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Savings & investments

Archives for November 2006

Icesave Deposit Protection
I have recently opened an Icesave deposit account and as you do I was wading through the small print. Can anyone confirm my interpretation that I am guaranteed the first 20887 euros (approx £14000) of my investment by the Icelandic Deposit Guarantees and Investor Compensation-Scheme. If so then this is better than the UK's…
A&L refer a friend £50 denied
Hi. I have been doing the A&L refer a friend scheme for a while since reading about it on this site. However, that last time the £50 payments where not credited to my account eventhough I had followed all the same proceedures and met all the criteria. When I enquired about it I was sent a letter stating, '...it is…
Halifax to increase rates
1st December - here is some: Isa Saver Direct - 5.25% AER Variable websaver - 5% AER Children's Save4It - 5.3% AER Extra Income Saver (£100k tier) - 5.22% AER Monthly saver (1 withdrawal a year, up to £500 in a month) - 5.15% AER Guaranteed saver - 5% or 4% without current acc
yorkshire 6.5% regular saver
hi ya does anybody know if yorkshire will be increasing there rate?
bradford a bingley 10% comin to an end
what is everyone doin when their account expires?and are they going to be doing another one next year?
A&L Capital Bond with Guaranteed income
Anyone had a look at this new savings opportunity ? Half your savings track the FTSE 100 and half get 5.3% gross interest. + you get 50% of any capital growth in the FTSE 100
icici bank
Iam considering opening an account with the icici. Iam with ing at the moment been told not to open with the icici by people ive spoken to , their has been some bad things said about them dont no if its true. can they be TRUSTED. thanks peter
Confusion
Having read through lots of different data about savings a/cs etc I am now totally unsure of what I should now do with the amount of money I have. I have a fairly large amount of money from the sale of my property which I intend to use to purchase another property abroad within the next few months. The purchase will be…
Regular Savings?
Both me and my partner have ISA's, into which we pay £250 each monthly. We have an ING account which holds our holiday/christmas money. We have an ICICI account which we have been putting a bit in too. We have about £250 more to save each month and think we need a regular savings account. We hope to invest £250 every…
Bradford & Bingley Takeover Target!
Hi Everyone, although this does not affect me, I have just read coutesy of Sharecast that Bradford % Bingley could be a takeover target by Spain*s BBVA. Which could affect there Shares in the future and Rates!
Best UK savings account interest for non-tax residents
I have instant access savings accounts with First Direct and Intelligent Finance. Both allow non-residents to receive interest gross. IF have increased their rate since the BoE increased its rates, however FD have not. They are now both around 4.75%. I'm looking to shift my money elsewhere but there are not many banks who…
ZOPA.com
Anyone heard of https://www.ZOPA.com, interesting read you chose the people you lend to and get a decent amount of interest ?? Has anyone had any experience with them ?????:confused:
Use my ISA money or take out a loan?
Hi Guys After spending 3 hours reading this website my head hurts! Can anyone please offer advise!! I have an ISA with Royal London (Stocks and Shares - European Growth Trust) which now has a balance of around £9000. I have been putting £100 per month in for the past 7 years however now I need around £10000 for home…
Coventry First account rate increased to 5.46% gross (5.60% AER)
According to Moneyfacts, Coventry Building Society's First (savings/current) account rate will increase, from 5.22% gross to 5.46% gross. Therefore the AER is going up from 5.35% to 5.60% (if my calculations are correct). This should be with effect from 1st December 2006. Coventry First guarantee to pay BOE base rate…
Removed Money From Lloyds Regular Saver...
I took £350 out of it... I'm a bad person :( I really should carry on with it right? The long term gain and all. Matt
Best way to invest for short-term
Hi there, I've recently inherited some money and whilst I'll be looking to use it towards moving house, that probably won't be for at least a year or two. In the meantime, I'd like to put it somewhere that will result in a good monthly rate of interest - around at least 5% but won't tie me down to a scheme for years or…
Monmouthshire BS regular saver rate increased to 6.00%
According to Moneyfacts, Monmouthshire BS will increase their Saver Plus regular savings account rate by a massive 0.45%, from 5.55% to 6.00% (w.e.f. 1 December 2006). - You must deposit between £20 up to £1,000 per month. - Like regular savings accounts from Scarborough, YBS and Bath BS, this account continues for longer…
Best savings account for £110,000?
Hi, I'm asking this question on behalf of someone else: Can anyone suggest the best Savings Account to deposit about £110,000 in? They'd then probably want to be able to make much smaller deposits throughout the year. Or is it better to slowly deposit the money in the account? Is a monthly savings account better? Sorry…
Investing large savings for short term - interest paid monthly
Hi I have just inheritted a large amount of money and am wondering what account would best suit my needs. I plan on paying all of this money into my current mortgage at the end of July 2007 (where I will not get charged for doing so) until then I would like to know which of the banks offers the best interest rates (paid…
1500,2000 to invest
I know its the same old question but i dont want my money to lie in a bank and get me interest...No my money wants to develop and grow and help others not the banks! any ideas on growing my capital on a genuine investment that i can work on?? or maybe someone has a business venture that needs a short term boost with a…

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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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