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Axa investment bond
My mum who is in her eighties went to her bank to take money from her account and was advised by one of their financial advisers to part with all her money over £30000 to put in a distribution bond which has lost over £10,000 in the past 5 years. She didn't have anyone with her and hadn't asked for investment advice but…
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ISA or Regular Savings
I am in a quandry. Do I open an ISA before 5th April - or, put lump sum into regular savings account - then continue to save £500 per month into it?
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Children's Tax-Free Savings - Money Given by Parents
I read in the guide on Children's Savings that interest earned on money given by parents is only tax-free up to £100 interest per parent, after which the whole lots is taxed at the parent's rate. The majority of the money paid into my sons' accounts comes from their Child Benefit payments and gifts given by other family…
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What do with my saving before 5th April
Hi Since I have made a saving of £8000 and it is in my halifax guaranteed saver. I expect to collect interest on 3rd April. I have an existing ISA with interest of 0.5% which holds less than 100 quids. This account was opened last year and I have not opened another ISA for this year. Which account should I keep my saving…
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I get so confused every year. Dumb or what?
So, I need to transfer my Barclays Golden ISA as bonus is being withdrawn at the end of the ISA year. Is now the best time to instigate the transfer? Was thinking of the Marks & Spencer at 3%. I have new money waiting to go into next years ISA. Do I have to wait until 6th April before I apply or can I do so now? Was…
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Santander Fixed Rate ISA
I opened a Santander Fixed Rate ISA online 10 days ago. When asked how I was going to pay in funds, I gave my Cahoot joint current account details. I had an email saying the account was open, and I transferred the funds online. But a few days ago I received a letter saying that I could not pay funds in from that account,…
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ISA or First Direct Regular Saver?
I currently have an ISA with the AA (3.05%), only got £1000 in it. Just managed to open a First Direct Regular Saver (8% gross, 6.4% net). Wondering what you guys think would be better for saving and the interest return. I've had the ISA open two months and can only save £150 a month. Should I just leave the £1000 in the…
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Two faster payments questions ....
I know that the banks quote upto a couple of hours for faster payments, but on EVERY occasion over the past couple of years doing FP's from Halifax to Abbey they have arrived by the time I've logged out of one account and into the other. Just done my first FP from First Direct and it hasnt arrived yet - just over an hour…
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Savings gift for Nephew - with limited access
Hi, I want to invest £25 in a savings account for my 1 year old Nephew for his birthday, and then add to it every anniversary. Can anyone recommend an account where the parents CANNOT withdraw the money? Many thanks.
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£40000 savings, Any suggestions to get best return?
Hello, I have my ISA allowence used up and also have £40000 in savings which I add between £500 and £1000 per month to. At the minute this is sitting in my savings account and gets about 1% interest. I want the money to be safe and also accesable to a certain extent in case of emergencies. I don't not wish to add this to…
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from ISA Direct Reward to ISA Saver Direct
I'm getting a little confused with my husbands and my ISA accounts. We had a letter from Halifax saying that our ISA Direct Reward account will now become ISA Saver Direct - is there any difference between the two ? Thank you for your help
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Financial Industry think their clients are "muppets"?
Who would have thought that an industry that attracts some of the most greedy people in the world would have put their own interests ahead of their clients? I'm shocked at what this Goldman employee has to say. "It makes me ill how callously people talk about ripping their clients off. Over the last 12 months I have seen…
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2 Year FRISA 4.05%
Pinched from the tax free sub-forum. Put it here as some readers often don't notice there is a sub-forum! For those who like top rates but are nervous about our Spanish Friends it looks like Birmingham Midshires have an answer. Two year FRISA paying 4.05% including monthly interest option
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Legal & General stock market linked savings Bond 9
My elderly neighbour who is in her 80s was sold by the Nationwide the above product from money transferred from a CashISA. On receiving her statement in January she was confused because she thought that this was a six year bond and she would be earning 6% interest a year interest. The growth over the last year is £0.00.…
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Longer term charts for common funds
Hi all Does anyone know of any sites that offer charting (a la yahoo finance or Hargreaves lansdown) for longer than 5 years? H+L for example only shows charts for funds back 5 years. That means that nearly all charts on the site show, the financial crisis and the inevitable recovery - which actually isn't that…
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How can I find historical data of HM Treasury bonds?
My mother died 6 years ago and left £10,000 as a legacy to my children. Long complicated story which involves a lot of mismanagement by the solicitors in many aspects of their dealings with the probate, but the part that really really bugs me is that I only discovered a couple of months ago that when I tried to find out…
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e-saving 'pots'
I'm looking for an esaver account where I can split it up into different pots, can anyone suggest a good one to go with? i don't want it attached to a bank account as I don't want to open another one up. i just want an e savers account on its own. I'm looking at Principality at the moment but would like your advice first!…
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Traders & Investors Forum - free educational event, London
Traders Expo 2012 QEII Conference Centre, Westminster, London Saturday 24th March http://www.moneyshow.com/tradeshow/london/traders_expo/special_events/investors_forum/?scode=026241 "Whether a total novice or an experienced trader, you can find a workshop that is tailored for you at the Traders & Investors Forum at The…
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What to do with £50,000?
Hi all, I will shortly be getting aprrox £60,000 from a house sale, split with the wife etc... i am looking to get as much income from it as I can. The amount I will look to invest or whatever is suggested is £50,000 ( I plan to waste £10k on wine woman and bikes :) Lol) Any ideas would be appreciated. Thanks Shaun
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Standard Life doing well
Is it time to cash in the free shares now they are doing well? Mine could pay off the remainder of my First Direct mortgage which is on a standard variable rate. Don't know if to go for it or wait to see what happens to the shares.
