-
How would they know if I had 2 x ISA in a year?
How would it be picked up if I had 2 existing S&S ISA's, and put in more than the max allowance between the 2 in one year? Say I put in £8k in one, and £9k into the other, how would it be picked up? I'm not wanting to break any laws, just genuinely interested? :D
-
Moving back to the UK
I'm currently living in Australia but am planning to move back to the UK in the next couple of years. We've managed to save $150,000 whilst here which we'd like to move back to the UK with to buy a house. My question is should i do that now or wait until we move?? Things are slowing down here and seem to be picking up in…
-
Vodafone
Received this during the week from Equinity, they say the default choice is the Income option. So my question is, is there any benefit to chosing the Capital option? I am not looking to sell any, i'm keeping for the long term. SCHEME OF ARRANGEMENT The Company has announced a Return of Capital to be effected partly by the…
-
Regular Savings Account - help please
Hi - can anyone help me please? I had a regular savings account which matured in December. It paid 8% interest. For the first 7 months I paid in £300 a month then for the last 5 months I paid in £100 a month. Please can anyone work out how much they reckon the interest should be paid on this. I have not put here the amount…
-
Is there such a things as a childs us dollar account
Hello, I have some money for my child in the form of a US dollar cheque. It is not possible to go back to the source and I was wondering if anyone knew of a Childrens US dollar account. I can of course pay it into a UK bank with all the charges and terrible exchange rate, but wondered if there is any alternatives. The…
-
JPMorgan Natural Resources -48% down but still hanging on
Hi, I bought into JPMorgan Natural Resources in my SIPP at its peak and now currently seeing the value of my investment -48% down. I still believe that commodities will rise in 2014 as China etc continue to pick up pace and to be honest cannot face realising such a big loss. Is anyone else still invested is this fund and…
-
Starting to save from age 33
Hello everyone, My first post here, hoping that those more knowledgeable than I may offer some advice. I hope that is not too presumptive of me! I am 33. It has suddenly dawned on me that perhaps I should start saving for my retirement. I've never been the quickest out of the blocks at the best of times and I know this is…
-
Time to Buy Gold?
JPM natural recourses and Junior Gold have been heading south for the last 2 years- a disaster for those who bought in 3 years ago- is it now time to invest?
-
Tesco savings....why has this happened ?
so I had a long standing modest and fully cleared balance in Tesco online savings account (lets say £100). I transferred in via direct debit a larger sum (lets say £5000) a few days ago. my new available balance has now dropped down from the cleared £100 down to £0. the poor call centre chap couldn't explain but has logged…
-
Gross Interest on Savings - Urgent Help Please!
Hello, I am looking for a little advice please. Due to a lengthy period of unemployment, I'll certainly earn less than the annual tax free allowance of £10k (that's correct, isn't it?) for this year (Apr 13-14). I have a savings account and informed my bank recently that I don't think I should be paying tax on the interest…
-
Cashing in a With-Profits Policy with Life Cover
Hi, Back in 1998 I took out a with-profits policy for £5k with Scottish Widows. The investment was done after the birth of our new born with a view to have a saving plan which upon maturity would pay anything above £5k (the initial investment). The policy has life cover built into it. Its been running since and I had it…
-
Save Each Week Savings Challenge
http://lifehacker.com/take-the-52-week-money-challenge-and-easily-save-about-1486564993?utm_campaign=socialflow_lifehacker_facebook&utm_source=lifehacker_facebook&utm_medium=socialflow I found this and it seems fairly achievable and I like the idea! You basically save £1 in week one, £2 in week two and this continues the…
-
REITS- tax position
I am considering British Land. However I don't quite understand the tax position. Is the dividend on a REIT paid gross and then needs to be declared on a tax return? I don't tend to put shares into my ISA because am a lower rate tax payer and just do not envisage a capital gains tax problem, so why pay HL .5% to manage…
-
Sold a fund - settlement T+4 - when will I get the cash?
I sold units in a UCITS fund for which the dealing day was on Monday this week. The fund settlement period is T+4 so I'm expecting the money today. Does anyone know how early/late it should come in? Does that mean that the fund company will do a same-day transfer today so it's not likely to be until this afternoon? Just…
-
Invest or Overpay Remortgage
Long preamble - short question !! At a bit of a loss as to which board to post this, could have been DFW, MFW, or this one. I figured the investment board would be best. I was on a 10 year fixed rate 4.99% from 2009 (on a 15 year mortgage) - I needed a fix as money was tight, and I forecast long term raised…
-
HL Equity Regular Savings?
Has anybody noticed you can now buy shares from £50 a month with a £1.50 dealing fee? Im sure this wasn't there when i last looked.
-
Investement advice
I'm taking redundancy at the end of the year and will be getting a lump sum of £80k (including pension), followed by another £30k in the New year. I need to buy a car and am taking a few months off, planning to work again in April at the earliest. Would appreciate any advice on where to put the money - I need some to be…
-
Neil Woodford
Neil Woodford to join Oakley Capital http://www.moneyobserver.com/news/19-12-2013/neil-woodford-to-join-oakley-capital
-
Selling Shares - complete novice
Hi All, Looking for a bit of advice on what I can do with some shares I was given as part of an ex employers IPO a few years back. I was given a number of ordinary 1p shares when I was there, which were then transferred out of the plan when I left. Some were sold to cover the tax, leaving me with a couple of hundred pounds…
-
cash in a Investment Fund, what does it mean?
I'm looking at the details of a fund I hold with Hargreaves Lansdown and it shows what they invest in, the one I am looking at in particular is Casenove UK Smaller Companies and in the breakdown it says it has 88% invested in the United Kingdom which looking at the top ten holdings looks like shares (if I understand it…
