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Godfather of Ai
Hi just watched a video where Geoffrey Hinton was talking about the risks of Ai and especially super Ai one of the risks he put forward was the increase of bank cyber attacks and he said he has at least 3 different bank accounts to mitigate what he think is going to be an increasing cyber attack on banks once super Ai is…
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Superbia
The firm of financial advisers we use has sold out to Superbia and changed beyond recognition, bar its name. The managing director has retired, the older directors have disappeared, and what remains of the company has relocated to managed offices. The people I recognise on their website now are our adviser and his…
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Royal London Platinum Bond Plus and care fees
My mother's cash savings have dipped under the ~£23k. Alongside her savings she has a Royal London Platinum Bond Plus https://www.royallondon.com/existing-customers/your-products/manage-your-investment/platinum-bond-plus/ at around £30k.This was taken out around 20 years ago. The bond is described as "a lump-sum…
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Plum lock out of account
I have had a plum savings investment app for approx. 3 years, nothing fancy, just a few pounds here and there. Last week the plum account would not accept my pin code on my phone to log in and I have tried everything to try and get back into my account but nothing works. You can't chat to Plum as you need to be in your…
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Tax-free lump sum
With the public finances seeming in a worse state than ever, and with the government seemingly unable to get even small cuts in spend past its own MPs, I'm worried again about another private-sector pension raid. I have protected status within my SIPP so can take out £450k tax-free. I almost did it last year - well…
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Investing parents money from house sale.
My parents are both in a care home. They are both in their 90s, mum has dementia and dad has virtually no mobility and is increasingly confused. In order to pay for the fees and to avoid the house being empty for too long (it has already been a year), we are just beginning the process of selling their house which is likely…
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Iweb Cancel an order Help.
A bit of advise please . I placed two orders on iweb ( one for Legal and general tech + HSBC world tracker )on the 3rd of July at 4.25pm which I want to cancel if possible. On the iweb pending page it shows them in the pending deal - as active ( This order has not yet been executed ) but I cannot see the option to cancel…
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Birmingham Midshires Dormant account now with LBG
as POA to MIl have found a letter broom Bham Midshires from June2010 for a bond with a very substantial balance that MIL and family are aware of and no other paperwork found. Registered with Mylost account and within 24 hrs has a Not Found reply. In the comment I have advised the account details, exact letter wording and…
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Can I trust Monefi?
Hi, I am currently looking to invest a sum of money (part of our pension fund) with Barclays via Monefi. I know they are a relatively new comer to the Financial Services' market, but don't really know if I am taking a major risk by going via them?! I am looking at opening a Bank bond which I know is safe and protected by…
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Review of the Financial Ombudsman Service
The government had announced a review of the Financial Ombudsman Service and is seeking views of their proposed changes https://www.gov.uk/government/consultations/fs-sector-strategy-review-of-the-financial-ombudsman-service At a quick glance, several of the changes may lead to less favourable outcomes for customers.
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Digital regular savings account
I have this account with my bank paying higher interest up to a max balance of £5,000 thereafter it drops to 1%. What happens if I stop making regular payments at the limit ?
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What's the advantage of a SIPP?
Hello everyone, I just typed 'SIPP' into the search bar, and have a lot of results to go through, but I thought I should try and ask my question, in a clean thread. I've never had a SIPP, and never really earned enough to be bothered. But I have mentioned in the past I have some inheritance I'm trying to make the best use…
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Declaring interest on fixed term savings accounts (non ISA)
My partner and I both had identical one year savings accounts with MBNA starting in March 2024. Mine ended in March 2025 and my interest will be declared in my next tax return. However, my partner opted to 'renew/extend' his savings account so the interest accrued became part of the new principal amount saved. Our question…
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Query Scottish Friendly Policy Maturity
Can anyone who has recently claimed their policy payout on maturity from Scottish Friendly advise whether you did have to send in your original policy document. Letter and forms said yes but customer care (who also stated they didn't know how each policy worked) stated that I did not have to.
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Investing my Inheritance Money
So I've been fortunate to inherit £160k from my grandparents, the money is currently in an interest savings account. I have a 37 year mortgage at 4.59%, and money being paid into a workplace pension scheme by my employer and also a private pension. With the money i obviously want invest to invest in other such as stocks…
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Advice on savings and ISAs
Hello everyone, I have recently managed to pay off some debts I had and I'm finally in a place where I can start saving consistently. According to my budget, I should be able to save around £700 a month. I already have a Save to Buy ISA (I opened it about 5 years ago when they announced they were going to stop the scheme),…
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Is Apple’s Numbers a safe app to use for financial spreadsheets?
Would you use Apple’s Numbers app to store your financial information on? If not, why not and what do you prefer to use for such things?
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Where and how to place ‘trust’ monies
Long story short: MiL and FiL jointly owned house as tenants in common. FiL passed and will allowed MiL to stay in property or ‘use’ sale proceeds to purchase smaller as required and his share would be shared out when she finally passed. MiL sold house bought smaller flat with all FiL’s share being used to purchase flat,…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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How should I invest my Inheritance money?
Last year I inherited £10k from my grandparents. I have had it sat in a savings account with an interest rate 4.72%. I own a stocks and shares ISA with vanguard (worth around £20k currently), in which I invest a few hundred every month into either LifeStrategy® 60% Equity Fund - Accumulation or LifeStrategy® 80% Equity…
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