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Making the most of a 2K lead mp sum
Much to my surprise I have been accepted for a TSB Classic Plus Account (5% interest). So, I plan to circulate my 2K in and out of this account - £500 in and £510 out a month (to account for interest). But my other account pays very little interest. Would it be worth trying to open another high interest current account,…
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Why pay off mortgage?
My business partner made a comment the other day when we were discussing the current low interest rates on mortgages. He said "why would you pay off your mortgage?" It got me thinking. My current mortgage rate is 2.38% on a lifetime base rate tracker. I've got a spare £10k in a cash ISA (money above and beyond a cash…
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Looking to start a self-select S&S ISA and transfer in L&G, can it be done?
Hi, I'm hoping for some advice or comments based on previous experience of doing the same (or similar) as I plan. I've been paying into one S&S ISA (L&G UK Index Tracker) by means of a fixed sum every month, for about the last 15 years. It's now a good sum of money (by my standards). However I feel at risk in terms of…
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Picking a Nominee Sharedealing Account
HI All! I have some shares which are in a nominee share dealing account with Fool Sharedealing. I have had these shares for years and they are worth next to nothing. I don't want to sell them just because for me it's too depressing to realise the losses I've made with them, I'm sure a couple of them will go back up one…
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Mother wants to give me 50k
Not sure where to put this but the situ is that my mother is well offish. Doesn't spend what she has coming in, owns own house etc. Has 25k in her current account that I can't get her to do anything with, and it keeps going up. Anyway, she just inherited 50k from a cousin and has said I can have it for a deposit for a…
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Funds & Dividend Payments
Afternoon, My ever-so simple brain is struggling to get itself around accumulation units... Exactly how do dividends get paid into funds that are accumulation units? I hold some of the Woodford Equity Income fund and ex-div date was 31/12/14 with a payment date of 28/02/15 The number of units I hold hasn't changed, the…
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Please Help: How do I find the number for this company?
I don't know where their direct contact number is - I want to withdraw! Do you think this opportunity is genuine? I put around £1000 of cash into it... Search 'Chartfords' Thank you so much!
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Club Lloyds Monthly saver approaching 12 months
I opened this towards the end of April last year, and moved the payment date to the 1st of the month for the May payment. I have now made 12 monthly payments so was expecting the standing order to be deleted, but it looks like it will make a 13th payment on the 1st April. My reading of the T&Cs is that this is OK. Anybody…
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Investment Trust v Unit Trust Questions
I read repeatedly that good informed investors buy investment trusts and that amateurs buy unit trusts. This is normally justified by the lower charges of investment trusts, the possibility of a widening premium and perhaps their greater flexibility of types of holdings. I have been looking at Troy Trojan/ Personal Assets…
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Pulling money from a locked account
We invested some money into an account that is locked until 2016 The small print says that under no circumstances can we withdraw the money early, except if the account holder passes away We have been thinking that this money is earning less interest that the interest we are paying on our current debts so approached the…
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Loans
Hello I was hoping to study and need £100k over 4-5 years. Does anyone know places that offer loans? Thank you
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C & G Three year bond
Hi, I would like to know from other C & G customers if they have had letters from CG asking them what to do with the three year bonds that expire in April 2015. I have not yet had any correspondence. Thanks
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Just checking this isn't really stupid ...
I'm in the process of inheriting c. £70,000 from my late mother, and the funds have started to arrive - £20,000 so far. We are both over 55. Current financial situation: * DH not currently working but will probably pick up bits of freelance work from time to time. * I earn less than £18,000 pa. * Interest only mortgage of…
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X-O: Important Information - ISA Deadline Dates for the 2014/15 tax year
Saw this on X-O.co.uk homepage:
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where to put money from property?
I am considering selling my property and renting for a year or so instead, and just wondered what would be the best place to put the money for that time? I am looking at having about 90k once it's sold and I have no idea what I will do with it. One day I will invest it back in property again but in the meantime where…
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Help grandchildren and £12k savings
Hi There I have 2 grandchildren who are about to receive a £12k lump sum in death service payout from their late fathers pension provider. Where can I put this amount bearing in mind they also receive a yearly pension from him of approx £2k, I have been advised that I cannot put more that £4k a year into any account for a…
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Woodford Patient Capital Trust IPO
I am a little surprised that nobody has asked yet, so I will: what do people think of it, it is worth a punt in a balanced portfolio? How patient do you reckon you have to be in reality (thinking as an investor in my 60s here) before you can reasonably expect returns? How credible is it that Woodford's experience with…
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Historical fund prices
Does anybody know if it is possible to get fund values for previous days? I'm doing a new bit of analysis on my SIPP and hadn't been capturing data before now and just want to go back a month or so. e.g. Artemis Global Income (Class I - Acc) on the 12th of Feb
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Nsi 65+ bonds
Hi, guys, which is best way to apply for both bonds, phone, or online, or, mail? Has the scrum sorted itself out now, that,s why I delayed till now ? Any advice would be grateful.
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WIFE and 65+ Pensioner Bonds
I am a basic rate tax payer, my wife pays no tax. I no longer have to do a tax return due to my circumstances not having changed etc. If my wife takes out Pensioner bonds how does she claim back tax? Do I have to fill out the "complete" R40 or R85 form to claim back the tax?? and then start doing annual returns again ?…
