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Birmingham Midshires telephone account
I'm looking for a new "instant access" home for my savings as the bonus on my Bradford & Bingley account is about to expire. I have found Birmingham Midshires Telephone Extra Account (Issue 2) which pays 2.75% annual or 2.72% monthly. I need monthly interest and unlimited penalty-free withdrawals, which it offers. This…
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Save for a house deposit
Any ideas on the best way to save money for a house deposit? Does anybody know how much you would need as a minimum deposit to put down say on the average house price? I would appreciate any feedback.
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2012 End of commission - any impact on existing products?
I understand that from the end of 2012 all commission-based sales of financial products are to end and be replaced by fee-based sales. Is this intended to be solely a change in presentation? That is, will the overall cost to the purchaser be the same but just in a different format? (Financial providers and advisers still…
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OEIC's and Unit Trusts
Is there any real difference between investing in OEIC's and Unit Trusts? I appreciate that OEIC's are replacing UT's and the difference in prices, but is there any real reasons why I should worry about which type I invest in? Robert
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First Time Home Buyer Share ISA
Hello All, I have about 10K in cash IAS that i have saved towards my house deposit(first time buyer). With my cash ISA interest rates being so low, Am I better off transferring the cash ISA into a Self Select Shares ISA?. I already hold 1K in Fidelity Money Builder growth fund and 1K in Newton Higher Income fund and they…
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saving for a house deposit
Morning everyone, I reckon this query is more related to savings than housing, but feel free to move if I've misplaced. Basically, the OH and I are moving in together at the start of June (renting, £500 pm). I'd like to be nosy and ask you all how you saved for the deopsits for your homes, did you set up ISAs/put away a…
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Stop! Isa thieves campaign
Savers with fixed-rate cash Isas need to move their money when their deal ends - or they could end up earning as little as 0.1 pc. If you fail to act when your fixed-rate deal runs out, some banks and building societies move your money into an account where you earn a pittance. Or you have to give them a month's notice…
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Starting from scratch.
Hi there, I'm really interested in the stockmarket and have a small amount of money to invest. I'm brand new to all of this, so really I just need the idiots guide! Is there an idiots guide? "Trading for dummies" or something? Hah. No seriously though, where do I start and how do I go about it? I'm thinking of starting…
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Regular DD vs irregular savings?`
I'm aware there is a system of savings accounts whereby a set sum is taken from a current account into the savings each month. (Or am I making this up?) Do these generally have good rates of interest? Currently I transfer money between current and savings accounts manually, as I have a very varied income and outgoings.…
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About to open Prince Reg ISA. Who do I make the cheque out to?
This may be a silly question. I assume it is to myself but just wanted to be sure.
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30 something newbie
Hello, I am a newbie to this forum, I am in my early thirties and while I have earned a good income in the last few years my savings record has been abysmmal... i have recently cleared my overdrafts and i would like to save ... every one around me is comfortable with debt or living from had to mouth so i am looking to keep…
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where to invest kids inheritance
My kids have recently lost both their Gran and Great Gran in the last 2 months (on my ex's side). They are due to inherit at least £500 each from their Great Gran. Where is the best place to invest this for their future? My eldest is 14 and may want to access the money for driing lessons in 3 years time so it needs to be…
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Investment publications
Has anyone used this site and how good were the publications? http://www.shortcutpublications.co.uk/ cheers fj
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£750 per month to put away long term.
Dear All, I have just completed maximising my ISA's for 2010/11 & am looking to put away £750 per month which I can afford to leave untouched for 10 years.Appreciate this is very long-term!.Will max my ISA allowance each year with Invesco Perpetual Funds & Hargreaves Lansdown. Am wondering whether NSAI's are a good option…
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Savings Account Query
I just opened a Online Saver account with A&L and noticed the interest is paid in October every year. The account has a 12 month bonus so obviously I would be looking to move the money over to a higher rate account in April 2011. Will I be paid any interest due between October 2010 and April 2011 if I close down the…
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Broker advice - moving from HSBC Investdirect
I have been using HSBC investdirect for some time. Their site is unimpressive, but it did the job, and it was convenient because I bank with them. They have just announced that they will increase their charges starting May 1st, and I don't think it's worth keeping my investments with them. I have had a look at the usual…
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adult trust funds?
I have been left a sum of money but the will states I cannot have access to it until I am 25 and that my parents must keep it in trust until that date. I am 21 and happy to wait for the money but I need to find somewhere to put it in the meantime and any trust funds I come across are for children. Can I get any savings…
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ISA for non Tax Payer
Hello there, I have a question and am wondering if you kind gents can help me. My mother who is over 65 has joined me here in the uk (with indefinite leave to remain) and has lived in Africa most of her life and therefore not a UK tax payer. She has a over 10,000 pounds of savings that we would like to invest in an ISA (or…
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Iceland and the Bank of England Scandal
This will !!!! off those of you who saved saved with Icelandic banks. http://www.thisismoney.co.uk/news/article.html?in_article_id=502749&in_page_id=2&ct=5
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Having all money in one bank
We have current accounts with First Direct, and our mortgage with HSBC . FD, I understand, is a member of the HSBC group. I am considering moving our ISAs to FD too, as they offer a good rate with a minimum of fuss to open them. Neither ISA is over £50k and are, obviously, in separate names. The mortgage is in joint names.…
