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Comparing ISAs and Charges
Is there a public website available free to users which allows comparison between different companies ISAs, and which also compares charges?
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Muppet Money
Came across an interesting article this morning. According to Henderson Global Investment: Full article http://www.cityam.com/212800/muppet-money-investors-are-losing-out-billions-parking-savings-cash
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Tax Credit for UK dividend
Hi, I've just logged into my online shares account and looked at the tax section and it reads Tax Credit - £13.90 What does this actually mean? Do I need to fill in the pay, or has it already been taken out? Thanks
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Selling shares through Equiniti : when do they need the certificate?
I placed a deal to sell a portion of shares held with Equiniti and I was expecting them to give me instructions about sending them the share certificate but they didn't. They don't seem bothered about needing the certificate. Is it because they're a registrar? Don't they need the share certificate to make the settlement…
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Annual ISA Amount
Help! I am confused. Since April 2014 I have just over £17000.00 invested in my ISA. Obviously this exceeds the £15000.00 limit, but my Bank informs me that this is allowed as the £15k is an annual limit, i.e., I can invest 15K each and every year. Is my Bank correct, as I don't think this point is made very clear in…
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Credit unions and data sharing
My friend and I were talking about this today. She has an account in the credit union as she prefers it to a bank. I had mentioned that with credit unions, you have to pay tax on the dividends. She believes that the HMRC would know all about any dividends received and that she doesn't need to inform them. I know that with…
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HSBC Online Bonus Saver - Interest Plummet
Warning folks. I received a letter today informing HSBC are reducing the interest rates on their Online Bonus Saver with effect of 2nd June. Standard Existing rate Net 0.2% Gross 0.25% Aer 0.25% Standard new rate Net 0.08% Gross 0.1% Aer 0.1% Bonus existing rate Net 0.60 % Gross 0.75% Aer 0.75% Bonus new rate Net 0.4%…
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UK Savings Account but moved abroad.
Good morning, I'm looking for a little advice. I have an (joint) savings accounts based in the UK, which I would like to move. When first opened, it was a fixed rate interest for 2 yrs. Then I moved abroad and simply left it as it was. I stupidly realised that the fixed term ran out and the interest last years was only…
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What is your ftse 100 Easter prediction?
What do you think the ftse 100 will be on Good Friday (April 3rd)? The poll will close 30 January.
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Saving Account For Our Newborn
We have recently had our first child. Could someone recommend a saving account? We are likely to put the child benefit we receive into this and all the monies she has and will receive for birthdays etc in this. Thanks
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Saving for my 30th.
Hi, I am looking to start saving for my 30th Birthday in 3 and a half year. I want to book a big holiday with my friends to the Caribbean and then there will be a trip to New York 6 months later. I am hoping that during this time I will be able to save the costs of the holiday and the spending money. My question is where…
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MSE News: New rules confirmed, which give more protection to savers if their bank fai
The FSCS limit will be increased from £85k to £1 million for temporary balances under new rules outlined by the Bank... Read the full story: New rules confirmed, which give more protection to savers if their bank fails Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it…
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Advice on Inheritance - Trust Fund, buy to let?
Hello, Im hoping to get some general advice. Unfortunaly my husband recently passed away. Our mortgage is cleared and we recieved various death in service payments. Roughly, i have around £370,000 which has been put into an offshore trust which i take £2,000 from each month for cost of living but the fund is still…
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Share certificates discovered
My mother in law passed away recently and we have been sorting out her effects. We came across a cache of share certificates for WH Smith, where she used to work, totalling 158 'A' ordinary shares. We thought that she had sold her shares, and there is a receipt from Lloyds showing the sale of 142 shares in 1999. But we are…
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HL withdraw 90% of your funds?
Has anyone else noticed that when you have money in a fund and you try to withdraw it, it says you can withdraw up to 90% of the value? What's this about?
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Only NS&I require Probate?
My father died at Christmas leaving a will. My mother is the sole beneficiary and executor. His pension, joint savings accounts etc have all transferred to her on provision of a copy of the death certificate and the will. There is no house or other property and the total estate is under £100k. However, my father had £30k…
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Fedup with sippdeal/youinvest/AJ Bell charges
Hi, Ok, I've had it up to here with youinvest / sippdeal / whatever they wish to call themselves today. - Forex charges that bear no relation to actual costs. - Other charges and fees. - Lousy stock quotes (wide spreads) - Lousy stock search, and many international stocks are "telephone only" (surprise surprise ... more…
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What do I do if the Santander rate drops?
I currently have £21,000 in an ISA but Im tempted to open the Santander 123 account and putting £20k in it so I can get the 3% interest before tax. I have £16,000 in another account so could open an ISA as well for 2015/2016 and max it straight away, BUT if the Santander 123 rate drops dramatically what do I do with the…
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Current account question
I'm interested in switching from Nationwide Flex to Yorkshire Banks Current Account Direct as it's offering £150 for switching. I have a couple of queries. 1. One of my main points for not switching is that I thought it'd be hassle letting my employers know that I wanted my salary going to another account. But reading…
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Advice on UK banking FSCS - just a couple of quick questions
Hi guys I just want to clarify. From what I've read on MSE about the UK banks' Financial Services Compensation Scheme, joint account holders effectively get up to £85k cover each, but I can't quite work out how it works in all scenarios. For example, if my wife has a single account with HSBC, and we also have a joint…