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Friends Provident Endowment Assurance Policy
This isn't a mortgage it's a simple 15 year policy which I took out as a way to save money long-term. provider Friends Provident Guaranteed sum assured at 2007 the guaranteed sum was £6,300 declared bonuses at 2007 £793.41 Surrender value on enquiry in July 2008 £5475.70 Monthly premium £40 Maturity dtae 23/10/2012…
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What to do with 3,000,000 JPY?
Good morning folks, I am a 27 year old Brit working for a musical instrument company in Japan, and am considering what best to do with the 3,000,000 JPY currently sat in my Japanese Post Office bank account - earning a minimal amount of interest. I have a further £4,000 or so in my National Savings ISA, and have yet to…
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Student New to saving!
Hey I have just started my placement year and with a salery coming in would like to start putting away about £100 a month into savings, however I have no idea what the best way to go about this is! Currently I have current accounts at Natwest and Nationwide, but am not sure where to turn for my savings? Would really like…
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State bank of India 7.5% fixed, 5 years...
...There appears to be a new kid on the block (per Moneysupermarket.com). They are registered with FSA so I assume they are covered by the compensation scheme. They are also fairly highly rated per Fitch as they are the largest bank in India. The strange thing is they have no UK website (although they have an Indian site)…
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New to 'saving' ;need some advice
I'm lookin for an account where I can deposit any amount of money, anytime, anywhere, preferably with monthly interest. I've been meaning to do this for a while, but now i really want to get into it, and save for the future. Is there such an account where I can just dump lil bits of money here and there into the account,…
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Barclays Monthly Saver
If you are an existing Barclay's customer and can login to apply for this then is the account opened for you immediately? I ask because I'd like to apply to open one on Friday of this week, with an opening deposit, then slip in the first 'standing order' payment for 1st September on Monday [a faster payment from a…
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How do I qualify for tax exemption savings
I have £100,000 in various savings - premium bonds, shares, savings etc. I no longer work due to ill health. I receive approx £385 per month in War Pension and £400 a month in benefit. Do I qualify for tax exemption or have I done the correct thing in not filling in an R85. I'm scared to do so in case I don't qualify
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FOREX Trading
This might be in the wrong forum - if so please move it and let me know. I have around £9k of debt left which has been siginificantly reduced by matched betting, casino bagging etc thanks to this site. I have since been looking into the possibility of forex trading as a way of reducing the remaining debt asap. Basically my…
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Etrade account
Hi, I have recently opened an etrade UK Equities account, and I have a few questions that hopefully someone here might be able to answer. I have bought a certain amount of shares and want to hold them and see what happens in this economic climate. Do I pay a penalty for an account that is not 'active'. If so how much would…
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POST OFFICE 7.05% whats the risk?
Have £300k to invest for one year. Do not need to touch the cash for one year and I want a one year bond. Most of the decent rates for one year bonds have gone now but the Post Office rate holds. I was thinking of placing the entire amount with Post Office. Any thoughts on risk factor?
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Stocks & Shares ISA Advise - Sterling
I have some money to invest in the Stocks & Shares ISA and have been advised to put my money in through Sterling into the either (or more than one) of following funds that I can select and change at anytime. Schroder UK Alpha Plus, Invesco Perpetual High Income, AEGOn Ethical Equity TAM Latin America, JPM Natural…
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Halifax RS
had a strange call from HBOS today, trying to convince me to move out of the 10% RS because it doesnt make as much interest as one of their other standard savings accounts. this was the arguement that it pays interest for 12 months only on the first £500. maybe its costing them too much ? Mike
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RBS Green Indices
Was offered to invest in a Natwest combi-saver just very recently, seems its a 3.5 yr bond, half the investment sits in a normal account with good interest for the first year and the following earning 1% below the base rate while the other half is used by Natwest to invest in different 'Green' companies "because that's…
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Kaupthing Edge Risk?
I was thinking of using Kaupthing Edge as the savings account in which to put money from a free credit card balance transfer, known as stoozing. However, I read elsewhere that Kaupthing are believed to be high risk and may fold, I know the first £35K will be protected but if there is a collapse I may not be able to get the…
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Tax on savings - no earned income
Hi, I'm wanting to earn profit from my savings in the most tax efficient way - after exhausting ISA limits (relatively speaking - not really looking to transfer the money to an account abroad :p ). I have savings in an account with a Bank I'm happy with so I'm not looking to change accounts/banks. Just have a question…
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£15000 to save, but confused with so many choices
I need the ability to have instant access to my money, so I will not bother about the fixed rate term deposits for the complete amount. Although I can go for a term deposit or a regular saver for half the amount. If I look at a one year period, what are the best options for me?? I thought of going for a top paying Instant…
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birmingham midshires
Hi all!!..:) I am thinking of opening a E-saver account (6.52 AER)with this building society. after checking their website i read that the interest is paid back into your linked account and not into your E-saver account....why is that?....i would like it to keep adding to itself . Anyone got a E-saver account and have any…
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Deed Polls and New Savings
I have just married, and we both double-barrelled. We both used deed poll. I am looking to open a joint savings account in our new names (for our gift money) does anyone know if the deed poll documents will be enough, or will I have to use it to get new ID first? Thanks :)
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Index-tracking ISA and "buy in" price
I'm thinking of getting an index-tracking ISA with Legal and General - probably the UK Index or UK 100 Index one. Once my application is processed, is my money immediately invested (so say the FTSE 100 was at 5050.60 when the application was processed, would that be my entry point) or is it within the ISA and I decide when…
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Understanding TrustNet data
Hi all, I am trying to get my head around investmest data. My employer is currently in the process of changing pension fund providers and one of the possible replacements is Friends Provident. So I have decided to look at some of their funds as an exercise to try to understand the kind of info that sites such as TrustNet…
