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Christmas Saver
Hi All, Was after a bit of advice, I opened a Christmas Saver account which had a very nice interest rate on it of 3.5% which advised it pays this on the maturity date which is 30 November 2011. I have been advised today on what this is and it is much lower than what I thought it would be. Apparently the 3.5% is paid…
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What to do with 3-4K for a year??
Hi There, Perhaps somone may be able to offer me some advice. I have already placed the maximum available in a cash ISA for this next year and I have about 3-4k to put somewhere else for around 12 months. Does anyone have any recommendations on what I could do with it for 1 year to get a good return? What are the best…
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Blackrock Hedge Selector and Liontrust European absolute return fund
In yesterdays Sunday Times there was an article about spread betting and CFDs which I read as I have never understood how they worked. I certainly wouldnt want to attempt this type of trading myself but I was interested in the last paragraph: "If you would rather have an expert do the work for you, Mick Gilligan at Killik…
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Savings/Shares with Anglo-Irish Bank
Hello, I was just wondering if there is anyway my mum can get her money back from Anglo-Irish Bank. She hasn't done anything about claiming for the money she invested with them because she doesn't think she will get it back. I'm not entirely sure if she had savings or shares with them. If you have any ideas how she can get…
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Lloyds TSB tracker bond
Just had a call from my bank as my matured Kent Reliance bond had entered my account, £29K. The bank (lloyds TSB) suggested their 18 month Tracker Bond at 3.25% (gross) 2.75% above base rate. Obviously can go up or down. Only one deposit allowed, no withdrawals. I have 2 Vantage accounts already and have used up my ISA…
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Mozambique currency (Metical)
Hi all, I just read that Mozambique are doing pretty well at the moment and that there currency belongs to the strongest one in the world. Has anyone an idea how we could profit from this trend? Could we invest somehow in the Mozambique stock exchange. Even better, is there a way to have a bank account denoted in Metical…
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childrens savings???
ok so im getting debt free (eventually!) and have switched my account from halifax to natwest so i cant go over the high overdraft i have with them! anyway i have a childrens regular saver for my 1 year old daughter which currently only has £300 in it but im saving £20 a week to it, what should i do with it? the natwest…
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since when did the word 'plus' mean 'included'?
Hi, I opened an account with the West Brom Buildings Society with the headline rates listed as 3.17% plus 1.42 uncondition bonus (up to 31st oct 2012). It turns out that the interest is not 'plus' but actually 'included' in the 3.17%. I was looking forward to an additional 1.42% on top... but I was told today this was not…
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Best way of splitting savings?
From January, DH and I are looking at saving £500 a month. He's already applied for some shares as part of his company's ShareSave scheme and is expecting that to be about £75 a month. What's the best way of saving the rest? Neither of us has an ISA or anything at present - we're probably looking to spread the risk.…
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Barnsley Fixed rate bond closure
Hi, I have a 1 year fixed rate bond with the Barnsley building society and I want to withdraw my money from it. I have just been made unemployed and I need to get access to this money. I have £31,500 invested in this bond. On their T&C's it says that it can only be withdrawn in the circumstances of critical or terminal…
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Post Office Online Saver Issue 4 - Payments In
I opened one of these accounts in July of this year and have been in the habit of making payments in using Barclays Internet Banking via a transfer using the P.O. Sort Code and Account number. Just had a payment in bounced twice with a message that the sort code and/or account number are not recognised. Looks like they are…
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Santander Savings Scam?
I received an e-mail, supposedly from Satander, the e-mail address is an A&L who I did previously bank with before the takeover. The link it directs to looks very suspicious but the page itself looks very similar to the Santander log in page at a glance, what is throwing me off is the e-mail content which states, Valued…
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Threadneadle UK Equity Income Fund - Cash it in?
Please help a complete novice! In 1996 my wife and I got our first mortgage. It was an interest only with Threadneadle saving plan. Very soon we realised that this wasn't for us and ditched it in favour of a repayment so only paid in to it over 2 years although I imagine the finacial advisor at the time made a pretty penny…
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SANTANDER rip off
I had a ISA Account with Santander for some years, to date. 3 and half years ago they offered an ISA with 10 % interest. It was Linked to another account Direct Share Investment. the direct share investment was to be locked away for 3 1/2 year term. So I had 10k in both accounts. this equals= 20K in accounts of santander.…
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How safe is an AA savings account if the Euro goes?
I have some money (quite a bit) saved in an AA internet savings account which was offering the best savings rate at the time. I have just had a look online and it seems the AA is owned by Lloyds Bank. How safe is this? I know Lloyds are not doing that well as it is and if the Euro goes tits up, is this likely to be one of…
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money gift as a mortgage deposit
I have been gifted £10,000 to use as a mortgage deposit. This is part of the mortgage deposit and the remainer will come out of my savings account. Would it be best to have the money gift put into my savings account first or would it be best to have a cheque for that amount made out straight to the building society. I dont…
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SelfTrade - Client Money or Deposit
Anyone else with SelfTrade and received the communication regarding opting for your cash to be held as 'Client Money' or Deposit' (with SelfTrade)? From my limited understanding it all really comes down to FSCS protection, i.e. on deposit with Selftrade you have the £85k protection (but you know where your cash is and how…
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£20,000. To save.Best tactics ???
I have £20,000 which I intend to use to buy my wife and I cash ISAs. One each for 2013-14 and one each for the following year.I am going to deposit £10,000 in a one year fixed rate saver and the same amount in a two year one.I already have next years covered,any comments on weather this is the best tactics? Thanks cslogg
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Other investments?
Hi All Just wondering if you guys could suggest some alternative investments for me to consider. A bit of info to help... I'm 27 earning 35-40k a year, currently have about 50k in a S&S ISA in a decent spread of blue chip shares, I'm happy with this and don't want to change anything here. I would like to consider a BTL at…
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Fsavc
Hi, 10 years ago, I moved abroad after getting divorced and continued paying into an FSAVC that matures next June when I will be 49. I am now aware that I should have stopped paying the money and so am wondering what situation this leaves me in? Any help appreciated. Andrew
