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Which platform to use for shares to regain their value
I have had some Lloyds and NatWest shares for some time and they have gone down in value. I don’t want sell them at a loss but want to move them to a cheaper platform as they pay virtually no dividends. Hopefully they will regain their value eventually. i have an isa with iWeb but they are not perfect and was hoping for…
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When to withdraw money from a stocks and shares ISA?
Hello, I'm trying to get my head around how stocks and shares ISAs work as I'd like to move over some money I have from a cash ISA. But I'm not sure I understand quite how they work. Whenever I read the guidance on the ISA site, it just makes my head spin! Maybe this is already an indicator these aren't for me...but…
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Business Gas Supply
Our property has a gas supply, I have the meter number, and the MPR number, we are using gas, but we are not being charged. The MPR number or meter number is not registered with the national grid. I need to know which suppliers are taking on new gas customers, because the ones I have tried aren't.
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EU Baby - Brit Bank Account
I am British with a baby daughter who has Dutch nationality and residence. I want to get her a UK bank account, preferably with a ‘real’ high street bank/building society. I have been asking around but had no joy. Can anyone advise? Thanks!
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Discretionary trust
Hi, I 'think" I want to create a Discretionary trust for my son. He has a lump sum of cash he's inherited, that I'd like to retain cover over until he's 25 (almost 20 atm). A discretionary trust seems to fit the bill but I'm sure what the options are for the actual funds. Do banks offer trust accounts?
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TSB Regular Savings Account
Check out the new Regular Savings Account with TSB save between £25-£125 per month and receive 2% gross/AER ….👍🏼😎
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Anyone else not getting their OTP texts through in time to checkout?
I'm with FD and they have forced this horrid new mastercard on us. Ever since, I keep trying to checkout in Tesco or Sainsburys and they keep telling me to request a OTP via text and it takes so long to come through that the time has expired and the payment does not get authenticated. I have to ring up and wait ages (FD…
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Morrisons shares. Next step?
Following the takeover of Morrisons, what will happen to my shares? I am away from home at the moment, so I do not have access to my post. Should I be doing something? TIA
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Chancellors autumn speech next week and its impact on short term "investing"
The UK Chancellor is preparing for a budget speech next week. I have a stocks and shares ISA for ten years and am investing for the long run (another 20 years). I choose stocks and funds based on fundamental analysis principles. I also have an interest in technical analysis and have had a paper trading account for three…
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DD suggestion... Prescription Prepayment Cert
This may be more useful with the 'rumoured' upcoming changes to up the age for free prescriptions to SPA? 'Search' couldn't find the main 'Where can I get another useful DD for switching/interest' thread - so if someone lets me know, and, if it's not included, I'll copy this over & delete it here. Spotted a possibility if…
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When will 2 yr fix increase?
I want to place a sum on a 2 year fix. The best rate is with Al Rayan at 1.76% whom I have used a few times before and am happy. In years gone by I have locked in a 2 year fix only for base rates and available 2 year rates to increase shortly afterwards. Over the last few days there have been news stories about base rates…
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ISA Stocks & Bonds for Children
HI what is the best way to save for 2 young children. Currently they are in ISA Stocks and Bonds but i don't know really what i am doing, ty
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Transferring dollars from US brokerage to UK bank account
Hi, I have a few hundred dollars in a US brokerage after making some profits trading stocks and I'd like to withdraw it to my UK bank account. I've looked at opening an international bank account as I will be withdrawing money on a regular basis and would like it to be kept in dollars until i'm ready to exchange it for…
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Pension Allowance and Tax Relief from Third Party (Vanguard SIPP)
Just trying to work out how I can get the most tax relief by putting money into my Vanguard SIPP. Current situation I am a company director and have been left some money which I want to get into a pension. As a company director I take a minimum wage (£12500), my wife works part time and earns £6000 a year. I have already…
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Best place for £25k
Hi, we are aiming to buy a house in the next few years and have £25k saved (aiming for £30-£40k). This is currently being stored in premium bonds for ease (boo,hiss). Can probably commit to 2 years fixed rate but returns are awful. Are there any other savings or Investment routes for this amount with a decent (or any worth…
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Thoughts please on BG US GROWTH TRUST.
In order to reduce the heavy charge for holding funds in HL, I have been exchanging, when researched and found suitable, the fund to the equivalent or as near as possible IT. I would welcome thoughts on exchanging my holding in the BG American fund to BG US GROWTH IT, they have both performed well over a number of years…
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Interest rates
Interest
rates A few months
ago, interest rates slowly started to go up all be it by small increments. Now,
I’ve noticed a reverse of this process, again by small increments, MSE rates,
HL active savings and Raisin for example. Now is it
the sinical side of me that thinks most institutions believe interest rates
will go up…
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Help Choosing Investments - Moneybox to Freetrade
Hi, I'm relatively new to investing in stocks and shares ISA and I currently use Moneybox S&S ISA with the Adventurous allocation (80% Fidelity World Index, 15% iShares Global Property Equity, 5% iShares Overseas Corporate Bond Index). Moneybox has a 0.45%/yr Fee + £1/mo + ~0.3% (depending on fund) This seems to be working…
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NSandI linked bank account problems
I recently opened a new bank account and changed the nominated account on my National Savings and Investments Income Bond. When I attempted to withdraw money it failed and I had a phone call from NSandI saying the name verification failed. As a test I then had my daughter attempt to transfer money to my new bank account…
