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Savings & investments

Archives for February 2013

davejl
If the Bank of England base rate goes negative, as suggested, would this affect offshore sterling rates? Does anyone know? Just thinking about where to move my savings when the rates fall even lower...!!
Cheapest way to sell a few shares
In the last century I was awarded a few shares (about 15 to be precise) in ITV plc as part of employment. At the time they were about 20p. Today, 122p - so not alot, but I was wondering is there a way to sell them without incurring charges that will wipe the proceeds out? I have the share certificate and capital registrars…
My L&G Portfolio
I had a fair amount in years ago but took most out when the markets fell. I left about £6k in, which is now £7.5k (just checked them, first time in a while), so they must be doing well again. I now have the option of drip-feeding regular payments in but would like advice on whether it's best to stick with the funds I have…
M&G Gbl Basics sell for Gbl Div?
Hi all, Would appreciate your comments here. Bought M&G Global Basics a couple of years ago and I am considering changing it for M&G Global dividends. I like the idea of topping this pot up as I when I can for the dividend reinvestment on the ACC type. As a direct comparison here are the results (know past performance is…
Transferring property into sons name
Hello all, I am about to move into sheltered accomodation and would like to turn my percentage of the family home(40% - my ex wife has the other 60%) into my sons name whilst I am still of sound mind. The property is currently up for sale and I want my share of the sale to go directly to him. Can anyone give me advice on…
Recording Your Finances
Hi All, How do you record your finances? Mine is done as follows but I'm not sure if it's the most effective way. The figures below are only examples to keep the calculations simple. Using Excel Savings Bank Account (Interest Rate 2%) £1000 Money Owed - £200 Investments (Premium Bonds) - £100 Total £1300 Debt Mortgage…
What actually are Cahoot saying to me?
I have a Cahoot 2 year bond (issue 1) maturity account. It's fixed at 4.01% till 1st October 2013. I've just received the following email, which seems to suggest it's going down to 0.5% from 1st May, even though it's fixed. Before I get stuck into them, have I misread it? Anyone else had one yet? We are writing with…
Thinking of a career as a Paraplanner/Financial Planner/IFA
I want to start a career that I will actually enjoy and like many of you on here, I’m fascinated with personal finance/products/economics. I would also love a role with an ongoing focus on CPD and learning, and the careers detailed above all seem to tick that box. My background isn’t in financial services, although I have…
Are my investments covered by FSA ?
I have two lots of investments - Cofunds and Zurich/Sterling (M&G bonds and Invesco perp) Are they protected by FSA - should the worst happen ?
Savings accounts
Hi all, looking to pick your brains if I may :) I am looking to have a couple of savings accounts tht will suit out needs ... Both hubby and myself currently have cash isas but the interest rate is appalling 0.25% as we've never really been able to have the money in them for long the interest was never really that…
£4k in HL SIPP - Where should I invest it?
Writing on behalf of an early 30s married lady who has £4k waiting to be invested in a HL Vantage SIPP. She has other assets so this is initially only little more than a bit of fun, and for learning the ropes for managing what will hopefully in the future grow to something more substantial. Medium to high risk preferred…
Help please
New user so advanced apologies for any faults. 100k to invest. Looking initially at low risk as have no experience. Independant financial advisor pushing ISA's, corporate funds and life insurance which pay annual interest. However, concerns about economy and therefore long term investments effects and also worried about…
Confused by iii - Transfers Out - £15 per line of stock
I opened an iii trading account today. Deposited £500, but haven't bought any shares yet I know there is a £20 quarterly fee, but I only intend to make two trades a quarter anyway, so fees will essentially be £0 At their fees page, I noticed this Transfers Out £15 per line of stock What does this mean exactly? Is this…
Cash ISA is 3% any good??
Moving a CTF from F&C
I have a CTF with F&C for my son and looking to move it as their new ridiculous charges will wipe it out. Is this possible at the moment, to move it out completely?
Best bare trust accounts for cash
My son's grandparents want to put some money aside for him with I'm getting control at 18. From previous posts, it looks like bare trusts are the way to go. Does anyone know the best cash accounts to hold as bare trusts that are available at the moment?
Types of investment vehicles
I am thinking about alternatives to a pension, more of an investment which will guarantee a regular indefinite return. For example, a buy to let property in the right area (demand) with a large deposit and decent monthly income after tax. Something different to a big pot you fill up and can only access from age 50+ and…
ISA Advice
Hi folks i am sorry for posting this really dumb question in advance but i hope you can help. I did ring my bank today and ask them but tbh it appeared the person had no idea. So i thought i would go to the place that never lets me down. I opened a 1 year ISA last June. I have recently filled it up to the maximum allowed…
Help to choose between standard life uk equity unconstrained or cazenova small cap
I am planing to put £1000 a month in ISA . I am now thinking to put £700 a month in aberdeen small cap asian fund and £300 or £200 in either cazenova small cap fund or Standard Life UK Equity Unconstrained fund. Any suggestion which fund I should go for?
Which Account? We want to put money away - but not sure how long for.
Hi, We got help on here a few years ago to clear our debts. We did it and now we want to push ourselves to keep saving and put our money away. We currently have 4K in a regular current account and we want to make more of it. Plus we think if we push ourselves we can add £500 to it a month. We do plan to make some changes…

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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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