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Saving v mortgage overpayments Calculator help
ok I have confused myself so seeking help. I am wondering what is best option as currently have mortgage at BOE + 0.23% so lets say 5.23% for £42000 when I use the saving v mortgage calculator on this site: http://www.moneysavingexpert.com/mortgages/mortgages-vs-savings#calculator It equates to a saving rate of 6.5% I am…
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Telephone banking Complaint - please advise
Hi there ....First post, please be gentle! Abbey telephone banking: Do you know if telephone banking has a service level guarentee with its customers? I phoned up late in the evening to put through a BACS transfer, I was told the system was down, and it couldn't be setup that evening:mad: , and to phone back the next day.…
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Money held in a Discretionary Trust - what are good ways of investing these assets?
I am 1 of 3 trustees of a discretionary trust which holds only cash. After great difficulty we eventually managed to get a current account, and now are trying to take our legal duties as trustees seriously and make good investments. However most banks and building societies do not accept investment from a discretionary…
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Interest Rates
Why are they all better in Moneyfacts than on moneysupermarket.com???
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Potentially stupid question
I opened a cash ISA in January and it isn't full, now it is a new tax year what happens? Can I still put money in it? or do i have to get a new one for this tax year? I just don't understand :-( Any help would be appreciated lots and lots
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Which Unit Trust?
Hi all, Just after some opinions.... If you were to invest a small monthly amount eg, £20-30 per month into a unit trust, which one would you go for? Thanks
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If i move from Abbey national..
to Natwest and open a bank account how long is it before i can get another overdraft with them? I have been with Abbey for years and never seem to have the time to change over, i have just had a letter offering me a high overdraft to which i may poss take but not all..this is for the short term then i will move once we are…
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Who knows anything about "Forfaiting"
I have received some information from friends suggesting that I might like to join an investment consortium raising a large amount of money to invest in this opportunity;- CAPITAL ACCUMULATION BY MEANS OF BANK DEBENTURE TRADING (FORFAITING) PROGRAMS, (Reference ICC No, 500 revised 1995) The returns are high and as far as I…
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Best Regular Savings Account
We have been paying in £1000 a month to the Monmouthshire BS Saver Plus regular savings account from spare income (lucky us) so we can pay off our mortgage early. The account is in my wife's name (she has no income of her own so we don't pay tax on the interest). It is coming to the end of the first 12 months when we can…
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Help - need an investment account?
Hi, I need an account to invest in. I am due to be paid £31,000 for voluntary redundancy and around £15,000 I am using to refurbish my house and pay off some small debts. :D The rest I want to invest and leave alone entirely.:o But I would like some access to it via cashcard and to get statements sent to me or available…
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Kaupthing Edge Fixed Rate Account
Hi. I wondered if someone could confirm my understanding of KE T&Cs for the fixed rate account. I read it that you can take you money out at anytime with interest paid up to the day of closure, and the only penalty seems to be that you do have to completely close it and remove all funds. Seems a bit "too" fair to me so I…
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Which UK index to track?
Hi people, I'm starting up a pension (30+ yrs to run), and am considering investing about 50% of my regular contributions into UK stocks via an index tracking fund. My other contributions will go into US/Jap/Emerging, plus cash and bonds. My question, is basically which UK index should I track - FTSE 100, 250 or All UK. Is…
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First Direct Regular Saver Isa - Fixed 7% Aer
http://www.firstdirect.com/savings/r...overview.shtml Seems pretty good, especially if you haven't got a lump sum to put into an ISA...............but can anyone find a better deal?
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£100,000 to save where?????
I have just sold my house (subject to contract) and will have the above amount to put into some sort of saving scheme. I want it to be risk free but receive maximum return. Will be emigrating abroad in 1/2 years so no longer than this period to save. Any idea's what i should do with it..........apart from give it away ;)…
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Best home for our released equity
We've just exchanged contracts on our house and will be renting for a few months (maybe longer) to see what happens with the housing market. Where's best for our £70,000 for the next few months. I don't want to be locked in for any period in case we find somewhere to buy.
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bank account for kids?
hi folks i'm looking for a recommendation re a bank account for children. my father-in-law has gifted my 1 year old daughter £300 to open a bank account with. any suggestions welcome. ty
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Advice Required
Hi You lot long time lurker first time poster! Im wondering if any of you could lend a helping hand. I have filled up my quota of ISA investment this year and still have some money left over. I have a decent Job (looking to continue it by following the next stage abroad) so hopefully will continue to save money. However Im…
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Are Standard Life Shares still worth holding?
I put my freebie shares into my ISA last year but wonder whether they're still worth hanging onto? I've just read they're planning a big advertising programme in Canada but am unsure whether they're still worth a long term hold? Any thoughts from other SL holders? I know they've taken a hit recently but don't know how much…
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ISA Help
I applied for and have been accepted for the A&L 6.25% ISA last week, but just today I have seen First Direct are offering a 7% regular saver ISA which would be better for me, what can I do, is it ok to not use the A&L one and set a newe one up with First Direct. I also applied for the A&L ISA through Pigsback so assume…
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my KAUPTHING EDGE PROBLEMS
Is it just me, or are there others having massive problems with their Kauping Edge applications ? I applied around 10th March !!, on 11th of March they sent me this email Date: Tue, 11 Mar 2008 06:47:22 +0000 From: [EMAIL="noreply@kaupthing-edge.co.uk"]noreply@kaupthing-edge.co.uk[/EMAIL] Subject: Your Kaupthing Edge…
