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Tax-free Interest for Low Earners?
Hi I earn around £5k a year basic plus variable overtime as I am a full time student. My other income is renting a room in my own home (tax-free) and maintenance grant (tax-free). I have filled in the form to get my interest om my savings tax-free this year, but have not done so in previous years as I have been worried…
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FSCS Compensation for Investments
I understand the FSCS compensations limits for investments are: http://www.fscs.org.uk/consumer/key_facts/limitations_of_the_scheme/compensation_limits/ I'm considering expanding my portfolio in Hargreaves Lansdown to well over £50k. Should I be worried? What would happen exactly if H-L went bust, considering my money is…
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Cash ISA vs Fixed Offset Mortgage
Hi All, I am looking to fix my mortgage as I have a new born and am looking for stability in the amount I pay each month for my mortgage. I have just come off a fixed rate with the Abbey and am on a SVR of around 4.79%. I have seen several recomendations in the media recently advising to fix mortgage rates against…
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First State Indian fund help needed
can anyone explain the difference between the following: First State Indian Subcontinent Fund Acc First State Indian Subcontinent Fund I Acc First State Indian Subcontinent Class A Accumulation
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Building Societies - are they safe?
This thread is to discuss the following news story: Building societies dismiss fears over savings safety
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suggestions for natural minerals
Hi, can someone suggest funds or etfs for gold, silver, copper and for natural minerals as a whole for me to research? At the moment, I am looking at BlackRock World Mining, iShares Silver Trust, ETFS Physical Gold, Investec Resource Enhanced and JPM Natural Resources.
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Close Brothers Bank
This is my first post so be gentle! Has anyone had any dealings with this bank. The other week they were recommended for their 2yr fixed bond. How safe are they?
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Fidelity.co.uk
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Selling my house. What should I do with the cash? Any advice gratefully received :-)
Hi all. I would be very grateful if you could give me some advice as to my next steps with regards to my soon to be acquired wealth. I am about to finish selling my house. I will be left with 120k and no where to live :-) I am based in London. I am also currently not employed. Can you suggest what my next steps would be…
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Help please- Halifax savings offer last year?
I can't be sure of the details, do you remember? I'd really appreicate your help. I have banked with Barclays for over 20 years, but last July I noticed a poster on the Halifax window offering "new buisness deposits 5.8% for next 12 months" at least thats what I understood. So I moved my money, but it seems I am now on a…
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Age for share ownership
Hi all I'm new to this forum, but hope you can help me. My son has a couple to thousand saved in the building society and recently asked me whether he could buy shares with the money rather than leave it gaining little interest. I am keen to encourage him and feel it is a good time to buy shares as a long term investment.…
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question about P/E
Im looking to invest in individual shares. This is new territory for me. Ive been reading up on what P/E's are. My head's spinning a bit: if a P/E is 8 - that means for every £8 I spend, I get £1 back - or it takes 8 years for me to get my money back. Thats bad isnt it? And yet when a company is doing well and is expected…
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Help please
My mother in law asked me yesturday if Midland bank are still a bank because she came across a bank book the other day which she had forgot about and its got some money in it which she says she has never drawn it out but woule lik to now. Ive goggled it and it says its something to do with HSBC?????? If this is the case…
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How and Where to buy shares?
How and Where to buy shares? what is the fee ? and is there any instant online share buying and selling any recommended and explanation would be nice too. :Athank you
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ING Direct to reduce from 17/4/09
ING Direct accounts are to reduce by 0.5% and bonus for new customers is to increase by 0.25% w.e.f. 17/4/09. So for existing customers who have been with then for 1 year + the rate will be 0.5%. For customers less than one year the rate will be whatever the bonus was when the account was opened + 0.5% See ING Direct
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FOREX Trading
Hi All, Does anyone have any thoughts on FOREX trading for the small investor? I'm just looking at the £ versus the Euro and US$ - it currently stands at 1.13 and 1.49 respectively. I wouldn't mind backing the £ to return to a 'par score' of 1.45 against the Euro and about 1.75 against the US$ over the next 12 months.…
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What sort of returns do you expect/ received?
I know the stock market is not performing well at the moment. But over a long period of 10 to 15 years what sort of returns do you expect on your investment (in percentage terms per year) on average? Also what sort of return have all you seasoned investors received over the last 10 to 15 years gone (on average)?
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Norwich Union still advertising name change
I have just seen a 2 minute Norwich union advert - advertising their name change. This compaign has been going for over 2 months now, and it's frightening to think of how much money they have frittered away - especially as so many different celebrities appear in the advert. If I was considering a Norwich Union product, I…
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Commodities asset allocation
Whilst this isn't directly related to consulting, I assume a few readers may have more information than I and would be able to point me in the right direction. Thanks in advance. I was recently given this scenario and would appreciate any advice as to how I would begin to approach and structure the answer. Currently in a…
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Over £20,000 stolen from Sainsburys Bank
I'm wondering about the different security systems used to access online bank accounts. Recently, over £20,000 was stolen from my sister's online Sainsburys Bank account, a large proportion of which was my money, loaned to her for safe keeping while I was abroad ! We believe that a malicious keylogger program of some kind…
