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Best share dealing account ?
What is the best online share dealing account ? Obviously fees very important but transparency uttermost etc.
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Energy Bonds
Advert in the Sunday Telegraph (and I assume elsewhere). No basic security, minimum £3K, locked in for three years but 6.5% interest paid quarterly. Seems OK based on the government continuing to push for solar power and providing the financial support. Thoughts? energybonds.co.uk
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Tax position?
If someone gives another person a large gift of cash, say £15k, does the recipient have to pay any tax on it? Thanks in advance for any info on this
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Financial plan ideas?
Hi, I have been a frequent visitor to this site but this is my first post. I am looking for some advice on what to do next money wise. I am 28 years of age, married with an outstanding mortgage of 98,000. I currently save £150 a month into a work based credit union account, £2000 saved, Max I can put in this account is…
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£50-£75,000 to invest
Hi, I use the site a lot (Martin's influenced my savings plans quite a bit up to now), but never noticed the forum until recently. Anyway, I'd appreciate some new thoughts on investing for a new situation I find myself in. My background:- Male, single, 53 years old, home-owner (£400k), straight (if relevant), no…
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Lowest euro cheque charges account
I want to open a sterling account specifically to lodge a 20,000 euro cheque and invest it for 3-5 years. Which are the best banks and accounts bearing in mind what I want of: Highest interest rate Lowest charge for clearing a euro cheque Best exchange rate euro to stg Least typical time for euro cheques to clear Thanks v…
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Can you claim tax relief on Funding Circle investments?
I do not earn over the basic tax threshold. Will I be able to keep all of the 5.7% earning from Funding Circle?
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Time to get out of Equities?
"City sources predict the FTSE 100 will open around 26 points lower than yesterday's close of 6,723.46, weighed down by activist investor Carl Icahn who was reported as saying that a "big drop" could be around the corner, sparking concerns over the recent run on equity markets which on Monday saw US indices reach milestone…
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Get an ISA? Get a pension? Overpay mortgage? Help!
Hi there, I have recently moved and I'm now in a position where I can "save" up to £400 per month. I'm really not sure what to do with this money... whether it is better to overpay my mortgage, put it in an ISA, put it in a pension or something else. My mortgage is about 70% my house value. It's a 25 year repayment term,…
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what to do with a lump sum?
Hello and thanks in advance for the advice. I'm in the process of selling my property which, all being well, will leave me with a fairly large lump sum which we will be using a deposit - when we find somewhere to buy. In the meantime where do I put this money? It will need to be easily accessible if we (fingers crossed)…
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Are better-paid jobs riskier?
One of the criticisms of individual investors, especially younger ones, is that they fail to properly account for their future income stream from employment. Young people, even some who're currently unemployed (but have good prosepcts), are generally far wealthier than they think, because they don't discount the future…
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Unusual one....
Didnt know where to post this so.... Our lad has been left a considerable sum payable when hes 25 (4 years) The trustees are solicitors (cant trust them can you) so i wondered... Who/where/how is the money held, is it safe? Could £30,000 be put into premium bonds with the lad as the beneficiary if any win? or, who gets the…
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The next scandal brewing - retail bonds
Am sure someone else has done this before, but you cannot help but feel a growing sense of unease over the number of retail bonds being issued by lower rated credits to 'Joe Public' or for all those 1980's BG aficionados - 'Sid'. If Tesco PLC (to choose a FTSE 100 stock at random and not as a buying suggestion!!!) decides…
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Motivational Diary, 30 year old baby 1 on the way
Hi, I haven't posted for ages but have a few reasons to want to start this new shiny thread. 1. Baby number 1 due April 2013 :j 2. I have just watched the dispatches programme on pensions last night which has scared me! :eek: I'm hoping if I post my current financial situation I might get some encouragement/advice. I think…
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What to do with my £25000 life savings
Hi all, I have been religiously saving for years and have been putting my savings into ISA and fixed savings accounts. Obviously in the current climate my money is still being reduced in value due to inflation. I was just wondering if any experienced savers could recommend any ways I could at least break even with…
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Cameron's Broken Promises
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Time to get out of Equities?
"City sources predict the FTSE 100 will open around 26 points lower than yesterday's close of 6,723.46, weighed down by activist investor Carl Icahn who was reported as saying that a "big drop" could be around the corner, sparking concerns over the recent run on equity markets which on Monday saw US indices reach milestone…
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Can an Inactive financial advisor work?
Hi I'm not sure I'm on the right board, but maybe one of you good people can advise me :) I just want to know if a Financial Advisor shows as 'Inactive' on the FSA Register, does it mean they cannot work as a FA? I know it sounds stupid, and you probably think I'm daft, but I read somewhere that financial advisors do…
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Help - what to do with money?
Hello :) First a bit of background: I'm 28, I'm in a stable job and had (until recently) been renting a house for the last 6 years. I made the decision this summer to buy a house, and using some money left to my by my mum when she died a couple of years ago, I got together a 15% deposit and invested in a house. The…
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Help me understand my pension performance
About 18 months ago I was enrolled into my workplace pension scheme. It's a very mediocre scheme (I pay 1%, employer pays 2%) , but it's still free money so I'd be silly not to. What I'm confused by is the performance of the scheme. I logged into my account (with Scottish Life) and can see it's invested into the Balanced…
