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As a PAYE taxpayer, how to complete a BBSI letter from HMRC?
I've had a letter from HMRC stating that I have untaxed interest for the 2024-2025 tax year, and instructing me to provide "information [for] each bank and building society account". I have had at least* 14 cash accounts in the year; their form allows space for just four, and says to continue on additional sheets. The form…
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What to do?
I have recently become mortgage free so I have a bit more money to play with. I currently put away £400 a month in 2 accounts and have £4k sat in a Santander high interest account. I reckon I can afford to save another £200 to £300 a month. I've also been tracing all the pension funds I've acquired from various employers…
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Scottish Power Takeover scam
My wife was approached as a Scottish Power shareholder by an American caller asking if she wanted to sell her shares to a secretive buyer who is trying to take over Iberdrola, who own Scottish power. The story is that the buyer wishes to remain anonymous until s/he/they have acquired enough share backing to launch a…
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Index-Linked Savings Certificates Growth Calculation
I appreciate that I am probably in the dying-breed of people hanging onto Index-Linked Savings Certificates, however, I do not understand how the growth is calculated (I thought I did!). One of my certificates recently matured and the growth seemed rather low. I queried how growth is calculated and received the attached…
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Is there an ETF equivalent to vanguard global short term bond index hedged?
Just as the title says.
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Adding name to existing ISA account
Hi wanted to know if we can add adult children’s name to our existing ISA high income - ( parents) both have separate accounts . Thank you
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SSAS Pension - Finding a Stock Broker
Looking for recommendations / experience from anyone with a SSAS as to which broker platforms will open an account for a SSAS held by non-corporate and non-FCA regulated Trustees (ie me and my business parter are the Trustees). Our limited trading company is the sponsor of the SSAS. I have various SIPPS and am familiar…
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Plum Cash ISA
Might be worth flagging up the terms for the cash ISA. I understood that I would need to retain for 12 months to get the bonus interest. At12 months I was told that the bonus would arrive at the end of the month. that has passed - no bonus. I contacted again and was told “at the end of the following month”. However, if…
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Looking to invest
Hello, I am looking at investing and would appreciate any guidance or pointers from the knowledgeable people on this forum. I don't have the knowledge or expertise to look at what companies etc to invest in, so ideally would be looking for a ready made / 'off the shelf' product, if such a thing exists. Looking at investing…
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Minimum opening balance £1,000.
Looking into opening another regular saver account and
have looked atAldermore https://moneyfactscompare.co.uk/savings-accounts/regular-savings-accounts/ View further details states a minimum monthly deposit of
£25 but when you click onto Go to providers site it states Minimum opening balance £1,000. Can someone explain…
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Are there any millionaires who contribute to MSE?
And do any of them attribute any of their achievement to the advice and guidance given and available on here? I'm some way short of that target but I do feel it's possible. Thoughts?
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Transferring away from Quilter
My wife was recently dropped as a client by her Financial Planners for missing the annual meeting 😂 We now need somewhere to move her small private pension - £60k. She will be mostly invested in ETFs and trusts only. Can anyone advise on the process of transferring to SIPP elsewhere and which companies are best in terms of…
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Kent Reliance withdrawals
How on earth do I withdraw to my nominated account Seems to be no link... Have issue 82 Is the issue i am trying to do it on the mobile???
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Upto 1 month fixed savings?
https://moneyfactscompare.co.uk/savings-accounts/ Hi. I am confusedwith this what is up to 1 year and 1 year fixed. I thought to get the best rates it had to be a fixed period of time. Paul.
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Santander Investment Hub issue
Hi everyone, I'm having some serious issues with the Santander Investment Hub and was wondering if anyone has had similar? I have a small S&S ISA and decided to add £1,000 to it from other savings. First ISA deposit of the tax year so no issues, coming from a Santander bank account, thought this would be very simple. I…
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Maximum withdrawal limit?
I have been through a tough time with nightmare tennants. At last I had my property on the market and the sale is going to complete very soon. After the sale as the money is legit its coming from a house sale is there a maximum limit on what I can withdraw by giving notice or will there be questions asked? I am banking…
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My Portfolio
Here’s what I did......for comment, to adapt or ignore. Following the markets correction in April, I decided to put together a new portfolio, something that I was going to be very comfortable with and one that befits my advancing years. I had several objectives, all of which have been met. The most significant is my desire…
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Buying shares
I’m thinking of purchasing some shares, through my limited company, in Berkshire Hathaway (class B shares), and would welcome advice on the cheapest and best way to do it? I have some company funds invested in an index fund, through an IFA, but I’m not sure it’s great value, due to the fees etc. One thing that concerns me…
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Inheritance
So we are due to get some. It’s a 4 way split house sold around 4 weeks ago and person now living there. The funds are in solicitor account. Not sure what the delta is there’s definitely nobody owed any debt. Obviously nobody can say when we will get it here but my worry is this drags on years? They did suggest months but…
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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