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Why would they nationalise?
Hi Guys, I'm fairly new to investing but have always had a very strong interest in economics. There's something I don't get about the nationalisation thing when it comes to the likes of RBS and Lloyds et al. Given that the government is: - Guaranteeing all desposits - Insuring just every crap asset the banks now hold -…
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Scottish Widows ISA
I note that Martin is still saying that the Scottish Widows ISA rate has not dropped, they sent me a letter on 8th Jan saying that the rate was dropping to 2.10 on Jan 1st Mke
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Warning on "enhanced income" funds
Sure to be loads of people caught out with these. http://www.timesonline.co.uk/tol/comment/columnists/article5579382.ece Those who wish to avoid risk need to be satisfied with more modest returns for a while.
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Power of Attorney. What rights do Attorney's have - can I move my father's money?
Hi I have Power of Attorney over my father's money, and am very pleased so far with the advice this forum has given me. Tomorrow I am seeing an independant Financial Advisor, as my father has an very large amount of money invested in Inscape, which is part of Santandar and Abbey. I will be asking him if it's possible to…
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Should I 'SELL' my GBP for USD?
Hello guys, Do you know of any banks based in the UK that let you open an account in US dollars? I am thinking of converting my GB£ savings into US dollars. Thanks for any info.
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probate with discretionary trust
I recently lost my father who had a discretionary trust in place at the time of his death. As my mum is still alive and everything will pass to her under the spouse exemption rule we do not feel that probate will be too complicated. The solicitors have estimated a fee of £5,000 which we feel is over the top so we will…
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Gold soars above $900 on safe-haven demand
NEW YORK (MarketWatch) -- Gold futures rallied above $900 an ounce Friday to their highest level since early October, as worries about the global economy and markets prompted investors to seek a safe haven.…
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Low interest rates
When banks lend us money they expect a fair return for their money. When we lend banks our money we expect a fair return for our money. With ISAs paying 1.5% and other account paying .5% I don't call this a fair return do you.
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Account in GBP
Okay, I have a question. I want to have an account denominated in GBP, held in the UK (or one of the dependencies). I'd like to have debit card access to the account, as transferring money between the UK and Poland is quite painful. Does anyone know who would let me open such an account, as I'm resident in Poland and no…
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RBS Shares
Hi there i want to invest about £750 in RBS shares,but im a shares virgin can someone give me advice on the best way to do it.
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Anglo Irish Bank
Since the unscrupulous dealings of the directors of Anglo Irish Bank and its subsequent nationalisation I am wondering if, having only opened a 1 year fixed rate bond on 18 December 2008, Sean Fitpatrick resigned 19/12/08 when his dealing came to light, and the fact that this bond was only taken out because they advertised…
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share information
Anyone out there offer any info please. I have £2000 sat in Bank account doing nothing, earning no interest so I thought that I would have a dabble with shares. Can anyone answer these questions??? Which share dealing service is the best. Have been looking at all the ones online. Minefield to understand. I want to be able…
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Old savings account
Sorry if this is not the right forum to post my query however i cant find a more suitable one. Right my granddad passed away back in september and whilst sorting his things out another relative came accross a savings book from midland back with my name on it. Since midland bank are now part of HSBC and the last dated entry…
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were clueless about savings
hi, im hoping some of you can help me. me and my partner are currently saving for a deposit for a house and we have £3,000 so far. weve just started saving but hope to have between 7 and 10 thousand by the end of the year. The only thing is we dont know anything about savings accounts or what to look for. i know its not a…
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Is it generally worth buying £100 - £200 worth of shares
Hi guys, I'm kind of interested in playing a little bit with shares - almost as just a bit of fun rather than anything serious. I certainly wouldn't risk thousands of pounds that I couldn't afford to lose. So just as a little bit of an experiment I was thinking about taking a couple of hundred quid and putting it into one…
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what's the difference between Iceland and Ireland? Answer: one letter and six months
Be careful if you have a UK Post Office Savings Account http://www.guardian.co.uk/money/2009/jan/24/savings-banks
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My "friend" needs advice, please
If the building society sent my friend a cheque in error and my friend innocently put it into her bank account, how long could pass before the building society could not ask for the money back or could they ask for it back at any time in the future? I, of course, will advise my friend to send the cheque back forthwith!…
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Bed and Isa query
I've some investment funds that I'd like to shelter from tax by using my ISA allowance next year. I see several brokers offer 'Bed and Isa' options to achieve this, but I can't see the difference between 'Bed and Isa' and simply selling the investment fund myself and re-investing the proceeds in the same fund, only under…
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£30k to save
My girlfriend has £30k to put away into a fixed for a year. We've been looking around but she isnt really sure wheres best right now. She won't need access to it either. She found this one - http://www.westbrom.co.uk/westbrom/home but was not sure. Any thoughts on this one or suggestions on who she can save it with? Thanks
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West Brom fixed rate 4.6% until 31/1/10
Following the rapid closure of their previous ebond at 4.65% gross, West Brom has now brought out another one at 4.6% gross (3.68% nett). See this link: http://www.westbrom.co.uk/westbrom/savings.product?id=4326&FROM_CAMPAIGN=true&CAMPAIGN_SRC=HOME_PAGE Minimum investment is £1,000
