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£2000 what can we do with it
Me and my Mum are trying to save as I must say my Mum has done quite well and she has saved £2000. I my self have only saved a £100! My mum is always asking what should she do with her £2000 and I don't really know. I always think well it isn't that much so what could she do with it. I said she could invest it in stocks…
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Co-op Banking Crisis
Just looking for reassurance really. With all the problems this bank is currently experiencing, I understand from the news that bond holders may lose some money if they were to collapse. Can you please confirm that it is equity bonds which may lose value, and not cash fixed-rate bonds. I understand that all cash, whether…
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Tesco shares - keep until after xmas, or sell now?
I just...I'm not sure whether to sell them now, or wait until after Christmas, does anyone have an opinion on this? I feel if I sell now, I'm losing a bit of money, but...then I can invest in something else. I am going to open a Hargreaves Lansdown Vantage ISA so I can play around on the market (I work at an IFA so the…
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Fund switch
Good morning I have a Hargreaves landsdown vantage isa with two under-performing funds totalling approx £6000 and currently pay £50 in regular contributions. Am thinking of switching ALL into SWIP FTSE All Share Index (SWIP Foundation Growth) Class B GBP Accumulation. As a long term 25 years plus set and forget choice. A…
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Best way to invest £40,000
No longer available
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new to trading / nominee accounts
Hi all I'm relatively new to investing in shares and recently bought through HSBC Invest direct which I believe puts the shares in a nominee account The company I bought shares in are trying to raise capital and are offering a discounted price for new shares at a ratio of 1 discounted share for every 2 owned. As mine are…
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Long Lost Bond
I'm after some advice please ... Over the years, my wife has bought various bonds or set up various savings accounts for the kids, and then forgets about them, often not even giving them a change of address. I'm now attempting to sort these out, and get any long lost money that has been squirreled away in these…
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A good reason to keep hold of Merlin Entertainment Shares or maybe buy
Deutsche Bank has just set a target price of £3.95 on Merlin Entertainment shares: http://www.investoo.co.uk/deutsche-bank-rates-merlin-entertainments-a-buy/ By my calculations, that would be something like a 28% increase on the offer price, so I'm definitely keeping my shares in Merlin for a while yet. Also, if Merlin…
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Charity bank
Hi all, I just wanted to say that since rates are low and for the sake of a fraction of a % it is worth considering charity bank. They are going to reopen their isa in January at 1.5%. I'm not sure if it is to existing customers only. Apart from loaning all the money to charities to help them grow they are also ethical in…
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Birmingham Midshire on-line issue 4
My daughter has just applied on line for the above account this was on the best rate account. I cannot find any details about it now, BM site does not have a link to it. Have they withdrawn this account. She has to send a cheque to complete the process but I am a little concerned now. Can anyone help.
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Help needed. Haven't got a clue!!
Hi guys and girls. My son was left a significant sum from his grandmother when she passed. He is 15 and will get it when he is 18.(21 if I had my way) It is sitting in Barclays with no interest accruing as it is a trust account. What the hell can we do with it that is a no risk investment? A bank manager told me to just…
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Best savings account for home sale proceeds
I am new to the site and was wondering if anyone can offer me some friendly advise / help? I am in the final stages of selling my home, and will not be forward purchasing for a few months, so I need to find a suitable account for my money - approx. £350k. I would of course like to be able to get the best interest rate and…
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foreign currencey inheritance
My son has inherited a large sum from a distant australian aunt. They are due to send him a cheque but he dors not have a bank account yet. What is the best way of getting the most from exchange rates with the cheque? He obviously needs a bank account but as soon as the money is paid it will converted using the banks own…
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NatWest to close e-ISA convert to cash-ISA
The latest money making scheme from NatWest has just come live, they appear to be converting all e-ISA accounts into Cash-ISA accounts. "What does this mean in real terms? If your Cash ISA balance is £1,000 it means you will receive £10 in interest per year instead of £17.50." So the bank thats 40% owned by the people has…
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Unable to access my OWN Coventry account
I have a Coventry "instant access" savings account - that I have been unable to access on line for over 2 months !! I tried to log on 2 months ago (using the grid card and password) and was told "password failed" - so I requested and was sent a password change form - filled it in and returned it About a week later (they…
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Lloyds Vantage Accounts
Hi Can I technically speaking, have nine Vantage accounts between my wife and I? Three single each, and three joint - has anybody tried this out ever? Cheers WW
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Ratesetter - Peer Lending - Falling Rates
Anyone else noticed rates generally falling in Ratesetter I used to put my extra cash into their montly lending pot, lend same or next day for over 2%, but now at 1.4 not sure if theres much point ...
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Kent Reliance
Had a two year bond with Kent Reliance. It takes around 4 days for the money to reach my bank account when it matures. If I want it on the day of maturity I can pay £25. Who get the interest while I wait 4 days for my money. Not good business Kent Reliance in this time of electronic transfer. Will not deal with them again.…
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Endowment shortfall, best regular investment?
Hi all, I am looking to invest £50 per month to cover a shortfall in my endowment mortgage which matures in slightly over 10 years. Any ideas where to invest? Thanks for all replies.
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What do you think?
Hi all, I've recently left my permanent job at £16k a year and am now self employed earning £65K after tax. With all this extra money (as i'm still trying to live as if i was still on my old wage), i am currently putting it in a basic savings account that i've got, but i dont know if this is the best thing to do. As i'm…
