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Life changing decisions,need help
Morning All,I am moving to new employment shortly which will be paying a very good salary and my wife will be finishing work at the age of 56,,we are lucky to have no debt or mortgage. The issues i have are that we have cash Isa,s of 90K paying 2.85%,and S & S isas with app £100K,also Fixed term bank investments of 20K and…
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How much could i earn.........
Has anyone got any idea how much my relation could earn on £140,000 of savings. They are mortgauge free and have pilled all there money into bank saving accounts with little interest.
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Pros and cons of TD Direct Investing for s&s isa
As title says - looking to add etfs and ITs to my portfolio - must have low or zero management fees, low cost dealing, regular investment option Bestinvest seems to offer similar, let me have your thoughts and if possible actual experience cheers fj
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Saving & investment options now mortgage paid off
Hi everyone, Looking for peoples thoughts and opinions on what I could do to make the most of my financial situation. I'm 35yrs old, no dependents, no debts apart from my mortgage. Up until now my focus has been on overpaying the mortgage and at the end of this month it will be paid off in full. I have a NHS pension which…
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Regular Transfer Abroad - How does it work ?
Hi, I need to send some money abroad (EU) on a regular basis and I found on the foreign currency exchange page that the best way to do so is using a credit/debit card. Is the idea to send the card to a trusted recipient who can do a cash withdraw and then transfer on the targeted account ? I am not planning to get go there…
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emergency pot?
Looking for advice as to how much to keep in emergemcy savings based on these figures,k Joint income 57k Mortgage 156k 2 children o No other credit commitments Current household running costs take about 2k, the rest is savings/discretionary spending The reason I'm asking is we moved house in Dec and I want a sizeable…
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Can I keep adding to my cash ISA?
I am fairly new into my working life, following recently graduating from university and just wanted to ecome a bit more financial savvy in order to make my savings stretch further. It seems like this is the best place for me to start! I just wanted clarification on how a cash ISA works. I currently have the maximum…
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High risk investments
Hi I have put aside £3k that Im willing to use for a high risk but relatively high return investment. Any ideas? Cheers as usual
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Do I Need a Property Tax Lawyer?
I have Recently Buyed a new Farm House and Taxes on that is too high according to the actual price of that property, so to get reduction on my property tax. Do I need a Property tax lawyer? Please Help…..
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Short Term Investment
Is it possible to invest £100,000 for say 1 to 2 months and earn interest or would the interest be so minimal that it wouldn't be worth worrying about?
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Just found share certificates from a deceased family member
I really need some help on this please. My father in law passed away 8 years ago. My husband has recently found some shares in certificate form for dragon oil. How on earn do we go about selling these? I have also found out that the hubby's mum was in charge of dealing with his financial affairs after his death but she…
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What has happened to Northumbrian Water?
I was watching these shares a year or so ago, but now can't find them listed on the stock exchange. Has the company been sold to a private investor or something? Thanks.
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Inflation calculation help
I’m trying to calculate the value of something in Jan 2007 compared to Jan 2012. The CPI tables here show that the CPI index was 103.2 in Jan 2007 and was 121.1 in Jan 2012. So to calculate what £1,000 in Jan 2007 needs to have increased to in Jan 2012 to have kept its value I do the following: Cost in Jan 2007 x (2012…
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Saving For a new grandchild
I would like to start saving some money for my new grandchild olly, what would be the best place for my money to go? If anyone can help I would be very grateful:j
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ASAP Assistance EiSa Natwest !HelP!
Greeting all. I have question (seem like a simple question) Natwest eisa Pays intrest monthly. 2%rate would i recive £20 assuming i have 1k in my bank i say this because 2% * 1000 = 20 if i am correct in my mathematics I need a quick reply from some folks. ( i never really "Bankd" before out than my debit cards... so yeah…
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High risk investments
Hi I have put aside £3k that Im willing to put into some sort of reasonable high return but high risk investment. Anyone got any ideas? cheers
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Another SIPP Question
I'm retired and in my 60s, so I assume SIPPs are not for me. Am I right?
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SIPP question
May I ask the advice for my calculation on the SIPP return below, please? Backgound: As example, for a 20% tax payer. Pay SIPP in sum: 8,000 pounds. Government contribution: 8,000 * 25% = 2,000 pounds. For easy comparison, say until age 55, the amount with the investment profit increase to 12,000 pounds in total (20%…
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Replacing Lost Share Certificate
I've stupidly lost a share certificate for shares worth about £1.5K. I've been advised by the registrars that it'll cost £40 admin fee + £54.82 Indemnity. Having no experience of this, just wanted to see if anyone else has a view on whether this is about the right amount to pay, or does anyone know where else I might try…
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ISA transfers
Hi, The new Santander ISA's are saying that any transfers in must be within 14 days of the account opening. My past experience is that you are at the mercy of your previous provider in this and 14 days seems too tight. I have a recollection of something in the news last year about ISA providers having to improve on this,…
