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What's the point of the YBS app?
Yorkshire Building Society keeps nagging me to get their app, but what can you do on it that you can't do with a browser? For example, they've just sent me this, which at first implies that you can see all your interest for last tax year 'all in one secure view' but it then goes on to say you have to select your account.…
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Can I get my tax code changed?
I've had to pay tax on savings interest from the previous tax year so my tax code has been changed accordingly. I've paid the tax owed directly on the HMRC site, but I will still be paying more tax because HMRC expect me to earn the same amount of taxable interest this tax year. I've moved money into ISAs so I know I…
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Skipton BS - Member Regular Saver
I see the the current Member Regular Saver offered by Skipton BS says you need to have been a member on or before 10th November 2025. Do you have any idea how often this date is updated and by what time period? I am wondering how long I need to have been a member before I can open this member regular saver. When I say I…
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Impax Environmental Markets Investment Trust
I would welcome any thoughts on what action I should take on the proposed tendering of shares in Impax Environmental Markets IT in order to thwart a takeover by activist investor Saba. There appears to be a chance to profit from a NAV discount of around 7% by accepting the tender offer. Does it matter which way I vote?
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CGT reporting after shares sold
Hello. we arranged for the sale of share held by my mom which was completed in January, looking at the government website I don't think we need to do anything in respect to reporting them, but can someone just clarify I am reading it right as wouldn't want mom to get into trouble with HMRC. the website indicates that: If…
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Rising SIPPS and DIY learnings
Years ago I came on here, not knowing much and have read and understood some during that time. At the point in time with what was a pretty small amount of money the general consensus was Global Trackers fire & forget. The value of my investments, built on that mantra and with continued investing have grown significantly as…
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Vanguard Lifestrategy - Global or home bias
Does anyone have a viewpoint on which of these VLS option they prefer, and why?
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SIPP or Invest or Just Savings Account ?
Hi, I am currently 61 and have a SIPP with Lloyds with just over £7000 in it, I put in £160 per Month and they top it up with £40 Tax Relief so £200 a month goes in. I have set my retirement age at 75 (ambitious I know) but given all the restrictions of when it actually comes to taking the money out, I was wondering if it…
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New Ts &Cs bank notifications
Hi all, This is more of a question of clarification. I have received a number of emails about the above title and having read most of the changes it seems to be a constant. I am clear that the new FCS limits have been raised to £120k per account/bank but I also see a notification that my acceptance of the banks new Ts & Cs…
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Chase marketing
Hello, I recently had 2 emails from Chase, I have an account with them. The first email was about referring friends to Chase, the other about Travel/mobile phone insurance + UK Breakdown. At the end of each emails it states - 'Please don't reply to this email directly. This is an important email about your Chase account…
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Paragon Bank - can't see all accounts
I have had a number of accounts with Paragon over the years. It seems that I can't see details of all my "closed" accounts (typically these were 1 year non-ISA bonds). Why ??
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Pension pot after my husband died
My husband age 78 has died leaving a pension pot of 70,000 and I am 74 not in go health myself what should I do with his pension take it as a lump sum or how does drawdown work
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Herald Corporate Action - Tender Offer
Hi all Couldn't find an existing thread. I currently hold Herald Investment trust and received notification of this. I didn't know about the background to it but have done some reading. Sounds interesting and it's a defence against Saba Capital Management. Would appreciate any thoughts and what one might do in terms of…
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Co-Op Regular Saver - Early Closure
I have a Co-Op regular saver that is due to mature on the 27th March. Does anyone know if it is possible to close the account early and then once closed open a new regular saver with them. I do not want to withdraw funds and then find I cannot open a new RS until the current maturity date. Appreciate any thoughts,
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Green Saving Bonds ending
Hi folks, My green Saving Bonds with the ns&I is ending soon and I was given three options. I decided to switch half the money into a different ns&I product and have the rest payed back into my bank account. I filled in the form a few days ago and I expected an email to confirm the details but I haven't received one. My…
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Interactive Investor Advice/Managed Portfolios
Noticed this which is new from ii. https://www.ii.co.uk/ii-accounts/ii-advice Not quite sure how much of a full "advisor" offering it is v a bit of a "what Vanguard tried to do" but looked like it might be a reasonably priced option if anyone is looking for that sort of offering. Seems limited to MyFolio Index funds though…
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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What is driving the FTSE100....
It just seems to be on a roll. I used to slag it off as a sickly index compared to the S&P500 and NASDAQ but lately it is on a flier. Do you think it is a bubble?
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Lump Sum Investment
I have a lump sum of money to invest, £200,000, and have used my ISA allowance. I would like to put the money away for 2-3 years. Have been told that an ISA feeder is a good option and I do think this is not a bad idea, but I am not sure that I would want to put such a large sum of money at the mercy of the stock market.…
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How do I value old 25p Lloyds shares to determine if I have a cgt liability
Hi. I have 2 questions. 1. How do I value old 25p ordinary shares in Lloyds now that they have a nominal value of 10p. ie the share price today is £1.09 but presumably I don't just multiple that by the number of shares I have like I have been doing with the 10p ones I hold or do I? I'm trying to determine if I have a gain…
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