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Shortage of 1 ounce gold coins?
I've notoced that coininvestdirect are not showing one ounce brittanias or Krugs. A couple of others have been dropped in the last few days too. Don't know what that means - doesn't look like a shortage as the gold price hasn't increased. Maybe they've just let their stocks run down and are waiting for another buy…
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From the Times: Mortgage Lending hampered by Savers flocking to NS&I
"The Council of Mortgage Lenders (CML) said that efforts to boost lending, in line with Government demands, had been undermined as savers flock to deposit money with state-owned National Savings and Investments (NS&I) rather than high street banks or building societies."…
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Barclays are a joke
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Citibank applying charges to savings account!!
So I opened a citibank savings account a few weeks ago. After the account being fully opened and activated, I decided to set up a transfer from within the Citibank internet banking area. I requested the transfer and made sure I had enough cash in my linked current account. What happened? On the day they were supposed to…
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Where to put my money
I have no idea about money whatsoever just to let you know. I'm expecting a cheque for two thounsand pound in the next month. I want to put the money away but I'm not sure whats best to do with it. I'm a student and don't have a regular income but also plan on putting a small amount of money away monthly too. I'm planning…
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Close Brothers Premium Gold Offer - 3.75%
Close Brothers Treasury are launching a new Premium Gold Offer. Details to be announced on their website 21st March 2009... http://www.closetreasury.co.uk/
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Pse Help? - Higher/Lower rate taxpayer - how do they know?
Hi folks, Sorry if I'm being completely dim but can someone please enlighten me on the following:- In Martins information on whether to 'Pay off your Mortgage vs Savings Accounts' he says:- '......To earn £600 a year after tax on £10,000 in a savings account, a basic rate taxpayer would need an interest rate of 7.5% and a…
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Investing in shares
Not right now but in the future I am thinking of buying some shares - however I don't know the first thing about shares and the stock market! Any advice - and do feel free to treat me like a blonde - I act like one! Thanks :)
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ISA or Mortgage Overpay?
I have about £300 per month to save regularly and another £300 a month approximately that I'd rather like to have access to for emergencies, house maintenance and up and coming purchases like washing machines etc as they go kaput. I would also like to pay off my flexible mortgage... am I better off putting all my savings…
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RPI estimate for next publication date (24th March)
Does anyone care to estimate what RPI will be when published next (5 days)? It's currently 0.1% and is due to be published again on 24th March, I'm writing a document based on the current rate for costings, I suspect it'll go negative, but be interesting to hear some views...…
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Can someone help me with ISA's
Hi Can someone help me please? My father has an ISA account with RBS, which he has £6k in. He went into his branch this morning to find out what he could do with his ISA as the rate of interest he is being paid is cr8p something like 1%. RBS have a cash isa plus account which says you cannot transfer money in. He asked…
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Oversubscribed Products
Is anyone aware of financial products, savings, bonds, mortgages products that have been heavily oversubscribed in the past that then had to be pulled quickly. Reason I ask is that I'm writing a paper on the issue and have a few examples of when this has happened but wanted to get some more.
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Children's savings
Can anyone help? Having read Martin's weekly email it reminded me about the £100 limit on interest that children can earn on money invested for them by their parents. Is this on money invested in each tax year (like an ISA) or is it cumulative? The snag is that if they earn £101 of interest then ALL the interest is taxed…
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Small monthly saving in longterm plan
Can anyone suggest a Long term monthly saving plan in which I can stick around £50 monthly? was offered an ISA in stocks and shares but I dont think any point with initial 1k at moment.
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Tax and tax band implications of large savings
I have a query.... my boyfriend lives abroad at the moment. He will soon be given £10000 by his parents however he wants to put it into my account as in the current climate he will essentially lose money if he takes it abroad. However does this have any implications on my tax band as a friend mentioned it may do? He does…
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What to do with £20000 fo 6 months?
I have a £20000 endowment maturing that will not be needed to repay the mortgage it is on for around 6 months...so my question is...what to do with it? :confused: Thought of buying premium bonds for the tiny chance of a big win, but any ideas would be appreciated!:beer:
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Investment fund starter questions
Hello everyone, Please bear with me because I'm very new at this! I've decided that I would like to invest in the stock market for the first time in my life and I think the best way to start would be to open an S&S ISA. I'm expecting to deposit at least £3600 in the first year and I'm happy for the money to be tied up for…
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Question re closing joint b/s account
I have found an old Yorkshire Building Society passbook which I want to close as we no longer use it and there is only about £30 in there. It was opened in joint names, myself and my husband. We don't have a joint bank account or b/s account so can we get the cheque made out to just one of us if the other authorises it in…
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How best to invest £8000 over 2 years?
Hi, Am looking at getting a career development loan for £8k (or as much as they will allow me) however, don't think I will actually need to use it, so once the interest free period ended (I'll be on a 2 year course) I would be paying the entire lump sum back, worst case scenario I will pay it back over a year. What is the…
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What is the best thing I could do now with £5k?
I have £5k lying around in the bank gathering almost zero interest, what is the best thing I could do with it at the moment?
