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Paper share certificate
Hi how do I convert my paper share certificate into electronic or simply sell the shares?
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Anyone else having issues logging into NSandI?
Just tried via Safari and I seem to login ok but as soon as click on anything it says logged out as you pressed back button (I didn’t). Then tried in chrome and it gets to OTP entry and thendoesnt even log me in but refreshes back to login page.
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Fundsmith....
There's a Money piece in The Times today about Fundsmith which is generating comments about how it did well in a low interest environment but would do less well in a high interest environment. Since the fund prefers companies with low levels of debt, why is this? Clearly I am missing something, but I would have thought…
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Vanquis - Deeply Unprofessional & Distrustful Treatment of Loyal Customer
Been a customer of Vanquis since 2012, placing my trust in them year after year. Earlier this year, I invested my long-term savings (2 x £20,000) into their 1-year fixed-rate bonds. Due to Vanquis’s outdated and awkward account naming system, I couldn’t transfer the funds electronically had to go to the trouble of sending…
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PAYING TAX ON INTEREST FROM SAVINGS
I have just retired. My scenario is simple in that I have only one source of pension - from the local government pension scheme. My pension alone uses up all my personal allowance. The annual interest from my savings is likely to well exceed the Personal Savings Allowance though will be nowhere near the £10,000 that is…
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NS&I Direct Saver: delays to payments out. May be affecting other NS&I accounts
Just off the phone with NS&I after a long wait. I made a payment to my current account on Monday from my Direct Saver and it has yet to arrive (supposed to arrive the next day and always has in the past.) Man I spoke to said they are having problems with their clearing bank, Nat West, and payments are being delayed. It may…
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Financial advisor fees
I’ve been offered redundancy money and was looking for an advice where the best to invest. The financial advisor that I met said the fees are 3% for advice which would inc my pension, all savings and redundancy pay. My pension is over £350k so when i work out the total assets it is around £500k. So does that mean the fee…
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Nutmeg/Moneyfarm vs DIY
Hello. I wanted to sense check if I'm a lone wolf having all my investments split between two robo advisors. I have approx £200k between both of which around £150k is in their managed ISAs (ETFs). I really like their service, but have a niggling feeling I'm getting charged through the nose for fees etc. I've probably got…
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Investing and Ex Dividend
I was about to add 5K to one of my ETFs (pension) and it states that it is trading ex dividend. Does this make any difference to when you should invest, or should I just ignore it and get on with it anyway? Thanks
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Investing from USA
My son is keen to start investing but it's a bit complicated (I think). He is about to start a 2 year masters in the USA on a non immigrant visa. He will have a US bank account and receive his scholarship in US dollars. Any thoughts on the best way for him to pay into a S&S ISA or LISA without incurring conversion fees?
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Savings, interest and tax
I've recently retired and have non-isa savings of approx £100k. I am getting taxed on my interest cos over the £1000 personal allowance. Should I be re-organising my finances to ensure I don't exceed the £1000 allowance or just accept that I'm gonna be taxed every year?
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CALCULATING GAINS ON SHARES FOR CGT PURPOSES
NAME PRUDENTIAL PLC QTY 1000 PER SHR 6.4426 PAID 6,442.60 BROK 8.00 STAMP 32.21 PTM NET 6482.81 PRUDENTIAL PLC 1500 7.201683 10,802.52 11.00 54.01 1.00 10868.53 AND SOLD THE SHARES AT PRUDENTIAL PLC 2500 7.214902 18037.26 11.00 1.00 18025.26 I BOUGHT AND SOLD THE SHARES AND WANT TO WORK OUT THE GAIN FOR TAXES. HOW DO I…
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Inheritance tax question - gifts put into savings
I have recently lost both my parents, a few months apart, and have received an inheritance. With the value of my home, and being single, this now raises the issue of inheritance tax should I meet an early demise... IHT is not something that's ever really been on my radar before so I'm trying to educate myself. I am…
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Which of these Vanguard options is best for a first-time investor?
So I'm planning on investing with Target Date Funds as per Ramit Sethi's advice, for those who just want the most straightforward approach. I'm thinking of just choosing a 5-year option for now to test the waters a bit. I was originally thinking of picking this…
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Monmouthshire BS Deposits
Anyone know if there's any known issues with depositing funds recently?, I ask because I sent £1 to my easy access account at around 1am yesterday and it's not shown up yet.
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maximising savings interest
I may be way off and admittedly i am not great with numbers...but.. there are several accounts out there that pay between 5% - 7%, on between 200-300 per month. say first direct as an example, £300 per month. £3600 per year - £152 interest. is it theoretically better to say have x amount, in a easy access saver or any such…
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Crypto dating scam help
A friend of mine has been chatting to an Asian lady online for some months. She has a business in Europe. They chat by video call. Today he has told me that she is helping him trade crypto currency something he knows nothing about. He has opened a Kracken and a Foris mt ltd account. He says they are sharing the success and…
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NS&I's one and five-year British Savings Bonds are back
NS&I has refreshed its range of fixed-term 'British Savings Bonds' by bringing back its one-year and five-year options and boosting rates. Its new deals are strong across the board, especially if you're looking to save with a well-known name – though you can earn a bit more from the top-paying accounts elsewhere... Read…
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Oxbury
Anyone having trouble getting logged into Oxbury??? Unable to log in. App states unable to connect to Oxbury and no reply on phone at bottom of emails
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St James Place compensation offer
I've finally received an offer from SJP for compensation for their lack of actually doing anything. They have upheld some of my complains and not upheld others. They have offered me around £800. This is also, separately, going through the FOS . Do I accept this offer? Wait for the FOS? I've not really been in such a…
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