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axa sun life with profits policy
hi all, i took out a 15 year axa sunlife policy in july 1999, started paying £20 per month which increased every 12 months until i was paying £40 per month,i think i received half of my invested money back after the first 12 months, at present i cant find much paperwork from them (ive moved house a few times) but i do have…
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Employee Share Scheme
Hi I have been looking into employee share scheme and I am thinking of contributing my money to the employee share scheme but I need to know a few things before I formally agree to contribute. Is it possible that my overtime payment can be contributed to the employee share scheme? If I use this scheme, would I shave my tax…
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Company SAYE help
Hi sorry but this is all new to me so was hoping for some guidance. I have the option of joining the company sharesave scheme but not sure if its a good idea or not. I am allowed to save between £5 and £250 for either 3 or 5 years. At the end of that time I can withdraw the money + interest or buy shares at the price they…
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How many isa's can you hold at one time?
Hi,can you advise how many isa's you can have open at one time plz? I have one isa with a bank which I opened a few yrs ago which I continue to pay in by direct debit and another bank also. Is it okay to continue to invest into the 2 isa's as long as you do not go over your total limit for the tax year?Many thanks.
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Interest paid yearly - what if I take it out before?
I'm thinking of putting some savings in the BM instant access savings account currently being recommended on this site. It says interest is only paid yearly (but calculated daily). Sorry if this sounds stupid but, if I take it out before the year is up, do they pay the interest up to that point?
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Best Return on £100.000?
I have (lucky me) £100.000 with which I would like to get 6% PA return on it, I do not mind it as a long term effort, so long as the return is good. any ideas please?
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Bond automatically renewed -which tax year do I put it in?
[Problem solved]
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Calculation of Interest on ISAs
Hi Folks May seem like a daft question but, is interest paid annually or only at the end of the period. For example, is it compound interest?
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Lost Capital Bond
When I was nearly 10 a Capital Bond was taking out for me with money I was left in a will. I didn't find out about it until last October when my mum found the certificate whilst clearing out a filing cabinet. I phoned ns & i who told me they no longer did capital bonds and I was best off claiming it back using forms they'd…
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savings and monthly interest paid
Hello My mother is looking for a savings account that will give her good access but more importantly a monthly return of interest. She does not have access to a computer although i have offered to help her by using mine she prefers to go to a bank etc. Can anyone suggest the best accounts to go for. ISA's are not included…
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Loose change
Went to bank on an errand for someone else and took about £70 of tea money. I bagged up what I could but for instance £5s worth of 5ps are an awful lot of 5ps so didn't have enough to make up the £5. The same problem with 10ps and 20ps. I was told they wouldn't accept the loose change, it had to be all bagged up plus they…
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transfering stocks and shares isa`s
Hi....i was considering transfering my stocks and shares isa`from my HSBC bank accounts that i have just canceled to either my Cheshire Building Society account or to my new bank account at the Co-operative Bank,but i have just been told today that i cannot transfer stocks and Shares isa from one bank account to any other…
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globaldirectequities.com???
I'm interested in investing in some stocks and had a company contact me in regards to some shares that I could purchase. However I want to confirm that this company is Cosha Company name: Global Direct Equities LLC USA Web address: www(dot)globaldirectequities(dot)com The main question, has anyone heard of these and are…
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Just supposing ....
.....I had £100,000 and needed to put it somewhere for the maximum amount of interest and i could tie the money up indefinately but would need a monthly income from it.... Where is the best place to put it?
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Tax wealth not income
http://www.bbc.co.uk/news/uk-politics-17292918 Vince Cable is "confident" there will be a move away from taxing income to taxing wealth. Savers getting the boot stuck in yet again.
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MSE News: Base rate again held at 0.5%
This is the discussion thread for the following MSE News Story: "It's the 36th month in a row that interest rates have been held at a record low of 0.5% ..." Read the full story: Base rate again held at 0.5% This thread is not in the 'discuss house prices and economy board' as that is only open to those logged into the…
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Natwest Poor E-isa advice
I have just tried to take out an e-isa with Natwest via the onlinve tool as i havent paid anything into my e-isa i took out in 2009/2010 tax year. The site will not allow you to do this as it detects you already have an isa with them regardless of when it was opened. I used the chat to an advisor function and asked if i…
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About 35K to invest/save
I will be coming into 35K in April. So, a simple question really. What is the best way to invest/save it? Should I divide it between cash ISAs and other investments (what? I am not sure)? Background I am 51 and my wife is 44. I hope I can leave the rat race at about 60 & hopefully enjoy my savings. Morgage has been paid…
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MSE News: 0.5% base rate may last another three years
This is the discussion thread for the following MSE News Story: "Experts think rates will remain at 0.5% until the end of next year and possibly for as long as three more years ..." Read the full story: 0.5% base rate may last another three years
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Leeds Building Society - sort code question
Hi there Have sent this query to LBS but wonder if you guys can help in parrallel too please. I've set up two fixed rate bonds with FirstSave. They will both be funded with money from Leeds Building Society. When I've entered the LBS sort code on the online application form it comes back with a HSBC branch in Leeds. FS…
