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having a dabble
hi all, after great advice on here i started my investment journey with vls 80. I have been interested in L&G's global tech and healthcare indexes for a little dabble (max of 50 per month) but can't pay into both s and s ISA's - are there similar funds on vanguard that i could take a look at / others people recommend…
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My First S&S ISA - Are these sensible fund choices/platform?
Hi all, I opened my first S&S ISA in March through the recommendation on MSE website I went through cavendish online to fidelity platform. -Am I right in thinking this is a low charges/fees compared to other options and also safe/protected place to make investments? I've put £10,000 cash in prior to the April tax year cut…
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Charter Savings 95 day Notice Account rate drop
And another one bites the dust... taken them a little while but just had email to say our Charter Savings Bank 95 Notice account is dropping form 1.88% to 1.24% :'( At least that doesn't kick in unti 31 Aug. Now just waiting for Cynergy Bank to drop the 1.5% Easy Access down to 1% or below and that'll be all our decent non…
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Windsor life
We have just found a cheque dated 13/3/2000 for £1198.12 from Windsor life assurance company ltd. is there anyway We can get them to renew this cheque so we can cash it in. I can’t find any email address for them
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HSBC world ETF, accumulation or dividend?
Does HMWO.L pay a dividend? Is there a passive all world tracker that is available as an etf that is accumulation only?
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bank deposit asked before new account details
My application for a saving online account has been accepted. It's one of the top payers in the MSE one-year fixed list (Habib Bank Zurig). I received an email from them asking to pay the deposit in an account but no details at all about it (interest rate, maturity date etc.). I opened other online accounts and, when…
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Post Office savings
just had a dozen emails to let me know about the reduction in rate FROM 17th APRIL !
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Tax on cash interest - cash or accrual basis or either?
I just wanted to confirm how interest on cash savings (via savings bonds or easy access) is taxed; for any particular tax year is the amount of interest in consideration for that tax year based on when it was paid (cash basis) OR when it was earnt (accrual) OR could I possibly chose between the two? I am pretty sure it is…
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VWRP ETF or something else?
Hi, I'm looking for an all- world ETF that allows me to invest in £ and where dividends are reinvested automatically. When i sell, i want the cash i get back to be in £ so i don't have to convert from say US $. Is VWRP the best choice? Thank you
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Tax on interest paid into joint account
I'm a standard rate taxpayer and my wife pays no tax. I benefit from Marriage Allowance. We each have a monthly income savings account in our own names and she has more savings than I do. Both individual accounts pay the gross interest into our joint current account and she contributes more than I do (70/30 split). What is…
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ISA rules clarity please
My Nationwide ISA interest rate will drop to a paltry 0.25% tomorrow from the current rate of 1.40%. Next best I can get with Nationwide is 0.8% with their 1 year triple access ISA which I intend to move across to. I have not used my 20/21 allowance yet but would want to open a Virgin Money Double Take e-ISA using £20k…
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Capital Gains Tax if I made money on property?
Hi If i sell my current house (only property I own) for £270k, and my next property will cost £240k, i understand the first £12300 is tax free from capital gains. Will i definitely have to pay capital gains tax on the remainder £17700? Are there any expenses i can deduct to reduce the 20% on the £17700? Or do i even pay…
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Tax implications on cashed in bond
My Pru bond has recently taken a hard knock due to the financial effects of Covid 19 & i am wondering what kind of tax implications there would be if i cashed it in. I am a pensioner on a company pension of £20K p/annum & the Bond is worth £295K. I am thinking of cashing it all in, due to the bleak financial future
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Vanquis bank
Don't even go there it is dreadful I thought my money had gone as no replys to emails or answering phone . The suddenly after a week of stress my money was back in my linked account. No message or explanation from them what so ever
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Morningstar Web Site Problem
I cannot log in to Morningstar this morning. At Login the little spinner just sits there going around forever. Anyone else having any problems please?
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bank account or ISA for grandson
We are in a catch. We are being denied access to our grandsons since they have gone to live with there father. We can’t get the birth certificates and want a way to invest money for them when they’re older. which is the best and what type can we do without birth certificates. thank you.
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First Direct 2019/20 5% Interest Savings Account payout
Just looked at my account today, the day the interest is paid out. I paid in £300 every month which is the max allowed resulting in £3600 saved up. The interest received today is £96.66. (2.685% interest ??) I thought it would be £180. What has happened here? Is there something I have missed in the small print? Or is my…
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Move all money out of Cash ISA?
Hi everyone, I'm currently trying to get the various savings accounts I have built up over the years in order and would be grateful for some advice. For the past few years, I have paid monthly into a Virgin Cash ISA which historically offered a decent rate. The rate is pretty poor these days (soon to be 0.25% - yikes), so…
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Best Cash ISA
Hi Guys, 1. I have a nice chunk of money with Nationwide but need to transfer to another provider. I already made 1 transfer in into ISA a/c in April (tax year 20/21). Not sure about ISAs rules: am I allowed to move money to another provider and top up as many times as I wish during the tax year? Or I cannot top up anymore…
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Advice
Good Evening All, hope everyone is well and tucked up warm at home. looking for a bit of advice with the following. Last year I became mortgage free and saved up an emergency fund for 6 months. I’m a complete novice with investing but did dip my toe in to a stock and shares isa with Aviva Wealthify. I have contributed last…