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Child savings account - non UK resident
My brother has moved to New Zealand with his family. Both of his children have Smart accounts with Nationwide, do these need to be closed?
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Negative interest rate discussed
http://www.bbc.co.uk/news/business-21589128 Bank of England's Paul Tucker backs negative rates idea :eek:
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Help
Hi all, I'm new to all this and I'm hoping someone can offer some advice. I've got a bonds and gilts isa and was wondering if the loss of the aaa rating means it would be best to move out of this into a different account , appreciate any advice , thx
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Is "Debt Free" all it's cracked up to be?
I am currently debt free. This is due entirely from an inheritance in December last year. I have an offset mortgage current account which was at tracker rate (3.65% on a 50% or less LTV?) whilst in "debt", and the moment I went into credit it earns me 0.10% interest. So I opened an ISA and dumped the max (£5640?) in there…
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Funds or Trackers?
I've got my 6 months cash "rainy day" cash sorted out, with £10k sitting in a Santander 3.3% ISA. My pension is (semi) sorted. I have another £5K sitting in a HL S&S ISA, in M&G Strategic Corporate Bond. My 2012/13 ISA allowance is maxed out. I hold a chunk of shares in my employer (Sharesaves and SIP) and am reasonably…
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Move from Cash ISA to S&S ISA for a better return?
Hi, I have £40K in cash ISAs between myself and my wife. We have no mortgage and have 6 months emergency funds in a savings account. In recognition that interest rates are so poor (and effectively eroding our capital due to inflation) I was wondering whether there are any thoughts on what S&S funds I could consider to…
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Inflation.
I've been playing around with historical inflation data in Excel. 1948-present RPI index. I thought it might be valuable for some on the forum, rather than languishing on my hard drive. Worst and best cases for annual inflation in specific time periods. 5 years: Best 2.2%, Worst 16.5% 10 years: Best 2.4%, Worst 14.3% 20…
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F&C FTSE allshare
Hi all looking to find a chart for the F&C Allshare tracker the one they use for the CTF. thinking of moving out of the S&S CTF in general can anyone recommened a good site to look up differant share prices. many thanks :beer:
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Safety Deposit Box
Hi there not sure if this is the right area to post but do any of you know of any banks that are taking on new safety deposit box customers or if any of the private firms are any good? I don't know what it is but the idea of a private safety deposit box firm is a little daunting (although why it should be more than a bank…
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Is this a decent strategy?
I am a 54 and I wish to retire at 60 when my Civil Service finalsalary pension of around £17k (£51k Lump Sum) will be available. My wife, 52, has little pension provision but at age 60 she will also be eligible to receive a small, deferred Civil Service pension of £3k (£9k Lump Sum). We will receive full state pensions at…
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Savings/investment for daughter
My 18 year old daughter has just started work and is looking to save a small amount each month with a view to letting it build up over 10 years or so. I was thinking about some sort of plan like the Axa cashbuilder plan (which my husband has and after reading the threads on here have realised is a horrendous investment!!).…
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Share dealing account for non-resident
Is there any legal reason why a UK non-resident (a British national, lived in UK for a long time but overseas for a few years now) cannot open a share-dealing account in the UK? The person concerned has a UK family address that can be used with the account for all correspondence. Most, if not all, application forms are…
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Capital Gains Tax on Bed & ISA
I am completing a Bed and ISA transaction to shelter some shareholdings. Some of the shares that will be sold are in profit and some are in loss. When I complete the CGT section of my SA do I totally ignore the 'in profit' ones as the capital gain is well within the annual allowance and then claim the full loss on the…
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Child Trust Fund to a Junior ISA?
Hi My 4 year old has a child trust fund which we pay into every month, however the interest rates etc are very poor. Am I able to set up a Junior ISA for her instead and pay the monthly amount that we currently pay into this?
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Sharedealing where to begin with little amounts of money?
Hi, Is there a sharedealing equivalent of Skype, Ebay, Paypal and Facebook that works by an Android app? What I want is something straightforward, simple, and easy to access. Preferably with an Android app (if not mobile compatible site), which lets me invest little amounts of cash here and there. £100 to start with, £20…
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Best account to set up for our two kids
Our two kids are 3 and 7 months. We have savings for them currently under our own names. However I am looking to sort something for the as individuals to get the best interest rate. Just wondering though am I missing something? A lot of the accounts appear to be paid to them on their 18th birthday. Is this correct? To be…
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Are Halifax HBoS Britain's most incompetent bank?
Firstly some background. I moved to my current address 5 years ago. I'm not a Halifax customer, I have NEVER been a Halifax customer, and I never want to be their customer. And until 18 months ago I'd never had any correspondence from the Halifax Around 18 months ago I received a letter which I opened without realising…
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need advice on very small investments please
Hello. I wonder if I may ask you some advice please? My father passed away not very long ago and I need to split his savings; as small as they were; between the grandchildren. When I say small it will probably work out about £150 between six kids. I am looking for something that I know dad will want them to keep or be of…
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ISA 2% Bonus??
Just about to move my ISA and putting it into Cheshire BS, The Cheshire BS (part of Nationwide) ISA Saver pays 2.5% AER. It includes a 2% bonus until 31 July 2014, so diarise to ditch and transfer. You must make a minimum deposit of £1,000 but you can also transfer in previous years' ISAs. Can someone explain about the 2%…
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XO Site maintenance
From their website today: I certainly hope that this is a typo! :rotfl:
