-
Spreading the risk: too much digital and in cash
Aside from my home (owned outright) pretty much all of my other assets are in the hands of building societies and banks (digital cash largely). I've been getting the jitters recently about digital 'armageddon' or the like, (I know, I know, I'm paranoid, but cut me some slack please) and have been thinking about what, more…
-
Imminent life-changing inheritance. What to do first?
Hello, I am a long-time lurker but have not posted before .I have been looking through various threads so have a very basic outline, but I am looking for some advice on where to go, who to speak to etc., along with what immediate steps I should take. I will be receiving a life-changing inheritance very soon (£550k) on 3rd…
-
NS&I ‘Pin Locked’ issue
I’ve been having some trouble getting into the NS&I website to withdraw money from Premium Bonds. They say that my PIN is locked for some reason (even though I have no record of having a PIN) and the website tells me to call a phone number: 08085 007 007. Is this a scam? Should I be concerned? The website appears to be…
-
General Investment Account record keeping
Hi Each year I always max-out my ISAs, SIPP etc... A couple of years ago I started investing in passive index trackers funds in my General Investment Account (T212 and Vanguard platforms). I dont plan on selling anytime soon. I view these investments as long term holdings. I read that - for reporting tax etc - its far…
-
Forgotten pin for Chip account
I normally access my Chip app account via the finger print option on my iPad. Today after a long time and timing out when logging in I now have to put in my PIN number. Foolishly I have no idea of where I noted the PIN number down and so have tried to use their “forgotten pin number” contact option. But all you get is an…
-
Tax on savings
Hi, I'm a basic rate tax payer, I have an ISA and other savings. The interest on my other savings will be less than 1k. Am I ok in thinking I won't have tax to pay? I'm confused on the 0% Starting Rate for Savings and the Personal Savings Allowance
-
Not Proceeding With IFA Advice?
I recently discussed retirement options with an IFA, AFH Wealth Management. While I got on with the adviser, I'm not overly impressed with the advice which, to summarise, was to transfer everything to them in a new SIPP with discretionary service of that SIPP bundled in. The reason for not being happy with the advice is…
-
Avoiding paying tax on a gift.
My MIL has just gifted myself and my wife the best part of £200K. Apart from opening an isa now and after 06/04 and buying premium bonds of £50K is there anything else we can do to protect the money from tax?
-
Equiniti Shareview
I have a number of certificated shares recorded with Equiniti Shareview. I want to convert these to digital, and then sell out some of the holdings. Can I use any trading service, and just sign up and send them my certificates and forms, or do I need to go only through Equiniti Shareview? EQ charge 1% to trade so the fees…
-
85k Protection Limit
I have a Barclays Mortgage and savings providing interest relief on that mortgage amounting to just under 85k. I want to take out a Cash ISA with a non-Barclays ISA provider who state within their literature that they lodge the ISA monies with Barclays. Question: If the ISA monies are lodged with Barclays, by a…
-
Chase Bank - Oversubscribed? Struggling to get a transfer out
Not sure if anyone else will have experience of the same but I am having difficulty in transferring my money our of the Chase account I set up recently. Unlike many I managed to open my Chase account relatively easily and was becoming quite impressed with the App based service. However....... Yesterday morning I tried to…
-
Valuation of asset from a past date
Hi, I need to value assets for a divorce, and as we are in Scotland, need to use a date from last year. Does anyone have experience of getting valuations of assets for a specific date in the past? I know I can do this for a DB pension, but will also need to value ISAs, bank accounts and DC pensions. If I have to work it…
-
Best Instant access rate ATM
Hi I currently use Hargreaves Landsdown for my saving etc.... My current rate is starting to drop, so I am looking for something with a higher rate atm.... I have found this, just wondering if there is anything better than this about atm: GB Bank Protected up to £85,000. * AERAER (Annual Equivalent Rate) shows what the…
-
Best easy access acct WITHOUT an app?
My 89 year old father has a significant amount of money all deposited in one bank. He already has a fully funded ISA for this year and is now looking for somewhere to move some of his money to so that he can still be protected by the eighty five thousand pound per bank legislation. Not a single high street bank in our…
-
Shares
Hi I have some santander shares but I don't know how to find their value, can you help
-
Closing the Edge Saver account
My 7% Edge saver account finishes its bonus part of the interest next month. I gather if you withdraw the money and close it you can then open a new one for another year at the current bonus rate. Can you close it via the app and if so how? Can’t see anything obvious.
-
The Bank of England
LONDON, March 11 (Reuters) - The Bank of England said it allotted 2.127 billion pounds ($2.75 billion) of six-month funds to banks at an indexed long-term repo operation on Tuesday, the most since April 2020 during the early stages of the COVID-19 pandemic.The ILTR facility offers cash for six months against a wider range…
-
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?
-
Savings Accounts Used To Fund Regular Savers
Hi, I seem to spend lots of time trawling the internet looking for savers that pay a good rate and allow direct debits. (automated regular payments out) I want the account to take advantage of the interest while using regular savers. I would appreciate it if someone or even all of you could help me with this please ? Thank…
-
Recently widowed and lost with finances
My Husband passed 3 years ago, suddenly and traumatic, we were also fighting the LEA on my youngests EHCP, so after doing the essentials I reached burnout, I never sorted my finances and I'm feeling totally over whelmed. I don't work due to physical disability, I also care for 3 Autistic young adults. We get no help from…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21K discussions
158.1K comments
Most recent: Cash ISAs: The Best Currently Available List by Patr100
Today at 4:29PM
