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Financial Advisor
Hi, I have some money currently in an isa and a savings account. I went to my bank to ask if there was a charge for transfering money out of my isa, and ended up with an appointment for a financial advisor meeting, having been assured that he would be able to offer me products that are not on the website. Since making the…
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Chelsea B/S Fixed Rate Changes in Terms and Conditions
Hi, As the title suggests, can anyone shed any light on how the changes affect the accounts? I ask because i do not have the old terms and conditions, so cannot compare the changes and how they affect us all? I opened an account in Jan 2008 (Interest Rate 6.9%), but this morning i have recieved a letter and a small…
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Which ISA year 08 / 09
Ok folks Which is the best mini cash ISA £3600 for the year 08/09? Many thanks
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Which is better? Monthly or Yearly Interest?
Hello, Been struggling with this one folks. Would appreciate some help. With interest calculated daily, does it matter if the account pays monthly or yearly interest? Would the total amount at the end of the term (eg one year) be different? To me, it appears that it would be less with annual interest because if paid…
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Savings with a cashpoint card?
Is there such a thing as a Savings account where you can get money out with a cashpoint card - or does that defeat the object of it being a "Savings account" But if there is.... where?
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NS &I ISA rate?
Well I am confused TBH, I thought that the interest rate on the NS&I Direct ISA was 5.80% in fact this morning I have just invested this years £3600 in to my ISA account with them, now I notice on the NS&I site that the rate is listed at 5.55% ? I have checked on this is money website and they still list the NS&I rate as…
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Save in the US or here?
My wife has $50000 in a savings bank in the US. We are now both living in the UK. She has joint US / British citizenship and has been living here almost 2 years now. Her money is in an account where if the balance is over $50000, the interest is 4% (calculated daily). If this drops below $50000, the interest is 2%. Given…
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HSBC loses customer data
The HSBC banking group has admitted losing a computer disc with the details of 370,000 customers. The disc was lost four weeks ago after being sent by courier from the bank's offices in Southampton. The customers' details included their names, dates of birth, and their levels of life insurance cover. However, there are no…
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any help with this !!!! up
a year ago iwent to lloyds tsb to put my pension lump sum money into higher interest savings or investment well i asked "adviser" about back to back cash isas but he never even bothered to reply and his understudy said no you dont want them he then carried on with about how good scottish widows was and to put money into…
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Where is the best place to open a Savings account with £2,000-£3,000 ??
This is following on from my post on this thread about my having over £35,000 in accounts with the same building society. I want to transfer between £2,000 and £3,000 to another bank so that I don't have more than £35K with the Halifax. I'm not interested in ISAs, just want a good, high interest savings account, preferably…
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Financial Advisors
I have come to the conclusion after some amount of study that I don't understand stock or commodity markets and may not understand them better with more study. I have limited faith in financial advisors except, to a degree, one (tied to Nationwide) who advised investment of only a fraction (12%) in his products of the…
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Yachtsman
I live and work on yacht, and spend my life traveling around the world. As a diligent British resident, I submitted my P85 to the IR and declared myself as non-resident, not ordinarily resident such that my income may be brought into the UK tax free. However, with this tax status, am I still eligible to open and save…
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Bradford and Bingley Regular Saver
Have I imagined this or do Bradford and Bingley have a new regular saver coming out soon? I've spent ages searching for it on this forum but can't find any threads on it. Guess I could have imagined it! Looking for a new regular saver now that HSBC has pulled it's 8% one...
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does if affect credit rating if you shut down accounts?
sorry if i have posted this on the wrong board but i want to close down a monthly saver account with LTSB because the interest rate has now changed and is rubbish, i want to stick any spare cash i have into my ISA, i was wondering if it does affect any credit rating??
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ISA for 2007/8 with Barclays
Hi everyone, I have a Mini ISA with Barclays for 2007/08 and now need the money to pay for my holiday, but want to continue saving with the Mini ISA with Barclays for 2008/09. How do I get the existing money out and how do I start a new one? Do I have to re-apply for the barclay mini ISA for 2008/09? Or does it…
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Best way to invest 5k outside of an ISA?
Hi, I'm new in here and looking for a bit of advice on investing. I've been putting my full ISA allowance into an ISA account for the last 3 years or so, and the rest of my savings has been going into an HSBC online saver account. I'm thinking that i'd like to keep what i have in an ISA account as a 'rainy day' fund, but…
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Saving/Investing Money in Northern Cyprus 19% interest
My father has been given some information about investing money into Credit West Bank Northern Cyprus. He has a friend doing this and it looks to be 19% a year compound interest with 8% tax due on this interest. The type of account is an YTL High Interest Savings account – There is also another bank offering 18.5%…
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investment ideas?
Hello I am currently saving £200 a week into a E-saver account with Natwest 4.55% AER In that particular account i Have about £6k (Ive used up my ISA allowance for 2008/09 and last tax year. already) I am wondering if people can recommend anywhere a bit more risk I can invest say £1000 of this money plus say £50 a week out…
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What's the best way for a student to save?
Hi, I am trying to find the best way to save £10,000 over the next 12 months. The person who I am trying to help is currently a student and will be for the full period so I was wondering if there are any ways to maximise the tax-free savings or would she still need to open an ISA? I've been looking at the article for…
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Instant Clearing
I heard a while back that the big five UK banks were developing a new system that means monies being paid from account would arrive in the other account within hours. I'm sure I heard that it would be happening early 2008 does anyone know if this is still on the horizon.
