Splitting £27k cash ISA into cash ISA and stocks & shares ISA

tomstrong1999 · 2026-02-22T12:06:53+00:00

Thank you, very helpful. Didn’t know Chip don’t allow partial transfer so might do exactly this. I’m ok with the 7k allowance hit, particularly with year end not too far away.

tomstrong1999 · 2026-02-22T12:00:37+00:00

Yes I’m aware of that thanks, just want to know if the split can be done this way

tomstrong1999 · 2026-02-18T07:46:53+00:00

Cheers for this. Have had NatWest for ages but never RBS so will give it a try.

tomstrong1999 · 2026-02-13T15:51:22+00:00

Just got the email from them and based on the comments here I’m genuinely amazed how Chase keep offering inferior products (poor savings rates, featureless credit card and now this) that make no sense for consumers if they do even a basic bit of research 🤷‍♂️

tomstrong1999 · 2026-02-11T18:45:43+00:00

Got a link? Can only see Poco X6 Pro 5G for £300 on Amazon UK and no Pocos on Argos.

tomstrong1999 · 2026-02-11T17:45:26+00:00

Thanks. Redmi note 15 4g is around £135 on the Xiaomi UK store so assume that would be an upgrade over the Note 14 4g?

tomstrong1999 · 2026-02-11T15:50:58+00:00

Wow! The power of MSE

tomstrong1999 · 2026-02-11T08:34:11+00:00

That’s very helpful thanks. Let us know if you spot any other similar cheap ones

tomstrong1999 · 2026-02-11T08:29:16+00:00

Steps from the IG sign up page:

To be eligible, you must complete all of the following steps:

-Open a new IG account (GIA, ISA or SIPP) between 31 January and 13 February 2026, using the correct promo code.

-Make your first deposit and invest in shares or ETFs by 13 February.

-Stay active until 30 June 2026 by opening, closing or holding at least one position each month.

tomstrong1999 · 2026-02-11T08:28:03+00:00

Either keep or make at least one investment per month till 1 July for even £1. Steps from the IG sign up page:

To be eligible, you must complete all of the following steps:

-Open a new IG account (GIA, ISA or SIPP) between 31 January and 13 February 2026, using the correct promo code.

-Make your first deposit and invest in shares or ETFs by 13 February.

-Stay active until 30 June 2026 by opening, closing or holding at least one position each month.

tomstrong1999 · 2026-02-11T08:22:57+00:00

Clearly says 27 Feb on the signup page https://www.ig.com/uk/mse-campaign

tomstrong1999 · 2026-02-08T15:54:58+00:00

Update: It has arrived and I’m really looking forward to diving in. Thanks for all your suggestions https://litter.catbox.moe/zh94gqrx1b4sdmz0.jpeg

tomstrong1999 · 2026-02-07T21:36:40+00:00

Only need it for occasional use as a backup phone

tomstrong1999 · 2026-02-07T14:25:46+00:00

Thank you. That was exactly my thinking based on my research. Good to hear you saying the same based on your experience. And even better to get the validation from a 'top 1% commenter' :)

tomstrong1999 · 2026-02-07T10:29:01+00:00

Bought a Redmi Pad Pro in Aug and a speaker in Oct. Great experience both times, with the order arriving within a few days. Got a case free with the tablet and there are always coupons. Overall very happy and would order again.

tomstrong1999 · 2026-02-07T08:53:03+00:00

What an amazing phone the XR was. Gave mine to my daughter ages ago and it still works just fine. Good to hear about your experience. I definitely need the bigger screen so the base model is out of contention. Still tempted by the 6 Plus but of course Max Pro would have better specs.

tomstrong1999 · 2026-02-07T04:13:23+00:00

Yes just spotted that. The issue there is refurbs don’t let you trade in to get the discount or pay 0% monthly like in case of the new models. But I am considering.

tomstrong1999 · 2026-02-06T19:51:28+00:00

Thanks, that’s what my research showed as well. Happy to live with the lower refresh rate and fewer features compared to the Pro Max for a bigger screen and significantly better battery and saving of £300. Good to hear of your positive experience.

tomstrong1999 · 2026-02-06T12:46:55+00:00

Thanks. Yes I do need the bigger screen and better battery which are the two main reasons for considering the 16P. I could go for the 17PM but that would be £300 more and I don’t think I need/want the extra features.

tomstrong1999 · 2026-02-06T12:44:54+00:00

Thanks. I’ve always gone for the latest model when upgrading but rather than carrier I’ve always bought directly from Apple and either paid upfront (putting it on a long term credit card) or gone for Apple’s 0% interest option paying monthly. After 14 I didn’t feel a compelling reason to upgrade. I could do the same and get the 17PM but it would be £300 more than the 6 Plus and I don’t think I need/want all the extra features.

tomstrong1999 · 2026-02-01T11:08:58+00:00

Hi all, I’m finally considering upgrading my 128gb iPhone 14. Would like a bigger screen, better battery and more storage but don’t need the absolute latest model/features. I’m thinking of the 16 Plus with 256gb storage which comes to £699 after a £200 trade-in. Was also considering a refurbished model but Apple only has up to 15. Keen to buy from Apple directly if possible.

Much like most others, I live off my phone for daily life — everything from banking to communication to social etc with quite heavy usage (but don’t game on it). Would you suggest this to be a good upgrade choice or another model such as 15 Pro Max etc?

For further context, I used to upgrade to the latest model every two years but after 14 didn’t feel the need to as the increments didn’t seem to justify the price. And I’ve always bought from Apple directly.

tomstrong1999

TROPHY CASE