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Nationwide asking for employers details
Hi all, I have just applied for/opened a Nationwide FlexDirect current account and was just wondering why they ask for employers details? Is it just to see if you are earning so you fulfill the application criteria, or are they trying to change the account my wages are deposited into? Stupid, I know... Thanks in advance!
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Virgin Regular e-Saver accounts
Can you have more than one of these at the same time, for example an issue 2 and an issue 4?
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Stock question from clueless investor!
Hi - hoping for a bit of advice as I am bewildered! I inherited some stock in a major US oil company many years ago, and - as a stocks and shares ignoramus - have been plugging along just filling in the odd form and getting dividends, not actually ever looking into the stock market more deeply, as I have no other available…
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Virgin Pie Voucher
Another one received from Virgin (£7) re the Matchday Saver A/c. What do you do with yours ? I never go to Manchester, nor know anyone that does
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Can I open an S&S isa and a LISA in same tax year
As above... And aim to contribute 4k to the lisa at some point and remainder in s&s. Similarly, can an innovative finance isa also be opened and contributed to within same tax year (and assuming haven't used up allowance, contribute to as well)?
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Cash:stock ratio
I am looking to buy a house in perhaps 2-3 years time. I would like to grow my funds as much as possible whilst protecting what I've got. Okay stating the obvious!! I've got around 50:50 in cash:funds/trackers (VLS80, S&P, FTSE250 and a few other bits). I'm happy to accept a 10-15% loss on my pot (about £17k currently) in…
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Building a First Time Portfolio
Hi, I'm in my late twenties looking to build an accumulation portfolio of index funds with a view to investing in these monthly for the next 10-15 years. The real issue I'm having at the moment is what funds to invest in that run alongside my core holding in the Vanguard Lifestrategy 80% Equity Fund. Roughly 70% of my…
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Current Account Switching
Hi just looking for some advice please. I currently have 2 BOS vantage current accounts, one Nationwide (with regular saver) and one HSBC (with regular saver). My plan was to open my 3rd BOS in two months time. I now think I would like to open a 1st direct account to get the regular saver and the switching bonus.....would…
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New to ISA Stocks and Shares
Hello all, My background I am 34 years old now, single male, have stable job and middle income at basic rate 20%. I own a small house (£130k, 80% mortgage, recently remortgaged with good low interest rate), £20k cash in Santander 123 as emergency fund (enjoy 1.5% interest) I paid 8% of my salary, whereas my employer paid…
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Best date to open a regular saver?
I had an email from Santander today about their 5% regular saver & it gave a projected final balance of "up to" depending on the date the account is opened. Which made me wonder when would be the best date of the month to open a regular saver? No take away all the answers like before it's too late as the account may not be…
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Shares in sole name treated as joint for CGT?
I need to sell some shares in my sole name quickly, but just realised that this will tip me over CGT limit. Is there a way I can assert that my spouse can share the gain (because in reality she is a beneficiary of the proceeds - that will end up in our joint account). I won't have time to do the paperwork to transfer them,…
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Good teenage investment account
I've been using the Halifax 6% saver account for my older son, paying in £100 a month for just over 2 years. At the end of each year, the money is "syphoned" off and goes into a normal Halifax account (very low interest). With just over £2000 in the "normal" account, does anyone have any suggestions where I could move it…
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Fixed Bonds
I am considering taking out a 3yr fixed rate bond with Vanquis. The offer is for 1.9% gross for up to 250k max. I only have about 16k to invest but it's a lot to me. Whilst this offer is the best I can find, I haven't found anyone else recommending it in the forum, neither yay or nay, so I'm wondering if I've missed…
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New Baby
Hi I have just given birth and i would like to open a savings account for my baby. i want to save money on a regular basis and put in a lump sum. I don't want to open an account that will risk the money. Any advice would be appreciated as there is so much out there its so overwhelming. Thanks
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Santander 123 current accounts
Is it still viable to have these accounts if only holding say 8k in each account? The rate has gone down but the monthly fee has gone up. Ignoring cashback, is it still worth hanging onto these in case the rates do go up? Or would it be better just to close these down and re-apply? Bear in mind that I'm an early adopter,…
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Advice: What Next afer high interest accounts
Hi All - Whistle stop summary: I'm lucky enough to: * Own my own flat * Saving towards a house (joint) with my g/f who has no savings * Have savings in 1. Santander 123 2. RBS Vantage 3. chunk of premium bonds and have just opened 4. Nationwide Flex. * G.f has just opened a Vantage account and a LISA (stocks and shares)…
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PM Seeks General Election For June 8th
http://news.sky.com/ Just announced that there will be a vote in parliament tomorrow to authorise this.
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Liquid Savings Vs DCA
Hi, I'm currently towards the end of the tunnel re debt. Only 8k to go via a DCA. I have limited income, and pay X amount to the DCA ever month and I've never missed a payment over the last 5 years and will have paid all my debts in full by in three years or so. So i am working hard to pay my dues and not to deny anything.…
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Should I open a S&S ISA?
Hi All, I'm after some advice. I am looking to start putting some money aside for a little nest egg in the future. No particular plans or wishes that I want the money for just something to fall back on in the future. I am in my 20s and have a mortgaged property, I have around 2k saved in high interest savings/current…
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savings for under 25's non-students
can anyone advise, I have an 18 yr old daughter in her first job and looking to start saving. LISA look a good deal if she's hoping to eventually get a house but she'll have to wait until June if she wants to start a cash-LISA. She really needs something to start her off with a good rate of interest and flexibility, I've…
