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Short term investment
Touch wood I'm hopefully going to be in the position of having sold my house before I have to buy another one in the next couple of weeks. I guess the gap between buying and selling could be any time, but my guess would be 6 months but certainly less than a year. I'm wondering where the best place would be to put the money…
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Joint account - one taxpayer/ one none
We are not married but my partner and I have a joint current account (Santander 123); I don't pay tax, my partner pays 40%; can you advise re paying tax on this a/c please?
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Savings for my granddaughter
I have been saving £20 a month since my granddaughter was born and now have £1000 sitting in a savings account in my name earning 0.1% interest. I need to find somewhere to put this money to get a better return. She already has a jisa which another family member opened so that is not an option. I remember my grandparents…
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Money in Trust for daughters - where to put it
hi, this is my first post :) My daughters age 16 and 18 have been left £10,000 each, this is to be in trust for them until they reach the age of 23. whilst they are not children, i need to put this somewhere safe and hopefully earn a little bit of interest for them until then. my solicitor has advised national savings…
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Transferring shares (exercised options) from a corporate nominee account
Hi, I'm wondering if anyone could help with the following. I was given some share options by the company I work for. I then exercised some of those options and they are currently held by my company in a corporate nominee account. But I have no visibility of the shares, the company say they aren't able to provide anything…
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AUD/GBP exchange before or after election
About to transfer a fair bit of money from aus, what are general thoughts on when to transfer for best return? before or after election. WN
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5k to invest, where do I invest
Hi, I have £5k to invest, I've been researching different options etc but just wondered if you guys had any sound advice for me. I have a decent job paying the bills a pension and no debts. I would like this money to work for me in the short term while I save towards a deposit for a second house. What are my best options?…
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Transferring Stocks & Shares ISA
Hi, First post. One of my largest savings, about £30k, is a Standard Life Stocks & Shares ISA (Equity Income Trust). They are about to switch this to another company called Alliance Trust Savings. I'm put off by the annual £75 charges, and the fact that I have no Alliance performance history to assess. At this page Hmm - I…
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Locked of out Fidelity account
Problem has been solved. Sorry nevermind delete this thread please.
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PermanentTSB - Irish BANK
Hello It is tired and it is late, but was hoping for some info. Before the crash I took a punt on an Irish bank. It did not recover and it ended up in my shares portfolio as PermanentTSB??? I have noticed that in the last 6 months, the share is recovering and is now worth something. However, I have received a letter of my…
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Saving for the future!
So hey guys, new person here and all that (though I've been lurking here a while). I thought I'd make a thread to me on track in the savings department. I'm a student only a few weeks away from finishing my degree, though I've known for at least a year that there is no way I'll be using this degree, therefore I am saving…
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isa transfers
I got isas in mine and my wifes name,all with nationwide but as its not my main bank account i dont get the best deals so should really switch to them,at the moment one is paying 1.25% the other 1.50% the latter matures at the end of september.If i transfer for the time being to the slightly higher one that wont effect any…
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buying an ounce of gold
Evening team Its my 40th coming up and I want to buy an ounce of physical gold. What's the most sensible and cost effective way of doing so? Bullionbypost have lots of options all at different prices?! Why? Surely an ounce of gold is just that, no? I appreciate there are better things to do with my money but I want an…
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Peer to Peer Lending- some advise please?
Hi Guys, Just read about P2P lending and trying to gauge if this is something suitable for me. lets say i wanted to lend £50 per month is this possible? want sort of return would you get on this sort of money? also when do you get repaid the interest earned, on a monthly basis or after the end of the term so say 1,3,5…
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Just a word of warning....
A relatives mum died, she left a will, she had an ISA worth £25,000, youd expect the will (leaving everything to her husband) would include the ISA... It didnt according to her bank The widowed husband had to engage a solicitor to confirm probate 15 hours work at £200/hour duly invoiced robbing the dead?....well.....id say…
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Wellesley experiences
Has anyone gone for peer to peer lending through Wellesley and tried it for long enough to be able to recommend it or give their opinion? Also their interest rate calculator calculates the simple interest rather than compound interest. Why is that? Thanks
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Buying NYSE shares through an online broker
Hello Will I incur any additional charges if I bought NYSE shares through an online broker like Hargreave Lansdown? Sorry if that's a daft question. Thanks
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Managed fund service
Hope someone can help my wife with this problem. I am certainly out of my depth. Grateful for any enlightenment. Her IFA has recommended she put £60,000 into a managed fund service with an ongoing charge of 1.86% for 25 years - 0.62% ongoing fund charge, 0.5% adviser remuneration, 0.38% platform charge and 036% portfolio…
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Can I top up?
I have yet to open my new Cash ISA. Skipton are offering a fixed rate bond which can be started with £500 and topped up to the full allowance providing the bond had not closed. My question is, if I had £5000 of my allowance left but the bond had closed can I open a new Bond with the same provider for the £5000, or have I…
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Poa, cgt & iht
Sorry for the alphabet soup thread title! I have Power of Attorney for an elderly relative. POA includes provisions to make IHT decisions and I will be both executor and one of the beneficiaries on death, which is statistically likely to be less than 7 years away. Elderly relative pays tax at 40% rate, has pensions that…
