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Equfund
Has anyone invested in the Reap scheme with Equfund. It is tempting as the return is 7% & the money goes towards housing at affordable rents. However I am nervous as they aren't covered by the FSA, but your money is supposedly used to buy proper (75% of value) and there will be a charge at Land registry.
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P2P: sensible allocation?
Hi there, I am just taking my first baby steps into the world of P2P lending. I have invested £100 with each of Assetz Capital and Saving Stream, and £50 with Money Thing, just to see how it works, really. I am aiming to gradually increase and diversify my P2P investments, and reinvest when I receive payments. I was…
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Halifax Shares Help (From Building Society to Bank Move)
Desperate for some help here . . . I am the treasurer of a Sunday football team who years ago had Halifax accounts and when they went from Building Society to Bank we got some shares which totaled about £2000 at the time. Several treasurer have been and passed and we no longer have the Halifax accounts OR any documentation…
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Fully paid shares vs partly paid & unpaid
There's a few things I'm not sure about with regards to buying/owning/selling shares: 1) If I buy shares (e.g. in small cap companies, probably via online broker/platform), how do I know whether the shares are "fully paid" or not? Obviously I'd want to know before I decide whether or not to buy the shares. 2) How do I know…
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Post office internet saving account avoid!!!!
The post office internet saving account is the worst product to choose if you want to access your savings in less then a year!! They will try every trick in the book to stop you from accessing your money. We have been trying to transfer money , approx £12000, for the last 2 months. You call and they change their criteria,…
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£5,000 to invest for an 11 year old child
Hi all, I have just come from a court case where my daughter was awarded £5,000 for clinical negligence. I now have 2 weeks to set up an investment account and provide the details to the court so the defendants can pay the money in and i wondered if some of you lovely people might help me make the best decision for my…
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"Slush fund" savings account
OK, so I have a feeling I am not really doing this right. I currently have a HSBC Advance account for daily doings - salary in, bills out, daily subsistence etc. Right now there is more going in than coming out so I cream some off and place it in a cahoot savings account. I do this because, well, it feels like I should…
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I just want a return above inflation, best option?
I am looking for a return above CPI inflation (easy at the moment because CPI is 0%), but it will go up. I don't pay any tax and have around £500k Are index linked gilts the best option? Looking for high safety, low risk, so low return obviously
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Saving for mortgage
Hi, my wife and I are now saving for a deposit to buy our own home after tying the knot 7 weeks ago. We currently have around £5000 in my Lloyds ISA, but it only pays 0.25% so want to make better use of it in a better ISA or savings account. We are looking to save around £500 each a month so we will have£15000 minimum for…
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Want 5 savings pots - advice?
Hi! I would like 5 savings pots and setup regular payments from my joint: 1. Holidays 2. Car 3. DIY 4. 3 months salary - planning on starting my own business 5. Emergency Fund Anything else, goes to paying off my debts - debt free diary deals with this strategy. My current joint account is with Nationwide. I just really…
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Capstone Investments
Capstone Investments / Belgrave Atlanta / Belgrave Group The above companies are linked as they have been operated by the same people. Michael David O'Brien was a director of The Belgrave Group from 28/4/2009 to July 2013 and is the current director of Capstone Investments. The Belgrave group started out selling USA…
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Simple term needs clarifying. One word answer required.
Hi, this will probably be an easy one for somebody in the know. I'm looking at buying a business and came across the statement 'Advised turnover c£2,000 per week with potential for further increase' I need to know what the 'c' refers to in from of the figure as this features a few more times in the ad. Thanks for your…
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NSII Inflation linked bond
Do they plan to re-open this?
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Transferring Cash ISA to S&S ISA?
Just trying to plan ahead, with regards cash ISA's due to mature. How easy is it to transfer Cash to S&S, so as to not lose the ISA status, and which providers have you found to make this the easiest process? (obviously would need to take fund performance into account, primarily) How long does the process usually take, and…
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Investment Charges & Switch Fees
Hi I'm new to investing having inherited money from my parents. I decided to use the financial advisor my father used for almost 20 years and am in the process of setting this up. I had given them to go ahead to do an investment review and the fees agreed were 0.75% Annual Advisor Fee 1.00% Agreed Initial Charge (research…
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Stocks & Shares ISA Provider comparison
Hi MSE's, I currently have a S&S ISA with HL, currently with a total value of about £45k. I am looking to transfer it to another provider, in search of lower fees! Its important to note that transferring my ISA as its current holdings, will cost me £250 (HL transfer out fees). AJ Bell You Invest will refund these costs,…
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Personal Injury Trust account
Hi, I was just rewarded a sum of money from an accident claim, and was advised to open a Personal Injury Trust account to protect my future right to state benefits. I don't seem to be able to find any information regarding if any company providing such account is better than other, or whether the account regulations make…
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Taking savings abroad
Apologies if posting in the incorrect thread. I am trying to find out if I can and how best to to move my savings to Australia as I will be moving there in September. I am wondering if it's best to do it in 'instalments' or one move? Any advice gratefully received!! Thanks, R
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Tax return query re cash back and fees
Hi,does anyone know if you declare cash back and bonuses from current accounts,also do you deduct account fees from your interest calculation.Thanks in anticipation!
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Gower & Mae
They have offered me investment in Student Housing, Retirement and Residential Care Property as well as a Scottish Castle! Has anyone heard of them, or any experience of them? Have done Internet search on them. Thank you.
