-
Emmie's £60,000 Extension Fund Diary
I have been a regular on the debt free wannabe board for the past two years and keeping a diary helped me to become debt free a couple of months ago:T, I now need a new challenge:D. A bit about me I am 28 and married with 2 children a dd 4 and ds 6, I work part-time and earn about £24000 pa my husband also earns about the…
-
westbrom isa offer gone???
is it me or is the websave isa westbrom disapeerd?? and is the northern rock isa 3.05% any good ??
-
interest rate - very basic question
please forgive my ignorance... if a savings account has a 2.8% gross/AER what's the net interest rate? thanks!
-
CFD providers
Hi Hope I have the right place to post this. Am considering a punt at CFDs (contract for differences). I have never gambled so not going to do anything reckless - but am intrigued to "invest" a small amount and see how my investment skills are. I am fully aware of what there are, what the risks are and how to use them and…
-
Fixed rate bonds
I have noticed that recently the best rate for fixed rate bonds seems mainly to be available by postal application does anyone know why they prefer post to online applications
-
Savings Account Help?
Hi Was looking for bank account advice - really don't understand these things at all! I have about £2000 sitting in my current account (HSBC) not earning much interest at all, so I'd like to put the majority of it in some sort of savings account. But there are so many options and I don't understand them! Cash e-isas,…
-
"Do Your Own Research" - How?
OK a real noob question I know, and one of many I'm going to be asking over the next few weeks. I'm considering buying individual shares in the future but would not pull the trigger on a share unless I understood the company's fundamentals and its prospects for adding value. I guess many people buy shares because they are…
-
Fund managers
Hi folks. I've not really got a huge amount invested at present, however I've more or less paid off my mortgage and will be saving a substantial amount over the next couple of years. What I want is your opinion of managed funds vs just picking shares yourself. I must admit I do not like the idea of someone syphoning off a…
-
Inflation Adjusted Since Year 2005 USA Economy is in Recession
Trade unions in Switzerland claim they have collected enough signatures to force a referendum on a proposal to introduce a minimum wage of 22 Swiss francs ($25) an hour. That is about twice the minimum wage of 9 euros ($12.40) in neighboring France. A spokesman for the Swiss Federation of Trade Unions, or SGB, says more…
-
Which Investment Fund
Hello, I'm looking to put up to £20k into an investment fund. I've used my full cash ISA allocation this year so I can look at potentially investing some of my cash in an equity related ISA this tax year. I'm looking for a fund that has reasonable AMC/TER charges with no initial charge. The fund needs to be of medium risk…
-
Warning for people using Hargreaves Lansdown
Hi, I am invetsed in a few funds within my Hargreaves account. One fund charges 5% fee, but HL discounts this to 0%. However, I found out by chance after speaking to someone at HL that the fund had 'soft closed'. This means that the fund still accepts payments, but the discount no longer applies, so Im being charged the…
-
ISA overpayment
I transferred a cash sum into my stocks and shares ISA, sufficient to pay it up to the end of the current tax year and to enable me to purchase more fund units. However, I forgot that my regular saving into the ISA by direct debit was due the day after. As a consequence, I now have 1,000 more in my ISA than I am allowed.…
-
Halifax have lost my interest
A word to the wise. My 2-year fixed savings account matured last month. Although the capital was put into an account with them, the interest has disappeared into the atmosphere. After half an hour on the phone I was told this was because, in changing the accounts on offer since merging with Lloyds, my original savings…
-
Beware of Halifax new savings rules
I've had two-year fixed savings accounts with the Halifax in the past. One has just matured so opened another one, this time for 3 years to get 4.1% fixed. However, just in time, I spotted that, if I close the account before the 3 years are up, I'll lose 270 days' interest. This will be taken from the original amount…
-
Tesco interest rates?
Is there anywhere on the new all-dancing, all-singing almost impossible to log onto Tesco banking site that gives the current rates of interest being paid?
-
wich savings account???
hiya basically i have a loan going out every week at £30 there abouts and it ends next month. i want to start savin that money after it ends, but i dont want to be able to touch it. what can i do with it? laymens turms please lol im only 22 lol
-
The Real Message from the latest Coutts / AIG £748M bailout ?
Yes folks, if you missed it, the message you were supposed to hear in this morning's news was that the FSA has fined Coutts £6.5M for daring to sell top people products tied up in AIG bonds (remember AIG was the massive American Insurance Group that would have toppled like another Building 7 after Lehmans was demolished…
-
! Help needed - current account/savings !
Hi all ! I have saved up some money in my HSBC current account (£5-10k). Need advice - how can I make this money work for ME !!!!!! HSBC suggested a flexi-saver account (no card- so money is safer than in my current account and funds can be moved around instantly). This seems a good short term idea for safety sake. I have…
-
Contrarian reading list suggestions
I have read "Smarter Investing" by Tim Hale, am halfway through "The Intelligent Asset Allocator" by William Bernstein, and have "The Intelligent Investor" by Benjamin Graham on the pile. While none of the content is new to me, I've only met it before 2nd and 3rd hand on investment sites such as monevator, and it's good to…
-
investing for 89 year old.
We are about to invest 300k on behalf of an 89 year old parent. Minimally we need £350 per month to help pay care home fees (the rest comes from other income) but we want to make the money work, albeit with a cautious approach. Considered bank fixed rate bonds and OIECs, using ISA allowances were possible. We realise…
