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Author Topic: Need some advice from a finance guru  (Read 3451 times)

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waspy

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Need some advice from a finance guru
« on: 25 October 2008, 18:57:51 »
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D
« Last Edit: 25 October 2008, 18:59:11 by waspy »
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Tony H

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Re: Need some advice from a finance guru
« Reply #1 on: 25 October 2008, 19:03:48 »
There's quite a few savings accounts out there offering in excess of 6% gross out there one of them being the post office. I believe that one Turkish bank is returning 15% :-/
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Lizzie_Zoom

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Re: Need some advice from a finance guru
« Reply #2 on: 25 October 2008, 19:12:42 »
Quote
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D

If you don't want to treat your better half to a replacement car, diamond ring, neckless or a two top designer dresses, then I recommend you invest in GOLD bullion!  

It is the only safe commidity that is gauranteed to hold its value and give you a good return. :y :y

Failing that just make sure wherever you place it the Government has a full money back guarantee in place. ;D ;D ;)
« Last Edit: 25 October 2008, 19:13:32 by Lizzie_Zoom »
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pete.h

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Re: Need some advice from a finance guru
« Reply #3 on: 25 October 2008, 19:13:06 »
I always like premium bonds . I know the average return isn't brilliant , about 4% I think , but it is tax free , and there's always the chance that   " this time next year you'll be a millionaire !! "         (slim admittedly)
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Danny

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Re: Need some advice from a finance guru
« Reply #4 on: 25 October 2008, 19:16:24 »
Quote
There's quite a few savings accounts out there offering in excess of 6% gross out there one of them being the post office

are these allowed even with ISAs?

i've also maxed out an isa and have nearly £2,000 to put in one but apparently if its not an isa the interest is just rubbish
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Tony H

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Re: Need some advice from a finance guru
« Reply #5 on: 25 October 2008, 19:18:52 »
Quote
Quote
There's quite a few savings accounts out there offering in excess of 6% gross out there one of them being the post office

are these allowed even with ISAs?

i've also maxed out an isa and have nearly £2,000 to put in one but apparently if its not an isa the interest is just rubbish
Yup they are savings account so no limits but they are subject to income tax :(
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waspy

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Re: Need some advice from a finance guru
« Reply #6 on: 25 October 2008, 19:55:08 »
Quote
Quote
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D

If you don't want to treat your better half to a replacement car, diamond ring, neckless or a two top designer dresses, then I recommend you invest in GOLD bullion!  

It is the only safe commidity that is gauranteed to hold its value and give you a good return. :y :y

Failing that just make sure wherever you place it the Government has a full money back guarantee in place. ;D ;D ;)

Tell you what Lizzie, how about you becoming my other half seeing as i don't have one :D
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Lizzie_Zoom

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Re: Need some advice from a finance guru
« Reply #7 on: 25 October 2008, 19:59:07 »
Quote
Quote
Quote
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D

If you don't want to treat your better half to a replacement car, diamond ring, neckless or a two top designer dresses, then I recommend you invest in GOLD bullion!  

It is the only safe commidity that is gauranteed to hold its value and give you a good return. :y :y

Failing that just make sure wherever you place it the Government has a full money back guarantee in place. ;D ;D ;)

Tell you what Lizzie, how about you becoming my other half seeing as i don't have one :D

What type of girl do you think I am, who would go with a chap just because he has money?? :o :o :o :o ............................................ 

Oh, ok then Pete!! ;D ;D ;D ;D ;D ;D ;)
« Last Edit: 25 October 2008, 20:01:27 by Lizzie_Zoom »
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LaserLance

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Re: Need some advice from a finance guru
« Reply #8 on: 25 October 2008, 20:02:31 »
Watch out Pete  you might get Skruntie coming out in competition with you  ;) ;) ;) ;)
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waspy

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Re: Need some advice from a finance guru
« Reply #9 on: 25 October 2008, 20:06:10 »
Quote
Quote
Quote
Quote
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D

If you don't want to treat your better half to a replacement car, diamond ring, neckless or a two top designer dresses, then I recommend you invest in GOLD bullion!  

It is the only safe commidity that is gauranteed to hold its value and give you a good return. :y :y

Failing that just make sure wherever you place it the Government has a full money back guarantee in place. ;D ;D ;)

Tell you what Lizzie, how about you becoming my other half seeing as i don't have one :D

What type of girl do you think I am, who would go with a chap just because he has money?? :o :o :o :o ............................................ 

