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what to do with a few grand?
I have four or five thousand I would like to put by, what is the best thing to do with it? ISA or similar?
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Tools to review finances
I haven't reviewed my finances for donkeys and am trying to do this as quickly and as easily as possible. I was therefore looking for some sort of cheap/free online tool that I could enter details of my investments into and it would give me an overview of which sectors the investments are invested in and other useful info…
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Bank of Scotland - Help to Buy ISA
Hi folks Just a quick enquiry for anybody who has opened a HTB ISA with BOS - I won't be able to get to a branch today with my query but will pop in tomorrow to double check with them. As you know the HTB ISA has an initial deposit limit of £1000 however you can place your "first month" maximum deposit of up to £200 in…
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What to do with Sons money?
My uncle gave my son a lovely gift of £1000 to go towards his education (or whatever else he decides to do after school!) but I have no idea what to do with it! Don't fancy an ISA and letting him loose with a load of cash when 18 and God knows what he'll be like then, his uncle was majorly off the rails at that age! So…
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Ikano Bank
Afternoon all, Just wondering if anyone has any experience of the Swedish Bank Ikano. Am considering a 12 month fixed rate bond at 1.60%. Thanks.
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Old Shares Certificate
My wife has found an old shares certificate while moving things out of her parents loft. The shares were for a company called Ocean Group PLC. The certificate states the share registrar is Lloyds TSB, but when I rang them they said that company wasn't on their database and I would need to ring companies house to find out…
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Cash ISA query
Is it worth having a Cash ISA anymore in view of the fact that the lowering of the interest rate will be just an excuse for financial institutions to lower even the very low rates already offered. I have about 5k in a Cash Isa and I think I'll transfer it to a instant access account as I won't pay tax on the interest :o…
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Please recommend my next financial move
Dear all, I have been reading many articles in MSE, and i really learned a lot, especially switched my account to Santander 123! But i am now uncertain on my next move, and hope the guru here could point me some tips and recommendation. my current situation: bought a small house last year (£130k, 80% mortgage still, 3.2%…
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Investors Chronicle - 12 weeks for £12.
For anyone interested in a subscription to Investors Chronicle there was a good offer on a leaflet in this week's magazine. "Enjoy 12 weeks of print + digital access to Investors Chronicle for only £12." The leaflet requires you to either visit www.investorschronicle.co.uk/C1607A or to phone 0333 222 0927 quoting "C1607A".…
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Fixed Rate Savings Accounts - Rates likely to reduce
I'm expecting the current fixed rate savings accounts to either have their rates cut for new customers or withdrawn. In light of this I think it is probably the best time for me to take out a new fixed rate savings account - haven't yet decided whether to go for 1, 2 or 3 year yet. The best rates seem to be 1.5% for 1 year…
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MoneyFarm or funny farm?
MoneyFarm, Italy-based FinTech company, Robo investing.Get £20k managed free with MoneyFarm. I just wondered if anyone has had any dealings with this company and what your views are?
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investing faff-please help
Hello, I have a joint mortgage with my partner but he put down the 45k deposit. I put down nothing. I own a terrace house outright which is currently sitting empty and is worth around 110k. I want to release 45k equity to equal my partner's deposit on the house and bring the mortgage payment down from 1k a month to £600. I…
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Best savings method for a 16 year-old?
Hi there, I run an online business and therefore handle somewhat large amounts (to a 16 year old at least haha) of money from time to time. As my regular bank account can only offer me good interest up to £2,500. Where would be the smartest (tax-free if possible) place to save my money? The starting amount will be anything…
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Kent Reliance Bond Maturity
The bond matures on 11 Aug (Thur), told them to close it & transfer funds to nominated bank a/c. Bit surprised today to get an email from Kent telling me that "following maturity the funds may take 5 working days to reach the account", this means that it's possible it won't be in my bank until 18th Aug. Surely this delay…
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Interest rates cut to 0.25% from 0.5% discussion
Breaking news, just happened. Balls. Hoping the Santander 123 account stays at 3%! What's everyone thinking?
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Help to buy ISA
Morning all. Just have a question really as I'm totally new to the hole process as it's my first home. Me and my partner both took out a help to buy isa. We have now completed and have moved into our home and things are good. But! We was expecting £1000 back from the ISA and are unsure of when we should be expecting it.…
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Snowman's spreadsheet
Does anyone (Snowman?)know where this is. The link to https://drive.google.com/file/d/0BxA6Przq6KI1R3hTcUxnM29XaE0/view?usp=sharing doesnt work. Thanks
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Amateurs shouldn't overanalyze
The liquidity of stocks can be a bad thing, people are able to act rashly like they couldn't with property. Amateurs will always be too late to act and risk locking in losses and incurring commission depending on the investment. Professionals can make a long term gain out of many short term gains but this isn't something…
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Best place for my money?
Firstly, I preface this by the fact I would consider myself somewhat of a novice in regard to savings accounts; so any advice greatly appreciated. Anyway, I have about £10,000-£15,000 I would like to put into a savings account. My current account is with Lloyds, but obviously would like the best possible rates. Ideally,…
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Trust Fund investment
After the death of my ex-wife, a 1/4 share of £140K remains in a trust fund - at present still with the probate solicitor - for our 50 year old vulnerable adult son. The other 3/4 has been distributed to 3 other beneficiaries. One of the beneficiaries (our daughter) and myself (not a bemeficiary) have been appointed…
