-
habibbank 1 year fixed, no confirmation of deposit?
Hello I have applied for habibank 1 year fixed via the link from MSE (here), got email and mobile confirmation that I have applied however I noticed they do not provide youAny actual online bank login details to your account but rather ask for the deposit money first.I have yet to complete my full deposited amount into…
-
Another Facebook Investment Scam - TPP Global
Been running for a good few weeks by the looks, minimal Facebook page but lots of ads. Using website https://www.tppglobal.io but Website only registered in July 2023 yet claiming multi year trading history. Looks like they're using cloned details of a genuine firm called UCapital Asset Management Ucapital Asset Management…
-
MSE Guide: Autosaving Apps
Hello. This is the thread for MSE's Autosavings Apps guide Click reply to join the discussion. If you haven't already, join the forum to reply. Thanks!
-
Tax liability on child account
Hi all, I hope somebody can help with a tax query. This tax year, I am very close to reaching the £1000 threshold for tax-free savings interest. My ISA allowances are all maxed out. I'm a standard rate PAYE employed taxpayer. One of my numerous bank accounts earning taxable interest is a NatWest First Saver - a children's…
-
ISA rules question
Hello - wonder if anyone who is good with the ISA rules can answer my question. Got a variable cash ISA with existing funds in it. Not subscribed any new funds in this tax year 23/24. Have just opened fixed term ISA with same provider to protect rate for a year. Now separately, I have another normal savings account which…
-
Cash fund vs Gilt Fund
I have an L&G workplace pension that is approx 75% equities / 25% gilt fund of varying durations. It was 65% / 35% at start of year but the fall in value of gilts along with my last two monthly contributions being 100% equities have altered the split. I'm not comfortable continuing contributions at 100% equity but my fund…
-
Investment advice, please.
My current situation is- I'm 43 Employed as a teacher with 15 years of paying into a teachers pension. House worth £280k with £95k outstanding on the mortgage (11 years left to pay) Approx 12k in a 4.1% savings account Approx £1.5k in a junior ISA (Nutmeg stocks & shares) in which I pay my son's Child benefit. Between now…
-
Transfer ISA to Zopa from HSBC
Hi all, I have just opened a Zopa account in order to transfer my ISA from HSBC which pays a miserable rate of interest. But as I was about to transfer my ISA, it says they don't accept transfers from this provider (i.e. HSBC). I haven't found anything about this in their help section so I am wondering if I have done…
-
The "Save £12k in 2023" Thread!
So, the title is pretty self explanatory, but this is the place to be in 2023 :D it's that time of year, again! In 2023, the aim is to save £12k (or, any other amount if you like) from 1st January 2023 til 31st December 2023. I know it's early, but it gives you the time to plan for how you are going to do it. Please…
-
Vesting Stock Options Double TAXATION
I would appreciate
feedback on my tax status if anyone has some insight. I have stock options from my employer which, once
vested, I will sell. Company I work for is listed in New York Stock Exchage
(NYSE). I have completed a
W8-BEN form which should make me exempt from paying US taxes, but it is not
clear as in the past…
-
Old NPI Pension
Hi, anyone able to advise where to go to find a pension taken out with NPI in the mid 80's? Thanks for any help
-
Instant Access Accounts Paying Interest on 31st December?
Bridlington1 wrote a very useful post on the RS thread of RS accounts paying interest on 31st December. Just wondered if anyone had a comprehensive list for easy access accounts that pay interest on 31st December too. Many thanks N/Wide Loyalty Saver paid 30/12 Mansfield Tracker 90 paid 30/12 Cambridge NYP due today.
-
Help - Hanley Economic BS
Hi, I opened up a regular saver account with Hanley last Friday as a new customer & have been waiting for some paperwork to be received by post. I did get an email earlier from Hanley to activate my online account because I had a secure message from them - so I went ahead & clicked & my online account was apparently…
-
Maturing first direct regular saver disappeared from FD account list
Hi As per the title, my hubby's FD regular saver matures tomorrow [30th] but it has disappeared already from list of accounts. Is this normal? I didn't think it would disappear as such, just though it would change tomorrow from a regular saver to a standard saver. Has anyone else that has one maturing tomorrow checked…
-
Secure Trust bank
Hello, I've just registered a new account with STB . I was sent a temporary password, and logged on to change it. I got to the 2FA part but received nothing, prior to that the website was glitching and sending me back to the log in page. After 3 attempts I decided to ring them. The phone call was dreadful. he couldn't hear…
-
Coventry fixed bond matures 31st -no sign of cash yet
My Coventry fixed bond matured yesterday. It disappeared from my list of accounts sometime in the afternoon/early evening but it isn't yet showing in my nominated account [Santander] Should I just assume its because its a bank holiday? Is anyone else in the same position?
-
Tax free status....Premium Bonds and ISA's
Ive been thinking about this for the last couple of weeks but cant seem to find a definitive answer so here goes.Premium Bond prizes are tax free at source. Similarly with ISAs.However if Premium Bond prizes go into my bank account, do they then automatically become part of my taxable income. I know that the first £1000 of…
-
Is earned interest included in the £12,570 personal tax allowance?
I have no income from work or pension. Am I right in thinking that I can earn up to £12,570 per year from interest on my savings, without paying tax? Many thanks in advance for any replies!
-
Savings Advice
Hi, I am looking for some advice with regards to the best ways to maximise my saving ability. I am currently at University for the next 3 years, 32 years old and work part time earning around £1600 per month. I get the full student maintenance allowing of £10,500. I currently have: Premium Bonds - £5600 LISA - £4752…
-
Investing for future returns
Hi All, I have some funds with HL and large chunk of my savings in Santander esaver paying 2.75% Last year I used all my ISA allowance earlier than the April deadline and price dropped, so this year reduced my monthly ISA savings and still have over £14k of my ISA allowance left. Because I had bad experience in the past…