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premium bonds
just a quick question,would the post office have a problem if i went in with 7000 in cash to buy the above.
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Saffron Building Society - Online problems
Their online service was unreliable before their supposed update & improvements last week-end but now it's down again and there's no Sunday telephone service. Wouldn't you think they'd have some Help staff available after a big update until they were satisfied that there were no hiccups. It's really frustrating being…
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Investing for a good return
I have just sold my mother's house as she is now in a care home. I need to invest the capital of over £100K to get the best return as she needs the income to fund her care. I know that it will have to be split between different institutions because of the £85K limit. Can anybody out there help to suggest where I will get…
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Advise needed please...
I have savings of 150k from the sale of property, I never was a big earner so no provision of a personal pension, simply couldn't afford to. My dilemma is where, what to do do with my lump sum, I'm kinda semi retired now at 55 as my health isn't so good, I'd like an Income from it, growth if such a thing is possible and…
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Advice on how to start investing
I currently have some money saved in an ISA, a regular savings account, and I have lent some money on P2P sites like Zopa. I was looking at other investment options like buying shares and government bonds. I saw that several banks offer sharedealing accounts, but the fees for these seem very high for the amount I want to…
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Average savings returns comparisons
I am arguing with the insurance company with whom I hold a pensions retirement savings plan over the negative return / drop in value I have seen over the past 3 years, despite my investment being lodged in their most risk averse "deposit" fund. How / where can I find a sensible % return yardstick for comparison, if say I…
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Fidelity want a driving licence or passport to return money
A friend of mine opened a Fidelity investment fund a few months ago. They took her money and invested it, but later wrote that they need proof of address and a certified copy of a driving licence or passport. The trouble is she doesn't have a driving licence and her passport has expired. She wrote to explain, sending the…
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Ten kay looking for a new home...
My wife is a non taxpayer and she currently has ten thousand smackeroonies in an A and L eSaver account, Issue 5. She received a letter from Santander yesterday to inform her that the current interest rate of 2.36 per cent, paid monthly, is changing in September to the less-than-princely rate of 0.50 per cent. Cheers,…
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Opinions of Peer to Peer
Hi, I have a sizeable amount to invest and as part of my strategy I am considering investing in Zopa, Ratesetter, Funding Circle, and B2B lending e.g. Thin cats etc. I cant put anymore in ISA's or Pensions. I think that there is slightly more downside risk on shares at the moment, (good dividends are no longer there).…
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NS&I Rate Changes
Just got this logging on - rate reductions: Savings account Balance Current interest rate Rate effective from 12 September 2013 NS&I Income Bonds £500+ 1.75% gross 1.76% AER 1.25% gross 1.26% AER NS&I Direct Saver £1+ 1.50 gross/AER 1.10% gross/AER NS&I Direct ISA £1+ 2.25% AER 1.75% AER Sorry about the formatting but you…
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Halifax ISA Platform
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What to do with investment
Hello all this is my first post. I am looking for the best way to invest my cash to make an excellent return. By the time next June hits I will have saved £24,000 through various means and I believe getting a buy to let property is the way to go. My plan was to get a buy to let property and rent that out aiming to get a…
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Advice on finances, please?
Hi everyone, I've been doing lots of reading over the past few weeks trying to figure out what to do with my finances and sometimes think I'm close to knowing what to do, but now feel more confused than ever, and was wondering if anyone here could offer some advice? :) Here are my current finances - Matured santander cash…
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ICICI & security - they emailed details of my current account!
I recently applied online for a HiSave account with ICICI. Things started out OK. First I got a confirmation email that contained just the last two digits of my current account that I'm linking to it - so far, so good. Then they emailed and asked me to ring up to confirm some of my details, which I did. Today, they emailed…
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12% FIXED on investment..?
A company called Harewood Associates is offering a 12% FIXED interest deal - see http://http://www.harewoodassociates.co.uk/fixed_rate_option.html Few details are given other than it is a property investment. What I can't understand is how they can possibly advertise/offer a fixed rate of return on an investment. Can…
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Financial System [still] not fit for purpose
Woolley observed that the financial system exists to channel savings into productive investment — but though it is the world’s highest-paid industry it does not do this basic job well. In Woolley’s words “it is obese, unnecessarily complex, opaque, exploitative and prone to crashes… And the food chain of intermediaries…
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The importance of saving and investment in international trade
ven without counting net exports, this already exceeds the national income of 1 million googlies. C+I+G = 1 billion 50 million googlies. Therefore, net exports must be negative; this nation imports more than it exports by 50 million googlies. Basically, the total demand in the nation is outstripping its productive…
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Lloyds Frisa penalties
Hi people..... Can anyone please help me with my isa smallprint. I have a 2 year frisa with Lloyds which expires next March. I want to withdraw the whole 23k to use as a deposit on a flat but i want to know the penalty to do so. After reading it,am i right to assume i will get charged 180 interest on the 23k. Can anyone…
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How much money is safe for retirement?
[FONT="]What do you think how saving is good for future? What I know is [/FONT] [FONT="]One thing certain about the future is its uncertainty. [/FONT]
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Best investments
Hi I'm new to this forum and basically would like some advice from people who know more about this kind of stuff compared to me. In the next month I will have an ISA maturing and a bond also totally roughly 30k. Last year I got an ISA rate of 3.5% and my bond was 3.2% before tax, been looking around and I can't seem to get…
