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FSCS protection limit
Apologies if this is a stupid question but it’s something I thought about today and not sure about the answer! Lets say I had amassed £300k in a stocks & shares ISA over a broad spread of investments with (for example) AJ Bell and AJ Bell go out of business. Am I still only covered up to £120k? I understand that the FSCS…
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Are UK take-home calculators too complicated?
I’m trying to understand whether people prefer simple tax calculators or detailed ones. I built a stripped-back prototype to explore this and would appreciate critique. Thanks in advance.
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Cross Stitch and Craft Cafe 2026 - come on in and join us!!
Hello everyone and welcome to our shiny new Cross Stitch and Craft Cafe 2026 thread! Please do join us in sharing your makes, your successes and your WIPs - we love to see what everyone is working on. My 2026 list to follow! Coxy xx
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Switching to full fibre
Switching to sky full fibre. Concerned about installation and whether they need to dig my driveway. House semi detached with integrated garage.
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Octopus Energy price Hikes 1st May 2026
Just had an email from Octopus energy detailing their upcoming price hikes on the 1st May. Standing Charge up by 3.56% EV rate 11;30pm to 5.30am up an astonishing 32.7% Day rate up 8.97% Overall my bill for the year is up 11.25%
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IHT411 Listed stocks and shares
I understand stocks and shares ISA will need to be included in IHT411. How about if the S&S ISA is a discretionary managed porfolio containing lots of different funds? Just wondering how to deal with that..
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Cash ISA - Interest 'paid away' loses tax free status?
The West Brom Building Soc offers a fixed rate cash ISA @ 4.56% until Nov 27. I would like to take the monthly interest earned, on the deposit/capital, and have it paid into my current account with a high st bank to help with monthly expenses. The T&Cs say that 'paying away' the interest means it will lose its tax free…
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Teachers Pension Scheme and CPI increase
Hi, My wife will be taking her pension this Friday (10th April) which is obviously after the 6th April when the 3.8% rise applies. I understand that any rises when the pension is in payment will have their first increase apportioned. As her pension was NOT in payment on 6th April 2026, and I assume she was still a deferred…
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Free space on SSD quickly dsisappearing.
I've a 1TB SSD which Win10 is installed on. I had 250GB free. I downloaded a number of files which took me under 100GB, transferred these to another drive & deleted from the SSD. Rinse & repeat. On top of this, I've also been working to delete & also compress a ton of video files, point being space being taken up should be…
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Cadent moved meter too near electrics
When Cadent 'upgraded to gas supply to our house, against my wishes, they moved the gas meter to another wall making the meter difficult to read and the pipework to it is not neat as it was before. At the time, I was unable to have the strength to argue as my seriously ill father, who I cared for was in his last weeks. I…
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Calor Gas Standard Tariff
To my utter dismay I just discovered we have been paying Calor Gas an extortionate 92ppl for bulk delivered gas since 26th September 2022. On 17th June 2018 they sent me a letter which was headed as a 'Price Change Notification' which simply says 'You have recently benefited from a price that has been below our standard…
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Paid for parking at NCP, got a penalty, didn't appeal in 28 days
Hi, my mum has a Motability car, my nephew drives it for her, they paid for parking at an NCP car park, they received a penalty notice afterwards, together they phoned them to appeal, they were told you can't appeal on the phone but didn't tell them they only had 28 days to do it. Both my mum and nephew are disabled and I…
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Upcoming change to editing older posts
Hi all, Just a quick heads-up that we’ll soon be activating the “Reinterpret as Rich” setting for older posts. Currently, when you edit one of your older posts, it opens in the editor that was originally used to create it… After this change, older posts will open in our newer editor when edited. By default, nothing will…
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From 50 mb to 75 mb
Switching to full fibre with sky soon. Currently getting 50 mb with bt. Low user mainly browsing and watching Netflix. With sky can get 75 mb for £21, is it worthy to pay extra £2 for 150 mb a month single user. Thanks
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C1 Help please- Box 2 and also Sasine entry
I am trying to complete the C1 for my step dad's estate. I seem to have a million questions and the guidance isn't helping much. I am unsure of the wording to use in Page 2, box 2. Executors are myself, my half brother (deceased's son) and the solicitor who drew up the will. Brother and I are equal and only beneficiaries.…
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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NtK from PCM (parking control management (UK) Ltd) am I doing this right?
Hi So I received a NtK (below) following the placement on the vehicle I am the registered keeper of a PCN on 27/01/2026, upon discovery of the PCN on the windscreen pictures were taken (see below) and it shows that despite it looking like the tyre was on the "line" it actually wasn't. I am planning on using the slightly…
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Should I Transfer Or Withdraw/Deposit? - Cash ISA
This might be a dumb question but I'm not sure on what best to do. I have just over £15k in my Moneybox Cash ISA, currently getting 3.45% interest. I've had this ISA for over a year now and I've not deposited any money in this tax year. I also have an outstanding loan of about £5k which has about 12% interest on so I…
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Placed an order to sell my old phone and heard nothing back after sending the good
I placed an order on a e-commerce retailer to sell my old phone, and it generated a label automatically for tracked postage. It said "same day payment" after receiving the goods on the website but I haven't got money yet. The postage is tracked as delivered, but my order remains pending on the website. I left a message…
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flexible border recommendations
A very good morning all I am looking for flexible (maybe) border edging. I have a robo mower, so need (budget) lawn edging, but the lawn is not a straight edge, some is, some isn't. I am thinking plastic as it would last longer and be more flexible than wood, but robust enough to survive the strimmer. I think it would need…
