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Savings after Uni
Hi, I currently have £1,845 in a 3.05% ISA untill Aug '13, (After which I will transfer to the best rate) I am adding to it where I can and when I finish Uni in May '14 I plan to have around £8800-£9100 saved. I plan to use my savings to live on when I finish uni as I don't want to go on the dole and I forsee a prolonged…
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Freebie Kindle Book - Rethinking the Equity Risk Premium
Rethinking the Equity Risk Premium is an e-book (for the kindle) available for free download via amazon. The equity risk premium is broadly speaking the extra return investors expect by investing in equities rather than in less 'risky' assets such as bonds. In the book are a series of academic type papers discussing the…
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Are mobile credit card machines a good choice?
Hello everyone, I am looking into getting one of the mobile credit card machines (the ones you plug into your phone). But would like to get some feedback from people that are already using them. Can you tell me which brand you use? Are you satisfied with it? I am currently using a verifone stationary, but it's quite…
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How do you guage when to sell/switch?
So i was helping my brother out with his Hargreaves Lansdown S&S ISA as some may remember after paying an IFA to do my own. We're both the same amount of time in (started in Jan) & both deposit roughly the same. The IFA is handling the wife's & my ISAs. I am -£42.25 on what i've invested whereas the wife is -£44.86. I've…
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ISA S&S £2 platform fee on £100 per month investment
Hi, Started investing for the first time this year, and chose ISA S&S. At the moment the amount invested is £100 per month and have no plans to change that. The fund chosen is a Vanguard Lifestrategy through H&L. The monthly fees are £2 and I'm wondering if choosing a fund with a fee is cost effective when the investment…
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Odds of winning at Mecca Bingo?
Hello! Not strictly savings related but you guys seem the best at maths! Bit of a weird question... Does anyone know the odds of winning a 'house' (3 full lines) at Mecca Bingo? Saliant bits of info: 300 people people 90 ball game 11 'houses' won i.e. the booklet of game cards has 11 pages I ask as last night was my first…
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What would you do with...
300k? I've come into a little bit of money earlier than planned. Basically I need a plan on where to put this. Details are: 32, married, no kids (yet) Mortgage: £277k @ 5.7%, 2 year fixed (house value ~£350K) Salary: £80k (+25k bonus) Wife is a lower rate tax payer so possibly some room to move there. My current thoughts…
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Save or pay-off mortgage question
I keep having problems with the maths on this!! I have £92K outstanding on an interest-only mortgage. Monthly repayments are approx £99. Term expires in December 2018. Interest rate is 1.29% tracker. No early redemption fees. I have taken redundancy a year ago and also accessed taken my two pensions early. As things…
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ETF to short the FTSE?
In my foolish quest for financial freedom I am considering taking a punt with a short fund. The volatile FTSE100 rally since June could just be the start of something much bigger but it could also be little more than a relief reaction to the somewhat diminished Greek/Euro debacle. Who knows. I have a large percentage of my…
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BOS Vantage
Anyone whether it is possible to open more than one BOS Vantage, and if so, how to do it? I have opened one ok so far and would like a couple more (to keep my Lloyds Vantages company).
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Sorting Out My Finances
Hi All, As a new year looms and faced with the possibility of redundancy in March 2013; I wanted to sort out my finances to ensure everything is maximised. At the moment I have the following portfollio Premium Bonds - £200. Current Account - £19,000. Student Loan - £5000. Mortgage - £149,000. My salary is £21,500 and if I…
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Is there a savings account that can be operated like a current account?
Anyone know of an account which attracts market rate savings interest that can also be operated like a current account, in particular that allows direct debits being paid out each month? This is part of a buy to let strategy. Wouldn't be interested if the rate of interest is too low, say less than 1.5%. Approx' £18,000 pa…
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Best home for £55k lump sum
I retire on Friday and will have a lump sum of £55K to save/invest and really don’t know what to do with it. With savings rates so low I see little option but to put my money into something a LITTLE riskier. The question is what. I am not looking for something high risk with the potential for high gains but something where…
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Live Share Prices
Hi all, I hope someone will be able to help. Is there anywhere I can see live share prices free. I have been using Shareprice but unfortunately for the last few days I can only get delayed prices.... Thanks in advance for your help.
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UK / Australia share account query
I’m looking to open a share dealing account but have a fewquestions concerning my location and requirements. I’m British, lived in the UK for 25 years from birth, andmoved to Australia temporarily a year ago with a plan to stay in Australia fora further 2 years and then return to the UK. Until now I have been transferring…
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Higher Risk Investments for high income, young household
Hi. She said 'yes' so I guess I'm getting married next year. I am a 28yr old IT contractor in banking and I take home around £110k/year net of tax. She is 28 and is a corporate lawyer, earning 75k (gross - though I've never asked her to prove it).. So I guess once we get married our household net income is somewhere around…
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Low-Risk investment strategy ?
I have developed a strategy for a stocks and shares ISA investment which has been successful over the last 5 years. I lodge a lump sum with my broker in a self-select shares ISA and allocate 1/3 to each lot of shares I buy. After three buys the investment is all utilised so I wait for a profit to show and only buy a new…
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Savings accounts in Spain
My daughter is working in Spain and wants to open an instant access savings account in a Spanish bank. Are there any Spanish comparison websites? Any specific suggestions? Thanks
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Arrests made in suspected carbon credit fraud
http://www.thisismoney.co.uk/money/news/article-2245046/Police-raid-City-office-Financial-Mail-warns-carbon-credits.html https://www.ftadviser.com/2012/12/10/investments/alternative-investments/police-arrest-in-suspected-carbon-credit-fraud-ring-ACts9J5IcrMP1pw7N8oeRI/article.html?ftar=false And for each of the three…
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buying shares on jasdaq - how?
Hi, does anyone know a broker that I can use to buy shares on the jasdaq - most of teh obvious ones don't do it - thanks dave
