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Savings & investments

Archives for December 2009

Buying TSB Shares
I am asking for some advice on behalf of my mum. She wanted to buy the shares that were offered recently. She received her cheque back as it missed the deadline , got 'lost' for two weeks. That is a difference story. She spoke to someone on the number on letter who said that there was nothing they could do about missing…
tax credit on shares
Mum in law died recently and am just filling in a tax form. It asks for dividends and tax credit on shares. I know the net amount for each share dividend paid into her bank account since April but am not 100% sure how to work out the tax credit and don't want to ring the share registrars unnecessarily. I think its 10%…
Where's best to invest?
If I wanted to invest £20K, with of course, the intent of combining the best interest rate and the safest investment, where would be the best place/organisation to do that?
Money Paid into my account that I wasent expecting!
I've just got my bank statement and over 2 days I have been given the sum of £2,800 (roughly) from a name i've never heard of, assume it's a company but not much on google to back that up. What's the legal standpoint on things like this? is there anything stopping me from taking all the money out, shutting my account down…
L&G Growth Trust
Hello I was wondering if anyone could give me any thoughts on an old S&S ISA I have that I no longer contribute to. In short I could take the money out to pay a bill about to come due or take a few more months and pay it off slower and keep the account going. The fund invested in is L&G Growth Trust (R) (Morningstar info).…
Hedged GBP Bonds
Hi All, Any thoughts on the difference between GBP Bonds and Hedged GBP Bonds. Consider the following two funds 1) Franklin Templeton Global Bond A Dist GBP H1 (Hedged) - The performance of this bond over the past 1 yr is 18.51% 2) Franklin Templeton Global Bond A Distribution GBP - The performance of this bond over the…
Halifax Guaranteed Investment Plan
Does anyone know why these are no longer available. I took one out last year, for 5 years and have been told by a Halifax advisor I can cancel it, without penalty and put the money into something else. Would be grateful for any advice.
Saving for a Grand Child without them knowing
Hi All Question given to my by the Mother-in-law (So help me please!) MIL, does not speak to parents (my OH's Brother and his wife) of her grand child, but she would like to save effectively for her a variable amount as and when she can. She was told that to have the account as tax free (because it is for the child) she…
Recieving a large sum of money soon - What to do with it?
I'm wondering if anyone can give me some advice. I'm due to be getting a lump sum of money next year, about £30,000, from my parents' house sale. A few years back my half sisters recieved the same sum from the sale our mother and her ex-husbands house, and my Mum felt it was fair for me to recieve the same once they had…
Question about Open Offer
Hello, I hold shares in a company that are currently worth around 90p each. I received a letter saying that they're looking to raise funds and offering shareholders the opportunity to purchase 1 share for every 10 they own at a rate of 70p per share. Am I wrong in my understanding that I could buy these shares at 70p and…
Unit trust price
Hi I have a life policy that invests in unit trusts and is due to mature next year, I would like to get a rough idea of the value but being a complete knob in these matters I cannot find the price. The fund is "aegon uk, equity growth income units" Can someone please point me in the right direction. Chubb3g114:confused:
Question of the week: Unrecorded credit searches
Q. My credit report shows searches for saving/insurance quotes, does this affect my ability to apply for credit? A: Not everything that appears on your credit file is visible by lenders. Some savings providers and insurance companies carry out a quick credit check when they provide you with an account or quote, usually to…
Junior Saving Account
Hi Everyone My Kids (15 and 13 - soon 14) both have Abbey National Action Saver accounts with around £1000 each. These currently earn about 0.5% interest. Does anyone have ideas about the best place they could put their money while still being able to get access to it. Cheers Tony
One off share deal
I have some shares I want to sell shortly. I'd previously used Lloyds TSB on line (in 2006) and this was fine with no problems. Basically I want to sell once the shares reach a set price or as near as (which they are close to now). It should realise no more than £14K. Can anyone suggest a dealer please. KB
aa savings and tesco internet saver
I'm looking to open one of these accounts. I know that tesco has faster payments out but the AA doesn't. Does anyone know how long it takes for the money to get transferred from the AA account to a current account? I'm curious to know which bank provides the savings for the tesco internet saver account as I cannot find…
Fixed Term Savings please help!!
I have a fixed term savings account but my circumstances have changed and I desperatley need to take the money out. Is there any advice anyone can give me about how to do this??
with-profit funds tax-free savings/investments
Been searching the main site and the forum but couldn't find anything that appeared relevant. Saw a flyer from nationalfriendly.co.uk in a Waitrose mag and thought this sounds interesting but I'd better check with the MSE wise people. They tout a tax-free savings plan but I think it's a hybrid between savings and…
X - 0 Share Dealing - Good broker?
I've been looking for an online execution only broker and have come across X - 0 Share dealing. They charge £5.95 per trade which sounds very competitive, but also a £15.00 to withdraw or transfer shares. Can someone explain what the second part means? I.e. does it mean that I have to pay to cash in my shares? I am a true…
Lost money on shares what to do?
Not sure if I can ask this here, but have no idea what to do, I have lost nearly £4300 share value on Future PLC shares I bought about 5 years back, I thought I was buying value when they dropped from £8 to below a pound and bought at 0.92 , now they are worth 0.17:( I have been hanging on to them for over 4 years now…
Euro Exchange To Sterling
I was given 600 Euro as a present, where would be the best place to change it into Sterling?

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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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