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Interactive Investor: Poor security?
I, like many others here, have a significant proportion or my net worth with II. Each time I log in, a thought occurs which is it's single level password, inputted in total (not selected digits) - which could mean that it is easily harvested? And there's no second level security on log in, for me for sure. If it was a…
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Halifax Kids Monthly Saver Account
Does anyone have any experience of the above account? The first anniversary is due soon and the sum accrued in the Kids Monthly Saver (at 4.50%) will automatically move to the Halifax Kids Saver (at 1.98%). Are there any pitfalls/penalties in moving the sum out of the Kids Saver (once it has transferred across) into…
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Galliford Try
Anyone know what has happened with Galliford Try, have I lost money or gained :) "The Board of Galliford Try plc ("Galliford Try") is pleased to announce that it has entered into an agreement with Bovis Homes Group PL". I had 56 shares which were worth around £500, my HL account is saying that I still have 56 shares, it…
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S&S ISA newbie
Hi there please excuse my complete ignorance of s&s isa’s I opened a s&s isa yesterday which will take 25£ a month from my bank. I did it as a little bit of fun. I am COMPLETELY clueless as to what I can do. Can I just leave the money and not buy shares?? Is £25 a month enough to actually invest in something if I ever did…
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Vanguard to iWeb complications
After some good advice on here, I decided to transfer the majority of my Vanguard ISA funds to iWeb, to save platform fees. I opened the iWeb account and completed the transfer instruction, stating that I want to transfer all previous years' ISA investments to iWeb but leave the 2019-20 funds live with Vanguard so I can…
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ford money
Any thoughts of Ford money fixed rate savings? Is it a good company to look at?
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ISA - Overpayment
This year I have had my usual cash ISA along with a stocks and shares ISA , stupidly I thought the £20,000 allowance was per ISA of each type per year so I have overpaid considerably. I am not sure what to do , any advice appreciated.
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Making the most of savings
Hello, I’m very excited for the upcoming year - am debt free (except for the mortgage) for the first time and am now able to start really saving. I have a few hundred aside already, but have calculated I should be able to put aside a few thousand a year. It is currently going into a Lloyd’s ISA which is doing nothing -…
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FlexPlus account charge
Can anyone remember at which point you become liable for the £13 pm charge for the Nationwide FlexPlus account? I seem to remember there being no charge in the first month. To explain the reason for the question: With no in credit interest but happy to pay £13 pm for the insurances and breakdown cover, I was intending to…
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Move an estate into an ISA but which one?
Hi guys, To cut a very long story short, my dad was killed whilst he was out in Uganda in 2015. I'm sure he was murdered as part of an inheritance scam as a "wife" has come out of the woodwork from Uganda. I've been in Ambassadors offices, Police stations, registry offices and all sorts trying to sort it out but it's got…
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Gold Sovereigns (or other coins)
Dear All I am currently dealing with my late mothers estate and she had quite a lot of jewellery. None of it is particularly high value and we have taken a few bits that have sentimental value to us. A local Jeweller has taken a look at it and is has offered us about £900 for the gold weight. I am going to try and sell…
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Power of Attorney: Managing Savings of Relative in Nursing Home
Around 12 months ago my gran went into a nursing home. She is in her 80s. My mum is acting as her Power of Attorney. My gran's house has now been sold. With the proceeds of this property, in addition to remaining savings, she has around £270k to her name. The costs for the nursing home are approximately £660 per week. Her…
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Inheritance investment Help
Dear All I am currently managing my late mothers estate and at first looks I am likely to get a decent amount of money. Once I have paid off the mortgage and done a few things around the house I am hoping to have about £60 - £80k left over. I have never had this amount of available cash to invest in the past and so would…
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Saving for a group holiday
Hi there. I have a grand plan to go to the British Lions Tour to New Zealand. The bad news is this is going to be expensive! The good news is we have 10 years to save. So, there is likely to be a group of individuals interested and I thought rather than all save individually, I could set up a new savings account into which…
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28k Investment help
My mum has inherited about £28k from various ISAs and sole name accounts from my father who passed away late last year....he dealt mainly with the finances.... She wants to know what she should do with the money and I'm no expert... I guess they wouldn't bring in much interest in a cash ISA, so any suggestions about what…
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Offset mortgage or investment
Hi all, I currently have an offset mortgage with a remaining balance of £100K, and £100K on my savings account, so basically the mortgage is fully offset, I am paying £0 interest. I am making a capital payment each month, as if the mortgage was a regular repayment one (and not interest only). Mortgage rate is 2.50% so I am…
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UK stock market the big picture
Have spent the Xmas/NY lull looking at the UK stock market vs rest of the world....as you do :money: some quite interesting facts UK stock market is only seventh largest in the world, just ahead of the Shenzen regional stock market in China and largest stock market in Europe is Euronext, not the FTSE (I always thought…
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Virgin Money Savings Rates
Hello, We have an older Double Take v9 online account that paid 1.45%, though thats been superseded by newer versions of the account, Online shows that the account is still paying the same rate of 1.45% so thought about moving some other lower interest rate money into it, but wondered if that would somehow trigger Virgin…
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Vanguard S and S ISA
Please ignore my ignorance i have tried to read up on how these types of funds make investors money (obviously via dividends if successful) is there any other ways? does this money then go into my fund to make more money? apologies again for the somewhat stupid question
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Passing savings to children to minimise Inheritance Tax
I appreciate the risks involved (eg divorce, bankruptcy, family fallouts etc etc) but taking those into account I'm still concerned at my children/grandchildren losing 40% of my asssets over and above the exemption limits after I've popped my clogs. Seems such a waste, when just handing some of the assets over now (leaving…
