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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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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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Materials on DIY investing
I have been reading many posts (all very helpful) and I would like some recommendations on books, materials , etc about DIY investing in the UK market, so I can have some understanding and can do my own review my current finances (most important so I can decide on the next steps ), and then decide on how to approach,…
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Can day/swing trading be done with iweb sharedealing? If not which do you advise and general tips?
I will preface by saying I by no means want to use it as a get rich quick scheme. I am merely seeing it as a gamble and a bit of fun while also an opportunity to learn more how stocks and such work. I would set aside a few hundred quid and accept that is all 'lost' from the outset as a learning experience. I have already…
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iWeb Tax Certificate
I'm doing our tax return for the year ended 5th April 2024. The tax certificate from AJ Bell shows me the capital gain on disposals I have made from my dealing account throughout the year, but the iWeb tax certificate does not, even though I did make several such disposals. Is this usual would anyone know? It's going to be…
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Help with investment please!
Hello there, I have 70K sitting in my cash ISA, which I save up for years! I absolutely have no idea on investments and reading about this on Google just confuses me! I really need to invest for better returns. I am 44 and happy to lock my money away for five years. Can you please let me know what exactly I do to invest…
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Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go. As Cynergy only have to notify you if the…
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Non UK resident selling UK based shares
I am a British citizen, not resident in UK. I own shares held by COMPUTERSHARE, who are a stock transfer company. I am told by them I can not sell them because I am not resident in UK. What can I do?
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How are Vanguard's funds priced?
I'm not paraniod, but I have a look at the price of my Vanguard funds every day, just out of interest. Yesterday (14/06/24), looking at the BBC's market data, just about every market in the world was down, some substantially, including the S&P 500. Even the £/$ rate was down, so I expected my VG Global ex-UK and Global All…
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Tax on savings if no income
Hi everyone, I have a question regarding savings income and tax allowances for my wife, who is a homemaker with no income. If we put money into her savings accounts (outside of an ISA), does she need to pay tax after earning £1,000 in savings income in a year? Or does it work such that after the initial £1,000, it will…
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Opening the Close Brothers 2-year fixed via the Hargreaves Lansdown Active Savings
The deadline seemed to be valid till the 12th. I opened the Hargreaves Lansdown Active Savings on the 11th, but I opened the Close Brothers account today. I don't understand wheather the 12th June deadline was for the Active account only or the Close Brothers too (current interest rate valid till the 17th). Basically, will…
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Skipton Member 1 Year Fixed Rate Bond 5%
Skipton have launched a members only 1 year fixed rate bond at 5%. Have to have been a member on or before 12/06/2024. 1 Year Fixed Rate Member Bond Issue 1 5.00%gross pa/AER fixed * Save from £500 up to £15,000 * No withdrawals or early closure * Exclusively for existing members who joined on or before 12/06/2024 and…
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Tax on multiple changing savings accounts
I have multiple savings accounts to spread risks and move savings in the rapidly changing savings market. How do people know how much tax should be paid at the end of the year on interest where money and interest rates are constantly changing and moving between accounts to achieve the best interest. Does HMRC simply over…
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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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Cahoot online banking issue
Been trying all day. When I log into my online banking, it then takes me to my home page. Then whenever I click pretty much anything on my online banking screen, it logs me out automatically. Anyone else having this issue?
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Aviva terminal bonus
Have been paying into a savings plan since 1983 about £20 a month. Latest statement says it's worth approx £21.5k with 18 months to go. Due to a change in my working hours,I'm now looking to use this money to leave my job rather than working on for 5 more years. Is there a chance of a terminal bonus on this? And if so,how…
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General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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Opening an ISA with Lloyds.
I tried to make an appointment with my local branch, and was
informed I had to apply using my “mobile device”. I was wondering if anyone else had the same issue as there
is no mention of this requirement on their website.
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Shawbrook Login Broken?
Hi Anyone else having trouble logging into Shawbrook? It's randomly either saying my password is incorrect, or giving error message "Forced to logoff due to sesion expired" Password reset gets to the SMS code stage then fails with error "An error has occurred: Unable to save because this data has been updated by another…
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Nationwide Fairer Share Joint Acc Interest & Tax Query
Morning all - a query about the Nationwide Fairer Share payments. My partner and I have a joint Nationwide current account, and then I have a separate current account with them too, she doesn’t have any other Nationwide current accounts. We’ve both had the fairer share payments land today, mine in my separate current…
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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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Vanguard investment query
Hello all, just wondering if someone could explain the below. I have some money in Vanguard short term money market fund. I put in £22k and it's currently sitting at £21,969 so why is the total gain showing as £391.35 ??