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Is this IFA charge excessive?
I have been with an IFA for about a year paying a monthly fee. During this time we have done the usual end of year tax arrangements and tidied up a number of insurance and inheritance tax issues. However we have now come to the big one. My savings are a hodge podge of PEPs, ISAs individual shares and inherited cash, and…
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2nd best bank account?
Hi everyone, I have looked at the best bank accounts page and Martin recomends First Direct for the £100 bonus, but my wife and me already have our joint account with them - so I won't get the bonus. What is the 2nd best account to go for? Thanks, G Oooppps, I've put this in the wrong section, could a mod move it please?
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best share magazine
ive recently been subscribing to money week for general market news and some tips. ive found it very useful and often find myself referring back to them. lot of opinions from different people. whilst its a general money magazine most of it is geared up to shares and the like. im paying £14 every 13 issues which works out…
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100% of ALL deposits to be guaranteed now?
This City AM article seems to be suggesting so: http://88.208.249.143/index.php?news=8108 In a bid to get it onto the statue books by the end of the week, the Banking (Special Provisions) Bill — announced to Parliament by chancellor of the Exchequer Alistair Darling yesterday — will protect all banks against collapse, a…
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saving while abroad
Hi I'm a new member to the site! We have recently moved to Canada but have £60k savings in a current account in the uk. The interest rates are better in the uk than here at the moment so I want to keep the saving in the uk for at least 6 months until we settle. Where can I safely kept it? All the top accounts say' resident…
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Grandchildren saving
:j Is there a way of opening a saving account for grandchildren without them or their parents knowing about it??
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50k savings
have 50k savings all in one bank but in different accounts,i know £35000 is covered if the bank folds,anyone know if i would be covered seperately for each account ,or is it classed as one amount:confused: :confused:
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wanting to pay of student loan with savings??
Hello I just wondered if anyone could be of help please. I opened a savings account with icici (HiSave 6.41%) not so long ago. I was going to put £1,000 in to begin saving but i read martins piece about not bothering to save if you have debts... Then he mentioned how you can use your savings to pay your debts off but it…
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Schroder Income Maximiser Fund
Hi all..My mother if currently considering investing a large sum of nearly 7k into this fund on the advice of her bank (HSBC). She is looking to invest for income but I just wondered if anyone has got any comments about this fund based on experience/past figures and performance/customer services etc.. Personally, I am a…
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Kaupthing Edge interest rates?
Hi, I'm considering opening a saving account with KE and as a non-taxpayer would include an R85 form to claim interest at gross rate. But I noticed in the Terms and Conditions this sentence, "Net Interest will be paid unless you have registered as a non-taxpayer by properly completing and sending us the appropriate HM…
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A&L Direct Saver
Just a warning to you all, not to be as stupid as me! :D Needed a tax certificate for my Direct Saver account, didn't have one, they said it must have got lost in the post last year. They said I can go online and order another. So I did, £10, had a mumble about this £10 charge but needed it. What this has also done is…
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Putting away 2k monthly...
Hi all, Starting in the new financial year, I have 2k per month to do something with. This will be a regular amount for approx the next 18months-2years. I am not a UK taxpayer (having just moved overseas). I am interested to see what you suggest is the best saving/investment for an 18month-2year period with these monthly…
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Savings Accounts - Credit Rating
May sound like a stupid question, but I just wanted to check - does opening multiple savings accounts affect your credit rating? Was just about to put money into an Icesave account when they slashed their rate, so will look elsewhere, but just wanted to make sure it won't have a negative effect on my rating as I'll be…
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Saving for childcare costs
Strange question this but I know in the future my partner and I would like a child.Im just over the median wage,partner is under, so I'd like to prepare financially,rather than struggling to get by each month like many parents. What costs would I be looking at fo a child age 1,2,3 etc.Its hard to gauge as it depends on…
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Confused as usual
My ex has to save enough for a deposit so he can FINALLY move out so i've told him to open a savings account so he can ferret some money away. He needs something really simple to understand as after 18 years he lost the ability to think ( see women of the world, we do them no good but looking after them too well!) He'll…
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All Star Manager Portfolio
ALL STAR MANAGER PORTFOLIO THIS IS MY FIRST POST SO HELLO TO ALL. INITIALLY when I posted I put the word "ADVICE" in the title. This is perhaps the reason why I received No response. I am not looking for "advice" just an opinion of the Funds selected and porfolio allocation and risk element. I was also looking for comments…
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Silver savings
Well, the Mean Eyed Cat has celebrated her 50th birthday :T, and now is looking for a nice little place to stash away some pennies. I've heard about "silver savings" which offer a higher rate of interest. Is there a list of the different institutions that offer such accounts? Trawling through different websites hasn't…
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Where to invest £60K
Hi, just asking for your opinion on this ... my cousin has sold her house and is now renting. She has £60k to put somewhere safe, with good interest and relatively easy access for when she buys a house. She's asked me where to invest it, I don't have a clue to be honest, so I thought here was the best place to start. Any…
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Quick ICICI question...
...I have just been paid interest on my savings but I thought I was due to receive yearly interest payments. Is there any way I can switch this to receive yearly interest payments? ~Cheers
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have i done the right thing
after downsizing my property, i have a lump sum to live on, no extra cash coming in. I have put it into nationwide e savings which is internet banking only. at 5.8 per cent. the intersest is paid yearly and i have 9 months to go. but am regularly drawing on the capital to live. the interst is calculated daily. is this the…
