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Savings & investments

Archives for February 2011

Lloyd Share Price
Hi I understand that Lloyd Banking Group plc is now in the black for the first time since 2009. I was expecting to see the share price improve but it went down from 68 or 66p to 62p. I could not understand why this happened at the moment. Will the share price will improve this year?
400 PW Disposable Income
I run a internet marketing business and has been reasonably reasonably successful - I now have approx 400 per week to invest. I would like to buy a cheap flat and do it up but dont know were to start with buy to lets. If anyone has and good ideas please share.
Two interest calculating questions...
Hi Guys, I'm not math expert but am keeping track of my accounts with a Calc Spreadsheet. I'm trying to work out the interest I will recieve (profit) on two of my accounts. Question 1: How would I work out the returns, interest wise, on a 3.5% 2 years fixed rate isa? Is it yearly ie: 3.5% of 3600 = 126 (year 1) then 3.5%…
advice please - 140k to invest income required
I'd be really grateful for some help please. I'm hoping to finalise my house sale soon and after the mortgage is paid I should be left with approx 360k. I looking to spend up to 220k on my main house and will be left with approx 140k. I's a single parent, two teenagers 13 and 15m earn around 16k a year and will need an…
final pension scheme avc@s versus isas
I want to save £250 pcm but am very confused where it should go. If i save it into our final salary scheme and the fund closes for example what would happen to my savings? Or should I go to an ISA, my bank nat west called me to suggest I may want to look at them, but when I looked at the top isa providers nat west weren't…
Share Dealing Broker. Which one?
Hi All, I am looking to buy/sell a few shares. Currently I am only looking to buy/sell UK shares and will probably be looking more long term than short term, but you never know what will happen. I have found execution only services from.https://www.x-o.co.uk and https://www.svssecurities.com which both offer sub £6 trades,…
new to investing - S&S ISA?
Hi all. I wonder if anyone might be able to give me some advice - I've used this site for a while now but not posted before. Having cleared debts of £28k over the last 18 months, I finally became debt-free last month! What a relief. Now I am trying to save - as much as I possibly can. After doing a budget I know I can save…
With whom to invest a tracker-heavy portfolio?
Am I right in thinking that Hargreaves Lansdown levy higher than average annual charges for tracker funds? If so, where would be the best place to go to start a tracker-oriented portfolio?
Savings for 1 year
Please help! 4 friends and I are looking to start a savings plan for the next 12-18mths, so we can go on a joint mini-break to celebrate our 40th birthdays in 2012. I've suggested that we open a joint savings account, but now I'm not quite sure how to ensure the best deal. We can only invest £10-£20 per month (so it'll be…
Investment advice
I would be grateful for some help regarding my father. We have been advised that my father requires 24 hour care which means a home of some discreption that will cater for his needs. We will shortly be in the process of selling his house and would appreciate some help with regards to a safe investment that produces a…
Free shareprice tracker for desktop?
Probably the best sub-forum ot ask in, anyone know of a decent, auto updating share price tracker i can download for my desktop, to monitor about 7 or 8 share prices? Thanks in advance
Beware the Post office inflation linked Bond
Beware - You should note that the Post office inflation linked bond giving RPI+1.5% each year is only inflation linked not inflation proofed. Do not use this product if you think inflation will rise to high single digits or go to double digit inflation over the next few years. The critical lines they don't really want you…
Investing inheritence for my daughters
We have received £4500 for each of my daughters and want to know what is the best way to invest/ save. We don't want access until they are 18. (They are 8 and 5) What is the best way? Should we invest or save in a tax free account? I would be grateful for any advice. Thank you Martin
What income from £400000?
I am 46 & have accumulated around £400000 in cash & shares & have no mortgage. I have done relatively well with the stock market despite a large holding in LTSB shares which I have topped up at 48p & 52p along with the Rights issues (current holding 230000 shares). I am married & have a daughter of 19 at Uni & Son of 14.…
Santander shares
Hi there wonder if anyone can help me.I am a share novice.I am currently working on my mums finances for probate and she has 100 shares in santander,how on earth do you work out how much they are worth??Thanks in advance for any help.Also what is the best way to go about selling them? Ali
SAYE Employee Sharesave
My husband has 3 SAYE sharesaves on the go at the moment with one finishing in Dec 2011. We will probably buy shares and then sell them soon after but I was wondering if the profit made (about £1300) will have to be declared as income for tax credits etc. We are new to this and dont quite understand.
Iraqi Stock Market
HI I was scouring the web and came across an article that said the Iraqi Stock Market is booming . Does any one know how to invest in the Iraqi Stock Market ?
CGT on Joint Stock Holdings
My wife and I held the same investment trust in unequal proportions. We moved these holdings into a joint account and now wish to sell some of shares in the most tax efficient manner. Can anyone please explain how the sale would be viewed for CGT purposes. Should the sale be split equally or in the proportion they were…
If Inflation takes off ?
Having retired with life savings in the 'bank' and some equities, I'm in a better position than many - age apart. However with RPIX at 5.1 % and the likelihood of it getting worse, possibly much worse, it's no time to be complacent. I'm not thinking of a year or so of inflation at this rate but the possibility of a more…
How do I work out the net interest rate?
Hi Folks On many occasions, I see interest rates for savings advertised at % gross per annum. How do I calculate the net equivalent? Thank You.

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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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