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Disney Shares Dividend Cheque Problems
Hello, My son had two Disney shares bought for him as a Christening present many years ago. We now receives a few dividend cheques a year which are made out in US Dollars. Each cheque is usually around $1-$2 each time. The trouble I have is that all UK banks charge fees for cashing these cheques making it not worthwhile to…
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Fund Exchange Rate Risk/Reward
Hi, Wondered if anyone else had any thoughts on this... I've been paying into various funds such as VLS mostly for around 10 years now & a large chunk of those holdings are in US stocks. Over that time we've benefited greatly from greater US stock market performance vs UK & also recently a strengthening dollar. As I'm…
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240 K Investment problem
Hi All Can anyone help me with this headache! I have power of attorney over my mother. My mother has returned from living abroad and is now in a care home. She has 240k invested in a Lloyds high income fund. (In Jersey) This earns around 4.7% (after 20% tax). I have been looking at bringing it back to the UK but can't…
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Regular Savings
Hi everybody, I am about to take the plunge and open my 6% regular saver with First Direct. However i have a question, and i thought this would be the best place (To late to call) Once my saver is up in 12 months time, can i open another 6% saver (Provided the offer is still there) Or would i have to find a different…
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Best savings strategy
Hi all I have a CCJ that is now a couple of years old caused by my failing to pay an outstanding student loan. I ended up dragging my heals with it as I shouldn't of had to pay it in the first place but then got slapped with the CCJ But anyway im looking forward now and I have about 4 years till the CCJ comes off and my…
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BOC shares
My mum had some old BOC share certificates. BOC were taken over by Linde in 2006. What will have happened to the shares? Will she have been paid out, or will they now be in a different company name?
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What is the best account to save lump sum for a child?
I have an 8 year old granddaughter who was involved in a car accident three years ago, the car insurers appointed a solicitor to deal with the personal injury claim. As she is a minor she needed a litigation friend which was me. I have received a cheque for £3,300 yesterday which is the full and final settlement for the…
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Is there an exagerated impact of Tracker funds on Stock Market movements?
I have begun my plan to research investments as well as savings this year. Oh my! I am reading the finance pages, a couple of books and following a few threads on here and my goodness, there are differing views represented. My guiding principles have always been at the less adventurous-more cautious end of the spectrum -…
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Savings Accounts that will not let you withdraw
Hi all, I have been trying to research that availability of savings account which will not let you withdraw your money, or at least make you jump through loops to do so. The reason being, I am terrible at saving and have found in the past with various savings accounts it is too easy for me to log on to internet banking and…
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Maximising return
Hi I am 35, earn 100k basic + c. 25k bonus (gross pa) Partner earns 55k but is just on maternity leave after our 1st child, so income is just north of 6k PCM net at the moment with her maternity pay, normally it is around the 9k-9.5k mark My work pay 500 GBP PCM into my pension, I make no contributions Have about 35k cash…
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Re-ISAing Investment Funds
Could do with some advice from the experienced on here... I inherited three investment funds from my mother's estate (all RBS), which are currently valued at around £55,000 all together. My mum held these funds in an ISA wrapper, which unwrapped itself when she died. I'd ideally like to re-wrap these funds over the next…
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Standing orders to fund current accounts?
I am switching my Santander Sole 123 account to First direct to get the £150 switching bonus but we are still keeping our joint Santander 123 as OH is a bit stuck in his ways and does not want to switch banks ;) I already have a TSB Classic Plus and Nationwide flex direct plus the two regular savers so at the moment I do…
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How to sell funds
How to sell funds. I have money invested in VLS 60 via Charles Stanley, this investment is within an ISA wrapper and would like to know the procedure to follow if I wish to sell part or all this investment but keep it within the ISA wrapper as cash, (that last bit is important) I am aware most would say now is a bad time…
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Anyone any experience of Lending Works?
Hi, I am looking at Ratesetter and Lending Works as p2p lenders. Ratesetter seems the more established, however Lending Works has the lending shield? Does any one have any experience/comparisons?
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Help To Buy ISA and Stocks/Shares ISA in same tax year?
Official MSE Insert: We've a fully researched Help to buy ISA guide you may find helpful. Back to the original post... Q1) Is it possible to have a Help To Buy ISA and Stocks/Shares ISA in same tax year? Q2) Does the £15240 annual ISA allowance apply or not? I have a fully subscribed (ie £15240) 2015-2016 tax year Stocks &…
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Trust fund question
Hello all, First time postng here, any help would be much appreciated. Also I hope i am posting in the correct section! Ok, so here is my question/situation.... My wife's nana died and left a trust fund to her four grandchildren (my wife is one) and her two children. The trust fund was split into 10 segments, the…
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Further Advice for a Newbie
Hi all Just some further advice required. I was going to close my Nationwide account down, as the 5% finishes next month. I was thinking about opening a First Direct account, to earn £125 cashback, but like my "real" current account - it earns £5 interest every month, and is local to me. Can I use the nationwide as my…
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Where to put £23.5k savings? I'm getting so confused
Please help, the more I read the more I confuse myself! :huh: My husband and I have £23,500 in a HSBC savings account that pays about £8 interest into the account a month. We want to put this somewhere where it pays more interest. I will be spending £10,000 of this money in the summer. The remaining £13,500 will not be…
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swiss re shares
not sure if this is the right section, not been here before I have some swiss re shares, if i was to sell they would be sold in swiss francs, what is the best way to get them transferred in to my bank account without losing too much when it is exchanged in to £££
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House sale
Having just sold my house and now renting until I find another what are the best ways to keep my money. I know I have 6 months before I need to move but will I have to open several accounts. Need it accessible
