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"The Save £12k in 2024" challenge
This is the new Challenge thread for savers in 2024. The challenge starts on 1 January 2024 and finishes on 31 December 2024. Please report monthly and I will record totals on a spreadsheet. Link below. https://docs.google.com/spreadsheets/d/1-frtVz3nhAXAKlcjM5zqNyiLfSopVsc_tPK9Y_r7jPM/edit?usp=sharing You can save £12k or…
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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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PC been hacked how do I protect my bank accounts ?
Hi DS PC has been hacked how s the best way to protect his bank accounts? sx
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The Top Easy Access Savings Discussion Area
This thread is specifically to discuss the Easy Access Savings article Which includes the new free Savings Calculator tool. To discuss or ask a question about this article: click reply
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Regular Savings Accounts: The Best Currently Available List!
1. Introduction Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area…
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What are our top building societies doing?
IIRC Britannia BS, a failing mutual, took over the Co-op Bank and failed again. Now Coventry BS, a successful mutual, is proposing to take over the mess Britannia created. Nationwide is proposing to take over Virgin Money. Neither BS knows what they are doing. They should stick to their knitting. No votes for members - so…
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Phone Call re Ferrovial Shares BuyBack
My elderly mother answered a phone call from someone saying they were authorised to buy back Ferrovial shares which she might know as BAA shares. She just put the phone down. She's had calls like this before regarding other shares. I googled Ferrovial and found some information about a buy back but is this a scam and how…
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Aviva Long Gilt S^ fund
Hi, I am no pension or investment expert but I'll to to explain... I have a pension fund with Aviba based on a "lifestage" approach to investment./ Basically that means that, as iI approach retirement age, Aviva will "automatically" (their word) invest in less risky funds to protect my pension. there is a bit more detail…
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Investment bond purchase options
When my late father was admitted to hospital due to rapidly deteriorating dementia, the family took advice from an IFA. The IFA was very pleased that Dad had an investment bond due to it being the one financial product protected from council assessment for care fees. I'm now looking forward and doing my research, so that…
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Finalising my Power of Attorney(s)
I hope no-one minds too much that I'm posting on this board. It's the one I'm most familiar with, and when I search I've found that LPAs pop up on many different ones anyway. I decided to prepare both types - Finance and Health - for the 3 people in my household, so 6 in all. Spouse and myself, plus adult child, all with…
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Audit My Investments & Savings
Salary Current: £27,000 (£1,800 per month) January 2025: £30,000 Debt None Monthly Direct Debits £100 Age + Living Status 30 + With Parents Lifetime ISA £12,000 - £12,500 approx (invested in stocks) DODL Stocks and Shares ISA £4,250 Lloyds Stock and Shares Halifax Collective Investment Plan £700 (approx. Old account plan…
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Plum problems
Been happily using Plum for auto saving for several years. Save over £5k with no issues. I recently (22nd June) moved some money from one Plum account to another to then move to my current account. The money left plum account B and is showing in plum account A but has not cleared. I've contacted Plum 3 times now and each…
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CMC invest transfer cashback
Hi Had a email from the above offering 1000 pounds cashback for transfers of 100k into their app based plans . Must be held for 12 months and I can't see any charges for its basic plan. Not sure on range of etfs or tracker funds on there so what's the catch seems easy way to get a nice bonus. Anybody using these ?
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Would this be a reasonable plan (ILG ladders, ISA/SIPP income etc)?
Looking at the positive yields (atm) on ILG across the yield curve I have been thinking about building a ladder to take me to age 75 with a view to perhaps buying an annuity at this point. After checking through previous years spending I am happy that £36k pa (cpi adjusted) would more than cover my spending needs. My…
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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Wellesley P2P and Bond Investors
To all Wellesley investors.. As you are aware Wellesley are asking you to cast a vote for or against a proposed CVA Before you cast your vote I strongly suggest you join the Private Facebook group below for more information “Wellesley P2P Creditors 2020“ Many thanks and take care!
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Inheritance
I found out recently that I am going to inherit some money from a family member, when I say 'some money' the amount is £70,000 I am 41 and a basic rate tax payer with a mortgage that has 19 years left. I did think about sending some to the mortgage but the rate on that is 3.94% and I have a savings account that is…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top EA discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10 available to open & manage online Easy Access accounts, with links. The purpose of this thread is to ONLY…
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BEWARE : Post office easy access savings account recommended by MSE
Tried to open but apparently there is a problem verifying my linked bank account even though I have had the same bank for many years. Luckily I only transferred a £1 to the account details I was given. I phoned up to query and been told I have to post a recent bank statement with all personal details . Do not trust post…
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Monthly charges v annual charges
Matioli Woods have a deposit charge and then monthly charge for investing with them. Is this usual practice? I thought most investment companies made an annual charge.
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VOTE now! Proposed take over of Virgin Money - Nationwide members should be given a vote
I'm really unhappy about Nationwide management running roughshod over their members (we the customers own the building society as it's a mutual), trying to push through a deal to buy Virgin Money. My quick take: * Nationwide management have proposed a takeover of Virgin Money * Terms of the deal have been agreed, but it is…