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Spend or save for future?
I'm approaching 30 and just trying to review my finances for the future. I feel that I'm doing okay but could maybe do better with saving. I earn a reasonable wage which I guess is around the UK average. I have a few thousand in an ISA account but at the same time I have some minor debts which are higher than what I have…
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Preference Shares?
Just a quick question, if a preference share has a nominal value of £1 and is 8%, would you get two divends per year of 8p each (such as interim and final) or just one of 8p at the end of the year? Thanks
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Is this a boiler room scam
Company calling themselves Gresham Associates in London. Cold calling offering a 'great deal' to invest in shares in a company called Timberlake Energy Solutions Inc based in Kansas. Anybody had any dealings are heard of anything of these?
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Bank Account Incentives
Tried posting this at the end of another thread but got no joy so try again. re the A&L Premier direct current account, can anyone tell me if the following is feasible? I have £12000 which I can stash away, but rather than tie it up for a year or two, I wondered if I could do the following? 1: I open up an A&L Premier…
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Anyone any ideas on how to get a 12% annual return?
On say a "bank" of 3k, how do you think i could get a return of 1% a month? Aim would be to make miniumum 1% a month, maybe even aim high and go for 2% if possible. Any idea? About £30 a month min return from £3k bank.
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day trading / stock market online trading
Hello all, Having always had great advice/views on here I thought id ask about the above - Its obviously for my benefit & i am aware of some of the pitfalls but would be grateful opinions, tips & places to research. I work from home (mostly) & can find some free time & for a while had the thoought that I could maybe boost…
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could I have some advice please (which accounts)
Hi. I need to shift my savings as soon as possible. HSBC are doing nothing for me. I have £3650 in an isa but have not put this years allowance in yet. I have a further £7500 in my current account. Both are HSBC, neither pay any interest. My needs are Accessability and able to add 700 per month savings.
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Abbey 8.5% account lies!
Hi I opened an Abbey current account last year with the promise that if i paid in a set amount of money every month for a year, i will get 8.5% interest. I :mad:even checked at the local branch, so i followed the instructions and at the end i got 2% interest and they deny all knowledge, the bank manager later told me it…
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I came across this product (7% p.a.)
I came across this product – basically it’s a tax free with products policy paying 7% p.a tax free compound for 10 years. Put in £270 a year and you will get back £4k minimum. It could be more but the minimum amount that you will receive back is £4k. Normally I would steer of these types of investments but I think the…
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Lloyds Bank Rights issue
Opnions: is it good for the small investor?
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What to do with £120,000??
Hi guys, just looking for a little advise. Myself & my partner have £120,000 which we are trying to decide what to do with. As well as this we have a further £15,000 in a savings account that the introductory interest rate is soon to finish. The mortgage on our house only has £125,000 left but is currently on an interest…
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Internet easy access savings
Hi, I have just closed my Internet easy access Birmingham Midshires account because the interest rates are so low 1.83% please advise which other accounts come with recommendations regarding easy set up,operating and good customer service together with competative rates Thank you
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How do you read this ?
I queried the rate of interest I'm getting from Natwest on an e-savings account. I got the wrong information. Here is what their rates print off has to say. What does it mean to you ? e-Savings Including 2.10% bonus on new accounts from 19/09/08 until 01/01/09. I'm aware of the correct answer, I was just interested in how…
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What is ISA account
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Birmingham Midshires Bond
Hi I wonder if anyone can help me please. I am thinking of taking out a Birmingham Midshires Bond in the near future and am wondering if the identification process is easy. Do they use electronic id or do you have to send stuff through the post like bank statements (dont like that idea) etc. Also, does anyone have dealing…
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Which savings accounts are the best at the moment?
I'm just about to come into approx £7,000 I want to use it for a deposit on a house mid to late 2010. Any suggestions which savings accounts are the best out there at the moment? Thank You.
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Non resident savings accounts
Fixed ISA with Halifax has just matured @5.5%. Been out of UK/EU for more than 3 years so should be able to use R105 form to recive interest payments gross. As there are no ISAs comparable to the 5.5% that has just finished I have been looking into other accounts. Don't mind locking the cash away for a while but would like…
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Guaranteed Saver Halifax - how long to transfer your funds
My guaranteed saver matured yesterday and I tried to transfer the funds to my Halifax current account but I am getting a message saying it takes 48 hours. That money is now earning next to nothing as I had planned to move it elsewhere on maturity day - normally you can make an immediate transfer to the Halifax current…
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Principality Regular Saver Bond
My Principality Saver Bond issue 5 is nearing maturity. Does anyone know if they allow withdrawals by BACS or is it by cheque only? I've already received the maturity letter but there is no mention of how to close the account. Thanks in advance.
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Initial Saving Method
Hi everyone. Me and a partner of mine are looking to save £200 a month each in order to start a business up in the long run. However we have come into difficulty in deciding how to invest our money initally, as it seems almost worthless to deposit such low amounts at the current rate of interest in savings accounts. We…
