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. See the Community Noticeboard for more info. 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 May 2008

Money to Invest - Where?
I am inheriting around 7K from my nan in the next month or so. I want some work done to the house but not for a while so would prefer to invest for the time being. I already have an ISA that I paying into so and therefore cant use that. I would prefer to be able to get good easy access to the money as and when I need it.…
Principality Building Soc - Retrospective reduction in Interest Rate
On 30 May (yesterday) I received an e-mail from Principality Building Soc stating that with effect from 1 May the interest rate on my E-Saver account had been reduced to 5.75%! While I fully understand that variable interest rates can and do go up and down, surely the Society cannot do it retrospectively? I have sent the…
The £3000 hot potato
I recently put £3k in an isa with egg. Having set up wit the required £1 minimum stake, I waited a little while, then sent another 2999 to get to my maximum. I make the mistake of assuming it's all fine then look at my HSBC account and see that the cash has gone out, but a couple of months later when I contact Egg they say…
Banks.......
Hi all, With regards to RBS, HBOS, etc, and their rights issues, do people think that Barclays and Lloyds will follow suit. I've got shares in both and not sure what to do. Cheers, Bill.
2k in a pension from 4 years ago - can I get the money now?
Hello I paid into a pension about 4 years ago with Allide Dunbar and wondered if there was anyway of getting to the money (2k approx) - I wont be paying into it any more and could really do with the money! thanks ;0)
Who Has The Top Paying 12 Months Bonds at the Moment??
Hi, I've got 5k in a YBS regular saver (currently at 6.35%, I think) and I'm looking to shift it to a 12 month bond. I've been looking at the Nationwide eBond. Can anyone tell me what are the higher paying 12 month Bonds at the moment? Is there a link on this site to the current top payers like there is for the top ISAs…
Endowment help....
I have an endowment and not sure whether to surrender or not... We have other means to pay off mortgage so that is of no concern. We intend to use money for a big holiday in about 5 years. Details are: Company: Norwich Union Conventional with-profits minimum cost endowment policy Started Jun 1987, matures Jun 2012.…
Is Sainsbury part of HBOS group in respect of FSA £35k guarantee?
Is Sainsbury part of HBOS group in respect of FSA £35k protection/guarantee for savings account ? Looking at the table provided by Martin - http://www.moneysavingexpert.com/savings/safe-savings - its standalone, however, I understand that Royal Bank of Scotland runs the Sainsbury savings account. Can someone clarify.
Advice please
If I loan my son an amount 56K and he agrees to pay me back (with interest) at so much a month is that classed as an investment? Would that be regarded as income for tax purposes? He will be paying me back at about £380 per month. I have already been talking about the wisdom of it all in the Silver Savers thread and now…
Barclays failed to open tax haven ISA
Hi, Not sure if this is the right place to post this but here goes. If it is not if someone can point me to the right place thanks. Just had a letter from Barclays about our Tax Haven ISA applications. Basically they have said they did not managed to open the accounts in time and now can’t open the accounts for the 07/08…
Stroud & Swindon - won't accept their own cheque !!
I have an account with the Stroud & Swindon BS. The interest rate on this account has been cut twice this year, so decided it was time to move it. S & S have another account with a good (better) rate of interest - but it says "no transfers from other accounts". I was informed that this included me closing the other account…
Intrest question?
:confused: Ok, In advance, this may sound a little dumb, and probally a really simple answer to the question .. it's just i don't know it :o I have a Barclays easy saver savings account, Last month i had £7429.48, and got intrest off £16.12! This month on the 12th I put another £1000.00 into the account, then on the 30th I…
Viewing up-to-date interest rates on accounts
Could anyone please explain to me why it would be so difficult for Banks and Building Societies to display the current interest rate on each of your accounts when you view your on-line balance or statement? :confused: It seems to me that this is the second most important piece of info you need (next to the actual balance).…
Fund data - where can I get it?
I'm looking for a web site where i can get the historical daily prices of various funds. Most sites i've seen show the data in a graph, but i'd like to see the data underlying this for use in my own spreadsheets etc. Can anybody help? Thanks in advance, Pete
Saving strategy
Hi, Could someone please explain and give me pointers on the technique which will maximise the amount of interest I can get from my earnings. I quickly filled up last years and this years ISA allocation in April thanks to advice from here, so I have the alliance leicster 10% ISA. But I have my salary going in to a bog…
Learning about investments
I know enough about isa's and paying off your mortgage etc. but I don't know much about investing in the stock or commodities market. I was hoping if somebody could point me in the right direction to where I can learn about different types of funds, how to make money from the rising price of metals oil etc. Cheers
Icesave - less interest this month.
Only 35p but I have £300 more in there than last month. Anybody know how this could be, has the rate dropped? Easy Access account
HiSAVE Savings Account
Anyone bank with them. Would you recommend them or not. Thanks.
Confusion over Nationwide e-Bond
Hello, I have £1,000 that I'd like to invest and have opted to put this in a Nationwide e-Bond. I'm a student and don't earn enough to pay tax, so by completing an R85 form and not being taxed on this amount, I think it works out more profitable for me than an ISA. Assuming I am right, and assuming that this is indeed a…
childs saving account
sorry i do not post on hear much but am a regular reader. this site has been very helpful to read, i am just sorry i am not knowledgeable to post advice myself. My brother and his girlfriends baby boy is due in 6 weeks time, i would really like open a savings account for the baby, i was wondering if you guys would be able…

★ ★ ★ 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