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Derbyshire Building Society 3.06% AER easy access
Derbyshire Building Society variable rate net saver (issue 3) is increasing to 3.06% AER tomorrow according to emoneyfacts. Rate includes a 2.06% bonus up to 30 June 2013. Minimum opening balance 1K (must be paid by cheque) but balance can be reduced to £1 subsequently. At time of posting close to being the best easy…
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What to do with ISA after Interest Has Been Paid?
Hi Everyone! My Santander ISA's interest was paid on 2/3/12. I know that it is not wise to leave the money in the ISA once the interest is paid so I would like some advice on where to put the money now. Ordinarily I would transfer it to a new ISA for the new year but I am saving the money for a deposit for a house and will…
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Best place for Euro savings...offshore?
I'm an Irish Ex-pat living in the UK for the past 3 years. My life savings were at home in a nice interest earning Savings account with An Post (Post office). Over Christmas my brother (who works in the banking business) was suggesting that with the recession, bailouts and whole Greek situation there was a risk of the Euro…
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Isa....
So I want to open Halifax's Isa online saver, at 3%, and pay in £300 a month to it. If a open it now, does that mean I wouldn't be able to put any money in it after 5th april? Or can I open it now, and just not go over the allowances allowed for 11/12 and 12/13... Also would the rate drop on 5th april, or is the rate for…
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Santander, 3.3% AER ISA question
There is a £2500 minimum deposit requirement to open that ISA. If I open that ISA and then transfer my existing ISA of 9k in to thus ISA would that be sufficient to satisfy that £2500 requirement or does it needs to be new money?
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What would you do with 50k
Hello people I hope someone wiser and suvvier than me can advice. I've only a bank account, no credit cards nothing and I know very little about products. However I do know that I cannot leave the 50k on this account and I am not sure where to start. I would like a "new" Bank but which one? I am told I should get ISA again…
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Does this isa transfer form contradict itself?
Does this isa transfer form contradict itself http://img.photobucket.com/albums/v324/j75b/assos/Image2.jpg (a) Do you want to close your current Cash ISA and transfer all the balance, including the accrued interest? My answer is yes (b) Have you paid money into your Cash ISA in the current tax year? (A tax year is from 6…
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CGT or income tax on share dealing profits
I have a "friend" who is non-employed and doesn't claim any benefits what so ever but purely lives on his share dealing investments. He knows all about cgt, isa's and annual allowances and does in fact pay quite a bit each year in cgt. His question is at what point would the HMRC deem that the share dealing could be called…
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Contract Agreement Writing
I am requiring a contract / basic agreement writing and have been advised here is the best place to request the required service. So please feel free to contact me if you are interested in quoting for this. We are a Search Engine Optimisation company and all our customers are signed up on a campaign that normally is…
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£6000 to invest before ISA deadline
Hi all, I have £6000 sitting in my bank account and with all the money printing going on it is worth to invest this money somehow. I am happy to take a bit more risk with this money, and I have planned to invest it for the long term. I was thinking of putting it into some kind of shares for care home providers as this…
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Your thoughts on this fund portfolio please
sorry duplicated in error. Can't find out how to delete
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Your thoughts on this fund portfolio please
We were visited by my wife's IFA last week. He is proposing consolidating her pot of ISA funds, and indeed her pensions and non-ISA funds into the following 12 funds. Selected by the firms investment committee. She is a medium risk investor and has other assets so won't need to access this money (all things being equal)…
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What is the best way to sell a Krugerrand?
Hi, Was given a 1oz krugerrand many years ago (18th or 21st I think) and have thought about selling it as the price of gold seems to be high. Is this the right time (as it just sits in the safe at the bank) and I can't say I need the cash, but it also seems silly for it to just sit there If a good time to sell how would…
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Sharesave scheme
Hi all, I am not very clued up about shares but my company has a shaesave scheme. The share price is 20% lower for the scheme than it currently is selling at. Reading all the T's & C's it appears that the scheme means even if i decide not to buy the shares after 3yrs i will not loose my money. Does anyone have experience…
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moving ISA before year is up?
My present ISA's interest deal runs out on 11th April, one year after it was started. What happens about the interest payable if I transfer it elsewhere before the year is up? Will I lose these days interest?
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Wine Investments
Looking for any advice on a company called World Wide Wine Investments of Milton Keynes. Am looking into finances of a relative recently diagnosed with dementia and discovered they have transferred over £25k to this company in past 8 months. They have the notice of ownership for cases of wines purchased but we have no idea…
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ISAs
Hi I have just opened a Barclays ISA yet it was only after completion when I opened a link to another webiste that I realised that I dont think I got the top rate, apparently AA. Am I permitted to close this Barclays ISA and transfer the cash to the other account or would this not be possible. I think I already know the…
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US withholding tax
Hi I am UK citizen living in Dubai working for a US company. I have been buying US shares as part of a share-purchase scheme. I am right in thinking that if I fill in for W-8BEN I will not have to pay US tax on any gain I make if I sell the shares? Does this exemption work when you are not living in a 'treaty' country? (ie…
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New AA ISA 3.5% service
I am considering opening up an AA ISA (3.5% AER) but I don't know what their service reputation is like. I was wondering if anyone had experience with them in the finance world (in the finance world not with cars LOL :rotfl:). I don't want to have any problems with accessing my money when I need it, them not paying…
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Newbie to ISA's! Advice needed please
Hi all Quite new to this, only got my first ISA in May last year. I currently have a Cash ISA for this year, after April Im aware that I get a new year allowance and can open a new ISA for a new tax free allowance, my question is, can I keep transferring my cash isa for this year (the 12 months is up in may) into another…
