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E*Trade Wire Transfer - in $ or £?
With my E*Trade account I've been used to wiring proceeds from the sale of shares in US$ to my UK Santander account but would I be better off having E*Trade convert to sterling before transfer? https://us.etrade.com/e/t/estation/help?id=310120000&traxui=SEARCH
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Are my calculations correct? Interest earned??
Hi all Been going through savings guide an noticed Nationwide flex direct offers 5%aer, 4.89 gross. Upto 2.5k for one year. So i would earn £97 for the year as a lower income tax payer ? Is this correct? Thanks
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Santander123
My Santander esaver5 at 3.2% is losing the bonus next month so I've just opened two 123 accounts. One will be phone and gas direct debits, the other council and water. What is your easiest way of fulfilling the £500 a month deposit criteria? Is it valid to send 500 to one and next day sent it from that account to the…
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SAYE Questions
My wife has a SAYE share scheme at work. It's due to mature on the 1st of September. We've been putting £150 a month into it for almost 5 years now, and iirc the plan gives you £600 that they reckon you would have made in interest at the end (we've since taken another plan out for the remaining £100 of her allowance, but…
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Grandad parent opening a childrens saving account.
Hi, please can anyone help. My mother who is a UK resident would like to open a savings account for my 2 boys, however we are expats so not UK residents. Everywhere we have been ask that the boys must also be UK residents. We are in the UK for a month now and trying to open these accounts asap. Thank you.
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NS&I ILSCs - cashing in
i'm cashing in my ILSCs to buy a property i'm pleasantly surprised that these is no penalty when cashing in certificates bought or rolled over before 20 sep 2012 which most of mine are- the figure given by the online calculator is what you will receive give or take a few pounds. i have two that rolled over in may and july…
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A question about buying gold
Just wondered if it's possible to go into London and buy gold? Can I simply turn up in Hatton Garden, find a place that sells sovereigns for example and pay with cash? Apologies if the question seems a bit simplistic but I'd really like to know. The reason is that I'm in London this week and would love to buy a friend a…
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FTSE 100 advice
Hi I hope someone can help me, A financial advisor advised me to invest in the FTSE 100 back in 2009 I have two accounts with the same company amounting to £5000. Obviously it has been invested since 2009 and it's not kicking out until July ish next year. I get letters off this company every year but being a novice with…
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Saving for Children not a Junior ISA
I don't know if there has been a similar post anywhere but basically I am due to have a baby by the end of this year and like all parents I want what is best for my child. So with this in mind I want to start saving for their future. I know there are Junior ISA's about but they give the child responsibility for the money…
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Sigma Asset Management
Hi has anyone had any dealings with Sigma Asset Management - re independant financial advice?
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Instant Access Bank Account for new baby - what's best?
Hi all. We've just had a new baby girl and want to set up some savings/bank accounts for her. For long term savings we're going to set up a Junior Stocks and Shares ISA. We're happy with how these work with only the child being able to access the savings when they're 18. However I'm not sure though what to do about cash…
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Where is best to put my money :)
Good Morning, After some valid points etc to help me save and cut overheads (ie- i like to spend too much) in another thread, I have decided to create this and ask the question. I have so far saved 1300 quid and save 300 a month ontop of this, I just wanted to know where the best place to put it is ? Its currently split…
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Do you have a view on investment crowdfunding?
It’s not something we typically cover but I’m wondering if anyone has views on investment crowdfunding – lending money to start up businesses in return for a share of the profit. It’s come up a few times in meetings I’ve been to recently and I wondered if it was something MoneySavers are doing. I can see many of you are…
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Child Savings
Hi All I want to invest £1000 for my grandson who is 10. He already has a government Child Trust Fund which means he can't have a junior ISA. I know I can add to his CTF but I wondered if there was anything better. Thanks Barry:)
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Gold ETFs: diversification?
I've just read a comment elsewhere pointing out that you can buy different gold ETFs where the gold is kept in vaults in London, Zurich and Singapore respectively. Is there any obvious advantage or disadvantage in using an ETF with an overseas vault?
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Blame the Banks or The Government?
Anyone else utterly frustrated of where to save without inflation (aka negative real interest rates) murdering your capital or without betting on the stock market? Its not like you can get 3% here without locking your money away. Typically you are looking 2.3% (fixed) and 1.5% (instant) and thats gross. Cyprus is silently…
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Best way to save
Hello all, I am 18 and I want to know what would be the best way to save. I have a Santander 123 current account so if I have 1,000 in my account I get 1% interest on it and I can get 3,000 I will get 3%. I get just over a thousand pounds a month. My outgoings are as followed. 294.50 - Rent 42 - Phone bill 100 - Food 5 -…
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investing the James Dellingpole way
Back in 2007 James Dellingpole wrote this in the Spectator Fast forward to now If Delingpole's investment research is the same quality as his mainstream work then this was probably inevitable!
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Newcastle Building Society ISA, IS IT 3% MONTHLY bonus?!?!?
Hi folks, Can somebody that may have investigated clarify...is the Newcastle Building Society big home saver ISA 3% MONTHLY bonus or not. It clearly says on their website under 'interest rates' that Interest = Monthly (Variable, Including Bonus) 2.98% Gross/3.00% AER* Monthly (Variable, Excluding Bonus) 1.98% Gross/2.00%…
