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Has anyone used ClubFinance?
please delete, thank you
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HALIFAX - Supposedly 6% children's savings account
Very disappointed with Halifax today. Went there to enquire about their 6% children's savings account for our granddaughter but we were told to be aware that we wouldn't get 6% at the end of the year because it was worked out on a daily basis. They said that, as an example, if we saved £100 per month (which is the maximum…
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Club Lloyds Monthly Saver Advice needed
I currently have a lloyds bank club account which is paying me 4% on my savings. I have £5000 in that account. Recently I spotted a new product they are offering, the Club Lloyds Monthly Saver which pays 4% on savings if you pay in £400 per month. My question is, will that cancel out the 4% interest I am already getting on…
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Saving accounts for a 17 year old?
Hi, I've just start my first part-time job and I'll be paid monthly - which means getting money that I know that I will spend without thinking but I want to save up for a school trip to New York next year in April. I want a saving account which makes it hard for me to take money out but I can still take some out if i need…
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North American Market 'efficient'?
Two messages same day hour from Trustnet: Vanguard US Equity Index fund has achieved a total return of 60.68% over the 3 years to 31/10/2015, and has ceased to be a top quartile performer in the North America sector. HSBC American Index fund has achieved a total return of 61.98% over the 3 years to 31/10/2015, and has…
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Skipton mistake.
I took out a 1 year fixed rate e-bond 2years ago with £60,000.at my local Skipton B.S. Just before maturity I was given my options, one of which was to take the interest (£870) and restart the bond with the capital again. This was the option I took and I was given a cheque for the £870 which I put in my bank. A couple of…
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Savings account for Nephew
I want to open a savings account for my nephew to put some money in for each birthday and Christmas. Ideally I would like it to be an ISA so he can't use the money until he is 18. Looking at ISAs all seem to say you have to be the parent or guardian to open it. I want to have my name as the trustee on the account as my…
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Using current account switching service
Hi, I was going to open a TSB and Clydesdale current account to get the cash back as well as the interest, but it seems I have to use the switching service which appears to transfer all direct debits and close the current account I presently have. Can the switching service be used without transferring DDs or closing the…
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What to do with a lump sum
Hi all, I have 4k that i wanted to invest and didnt know whether to open an ISA, go to someone like wellesley that ive seen advertised or whether there is something better that can be done with the money. I dont need access to it so it can be locked away so i dont know if that makes any difference Any help or advice would…
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Banking and Building Society Security
I saw this on the Rpoints forum:- This is a hot topic at the moment and as you know I like to produce lists. My day job is in cyber security so I gathered together a list of the most insecure financial institutions using the excellent browser plugin from Calomel https://calomel.org/firefox_ssl_validation.html As you can…
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Gibraltar Savings
Gibraltar Debentures appear to offer a low risk and better return for savings than is available from UK banks for pensioners wishing a fixed rate return from their savings: https://www.gibraltar.gov.gi/new/10-year-fixed-senior-citizen’s-debentures As far as I am aware, these are open to UK residents. I have not seen these…
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Applying for multiple current accounts and credit rating
Hi, I want to set up a number of current accounts to take advantage of the loophole MSE talks about for earning cash back and interest. I've identified 5 possibly 6 current accounts but am concerned that if I apply for all of them in a short period of time it may result in me being turned down due to the volume of checks…
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Query on Capital Returns
Hi, I'm looking into investing some money (~£75k) into a portfolio. MY IFA has provided me with an example of a incoem fund and an adventerous portfolio as outlined below: 2015 2014 2013 2012 2011Income Portfolio 4.1 6.9 16.9 13.4 (0.7)FTSE 100 index 4.2 0.7 18.7 10 (2.2) 2015 2014 2013 2012 2011Adventurous Portfolio 7.3…
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TalkTalk Shares
Firstly apologies if I have posted this in the wrong part of the forum if it is can you please move it to the correct place. As a novice investor I have been looking into the possible advantages of TalkTalk shares due to the reduction in price since the hack happened, while there are mixed feelings online about this what…
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HSBC Invest Direct Plus
I have shares in Sun Life Financial Services of Canada which I acquired some years ago as a result of holding a financial product of the companies since the 1970's. Dividends were initially paid into a Merill Lynch cash account and in recent years HSBC's Invest Direct Plus Account. I have recently received a letter from…
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Choosing a SIPP provider
As I only want a simple PP or SIPP, I am in a quandary about choosing a provider. I have asked questions before but thought I should start a new thread. This is in relation to saving for my wife's retirement I want to deposit over the next 5 years cash lump sums to get the tax breaks. Then draw on them when her SP starts.…
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Buying Stocks/Shares UK without fees
I'm looking at buying some shares with some money I've been given recently, but I am new to shares dealing and there are a lot of fees involved. I'm don't mind initial upfront-fees because that is fair enough, every provider for share-buying have to have their admin fees, same goes for any fees to sell them down the line;…
