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Savings & investments

Archives for April 2011

How do I calculate this???
I know I appear a bit thick but I think I am having a senior moment! Can anyone tell me how to work this one out? I have £ x amount in savings which has made £ x of interest. How do I calculate exactly how much each £1 has made. My husband and I sort of share an account, his share is bigger than mine so I want to work out…
Long term saving options and IFA's
Hi all. I need to start saving for my pensions ASAP and am wondering the best way to go about it. My work do not contribute to a pension scheme so I'm looking to do something myself. I will be paying at least £75 into a scheme each month, hopefully nearer 100, and if I get a better job that will jump up again. I intend to…
Saving Accounts Suggestions
Hi all Me and my partner have been talking and we want to opening up a Savings account we want: * Open with just £1 * Regular Payments in i.e Monthy direct debit of about £50 maybe more sometimes * No instant access * Save for about a year I think thats about it lol can any one give me some good suggestions :money:
What is Tesco Web Account Savings Rate
I've had an account for some years and usually there is a bonus very year making it a reasonable rate. I just thought I would check today to see what the rate and (if any now??) bonus rate is but can't find the information on the web site even when I log in. So I am wondering if there is no bonus making it now 1.25% or if…
Zero Risk Investment
Hey folks looking for some advice Have sold house in UK and moved to Australia. Only on 4 year Visa and plan is we move back and buy another house. Have 40k from sale which I want to invest in the UK. Not too worried about beating general inflation, only house price inflation and since I don't think there'll be any, I'm…
TER's - How are they calculated?
I am hopefully becoming a more savvy investor and looking at the use of ETF’s to reduce costs where applicable. I understand that charges eat into returns on funds, and these are measured by TER’s. What I don’t understand is how these are calculated. For example I use HL to hold my funds and if I am considering this fund:…
Can I get full details of what a fund holds?
I am relatively new to investing and have spent 12 months building up a portfolio of around £4,000 of funds. This has been a learning curve for me and have no doubt I’ve made some mistakes and am addressing those for 2011/12 by looking at using ETF’s, OEIC’s etc. However I have been looking at my current holdings and three…
India?
Worth a punt or is the party well and truly over now. Likewise with other emerging markets such as Latin America?
Company Share Scheme - American Company
Hi, I work in the UK for an American company and part of my remuneration is a share option. I was granted 6000 shares and they are currently trading at around USD 35.00 on the NASDAQ. I know next to nothing about shares and tax planning, so I would appreciate some advice: What is the most tax-efficient way of realising…
Access to website after account is closed!?
This might be a bit off tangent, but I have the following problem 1) I opened an internet savings account. 2) I kept it open for about 1 year, during which I used the internet to access my account and transfer money. 3) I closed the account about 6 months ago. 4) I can still access the website of the savings provider, and…
Old bank statements
Hi, Just wondered what the advice/rules were on keeping old paper bank statements? My wife and I have got statements, pay slips etc dating back 15yrs and wondered what we should do with them. Thanks
Tracing a series of takeovers
My greatgrandfather died in 1944. At that point he owned several thousand shares in a company called The British Needle Company which he had helped to form. He died intestate. I am still waiting for a copy of the probate but I believe the shares were divided equally between his five children. I remember that my…
Best savings account for a student?
Hi all! I've tried reading a lot on the website, but I'm still completely unsure about which type of savings account would suit me best. I've always lived in England and attend a university here (this is my first year, that is coming to an end). I currently have three well-paying jobs that are spread out over term-time and…
Help understanding interest rates
Hi, I'm having trouble understanding the interest rates between certain instant access saving accounts. Nationwides instant access saver has an interest rate of 3.05 AER but a core rate of 1.51%. Does this mean that I will get 1.51% interest on my money per month and then 1.54% bonus at the end of the year. What if I only…
Free £5 when you open a Leeds Building Society savings account (north of England)
Pick up a Northern Rail spring/summer magazine from a train station, library, tourist information centre or travel centre. Visit a Leeds Building Society branch and open any savings account show them the advert on page 19 (original not photocopy) deposit £10 and receive £5 free. It states to ask your local Leeds Building…
Free £5 when you open a savings account (north of England)
Pick up a Northern Rail spring/summer magazine from a train station, library, tourist information centre or travel centre. Visit a Leeds Building Society branch and open any savings account show them the advert on page 19 (original not photocopy) deposit £10 and receive £5 free. It states to ask your local Leeds Building…
New Saver needs help!
Before I post I have to confess I have read through a lot of the savings threads and am STILL confused about savings :( I am a bit of a numpty I know so please be gentle with me lol! I am the fortunate position of having £1,000 a month spare money - this is basically my salary - that I can afford to save. At the moment I…
Offshore company and tax
If i do a Offshore company and recorded all what i own in this campany do i wall be covered by domicile tax low
Interactive Investor's Fund Builder Within an ISA
Hi Guys Just wondering if anyone who uses or knows about Interactive Investor's fund builder could tell me if I'm going about this the right way. What I want to do is to first make a three-figure lump sum payment, and then set up monthly payments of £50 each into three or four investment funds. I want to do this through an…
Halifax ISA transfer in Question
Hi I opened a new Halifax ISA and transferred in last yrs ING ISA which has been completed and is showing in the "ISA Direct Reward 4" part of my account as £5,232.74. However it gives my allowance for this yr as only £107 which isnt right. Is there anything you have to do once transferring in? thanks

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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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