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NS&I security - password
I was trying to apply for an account as a new applicant. Part of the registration process requires provision of a password - minimum and maximum number of characters, numbers, upper and lower case. So I create one - assessed by NS&I as "fair". Before inputting a second time to confirm it, it suggests adding symbols. So I…
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Japan ETF, but the Japanese market is closed?
I was looking at a Japan ETF on the London exchange, how is it possible to give a "live" price of the Japanese stocks/ETF if the Japan stock exchange is closed.
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Al Rayan Bank - Everyday Branch Saver Account - Daily Withdrawal limit ?
Does anyone know if there is a daily withdrawal limit (transferring out to a nominated account) ? Thanks in advance
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NS&I Income Bonds
Warning: if you set up a new NS&I Income Bond account (one of the best easy-access accounts recommended on this site), and transfer money to it using a debit card, then if the transaction takes place between the 20th of one month and the 5th of the following month, the funds will not appear in your NS&I account! I was…
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Share certificate
I've got approx £1k shares coming through from a share saver scheme in the next few weeks. They send us a paper certificate so I want to register them and then sell them online I was going to do this through my HL S&S account but it looks like they arent offering that service at the moment. Can anyone else recommend a…
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Universal credit and pension draw down
I'm self employed and have claimed universal credit in the interim of claiming the self employment grant. The first month was paid OK however this months has been stopped. The reason being that I cash in a private pension in order to pay off some of my credit card debt. I took more than the 25% tax free so about £5000 was…
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How to find foreign investment trusts?
I am looking for investment trusts that are traded in Euro and in US dollars, and so presumably are listed on exchanges in Europe and the USA. This is proving to be difficult: while the US Morningstar site gives details of "closed end funds" that are essentially what we would call ITs, I have not found anything remotely…
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What to do with £60k
We have £60k left from my inheritance from my Aunt in 2015. At the moment we have £20k each in a Santander 123 account, which pays a decent amount of interest, and £10k each in Premium Bonds, which of course pay no interest but we do have regular small £25 wins (I would say at least seven a year each). I am convinced we…
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Inheritance lump sum
My son aged 13 has been left a large amount of money in his grandfathers will which he can not have access to till he’s 21, any suggestions for investing it till he turns 18..many thanks
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Best for easy access to funds
I have around £40,000 sat in a bank account at the moment. I don't need it this second, but possible will need access to some of it with little notice, it is all earmarked for future use but not for the next three months. My gut instinct is that it sitting in a current account is making me absolutely nothing - should I/can…
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Vanquis Bank - Savings
Morning, I've invested a large amount of money with Vanquis Bank - Savings. April this year, 1 year fixed 1.6%. great rate and protected by FSA. I received an email from Vanquis asking me to login, after several attempts I received an email to ask me to contact customer services. The fun began. After several long phone…
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Lawyer Hit by Cyber Attack - Possible Data Breach - Preventative Measures?
Hi all, My mother recently received a letter from her lawyer stating they'd been victim to a cyber attack - their data was encrypted by outsiders and they were held to ransom before contacting a specialist firm to regain control of their system. The letter states that, while there is no evidence that custom information has…
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Paragon
Does anyone know if you apply for a Paragon savings online account, so they carry out any credit checks or any other verification? Or is it simply a ID check. I can't find anything online regards it, says for loans but nothing for savings accounts.
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Raisin
I can't believe there isn't a thread d somewhere here about current dreadful lack of service from Raisin which they say is caused by their popularity following recommensations on this site but I can't find it. Can anyone help?
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Diversifying
What would you choose along VLS100 to diversify further ? TIA
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Does increasing pension contributions avoid tax?
as the title, My company dont offer salary sacrifice, and I'm just into the 40% bracket. Would increasing my contributions to 10% avoid HRT as it should give me NET salary below 50k? If not, what other choices do I have to avoid 40% tax?
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Pay off mortgage or invest into index funds?
Hi All, I would like to ask for your advice on whether financially I’m doing the
right thing for my future. Here’s my situation: I’m now 31 years old, I started working at age 26 after
some postgraduate study. My current
salary equates to around £34k per year including overtime. I have a house with a mortgage, £64k…
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Tax on dividends if you have no other income
Hi. I know you get an allowance of £2000 on any dividends that you get outside of any being held in an ISA. But, if you have no other source of income, do you pay any tax on dividends once the £2000 allowance is used up? I'm thinking you don't .... but would appreciate other peoples input. (I could go to HRMC, but not sure…
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Investing as an Expat
I'm looking for some advice investing as an expat. I researched how to invest as a beginner on MSE and I concluded that Vanguard's LS80/20 asset best matched my investing ambitions. I'm a 31 year old lecturer based in China, paying tax in China and want to invest for the long-term (20-30year horizon). I have a small amount…
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MSE Poll: When did you last move your savings?
Poll started 26 May 2020Savings rates have plummeted since the UK base rate was cut to a historic low of 0.1% in March. So it's important to check your savings are earning as much interest as they can – and if not, move them (see Top Savings Accounts for the current best buys). Yet we know switching savings isn't…
