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Tell me what I’m missing please - maximising savings.
Hi All, I have plans for this cash in around 5 years, maybe a year either side which is why it’s in savings rather than investments. Please poke holes in anything I’m messing up, I’d really like to push on and max my routine this year for savings. Monthly routine - Main sum is in Zopa easy access @ 4.45%, £300 into 7.5%…
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Home for Excess Cash
I’m looking
for a home for my excess cash, instead of leaving it in MM. My equities
allocation is at its ceiling of 37% plus I already hold 26% in short and intermediate
corporate bond funds. A couple of low risk MA funds account for a further 16%, which
leaves 20% to decide on. I’m
unlikely to need the cash but it should…
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Skipton Building Society - Albania
Recently I was on holiday in the Balkans. I have three Halifax current accounts, so pay £500 from each into Skipton to get the £5. Whilst in Albania, I was unable to log into the Skipton app, (comes up with unable to connect to internet). Nor could I access the Skipton website. My partner had the same problem with both app…
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Accounts that pay interest at maturity
My go to is NSI. I did check MSE and all the accounts they list as paying at maturity actually don't e.g. RCI. Does anyone know of any other banks that pay at maturity as an option. I am looking at a 2-3 year bond. thanks
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Atom transfer in issues
Has anyone experienced any issues recently when attempting to transfer into a Fixed term Atom Bank saver? I opened one recently but when I tried to fund it from my Halifax current account they flagged it up as a high risk potential scam on two occasions. This is quite strange as I have done this on previous occasions with…
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Nationwide “Fair Share” payment 2026
Just in case people were not watching the ML show last night, he mentioned the cut off dates for the Nationwide fair share payment, if they do indeed have one again this year. £100 possible in June if they do one. Need to be in place by this month, if they have the same rules as previous years of the payment. Thought I’d…
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After some investment advice
No judgement but my dear old mum has taken all of her workplace pension and stuck it in her current account. She didn't want the government to tax her again on her hard earned money. She is 65+, renting and there is £20k+ to play with. Note, us kids don't care about her leaving anything for us. Any advice is greatly…
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How can I make myself tax efficient
Hi there I was hoping to get some thoughts on how best to maximise my finances in a tax efficient way so I'm not paying as much tax on interest. I already max out my ISA allowance and a total 16% goes into my pension. No particular financial goals really. Based on the figures below, are there other things I should…
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Premium Bonds Available balance
Apologies if this has already been covered but I can't find anything definitive. I have invested £50000 into Premium Bonds but my available balance is still showing £0. I have also tried to do a test cash in but it won't allow me to do so due to no funds available. Any advice or comments please?
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Investing in Venezuela
Curious if anyone here is investing in Venezuela? For example, an IBVC stockmarket index tracker. Thoughts also welcome on sanctions, tax, local laws, etc.
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Where to keep my emergency fund
Hi Everyone, I finally have the starting's of an emergency fund. I've built up £1,000 via a regular savings account which comes to an end later this month. I now have no idea where to keep said money, I am planning to have another regular savings account this year and will add this to the 1k hoping building up a few months…
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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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Obtaining BBSI from HMRC
With a few accounts in banks and building societies, I was hoping to check that my reconciliation is accurate, and the same total that is sent to HMRC by banks and building societies. Is the information used by HMRC available? I reviewed my tax records and cannot see it; I only see the numbers I submitted on the SA form.…
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The turnaround story for Rolls Royce is incredible
I feel like a documentary should be made about how this stock went from £2.3b market cap on the brink of bankruptcy to a £100b powerhouse in just 5 years. Honestly this wasn't just a "covid pandemic recovery" like most stocks, this was a revolutionary turnaround that we only really see once in a life time. I can't think of…
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Santander Shares
Happy New Year everyone. As a Power Of Attorney I am having to complete a financial assessment for my Mother. She has Santander shares and they are asking for proof. I need to submit a copy of the shares Certificate. Where do I start please? I have no idea how to get this. Many thanks in advance.
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New transfer cashback offer from HL
They seem to be in a generous mood, and/or have lost too many customers. For S&S ISA, cash ISA, GIA ( Fund and share account as they call it. Transfer ValueYour Cashback£4,000 - £9,999£50£10,000 - £19,999£100£20,000 - £39,999£150£40,000 - £59,999£300£60,000 - £79,999£500£80,000 or more£1,000 For virtually all types of DC…
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Charter bank to Trading212 ISa Transfer hekpl
Can anyone help with a transfer of my cash isa from Charter Savings to trading212 ... Both online and phone help told me to use * our name: Charter Court Financial Services (Charter Savings Bank) * our Account Number: 83495248 * our Sort Code: 20-19-90 and then on the next page use my account number as the reference / roll…
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MSE News: NS&I boosts savings bond rates – here's how they stack up
NS&I has increased the interest rates you can get on all of its fixed-term 'British Savings Bonds'. Its new deals are strong across the board, especially if you're looking to save with a well-known name – though you can earn a bit more from the top-paying accounts elsewhere... Read the full story: 'NS&I boosts savings bond…
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zopa interest rate.
Am I imagining it, I swear last week my Zopa biscuit saver account
was earning 4.75% it’s now only paying 4.45% and yes I have been
paying in £500 each month to get the higher rate.
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Tax Efficient Way to Transfer ISA?
I
have £40k in a Tesco Flexible Instant Access Cash ISA. This is made up of £10k deposited
this 2025/26 year and £30k deposited in previous tax years. If I transfer £25k to
another provider to invest in a stocks and shares ISA, will all the £25k still be in an ISA tax free wrapper? If not, please what’s the most tax…
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