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Interest Rates
I was reading an investment magazine sent to me from HG and there is an article about interest rates in it that makes very depressing reading. Says that experts are predicting that base rate will fall to 0.25% by next year and then a very gradual increase back to 1% by 2019/2020:eek: This is so awful, it has already been…
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Funding Circle - how accurate are their credit ratings?
I've downloaded the statistics/loan book from Funding Circle and have found somewhat of an anomaly... It looks like the C rated loans (i.e. most risky class) have a far lower default rate then the B rated loans. This is somewhat counter-intuitive and leads to me conclude that the credit analysts at Funding Circle aren't…
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Inflation linked savings bonds - do they exist?
A couple of years ago NS&I had a popular inflation linked savings product which was fully subscribed. Is there any type of inflation linked savings product on the market today? I I heard National Grid had issued some inflation linked retail bonds a short while ago but I can't find anything about it . Any ideas?
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Lost share certificates
My father died last March and since then I have bee trying to transfer some shares that were in his name into my mothers name. The company dealing with this are Capita. They claim they sent them out in October and my mother says she remembers getting them, but isn't able to find them. Capita now want £280 for a letter of…
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Messed about over my ISA - should my building society Mae up for it?
I tried to open an ISA with Cheshire Build Society but there was a mix up with the ID I sent them. I got a letter saying they couldn't open the account and if they didn't hear from me within five days, no further action would be taken. I felt I had been messed about by them, so I didn't contact them again and opened an ISA…
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Monthly Interest Cash ISA
Hi Doeas anybody know of a cISA that pays monthly interest? Regards Black Monk
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What's the best current option for child savings?
Hi all, Our son is now 6 weeks old and has been given money that we would like to bank for him, but we are confused by all of the options so was hoping for some advice. Our criteria: 1. We want to be able to make regular payments into it eg £50 per month. 2. We want as high a rate of interest as possible 3. We don't want…
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selling shares via X-O
Trying to sell some shares via the X-O site. It asks me to enter the 'limit price in pence'. The only assistance on the site says you have to enter a "Limit good for today" or "limit through" - nothing about price in pence. If I just want to sell at todays (or Monday's) price, what do I enter?
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Ooooh shares bonus!
Happy Friday night! My DH got an email yesterday to say that he's been awarded a bonus by way of some shares in the company (mainly because he whinged at them and staff keep leaving). What are the tax implications of these in terms of actually releasing the cash? He is a higher rate tax payer and he's already got about…
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Cheapest discount broker for infrequent trading of international shares (US) and ETFs
Hey all, I'm looking for a low overall cost, low frequency trading (maybe 6 a year) account that offers domestic and international share and ETF trading. After looking at different brokers such as SVS securities, x-o.co.uk, Iweb, TD Direct Investing, SaxoBank,Selftrade, Sippdeal and a few others, I've come to the…
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first direct regular saver 8% to be withdrawn
First Direct are stopping their regular saver from 1st February Quote on their website Regular Savings Account to be temporarily taken off sale for new accounts from 1 February 2013.
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Halifax Childrens Regular Saving Payment - Missing
So today I took my Sons save4it book into Halifax to pay in a cheque off his grandparents. We never deposit into this normally so rarely 'update' his book as I'm wheelchair bound so it's a pain to get to branch, instead we usually bank transfer. However, I noticed after paying in the cheque, that the monthly payments we…
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monevator?
has monevator folded? I am just getting blank screens. Tried different browsers, different devices
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List of JISA and CTF equity providers?
Is there any links out there for this? I have 2 children one with a CTF (poor fund choices/providers) and one pending JISA child with loads of choices. Just wondering if there are I can move both to same provider, this might be difficult though. I have lots to consider as quite a few JISA providers have min £500, plus…
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BMSavings 2.35%
Never heard of them before. Anyone have any knowledge of them. Are they safe? FSA protected?
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why can not i find info about company
Wanted to look at tantalus rare earth , looked at morning star , share.com and somewhere else and could not find information about share price history , dividents history , financial state of company etc. Why is that , am I looking in the wrong places ? This is the first company I tried to look up in my attempt to create…
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Beginner investment
I'm seriously thinking of opening a S&S ISA and contributing £50 a month to it! I already have money accesible in a Cash ISA and I'm hoping that my money will grow beyond 2.5% as with a Cash ISA. Also, If I were to get into difficulty, would I be able to stop the payments? Thanks
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Low cost tracker funds for both Gilts and Corp Bonds?
Hi all, I've had no problem finding low cost trackers for Corporate Bonds, and no problem finding ones for UK Gilts. But can't seem to find any which cover both. Any ideas? I'm keeping an eye on the Bond market and may start investing this year if interest rates start to move, and prices drop. But I'm on Hargreaves…
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Unit Trusts Breaking the mould
While all my savings rates have been reducing I have noticed my unit trusts isa's are going up massively. is this because everyone is switching to unit trusts from savings
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Is peer-peer lending worth investing in
One new peer-peer lender is offering lenders 12% annual return on their money, their site is still in beta... But the deal looks too good to be true. The company manages all the loans...you just provide the cash, they promise to get it repaid on time plus the interest. Can it work? Is it a con? And that rate is better than…
