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Savings & investments

Archives for May 2010

Overseas Investments
Hello, I was wondering if anyone could give me any advice on overseas investments. We are UK nationals on expat status overseas and have been approached by several brokers selling a "insurance" with friends provident. They are selling it as a savings style investment plan but as we are currently overseas and the plan is…
Dow Tracker
Hi Im new to investing and have already set up a S&S ISA with H L drip feeding £100 per month into HSBC FTSE all shares tracker and I'm wondering if anyone can recommend a good tracker for US shares? Im still in the early days of research and Im looking at the HSBC American Index Accumulation Units, is this a tracker?…
Some help needed please - Halifax Savings & Investments - could I be doing better?
Hi gents/ladies, I'm new to this site - I thinks it's great that there are users out there helping one another - well done! There's so much information here and after flicking through 100's of pages, I thought I'd post a question to get some opinions. I had been saving with the Halifax into a normal book style savings…
10,000 Euros to pounds where to change ?
How do I do this to maximise the benefit to me and not the bank !
ISA interest querie
Having retired last year I am building up my ISA stake.The first payment of interest was made this April after one year.It is only a few hundred pounds and it has been added to the 2 ISAs (one in my wifes name) As I understand it the limit is £5100,so does anything over that amount earn interest Should I/can i take the…
Ideas for £5000 to £10000 monthly savings
I might have got a contract which will give me a "spare" £5k to £10k a month and I'm looking for a home for it. I won't have much time for active management on my part except for running a few CFDs but I'd like to get as much of a return as possible. I see some 1 year fixed rates around 3.25% but that is before tax. I can…
This does my head in!
My OH thinks all FA's are liars and cheats. I can see why as we have had some bad advice. The problem is that we have quite a bit saved. I am finding it very hard working out where to keep the money without risk and with a good return. My OH never helps, just says he does not understand it all. I have to do the hard task…
over £50,000 limit!
OMG, I have just realised that I have money in Halifax and money in BM. Looking at the chart it seems they are linked. Would I lose my money if just one of these banks went bust or would it need to be both?
Have i made a mistake with my CTF?
hi guys, i posted recently in the main Top child Trust fund thread, but unfortunately i got no response, so i went ahead and put the CTF in "self trade" to play about with shares, but now i realised that they charge not only £12.50 per deal, but also £40 per year! Have i made a big mistake? Is there a better company where…
CGT and Gold Bullion
Is the increase in CGT going to affect someone who buys bullion (from bullionvault.com)? Or is this not affected? edit - Let me be clearer - is any profit I make from the rising price of gold going to be subject to GCT, or is there an allowance? And is that allowance going to be carried over in the next budget (or do I…
Best place to put my savings each month?
First let me qualify this post by saying I've read the saving section but as I've never had to deal with banks before (excluding student banking) a lot of it I don't understand:o. I'm in my first job since leaving uni so now I have disposable income I've been putting away £500-700 each month - unfortunately instead of…
British investors scramble for gold coins to beat tax increase
British investors scramble for gold coins to beat tax increase Submitted by cpowell on 09:23AM ET Saturday, May 29, 2010. Section: Daily Dispatches By Javier Blas and Vanessa Houlder Financial Times, London Friday, May 28, 2010 http://www.ft.com/cms/s/0/74825c32-6...44feab49a.html British investors are scrambling to buy…
Equiniti - unreasonable charges
I am trying to get share certificates for my Talk Talk and Carphone warehouse shares which were issued on March 24th 2010 to all old Carphone Warehouse shareholders. Equiniti sent the certificates to the wrong address (an old address - despite me having notified Equiniti's predecessor Lloyds TSB registrars of my new…
National Savings Index-linked Certificates are misrepresented by Martin
The Banking/Savings tab contains an article about the National Savings Index-linked Certificates which is misleading, I think. You don't get the current RPI + 1%. You get the difference between the RPI at investment and on anniversary. So the quoted figure of 6.3% is nonsense. It fooled me, too! Seth
ISA and PEP and CGT
Can anyone help please? I am looking at quite an nice profit this year from some AIM shares I have been buying over the last 3 years (so far £20k but maybe later in the year upwards of £35k). I know a wee bit about CGT but need some help around the ISA situation. This is what I have done so far... I have already…
How long to wait for an inheritance
I am not sure if this is in the correct place, if there is somewhere else that it would be better placed I could try to move it. About 15 years ago my husbands aunt died. Her 2nd husband (1st husaband died) then made a will to share all her estate between her great nephews and nieces. She never had children. The money…
James2nd
am going to invest in NS& I but would it be best to purchase now or after next months figures?
the pennies soon add up :)
Since about Feb I've been popping odd change into a money box & for lack of anything more interesting to do, I just counted it! Just over £25 in the "small change" moneybox (anything from 1p to 50p) & £74 in my "pound pot" (£1 coins, £2 coins & 2x£5notes in there too!!!) It just goes to shows that tiny amounts soon mount…
How Secure are my savings
I have a morgage of £110,000 and savings of £150,000 with the same bank. Am i correct in saying if the bank went bust my savings would be fully protected ie my £110,000 debt would be cleared using my savings and the £50,000 bank protection scheme would cover the remaining £40,000 savings
CGT, are people starting to panic
They are if you believe this article in the Mail http://www.dailymail.co.uk/news/article-1282360/The-growing-CGT-rebellion-Fear-tax-grab-sparks-mass-sale-homes-shares.html

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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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