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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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100-baggers going cheap
Intended as a bit of fun There's been more than a few 100-baggers (& then some) this century. I guess we all know the companies but we could talk about Pharma, Bitcoin, AI, other things. I'm not opposed to a fun portfolio and actually even the soberest of citizens generally concede that up to say 5% in such a thing is an…
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Cahoot's transaction limits
My Cahoot Simple Saver is ending this weekend. Does anyone know what's the daily withdrawal limit and does the whole weekend counts as 1 day (like with Ulster and probably some other banks). I can't find any of this info in Cahoot's t&c.
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Virgin Money investments and pensions business is being sold to Octopus Money
I’ve just received a letter today to advise me that Virgin Money is selling their investments and pensions business to Octopus Money (I have a S&S ISA and Pension with Virgin Money). This will only affect their Stocks and Shares ISAs, Investment Accounts and Pensions. The sale of the investment business is due to happen…
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Put money away till the children's 21
Hi I've got two granddaughters living with me their mum passed away and left insurance roundabout 70,000 pounds each they are 15 and 16 year old what can I do put this money away and be safe till they reach 21 make a bit interest and released it till the 21 year old any advice would be appreciated thank you
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Royal Mail Share Offer - I missed the deadline! PLEASE HELP
Hi All, Just logged into my Hargreaves Lansdown trading account to see my Royal Mail shares are now shared in International Distribution services. I tried to see them and was unable. I called Hargreaves Lansdown and was advised that the decline was last week, I had missed it and lost all my money. Is this correct? Can they…
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Help with a investment possibly Hampshire
Hi Have a large inheritance invested for my future im 53 (with Quilter) stocks and shares Isa paying 7% into my pension which my work match mortgage free no family Tesco shares £11k approx Now I have £20k to invest £10 in Atom 1yr £5k in a virgin 2.9% higher rate ended £2k in everyday virgin account which my wages go into…
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Taxed on Savings - newbie
hey all apologies if this is a frequent question. recently noticed my monthly wage was not same and noticed the tax code had changed… unsure why, so called HMRC. they said it is due to tax on hour savings. Firstly! I was shocked how they knew about my savings (50K) on another online saving account that i never declared……
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Anyone buying gilts right now?
Without wanting to get political so keeping the conversation general about their future prospects rather than any particular party is anyone else seeing medium to long duration gilts as a potential opportunity for overweighting within a portfolio now yields are at 27 year highs? I saw an article that highlighted that a 30…
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Ever more difficult for foreigners to open bank accounts and savings accounts!
With the rise of AI it has at times become almost impossible for a foreigner, legally in the UK to open accounts anywhere. Even simple things like changing a nominated account has become a nightmare and, in my case, and I am sure in the case of a lot of other foreigners like me, with the right to reside in the UK, in my…
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Do dividends under £500 have to be declared on a self-assessment
I THINK they don't but the HMRC guidance wasn't totally clear, at least not to me. The guidance on this forum is substantially clearer :)
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Crypto Currency ??
I understand what crypto currency is - its a "virtual" currency But I can't understand how people can make a fortune / loss investing in itand what is the equivalent in £'s or $'s to "mining" ?is it "printing your own currency ? Could someone explain to me in simple terms ?
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Cahoot Sunny Day Saver interest
I'm usually very savvy with financial stuff, but I've overthought this so much now I've got the mental capacity of a bowl of lentils. So I'm going back to basics trying to explain what I'm stuck on. Cahoot Sunny Saver. 5.00% AER/4.89% gross (variable) if interest is paid monthly. My understanding that the difference…
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Tax on foreign bank interest
Hi there I am a UK resident again from 2020 after moving back from Australia. I have funds still in oz which learns interest. I complete an australia tax return every year and pay my taxes. Do I need to do a tax return in UK. I earn roughly £6000 in interest a year or less Thank you
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Help to Save Account
I just wanted to check if i'm interpreting this correctly. In years 1 and 2 of Help to Save if I saved the maximum 1,200 I will recieve a 600 bounus. However in years and 3 and 4 they only pay out the bonus on the difference between your 1 and 2 years maximum balance and years 3 and 4 balance. So if you saved the max in…
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Vida Cash ISA easy access
Just transferred my Isa from Trading 212 at 3.85% to Vida thinking I would get 4.3% and now I see they are reducing to 4.05% from 3 September! Mugs game this chasing the best rate
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Pensions advice fees
Hi there. I'm new to the forum, so finding my way around. If this question has been asked already, then please signpost me. I am aged 72 and have a total pension pot of £285k, with Aviva and with Clerical Medical. They are currently in cash funds (don't ask). I understand I have to make a decision on what to do with these…
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Advice Please re Fixed Rate Bonds
Asking for a friend (genuinely!) who has been through major illness, is now unable to work, and has just sold a small second property she had been renting out. She now needs to invest the proceeds (£100k) to supplement her state retirement pension (only income). Her high street bank FA has provided details of fixed rate…
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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Short term savings options
I am in the process of moving house, so I have sold all of my stocks that were in my S&S ISA in case of a crash and filled this year's allowance in a cash ISA for me and my partner. I have ~50k left over sitting in a current account not earning any interest that I won't need to transfer to the solicitors for 4-6 weeks when…
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