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C&G changed my address with me telling them
I recently moved houses. I made a list of institutions I needed to contact to tell them of my new address. I have an account with C&G, but because it has no online access, I needed to go into a branch to change my address with them. I definitely didn't do this yet because I didn't have time, but today I received my monthly…
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Minimisng tax liability on with-profits bond.
In 2001 took out a With-Profits bond of £50,000 for myself and my wife in a joint account. To draw now it is worth £77-78k. If I draw the money out I will be subject to tax on the difference (£28k) for 2012-13 for my half of the interest payable (£14,000). My tax code is 1085T. My personal allowance £10,660. My married…
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Property or a market tracking fund - 20 year investment
Hi, this could've gone in several areas of the forum but I figured I'd get most sense from here. I'm new to all of this, be gentle. For retirement in twenty years time. (I have a pension, this is to boost it.) Rental property (currently owned). Three bed semi in SL4. Rent pa = £13200 (not using agent) Remaining mortgage =…
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Regular Dis-saver
Who said savings were boring? Here's an idea for a product: instead of a bank asking you to save £250 (say) per month for 12 months for a fixed interest rate and then you have to remember to withdraw the balance on the anniversary because the rate is now 0.1% (say) why can't this be reversed? So you pay your £3000…
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Yorks BS takes over Egg
The best part of being an Egg customer is the Account Aggregation service. On one page all your bank,savings and creditcard accounts from all banks are visible and accessible. Will Yorkshire BS carry this on I wonder? Does anyone know of another similar service I can use just in case. Thanks Egg - its been a real time…
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Coventry Telephone Saver
Top rate for easy access and unlimited withdrawals. I'm thinking about it but I haven't seen any discussion here, which bothers me! One thing I notice is that to arrange withdrawals you have to call them. Maybe that's why it's called a Telephone Saver. Any experience with this account?
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At last some money for Farepak Savers.
HBOS bank has decided to make £8 million available to help former customers of the collapsed Farepak ,after a Judges comments. http://www.independent.co.uk/news/uk/crime/bank-gives-away-8m-to-exfarepak-hamper-customers-7920336.html
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Index Tracker - Regular Savings
Hi there, I am new to investing and would like to start a regular savings plan with H-L into one or two of the following index tracker funds: BlackRock UK Equity Tracker BlackRock Emerging Markets Equity Tracker BlackRock North American Equity Tracker I chose BlackRock as there is no monthly platform fee as opposed to the…
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Funds invested with HL,Skandia & Fidelity
Hi All, I have approx 33K Invested in funds with HL,43K with Skandia and 26K with Fidelity,they have all been there a number of years,is there any benefit of consolidating them all with one company. If so any advice would be welcome
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stamp duty on shares - in simple terms please?
hi - i am a small invester starting to build portfolio through stocks and shares isa. do i pay stamp duty on share? if so how much. HMRC says if its less than £1000 nothing is payable, is that total or per line or share? secondly how and when do i actually pay the duty? on buying or selling shares? do i need to file tax…
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can anyone recommend zero fee stocks and shares ISA provider?
hi - i opened a stocks and shares isa with halifax last year. i invested about £600 in two different company stocks (listed in london). My view was to start building a decent portfolio over time which gives good dividend and may be if i get lucky i can sell some in short time to make some profit. i paid £3 per trade, as…
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Beginner Investor - advice please
I'm looking at putting around £2000 on RBS shares. Supposedly risky I know, but i've bee watching them fluctuate for around a year between 20p and 30p (or 200p and 300p since they were recently consolidated). They are currently at 200p so what I am interested in doing is buying at 200p and selling at around 250p (presuming…
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Alternative Assets - Cazenove MM Diversity
I wonder if someone can help. One of my advisers has included the Cazenove fund above in suggested portfolios he is putting forward to replace an existing portfolio and I have been comparing it to other similar funds in the 20/60 mixed investment category. For example the Investec Cautious managed fund (which he is…
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Investing into Euros
The pound is now buying 1.255 Euros. I can't see it returning to 1.30 so is now the time to drop a little into a fund in Euros? Can anyone suggest any such funds that invest in big Corps in Europe? I like the idea that if the pound weakens later I could make a little extra on the currency? Sort of hedge ;) Even a Euro…
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Building Society savings account with a passbook.
My elderly mother is of the old school type and want a building society savings account with a passbook. I have advised her that she is unlikely to get a high rate of return but as I say, she is old school. Any recommendations? Thanks Paul
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Tax advice
Hi all Somehow I have amassed 150K in savings (inheritance and compensation for an attack). My aim is to get to 200K so that if I lose my job I can live off the interest. This year I had a payrise. I now earn 40.5K so I think my savings interest should push me into the higher rate band. But it's confusing... Of the 150K 35…
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Lloyds TSB Shares
Hi everyone My hubby has just over 200 shares with Lloyds TSB that he's had since he was 13 (he's now 35). Currently they are only worth about £60. We went bankrupt last year and yesterday the official recievers office (who manage the bankruptcy) sent him a letter asking him if he wants to buy the shares and if so to make…
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Is it worth it to close an ISA?
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Hsbc all FTSE tracker vs Vanguard LifeStrategy fund
Hi, Which package would you choose between the two? I am what you would call a passiva investor so the less hassle the better. Money about 20k can be locked for a few years. Thanks
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Laughable experience opening HSBC account
I'm trying to access HSBC's tracker range, for which I need an HSBC account (saver or current account). So I thought I'd open a savings account. I receive a letter from their about the "Online bonus saver" (0.75%!) with some very contradictory information. The want some identification - the usual, including driving…
