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Zopa's last Listing, six bottles of wine interest
Zopa's last Listing loan is in play. Anyone who contributes £10 at 1% will be entered into a draw to win six bottles of wine. Expected financial return depends on the value of the wine. If the value is £50 and the maximum possible number of contributors of £10 to the loan enter (1130) it's around 5% paid in advance for a…
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Ethical Stakeholder Child Trust Fund
Long question, but I am trying to figure out the following: will an ethical stakeholder CTF that only invests in UK shares that tracks the performance The FTSE4Good UK 50 Total Return Index potetnially give as much return as a stakeholder CTF that invests in UK and overseas shares and tracks the performance of a number of…
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OEICs verses Unit Trusts
I've just been calculating the cost of buying and selling Unit trusts, The spread in enormous, more than 6% in the one I was interested in. Can any of this spread be claimed back in any way? If not surely they are totally uncompetitive with OEICs. Why have they not all transferred over?
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NSI Index Linked savings certificates
Hi all, Would appreciate some advice...I don't fully understand the NSI index linked savings certificates..what interest do you actually earn? I know it is 0.5% above the RPI...but that does not mean alot to me... thanks
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Ah..! Pay off student loan? Savings? Leaving the country...
Ah! Please help! I recently received an inheritance of £14000 and had planned to invest this in my first property. Unfortunately, it's all fallen through recently and house buying is no longer an option. I have a student loan of £11000 and am leaving the country in August for 2 years. Everything appears to suggest paying…
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Saving for my son
My son was born last month. I am planning to start saving for him. But surprised to know today that government has stopped the Children Trust Fund Last year (I know I should read the news) and the new scheme will only be available at end of this year! What is the best option for me to do now? Does anyone know good saving…
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getting rid of the 1st direct "remaining" account
hiya, I've just left 1st direct.Got the £100 etc.I thought that was the end of the story, but no.I recieve a letter that tells me that apparently, I've still got an esaver account (which i've never, ever used, and of course they don't send me the account details etc in this letter..I think I've shredded all the paper…
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£65,000 lump sum help/suggestions
Hello, Looking for advise really this money is my mums which she has ask me to invest/save she is living with partner currently and working at a national supermarket i would appreciate any suggestions how to slpit this up and get reasonable returns my thinking so far cash isa £5340 stocks n shares isa £5340 emergency fund…
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Trust Fund Query
Would be extremely grateful if anyone can help with this problem regarding Trust Funds. My sister and I have become trustees for her grandson (age 14) due to my nephew having died and his wife having died previously. We have a trust deed drawn up by a solicitor which names my late nephew as the "settlor" and his son as the…
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Lloyds Preference Shares - How do I sell them?
Hi, I found a certifcate for 400 of these in a draw, I think they were issued as part of a building society conversion. How do I sell them?
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Cash ISA Transfer Allowed?
Hi All, My wife and I both have separate Cash ISAs with the same high Street Bank. To maximise interest we would like to consolidate the funds into a single account by simply transfering the contents of one into the other. The amount would be within the yearly allowance. Am a little green when it comes to such matters. Is…
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Can a person have more than one ISA account with multiple banks?
Hi all, I have an account with a bank but am looking to open another with another bank who has better rates. Is it legal to open more than one account with multiple banks? :) Stupid question but just wanted to check!
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MSE News: Financial compensation claims increase
This is the discussion thread for the following MSE News Story: "The number of claims made to the Financial Services Compensation Scheme has gone up by 25%, new figures reveal today " Read the full story: Financial compensation claims increase
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M&S everyday savings account
Does anybody have one of these accounts? I am thinking of opening one,the faster payment facility is the attraction. Anybody know how much can be tranferred by FP in a day? Have emailed to ask them but no reply yet. Would like to sort it today as present account looses its bonus soon.
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Best place to buy gold sovereigns
Hi there I've been looking into buying gold sovereigns and wondered if anyone has done any research on the cheapest place to buy them?
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Advice for children's account - while I make a serious decision
My mum has kindly given our children (2 of them), £10,000 each. I've not decided what to do with the money yet but while I do decide, I'd like to put the cheques somewhere other than my drawer. The cheques are in their names. Their ages are 5 and 1! What would be MSEers advice? Remember, I'm only looking for short-term…
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Should I cash all in now?
Several years ago I wrote in about these same investments and decided to leave them as they were. We have - 1. AXA Distribution Investment ICVC Distribution R - Income Shares valued currently at £7,758 2. Framlington UK Growth Acc Accumulation Units valued at £8,239 3. AXA UK Investment ICVC Distribution Class R -…
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Investment into the property in Bulgaria
I'm planning to buy some property in Bulgaria. Is it worth any attention or not? Its kind of complicated to analyse the market in Balkan region. Please, give me any comments and probably some good places for investment in EU
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Deposit Protection Scheme
I have accounts with Halifax and Lloyds, and share dealing with III - am i covered once, twice or three times because they are all interlinked? Do i need to be covered at all on III?
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Transfer of mums savings
My mother has said that she would like to transfer some of her £100,000 savings to myself and brother and sister.She lives in rented accomadation..Would this money be taxable and would it be taken into account if she needed to go to any care/ nursing home.She is in her 80's and very fit and healthy and independant ,and we…
