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Banks that round balances
Just a note (or reminder) that Nationwide BS only pays interest on balances rounded to whole pounds (can't find where I read it now, isn't that annoying?) Small though the effect is, it is good practice to systematically round balances on one's accounts whenever practical - I've been doing this for years since discovering…
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Where to put monthly savings please help!
I am completely confused as to where to start with savings accounts. We currently have £400 and will be saving £400 per month no intention of withdrawing but would like the option. Thought about an ISA but dont think we can get this as a joint account am i right in thinking this? Its not that important but should we just…
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Which is better?
8% Regular Saver, 7% Tax Free Regular ISA, or 6% Tax Free Normal ISA? I opened a reg saver with FD for £250pm and now they've brought out a reg ISA saver at 7% and just worked out if it would be better stopping the reg saver and moving it into the reg ISA saver, or keeping the reg saver open and just opening a normal ISA.…
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Confused by clerk please explain - someone!
THIS IS A CASH ISA QUESTION ONLY - NOT STOCKSHARES thankyou I have a Natwest cash isa that ran last year at 5.5% that ended up with £3009 in by April. I've looked at this site and gone with the recommendation to move this to Alliance and Leicester for the 6.25% isa. On going into the AnL the young clerk told me; My £3009…
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Bonds that mature-Auntie to be in need of advice
I'm totally new at this so be kind :confused: I'm going to be an auntie for the first time in about a month and want to put some money aside for my new neice/nephew. I've heard about Bonds (I think)that I could set to mature when the child is 18 or 21 years old, giving him/her a lump som at quite a good age. i.e just…
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MSN Virtual Trader Help & Advice
I have recently signed up to MSN's virtual trader with aim to gain knowledge on how the markets work and how investments are traded etc. I invested in a company that had a rise that day of around 13.6%, i invested 8.30am tht morning and the fee was £15 + 0.5% stamp duty. However as soon as i put my £5000 in it shows a loss…
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Savings account suggestion?
Hi, this isn't usually the area I lurk in, so apologies, but I just wanted some suggestions. Me and my partner are saving for a holiday next year, but we need to find an account. Personally, I thought him opening a ISA would be better (unless you can have 2 ISAs in different banks, different tax years, then if so, i'll…
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which way is the euro exchange rate going
Can anyone here make a guess which way the euro exchange rate is going over the next three months or so ! Should I purchase a chunk soon for use in six months time ! What are the opions....
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6.45 % One Year Fixed Rates From "Homegrown Providers"
Choice of two. :beer: Birmingham Midshires 1.00 + 6.45% Newcastle BS 5000.00 + 6.44% A.E.R http://www.moneyfacts.co.uk/savings/bestbuys/short-term-fixed-rate-bonds.aspx
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£3000 to invest> complete noob
hi, i've been saving for quite some time now and have finally reached £3000. however, this money is currently just sitting around, doing vey little and slowly getting spent. i want to see it GROW! what's the best thing to do with it? i know absoloutely nothing about finance so please explain things for me. i don't mind…
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Net tightens on the Iceland Rumour-Mongers
From the FT ....Full-blown investigation by Iceland’s Financial Supervisory Authority into an alleged speculative attack by hedge funds on Iceland’s currency, banking system and stock market. Jonas Jonsson, director-general of Iceland’s FSA, says the authorities are “searching whether some parties have systematically been…
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Best business savings accounts?
It seems a lot of the board discussions are (understandably) about personal savings accounts. What about business accounts? Is there a resource somewhere on here or elsewhere where I can work out which business savings accounts offer the best rates? Thanks. :)
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Putting a block on mail from banks/building societies
Hello, I have a question, i was in conversation with a friend tonight, we were talking about all the [EMAIL="!!!!"]!!!![/EMAIL] the banks and building societies send you, and how it could go missing in the post, or be sent to your old address; so discussed the security issues etc, identity theft. By this i mean would it…
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Abbey Esaver direct problem
I have an esaver direct account with Abbey and the internet banking isn't working. I can log on but the site says it is unavailable and please try later. This has been the same for 4 days! I went to an ATM tonight and I can't transfer through that either so I now have an account that I cannot access and I want to transfer…
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ISINs
Please help me understand investments which have the same name but appear in a number of different versions with unique ISINs. For example, the investment AXA WF Optimal Income appears as ISIN Code Share A EUR: C: LU0179866438 D: LU0179866354 ISIN Code Share E EUR: C: LU0184634821 ISIN Code Share F EUR: C: LU0179866867 D:…
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National Savings Childrens Bonus Bond
Hi all I was thinking of buying a lump sum of Children's Bonus Bonds as a longish term investment but the interest rate seems really low - 3.4%. "Issue 28 For the first 5 years each £25 unit earns 1.90% pa compound. On the 5th anniversary of purchase it earns a bonus of £2.09 (8.36% of purchase price)." Can anyone suggest…
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Invesco Perpetual UK growth
Ok, a bit of an embarrassing story but with a happy ending. In June of last year I opened H&L Vantage ISA with stock in Invesco Perpetual UK growth..... or so I thought. I hadn't kept track of its performance because its a long term investment but as I'm considering adding funds from my 2008 ISA allowance, I decided to…
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Another compound interest question sorry!
Hello all, Right, we have 24,000 in B & B acct at 6.1%. 1st month paid £71 odd then this month has paid £97odd. I understand its due to compund interest but what I wanted to know is can I work out approximately how much we will have in 1 years time if we leave the £24,000 & the interest gained in? Thankins,
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Losses through share dealing, are they tax deductable?
Hi guys, I have been dealing in shares using CFDs, and I know that any profits made over a certain amount are subject to tax. I have also been told that any losses made means that you can end up offsetting against the tax you pay on your normal income? Is this true? During the tax year 07-08 I have made a (large) net loss…
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Changing how interest is paid
My wife has a 2 year fixed rate bond with Capital One which matures in August 2009. It was set up to have the interest paid monthly but she would now like to change to yearly interest for the second year, would this be possible.? If not she will have to close the bond in August this year and this will lead to a 90 day loss…
