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money to invest
Hi im after a bit of advice. Ive never ha any money to invest but im going to acquire £45000 soon and im wondering how best to invest it to get the most interest per anum. Im going to take £5000 to pay some bills etc and keep me going, but other than that i dont know the best thing to do with it. I am mortgage and dept…
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Savings in trust
My brother (20), sister (15 1/2) and I (22) each have £5,000 inheritance that must be held in trust for us until we are 25. Can the money saving experts advise which deal is likely to reap good interest? Obviously there is no issue having it as a bond so long as the account has trust status. We would be happy to move the…
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Looking into investing into a Low cost index fund
Been doing some research lately and I like the sound of this method of investment for the long-term 30+ years. http://beginnersinvest.about.com/od/mutualfunds1/a/aa080804.htm Above article features some interesting points regarding investing into low cust index funds. Does anyone have any advice on which they feel offer…
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Charge on HSBC trackers at H L
Hi guys I have a HSBC 250 tracker with HL and have heard that they are now charging around £2 per month on them, is this true? As I haven't heard of these changes from HL Thanks
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Savings account query
Hello good people of MSE. I hope this thread finds you well. I am getting a new car and do have the cash to buy it outright but they are offering 0% with no admin charges so I am thinking for the four years I am paying it I would like to put the rest of the money together with some other money to get some interest. I…
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Childrens Bonds
I opened a childrens Bond some years ago for a child from a previous marriage. She is now 19 and I have no contact with her and do not know where she lives, I have been told that the money will just have to sit with the company until she contacts them. She does not know she has the plan and I have not contact with mother…
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ISA advice. First timer
Hi everyone, I'm looking to start an ISA account ASAP and I'm looking for some advice if anyone could help. I have around 5,000 in my HSBC current account. (stupid I know) I have opened up a regular savings account and put 1,000 in that (only 0.1% I think) I am 32 now and have no pension so I am thinking I need to start…
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FTSE quarterly reshuffle. how does it work ?
Hi all was wondering if someone could help me I am looking to get a better understanding of the FTSE quarterly reshuffle. The below is a conversation from FT Alphaville What I am interseted in is what do they mean when they say 1 . ) 17.2m passive demand for Aberdeen, equivalent to 6.2 days trading. ?? 2. ) Not a lot of…
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turned 65 But Still Working Pension Advice
Hi i turned 65 last Nov, I have approx 10 years private pension which I havent decided what to do with it??. I am still working overseas tax free perhaps for another year so currently cash rich. Undecided what to do with my pension do I leave it with the company or take it out and look elsewhere - any advice is appreciated
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Opening new savings account for our baby today, what type is best?
Hello Everyone, Our little girl has just turned one and we were shocked and how genourous people have been. This has meant we have had to bring opening a savings account earlier for her. We are heading into town this afternoon, we currently bank with Natwest and Santender, so were thinking to open an account with Natwest…
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Investing in Me
Hi All I'm currently living with Parents and looking at buying our own property with my fianc!e. We are trying to pay off all existing debt and then save a deposit. It's been an agonising time but next month we will be debt free and ready to start saving. Yesterday I received an offer, from an Aunt. She can see the…
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savings and tax
Hi, Hoping someone can help me clarify a conundrum relating to tax. I have just received my PAYE coding notice and this year, I actually read it.:o I've recently got a new job which pushes me into the 40% tax bracket, so for the first time in my life I'm considered a higher earner ... a bit scary and grown up. So, I have…
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Cash ISA newbie
Guys, I'm looking for some free advice about opening a cash isa. I've got the max 2011/12 allowance sitting in my current account and would now like to open a cash isa with it, and also to continue saving monthly in the same account using next year's tax free allowance. I've just looked into opening an account with ING,…
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Funds Network "Initial & Switch Charging structure" v "Account Fee structure"
I am looking at moving my ISA from BestInvest to Cavendish both under the Funds Network scheme. As part of this I have discovered that FundNetwrok have 2 fee structures. I am currently with the default " Initial & Switch Charging structure" where I get charged 0.25% for a transfer from fund A to Fund B but I understand…
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Santander Complaints
Has anyone had even a modicum of satisfaction when complaining to Santander? If so can they please advise how it was done. After an hour on the phone this morning, trying to discover why the branch at Weston Super Mare had not opened the fixed rate bond we applied for over 3 weeks ago, I lost my cool and withdrew every…
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Junior Isa & Childrens Pension
Hi, what are the annual limits I can put in for my child if I were to open both a jISA & a childrens stakeholder pension. Is it £3,600 gross in total per year or can I put £3,600 gross in each per year, ir total of £7,200? thanks
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American Life Insurance
Hi, I wonder if anyone can help. I have being paying a direct debit to a company could American Life Insurance for nearly ten years, I recall when I took the policy out that if I didn't make a claim within 10 years I would get my contributions back. The problem is i cant find any paperwork from them or the original…
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Smith & Lockhart Associates
Can anyone tell me if they have dealt with this firm. They are trying to contact me over some shares but i have never heard of them...thanks for any information.
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Whats best to do with £6,500
I'm currently saving each month £250+.I've currently got £6,500 saved in a Halifax account which pays £5 every month when i transfer £1,000 into the account.I was wondering if there's a better way to get more from my money without tying it up ?? I've noticed the first direct Regular saver account pays 8% but it means tying…
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Investing advice needed
Hi I am new here, nice to meet you all. Im just after a bit of advice about investing. I have £4000 in an ISA at Santander and had a letter from them saying the reward period has come to an end so I am looking to transfer this into a higher rate account. I'm looking to invest this for about 3 - 5 years. I was thinking of…
