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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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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Restructuring Finances Following Redundancy
Hi All, I just came through a difficult redundancy after many years with the same firm. I am fortunate to own my home with no mortgage and all debts are cleared. I am also very fortunate to have another job lined up at a slightly increased salary. I am 42 and my pension pot sits at circa £140k. I want to finally sort out…
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Complicated one involving Junior Cash Isa
I am looking for help with this because I keep hitting brick walls and I'm hoping somebody knows the answer. My initial question is this: If I have no ID except my birth certificate and my NI letter (I have not been in work or claiming benefits), can the bank refuse to allow me to activate my Junior Cash Isa? I am 20 now…
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Picking a world tracking ETF
Looking at - UBS core MSCI world UCITS ETF USD ACC It has an ongoing charge of 0.06% which is about half the price of other well known all world trackers. Is there anything to be wary of down the line with this?
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Gilt coupon income - report to HMRC without SA?
Quick question, apologies if this has been asked before. I currently don't perform self-assessment, for savings accounts just relying on the banks to report interest to HMRC for tax collected when above the PSA (which I will exceed). They've been doing this accurately and I do have a personal tax account. If I held a…
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Photo id for ISA mandatory?
Having an argument with Nat West and they've made the following statement: "For certain regulated products, including ISAs, a valid photo ID is mandatory under UK financial regulations and anti-
money laundering laws. While alternative documents such as a birth certificate, utility bill, or paper driving licence can…
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Fundsmith again.
I've held Fundsmith for many years and it did very well for me. I sold out of the ISA a some years ago for better options because no sell liabilities, and have slowly brought down the GIA amount in CGT exemption steps. In the days of 12.3k exemptions this was pretty easy, but now with 3k it is more difficult. I've never…
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Which fund to use a wrapper ?
Previously I was hoping to put some of my spare cash in ILG or gilts but the situation has changed. I am reviewing how to use my cash which is split into two main pots, a cash and a cash ISA. I am trying to decide when to use what and for which fund to minimise tax. I hope not to access these funds for the next ten years,…
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Revolut £20 cashback tracking issue...just me??
I opened a new Revolut account last month - did everything correctly (yes, I clicked on the MSE link and entered my phone number before downloading the Revolut App). Still no £25. Apparently (Revolut chatbot) I've fulfilled all criteria but the campaign hasn't tracked from the MSE link. Anyone any idea what to do as…
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just seen that you have mentioned a Halifax regular saver account which pay 8% interest.
How will it work as I believe that Lloyds are taking over the Halifax accounts. Will this be for savings accounts as well as current accounts?
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Only able to open 1x8% RS..?
Long story short…opened BOS got acc no's for CA…opened Lloyds RS straight after …got acc details…funded their RS…got log in details today for BOS online …can't see option to open up "BOS" RS…chatbot saying only allowed 1 per acc..!! SORTED..!!! Gives you the option through their "app"…immediately… doesn't online only….
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What to do with my money?
Hi all. Prob an age old question but . . . I recently moved house and into something more than adequate for my needs, where me and the wife will be happy to see our lives out - both mid 70's. This has left me with a few 100Ks to invest wherever I can (horrible task) but that is not the concern. Due to a mental breakdown…
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Gilts held offshore and CGT
A good friend of mine with a French brokerage account (but resident and tax-resident in the UK only) wants to buy gilts and keep them in her offshore account. The idea is to buy low interest gilts and to hold them to maturity. So I've asked an AI whether gilts held offshore enjoy the same CGT exemption as gilts held here…
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Hydrogen Capital Growth
They have been delisted, but my last message from HL states "The details of the return of capital have not yet been confirmed by the company." Shareholders who own private shares and wish to trade can do so via a Matched Bargain Facility, which is what Google came up with. I have no idea how much I own; my original…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and…
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79th Group investment
Looking to see if anyone has had any success, or positive progress, in recovering their investment, following the collapse of the 79th Group?
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What would you do?
Would you move money from a flexible ISA into a taxable account or take pension drawdown to fill a void in your tax free allowance. My partner and I are both non tax payers and retired. I draw a private pension but am not yet of state pension age. My partner doesn't draw their pension and is also not of state pension age.…
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NS&I Index Linked Savings Certificates Maturing - Options
Mine are maturing shortly and I don't think I'll be renewing. I've just looked on the NS&I website at maturity options and it seems the only way to not renew is to "cash in" which is literally cash to your bank. Is there really no option to transfer directly to an NS&I Direct Saver or Premium Bonds? I find it hard to…
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