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Stuck on Banking! Student/Graduate and Saving!
Hi, Last year I finished my 1st degree and was updated to a graduate account, but I am planning on going back to University to do a PGCE and am now unsure if I can go back to a student account or whether this would be even beneficial to me. I am good with money and have never been in my overdraft, even at uni, and have…
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How many 123 accounts can a couple have?
Simple question that hopefully someone will be able to answer How many Santander 123 accounts can each person/couple open? Also, I've just been looking at the 123 ISAs and seen a statement that says deposits must be made by 30 May 2013? Does this mean no money can be put into it after this date? Seems a bit odd?? Thanks…
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isa help
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Smarter Investing - Tim Hale - Question
On the advice of a number of people on these forums I've been reading Tim Hale's 'Smarter Investing'. I don't admit to understanding everything he's talking about but the general gist of it seems to be making sense to me, but I seem to have hit a bit of a brick wall that I could do with some help with. As I'm reading on an…
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L+G's multi manager income trust? expensive?
Hi all; as per the title really. I have spent most of today reading about s+s isa's as i have decided to put away £50pm and want to try and have that money work for me. As a complete newbie to investing, L+G's multi manager income trust ticks many of the boxes for me such as having a wide variety of investment areas and it…
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Transferring from Cash ISA to S&S ISA without taking cash out of the account
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Investment options
I'm tryin to decide on a few investment options for some additional money I have. Currently it's sitting in cash and not earning a lot at all. I have a fully holistic investment portfolio which covers my interest only mortgage and excess. At the moment I don't want to add more money to this, although it is doing very well…
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NS&I Index Linked - don't cash them in!
NS&I Index Linked Savings Certificates are no longer available. However, if you have an existing one and it reaches maturity, you are allowed to re-invest it for either 3 or 5 years. The yield on a 3 year certificate, which has just reached maturity, is 5.2% pa tax free! Unbeatable with most other cash investments, so if…
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child trust funds
Hi all I'm new on the forum and was hoping that someone may be able to give me some advice. I have 3 children aged 8, 6, and 3 all with ctf accounts. When I had my fist 2 children (my 2 boys) I opend their ctf accounts with Barclay's bank and they invested some of it in stocks and we noticed, in statements we received,…
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Saving for a home challenge 2013
Okay so since I'm 18, 19 this year I am wishing to save up for a house or a flat at least. This sparked the idea for this challenge, to save up for a place to call home or to set smaller goals to go towards saving for a home or to save up to buy bits for your home (eventually) Anyone can join in with this challenge, no…
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Cash ISA Query
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Basic ISA help
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Simple solution to finding true% on 6% monthly savings?
Is there a website or simple way of finding the true interest rate on a monthly drip feed account please? E g. £250 a month at 6% headlines rate.( 1yr ). Thanks.
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Buy to Let and Property Investements
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ISA Transfer - Old ISA is now in Debt
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Putting money in each month to an ISA
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OTC Shares and Carbon Credit
Hello folks, Considering Carbon Credit investments. The market is unregulated and would appreciate any constructive advice regarding potential hazards and people worth avoiding. In particular: -How you check that your share ownership is legitimate and what proof you should receive of ownership -How to check that the…
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Virgin Money Problems
Hi Is anyone having problems with Virgin Moneys website at the moment? Also if a faster payment doesnt go through who is responsible the sending bank(Virgin) or the receiving bank. TIA
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Santander 123 current account - direct debits??
Me and the OH are both looking to open the above account. However we dont seem to have 4 direct debits between us. It has to be a direct debit to a utility company/council tax etc We pay our nursery fees by direct debit - could that count as one? Any advice appreciated!
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Finding very old bank account
Hi my mum has just told us about a bank account she remembers her father (who she never saw again and only met once) opening for her when she was 10 yrs old which she could then not touch until she was 21 yrs (it was to buy her a house). Due to a very closed family and lots of tragedy's this was forgotten about/never…
