-
Tax on non-ISA S&S Funds
I have a cash ISA that I want to fund for the forseeable future and also a S&S ISA with HL that I want to fund for another 4 or 5 years I also want to put some cash into HL's non-ISA Fund and Share account and transfer it to the ISA in 4 or 5 years time using my annual allowance over a few years The funds will be…
-
Almost Debt Free - now ?
Hi All I have worked very hard to get myself into the almost debt free position I am in now. Currently I have one credit card left with a £4500 balance on it however this is interest free until Feb 2014. I have about £1400 a month spare after expenses etc. My question is should I concentrate on paying off this one…
-
Advice on savings account(s) please
Hi I have just received a lump sum of £90,000. I am going to invest it in building work, but need to put the money into a saving/s account for the moment. Building work should be completed during 2013, so I need instant access. Should I put it all into an instant access savings account? Advice please.
-
Marks & Spencer share price drop - why?
Have been trying to ascertain why M&S share price dived by 12p on Friday. Only thing I can find is announcement about "blocklisting" but I haven't got a clue what this means. Have tried Google but still can't see anything. Does anyone know what this is?
-
IWEB Share dealing
I am looking at getting back into buying shares, after a few years, but this time i am going to do things differently and not put all my eggs into 1 basket.... looking to invest around £500 a month, and each month a different company has anyone used IWEB as a broker? their charges seem to be very good, and alot cheaper…
-
Moving abroad - What happens to my savings (Especially fixed term savings) ac!!!!s
Please can someone help me out what happens to fixed term savings acs when we move aborad can we keep it till the due date of maturity.
-
Best way to invest 60k...
I've just sold a property in the UK and am looking at the best way to invest the remaining money I have from the sale (60k). I currently live in the Philippines and was hoping to invest into something which would pay me something monthly. I already have 2 annuities which do this but I was wondering if there are any other…
-
20 year old trying to maximise savings!
Hi All Thanks in advance for reading this thread and for any suggestions that you may have for me! Basically I am 20 (soon to be 21) and i am working full time (uni drop out), my ISA for 2012/2013 is now full and I have another in my sisters name which i am currently filling. My income is not great, so i am making the best…
-
Loan interest rates - thoughts
Hi All, Now I know noone has a crystal ball but would like to know what users of the forum think about this. I have my own thoughts and am a little undecided still. I'm asking out of interest so dont worry about me acting on advice from an anonymous forum. :op I'm a frequent reader of the posts here and would be interested…
-
NSI 19th Ed Ind linked maturity..stick or sell?
Hi all,,, I have had a letter from NSI telling me that my 3 yr 19th Ed ind linked cert will soon mature. I can cash in or roll over for another 3 years. The new rate from then on will be 0.25% plus index linking. The new rules are that there is a penalty for premature cash in. Clearly now that HM gov has fuelled the…
-
Asset Protection Scheme - any good?
Hi I recently got info from a company that specialises in APS (Asset Protection Scheme). I am 56 years old and my wife is 48 and we don't have any financial planning in place for us and our 2 children. So to find out more we booked in for a free seminar that they ran and it sounded good. Basically they provided a service…
-
Taking my stakeholder pension
Would be grateful for a bit of advice from you experts please. I am 55 years old and next tax year will be earning well under my personal allowance. Should I take my 25 per cent lump sum in april and then buy an annuity with the rest. I think I should take it now as I also have a local government pension coming out at 60…
-
Opening a new ISA
I already have an instant access ISA and have paid in my maximum amount for this year so can no longer make any deposits. However, I wanted to move my ISA to a provider with a better rate so I opened a new instand access isa online. It said the minimum deposit was £100 so to start with I decided to deposit £100 into the…
-
Advice wanted: 23, £53k savings, currently earning
Hi. I’m 23 with £53k spread as: - £17k in cash ISAs (~3.4%) - £16k instant access (3.2%) - £16k fixed term deposits (~4.2%) - £4k in S&S ISAs The S&S ISA with Hargreaves is something I opened at 19 and have been randomly adding to. It’s mainly for the experience. The money is scattered across 12 actively-managed funds and…
-
Could you make 1% profit a week share dealing?
Random I know, to settle an arguement in work do you think its possible to make a clear 1% profit a week share dealing? Say you had £20,000, and either invested in 1 or 2 rising FTSE 250/350 shares, then safely got out again once they'd risen 1.5% (or more). Then repeat the process? Could focus on 3 or 4 shares and get to…
-
Zopa etc
Has anybody used Zopa or Funding Circle (lend to people/companies at a higher rate than what you can get from a bank, but have the downside of a debt going bad and not getting your money back)? My NS&I index-linked matures this October and I'm not sure if I'll roll it over - add to that, savings rates are poor right now...…
-
LTSB Step Bond, who would find this a good option?
Hello, while awaiting advice from a trusted IFA, various people, including staff at my bank, are flagging up various savings and investment opportunities. This week I have been given information about a 3 year step bond from Lloyds TSB for personal customers from Dec 10 last year. I've not given it much thought but as soon…
-
The End Of Britain?
This is the title of a sales pitch for Moneyweek Magazine. But it makes interesting reading. It predicts financial armageddon, they says its magazine tells you how to avoid it. One of the interesting things (quote) We are not simply talking about shares falling or house prices dropping, which is devastating enough. We are…
-
Saving for Xmas !
Hi Everyone I want to plan for Xmas without having to worry about money, I did look at post office xmas saving club but you don't get interest and can only use with certain companys. anyone know of a good way of saving which keeps the money locked until November and with some interest please ?
-
Do they Credit Check for an ISA/Savings Account?
Quick (and possibly daft) question. If you go to set up an ISA or other Savings Account, do they do a credit check? If so, could a bad Credit Rating prevent you from setting up said ISA/Savings Account, or limit access to the higher interest ones?
