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International Share Transfer
I have an Equiniti account holding some of my shares, I also have some Airbus shares held in the Netherlands by Societe Generale. I have been trying to get my shares transferred to my UK Equiniti. I am finding it difficult to find out exactly what form I need from each company, I would have thought this would be something…
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Chip Savings Account - a scam?
CHIP financial periodically promoted in the weekly MSE email, have to date, failed, after several months of trying, taken a single payment for 'investment' This is, according to them, because the linked account (Santander) has a problem. Yet remarkably, they were able to take one of their ever inflating charges from the…
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Best fund/investment for funds for property purchase in 3 to 4 months
Hi. Need some advise. I have my money in a stocks and shares ISA invested in Vanguard Lifestyle 60. I've agreed a property purchase but the sale won't go through until January or February 2022 as the current occupant won't move out until then. I want to leave the funds in the ISA in case the house purchase doesn't go…
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Paper share - help to register!
Hi all, so for almost two years now I promised my FIL to register all his paper shares. I signed up with Hargreaves Lansdown to do this, but they have suspended the service due to Covid, and for the good part of two years have yet to re-open it or have any view of re-opening it. Any other broker that register paper shares…
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Crypto - speculative long term punt
I am thinking of dropping a very small amount of money (<£100 i.e. happy to lose territory) into a few types of crypto coin. I wouldn't be trading, just purchase a small amount and hold it long term (5+ years) as a speculative investment. Any advice on how to go about this? E.g. Exchange vs broker, let them hold it vs…
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Child Trust fund - what to do with saved money (son is now 18)
My son is now 18 and can access his CTF. He can either withdraw all or withdraw some and save some with the current company. They offer either a Lifetime ISA or a stocks and shares ISA if he wants to keep his money with them. His other option is to withdraw all and put in to a different account. Don't want him just…
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How would split the percentage?
Hello everyone. First time ever post here. I have a dilemma how to split the funds available to me at my workplace. There are 8 fund available to invest in, but I have chosen only 3 of them, which are the most riskiest of all (only equity) and hopefully with the highest possible returns. So how would you split them in…
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Yorkshire Building Society Stopping usage of ATM cash machines and withdrawal of cash cards
What are members feelings on The Yorkshire Building Society withdrawing ATM capability by withdrawing cash cards from its savers on all their accounts ….you will have to transfer money to another account with another bank in order to be able to withdraw cash or go to a branch ….if you have one near enough of course ….what…
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Trust Fund
My dear dad started a trust fund for me (his only child (and adopted!)) about five or six years ago with Halifax / Bank of Scotland (possibly through Schroeders). We have a meeting soon with a FA from Halifax and my dad would like my input. He tells me he pays about 1% annually and that it's invested in an FTSE-tracking…
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SMT
Price seems to be on a roll any particular reason ?
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Not on Mortgage no wills or trusts
Good Morning All, can anyone advise what I need (im trying to get solicitors appt btw) My partner sold his house when he divorced then bought another house that we live in now, I then sold my house and put £38k into this current mortgage (only in his name) we later got married. I have a son and my husband has no children,…
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Capital Gains Tax on Share Sales
Wonder if anyone can help me please I am a basic rate tax payer (pensioner) But thinking of selling my shares to buy a house (I should have started an ISA earlier I know, but it didn't seem worth it when there was no tax on dividends, and I wasn't expecting this much capital gain. Better still bought the house sooner but…
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Al Rayan 12 month 1.45% fixed rate
Has anyone opened an account with Al Rayan recently? I've gone to open the 1.45% one year fix today (seems best rate now Atom have taken their 1.5% 1yr fix off the market) - and got to stage 4 (out of 5) on the account opening process. It then gave me a message saying it was progressing and they would be in touch - anyone…
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Oaknorth. How long does a deposit transfer take?
I opened a notice account today with Oaknorth. I deposited a £2 tester from my HSBC current account and it was credited in to my new Oaknorth account immediately. I then transferred a more substantial sum at 1pm. I then got a fraud alert text from HSBC asking me to confirm I wanted to proceed which I agreed to. By 4pm the…
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Investing for a house deposit
Best way to Save for a house -would investing in the stock market or funds be a good way to get a deposit for a house? -what are some of the best ways get enough money to buy a house or get a deposit
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Cynergy Bank Asking Questions.
Hello I opened cynergy bank easy access account a couple of weeks ago & I've been topping it up over the last week with savings. I received an email on Monday I phoned cynergy bank yesterday and they said it's a genuine email from us. Has anyone else had this sort of thing from cynergy Bank asking my annual income and how…
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Recognise Bank 5 yr 2% interest rate
I saw I saw an article on a financial page saying that Recognise Bank were offering 2% interest on a fixed 5 year account. Has anyone looked into this?
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Managing a legacy
Hi All, I am a newbie here and would be grateful for some advice. I am lucky enough to come into a bit of money - about £250k. I have an interest only mortgage with my wife for about that sum, with a good fixed rate deal that expires 2025. I am in my early fifties and have a pretty negligible pension - £40k or so, a £20k…
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Atom decrease rates
Atom new fixed rates decreased to 1 Year 1.3% 2 Year 1.55% 3 Year 1.75% Oh! why did I not open another account yesterday. Feeling very miffed.
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Monthly interest on a Fixed Rate savings account and tax
If I open a 1 Year Fixed Rate savings account and opt to have interest added to the sum monthly (not paid out), would that interest have to be declared (for tax purposes) according to the month it was paid into the account (as it will span two different tax years), even though the interest wouldn't effectively be received…
