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Savings account for our newborn
we have had a baby 2 weeks ago and want to set up a savings account for him Looking at putting away approx £50 per month for him to be able to access once he's 18 for a car/towards a deposit etc. Any ideas where is the best place to do this please? All advice appreciated
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Saffron BS - anyone here have a savings account or ISA with them? Good or bad?
Hi all I'm looking for a new ISA provider. I only want to use banks/building societies with a high ethical rating. Saffron are winning out with the highest interest rate. But there seem to be a fair few horror stories on Trust Pilot, so I wondered if anyone here has anything good or bad to say about them? Many thanks
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Filling out the 10-year anniversary IHT100d form for a trust
My father-in-law died a long time ago (November 1995), leaving his estate to my mother-in-law. Because his IHT NRB was not transferable in those days, she used a Deed of Variation to assign £120k of her inheritance to a new discretionary trust, of which she could be a *potential* beneficiary. The trust was created in…
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Is Monument Bank App Only?
It's not easy to see basic info, except by following their invitations to download the app and get started. Once set up is it app only, or is there also a web login? I'm looking for cash ISAs for us both, in my case once the bonus on Zopa runs out. In her case she has Gatehouse which is no longer competitive so should…
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INVESTMENT FRAUD - CLONE FIRM
can i have some guidance on all that i can do to protect my parents going further as my father has become the victim of fraud
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Raisin easy access account termination certifcate
I recently closed an easy access account with Raisin. A few days later my account was closed and my savings were paid into my nominated bank account. I then checked the termination certificate which gave details of when account opened and closed and final amount returned to me via Raison. I noticed a discrepancy of £31…
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Setting up a bare trust account for child
Hello, We are looking to setup a bare trust dealing acccount with AJ Bell. Donors would be grandparents of the beneficiary (who is 5 years old). Questions I have: 1) is it best to go to a solicitor to draw up the bare trust deed to make it bona fide a bare trust or is the aj bell form together with TRS registration good…
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Get premium bond details for inheritance tax form
I need to complete form IHT406 before I can apply for grant of probate. My late mum likely had bonds, but can only find an old holder number for her and some old bond accounts that she had and sold each year. The form in their website seems to be in regards to getting the money out. I called, but they say they have no…
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Annual Tax Cert' - Principality BS
I just received my annual tax certificate from Principality for year ending 5.4.25 It seems to only include open accounts and not any matured/closed during the tax year. In my case there are 3 accounts missing from that annual statement......just as well I keep my own records. Anyone relying on receipt of accurate info…
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Correct overall allocation
As I only have some basic information about investing, hence, I have chosen a global index tracker, as it 'mirrors' the market weighting . However, it includes some home bias. I am aware there are trackers which excl the UK but then it does not reflect the market allocation. How do others deal with this (including non…
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Is this allowed or is it considered an abuse of the system?
I recently came to learn that if I open a SIPP and deposited the money I have in my S&S ISA into it, the government will give me an additional 20% on top. Here's what I currently have. Company pension that matches my contribution up to 7.5%, which I'm maxing each month. Then I have my S&S ISA which I invest into each month…
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Charter Savings Bank - deposits & withdrawals questions
I've just opened a savings account online, and have sent a test £1 deposit, which I'm waiting to see in the account before I transfer more. I was wondering whether existing customers could answer a couple of questions: 1. How quickly do deposits (via bank transfers) typically appear in the account? 2. How easy and quick is…
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Secure Trust Bank logon problems today
Has anyone else experienced problems when attempting to logon to Secure Trust Bank Internet Banking? I use a bookmarked URL and usually get asked for user ID, password and then 2 characters of my memorable word. However, today I was also asked for my email and DoB, which then failed, despite being correct and now stating…
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When is tax to be paid?
Hi, I have several savings accounts opened in April and May 2024. One of them pays monthly interest into my bank account, I know when to declare that to HMRC.Another shows interest accrued monthly on the statement but the interest is only available when the account matures. The last doesn't show any interest that's accrued…
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Starting pension advice please
Hi I am 34, I am fortunate to own my own house worth approx £250000 but I have very little knowledge of pensions and realise I need to start somewhere. I am about to go freelance so my salary will be approx £30000.. I am looking at whether to open SIPP or S&S isa any advice would be much appreciated.
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2024 - 2025 Tax Not Calculated
I logged into my HMRC account today and it says it can take up to October to calculate. Is that right? I'm not self employed and have an employer however I started earning interest from savings in 2024 so I'm wondering if that's the reason it's not yet available, or is this normal? I'm wanting to prevent being taxed extra…
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Problem with NSandI site
I keep getting booted off the site, for no apparent reason. Is anyone else having trouble with the site today?
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technophobe granny savings account
My wife and I are both approaching our 'sell by' date ... I deal with all finances and have a couple of different accounts that all require smart phone ot computer , which is simple for me ... I want to plan for the eventuality of me going first , in which case my wife would have big trouble managing our money.... She…
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Sovereign Gold Bond
Anyone invested in these? Imagine would have done well over the past few years. Besides the link to gold pay an annual 2.5% interest too
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Investing money in Trust
My father passed away last August and left his house in Trust to myself and my brother, but has given his partner the benefit of Life Tenancy. She wishes to sell the house and buy somewhere else (which she has the right to do) and any residual money from the sale has to go into Trust for myself and my brother but has to…
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