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Regular Saver 13th payment list anywhere?
Hi all, I've just gone down a wormhole researching whether or not I can make a 13th payment to my 8% Nationwide regular saver account which matures on 13th November, after I made my standing order on the 1st of each month once I'd initially funded it in the middle of November. I'm fairly certain that I can make a 13th…
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Who has a crystal ball? Fixed bond for one or two years?
I have my pension lump sum in an NS and I Income bond, It’s due to mature in the next few days, I took a smaller pension and a bigger lump sum, So I really do need the income from the savings bond. Already going to be down quite a bit of money from Last year‘s interest rate to what they are offering now, Fixing for two…
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Santander COP workaround
Opened account with DF Capital yesterday. Went to make initial deposit this morning from my Santander current account. Used COP to check it was me. Tick. Then went back and changed the payee name to DF Capital as don't want all my payees to be mebu60 as I won't be able to easily distinguish which savings institution I am…
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Can I notify HMRC that I no longer have large amount in savings, to change tax code back?
Hello, I had a large house deposit sat in saving for 2+ years and accrued a lot of interest so HMRC updated my tax code in April. Now I have bought a house I only have savings in ISA, but am still on higher tax code. I'm sure i seen somewhere saying i can notify HMRC that i no longer have large savings and low interest but…
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oxbury bank - withdrawal timings
What has been your experience with withdrawal timings from oxbury Personal Easy Access Account to linked current account? I did a test a few days ago. unfortunately, I made the withdrawal just after the cut-off time of 1 pm on weekday. It was done at 1:23 pm on 13.05.2024. The money arrived at my nationwide current account…
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Getting an Education: Starting Out
Wanting to educate myself a little I'd love some suggestions of books to read or even stuff to watch. I have a pension (set up by an IFA many years ago with Scottish Widows) and my own limited company pays in £2k a month and at 62 I find myself thinking I know very little about investing at all and I think I would like to…
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Monies held by Landsec through Eqiniti
My Father passed away 9 months ago and we informed Equiniti. He has holdings with Landsec but we cannot seem to get them released. Equiniti have said that we need to wait for Landsec to contact us but Landsec say to contact Equinity. Does anyone know how this works? Thanks
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Lloyds Online Banking problem
Lloyds online banking was down for several minutes just after 11am. today. It is now back up BUT the monthly statements are blank. Anyone else have this problem?
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Fixed term savings interest paid annually?
Hi could anyone advise me if there are bank accounts/institutions that have accounts available which allow you to withdraw your interest earned annually or payout your interest annually whilst still leaving the initial lump sum invested, i.e the interest is compounded if you have for example a five year fixed rate deal? I…
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Cynergy Bank - bad login procedures
What a really rubbish bank, I've had over 25 savings accounts over the years and this bank has the worst procedures I've ever dealt with. To start with their app is beyond awful due to the bank's infuriatingly difficult and fiddly to use login procedures. I work in tech, so have a good understanding of how things should…
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Helping Grandchildren 20 years from now
Hello. I wonder if anyone has advice on the following. I recognise just how lucky we are to be in this position. My husband and I are 60, and have one grandchild under two, with another on the way. We have cash as well as DB pensions, so are very fortunate. We would like to ensure that as they reach adulthood they have…
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Tax on wages
Folks, I know you guys out there are super good at figures and accounting and have helped me on another thread recently with investing our house sale funds....I have another challenge for you guys....(or Gals) ;-) Ive just recently taken the choice at age 55 of taking my PPF (Pension protection fund) pension on a monthly…
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Crypto investments
Hi I kind of got bullied into investing £250 into a crypto 'get rich quick' scheme under the guise of Wiseways investments. The money seemed to go up quickly but then they wanted me to invest more...I stalled and subsequently had my account frozen and I can't access it. Have just taken a call from Valueqube who say they…
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£1000 Transaction Limit on NatWest Visa Debit Card
I have been trying to open a Stocks and Shares ISA with a well known online bank. The only way to put funds into the ISA is by debit card. Over the weekend I tried to pay in a sum lower than the annual ISA limit and lower than my daily app transaction limit with no other transactions in process over the weekend. The…
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Looking for clarity over HMRC 30 day "bed and breakfast" rule.
I made a disposal on 29 September. If I want to repurchase the stock as early as possible, but not within the 30 days, am I correct in thinking that this would mean waiting until October 30? The guidance on HMRC says the B&B rule applies to shares acquired within 30 days of the disposal, but doesn't say if the date of the…
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Having shares but not working need advice
Hi, I had to leave my job due to work stress, me and my partner have share, I don’t have any income coming in, need support with benefits but not sure if this will effect my share saving? Any advice or suggestions will be great.
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Best investment quotes
Let's have a round of best investment quotes. Because I came across this gem today from Jack Bogle “Don’t look for the needle, buy the haystack”.
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Personal investment plan and tax
I’m in need of some good advice. My wife and myself are both
in our late sixties and both retired. We have been looking at houses with a
look to moving home. We currently live in a Terraced property but it’s quite too
big for us now our three kids have moved along. We put our house up for sale but never thought it would…
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Paying Off Mortgage
Hi all We have inherited £50k and wondered if it would be best to put it in to savings or use it to clear off our mortgage which is almost the same value. We have 5 years left to pay on our mortgage and our current deal which is 1.64% runs out next year. We do need a new kitchen but not sure if it would be best to go…
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premium bond win living abroad
My mother has just received £100 cheque from Premium bonds in my niece's name. They were bought for her as a child and forgotten about. She is now 25 and lives in Pennsylvania USA. Is there a way she can cash this cheque? Is it advisable to cash in her bonds now.
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Most recent: Virgin 1 Year Fixed Rate ISA 5.05% by flaneurs_lobster
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