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Savings & investments

Archives for March 2007

Principality 5.60% e-SAVER - 5-day ISO + BACS
Beware internal transfers FROM the recently launched e-SAVER of Principality Building Society apparently take up to 5 banking days to reach any other Principality account. It takes the same number of days as transfers to any external account done via BACS. The Society's Senior Member Services Manager has confirmed this to…
Right! I'm Skint But Getting My Finances In Order!
I've decided (and after listening to Anthony Robbins on cd!) put my financial life in order. I'm still young enough at 35, sensible enough to turn things around (though your frankly never too old to get your finances in order). As a novice in the world of investing I am looking to start a money market account and bonds. I…
£230k to invest.... will need instant access
A good friend is selling his house and will come away with £230k profit, he plans to buy another property soon with ALL this money, but is yet to find a house he likes, he is in no rush to find one as he has accommodation elsewhere. He would like to know the best account to transfer this money too to get a good return,…
Sainsbury's BANK – are transfers same-day from Halifax bank
5.50% gross interest is offered by Sainsbury's Bank (Internet Saver). 5% is earned in Halifax bank for matured funds ex the Regular Saver now in Web Saver (without ATM card version). Anyone here ever transferred funds from Halifax (HBOS) to Sainsbury's Bank via BACS? If so, did the money arrive same-day? Elsewhere AndyR…
Mutual or Not?
Good Morning, Over the last few years I have been a regular contributor to Mutual Saving schemes, particularly the PMAS scheme. Every April for the last six years I have opened a new 10 year scheme, saving £20 a month. At present the PMAS scheme gives a minimum guaranteed return of £2412. If investments grow at 4% my…
Enduring power of Attorney - Investments
I'm not sure where to post this question but here goes. My wife has Enduring Power of Attorney for her father whose house has had to be sold to pay for his care. Does anyone know if there are any restrictions on where she can invest the money and/or advice on the best place for it. There will be a regular deduction being…
newbie to investment
hiya I have already got myself on the property ladder and am looking as investing money else where to make more which is what everyone is trying to do. Just wanted to know where to start really as not sure who to talk to or which company will pay out the best return the quickest. I have heard of a thing called merchant…
Valid accounts for windfall eligibility
Hi, I was wondering if all savings accounts are treated the same for any potential building society takeover/conversion windfall. I've got £100 in Portman BS, so will benefit when that becomes Nationwide. I've also left £100 in an old Nationwide "Cashbuilder" account for many years, paying a poor rate of interest. However,…
New job, what should I do to maximise my savings?
Right I've got an ISA account and a standard hole in the wall acount. There is approx £15,000 in my ISA (4.75interest i think). and a hundred pound or so in my standard current account (very poor interest) However i'm about to start a new job and I intend to save a lot of the money I should be able to quickly add another…
Maturing Regular savers
Hi all, I have a Regular Saver account which I opened on 22 May '06 and also paid an opening deposit. The next payment was by standing order at the beginning of the next month and so on. Now, come 1st April '07, my 11th and should be final standing order will filter through. But with the account maturing on 22nd May '07, I…
Got a Nationwide Smart Account - What happens when im 18?
Hello, Ive opened an Smart account with Nationwide (hoping for the money of freebies in post:j ) and wondered what happens when im 18? In the leaflet it says i go to a cash builder account but when im 18 i want a debit card not a cash card:rolleyes: Does anyone know if you can get a Visa Electron or any other type of debit…
what to do with Eurotunnel shares
An elderly relative has asked me what they should do with some Eurotunnel shares that she was left by her husband... I know they are not worth much and I gather they are still in his name she literally found them in a drawer and there they have stayed . I think there are around 1500 when all the different certificates are…
A&L Premier Direct Current Account
Anyone got one of these can tell me what the Minimum balance allowed is please. I can't find it in the T&C's http://www.alliance-leicester.co.uk/home/pdfredirector.asp?pdfnedstat=currentaccounts.ec03964.prem-legals&pdfurl=http://www.alliance-leicester.co.uk/currentaccounts/ec03964.pdf…
An account for a sixteen year old
We want to find an account that pays a good rate of interest (obviously) for our daughter to open in her sole name (to avoid having to pay tax). She has approx 1300. and we want to add to it each month, however it isn't an account that she will withdraw from. Anyone know of any good accounts out there that will be…
Bradford & Bingley - Ex-dividend
On Bradford & Bingley website it says that they went Ex-dividend on 21st March 2007. If you sell shares now, do you still get the dividend?
NS&I 15 years interest - HELP PLEASE!!!
Hi All, Just a quickie, I found an old passbook for NS&I and I called them and said the account was still open and had 15 years interst to be added on. I know I know, the interest is miniscule :mad: but does anyone have a ballpark of how much the iterst will amount to? I think there was about £100 in there in 1992.. Any…
Help - 100k inheritance and totally clueless!
Hi - I've just inherited 100k from a family member, and need some help investing this. I don't want to tie any money up for longer than 6 months, so ideally want instant access to it (thinking of buying a second home as a long term investment). I have an Icesave account which I'll put £30k. Any other ideas?
Commercial Property ISA. Good or Bad ?
For all you knowledgable people. Commercial Property ISA have done well in recent years i belive.Would it be the best thing for this/next ISAs for Me & Mrs Greenface to put in £28,000 of cash into ? If not what in your opinion would be the best place to put our £7,000 each. And compare the returns we could expect. Many…
Regular savings vs. Isa
hello all I have a lloyds monthly saver paying 8% aer (currently at £750), and i am wondering whether it is worth changing this for an isa paying 6.5% (barclays tax beater) any advice is greatly appreciated.... also i signed up for the lloyds account whilst it was still a 2 year term and have noticed now that it has gone…
LTSB Online Saver rate increased...
I just went onto the Lloyds TSB website a moment ago and noticed that they've increased their Online Saver rate to 5.00%. This includes a 0.60% bonus for the first 12 months.

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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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