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Savings & investments

Archives for April 2006

Saving and Share
Hi I am terribly an ultra-newbie here and I have ton of things to learn at this stage. I have two questions for you. Hopefully you give me sensible advice. Question 1: I am currently saving £20 per month and do you know which saving account would be ideal for me? Question 2: I would like to invest some money in share but…
Short-term saving
Hi I have around £35k which I do not need to use straight away, but will need to access it in around 4 months time. I would like to earn some interest and not just leave it hanging around a current account. Any ideas?
Edward Jones
Hi, we recently had a company called Edward Jones call at our house (and all the others in our village) with a view to offering investment advice. We later saw the "salesman" although he describes himself as a stockbroking service. He went through a few options for us about maxi isas and investment funds. I asked about…
@40K to save, invest or whatever.
Hi everyone, I am about to receive @40k as a payment from my mother's estate and I am wondering what to do with the money. I left a post just after she died on whether to buy the house or not and I think I've made the right decision in deciding against it - so what's the best thing to do with the cash? I found an old file…
Where to save £14,000
Hi My friend has been given £14,000 to look after for her mum after selling her house. She will be able to keep any interest that is made. Any ideas of the best place for the best return she should put it. I know you can only put £3000 in an ISA but should she put some of it in one? Julia
Halifax Guaranteed Reserve
I'm not sure if this has been posted before, but I can't see it in this forum. Halifax Guaranteed Reserve, which is a fixed interest, fixed term savings account has improved its rates since 20th April 2006. It looks quite attractive now. Halifax Guaranteed Reserve UK rates from 20th April 2006 6 months £1,000 up to £14,999…
90,000 - How would you invest?
A friend has 90,000 to invest, he also has 3 houses, 1 he lives in 2 he let's living in south west 90,000 will not buy a property, How would you invest?
Need to lock away £19k for 5 years - Child Bond??
Step-Daughter has finally recieved her compensation and we want to lock away £19k of it for her. She is currently 15 and does not know she has this money. Ideally, we want to lock it away in her name but not neccessarilly tell her .... I was thinking of Child Bonds for 5 years and looked at insurancesupermarket place but…
Why Hyip work or it is a scam?
Some Hyips promise up 100 % in year! Why someone have any expirience working with them?
EGG Offer
Hi, I have tried searching for info on this but have not succedeed. There was an offer to register for 'My accounts' page on the EGG site and receive some additional credit. I have opened an account sometime ago but do not remember what the offer was and I have not received anything so far. I shall be grateful if someone…
How do I put existing shares owned into an ISA?
I wonder if anyone can help me, I have several shares in BP,BAA and BA not worth much in total but around 2,500, the certificates are just sitting there and I would like to put them into an ISA. 1. How do I go about putting the shares into an ISA and 2. Which company would be the best to use? Many thanks
Urgent Savings Advice Please!
Hi, We are in a bit of a dilema, and I'm in desperate need of advice. I'll try and keep it fairly simple. We have a £220k Interest only mortgage on our house which is valued at £430k. We purchased this house with a view to selling on within a 1.5 years, (hence the interest only mortgage which was fixed at 4.95% for 2…
Natwest ISA. How and Where?
I want to move £1400 out of my Natwest ISA and into an Online Savings Account (that isn't Natwest) The money is to pay for the rest of my wedding in August so it won't be in the online savings for too long. Which Online savings account would you recommend for this? Would keep it going afterwards as well for day to day…
Save or Pay Off Mortgage? Please Help!
Hi, We are in a bit of a dilema, and I'm in desperate need of advice. I'll try and keep it fairly simple. We have a £220k Interest only mortgage on our house which is valued at £430k. We purchased this house with a view to selling on within a 1.5 years, (hence the interest only mortgage which was fixed at 4.95% for 2…
What to do with £55k
Hi, I'm undecided what to do with £55k. I don't want any risk on it but want to make healthy interest off it. Does anyone know where best to put it?
Norwich & Peterborough Gold Account
I've tried searcing on this topic as I seem to recall something beiung posted previously but had no luck... Their Gold savings account pays 8%. However, am I right that only people living in certain postcodes can apply? Sounds a bit discriminatory to me!
Egg Money Manager and Security - PLEASE READ!
For convenience, some of you may be using the facilities of Egg Money Manager, viz:- Got online accounts all over the place? Bored of always hopping from site to site, just to check your balances? Let Egg simplify your life with Egg Money Manager. With just one password see your online accounts in one place, whether…
Saving for a child
:confused: I have opened an 'ethical' child trust fund account for my little boy with the co-operatives sister company CIS, I now need to open a really good long term savings account for him, but that we can also have access to should we need to buy him anything. Any recommendations? I have been warned that I will be…
ISA. What to do?
Hi, My BF has an ISA with the Halifax worth around £10k. As the FTSE has risen above the 6000 mark, he is considering cashing it in. He is a higher rate tax payer, and with the attraction of the ISA being tax free would this be a prudent move? Also if he does cash it in can anyone suggest a good place to put the funds,…
Investing a large inheritance
Hello everyone, I'm 31 and have just come into an inheritance of around 700K. I'm married with two young children. I have a mortgage of around 65K which I will pay off straight away. I am now thinking about what to do with the rest. I am not an experienced investor, but have been reading masses and checking out websites to…

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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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