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When should my last Halifax Regular Saver payment be?
I opened a Halifax Regular Saver in January 2009 (first standing order made 15 January, received 19 January). My online statement says that the account "Anniversary Date" will be 19 January 2010. My (possibly stupid) question is, when should my last payment to the account take place? If my arithmetic is correct, starting…
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Egg website says Certificate Error
Anyone else experiencing this. I got the normal green webpage appear, then logged in. The next page says: "There is a problem with this website's security certificate The security certificate presented by this website has expired or is not yet valid Security certificate problems may indicate an attempt to fool you or…
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Inflation
Mervyn King said today that inflation would rise sharply over the coming months. Would it therefore be correct in holding off saving in long term bonds for a while in case savings rates increase?
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Share CGT calculators - advice please
I have been progressively investing in the same shares in a USA company over an extended period. I have also at times sold and brought back, so far without incurring CGT mainly because of the 30 day rule. Typically I sold and then brought back a different number of shares within 30 days. I now want to cash in, but…
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Petition - End VAT on Silver Bullion
People who fear losing the value of paper money may wish to invest in precious metals. In the UK, we can buy Gold with no VAT, but Silver is liable to VAT on top at 15%, going up to 17.5% again in January. This is not fair, some people are completely priced out of the Gold market now, which makes VAT on Silver all the more…
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What does Corp.A mean on my Hargreaves Lansdown statements?
On my statements I see things like this for my corporate bond fund: Type - Corp.A Date - 31/08/2009 Ref - E 00112233 Unit Cost - 0.00 Qty - 0.0000 Cost £ - 1.75 What is going on here? Is this money coming in to me, or am I paying this as a fund charge? Cheers
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Generous Coventry?
Unlike my "shortchanged by Halifax" thread, last year I put 35k in Coventry's over 50(55?) one year fix. I've just transferred the balance in order to buy NSandI growth bonds and see it is 36750gbp. The interest paid has been 1750 or 5%. I thought that was the gross interest last year and I declared as a tax payer etc? Was…
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Investing for a child?
I want to set up an investment for a god child, can anybody help? Some of my criteria are:* I'd like to invest (so shares or trusts) rather than save. * I only want to put £15 per month in - does that fit with the above? * I want it to be tax free, but a surprise - is this possible without their parents knowledge? I guess…
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Two accounts where there's still good service
It's easy to complain (I know, I do it all the time) and in the light of the grumbling here abut Citibank, I didn't even bother tryng to lend them some money recently, when the time came to shuffle my accounts around. It was more or less the same with Intelligent (sic) Finance - which had the cheek to ask me how much I…
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isa v bank account calculator
Hey all I'm looking for the calculator which tells you whether or not you'd be better putting your money in an isa or a bank account , depending on the rates. I've seen it before somewhere. can anyone help? thanks
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Capital Gains Tax bed and breakfasting
I know that now you cannot sell and buy back your shares to cut capital gains tax. But I read that the restrictions (I think it's 30 days) only apply if you are buying back exactly the same shares. Would it therefore be possible to sell an allshare FTSE tracker and re-invest the proceeds into a FTSE 100 tracker the same…
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Isa interest
Hi All. Quick Q! If I transfer my existing ISA balance over to a fixed rate 2 year ISA with another provider, what happens to any interest I have accrued to date. Is that calculated accordingly and transfered with the balance over to my new account. Or do i just loose it as interest is calculated annually. Sorry may seem…
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Barnsley 4.80% 3 yr fixed savings bond
I found this bond on moneyfacts. Anyone any idea if this is a good deal or is it still best to go for 1 - 2 yr bonds?
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Best childs regular savings account
Hello! Looking for a little advice, if i may. I would like to open a regular savings account for a child and I am unsure which would be the best option. I am looking to deposit £250pm for 11 years until child is 18. Grateful for any advice given, thanks in advance.
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Daughter's savings in with my own
Hello - My daughter wants to save £100 in a high interest account and also have access to it if she needs it within a year (she will be travelling), which I realise won't be possible. Would it be sensible for me to put her £100 in with my savings - and work out her interest at the end of the year. Does anyone know if that…
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Halifax reward current account
Halifax reward current account and pass the £1000/month and will pay you £5/month (net) . Does the exist customer eligable have this offer ?
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Bonds
Hi, I am thinking of taking out a 3 year bond. Is the interest added yearly or at the end of term? And if I close the bond say in the 3 year and its got a penalty clause; would it be only the 3rd years interest I would lose? Many thanks.
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Invest in Fine wines?
I have been approached by a company called European Fine Wines (ef wines) It was a cold call, freindly chat, sent me some literature through the post and then came on with a call about returns etc. Their logic is that the far east is buying lots of French wine and its a good medium to long term investment. What bothers me…
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fixed rate bond for my child
i have a childrens savings account for my daughter that we pay £20 a month to, but it isn't paying much interest, so i was thinking of taking it out and opening a fixed rate bond, and locking it away for some time. but who's name do i put it in, with one of the best fixed rate bonds for over 16's at 5.30% with YBS, and one…
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help with savings
am trying to save to move out, the average flat around here is around £120,000 am trying to save at least 10%, and so far i only have £6313.01 i want to make as much interest as i can before i move out, thing is i don't know how long more it will take me to save that much. I have an isa with £80 in it, i did make an ok…
