We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Savings & investments

Archives for August 2007

RBS / Natwest Share dealing account
Has anyone used their share dealing service? It seems that it is the one bank that offer stock purchase from a wide range of stock exchange from europe, asia, US and canada. Some small prints point out that it is partnering with TD waterhouse on the service. Anyone has any comment on that? I am actually looking for a…
Investment Trust
I am always curious about how one values an investment trust and when it becomes a bargain. Do you compare the discount against the NAV? Do you look at the P/E ratio knowing that there is not much earning other than the growth in share price within its portfolio? Is there any other ratios and figures that we look into? How…
help with saving please
hello ive just had a windfall of 7000 pounds on the lotto hotpicks and thinking of investing in premium bonds anyone got any better ideas? thanks for your help guys :beer:
Student Savings Best Way to Save Money
Hello, I am starting my first year of uni this September and I have opened a student account with the Halifax. I will use this account for holding my day to day spending money as well as direct debits for gym membership ect. However, whilst in uni I will be working for about 15 hours a week. I have decided to save up about…
10 year plan, suggestions
Evening all, I am currently 38 years old and paid off my house at the start of the year. I am currently setting my mind towards the next goal which will strech me a bit, the goal is a 10 year 1/2 million plan. I am in a position where i can save £1,500 to £2,000 per month and once per year a £20,000 lump sum. If no…
Birmingham Midshires 6.3% Savings Account ("Online Saver")
I don't think anybody has reported this account before - I cannot find any references to it searching previous threads. Birmingham Midshires have an online savings account paying 6.30% - see here. Unlike their "WebSaver" 6.20% account, this rate is not inflated by any introductory bonus. It seems to operate like the…
A Word of Warning Chelsea Building Society
I do not bank with them. They recently launched a Call Direct 30, table topping rates as per usual. This was a 2nd ISSUE, they now have closed this account to new customers, SO BEWARE THE RATE WILL DROP, I SAY WILL DROP!!!!!!!!!!!! They have launched a 3rd edition, of this account WHY i do not know, it is no different,…
HSBC Regular Saver Account, is the interest applied correct?
Hi newbie here, hope someone out there can help??? I've just completed a 12 month Regular Saver account with HSBC. You know the one 8% AER interest (approx 6.4% net). I paid in £250 per month x 12 months Totalling £3000. I didn't make any withdrawal in the period and followed all the rules. I've just had the interest…
Monthly Income from funds
Hi everyone,I'm very very new to this investing in Funds business, but I have been thinking I would like to invest mainly for monthly income, and hopefully some capital growth. With Hargreaves Lansdown, they have some funds that pay dividends monthly and you can invest £50 monthly into these. I was just trying to work out…
ok i admit it ... i dont know what im doing
i got a 40k pay off today from my service career , i still have my isa allowance for this year , and my wifes ... im planning on using the 6k on a ns&i mini cash isa ... i have 12k on the stock market so i dont want to really use it on that directly ... and was thinking about a geb ... which ive now heard is a rubbish idea…
Help Needed for a youngster
Hi there, I am 16, and i started full time work about 2-3 months ago. Because i am 16 i am no out goings so there for money in the bank. I dont want to spend this money but invest it and make some money for my self, i have always wanted to be sucesful and by using the money i have now i understand that i can build and…
confused now .. is this the best bond
this is right at the top of this site after i searched for growth bonds ... but it doesnt give the rates .... are the halifax the best http://www.moneysupermarket.com/savings/SavingsResults.asp
Nationwide launches range of Fixed Rate Bonds paying up to 6.70%
Full details here: http://www.nationwide.co.uk/mediacentre/PressRelease_this.asp?ID=1060
EPOA Savings Accounts
Hi I have recently got enduring power of attorney for my father. He has his savings in ING but they will not accept POA transactions, also I am trying to get a more favourable account. I applied to Icesave but they too will not accept POA transactions. Anyone know of a 'decent' savings account for only £6000 that I could…
Advice wanted in regard to Share sale
Hi,would any body with legal knowledge care to advice me? In 97 a share save scheme I was in matured and I was given some stock in the company I worked for.My intention was to sell them all,when I mentioned this to a client he offered to buy them.So being green I gave him the certificate and he paid me what they were…
Saving accounts, Which one????
Hey, I'm in need for some advice. When I graduated last year I recieved some money, £3500. I decided to save it in a Nationawide bank account, a fixed rate bond. However I am looking to reinvest the money in a different account, but I will only be putting money in once and letting the interest add up, I am hoping to use…
Bank account Savings helpe
hi , can i anyone help me , well my mother really. She is 55 and currently works part time, and has around £27,000 in her bank account ( natwest paying next to no intrest) , she wants to know where best to invest / save it. The problem is she wants a non web based internet account ( she would like to be able to go into a…
Best way to save?
Just wanted to run this past some savings experts. I have just under £5k coming in three lumps over the next year (student loans/grants) - these aren't needed so I want to save them long term. Plus my student overdraft (£1k - £2.5k not sure yet) which will be saved while I'm a student, but I don't want to lock up anywhere.…
Old Mercantile and Universal Accounts
Hi, I am still trying to sort out my money, and my latest method is making sure I earn interest on our savings. Can you give advise? I had an old Mercantile Moneymaker plus account which looks like it pays either 1.80 or 2.05 percent gross a year for balances greater than 2K. They got taken over by Leeds last year, but the…
PORTFOLIO Service,shares & funds
Does anyone know of an easy to use portfolio service that updates fund and share prices. The one I use currently is difficult to use in that it does not always take me to the page I have requested. The only other one I know of iii.

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Savings & investments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Savings & investments

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free