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Birmingham Midshires
Ive just found a Birmingham Midshires Share Allocation Statement but not shares certificate and no date just a reference number I think i also have some BAE Systems shares but no idea where the certificate could be! How do i find out more about this many thanks
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Please can anyone help?
I have offered to try and find out some clear advice and information, for a young couple, who are relatives of mine and working full time, regarding an opportunity that has been put to them by another very fortunate relative. Having contacted the CAB, they advised the young couple need advice from an Independent Financial…
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Capital Gains Tax on share sales
Can anyone explain to me how the Inland Revenue get to know about CGT liabilities on share sales? Do all UK brokers report all purchases and sales to the IR in some way?I have never had to report CGT before but due to the much reduced allowances this year I will be a few hundred pounds over the allowance. As I have been…
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NS&I online log-in authentication
I've just given up my landline which was the number I previously used for NS&I 2 step authentication so I'm trying to give NS&I my mobile phone number so that I can log in. You have to ring them to change your phone number so I rang. They asked me for my password. I never give anyone my password for anything. I have only…
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How much can you receive from a discretionary fund id you're claiming benefits?
I assume you can't have more than £6k in your bank if your claiming UC. So any discretionary fund payments would have to take this into account? My neighbours brother is his funds trustee but there's nothing particular in the will that states how much he can get but as he's on benefits I assume he can't go over £6k. He's…
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Can i back out of a share trade made online?
hi i have physical shares that i was selling through equiniti in uk i did it online and they require i send my certificate and signed documents to complete sale and transfer the funds since the the price has risen sharply can i back out of sale as i haven't signed documents they emailed nor sent certificate? They have sent…
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Savings for Children
Hi, I've been putting money aside for my children for when they grow up, currently ages 7 & 4. I'm not sure how to save this for them. Would it be safer in my name (In trust for them) when they get older. I know there is the option of a Junior ISA, but I am also aware that the money is theirs when they are 18. I would like…
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Pension v fixed term savings for a lump sum
Hi, I’m taking early retirement in 3 years and have come into a lump sum of £10k. Am I better off putting this into my works pension or a fixed savings account considering the timeframe?Thanks
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OEIC and Capital Gains Tax caclulation
Hi, About 15 years ago I opened a Natwest Coutts Managed Fund OEIC with a deposit and then paid into it reguarly for a number of years and then stopped. I now need access to the money and want to sell the shares and close the account. What I cant wrap my head round is how I calculate the CGT for HMRC. I rang Natwest but…
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Woodford Equity Income: Link settlement with FCA
Link and FCA appear to have reached a conditional settlement on Woodford related matters which will deliver £235m in redress to WEIF investors: https://investors.linkgroup.com/DownloadFile.axd?file=/Report/ComNews/20230420/02656204.pdf https://www.fca.org.uk/news/news-stories/redress-woodford-equity-income-fund-investors…
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Orbis
Signed up with Orbis stocks and shares ISA in 2018, when they were doing the offer of opening a new account and deposit £100 for free £100 top up in that account. I am wondering what others did with their account? On one hand, i am keen to leave the money in Orbis to diversify funds and FSCS only cover up to £85K for…
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Financial plan: What would you do?
Hi all. I'm a long-time lurker and would like some advice from the 'hive mind' please. Current situation: Female, age 40, no dependants (none planned), 100%-debt free, higher rate tax-payer. I own a small but adequate low-value house (approx 150k). Minimal outgoings, no car or expensive holidays. Earning 62k pa (will rise…
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Trading 212 2FA
I have just noticed when making a withdrawal now its necessary to enable 2FA.Before i made withdrawals without having to do this.What is the process, it first askes for a selfie.Can it all be done on laptop without using the app?
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Kids pension or ISA....am I doing the right thing?
Hi Martin made a quick comment on the last show that he'd use an Isa before SIPP for kids....and now I'm not sure if I'm doing the right thing. The logic was that whatever they do in life they'd have something to retire with. but now I'm wording if I should change. They've both had SIPPs from birth I'm 51 with 2 kids, 8…
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Savings account advice for a Newbie
Hi all. I'm new to the forum and feeling a bit overwhelmed by all the information and members' expertise! I'd really appreciate some advice on a savings question I'm grappling with. We have a pot of £45,000 that that we've borrowed to do some work on our house. At the moment it's in an HSBC Bonus Saver account, linked to…
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query about Harrington and Byrne
Hi there Trying to help someone out who has been buying coins from H&B. Frankly I think it's a case of being overexcited and signing up to pay on installments and they are now way over their head. Hence me trying to help. So nothing needed about whether or not to buy coins, the deed is done. So does anyone know about this…
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Pension contribution unearned income (higher rate tax payer)
Grateful for advice. I am 57, retired and in receipt of a good work pension. In the past 12 months I crystallised 25% of my private pension and left the remaining 75% in drawdown account. The amount crystallised was over £40000. I have no earned income although unearned income has pushed me past the 40% threshold. I would…
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Skipton loyalty accounts
Last year I opened a Skipton easy access account keeping £1 in order to get a loyalty account at some point this year I have opened the member regular saver my question is do I need to keep the easy access account open or can I close it without affecting the regular saver
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Taxable interest question
I had a 2 year savings bond that accumulated monthly interest. Is this interest spread over the tax years or is it only taxable when the bond matures I have the statements with the interest added in different years.
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Nationwide Cashbuilder Book Interest (slightly weird behaviour)
I have a Nationwide Cashbuilder Book account from way back in the days when passbooks were a common thing. It had a £100 in it because although I don't use it and was never an activist carpetbagger it seemed sensible to leave a ton there just in case. Anyway, this account has been visible in online banking for years and…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Question re moving maturing ISA funds and adding additional amount by badger09
2 August at 11:22PM
