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Savings & investments

Archives for September 2005

ICICI reduce interest rate to 5.15% [AER] from 01/11/05
Posted in one of the ICICI polls threads already, but I thought this is worth a separate thread. Still a v good rate, and I like that they spell out that the rate applies to existing and new customers - no uncertainty there ;-) Dear HiSAVE customer, With effect from November 1, 2005, ICICI Bank UK Ltd. will revise the…
childrens savings
can anyone recommend the best childrens savings account at the moment... thanks..
New Star Savings ?
Hi, I have been looking at savings and investments and was told by a friend that New Star would be a good company to use? Have you had any dealings with them? or do you think I could do better elsewhere? Thanks, Terry.
Where is the 4.85% rate on Cahoot Instant Access Savings?
Hi there, I cannot find for the life of me where this 4.85% rate is for instant access savings? It is on Martin's comparison table. Does it apply only to larger balances? Thanks Nina
Cahoot offer 5.25% for 6 months on £15K+
From the 30th September 2005, Cahoot will offer 5.25% for 6 months, on deposits of between £15,000 - £100,000. The rate is now being advertised on Moneyfacts and details will appear on the Cahoot website from Friday 30th September. Balances between £1 - £14,999 receive 4.25%p.a. Interest is paid on maturity.
Abbey eSaver
I'm likely to be opening an Abbey eSaver account and noticed in their terms something about withdrawals being subject to their daily limits. I assume they just mean cash withdrawals from dispensers but being a cautious sort phoned to check. The bod I spoke to seemed a bit confused and not too sure. Could anyone confirm…
Share Index Constituents
Anyone know of a good website that tells you which index(es) a particular share is listed under, i.e. FTSE100, 250, AIM, etc. I can get at the info by trawling through an alphabetical list in each index, in Yahoo for example but, if your not sure which index a share is listed under, i.e. Aim or not, then this trawling is…
A&L Online Saver rate
just had a letter informing me that the rate dropped again on Sept 2nd to 4.75%. I've just recently opened an e-savings account with first direct paying 5%. Would I be best transferring most of the money to this (leaving some behind for emergencies) or will they likely follow suit and drop the rate?
Pay of Student load or start saving!
This is 1/2 and 1/2 for savings or the student section but i hope no one minds ;-) THe question is - i am jobhunting at the mo - just finished uni. Ive just read Martins Money fountain article and that was the same conclusion i had drawn from other posts, i.e. Isa > reg saver > websaver. But - i have 1 student loan around…
First Direct 6% ISA
Did anyone else get this ISA with this great interest rate until 6th october? As this date is appearing and the rate was due to drop I thought I should transfer soon. The current top ISA is 5.5% with First Direct...I know this is stupid but I presume I can't transfer into that one.Any advice?..the next 4 listed are all 5%…
NEW ICICI Feedback Poll - Has it got any better?
Hi I'd love to know your feedback on the process of applying for ICICI and have you got your accounts up and running. This poll was first conducted a couple of months ago (see here), and I want to see whether the service and general process has improved now that they have had a bit of time. In the original vote, the…
Savings newbie (ISA, HSBC, Halifax help)
Hello I am a post grad with 15K in student loans. I elected to take out the maximum student loan this year as I figured that I would be better off investing the money. Here is what I am able to invest every month this year £500 Oct 05 £150 Nov 05 £150 Dec 05 £1900 Jan 06 £150 Feb 06 £150 March 06 £1900 April 24th 06 £150…
www.lowtrades.com
Hi I just opened an account with them, as trade commisions are only $5. Has anyone got any comments on them? There site has been up 6 years now, so they look geniune and stable. Thanks Matt
Trust fund for 6 year old (NOT CTF)
I have read the main reports on savings for children, but have not found anything relating to specific Trusts for (older) children other than the new CTF. The purpose of a specific Trust is to ensure that the beneficairy receives the investment outwith the inheritance situation if the donor(s) should die within the seven…
500 a month to save
500 to save every month already used isa allowance,high rate taxpayer,looking to buy another property but waiting for pension changes next year
£120k to invest for 3yrs+
Hello All Please can anyone give me some advice ? My husband and I are about to sell our house for £190,000 and have no mortgage. We are going to live in a friends spanish villa for 2-3 years and want to know what to do with our money whilst we are away. We plan to put £70,000 into a Nationwide savings account which is…
Question about Bradford and Bingley esaving account
I opened this account and a day later they cut the intrest rate, can I leave £1 in it or does the balance have to be above £1000 ?
investing in palestine !!!
ok i know how bad this may sound but investing in palestine !!! is this a logical conclusion as the peace process moves forward ! and finally a palestinian state is created there will be massive influxes of cash to rebuild !! surely it would be a good time to invest in palestne. of course its very risky just wondered what…
where to apply for a egg savings account with cashcard ?
how do i do this i cant find it online at all
Tracking old share certificates
Hi, I am a complete novice when it comes to shares, but have a number of share certificates purchased 4 or 5 years ok, I have moved house a couple of times and have not kept track of the companies, updated my details on the share certificates so have no idea, if they are still going, gone bust, been takenover etc etc. Is…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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