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Shall I sell my Unit Trust stocks and shares ISA.
Back in 2009 I subscribed to a monthly stocks and shares ISA. Then I stopped due to a significant drop in income. I get 6 monthly statements and only recently have I attempted to understand all the figures. In total I have invested £1900. It is worth £2600 and I have been checking the share prices for all 3 funds for the…
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£1 premium bond what do I do with it?
I've been having a clear out of junk and have found a single £1 premium bond issued in 1969. I spoke to my mum and she says she brought them (1 each for me, my brother and sister) but that's all she can remember and doesn't know about any paperwork or where the other bonds are. So in short what can I do with my premium…
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Continuing saving upon reaching 16
I would like some advice please my son (age 15) has a Tesco savings account, its in my name, in trust for him. I put his savings in and draw them out for him using cash card or online banking. he's had this since he was approx. 10 years old. we've had a letter saying when he turns 16 the account must either go in his name,…
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Savings advice
My wife and I are both pensioners and we want to set up accounts in her name for tax reasons to act as a saving cotingenies account with instant access should we split the 12500.00 in to two a cash ISA and saving accounts.
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Nationwide Flexi saver issue 1 - pay in over £250
Hello I was just looking back on my savings deposits and on a few occasions i have put in more than the £250 amount. Do i lose interest on the extra? I might be wanting to put a lump sum into this savings account. Would i be able to do this? Thanks
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First joint account, saving for wedding
Hey all, As the title says - my fianc! and I are looking to open up an account together to save towards our wedding in September 2014. If I've understood right, you can't have joint ISAs, and I already have one for myself anyway. What should we be looking for? We'll need easy access to dip into the funds from time to time…
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Ownership within funds
When investing in a fund, do you actually own the underlying stocks? For example, if you invest in a FTSE 100 tracker fund, do you actually own the stocks. This feeds into the wider question of what happens if the fund manager goes bust. e.g. I own some of the tracker fund BlackRock North American Equity Tracker Class A…
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Virgins fixed rate bond
My mother who is 74 was recently widowed and changed a Virgin fixed rate bond into her name (from the joint one with my step father). She has realised the amount, £170,000 is above the threshhold for savings protection and now, due to her finances would like to use some of it for daily expences. She contacted Virgin to ask…
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where to put £50k
this is a hypothetical question, but could well be my situation in a few months time. say you have £50k in the bank, you are age 31 and with a modest paid job (£22k). what would be best? -buy a property, putting down a decent deposit eg around 30-40% -rent and carry on adding to the pot, say £5k a year? or are there any…
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Spain Get Your Money Out Whilst You Still Can?
Well the assistant editor of the Daily Telegraph thinks so? http://blogs.telegraph.co.uk/finance/jeremywarner/100024476/spain-is-officially-insolvent-get-your-money-out-while-you-still-can/ Can someone on this website confirm that Santander is 100% safe in terms of savings or mortgages? I was speaking to someone from Spain…
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Private Lending
I am an individual wanting to obtain 30K financing for a building plot for a self build home. Banks are a no go as I have previously been Bankrupt. I was thinking it would be good if I can find a private individual who wants to make significantly more return on his money than the measly interest offered by savings accounts…
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Disgusting Service From Yorkshire BS
This morning,Saturday,at 10.30 am i went to my local branch of the Yorkshire BS to reinvest 70k in a fixed rate bond. I havent been sure what to do with the money and when the bond matured 2 weeks ago i asked for a cheque to be sent to me which they did. I noticed only one woman was on the desk and the other window was…
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What to do with my money?
Hello, I have sold my half of a property and will receive money for this (duh) in cash. I need to reserve 20,000 to live off for the next 2 years as I am in full-time university studies so do not work. I am 37 and I have no savings or pension at all. Question 1) Should I put the 30,000 I have left all towards my pension…
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TSB Bank IPO worth investing in?
When the details of the IPO are announced later this year would it be worth investing in TSB Bank Plc Could it be profitable this time around, what are your thoughts?
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Transferring natiowide ISA
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online security
what is the best security for online banking i have firewall and anti virus software would it be safer using a usb flash drive
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Vanguard Acc Units Tax Credit
Hi. I purchased some of the following in Jan 2012. Vanguard LifeStrategy 80% Accumulation Units. In Apr 2012, the fund went ExDiv, with a payment date of May 2012 (dates which are identical for this year). Whilst I wouldn't expect a div payment on my Acc units, looking back, I notice now that I received no tax credit for…
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Td direct or cavendish?
Looking at moving portfolio of oeics in isas and have narrowed it down to either td direct or cavendish, the former seemingly giving a bit more research and tools but the latter being cheaper. The one tool,that does look valuable is X-ray which I think td offer, and another main requirement is no transfer out charge given…
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Live for today or Save for the future??
I have always been a saver, this is the reason I am in a comfortable position now, however, recently OH and I have been disagreeing with this. I want the mortgage paid off (should be done in about 5 years) so we have plenty money to save and spend when the kids are older. They are currently 3 & 1, so no point going on…
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Should I choose AVC option or is there something better out there??
I am 57 and therefore due to retire in 8 years time and as a local government officer have been paying into pension scheme since 1992. So will have modest lump sum and pension. However, we are paying interest only mortgage and saving between us £1100 per month to a NWB cash ISA so we have sufficient capital to clear our…
