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Savings & investments

Archives for March 2009

Mistakes in investing!
What are the biggest real estate investing mistakes?
Cautious to Balanced ?
Just received my annual statement from my IFA:eek: Down down down Not happy with alot of things my IFA has done for me and i know the market is down in all areas and accept the loss but belive it could have been better spread with small personal details we were not told about or warned about. My factfind (summer 2007)said…
what will be my tax liability??
hi all and be gentle im new lol. ok so on the advice of a good friend i have bought approx 10k of shares over the last few months in a company. now lets say i bought all my shares at £1 each and i sell later this year at £10 each. at what rate do i pay tax on my gain?? also i was advised today by my bank to move some over…
Do people really have money Barclay's Cash ISAs?
"Rates from 0.10%" Max rate is "0.31%"!! Only 0.19% below the base rate. Good god. At least !!!!!! Turpin had the decency to wear a mask!!
ING new HIGHER rate for new customers
A bit of good news for anyone looking for a new home for variable rate savings - ING have increased their bonus to new customers so they can earn 3.0% AER for a year. see http://www.ingdirect.co.uk/savings/our_savings/about_our_savings/aboutoursavingsaccount.asp
Yorkshire BS interest rates down
I see YBS has reduced the interest rates for e-ISA and Internet Saver accounts. Effective 29/3/09.
Principality Building Society - 2 Year bond @ 4 Percent, What do you think?
Principality Building Society - 2 Year bond @ 4 Percent, What do you think? Is this a good deal for the over 50's please, in todays marketplace? Thank You for your help.
Monthly Savings query - confused about how they work
I would like to open a monthly savings account with Barclays. I will open it sometime this month, and the 12 month period will end on Mach 2010. I will be saving £20 per month. I don't understand fully how they work. After the 12 month period, it auotmatically converts into an instant access savings account. If I want to…
Barclays 6% Monthly Savings
Is this another Barclays account made to look good rather than actually being of real benefit to the customer? While the interest rate is fixed and very high, you can only invest ￡240 to ￡3000 in using 12 equal monthly payments and at the end of 12 months the interest rate will drop significantly, as it will if you make…
Close Treasury - 4.3% 2 year fixed rates - until 8/4/09
Had an e-mail about this, thought I'd share, couldn't see another thread mentioning this deal, if so please merge. http://www.closetreasury.co.uk/premiumgold/
Nationwide buys much of the Dunfermline BS
This thread is to discuss the following news story: Nationwide buys much of the Dunfermline BS
Looking for FTSE100 tracker with low charges
I was thinking of investing around £3000 as a lump sum in a FTSE100 tracker fund (ideally as an ISA). I know there are quite a few mainstream companies offering this for an annual management charge of 1% but does anyone know of any providers who would do this for less? Any suggestions would be much appreciated. Thanks, Andy
The future of the Pound
Do people think that the Pound will recover from its current slump at the end of 2009/early 2010 or are we seeing the end of the Pound as a strong dominate currency?
Halifax Guaranteed Saver transfer time
Hi, I've got the Reward version of the above and transferred a chunk to my Halifax current A/C online 1st thing Sunday. Noticed a message saying it can take up to 48 hours - was not expecting the delay. Nothing has happened 24 hours later and nothing shows to indicate anything is pending. Anyone know how long it normally…
Chelsea Fixed matured now where?
My Chelsea Fixed rate (5.35% net) matured last week,they offered 2.37% net so I had planned to shift it to either BM fixed @ 2.97% net or Abbey/ Aliance who offered 3.15% net, I withdrew the cash to my current account but both closed the accounts before I could get them open, now the best I can find is Nationwide at 2.60%…
Exposure to Asia required.
I have 6k to invest in Asia which will be part of a balanced portfolio. could someone recommend the best way ie: fund, ETF, trust, companies, or a split between these, drip fed or lump. I am looking forward to any feedback.
cahoot saving rate drops to 0.50%
Just got a email to say cahoot has dropped its saving rate to 0.50%, it is not showing on the website yet.
Funding my Barclays monthly saver
I've currently got a Barclays monthly savings account, that is funded via a standing order from my First Direct current account. However, they have not implemented faster payments for standing orders, and at present it takes 3 working days to simply shift funds from that into the monthly saver, and as my SO date is on the…
distribution funds
whats peoples opinions on these funds at the moment, how do you think they will fare over the next 12 months or so? thanks
Close Forum Threads Between 3rd and 5th April
How can you schedule things this way? Aren't these the busy dates for discussion on savings and investments affairs!

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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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