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Joint shareholding
My OH and his mother have a small joint shareholding in Santander. They would like to split this shareholding in half each into their own names. Can this simply be done by writing a joint letter to the registrars with instructions to split and enclosing the share certificates?
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Vanguard to launch UK D2C platform
Snowman posted the following link to Monevator about a possible plan by Vanguard to launch a D2C platform in the UK (with FNZ): http://www.fundweb.co.uk/news-and-analysis/vanguard-to-launch-uk-d2c-platform/2023823.article
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Best and safest savings?
My stepson is about to turn 18 and is then due to inherit approximately £3000 from his Mother's estate. Unlike his he has Aspergers Syndrome & lacks the mental capacity to choose what he will do with this money. It can be tied up for a good few years at least, so access to it is not an issue. We would just like it to be…
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Santander and Tesco?
Hi All I have about £26k to invest. I have already used my ISA allowance for this year so that isn't an option. I'm thinking of sticking £20k in a Santander 123 account (at 3%), and the remaining £6k in two Tesco bank accounts (at 3%). I'm a non tax payer. Can anyone think of a better plan?! Does the Santander 123 account…
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First time savings 18 year old
Hi My 18 year old has his first paid job. He is living at home still and I would like to encourage him to save something per month whilst his living costs are low. (He's yet to be convinced this is a good idea.) He has a bank account already where his wages are paid. Lloyds I think I suggested a separate account where he…
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Sale of shares advice
Hope I have this in the right forum! Recently sold shares I had from my previous job. Settlement date has passed, and I have sent back my share certificate. Does anyone know how long it takes for the proceeds to go into my bank account? Hope this makes sense! :o Thanks in advance for any advice. B&M
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Clean Funds v Dirty Funds
Please see the excerpt below: " As you may know, Charles Stanley Direct is committed to assisting clients in moving their fund portfolios away from commission-paying ‘bundled’ units into commission-free ‘clean’ units. Conversion to ‘clean’ has the potential to improve the longer-term performance of investments. The Annual…
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present value calculation? of renewables investment
I am a bit unsure which forum area to post this on but I suspect will get best chance of an answer, or more, from the financial gurus. However as it is linked to a renewable energy investment will post a link in the Green Energy section, perhaps later if all becomes clear. But the question you ask! So here goes: Most sales…
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Pensioner investments
My father is a pensioner, his income comes from renting property and he is in the 40% tax bracket. He has no personal pension, he relies on his income from property plus his savings. Can anyone suggest some alternatives to savings accounts, bonds etc. which are paying low rates? He uses his ISA allowance each year and took…
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What to do with approx £50,000 savings?
Hi, I'm 22, and by my 23rd birthday I estimate I will have saved £50,000 (or thereabouts), through a mixture of blood, sweat and tears and not spending anything! What is the best thing to do with this money to make it grow? I'm quite a risk-averse individual, just to point out :)
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Royal Mint £20 Coin: An Investment or just a keepsake?
I recently purchased the Royal Mint silver £20 coin which was brought out to commemorate the Queen being the longest serving monarch. It cost £20 to buy. Do you think there is any chance that this will actually increase in value over time or is it just a mere trinket of the queen's reign? Only 150,000 of them have been…
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Direct debits
Hi guys :) Just after some help with my savings accounts. Question is i am short on direct debits as a couple have finished, i have my santander maxed at £20000 but i now need 2 direct debits is there a way i can donate a small amount to a charity each month to act as a direct debit? Your help will be much appreciated Many…
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Most Frightening Words
Ronald Reagan said the most frightening words in the English Language are; 'I'm from the Government and I am here to help' :eek: According to Shelter Osborne's 'Help to Buy' has increased the average house price by over £8k So what words scare you the most?
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am I making sense with the investments
A disclaimer - I am not sure I know what I am doing. About 3 years ago I started drip feeding ISA at fidelity via cavendish £250 a month split into 5 funds - hsbs american tracker , hsbc pacific tracker , hsbc japan tracker , hsbc ftse all share tracker and aberdeen emerging market one . In ftse , pacific and japan I have…
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Old share account advice?
I bought a bunch of shares in Future Publishing (when I worked for them) way back and have had them stored in a site called Moneyextra.com, I hung on too long and they lost 80% of the value as publishing nose dived. Now the site is closing and want to move to a site called The Share centre, these guy s will charge me a…
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Structured Product - Execution Only - Investec or Mariana Capital
I'm looking at taking out a structured product. Either the Investec Enhanced FTSE 100 Kick Out Plan or the Mariana Capital 10:10 Twin Option Kick Out plan. I believe neither can be applied for directly and the application needs to be submitted via a financial advisor. Is anyone aware of the cheapest way of doing this ? - A…
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Please help re investing assets from probate
Hi My father passed away a couple of weeks ago. Everything has been left to my mother. His sole assets need to go to probate, as he had £125000 in a stocks and shares and also other cash ISAs, 17000 in bonds and 5000 in premium bonds. My mum will get half of his work pension which only works out to £460 per month, so she…
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Vw shares
Am a teeny tiny micro investor... And not very good at it. Should I improve my fortunes by buying some shares in vw? Or would that just be daft!
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What are the downsides to short term investments
Hi, I know the golden rule. If you're not prepared to lock your money away for 5-10+ years then you shouldn't invest. But what are the reasons for this? Obviously there's the reason that markets can fall in the short term and there's more chance of getting back less than you put in if you take it out soon. But is that it?…
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Life question
First I would like to point out 2 things. My English is quite broken, so please keep that in mind. The second thing...this will be quite a long post so please read through if you would like to contribute and give some tips. First I will tell a little bit about myself, later I will ask for suggestions. I am 23 years old,…
