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Barclays "Everyday Saver" vs. "E-Savings Reward"
I want a simple savings account where I can put money into, but freely take it out when needed (not often) via online banking. I have just opened both an "Everyday Saver" and an "E-Savings Reward" — which is better for this purpose? (I also have an e-ISA with NatWest.)
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What are you saving for?
I've been saving since I've started working, and now have a nice pot of savings. However, now I'm not actually sure what I want to spend my savings on. Here's what I would allocate the money between... Firstly and most important spending it on my part-time degree, and then I'd like the rest to go between buying a used car…
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ISA Transfer
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Saving for Tax, MOT, Insurance etc.
This time next year, I will be completely debt free. I then plan to save, each month, a couple of hundred pounds, to cover the Tax, MOT, Insurance on my car, using whatever is left (if any) for a holiday. That means I need a savings account, where I can pay in monthly, then draw out as needed - currently December for the…
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Mortgage free not wannabee
I have a mortgage of £100,000 and savings of £120k. My mortgage is flexible and not repayable for seven and a half years. It has an interest rate of .49% above base rate so is .99% at present. Previously I had paid down the mortgage then bought a car, new kitchen and extension given that this was all covered by various…
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Help!!..Best saving account with highest interest rate in UK?
hello everybody, i have 500 pounds to open a saving account and i want to put in between 100-300 pounds a month in (maybe 400 some months)... i have another account which will have my living money so it doesn't matter if i cant withdraw from my new saving account for a year or something but i will be wanting to put money…
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Where have all the Fixed Termed items gone?
Tell me, do you think a full range of Fixed Termed Deposits will come back when the QE has ended? Will the QE end (do you think? .... Some suggest after the Autumn input proscribed?) Is it ONLY my imagination but is not QE ADDING to the ever alarming debt of this land? (I just do not understand the BoE I think.) I'm…
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Child ISA or Savings Account?
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Missing childrens Halifax accounts
Hi, Last weekend I rang the Halifax as both of my nieces Children savings accounts were not available to view online. They stated they were having technical problems and had to remove all the childrens accounts but this should be fixed by Wednesday. Checked again today Friday and still not showing. Rang Halifax they…
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Premium bond and Halifax reward current account idea.
Hey folks, I have been lurking in the shadows of MSE for a while now but couldn't find an answer to my question, so thought I'd join the very helpful forums here. So I recently opened a halifax reward current account purely for the £5 reward for paying in £1000 each month. I also own a few premium thousand premium bonds.…
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How do you treat investment income?
I have a query on how you treat investment income in relation to your investment return. If you receive dividend income as cash then this is a mute query but...... If you automatically reinvest dividends or income from UTs (etc) how do you treat the effect that has on your overall performance or cost of investing? If you…
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How save is the Co-Op on credit watch?
The daily telegraph and Reuters have reported that S&P and Fitch have put the Co-Op on 'negative watch' which seems to refer to their credit rating (Google co-op negative watch). This is apparently a downgrade which doesn't sound like good news. Should I close my account? I know that the government guarantees some our your…
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Endowment cash-in?
In 1999 I opened an Endowment Policy called 'With Profits Savings Plan' I paid this for roughly 9 years then ran into serious financial difficulties and had the policy put on hold. Last year I queried re-starting the policy but was told I would need to put in about £400 and as I'd just had a baby couldn't afford to at that…
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Halifax have paid my interest Net in error
Just had a Fixed Rate Bond mature with the Halifax and note that they have paid my interest net instead of Gross. Registiatration for this was done over the phone, but no-one has it registered. Although this interest was credited this week, I have been told that it cannot be corrected and that I must claim it back myself…
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Portfolio Help
Hey i have just started aadding a few funds to my portfolio for this year would appreciate any feedback. Currently; VG Lifestrategy 80% equity income £1000 Lindsell Train Global equity income £1000 Barclays £450 Looking to add possibly jupiter India acc as I feel that long term India is a good bet, and is currently down. I…
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Have isa with rbs but want with NS&I
I currently have a instant access ISA with RBS. I have £0 in it as i dont really use it as i can always get access to my money through online banking so what ever is in there always get withdrawn as i can get access. Im wanting to move it to the NS&I. a few main reasons, i hold premium bonds with them and would like to…
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Where to upt money - high rate taxpayers
Hi - just looking for some discussion on options. We (married couple) are likely to have some spare money each month. Cash ISAs are full. S&S are receiving full allowance monthly. We are higher rate tax payers. I personally have quite a small remaining 40% band after my current pension contributions, whereas my husband has…
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Can Wire transfers + CHAPS transfers be paid into Saving accuons?
I think this is a better place on the forum to ask this. If you have a savings bank account, can wire transfers from others be done into this savings accoung? and also Chaps payments, can they be done from others to a savings account?
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How to get into shares?
Hi All, Hopefully I am in the correct forum? If so, I would like to know what is involved in buying shares. Questions: 1) I understand I would need a broker? If so, can anyone recommend a good company/agent? I am in London. 2) What fees should I expect to pay? Admin fees? Broker fees? Buying Shares fees? Costs? 3) Are the…
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santander 123
hi guys would be interested to hear anyone's pro's and con's, (never heard of an account that pays cash back) about this account, or whether i would be best just sticking my money in their esaver account
