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Club Lloyds account
Does anyone know when interest starts being paid? Is it from account opening or once one has deposited £1500 and paid 2 direct debits from the account? Switched mine to club Lloyds yesterday and need to decide when to transfer the 5k to it.
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Nationwide login?
Anyone else getting "we appear to have technical problems" trying to get into Nationwide to withdraw money?
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personal financial adviser
hey everybody, i hope your all doing well. im skint at the moment but will (crosses fingers) be coming into a very large sum of money next year, and was looking how best to look after it or invest it. ISAs any good? £15,000 limit? buy gold?how do you get an accountant? a reputable one lol Any advise would be greatly…
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BM Savings - why payments in via Linked Acct, not direct payment?
I've just opened a BM Savings Account (took a month to sort out, but that's another story, ho hum...) Now I have all the details I've discovered that ALL the payments in seem to need to go via the 'Linked Account' and will take 3 days to show. HOWEVER they have sent me the details of the account - sort code/ acct number…
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First time investing
Starting to get older and thinking about investing/saving some money, i've never really done much with this side of money before so am starting from scratch. In everyones opinions, if I am looking to invest £50-£100pm, what would be the best option for maximum return? Looking long term, not after a quick cash out, not too…
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Need advice on Ratesetter 5 year investment please
Hi folks, I'd really appreciate it if someone who uses Ratesetter or possibly other Peer to Peer schemes out there can enlighten me. I am thinking about putting £6000 into Ratesetter and lending it out on a five year basis at 5.9 %. However, if I understand correctly (and I do find this rather confusing), it seems that…
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Company shares?
My husband is about to be given £1,000.00 worth of shares when the company he works for floats. He is allowed to sell these straight away but we would like to know does he have to pay any sort of tax when he sells them, he's a higher rate tax payer. Thank you. Susan
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MSE News: Church of England proposes school savings clubs
Children as young as four are encouraged to join savings clubs as part of a bid to prevent them relying on payday loans... Read the full story: Church of England proposes school savings clubs Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
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Paragon Bank 2.5%
Three year fixed rate, £1000 min balance, receive interest monthly or annually http://www.paragonbank.co.uk/savings/three-year-fixed-rate
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Advice, overpayment vs debt repayment vs ISA
Hi All and thankyou in advance, Looking for some advice, I am currently paying back a family member £500 a month, on a debt of about £35k. I am not paying any interest on this and won't be for the next year. I wondered if shifting this money (which wouldn't be a problem) from paying this back to either overpay on my…
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cheap Index Trackers, where to find?
Hi All, I am trying to find the cheapest index tracker fund for the FTSE all share with a low tracking error. Also I want to purchase it through a stocks and share ISA. I am trying to avoid costs and charges as much as possible. I am looking to make a regular contribution on a monthly basis over a long term to the fund. Is…
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Savings Accounts
Recently I spotted an article on MSE which made mention of a company who sourced various savings accounts for you and advised when to move you money into them. Apparently they also provided you with access via the internet so you could monitor these accounts, all for an annual fee, which, I think was 2% of the whole…
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Where to save/invest?
I'm a young adult who has managed to save an extra ~£10,000 over the years and looking to invest or save somewhere that's not an ISA (already hit my limits). This is money, which I won't need for few years potentially. Looking for safe investments/stocks ideally if going that route. I don't mind having ago at things such…
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MSE News: Old Barclays savings accounts to be transferred to Everyday Saver
About 2.6 million customers will get a rate boost as a result of the move, but nearly half a million will be worse off... Read the full story: Old Barclays savings accounts to be transferred to Everyday Saver Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works,…
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House sold - where to put the money?
Hi I am hoping this is the right forum to put this, I initially put it on House Buying and Selling but was advised to move to this forum. My husband and I rent in Scotland, and have just accepted an offer on our house in England. We are in the middle of personal nightmares at the moment (he just lost his job, I have a…
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Bank offering linked accounts
I'm currently banking with Intelligent Finance but their rates are appalling and even they are recommending that I find a new bank! The reason that I've stayed with them is because they offer the ability to manage all of my accounts within what they call a "plan". The setup I've got is a plan containing a current account…
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Cavendish online charges information
Just wanted to point out that the information on the stocks & shares ISA page on MSElooks as if it needs updating: When you read the T&C document before investing in ISA or OEIC, it states there is a £45 annual management fee :eek:, in addition to the 0.25% annual platform fee. Or did I misunderstand something?
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Please critique this passive portfolio
Hello We are are investing in order to pay off our I/O mortgage in 2026. Have already been tracking the FTSE All Share for many years and we have a decent chunk in there. But in order to diversify we have stopped adding any extra there and started to invest £1000pm into these, having read Monevator etc. Any thoughts about…
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Direct Debits for Santander 123
Hi All I have signed up for this account now but I do not fancy actually putting my actual bills on there using DD. I read some bits about people using some workarounds with cheap DDs that pay out from santander into another account they own. Would that be better as they told me in the bank i get cashback on bills through…
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Some guidance on where to begin saving (martins guides confused me)
HI All When I say confused me, what I mean is that there are different articles so im not sure which one to follow. I signed up for a santander 123 account thinking that was the best interest but I started then reading about other accounts offering 7%. I have a lump sum basically i'm expecting from a share sale and I want…
