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Skipton B.Soc Privacy policy email
Received an email from Skipton BS today telling me about their updated privacy policy.In particular I note that · We will securely share
some basic information about you (such as your email address) with our
carefully chosen advertising partners, plus social media companies. NO - you will NOT be sharing my email address…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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Closing Multiple Accounts
Hi, I have a good few accounts empty accounts now from taking up offers for ISA's and savings and I am wanting to close them. Am I right in saying that it's best to download a copy of all statements from an account you're about to close so you have a trail of where your money has been in case you need to prove anything in…
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extra fees for buying on different stock markets?
Hi I've got a freetrade account I had an interest in buying these shares: EssilorLuxottica €ELp I notice when I buy or sell there appears to be a FX fee can anyone fill me in on what this is and how much it takes per transaction etc?? is it worth on this basis avoiding either individual shares, or specifically individual…
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At What Portfolio Size Would You Consider Professional Advice?
I've always been curious about this. Many people manage their own investments successfully, but at what point do you think it becomes worth getting professional advice? For example: £100k? £500k? £1 million+? Only when retiring? Never? Is it about the amount of money, or is it more about life events like retirement,…
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Vanguard lowering fees - that's nice
Just got an email that Vanguard are lowering the fees on their FTSE All-World ETF from 0.19% to 0.14% - a 26% reduction! Not to be sniffed at - I wonder what drove them to that - presumably the competition and loss of customers?
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SpaceX IPO
I am a UK citizen/passport holder and reside in the UK (for tax purposes). I do not have any other nationality. I wish to take part in SpaceX's upcoming IPO to the tune of in excess of £50k ideally using cash I already have prepared for the IPO currently held in a (UK online broker) stocks & shares ISA. I understand that…
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Old before your time?
Saga has a 4.5% easy access account. At the moment that seems to be the best non-ISA rate for large amounts. Saga is marketed to over-50s but is available to over-18s. I ‘qualify’ on both counts but doubt I would have opened an account when much younger. What is your age and would you have opened a Saga account if you were…
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Halifax Reg Saver 8% - no idea where to open one !
Just for non Halifax / Lloyds members - has anyone actually managed to open one of these new accounts? I have been on the website and appear to be stuck in a doom loop and unable to actually find the place to apply ! Any help / links appreciated. I've also tried the app, but this states that I ned to open a current account…
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How to maximise my savings?
Hi folks I've been banking with HSBC for quite a few years now, but their interest rates aren't particularly great so it's time for a change. After weighing up my options on MSE I've initiated a transfer of my cash ISA to Vida, and have already moved my easy access savings (about £32K) to Chase. I was just wondering if…
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Anyone managed to beat the FTSE 100 in this simulator?
Hello folks, I stumbled across this quick interactive game today and thought some of you might find it interesting: https://www.strategicwealthpartners.co.uk/can-you-beat-the-ftse-100 It’s a 10-year historical simulator where you try to time the market based on real news headlines from the past. It really drives home how…
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Do we need to report a sale of shares?
We have sold some shares, on behalf of our grandchildren, that were in bare trusts, the gain is under £3000 per child, they are not taxpayers. Does this need to be reported to HMRC?
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Retirement Investment portfolio thoughts
Considering retiring soon Aged 45 with a view to living until 90 or so, current portfolio in a variety of single stocks totalling around 1.5mil all in tax wrappers, Thank you Rolls Royce Our FIRE numbers Here have pension income/lump sum kicks in at 60yrs, 25k / yr and 144k lump sum. We have no children and no plans on…
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Opening new BoS current account?
We have accounts with Lloyds and Halifax, and have opened the 8% regular savers for Lloyds (OH), Halifax (both of us), and BoS (myself only). I have already got 2 Lloyds RS which I will let run to term. I didn't have any previous relationship with BoS but managed to create a login by using my Halifax account details. I now…
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SUN LIFE OVER 50 PLAN. A WORD OF WARNING
In November 2006 my father opened this plan with SunLife. He agreed to pay them £22 per month and was guaranteed a lump sum payment of £2,040 upon his death. My dad continued to make these monthly payments right up to the day he died at the grand old age of 90 in January this year, in fact Sunlife took a payement out in…
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Advice for ISA for wife
Hi, my wife is thoroughly pee'd off with Aviva since switching her pension to them, they seem spectacularly unable to take her direct debits every month. So she's decided just to leave that pension as it is with no further contributions and set something else up instead. She's 56 and this will go towards retirement, but…
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Gifts out of excess income
One of my parents has been diagnosed with a terminal illness. There was a life insurance policy, which paid out to the children, and premiums paid for around 10 months. We will be using the gifts out of excess income exemption for IHT purposes for these premiums. This has been the only time, thus far, that we will be using…
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IDS PLC / EP Bidco claim form
EQUINITI tell me i have to find the share certificate for my Royal Mail plc and sign a letter of indemnity which will carry a charge. But there was never a share certificate I could trace. But I have all of the dividends tax vouchers to prove i was the shareholder all the time. How much will the charge be? The number of…
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Selling Australian shares
Hi folks, my mother has recently (after what seems like it took forever to sort!) had a number of shares in Commonwealth Bank of Australia transferred into her name, that used to belong to my deceased father. The shares are managed by Link Market Services, but it appears as though it won't let us sell the shares via their…
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Etoro free £100 shares
Just a heads up Just opened Etoro via mse link to claim £100 free shares if you deposit £200 I added Initial small payment to check it worked ok Then sent second payment to make up to £200 However it appears that only the first payment is accepted so needs to be £200 to qualify for free shares Therefore I have just wasted…
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