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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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Godfather of Ai
Hi just watched a video where Geoffrey Hinton was talking about the risks of Ai and especially super Ai one of the risks he put forward was the increase of bank cyber attacks and he said he has at least 3 different bank accounts to mitigate what he think is going to be an increasing cyber attack on banks once super Ai is…
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Pay.off & invest or not pay off & invest?
Hi all, Just wanted your opinions on the following. A few weeks ago I was extremely lucky to win a competition that resulted in a considerable 5 figure sum hitting my bank account. I immediately paid off 2 bank loans that freed up over £550 a month. I have invested the remaining amount into a stocks & shares ISA that is…
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Morningstar withdraws portfolio manager and X-ray
I have just heard from Morningstar that they are withdrawing these facilities from June this year. They are essential to my investment management strategy as they help ensure that the portfolio is well diversified across all regions, countries, sectors, equity type, asset classes etc. is there anyone else who provides this…
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Crypto regrets
I dabbled in crypto around 2023. Tiny amounts initially but when I had the courage to go big, my bank 'S' stopped payments to binance. I instead invested in property, which resulted in a loss.... Are there any low fee crypto platforms where I can start again, that won't be blocked by my bank? Have I missed the boat or is…
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Where and how to place ‘trust’ monies
Long story short: MiL and FiL jointly owned house as tenants in common. FiL passed and will allowed MiL to stay in property or ‘use’ sale proceeds to purchase smaller as required and his share would be shared out when she finally passed. MiL sold house bought smaller flat with all FiL’s share being used to purchase flat,…
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The Top Regular Savers Discussion Thread
Welcome to this thread The main purposes of this thread are two-fold: * To provide a list of the top regular savers currently on offer * To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have This thread is intended to complement Martin Lewis' article…
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Birmingham Midshires Dormant account now with LBG
as POA to MIl have found a letter broom Bham Midshires from June2010 for a bond with a very substantial balance that MIL and family are aware of and no other paperwork found. Registered with Mylost account and within 24 hrs has a Not Found reply. In the comment I have advised the account details, exact letter wording and…
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LISA (gone wrong) advice needed
Hi all A quick backstory, I opened a LISA with Moneybox a few years ago and started saving but had to withdraw the whole balance due to a financial emergency leaving me with £0 in it. Then January this year I decided I wanted to start saving in my LISA again but saw Tembo had a better rate so in January transferred the £0…
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Investing parents money from house sale.
My parents are both in a care home. They are both in their 90s, mum has dementia and dad has virtually no mobility and is increasingly confused. In order to pay for the fees and to avoid the house being empty for too long (it has already been a year), we are just beginning the process of selling their house which is likely…
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Taking out Cash ISA money from Trading 212 account to Easy Access savings advice
Asking for my relative, who is not working/not receiving any other income and 50 (i.e not receiving pension anytime soon). I helped them set up and transfer their previous years of Cash ISA to Trading 212 recently but the rate has dropped to 4.36%. As far as I know this is a flexible ISA so I was wondering if I can help…
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Anyone nervous of a new wealth tax...
Reading various articles, and considering how few options the govt has to raise new tax, anyone thinking about this and how to mitigate. Seems about the only legal avenues to avoid, if it happens, is to either spend it or give it away, neither which come easy after saving for 40 years!
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshire Chorley Darlington Dudley…
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Best value for replacing share certificates
I inherited some shares from my dad, but we can't find the share certificates. I know lots have asked this in the past, but I'm trying to find the best value provider of a letter of indemnity so I can replace the certificates, so I can sell the shares. It's around £110,000 worth of shares so the quotes I've had have been…
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Nationwide Member Exclusive Bond
This year's bond is similar to last year's. 5%AER over 18 months. Maximum £10k. Down on last year's 5.5%.
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Alternatives to AJ Bell for Funds
At present I am holding quite a lot of cash, via money market fund CSH2 in my SIPP: AJ Bell's SIPP charges for ETFs etc are good, 0.25% capped at £10/mth, but their charges for Funds are uncapped so I am getting monthly bills of £40 or more. I mailed in and told them that they are uncompetitive, and the "Retention" team…
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Paying with cryptocurrency
I've been asked to pay for something with cryptocurrency but problem is I know nothing about it. This needs to be done in next ten days. Where do I start? Help!
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Tax-free lump sum
With the public finances seeming in a worse state than ever, and with the government seemingly unable to get even small cuts in spend past its own MPs, I'm worried again about another private-sector pension raid. I have protected status within my SIPP so can take out £450k tax-free. I almost did it last year - well…
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Personal tax account - now showing savings interest details ??
Some people are saying that they can now see details of interest on their savings accounts in their PTA screen. Others say not. The guidelines for the BBSI return were updated in Oct 24 and still say"HMRC requires UK banks and building societies to submit information annually about interest paid or credited to ‘reportable…