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Saving newbie
Hey, I'm looking to open a saving's account, or something similar (if there are other things), and I have absolutely no idea about saving accounts, banks or interest rates, so I'm hoping someone can give me some good advice :) . I earn at least £1000 a month (sometimes going up to £1300, depending on the shifts I get that…
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any platform better for investment trusts?
If I've chosen a few ITs I like, is there anything to decide between platforms? I believe that ITs have no renewal commission and presume that no platform can avoid stamp duty. So is it simply a matter of dealing charges and customer service? And annual fee if I want to ISA-wrap, which I can't at the moment.
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Do you have to pay tax on second home that family are living in?
Hi, My parents are thinking of realising equity in their property to buy a second house for me to live - am moving to the area and my house hasn't sold so will be renting it out. I will need to live in this house for 5 - 10 years. After this time my parents will either rent it out or sell it. Their current property will…
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Buying Gold
Any thoughts on whether its too late to get into gold now the price is so high? I've seen fairly credible articles about gold potentially heading over $2,000 / oz over the next year but looking at charts like on thegoldbullion.co.uk/gold-price-chart on the 7 day chart I see the price dropped 10% in two days!
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Santander eSaver issue 4
Hi, Is this the sort code 09-01-28 I can't get a response from CS
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Ing Isa Transfer Problem
Hi - I'm a newbie! I'm having great difficulty transferring an old Isa from Ing to a Halifax Isa a/c. Halifax told me to set up a money transfer but Ing will only allow you to transfer to a current account - presumably, if I transfer to a current account then I will lose the tax free status? How on earth do you do it?
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Kids savings Accounts
What is the point? I have tried finding a place for my daughter to save her pocket money/birthday money/christmas etc and have been looking for 2 years now. Accounts earn less than .5% normally Banks are never open after school or Saturdays unless we drive her to a town center pay to park. Its all cost I can't afford times…
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put shares into ISA?
I have shares in RBS and Santander. Would it be advisable to put these into an ISA wrapper or just kept as 'paper'? Would it make any difference at all? I haven't used my ISA allowance yet for this year.
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Whiteaway Laidlaw
I'm interested to hear of other people's experiences, positive or negative, with Whiteaway Laidlaw Bank. Mark
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Lump Sum Investment Advice For Expat
Hi, I hope this is the right thread but I would really appreciate some thoughts / advice on my new financial situation. I am a recent expat (outside of EU) who is currently selling his property in the UK. I anticipate to have a sum of £500k. The reason for the sale is to hold the cash for upto two years and buy again in…
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Gold price to go steady, dips imminent?
I've been fairly consistent in predicting when dips in price of gold are imminent, up to now. Maybe this is when I get my judgement call badly wrong. If so, then start preparing the humble pie. The points in favour of rises are same as they ever were, printy printy, coming home to roost. The ever increasing money supply…
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Gold price to go steady, dips imminent?
.......... Double posted. Go away. Gold is a waste of money. You'll thank me for this advice.
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Online banking abbreviation "B S S T X Q TFR" - what does it mean?
Greetings, Sorry if my question is not strictly about money issues, but I have just seen some strange events in my barclays accounts: On 11 july, I put around £200 into my barclays isa account (transferred from bank account), then was off for holiday, when I am back today, I saw this amount plus a small amount of interest…
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Strange letter from HSBC
Just had a letter from HSBC which seems a bit odd. It's headed "Your Statement" then has our names and address, sort code and account number. It says there's a leaflet enclosed for our information, any questions contact our branch. The leaflet's headed "Boiler Room Scams" and basically warns against them, (they promise…
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Lump sum investment
Hi All I'm moving to a new job in 3 months time and i have a lump sum of £25,000 from my previous employer which i don't really need to dig into at present as i have no debts apart from my mortgage . What should i do? I have approx £85,000 left on my mortgage. Do i pay off a chunk of that or invest? Do i invest in ISA's or…
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Options with £10k savings
I am currently a 4th year university student with ~£12k savings. Until now I have been keeping all my savings in an instant access savings account (~3%) followed by feeding it into a number of regular saver accounts (~4%). I have recently learned of stoozing, but feel it unlikely that I will be able to get a credit card…
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How do I sell?
Hi there. I wish to do a one off deal and sell my last share holding. I have a share certificate for 150 shares. Value in the region £100. What is the cheapest and easiest way of doing this. As I will not have any further use for it, opening a online account seems hardly worthwhile. However if I go down the High Street…
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CFD traders, I need a few minutes from you!
Hello everyone. I’m writing my MSc dissertation and I need some help from you guys. The dissertation will focus on behavioural finance and I’m looking to interview someone who trades or has traded CFDs (possibly with IG markets, but any CFD provider will be ok). You choose if you prefer to be interviewed via Skype (video…
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Are financial advisors/fund managers harming your returns?
A piece wrote by Warren Buffet on the matter: How to Minimize Investment Returns It’s been an easy matter for Berkshire and other owners of American equities to prosper over the years. Between December 31, 1899 and December 31, 1999, to give a really long-term example, the Dow rose from 66 to 11,497. (Guess what annual…
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Advice needed on house sale proceeds
Hi, I badly need some advice on what to do with the proceeds from the recent sale of my house in the UK. I moved to New Zealand in April so am no longer a UK resident for tax purposes. I have retained a current account with Santander as well as a linked savings account which pays 1% interest for amounts over £50,000. I…
