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20k to invest short-term
I have 21k sitting in a Halifax online saver (0.2%). I'll need to access this within 4-8months to pay for a house extension but I'm wondering if I can do anything with it in the meantime to maximise gains. Leave it where it is? Santander 123? Premium bonds? Any advice appreciated :j
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Accumulation fund type dividends
Hi all, I've been wondering about the difference between the accumulation and income OEIC funds with regards to dividends. For income funds, I understand that the dividend is paid to the brokerage account (or your bank account), so that part seems easy enough to understand. For accumulation funds, I thought that the…
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1.80% ISA with IBB
Thread closed
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UnbeatableHire.com
You invest £35,000. They supposedly rent out motorhomes. They pay you £300 a month straight to your bank account. After 3 years you get your £35,000 back. ~10% PA return. Almost certainly a scam (related to Motorholmes?), but has anyone got further information to back that up.
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Where should my money go??
Hi guys, I'm confused. I have between £3-4k sitting in my current account. (Stupid, I know :( ) Where should I place this money? My partner and I will be using this as part of a house deposit, so I'm not entirely sure how long the money can stay in a savings account or isa. What does everyone think? Thanks,
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which fund
I have some isas in the halifax but not getting much interest. i was going to buy a flat to rent out but that fell through. Im thinking of putting 10k in standard life uk equity unconstrained which has been getting great results for the past 6 years I know this is no guarantee of future success but as my other investments…
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FTSE100 binary betting
OK, it's dangerous, I know! I've been doing this recently and made a couple hundred out of it. Today I placed two 5-min binary bets on IG Index (against FTSE100 going above a certain level) and despite the level not being breached, I lost both bets (and lost double my previous wins, eating big-time into the small amount of…
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Best way to save for a child
I have a 9 month old, and I am thinking of starting a savings account, from now, until they get to 18 or 21. The aim is to save around £30,000 by that point, to either assist with university or a house deposit. Assuming we start saving when she's 1, and it continues until 18, that's 17 years. We were planning on saving…
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Kent Reliance Fixed Rate Bond
I am thinking of opening a Kent Reliance 1 year bond. However I have been put off by the clause on their website which states: 'If you request a closure at maturity, your cheque will be posted to you on the second working day after maturity. Alternatively, the funds will be sent by bank transfer (BACS/Faster Payment)…
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Really need some help (and short of time)
Hi all, I really need some help with my finances. I recently got a fairly substantial bonus at work (part salaried part commission based) but I am going travelling on 3rd July for a year and a half and I really have no clue what to do with my money. I think I may buy into my Gfs flat but that is only like 12k worth since…
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Punjab National Bank Premium Deposit A/C
I'm 1.5 into a 5yr term. Got a letter out of the blue yesterday seem to be offering annual interest instead of at end of term. Anyone else get this letter and understand it fully?
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Stocks and Shares ISA for a Child
Hi, Apologies is this is already discussed. I am looking to get my son (16-yrs) a Stocks and Shares ISA, part from his savings he has acquired from birthdays over the years, and the rest mine as a gift (3K). We are looking at £5k investment. So my question is, how is the gain deemed by HMRC? I fully understand that there…
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SSE Shares - Independent Scotland
Firstly, I promise not to hold anyone to any information you provide :D I have saved regularly in a share scheme and have quite a few SSE shares. I like getting my dividend payment twice a year, and I suspect, this will not change if there is an independent Scotland. However, I am concerned it could effect the share price.…
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How to get money after Barclay Reg Saver expires?
My Barclay regular saver expires next week, does anyone know how I can access the funds? Other reg savers I have had simply transfer the money to a savings account/my current account but this account is the only one I have with Barclays. Will I be able to go into branch and withdraw the money or get a cheque or will they…
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Tesco Clubcard Plus
Just wondering if Tesco Clubcard Plus was still working ? This was an account launched over 5 years ago and is no longer available to new customers, but some of us still have this account. It offered double points on Tesco's shop. I could never see from the statements that I was getting exactly double, but it was certainly…
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Any one heard of Timothy Sykes?
Hi All, I came across someone called Timothy Sykes, has anyone used his services or heard about him? He has a share picking service. Was just wondering if it is a scam or not. All comments welcomed
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Unicorn UK Income fund’s John McClure dies
http://www.trustnet.com/News/515067/unicorn-uk-income-funds-john-mcclure-dies/?utm_medium=email&utm_source=FE&utm_campaign=4250877_20140609_investor&utm_content=articleunicornlink&dm_i=10MZ,2J3ZX,7AP5E4,981Y2,1 Big blow to the fund. Fortunately I got out late last year after a remarkable run..
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birthday/ Christmas saving for a child.
I have a baby grandaughter, rather than buy her Christmas and birthday presents i'm going to put money into an account for her twice a year for b/day and xmas until she's an adult. Any idea whats the best account to have please? Thank you :)
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Advice on ISA for financial dummy
Hi... hoping to get some advice please? My Dad has some money in an old ISA which isn't earning any interest. He is going to lend this to me to buy a car, and I will pay him back with interest, thus helping us both out. My question is, he wants to then open a new ISA with a slightly better interest rate, for me to make…
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kids savings, now what?
Hi, I've been putting money into 2 children's regular savings accounts with the Halifax @ 6% for the past year. I've had a letter to state that now the year is up, I can either leave the money in the account and it will become a young savers account (3%) or I can transfer the funds into another account and then keep the 6%…
