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Savings & investments

Archives for May 2015

Share dealing ISA (already have an existing stock ISA with Fidelity)
Hi guys, Just after a bit of advice. I have an ISA account with Fidelity and I hold a few funds there but I would like to buy some shares as well. I have done a bit of research and thinking with either opening an account with ii or AJ Bell. Are these companies OK for share dealing? Also would there be an issue opening…
Fixed term accounts
I have had a quick look at the savings guides on MSE i was wondering is there a fixed terms savings account where U can open with £500 and then add to it monthly?
Advice for 18 year old please
My daughter is about to turn 18, and will be going to uni in September (if she gets the grades!!). She currently has about £10k in a Halifax Junior ISA (6%), and a bit more in various savings accounts. When she turns 18 the Halifax will transfer her ISA to an adult variable cash ISA. The interest rate on this isn't very…
3000 to save
Hello This is my first post so I hope I am in the right area and following all guidelines. I have got a job abroad for 1 year, and will have 3000 or so just lying in my bank account while away. I don't want to touch the 3000, and was wondering what is the best deal for saving. With the hassle of moving abroad etc I am not…
giving money to a spouse
I do not currently have to fill in a tax return but as I understand it from April next year I will have to fill in a tax return if I receive over £1000 in interest on my savings. Can I legally avoid this by putting some of my savings in my spouses name?
Savings - What to do next...
Hello! For the past 18 months I have been sorting myself out financially, trying my best to get some savings behind me. I would now appreciate a bit of advice as to where to go now. On everyone's recommendation, I have tried to get short term, medium term and long term savings in place. SHORT TERM - From advice on here, I…
How to calculate interest in a santander 123 account?
Hello, If I was to put £20K in a Santander 123 account does this mean that I would earn £600 per year at 3% or because amounts less than £3k have lesser interest I wouldn't get the full 3% on them, so that would mean I wouldn't earn £600 per year on the full £20k? Finding it a little confusing so any clarification would be…
On repaying debt before saving
EDIT: I'm sorry I decided to mask the numbers, as I feel it's a bit sensitive information Dear All, This seems to be a common question, but all I could read on that matter contradicts my own conclusions which I've arrived to after doing some research. Perhaps my situation is different and this is sensible, but I thought…
Lloyds ordinary shares
Hello: my elderly father in law wishes to sell his Lloyds ordinary share certificates issued in 2009. We have tried the automated service from Equiniti but we are just told that it doesn't recognise his account number. Given that the number of shares is rather low (265) he wishes to avoid the higher costs of the telephone…
Joint bank/saving account and Tax liability
Hi, I have a Santander123 account giving 3% on £20,000 + cashback. I want to open a second (joint) account with my daughter with a further £20.000. The interest is paid net of tax and we are both basic rate tax-payers. I receive my private pension net of tax and propose to pay it into the joint account while my state…
Old ISAs
Hello everyone. I'm new here and I wondered if you can help. I have a few old cash ISAs which had great interest rates originally but now don't. I have already used my £15000.00 cash ISA limit for 2015-2016. How can I improve the interest rates I am being paid on these old cash ISAs? I've looked around for already in situ…
Withdrawing money from Tesco internet saver
Hi, I have two Tesco internet savers (for the DDs) and want to withdraw the money in them to put back in my Santander123. Every time I try it says "we are unable to complete the transaction. Please try again." Helpfully it doesn't tell me why. I've tried each one of the payees I have set up, tried different amounts, tried…
Shares ISA to go alongside SIPP
I am 37 and 3/4 and going to start my pension next week, using money I currently have in cash ISAs to start it off and then paying in £500 per month going forward. I have been advised to go for the Vanguard LifeStrategy 60 product via LV= as it gives me a medium high risk (60% UK and Global shares and 40% fixed income) and…
Vanguard ETF dividends
Hi, looking for some help please with Vanguard ETF dividends. I have just got a 'Consolidated Tax Certificate' from my online broker x-o where Vanguard ETFs are listed separately to my other shares which are all UK shares and show tax taken off the dividends. But the Vanguard ETFs are listed separately under 'Dividends and…
Online banging with savings goals
Does anyone know of any banks other than NatWest and RBS that has the savings target on their online banking facility? We're with NatWest and want a savings account with someone else to save. Tried looking on some banks websites but there doesn't seem to be any info. Thanks! :) Edit - Ah man, I spelt banking wrong in the…
A little MORE advise please
HI guys since joining MSE I have sorted out a reg savings plan where I have a 20% of my fund, a rainy day fun paying in 90 a month along with a holiday fund and a fund where I put in a lil each month to play poker events in 2016. All in all im still left with a disposable amount of £266 after rent and bills are paid. what…
Quick easy question....
Hi team... Here's an easy one for you . .. Colleague has split from partner and has about thirty grand coming from a house sale. He can't buy a new house for two or three years as he has to build up some books after being self employed for a year to date. Anywhere constructive he can park it and add to for a couple years?
“at my wit's end ? savings
at my wits have looked all over the place to grt a decent rate i have £61500 to put away for 1yr or 2yr will not touch this for the period of time any safe savings account would do fixed tate or a savings bond thanks in advance all isas up to date
Best account for £10000 not an isa
Looking for an account to put 10k in that will earn a half decent interest rate but I need to be able to withdraw it whenever.
Don't know what to do with 16K
Hi, Long ago my nan and grandad saved up around 16K for me but using some kind of trust (i used to remember a man coming around the house and he would invest it for them). So when i was 18 i put the money in a Cash fixed rate ISA with the halifax that give me 4%, i remember the guy told me at the time that it was risky as…

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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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