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AGMs - what do you do?
Now I’ve got accounts with a fair few building societies it’s the season of the year with emails and post giving me the opportunity to vote. I’ve voted a few times before - mainly because they were offering charity donation for voting papers completed or just because I felt obliged to. The reality is I would usually go…
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Personal investment
I am in a reasonable position. Equity in the house, savings in the bank (including an ISA), a reasonable income, decent standard of living and a surplus each month. I want to make my money work for me. I dont mind having a side project - such as a buy to let - but would appreciate some thoughts. Should I just pay more into…
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Renewal of Index-linked Savings Certificates and death of holder query.
The latest information from NS&I advises of changes in the operation of Index-linked certificates one of which is the "No access during the term" rule. The only informatiion given about the death of a certificate holder is if the holder dies, the Cerificate will become part of the Holder's estate and the Certificate will…
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Flagstone - which firms using this name are safe to use?
There are several companies with the name Flagstone but all seem to have FCA restrictions. Is it worth considering them for savings?
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National savings certificate.
I recently acquired a 50 pound 2nd index linked issue National Savings Certificate dated May 81 in a package of documents from Barclays, held on her behalf by a deceased friend of my late uncle. The will in the package was 1963, she died in 1990. The package had been opened by the bank as they knew she had died, but…
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Monument Bank - how the 25k minimum balance works?
MSE is listing Monument as a top rate normal savings account (4.75% with up to 3 withdrawals per year). It has a £25k minimum balance requirement across all accounts you hold with them. I use my ISA allowance for shares, and I have an Atom account. So I opened a Monument savings account but have not put money in it yet. I…
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Error on HMRC personal account for tax paid 23/24
Hi - has anyone noticed that when they log into their HMRC personal account it says that not enough tax has been paid for the year 23/24 even though for the last few months it said that the correct amount of tax had been paid? The next page says 'There is a problem and the amount you owe may not include any recent payments…
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Coop 7% saver but no longer a customer
Hi I’ve just switched from the Coop bank, will I lose access to the 7% interest Regular Savings account now I’m no longer a customer? TIA
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Leeds building society login
Has anyone else had any trouble viewing their leeds BS accounts on their new online dashboard? I've tried to message them about it but they haven't responded in over a month. I previously was able to get into the old online dashboard system by applying for an account, but this doesn't work anymore.
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Best easy-access joint savings account with pots/spaces?
We are looking for a joint savings account with the 3 main features below, anyone know of anything? 1) Easy access joint savings account - as the money will be used for annual bills & stuff. 2) a decent rate of interest - we have separate products for real savings. 3) The ability to have separate & identifiable pots or…
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Calculating Gilt return on capital and coupon
Recently retired and wanting to invest some new capital into gilts. This is to minimise future tax on savings/stocks. After doing some research, I like the idea of purchasing individual gilts. To minimise possible savings tax, I'm considering buying discounted gilts with lower coupons (eg TG26). I'd appreciate a sanity…
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Transferred into the wrong acct by doing so also overpaid into an ISA...
Somebody I know has a Coventry ISA, opened this year, that they paid £19K into when they opened it. They also have a Coventry instant access type acct with £1k into it. They've just transferred £4k from NW and accidentally transferred to the ISA (it was meant to be xfrd into the IA account). The money hasn't shown up yet…
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Have I understood gilts?
So if bought in an ISA wrapper, based on buying and selling in one full year, using this gilt as an example: https://www.ii.co.uk/bonds/6-treasury-stock-2028/LSE:TR28 18,382 bought at 1.0880 on April 1st 2024 = £19,999.61 (initial investment) + 6% = £21,199.59 (difference = £1,199.98) 18,382 sold at 1.0668 on April 1st…
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What to do with £40k?
Hello I have around £40k sitting in a cash ISA. just curious as suggestions what you would do with it? Bit of details: live in a property worth £240k, have a repayment mortgage of £160k on it at 3.16%. Have a rental worth £130k, with a mortgage of £90k on it, interest only at 3.70%. Interest and service charge a month =…
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Child Turning 18 on 5 April... any savings tips?
Just that really. Could she open a LISA and catch this year's benefits? Anything else we should be doing last minute (totally on brand for me I'm afraid...)? I'm anxious that me not being particularly savvy and her being single focus on her A Levels might cost her some £££s down the line. Thank you!
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Non-fixed savings account pays interest annually. So would that hit next year's PSA?
Hi, Does anyone know a definite answer to this? If I were to open a savings account next week at the start of the 25-26 tax year which pays interest on the anniversary of its opening (so that would be the start of the 26-27 tax year) then would that interest count towards PSA allowance for the year in which it's paid? I…
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Share certificates from a deceased family member
Recently discovered various share certificates from a deceased family member. How do I check the companies are still valid and how do I sell these shares after probate ?
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So....April 6th
Those ready with lump sums to invest come Monday (and a long enough time horizon) are you at all put off by investing into equities right now? I'm still very new to investing (2-3yrs) so the recent Trump related dips and maybe blockchain volatility are the only times I've seen the boat rock so to speak. Yes yes I…
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Business Savings Account
hello all! looking for the best easy access business savings account. this will be for an LTD company that another company also need to pay into. Thanks!
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The Prudential Regulation Authority proposes raising FSCS deposit protection limit to £110,000
Since the £85k limit comes up quite often here, this looks of interest. The Prudential Regulation Authority proposes raising FSCS deposit protection limit to £110,000 | Bank of England The Prudential Regulation Authority (PRA) has today proposed to raise the deposit protection limit of the Financial Services Compensation…
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