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Cash ISA maturing
I invested £15000 in a cash ISA in April 2015. I have just received notification that a 5 year fixed cash ISA (approx £12000) matures on 1st June. There are options to transfer the funds to other ISAs with the same provider (Leeds Building Society) or transfer to another provider. As I have already used my allowance for…
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Any Advantage in Transferring an ISA?
I have a couple of ISAs about to mature. Is there any advantage in transferring them to another ISA versus drawing the money out and just opening another ISA? I am asking the question because I am not sure if I have time to do the transfer.
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S&S Investment Balance
I'm looking to ensure my S&S investments are properly balanced, having re-discovered an old S&S ISA and hurriedly deposited £15k into an AXA Self-Investor S&S ISA at the end of the 2014/15 tax year. I think I've ended up with S&S ISAs that are very heavy in equities. I also have a significant amount of cash sitting around,…
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Nutmeg, Vanguard Lifestrategy or Ready-Made Portfolio?
Hi all Complete newbie to investing here and was very much hoping for some of your expert advice. I have always been a bit nervous of the stock market but have always used my full Cash ISA allowance. I'm feeling a bit braver now and would like to put this year's ISA allowance of £15,240 into a Fund in a Stocks and Shares…
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Direct Debits
Do banks earn money through Direct Debits? If not what's with the requirement for 2 or more DDs with accounts?
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“Managing a Junior S&S ISA”
I am planning on opening a JISA for my daughter with Charles Stanley (through which I hold investments and am happy with the platform and charges). I understand the money/investments belong to her until she is 18 and can’t be withdrawn other than in exceptional circumstances. With this in mind, how much “management” is…
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Club Lloyds Interest Cut Off Time
Hopefully someone can simply answer this one. What time does the money have to be in the account by to get interest on for that day? Thanks Paul
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giving money away
Hi there, I dont get this One either, If my Mother has £10 or a £100000 in the bank, can She give it to me without anyone paying tax? Willy
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Buying Shares for the first time, advice appriciated.
Hi, I've decided that I want to explore the stock market and try to build a portfolio of shares. I'm starting out with £400. I've already purchased £120 worth of Ladbrokes shares. I'm thinking to spend the rest on LLOYDs shares? Not sure if there's any advice for me here with my budget. Im using Halifax which has a trading…
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Barclays Shares...What do you think
Have a few quid to put in an ISA for a long term investment, 10 years plus. Am thinking about Barclays for decent dividend and also growth in coming years. Just wondered what others thought and any infer re FT100 dividend paying shares. Thanks
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Bad month for stock and shares?
Hello I opened a stocks and shares ISA at the end of the last tax year. I was roughly 1% up overall about a month ago and now I'm about 4% down. Has anyone had a similar experience over the last month or so? I think my investments are fairly diverse so I don't think its case of having put all my eggs in one basket.
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Venture Capital Trust too late for tax year 14-15?
I was wondering about putting some money in a Venture Capital Trust, but I'm stuggling to figure out whether, if I bought these shares now, I would be allowed to claim the tax relief for 2014-15. I can't find anything on HMRC site. I've seen stuff elsewhere suggeting it's not possible. But Albion VCT is selling a "Top Up…
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Buying Premium bonds by direct debit
I spend a regular amount per month from Bank A by direct debit for the purchase of Premium bonds. Of course I have a Premium bond account too. I want to purchase a similar amount of Bonds to be deposited in the same account by DIRECT DEBIT form BUT from Bank B. So I go along to bank B (with which I have several accounts)…
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Tax liability on joint savings accounts
My wife and I have a savings account in our joint names. The interest is paid annually into my personal current account. For the purposes of declaring this interest for higher rate tax, who is liable? Are we each liable for half the interest, or am I liable for it all?
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Current accounts when in month does interest added?
Hi, I've just setup a bunch of current accounts to maximise interest, does anybody know when in the month i should be expecting the monthly interest payment for the TSB Classic Plus, Lloyds Club, and Nationwide flexdirect accounts? Thanks.
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early will advice
i can't immediately see it-but is there a section/specific forum on here where general info on wills-making and interpreting them can be found. apologies for posting here- but this section seems to be nearest to the subject. so is there a 'will advice section ? thanks
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Opening a US dollar account as a British citizen
I'm not sure if my question belongs here, but I found another thread from several years ago on a similar subject, so I thought I'd start here. My husband may be doing some consultancy work for a US company. Part of his salary will be paid in a UK bank in GBP, but there is a commission element which will be paid in US$.…
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Shares
Hi My father passed away earlier this week and we are trying to sort out all his finances. Most of the shares I am able to find and see that they are live, but I have the odd one which I'm a bit stuck on. Zeneca Group PLC, I have certificates for my Mum and Dad all issued in 1993. Are these still valid? I can see that…
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Current account interest vs savings
Having some time off work I thought I would check my banking interests. So please help me confirm my choices. Currently banking wages of £800 every 4 weeks so thinking of switching Current Account from Natwest 1.52% monthly to TSB Classic Plus 5.00% on account +£2000 (from Savings) with minimum £500 monthly deposits. My…
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How To Maximise Interest, Unsure What To Do
We're saving for a deposit and currently have just over £7k We both have personal accounts, me with Natwest and him with Barclays. Just for our wages to be paid into and small direct debits. Our savings are currently in my spare account I've had since I was little, a Santander Instant Saver. The interest rate is 0.10% I…
