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What can be done about HL?
I'm not sure if anything can be done to regulate the nonsense they come out with but this has really annoyed me. This article : http://www.hl.co.uk/funds/fund-news-and-investment-ideas/fund-news--and--alerts/schroder-uk-mid-250-research-alert Ok its the same garbage they quite often come out with and the article looks…
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Debt Free soon and need advice on savings/Investments minefield
Just joined forum today and need a few pointers about smart ways to save a bit of cash. Been looking at ISA's and various other savings accounts but not sure which best suit my needs. Also there must be other sensible things i could do with my spare cash every month but i dont know where to start. Brief description of my…
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Account privacy question
Hello, new here so I hope this is an appropriate place for this question. My wife recently opened an account with the Halifax. They would not accept a mortgage statement we have with them as proof of identity/address. My wife brought in our joint account details instead - one that we have with another bank. She assumed…
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ns&i warrants
Hello (Wasn't sure which thread this post belonged in so please feel free to move it to appropriate one if need be) I have a query regarding NS&I warrants. As you will probably know, they are basically cheques made out to myself, in recompense for premium bonds, etc which were held. I would like to know if it is possible…
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Vanguard Lifestrategy - Which one?
Hi all, Looking for help again. I have decided to put a couple of old cash ISA's (approx £10k, currently getting 3% in cash) into a S&S ISA and after doing my homework, I'm heading towards Vanguard Lifestrategy. I'm 34, so on the principal you should hold your age in bonds and the rest in equities to total 100, this puts…
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Anyone with Virgin Money
I am thinking of Transfering 5k to a new cash isa Virgin Money account, is anyone with them , how are they?
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We must not forget NAT WEST GREAT deals
Hi All Thought i would just chime and and say- NAT WEST seems to be forgotten when it comes to savings rates- they are doing an ISA now for 2 years at 3.5%- in the high street-- go for the 3 yr and its 3.9% Not bad for the hight street bank- open saturdays with human people working in the banks that speak good english
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Fuelling the oil price - FT video
I found this a good explanation of oil prices. FT - you may have to register if you want to see http://video.ft.com/v/1453440693001/Fuelling-the-oil-price
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Investec High Five or High Ten?
High 5 issue 2 is similar to issue 1 except with a longer (6 months) notice. The High 10 has a 3 months notice. The question is which is the best account to go for? Currently the interest rate differential between the two new accounts is 0.06%. It is a shame that there is no past data between the average rate of Moneyfacts…
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Natwest Cashback Plus
I've just had an email from Natwest - an exclusive invitation to their new debit card loyalty programme, apparently I pay in £1000 a month so qualify for the scheme (I don't know where they get their info from as it is under that amount). I don't use my debit card, so probably won't benefit. Linky…
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Saving advice
Hi everyone, I was just wondering if you could help me, I am lucky to have cleared all my debts by cutting back on unnecessary spending and by doing that i've learnt that I can manage to live happily and still be lucky enough to now be able to save about 600-800 a month and I was wondering if someone could advise me on how…
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Linked Accounts - alternative to Standard Life
Hi there, I currently have 3 accounts - short term, medium term and long term + my wife has 3 accounts - short term, medium term and long term with Standard Life. They are separate accounts so we can keep track of things BUT they are all linked so that all our interest is pooled. Standard Life have just told me that they…
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Help - newby wants to self invest
Hi, I would like to invest in a stocks and shares ISA. I do not wish to use an IFA. Can anyone suggest a good internet based broker I could use? I understand that my best option would be an ISA which is tracker based. Also I would like to gamble 500 quid on some diy direct share buying (FTSE linked)in order to gain…
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Hey - It's a living
Sorry did not mean to double post can you delete admin?
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esaver statements
In a pickle regarding esaver statements. Obviously you don't receive paper ones so over the years have never kept them, only the tax certificates. Now being self-employed and having to keep records etc i have realised the situation i am now in. Is it sufficient to see money going out of the main account and being returned…
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CASH ISA Query
Hi First Post I have enquired about a Natwest Fixed rate ISA. For 2 years, the rate is 3.5%. But if I do a 'transfer in', it becomes a preferential rate of 3.9%. I do not have an ISA at the moment, so can I open an ISA with another provider (i know the limit for the tax year is £5340) then transfer it shortly afterwards…
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Can I open then transfer new ISA?
Hi. Could someone please clarify for me, thanks. I want to open a two year fixed ISA with Natwest @3.9% for transfering my existing ISA from 09/10. This is a special rate for transfered ISAs only, usually they pay 3.5%. My question is, can I open a variable rate cash ISA with someone else for this tax year then transfer it…
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How much liquid cash?
I'm curious about what most people consider too much liquid cash and what the alternatives are to having liquid cash. Scenario is as follows: Ensure that Cash ISA is full every year Overpay mortgage (penalty free) by a max of 10% per year Have stocks and shares ISA Ensure that emergency fund is easily available, at least 6…
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Which is better ...
Regular saver at 8% or ISA AT 3.06% ?? Feel like I'm asking a stupid question but want to check my thinking. I know the ISA is tax free and the regular saver interest will be taxed at 20%. I don't have a lump sum but will be putting away a set amount every month.
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Santander Issues - £100 offer
Hi all, Just wanted to tell you about the problems Santander are giving us with switching our account - in the hope that others may be aware of the issues, and perhaps someone could offer advice (other than leaving!). In short, my GF and I, both switched our current accounts to Santander to get the £100. In order to do…
