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Saving 'book' accounts
Hi all,hope you are all well. I am looking to put some money away each month into a savings account, the amount each month will be variable, but it won't be more than £100 per month. My question is do banks/ building societies still offer the old 'passbook' accounts, so you don't get a debit card to draw money out easier??…
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Harlequin in Administration
A few years ago my parents took advice from a financial adviser and they invested my dad's pension in a company called Harlequin which was building luxury apartments abroad. The hope was in a few years time they would be able to sell their apartment to use the money to wipe out their mortgage. My dad retired last August…
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Confusion about when to open an ISA
I'm looking at the 'best cash ISA' page and it says "The golden rule is you can only open a cash ISA with one provider in a tax year". So does that mean when the tax year starts in April, if I haven't moved my rubbish ISA by then I can't move into a new ISA at another time of the year? Essentially, I'm wanting to know if I…
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The 'Top Two' Savings Accounts: ICICI and Ulster Bank
A bonus interest rate is about to come to an end, so I'm looking for a new savings account. I looked into the two top savings accounts (not including the Santander current account) as listed on this site, and have the following to report: I applied online for the ICICI account, and my experiences so far are: * They said…
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Pension or house deposit?
I'm 35, I rent, and I have no pension. I know I'm a bad person so don't start :p I can save up to £700 per month (I don't eat much and abhor turning the heating on ;) So, which to concentrate on? Both is stupid because that just lengthens the time it takes to complete either. I think house deposit because the way things…
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Time to issue shares when option exercised
Hi, I exercised a share option last month. Payment has been taken, but I have not yet received my shares. Is there a time limit on how long they can take to issue the shares? Of course, I can ask politely what they're up to, but knowing these people anything stronger will help. Thanks, MTF.
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Is property still worth investing in?
Hi all, just curious as to good investments really. I'm looking to buy my first house (once the below debts are gone) and really thinking of what to do after that. Do I throw all my spare cash into the mortgage to get rid ASAP or spread the cost over a longer period giving more room to save seperately for other…
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Royal Life Endowment - Please help
Hi I have just found the details for an old Endowment policy I had when I bought my first flat in 1984. It was a Royal Life G Series endowment with a premium of £51.50 and benefits of £5,280 with profits £15,000 without. It commenced on the 26.7.84, first payment 26.5.94 last payment 26.6.09 so has matured. I am pretty…
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Savings - Not an ISA - I do not pay TAX
I currently have a savings account and it pays 2.8% (Till September) but is instant access and hovers arround 2k. It went down to 1.5k but is now back is 2k. I do not pay tax and i want access to the money for cash flow purposes i want an instant access account. These seams to have gone as my current provider only does a…
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Strange "investment" opportunity
I got contacted today about investing in a Michael Caine movie :huh: ... sounded like a total scam googled it and got a few hits. CO-PRODUCTION PARTNER GREEN SCREEN PRODUCTIONS YORKSHIRE, HENRY 5 IS A 100% OWNED AND CONTROLLED BRITISH FILM. * Projected Investment returns of up to 60% * Success estimated global box office…
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Where to put my 10K?
I loaned 10K to a family member in 2007 for purchase of a static van. Hence my VanMan2007 moniker. It looks like I'm getting my "investment" returned at 0% interest, so any advice on a good place to put it? Nothing risky. High street is fine, preferrably an internet account. I'll do some searching. Just posting in case…
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Hats Off to the Co Op
I've just received my Maturity Options for a One Year Bond with the Co Op Bank at a 'relatively' attractive rate with the option of adding additional funds. Well done to them for showing a bit of loyalty to it's savers it makes a refreshing change. :j
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Zopa.com & other p2p lenders
Hi there, Anyone have savings with the p2p lenders, who can give some advice on them, and share any experiences, positive and negative. Have the companies been easy to deal with? Payments made on time etc. Any problems with payments? I know its not subject to the Financial institution guarantee, but would only be a small…
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What to do with £20,000
Hi, Having thought and parked my buy to let and buying a property idea, I have decided that I need to get the £20k I have into an account/s where it is going to make some money. First option is to open an ISA, the Tesco's one with £5760. Secondly, from what I can read, a regular saver account? The First Direct one would…
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Bond ETF Divergence from FTSE All Share
Bond ETF Divergence from FTSE All Share As a 30 year old, I currently have no allocation whatsoever in my pension fund to bonds. I know the traditional advice is to slowly start switching towards them as you get older and have heard some of the 'crude' rules-of-thumb - such as maintaining an allocation towards equities of…
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another lump sum question
I am just turned 60 and my wife and I are thinking of selling our business (just thinking;)). If the circumstances are right and we go through with the sale we could be looking at a lump sum of about £600,000 to £900,000 depending on the obvious volatility of such an endeavour. My daughter has a business which definitely…
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Trackers/Isa's/Charges/Confusion
Hi guys, Just sorting out my investment strategy just now and I hoped someone could answer my questions: I'm looking to invest in tracker funds, with money going into global equities (50%), UK equities (30%) and another 10% going into emerging markets, small cap and value equities. I would like a tracker fund for each, but…
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RateSetter
Iv been looking at the RateSetter website and am interested how the 2% 1 month term works. For instance if i was to lend lets say £100 what would the return be. Also what are these peer to peer company's like? If any investors have any knowledge about this please give me your thoughts.
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RBS Autopilot Bond
Hi I was wondering if anybody on here has one of these. I invested nearly 15k into this in 2012, it's low risk and guarantees your original investment back after 5 years, obviously I would be majorly disappointed if it only returned my original investment and hadn't made me any money. It was my 1st investment and wasn't…
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Help needed 'evolving' my monthly spreadsheet.
Hi there, For those of you that know me, you will know that im incredibly big on self improvement and always striving to reach my potential. Over the last few years, I have created from scratch and developed a monthly spreadsheet on excel with different tabs for every month of the year. Within this spreadsheet, it allows…
