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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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Derivatives and other complexities in Man Dynamic Income
It took me a few years to get a basic understanding of bonds
– stuff about duration only really sunk in after interest rates rose in 2022 (though
by luck not judgement I mostly held short duration). The only actively managed
bond fund I hold is Man GLG Sterling Corporate Bond which has performed well since
its launch in…
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Monmouthshire BS Regular Saver 6%
For those who opened the Monmouthshire app exclusive RS at £1000 per month at 7% as well as the Regular Saver at 6% last August now is the ideal time to close and reopen the 6% one as it is still available to avoid the problem of £18k maturing at the same time I requested closure this morning after having zeroed my account…
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How to invest for kids
hi I’m in a bit of a strange situation, a close family member has given me a very large amount of money to invest for my kids future, massively kind and totally unexpected. The situation however isn’t as simple as adding the money to their existing savings accounts. I’m part of a joint UC claim as my partner hasn’t been…
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Virgin money regular saver 3 maturity
As above, this has now past one year since I opened it and paid in but no interest paid and it has not been downgraded, anyone know what's going on?
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£50 etoro cashback
Hey, I'm new to this. I saw this deal where I can invest £100 and get £50 cashback. Anyone done this? Does it work? https://www.goal.com/en-gb/news/play-the-long-game-etoro-sign-up-bonus/blt68d30c6cb1172b91
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Trust accounts
My 18 year old daughter has been bequeathed money from my late mum. The will states "Thirty Thousand Pounds (£30,000) to Xxxx on attaining the age of 21 for her own use and benefit absolutely". The solicitor dealing with the will says me and my sister ( who are the executors of the will ) need to set up a trust account for…
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Cahoot Sunny Day Saver 5%
Can someone help me with an interest calculation? My Cahoot Sunny Day Saver pays 5% annually on balances up to £3,000. I have £3,000 in it. Will I get £150? Or is the interest calculated in a way that means I get less? And would I be better off having a balance of less than £3,000? (e.g, £2,850, and putting that remaining…
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Help with limited savings
Hi, I have used up my ISA allowance and the amount I put into my pension for this tax year but have 40k to invest. I am a 40% tax payer and know if I open a savings account I will be lieable to heavy tax after £500. Martin Lewis discusses Premium Bonds but they sound perhaps not the way. My questions are: Do Premium bonds…
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Oxbury Savings Maturity - New Options
I have a FRB maturing on Monday. Yesterday I received an email from them saying they had launched new maturity options which may be of interest. As I had already provided maturity options they said if the new options were of interest either to use their chat function to contact them or to email them. They also said if…
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Skipton Members Draw
For those with Skipton accounts, maybe with only £1 in them, worth having £100 or more saved with Skipton as they are doing a monthly draw starting in October……..
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Does a large capital gain affect which tax band you're in?
Apologies for this question which I ought to know but don't and can't easily find the answer… If you're otherwise a basic-rate taxpayer, i.e. lets say you earn £40k, and you make a large capital gain (e.g. from selling a rental property) which gives you say chargeable capital gain of £150K, what rate of CGT do you pay? Is…
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Midas Man - Studio POW (Epstein) Ltd Film Investment
Does anyone know what is happening with the investments made in Midas Man and the other Studio POW productions? Studio POW Ltd itself appears to have been dissolved, although the Midas Man vehicle is still open. The websites and phone lines have gone - where has the film gone? All info woud be gratefully received…..
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A J Bell refer a friend
dont know if this has been posted before but https://www.ajbell.co.uk/investment/accounts/offers/raf
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Progressive Building Society - unable to access account online
I have a Regular Saver with the Progressive Building Society. For almost a week now, I have been unable to access my account. I can log in to the website but then get a message "Progressive Building Society’s online service is currently unavailable due to scheduled maintenance. If you need to contact us during this time,…
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Strategy for the next 8 - 12 months
Thinking out loud about how best to juggle maturing savings over the next few months, compared to short-term aims. My mortgage is down to about £2K after years of overpaying, and for the sense of achievement I'd like to fully redeem in the next month or few. It's at 3.99%. (Monthly repayment about £30). I have filled my…
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Fixed ISA Help
Hi, I am looking at moving my Cash ISA to a Fixed ISA with NatWest. I'm confused how Fixed ISA's work though. If I move to a fixed ISA and then for any reason I need the funds 6 months later, can I close the ISA or move it to a cash ISA and they would deduct 90 days interest from what has been earned, but then give me the…
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Do I have to wait until Monday for my F-Direct Reg Saver money?
Interest was paid in yesterday. I expected to be able to access the money today as I was debating between opening another reg saver or just simplifying my banking & sticking it in one savings account. Only to find that I don't seem to be able to access it at all. Still shows as regular saver, yet with £3,7xx.xx in it. As…
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Best way forwards for keeping records for tax purposes & password protection
Hello! Given the odd few conversations here and there and a very helpful private message reply too, I just want to see what people's thoughts are on how best to keep tax records - especially for things like regular savers, 1-year fixed rate savings accounts, ISAs etc. I understand that the level of pedanticism we go to…
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