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A list of IFAs by area please.
Hello there. My mother needs some advice and suggested methods and products for investment with the issues of Trusts and Inheritance Tax in mind. I wondered if anyone knew where she can find a list of IFAs which possibly also includes some ratings or other info. about them. (She lives in the Medway area of Kent) Help much…
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Long term investment with standing order option
My elderly mother-in-law has been told that she will have to be admitted to a care home following a stay in hospital. She has her own house which is regarded as an asset and will have to be sold to fund her care. The house should sell for approx £100000. Where would be the best place to put this dosh where I can arrange a…
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AER to monthly rate
Hi, Is there a nice easy formula to work out the monthly interest rate, given an AER? For example, if a BS offers 5% AER, how can I work out what the monthly interest rate is? Thanks Jim
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big profitts!!!
Is anyone there that knows about ASSET INVESTMENTS LTD? :-/
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International Money Transfers
I am an American living and working here, and I have periodic need to move money over to my bank in the US. I'm looking for a way to cut the fee and get a good transfer rate. Currently I pay £24 in fees, I think the rate was £1=1.77 on a day when "the exchange rate" was 1.79. (Latter from https://www.x-rates.com) Western…
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I have been scammed by adofinance.com
I am searching for xxxxx Moderator action:- Name removed for legal reasons) that has stolen me (and other members) thousands USDs of money. Deposit $ 7,000.00 Sep-9-2004 07:17:42 PM Deposit to 230% after 20 days (principal + 130%) * * * * * * Deposit $ 800.00 Sep-1-2004 11:47:23 PM Deposit to Basic Invest (Daily Withdraw)…
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As clear as mud
This is an Xtraxt from a leaflet I received from a bank today: "If you receive advice from one of our advisers they will give you a cost of advice statement. The amount will depend on the size of your investment. We allow for the cost of advice in the benefits provided by your plan, so you have nothing more to pay. If you…
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Unsecured business loan of 60k
I have been looking at alocal business that is for sale that I am interested in but I currently rent a property, is it possible to gain a business loan, unsecured for 60k and if so where? Between my wife and myself we have a good income, just wondering though whetehr thi was possible. Any suggestions?
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Safe keeping accounts for shares
Can anyone help me please... I need to open a safe keeping account for some US shares/securities that are being transferred to me as part of my divorce settlement. I am so confused about the different charges and what I will have to pay. I have looked at a couple of online sites, but they do not seem to deal with US shares…
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Losing at Premium Bonds...
Right, this is meant to "set the cat amongst the pigeons".. This was prompted by an item in last Sundays Times' 'Money' section about Premium Bonds, which was fairly well informed.. unlike some coverage. At one point, a 'spokesman for National Savings' was quoted coming out with some strange rationalisations for why the…
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Child Trust Funds
I was wondering if anyone knew which is the best Child Trust Fund to go with? I want to open one for my 10 month old son but am finding it a bit of a mine field! Thanks for your help!!
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Birmingham Midshires 5.40% soon to be 5.10%
Tomorrow (Thursday) Birmingham Midshires are closing their Internet Easy Access a/c to new applicants. To attain the 5.40% gross rate, apply quickly! (includes 1st year bonus). This Friday, they launch Issue 2 of the a/c, @ just 5.10% (including 1st year bonus of 0.20%). The a/c seems attractive for lump sum savings. It's…
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Savings For Kids Education
I would like to maximize my capital. I have £32,000 in savings which I want to put away for the kid's education. I will need to start paying out in 6 years time. Currently, I have £12,000 in ISA's (@5.1%)and £20,000 in a Halifax online A/C (@4.9% Gross). I see that Alliance & Leicester is offering 5.35% Gross for online…
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How do I calculate interest?
Hi, trying to weigh up my options re paying money off on my mortgage or investing it wisely. I'm aware of regular savings vehicles, but for simplicity can someone help me with a more basic scenario so I can at least work out a minimum return based on current rates. I took advantage of the recent Cahoot introductory savings…
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Tax proof 16 & 17 year olds & students
DID YOU KNOW? 16 and 17 year olds & students can future proof themselves against tax by putting money (up to 3k) in a tax free mini-cash ISA. Even current non-taxpayers should do this, as cash ISA rates compete well with normal savings accounts and provided the money’s not withdrawn, ISAs keep their tax free status. ISA…
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£20k to set aside for a year - suggestions?
Having never had savings need some suggestions as to what do do with some cash that has come my way. I can put is away for a year but with then need access to it to help pay my way through uni. I'd rather it be risk free so do I go 'savings fountain' or am I better locking it away totally for that period? Or is there…
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What to do with savings?
I have 70K lump sum in a savings account, that isn't a particularly high interest rate. I don't need instant access too it but would like to have it somewhere that would allow me to withdraw once per year without penalties. Any advice on what savings accounts I should use?
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Using savings to generate income.
I'd love to retire early - 55/56? (work till I'm 70 or so - no way). Of course, I'd need money so I'm looking at consolidating some savings and using these to generate an income. Has anyone experience of doing this? What sort of income could realistically be generated from say £60k? (I also have an occupational pension of…
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Coventry Bdg Soc – new Sort Code for inward BACS
Calling customers of Coventry Bdg Society! (Please alert friends & relatives.) Inward BACS now need this new Sort Code : 40-63-01 new Account Number : the first 8 digits of your own a/c nr – not all 9 digits. (Previously this was Coventry's holding a/c nr.) Reference : your own name. (Previously this was your own a/c nr.)…
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What is the next step from a saving account?
I have managed to save a bit from here there and everywhere and my savings are gaining interest in 2 savings accounts. However, i am getting to the stage where, although i would hate to be without my savings, but i dont really need it. So i am wondering what is the next step up the ladder interest wise. I dont mind tying…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Don't quite max out your ISA? by refluxer
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