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New ways of saving
I have closed my William Hill bingo account to save £20-£30 per month I have stopped buying more then one coffee per day £2.15 I have bought a E-cig to cut back on smoking and hopefully stop smoking all together by next month So far I am saving around £60-£70 and if I succeed at quitting smoking I will save around £2000…
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'Living off' £250 a month
So I'm looking for a little support with my new goal... I know this will seem crazy to some of the amazing savers on here, but we all start somewhere right? My rent is about to jump up quite a lot due to circumstances beyond my control, but it will only be for about 4 months, at which point I plan to move into a flat share…
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Withdrawing cash from bank
Anybody seen this story? http://www.bbc.co.uk/news/business-25861717 Frankly I'm amazed it did not get more publicity and public reaction. Before you can withdraw a few thousand from the bank they not only want to know what you want your own money for, but also have to produce a booking receipt or estimate in writing to…
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Unbalanced portfolio?
I’m due to inherit holdings shortly in the following funds and investment trusts. Over time, I hope to balance these out along with my inherited shares and cash to produce a sensibly diversified portfolio. At the moment, many of these funds/ITs seem to be investing in broadly similar areas to one another - focused on FTSE…
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Inherited Shares and Unclaimed Dividends
I have found a couple of forum posts, but nothing recent re this. Apologies if it is discussed somewhere I've missed. My parents each held the 100 free Abbey National Shares from years ago, which had been forgotten about. Mum died in 1999, my dad then went into a nursing home. Over the years, their Abbey National accounts…
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Help with Optimal Payments shares, (OPAY) please
Hi I have some OPAY shares and they have done really well over the last year but now there has been a fair size drop over the last week or so and I am not sure what to do with them. I have read up a bit on them but I am no trading expert and need some guidance, can anyone take a look please at them and give me your opinion…
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Strategy for investment in stocks
Many private investors fail to do well in the stock market primarily because they have unreal expectations of what their return should be. People like warren buffet have consistently returned 20% every year by investing in solid companies. On the other side people who chase for larger returns may get them some year but…
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Cashback and declaring for income tax
Hi all, I have searched the main site and the forum for an answer to my question but cannot find one so could one of you assist please? Does cash back received from banks like Santander 123 account have to be declared for tax purposes? I am new to this as never had any income to declare for tax purposes but due to…
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What to do with Money?
I have £16000 that I want to invest and was looking for some advice on where I can save it with the biggest return but I don't want to risk it and lose it. I was looking at ISA's but the interest rate is very low. Any help would be appreciated.
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Shares in a company
Hi i worked for a company for 2 years from 2007-2009 and received 47 shares whilst employed there , at £6.06 each.when i left i simu forgot about them .. I was sorting a drawer out and come across paper work .. I rang my old company to be told you should have received the value of the shares on my last pay., but to ring…
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Will move from HL
Morning all Me and my wife both hold accounts with HL We each have SIPP 160K / 160k value Vanguard LS 80/20 ISA 40k / 40k value some shares Blackrock global prop secs tracker Unwrapped 50k / 150k value Vanguard global small cap index Vanguard LS 80/20 The new HL charges result in a large increase in annual costs for us. I…
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Interest rates.
After giving the "forward guidance" that rates could rise once unemployment got below 7%, as soon as there is a good chance this might happen the story now changes with Carney saying "It now seems likely that the rate of unemployment consistent with stable inflation in the medium term is somewhat lower than the MPC…
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ISA`s
I`m new to purchasing an ISA so bear with me !! Can I buy an ISA this month -what is the maximum amount I can put in tax free ? Can I buy another after April 1st- also what is the maximum tax free ? are the post office ISA`s one of the better ones ?:undecided
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Borrowed money put into an ISA - where do I stand?
Hi A couple of years ago, I borrowed some money (£5000) from my mum towards a flat deposit, however we ended up not needing it at the time and putting it into an ISA. We are now in a position where we need some of the money (around £2000), but have been able to pay the rest back to my mum. When applying for our mortgage,…
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Help with Capita...
If this is the wrong place to post, I apologise. I recently arranged to sell some BP shares through Capita..... I arranged to sell through the website and they sent the CREST form confirming the sale, now today I received a letter from them stating: we have recently received an instruction to transfer shares out of your…
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Children Insurance Policy - Maturity - Reinvestment
Hi - an insurance policy we have been paying for our dd has recently matured and we have £2,500 to reinvest. Where's the best place to put it? She will be 16 next birthday and I want her to be able to access it either to pay for books, etc at uni if she chooses to go or to use towards a house deposit (drop in the ocean I…
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Isa?
I am retired and my state pension + a little private pension gives me approx. £125 per wk. As that is well below my allowances is there any advantage in getting an ISA as I wouldn't be likely to pay tax on the interest on the savings I have (£30k)? So should I just go for the highest rate I can get and put some in long…
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Pension or ISA/Savings
I'm single, 46 and self-employed but am not earning enough to pay tax, with 2 small children and no other dependents or income. I have an old pension which I ceased paying into years ago whose value at the moment is £19,500 An endowment policy is just about to mature for around £15,000. The thing is, I don't like the idea…
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SIPPDEAL ISA comparison
Quite a few comparison threads on III and HL regards ISA costs. Can someone please throw some pointers/facts on comparing HL and SIPPDEAL ISA fund costs? (googling did not help)
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Cavendish or Charles Stanley?
Funds only ISA. Monthly investment into about 8 funds using full ISA allowance. Am I right in thinking they will both be charging 0.25% and no charges for fund purchases? Am I right in thinking Cavendish have no charge for transfers but Charles Stanley is £10 per holding? Does anyone have any good arguments for or against…
