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A second (or third, forth, fifth, sixth etc) opinion
Hello everyone, I'm just posting on here really for some second opinions and advice from you all, you've been a great help in the past so I would like to ask you all to have a look here. I'm a recent 'Debt Free Wannabe'. A year ago I had 4k in debt (overdraft, Credit Card and loan), and this was getting progressively…
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Investing for my grandson
I have £5,000 that I wish to invest for my new grandson, anyone with some good advice on where to put it and what ways I can ensure that it is not payable to him until he is 21? Thanks
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Advice Please.
Hello I am currently considering opening a santander 123 account, I currently have a first direct account I opened a year ago. If I'm reading about switching correctly my old account will be closed once I switch but would like to open another regular saver account with FD. Can I do the switch without closing the FD (need…
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10 year savings plan just matured
Hi all, I have just had a 10 year savings plan mature. Monthly payment £14.99 Payout £2066.59 I've calculated that the interest rate I received is about 2.74%. Could anybody comment on its performance compared with other plans maturing now, and whether I would be better off putting my next plan elsewhere. I have taken out…
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Saffron Reg Saver funding requirements
I have opened one today and have sent £200 over, do I have to send subsequent payments on the 20th of each month or does it go by calendar month so I can put the next amount in on 1st Oct?
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How to value an investment property?
Question on valuing investments. Please correct me if I am wrong. The value of an investment yield is worked out by: - (rental income + capital gain) / value at start of period I have 2 properties, a residential and a commercial property. The residential is quite straight forward. Using something like Zoopla or looking at…
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Current account with travel insurance?
I have had a letter from Santander stating that from next September, my current account won't be supplying free travel insurance. I bank online, don't get interest with my current account and also have a Santander E saver online account. I transfer money between the 2 accounts. My interest has been paid into the E saver…
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Where to deposit funds from house sale?
Hello. We have recently sold our home :j and are looking to buy another, but are renting in the meantime. I need to figure out the best way to spread the money so that 1) we get the highest interest 2) it is safe and 3) it is available within 3 months (at least- sooner if poss). Any suggestions would be much appreciated.
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Cavendish Online & Fidelity FundsNetwork £45 Account Fee
Just in case anyone else comes across this confusing information from Cavendish Online and the Fidelity FundsNetwork platform where, when you login to your account, it states that your 'advisor' has opted you into the Account fee (when really is hasn't). Cavendish website states 1/10/13 cavendishonline.co.uk/investments/…
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Stuck on deposting Euro cheque in the UK
I'm not sure if this is the right place for this, apologies if it should be in another section. I will be receiving inheritance money in euros in the next couple of weeks (€30,000 in the form of a cheque) but I'm stuck on what the best option for where to deposit it would be. These are the options I've come up with so far…
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What are these shares in my XO account?
Hi Iv just logged into my XO account and hold shares in Barclays, however noticed some other shares I have not bought...is this related to the rights issue which I intend on buying but have heard nothing about yet? Thanks BARCLAYS ORD GBP0.25 (ones I already own) BARCLAYS NEW ORD GBP0.25 (NPD) (???)
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Foresters
Hello there, I'd like to know if any of you have had (or still has) a fund with Foresters. Thank you! :wink:
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Why won't they sell?
So I'm new to share dealing bought and sold a couple of times so my investment is increasing which I'm happy about. Bought a new one and am confused about something. I bought for say 100p; tried to sell them at say 110p but it kept coming up as 'no quote available, send to dealer'. As they were only up maybe 15 mins I…
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Copy of cheques -any cost HSBC ?
Grandma has cheques drawn on her account and can't remember what they were for...nothing written on cheque stub...is it possible to get a copy of these cheques from the bank (HSBC) and does it cost ? Has anyone had to do hs?
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Using 0% student overdraft for cash ISA
I've read past threads that are old about using the 0% student overdrafts to put the money into cash ISA's. From what I can see is, keep using the accounts so they don't recall your 0% overdraft money back. Put the money into easy access cash ISA's so even if they do ask for the money back you can get at it quickly. And…
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Property Trust PLC shares
I am an executor for a deceased relatives estate and we have found share certificates for The Property Trust Plc. There is a 'closed' post dating back to 2011 relating to the same query. Does anybody know if the shares are still valid and have any value. We have certificates for 10000 1p shares and another for 300 shares…
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What's the best option for me?
Hi everyone, I'm sure this kind of question has been asked before but things change all the time. I've got around £5000 saved in an ISA and have £1000 in premium bonds (Haven't won anything in the year and half it's been in there!!) Going forward I want to save between £500 and £800 a month depending on what I get paid.…
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Please explain the Invensys Schneider deal
Hi, just received the documentation deal through the post and I'm confused as to what to do There's a Mix n Match offer and I want to make sure I've understood it correctly. Here's how I understand it based on 2 options. I have 152 shares Option A: Receive £3.72 cash per share and 0.029555 new shares per existing share. So…
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Very newbie question regarding ISA Allowances
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Motley fool podcast mis advice
I'm a bit behind on these but just listened to the one from a couple of weeks ago about buying your first share. I was a bit shocked by the advice, after explanation of some simple investment terms they seemed to recommend just diving in. No mention of building up a sum in funds for safety and diversification, Just an odd…
