-
Too Scared To Invest
Are people afraid of the risks of investing because of the present-day financial climate? Many people are losing out because of their reluctance to invest money. Are there too many scam investment schemes out there that put people off? Is there not enough advice given when it comes to investing money?
-
Lloyds TSB shares selling
I have about £70 of Lloyds TSB shares (ex Halifax). My dad has also left me the same amount. I want to sell these but don't know how to go about this. I fear that it will cost me a large part of their value but I also want to tie up these loose ends. Any advice please much appreciated.
-
Yorkshire BS Christmas Saver
Has anyone else fallen foul of incorrect form issued by YBS in November. Still have not received this money payable on 1st December so YBS must be sitting on a small fortune if this problem is Nationwide.
-
M&G Optimal Income - too good to be true?
I have recently been hearing stories about bonds being overvalued etc and M&G themselves have advised investors to stop investing in bonds. My question is just how risky is this fund? I know it has a Trustnet Risk Rating of 25 (compared to 100 for the FTSE 100) During the recent economic crisis it only fell 4% in 2007/8…
-
Saving account (for beginners)
OK so I've been working for a year since graduating and all my money has been going into my standard account. I want to have a different account to put some money into and save money, however, I am completely dense in this area and have no idea where to start. My aim is to eventually put a deposit down on a place at least.…
-
How would you invest 1 million pounds
Hello New to the site - just wanted to say thanks for all the wonderful info. A close relative of mine has just come into quite a sum of money, and will have approx £1,000,000 of "free cash". She is thinking that this money will last her a long time, and has spoken to a couple of financial advisers on how to get the best…
-
Not just a straight comparison on interest rates
Whilst M & S have recently topped the interest rate rankings with thier Cash ISA, beware! The rate changes in March 03 and there are serious delays getting the returns started. These two issues mean the APR can be considerably lower than advertised
-
straight talking shares
Hi, I've tried to look at shares several times now, and every time it leaves my head spinning. I'm looking for some traightforward advice on where to put my money. I saw this advice on split a few years ago on Oprah: cash5.0%natural resources7.5%real estate7.5%corporate bonds10.0%government securities10.0%international…
-
Home or Away?
Where is the best place to invest, in the UK or abroad? The UK market may be difficult to enter however it is a safer investment. Overseas markets may be easier to enter however the risk could be significantly higher. All Ideas Welcomed
-
Carpet bagging: to keep or not to keep?
I've de-bagged since the time when i had 20+ bulding society accounts, mainly from mergers etc. I'm still sitting on the folllowing: Brittania Yorkshire Hanley Economic. Nationwide Skipton West Brom. All of the above earning naught-point-!!!!!!-all percent interest apart from Nationwide and Skipton at 5.01% and 3.4%…
-
Children left money in Mother's will
Hello, hope some of you informed peeps can help. My mother died in August this year and left her house to me but her money (about £18k) split between her two great-grandchildren (aged 9 and 7). They will get in when they turn 18. I am the executor of her will. Now I need to set up a bank account for the children. Does…
-
Savings kerfuffle with Fixed ISA - what shall I do with my savings now?
Hello I'm new to the saving process and I think I've got myself in a bit of a mess. I opened a Santander 4% fixed rate ISA in August of this year and made transfers from August to October. It then wouldn't allow me to make any further transfers, so I phoned Santander and they explained I wasn't allowed to make any further…
-
Transferring shares to my wife
Am I permitted to transfer some shares I hold in my Hargreaves Lansdown fund and share account ( this is not an ISA) to my wife without selling and re purchasing the shares? I am a HRT payer and she is BR, so in the event of making a profit on the sale above he CGT threshold, 'we' will only pay 18% CGT instead of 28%.…
-
Barclays - Transfer Funds
I logged in to Barclays to transfer funds to another savings account elsewhere. This, I've done many times and for much higher amounts than I just applied to do. I received the message below. Anyone else experienced this?
-
carbon credits phone call
Hi just had a phone call basically he was asking about savings ect saying there loosing money asked me to make a account on pccarbon.co.uk what is it all about? is it some sort of scam? to be honest he was going on about that much i have forgot most of what he said :o
-
NS and I childrens bonus bonds
just a quick question - is it possible to cash these in once they have matured withut having the actual bond certificates?
-
Inheritance due to nephew in Aus
Would anyone be able to give me any advise, my mother passed away earlier this year and has left money to my Australian nephew who is 15, this money is not to be accessed until he is age 25. I am exector of the will and I now have everything sorted out money wise, I'm not happy about transferring this money to my…
-
Bad news for savers
We already have had the BOE target changed from RPI to CPI, thus reducing the target conveniently. Now we seem to be softening up for the next step. BBC News "Mark Carney, the Canadian central bank head who is due to take over from Sir Mervyn as governor from June, has hinted at the possibility of scrapping inflation…
-
Saving money while living outside UK
OK, let me give you a bit of a rundown about my situation. I'm currently living in Japan, and probably will be for the foreseeable future unless I get deported (joke... probably!). I've got a bank account here in Japan but the interest rates even for savings accounts here are about 0.1% so no point saving here. I've also…
-
Interest rates so low - don't bother saving!
I really don't understand the mindset of people who say this, just read some comments in an article in the daily mail. The article was saying that average monthly savings have risen to approx £90 per month. One of the commentators said it was not worth saving as rates were so low. I offset so I save interest rather than…
