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How does last tax year's ISA relate to this year's
Hi everybody, I opened a cash mini ISA at HSBC and put in £3000 in January 2008. I haven't touched anything except transfered another £200 to this account 1 week ago. I recently noticed there is a new product at HSBC called e-ISA that has a better rate. So I am wondering 1.the maximum amount I could invest in this new…
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National Counties BS 6.26%
This doesn't get much of a mention on this site... any reason, seems to be one of the highest paying isa's at the mo and I'm thinking of opening one here. Any thoughts / better ideas thankyou
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Halifax High Interest, ISA, Websaver Money Distribution
Hey guys Would love some thoughts on money distribution to make the most of your money. Currently I have 1 ISA with Halifax, and the rest of my money under £10k distributed pretty equally in a main Halifax account, a high interest Halifax account (which I'm supposed to put in £1k a month minimum - but surely I can just…
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Chelsea Building Society
Does anyone know if Chelsea is a separate financial institution or part of group? It isn't shown in list on Martin Lewis' site so I'm not sure if the £35000 limit would apply if they went bust. Thanks
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Nationwide BS FlexiAcccount from 1 August 2008
http://www.mirror.co.uk/news/money/city/2008/05/10/nationwide-fees-move-set-to-spark-fury-89520-20413204/ Nationwide fees move set to spark fury 10/05/2008 Millions of Nationwide customers have been shortchanged by a shake-up of its current accounts.The UK's biggest building society says it's putting up overdraft charges…
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Childrens accounts - can they be exploited?
i'm probably on dangerous ground here and i appreciate it's not ethically right. i wondered if i can open an account (i'm interested in the halifax children regualr saver @10%) for my own benefit?:confused:
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To all the maths gurus. I need your help.
Currently I own a index tracker unit trust, into which I pay £50 a month. I haven't got the exact figures to hand so I will examples. What I intend to do is this:- I currently have 2500 units at a price of 150p worth £3750. But I have only invested £3300 of my own money meaning I have made a 13.6% profit. Correct? I intend…
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Tax Free Friendly Societies - Savings/Investment accounts
In addition to an ISA which Martin advises us that we should all have to utilise our tax free savings and/or investment entitlement, I understand that we are also entitled to a “Friendly Society” savings or investment account. I understand that this allows £25 per month for at least 10 years (some allow longer) to be…
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Help! What to do with £13k? Advice please.
I am 42 and have £13k in premium bonds which are currently giving a poor return, I have a £58k mortgage with 20yrs to run against our home valued iro £150k and I have plans to move/travel so need the access to the money when the youngest has finished education in about 5-8yrs time (depends on chosen career path).…
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Advice Appreciated re Investing for New Grandson
Rather than give grandson aged 2yrs 5months pocket money, I would like to invest about £10 per month for him. I can open an account with a couple of hundred pound for him (back pocket money!), and then the £10 per month. Can anyone advise any investments? Don't mind stocks and shares (medium risk), as it's over the long…
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Axa Sunlife
I have been having a general clean up of all my finances of late via this wondeful website. I came across a thread entitled AXA Sunlife and having a policy myself read with interest... Well, im glad i did. I stated this policy in April 2002 at £20 a month increasing to £24 in year 2, £28 in year 3, £32 in year 4, £36 in…
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Halifax fixed websaver con
I've got a Halfax variable websaver and my fixed one has just expired. Both are joint accounts. I've tried and tried to get another fixed websaver account, but Halifax, although advertising that these can be joint accounts, have for weeks told me only an account in a sole name is possible. Is this misrepresentation??…
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Martins Joned the scare-mongers camp
Just watching Martin on itv at the moment. He's allowed himself to join the scare-mongers camp on the safety of bank accounts.
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Edward Jones, a good way of becoming an IFA?
Hi, I've posted on here before and have had some excellent feedback and answers so I thought I’d post here again. I'm thinking of becoming a financial advisor or mortgage advisor, with the long term aim of becoming an IFA. I'm unqualified at the moment and struggle to find jobs that take on unqualified people. So I was…
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Possible silly questions re: Investments and risk
Hi All, Sorry if this is ignorant, but I'm wondering about the 'risk' aspect of investing and have read that the younger you are the more you can afford to take a risk with your investment as long as it's for long term and that drip feeding is better than one lump sum. I've looked at various options of spreading the…
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investment in USD - suggestions??
hi all, I have a term deposit account in USD (cUSD28K) which matures in mid-June. At the moment is paying just over 5%/year. I believe the new interest rate will be really low as the current FED rate @ 2%. Does anyone know any good investment in USD? would appreciate comments
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Is this a silly question .. Do investors do this??
Hi everyone, Ive got this question knocking around my head, and hope somebody might be able to cast some light on it for me ... In laymans terms pleeeeeeeeeeeassse ! :rotfl: Are there investors who might constantly buy and sell stocks and shares to provide a boost to their income?
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Should I pay or go?
I'm soon to recieve £14880. I owe £13200 on a car loan that has 4.5 years left to run of a 5 year term. I pay £266 per month for this. I believe the rate in 5.44% APR. Q I have, should I pay this off? Q Should I do something else? (spending it is not an option) Comments please W;)
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5.2% NS&I ISA or 6.50% KaupthingEdge?
hiya, quick question please. what's better for my £3000? don't touch last year's isa money in ns&i @ 5.2% or withdraw it and put it into my 6.5% kaupthingedge savings account? i'm normally pretty good on money stuff but i just don't know how much "take-home" money i'll get after tax has gone out of my kaupthing account.…
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Egg - delayed transfer problem
I often make traansfers from my Egg savings account. Their system normally works like clockwork: any funds sent before 6pm will arrive 2 working days later*. The amount is debited immediately from the savings account. During the past 2 weeks, however, they have been experiencing problems: Last week on Tuesday, I made a…
