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From 1st July 2014, ISAs are changing; cash ISAs and stocks & shares ISAs will remain as separate accounts, but they will fall under an over-arcing single named account called “NISA” or New ISA. If you have already subscribed to a cash ISA or stocks & shares ISA since 6 April 2014, you need to […]
Let’s say you’re out with a friend. You go and have a meal, catch a film and have a few drinks. The only hitch is he’s forgotten his wallet (how convenient!). But it’s no big deal. You have enough cash on you, so you pay. The next day you ask if he can transfer you […]
There’s an old adage that two can live as cheaply as one, however, this doesn’t always hold true. Two people will consume more food than one for example and will generally use more energy, but splitting housing costs and utility bills will certainly cost less overall. Items such as standing charges have to be factored […]
Table of Contents Zopa for Savers Selecting a Market Finding a Borrower What are the Restrictions? Can I Withdraw My Money Sooner? How Much are the Fees? What are the Risks? Zopa for Borrowers Applying for a Loan How Flexible are Loans from Zopa? What if I Default on my Loan? With people looking for […]
Peer to peer lending services aim to link up those in need of funds with people looking to make an investment. Some peer to peer lenders supply loans to individuals whereas others focus on helping small businesses acquire credit. Though all lenders have their own rules, regulations and procedures, the basic concept is always essentially […]
With mortgage lenders potentially asking for relatively large sums to secure a loan, saving for a deposit can feel like a daunting task. According to the Guardian, it takes 37 months on average to save a 10% deposit on the average UK property. If that sounds like a frighteningly long time already, remember that the […]
If you’re short on money, you’ll be surprised at how much you can raise simply by plundering your possessions and getting rid of everything you no longer need. Not only will your bank balance receive a shot in the arm, you’ll probably also find you have a lot more living space than before. Here’s a […]
Much has been made of ISAs in the past and how it’s a great way to save for the future, so much so that Junior ISAs have been launched to encourage parents, grandparents and other family and friends to help save for a child’s future. This means that should your child want to go to […]
Are a younger generation of savers doing a better job than their parents? This question demands a composite response – namely, recent surveys have shown that while our youngsters are better at saving for their education, many are not recession proofing themselves. Now we will look at these points in detail. Education is now key […]
Buying guaranteed income bonds is somewhat like placing your money into a fixed rate savings account. Your bonds will pay out a set level of interest over a pre agreed period, normally between one and five years, providing you with a guaranteed income. You can receive this income weekly, monthly or, more commonly, annually. In […]
Since the Child Trust Fund scheme ended (to new applicants) in January 2011 there has been little to replace it but in November 2011 a new Junior ISA is to be introduced by the government to provide tax free savings vehicles for children. Unlike a standard ISA you can have separate cash and share-based accounts and with a much larger limit on yearly investment that CTFs, Junior ISAs seem like a good deal.
It has often been thought that a current account is just the same at all banks or building societies where interest rates are scandalously low and overdrafts are hard to come by but it is a little bit more complicated than that. Here we try to guide you towards the best current account for your needs whether that is a student account, offshore account or premier current account (those that give you extra benefits such as free travel insurance, breakdown cover etc.).
It’s no secret that most people are looking for the highest interest rate when they choose a personal savings account but there are a few different types of savings vehicles to compare before you opt for one. The aim of this article is to give you a run down of some of the more popular types of personal savings including easy access accounts, notice accounts, fixed rate bonds, regular savers and offshore accounts.
ISAs are not always the easiest thing to get your head around and this confusion leads many to avoid them and miss out on the tax free benefits that ISAs bring. Here we attempt to demystify some of the more popular jargon surrounding ISAs from the difference between cash and investment ISAs to investment limits and risks involved.
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