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ISA returns
I have £40000 in an HSBC Loyalty ISA. Earning 0.5% at the moment.Surely there is is a better return out there somewhere? I know that if I move the ISA that I will lose my Premier status.But at 70 years of age,I don't qualify for the free travel insurance.Or use many of the other benefits associated with Premier! Any…
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Bitcoin
There are so many websites regarding this giving complicated explanations of what it is and how it works. However, is it worth investing in? Where and how can you buy things? Or is it better to buy and watch the value of it? Are there any alternatives to Bitcoin that exist or are up and coming which might be a better…
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Ye Olde Regular Saver vs Overpay Mortgage with a twist
So my regular saver is coming to an end, £250 for 12months results in £3080. Then I got thinking. I have £200 000/20 years left on my mortgage, current interest rate is 1.5%. If I overpay £250pm, MSE's overpayment calculator says:Overpaying would save you £7,561 in interest alone, and mean you pay the debt off in full 4…
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company bought out half way through SAYE
i have been paying into 1/3 year saye scheme net from salary. company is going to be bought out in dec 2017 and delisted from stocks. i have been given letter to option A: excercise what i have paid in so far with no income tax/ni to pay option B: if buy out is authorised in dec, i will receive 'cash consideration?' and i…
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The "Save 12k in 2018" Thread!
So, the title is pretty self explanatory, but this is the place to be in 2018 :D it's that time of year, again! In 2018, the aim is to save £12k (or, any other amount if you like) from 1st January 2018 til 31st December 2018. I know it's early, but it gives you the time to plan for how you are going to do it. 2012…
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Informing your family members of your assets
Spoke to an acquaintance recently who was a lawyer regarding will and inheritance. one of the advice given was to let family members know my assets. how many of you guys inform your family members your total assets and its distribution? i actually wonder if a list of all assets (bank accounts, investments and pension) is…
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Buying shares question from novice investor
I am a new investor who has never bought shares before so apologies in advance if these questions sound very basic. I did a little bit of research into the whole process but am confused by the fees/taxes etc and want to make sure my understanding is correct before I dive in. I understand that there is a choice of different…
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childs savings account problem
My son (who is now 18) had a savings account taken out many years ago for him by a friend with whom I have now lost contact. Last heard was that they were living in France but could now be anywhere or even deceased. The bank say that the adult opening the account in my sons name must sign the paperwork to transfer the…
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Gross interest - help needed!
Dear All I am struggling to work out my interest for this year. The bank I am referring to is the Halifax help-to-buy ISA (given the increased interest rate). I have been paying £200 a month to this account since last year and have just been given this years interest. Based on the savings, I worked out the interest to be…
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Claim Settlement Help
Hello everyone, I'm about to receive a generously large sum of money due to a personal injury claim for an accident I had last year. Its almost certainly enough for my wife and I to buy our first home. The trouble is I have never had access to such large sums of money before and I'm at a complete loss as to what to do with…
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Research & Some Books To Read
In 2018 I'll receive some money and after helping with my daughters house purchase deposit, reducing/removing a loan, a mortgage and buying/building a T6 campervan I'll have about £100,000 left over which I want to invest. I won't really need quick access to the investment as I will have a separate monthly income. This…
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ISA S&S - HL vs CS
I am trying to decide between Hargreaves Lansdown and Charles Stanley for ISA S&S Amount to be invested £10k option 1: HL readymade portfolio for balanced income http://www.hl.co.uk/investment-services/isa/ready-made-isa/portfolio-plus Platform charge 0.45%, OCF/TER = 1.33% option 2: Charles Stanley ISA S&S…
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Applied for Birm Midshire 1.45% Internet Account
Nice and easy.
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savings account advice
Hi, I've had this amazing opportunity approach me with my work, I had signed up a contract worth £17,000 per month with my net outlay being around £8500 + the vat. I have approx £6800 left over from this, I do have some business debts to focus to get rid of as well as personal as well. This will leave me with near nothing…
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Wesleyan bank
Looking to save in a 1year fixed bond and have noticed a new rate of 1.88% by Wesleyan bank, online account, anyone had any experiences of this bank, new to me, but guess not to others, thoughts please
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Anyone successfully funded their TD Investing account with foreign currency?
Am looking to buy some Euro denominated shares hence wondering if anyone tried something like Revolut or Monese to fund TD directly with a Euro bank transfer to avoid the TD 1.5% fx conversion fee?
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Old YBS Savings Account
Hi my mother had an old savings account with Yorkshire building society she had not used the account since March 2003 so she had YBS update her savings book (account) and they only gave interest from March 2017 to November 2017 nothing in between, I questioned it but YBS said it’s right what they have done?! No interest…
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£8,000 in current account want to make the most of it.
I moved recently from Scotland to England and I'm currently renting £550 fully furnished. I'm working a temporary Christmas job as I had no job from moving. I am also at university and receive £6000 loan and around £1800 bursary. Living with a partner and he earns £18,000 a year. So, I have £8,000 savings and now I'm 22…
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MSE News: NS&I launches new fixed savings bonds but how do they stack up?
Government-backed savings provider NS&I has today launched fixed savings accounts allowing savers to deposit up to £1 million. Both its headline deals are beaten by others on the market though...Read the full story: 'NS&I launches new fixed savings bonds but how do they stack up?' Click reply below to discuss. If you…
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Fundsmith/Imperial Brands
I see from the Fundsmith monthly factsheet that Terry Smith has exited on Imperial Brands even though the current share price is fairly low? Is this because he is happy to concentrate on Philip Morris as his tobacco giant holding or has he lost confidence in Imperial; Brands?
