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Chip Feedback
Rates are good but not possible to contact customer service. A few times I’ve needed to contact Chase and Marcus and always been able to speak to someone on the phone but it’s not possible with chip. The issue is it’s not true instant access like Marcus and Chase. Deposited 25K and it will only allow me to withdraw £500…
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NS&I website
Slightly off topic. Any idea why the NS&I website wants you to accept cookies on every page? It's the only website I've come across that wants you to accept it on every page you navigate on the website, usually you accept them once for the website and that's it
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HICL INFRASTRUCTURE
Hello, does anyone on these boards have this as an investment? I have about 10k worth of this and it has dropped no end over the past year. Would people consider buying more?
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Family BS Windfall Bond "6 times better winning odds than PBs"
I have just noticed that Family BS are offering a limited number of new Windfall Bonds. They claim "The odds of a Windfall Bond win are nearly six times better than Premium Bonds." I have no interest in this type of account so have not critiqued it.In addition to the prize draw, the bond pays an underlying interest rate…
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To save/invest or put in pension?
Hi all, So looking for some advice really, Our position, myself, 40, OH 37, 3 children aged 10,7 and 4 We currently rent but have the money for a house deposit with the view of purchasing next year. I work earning £60k a year and OH has just returned to work P/T after the kids have gone back to school- OH wanted to be a…
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Nutmeg Stocks & Shares ISA
Hello Have always used cash isa's however thinking of using this years allowance for a stocks & shares ISA for the first time Plan is to invest for approx 7 years , so thinking of a 7/10 risk stocks & shares ISA with nutmeg Anyone used Nutmeg for a stocks & shares ISA ? Any help / thoughts appreciated thanks
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$Dollar Index DXY advice needed
I see the dollar index is rising putting downward price pressure on gold. https://finviz.com/futures_charts.ashx?t=DX&p=m1 Questions I like to ask: - Is DXY index going up because Euro EUR currency is going down now? - Will all that money printing for stimulus cheques coming soon courtesy of the Biden administration, will…
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A Quandary...
Please can you offer me some advice? I have had a critical illness payout of 70k. My mortgage is 17k and is on 1.09% fixed for another three years. I have been overpaying £87 per month. I'm thinking it's daft to pay off my mortgage as the 70k is in a savings account getting 5%. I'll have to use some of that money to live…
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Ford Money Data Breach 1 August 2023
On 1 August 2023 Ford Money's Head of Marketing sent two emails to Ford Money savings customers about the result of a competition. Unfortunately, those two emails shared the email addresses and names contained in those email addresses to all other participating current Ford Money customers. I checked for the relative…
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Best options to save my money
Hi, I've just sold a property and have £55k to put away in savings. I'm living at my parents and not looking to move out in the short term. I'm happy to lock my money away for 6-9 months and I'm wondering would ISAs be better than fixed interest bonds? I want low risk with guaranteed interest but want to pay the least tax…
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FX fees on withdrawing cash from broker
Due to employer RSU sale, I have some cash USD in a fidelity broker account. i went to transfer it to my uk gbp Barclays current account, and it said I’d incur 2% fx fee at the broker. i was wondering if I could open a usd account at Barclays, and avoid this fee? Or is there another way?
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Inheritance and options
My wife has inherited 78k just recently and we are planning to put it into a fixed rate saver account for 2 or 3 years. Was looking at one of the high street banks as currently bank with them / mortgage with them (safe name etc). we are 2 years into a 25 year mortgage (both early 40s in our forever home). Owe 229k of which…
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Tandem Bank sceptic
I recently signed up to Tandem Bank's 5% Instant Access Savings account. I've been using Chip's Savings account previously which is 4.51%. Plan is to move my entire emergency savings from Chip to Tandem as they offer a higher interest, but I just don't have confidence in the Tandem app, does anyone else have the same…
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invest against saving
I have forty thousand pounds I would like to split between investing fixed 5 yrs and easy access savings Which UK bank is best suited to transfer too
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Childrens Savings account
I am looking for a Savings account for my 6 month old grandson who is permanently residing in the USA. Ideally this should be in his name and mature when he reaches 18 years old. So far, my efforts have proved impossible. No Junior ISA or Headstart Accounts appear to be available any more. Can somebody here advise please?…
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Santander Edge Account
Something to be aware of as it may matter to some people. Having been an existing customer of Santander for many years I applied for their Edge account, current and then the associated savings account. Both a hard and soft credit search was carried out even though I didn't request any overdraft facility on the current…
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17 year old savings
Hi I have to transfer my daughters saving account over as my current bank (intelligent finance) are closing all accounts. I know I can still apply for a junior savings account at 17, but will it only last for a year or is better of applying for an adult saver?
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Investing for income with the current market...
Hello, What has been your strategy in terms of buying for income purposes during the current state of the markets? I would be interested to know from those who are drawing an income from their portfolio. Have you invested more in the likes of Bankers investment trust. CTY or other or have you preferred to divert your cash…
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Instant access account paying interest in next tax year
I have used my PSA for 2023-24 and want an instant access account paying decent interest annually with the next interest payment in 2024-25. I opened a Cynergy account, which I read somewhere pays on the anniversary of opening, but my account page says "Next interest payment date: 02/01/2024" (and I have spoken with them -…
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Free work shares
I was given £500 in free work shares a few years ago. Now they are maturing and the only option I have been given is to have the shares sent to me as a share certificate. They will deduct NI and tax from these before paying them to me (even though I don't pay tax or NI -can I claim this back?) And then I have to sell them.…