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Savings loophole
Hello everybody, I am in need of some advice with regards to the savings loophole where you can transfer money between non internal accounts to meet the minimum needed to be paid in every month. My question is this... Can you achieve this by simply doing a manual bank transfer once a month and then on the same day moving…
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If Nationwide reduced the rate for the Flexclusive Saver...
If Nationwide reduced the rate for the Flexclusive Saver...
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is this normal savings behaviour
so every 4 weeks I get paid, every 4 weeks I put money away into my tsb & Lloyds monthly saver , great ive saved something. But then what happens is I tell me self I have the rest to spilt between spending on entertainment , new household items ect , but I then try and not do this and try to spend as little as I can so…
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Betfair / Paddy Power plc aquisition, effect for shareholders
Hi can anybody explain to me in simple terms what the immediate effect will be on Betfair shareholders, ie Betfair shares have climbed quite well for some time now and so I have enjoyed some good gains but will this aquisition change that for me? I have tried to decipher the info sent to me but unfortunately some I don't…
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Tax on SIP shares during company takeover
Looking for some advice on the treatment of cash gained from shares during a company takeover. I have money invested in a company SIP and I will be due roughly £6000 from the cash element of my shares being bought during a company takeover. All the official documentation states that this will not be subject to income tax,…
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£50 Britannia Coin
Hi I have a £50 Britannia Coin which has been specially commissioned by the Royal Mint with only 100000 being made. How much would I get if I sold it and should I hold onto it in the future as an investment?
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selling shares advice sought
I have looked all over the forum and cannot seem to find any specific board dealing with shares . Please excuse if this is posted in an inappropriate place. I am seeking advice on behalf of my elderly Father who wishes to sell his shares all of which were purchased 15+ years ago I have read all the guides and none of them…
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Error on MSE Shares ISA advice page
I'm looking to start investing soon and have noticed an contradiction on MSE's Shares ISA page. MSE states that tax on dividends is payed at 10%, regardless of what rate of income tax you pay, whether the money is on an ISA or not. The government's own website contradicts this stating that basic rate tax payers pay an…
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Help to buy ISA & Right to buy
Hello, Can someone please tell me, can I use the Government Help to Buy ISA to buy my house under the Right to Buy scheme? Thank you so much,
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Royal Mail - Good time to sell shares?
Do you reckon its a good time to sell Royal Mail. I always like Royal Mail as its such a good egalitarian service but maybe its a good time to let go and move on?
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Bank of Cyprus UK
I am looking to invest in Fixed term Bonds in the Bank of Cyprus UK. I know it is backed by the FSCS should the bank fail. I have seen that the Cypriot government can not tax savings if UK savers. but this was dated 2013. Are UK savers, safe investing in this bank.
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Should I sell my Rolex to pay off last of debt?
Sorry if this is the wrong part of the forum for this. I was given a gold Rolex watch by my dad around 9 years ago. I have never had the lifestyle to go with it (I work in NHS, £139k mortgage,£8k car loan, £2225 in credit cards left after frugal times and selling off small assets. Similar watches are selling for £8k but I…
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Best Savings Account to filter into Help-to-Buy
Hi all, I have opened a Help-to-Buy ISA which requires a standing order each month. Unfortunately my previous ISA won't allow this so I'm looking for a high savings account that will allow me to put in my lump sum and set the standing order from there. I'm getting quite confused with everything since I'm a full-time…
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Confused!
Hi All I never knew there was so much you could do with bank accounts!! I've just had a browse on this forum and its got the mind ticking but I don't know where to start with my finances. Basically, I am due to complete on a sale and purchase of a house next week. I will be taking out £30k of equity from my house to…
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Typical FTSE all shares funds values
Hi, I'm writing a small article where I'm running simulations based on the FTSE all shares price when exposed through a tracker fund. I found FTSE all shares daily values relatively easily but I'm struggling to find some other values that I want to consider as well. Do you know where can I find historical dividends for a…
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How long, roughly, for funds to clear?
I sold some shares on Friday lunchtime through TD Direct Investing. The cash is still showing as 'pending'. Anyone know, roughly, how long it ought to take to clear? It's the first time I've sold shares and I can't find the answer on the website. Tia.
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BOS Current Accounts
I think I've read this already but can somebody doing the same thing please confirm that if I have set up 3 BOS current accounts that I can have Standing Orders from BOS1 to BOS2 from BOS2 to BOS3 and from BOS3 to BOS1 all on the same day without having to use any external accounts? If that is not true then can I have an…
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Nationwide e-savings plus
I have had a Nationwide e-Savings Plus account for a few years. I paid in a large sum of money in around October 2014 (around £80k) expecting to buy a small flat cash. This never happened until October 2015 when I bought the flat withdrawing all the money. Now I know people will say I've been careless about interest rates…
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Making savings/money work harder?
I currently rent a property with my partner for £650 per month. I have around £10k in savings (in a Santander 123 account) and we are able to save around £750/month. Neither of us have debts (excluding student debt taken from salary). I have no idea how to be smarter with my money. I am sure there must be a way to make it…
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Making some extra money for my boys
Hi, My 2 teenage boys have £6000 each in savings with Natwest, which earns them about £20 interest every 3 months. I would like to make them a bit of extra money by opening accounts via Top cashback or Quidco. Can anyone give advice on which kind of savings/ companies to go with, I am prepared to put some effort in if it…
