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£1 premium bond
I've found a £1 premium bond in a box, i think it belonged to my father in law, he died 15 yers ago, no will , it was issued in 1964. what can i do with it, i know its only a £1 but still, its better in our pocket then the post office
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Using Lemfi for savings. Any feedback please
Hi, recently Which recommended LemFi for a great (clean) EA savings rate - 5% inc. bonus - via their App. FSCS protection by Clearbank. Does anyone on here have any experience of them please ? I'd like to place quite a lot of money with them. Cheers. Joe
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Long-dated Gilts as an investment
I'm a long term saver/investor but I've never bought any Gilts until this week. As a bit of a punt I've bought some TG61 (matures Oct 2061, coupon 0.5%). Not in an ISA/Pension. This was first issued in May 2020 at a price of £96.87 but is now priced at about £22. Clearly a disaster for the initial investors but seems like…
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Doom scrolling and the next financial crash!
I've been reading and watching many pundits who are warning about the levels if debt, particularly in AI, that have cause the markets to grow in the last couple of years. I normally ignore such Cassandras, but this time I find myself agreeing with many of their arguments. It seems like a pretty big bubble and anyone in a…
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£600K - prioritise ISA v SIPP for new money?
I'm starting to realise that whilst I don't know what the hell "the plan" is yet I'm starting to have more and more thoughts about doing something to reduce work. I can't put any detail on that as I really don't have any - just finding the idea pops into my mind a little more than it used to. So I'm 49 and right now the…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and…
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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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Bare trust for my two children
hello Banging my head against a brick wall here 😂 My children’s father passed away last year, they are aged 11 and 14. He has a pension with pensionbee. Pensionbee have advised that this can only be paid into a bare trust account. Whilst dealing with my children’s grief I’m finding this really confusing to deal with. I…
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Kent Reliance accounts going online
An elderly relative has a couple of savings accounts with Kent Reliance. KR are moving these to online management only. She doesn’t feel happy about online banking so has asked me to manage them for her. I have power of attorney although have never needed to use it before. She’s perfectly sound of mind; just doesn’t want…
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Struggling to open an NS&I Guaranteed Income Bond
I've posted some content in another thread about this but I'm getting frustrated. All I want to do is open an NS&I Guaranteed Income Bond, but I keep falling at the hurdles. I was hoping to do a bank transfer to NS&I but, for some reason, this isn't allowed. They only allow debit card transactions. To make sure my bank…
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Trust money to bank.
Hi My grandchild has a bare trust containing SMT . They will be 18 in a few months. Im trustee. Ive already been selling and removing some of it over the last few years into their cash isa . No room in the isas for this year now, but I sold about a10k part of t of SMT last Fri as I felt suddenly uneasy it would drop a lot…
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Skipton new app
Skipton have published a new app which I was notified of when logging-in on the old app this morning, it's called "SBS by invite" on the App Store, and seems simple enough to set up and start using, one improvement I can see is the ability to view closed accounts… Shame I only have their easy access with a £1 balance in…
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Joint account for 3
Recommendations for an easy access savings account for three members of same family? All to be able to operate the account individually ie. without requiring three signatures?
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Children inherited money
Hi, My children (16 and 12) have inherited around £8500 each from their grandpaents. The both currently have several Halifax savings accounts and I am looking for recommendations of what to do with this inheritance. Put it all in stock and shares isas? or split it between a S&S ISA and cash ISA? Or split it 3 ways between…
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Cahoot Instant Access Savings interest potential issue
My Cahoot instant access account pays interest Monthly. I recently "upgraded" the account as they were going to drop the interest rate. Without going into details (though if you'd like me to I'm happy to do so) The amount I'm getting has dropped substantially. Balance has remained roughly the same and the interest rate is…
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Hitting the high rate tax bracket + Ripple Energy/Ethex
I have to submit a personal tax return and my income is through £12.5k salary and the rest in around £37.5k in dividends from my own Ltd company. Last FY, I declared, for the first time some savings interest of £685. I was surprised to be hit with a 33.75% tax charge as this had apparently taken my income above the basic…
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Found an Old Share Certificate for US company
I have a share certificate, 5 shares for Agilent Technologies. I got this years ago as I had a small number of HP shares when Agilent was born. I'd like to ask if you know how I could cash this in. A letter that is with it mentions Harris bank Thanks
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Abbey Wealth - whats happenjng
I have been with Abbey Wealth for a while now and getting no luck contacting them or getting hold of my advisor. Anyone else having any issues?
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NS&I Guaranteed Income Bond - when do you start earning interest?
Question about opening one of these accounts… You need a debit card when you apply, which suggests that the cash will leave your current account when you apply. They they aim to have your account open in 7-10 days, so do you start earning interest immediately, or after 7-10 days when the account is opened?
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Useless Chatbots
Just tried using Cora (Ulster banks chatbot) to ask what I thought was a straightforward question. "where can i find which issue of limited edition saver i have" Answer "I can see that you have an error message when trying to login to your Anytime Internet Banking. Which of the options below best describes the issue you…
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Most recent: Cash ISAs: The Best Currently… by Angelica123
20 September at 7:32PM
