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The Derbyshire NetSaver is now offering Electronic payment transfer instead of BACS
Went to transfer some money out of my Derbyshire NetSaver, and before you had to choose between BACS or CHAPS transfer out, it now gives the option of doing an Electronic payment transfer (Payments will arrive by the end of the next working day). Something they would have had to implement as of Jan 2012, but they have done…
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ns&i and inheritance
What happens to your ns&i savings certificates when you die? Must they be cashed-in and the money distributed according to your will, or can the certificates be bequested to someone who can carry on owning them?
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Tesco Bank IL Retail Corporate Bond
Warning: this is not a cash deposit, so no recource to FSCS and you could lose all of your investment. An 8-year index-linked retail bond has opened for offer. Indexation of both capital and interest - but the base for the coupon is 1%. Min £2000 initial. Gains will be taxed as income if not held in a tax-free manner.…
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Krbs
Hi, I am considering opening a fixed rate bond with KRBS. Anyone had any dealings with them? Feedback good or bad? Cheers, Andy
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Seeking advice with savings options for my inheritance
Hello, I have recently inherited £30000 from a relative. In short I would like some advice as to what is the most beneficial way to save the money. I'm aged 17, currently still at high school and going onto university next year. I would be willing to tie it up for a maximum period of 3 years. With my very limited knowledge…
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Forex and FSA protection, clarification needed
Can anyone answer this: I am considering starting some Forex trading on MT4 with someone like Alpari or FXCM running a micro account. I have live chatted to reps from both brokers regarding FSA protection, but I am still unclear. The reps say that the FSA protection is £50k per person per Firm. So say you open a trading…
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Which savings, investments and risks?
Hi all, I'm aware some people use ISAs, some have regular savings accounts, some have pension funds, some buy things like property or gold. I'm completely ignorant of the different options available for saving money, investing money, preparing for the future (retirement etc) and what all of the pros and cons are. My case:…
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How can I be assertive with pushy bank clerks/managers?
Sorry if this isn't the right place to post this. I called my bank to ask them to write me a cheque (savings account money) however the clerk inundated me with question after question 'what is the money for? did you find a better interest rate elsewhere?' stupidly I replied 'yes' and she came back with more questions 'what…
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Government Bonds Broker
I was thinking of investing in government bonds (other thank UK). Can you recommend some good brokers ? Thanks in advace
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quick savings?
all, I have maxed out my Isa for tax year 2011-2012. I am currently saving for a property so wish to get my money out of my current account and into a savings account asap. I have tesco credit card which has another 9 months interest free so I am left with a lot of spare income each month. The idea of the account is to…
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Save £X a day in December thread...
Have been looking for a thread in which people put away £X a day in December, (I rem there being a November one) can anyone point me to a thread for December please?:beer:
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Vinculum - new style 'tracker'
An interesting concept http://www.thisismoney.co.uk/money/investing/article-2067289/Vinculum-Bold-new-fund-charge-fees-beats-market.html I'm not sure that I fully agree with the concept but it is an interesting new take on tracking an index
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Chorley BS Santa Saver maturity
I just remembered that my Chorley Santa Saver issue 1 matured last Friday, 25/11 Does anyone know if Chorley still transfer the balance to the Paid up share account on the 25th of November? Also, I see that it is now a closed account but still paying 5% gross. Can we still continue to save for another year or will we have…
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Santander Shares tax
Please would anyone be able to tell me why I have to pay Spainish Hold Tax on my share dividends? I don't earn enough to pay income tax and I don't pay tax on my savings, so I do not understand why I have to pay tax on my dividens. Before the Abbey became Santander I didn't pay tax. I have written to Santander to ask why,…
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Post Office(Bank of Ireland) - FSA
Hi I'm considering investing in the PO Inflation Linked Bond. At the moment Bank of Ireland (UK) is protected by the FSA £85k guarantee. But as this bond lasts 5 years, am I at risk if the FSA withdraws their license during that time especially as B of I have been accused of deceiving FSA to get the license? Any thoughts?…
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Funds or Trusts?
Hi, I'm looking to diversify my portfolio by using Investment Funds or Trusts. But I'm not sure which is the best to use. I'm leaning towards Trusts as there is no annual management charge, correct? The trusts which I'm looking at are: JPM Emerging Market, Standard Life Smaller UK Companies and Murray International Trust.…
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Pension/Savings as Property vs Gold vs Diamonds etc
Hey all, I understand there is risk in everything, there is no 100% safe way for us to save or invest our money but in this increasingly unstable world, I would love to understand the different options and the realistic benefits vs risks of each. :)
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Money basics for dummies
hello everyone. i've hit 40 and frankly haven't got a clue about money, but want to learn as much as i can. Can anyone recommend a "money for idiots" style book that will cover all the basics about all the differnt kinds of money / finance, explain how it works, all the different terminologies etc? thanks hj x
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Aiming to save £100 in Dec...
Are there any threads where you save per the day? If so can anyone let me know? Thanks:beer:
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Savings account help.
Savings account help. anyone know if i would loose the bonus interest if i stopped using the account for example[IMG]file:///C:/Users/Jack/AppData/Local/Temp/moz-screenshot-3.png[/IMG]Coventry BS: Easy access 3.15% APRYou can make 4 penalty-free withdrawals per year rate: 3.15% AER variable inc 1.15% bonus would i loose…
