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Saving for University
Hello, First post on here so I hope I am in the correct place. It is a long time off yet (10 years) but I am thinking about how best to save for when/ if my children decide to go to uni. I have 2 boys (7 & 5). I was wandering whether to just save into child trust fund about £250 each per month or whether there were…
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MSE News: Savers' compensation hope after Santander bond defeat
This is the discussion thread for the following MSE News Story: "Savers not warned when their rate is due to dive following the end of a fixed term could be due compensation ..." Read the full story: Savers' compensation hope after Santander bond defeat
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An alternate to ING Direct, BUT, with easy multiple accounts
Hi, Long time reader, first time poster, please be gentle! :) I have numerous ING Savings accounts, as I find the ability to see them all and save in different 'pots' best for me. Example, I have easy access: Football Season Ticket Wedding New House New Car Mortgage Overpayment Holiday I also have a higher rate account…
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How should a young person save/invest for the long term?
Hi everyone, Apologies if this has been covered before but my circumstance may be different/new, feel free to direct me to the relevant thread if needed. First i'll say i have read a book called 'I Will Teach You To Be Rich' which taught me a fair bit about Index funds, mutual funds, bonds and portfolio diversification, so…
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Making the most of the First Direct 1st account
There are various advantages (depending on your situation) to the 1st current account currently offered by First Direct. However there are also some T&Cs that limit how much you can take advantage of it. My query really comes down to this: is it possible to open the account, put £1500 a month into it for 3 months and…
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Old Hanson PLC shares
Hi, I have come across an old share certificate for some Hanson shares I owned. I realise they were taken over but due to house moves I did not receive the cheque. Does anyone have contact details for the registrars who deal with Hanson or the subsequent company that now owns them. Thanks OBG.
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Scottish Friendly MVR
Can anyone help? I'm steaming. I have held an old Mini Insurance ISA with the Scottish Friendly now for around 12 years. On a recent statement I saw the investment wasn't making much money per year, so I decided to look at the possibilities of cashing it in. I don't think you can transfer Mini Insurance ISAs to another…
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Introductory Bonus - Savings Account
Quick question I hope someone can clarify. If I open an 'Easy Access Savings with Bonus' account with Nationwide which pays 3.17% which includes 1.62% bonus. What happens if I close this account in 6 months (I may purchase a property)? Do I lose all bonus interest i.e. i get 3.17% - 1.62% = 1.55% * 6 months OR Do Is till…
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Info about my situation and any advice would be great
Hello People, Im must say I really have enjoyed reading through these forums in the past couple of days and seeing what people have gone through and people at different ends some full of debt and some with loads of savings. Its really interesting to read anyway on to my story. and the help i do need :P I am an apprentice…
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saving £2000 monthly over 2 years
Hi, I am going to save £2000 monthly over the period of 2 years. In total it will give me ~£50000. I would like to put this money for savings with small safe percentage. Which option is the best ? What would you do with this ? I am not resident in UK so I can not use Cash ISA. I have got account with 1.25%. I would like to…
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Early Access to Inheritance (In Trust)
Hi, this is my first post here and maybe a bit of a tricky one, but any advice or direction on where I might be able to find more information would be extremely helpful. To put this as simply as possible on my fathers side of the family a distant relative passed away some years ago. With no immediate beneficiaries it came…
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France and Greece Elections
All, What impact do you think that the new austerity avoiding new socialist governments will impact the markets at the bell tomorrow. I predict an inevitable drop on open due to the uncertainty of Greece's commitment to debt reduction and euro inclusion, the same with the French. Hopefully only short term, will be…
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My Wifes Isa Matures shortly
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S&S ISA - Index Tracker AND Indv Shares?
Howdy all, Apologies if this has been covered elsewhere, or if it's common knowledge that this is impossible, but I was wondering: I currently have a Stocks & Shares ISA, inside which I've got a UK Index tracker set up. I haven't used very much of this tax year's allowance yet. Am I able to ALSO hold individual shares and…
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Looking for a saving account ?
Hi I was wondering please if anybody could recommend a good savings account to put varying amounts of money in a month. I dont want to get the money really easy but I would like to have access if I need to. Thank you
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Long term savings
Hi, I''m 29 and looking at taking out a long-term saving plan. I dont have any experience with this kind of thing and hope someone here could help me or give me some advice. I received a leaflet in one of my unions newsletters. It was from Scottish Friendly (www.scottishfriendly.co.uk/walletfriendly). I like the idea of…
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I have £10,000 for my 18-year old - help!
My son turns 18 this summer and I want to set up a (preferably one-off) long-term investment of £10,000 for him in his name. My ideal would have been a NS&I stakeholder pension or Investment ISA or long-term bond but these aren't available. I kind of trust him not to access it for short or medium term uses. I want to avoid…
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Selling shares - taxes to pay if reinvest into property?
Hi all, About 7 years ago I bought shares (paid £60K) and now they are worth around £300K. If I sell them and buy an investment property would I have to pay capital gains or any other taxes? Thanks for your time :)
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what to do with £70000?
We are selling our house as we are living with an elderly relative (my grandfather), we will have about £70000 to put in savings. We will need access to this money because when my grandfather passed away we will need to buy out the the other grandchildren to be able to stay in the house and i imagine we will need to get…
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Best and safest place to invest
Apart from an ISA where is the best place to invest savings. Looking for something that pays good interest, where money is only tied up for a year or two but it is going to be safe, no stocks and shares
