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£15,000 to save
Dear all. I have unexpectedly come into £15000 to save. I won't need it for about 6 months but will then need to be able to access it. I'm very unaccustomed to having any more than I need for day to day living, let alone saving, and have read Martin's article on savings but that seems mainly to be about putting so much…
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Shares in banks.....
Read a few threads in here from people wondering if its worth buying shares in uk banks at the moment. Clearly none of have a crystal ball so the answer is largely unknown. Im still wondering whether to buy some or not. Just wanted to ask if anyone has actually bought lloydstsb etc recently, and if so, why?
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Buying Greek Government Bonds
I know what your all thinking, don't do it!! But 10Y Greek bonds were selling at a 30%+ coupon yield. I like a bit of a gamble, so was thinking about investing around £500 in said bonds. But does anyone know how I would go about buying these? I have contacted the company I use for share dealings (Share Centre), and also…
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Opinions on the NCBS 3.7% FR 3-year Cash ISA?
Noticed in this weeks email, seems interesting, but you can't open an account online and then transfer, you have to apply via the postal system. http://www.ncbs.co.uk/savings/savings/tax-free/5th-issue-fixed-rate-cash-ISA.aspx Are they any good? I don't want to transfer my ISA to them and find it difficult to get back/etc.
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Opening A Savings Account on behalf of Children
i would like to open a high interest savings bank account on behalf of my baby. i want it to have no restrictions for example no minmum or maximum deposits per month but i do not need to withdraw money on regular basis. I want to know if i can just open a normal savings account in my name and then fill in a R85 form to…
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Online shares - where you are a member of CREST
I am looking for a cheap way to deal with shares online - but I want to be member of CREST so I receive copies of annual reports etc. I currently use the share centre - nice and cheap - £7.50 per tans action - but no CREST option. I deal around once a month. Any ideas?
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My ‘Find £5k for the kids diary’, with advice needed!
Hey all, Looked through post this afternoon and we have 71 different accounts running, whilst only using 4 :eek: I just want some incentive to get off my backside and cancel most of these. Please someone fire a rocket up my backside! :cool: I’ve already phoned CrapWest and asked for a current account to be closed, giving…
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Lost shares?
Hi, About 10 years ago I bought a handful of shares in a company, but my life went a bit upside down, lost track of them, have moved at least 10 times since and just suddenly remembered them.:eek: I bought them online with a company that I don't remember the name of, have lost all docs and have now just found out they were…
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Fix my ISA for 2 years and open another?
Hi guys, I currently have 14359.67 in my cash ISA. Now, should I fix this amount for 2 years on a 3.9% Natwest ISA? The 2 year fixed means I cannot actually pay in any additional money and will therefore have to open "another" ISA for this year's allowance. OR, should I go for a lower interest rate like 2.8% but keep ALL…
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What would you do with £1000 if you were debt free?
If you had a thousand pounds and no debts apart from your mortgage what would you spend it on? Would you pay it off the mortgage? put it in a savings/emergency account? premium bonds?
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Leeds BS 12 month bond with access
Just noticed yesterday (22nd Feb) that the Leeds building society have a 12 month fixed rate bond paying 3.35%. The terms allow you to have access to 25% of your funds prior to the maturity date without penalty.The bond is called 1 year bond with partial access. I have just invested my cash before I saw this (and only…
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Saving in isa and emigrating
My son is apart to depart UK for singapore for at least two years has current savings in ISA will this still be available as he is about to be a non uk tax payer - could he add into these funds while working in Singapore
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Help with deciding which Child Trust Fund
Hi there i have recently been looking at my 2 sons CTF's one is with the Halifax (UK FTSE Index Tracking fund accumulation shares) and the other is with the Share centre (Legal & General UK Index R Acc Fund). can anyone advise which is the best way to compare these funds, i am thinking of transfering the halifax one to the…
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Tax on US / Canadian shares - W-8BEN form - ISA S&S
Hi, I have a H&L vantage ISA S&S account and was going to buy some shares in a company but was told I need to submit a W-8BEN to reduce tax. I'm happy yo do this but does anybody know what tax I will be charged? Does the ISA tax saving only affect UK shares? thanks
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Save £50 - Free tickets to London Investor Show FOREX
Tomorrow! Friday, 24th February 2012 London Olympia Use voucher code: timetotrade to get a free ticket and free workshop http://www.londoninvestorshow.com/next-event/forex-24th-february-2012 "This one day event and exhibition is designed for those who are either already active fx traders, and those who are considering…
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Friends provident summit surrender
deleted as no longer relevant
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Banks to qualify for the 85K protection
Morning All, Anyone know where i can find a list of the various banks & who owns what ? (So that each account opened qualifies for the 85K protection) My Mum needs to stash proceeds from sale of house for a few months which she would obviously need to be protected in these times - monthly interest would be a bonus as she…
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Shares / Data Protection
Wondered if someone could confirm something for me If you hold shares in a company, then your personal details shouldn't be given to 3rd parties and/or your details shouldn't be freely available for anyone to see. Im asking as I received a phone call clearly from a scammer asking if I wanted to sell my shares at an…
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S /S ISA funds
I'd appreciate any opinions from better informed people about the following funds within my S & S ISA. Invesco Perpetual High Income - keep Fidelity European - keep Jupiter Income - move to Fidelity SE Asia Fidelity Wealthbuilder - move to Threadneedle Americal Smaller Companies These are the recommendations of my IFA.
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PEARL Saverplan Policy mis sold
Pearl sold me a with profits saver plan 15 years ago. At thetime I was going to start a regular saver in to a building society but was toldthat this product would perform much better than a building society account. Afact find sheet was completed and one fact in particular was emphasised aroundthe stock market growing 10…
