-
Savings accounts permitting in-year deposits
Hello all, first-time poster! Apologies if this is in the wrong place but as I say I’m new . . . I am in the process of saving for a major expenditure and have been trying to get the best return possible on cash/salary savings. I’m taking advantage of all of the best interest-paying current accounts and “linked regular…
-
Regular Savings/Drip Feed Calculator
I may be missing something her. I've just used these calculators and results below are shown The Regular Savings Calculator Back I want to drip feed the money This calculator will tell you how much you get using the drip-feed route, and compare it with keeping the money in your normal savings account. How far ahead do you…
-
H2B or LISA when i have Cash ISA i dont want to merge
I am going to open either a help to buy ISA or a lifetime ISA. But as I already have a cash ISA I am told that unless I have both products under one bank (Nationwide said they cold), that I won't be able to have them with different banks as i annually switch my current account, would i be able to switch both at the same…
-
Could Invesco Perpetual High Income fund be the next Woodford?
£8 billion still in the fund - given the strategy still mirrors that of its former manager, could performance turn from dire to disastrous?
-
Personal Rate Of Tax
It's Sunday afternoon, so I thought I'll start a survey for a bit of fun!! Just wondering about your personal rate of tax - by that I mean taking the whole of your gross income, (salary, pension, savings interest etc) and expressing that as a percentage to the amount of tax paid during the year. As a basic rate tax payer,…
-
Letter of Common Stock Ownership
Hi, I was gifted some shares in a company part-owned by my brother, the idea being that the company was planning to go public and I could then sell my shares if I wanted. I have a Letter of Common Stock Ownership, in my name and signed by the CEO confirming “ownership interest” in the company. It says the shares are in…
-
Advice
I have through unfortunate circumstances come into some money and am not sure what to do. I am hoping to generate a regular income and my future lifestyle has a habit of changing at a whim so having occasional access to the money to help me when needed I think is sensible. MY Current status Age 37 Salary 40k Currently put…
-
Al Rayan Bank _avoid at all costs.
About a month ago, I put a fair sum into this banks instant access account because it was the highest payer at around 1.6 %. Within a week I received confirmation of this and later, details of how to set up internet access. I then sent a cheque (remember those) for a larger sum. Using the details provided, I accessed my…
-
Deadline for £GBP Cash Swap?
Hi, When are the deadlines to swap old paper £5, £10, £20 and £50 notes for the new plastic notes? When will old paper notes lose their legal tender? Finally how to do the swap?
-
cash ISA rules clarification
Hi guys, earlier this (tax) year, on 9 April, I opened a Loyalty ISA with Nationwide. I then closed this account when they informed me that the rate was being dropped (think they even closed the account to new customers since aswell). This tax year I also swiched my help to buy ISA from one provider to another. Can I open…
-
Panicking, has my money been stolen?
Hi guys, So in late September I sent off a transfer to Barclays to transfer from their HTB ISA to a Moneybox Lifetime ISA. On the 16th October, I receive a closing statement from Barclays telling me that the full balance has been transferred out of my account. I still don't see it in my moneybox account, but not to worry…
-
How should I invest?
removed...... removed...... removed...... removed...... removed...... removed......
-
12 year Plan for Retirement Savings
I have a personal pension, but wanted to look at options for investments outside of that (or not). If I could max the current ISA limit for the next 10 years, does it make sense to do it & put any excess into a range of savings accounts to act as feeders? Or would it be better to put some/most into the existing pension?
-
Small Pension, Not Paying In
I have a small pot with what was originally part of General Portfolio, it was the SERPS thing. Total value is a smidge over £8K, but I've never directly contributed. It now sits with ReAssure. I've requested a transfer value. They state that their exit fee is capped at 1% of the value. Assuming that the penalties are not…
-
Short term investment of house deposit
Hi We are currently in the process of selling our house. Hoping to exchange this month. We are relocating and there is very little choice at the minute of where we want to go so have decided to rent. Hoping the market picks up a bit once brexit is sorted. If it ever does get sorted. So this leaves us with about 6-12 months…
-
Community finance network
I have a fixed bond maturing this month and am looking for another decent rate one, My community came up on a search, and seems to be also called community finance network, a non profitable organisation Has any one had dealing with them and if so are they good. Or can any only suggest one, have looked at the best fixed…
-
Unclaimed asset in Colonial Mutual
I have received a letter from Rightful Claims from Australia that they have found an unclaimed asset in Colonial Mutual UK . They want me to sign up with them for a 30% commission of the unclaimed asset. I did have a policy with Colonial Mutual but I thought it had paid out. The policy is in my previous married name and…
-
IFA versus HL
Hi Have 300k in funds with HL and recently had meeting with HSBC regarding transfer to them they want 2.75 % to implement any changes . As they said and as I have learned with the Woodford fiasco with HL no one is truly independent and will favour certain funds companies. Has anyone any experience with hsbc or shall I also…
-
10k windfall - what to do with it
After some advice. I have received an unexpected £10,000 windfall. I have no debts to pay off, no mortgage and no other significant savings (unlikely to use my tax free allowance). I have dropped the money into a 1% savings account temporarily and I am moving £250/month into a 5% regular saver. Just wondering if there is…
-
Tesco Internet Saver & Cheques
Tesco's Instant Saver T&Cs state that cheques can be paid in via post to Freepost TESCO BANK, 4943 and writing the sort code and account number on the back. The Internet Saver T&Cs indirectly reference this address in the contact details, but don't explicitly state cheques are accepted in the "How can I pay in section";…
