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[Field Marshal Dr. Opti]

We keep a few grand in ISAs as an emergency fund instant access if we need it,  the rest is all in premium bonds had them since 2021 and no word of a lie we've won a few quid every month since we've had them,  don't know anything about stocks & shares and certainly at this stage in our lives don't see the point.

You don't need to know anything about stocks and shares, Mick. You just hand over your dosh to a fund manager and they invest it for you, according to chosen risk level. Then they take a cut every year now matter how the fund performs. 

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That would mean putting trust in somebody with our cash , what could possibly go wrong ?

That's what we thought about 30 yrs ago ..... the name of the advisor should have been a clue .... he was called Grantham Fidler!

Grantham? Was he from Lincolnsausageshire? Could have been a young Opti, always wondered about him.

Nah.....thirty years ago I was only 7.

[STEMO]

https://youtu.be/v6xdOxXcJxI?si=xogfVLMBkBu6NmJk

[Field Marshal Dr. Opti]

https://youtu.be/v6xdOxXcJxI?si=xogfVLMBkBu6NmJk

Dad's in jail for racist tweets......

That will never happen in GB.

[Mr Skrunts]

Something interesting for those who can afford it.  Not sure if this was done during the budget, but thinking maybe not the case as most changes start April 2026.

The £85,000 savings rule refers to the Financial Services Compensation Scheme (FSCS) protection limit per person, per UK-regulated institution, if a bank, building society, or credit union fails.

From December 1, 2025, this limit will increase to £120,000, providing higher protection for most savers, though the £85,000 limit remains relevant for claims on failures that occurred before this date. It is important to note that this limit applies to the total across all accounts at a single firm, not per account.

Joint accounts: For joint accounts, each person is covered up to the £85,000 limit, meaning the total protection for a joint account is £170,000 (£85,000 for each person). Guessing this means £240,000.

[STEMO]

Even less chance of Revolut getting a banking licence then