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Savings & investments

Archives for November 2009

The fate of Chelsea Building Society is decided this week...
The fate of Chelsea Building Society is decided this week... (I know its a daily mail link, but regardless they will be announcing their future plans this week, so just using it as a jumping board to give anyone some background information)…
First Direct e-Saver account - Savings Balance Transfer offer
I'm in the process of switching my current account/e-Saver to First Direct and have already moved my (meagre!) savings into the First Direct e-Saver. Looking at what they say on their site about their Savings Balance Transfer (SBT) offer, the extra 1% interest is payable on funds additional to the balance on the day the…
Legacy query
Hi My son has been left a decent amount of money in an aunts will.He cant get it till he is 21..(next year )..what happens to this money in the meantime?...does the solicitor keep it and gain from the interest?
Shares after death
Hi all I'm after some advice my grandmother died recently and after going threw her belongings my mum has found shares. We have no idea what should be done with them. can you change who owns them easily or will they need to be cashed in? I have no idea about amounts or where the shares are mum is pretty messed up and…
Risk Rating Funds
Are there any tools which help evaluate fund investment portfolio's overall risk rating? I understand that there are a several catagories such as Balanced to Adventurous, Adventurous to Speculative ect. I have looked at the tools in Morningstar and Hargreaves Lansdown sites, but cannot find anything
ISA - Re-activation Form
Would appreciate if someone could give me a bit of advice on an ISA question. I wanted to put some money into an old ISA and have had to sign a form to re-activate the account. I then realised that I have another ISA with another bank which have paid into this tax year up to it's limit. I haven't paid money into the…
Applewood?
My sister has attended a seminar with a wealth management ciompany called applewood. She is considsering investing with them. Has anyone any views on this company?
AA Savings account deposits
If I make a faster payment into an AA savings account, how long before the money would show up on the balance? Thanks for any replies. Edit: question answered myself, it was about half an hour. Just confused me for a bit, as all the FPs I've done before have taken just a few seconds!
Spread betting resources
I recentley opened up a spread betting account and wanted to know if there are any good resources but not in the traditional guide sense. I'm looking more for a blog where maybe someone goes through their trades or gives advice based on current conditions. Any good sites?
How can I put a share certificate into an ISA?
My apologies I am aware that the question may sound stupid however these are the first shares I have owned and I'm a bit lost. I have just bought shares in my company under a sharesave scheme. I have received the share certificate and understand that I can put the shares into an ISA within 90 days of the purchase but I am…
Investments for elderly people
My mother is 94, has sold her bungalow and moved into rented accommodation. She has £400,000 to invest. A "financial advisor" is recommending her to put it in bonds, unit trusts and fixed interest. At her age, such investments don't seem appropriate. I have always considered them suitable for 5+ years. My thoughts are for…
Extended settlement offered by Online brokers
Can anyone recommend and online broker that offers extended settlement, such as t+10 or t+20? I already know TDWaterhouse Thanks
Scottish Building Society 3.75% bond
any opinions on this? It:s not on the listings http://www.scottishbldgsoc.co.uk/view_Subproduct.asp?fld_product_id=4&fld_sub_product_id=139
I'm looking for a business savings account
I'm looking for a business savings account with a decent rate of interest. They don't appear to feature on comparison sites. Any recommendations?
Skipton Websaver Instant 2.76%
http://www.skipton.co.uk/savings_and_investments/e-savings/web_saver/ Our simple Web Saver account pays a great rate of 2.76% gross pa / AER variable†, and a guarantee that your rate won't fall below 2.50% until 31 December 2011. With unlimited penalty-free withdrawals and a minimum investment and balance of £500 you'll…
Multiple Savings accounts.
Hi there, I have an IF (if.com) account which I believe are part of the Halifax. I have various savings 'JARS' (Accounts) with them, each have their own name, i.e. Christmas, Birthdays etc. So it's convenient to put money into each jar and I know instantly what the money's for. I was wondering, do the Halifax also do this…
Some advice on savings/lump sums
Hi I am due to receive some inheritance in the next week or so ( yes good to have but would rather have my mum ) Anyway this will give me and my partner a chance to get back into the housing market, (currently renting after divorce) I think after we buy a newer car ( which we do need as ours is 15 years old! ) and pay some…
NS&I Bond - Purchase dates
I've just purchased some bonds online (I think they'll be sending some paper work through for me to sign as it's my first time). When will the next draw be that I'm entered into? Will it be the December draw, or do I have to own them for a month before entering anything?
Please help!!
Hi there, Have looked through some of the forum posts so apologies if this has been answered elsewhere. Basically I am finally in a position to start saving money and would like some advice as to where to do it. I have a lump sum of £7000 and am looking to put aside a further £700 a month. My current account pays 3.1%…
Child lump sum savings
My kids each have £10,000 in a smart account with nationwide which pays next to nothing in interest. I am a bit baffled as to what I can do with it. They know nothing about the money and are not likely to need it for at least 5 years. Would I be better to put it into an account in my name . Hate the idea of it sitting…

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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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