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Is Interest paid at weekends and bank holidays
Do banks pay interest for every day of the year or just bannking days . just was wondering, as I am in the process of making sure I move every penny of my money into savings accounts, and only have the minimum to pay bills so that every penny i earn makes maximum interest .I am even make sure what i spend makes money with…
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Shorting the FTSE 100 when high then buying when low
Hi all, I currently have a FTSE 100 ETF which I bought when the FTSE was about 5700 so I'm currently up about 5.5%. Since the markets are constantly going up and down, I have been thinking about selling this ETF when its up and buying a short FTSE 100 ETF. Then when its low enough selling the short ETF and re-buying the…
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Halifax Share Dealing Payment Delays
Just sent the following to Halifax sharedealing. Before anyone says it's my fault for not getting the timing right, I knew what I was doing. I don't need the funds in the bank account until next Wednesday but I have been burnt before by how this process worked. I wanted to make a complaint about it before I closed my…
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Santander First Home Saver, Small Print & Making a Large Deposit
Hello dearest moneysavers, I yesterday opened a Santander FHS with £5k. Pretty exciting, I know. I also have another large amount (£10k+) I want to put in it, as it is not forbidden by the conditions of the account. If you put in over £300 a month, you lose the interest for that month - but in the long run, gain more due…
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Unreliable ?
KRBS There was a time when KRBS meant the Kent Reliance Building Society. But then it ceased to be a building society. However it is still a member of the Building Societies Association. It also continues to trade as KRBS Which now means Kent Reliance Banking Services. How does this situation differ from "False Pretences".…
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Limit Orders
Does either X-O.co.uk or SVS Securities allow the scheduling of limit orders or something similar to let me: Order a BUY of xxx shares if share price falls to £x.xx Order a SELL of xxx shares if share price rises to £x.xx Set an expiry date for the above order I think X-O allows something close but SVS doesn't seem to have…
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first direct Cash ISA
Hello... I hope you guys can help me out please! I have had an ISA with first direct for many years now and each year add to it as they let you keep the same ISA instead of opening up a new one. It now has a balance of £13,000 meaning when I've finished adding this year's allowance it'll be over £18k. On their website it…
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Tax on Stock Trades
Hi, In addition to the brokers commission and Stamp Duty, do you also have to pay Capital Gains or other Income Tax on money made on a stocks & shares trade?
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Halifax Share Dealing £2 offer
Halifax are offering £2 real-time purchases on all UK stocks between 12pm and 2pm on 28th April. http://www.halifax.co.uk/sharedealing/events/
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Withdrawing money abroad using an ATM
Just been looking at the site and Nationwide seem to be the cheapest debit card to use abroad, but is there a way to get money out of an ATM cheaper using any other methods?
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Hope this comes back on.
From Martins tips. --- "The online Newcastle BS 5 Year Premier Bond (Issue 2) pays 4.4% AER - not bad for five years (top payer is 5.05%), but allows free withdrawals with 180 days' " Cant believe I missed this too after missing the Norther Rock ones. I got it in Martins tips email yesterday lunchtime, and when I managed…
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Any instant access saving account with good interest and using faster payments?
Can anyone suggest an instant or easy access savings account with good interest over 2.5% which uses faster payments sytem so I can transfer money from my main current account within hours rather than days Thank you.
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Reinvesting Dividends using company DRIPs
Hi all Quick question about DRIPs. I hold shares in an ISA with a broker (HL). They re-invest the dividends for me, but treat it like a normal share purchase, so I pay £10 dealing charge each time. It's clearly cheaper to actually be in the company's DRIP scheme itself. If I register in a company's DRIP scheme, what…
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RNS ALERT - shutting down
does anyone know any other good providers for RNS, I used to use these guys and they would send out an email per RNS but unfortunately the below has happend :( Dear User It is with great regret and sadness that I am writing to you to inform you that due to unforseen circumstances we are unable to continue with the RNSalert…
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£10 per month, long term investment
My nephew was born last year and I would like to invest £10 a month for the next 21 years. The problem I have though is that he was born in New Zealand and as such not a UK resident. Child Bonds and children's savings accounts seem to be out of the equation. Does anyone have any ideas as to where I could invest for the…
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Santander 3.5% ISA being withdrawn 30/4
Santander is withdrawing its best buy base-rate tracking Isa paying 3.5% to current account, mortgage and investment customers on 30 April.
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L and G Dynamic bond and other share ISA's Q's
What's your opinion on the L and G dynamic bond? Is there a way of seeing a fund isa's past performance over more than 3 yrs? On the fund fact sheet it says the minimum lump sum is £500 (minimum investment?) where as moneysupermarket says its £1000. Which one is correct? Is it generally a good idea to invest say £500/£1000…
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Pay Mortgage or Increase House Value?
Hi All, I would really appreciate your advice on a question we have. We brought a house a year ago with a 2 year fixed mortgage, which is 85% LTV. What we'd like by the end of the 2 year term is to have a 80% or better LTV which will give us more options with mortgages. So the question is should we put that money into…
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new born - savings account options?
Morning all We have a week old baby which is kind of scary & tiring - all good though. We have been given some money by our parents and friends etc which is very kind and we would like to open an account for her to put this money into. What would be the best options? We are aware that the CTF have been closed and that the…
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Savings & mortgage when bank goes bust
If a bank goes bust, losing your savings in the process, can it still expect you to pay back what you owe on the mortgage? Or can you legitimately net the two together? For the purposes of this question, assume savings in excess of the government savings guarantee.
