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Debt free, now what?
Hi all, It's been, heck I think it's been about two years since i was here last. I am now debt free (last credit card payment will go out just before Christmas) and once I checked my initial plan to go party at the door, I started thinking about my next step. I can, for the next few months comfortably set aside 150 pounds…
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birthday present from IFA
What do you think of an IFA who gives his clients a Lottery ticket for their birthday?
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excellent nat west offer existing e-savers get 2% monthly bonus
i opened the 3% e-saver in Nov and have been very pleased with ease of setting up (about 10 mins) and the instant monthly interest. (I was getting 0.10% with Nationwide!!! - the best no strings account available then!!!) Today in the post have another offer pay in £100 for next 6 months and get 2% bonus per month!!! no…
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HSBC Cartel Plus account
Drug lords furious as HSBC withdraws 'Cartel Plus' account ..........Gang boss ‘El Guapo’ said: “They’ve closed my Cartel Plus and moved my ill-gotten millions into a standard current account with a !!!! poor interest rate. “I’ve looked at Cash ISAs but they’re not really suitable for vast sums of drug money. And there’s…
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Savings Comparison sites including MSE. . .
A poster on MSE's The Top Instant Access Savings Discussion Area asks why the Post Office's 2.35% AER online saver doesn't rate a mention in this site's Saving section / Top Savings Accounts. I've been wondering about this omission, too, but perhaps the savings market is too difficult to track? MSE isn't alone in being…
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ISA Interest question
Hi All, ok so i only really started looking into savings and whatnot this year as i managed to land a new job that give me some spare monies. I opened an ISA in October at 3.01% and it will pay the interest annually, im aiming to have it maxed out in the next couple of months. My query is if i open a new isa in April and…
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AA Internet Extra Issue 5: anyone know the end date??
Just checked our AA online savings account and it's still showing interest of 3.20% gross (AA Internet Extra Issue 5.) This particular issue was launched at 2.6% on August 8th last year and relaunched on December 8th at 3.2% based on a 12-month bonus of 2.7%. As December 8 2012 has now gone, I'm assuming the 12-month bonus…
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Making my money work for me.
Hi there guys and girls, this is my first post on the forum so hopefully I'm posting in the right section. I've managed to save up £15,000 which is currently in a instant access savings account earning very little interest. I would like some feedback and opinions on what people think is the best thing to do with that…
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Share Prices at Hargreaves Landsdowne
I bought some shares at HL and the value is down 10% but the price is up. I got 50 of ticker EWH, which is the ishare Hong Kong index trading on nyse, which cost 617.56 (in pounds). The charges were about 12.00 as I understand, plus 1.70% in forex commission. When it first showed up in my account it was down 3%, which I…
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Pension funds
I have a pension that the company I work for set up for me, I pay into it and so does my employer. About a year ago I switched the fund that the pension is invested in, from a default choice (cannot remember the name), into something a little more risky (well, its called 'UK Opportunities') and this has hugely outperformed…
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Private pension plan v Local Government pension plan
Hello. I have recently started working F/T for my local council and have joined their pension scheme. I currently have a private pension policy with Scottish Widows and an AVC with Standard Life. Should I transfer the private pension and AVC into the local government pension scheme?
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Mother's Pension Pot
Dear Board, My mother (67) is about to sell her business and retire. She has no pension plan but I will be investing her circa £400k+ pot of cash for her retirement income. Our requirements are: 1) Do not want to drawn down any of the capital at this stage 2) Low risk 3) Not too many bank accounts due to pain of setting…
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Q for ses6jwg
As an "insider" can you tell me how often I should be receiving e-statements for my Direct ISA 9 as official channels cannot make their mind up and my wife gets them at a different frequency to me ! Thx if you can assist.
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Excel for loan repayment/overpayment wanted.
Does anyone have an excel spreadsheet for a loan repayment please? I want to finance a young relative's house purchase with a personal loan rather than a mortgage, the idea being I get the equivalent of good interest, while he gets a rate lower than any mortgage available at any time. Thus I need calculations based on…
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M&G Strategic Corporate Bond Class X
What are your opinions on bonds future over all and on this specific one? I ask because I am transfering (selling&buying rather, too small amount in it) this fund from my non ISA account into my ISA account. It is not doing much currently, appart from falling little bit. Obviously investment is for long term, but given…
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how to open a Polish-currency bank account in UK?
I'd like to open a Polish currency bank account at a UK-registered bank (regulated by FSA). Does anyone know if one exists? I tried PKO's London branch but they only do GBP accounts. Google just reveals loads of FX sites for converting GBP to PLN and sending it to Poland, which is not what I want to do. (This is nothing to…
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Buying commodities as a sole trader business investment??
Hi, Possibly a Q for the accountants or tax advisers amongst you.... ..I have my own sole trader business (Engineering based business) Is it viable for me to buy commodities (Gold, Oil etc.) as a business investment with a view to selling them at profit in a year or two? In theory, its exactly what I do with some products…
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Coventry 1 Year Bond
Bond maturing on the 31st with The Coventry,been offered a new 1 year fixed at 2.7%. I think this is only open to existing customers but seems reasonable in the current climate.
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Reducing rates again
M&S advantage cash isa previously paid 3% until 11 Dec. now down to 2.75%, have announced that this rate will be further reduced in March 2013 to 2.25%
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Money coming from US - advice please
I don't know any exact figures yet, but we may be receiving some money from the US soon, as part of a relations estate, and it may be in excess of £10K equivalent. My question is this. Would we be better off receiving the money into one of our existing accounts, having it transferred over to sterling, which will involve…
