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trust fund for australian teenager
Anybody got an idea about this one. I am an executor of my late Aunt's will. She left money to be put in trust for her great nieces and nephews until they reach 18. We have sorted them out bar one, and this is proving to be a headache. The great nephew is a 15 years old. As there is only 3 years until he can access the…
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Post Office ISA
Husband went to transfer his ISA from Halifax - now offering 1.50% - to Post Office 2.25% for 2 years. Chap at PO said make sure you get form back by 3.00 tomorrow. Must be going to drop the rate.
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Lloyds TBS shares
I bought Lloyds TSB shares in the 1990's and have gradually collected about 600 shares as I re-invested any dividends. I know that they became Lloyds Banking Goup around 2009 and I was offered a Compensatory Open Offer at that time, which I did not take up and I received some money (£89) as a 'compensatory payment'. I also…
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Transfer from FCNR account to UK Bank account - Tax ?
Hi, My friend's uncle has $40,000 USD in an FCNR account in ANZ grindlays bank in India and he wishes to transfer this to my friend's Natwest account in the UK. Will he have to pay any tax on this amount in the UK? thanks
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Depositing a cheque from abroad
I will be abroad for a year and in a few weeks I should get a cheque for my car tax refund/SORN. I can get someone to open the envelope and give me the details written on the cheque, is it possible for me to deposit it into my bank account via online banking while I am outside the UK? Also how long is the cheque valid for,…
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Motley Fool sharedealing new charges
New charges with effect from from 31st March: ISA closure/transfer fee: free (was £50) Rights issues: free. Was £7.50 (online) £2.50 (sharebuilder), free (ISA/SIPP). Transfer out of shares electronically to another stockbroker/ISA to another ISA manager: £25/investment (max £125), was £25/inv no max. Fund dealing: £17.50…
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Questions regarding DRIPs (Dividend Reinvestment Plans)
Hey, If I wanted to undergo a DRIP either directly with the company or via a brokerage... is it possible to add regular monthly sums of cash to the DRIP to buy more shares? Is this difficult or easy to do? Equally, if in the distant future I decide I want to opt out of the DRIP am I correct in assuming that I still keep…
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Fees for investment advise
Hi I am really new to this and trying to find out if this is normal. I have been told that If I want investment advise I will need to pay two fees. One if for the advise and one as on ongoing annual fee. Example Assets to be implemented Up to £75K then the fee would be £950 Between £75,001 and £150K the fee would be 1.3%…
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Understanding how to save and invest
Hi all, I am after some advice. As of last year I was knee deep in debt from divorce and had no spare capacity (been like that for over a decade). From the end of January this has changed and I now have the ability to save up to £2,000 a month. Now I have opened up an ISA for this year with Lloyds which I intend to fill,…
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Halifax Share Dealing - New Charges
I don't know if it has already been commented upon but HSDL have new charges from 31 March. No percentage or custody charge for funds in a dealing account. Only a £12.50 annual charge for an ISA. They have introduced a £12.50 dealing charge for funds and increased the dealing charge for shares to £12.50. Cheaper than ATS.…
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The House Crowd
http://www.thehousecrowd.com/ Anyone have any experience of this crowd sourcing investment in property - seem to offer A Income and equity- 6%per year and 50% profit share on sale (min 1k) B Income only- 7,5% semi annual (min 3k) I
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Cheapest way to replace a lost share certificate
Can anyone help with the cheapest way to replace a lost share certificate. The share certificate is for a recent dividend worth about £200. A few years ago I did this for a lost certificate and wasn't charged anything. But it seems that I have to get insurance from a bank for indemnity as well as admin costs.
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Vodafone windfall
A lot of column inches in today's papers about Vodafone shareholders getting a windfall from the sale of a subsidiary firm [Verizon]. Anyone know if this is for those who owned shares on a particular date, or is it likely that anyone investing now would also be eligible?
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How much savings should i have at 25 years of age?
Ive been working full-time since i graduated at 21 but have no idea as to whether-or-not what im earning is a good or bad salary for someone my age. Doing the figures i also feel what i have saved on average per year might might be poor. Could anyone advise what sort of salary someone of 25 years old should be on? and by…
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Still lots to learn...
I'm finally getting interested in investing and want to be able to look at both the funds in my pensions & ISAs in one place. I'm trying to find a website or app (well preferably app) where I can do this. I've got the free Bloomberg app to start with but can't find any of 'my' funds on it but I can find similar funds. For…
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Modest Investment
Hi, totally new to this. Was a member of my company's share incentive scheme but left before the investment term ended. I know have a small refund (under £500) and would like to invest in something similar, topping up with £50 per month, some sort of share based fund I had thought. I tried an ISA but with online access…
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H&L or X-O for S&S ISA
Hi All, I opened a H&L S&S ISA in Feb 2013, but never used it. I have Share dealing account with X-O and would like to open a new S&S ISA with them too. I have 10K available to add and would be looking to top up through out the year. What i would like to do is minimise my provider cost's. Can anyone please advise if this…
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The Share Centre for holding unit trusts/OEICs for a flat fee
I notice that The Share Centre are going to have a flat fee charging structure for holding funds, which could be good news for people with large portfolios who want to avoid a % charge. They are charging: No tax wrapper: £21.60 per year ISA: £57.60 per year SIPP: £172.80 per year For all accounts they have dealing charges…
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where shall I put some cash
I took out some equity from my property to buy a second flat but the purchase fell through I have now 100k I don't know where to keep it (never had that sort of cash) till I find something else, it may happen shortly or may not happen for a while What would you do? I have been banking for donkeys years with Santander(Abbey…
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Is Virgin Money site down???
Hi, I am trying to access the Virgin Money website (https://uk.virginmoney.com) and it appears to be down. Is this the same for other customers and how often does this happen? Thanks, Jabba
