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Share Incentive Plan - right investment for me?
Hi I'd welcome your thoughts on my situation. If it helps, I'm nearly 40, am reasonably happy with my pension arrangements, and am not a higher rate taxpayer, although I'm not far off. I have a number of debts, mortgage, loan, credit cards, all at fairly low rates of interest, the loan is the highest at 7.8%APR. I have no…
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Investing In Property
Hey, Has anyone here got any success stories from investing in property, and if so, how did you do it?
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Tax on an endowment?
If i keep my endowment full term I pay no tax, right? I've had it for 17yrs. If I trade in or surrender do I pay tax on the amount I receive? I'm a higher rate payer. Thanks. Doc
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Want to transfer ISA and withdraw some.
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MSE News: Savers' deposits to be ring-fenced from banks' investment arms
"Banks will be forced to ring-fence savers' cash from their risky casino-style investment arms to protect deposits ..." Read the full story: Savers' deposits to be ring-fenced from banks' investment arms
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td direct investing reviews?
Just thought to find out more about them. Are they good compare to iii.co.uk?
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Transfer shares from ISA into ordinary share account
I currently have a shares ISA and an ordinary share account with Interactive Investor which I will have to transfer quickly to avoid the charges they have agreed to waive. I am planning on moving to x-o.co.uk, but I don't really need an ISA account any longer due to the values involved. I am wondering if it would be…
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State Bank of India - 5 year fixed term bond
A few weeks ago the State Bank of India were top of the fixed rate tables for a 5 year bond - 4.5%. So off I went to to their flagship City of London Branch to open one. One catch was that you needed to open a current account first - so I agreed to that and provided all the necessary information and documents there and…
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Options for the next few years
Hi, Myself (aged 59) and my two fellow-shareholders are on the verge of selling our business, which we bought in an MBO 8 years ago - hopefully completing next week. A happy position to be in, I know! The consideration will be an initial sum of £425k + £100k over 3 years, paid in monthly instalments i.e. approx £141k each…
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Taxed 100 pounds on savings, - But I don't work - how to reclaim
I have NSA savings they took 100 pounds off my interest , as tax As I don't work, I can get this back How ? Thank you
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Punjab National Bank - fixed rate deposits
Punjab National Bank is advertising these rates. Premium Fixed Deposit Interest Rates 1 Year --- 3.00% 2 Year --- 4.20% 3 Year --- 4.70% 4 Year --- 5.30% 5 Year --- 5.80% Is there anything I should be aware of?
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complaint- info given by Equiniti advisor
:mad:Hi, I need a bit of advice please! I recently contacted Equiniti (15th April)to ask basic question about my shareplan. I asked them if I sold the shares that day would I get procedings with my next monthly wage (20th). I received totally wrong answer, I was told that procedings from the sale of shares would be…
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Best ISA for me
Hi all, I currently have an ISA with Kent Reliance I looking to move my money to a better ISA. I have about 2000 saved and I tened to add money when I can not in a situation where I can add vash amount but would like to add maybe £100 a month. The problem I got is I think I can only transfer the money online. What ISA…
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Re 40% tax on savings account
Hi, I am a 40% tax payer, can any one advise if the tax i pay on my savings is a straight 40% or is the tax i pay worked out in conjunction with my tax free amount on my tax code Thanks The Shadow:(
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House Sale Proceeds
Hi, Not sure this is the right forum, but just wanted to ask a quick question. The sale on my flat is due to be completed this week, and my related purchase is at least a month behind that. Because of money I inherited, I'll have £150,000 kicking about in my account for 4-6 weeks - is there anything I can do with it that…
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Advice Please - S&S ISA - Newton Real Return
Hi Everyone, I have a shares ISA with Sterling assurance with the Newton Real Return fund. From a google search it appears to have some good press. In laymans terms, is this fund any good? I checked my balance today and £2000 invested over the last year has a current value of £1869. I'm looking to put away a bit more cash…
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MSE News: Can you double your savings interest?
"It may sound like nonsense, but many savers can more than double their interest using the savings fountain ..." Read the full story: Can you double your savings interest?
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save or pay off mortgage ?
i have recently had two endowments mature to the tune of £47k. i have a fixed for term mortgage of 0.17% above base (0.67%)on a mixed interest only and repayment, to cover the shortfall from the endowment policies. i am unsure whether it would be better to pay off the capital of the mortgage or save in a long term savings…
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Baby Savings - options
I'll be a first time dad in November (aww) and i'm thinking practically about saving for his/her future. I've decided that i'll put whatever we get in Child Benefit (approx £80 per month?) into savings as we won't need it day to day. I'd like the savings to be available for future big spends on the child, but not for…
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Can anyone recommend a high interest rate cash ISA?
Can anyone recommend a high interest rate cash ISA? I was going to go with my bank but the rate is so low it just didn't seem worth the hassle.... I heard the post office has a good rate but if anyone can recommend anything better it would be much appreciated! Thanks :o
