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Savings & investments

Archives for March 2009

Nationwide e-savings down again
I was disappointed to see that Nationwide have again passed on the whole of March's BoE base rate drop, meaning that we now earn 0.45% on our savings. The good news is that Nationwide still think this is a good rate. Well I suppose it is, compared to stuffing the money in a cardboard box :rolleyes:
Children's savings and parents' mortgage
Hi, My children's savings (not a huge amount) are in Dunfermline BS accounts, and our mortgage is with Nationwide. With the DBS now being part of Nationwide, *if* Nationwide were to collapse (okay I'm in the hyper-hypotheticals here!) would our debt (mortgage) be subtracted from their savings (effectively wiping out their…
Interest rate lowered to 0?
I can see the interest rate being lowered to 0 % (hopefully no further cuts) but do you think that is likely to happen next week or will it take a few months? It's possible it wont fall to 0 but I think it will.
A&L Esaver stay or not?
Hi all, Im not great with interest and how money all works :P but looking at MSE a while ago I opened an esaver account with Alliance & Leicester. My account has £7k in in it and i dont pay tax (not working enough for tax as im a student :) ) on 1st October 2008 i was paid £35 for that month in interest £38 in November and…
Premium Bond Calculator Discussion
This thread is specifically to discuss the Premium Bond Probability Calculator itself It's been updated with the new £25 prize and other April 2009 changes To discuss premium bonds themselves, see the Premium Bonds: Are they worth it? Discussion linked from the Premium Bonds: Are they worth it? Article To take part in this…
no savings
Hi all, would like to ask for advice from you, First of all I am ashamed to say we have NO savings at all, Apart from works pension (we are in our 50's) also we have a mortgage, but no big debt, So what I want to say is that we are going to try real hard to start savings this year!!!!! So what do you think isa or what and…
Earn 3% interest from ScottishPower
ScottishPower are offering to pay customers 3% on all credit balances between £100-500 Better than some savings rates that many of the banks now offer and its probably got a better credit rating than most of them as well! Good way to make your money work for you but no benefit after the £500 limit
Close Brothers 4.3%- 2yr Fixed term deposit
Close Brothers have announced this 2 year fixed deal. It may be of some intererst: Our new 2 year fixed term offer pays 4.3% gross p.a./AER* for sums of £10,000 to £10 million and is available from Saturday 28 March to Wednesday 8 April inclusive. We would need to receive your signed application form and your payment for…
Anyone have historic Nationwide e-Savings rates?
Anyone here have the historic interest rates for the Nationwide BS e-Savings account? For the last 12 months if poss. Their website only has these last 2 changes 1st Feb 1.45% 1st March 0.95% Thanks
Got close to £10K. Never invested before, options please?
Hello I've got close to 10k and now looking to invest to maximise interest. I've only ever had a current account up until now so don't really know where to start. Ideally I would like access to my money IF I need it, however, if the returns are substantially greater by leaving the money untouched mid to long term then I…
FTSE All Share Tracker
I want to invest £1000 in a FTSE All Share Tracker for a few years. What's the cheapest and most simple way to do this? I've looked at Fidelity: F&C FTSE All-Share Tracker 1 Inc Will the only charges be 0.3% a year? Are there taxes on profits? Can I use an ISA to avoid this? Are there any other good companies that offer…
Scottish Widows Regular Savings Plan
I started a very small 15 year savings plan in 1997. Just putting away £40 a month as I knew I wouldn't miss it. The value of the fund in Nov 2007 was £5,444 and today it is worth £4718. Do you think I should ride out the storm and wait until the maturity date in Nov 2012 or withdraw the money now? I'm hoping that they…
opinions on funds
Hi folks i'm desperately trying to get some opinions on these 2 funds, i dont want advice on what to do just opinions on the funds, i'm looking at moving 50% out of 2 distribution funds into these as a "safer haven" they are http://webfund6.financialexpress.net/clients/standardlife/fundFactsheet.aspx?type=retail&code=OW26…
what account?
First post in here, im currently remortgaging my house for improvements and other things, i will have about 65,000 pounds for the for this and will need it has and when i need to carry out the improvements, is there a account that i can use, gain interest and withdraw at short notice? cheers in advance.
Best rate for redundancy lump sum that allows frequent withdrawals
Hi, I am losing my job in a few months. I will receive a 5 figure lump sum which I will need to live off while I find another source of income. After I have used my ISA allowance I want a savings account that will allow me to make monthly transfers to my current account in order to keep my Direct Debits operational. I also…
Index-linked Savings Certificates
With growing speculation that inflation will hit hard over the next 12~18 months, are Index-linked Savings Certificates with NS&I a good option if you have savings that can be locked away for a few years? I have been looking into this but its all new to me, can someone advise me of the pitfalls, what are the possible…
FSA proposes £500,000 savings protection for some
This thread is to discuss the following news story: FSA proposes £500,000 savings protection for some
Tesco interest due ?
Anyone had theirs yet as mine is not showing online ????:confused:
Liverpool Victoria tax free savings plan
I have one of these save £15 a month in it, is my money safe? Should I think about trying to cash it in? Is this climate is it going to make a return on my money, had it going for 4 or 5 years now.
Nationwide e-bond and e-saver interest?
Any experiences? Nationwide e-bond monthly interest gets paid on the last day of the calender month, is it at or after close of business on the last day, or any set time of the day? When does interest get paid on my e-Bond? Interest on six month e-Bonds is paid on maturity or monthly on the last day of each calendar month…

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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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