could be how they afford the…
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NS&I index linked
Hello How does one (sound posh - but I'm not!) work out the effective rate for NS&I index linked savings. The website says 1.35% + index linking for either 3 years or 5 years. Can anyone explain how the effective rates are calculated? I've seen articles that say it is between 6 and 9% depending upon your tax situation.…
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Lots of accounts and i'm confused!
Hi I have; A current account (in overdraft for the last 10-15 days of the month) A savings account which I save in monthly which pays my yearly bills(this tends to get to about £1000 before I empty it to pay them) A savings account which i pay into monthly and use as a bills account (emptied monthly) A savings account into…
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Worth keeping ~£10 in old building society acc?
Hi all I have just under £10 in an old young savers account with the Principality Buikding Society. It's not doing anything there, earns bout 4p a year in interest! I was going to cash it in but my Dad reckons i should keep it because if they were ever to become a bank then I might get shares? Does anyone think this is…
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Isas in different places ?? A problem?
Hi..we are due to put some money into isas after.April..We have tended to "top up" existing isas even though these may not be the best interest rates.. We a concerned that after a few years we will have isas in a number of places..if anything happened to us would this present the kids with a problem tracing the…
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Kaupthing Edge - Bank statements no longer required!
Opened an account with Kaupthing Edge and just received a confirmed email message. " Welcome to Kaupthing Edge. We have made joining even easier in response to consumer feedback meaning you no longer need to send us an original bank statement for your nominated linked bank account. This new process makes applying simpler,…
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E-saver to current account interest
Hello I have 2000 a month going into a current account with a Nationwide There is a e-saver linked to this account at Nationwide If I transfer say 1000 from e-saver to current account and then direct debit it from Nationwide to another Building Society - do Nationwide look upon that 1000 as coming from within Nationwide…
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Cash ISAs? Do me a favour, only for high rate tax payers
Can I just end this cash ISA addiction right here once and for all... By putting £3000 in a top-paying cash ISA rather than a top paying standard savings account, your gain amounts to: £116 / year for a higher rate tax payer £30 / year for basic rate tax payers. (This is based on 6.55% with West Brom Star account, and…
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Saving for house deposit, best way to do it
Hello all, my first post on the board! I am a discharged bankrupt and have just opened my first account since being discharged in june 2007. It is a natwest step. I am under no restrictions with regards to my bankruptcy. I am able to save a minimum of £1500 per month but the figure I have in mind is 2k. So the question is…
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please tell me how much these shares are worth
170k worth of Irish Independent shares 10 years ago would be worth today. Roughly even, I haven't a clue how to find out...trying to keep my elderly aunt OUT of a nursing home she doesn't want to go into. Her share (one fifth) of them could pay for nursing care at home. They have been lying in a solicitors office, no tax…
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Help Please
I am looking to Invest £3000 in a fixed rate bond for a year. But I am unsure which one to use. Bradford & Bingley offer one at a rate of 6.2% which looks ideal, but ICESAVE offers a real competitive rate of 6.73% but Im concerned as their seems to be real mixed reviews. Can anyone help? or advise me? Many Thanks Andy
