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Savings & investments

Archives for April 2010

SHORT BP (and go long detergents)
BP is going to the cleaners ...shame about the Gulf of Mexico
Spend it now... because in 3 years it's value will halve
work it out
posted over 2 years ago
13-03-2008, 5:31 PM State pensions to be linked to earnings not inflation...I wonder why ? No prizes for this one Answer: It is common sense. In this global economy Chinese,Indians and others will do the same jobs for less. Even the public sector, which is reasonably protected as it is difficult to outsource, is starting…
Harlequin Investments
A friend of mine has been to a seminar at Wembley informing her of the benefits of investing in Harlequin Resorts - Buccament Bay. Another friend has become an agent for the scheme and is encouraging her to invest. My gut instinct is to say not to get involved - but has anyone else had any dealings with the company and has…
Halifax Chops Fixed Rate ISA`s
Halifax FIXED RATE ISA SAVER reduced by 0.25% w.e.f. 30.4.10. 1 Year: 2.25%. 2 Year: 3.25%. 3 Year: 3.50%. 4 Year: 4.00%. All other terms and conditions remain unchanged.
Best savings account with best return
Hi I have managed after a lot of hard work save £7k after paying all debts off and being debt free, now just as I have done so my flippin savings account is literally not paying a cent in interest. Where can I put this cash to make some money on it please?
Lump some for 3 year old
Hi, My 3 year old has inherited £20,000 and at the moment it is sat in a low interest savings account in my name. What is the best option for some long term savings for her? Thanks
How best to invest 5000 pound's
I want to put this much away for my daughter who is 14 year's old. What would be best to do with the best interest ? Thanks x
Yorkshire BS Protected Capital Account - question
My mother (79) has just converted her isa into this account, having been offered a coffee by the adviser. She doesn't understand it..... she said the girl was very helpful though. It effectively ties her funds up for 5 years and now that I have asked her to send the paperwork to me I am concerned that it quotes "Early…
AA Internet Extra - Faster Payments?
Hi guys Does anyone know if the AA account Martyn has highlighted in his e-mail allows Faster Payments to and from it? I have followed the link here and am none the wiser: http://www.theaa.com/savings/savings_calculator.jsp Thanks I
Stocks and Shares ISA Transfer time??
I am about to transfer my Stocks and Shares ISA from Edward Jones to Hargreaves Lansdown and have received a letter today which quotes >50 days to complete the transfer. Can anyone advise if this is a typical transfer time? Thank you in advance. Robert
We got £1 per £1000 interest :(
Hi, My husband & I both have cash ISAs with the Halifax which we've had for a few years. The interest was ok before but if they sent us a letter telling us that the interest had dropped to next to nothing, we mustn't have read it. I really want something similar, I know it sounds silly but I do prefer to have a book but we…
Halifax Hacks WebSaver Extra Rate to 2.6%
From today,the account that M.Lewis recommended in this week`s email has already been hacked from 2.8% to 2.6%. :mad: Martin did say to keep an eye on the account because it was a variable rate, but for Halifax to chop so soon after is reprehensive. Yet again Halifax have chopped saving rates. Interest rates (AER)…
Early severance
I have just taken an early severance package of 3 yrs wages approx 87K (tax to be taken out yet) and also have the option of an actuarially reduced pension. Lump sum 18K and 6K a year now at 51 or 32K and 11K a year at 60. I also have 240K in a year bond with nsandi and about 50k in other small investments. Should I lift…
Corporate bonds savings
I have £10000 to invest and its been suggested to me by a finanecial advisor that I put it into corporate bonds and gilts, not sure as to what to do , any advice please:cool: I dont pay Tax
HSBC World Selection Fund
Hi there, The wife and I are looking to invest our stocks and share isa allowance of £5,100 each into the World Selection Balanced and Dynamic Funds. I have read some views on these funds on this forum some time ago. However does anyone any advice on Comparable (if not better) fund of fund options. We both currently also…
5.4% tax free saving.....No Martin
......Martin as someone who campaigns for clarity in financial services I feel it is rather misleading to imply an annual return of 5.4% net ( re ns&i index linked accounts) based on one months figures (march 2010) when the actual return is based on the difference between the rpi index at opening & at closing (after 3or 5…
new account for 16 year old?
looking for advice please. My 16 year old will be continuing in full time education in september and I believe he may be entitled to claim Education Maintenance Allowance. I would like to get him to save this. Are there any good accounts for this or are any banks / building societies offering incentives to children for…
Employer ShareSave ??
My employer recently started a new share save scheme where I can contribute up to £25 of my salary into this pot. Does that count towards my ISA shares allowance each year?
A Company Bonus in Shares - how best to save ?
My wife is about to receive £2,500 in her companies shares as a bonus, how best should these shares be saved ? Can we make or save money by putting these into a Share ISA (in her name) rather than just leaving them until we are ready to sell them at the right price ? If we put them into a Share ISA do we have to leave them…

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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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