-
Need to open a Savings Account for my Mum
Hello all, I need some advice on the best way to do this. My elderly mother wants to open her first account and put away roughly £1000. The problem is that she doesn't have internet access and does't really want to do much other than put the money away and forget about it. I happy to set it up and manage it, but is this…
-
Health/Pharma/Energy/Agriculture Funds - Your thoughts?
Hi While I have had a couple of responses on this on a previous thread I wanted to get more opinions/thoughts/comments on the following funds: Health/Pharma/Energy/Agriculture Funds The above are all necessities for all countries regardless of the economic climate. To varying degrees we all need food, health/pharma is…
-
Any low risk ways to beat savings interest?
Any suggestions and what kind of return I would get? I looked at a FTSE 100 tracker but it wouldn't have done very well over a 5 or 10 year period.
-
Are these funds ok?
Hi Im new to this and going to be investing small amounts in 4/5 funds every month, i am happy taking risk but not sure on my choices as theres so many too choose from! First State Global Emerging Mkt Leaders Class A Accumulation Aberdeen Emerging Markets Accumulation Shares JPMorgan Natural Resources Accumulation Units…
-
Santander eSaver interest - monthly
I recently opened the Santander eSaver account online. During the process I was looking for a selection to choose monthly interest, I never saw this. So the account has opened and is paying annual interest (guess its the default). I have rung customer service and they have told me I cannot change the interest payments once…
-
Am I aiding/abetting fraud-ISA?
A friend of mine emigrated to Thailand several years ago, she does not plan to return to UK. Just before Christmas she asked if she could use my address for correspondance for her UK bank account (which her state pension is paid into) as they wouldn't allow her to keep her UK bank account open without a UK address to send…
-
Icic bank
I have a account that matures on the 22nd of April. the best deal ICIC bank are doing is 2.25% over 12 months. Have they stopped doing 2,3,4 rear fixed accounts
-
Tax on Joint Savings
I have a joint savings account with my husband. I am now a higher rate tax payer, but he is not. If we keep the account in our joint names, will we have to pay the higher rate tax on all the savings? If so, would it be better to transfer it into just my husband's name? Would I still be able to access it if this is the case…
-
Switching ISA for rates
Hey guys, I am somewhat new to the forum. It’s that time of the year where we can top up our ISA's and the Barclays one I have is paying a fixed rates, most ISAs have increased and I thought that my one would increase as well. I have maxed out my ISA each year and I have about £9k after 3 years. I just wanted to know if…
-
This is where my Vantage money will be going
http://www.newcastle.co.uk/savings/PremierBond Think I will stick it in here when Lloyds drop there rate on the Vantage accounts .Unless anybody has a better idea Regards
-
RPI Uncompounded Interest over 5 Years
I've seen a couple of accounts giving interest based on RPI change over 5 years, but there seem to be unrealistic quotes of 20% or 30% change in that time. The ONS web site publishes an RPI CSV file, and if you look at the 5 year rolling change in RPI, this did rise to about 30% around 1991, but since then has been nearer…
-
New allowance for last year's ISA
I opened a Halifax ISA last Autumn, and put the max in. On the 5th April I got some interest credited and it now says that I can put a further ~£5k in. If I don't want to use Halifax again, can I open an ISA with another provider now that I seem to have another one with Halifax? What about if I put ANY money into the…
-
SW UK Tracker Fund ISA
Evening folks, very very new to investments, have decided to open a Scottish Widows UK Tracker Fund ISA paying £100 into it per month to see how it works, do appreciate that its a long term investment and may rise and fall but just wondering if anyone has any advice or past experiences with a UK tracker fund isa? Thank you…
-
shareprice.co.uk Android App
Does anybody use this? I'm trying to get an idea of data usage before I enter into a new mobile contract. Thanks
-
thoughs on the following shares
what are your thoughts on BEM RRL XEL I am heavily in XEL (70% @ 240 average) happy days :) and RRL (20% 19P average) and have just taking cash out of BEM with a 31% profit waiting on them to fall back into the 40s as they have a month + to go before any more decent news. looking to get back in to them in 3 weeks ish.…
-
What happens if I close annual interest savings mid-year?
If I have a variable rate savings account with no penalties for withdrawal etc, what happens if I close the account mid-year? Will they pay me all the accrued interest I would have got at the end of the year, or do I have to leave the account open until the annual interest date in order to get that little extra bit of…
-
Ipo
Hi guys i currently have a stocks and shares isa with iii and a halifax sharedealing account with halifax (so technically they are both with halifax) anyways i am looking to particpate in the glencore ipo and was curious how i would go about doing this? also how much it would cost (in comission not actual price) i have…
-
New To Investing
Im new to investing and just wondered if you could give me some advice. I would like to drip feed around £100 a month into an emerging markets fund and my investment horizon is quite long term 20+ years. My risk tolerance is quite high so i im not bothered about up and downs. I was thinking a tracker emerging markets fund…
-
cash ISA's
How many cash ISA's can i open per tax year? I opened one before the 2010/2011 deadline.. Can i open two this year? One with santander and one with Barclays? Thanks in advance
-
Santander Warning
If anyone has Santander accounts you need to be aware of this. I only have a FISA not a current account or e-savings so it didn't affect me much. I've just taken out a new e-saver with Santander. This DISABLED my online access. When I phoned Santander to find out why my password no longer worked I was told that whenever a…
