-
Ways to Maximise Interest on Savings?
Hi everyone I'm sorry if the answer to this question is already within the forums, but I've spent the last two days reading threads and come up with nothing solid. I'm looking for the best way to earn maximum interest on the £40K my BF and I intend to save p/a. We don't have a lump sum, but would be looking at putting away…
-
Capital Gains Tax on Shares and CFDs
Hi All, I've invested in some shares within a share ISA but was wondering how the tax system generally works in relation to gains on share value and CFDs, so would appreciate some advice. I've never filled a tax return in my life as this has always been done by my employers. If, for example, I buy 20K of shares (not…
-
MSE News: 'Teaser' introductory savings rates to be reviewed by watchdog
"Using introductory rates to tempt savers into opening accounts is to be reviewed by the Financial Conduct Authority..." Read the full story: 'Teaser' introductory savings rates to be reviewed by watchdog Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works,…
-
childrens 6% not 6%?
Went into halifax today to open their 6% childrens regular saver for the newest addition. I was told by their adviser that its only 6% per addition each month so at the end of the year it actually works out as 3% which is exactly what their easy access childrens saver is. Anyone else been told this? As I would have thought…
-
Lloyds/TSB are cheques still valid?
Just received a new Lloyds/TSB cheque book last week just before the letter stating they're going independent. Will these cheques be honoured? Thanks
-
Current Accounts with interest
Looking to maximise interest returns other than regular savers and looking at current accounts. Our main account is LLoyds, we have a joint account with 6 Vantage between us. We have banked with Lloyds for over 30 years and will not change. We also hold current accounts with First Direct, Marks and Spencer and Norwich and…
-
Saving for Deposit
Hi Moneysavers, I am looking to save money for a deposit on a flat/house by the time I turn 25 (31st March 2014) and need to know the best way to save until then to maximise! I currently live at home, so save approx. £1000 a month, plus what is left over from my allowence for monthly social/car/etc. normally goes from…
-
Chasing interest rates down, what are people doing?
Hello, looking for advice and opinions. Myself and my husband have held regular savings accounts for numerous years but am now finding it difficult to find homes for maturing funds? A year or so ago we wouldn't touch anything less than 4%, we now have everything available to us at 3%. I am now looking at 2.75%/2.8%!!…
-
Advice on savings and mortgage and loan
Hi, I was after some advice/opinion. I have a mortgage at 2.5% with £137k left. I am currently overpaying by £200 a month with no penalties. I think the house is worth less than we bought it - so we probably have 5% paid off. I also have a RBS expert managed solution (whatever that is - some sort of ISA) worth about 18k. I…
-
GSK: Lucozade and Ribena sold to Suntory.
http://www.bbc.co.uk/news/business-24013720
-
What income can I expect from £1m+?
Hi I hope this is the right place to ask. I have saved regularly in PEPS and SIPPS and also invested in some BTL properties. I am self employed so will not get any occupational pensions. I may be able to save some more but not very big amounts. When I retire in a few years I will have to live off the income my investments…
-
do any savings accounts allow outgoing standing orders?
hi everyone :beer: just opened a first direct regular saver which you pay into every month, but I keep the majority of my money in a Halifax savings account until I need it (as I get more interest this way) and there doesn't seem to be an option to have a standing order into my First Direct account, or even my Halifax…
-
Corporate bonds help
Hello all, Hoping for some help interpreting corporate bond info. I appreciate there is some concern over the bond bubble at the moment, but I would like to consider any means by which I can ge a decent interest rate and beat inflation. These are the things I know; I understand bonds can be traded. I understand that a…
-
Trying to understand AER
Hi there. I'm a bit confused over something and just wondered if anyone could help. I have two savings accounts. One with interest paid monthly, one yearly, with AER calculated on the 31st Dec. Currently my savings are in the monthly account. If I was to move my savings from my monthly account into my yearly account…
-
TSB Enhance
Anyone got an informed view of whether TSB are likely to offer any sign up deals for their Enhance account, or for their Classic account? I'd like to apply pronto but wouldn't mind collecting a sign bonus on the way.
-
Should I close NS&I Direct ISA?
-
Certificated shares
I am looking to buy some shares in an investment trust. Trouble is I like to have a certificate and it seems incredibly expensive to buy shares this way. I always used to buy shares through Lloyds TSB, but they appear to have stopped their share dealing service. I don't do many share trades - probably not even one per…
-
How much can you gift/give, without it getting out of hand?
By out of hand i mean one of you having to pay tax on the gift. We were having a discussion today & in short ... my mum gave me just over £100 every month for many years, which was to help me when i came to move home. The amount was £112 to be precise. I can't remember the exact year she began doing this but i know it was…
-
TSB to return as UK 3rd national highstreet bank, float 2014
TSB is only 1 of 3 banks with branches ranging from north Scotland to Cornwall. Lloyds will separate then eventually completely sell TSB into a competing FTSE listed bank http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10293489/Returning-TSB-vows-to-be-local-bank-benefiting-local-businesses.html Sounds…
-
Lloyds cash ISA Brittania
I transferred my ISA last year from Barclays Golden (first Issue) to Lloyds Cash ISA. My Barclays was giving me 2.23% and would now be dropping to 1.79% in November2013. When I did the transfer I was not told the Lloyds included a bonus. Lloyds has been paying me 2.35%, I only found out about the bonus ending when I got…
