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Will my cheque bounce?
Will try and keep my potential problem short but correct: Opening an ISA with Newcastle BS with my returned Icesave funds. 1. I sent a cheque to NBS on 26th Dec, however I then noticed that my funds were not in my cheque account (IF.com savings account). 2. I set up a BACS transaction from IF to my cheque account for the…
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Saga Top 5 Tracker account
I opened one of these accounts about two weeks ago, in fact it was the last day before it was closed. I've been back to the Saga website to peruse the T&Cs and they're not there anymore. I'm going to get monthly interest, does anybody know if the interest is reinvested or is it paid into the linked account? TIA :rolleyes:
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Euro Vs Sterling?
:confused: Hi, We currently have euros in Spain from the sale of our property two years ago. We left it there as we had planned on re-investing in another property. Obviously now would be a great time to buy another property, but we think we would benefit from maybe changing our Euros into Sterling and sitting tight for…
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working out interest rate with the monthly interest payment...
Hi, I going to be putting my savings into our offset mortgage now, and thought I'd just see what the interest rate was by taking the monthly interest that was paid in November 2008 and dividing it by the start balance of Nov 08. interest paid in Nov: £3.66 (tax 73p) Balance in Nov: £1,000.00 So that works out at 0.366% for…
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sharedealing account
:rotfl: hello everyone i currently have some shares invested in 4 companies which is through lloyds shareview dealing however each deal is £15 and per annum = account charge £16.00 what is halifax sharebuilder like? any people used it? thanks and happy new year
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Help me with my savings plan!
Currently my savings accounts give terrible interest :( my system is also too complicated and causes me to lose track of how much money i have. Here is what i have right now: - Natwest current account - ING (3x savings accounts) - 2 ISAs with two companies I don't want to move the current account as that would be too…
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Investment Bond -Prudential
How safe are these investments? Is there a limit garantee on the ammount invested? Eg. £50.000 garanteed by the banks. If I intend to cash-in the value of the bond, what are my tax liability? I have had monthly withdrawls for 7 years. What about capital Gain Tax? Thank you very much.
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Lloyds Savings
Hi, I have a Lloyds Vantage current account and I will be putting £8000 in it as it pays 5% up to £7000 and then 0.10% above that (Or I could always just leave £7000 in it and £1000 in my Lloyds eSaver), the problem is that to get the 5% you need to pay in £1000 each month (Which I do not), but would transferring £1000…
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Biggest hit shares of 2009
Hi, I have searched many times for a list of the shares that have suffered the biggest percentage drops of 2008, without much success. Anyone care to mention any they know of ? I'll start with a few Premier Foods Uniq Rockhopper Desire Petroleum
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YBS internet saver as a current account?
I have this crazy idea to use a YBS internet saver as a sort of second current account. Paying money in and withdrawing it fairly often (maybe every week) with the cash card. Can anyone see any reason why this is a bad idea? :confused: G
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ISAs, savings, business accounts, tax, thresholds... 18, naive, dislikes jargon. Help
Hello everyone, Im not sure how y'all learnt, but I am 18, and investment savvy.. I love investment, and I want to get into business. Tax, ISAs, types of bank accounts etc all go over my head. I have been reading all of martins guides to get a basic idea but I am not sure exactly where to go. Any advice would be great.…
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Who has 'premium bonds' these days?
Hi, My mum has some premium bonds from as far back as 40 years ago , and whilst they are not gaining interest (okay - I appreciate the rates are so low currently..), she's just told me that she won twice in all that time - approx. £50 each = £100. Somehow, I think she might have 'achieved' more - especially now that ISAs…
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Joint account with multiple holders
Does anybody know of a joint account that can have five account holders thanks in advance
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Gifting shares to spouse
My wife has some shares in the company she works for. We would like to know how much is she allowed to gift to me before one or both of us has to pay tax? And also, how do you actually go about gifting shares to your spouse? Any help or advice would be greatly appreciated.
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My 12month Bond Ends 27th Jan
I Have 270k Bond That Was 6% (those Were The Days) So I Am Now Looking For A Home For It On A 6 Or 12mnth Bond Anyone Tell Me Whats The Best Rate In A Uk Bank Apart From Barclys Northern Rock And A&l As I Am Maxed Out In Them Already..thanks
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pension payout
hi all getting 10k payout,soon, whats the best thing to do with it,my options are pay 10k off the house,or reinvest it,any good fiancial advisors out there, bit of advice needed,cheers sam.
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HBOS share offer
Hi there, I have just received a HBOS share offer, which I guess is to do with the lloyds merger. The offer is for 1.3839 open offer shares for every one existing HBOS share at 113.6 pence per open offer share, offer ends 9 jan 2009. Is this offer worth taking up, and could someone explain the pro's and con's please.…
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lump sum - advice please?
hi, new to the board just looking peoples opinions... bought a house in the summer, part of which was financed by an interest only mortgage (58k). we now have the 55k to clear most of this mortgage as my other half has received her share from the sale of her fathers house (didnt sell for as much as we'd hoped!) .....we…
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Nationwide new rates (w.e.f 01.01.09)
PDF sheet Notice Popular accounts e savings (all balances) 1.95% (-1.10%) e savings plus 2.75% (-1.00%) 0.5% (-1.00%) for 3+ withdrawals [some confusion about the 'net' rate being '0.20' when it ought to be '0.4%'] Instant access ISA (£1-£9999) 1.50% (-1.10%) Members ISA bond (£1-£9999) 1.75% (-1.10%) Interesting to see…
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Index Tracker Funds
I was thinking of investing in an index tracker fund. Could anyone suggest particular funds which are relatively easy to access (or an online broker). I would prefer a fund that would allow regular monthly contributions (as opposed to one which requires a single lump sum payment). Anyone have any tips on these investments?…
