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Savings & investments

Archives for November 2011

Lump Sum compensation
I have recently been offered compensation for an injury a lump sum of 120k. I have however been given the option to receive these funds spread out over 15 years. My question is which option is better in the long term as I will have to live of this for the rest of what was my working life? The amount I believe is not…
Historic Value of Money
Is there any way that I can find out the historic value of money? If I had £1000 in 1989, what would be it's value in 1991 and in 1993? In other words, are there any tables sitting somewhere on a website that would enable me to make such calculations?
Centrica up for grabs?
I've just taken a call from a very nice chap called Wayne representing the Rothridge Consulting Group based in New York It would appear that if I sign and return a non-disclosure agreement and provide lots of personal information then their client will buy my Centrica shares for a tidy sum. I am over the moon and already…
Investing in funds, some outside ISA
Just need some confirmation hopefully as all the reading I do still leaves me with doubts. I am using a S&S and cash ISA. However I have other dosh in various funds (with fidelity for example). * Am I right in thinking there is only tax liability if I sell and take the cash (ie. a transfer leads to no tax)? * That if…
Share advice please.
Hello, I am looking for some advice. When I joined the company I work for four years ago I was offered EIS shares that can be exercised when the company is sold. Now there is a possibility that the company will be sold on hence my question. The deal that is being muted just now is pay a lump sum of 6.5m for the company…
best safe investment
Hi Just joined and am looking for some advise. We have just sold my partners property and after paying everyone we have a lump sum of 40000 which we want to invest as we plan to move next year and will be needing the money to set up our business. Would it be best just to put it in a bank or ISA. We cant afford it to be too…
How long does it take to purcase say an index tracker?
Is it just the case of picking one in say a fund supermarket and then commiting to buy it? Is the price fixed there and then, or at midnight, or some later date?
Lloyds Vantage
Lloyds says you can have up to 3 vantage accounts...??? Does that mean I can open 3 Classic Vantage current accounts? At the moment I only have one Vantage current account. With the Gross interest rates tiered as follows: £1 - 1000 1.5% 1000 - 3000 2% 3000 - 5000 3% It mentions the net% on their website I forgot those.…
My investment strategy - what do you think?
Hi all, I was just wondering what, if any, feedback or tips anyone has with my savings strategy? I'm 36 years old, single with no children, renting a flat in London on my own. After rent and all bills and outgoings are paid I am left with around £900 spare each month. Out of this £900, £150 per month goes into a pension,…
What is a "Management Fee Transfer" with Hargreaves Lansdown?
Been looking at my Income Account on my Vantage S&S ISA with Hargreaves Lansdown (staring at the dividend money in there doing nothing - grrrr!) and I've noticed that each month I get charged a "Management Fee Transfer" of between 40 and 45p Tried searching the HL site and Google (which goes to a broken HL link) but can't…
Yorkshire Bank - Interest Options?
Ok so please excuse my niavity here, but is there any difference in these and if so which is best? Interest options Interest Capitalised and Paid at Maturity Interest will be credited to the Account on the Maturity Date (unless you advise us differently) or when the Account is closed, if earlier. Interest will start…
Anyone invested in Fidelity.co.uk China Special Situations Fund?
I took advice from the Guardian Money section last year and invested some money in an account they said would be well run by a trusted investment banker. However! The global situation has gone so badly this investment has lost value. Do I bail out now or hang on??? This was a lump sum from our pension, and put as an ISA in…
Standard Life Dividend
I have 2800 Standard Life shares and was sent an email telling me that I will be getting the Dividend paid into my bank account if I did nothing. So I did nothing. Any idea when the dividend will be getting paid?
interest calculation
I know this should be easy but my calculator has just died. If I take £2K out of a savings account, and have to lose 1 months interest (at 2.8%) How much am I going to lose..
ISA Fund advice
I am wanting to invest in 3 or 4 funds for my ISA and would like people's opinion on the following: Trojan O Inc fund First State Latin America JPM Emerging Markets A Acc Do you think it is also worth adding in Allianz PIMCO Gilt Yield? I am planning on investing approx £1000 of each, and then doing a few more reliable (as…
Halifax Online Saver Interest
I see on the website it says this account has interest paid annually, but it doesn't state how the interest is calculated. Is it calculated at the end of each day, month, or?
0% interest but I feel good
Not strictly a savings topic but i felt that i had to share with you a site that i found when i was (unusually) browsing the charities forum. www.lendwithcare.org allows you to make loans of £15 or more to entrepreneurs in developing countries to help them start or develop a business. There is no interest and they have a…
Investment ideas needed as money in the bank is pointless
What are peoples ideas on where to invest to get a decent return. I'm thinking low-medium risk and 5-10% return. I will consider lumpsum upto 50k or 2k per month and for 5-10 years I am already heavily invested in uk/ww stockmarkets/bonds via my AVC pension contribution and also have stocks and shares ISA's so not really…
Fair Deal from banks and no obstacals or move account
I feel compelled to say this as the banks do have a duty to their customers. The banks have adopted an attitude of preying on the weak stupid and those who cannot afford to be preyed upon. They rely on individual’s stupidity and put obstacles in the way to make banking more profitable for them selves. Banks make 65% of…
Moving back to the UK
Long time lurker, first time poster here. I'm currently living overseas and plan to return to the UK around May 2012 after 14 years away. I've got a nice little cushion of savings to help me with the return to the UK and am quite likely to find work in my chosen field which will provide housing so there won't be a big…

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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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