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Employee Barclays Share Save - I've left employment
I've recently left my employment with Barclays Bank and bought company shares which are registered at www.globalstocksandrewards.com. I've just received a letter from Morgan Stanley advising that I need to either sell them or transfer to a 'Personal Brokerage Account'. To do this I need their Clearing code/DTC Number,…
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Cahoot accounts, Reapply
I'm asking for a friend who had a Cahoot account. I'm not sure which one? . He closed the account in September last year after taking out all the funds but still have the login details from that time. He wants to open a sunny day saver now, so does he reapply through the login portal or directly from the cahoot home page?
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Can I churn my ISA ?
I'm not sure if I've titled this correctly but can I deposit and withdraw from my stocks and shares ISA as often as I like so long as I don't deposit a total of more than £20k in the tax year ?
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Credit Union - Life savings insurance
I've had a Credit Union account for over 30 years. I used the account when i was younger for savings and loans, but haven't used the account for some years now.I have a small balance there about £100.Was thinking of closing it completely, but wondering about the life savings insurance.I don't really understand the life…
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Advise on moving ISA's
I have had a yearly ISA with Lloyds which started off at £20,000 two years ago which did accumulate around £98 a month in interest at 5.5%. In September last year I automatically renewed it but the rate had dropped to 4.5% but because I now had £26,000 in the ISA the interest still worked out the same per month. My ISA is…
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Yorkshire Building Society
Reading on their website it states but on general T&Cs pamphlet it states Wise people of MSE which is it?
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Are share prices the same on every platform?
Hi all Probably an obvious question, but are share prices the same on every platform? I used Interactive Investor for years and just switched my ISA to IG (because it’s completely free as long as I make one trade a month, which I do anyway for regular investing). However it just got me thinking, how can IG offer the entire…
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Employee Share Incentive Plan (SIP) - taxation after redundancy
Hi, I'm looking for some help. I had a share incentive plan (SIP) with my employer (I made monthly contributions and was given matching shares and dividend shares) from 2015 but was made redundant in 2020. As such I understand there was no income or other tax to pay at the time of my redundancy. I'm now thinking of selling…
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How to use Inheritance
I am Male, 25 years old, no dependents, unmarried. I have been fortunate to inherit £150,000 and am looking for advice on how best to deploy it. I attended university (£70,000 outstanding debt) and have a good job currently earning £75,000 with strong career trajectory. I have taken out a mortgage recently to buy my first…
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ATOM instant saver reward maximising reward rate interest
I have an atom instant saver reward and know that the withdrawal rate is lower when making withdrawals. In order to minimize the penalty as far as I understand I can do the following, just wondered if my thinking is correct or flawed, see the following example : * Currently have £2000 saved at the reward rate of 4.75%…
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Skipton problems with deposits today?
Anyone having problems with deposits to Skipton savers and accounts this afternoon? I sent money at around 4pm and still I can't see the deposit in my member bonus saver. Strange because Skipton is quite often very quick. Anyone else in the same situation?
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Not married, non tax payer, savings question
I have been with my partner for 30 years but we aren’t married. He works and is a 20% tax payer. I can’t work and claim benefits. We have some savings (gift from parents and also saving some from his income) We have been putting it into a savings account in my name because I don’t pay tax (my only taxable income is…
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Chip investment bribe
I received this e-mail - "deposit £100 into any Chip investment fund and we’ll give you £30, either as a gift card of your choice or cash via PayPal if you’d prefer". I know nothing about investing, but don't mind risking £100 (if it's a low risk) for £30 bribe. Any advice?
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Will Rolls Royce be the UKs biggest company by market cap?
In 2020 it was ranked the 84th largest UK company with a market cap of £2.4b, how it's ranked 7th with a market cap of £84b. For it to be number 1 it needs a market cap of £164b, that's just less than a 100% increase from where it is now.
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Vanquis savings reporting of interest
I'm sure I've seen a thread of this in the dim and distant past but cannot find it for the life of me if there was, so apologies if this is a dupe. I've noticed that Vanquis savings appears to be treating my 2 year fixed rate saver as if I'm being paid interest (to the same savings account) each month. When I look at the…
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Payment for Royal Mail (IDS) Shares
Hi, Has anyone received payment for shares sold following submission of acceptance of offer before the takeover was finalised? if so when & what paperwork did you receive. Thanks
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Capital and interest and withdrawal penalties
Quick question, when a flexible savings account talks about withdrawals, limits on withdrawals and potential penalties (usually in terms of lost interest), am I right in assuming that when they talk about withdrawals this is withdrawal of some (or all) of the original capital and not earned interest? In other words it…
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West Brom 4 Access Saver
Opened this account on line yesterday. No faff just had to upload one type of photographic ID. Received email saying application had been submitted and received another one couple of hours later saying it was open with account details explaining I couldn't pay in until the next day (today) which I have now done my bank…
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Godfather of Ai
Hi just watched a video where Geoffrey Hinton was talking about the risks of Ai and especially super Ai one of the risks he put forward was the increase of bank cyber attacks and he said he has at least 3 different bank accounts to mitigate what he think is going to be an increasing cyber attack on banks once super Ai is…
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Superbia
The firm of financial advisers we use has sold out to Superbia and changed beyond recognition, bar its name. The managing director has retired, the older directors have disappeared, and what remains of the company has relocated to managed offices. The people I recognise on their website now are our adviser and his…
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