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Advice/Direction needed for IOM administrators
Maybe I am off subject here but I have been around the boards looking for the best option. I am seeking advice on selection of an Isle of Man administrator company that I can move my small property holdings into. I already have them in a limited IOM company but I am just totally dissatisfied (that is quite a mild…
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Planning for the Future
In the last month or so, I've: 1) Started a company pension, paying regularly into my SIPP 2) Started paying regularly into my SIPP, a Post Office savings account, and am buying Premium Bonds with any cash left over at the end of the month etc 3) Found previously lost Company Pensions and amended that investment to my…
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Terribly rude service in Halifax - withdrawing money
Hi there, Today I went to withdraw £900 at my local Halifax branch. I filled in a slip, had my provisional drivers license with me and of course my card. The woman was very blunt and when I showed the slip, seemed shifty then asked me "where did the money come from?" Surely she can't ask that!? How rude! I told her it came…
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Advice for what to do with 5k
Afternoon, I'm looking for some general advice for what the best thing to do with 5k+ is. Me and my partner both have the max amount we can have in ISA's and currently have 5k sat rotting in a Halifax current account. We are first-time buyers and want to be able to act quickly if the right property comes up, so fixed term…
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Tax threshold DECREASED for 40% tax payers
Hi, I fall into this category whereby the interest accrued (annually) on from savings will just take me over £35,001 (my salary being approx £34k p/a) - the new threshold set in 05Apr11! In order to keep the total below the £35,001 threshold should I consider moving my saving to a an interest rate which pays next to…
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where and why with 3k
i have 3k i will not need it for at least a year where and why is the best place to put it?
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If inflation is here to stay, which asset classes to buy and which to dump?
Commodities = Buy (as long as the £ doesn't weaken against the $)? Bonds and Gilts = Dump (unless they are floating rate on RPI or equivalent)? Housing = Possible either way (inflation may move prices up, but purse-string tightening may move them down)? Does that seem about right? What do others think will good buys/dumps?
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Savings for Children
We are looking to put some money away for our children which we don't want them to have until they are in their early twenties,have looked into it and decided to go with the post office. We have a choice of a bond or a trust Which one would be best as we want control over these accounts Thanks
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Childrens Gift Plan with Pearl
It seemed a good Idea 14 years ago to Invest in a with profits gift plan with pearl. It's not a vast amount of money but the idea was to have something to give to each of my 3 boys when they reached 21 years old. The 1st one is about to payout but the 2nd and 3rd are 2 1/2 years and 5 years away from maturing. Problem is…
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Manchester Building Society Info & Depositor Guarantee?
I recently opened an account with the Manchester Building Society -- they have a 2.71% account going on there. :T Anyone know much about them? They employ systems that seem to have resurfaced from the 1970's: Deposits from only an account in your own name (No direct deposits from lawyers if you sold a house for example),…
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My very first post - totally confused
Hello All! I have been 'a ghost' visitor on here for many years, browsing the isles, so to speak but now I have joined to ask a question. My question is about TRUSTS. Here is the situ. I have a relationship that is over 10 years old. I have my place (rented), he has his (bought outright). We are not married or engaged. He…
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How do you stay liquid without sinking?
Few savings accounts match inflation. The best seems to be First Direct's 8% monthly saver, but you can only save £3600 max. Lloyds Vantage offers 4% on up to £21000 with conditions. (Gross rates quoted.) I'm not a fan of fixed term bonds, partly because you risk missing out on higher rates in the future and partly because…
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What does de listing on AIM mean
Hi, Wonder if anyone can help me regarding shares I had in company that has de listed themselves from AIM due to not completing their accs in time. They are still trading, and now looking at returning to AIM. In essence my question is if they do return to AIM do I still own shares in the company, or are all shares…
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Inflation and Savings for 2011
Any advice: I'm 17 and in full time eduction and need to do something with my 'nest egg' before it starts to shrink. I have about 5k in an easy access account that is earning no interest. I am trying to secure a safe arrangement so my savings are not affected by inflation. I know there have been inflation beating accounts…
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Lost isa - help needed
Hi, please help me!!! I have lost the details to a cash investment i made in 2001. I took out an ISA for a few thousand pounds with a company which i can not remember the name of. It was set up in 2001 and i have no correspondance from the company and have since moved house. Is there a way a can trace the ISA or is there…
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Choosing Wealth or Discretionary Management Service?
Does anybody have any suggestion or links s as to how to go about choosing and assessing a Wealth or Discretionary Management Service? Up to now I have managed my investments online via multiple agencies such as Bestinvest (ISAs and Fund portfolio), Hargreaves Lansdown (SIPPS) and multiple building societies for cash etc.…
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FTSE tracker funds – anything to compare between them?
I plan to buy a property (or have a sizeable deposit) within three years and have £50K so far. I can save £20K to £25K a year in the meantime. a) £25K is in an Investec High 5 account, getting 2.91%. b) £7K is in a 2006 ISA fund, even though I am not a UK resident right now. c) £7K (was £6K) is in those BP shares I riskily…
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Cash ISA Transferr Question
Hi I find transferring isa very confusing. I have a cash isa with Standard life that I open on 30/01/10 and have paid money in (last time 2 weeks ago) so subscribed to the 2010/11 tax year? But the interest rate has now dropped so looking to transfer money but do I have to wait till 6th april 2011 as I've subscribed to…
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40% tax for regular bank savings
Hi all, I am a PAYE who pays 40% tax. I was discussing with a friend who said asked if I fill out a tax return, which I don't, because I figured I was paying 40% PAYE and didn't have any investments etc and the government took all my money at source. He says I need to pay 40% tax on any interest I recieve on any savings I…
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Help?
Hi there, I'm a student currently studying at 6th form college and have been struck with a dilemma. I've been applying to music colleges and it's all a bit up in the air at the moment but i want to start saving for either my accommodation or for my back up plans if this all fails and i was wondering which is better for…
