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Sharesave Scheme - Company Sold - Options
Hi all, I am a member of my employers sharesave scheme which is being run over 3 years in total and due to end November 2025. However the scheme is with my employers parent company and my employers company has recently been sold by its parent company so we've have been contacted by the sharesave provider with options as we…
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Interest or dividend - which is best?
Which is a better way of topping up your living costs: Using the interest on your savings or Investing in something that pays a dividend. Assuming, for arguments sake, that both pay the same.
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CAN I?
If I open a easy access savings account with the Charter Savings Bank, and I want to withdraw money. Do they do it straight away or is it one of these banks where you have to wait till the next day?
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Lloyds Banking Group Shares
In 2007 I was given 220 Lloyds & 114 HBOS shares. Later it seems Lloyds 'absorbed' HBOS & in 2017 the shares became 341 Lloyds Banking Group Dividends were either pathetic, never reaching the princely total of £5 a year or mostly ZERO Frankly I don't even bother to monitor it, it's always been so pathetic & I've literally…
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Personal Savings Tax Allowance
Like many I have received more than £1000 in interest for 23/4 tax year. However HMRC are saying to me that Banks & Building societies take the £1000 off the amount before submitting it to them. So they will tax the whole amount submitted to them. This seems unlikely since I have several accounts in different institutions.…
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NS&I and POA
Hello. Anyone else had this. The POA for my Dad is registered in my married name but all my documents are in my maiden name. NS&I will not accept their number as they say they cannot do a match for me. They sent me an envelope requesting copies signed by a `reputable person' of everything to prove who I am - Driving…
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Obtaining a medallion signature guarantee in UK
My father passed away earlier this year. He owned some US Walmart shares. When I contacted Computershare to notify them of his passing, they told me the first thing we need to do is transfer the shares into my name and, in order to do that, I need a medallion signature guarantee amongst other things. Does anyone know how I…
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NS&I and HMRC
I have various Savings Bonds with NS&I. Do NS&I inform HMRC of any interest earned from these Bonds or do I have to do it myself ? Any advice would be appreciated
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What would you do in this situation?
Hello all, I'm really hoping for ideas and advice. I'm just about to pay off my final debt - my mortgage - next week and then I will be 100% debt free. In my early 20s, I got into a huge amount of debt. For the last 15 years (I'm 47) I've not really saved much, just laid everything into paying off the debt, which means…
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Money transfer worth it?
Just remortgaged for 2 years and I've been offered a money transfer from existing card 0% interest 12 months 2.9% fee, got 12k limit. Is it worth taking it just to stash in a cash ISA for 4.5%? If rate stays at 4.5% for 12 months i make £160 if I took 10k? I can't imagine ISA interest rates falling below 2.9% in the next…
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Forced into Self Assessment - first timer advice needed (+ a LOT of background info)
Firstly, I have looked at other 'Self assessment first time' posts but nothing seems to fit my circumstances, so I think if I give a little history first so you may understand how I got into this situation in the first place and offer suitable advice Sorry in advance for the long post Many years ago, I had a LOT of…
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Dividends on holdings held within a SIPP
Just seeking reassurance on this. Can dividends paid on holdings held within a SIPP account be safely excluded from the total UK or foreign dividend (as appropriate) figures on SA tax return? Just trying to get my figures together for the 2024/25 self-assessment return and having a moment of doubt.
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Flagstone investment platform problems
I have saving accounts with flagstone but the monthly statement of interest doesn't match with how much I've been paid. I've contacted them a couple of months ago and told it would be investigated but now I just get ignored? What do I do? I'm nearly £500 down.
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Transferring Trading 212 Cash ISA to Vanguard
Hi all I have £18,000 with Trading 212 and £2,000 with Vanguard. I want to transfer that over but in the same account there is about £500 in interest. From what I can see online, that £500 interest will be transferred over too. Does anyone know if that will be counted towards my allowance when it comes in? I know it…
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Savings account vs ISA?
Hi there. I am separating from my partner and am looking to buy my own property by the end of the year. I have £160,000.00 in savings (sitting in a current account) and am wondering what to do with it, until I need it to buy a mortgage - probably towards the end of the year or beginning of next. Should I open two saving…
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Trade212 cash interest protection?
Is it correct that the cash held in your trade 212 account is not protectected By The FSCS?
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GB Bank or Charter easy access
Do GB bank require £1000 balance or just initial deposit 1000+?Do both offer same day withdrawals?
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Where will base rate go in May?
That's the base rate held steady at 4.50% due to global financial turmoil, actual or expected. Are there any considered views what will happen at the next MPC meeting on 8th May? I don't see Trump doing a U-turn on tariffs. But maybe he will be forced to. Thoughts (without being political)?
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transferring non ISA held shares into new ISA
As i have maxed out my ISA allowance on a cash isa for the year 24/25 i started buying ETFs in a non ISA account using trading212. From april6 2026 i want to open a stocks and shares ISA using trading 212 using the ETFs ive already bought. Can i transfer these into the new ISA or do i have to sell them and re buy them in…
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Savings interest calculation.
Hello, I'm looking at a regular saver account with a limit of £500 monthly deposits at 4.5% AER/gross. I must be getting it wrong. 12x £500 monthly deposits would total £6000. Then, I presumed 4.5% interest would be added to that, totalling £6,270. (£270 interest). However, the bank's webpage displays £6,145.48 as the…
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