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    • B_M
    • By B_M 22nd May 17, 9:42 PM
    • 585 Posts
    • 444 Thanks
    B_M
    Don't know on sms, I use Stock - realtime quote quotes app which I setup alerts
    Originally posted by Lakeuk
    Yes, a few options, but I was hoping for a text (sms) alert. There is an option to tweek Google, but not ideal.
    Text alerts would be perfect for myself, mainly for selling, if there is an option. When buying, I like to monitor, although I do also submit 'limit orders'.
    No payments from financial products from cash back sites? Put in a complaint direct and if they don't resolve your issue, head straight to the financial ombudsman - it costs the company £550 in referral fees, win or lose.
    • sabretoothtigger
    • By sabretoothtigger 19th Jul 17, 9:59 AM
    • 9,991 Posts
    • 6,596 Thanks
    sabretoothtigger
    Itís 19th July pay less for your share dealing between 12:15pm and 2:15pm
    Todayís the day you can buy or sell UK shares for just £3.95 commission per online trade. Thatís a 68% price reduction on the usual price of £12.50.

    Itís only available for a two-hour window from 12:15pm until 2:15pm today. Plus, weíre applying the same great offer to trades on international stocks between 8am and 9pm. So make sure youíre ready.
    by Halifax
    Halifax offer
    Tokyo residential prices have gone from 4x London in 1990 to ľ London in 2014
    Maybe this is one of those cases where you canít go home again,
    by Ben S. Bernanke, former Fed chairman
    • johnwood2017
    • By johnwood2017 24th Jul 17, 11:51 AM
    • 1 Posts
    • 0 Thanks
    johnwood2017
    CGT and Joint Ownship
    A recent ShareSave scheme has matured turning £18k into shares now worth approx £50k and in order to make best use of CGT allowance for both myself and my wife, I was going to transfer half into my wife's name.
    However, some queries:

    Is it better to TRANSFER half the shares, or put the certificate in joint names? Does this affect the CGT allowance or is it generally the same?
    Essentially having 100,000 shares in joint names (and a joint trading account) is easier to manage rather than 2 x accounts with 50,000 shares in each.

    If in joint names, is the original cost also split?
    e.g. the cost of the shares was £18k in my name only. If I sold £40k of shares (£18k cost + £11k my CGT + £11k wife CGT), would the tax office see this simply...
    Or would the tax office see this as selling £20k worth each with my CGT being £18k cost + £2k and therefore zero tax; but my wife selling £20k with £11k CGT allowance and £9k as being taxable?

    Hope this all makes sense...
    • Malthusian
    • By Malthusian 24th Jul 17, 2:29 PM
    • 3,294 Posts
    • 5,004 Thanks
    Malthusian
    Is it better to TRANSFER half the shares, or put the certificate in joint names? Does this affect the CGT allowance or is it generally the same?
    Originally posted by johnwood2017
    Transferring half the shares into her sole name gives you more flexibility if, say, she has capital gains of her own so you want to sell 5,000 shares in your own name and 3,000 in hers. If there's no consideration like that involved, then transferring all the shares into joint names usually cuts down on paperwork.


    If in joint names, is the original cost also split?
    Yes. So either way, if you sold 40k of shares in joint names, or 20k each (makes no difference), you would each have a gain of 20k - 9k = 11k.
    • cloud_dog
    • By cloud_dog 24th Jul 17, 11:12 PM
    • 3,254 Posts
    • 1,816 Thanks
    cloud_dog
    A recent ShareSave scheme has matured turning £18k into shares now worth approx £50k and in order to make best use of CGT allowance for both myself and my wife, I was going to transfer half into my wife's name.
    However, some queries:

    Is it better to TRANSFER half the shares, or put the certificate in joint names? Does this affect the CGT allowance or is it generally the same?
    Essentially having 100,000 shares in joint names (and a joint trading account) is easier to manage rather than 2 x accounts with 50,000 shares in each.

