-
R85 - non-taxpayer?
Hi, OH and I have recently moved abroad. We have approximately £16.5k spread around various UK bank accounts at the moment, across a mixture of his/mine/joint bank accounts, including an ISA each. The bulk of this money comes from having sold our car in the UK, rather than money we have 'saved'. The car was sold for less…
-
Private Banking
Does anyone use a private banking service to look after their finances? Any recommendations and how have they helped you - in particular are you nearing retirement like me or actually retired? Cheers fj
-
Alternatives to Egg money manager
Hi, I was wondering if any one had alternatives to egg money manager, perhaps one supporting investec and iii? I know of the first direct one but the website is down, and well with Egg I don't want to have to set up an account with them just so i can use it! Thanks!
-
£70 a month
Hi best place to save £70 a month for my old age.
-
£15k to invest - where to start...
I am about to receive £15k and trying to decide what to do with it. My thoughts are: Top up this years ISA - £3k ish Possibly invest in a stocks and shares ISA Open a regular saver account - £300 per month ish Over pay the maximum on my mortgage - £400 a month If I over pay my mortgage and set up a regular savings account,…
-
Lloyds not paying interest
Hi everyone, I'm new to MSE. I have an Incentive saver account with Lloyds that states "No interest is paid on the full balance for the month in which a withdrawal is made" I made a withdrawal on April 6th (third working day of the month) but no withdrawals were made in March. Lloyds are refusing to pay me interest for…
-
Hung Parliament, strength of pound etc
Hi, First time poster, long time reader! I was wondering if there are any folks out there who might be able to lend me some advice. My wife and I are saving up to go travelling around the world for 12 months at the end of 2011. Now, I'm not asking anyone to predict the economy at that time, but given the very real…
-
will i get "fined" by bank for none debit transact
i made the mistake, by assuming that NS&I would not take money out of my debit card because i thought they'd want to do checks and stuff on me first, or at least send a letter to my house. but anyway, they attempted to take the money out today and i diddnt have it in my account; as i dont like leaving a large sum of money…
-
Savings interest and Self Assessment
My wife has been asked to complete a self assessment for last tax year and so has to declare savings income. Her NS&I guaranteed income bond pays out monthly interest direct to her bank account. The interest is calculated on the same date each month, i.e. the 3rd but interest is usually received a day or 2 later. The…
-
Managing ISAs from abroad
I've recently moved abroad - I had an existing ISA with Alliance & Leicester. They now want to close my account since I am no longer resident in UK however according to HMRC - I can keep my ISA - just cant deposit in. Does anyone know if any other banks would let me transfer the ISA over?
-
severance pay to invest
I have just received a severance payment of £50,000 and am looking to get the best return possible taking low to medium risk over a 5 year period. i would like to have the ability to obtain some of the money if required during the 5 year period. I have never before been in a position to invest funds and would appreciate…
-
ING Direct account Now 2.75%
Hi all As above really - you can now (new customers only) open an account for 2.75%, rather than the previous rate of 2.50%. Not much I admit, but for instant access, other than the AA, looks to be one of the best rates.
-
Can you recommend a S&S Index tracker ISA please?
I have been using the Fidelity UK MoneyBuilder Index ISA for the last few years but think I should move to a new index tracking isa with a different company to spread my risk between different companies (i.e. in case Fidelity goes bust: but that's already been discussed on an other thread, so let's not go there right…
-
MSE News: Switching amnesty for cash-rich Santander/A&L savers
This is the discussion thread for the following MSE News Story: "Those with more than £50,000 combined in both banks can withdraw their cash, even if it's locked away ..." Read the full story: Switching amnesty for cash-rich Santander/A&L savers
-
Why the silence on the Icelandic Volcano?
Why, with such a potential Black Swan event unfolding because of the events with Iceland's Eyjafjallajokull Volcanic eruption, is everybody so *quiet here. Apart from one thread asking about the effect on gold, were are the warnings for people to check their portfolios and see how exposed they are, to Airlines, Aircraft…
-
Interactive Investor Portfolio Builder
Hi Can anybody clarify if I can use the Interactive Investor Portfolio Builder to buy shares twice in the same month? I know it gives four dates per month to invest but reading through the set-up information it says investing as one off or monthly, does that mean I can only use it once per month?
-
old bank account
Have been sorting out paper work when i came across an old TSB bank book. The last time it was used was September 1981. The balance was 71 pence, i would have been 8 years old. Would this account still be active after all these years ?
-
Gold price after air lockdown?
How will the markets respond, this is disrupting £, $ and Euro zone. I reckon gold will spike.
-
Investing for retirement
I’m thinking of regularly investing small amounts (say £50 for now) into some kind of investment vehicle with a view of having a pot of money to party with when I retire, in 30 years or so. From what I’ve heard/read, unit trusts in an ISA wrapper is the way to go. I’m quite ignorant about funds and shares and indeed…
-
No Tax
Hello New to this board and I know nothing about savings. My Dad wants to open a Savings account. He has worked full tie until Sept 09 but now he is off sick and won't be going back to work and is likely to be medically retired. based on this info does this mean that he's a non tax payer? Any info greatly received. Thank…
