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Best place to invest for over 50's
Hi All, My mum currently works for the nhs and they have offered to retire her due to ill health so she would get a lump sum of 11k and then get a set amount each year or no lump sum and just get a higher amount each year. She was thinking to take the lump sum and look for another job that shes capable of doing. I was…
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Fixing a Cash ISA - Process?
Hi all, Just basic ISA advice would be useful please :) I have an ISA which I've paid the full £5340 in during this tax year 2011-2012. In the new tax year 2012-2013, I intend to pay in the full amount (I think £5640?) however I don't have the cash right now - it'll be paid in as the year progresses. What I'd like to do,…
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Seeking some expert advice please.
Hi everyone, I'm thinking of cashing in my 30k of premium bonds because it might be easier to manage and move the money if its in my bank account,and besides,i never win hardly anything. I have a Lloyds Tsb online account and so...... i'm thinking of putting the allowed £5,340 into a variable cash isa saver which will give…
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Best options for low-risk return on £100k
Hi, An elderly relative is in a care home due to illness and we have now managed to sell her home. After assessing her income (pensions etc) and outgoings (mostly fees) it is going to cost approx £500/month to keep her where she is. From the sale of her home we are left with approx £140k to look after her, £40k of this is…
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Earning money from current accounts.
Hey guys, I have just read an article that talks about the best ways of making money with current accounts. It says you need £2500 first of all. £1500 of that would go into a Santander current account so that interest could be earned on it over the year. After 14 weeks you get paid £100 if it is your only account with…
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Sharedealing Software & Charting Analysis
Hi, Can anyone recommend a good reasonably priced software programme with some basic charting bulit in? I currently use an Excel speadsheet, monitor prices on Google Finance and have a Portfolio on FT.com where I also monitor prices and use their interactive charts. I have just started to look at trends on FT.com and draw…
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father moving to sheltered housing
hi. I wonder if anyone can help. My father has recently sold his house and wants to set up accounts for the grand children with the money from the house as a gift. However I think that maybe in a few years my father may need to have residential care so I don't know if it's worth setting up the accounts as I have heard a…
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Savings account with no mobile phone and not UK resident?
When I try to open savings accounts I come across 2 problems; I am not UK resident and I don't have a mobile phone. Nor do I want one! Is there a bank that will let me open a regular account given the details above so I can put about 60k in? I tried Santander and they were useless.
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Cheshire Building Society have lost our money!
I closed an account with the Cheshire Building society, writing a letter, and enclosing the passbook and asking for the funds in the account to be put into our bank. I put the letter through the door of the Chester branch as it was a sunday - so it would go in the internal post rather than through the post. I got a letter…
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where to save if i don't pay tax?
hi anyone know if martin did an article suggesting where to save if u don't pay tax? have read anbout isa's but as i dont pay tax anyway could i do better? ta qaz
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Best way to buy Premium Bonds? And diversify?
Hi, A friend has over £4000 in a cash ISA and a few hundred more spare. Instead of just putting it in the ISA, he would like to spread it about a bit/diversify. He wants to just buy a few Premium bonds to start. Please can i ask for any tips on buying them, such as the best way? And any other tips on diversyfing? Bearing…
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H+L - Does min investment amount include existing funds?
I've been trawling through the Hargreaves and Lansdown website but have been unable to find an answer to this. I started my S+S ISA a few months ago. I've got ~£800 invested solely into an HSBC tracker fund. I want to stop investing into that tracker (due to platform charges) and start investing into two new trackers. I…
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Where to start when you have no money!??
Hi, Ive been reading the guides about savings and bank accounts.. but now I feel a little depressed :( it seems that to have any of these good accounts, or to have a savings account you've gotta have a lot of money to begin with!!! I work part time earning under 500 a month and my husband is self employed so doesn't have a…
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ombudsman moan moan
I made a moan to the bank ombudsman because the bank dropped the interest on my Euro Tracker account to, I dunno, 0.1% or whatever. My moan to the bank then the ombudsperson was that if it's called a Euro Tracker then it should do what it says, track the Euro bank rate. Her latest reply says [FONT="]When you opened the…
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Have I made a cash ISA ricket?
Have advised my daughter to transfer her Santander cash ISA, earning zilch, to a 1 year fixed Natwest ISA, but not put any new cash in. (Just transfer existing ISA.) But as she wanted some accessible money, have suggested she also opens a flexible one with Virgin and pays in as necessary. Both will be in this current tax…
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Info on transferring share ownership
Myself and my brothers were given some BT shares, (about £1k each) they now longer want theirs and have offered me first refusal. Is it worth me purchasing theirs? And if so how much should I offer and how do I go about transferring share ownership without incurring any broker fees? Any advice is much appreciated!
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Child trust funds
I pay £300 per year into Child trust funds with engage mutual assurance for my 2 children. They both have the same investment fund - UK Equity Index Exempt Fund. Yesterday I received amended annual statements there had been an error in statements issued last month. This prompted me to review the previous statements for…
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Practical and competitive alternatives to Banks
We all need the functionality of banks to operate in the modern world. Without an account to pay our earnings into, a card to make purchases in the net, or somewhere to keep spare cash that's safer than than under the mattress, modern life would be very difficult. But are you fed up with bankers:* paying themselves huge…
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children's long term savings
Hello there My mother wants to lock away £3000 for 15 yrs for my 3 yrs old Daughter. Any suggestions for the best product?
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Invesco Perpetual Distribution
Hi, I have seen this on HL site. Is it any good for someone that wants to stick 20K lumps sum in a stocks and shares ISA for regular income? Many thanks