    If in joint names, is the original cost also split?
    e.g. the cost of the shares was £18k in my name only. If I sold £40k of shares (£18k cost + £11k my CGT + £11k wife CGT), would the tax office see this simply...
    Or would the tax office see this as selling £20k worth each with my CGT being £18k cost + £2k and therefore zero tax; but my wife selling £20k with £11k CGT allowance and £9k as being taxable?

    Hope this all makes sense...
    Originally posted by johnwood2017
    Is this a qualifying scheme that will allow you to transfer up to £20k worth in to an ISA; do you have available space in this years ISA allowance?
    Personal Responsibility - Sad but True

    Sometimes.... I am like a dog with a bone
    • Mulder40
    • By Mulder40 25th Jul 17, 1:47 PM
    • 5 Posts
    • 0 Thanks
    Mulder40
    Merrill Lynch KFC Shares
    My partner has worked for KFC UK for 19 years. In that time he has gained some shares. He spoke with Merrill Lynch in America 2 weeks ago on 2 occasions. On Saturday 22nd July he received a letter from them saying they have sold his shares for him totaling $28k. Since then we have been trying to contact them to find out what the next step is in receiving the money but can no longer get through to them. We are using the same contact numbers used initially when he spoke to them 2 weeks ago, but now it is saying that we can not connect to them, inputted a wrong number or an engaged tone. We've tried from different landlines and mobile networks but still to no avail.
    Has anybody got any suggestions please?
    • Malthusian
    • By Malthusian 25th Jul 17, 2:29 PM
    • 3,294 Posts
    • 5,004 Thanks
    Malthusian
    Have you tried the main phone number for Merrill Lynch? Or the phone number on the letter he received 22nd July?

    Did he pay them any money to sell his shares?
    • Biggles
    • By Biggles 26th Jul 17, 8:32 AM
    • 7,478 Posts
    • 4,862 Thanks
    Biggles
    Did he pay them any money to sell his shares?
    Originally posted by Malthusian
    Hmm, and was it really Merrill Lynch?
    • Wee Jimmie
    • By Wee Jimmie 14th Aug 17, 1:52 PM
    • 4 Posts
    • 1 Thanks
    Wee Jimmie
    Royal Dutch Shell cash & share offer
    Had an offer from Royal Dutch Shell for my 186 BG shares.
    Offer is £725.00 and 82 shares. Price today is £21 per share which is good.
    However to accept cash offer Equiniti and Prosearch want to charge 12.5% + VAT equalling £110.00. Seems a bot of a rip off.
    Anyone got opinions on this?
    Wee Jimmie
    • Biggles
    • By Biggles 14th Aug 17, 2:47 PM
    • 7,478 Posts
    • 4,862 Thanks
    Biggles
    Had an offer from Royal Dutch Shell for my 186 BG shares.
    Originally posted by Wee Jimmie
    I thought that all took place in February, Jimmie, and I would have thought the default cash and shares would have been sent to holders (or to their brokers) by now.

    Did they not get in touch at the time?
    • eskbanker
    • By eskbanker 14th Aug 17, 2:57 PM
    • 5,804 Posts
    • 5,687 Thanks
    eskbanker
    Had an offer from Royal Dutch Shell for my 186 BG shares.
    Offer is £725.00 and 82 shares. Price today is £21 per share which is good.
    However to accept cash offer Equiniti and Prosearch want to charge 12.5% + VAT equalling £110.00. Seems a bot of a rip off.
    Anyone got opinions on this?
    Wee Jimmie
    Originally posted by Wee Jimmie
    Yes, you're a year and a half too late! The offer you refer to sounds like what was offered to BG shareholders at the time of the company's acquisition by Royal Dutch Shell in 2015/16 (£3.83 per BG share and 0.4454 RDS B shares) and this was all finalised in February 2016, as covered on http://forums.moneysavingexpert.com/showthread.php?t=5386256
    • LHZ
    • By LHZ 24th Aug 17, 9:24 PM
    • 18 Posts
    • 4 Thanks
    LHZ
    Hey all. Just looking to dip my toe into stocks and shares. I like the idea of investing in a diversified tracker and I've been advised to look at the fund provider 'Vantage' and to use AJ Bell as a trading platform. I intend to drip feed £200 a month or so using an ISA wrapper. Does all of that sound reasonable to you? Anything else I should consider?

