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online share dealing accounts no mgt fees (HSBC InvestDirect
having just left III i need to find a new dealing account for uk sharetrading on LSE i notice HSBC have InvestDirect and the online fee is £12.95 per trade (plus usual stamp duty levys etc) it talks about 1% upfront fee, is this purely for the investment trusts etc. is the system any good, is the trade automatic, ie you…
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can someone help me finding Stock Exchange Site?
Hi there, I found a really good stock exchange website that I believe was based in London that offered free lectures/tutorials and had a simulator that you can play about with and learn. I have been looking for this site now for 30 mins and havent been able to find it. It had an orange and black theme to it and had quite a…
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Should I take available funds from morgage and put in savings account ?
Long time reader, first time poster ! Have an offset interest and capital mortgage, at 0.5% above base rate. When we took out the mortgage, they gave us extra funds that were available at any time on the same conditions. Just wondering if i should utilise some of these in a savings account. The calculator says if i take…
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Identity requirements to open new account
My mum is 86 yrs old and I invest her savings for her. I am finding it increasingly difficult to provide the required proof of identity required to open new accounts. Unsurprisingly, she has never held a shotgun licence and she has never had a driving licence or passport. In the last 5 weeks I have had to withdraw…
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Car Insurance Admin Fee?
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Nationwide MySave - what happens with direct debit that doesn't work?
So i'm setting up some direct debits due to Halifax's changes. £1k was due to go to my MySave today, but i left the £1k in the wrong account, so it didn't get taken. Do Nationwide keep trying for it or is it a case of - it wasn't there, so tough luck? Is there a charge for this? For anyone saying phone them - it's 11pm,…
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I would value your opinion
I've been reading various threads about investments v cash savings but rather than hijack one, I'd like to ask for your opinions. Situation: early 60s, retired, no dependents. Occupational & state pensions £1800 pm net - more than enough for living expenses :) Assets £200k (1/2 share of home held ‘in common’, no mortgage)…
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Is this investment any good?
A friend of mine has sent me the details for this investment - he is thinking of putting some money into it - any opinions? http://www.signatureliving.co.uk/signature-hotel/invest-in-signature-hotel/
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Money left to my daughter and the £100 rule
My Grandfather left my daughter a large amount of money when he passed away to be put into trust for her until she is 18. Myself and my Mum were listed as people to act as trustees and look after the money. Initially it was invested in an account with the Portman building Society in my daughter's name with myself as…
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Virgin Money savings / Nothern Rock
I have just opened a 3 year savings account with Virgin. However I used to have a mortgage with Northern Rock which I paid off a proportion of but was left with negative equity. The unsecured loan (remainder of mortgage) is now,being dealt with by nram, who I have an agreement in place with. my question is with Northern…
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Silly me, I think I have lost this year's cash ISA allowance -- opinions?
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Childrens mutual and transfer to Forester
Hi, Have received paperwork asking me to vote on this transfer today. I have a couple of plans which mature at the end of this year which have underwhelmed me with their performance. We also have the kids savings with Childrens mutual. Any ideas whether the proposed transfer is likely to be beneficial?
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How much of your monthly wage do you save ?
I'm recently moving in on my own ( just a small flat) but my income isn't the best £14,500. After working out income and outgoings its quite scary what I'm left with to save. Which in reality some months probably won't actually save with xmas, birthdays, car etc. Anyone else in similar situation? I think I'm looking at…
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% cash savings v's Investments
Hi All Myself and my wife are currently 45 / 44 and are looking to retire, or at least be able to retire when we get to 50. As well as knowing if the above aim is doable, I would appreciate your guidance on the % splits we should have between cash deposits and investments and also if the 50 target is reasonable (our NUMBER…
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Virgin Money Savings Account
Hi, hoping someone can advise. I've had a Northern Rock Building Society account for many years and received a monthly interest from my savings which was competitive with the market. I've just looked at my account and realised that since Virgin Money took over I've only been receiving 0.20%. Stupid me for not checking…
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Account for saving house deposit approx £25K
Hi All, I am about to sell my house which will give me approx £25K savings as I am going to move into a rented house for 6 months before buying again. Can anyone recommend a good bank account to make some interest on this money? I cant use the 1yr fixed rates as I will be accessing the cash 6 months after depositing, and I…
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New Saving Rate Reductions
I have just received notification that the rate on Nottingham's eSaver 3 account will reduce to 2.4% from March 8th, and that Coventry's Telephone Saver will reduce to 2.7% on February 1st. The acccounts are currently paying 3.20% and 3.25% respectively.
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£500 2013 Challenge
Hello, I have decided (out of boredom and curiousity) how best I can invest £500 in 2013, until December 31st. I will be buying and flipping things on ebay amongst other things. Last year I made some really good money from that. I bought a car for £50 and sold it 3 days later for £650 after cleaning it up and hoovering out…
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Can government check savings?
Quick question: I am just wondering whether the government can check each person's balance in current and saving accounts held at private banks? Do they have permission to do this? I am just wondering whether it's worth saving or just go out and spend spend spend!
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The rot spreads
(not for new customers) Nottingham eSaver Plus Issue 3, was 1.0 + 2.2% = 3.2% until June 30th, now to be 0.2 + 2.2% = 2.4% from March 8th Nottingham eSaver Plus Issue 4, was 1.0 + 2.1% = 3.1% until Sept 30th, now to be 0.3 + 2.1% = 2.4% from March 8th Until now, while new customer rates have dropped like a stone and clean…
