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Cynergy bond renewal loyalty rates
What am I not understanding about why the 1 Year AER and Gross rates are not the same? Also, why would AER be compounded for durations < 1 year? And surely both are the rates of interest before the deduction of income tax? My brain is failing to compute! Term Loyalty AER* Rate Loyalty Gross** Rate 6 Months 4.06 % 4.01…
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Should I dump my stocks ?
The other side of the coin perhaps to the "should I sell my gold" thread. I'm thinking about the S&P 500 specifically which so far hasn't really been phased by the war going on in the middle east. We shouldn't try to time the market we are told, but I'm getting nervous and can't see much down side to a few weeks out of the…
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I have shares in a delisted and dissolved company - are they worthless?
Hi All, I'm having a sort out and have found a certificate for shares in Media Corporation Plc, which was delisted from AIM on 1 November 2013. I have letters from 2012 about subdividing shares, consolidating shares (which I think then never happened) and a potential name change to Leopard Oil Plc (which I also think never…
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Problem depositing funds with Union Bank of India (UK)Ltd
Following recommendations from Martin on the show we opened a Premier Bond account with Union Bank of India(UK) Ltd. All went smoothy until we called our bank, First Direct, to make the deposit payment by FPS. First direct could not verify Union Bank of India(UK) using the sort code and account number provided by UBI and…
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Co-Op Regular Saver matured but no interest?
My Co-Op regular saver matured today as per the email I received and turned into a Smart Saver. Their website says interest should be added upon maturity. What's going on? Has anyone else seen this?
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Junior ISA fund advice for my daughter
Hello everyone. I'm starting a Vanguard junior ISA for my daughter who's 3. Considering it isn't to be uesd until she's 18 or so, what vanguard fund would folks here recommend? The following keep coming up in the research I've done and wondering if any stand out as the best option? Vanguard FTSE Global All Cap Vanguard…
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Fund & Share to a SIPP: is it a good idea?
Good morning.
I inherited ½ of my dear latest’s ISA (with Hargreaves Lansdown;
let’s call it HL for brevity). But as we didn’t make it to get
married, I had to open a regular Fund & Share account, also with
HL’s platform, where his ½ of the ISA was transferred into. I’ve
already transferred some of the shares into my HL…
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Investing / Carry on regardless?
i started investing late - starting my sipp at 50, now at 51 having become comfortable and slightly more informed ive been happy to invest around 80k in HSBC global balanced fund. I realise the best thing is said to be just keep going but the high valuations, potential AI bubble and potential slow recovery with my age in…
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reinvesting cash held in Stocks and Shares ISA
hi there I sold some shares within my S&S ISA but didn't withdraw the proceeds. I have since put my full £20,000 allowance in a cash ISA (both in same tax year) Can I now buy shares in the S&S ISA using the cash held within it (£3000) or not because I aready have full amount in a cash ISA Many thanks for advice and hope I…
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YBS - log in problems etc
I've spent about an hour trying to log in - sometimes phone rings when it should provide a code but then is silent and at other times I get and enter the code online and soon after my internet connection is lost (that happened repeatedly). Cannot "Report an issue" from the log in page as that too cuts the connection.…
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Investing for our children's future
My wife and I are reasonably financially secure. We don't have a mortgage and are debt free. We max out our ISA and pay into a SIPP as well as a DB scheme. We have received an inheritance - some of this we would like to use to help our teenagers through uni and to buy their first property. What is the best way of doing…
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Post Office Savings Transfers
Can anyone advise if I had a savings account with the Post Office can I transfer that money into someone else's bank account not in my name? I have borrowed money from a family friend over the years and am now needing to start to pay it back in instalments when I can, not regularly but when I have the spare funds. I don't…
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CHILDS SAVINGS ACCOUNT
Our grandson lives in Malta and we would like to open a savings account for him in the UK but every account I have tried requires him to be a UK resident , does anybody know if it can be done or will we have to open a EU account for him ?
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Not where, but how to save house sale proceeds
We're moving house in a few days time and stand to receive some £200k paid into our joint account. The savings rates the bank offers are abysmal, so we would like to move the proceeds to a instant access savings account elsewhere. However to open a new account inevitably we would be asked for utility bills or other proof…
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saye shares & CGT
Hi, I'm retired but have a sizeable amount of money in shares, saye shares through my employer long time ago. I have know wish to do anything other than cash them. My question is; do I still have to let HMRC know through self assessment if I sell shares with CGT below the £3000 limit? Is it only if CGT exceeds £3000 you…
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How & when do you stop running your winners?
I'd been thinking of de-risking for a while and last year when Trump did his April tariff thing I decided I didn't really want to be hanging off every word he said so after the initial bounce-back it was the catalyst to sell what was, at that point, a 100% FTSE Global All Cap ISA down and reinvest in equal amounts of the…
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Santander/Cahoot sites under maintenance for 29 hours (apparently!)
I don't know exactly what you'll be able to do or at which times, but this epic period of 'overnight' disruption is 'overday' too!
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Best use of leftover company net profits when plan is to buy? SIPP? SSISA?
Every FY I can do the following: Max out basic rate dividends (37.7k) Pay myself salary to cover NIC (12.5k) Max out LISA (4k) Invest in SSISA (8k) and then usually have about 100k net profits left in my company accounts in a 1.4% AER savings account (after corporate tax, vat, and paye tax is all paid) My short term goal…
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Should I sell my gold
Hello I have a solid gold necklace that was valued at 8k. Having looked at the price of gold today it's much higher. I rang the place who have now increased the value to £9,200 and will buy it from me today at that. Rang a few others to check and it's the same offer. I have kept the necklace as in my head it's been money…
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Quilter Platform unavailable?
Hi, I just wondered if any other Quilter platform users where able to access the platform at the moment? Despite not finding ANY indication that the platform is down for maintenance, it appears to be unavailable. The URL I'm presented with when navigating through the Quilter home page to login is:…
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