-
Building society accounts-worth keeping?
I have a few building society accounts which I have purely in case I might get some money if they merge or get taken over. The interest is a pittance and I wonder if it is worth the bother or whether I should close all the accounts and just have one better interest paying account. Are the days of making money like this…
-
23, teacher- advice needed on where to put money?
Hi there, I am 23 and just started working last September. My parents earn very little, so I received bursaries and grants from the student loans company and the university I attended- this means that I effectively broke even over the past five years (degree and teacher training) with the help of weekend and summer jobs. I…
-
Vanguard Life Strategy and Hargreaves
Hi all, Im about to invest my 11/12 S&S ISA allocation - £5,340. Ive decided on Vanguard Life Strategy 20% Equity Fund using Hargreaves Lansdown. I have a couple of questions about how best to do this. Im aware that HL charges for holding this fund, but not sure how much (Ive just emailed them to enquire). - Is it worth…
-
Need some advice
Hello all,I am 76 years old and not in the best of health my problem is I have always dealt with the banking and such like in our household my o/h as no idea at all about money matters. my problem is how should I go about getting someone to help sort things out for other half if something were to happen to me.
-
Book review: The Millionaire Next Door
I've seen this book mentioned a few times over the years, but have always put off reading it as I thought it might be a bit "coo gosh!". My mistake. It's very readable, very informative, very well-researched, and leaves you with a lot to take away and ponder. For me one of the most interesting sections was how they found…
-
New IFA needed - should I go big or little?
The two-man IFA company that we've been with for several years has sold up to a large, Midlands-based company called AFH Wealth Management. (https://www.afhwm.co.uk) We had a visit yesterday from one of their consultants to persuade us that the best thing we could do would be to stick with them and they they could look…
-
Trading the "Long Gilt Futures March 2012"
2 Questions. A. Is the long gilt futures market efficient and has little or no price discrepancies between the cash prices and the futures market (one would think it is as I read it is very liquid market). But its gets complicated because it uses a notional bond and have price converstions. B. And the other question is…
-
Is there a way of bookmarking a thread here
Instead of trawling through pages or using the forum search, which again comes up with umpteen pages, is there another way I can find old threads and keep them for reference.. I'm trying to find out about the Monmouth Building Society thread which had lots of replies and advice but am struggling. Many thanks.
-
Shawbrook 18 month fix
Their website is down for maintenance at the moment .... Can anybody tell me whether their 18 month fix can pay monthly interest? Was going to fix for two years but if I can fix for 18 months and only lose 0.1% think I'd rather! (By the way, following a pension kicking in and stopping my VERY part time work I may have to…
-
halifax....grrr!!
My wife and I each have a 2 year fixed rate isa with halifax, they mature on the 14th feb, they sent us letters offering to transfer, i decided to take on the offer of a further 2 year fixed rate at 3.7%. At 2.15pm today i rang up and completed the transfer, they insisted my wife had to speak to them seperately, i hung up…
-
Hargreaves Lansdown Master Portfolios
Did anybody see the new HL Master Portfolios which they have been recommending, I thought some strange choices. They recommended themselves for the Regular Income portfolio! http://www.hl.co.uk/funds/master-portfolios
-
Free website needed to compare stockmarket funds with each other-including charges
Hi, At the moment i use bestinvest to manage my stock market money throught one of their own managed funds - its the IFSL Bestinvest growth portfolio fund acc. Now through their website i can see how its done since launch etc but i wish to know basically am i better off investing there or just finding a low cost ft all…
-
emoneyfacts going subscription access only
Sad news - looks like emoneyfacts website is only going to be available to Moneyfacts subscribers after March 1st. sub is high circa £146. Most importantly will not have access to the daily news bulletin which is really good - almost as good as this site! Great shame
-
Northern Rock Savings Account HELP
Me and my brother were both left with inheritance when my grandmother passed away in 1994, since both being young, we were both aware we had both been left with savings accounts in the form off a pass book from Northern Rock, now I have just written my money off now as its been so long and me and my father don't have a…
-
Newcastle 5yr fixed bond Issue3
Opened this 5yr fixed rate account at 3.35% about 18 months ago. You can withdraw it all with 120 days notice with no penalty. Is it worth moving considering I have 45k in there. I like the idea of the 120 days access. Are there any other accounts out there at the moment like this that can top my interest rate with ease of…
-
NS&I Easy Access Closing
Hello , We have just been notified that this account is closing in July. My wife has been using this as it is convienient as you can use the post Office to pay in and out.She likes to use this as it is seperate from our normal finances. Does anyone know of any similar accounts.No large amounts kept in the account. I would…
-
Portfolio builder, tracker or just buy the shares
My only investments so far are in a tracker ISA and I've been looking at other options. Now with the amounts that I want to invest my options were to either have a very limited range of stocks or have a limited amount of money in each stock in which case the charges would be proportionately higher so I was considering a…
-
Cash in ns&i index linked bonds?
With inflation forecast to drop significantly over the next couple of years I'm considering cashing in my above bond on its 1st anniversary in May. After rushing to buy these bonds last May I now wonder if it was the right thing to do as fixed rate bonds look like they could be a better deal soon. Has anyone any thoughts?
-
Buying Gold???
Good morning. I have almost exhausted my ISA allowance and know nothing about stocks and shares etc so was looking at investing about £500-1K in some gold. I have seen a few sites from links on MSE that sell gold i.e English rose coin 1/2oz for £550ish? However if I did buy/invest in a coin or 2 where would I sell them and…
-
£100k saved. Want to invest for about 12 mnths.
Hi, I've got £100k saved and want to tie it up for about a year. I'm also a non-UK resident. What are my best options? I'm willing to accept some risk, but don't have any knowledge of the stock market. Any advice would be gratefully received. A
