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Cynergy Bank
I have a couple of 12 months bond maturing in February so looking to save them with someone else as they are offering very poor rates to re-invest. Cynergy bank appears to give a good 12 months bond rate but I have never used them before. Anyone got experience of this bank and can share your experience? Thanks
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Trading 212
Hi, Is Trading 212 a good way to start investing? Thanks
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Mortgage, Invest or Avoid
Am currently going through rough time and near the end of a divorce, it looks like my partner wants to move out of our marital home to a new place so going to buy her out (60/40 split in her favour on equity). That means I am going to need to re-mortgage the remaining £330k on the house which is a big stretch. I can just…
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Skipton - Anyone else having trouble logging in?
Tried to log into Skipton on my app. Wouldn't take my passcode. Then tried forgotten passcode link but wouldn't take my online password either to reset it. Don't want to be locked out. Wonder if there is a blip on their system. 🤔
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HMRC payment end Feb deadline for estimated letter.
Hi asking for a friend's dad.... The father never had to do q self assessment before and was paying on the estimated tax owed letter HMRC had sent each year. However, investment income means he started a self assessment for 24/25. Unbeknownst to him, HMRC haven't sent a UTR code although it was requested months ago. Rang…
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Bed and ISA with Bonds
Hello Investors, I have a question, I'm used to Bed and ISA for transferring shares in funds and shares in individual companies from General Accounts to an ISA. Is it as simple with Bonds? I've avoided Bonds until now, but something over over on ii has caught my eye. I'm thinking of investing about £5,000 in some bonds.…
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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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S&S ISA transfer
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IG.com
I opened an account with IG, as recommended by MoneySavingsExpert, transferred funds in, and they quietly rejected the payment without any notification. I only discovered the issue by chance when I logged in, which is completely unacceptable for a financial institution handling client money. What should have been a simple…
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Vanguard fund, how to sell without triggering capital gains tax?
Hi, In my Vanguard GIA account Ive been investing in the FTSE Developed World ex-U.K. Equity Index Fund - Income. Im thinking of 'cashing-in' on the recent gains, which in total are slightly more than the £3k capital allowance limit. How can I sell the right amount to keep myself below the capital gains limit? Also, do I…
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Do Lloyds bank care where I have my investments?
Currently I use Lloyds Bank for normal banking - just a free current account and normal credit card that is automatically paid in full each month. Usually anything between £2-10K in the account. I have about £500K invested with IWeb/now Scottish Widows. Can Lloyds Bank "see" this and if I transferred some/all of it to…
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£50,000 Premium Binds limit reached
Hi, I have reached the £50,000 limit in Premium Bonds, but I have a DD going in each month. Where should I continue paying the DD into?
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Crypto Trading sites
Hi, I was wondering if someone could explain the crypto trading sites and the differences between them when it comes to value you get from each platform. There seems to be a clear difference between these sites that all have the same %age fees. For example, I have signed up to 3 different platforms and have noticed that…
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Top of the Stocks
Top 10 this week 22/2/2026 Just talking about the good old days listening to Top of the Pops. Somebody said wouldn’t it be easier to invest if the FTSE Index if it were listed in the same way. Just because it’s number 1 today doesn't mean it will stay there. Treat it as a narrowing down of the choice. What do you think?…
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If you have £8000 in Bonds, Questions about transferring out? (Many concerns ! )
If you have £8000 in Bonds, Questions about transferring out? (Many concerns ! ) My friend is a widow, and unemployed, and her husband and her had some Bond stock/shares in some companies. It was mainly her husband who set them up but she was on the name of one of the bonds - Pru. Here attached is a 3 page letter of one of…
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CGT: totally clueless here.
I am very out of my depth. I have shares given to me as sign on bonus that are now vested and sellable, plus shares I have purchased myself via an employee discount scheme. I want to take money out of the shares to do an extension on the house. I am frightened about capital gains tax because I have literally no idea how to…
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VAT on silver bullion
Hope no-one minds me checking a very simple point? Buy (say) a one ounce silver bullion coin. VAT payable on purchase price. If you were then to sell the coin back to the same dealer -and the silver spot price hadn’t changed much - you’d ‘pay’ the dealer’s margin. (buying v selling price), plus you’d effectively lose the…
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T212 S&S ISA - US/Tech Proof, Value Tilt
Thinking of swapping out TDGB with VUGA once S&P 500 becomes viable for GBP again. Any thoughts in general? TIA
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Statement of Outstanding payments + fees ...Equiniti
Hi can anyone advise? Had a letter through from Equiniti that I dont understand. A previous employer ..saying I have a statement of outstanding payments..and there's a management fee payable? Ive no idea what this letter relates to..I haven't sold any shares (that I know of) There was a de merger but I have been issued a…
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Postal application for saving accounts safe?
Hello . I recently applied for a postal only saving account, my first one. But on receiving the application pack today, l have cold feet about the process now. The state of the postal service in my area has taken a nosedive and lve had some shocking conditions of the state of my post. Ripped, dirty, and late. I really dont…
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