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Where have the Regular Savers gone
What are peoples thoughts on why there have been no new regular savers for a few months now? I wont look at anything below 4.5% as you might as well take a 2 year fix beneath that level. I thought banks and societies were after our money?
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Question re Sainsbury and HBOS/Lloyds
Hello I thought I'd posted this question, but can't find it so my apologies if it's already out there ... I am thinking of opening a Sainsbury saving account which currently has a rate of 3.2%. This website suggests that it is not owned by anyone else so I should be covered to the full £50k under the FSCS in the event of…
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Lucky position
Due to cashing in all my defered pensions I am wondering what to do with £80000 lump sum and £750 a month pension. I am the wrong side of 52 and still working. Should I increase my stake holder pension and put the lump sum in a 1 year bond if so which one :confused: Thanks
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£52K - Where to deposit
We have just remortgaged and released £52K equity from a property of ours. We are looking at spending about £10K on refurbishing the place, and some money will go towards clearing credit card debt. THe rest we want to keep and will invest in buying another property when we find it. But what is the best option to deposit…
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How long do I have to keep savings records
This is the paperwork from the bank or building society. Also can I scan in and throw original papers away to save me some space? Thanks to anyone who can help.
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20k gift - Tax and savings help!
My parents would like to give me help towards a deposit on a house. Where is a good place to save it until I'm ready to buy and can anyone tell what the tax implications are?
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Halifax Childrens Regular Saver - can't work it out
I opened 2 of these accounts on 8th November last year and set up standing orders for £100 a month. Now the T&C's of this account state that I had to deposit an amount up to a maximum of £100 a month for 12 months to qualify for the 10% interest to be applied. If the accounts were closed early (before 24th November,…
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NS&I Bond Interest Penalty
Their bonds have an early withdrawal interest penalty as below. Except where paragraph 25 applies, a penalty equivalent to 90 days interest on the sum requested, at the rate your Bond is earning on the day before the day you cash in, will be deducted from the amount to be cashed in. This penalty also applies to Bonds held…
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Best account for irregular saving.
Hi New to the forum,Please could someone advise me the best account for depositing only,I wont be making any withdrawals,over about 5 years.Regularly about £60 per month,but I want to also deposit any spare cash I have each month.I've opened the Halifax and RBS 1year 5%already. Thanks
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Help with Sainsburys Online Saver application
I'm trying to open a joint account but when I get to the bit where it asks you for the deposit amount, it always says: Sorry, you have entered invalid details for your Deposit amount. Please try again. :( What am I doing wrong? Even entering a figure of £1000 or higher gives the same error. Thanks.
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Best savings account for a regular monthly payment?
My wife and I are currently in the process of selling our house and buying another. After initially opting for a particular mortgage lender (and term/cost etc.) we have now been offered an interest-free loan from a family member, for the amount (£55000) we require. We have two insurance policies which are due to mature…
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sport picks exchange
Lots of people must be interested in picks exchange around here. Smart sports betting is one of the easiest and best investments. Send me a list of your subscriptions (even free ones) at elibethwinner@gmail.com or by private message. I will reply with mine and we'll start the exchange after that.
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Fund Portfolio
I want to transfer my cash ISA into a stocks & shares ISA, using funds for diversification, and also purchase some other funds - outside of the ISA wrapper (I don't want to deal in shares)). Has anyone any experience of using the online brokers, such as TD Watrehouse, The Share Centre, Interactive Invester ect, and how…
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2 year fixed to open with electronic transfer?
Anybody know of a 2 year fixed savings account with a reasonable rate that can be funded by BACS transfer or debit card transaction. (I need to avoid any HBOS linked.) I have a Halifax 5.2% about to mature - which I can move out by BACS (no Halifax cheque book) - so I'm just trying to minimise the "in transit" time by…
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Lloyds share sale(Right Issue)
Hi, I currently have 2208 shares valued at £2,099.81 If I take up the share sale offer, then I will need to pay around £1,000. And then to recover all this will take months. Can I sell my original shares at £2,099.81 now and then wait for the share sale to happen, and then once the share price has hit the rock bottom after…
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Reference number question
When I tell one bank to send money to my Barclays cheque account and I have to fill in my sort code, account number and reference number: What should I put in for reference number? Thanks
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Tax status and 12 Month or Less Fixed Rate Bonds
Hi, Did you know that from this year, that these bonds will have the interest paid Gross and not Net, if the total investment including the interest is £50,000 or more, whether a single or joint account. That will mean filling out a lengthy tax form for each one, which I can tell you is a pain.:mad: These accounts are now…
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Hiccup on Lloyds banking website?
I checked my account online on the 22nd, I had previously withdrawn £10 on two occassions, however my statement said I had withdrawn the money on the 23rd and 24th! At the time this was in the future so was obviously wrong! I gave Lloyds a call to check everything was right and to be bothered they were not interested and…
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Question of the week: Tax on savings
Q. I'm a housewife earning £2,000 from a part time job, but have a husband pays income tax. Can we open up savings in my name to receive interest without tax being deducted? Terry by email Martin's A: Yes, yes and yes. It's a great way for a couple, where one earns less to gain. Under 65s can earn up to £6,475 from work…
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Ing
Has anyone noticed that it has been almost impossible to log on to ing today
