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Very old "certificate of deposit"
Hi, During clearing my recently departed Grandfather's house I found several certificates of deposit dating from 1920. They are 12-year mortage ones for San Antonio Land and Irrigation Co Limited. Now, I am guessing they aren't worth much. The original investment was a total of £1500 but I'm wondering what to do with them…
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Eyes Opened - need help please
Hello all, Im in a situation at the moment, im currently 30 and am looking into getting a property with my girlfriend, and my knowledge of savings / accounts you can write on the back of a postage stamp, house prices are not cheap at the moment and i'm looking for some savings and investment advise to help me get there…
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GE Capital Direct - New Online Savings Bank
Initial offerings don't seem tempting. Minimum opening balance £500. Minimum operating balance £1 Unlimited penalty-free access. GE Saver 2.35% AER variable no bonus GE Bonus Saver 1.50% AER variable + 1.15% fixed bonus for 12 months…
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Grandmother left me her house...£240,000 inheritance
I'm new too this and wanted to know if there is any other ideas advice. I owned it outright. Exchange is to go through within the next month then the completion. Where do I begin with the money? Im 26, single mother to 2young children. I'm currently on benefits. I'm not Eligable for a mortgage, and first and foremost will…
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Foreign cheque from sale of shares?
Cashed a cheque 3 weeks ago from sale of shares (US $). Bank says 2-8 weeks to clear. Why does this process take so long in this day and age? and is there anything i can do to speed up the process? Many thanks Cash is for a house deposit and needing it now for exchange of contracts
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Finding a Dead Person's Money
This is on behalf of a friend (no really I promise). A relative has died and they knew that he had substantial investments but they can't track them down. They've started by going through his bank statements which sounds like a good line of enquiry but wondered if anyone could suggest another way of finding his…
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Transferring existing Stocks and Shares ISA Balance back to Cash ISA
Hi everybody... I have a stocks and shares ISA that has been a bit disappointing (Sterling Assurance), and I would like to transfer the balance into my Cash ISA. If I transfer the funds directly from my Shares ISA to my Cash ISA, does it affect the years contributions allowance? Any wisdom much appreciated!
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Keep, sell, or ???
Hi there, I'm new to this so apologies if in the wrong thread, or indeed forum but thought I'd give it a try... A bit of background: I'm an accidental landlord due to meeting my husband. Between the two of us we now own and live in a 3 bed property which has a market value of £250k. Price hasn't been rising as much as…
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Wtc and savings
As it is now if you claim WTC only the interest on savings is taken into account, under the new universal credit they are going to cap your savings and if u have over a certain amount you won't be able to claim tax credits. This is so wrong because you are actually working when you claim WTC so you should be able to save.
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Your Thoughts Please, on savings
I'm about to buy a car with my savings, the retail price is within the limit I wanted to spend, so that's fine. The additional costs, tax and gap insurance is ok, as the money is coming out of my savings but technically I can replace that money when I sell my current car. What I'm thinking twice about is the insurance. I…
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Cash ISA Transfer
I already have a cash ISA this year and want to transfer one from previous year to another bank. The bank I want to transfer to is asking me to put £1 in to open the ISA before the transfer takes place but surely this means I will be opening 2 cash ISA's in the same year. Help please
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Nationwide withdrawal charges
Nationwide now want to charge me £10 to make withdrawals from my instant access savings by cheque to a specified payee such as a holiday company, for instance. I wish to close the account as I feel the rule is unfair. Which accounts do NOT charge for this type of withdrawal?
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Just inherited £100k......
Also have £140k in ISA's fixed accounts, easy access accounts etc. Don't want huge risk as retirement looms in 2-3 years. I know I should probably seek ind fin advice but I just wondered if anyone had any ideas as to how I can get a good return. Is it worth buying property these days?
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Online account only
Hi, I am looking for an online account only where I can put a money little but often on a weekly basis, I don't want bank statements arriving by post or any mail regarding my savings, I don't want phone calls or contact any other way I just want an online account and nothing more, What are my options? Thanks Kay
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RDR and Platform fees - TD Direct Investing
Just received an email from TD Direct Investing (formerly TD Waterhouse). I do not use these for funds, but sometimes for ETF's and Shares. There are new Platform Fees coming in July 2012 and they will be rebating all trail commission for the first time, normally they used to keep this. Other brokers will bring out their…
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ISA Savings with Bank of Cyprus UK
What should I do? Article in Dec 2011 states bank is applying for Registration with FSA but as of today I cannot find them as being registed. Is bank safe if Greece defaults and leaves the Euro as most of Cyprus is Greek and many businesses therefore owned by Greeks. Is Cyprus part of EU as stand alone country ,or just as…
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Hargreves Lansdow Annual Report
Anybody know when Hargreaves Lansdown are going to do the end of year annual reports. I checked last years and it was dated 30th April 2011, I was thinking they should have done them by now.
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Santander UK stability
Some questions to our financial experts, please, about Santander UK stability and the eurozone issues. Background: I opened a two year Santander ISA at 4% fixed interest a month ago and transferred in all my ISA savings. Penalty for early closure of this ISA is 120 days' interest which I suppose is levied somehow even if…
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Halifax - S
How can this thread be deleted?
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Icici
Tax Certificates from ICICI are now available for download, well mine was anyway. :) :)
