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Savings & investments

Archives for November 2009

Lloyds 37pence right issues
are these a good idea? can't see anything bad, as long as they don't drop any lower. questions: 1. can one buy into them and sell them the next day at market rate and get a profit? 2. can one buy into them say 100 shares and then next day sell 50 and keep 50 etc.?
Investing in Wine
Good evening folks, I come seeking some advice regarding investing in fine wine, first off a bit about my situation. As of now I have about £1,000 a month to save with the aim of getting myelf up to around £10k by August/September next year for a house deposit. I have absolutely no experience of investments. I made the…
current account with saving option???
ive recently heard from a friend that some current accounts have an option where every time you spend on your card, for example £9.90, that the account rounds up the remaining to the nearest pound so in this example 10 p and instantly puts this amount into a savings account. has anyone else heard of this? and does anyone…
trust fund where to bank it ?
my friend has a trust fund set up..but the solicitors still hold the money ( from a accicdent ) she has been told to open a account at a bank..but wondering which one, would offer the best return ? or best bank to deal with ? thanks.
Bristol & West Confusing Share Dealing Letter
As a small shareholder in Bristol & West, I today received a letter from Capita Registrars enclosing a Share Dealing Form and a Crest certificate. The impression given is that you are required to sell your shares and only in the final paragraph of the share dealing form does it state that "this is not a recommendation to…
Just received £15k windfall
Hi there, I'm a student and have just turned 21 and received an unexpected windfall of £15,680. At the moment I've just paid the cheque into my Nationwide FlexAccount but obviously that offers next to nothing in terms of interest as it is a current account. As things stand, I have no current investments; I just read the…
Getting rid of shares
Some years ago, I bought a small number of shares in a few firms, in the (mistaken!) belief that, by receiving their annual reports and attending their AGMs, I could affect how those firms behave. Now I am fed up with having to enter on my tax return the small dividends I receive from these shares, and I want to get rid of…
Advice on Natwest Online Share Dealing!
I have opened an online share trade account with my bank. I deposited £150, but it would only let me invest £75 in my chosen company shares. Why is this does anybody know? :confused: Thanks!!
Abbey gone into meltdown with new security features?
Logged into my Abbey savings accounts online today and went to send some money to other banks, which I do every month, only to get an error code. Phoned up tech support to be told that this is an issue with many people's payments, due to some charcters in their existing payment setups. This is a result of their new…
N&P Regular Saver Sort Code
This maybe a daft question.... but is the Sort-code for N&P regular savers 08-60-81? I have lost my initial letter, and am trying to set up a SO, but obviously dont want the money to disappear into thin air! Sorry if the answer is obvious... I have looked at the N&P website, but no clear answer was there.
Going abroad - where to put savings?
Hi there, In February 2010, I'm moving to Australia for 1-2 years. I've got about £17k in savings, and would like to know what I should do with it whilst I'm away? It's likely that I'll be outside of the UK for the entire 2010/11 tax year if that makes a difference? Thanks!
money saving ideas you wished you started earlier.
this year i have managed to get a handle on my finances and start saving more than i have before, so it got me thinking, what money saving things do you wish you started earlier. for me the things i wished i did earlier were 1.join a cash back site (quidco in my case) as all the cash back i earn is fed into savings…
Sainsbury's Online Saver
Hello, Has anyone else had any problems with trying to call Sainsbury's 0500 number? I need to know how long it takes for them to return important ID documents but cannot get through at all. They want you to go online but when you ask the question on there instant messenger it comes up with some tripe about loans?? Can…
best high street savings account
What is the best savings account offered by a high steet bank? Preferably one with lots of branches (not britannia etc) I want an easy access account. Thanks
Tesco Internet Saver
Hi Ive grown to like this account especially its faster payment utility a great account for doing the money transfer shuffle. However im unsure of the current rate of interest on this account. I no the bonus rate of interest was for 1 year initially but seem to remember this may have been extended. Im getting conflicting…
Protecting Against Inflation
If I want to protect the value of my savings in real terms, what's the best way to go about this? Can it be done by simply putting money into one of the RPI-linked bonds that NS&I offer? Are there are good,cheap and easy ways to do this by putting money into other low-risk investments?
Silver and Gold as Currency! By Dr Jeffrey Lewis
It has long been said that an ounce of gold will buy a custom tailored men's suit. In the 1930s, an ounce of gold cost $35, and a suit was nearly the same price. Today, gold trades for $1150 and a custom suit does as well. Even thousands of years ago, the best clothing cost one ounce of gold, or 15 ounces of silver. The…
Jim Rogers: Gold Price to Double in Coming Months
The rally in gold prices has driven several bullion analysts to frenzied forecasts. Some say gold prices will reach $2,000 per ounce soon. Others are predicting big boom for the yellow metal, saying gold prices will zoom to $5,000 and eventually to even $15,000 per ounce in the years to come. What is happening in bullion…
best place to put xmas club money
my dad runs a xmas club by the time it has to pay out it has about 65000 pound in it were is the best place to put it for intrest
Birmingham MidShires warning
Please be aware that the withdrawal terms noted on their website are incorrect - and they know it. I called them on Saturday 28 November and they advised me that the correct terms (for a 5 year fixed term bond) are 365 days loss of interest; not the 90 days loss of interest stated on their website. Very dishonest IMO.

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MSE News

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.
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 Payments 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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