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Savings & investments

Archives for October 2016

Will Martin Lewis/MSE start a Tesco shares damages claim?
Just been reading about institutional investors launching a damages claim via a legal firm following Tesco's overstated sales figures in 2013. No doubt there were thousands of MSE private investors caught up in this and SIPP holders too. http://www.bbc.co.uk/news/business-37820850 Could we see another large claim for…
Fund Opinion please
It's a long time since I had a bond (or similar) fund, and have never invested in a tracker yet - but in the research for a little bit of rebalancing, to try and hedge against the UK doing relatively badly in the next few years vs the rest of the world, came across the Vanguard UK Inflation Linked Gilt Index. This has done…
Sable SPV01 Fixed Rate Bond
We got an email about this bond expiring on Friday. The Insurers (Gable) that they have said covered the scheme have stated that this insurance is NOT in place The introducers (Fox and Co) - Jason St. Pierre - have disappeared off the face of the earth. I have registered a complaint with the Ombudsman. I had £25K in this.…
Help to BUY ISA queries
Hi all, Novice poster so please forgive any daft sounding questions. I have two questions if you don't mind.... 1. I'm on the verge of buying my first house. I have an ISA with HSBC and a help to buy isa with the halifax. I am paying in to my help to buy isa but not by standing order, otherwise i cannot get the government…
FSCS limit and GBP/euro exchange rate
So the Financial Services Compensation Scheme limit was cut from £85,000 to £75,000 at the beginning of the year because of falls in the value of the euro against the pound. See e.g. http://www.telegraph.co.uk/finance/personalfinance/savings/11716470/FSCS-savings-compensation-rules-the-new-75000-limit.html. So now that the…
How to save £49k
Hello, I'm hoping someone could give any advice on saving £49k - not something I've ever had to think about before and I'm totally confused looking at all of the options. I'm not 100% sure what to do with the money so want it somewhere safe for a few years before deciding. I can't imagine I will be spending it anytime soon…
Nationwide Flex Regular Saver 13th payment
Can I make 13 payments into a Nationwide Flex Regular Saver? The T&Cs say I can pay in £500pcm, and the account will be open during 13 calendar months (Oct 16 - Oct 17) so there's nothing I can find that explicitly bans it, but I just wanted to check if other people have got away with this.
What to do with large amount of cash
Hi folks I'm in the process of selling my house. The date of completion is the 22nd Of January. As yet I haven't found any where to buy and I think I will rent for a bit until I find the perfect place. Due to the fact I am downsizing this means that I will have approx 110K to save somewhere. This cash will need to be…
Loyalty Accounts
Wondering if you guys have got any loyalty accounts and what interest.. I only have a Skipton BS Slush Fund Saver... even that pays peanuts now..
4.75% interest with 69% LTV
I am currently looking at my first investment opportunity and would appreciate the opinion of those with more experience and understanding than I. The investment is for 1 year, with a minimum input of £100 and a fixed rate interest of 4.75%. I am only intending to invest £2000 as I am a recent graduate and do not have a…
Should I sell ?
I have a not considerable sum (80% ISA) invested with a investment management company in a good spread of fixed interest uk, fixed interest overseas, equities (uk, usa and asian) Since the Brexit vote - I have seen the value rise on a daily basis which I believe is due - not to corporate heath but to the drop in value of…
asked before but...37,000?
HI I know I asked this a number of months ago re: investing money. So I wanted to put forth my current situation and ask your opinions again. So I have 37,000 pounds sitting in my bank account earning a few pennies a month. I have another 13 grand in an ISA. I am current renting and moved to a new area that I love and have…
Large amount of money need to deposit in savings
Ok nothing dodgy going on but my ex died last year but he was giving his parents money each month to put aside in their safe so he couldn't spend it was saving up for a car and supposedly putting money aside for our daughter although I never received a penny for maintenance think it was jus something he told his parents or…
£30000 to invest
I am to receive £30000 as a gift and wondering how to invest this. I own my own home that is worth about £300,000 but still owe about £100,000 in total with a mortgage, second mortgage and some debts. I am going to pay off some debts and will have 30,000 left after this. My morg has about 7 years left and I am happy to…
Mortgage Advice
Being very fortunate I have been given some money by a family member. I appreciate that I am very lucky to be in this situation. It is on the condition that the money can not be squandered and can only be used on a house purchase. I am currently living and a student in Bristol. The amount is £100,000 so not enough to buy…
Tax Credit Certificate?
I've just received a dividend cheque and tax credit certificate from HL for some shares that I recently bought. It indicates Tax Paid of £12.13. Surely Tax Credits are now a thing of the past? None of my other dividend payments this year have given a tax credit figure, is HL just using an out-of-date letter template that…
Autumn statement - help for savers?
So its almost November and therefore this statement isn't far away. Seems lots of groups of people have been whispering about 'help for savers'. Are we expecting anything?
IVA Complete: Where do I put my money?
I have a Halifax Reward account for my salary. I have a Everyday Savings account Halifax I have a Nationwide Flex Basic account that pays no interest. This account has 8k currently in as I'm not tempted to spend it if it was in my Halifax account. But I feel I'm not doing the right thing. Ideally I want a Nationwide Flex…
Savinsg account with ATM card
Any idea where I can find which savings accounts offer the best interest rates and come with an ATM card? Thanks.
10 ways SharePad will make you a better investor
Well that's SharePads claim. Hard to see how tho? The claim that it 'will' make you a better investor to me seems dubious, if not just downright false. You could say Tim Hales books will make you a better investor. I can see how SharePad as a tool may make you a better investor, but surely only if you know what it's…

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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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