16-01-2015, 11:00 PM
33
Re: Savings Interest Rates
Originally Posted by Honey
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I've been with them for many years and like the way they do business, they've always been very helpful, I do most of my banking online and have different accounts with them, one being the Flexclusive saver which gives a higher interest rate than others as its' tiered so because I've been a member for more that 15 years I get the best rate in town
I've been a member for 38 years Honey, but they said I couldn't have a better rate than the 15 year one. I thought it was asking though.
16-01-2015, 11:03 PM
34
Re: Savings Interest Rates
Originally Posted by Grumblewagon
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We're still at tad too young for the 'Crumbly' bonds. Perhaps when I'm 65, I'll buy some. Till then, I just might spend some more savings on holidays.
16-01-2015, 11:28 PM
35
Re: Savings Interest Rates
Originally Posted by Mups
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I've been a member for 38 years Honey, but they said I couldn't have a better rate than the 15 year one. I thought it was asking though.
17-01-2015, 11:00 AM
36
Re: Savings Interest Rates
Well I've had a reply from another Secure Message that I sent the Nationwide yesterday - they managed to answer quicker than they have done in the past.I was right in my interpretation of Terms & Conditions on the Flexclusive Cash ISA - I can't tranfer-in my existing Web ISA into it.
I will therefore do as I originally thought and open a Flexclusive Cash ISA as soon as I have the cash to spare as at least I'll get 1.5% which my Web ISA still gives me until 31st January. stevmk2
18-01-2015, 04:16 PM
37
Re: Savings Interest Rates
Originally Posted by Diamond Lady
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Any ideas in where, if you do have a decent amount of money to invest? I wouldn't pay for a so called IFA, as from experience I don't believe they are independent in the end. Interest rates on anything 'safe' seem to be 4% tops as in the new Pensioner Bonds, which from a quick look, you can only invest 10k per person.
For her it's not a problem as she only has her State Pension and a small private pension so she'd probably not have to pay any tax but you could end up getting just 3.2% maximum.
Better than most ISAs but is it really worth it tying up your savings for a piddling bit of interest that could end up going to the kids?!
It was impossible to get on this site when we tried though so we thought bugger that anyway - when I retire in we'll spend it on ourselves!
Only 600 days as of today!!
stevmk2
19-01-2015, 12:33 PM
39
Re: Savings Interest Rates
Originally Posted by stevmk2
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My wife's 65 now so she asked me to look at these too as her ISA's only getting 1.25% but I also noticed that the interest is gross.For her it's not a problem as she only has her State Pension and a small private pension so she'd probably not have to pay any tax but you could end up getting just 3.2% maximum.
Better than most ISAs but is it really worth it tying up your savings for a piddling bit of interest that could end up going to the kids?!
It was impossible to get on this site when we tried though so we thought bugger that anyway - when I retire in we'll spend it on ourselves!
Only 600 days as of today!!
stevmk2
19-01-2015, 12:35 PM
40
Re: Savings Interest Rates
Originally Posted by billclay
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if my premium bonds come up and I win a million I will be looking for crew for my yacht, anyone interested?, bearing in mind I haven't actually won it yet.
I may buy some Premium Bonds and keep them for 12 months, as a bit of fun. Always nice to dream each month and saves on buying Lottery tickets, not that I do very often!!
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