Oh, ok then Pete!! ;D ;D ;D ;D ;D ;D ;)

 ;D ;D ;D ;D You make me laugh Lizzie

Would you settle for a Pearl Necklace :D :D :D
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Lizzie_Zoom

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Re: Need some advice from a finance guru
« Reply #10 on: 25 October 2008, 20:07:08 »
Quote
Quote
Quote
Quote
Quote
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D

If you don't want to treat your better half to a replacement car, diamond ring, neckless or a two top designer dresses, then I recommend you invest in GOLD bullion!  

It is the only safe commidity that is gauranteed to hold its value and give you a good return. :y :y

Failing that just make sure wherever you place it the Government has a full money back guarantee in place. ;D ;D ;)

Tell you what Lizzie, how about you becoming my other half seeing as i don't have one :D

What type of girl do you think I am, who would go with a chap just because he has money?? :o :o :o :o ............................................ 

Oh, ok then Pete!! ;D ;D ;D ;D ;D ;D ;)

 ;D ;D ;D ;D You make me laugh Lizzie

Would you settle for a Pearl Necklace :D :D :D

Oh yes!! ;D ;D ;D ;)

But still invest in the GOLD! 8-) 8-) 8-)  Always look after your investments first............because I am the last person to! ::) ::) ::) ;D ;D ;D ;)
« Last Edit: 25 October 2008, 20:08:31 by Lizzie_Zoom »
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waspy

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Re: Need some advice from a finance guru
« Reply #11 on: 25 October 2008, 20:07:39 »
Quote
Watch out Pete  you might get Skruntie coming out in competition with you  ;) ;) ;) ;)

No contest :-X
 ;D ;D
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waspy

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Re: Need some advice from a finance guru
« Reply #12 on: 25 October 2008, 20:09:27 »
Quote
Quote
Quote
Quote
Quote
Quote
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D

If you don't want to treat your better half to a replacement car, diamond ring, neckless or a two top designer dresses, then I recommend you invest in GOLD bullion!  

It is the only safe commidity that is gauranteed to hold its value and give you a good return. :y :y

Failing that just make sure wherever you place it the Government has a full money back guarantee in place. ;D ;D ;)

Tell you what Lizzie, how about you becoming my other half seeing as i don't have one :D

What type of girl do you think I am, who would go with a chap just because he has money?? :o :o :o :o ............................................ 

Oh, ok then Pete!! ;D ;D ;D ;D ;D ;D ;)

 ;D ;D ;D ;D You make me laugh Lizzie

Would you settle for a Pearl Necklace :D :D :D

Oh yes!! ;D ;D ;D ;)

Im TPMS. Lizzie, i'm in stitches. I love a women with a sense of humour :y :y :y :y :y :y :y
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Lizzie_Zoom

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Re: Need some advice from a finance guru
« Reply #13 on: 25 October 2008, 20:11:23 »
Quote
Quote
Quote
Quote
Quote
Quote
Quote
I've £3000.00 to put into an account, i would like to be able to get at it as of when it's needed & i was wondering what's best.
I already have a maxed out cash ISA so that's not an option.
Does anyone have any recommendations as to which bank, building society or the like that would give me a good rate of interest & instant access.
Any suggestions greatfully received :y

PS. your account is not an option ;D

If you don't want to treat your better half to a replacement car, diamond ring, neckless or a two top designer dresses, then I recommend you invest in GOLD bullion!  

It is the only safe commidity that is gauranteed to hold its value and give you a good return. :y :y

Failing that just make sure wherever you place it the Government has a full money back guarantee in place. ;D ;D ;)

Tell you what Lizzie, how about you becoming my other half seeing as i don't have one :D

What type of girl do you think I am, who would go with a chap just because he has money?? :o :o :o :o ............................................ 

Oh, ok then Pete!! ;D ;D ;D ;D ;D ;D ;)

 ;D ;D ;D ;D You make me laugh Lizzie

Would you settle for a Pearl Necklace :D :D :D

Oh yes!! ;D ;D ;D ;)

Im TPMS. Lizzie, i'm in stitches. I love a women with a sense of humour :y :y :y :y :y :y :y

Please note I did add to my post!! ;D ;D ;D ;)  Be  warned! ::) ::) :D ;)
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waspy

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Re: Need some advice from a finance guru
« Reply #14 on: 25 October 2008, 20:13:12 »
Are you a women of hand bags & shoes?
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