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Best way to invest???
Hi, My aunt has decided that she wants to give me some cash sums of money periodically to save up and give to my daughter as an inheritance when she dies (happy subject!!!). I really want to work out the best way to invest this money to get the best return, over approx 10 years (at least). It will just be a fund to build…
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First Direct
Hello People I'm looking at leaving Halifax (or at least switching accounts to another bank and leaving my Halifax account open) and wondered people's thoughts on First Direct? I've got a balance of over £25K I'm looking to keep in an account and wondered the best bank to go with when comparing interest rates for credit…
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I have 4K to invest
Can anyone give me some advice in simple terms cos I am a bit of a novice when it comes to saving! I have 4K to invest and I will not need to touch it for a year so would like to put it somewhere where it can earn interest etc I also have 2.5k to invest but separately as I will possibly need to dip into this within the…
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Best options for small regular long-term saving
Hi all I have a new nephew and would like to put away say £10/month for the next 20 years or so that I can give to him as a gift when he's older. I don't need access to the cash in the meantime, and want to keep this to one side of my personal savings. Not sure where to start with this - any pointers appreciated. Thanks
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Best savings account?
I am looking for a savings account. I have around £2000 that I can start it off with, and I will also be able to make monthly deposits (say £150 but probably more than that). I was looking at the Tesco savings account which has a good level of interest, but reading people's experiences on here it seems like it's a real…
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Hargreaves Lansdown
I would appreciate any comments on Hargreaves Lansdown and their Vantage product for Equity base ISA's. I spoke to them on the phone this morning and they were quoting no entry fees or annual fees (on the majority of their products). Seems to good to be true. Is there a catch that I am missing. Thanks Robert
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Kent Reliance any thoughts
Just wondered if anyone has had any dealings with Kent Reliance Building Society and if so what are they like? Thinking of opening a fixed rate 2 year bond with them grateful for all replies, thank you:beer:
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RBS & Lloyds Shares
Over the last year or so I have been buying Lloyds and RBS shares.. Upto now I have made okay returns and am looking to the future (ten years plus) for potentially great returns. I own about 2000 shares in each.. Just wondering if anyone else is making the same gamble and or has decided not to?
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Isa
where is best place to open an ISA at the moment..i am looking to pay in every month by direct debit. This will be my first attempt at saving as i have no savings at all :( thanks :rotfl:
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complaints
Does any one know where you can get advice about how long banks take to investergate a complaint been told 8 weeks and thats if i dont make another complaint. To any ones surprize its hsbc also would it be normal banking practice not to inform account holder about downgrading bank account ,or cancelling dd and standing…
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Geographical arbitrage
Can anyone please find any disadvantages of the following: as a U.K resident & citizen setting up an online brokerage account in the U.S in order to buy Vanguard ETF's such as, for example, their MSCI Emerging Markets Index tracker with a Total Expense Ratio of a mere 0.27% compared to the equivalent UK investor iShares of…
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Since 1935, the dollar has lost 93.5% of its purchasing power
According to the Minneapolis Federal Reserve, since 1935, the dollar has lost 93.5% of its purchasing power. But take a look at how well gold has held up: In 1935, when an ounce of gold was worth $35, you could buy:* a top-quality tailored suit for $19.75 – or 0.56 ounces of gold * a family car for $500 – or 14.3 ounces of…
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Why Are Silver Sales Soaring?
The U.S. Mint just reported another record, but this time it wasn’t for gold. The Mint sold more Silver Eagles in March and in the first quarter of the year than ever before. A total of 9,023,500 American Silver Eagles were purchased in Q110, the highest amount since the coin debuted in 1986. While this is certainly…
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Bond Clean & Dirty Price?
Hello, just a short question here: Which is best to use when calculating return? The Clean Price or Dirty Price? While I am tend to hold my gilts to maturity, I was just wondering... Thanks :)
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Saving for a deposit!
Hi guys and girls, i'm hoping for a bit of advice really. Me and my partner are saving up for a deposit on a house. We are first time buyers, i have residual cash but my partner does not. I'm a regular tax payer and believe i have about £500 spare a month. The only debt i have is my Student's loan. Currently sitting at…
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Stock issuing tips
Where can I find a website that tells us of new stock/shares that are going to issued? I am interested in having a small portfolio of shares/stocks Also, can someone tell me anything about stocks/shares that I probably don't know of i.e. how does the buying/selling of stocks/shares affect the price?
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Accumulation Units - Query within funds on how this works
Hi, I have some funds within my S&S ISA with H-L. 2 of which are Accumulation units and 1 of which is Income. I set my account to auto reinvest income but obviously Accumulation sort of does it itself. I did know (but now cannot find it again without e-mailing them) - what is the amount that they will autp reinvest for you…
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Highest rate ISA or savings account
Whats the best rate I can get on a savings account or ISA?I'll need the money in just over a years time.Could go ISA or savings,just looking for the highest rate.I have existing cash from an ISA to transfer in if its an ISA.Could go fixed or flexible, fixed isnt favourable, but possible.
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Undertanding Safety of "Safe" investments
I'm struggling to get to grips with whether "Capital Protected" investments with Banks or BSocs give the full 100% of the £50,000 FSCS. i've read the article http://www.moneysavingexpert.com/savings/safe-savings and spoken to several advisors, but I'm not getting a consistent answer. Santander advise that such an…
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Password Tools - Invalidate Banks T's and C's
I notice with the new Barclays T's and C's you invalidate your fraud protection if you use one of those aggregation tools - I assume they mean something like Lovemoney.com. I wonder if there is a risk they will extend this to include tools that manage passwords and offer an online storage facility for them - even if you…
