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Tax on interest
Hi I don't have a taxable income, any longer as I no longer work. However I do have some savings, do I have any tax allowance with regards to the interest earned on the savings? Its not a lot of money but over a year its maybe £200+. Thanks Alex
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Spread betting
Alot of mates are in a similar demographic to myself - Mid to late 20's, decent incomes (30-50k), professionals and bored... Afew of my friends have got into spreadbetting via there phone - i have asked a few questions in the last few days as alot 'say' they are making huge amounts of money from it.... From the basic…
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Royal Mint 20 pound coins
HI, I bought some 20 pound coins as an investment when they were released, but have come to realise that they are very unlikely to increase in value. How can I use them or exchange them? Anybody tried this? I asked at Natwest but they wouldn't accept them :( Thanks
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Us + saving = house (my saving diary)
Hello all :beer: Long time no posting just lurking!! But finally me and the DH have decided to make the brave step in to home ownership! :T I have decided to use my favourite site to keep a savings diary!! We already have some savings and started last week to REALLY pull our belts in and save save save All and any advice…
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BoS/Lloyds/TSB Vantage accounts - maximum?
BoS, LLoyds and TSB all offer 3% Vantage accounts. I have Lloyds Vantage and know only 3 is allowed nowadays (gone were the days where 7 were allowed!) Can I still open 3 more BoS Vantage, and 3 more TSB Vantage? Thanks in adavance?
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21 Years old with £30,000.00 in Premium Bond is time to invest somewhere else?
I am 21 with £30k in premium bonds which i worked hard to save. The last 4 months I have won Nothing. I held for over 1 year and half and only won £250 in £25 prizes never £50's. I saw some of the other saving accounts and I could see that I could get £80 in Interest each Month. I not sure what I should do?. I could leave…
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Investment planning for 67K
First time poster, long time reader. Some brief history, I am 33 years old, I have always been very carefull with money, saving and paying off my mortgage, I am now in the situation that I have money to invest but am completely new to it. My financial status is: Mortgage is paid off, however I have an offset morgage with…
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Shale Gas.....
What are everyone's thoughts on it and the companies involved as a long term investment? I have read in some articles that America are on their way on 'energy independence' and there is even talk of the energy export ban being lifted...... Could the UK be in line for a similar windfall? I have put money into Igas(IGAS),…
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Share Isa questions
Question removed
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Please help/advise
I am not sure where to post this. My husband and I have assets of around £420,000. If one of us dies (we are in our late 60's), and passes all assets to the survivor, is the survivors inheritance tax allowance £325,000 or £650,000? Our daughter, who is in her 40's is physically disabled could we put some money into a trust…
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Police Mutual Guaranteed Investment bond
Does anyone have any views on this? Its a 5 year product after each 5 year period any growth is locked in. Along side this your investment is guaranteed so even if there is no growth you or worse you get back your initial investments
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2nd cash isa
I already have one cash Isa in my name with natwest. I've had this for about 7 or so years now so I don't know how good the interest rate will be. I have seen another cash isa with saffron building society. Could I open this isa and still keep the natwest isa open also? Thanks
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Am I allowed to give some of my shares to my wife?
I think this si highly unlikely, but if you dont ask I will never now for sure???
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ISA Saving Account for my 20 year old daughter
Hi Moneysavers Need some help and advice. My daughter turns 21 in February and at present she is at University but after she would like to travel. For her 21st I would like to give her some money towards this not a huge amount but don't want to give her cold hard cash because she will spend it on clothes but I was…
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ISA Saving Account for my 20 year old
Hi Moneysavers Need some help and advice. My daughter turns 21 in February and at present she is at University but after she would like to travel. For her 21st I would like to give her some money towards this not a huge amount but don't want to give her cold hard cash because she will spend it on clothes but I was…
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Credit Unions
Can someone advise, in general terms, what sort of dividend or interest rate Credit Unions pay on deposits ? Are these deposits covered by the FSA ?
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Child Investment Plans
With a new baby due in less than a month I want to start a "Child" investment plan of some sort. I have been looking at J-ISAs but not really liking the typical %AER returns. I have been also been thinking about investing with someone like Aberdeen or F&C. Looking to put in £1000 lump sum, and approx £100-200/mth for…
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Monthly vs annual interest
Hi, May seem like a dumb question but how is annual interest calculated? Is it on the remaining balance at the end of the year or is it calculated monthly and paid annually. Main question is: If I were to put £1k in at the start of the year and take out £250 6months later, will I still get 6m interest on the 250 I took out…
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20% p.a. return guaranteed by mansion developers?
A friend of mine was approached by a salesman for a property development company called Stonehaven Group offering a bond with a guaranteed return of around 40% in two years time if he invested a six-figure sum today.How can this be so?If it really is true why does the company need a salesman?The deal must sell itself.…
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Cost of rebalancing portfolio?
I decided to manage my own SIPP last year. I have passive investments, trying to keep costs low with trackers, and funds giving exposure to commodities and property. The total portfolio is about £100,000, and I had planned to rebalance it once a year (unless it moved too far from my target allocations during the year). For…