    Many thanks.
    • JohnPat23
    • By JohnPat23 30th Aug 17, 9:55 AM
    • 1 Posts
    • 0 Thanks
    JohnPat23
    I invested with CFDStocks now they require these details, is this usual.

    In order to verify your account, we need you to send the following documents:
    1. Color Copy of Passport / National ID / Driver License.
    2. Utility Bill (provided by a public service company) - showing your name and address, and not older than 3 months.
    3. Color copy of Credit Card used to fund trading account (Please show on the front the first 6 digits, the last 4 digits, name and expiration date. From the back please cover the CVV code and show the signature)

    Thanks John,
    • greenglide
    • By greenglide 30th Aug 17, 10:05 AM
    • 2,895 Posts
    • 1,867 Thanks
    greenglide
    From the spelling and the wording ("color", "National ID", "public service company") I would guess that you are in the US?

    This is a UK based site so responses from us may not be appropriate.

    This does sound like a fairly standard identity check. We get them to comply with anti money laundering regulations.
    • bigadaj
    • By bigadaj 30th Aug 17, 1:55 PM
    • 10,694 Posts
    • 6,984 Thanks
    bigadaj
    I invested with CFDStocks now they require these details, is this usual.

    In order to verify your account, we need you to send the following documents:
    1. Color Copy of Passport / National ID / Driver License.
    2. Utility Bill (provided by a public service company) - showing your name and address, and not older than 3 months.
    3. Color copy of Credit Card used to fund trading account (Please show on the front the first 6 digits, the last 4 digits, name and expiration date. From the back please cover the CVV code and show the signature)

    Thanks John,
    Originally posted by JohnPat23


    Are you an experienced investor, trading CFDs is not something that will produce a positive return for most inexperienced investors even if the site is legitimate.
    • Malthusian
    • By Malthusian 30th Aug 17, 3:08 PM
    • 3,294 Posts
    • 5,004 Thanks
    Malthusian
    This does sound like a fairly standard identity check.
    Originally posted by greenglide
    Not to me. Colour copy of the credit card including the back with the signature?

    I have seen some fairly shady outfits ask for something similar. They should already have all the details they'd need after collecting the money. In the case of a debit card, however, a picture of the card has two very useful things that you don't normally input into a purchase form: your bank sort code and account number.

    Why should they need to see the back? Sure, they ask you to cover the CVV, but anyone gullible enough to sign up for a website with a name like CFDStocks.com is likely to not know what that is, and simply send a picture with the CVV uncovered.

    Let me guess, they didn't require these details when they took your money, but they do now you've asked for it back?

    Are you an experienced investor, trading CFDs is not something that will produce a positive return for most inexperienced investors even if the site is legitimate.
    by bigadaj
    Or experienced investors. Or anyone. In any case, it's not CFDs, it's binary options.

    (A CFD pays you the difference between a share's price now and its price in the future, whereas a binary option pays a fixed payout if a share moves the right way or nil if it does not. The difference is a) the payout from a CFD is variable depending on how much the share moves whereas the payout from a binary option is fixed regardless of how much the share moves, b) CFDs are used by professional traders to hedge their exposure while binary options are used by mugs who want to lose their money.)
    Last edited by Malthusian; 30-08-2017 at 3:16 PM.
    • Mulder40
    • By Mulder40 15th Nov 17, 10:24 AM
    • 5 Posts
    • 0 Thanks
    Mulder40
    Uk
    Hi no we are in the UK.
    • Mulder40
    • By Mulder40 15th Nov 17, 10:27 AM
    • 5 Posts
    • 0 Thanks
    Mulder40
    Hi, we tried all sorts of numbers and managed to get through eventually. After doing some form filling online he received just over £12K which was with the tax & NI off. We didn't have to pay as they were his which he was entitled to. He had worked for KFC for 19 years.
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