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Is Prudential New World Life Account Taxable?
Good morning everyone, I am hoping you can help me understand a policy l have. It was set up with the Prudential (now part of M&G) in June 1997 hence, the ambiguity. It has had various names but its current name is "World Life Account". Over the years, the value has gone up and down last year, the value only increased by…
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Selling shares listed on Amsterdam market
Can I ask for some recommendations, please? I need to sell some Shell shares that are registered on the Dutch stock exchange. For UK shares I use X-O but they don't seem to handle these. Degiro look okay and reasonably priced but don't get outstanding reviews, though good enough. Any experience with them - or other…
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Pension fund comparison
My employer pension fund has 25 bespoke pension funds offered by Mobius Life. I would really like to understand which of this funds meet my needs by calculating things like alpha, beta, sharpe factors etc and comparing them with their (fairly standard) benchmarks. e.g. the default fund says it limits the downside risk…
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Does Chase cashback count towards PSA?
Hi! With interest rates up, this year is the first time I'm having to watch my interest earned going over my PSA of £1000. My question is if anyone knows whether the 1% cashback on all spending that Chase offers counts towards this or not please? I did an online chat with them, and it was clear they didn't have a clue what…
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YBS withdrawals
Just wanted to say that YBS withdrawals even if actioned over the weekend reach your account the NEXT day even if it is classed as a non working day. Set up a withdrawal on a Saturday reached my destination account on the Sunday. Very impressed.
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Zopa - Bizarre Annual Certificate of Interest
I've just downloaded the annual certificate of interest to find they only give you one sum for all accounts including ISAs. So taxable interest and non taxable interest are shown as one sum. I know they are new to the ISA game but they don't seem to realise that we need to know the 2 amounts separately. I hope they don't…
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Alliance & Leicester shares
Hi I found an old share certificate I had for Alliance & Leicester Shares from 1997 and I have no idea if I ever did anything with them. How can I find out if they are still valid - or worth anything! Many thanks
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Closure of Skipton Loyalty Reg Saver early
Hi I'm thinking of closing my Loy RS at 7.5% (2 mths left to maturity) and reopening their current Loy RS at 7%. The rate is fixed and as we know interest rates are on their way down so don't know how much longer this will be available. 2 questions if anyone who has done this knows. Would I be credited the correct interest…
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Guaranteed income bonds cash in?
Hi there, does anyone on here have an NS&I guaranteed income bond fixed for 1 year? It says everywhere that you have to keep the bond until maturity. But can you still cash in a portion of the bond? When i go to my dashboard on their website, i scroll down to my GIB and there is a “cancel” button. I click on it and the…
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Adjusting savings
apologies if something like been covered tons times I currently have £1600 left pay on credit card - at the moment I pay roughly £90 a month I was thinking taking out bit cash out my stock and shares ISA that I got sat in cash - ideally was thinking two things either pay my credit card off or use the £1600 over few months…
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Cynergy deposits
I've opened Cynergy Easy Access and paid in £1 yesterday morning, but it is still not showing. I remember that withdrawals arrive on the same day, but can't remember about deposits and I can't find this info on their website. Can anyone advise how long deposits take to arrive to Cynergy?
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Kids basic no fee current account
Looking to open one for my 12 year old (i posted about the jisa we have for him). But I'm finding it incredibly difficult to simply open a basic account. We've tried creating one with banks we already bank with; Lloyds website doesnt work and goes into an endless apply now>log in>apply now>log in loop, and others like…
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Principality Building Society website, unable to log in.
It is not possible to log on to the "Your Account" section of their website because of "Website Maintenance". I assume this cannot be planned as we are only a couple of days into the new tax year.
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Transferred is a and they included the interest
Hi, hope someone can advice please. My husband and I recently transferred our Isas to new isas from last tax year this this - both in the same bank and the new isas remain in the same bank. They are fixed rate cash isas. Filled out the forms to transfer and the letter which has arrived to say the new isa is active shows…
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Investing for children
Hi, not sure if this is the right place, so apologies if not. Not looking for advice as such but just ideas to consider. Some background info - My husband and I are in our 40's, we have three young children. My in laws are in the early 80's. My in laws today have asked us how we would like them to invest 50k per child for…
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What to do with 10,000 at 18?
Hello all, im 18 and going to uni for 3 years soon. I want to pool my money somewhere where i’ll earn more on it without having to manage it a lot. by a lot i mean i don’t want to have to watch it constantly, i don’t mind taking active control sometimes. I was thinking a blue chip stock (namely visa as it has a lot of…
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Considering gilts
For the last few years I’ve been keeping myself as a basic
rate tax payer by making additional pension contributions. However, as my
savings interest is going to be pretty high for the next 3 or 4 years that will
involve salary sacrificing close to half of my salary on AVCs, which I’d rather
avoid (as I hope to retire…
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Inheritence - what to do with it
My husband and I are about to receive a decent amount of inheritence and are wondering how best to use it. We know we want to move house but are aware mortgage rates are not the best these days and are not sure if we'll realistically be able to move for another year or so. We have a house at the moment with £150k left on…
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Fidelity - taxing interest outside ISA?
DH holds some cash in his Fidelity Cash Management Account to pay the fees on his S&S ISA. This earns some interest. However, they also appear to be deducting tax from the interest at source, rather than paying it gross. It's only pennies, but I thought all interest is paid gross these days. DH is well within any tax from…
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Investing in a New Business
Hi Looking for some advice. My Stepson is in the process of opening a Car repair and Mot garage. He has enough to cover the Deposit and Rent on the premises.He is in the process of applying for an Asset Management Loan, which should cover about 80% of the equipment he will need to get started. I have £20000 in disposable…