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CGT calculation on a loan note
I need to action my loan note following the Boots acquisition last year. I could, I suppose, decide to cash it all in (£27K or so) but am mindful of CGT. My question to you is, what value would be used to calculate the gain? They were my wife's shares obtained thru save as you earn; then we transferred them to me. Then…
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best savings plan for 1 year
Hello All, I'm an IT contractor looking to save £100k over the next 12 months as a property deposit. I would like to protect and preserve savings but at same time would like to benefit from stock market performance. I'm looking for a return of around 8-9% and so far come across 9.1% rate from Abbey. I already have stocks…
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Fitch Ratings
Hi. im looking to put a lump sum away and have been checking out the fitch ratings, can anyone tell me why the Halifax (HBOS) is AA rating but the outlook is negative? what does that mean? Also for Kap. Edge is says negative aswell.
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Savings accounts???
i need a savings account with unlimited withdrawals and contributions, that i can put in joint names. any ideas? All i seem to find is bloody ISA's! :confused:
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Best savings account for my 16 year old daughter....
My 16 year old daughter has held a childs savings account with the Halifax for many years. Now that she is 16 she can no longer have a childs account and needs to transfer her savings of £1750. Can anyone recommend the best savings account for her? Many only seem to apply to over 18's. Thanks
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Can I earn base rate plus 1% over long term?
Hi there, I am looking into a tracker mortgage at the moment and I've been trying to figure out what term and by how much I should try and over-pay. However, if I can earn more interest from savings than I pay in mortgage interest then I should really take an interest-only (or long-term repayment) mortgage and pile all my…
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OEICs/UT - Questions from a beginner
Hi, I am an investor newbie and am considering about investing in OEICs/UT (I don't fancy Its because I don't really understand them). This is because I would prefer to be a passive investor and don't mind paying charges for somebody to spend the time thinking about each share transaction. I'm still young(ish) and fancy…
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Is it a good time to go fixed rate?
Do you think it's a good time to switch to fixed rate 1 year accounts, such as 7% being offered widely on-line? Or stick with 6% instant access at the moment, in the hope in a month of two interest rates will be even higher (on fixed rate or instant access)?
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interest gross or net
Hi I had this as part of another question i posted but I thought I would post it on it own. I have been I'll for 4 years after a stroke. now I am unemployed living on my savings. I am now job hunting which is more difficult with my heath problems so i am unsure when I will get a job , maybe tomorrow maybe next year. Should…
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Markets Discussion
Guys I do some home nased trading and have funds, ISA's like most people. I'd like to find a forum to discuss the makets/economy in general, such as Oil prices, wave theory etc and im not sure if theres anywhere on ths site that suits? If so can you let me know ad if not does anyone know of a good forum I could join which…
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Faster Payments Experiences
Thought I would try and send a couple of faster payments this morning to see exactly what I would be allowed to do now the system has started to be rolled out. I was able to send up to £20 from HSBC into both Lloyds TSB and Halifax accounts. The Payments were there within seconds of hitting the send button. However trying…
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What to do with my current savings
Hi all, I have around 6K sitting in my Abbey savings account, I took this account out about 4 years ago as they were giving a good interest rate for 1 year, but now it does not seem that great so what would my best option to be to get a good return on my savings ? I may have to take it it maybe 4 months down the line or…
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£340k to invest
Iam 55 and out of work but have got £340k to invest from an offshore account. After surfing the various money websites and this excellent portal I have settled on a Prudential flexible investment 20 year plan with profits (I think that's what it's called). I plan to have the fund in joint names with my wife so that if one…
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£3000 plus £300 a month
Hiya, I am in the fortunate position of having made (or about to! fingers crossed) £3000 on myhouse sale freeing up about£300 a month i want to put into savings. have been having a look around and got a few ideas what to do with it but wondered if anyone had a good idea or where i would see the best rate of return. Would…
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Cahoot fixed rate account application problem....
...I have tried several times to open a Cahoot fixed rate six month account and it falls down after completing several pages!!...anyone else having problems with this??
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Halifax ISA Question and some more general questions!
Hi, I currently have an ISA with Halifax - I went with them initially without doing any real research, but I've realised now that the interest is pretty poor - it's only 5% and I'd much prefer to go with someone like A & L with a higher interest rate. Only problem is, I've invested £1000 already this tax year, and I think…
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Investments, Stocks and Shares
I have some money to invest and was thinking about going through the Clydesdale bank, via a company called MLC. You pick a portfolio that suits you then you invest cash. They take 4 1/2 % straight off the capital then 1.7% off any dividents that are made throughout the year. Any new capital you invest monthly or yearly…
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Premium bonds - raise limit?
Just wondering why they don't raise the limit for premium bond investment. Sounds like an easy way of bringing in money. Don't know how much an extra £5k on the limit would bring in. Or maybe it's not so easy to do that. When was the last time it was increased?
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Opening an account and unemployment.
After a long period of ill heath i find my self back as a job seeking. I receive no benefits now as i have saving. Should there be any problems opening saving account and being unemployed. is it worth the bothering about applying for gross interest when i might be in work within the month. There again i might not be. I…
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Highest paying savings accounts with faster payments?
So what's the highest paying savings account that will support a) receiving Faster Payments b) sending and receiving Faster Payments come 27 May?
