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Fairly straight forward question....I think!
OK this probably isn't a straight forward question but I have some savings (no debts or mortgage) and want to find a good IFA. The question is, where do I look? I have absolutely no clue about this so would appreciate some good advice. Thanks.
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National Savings
Hi there, I am looking to put some money into NS, but in the write up including this web site it states the following, Index Linked Savings offering to pay 1% more than inflation. It uses the higher measure, Retail Prices Index (RPI) inflation, at 5%, meaning it pays 6% overall. Anyone on basic rate tax would have to be…
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Opening an account with Kaupthing Edge
Having taken Martins advice on a savings account with a good interest rate my husband and I both decided to open accounts. Today we recieved an e-mail congratulating us on our successful applications, however in order to complete the process we were asked to provide a copy of our passport photo page or photo driving…
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Should I move my savings?
I was thinking about the money I have in savings at the weekend and think I have made a bit of a mistake for the past few years. When I turned 18 I was forced to move the money out of my high interest young savers account and was recommended to put it into a Cash ISA. However, as I do not work (I am a student) and so do…
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Real time prices.
Hi, Is there any benefit to subscribing to real time share prices. I trade 10-15 times per month and use 15 min delayed data from Yahoo Finance. I occasionally day trade and wonder whether it's more targeted to that. Would it help? Secondly, should I receive interest or dividends through the broker if I purchase shares?…
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?? Big bank collapse
hi....if this does happen as speculated...what could be the effects over here?...a good time to split large savings between banks?
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What is the best saving method for me? Saving for weddin
Hi i need advise. Myself and my DP have 2 years to save for our wedding but not sure of the best 'type' of account to go for or what best method. It is likely that for the remainder of this year and best part of next year we wil not need to take anything out of the savings account (apart from a £500 deposit in a couple of…
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Isle of Man Compensation / Offshore
Hi, About the Isle of Man and their compensation scheme.... there's a few things I don't understand... http://www.fsc.gov.im/investor/dep_comp.xml So if an Isle of Man bank goes bust then (in theory) up to £20,000 of your assets are covered at a rate of 75%, leaving a maximum due to you of £15,000 pounds, which could take…
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I’m Confused about Isa’s
I’m Confused about Isa’s I get the general idea of them but it’s the difference between cash and investments that gets me. I understand £3,600 can be cash and the other £3,600made up of other investments. Do these have to kept in one ISA that can manage both cash and investments? Or can I have two separate Isa’s and just…
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Halifax. Hero to zero.
Following my OH's successful transfer of a cash ISA (rare in our experience) to Halifax I decided to follow. Big mistake. I applied for the fixed rate ISA at my local branch, when the rate was 6.2% and was told that rate would be variable until funds were transferred and then become fixed at that day's rate. Always seems…
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First Save any good?
Has anyone any experience of FirstSave? They pay 7.10% on their 1 and 2 year bonds but I've never heard of them before.
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IFA Advice
Hi As a bit of a novice who has always just muddled there way through - would anyone be able to advise how best to pick an IFA for savings and pension advice? Are there any qualifications/awards that I should look out for? Thank you very much for any help you can give.
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Large US bank collapse ahead, says ex-IMF economist
SINGAPORE, Aug 19 (Reuters) - The worst of the global financial crisis is yet to come and a large U.S. bank will fail in the next few months as the world's biggest economy hits further troubles, former IMF chief economist Kenneth Rogoff said on Tuesday. http://www.reuters.com/article/wtMostRead/idINSP21695020080819
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Can I avoid tax on interest?
I am sure there is a rule against this but I thought I would ask... My wife doesn't earn anything (zero income) but I obviously do. Can I put all our savings into her name (her own personal bank account) and thus not pay tax? I guess there must be some rule about being married to not allow this. Can anyone give me some…
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moving money from abroad
Apologise if this thread causes controversy... A friend needs to move a large amount of money over from India but wants to avoid paying tax on it. Basically his parents bought land and a flat in India in the 1980's with a view to retiring back there once they reached 60. Plans changed and the flat and land are no longer…
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Best regular saver?
Hi I started my limited company 6 months ago so I'm putting aside 20% of all income for tax but I don't know where's best to save it. My first tax demand will be January 2010 for this year, by which time I will have put aside about £15K for 2008/2009 and about the same for 2009/2010. What would be the best saving vehicle…
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Tesco Savings On Line Access
Hi I recently opened a savings account through Tesco. I have done all the paperwork and just now want to check everything on line. I have been trying over the last few days but I cannot log on. Is anybody else having a problem or am I doing something wrong. The log on process seems far from straight forward. Thanks Martin
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Barclays Investments that Protect Money from Being Used for Nursing Care?
I have been helping my mother-in-law (with the help of this site) to decide where to save some money that she has. Anyway, yesterday she went to Barclays - which is where she has had her current account for years - to see if they had any accounts that would offer her a decent savings rate. We have chatted about this and I…
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yorkshire building society regular saver
just want to check - have a YBS regular saver but would like to pull out max cash (have saved £500 a month since Feb 07). I can leave just £100 and reduce payment to £10 a month for now and review next anniversary is that right? I obviously don't want to lose any interest. Many thanks
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Children have inherited money...what do i do with it?
Hello 3 yr old...5000 9 yr old 5000 14 yr old 1250 16 yr old 1250. Solicitor has released the money to us.....for us to put somewhere until they are 18...can anybody please tell me where to put it? At the moment sitting in cupboard earning nothing at all. Many Thanks !!
