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Table of decline
Just got this sent through by Egg: Bank of England Base Rates Effective from Effective to Base rate 10 April 2008 7 October 2008 5.00% 8 October 2008 5 November 2008 4.50% 6 November 2008 3 December 2008 3.00% 4 December 2008 7 January 2009 2.00% 8 January 2009 4 February 2009 1.50% 5 February 2009 4 March 2009 1.00% 5…
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Anybody understand banks' tier two" or "hybrid debt" ?
Does this include the long/undated corporate bonds of banks such as Barclays , Standard Chartered and HSBC ? The financial press is talking about tier two" or "hybrid debt" being bought up compulsararily at 50 or 60 percent of is face value in the case of the part nationalised banks. Is this not expropriation ? Some…
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Overseas dividend tax reclaims for UK residents
I'm having difficulty finding the forms issued by the Swiss and Spanish tax authorities which a UK resident can use to reclaim a portion of the withholding tax placed on my dividends. :confused: This is for companies based in Switzerland and Spain, where the dividend withholding tax is higher than the UK, so we're entitled…
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Going freelance (IT Contracting)
I'm considering branching out and becoming an IT Contractor (possibly under a Ltd Co) in the near future and would like to draw on peoples opinions as to how I should structure my finances to enable me to do this. I'm currently in permeant employment. If there are any freelance people here - I'm interested to know what you…
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HSBC Rights Issue
Hi Guys, I didn't know where to post this but here it goes: I have a few shares with HSBC and they have offered me to buy more shares at a discounted price to what it is currently valued in the market. Does this mean I can buy this shares at a discounted price, and sell them a few days later at the normal market price? I…
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Yorkshire Building Society or Lloyds ?
I will be getting a lump sum payment (£100,000) soon, and I am stuck between putting it in Yorkshire Building Society at 2.72% or Lloyds at 2.50%(Joint account so £100,000 is protected), but as well as the interest who is the best for safety Lloyds or YBS ?. Also with Lloyds I can get the money or do transfers Instantly,…
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fund choices swapping
just after opinions on a couple of funds i'm looking at moving 50% out of 2 distribution funds into the fidelity moneybuilder income fund and also m&g corporate bond life fund, does anyone have any experience/opinions of these funds please?
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"Safe Haven Investing"
Today I received a flyer in "The Week" magazine. Google for "stanley gibbons safe haven investing" (omit the quotes) . What are members' opinions of this investment "opportunity"? I looks to good to be true to me. What's the catch? Aaah! it is investing in rare stamps. Not me sunshine...
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Can You Borrow Money From A Cash Isa?
I have a family emergency, and wondered if I could borrow from my Cash ISA with the Nationwide? AMD
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FSCS Update For Icesave Fixed Account Holders
I have spoken again to the FSCS today. They have agreed to publish an update on their Comsumer website later today (Friday 27th March 2009) which will clarify the compensation process going forwards for Icesave fixed term accounts that mature later in 2009 or 2010 or 2011 where the claimant has elected to wait for maturity…
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2009/2010 ISA or save ?
Hi Is there any reason why my below plan is flawed :rolleyes: I have my full allowance 2009/10 ISA money ready for me and the wife, problem is its in a Halifax IASA at 5.65% fixed till Jan 2010.(another forum top tip i followed :D ) Now does it make sense to leave the ISA money in there and in Jan use our allowances at the…
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Barclays Wealth Regular Income Bond
Anybody any thought or experiences of this? Deposit for 5 years and receive 7.50% interest per year. Capital guaranteed only if the FTSE does not fall by 50% during the whole investment period from it's starting point. If it does then the Capital is reduced by the same percentage fall as the FTSE during the period of…
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Coin Counter Machines
Apologies if this is in the wrong place so please move. I have lots of loose change in a celebrations tin, machines I have seen in supermarkets charge around 20p per £1, does anyone know of any shops/banks/supermarkets that dont charge or charge a lot less? Thanks in advanced.
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abbey national overdraft charges, was it my fault!
hi, sorry if this is the wrong place, i want sure on where it should go. Abbey national have charged me £52.25 interest and charges, when i phoned up they abbey operator told me he couldnt see what the charge was for and to wait to see if it is drawn out beause it looked like a error. I checked monday and it was withdrawn…
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What to put in my ISA share allocation
I am opening two ISA's one for me and one for the missis, will max the cash as this seems to be good general advise for anyone with cash savings but as I understand it I can then put a £3,600 in as shares (or unit trusts / hedge fund type things...) My question is what would be the best way of using this allocation which…
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High Dividend Yield Stocks
Anyone know where I can find a free list of the highest paying dividend shares in the UK?
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Advice Needed PLEASE - Derbyshire Building Society
Advice Needed. Held an account with the Derbyshire for the past ten years, kept a few hundred quid in it just in case of a chance of a windfall? Moved area far North, no branches local, so decided to close it last week. Did a search on the internet branches close by; the closest were either Birmingham or Leicester, so…
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Natwest E-ISA
Hi I'm new so please forgive my paranoia... Martin's top ISA to transfer existing ISA balances is the Natwest E-ISA. I was wondering why I can't see any threads on here about it - I thought that cos it's Martins top pic there would be at least a few. I noticed during applying for a current with them that they are owned by…
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Borrow against mortgage to save ??
I currently have access to an existing tracker mortgage which is largely paid off and can borrow and extra £90,000 at 1% interest. With some instant access savings accounts paying anything up to about 2.5/3% (sometimes including bonuses) what's the downside in taking £90k out the mortgage and putting it into savings (max…
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Halifax Guaranteed Saver rate
Can I just confirm that the rate on this account is still 6% if you don't make more than 4 withdraweals in a year? Its showing 1% in my account at present. And am I right in saying that the 6% is applied to the years balance if terms and conditions are met after one year? I have £3,600 in a 7% Halifax fixed rate saver…
