-
HL share price improver
First time I've hit lucky. Sold £2000 worth of Lamprell and got: You gained £2.65 Market price104.75p Your price104.88p Now where does market price come from? Is this a marketing illusion? Do other platforms offer it? Won't get too excited as it doesn't buy even my favourite pint but equally nice to think they looked at 30…
-
Saving £12000 in one year
Hi all, I wondered if anyone could give me some advice. My partner and I are planning to save up £12000 in one year starting from August. We will withdraw most or all of the money at this time and use it to fund taking a career break and traveling for a year. We will be saving regular amounts from our current accounts each…
-
Help with ISA's + saving.
Hey all, I'm a new member to this site, and am trying to figure out what to do with my savings/cash savings. I'm a university student, yet hold a part time job when i'm at uni, which pretty much becomes full time in holidays (like now). I work as a waitress, and we get tips at the end of each month in cash, these I have…
-
AA Internet Extra (Issue 7)
Unlimited penalty-free access Balances under £20,000 2.60% (inc. 1.90% fixed bonus for 12 months) Balances of £20,000 or more 3.07% (inc 2.57% fixed bonus for 12 months) Ts&Cs unclear. "After 12 months the variable rate without bonus will apply, currently 0.50%". But the variable rate currently seems to be 0.70% for…
-
Question about VAT
Sorry if this is in the wrong section but I had a question. Say I am a VAT registered company and purchased 1 item from Germany. Am I allowed to claim back the VAT? I understand I cannot claim back on anything for personal use but what if I claimed it back under the reason that is was a promotional item or a 1st prize that…
-
What is best investment for £30,000
What is the best investment for £30,000
-
Investments
What is the best way to invest £30,000?
-
Easy Question
Hi, I am a noob with £2000. I want to save money for a deposit on a house (around £15,000) within approximately 2 years (I plan to deposit at least £500 a month into savings). My first step is to place this initial £2000 into a Santander 2 year fixed rate cash ISA . Is this a reasonably logical first step? Thanks.
-
how do savings work for income below 8k tax threshold?
I've taken voluntary redundancy for early retirement. Not drawing a pension at the moment so for the first time in my working life I will be earning < the income tax threshold which is about 78K ISTR for this year (2012/13) I have a wodge of cash in a Nat-west e-savings account which is paid net of BRT, and I'm looking at…
-
On TN how do you add the correct fund?
Hi there - I have Trojan Income bought through HL (Class I) on TN you only seem able to add the Class O fund which is a slightly different price. Any ideas?
-
Saving for child
Hi all, I am due to have a baby in August, and my partner and I would like to start up a savings account for him/her with a bit of a difference. I don't want to save for the usual things like a car when they get to 17, or a wedding fund, or even him/her to have when they reach 21. I would like to save for a surprise when…
-
How do you Calculate my ISA yearly Interest ££/amount, for £5000, at a rate of 4%
Can you please calculate the amount of interest I will earn, per year with £5000 in my isa account, at a rate of 4% (I wont be adding any more into it) so 4% isa rate, what is the Yearly interest i will be earning on it? (if £5000 is in it) I don't know how to calculate it. Please show me the formula/equation...and work it…
-
Advice for a cautious student?
Hello! First time posting, hope I get things right... I'm looking for some advice for my brother, who is currently a student and has found himself with a bit of extra money. He is careful about what he spends but is nervous about money in general - he definitely doesn't want to try making use of his overdraft or having…
-
Which savings account?
Hi, So i have a quick question, I currently hold a savings account which pays 3.12% interest which gets added monthly. I have ~£4k in the account and was wondering if the 3.2% santander account would beat this account ( i dont know how to work it out properly as one has monthly interest and the other is annual)....also I…
-
Next Steps for my Savings and Investments
Currently the way I have been handling my savings is to pay up to the £5640 into my Natwest E-ISA and then put the rest that I am able to save into the Natwest E-Savings account that I have. The interest rate is 2.5% AER on the isa and 0.8% on the e-savings. Following on from the thread called "Advice on the product that…
-
Investment Stratergy
I have been purchasing shares/funds on a regular basis for the last few months to keep for atleast 5-10 years, i am interested mainly in companies with a history of paying a good dividend and capital growth. Also one or two of the shares i have purchased are in dollars and on the american stock exchanges does this make any…
-
Child Trust Fund Account OR ISA Account
Hi, I feel really frustrated that I cannot open an account for my granddaughter that no one has access too even me. Is there any building society that I can open one, as I cant see a problem with it. I will still be the trustee and my granddaughter the beneficiary. Its really irritating me, I mean I'm not saying I would…
-
Growth investment trusts
Does anyone have any thoughts on growth-focussed investment trusts? I'm pondering Scottish Mortgage Investment Trust at the moment, largely because it's trading at a discount and I like the cut of their gib. However, I'm relatively new to ITs so are there any obvious options that I'm missing?
-
How much should I save/help me to get straight!
Hi everybody, I have been up and down with my savings since I graduated and unfortunately after being careless and having far too many holidays this year I am now back down to about £1k in savings. Eeek. To give you some background: I am 24 years of age, I moved back in with my parents last April, my outgoings every month…
-
Advice on the product that my IFA has suggested
Hi, I have just had visit from an IFA via the union at work he has recommended the following product to invest in instead of my current Natwest Cash ISA: F & C Lifestyle ICVC using the F & C Lifestyle Cautious Fund. Which on there scale of 1 to 8 of has Risk and Reward Profile of 5. He said the figures he has done are…
