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Does opening and closing multiple savings accounts affect your credit rating score?
Hi there, Apologies if this is a silly question. Does opening and closing multiple savings accounts affect someone's credit rating score? We told to ditch savings accounts which, when their bonus rate of interest comes to an end to switch...and I'm at the stage now. Longer term, if I now do this every time I see a new…
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ISA Tax Year confusion.
Hi guys I was wondering if somebody could help. Two Questions:- 1st question I opened a ISA in the tax year 2011/2012 and closed it this month (Jan 2013) . Can I still open another ISA for this Tax year? my 2nd questions:- If I can open a ISA for this current tax year (2012/2013) Can I close it in the new tax year and open…
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Fidelity SIPP's and ISA's - Fees
A few years back as a bit of an experiment I put about £3k into a Fidelity SIPP, invested in a variety of funds to spread risk. It is performing poorly which could of course be down to the funds, but I wondered if I was losing out with fees here because of my small holdings ? eg if there was a fixed minimum fee then any…
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Good time to get out of bank/ bs accounts?
Anyone have any thoughts - I have maxed out my 3% Halifax cash ISA for the last two years but the rate drops to a ‘not even keeping up with inflation’ level at the beginning of March. I am considering putting some/all of the cash into a Vanguard Life Strategy fund. Mathematically, which is the best way to put the money in?…
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Help! HSBC Global Investment Centre new charges
I got something in the mail saying they're going to add a charge in a few months, if you have a clean share class but not a legacy share class. I think. What is a share class? And how do I know which I have? And is this an additional charge of is it just spread out differently?? I have a FTSE All Share Tracker Fund.
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investing in Japan
I have never invested in funds or investment trusts in Japan but according to Money Observer its the fastest growing area. Does anyone have a fund in Japan that has been a steady Eddie? Also, I read today that many investors have taken profits ahead of the two day meeting of the Bank of Japan as new financial measures may…
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standard life shares
i have recently sold my standard life shares that i recieved in 2006 when the company floated.on the day of issue they were worth about 230p i sold them 6 years later for about 320p.As the shares were free do i have to pay any tax on them and if i do is it for the amount they went up(90p) and if i do have to pay tax am i…
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How to find next divident to be paid
I have shares as certificate and I got dividend paid twice last year. It is possible to find is there is a date when next dividend is going to be paid? Also once I transferred my shares to a online account with a broker I suppose I should still continue to get dividend?
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Weird question - foreign bank
Hi, This may come across as a weird question to most of you but I was wondering if anyone knew of a non UK european bank that allowed deposits from someone living in another country. The reason for asking this is that I do not trust the British banking system entirely and I am not on about stockbrokers here but just the…
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Dipping a toe in the water . . .
I'm currently saving £100/week into a cash ISA. (I account weekly not monthly) I want to keep most of this going into the cash ISA for now, as I'm becoming more and more aware that my 8 year old car is going to need replacing sometime in the next few years, and that paying cash rather than using finance for the next car…
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Santander remove OD bacuse I don't use it!
I first opened my current account with Santander in 2007 and was given a 1000 overdraft. Then they reduced it to 800 in 2010 and then to 400 in 2011 and now they will remove it totally in March 2013. I was firstly told that I couldn't increase my overdraft because I didn't have a mortgage with them, then in October I tried…
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What to do with £15000?
Hi, Ive just recently received £15290 in my nans will and would like some advice on how to get the most out of my money. I don't have a mortgage or any debts except student loan and a hundred on a credit card. I'm still at uni for two more years so would ideally like to put it towards a mortgage after that. Ive applied for…
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How much should our household save?
Just want to see others' views on this. Both myself and my OH have full-time job. We live in outer London. Our joint net income is about £5,000 a month. We currently have mortgage £850 per month. Our daughter's nursery fee is 1,000 a month. My monthly travel cost is about £150 as I work from home from time to time. My OH…
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FirstSave - Fixed rate Bonds - Loyalty rates
I have a one year 3.5% maturing in a month or so, so am looking at where to put the funds (£10k). I see from the website that they offer 'Fixed rate Loyalty Bonds' for 'maturing FirstSave Fixed Rate Bond account holders'. I've compared the rates from the non loyalty account to the 'non loyalty' accounts and they seem to be…
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£50,000 to Invest
Hello all, Bit of advice please, I'm in my late 40's, looking to retire at 55, I have a reasonable pension pot, and own a couple of properties which are paid for. I have just inherited £50k which I'm looking to invest for maybe 5 or 10 years, at which time I would then use to supplemenmt my retirement income, what do folks…
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Newbie guide to selling shares
Hi everyone and apologies for asking a question which has most likely been asked a million times already but I've tried searching for through previous threads and can't find the exact info I'm after. Basically I used to work for a company who gave me a certain amount of shares and ever since I've left I've received the odd…
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Best account for mother
Hi My friend has about £5000 to lock away in a cash account for 1-2 years. What accounts do you recommend for this? thanks
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10% ROI year on year
IS this possible, acheivable.. how do people do it year on year? where would i even start Share dividends seem to be about 4% is it always a gamble to get beyond that??
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Tax credits/isa
Does anyone have any idea if you can deduct isa savings from yearly income so for example: Salary £25,000 - £5000 into isa account = £20,000 income put on tax credits form? Thanks for any info.
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Banks missing from best 2 year savings
I noticed this: http://www.moneysavingexpert.com/savings/savings-accounts-best-interest#bestbuys And then I realised that I have two ftd's at the IBB, which are targeted at 3.75% profit rates for one of them and 3% for the other. Currently, they're targeting 2.8% for their 2 year FTD's BLME is also better or at the same…
