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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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Royal London Platinum Bond Plus and care fees
My mother's cash savings have dipped under the ~£23k. Alongside her savings she has a Royal London Platinum Bond Plus https://www.royallondon.com/existing-customers/your-products/manage-your-investment/platinum-bond-plus/ at around £30k.This was taken out around 20 years ago. The bond is described as "a lump-sum…
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Plum lock out of account
I have had a plum savings investment app for approx. 3 years, nothing fancy, just a few pounds here and there. Last week the plum account would not accept my pin code on my phone to log in and I have tried everything to try and get back into my account but nothing works. You can't chat to Plum as you need to be in your…
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Tax-free lump sum
With the public finances seeming in a worse state than ever, and with the government seemingly unable to get even small cuts in spend past its own MPs, I'm worried again about another private-sector pension raid. I have protected status within my SIPP so can take out £450k tax-free. I almost did it last year - well…
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Investing parents money from house sale.
My parents are both in a care home. They are both in their 90s, mum has dementia and dad has virtually no mobility and is increasingly confused. In order to pay for the fees and to avoid the house being empty for too long (it has already been a year), we are just beginning the process of selling their house which is likely…
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Iweb Cancel an order Help.
A bit of advise please . I placed two orders on iweb ( one for Legal and general tech + HSBC world tracker )on the 3rd of July at 4.25pm which I want to cancel if possible. On the iweb pending page it shows them in the pending deal - as active ( This order has not yet been executed ) but I cannot see the option to cancel…
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Birmingham Midshires Dormant account now with LBG
as POA to MIl have found a letter broom Bham Midshires from June2010 for a bond with a very substantial balance that MIL and family are aware of and no other paperwork found. Registered with Mylost account and within 24 hrs has a Not Found reply. In the comment I have advised the account details, exact letter wording and…
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