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Redundancy Payout - where best to keep it?
I'm about to get a voluntary redundnacy payout of approx £22,000. I have a £220,000 mortgage in an offset account which is about to drop to the variable rate from a fixed term deal. The variable rate is currently 2.5% I'll hopefully work pretty much straight away on an interim basis (market is very good for this and I have…
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Egg Website down
The 'your accounts' section of the website is down. 'underging essential maintenance' message currently displayed. must be something major to take the service out during the working day :eek:
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how to sell my shares?
Hi I bought some rbs shares in jan this year and want to sell them. Ibought them through my bank natwest. How do I actually sell them? Can i just go in branch and ask them to sell them for me and how long will it take for the money to into my bank Thanks
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Manchester Premier 45 ISA - Rate change imminent
Hey folks, I had a quick search and couldn't find this already posted, so thought i'd let you know that we believe the Manchester BS Premier 45 ISA will disappear some time very soon, and be replaced with a 35-day notice account at 3.01% (info from eMoneyfacts:…
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pay off or invest?
Hi I am about to receive £30,000 that is owing to me from my final salary pension that was originally miscalculated in 2006. I have an existing repayment mortgage of just over £27,000 which I pay £197 a month @ 4.0% interest I am just in the 40% tax bracket from my pension payments and my salary from the job I do now…
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Moving pension investment fund
We have recently had a local IFA look at my husbands personal pension. This is currently invested with Clerical Medical. He advises that we should move the money to Skandia to take advantage of a wider range of funds. We are concerned that this will incur more costs on what is already invested. How do we decide whether…
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What should we do with £17k?
Hi there, I've spent a fair bit of time looking at the forums but this is the first time I've got round to actually posting. Hopefully, you'll be able to offer me some advice. My Wife and I have £17k in savings and are unsure how to make the best use of it. We currently have around £1500 in an ISA but haven't contributed…
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Advice needed on cashing cheque dilemma!
I urgently need advice on a dilemma my friend is going through, she is looking after her ill gran, who is over here from Barbados, while she has Alzheimers tests and looks at Nursing homes. She was having money sent here to a post office from Barbados, which she needed desperately to pay for bills, rent and the care…
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Discount Brokers
Does anyone have any views on the merits of the different isa discount brokers I am already with Hargreaves Lansdown and very happy with them I also have some money with Fundsnetwork that I would like to reregister the agent on and the Intelligent Money service sounds good Do any of you have experience of discount brokers…
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Saving Student Loan
Hi All. I'm so sorry if this has been asked before and I wasn't sure whether to put this thread in the savings forum or student forum but nevermind! I'm just starting university and have been working out all my finances etc. I'm living at home so I don't need much of my student loan and I get a £4575 bursary for being a…
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Do you need over 14k saved in the bank for that 60 pounds dinner?!!
As my husband and I strive toward financial independence, I'm becoming more conscious of what it would be like to live without a salary. If we are living off savings, how much savings does each of our monthly expenses require? Let's take a $100 a month expense. That might be dinners out for some or new clothes or excess…
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Fund & Share Research
Is there anyhwere I can get downloads of fund and share data to do some research myself.
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Golden Hand Shake.
Hi, I am about to receive a golden hand shake of around £53,000 i intend to use £19,000 to pay off the balance of my Mortgage and am looking for sensible suggestions on where to invest the balance. I thought of spending the lot on wine, women and song! However, the wife says we should stash it away towards our retirement…
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Barclays - applying for a savings accuont online
Instead of going to branch to apply for a savings account, I've decided to open one through online banking. However, I want to know something before I open one. After applying, would the sort code and account number be automatically generated and opened without any paperwork sent to me? Or would paperwork be sent to me for…
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I came across an old Savings Account of mine the other day...
And unfortunately, i'm not a millionaire :( , theres no hidden cash (save £5.77), BUT. it's a Halifax Liquid Gold account, i've not used it since about 1996/7 ?, according to the Halifax site, it's got an AER of 0.1%? what does this refer to, is this account basically just a place to dump cash, and not get any form of…
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FirstSave 1 Year Fixed Rate Bond
FirstSave1 Year Fixed Rate Bond 3.50% looks good ive got 60k to fix has anyone had any dealings with this bank....?
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Natwest esaver extended bonus
My 2.1% bonus comes to and end at the end of this month, Received a letter offering to give me a 1.4% bonus for an extended period of 16 months. That sounds like 16 months from 1 Oct this year. They even sent a freepost envelope. Doesn't seem like a standard offer on their website and couldn't see anything about this…
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HSBC InvestDirect Plus - Share Trading
Is anyone familiar with buying (and selling) shares using this account? There's something that isn't clear to me from the information they give. If during market hours you choose to buy some shares and set a limit price of say 100, but it does not execute as the price is above 100 for the whole day, does the order carry…
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MSE News: Millions of savers earn sub 1% interest
This is the discussion thread for the following MSE News Story: "Savers can earn over ten times the current Base Rate but huge numbers are still stuck in decrepit accounts paying paltry returns. In some cases, savers are earning no interest whatsoever. This highlights the need to ditch your dinosaur account and switch to a…
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Account with good interest where I can dripfeed into another account?
I am saving into the halifax regular saver account for my children at 6%. However I want to move the lump sum that was swept from their regular saver into the save for it account into something that is paying a better rate of interest. I then want to be able to pay an increased monthly amount from this new account back in…
