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Should I transfer from cash savings to shares to protect from Sterling devaluation?
A lot of my wealth is currently in savings accounts and fixed-term bonds (all in UK Pounds Sterling). I am am well aware of how poor the interest rates on my accounts are, and that my money is losing value in real terms due to inflation. However, it gets worse... I am concerned that the BOE's QE policy is having the effect…
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Apple shares - Invest or not invest?
Hello all, I was wondering what people think about investing in Apple shares. The shares have plummeted down over the last couple of weeks. Have the shares oversold and its now a good buying opportunity?
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Whats your S&S ISA Portfolio? (Winners and Losers)
Hi All, Just for fun what is your current S&S ISA portfolio? I always find it interesting to see other portfolios to help with my own investment ideas. To get things started here is mine. Holding Portfolio % First State Asia Pacific Leaders Acc 17.9 JPM Natural Resources A Acc 13.4 Invesco Perpetual High Income Acc 12.0…
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Where to put my lump sum and legacy?
I'm fortunate in that I've recently taken early retirement and took a large lump sum and a smaller annual pension. I'm also about to receive a share of a family legacy. I now have just over the £85,000 protection limit - some in Halifax ISA and some in Halifax online saver. I'll need to move both amounts whne their bonus…
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Vodafone shares - any good?
I am still chasing dividend income in view of the abysmal interest rates on offer. You good people put me onto Centrica and RSA last year. I keep looking a Vodafone, but do you think they have run their course and the only way is down? They do seem to pay out pretty good dividends. So do some companies called ICAP and…
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Which account would be best for me ?
I've put the maximum amount into my ISA account already so i'm looking to see which account would be best for me to open to same money? I'm saving for a house deposit and I bank with Halifax at the moment. Suggestions would be great
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LTSB e-savings
1. Can you close the account online, or have to snail mail them? 2. The interest rate drops to 0.1% after 1 year, how soon can you open a new account of the same type? Triodos Bank for example force customers to wait one year before applying again for an instant access online saver. I guess it depends on the bank/BS.
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BoE hands QE income to Treasury
Bank of England hands QE income to Treasury Just read this article on the BBC......... and a thought sprang to mind. So, if the Government/Treasury are paying the coupon to BoE because they have bought up the debt, with money the BoE invented, and then they are giving the coupon back to the Government/Treasury...........…
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cash in shares?
My daughter is buying her first house, offer has been accepted on a repossession no survey done yet, the company have now said they have a higher offer (over asking price), my daughter has now gone higher but she will need an extra £1k. I have some shares I will gladly cash in, the value of them at present is £1400 and I…
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Pestering from the bank
Hi, I'd like to know if other customers are experiencing the hassle I am getting when paying a few thousands into a current account. I have recently had money moving in and out of my account, these are not life changing sums by any means but still quite substantial. Every single time I am getting phone calls from branch or…
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MSE News: Co-op to safeguard Christmas savings cash
"The group is to protect savers' cash for the festive season in a trust, but only from next year..." Read the full story: Co-op to safeguard Christmas savings cash
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Savings for children
When I was younger, my parents had a Britannic policy for me and my brother (it was in the days when a man came to the door and collected money and marked the book), it gave an amount of life insurance I believe and when the policy matured when I was 18 or so, I was given a lump sum back - do they do these types of…
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Derbyshire Platinum Regular 5% issue 6 !
Great news, two more 5% regulars for Mr & Mrs Speculator!! http://www.thederbyshire.co.uk/savings/monthlysavings/default.aspx?linkidentifier=id&itemid=3665
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When opening a savings account...
Will the bank do a credit check? I'm thinking not but I wanted to check as I want to open two savings accounts.
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Principality Christmas Regular Saver Bond Maturity
Just an urgent reminder to everyone with this bond that you have to make a deposit this month to qualify for the 5.01% rate. From the terms and conditions. 6. To qualify for the Bond Rate as shown in the summary box above, you must make and we must receive all of the monthly Required Investments between the date of your…
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Locking your money away.
Coo'eee, I'm after regular saving accounts that allow you to pay in monthly instalments which you cant access as I have no self control. I've already got one with HSBC and one with Barclays which I pay the maximum of £250 into each one every month and I'm looking at putting away another £250. I get slightly confused with…
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Shares & voting rights
I hold a number of shares in Vueling Airlines, on the Madrid stock exchange, via a UK-based share account which was specifically set up for this purpose. This is my first experience in buying shares. I don't typically have voting rights - AGM etc - because of the nature of the account. Vueling is currently subject to a…
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Barclays re-issued my debit cards
Hi, Out of the blue today I have received replacement cards for both of my Barclays current accounts. My existing cards still work, and hasn't been cancelled by me. Does that mean that my account has been compromised somehow? It's annoying as the new card has a different number, so I will now need to change any linked…
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Post Office Fixed term deposit
I am thinking of placing some funds with the post office as their 2.95%, although not great, is about the best one-year fixed term rate out there right now. Apparently, you need to go to the post office to apply. Ours is a small main post office, here in the Shetland Islands, so it could be a bit awkward to talk about our…
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How best to invest child's inheritance?
Really hoping some of you lovely money savers may be able to help with some advice on this one... my Dad passed away a few months ago and has left my daughter (age 3) approx £30,000. Really lovely of him. At the moment its sat in an executors account earning 0% interest so I must do something soon! I was thinking I'd put…
