-
Clueless - what's the best way to save for my child?
Hi, I have never really had any savings, and I'm ashamed to say that I'm totally intimidated and confused by the products I've been looking at. I have a 7 month old baby. She was born just in time to get one of the last Child Trust Funds, and I've invested her £50 and had set up a direct debit for £20 a month. However,…
-
West Brom Websave 3.06%
Not as good as the current Derbyshire offering, but here it is: http://www.westbrom.co.uk/westbrom/savings.product?id=5977&category=52 Websave Easy Access 2 account has minimum balance of £1,000 Ts & Cs says only 1 account is allowed per customer - but don't know if this applies for those with the original Websave Easy…
-
Coventry Poppy Account to 3.15% From Today
Thought the worthy of a dedicated thread: Seems like the top of the table is hotting up with Coventry now offering 3.15% AER with the poppy account. A direct responce to Barnsley BS 3.11 product. It not on their website as of yet but I imagine that it will be updated soon.
-
Where to invest £50k
Hi I'm after some advise please. I have £50k to invest. I already have a ISA which I fill every year. I would like to invest the £50k for my retirement. I am 40 years old and have no pension. Answers on a postcard please !!!! Many Thanks.
-
R03 - Exam
Hi, Has anyone sat the CII R03 exam? I have it in 3 weeks and I am struggling with the txt. I have R01 and R06 but this one seems much tougher and only 1 hour to do it in. Any hints or tips would be much appreciated. Regards
-
Advice Regarding Company Savings Plans / Do I Cash In ?
Hi Forum :) I have twelve regular savings plans which i have taken out once or twice a year for the past 7 years through a company scheme since i began working there. The total amount leaving my account each month for all 12 has built up to just over £300. The first plan will mature in 3 years followed every 6 to 10 months…
-
Contacting Santander by telephone
Can anybody help me get through to Santander by telephone? I have rung their complaints department and online banking department but despite successfully passing their telephoning password screening for them to give me my current balances I cannot get any further as whenever I pick option 9 to speak to an advisor (which…
-
Halifax Reward Second Account
Dear all, there are many reward account queries, so I will try to keep this brief. We are 3 brothers, we each have a Halifax reward account. I have read you can hold an additional joint Halifax Reward account. Between the three of us, how would we go about getting joint accounts? How many can we have between us? (We don't…
-
cashing in investment plan / unit trust
I have had a Personal Investment Plan with Halifax since July 2000. It was a fair amount (more than £20K) and based on FTSE 100. I realise now that I was buying when the FTSE 100 was around 6400 and the value of the fund has nearly always been down for the last 11 years. I got 1 statement in 2008 I think just before that…
-
ISA allowance and capital gains tax allowance
Thinking of opening a stocks and shares ISA, but have already sold some shares this tax year, using up some capital gains allowance. Is the ISA allowance separate from the capital gains allowance? Or are profits in stocks and shares ISAs not treated as capital gains?
-
Investing in Japan or emerging markets, what do you think?
Who else is thinking investing in Japanese funds might be a great idea right now? Things seem to be on the up since the disasters, and retail sales have increased for first time after the unfortunate disasters (source: investoo.co.uk ). Any one out there already investing in Japan? What do you think of the situation at the…
-
Investing in Stocks and Shares
Mods, please remove.
-
New Job-Pay Rise-What To Do With Cash
Hi Got a new job, yippee and my pay increase will give me a extra £167 net a month, what would you with the extra? 1)I have had no pension for the past 10 years as current company didn't have a scheme, so if there is a company pension put it in there? ( I have 10 years worth from previous jobs)? 2)Save it I save £300 a…
-
Fidelity, Commshare & Cavendish
I have my Fidelity funds registered with Commshare so I get half the trail commission - I want to register them with Cavendish now to get 100% trail commision - can I just re-register with them without telling Commshare and assume it will be cancelled automatically? cheers fj
-
Coventry Building Society
I have it in my head that I was getting 4.01% interest from February for one year against the standard 3.05%.Am I wrong or was there a special deal last February. I have looked at my paperwork and can't find anything to confirm it. Is there anyone who can help Regards Morris
-
Inheritance
My sons and neice have inherited a very large sum of money between them, to be held in trust until the age of 21. My son has severe learning disabilities and is likely to never have the ability to take care of his finances once he's an adult. Does anyone have any advice regarding investing such a large amount of money,…
-
Investing £250k - advice please.
Dear All, I apologise if this one of those perennial postings that comes up but please bear with me. I have £250k to invest and need some advice. Aged 61 , I am a self employed plumber and plan to retire at 70 and currently have very limited pension provision. Fortunately my wife and I own the house outright and have no…
-
Investing to avoid inflation and instability
Hi, I recently finished uni and have unspent student loans which are currently being eaten by inflation in my useless student band account. I currently have around 8k I want to put in different places to ensure that eurozone and dollar crises don't cause another banking meltdown. I was planning to put 3k in gold and 1k in…
-
Is there a maximum fee that brokers can take on buying/selling shares?
Is there a maximum charge that broekrs can take on execution of a trade that is FSA imposed?
-
Thinking of buying gold bars !!
Just looking at the gold prices, I am thinking of buying 2 gold bars (each 100grams) in Birmingham. anybody had any experience? Can we make any bargaining? I know in India, we do it but is it the same here as well in the jewellery quarter?