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Cashing in investments
I need advice from all you experts out there.I have a few thousand in shares and one isa.Job situation means I need to find some money to live for a while and am wondering what the best thing to do is.Cash in my isa or cash in some of the shares.
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Losses are good
Seen people saying you only hear of those who win, never those that lose. Well .... I started a 6 month experiment Jan 1st with £7000. Bought and sold shares in LloydsTSB, Tesco and Lamprell. 15 trades and made 10% profit with on average less than a third of my 7000 in the market. This is all too easy :p In July I thought…
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Santander unwilling to pay 'lost' interest
Hello, this is my first ever blog post so please be patient insomuchas I'm unsure what I'm doing! This year I travelled alone for 5 months in SE Asia, ie I was mainly on the move and forgot that my 3% e-saver rate with Santander expired on 17 April 2012. As I don't travel with any smartphone I have to rely on internet…
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Investing in Carbon Credits
Apologies where this may have been covered elsewhere. I know nothing about this subject-but like a small gamble and to do something a bit out of the box-and wondered whether a small investment in carbon credits is worth a go. Has anybody any good/bad experience of this . frankly-i don't understand how it works-and probably…
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Where to save for childrens future?
Hi, I'm new to this so I hope I'm posting in the right place! I would love advice on where to save/invest money for my children. I am currently saving £100/month in a high street account at 6% but am sure I could probably do better over the long term. I have no need to make withdrawals and plan on continuing saving for the…
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help needed on where to put kids savings
i have 3 kids aged 14/12/8 we have just lost my husbands dad and going to receive money from the sale of his flat would like to invest atleast 10k for each child but dont know which is the best way to do this for them any advice would really help me plz
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Can I open a joint account with my adult daughter?
Can I open a joint account with my adult daughter? I would like to be able to put a few thousand pounds into a joint account with my daughter so that she would have ready access to money on my death instead of having to wait until my estate has been sorted out. Is this feasible?
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Skandia Disinvestment
Hi Am closing a Skandia collective inv account and had to fill out a disinvestment form..amazing in this internet day and age. Has anyone experience of how long this will take. Having nightmares of postal service/ clerical delays etc. Thanks
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Sun Life / Friends Life Maturity of policy
I've had one of those Carol Smilie Cashbuilder Bonus Bond policies for 15 years and it matures in July. I've had a letter today with a final figure (subject to final bonus changes). I knew several years ago that I wasn't going to be able to retire on the proceeds and that as an investment it was pretty rubbish and the…
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Purchase price or today's price
Just interested in thoughts. No axe to grind. I keep seeing posts suggesting that an investment that has dropped in value and showing a loss is ok as it was always for the long term. Is this ignoring the loss just a way of feeling better about one's decision (which is fine by me) or is there more to it? And does such…
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santander shares
I have a small amount of santander shares, which have dropped in value, should I sell? any help thanks.
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Best Bank Account for UK national moving to/working in Portugal??
Hello I'm moving to Portugal (well actually to the Azores) later in the summer for a year. I currently have a UK current account with Santander (good because I get a good interest-free overdraft), however, my employer says there are difficulties with paying into a Santander account (and also with Citibank) and so I am best…
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Need a bit of help prioritising
I briefly skimmed on this in one of my other posts (and received a helpful answer :) ) but was hoping to get an in-depth response to my situation. So I'm 21, have a decent job with a fairly good salary. Have about 11k in savings. Manage to save ~£750 - £1k per month, putting it into ISA and my regular savers. There are 4…
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saving for children as grandparents
My husband has a grandson who is 4. For around 3 years the mother of the child has refused contact with us. We know that presents we send are not given to the child and cheques are never cashed. We would like to make some contribution to his life as he grows up, but have to accept this may not happen. We thought about…
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5k Overdrawn on savings account! How do they work that!
I have gone £5,000 overdrawn on my savings account, I think because of an international payment that was scheduled. I'm not entirely sure until tomorrow as Natwest never usually show the name of the company or receipient until the next day. Anyway, I think the money has gone awol or maybe takes 3 working days or whatever…
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Best way to invest childrens savings?
At the moment my kids savings of around £1k each are in a basic Nationwide Kids cashbuilder account in their names(wife & I are authorised signatures) I can only guess that thier money is not earning much interest but is tax free. Is there a better way of investing their money in their names like a kids ISA or other..? We…
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Retail Distribution Review (DDR)
Report on Trustnet says "that between 30% and 50% of IFAs will leave the industry because of legislation due on 1 January 2013. New regs will require advisers to hold qualifications or prove that they adhere to professional standards of education. Other reasons given are the move from commission-based to fee-based charging…
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What would you do?!
First post here as I need some advice/opinion from 'real' people! Here's a summary of our (me & wife, 2 young kids) finances: Mortgage of ~£83K in a very preferential ScottishWidows flexible interest only product (tracks at 0.75% above BOE base rate. This is protected for the duration!). 14 years to go on this. Repayment…
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Granada PLC Shares... worth nothing?
Just been told that I should bin my granada Share certificate, is this right? 300 shares worth nothing?
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IFA - Am I being ripped off?
It is a while since I posted on the forum but here goes.... In Dec 2010 I signed up with an IFA to manage my early retirement pension lump sum and also the lump sum from my voluntary severance package from work. The deal was, that from the investments I would draw an annual sum in two tranches, one in May and one in Nov.…
