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Which style of saving is best for me?
Im 18 and dont understand any fo the bank jargon, ie interest rates Aer rate etc and so have no idea which savings account would be best for me. Im looking to save some of my wages (approx 150-200) each month for a year. I already have a bank account with Natwest, any help would be much appreciated thanks
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A two-parter: short term and long term worries
Sorry if this is cheating, but I have two questions... Firstly, I've been saving for my first house for, well, as long as I can remember. The place I was after fell through at the last minute, and I'd pulled the ~£30,000 deposit out of my cash ISA already. I currently have it with Virgin earning around 2pc, and hope to be…
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Pay slip qu's
Short and simple, hope you can answer (or direct me to relevant forum!): a) Got a bonus from my old employer but in the income tax field, there is an 'R' next to the income tax amount. Essentially I'm getting a tax refund - why? b) ... -> SOLVED. I just started the job and haven't worked a full month yet so income looks…
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S&S ISA Help fro short term investment please
I have been reading and reading about Stocks and Shares ISA's but cant decide without lots more research but wont have the time necessary till April. I am really confused and need your help. I am going to put mine and my Wife's allowance this years and next years into a S&S ISA account with HL. I am on a work contract till…
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What to do with KWL shares
I bought shares in Kewill several years ago, I think for about 60p and forgot all about them. having got a new phone I decided to add these to keep a track, but see they have been bought by another company. How do I cash these in now ? I can no longer find the actual share certificate. After a recent move, many things are…
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CGT on switching to new clean fund classes
In many cases, many of us would be better off switching existing fund investments to the new clean versions of the same funds, because the AMC is typically 0.75% lower (because the clean class does not pay commission). However, does anyone know authoritatively whether selling the old class and immediately purchasing the…
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where to put it
i have £8000 to invest,i currently have a small sum in stocks and shares isa and 40 quid a month into normal isa. whats the giving the best rates at present? or should i wait until march,i have been told new rates come out then. i don't mind locking away for a year or two. i saw online barclays are offering 3.2% 2.5% net…
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Index Tracker Funds
Hi All, I would be grateful if someone could clarify whether FTSE 100 index funds attract dividends? If so,are dividends paid no matter whether the FTSE goes up or down? Please forgive the question if it seems somewhat naive,I'm just about to dip my toe into this type of investment for the first time. Thanks very much. :)
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My bank gives me interest in apr on savings
hello, i have recently been comparing savings rates and thinking about switching isas and savings accounts to get the best deal, but i dont understand the interest rate my bank offers, when i research on here and on my banks home website they list their interest rate in AER but when i search on google there is no reference…
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Setting up Nationwide direct debit?
I recently opened a Save To Buy with Nationwide, only problem is setting up the direct debit? All the accounts share an account number (33333334) but online (HSBC Internet Banking) I have 3 options, Account Number, Sort Code, and Reference. Do I put my long (xxx/xxxx-xxxx-xxxx) account number as Reference 33333334 as…
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Ordinary shares...please help
I am sorry for what I already know is a stupid question but I just cant find a clear answer online. I was left some ordinary 10p shares by my father...which I am about to sell...Tullow Oil shares. Im just a little confused by the whole ordinary 10p share thing....How can I buy ordinary 10p shares ? In which companies ? Im…
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where do I put my inheritance
My husband and I have been given £50.000. We have managed to save over the years so have got some already in Isa's and premium bonds. We do not want to lock it away but want a decent interest investment. Any suggestions?:money:
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over isa allowance.
What happens if you go over your allowance. I have been drip feeding £300 per month with H Lansdown after also investing a lump sum. I just remembered I also topped up a cash isa with Birmingham Miidshire with about £3000. Just done a quick check and have exceeded the limit by about £600. Not sure what to do, keep quiet or…
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Savings plan - help needed
After years of not taking enough care of my savings, I want to set up a savings scheme. I have three options based on the information from this website, and taken from the regular savings, savings, and ISA pages. 1. Drip feed savings from a Post Office savings account (2.1 AER) to a First Direct regular savings account (8…
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Halifax do a Lloyds and introduce a new dd condition
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Help with this if you will?
Hi there gang, Little help with this please? Let me explain first? £7k to invest Need to have access by 1st Nov 2014 to pay off interest free loan. Will have access to other monies till 1st Nov 2014. Can drip into saving idea(s) with around £200 to £250 per month, again will need all by 1st of Nov 2014. All investments etc…
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Penny Shares/Shares in general
So I've recently been studying about the stockmarket, and have about £50. I wanted to buy some shares in a few/a company and leave them for years to come and hopefully they'd be worth something. My Dad did this years and years ago, but unfortunately he doesn't remember how! If anyone could help that would be ace :D
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investing
hi thinking of investing some capital, any one recommend some good companies or best way forward, it seems Martyn's links have been removed?
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£5k to invest?
Hello, I am new to this and I have been browsing through the site and online in general looking for some information. We have £5k to invest but don't know where or how? Preferably 3-5yrs investment but not sure. I have been told that government bonds are more secure and have reasonable returns, who do i speak to regarding…
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Candid Money - Fund Platform Comparison Site
Justin Modray (Candid Money) has set up a fund platform comparison site He describes it in this Candid Money article and there is a link to the site/tool at the end of the article. Had a very quick play and tried it with some HSBC trackers and it provides some useful information. So if you are doing your own research on…
