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Savings & investments

Archives for November 2012

what if money was not an object
What are your takes on this idea? youtube.com/watch?v=86ZRnQmmbuY
Tesco saving application is a joke!
I'm absolutely furious, it is now 2 weeks since I sent my application form in on-line to open their saver account. It said it could take 5 days to verify my identity, I obviously haven't got one since I've heard nothing. Rang up again earlier this week on 0845 number, and was eventually told not to worry as the account had…
Getting into a saving frame of mind?
Well thanks to everyone on this site we finally made it to being free of all non mortgaged debt, woo yeah. Now we have a modest income left at the end of the month and I have found two accounts that pay a higher rate of interest than the mortgage payments. My question is, we managed to get into a money saving frame of mind…
NatWest - Problem With Maturing Fixed Rate Account
I have a fixed rate account that was due to mature on 29/11/2012. Checking online today (30/11/2012) I saw that the maturing balance had not been transferred to my current account. I asked in branch and was told that there were known problems and the funds will be there tomorrow with one extra day's interest. What if…
Savings Ignorance
I work in a contact centre for a large Uk Bank and mention to a countless number of people each day about how low their savings rates currently are and that we can improve on them. (for example they are currently getting say 0.05% and they can be upped to say 2%) I would say that only about 1 in 50 are open to a discussion…
Best safe savings account?
Hi Martin, I am looking to invest a 6 figure sum - any advice please? I don't necessarily want to tie it up for years but also have no plan to use it in the near future. I like the idea of having access in an emergency. Regards
Best place for my savings
I am saving for a house deposit. At the end of the year I will have around £23k. I have £5640 in a cash ISA at 3.3% with Santander, and £16k or so in a Santander Esaver at 3.2%. Currently £550 a month gets paid into the Esaver which will fund next years ISA. I have just opened a first account and everyday Esaver with First…
Selftrade-OTCBB?
Hello there, I just registerd with self trade as I want to buy some shares in a company.... I cant seem to do it, or buy shares in any company thats listed on the OTCBB market helllp! thanks
How to save/invest if i'm a non-UK taxpayer
I'm a non-uk taxpayer but am British. I've lived in the Middle East for a while and am looking to start saving, but all the advice I can find online concerns people who pay UK tax or are concerned about tax on their interest. I'm confused about where to get started really...I have a lump sum in my current account at the…
Maturing Endownment - Advice please.
Hi all, long time lurker, first time poster. I posted this in the Endownments and Mortgages section and was advised I might get better advice here. I took out an Endownment mortgage back in 93 for 45k. Over the years I have over paid my mortgage payments, so much so that I paid off the debt early. I have continued paying…
Where to put £130k
Hi, new to this board as we've never got any money usually! Background: Due to our house sale completing last week but purchase falling through we have got an unexpected amount of money which is the proceeds from the sale that we need to keep safe somewhere. Due to the trauma of the purchase falling through we have decided…
Halifax Online Saver - Interest due date
I had a letter through a few weeks ago saying my Online Saver bonus will expire on the 28th of this month, so I assumed I would have the yearly interest paid by today, but nothing as of yet. Anyone know when the interest is payable? First transaction I can see is 28th November 2011 (a Monday).
Borrowing through peer to peer
Hi all, I have been reading on this site about the peer-to-peer sites that can be used for savings. However, it only seems to talk about it from a saver's point of view. Can anybody say whether this is a good option for borrowing money? Thanks in advance.
Tax on joint account
Hi I am new at this hope I have posted in the right place. My friend has a problem she has a joint account with Halifax with her daughter who lives in Australia. She has suddenly started being charged tax on the interest which has never happened before (she is retired) and they tell her that the Halifax has gone in with…
Best savings deals for children under 10
We want to open a savings account for our young grandson. We are looking for an account where saving on a regular basis is not a requirement. Any advice would be appreciated.
stocks & shares ISA account
Hi I would really like to invest a small amount regularly (about £50 per month) into some sort of fund, but I don't wish to pay £X per trade (don't mind a small annual management fee) A few years ago I had a S&S isa through the bank and it did not too badly. But I can't find any anywhere now that does these without either…
Does anyone else love 'Save the Change' at LloydsTSB? :-)
I haven't seen a thread about it yet, so here it goes.... I had to pop into Lloyds recently and I honestly don't like doing that (more of an online-banking type of a guy, I guess). Anyway, waiting in the queue & bored as hell, I started going through their brochures and found an awesome little feature which I can get with…
how best to invest a sum of £30,000 for the highest return
I have a sum of £30,000 to invest. I am looking to get the highest return as much as possible. I know this would be difficult in the financial climate I am not risk adverse and I am well aware of the danger in investing in high-risk areas. all I want to know is what is genuinely out there, that will give me the highest…
How much are you legally allowed?
Sorry I am new to all this. I've been a fan of this site for awhile. I've been lucky in my years to aquire cash and save, I rarely spend and live with my mum. I was wondering is there a legal limit on bank accounts? For example if you had £50k sitting in a savers card - would that be subject to investergating (BTW that…
Why has interest rate omn LloydsTSB Esavings account dropped so much?
I opened a LloydsTSB eSavings account in April this year which pays 2.5% (with bonus) Just checked on their site and if opening the same account now it only pays 1.5% Looking at the previous rates page - http://www.lloydstsb.com/rates_and_charges/savings/esavings_account_previous.asp I see it dropped 0.5% if opened between…

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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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