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"Dead" Scottish & Newacstle shares
Firstly, sorry if I have posted this in the wrong place. I have just come across a share certificate in my name for a number of shares in Scottish & Newcastle, which was taken over by Heineken in 2008. I had completely forgotten about these - they were part of an employee profit sharing scheme and have been in my name…
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Halifax fiver terms & conditions
Got a letter this weekend saying that to get the £5 on the Halifax reward account it must now be your MAIN account, e.g. salary paid in etc. It is NOT my main account, however I DO swipe £1000 in and then out every month to get the £5. Conditions seem to be: -Needs to be your 'main account' with £750 in every month. -Need…
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Newbie ISA question
Apologies for posing such a basic question. Scenario: [*] Let's say I put the max allowed in an ISA now, i.e. this tax year - this ISA has a bonus that will disappear in a year's time and revert to a rubbish rate. [*] Let's say I open a fresh ISA on April 6, i.e. next tax year. [*] Am I then able, this time next year to…
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IFA home visit re Pension/ISA
Hello and a very happy 2013 to all the readers on here! I'm new, so apologies if this has been covered (I have checked!). On Friday, my new IFA visited me at home to discuss my Pension and ISA. Apparently, due to new regulations they can't claim commission and instead, take one off fees...so I have the following options...…
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Variable ISA rates question
Hi, If I was to start a Variable ISA(e.g 2.8%) can this go up or down anytime over the next 12months or would a fixed rate be a better option. Also are the rates likely to change before April 6th or keep going down?. I know this is really a how long is a piece of string question. I will be grateful for any information…
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Saving for 1st home
Hi all, We're looking for some suggestions on how best to save/invest around £20k which we're planning on putting towards a deposit for our first home in the not-so-distant future (18 months). Have been looking at fixed accounts, but was wondering if there is anything that will get a better return? Thanks in advance :)
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Sale of Property Money advise please... Moved from House Buying +
We hope to buy a property at the same time as we sell, but if we do not manage this, we would have to rent for a few months (if we could find a place that would take us and our dog) Therefore we would like to ask if anyone could tell us where would be the safest place to invest the 'sale money' temporarily, but still be…
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What to do with £200k?
Hi All, i have £200k in a Santander eSaver Issue 4 returning 3% AER, i am low rate tax payer and the eSaver is coming to an end at the end of this month. I have an S&S ISA which i max out every year with a mixture of funds which i am happy with. My mortgage, which is low - is covered by other investments - so i don't need…
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The road to financial independence.
I'm currently 3/4 of the way through my degree and I know that one of my goals in life is to be financially independent one day. I graduate in July 2014 and so I am giving myself from July 2014 untill October 2050 (the month before my 60th birthday) to reach my goal of being financially independent. From what I understand,…
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Joint Savings Account
My girlfriend and I were interested in opening a joint savings account and I wanted to know which one is the best bank to open it in?
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Transferring £20k in one lump
I have around £20k in a Derbyshire Savings account. The rate is set to drop to 1.00% on 1st Feb. I was looking to transfer the whole whack out on 1st Feb, but i remember my uncle telling me when he was wanting to transfer money (25k), he had to do 2x10k & 1x5k over the course of 3 days as there was a 10k limit. This wasn't…
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Cheap Europe index-tracker ETF?
Hi, Can anyone recommend a cheap ETF for tracking equities in developed Europe (preferably excluding the UK), available in an ISA? So far I have found "iShares MSCI Europe ex-UK" (IEUX), which has a TER of 0.4%. Is there anything else I should be aware of? Thanks.
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can anyone help
my daughter has just turned 18 and i was waiting for a letter to come about claiming her trust fund that was set up when she was born [GOVERNMENT ONE ] 1994 Away it hasnt come and ive had a horrible thought that when we moved 12 years ago i may not of changed my address . I cant find any old letters so dont know who to…
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Baby bond or Childs Cash ISA
I am looking to invest £20 a month for my son age 2 months for when hes 18 should I go for a baby bond or cash isa.
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newbie - need advice on cash lump sum
Next month (feb) I will receive 40k from work. What is the best thing to make this money work for me (isa etc..). The only debt I have is 148k mortgage. I am married, my wife earns below the tax threshold and I have a 13 y/o son. Any advice before a financial adviser visit is most welcome. I have no other savings, I have a…
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avoiding fee for not trading shares with barclays
hi . i have bank shares which i purchased through barclays. they charge me a fee for holding the shares, £14.00 per quarter if i dont trade. as i dont trade the shares how can i get the shares into an account where there is no fee or simply get hold of the share certificates. thanksthanks
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Re SIP dividends, how would I calculate an equivalent interest rate
Hi. I participate in a works SIP, making contributions every 4 weeks, dividends are paid every twice a year and reinvested. I should like to calculate an equivalent interest rate on, probably, an annual basis Is there a program or formula? Thanks
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Is this acceptable?
Hi, joined today after a panic concerning savings. I have banked with the Halifax for over 20 years and last year (2012) was advised to meet with one of the financial advisors. In April I met with him twice and after taking his advice transferred some ISA's and invested other funds into what he recommended. Other than…
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Advice required for partner on what to do with a large sum of money short term!
My partner always knew that her dad had a substantial sum of money set aside which was intended as a helping hand towards a deposit for a mortgage. She's had a bit of a shock today, got home to find a cheque for 23k in the post box! We have tried for a mortgage twice in the last year but been rejected on credit scoring.…
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Transfer shares from Dad to Daughter
How can my father transfer his shares to me?
