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Spring from Paragon
Hi all, strange one, a few days ago I chose Spring ( from Paragon Bank) to start a savings account , chosen based on rate (4.3% easy access) , access, and a good app, I got it from MSE , however just checking what else is out there and searching today I cannot find it anywhere, or indeed on other sites, any ideas? thanks
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Buying and selling on T212 without limit
I've recently sold about £40k worth of Amundi Global Tracker on T212 and set a limit slightly above current sell price. It is selling in dribs and drabs, about 30k sold in 24hrs, in about 14 chunks of differing amounts..... I also bought 40k worth of VHYL at best which went through immediately in two chunks of slightly…
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Investment Bond Captial Gains Tax query
I urgently need advice on capital gains tax for my joint share of a £130,000 Pru investment bond, which needs to be liquidated after my house sale now I am divorced. I'm a low earner (£25k/year) with two children, and this money is crucial for my new home, as agreed in my divorce. I also have an IVA of £30k which I am…
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Kent Reliance Isa transfer to Zopa
The letter from KR advising maturity instructions took over 6 days to arrive after being sent on 15 September, and I only opened it after we got home from holiday on Sunday. It matured yesterday into another 2 year fix, at 4%. I'm thinking the easiest place to shift it would be Zopa as I have a smart save account and an…
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Ford Money Flexible Saver Recent Interest Rates
Received an email notification that the interest rate on my Ford Money Flexible Saver will reduce from 4.18% to 4.04% wef 14:10:25. Although it shows as 4.18% online, my records show the last change as reducing from 4.35% to 4.27% wef 11:08:25 (the same date when the ISA did indeed reduce to 4.18%). Fired off a secure…
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Tradingn212 ISA moving between Cash and S&S ISA's
I put 10k into a cash isa with t212 last year. This year I added a further 20k. Then I moved the 30k from the cash isa into a t212 s&s isa. Its now worth 33k. Can I move the whole 33k back into the cash isa without tax inssues??? Or what?
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Cost effective way of selling LBG shares
I'm currently doing some housekeeping on finances and have the following query: I hold a small number of LBG shares held with Equiniti (around £120). My understanding is that they would charge a minimum of £45 to sell these, which seems disproportionate. Does anyone have a view on the most cost effective way to sell these?…
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Shares bought many years ago .. I don't know details
I bought shares many years ago, in a firm called IDOX Trouble is, I no longer know the details of where I even bought them from. How would i go about finding out and perhaps getting some money :) thank you
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1965 and 1982 Holdings
Hi, I am helping my elderly mother sort out Capital Gains implication on selling some shares that she bought back in 1962: I understand that their were two 'Make Up' events in April 1965 and April 1982 but it has been very difficult trying to find out any information about them (including on government websites, where most…
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Closest trad fund equivalent to HMWO
So... someone (not me) needs to get out of ETFs (it's a very valid reason but not one I can go into here) and needs an equivalent to HMWO, that they currently hold. Is there a slam dunk equivalent that they can use in the trad fund space?
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Tax on interest. Do I get the PSA?
I've retired and got about £9,000 from work before doing so this tax year. I'll already get the Personal Allowance of £12,570 tax free earnings, so any interest up to that will be tax free. Since I earnt below the £12,570 this tax year from non-interest earnings I think I get the additional £5,000 Starting Savings Rate.…
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NS&I: Premium Bonds - older than 1990s
Hello there I am the fortunate owner of £5 of Premium Bonds acquired within a year of my birthday circa 50 years ago! Woo hoo! I hear you cry: a whole £5. Well, yes, if adjusted for subsequent inflation (which painfully it is not) it would have been worth £33.89 in July 2025 according to the Bank of England's inflation…
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Britannia savings account
I was wondering whether you could help. My grandparents set up a savings account with Britannia building society from the day I was born back in 1991, both of them have now passed away, however I was never given access to this savings account, I therefore have no idea what value is in it (if any) or whether it is still…
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Help to buy or Life Time advice please
Daughter 24 lives at home, minimal outgoings and works in retail with various hours each week. so an irregular income. She's looking for work in the field she's got her degree in so her income stream will hopefully change but there is no guarantee. Taking Martins advice a few years ago she opened a Help To Buy ISA…
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Chip Savings
Hi, my Chase boosted rate is about to end so I needed somewhere to put my funds whilst hoping Chase send me a boosted offer again. I've seen Chip offer 4.8% for 3 months which would do for now. Are they reliable? Any restrictions on instant transfers? Thanks
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Oh Martin...
Anyone notice that when trying to explain student loans now he has a graphic suggesting income tax at 45% only starts at £150k+?
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Virgin Money 10.38% regular monthly saver
Hi, just wanted to say that it took me just a few pain free minutes to easily open a brand new Virgin Money M Plus account so that I could subsequently open up and pay straight into its 10.38% regular saver account. It's a maximum of £250 per month and maturity date is 31st July 2025 so that was £162 for about 8 minutes…
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investing life insurance payout
I have recently been widowed very suddenly at 54 .. my husband and I were not high earners and I only have a small pension pot built up (I am a nurse), but we had good life insurance which has left me with 250k after all my debts and mortgage have been paid off. I need this to work for me to replace his income. I have…
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Manchester Building Society Nominated Account
Hi people have said they can view their nominated account details online. Where is this as I cannot see mine? Thanks
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HMRC and savings interest
I am a basic rate tax payer and this year 23/24 will use all of my £5000 allowance & the £1000 sorry can’t remember their proper names and will need to pay some income tax. On my latest tax code notice 24/25 HMRC have put an amount of £396 for untaxed interest. First I should not have to pay any tax on interest for 22/23…
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