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WHO is ready to make money from equities!?
So, with this downturn kicking in, the people who currently have no equity investments or do not own a house are at a very advantaged position to start investing when investments & house prices reach their trough. Put down any ideas of investments that you think will be perfect to invest in & when you expect the prices…
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Safe with IF and Halifax?
I have an offset mortgage with Intelligent Finance currently at £45K with savings offsetting the entire amount. In the meantime, I switched my current account to Halifax for the higher interest and have subsequently taken out the Guaranteed Reward Saver (£5K) and Monthly Saver (£1K so far) as well as moving my ISAs to them…
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?? move more cash to N. Rock
Hi We have too much money in Halifax..or do we...? when will the protected savings be increased?...we already have quite a lot in N Rock...are we sensible to move cash from Halifax to N Rock ? Thanks ian
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quidco payouts
hi should i have been paid by now i have £27.02 in my account but have not been paid Your latest earnings activity £25.00 from Paddy Power received on 14/07/2008 £0.02 from Kelkoo received on 27/06/2008 £25.00 from Paddy Power validated on 12/06/2008 £25.00 from Paddy Power tracked on 03/06/2008 £0.05 from Kelkoo received…
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Best place for 16 year old's savings?
My son turned 16 in May, and his annual interest from the Nationwide Smart account is almost £100. It's possible that the taxman might tax me on the interest when it exceeds the £100. I'm thinking of suggesting to my son that he transfers his savings to an ISA, probably the Barclays Instant Access TAx Haven, which pays…
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Intelligent Finance isaver 6.4 %
Does Intelligent Finance isaver 6.4 % pay interest monthly / annually? It doesn't seem to tell you at their site, or not obviously.
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First time investment in stocks and shares - advice required
Hi there, A close relative of mine has an account with the Halifax. She was invited for a personal finance review and took me along as her English is not that good. It transpired that the money she has been saving has only been attracting a rate of 1.6%! At the moment she has in the region of £45k saved up. She does not…
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One savings account or two?
Hello I am working hard to clear my debt at the moment and starting to think about saving for the future and I wondered if you could help me with some dilemas I have. Ideally I would like two accounts, one for long term savings and one for nice things like decorating/holidays etc. However with the small amount of money I…
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Premium Bonds vs Savings a/c + lottery
Calling all the experts out there. I like an investment that has the possiblity of winning a million, but I know premium bonds give a lousy average return. Am I better investing my £5k in premium bonds or putting it in a high rate savings account and using some of the interest to purchase lottery tickets? This is my first…
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Abbey - "Known problem" - payment of interest to external accounts
I daren't search on "Abbey" on the forum - too many threads I'm sure - but have booked back through to about 2 August on this board. Apologies if this has been mentioned elsewhere. It seems that people with "bonds" with Abbey may not have received their monthly interest this month (or annual if due). The computer seems to…
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Kaupthing Edge - sole accounts only
I was just about to open a savings a/c with KE when I noticed that they didn't do joint accounts. Is this usual - I want to deposit joint savings into their fixed rate bond so now I will have to trawl around looking for somewhere else. All our money is in joint names - are sole accounts a new trend?
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ING with another offer
Received this from ING this morning, looks like they are still trying to attract cash, although this time the rates aren't that bad, although you do need £5000 or£10,000 respectively to invest.
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Son's Uni Fund - where to put it?
I have saved £3,500 in my son's Nationwide account. It is earmarked for university. He has at least 3 yrs to go ( unless he takes a gap yr), so will not be needed before then. We put into the account monthly. He turns 16 in Sept. Where is the best place to put this money? I have thought about an e-bond with nationwide.,…
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Tesco On-Line Saver: Payments In Help
I recently completed opening a Tesco Saver account. One of the attractions was that I understood it had faster payments (saw this on an earlier post). When I opened the account I had to complete a Direct Debit/Standing Order form (as I recall). This seems to have automatically set up a transfer mechansim from my C/A at…
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Dumb question about Funds
I'm sorry if this sounds really dumb to some of you, but can someone tell me how the growth, interest, dividends, work with funds. For example if I buy fund X, predicted growth 12% over the next year, what do I do with it? Do I need to keep selling it and reinvesting in the same fund?i.e after its increased by 1% do I sell…
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Interest - is this right?
I have accounts with A&L - Premier Direct Current Account - Easy ISA While I know these may not be the best accounts around, here is my query; Each month I transfer money from my current account to my ISA. The idea is to save money and generate some interest to put towards my 0% credit card balance. The current account…
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What should i do with inheritance
Hi, I have recieved £60,000 inheritance and i am unsure how best o use it. My situation is: 32 yr old Married, mortgage £171,000 (5yr fixed @ 5.14%) 3 years left on this rate. No other debts. Should i pay max 10% lump sum of mortgage every year (above 10% = 3% additional charges)?, should i pay the whole amount against…
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cahoot '1 year bond'
When is a one year bond not a one year bond? Apparently when its from Cahoot. I applied last week for this bond and I've just been told the information pack is being sent, which then requires 2 address ID's. By the time this is completed, say 1 week, the date will be 15 August. I then noticed the samll print which said the…
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RBS dividend..?
Hi, can anyone tell me if RBS are paying an interim dividend or will new shares be issued instead? Many thanks in advance!!
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Clean Account
What is a "clean" account? Sorry for this newbie question!
