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30k to invest
Hi I am coming off the property market as my monthly income will drop (unwell at the moment) so when I sell my property I will have about £30k to invest somewhere. How you would invest £30k today? Im open to more risky investments and longish term investments as I am unlikely to need the money for a couple of years. I have…
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Which is the best Multiple Regular Savings account?
Can anyone advise if you can generally have more than one regular saver with a bank or building society? Is it possible to open more than one of these Monthly Saver accounts with the same bank/bs and pay in regularly to both monthly saver accounts or are there restrictions? If so, can anyone recommend? Thanks
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How much should I hold in cash?
I can no longer make any further contributions into my ISA as I am now overseas so I just have to make the best of what is already there. It has grown to almost £100K. I cashed in the fund I was in because I found it had high fees for a tracker and I will buy a low cost tracker. But what I want to ask is whether to move…
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Where to put money made from, ‘interest’ gained?
Hi, I have a, ‘few’ Santander accounts, placing £500 into each, per month (including the 2 DD). I have the maximum allowed (£20,000) in each account. I intend to skim the interest off periodically and put it elsewhere for maximum return on it... the question is: Where??? Any help/advice would be greatly appreciated. Take…
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Stop Loss Strategy
So have been investing in stocks on an idnvidual basis for around a year now and fully accept that I am still in the learning stages. One of the companies that I own has seen a tremendous rise (Rightmove) and is a company that I wish to hold for the long term for reasons too numerous to go into now. However this leaves me…
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Too much complacency in the stock market?
This one caught my eye: http://www.marketoracle.co.uk/Article41504.html
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Santander switching
Hi, I was just looking on topcashback about opening a Santander 123 account, it states that "Cashback will only be issued once your account is successfully opened and you have switched from your existing bank using the Santander Account Transfer Service." what exactly does switching involve, what needs to be transfered, do…
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Help explain the shares consolidation anyone???
Hi everyone, can anyone help me with this Biome Technologies consolidation thingy. I bought 471,377 shares in Stanelco which became Biome Technologies. They have since consolidated shares. Long story (long story bellow) short is I have a certificate for 177 ordinary shares at 5p a share. 177 deferred shares are mentioned…
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Stocks & Shares ISA, premium Bonds or regular savings account
Hi, I'm looking for a little bit of advice please. I have around £3,500 to put somewhere - i already have used my cash ISA limit for this tax year so not sure where to put it. I'm trying to add to this total so need to be able to carry on adding to it - though this won't be every month - just as and when I can and I may…
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parents having problems paying loans
My parents who are both 82 cannot afford to pay 3 loans they took out 2 years ago for new windows. They have already reduced the payments but still can't afford to pay them. I really don't know what I can do to help because i can't afford to help them myself. The loans are just in my mothers name. The worry is really…
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Halifax Web Saver Extra - withdrawal penalties?
Hi The Web Saver Extra account imposes a penalty of 30 days' equivalent interest if you make further withdrawals after the first 'free withdrawal'. My question is does it isolate the withdrawals / penalties within the 12 month anniversary window? I think to illustrate it clearer, I'll use this scenario:* My anniversary…
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Savings Bond for an 80 year old
Currently I am looking at best savings bonds for an elderly lady approaching 80, best seen so far is from Brittania, are there any others out there at all?
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6 months to save - Advice desired
Hi there, I'm entirely new to saving. I'd describe myself as financially responsible as I always do my own budgets, but I've never had the income level to consider saving. Now I do, so I'm looking at options. I notice often interest is paid annually, or accounts are at least structured around an annual time frame. This…
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First timer - eye on JPM Emerging & FTSE All Shs
Hi all, been wanting for some time now to start investing and itching to take the plunge now. Have been reading similar posts by people such as 'Saving for £' with great interest. In short, I want to earn as much as I can (don't we all). I'm not averse to taking on risk, I am loosely saving for a deposit in 3 or 4 years I…
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rst timer!
Hi all, been wanting for some time now to start investing and itching to take the plunge now. Have been reading similar posts by people such as 'Saving for £' with great interest. In short, I want to earn as much as I can (don't we all). I'm not averse to taking on risk, I am loosely saving for a deposit in 3 or 4 years I…
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Santander 123 - For Savings - Workaround??
Hi Looking at the Santander 123 Current account for savings & notice Martin says you have to "switch" to it, pay £500 per month & have two direct debits associated with it. Does anyone know, is it feasible just to set up a £500 pm standing order from my main current account & move two direct debits across? Effectively I…
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Where to save?
I have around £500,000 spare to save, but obviously I want my money to work for me. I'm looking for suggestions as to what I can do with it. I don't require instant access to the money, could probably have it tied up for a long period and just take the monthly return to get me by. I don't want any risk involved, unless…
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Save 5k before the new year!!!
Right....im trying to save as much as possible....and intend on saving 5k before jan 1st 2014. Anyone fancy joining me?
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Cash ISA - Have to open new or add to existing
I hope someone can help as I can't find the answer. My now 18 year old daughter opened a Barclays Cash ISA 2012 and currently has £4,616.39 in there, with the last money being Transfered in on 25th June 2013. Now I know you can only have £5760.00 this year in a Cash ISA, but she has some more money to invest (baby bond :D…
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Advice Please
Hi, I am currently 25 years old, I pay 6.5% of my salary into the LGPS and another 1.2% into AVCs. I transferred my previous DC work pensions in when I joined the LGPS. The LGPS is changing in 2014 and my NRD is currently going to be 68 (until they change my SPA again) for the majority of my pension. I dont really intend…
