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"The Save £12k in 2024" challenge
This is the new Challenge thread for savers in 2024. The challenge starts on 1 January 2024 and finishes on 31 December 2024. Please report monthly and I will record totals on a spreadsheet. Link below. https://docs.google.com/spreadsheets/d/1-frtVz3nhAXAKlcjM5zqNyiLfSopVsc_tPK9Y_r7jPM/edit?usp=sharing You can save £12k or…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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Ulster Bank will not recognise Lasting Power of Attorney from England
I have a difficulty with the Ulster Bank, which will not accept the
LPoA for Property & Financial Affairs donated to me by my mother
in 2012. The LPoA is registered with the Court of Protection in
England and Wales. She is British and lives in England She recently opened an easy access
account with Ulster Bank, as the…
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Santander Easy Access Saver - What to do with it?
What are peoples plans once the rate drops on this account on 20th May. Move the money out, obviously ;) But what of the account itself, especially if you opted for annual interest (Like i did) Will you leave a £ in and then just wait for the interest to be credited, at the anniversary (Sept for me), in the (vain) hope…
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Regular Savings Accounts: The Best Currently Available List!
1. Introduction Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area…
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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Free trading offer from HL. £100 for 7 weeks
Might be of interest to some, especially if you were going to trade anyway. Free trades between 1st May and 21st June. New and existing clients. Takes a bite out those £11.95s * Subject to these terms and conditions, you are eligible to receive £100 worth of free online share trades between 1 May 2024 to 21 June 2024 (the…
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IFA fees
I was hoping to get my ISA stocks and shares, the proceeds from the sale of my properties reviewed and replan if necessary with the IFA ( financial planning and wealth management business) I had used. Unfortunately, it had been bought by Company X. I would like to know 1. What are the annual returns for low, medium and…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Cynergy Bank - bad login procedures
What a really rubbish bank, I've had over 25 savings accounts over the years and this bank has the worst procedures I've ever dealt with. To start with their app is beyond awful due to the bank's infuriatingly difficult and fiddly to use login procedures. I work in tech, so have a good understanding of how things should…
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Zopa alternative
I deal with all the money here and recently opened a Zopa account and transferred an iSA into it on my OHs behalf( with his permission and cooperation) So far so good, however now I would like to open a Zopa account on my own behalf but it seems I can’t have two apps on my iPad ( or under one Apple ID ) Does anyone have a…
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HL trading charge refund promotion
https://www.hl.co.uk/features/get-investing Offer runs until 24/6/24… I’m assuming “trades” refers to buying or selling?
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Getting all my shares in one place
I have a share portfolio (mostly inherited) which I have with X-O (the no-frills arm of Jarvis Investment Management) because there's no standing charge for them to simply hold the shares for me. However, I have some shares in Shell - also inherited - that, for reasons unknown to me, are held in a nominee account with…
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trading 212
i would like to invest small amounts regularly and choose which companies, just wondered if t212 is a good platform to begin with?
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Barclays saving bond.
Hello. I've currently have a bond with barclays which matures in July. Can l open another one before or have l got to wait for the term of my first bond to end?
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Secure Trust Bank App
App has been updated today. So glad they now display my 1 and only account at the top of the screen (like every other banking app already does) and not the bottom of the screen
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Scottish Tax Advice
I am thinking of cashing in a in a Halifax PIP plan Initial investment lump sum of £50k Nothing else invested no previous withdrawals and held for 17 years. It says the proceeds of my plan are payable free of any personal liability to UK income tax or to capital gains tax There is no liability to the basic rate of income…
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The Top Easy Access Savings Discussion Area
This thread is specifically to discuss the Easy Access Savings article Which includes the new free Savings Calculator tool. To discuss or ask a question about this article: click reply
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top EA discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10 available to open & manage online Easy Access accounts, with links. The purpose of this thread is to ONLY…
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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Chargeable Event Gain
I am thinking of cashing in a in a Halifax PIP plan and understand i will receive a Chargeable event gain certificate. Not quite sure what this is. I am a basic rate taxpayer in Scotland. Initial investment lump sum of £50k Nothing else invested, held for 17 years And gain would be approx £73000 Do I have to pay tax on…
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My new savings Plan
So me and my fiance are getting married this year. We have had TERRIBLE financial education which meant we racked up a lot of debt very quickly between 18 and 24yo. After financial advice I went bankrupt (scotland) 2 years ago which is now discharged and my partner is going bankrupt this year. However the point of this…