-
It is offical - Britain is now bankrupt
http://cynicuseconomicus.blogspot.com/2009/02/its-official-uk-government-is-now.html
-
Pyramid scheme
what are your thoughts on these? OH has been approached to join one by someone who had a £21k pay out from £3k. are the illegal? any advice would be much apprecaited.
-
Quantitative Easing Corporate Bonds
Hi What effect will quantitative easing have on the the corporate bond market? Will it have a positive effect, ie push up prices? Thanks
-
4.1% from Coventry
It's for 5 year (loyal) members (or baggers) only, is fixed for 3 years and the maximum investment is £5,000 but it's the best rate out there at the moment :) . It's a "heads you win, tails you don't lose" type of account :) . If interest rates stay low you win. If interest rates rise over time you have a get out clause.…
-
Guaranteeed Capital Growth Bonds
Would appreciate thoughts and perhaps alternatives to guaranteed growth bond. Lloyds suggesting this to us however as this would be placed in IOM banks this is also of concern. Thanks
-
Confused about savings/ISAs
Hi, I've got around £7k sitting in an online savings account, which is currently getting 2.06% p.a. interest after tax. I may need to use some all of this money at some point over the next few months to buy a car. I am hoping to start saving regularly, but don't know at this point how much I'll be able to save monthly.…
-
4% saving interest?
It's hard to find a no strings savings account at the moment at anything like 3.5%. Even to get this sort of rate, you may need to invest thousands, or sacrifice interest if you make a withdrawal, and the rate will probably be introductory for a year only. However an Egg Money credit card account pays 4% gross pa AER for…
-
RBS Child Trust Fund Stakeholder Account
Hi, Is anyone any idea if a RBS child trust fund stakeholder account will be affecte by the RBS situation? :confused: Kind regards, Tammy
-
Banking for a small business
I run a small business. At the moment I have about GBP 160,000 sitting in two business accounts in Abbey. A friend has recommended that I spread the money around in case of bank collapse - but is there any protection at all for business accounts? If not, I can see that it spreads the risk somewhat, but it wouldn't get me…
-
Co-operative Bonus Account
With the co-operative bonus account you get a bonus of £1 each year up until the child is 10 if the account has more than £50 in the account. When it first launched people on the forum worked out the interest to be 8% including the bonus. Now the interest is 0.50% before the bonus what is the overall interest rate after…
-
Savings - confused with all the options
Hi everyone, This probably seems like straight forward stuff but having only recently gotten out of debt for the first time in in my life I've never really had any savings. Now that I do I want to know best way to maximise them. I've read all of Martin's articles but to be honest there are so many variables involved that…
-
SJP Gilts/Corporate Bond
Ive now become too nervous about the rapidly declining nature of my St James's Place Investments (THSP/Inv Perp/GAM) and now Im seriously considering (I actually have the forms completed to transfer) changing it all over to Gilts and/or SJP Corporate Bond any thoughts on my idea?
-
Chelsea
I have been on the phone to the Chelsea and the blasted line is engaged forever. I was phoning up because I sent them a thing on the customer feedback form but have not had a reply from them.
-
New Saver!
Hi All, My OH and I are currently saving for the deposit for our first house. I am banking with Abbey and save £800 per month into a flexible saver account whereas my girlfriend banks with Nat West and she saves £400 a month into her standard NatWest savings account, they are both instantly accessible, I am not sure of the…
-
joint savings account?
Hi, My OH and I have separate currrent accounts, but would like to open a joint savings account to save approx £100 each per month into. Is there any banks that we could do this with online as we both work long full time hours and dont have a day off together in the week until June! Saturdays might be a possibilty if any…
-
In Transit Bank Transfers
I opened a Principality Savings Account & made an internet transfer from my Barclays Account to my Principality Account (Barclays Holding Account) it left my account that day but didn't reach my Principality Account until the sixth day. I'm told that BACS takes upto seven days to clear from their Barclays holding account…
-
NS & I Index linked certificates
Does anyone have a view on the holding of these index linked certificates now that RPI has fallen and likely to fall further? I invested in the NS & I in Oct 2007, over a 3 year period, a when the RPI was high. First year looked great but I'm really not sure whether these remain a sensible investment, given my certificate…
-
Is the 350,000 limit interest inclusive
If an institution goes bust after having £50,000 invested for 12 months, does one lose any interest due as it will go over the £50,000 limit. So is £48,500 the real limit for a 3% interest savings account?
-
do it myself or trust an advisor?
ok then i'm all new to this money thing we have inherited some cash and have £30,000 :j to put away. i know to use up our isa allowances then i'd thought of using the high interest e-savers accounts like egg and B&B, dont really want to lock the money away for any length of time, i like the idea of being able to move it…
-
Is it time to ditch Nationwide in droves?
Seeing as Nationwide are paying only 1% now on their Cash ISA's ands not much more for the Members ISA Bond is it time for everyone to make a mass protest and pull money out of the society.? They are treating savers very poorly. They don't seem very keen on hoarding cash at those rates. They have even stopped paying any…
