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Savings & investments

Archives for March 2007

Fixed Rate 1 year Bond or Term Accounts
Hi All I am looking for a bit of advice regarding Fixed Rate 1 Year Bond or Term Accounts. My father has £2000 and wishes to invest this in a 1 year fixed rate account. He has already used (or will use soon) his £7k maxi ISA, so who would provide the highest rate for that 1 year? Any help would be much appreciated. Cheers
Shares Advice Please
I have received a voting form for BQT Solutions Australia. I think they bought COMPUSERVE. I can't find my share certificate. What can I do please? I have found a share certificate for MEDI@INVEST for 1062 shares,I wonder if it is the same company?
Quick!! Jessops 90% off Sale!!
Made you look!! Sorry, I meant their SHARE PRICE! 2/1/07: WAS £1.50 27/3/07: REDUCED TO £1.11 28/3/07: NOW ONLY 76P 29/3/07: FINAL CLEARANCE NOW 15p CLOSING DOWN SALE COMING SOON! ROVER AND OUT.... GRABBIT!!! :D Muhahahaha!
Barclays 10% Regular Saver, is this right??
Hi, I setup a Barclays 10% regular saver last March @ £250 per month. I've just received my statement after the 12 months and I only got £67.97 gross interest, £54.38 after tax has been removed. Is this right? after all I've now saved £3000 in 1 year, the average balance over the course of the year would be £1500 which…
Who can beat 6%?
I have £33k to invest and am not interested in shares. I see Halifax have a 5 year 6.06% fixed rate web saver. Can anyone tell me of a better deal and if you have a chrystal ball should I go for 3,4 or 5 years as they all have the same rate.
Where to put 230k short term
Hi I have my deposit for my next house waiting to go somewhere short term.I dont know exactly what , or where to put it.I work overseas , but soon to buy in the uk somewhere in the term of 1-6 months.What can or should I do with it safely. Any Reccs?
BP shares
Whats your feeling regarding BP shares at the moment?
Savings, can anyone help
My partner and I are in our 40's and want to move abroad (Europe) and have £250,000 to invest. We would like to earn enough in interest each year so that we have no reason to worry or work. We will have no debts or mortgage and enough cash to see us through the first year. I have spoken to an HSBC. FA all he could offer…
Spanish Power
Hi, I am still pondering what to do with my Scottish Power shares, before the Spanish invasion, and time is running out. Slightly concerned about CGT. Would I be able to stuff 7K's worth into this and next year's ISA, as a CGT saving shell? If so, what would then happen to my 2 ISA's after takeover, would they be lost,…
Santander (ex Abbey) shares - need to sell soon
About me = I am on an extremely low income and I know next to nothing about shares. I've had 200 shares since Abbey National went Plc and have tried to forget that I have them, otherwise I'll sell them and fritter the money. The last time I thought about selling was just before Santander took over, when they were £12, but…
Regular saving £500 per month??? Pls comment my plan
First please accept my apologies if there is any repetition of my posting with something already covered. This is the first time I come to this chat forum (normally on Boots thread). I have few questions to ask about my saving plan. I am a basic tax payer. My annual income is around 22-25k depending on my overtime working.…
The Kids Money
Well i am new to all this and thought I'd give it a go! The kids are richer than us! what can I say? They have savings and we have always put the child benefit into their accounts as we don't really need to touch it. Now the oldest is 10, the youngest 5 what shall we do with it. its just lay in the Nationwide account - do…
share portfolio software?
Hi, I've recently started trading shares with Hoodles Brennan (http://www.hoodlessbrennan.com/) but their portfolio tracker isnt great, can anyone recommend a good portfolio tracker web based or else? Cheers
7 year old Scottish Widows OEIC help?
My dh took out a Scottish Widows OEIC about 7 1/2 years ago,investing £3,000.(This was in the dark ages before MSE and t'internet!) It is now worth £3,750. Recently it has been doing a bit better but we just don't know enough about OEICs and how they actually work to know whether to get rid of it now,or keep with it and…
Saving for Dad's 60th in 2 years
I was looking for some advice as the best savings option to take. My brother and I have decided that as our dad has been really generous to us over the years we wanted to give him something really special for his 60th birthday in exactly 2 years time. We don't have that much money ourselves but can stretch to both saving…
Investing large sums
Hi all, I hope to complete the sale of my property very soon (:beer:)and wish to wait before re-investing in property. Where would be the best place to put my equity (approx 60K) for about 12months until I am ready to buy more property? TIA GG
Non Tax Payer and interest.
I am a non-tax payer now. And likely to be for some years! I would like my tiny weeny savings to be tax free, but I have a personal account with A&L and a joint savings with my tax-paying hubby with First Direct. Do I have to declare the tax for (R85 is it???) for both account? Would I/We be better off taking Hubby's name…
BOS - Sharesave Account - Your Views?
Hi I'm interested in the idea of this account with BOS. Can anybody relate their experiences of the account? http://www.bankofscotlandhalifax.co.uk/sharedealing/sharebuilder.asp?source=splt
ISA/Savings account? Confused...
Hi all, This may be really stupid of me but I've read Martins articles and am still confused about what best to do. I'm wanting to save a small amount of money (£200-500 a month) and would want penalty free access to it should the need arise. I currently have A & L premier direct current account and a plusSaver though I…
Can you give me some advice? ISAorMonthly Saver?
HI, Can anyone give me some advice on which savings account to use? I curruntly have an ISA with a rate of 5.3% which I ve had for years. Im thinking of opening a monthly saver with my bank with a rate of 7%. I can afford only to pay in £25-£50 a month. Which will earn me the most interest? Thanks - Im not very good at…

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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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