-
I would like to buy penny stocks, but which platfrom? please help
Hello all, What it is, I am a guy who does not have a huge amount of money but im going to start putting bits away month by month. But I have been talking to a person who is in a similar situation to myself, that person only has between £50 to £100 a month they can put into shares, so what they have done is invested…
-
Implications of relocating away from the UK
Hello, I am interested to know what the tax and other implications would be for someone with financial interests in the UK after moving away from the country. Imagine an EU citizen with more than 10 years full time employment in the UK who needs to relocate to the EU (possibly permanently). What would happen to a number of…
-
IFA fees
I need some opinions on an IFA that my parents have seen recently and the fees he's proposing to charge. My dad has a deferred final salary pension which he's due to collect in a few years. He saw the IFA who requested a transfer value and it was deemed to be worth over £500k. My dad subsequently had £ signs in his eyes…
-
Business and Personal Savings
Hi, I had a quick question in regards to FSCS protection. If I had £85,000 in savings in a bank, lets says Barclays, and £85,000 held in a business savings account which is operated under a limited company and I am a shareholder/director of the firm. If Barclays were to default, would I get back both my personal and…
-
Advice on savings acccount
Hi, I currently have a Lloyds Cash ISA with around £5,000 in it which is earning next to nothing at 0.05%. I managed to open a Tesco current account a few months ago and moved £3000 into it which is earning 3%. My plan was to open another few between myself and my wife after the first had been successfully setup etc, but…
-
Receiving dividend cheques in foreign currency
Hello Could you please help me with this issue about receiving share dividends cheques in a foreign currency. I own shares in my employer company, a foreign entity, and I used to receive dividend payments in GBP. They did this either by sending me GBP through Faster Payments from the UK branch, or sometimes by sending my…
-
Thank you - moving money about earned me over £400 last year :-)
A big thank you to those who post about switching and moving money around. Previously I couldn't really be bothered to do it. Last April I moved to a Lloyds Club account, opened a new TSB account, opened a Club Lloyds saver account, TSB Classic Plus saver account, another Llyds easy saver account. Just looking at my…
-
wetherspoons free shares
Has anyone else received free shares as an employee of Wetherspoons? Is it correct that you lose the shares when you leave the company? Found this out a bit too late for DS, I think.
-
company share save
hi i have been saving in my company share scheme for almost 6 years they match 3%salary. Shares have to be held for 5 years before they can be sold Tax and NI free. i currently have almost £3k available to sell tax free and this figure rises each month as more of the shares become eligible to be sold. My thinking is…
-
Easy to use S&S ISA platform for my mum
I've think I've finally convinced my mum to invest in a Stocks and Shares ISA. Can someone recommend a platform that is easy to use? She will be investing in low cost index linked funds (global, S&P 500 etc) and government bonds. She will be putting small amounts in regularly, maybe £500 per month and probably a lump sum…
-
£15,000 savings
Hi, I currently have £15,000 in savings in a Nationwide Flexclusive ISA earning 0.75 interest. I was considering changing to the Santender 123 account and depositing it in there but doesn't look like it will earn me much more? Any suggestions anyone? I need instant access to it. Thanks Melissa
-
Re-Paying Additional Mortgage
Hi Gang! I have some money left over from my second mortgage. Am I better off repaying the mortgage (2 year fix at 1.59%) or putting in a 2 year fixed bond (1.70%). Does it make any difference that the mortgage interest is calculated daily? Hope can someone explain it to me?
-
Regular Investing feature with II
I wondered if someone could clarify this for me. The regular investing plan with II at £1.50 a pop covers "UK share deals" only as well as funds etc. Now does that mean that only funds sold directly in the UK (e.g. with an ISIN number starting with GB) can be purchased under the regular scheme? There are a few ETFs I like…
-
Invest in HL, don't invest with HL
I came across a nice quote from Nick Train: So that means, of the 0.45% you pay HL in fees, two thirds of it is pure profit. Time to buy some HL shares? With iWeb, of course.
-
Fundsmith Equity - Opinions
I have been doing some research into funds and see what various brokers recommend. I have looked at several rating websites and something has struck me: aside from maybe The Telegraph, I haven't seen anyone recommend the Fundsmith Equity fund. The comments I have seen were usually that there are better funds. Yet go look a…
-
Student long term saving/investment
Hi, I am a student who has been saving up all year for a 'holiday fund' but i currently am predicting around £1000 left over after and want to increase that for a future. I have been reading around the idea of investing money into stocks and shares isas or into an oeic fund but am unsure what is best. I also was going to…
-
Problem with virgin money savings account (warning to potential customers)
Hi there I am having some serious problems with my virgin money savings account, so I'm creating this thread as a warning to anyone considering banking with them, and also to seek some advice. I have put all my life savings in my virgin money savings account, I have been banking with for around six months, everything was…
-
Paperless accounts and tax certificates
I have a couple of Online paperless accounts. As they are paperless does this mean they don't send annual interest tax records? If not, where do we obtain them from? Lloyds and TSB accounts.
-
Short Term Home for Cash
Where would you put £10k in the short term (1 year)? Mortgage has an early repayment penalty of 4% so not an option to overpay beyond the 10% threshold. ISA is an option but interest rates seem so low and stock values so high it seems an unwise place in the short term. Any suggestions would be most welcome.
-
multiple pensions
HI Chaps. Ive multiple pensions from several jobs.Ill expand. I had left the state pension when i was about 17 and contracted out of serps, recently the government has contracted me back in, but ive a fairly healthy pot sitting in a pension companies coffers. Ive another closed pension which was shut to contributions due…
