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Advice on bank account for Pensioner Please .
Hi , Can anyone please help me with some advice on a savings account for my Mother r . She is a pensioner who owns her own home with over £40000 in savings sitting in a standard lloyds account earning around .5% interest . I have been searching online for the last 2 week to find the best interest rates but getting nowhere…
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a bit of a fantasy - what would you do if you had a £100000 windfall?
After reading the other thread I remembered how I am fantasising every now and again about getting a hundred thousands unexpectedly. What would you do with that money if you had am unplanned windfall ? Soory missed 0 from my title , corrected If you haven’t already, join the forum to reply! [threadbanner]box[/threadbanner]
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£800 a month for 5 years
I am looking to put £800 a month away for 5 years to pay off a mortgage. I am after a savings scheme/ISA (or whatever the technical term is). I appreciate these may have to change through the 5 year period but I am looking for a starting point. My first deposit will be £800 and 59 more payments of £800. Thanks in advance…
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Accumulation funds confusion
Despite reading several articles explaining how acc funds work, I have never really satisfactorily been able to understand how they are performing year on year. I still believe that the principle of 'compound interest' is best for my circumstances but do wish I could see how it all fits together(in an ISA , so no…
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Transfer Bonus
I currently have the following accounts: 1) HSBC account earning 5% interest on balances up to 1K (I have a £1K balance) 2) TSB account earning 5% interest on balances up to £2K (I have a £2K balance) 3) Santander account earning 3% on balances up to £20K (I have a £3.5K balance) I have a Nationwide current account, which…
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fund charges, are they too much ?
I have a savings fund with old mutual wealth, and they have a flat annual fee of £72, now the funds have been performing ok, but whilst doing a review i tried to cross reference other fund charges and to say its not clear is an understatement. Am I paying too much, what are your annual saving fund charges ? All help and…
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Loan Advice
Hey, I am looking to get a loan over the duration of 6 months for around £24000. My credit history is quite good. I'm just here to ask whether I would be better off to go to the bank and try and get the loan. Or would I be better to go to an alternative provider? Kind Regards, Joe
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Best for building a deposit?
Hi all, My partner and I are almost in a position now to start saving for a house deposit - I'm finally within reach of paying off my credit card, which will mean I have no debts and can start to put money aside. We're both going to get the Help to Buy ISA when they launch - but you can only save £200 per month in that,…
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£25k house deposit - which savings should I withdraw from?
I'm just about to take out £25k out of my savings to put towards a deposit for a house with my partner. Currently, my savings (totalling around £60k) are spread among several different interest-paying current accounts, regular savers, a savings account and a cash ISA and I'm trying to figure out where I should take my…
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Santander 123: number of accounts
Hi My wife and I have Santander 123 current accounts. Can we add a third joint account please? The wording seemed slightly ambiguous on whether a couple could have two single accounts and a joint account OR one of them having a single account and both sharing a joint account? TIA Vigman
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Should I continue to save for kids?
Hi, I've been looking at my finances and think my children have ALOT from me (money wise), so I'm not sure whether to carry on saving for them. In reality - I can afford to put money away for them. DD1 gets £159 which is made up of savings into her bank and various activities she does (horse riding, brownies, swimming) as…
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Time to dump gold and buy oil?
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been given 100K
So I had a phone call out of the blue and was told I have been given £100,000, Its not fully sunk in. I have been saving for years and me and my partner have £40,000 in an ISA's. We are currently renting and wanting to buy a house, of course this means we can look at more expensive houses but I don't wish for it all to be…
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Cavendish online/Funds Network ISA
Hi I have recently opened an ISA via Cavendish online which appears to be provided by Funds Network (Fideltiy). I was hoping to pick the brains of any existing users of Cavendish’s ISA fund platform. I have been accessing my account directly via the Fidelity funds network web site. Should I access it through the link on…
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shawbrook fixed bonds
Hi Guys, anyone got Shawbrook bonds.? I'm looking at the 18 month or 2 year fixed. Missed the Metro 18 month. Is Shawbrook like Metro, having to open a deposit A/c to fund the bond, or, is it like Close Bros, just directly into bond, via electronic, or cheque.?
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Best sharedealing account with no monthly fee?
Hi folks, I have an invest direct account with HSBC and I had a letter telling me they are now going to charge me £10.50 per quarter for the privilege of having this account. Im pretty annoyed that they have given me just 6 weeks notice of this (they say that stocks are a 2-5 year investment so it may not be that I can…
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Best place to save £700 per month house deposit.
I'll soon be saving for a house deposit, but am unsure of the best place to save it. I'm thinking of putting £200 in the governemnts help to buy ISA, however I'm not sure where to put the rest. I was considering Santander 123 account or a Halifax regular saver, is there any other accounts that I am missing? Any thoughts?…
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Airport Parking Investment
I've invested in airport parking for a number of reasons I've decided against going ahead with it even though I've handed over the money and signed the contract with the exception of supplying proof of address which the airport parking company need to complete the deal and send me the deeds. They have said it's too late to…
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Inherited pension and its tax free status
If a person has inherited a pension from someone under 75 (and hence withdrawals can be made free of income tax), is it a simple matter to transfer the funds in drawdown to another pension provider without losing the tax free status?
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A Legal question
Supposing there was a thread that has been going on and on for months here with regular forumites giving fairly considered views about an investment opportunity. Purely out of interest, what's the legal situation re any less than complimentary views posted therein? Particularly if the poster had just been contacted by MSE…
