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Comments on stock market movements
Hi all Back pre-Covid the BBC news website, business pages, carried short comments explaining what was driving that day’s stock market movements. Unless they’ve been moved, the comments seem to have been dropped. At the time of writing, the FTSE 100 is down 1.2%, and, though I can think of a few reasons for the fall, it…
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Advice on using a wealth preservation fund
Hi, I have 6 figure investments in usual vanguard/global tracker type funds and very happy with that approach. A few months back I acquired 6 figure cash and have been struggling with what to do with it given the state of the markets being so high. I know you can't time the market etc but I just don't feel comfortable…
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New saver
Hi folks, Pretty intimidating to scroll through and post here as I don’t really understand the terminology. I’m just hoping for some straight talking guidance I’m turning 40 early next year and for the first time in my life I am debt free all be it with a mortgage, so I want to start a regular savings account to build on…
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Important to check for prizes
My wife has held Premium Bonds for years, but her few wins were always notified by post, with a cheque or warrant enclosed. This month she also had a winning bond (just gbp25, as you'd expect). She was notified by a rather cryptic email, and I had to use the prize checker to find out the prize. That told me that she had 7…
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Hatton Garden Metals payment delayed
Hi, has anyone else had a delayed payment when selling gold with HGM? I sold some gold around midday today and although they say "Guaranteed SAME DAY payment in your account", I haven't received the money yet, and it's 8.30pm, so it won't go through today. Disappointed in their 'guaranteed' payment as I have to pay someone…
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Ns&i
Hi All, I am about to sell one house after the other to buy something bigger. I need to keep the money from the first house in an account. Roughly for 6 months or so. I think I’m going to go with NS&I but I need advice on what sort of account to go for please. I don’t want to gamble with any of it and want to ensure it’s…
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Share holding clarification
Getting myself a little confused. I'm sorting out my late fathers finances and he had a Halifax shareholding account and share ISA. Both had a quantity of HSBC shares of which Halifax have confirmed quantities on each for probate. I then received a HSBC letter regarding dividend payments at his address and on notifying…
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The vast majority of MoneySavers have more in savings than they owe in debts, finds new MSE poll
The vast majority of MoneySavers are worth more than they owe, a new MoneySavingExpert.com poll has found. Read the full story: The vast majority of MoneySavers have more in savings than they owe in debts, finds new MSE poll If you haven’t already, join the forum to reply.
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Tax Shelters
What are the the different tax shelters out there?
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"If app-based saving isn't for you..."
I've been looking at fixed rate savings accounts now that the interest rates are starting to improve and noticed the phrase "if app-based saving isn't for you" often appears when the app-based banks like Atom or Tandem top the tables. Is that phrase aimed at people who prefer to stick to the traditional high-street banks…
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Ideas for saving for retirement
Hi I'm single and 53, with savings of about £50k. I own my home with no mortgage. I plan to work for at least another ten years. Can anyone give me any ideas on how to use my savings to boost my pension income? I will get a state pension and a (very small) private pension. I'd be grateful for any suggestions. Thanks
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Share dividend tax increase
The government has announced a 1.25% increase in the tax on share dividend income.Laura Suter, head of personal finance and AJ Bell, said the dividend tax hike will be felt the most by company directors, including the self-employed and contractors, who pay themselves via company dividends in addition to salary. “The move…
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Converting coins in Binance to Etoro or Paypal
I have a small amount of BNB and XRP in Binance but want to send this to either my Etoro wallet or Paypal. Is this possible? I cannot find a way online to do it.
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Large amount of cash account
Hi All, I am in the process of selling two houses two buy a bigger one. After the first house goes through I’ll have a large amount of money to keep somewhere until I buy the bigger house. It’s likely to be for a period of about 6 months. Can anyone recommend a good account to place this money in, that’s protected and can…
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Our discretionary fund manager is on market
My wife and
I, aged 85, are due to have a review meeting with the new representative of our
financial advisor, the previous having left after bereavement. In his introductory letter he mentioned that the
discretionary trust management with whom we had been placed “is looking to sell the Life &
Pensions business in the UK…
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Health and Social Care Levy
Just wondering - outside of an ISA, how would the new 1.25% health and social care levy on dividend income apply to accumulation funds and income funds? Would they be treated differently, do you think?
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Buying NASDAQ shares - very basic questions.
I'm wanting to buy specific shares in a company, listed on the NASDAQ exchange. I'm not looking to do any more than that, I'm not growing a portfolio, it's just a bit of 'buy-in' for a company we deal with through work. I understand I should only invest money I'd be prepared to lose. I'm not going to be selling and buying…
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QIB UK
Hello, has anyone used this bank for a fixed rate savings bond and , if so how do you rate them? I'm thinking about getting a 2 or 3 year fixed rate bond with them but i'm unsure really. I would prefer a decent interest fixed rate paid monthly but the only one available atm is from Atom and i dont have a smartphone to use…
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Etoro and Company Income
Hi,If I have invested in etoro from a company bank is that ok? Or does that etoro account have to be a company account? I took company money and put it into etoro and thought by using company money to buy investments like shares, I didnt think it being etoro had to be a company account was even a thing.
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Defined benefit transfer woes
Hello everybody. First timer on here. I have a defined benefits pension worth 50k that I would like to transfer to a more flexible pension scheme before I retire. Because it is a closed scheme I can only take a fixed annuity and would have to live to 90 to make this worth doing. Ill health means this isn't going to happen.…
