-
Nationwide Fairer Share Payments all received!
All four of us have already received our £100, that's Me, Mr Cricket and two Cricket juniors. Nice start to the day to be £400 better off as a family! Not a boast, just a reminder to check your Nationwide accounts if not already done so. I seem to remember that payouts would be between 18th June and 4th July Lots of love xx
-
Beware Zopa!
I took out two Zopa savings accounts, one instant access and one 31 day notice account. FAQs state withdrawals to your nominated bank account are usually within 10 minutes but may take up to 2 hours. I requested a withdrawal on Friday evening (19/05/2023) from my instant access account and could see this money in my…
-
Raisin - Account verification & activation
How long does this take? Think I have left it too late to avail of the £100 bonus offer, as account needs to be set up by Friday
-
Quality Value ETF
Having been with Fundsmith since I started DIYing in 2017, I’m
losing patience. I still think quality is worth holding, but with markets now less
predictable than the one way street largely powered by QE, Fundsmith's concentrated do-nothing
style feels a little less appropriate. Fundsmith (the Stewardship/Sustainable…
-
Paragon Bank - login issues?
Just wondered if anyone else is experiencing problems logging in?
-
Kent Reliance - Verification of Identity
Tried to open an easy access savings account. KR asked for a bank statement to verify my ID. Posted first class on Sat - an idea how long they take to do this? Haven't heard anything. Will they email?
-
Property Investing vs ISA
Hello. I’m looking for some advice I have around £100k in a stocks and shares ISA, invested in a fund with an average return of 7%, and I have around £50k in other savings. I have no debt. I’ve been offered the opportunity to buy an investment property from a family member for £120k, which is below market value. It’s…
-
Tally Money vs The Royal Mint vs Invesco Physical Gold ETC For Investing In Gold
I hold a very modest amount in the Invesco Physical Gold ETC in my ISA. Outwith the ISA, I have been subscribing monthly to The Royal Mint's Little Treasures plan to build up a holding in gold, with which hopefully to treat the grandchildren at some point in the future. I also have a small sum in a Tally Money account. I…
-
Buying Gold - for savings
I can see from reading older threads on the topic of gold, that it causes a fair amount of divided opinion. Nevertheless, I'm currently thinking about investing a relatively small amount (say £10k initially,
to test the waters ) in gold, as an additional form of holding my 'savings' as opposed to seeing this as an…
-
Best way to Invest/Save to pay off help to buy
I’m late to the party and have never invested but looking for some advice as I’m finding it a bit overwhelming. I will try and give as much information as possible but if there’s anything that’s not clear I’m sure I can elaborate in the comments. I’m 41, spent last year reducing bills and clearing car/loans/ credit cards.…
-
Help with Inherited Investments please
My mum died recently, leaving me investments to manage. I am 20 and starting uni soon, so trying to sort all my finances, new and old, to the best of my abilities before I go and start a new chapter in my life. Hopefully what I decide now will be good enough to keep the same system long term whilst I focus on education and…
-
Flexible ISA and Investment Question
First of all I will say that I am well aware investing should be for the long term. I have a S&S ISA already but the question I have here is more specifically with regards to what is allowed regarding the ISA allowance. If, in one Flexible Cash ISA there was £80k, built up from multiple years, and another Flexible Cash ISA…
-
Help planning future investments - mortgage or invest or property.
hi I know this is a privileged position to be in, however, I want to make sure I'm making sensible choices. I know none of this is financial advice, but I want to see if I am missing something. I have an income of that puts me in the highest tax bracket. I have completely maxed out any pension contributions. I have filled…
-
which investment website to buy paper gold or physical gold investment for learner study?
I want to learn investment myself, which website/platform is learner friendly and lower fee? I was using barclays bank for shares, but I stopped learn it after losing a couple hundreds pounds, it seemed the gold market is good for the furture?
-
Where to buy physical Gold/Silver Bullion at Market price?
Hi, Looking to buy from a reputable place/website, preferably at market price or cheapest prices not asking price and do I have to pay VAT? Discount available for bulk purchases? Also which website abroad is reputable if abroad is cheaper and what taxes am I liable for importing? Basically looking to buy at the cheapest…
-
Gold sovereign purchase and first world problems
I've recently been handed an early inheritance in the form of a large wad of cash. Not a huge amount but more than is sensible to leave in the house. As I can't let my family and therefore my partner know (I love her, but she will tell someone) I was thinking of buying gold sovereigns as they're easier to hide and more…
-
personal allowances , "starting rates" and marriage allowance
Hi, have OAP pension of £10595.52 (24/25), annuity £1119.oo Service pension £3766.52 gross (paid £325.40 tax on this)and was paid £275.00 gross (paid £55.oo tax on this) for an odd job. My wife (Non tax payer) transferred marriage allowance to me £1260? . Does the transfer of marriage allowance add on to my personal tax…
-
Is ChatGPT right about our economy?
Is it true 🥺 ?
-
Personal Savings Allowance guide
Hi! This is the discussion thread for the Personal Savings Allowance guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks,
-
Tax code change by Savings income
Hi, I live in Scotland and have the following query I hope someone can answer. I earn £43000 per year and have made approx £5000 in savings interest over and above this. I know the savings income is calculated on the English tax rates so as long as my combined income and savings is under £50270 I won’t enter the higher…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.2K discussions
160.2K comments
Most recent: Turning 18 and ISA allowance by singhini
Today at 5:43PM
