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ISA Transfer
Hi, I'm new here so if this is posted in the wrong section apologies. My question is, i have just transferred my ISA from Nationwide to a new lloyds cash ISA i have opened with them. However when i login online to Lloyds for my online banking it says i have used my ISA allowance for this year. Is that correct that if i…
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Where can I invest £100k?
Morning Firstly I'm rubbish with money, so sorry if this is a stupid question! I've recently sold my house so have £100k sat in my bank account ;) I've not found another house to buy yet, so need to put it somewhere! Now I've just sent a cheque off for Premium Bonds so that leaves 70k. The investiment is going to be quite…
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Financial Advisor - which are best?
Hi Folks, I currently have an ISA thats losing me money with the Brittania, I'm seeing their AXA registered financial advisor tomorrow. To see about getting me a better return on my savings. Would I be better off seeing an independant advisor? Will he be trying to sell me all of his commission based products? Any advice…
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Your experience with Stock market
I'm new to investing and I've read through all of Martins advice on Shares, ISA's, cheap stockbrokers etc. I want to know what everyone's experiences with the stock market have been. Obviously I know that there is a risk. But would you say it's 50/50 whether you make a loss or profit? What percentage would you say in your…
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Fidelity v. Hargreaves Lansdown?
Fidelity v. Hargreaves Lansdown?
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selling funds
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Putting shares in an ISA
How do you choose which of your shares to put in an ISA? I was thinking of choosing those that had made the most profit so far. What are the rules for holding international shares in an ISA? I am interested in some companies on the NASDAQ but I've been told only some are allowed in an ISA. Is it the same whichever…
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halifax investment death benefit
Could somene please tell me if someone invested £20,000 6yrs ago and it is worth £25,000 now how much would the death benefit be if the person that invested it past away. Thankyou
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Life insurance policy arrived
Hello, My mother's life insurance policy has recently been paid out to us. It's quite a substantial amount. It is to be split equally between me and my sister. My question is: What would be the best option for me to use to keep this money secure for my sister? It is about £10,000, and I would like to put it somewhere where…
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Stocks and Shares ISA?
Hi I have just moved last years ISA in to Halifax Direct Reward at 3% as they dumped it on the 0.5% saver at the end of the year. I also have some money in N&SI in an ISA. I was wondering how I could make my money work harder and noticed that Stocks and Shares (fund) ISAs seems to do much better. I don't mind tyring this…
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Whiteaway Laidlaw Bank
Just come across this bank while looking for a new home for some of our LTSB vantage money. https://www.wlbank.co.uk/home.asp Rates seem quite good on 60/90 days notice. Anybody have feedback, since I have never even heard of them. TIA.:money:
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kids accounts
have 2 interest zone accounts with the Coventry BS since kids were born. They are now 11 and 7. Interest is now pants so does anyone know where i should put their money now? the accounts roughly have 3k and 2k in them.
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santander 3% plus 2.5%?
Hi guys, does this 3% santander savings account with a 2.5% 1st year bonus mean i get 5.5% on my savings first year? Also, if i were to put 85k in- would i be taxed on my savings or interest? Thanks for your help, i know little about savings, etc. James.
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Share Dealing Costs
I want to buy shares on the NASDAQ. Can you tell me what these foreign exchange costs mean? Is it when buying or selling or both? 1st Stockbroker: Foreign currency conversions are required to facilitate the settlement of international transactions and include a spread, which can vary from time-to-time, applied to the…
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Santander - Preferred Current Account
Hello Everyone, I just wanted to share my positive experience of opening a Santander Preferred Current Account using their switching service. (Yes, you read correctly! Positive lol) I had read a lot of negative views on using Santander but the £150 incentive (£100 from Santander and £50 from quidco) gave me the will to…
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My portfolio - rebalanced
I have recently rebalanced my portfolio as I found I was massively overweight in Europe. I perhaps still am but see new monthly contributions below to provide correction. Anyway here is what I have now. Jupiter European Special Situations 30% Jupiter Merlin Worldwide Portfolio 30% Invesco Perpetual Distribution 22%…
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Bank switching and savings advice
Greetings all - I was wondering if I could draw on some of your collective wisdom to improve my banking and saving methods. My bank shifted out of town sometime last year and I'm looking to change and get some better interest. I'm currently with Halifax and have £4.5k in a student current account and £900 in a web saver…
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Claiming tax back on savings interest - R40
So a while ago, I sorted out my father's finances and filled in an R40 form for 2005-2006 tax year. Basically his private pension taxed him, which I successfully claimed back. The thing is, I also had to fill in the interest received from savings account. I only put what I could find. £1.58 taxed from his current account.…
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Unpacking PE ratio as crystal ball for lump-sum investing?
Unpacking PE ratio as crystal ball for lump-sum investing?
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opening a bond with natwest
Hi, im wondering if anyone can clarify something for me Ive got a bond with natwest which matures on 11th may and want to open a new bond once this one finishes. Ive looked on there website and there is a 2 year bond with the following infomation: £5,000 + Annual Interest3.40%,2.72% (after tax) it says Annual Equivalent…
