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Question of an old Virgin Gilt and Bond ISA
In a period up to year 2008 my wife and I had built up approximately £43.000 in a Virgin Bond and Gilt ISA At this time my wife was in her early 70s and I was in my late 70s so we decided to only touch these investments in an emergency. We have not taken out or put in cash since then and not being bothered about the slight…
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Loosing Aviva Gems...
New experience via HL Isa. Aviva Gems Unconstrained fund is closing soon. I can either close and choose a new fund or close and collect deposits. Looking forward to choosing a new fund, is there any recommended Global emerging Markets Funds. thanks
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Poor Financial Advice in Newspaper?
I know there are sometimes posts on here where some suggestions are considered to be inappropriate or not taking sufficient account of personal circumstances but I've noticed a number of articles in the Telegraph where the chosen Financial adviser/planner has made what I would consider some very poor recommendations. I…
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Depositing dollars in a Stocks and Shares ISA
I am planning to open a stocks and shares ISA for the first time. I see with all the different recommended providers in MSE, there are currency conversion charges of around 1% to 1.5% for buying US Stocks. On £20000 this could translate to upto £300 and not to forget the bad exchange rates they offer compared to Revolut. I…
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eToro - Withdrawal Issue
Back in January 2022 decided to withdraw $775.00 USD with an exchange rate to UK £'s of 1.3731 (rate provided by eToro) By my calculation that amounts to £564.41 GBP What i received was £499.99 Having been in touch with eToro, they suggested i contact my bank. Having contacted my bank, they do not appear to offer much in…
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First time with a lump sum to save, best options please as new ground for me!
Hi all, In my early 40s and have come into some inheritance and for the first time in my life I guess I have "savings". It will be around £10k in value as a small-ish amount I will keep ready as my wife has recently become self-employed and working from home, so I am expecting our household bills to substantially increase…
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Advice on US Stocks/Shares and Withholding Tax
Hi all, I am wanting to open a stocks and shares isa and have been doing some research for a few months. I just can't find a solid answer to a question I have. If I am wanting to trade US stocks I note I have to complete a W-8BEN form and there is a 15% withholding tax. My question is does that withholding tax count for…
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Failing Stocks
Hello everyone, hope you had a great start to the week and are keeping positive. I kindly wondered how normally stocks would publish that they have a concern or are struggling. For instance a penny stock (small cap stock) that does not make any money and is having trouble raising money from investors? Would they usually…
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OR is it a scam?
E-on 'electricity bonds at high rates claiming to come from MSE ?- received today (8th Feb)
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Cprompt Uk ltd.
I have had calls from a company called Cprompt UK Ltd saying they are a no win no fee solicitors who are recovering investments in Fluid Isa Who are apparent in liquidation. Can anyone confirm they are a legitimate company or scammers. They are asking for a 5% fee to get my investment back.
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Overestimating Financial Ability
I saw this survey earlier which had some interesting results. According to the data only 5% of people thought their financial knowledge was poor or very poor. 33% thought it was average and the majority (63%) thought it was above average. I guess similar to the number of drivers that think their driving ability is above…
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Transferring cash ISA?
I am looking to move £20k from my cash ISA as interest rate is very poor but I am not sure what best options are: - different cash ISA provider paying a better rate, for example Shawbrook at 0.98% (1-year fixed) - premium bonds as I already have 2K there - an easy-access savings account, for example Shawbrook Bank at 1.08%…
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help to save bonus received today- i expected to get it all?
Hi quick question- i am 2 years into my help to save account and received my bonus today. I thought I would get the savings as well as the bonus? cant log into my account at the minute to see but does the savings just continue and you only received the bonus? is the full savings only available after the 4 years?
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Legal&General Int. Index Trust
I have a specific question about Legal and General International Index Trust Accumulation. If id invested a lump sum of £50’000 on January 1st 2017, how much would i have now? Ive tried to work this out myself but not sure if im getting the correct answer. Is there an easy way to work this out?
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Best way to save for my child?
My wife and I want to save money for later in our child's life and was hoping for some account / practical recommendations please! We want two savings accounts - one that we can access easily (not necessarily instant access but we don't want a long notice period) for things like school trips, swimming lessons etc. and…
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Premium bonds
Premium bonds have crossed my radar recently. I just looked into them, and I must be misunderstanding them. I can't think of a worse thing to do with your money. Could someone help me to understand this? Apparently, you buy a premium bond and they (NS&I) give you a premium bond number. Every month, there is a prize draw.…
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Care Home Gifts
My parents have gone into a care home, selling their home for £250,000 which will pay for their care. They have always been very generous to family giving cash for birthday presents etc. How much can they now give per year to family members out of this cash held.
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Tax payable on a discounted trust
Hello, I hope this is the right forum for this. My wife's mother (a UK basic rate taxpayer) set up a trust nearly 20 years ago. From the documentation I can find, I believe it is called a Delta Discounted Trust and is held by Canada Life International on the Isle of Man and invests in funds such as CLI Fidelity Multi Asset…
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Wolseley shares - expired?
Hi, I have shares in Wolsley but I've just found out the company was sold last year. I've not received anything from them for a few years. I've tried contacting someone but can't seem to be getting any answers. How long before shares are written off? Have I lost my shares? Thanks for any advice!
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Trail Commission Rebate
Can anyone recommend a provider that rebates trail commission? Thank you.
