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Bank account needed in Euros
Hi all, Can anybody advise me about opening a bank account abroad? I am buying property to rent to tourist in Italy (Como) area, I will need to be able to receive payments into the account and make payments easily. Also i will need to transfer funds to my uk (Co-operative) account. Which bank is best to deal with in Italy?…
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Locating Woolwich/Barclays Shares
Hello, My Grandmother recently passed away. I am trying to get all her financial information together and have found some old Woolwich (which I would assume would now be Barclays) share certificates in her paperwork. I am not sure if she still has these or if they have been sold many years ago. Does anyone know who would…
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£30k burning a hole
currently apply £33k against our great Coop mortgage (1.09% lifetime) which is at £216k o/s (including £44k interest only). got a fair bit of equity. Question - cash feels king at the moment. do i leave against mortgage - no tax, slowly shortening mortgage (downside of good mortgage rate is litte impact) or invest/ISA up?…
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Fixing Irrationality
My parents have around £40k in Standard Life shares out of a total wealth of ~£200k + £500k home equity. On the suggestion this is a rather dangerous position the response is they've done well and they'll keep doing well with no concept of the pitfalls of lack of diversification or the folly of that statement. Any…
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Nationwide info missing
I've applied for a nationwide a account and today received a form asking for signature and proof of ID. It says to refer to "the enclosed list of acceptable proof" but there wasn't one in the envelope. Does anyone know what's on the list? Is it ID only or proof of address too?
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Taxation for funded PhD students with part time job
Hi, I'm a new PhD student and do some independent part time work to supplement my rather meager research grant. I know my research grant is considered tax free, however I want to check that my side income is taxed independently of my research grant. i.e. that my personal allowance (£8,105 for 2012/13) also applies to my…
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Nationwide website down
Is it just me? I keep getting the website is not available message. I've cleared cookies etc
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Halifax Reward account and qualifying Direct debits
Has anyone used the combination of Tesco Savings and Santander eSave as their two qualifying DD’s to get their free fivers? Just had a slightly worrying phone call with Santander (no surprise there then……) Set up Tesco savings account and direct debits on my three Reward accounts - all showing in my Halifax online banking…
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lodging while paying down buy to let?
My friend was telling me at work about his plans, basically he lives in a shared house as cheap as possible, is single, but also has a house he lets out. His plan is to overpay the mortgage asap, under 10 years. Once he's done this he want's to live off the rent (minus tax of course). He says he wants out of the 'system'…
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Max numbers of Lloyds Vantage account allowed
How many Vantage accounts can one open (regular one's paying 3% till 5K).? I used to have all my money in Santander Direct Issue xx (cant remember issue number, paying 3.2%) but thats coming to end on 19th March. So need somewhere to put my money in. i have just applied for 2 more vantage accounts online so i'll put 10K in…
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artemis income fund
what is the difference in a artemis accumclator income fund and fund and a artemis distribution fund
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Halifax Reward Account changes
I was about to set up a Halifax reward current account, but read there are some changes about to come into effect which make it a bit more of a hassle for the £5 a month. http://www.halifax.co.uk/bankaccounts/current-accounts/reward-current-account/ Does this mean that you need to have 2 direct debits that make a deduction…
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Choosing a S&S ISA fund
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financial independence equaltion
I found an equation to find out how long it will take to become financially independent. (1 - savings rate) / (rate of return on invesments) _______________________________________ savings rate I'm no maths wizz... but I assume the calculation is 1 - savings rate divided by savings rate. In my case: 1 - 38 / 38 =…
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Just found a 2002 girobank cheque
I have found a old Girobank cheque for £200, dated 2002 which was made payable to my late father. He had Alzheimer's, which probably started in about 2002, so this was probably hidden away, it was actually inside a book. is there anything I can do now, as £200 would be useful. thanks
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Capital gains tax question
Hi, Just wondering if someone can help me with a CGT question. I am not in the higher tax earning bracket and have no other shares than the ones I'm going to talk about. In 2011 a SAYE scheme matured so I started selling some shares. In total I put in £9000 over 3 years for the shares. I got 22674 shares at a price of…
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How do i find out the cut off date for dividend pay outs
Hi, I'm still new to the whole share thing but presume there is a cut of point during the year after which investments won't pay back the full dividend or is it always pro-rata from the date of sale? Is there specific terminology that I should be looking for? I'm considering buying SSE shares but have noticed for the last…
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Best Savings Account
Greetings all! I am currently saving up to move out of my parents house. I've managed to bank about 2k in an ISA account. I get 1% interest on that. My question is, is there a better account for me? I won't be touching this money for another 5-6 months at the earliest so I want to earn the most interest in that time as I…
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Should I close old savings accounts?
I currently leave old savings accounts open with £1 in. But if I do that I can't take advantage of rates available to new customers I assume. Is it advisable to close old accounts?
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Does Selftrade hate me?
Hi, I´ve been with Selftrade for a few years and never had any major problems with the online customer service. Well, up until now that is..... After a long time of inactivity, I´ve sent some messages to their online service team but I struggle to get any meaningful feedback from them. It takes up to a week before they…
