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What to do with foreign currency cheque?
Hi My nan from Australia died last year, and the executor has sent me and my two sons (3 & 5yo) a cheque for AUS$3000, and 2 x AUS$2000 respectively. What is the mosy economical way of getting this into an account/changed up? It is a regular cheque (from Westfalia bank if I remember, its sat on the side at home) and is…
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ISA Funds Help plse
Hi I am about to set up an ISA on HL and am looking at doing a mix of about 5 of these funds to start off with. Does anyone have any comments on these, are they all different enough and not all of the same risk category etc etc? Blackrock CIF Pacific ex Japan Equity Tracker First State Asia Pacific Leaders Henderson…
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Savings Interest Calculator??
Is there a calculator on this site which will tell me what I can expect to get from a savings account per month if I choose the to take the interest monthly ? The only calculator I can find tells me what the total will be at the end of the savings term once I have inputted how much I have to save, interest rate and tax…
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What would happen to RBS?
Hey guys, before midday RBS has already managed to bleed away 9.5% on the market. What would happen to the bank, surely the gov cannot allow it to crash? :eek: http://www.advfn.com/lse/SharePrice.asp?shareprice=RBS
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Lump Sum to invest
I've been reading posts on here, but non of them seem to fit my situation, so I'm asking for some advice, please. Recently retired, I will be a non tax payer. I do however, have a modest sum to invest for about 5 years. Within 24 hours of the lump sum arriving in my current account the bank rang me and I've just been to…
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How do you motivate yourself to manage your money?
Hi (not sure where to post this question, but here it is) I am struggling to motivate myself to manage the family finances. I do & review monthly where I spend (using YNAB) but still have list of thing that I would call outstanding from a moneyMakeover. Thing like set up equity saving for #1 son as #2 son has one due to…
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unclaimed dividens
Hi folks, I am trying to find out information about the following companies with respect to due dividends. Any advice/information would be greatly appreciated!! LATTICE GROUP PLC PACIFICMEDIA THINK ENTERTAINMENT PLC HANOVER CAPITAL GROUP PLC DATRONTECH GROUP Michelle.X
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FTSE All-Share Index Ranking
FTSE All-Share Index Ranking Hi all i am looking for a FTSE All-Share Index Ranking list of some sort by marketcap does anyone know any websites that produce and upto date list ? thanks
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funds
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Interest Yearly or at the end of the Term
Just wanted to be sure I have understood. When saving in a fixed rate account for a fixed Term for example 5 years at 4.6%, is the interest applied each year or at the end of the Term? Thanks Also can you choose to have the interest paid out to you or does it remain in the account?
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save or pay more off mortgage.
Position - £38k in a halifax cash ISA at 3.2% net £14k in LLoyds Vantage at 2.37% net £23k invested in shares £8k cash uninvested in stocks shares isa £20k in NS&I index linked Owe £123,000 on mortgage at 6.39% 25 year fixed, am overpaying at moment that if continue shall pay off in 13 years. Should I change allocation to…
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Yorkshire Building Society - dividend info
I have various UK stocks, the dividends of which are paid into my YBS easy access account. The problem I have is that the dividend credit never shows the source stock of dividend i.e, BP Dividend or HSBC Dividend, just "a generic dividend line and credit amount. So I do get the stock dividends okay (i think) - but its hard…
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Financial adviser/investments
Hi guys I recently bought and paid off a house in the UK, i rent it out through my estate agents. I would have liked to do it privately but I work overseas and just wouldn't have the time to do so. Living in another country while investing in property is difficult to keep up by yourself. Would you recommend a financial…
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what to invest in
£15000 to invest, don't want tie up for more than a year, and don't need to touch it, how the does the Newcastle BS at 3.55AER sound to you financial whizzkids?
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Scottish Friendly Child Bond
Hi all My question is 2 fold. 1. I am looking to put away £25ish per month for my son (10 yrs old) until he is 21. Is this SFCB one worth doing? 2. My son has £5.5k saved thus far and were going to lock this into a fixed bond - at the moment 4.2% seems as good as it gets for 5 yrs? Though about an account that plays the…
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private pension overseas
Would like to invest into funds in order to save for retirement. I live overseas. I don't get the tax relief that UK residents get. Is there at least a way that I can save for retirement in a tax-free way? Thanks.
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Regular Savings
Hello all, As by the title, i was looking at getting another regular saver as i believe i could get more interest than from my normal saver. Do you have to hold a current account to be able to apply for the regular saver? I was also looking at the Santander First Home Saver, same question really, do i have to hold a…
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Newbie AMC/fund makeup question
Hello, I wonder if you can help. I have relatively recently set up some funds in an ISA with Hargreaves Lansdown and I am trying to get my head around the fee structure. The funds I am all picking all have the initial charge rebated, so fine. However, how does the AMC/TER get charged? Is it built into the price of the fund…
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Santander eSaver - monthly or annual interest
Hi guys About to open a Santander issue 4 eSaver account with 3.10% AER. However, it says: Get a rate of 3.10% gross/AER (variable), which includes a variable bonus of 2.60% gross/AER for the first 12 months from account opening. If you choose, you can receive a monthly interest rate of 3.06% gross/AER (variable). This…
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What are your savings for and what's your target?
So...been having a think about what I want to do with my finances lately and got to thinking "What different savings should I have?". And I don't mean, I should have an ISA, an instant access, a couple of premium bonds. I mean an "Emergency Savings", "Car MOT/Tax Savings", "Holiday Savings" etc. So, due to a "not so great"…
