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Tax question regarding US traded shares.
I have a number of shares in a US company. The shares are held on my behalf by UBS in New York. Recently the share price has increased significantly and I would like to sell the shares to take advantage of the price increase. If I sell the shares and have all the proceeds sent to my UK bank account, I will have to pay…
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Paper share certificates
I still get paper certificates from Aberdeen shares but I'd rather hold them electronically as royal mail is useless. Do I need to find every single certificate and post to Aberdeen before this can happen? I have an Equiniti account with them which shows my balance so not sure why I'm still getting paper certificates.
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Help understanding about transferring my ISA
I feel like a bit of a dummy but I thought I had my head around understanding ISA's it but clearly I don't hence the post! I opened an ISA in Feb 2024 and transferred £20k. For the life of me I can't remember how long I had invested this ISA. I've tried looking through the emails to try and confirm this without any luck.…
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Tembo: HomeSaver account only available to Lifetime ISA holders who've opted out of bonus
MSE currently have the Tembo HomeSaver listed as one of the top easy access accounts. I tried to open one earlier and was given a warning message saying to open it I must first opt out of the Lifetime ISA bonus, as you can't be opted into for two bonuses at once. There isn't the option of opening a HomeSaver and opting out…
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Bank transfer not received issue
Hello My Dad died in January and my mum reported this to a company that my dad had a private pension scheme with That all got sorted out but they paid out some money to my mum that she wasn’t entitled too and sent her a letter requesting she pays it back That day she sent the money in full by bank transfer via online…
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Selling Shares (Paper Certificate) One Time Only
I have small number of shares for which I hold a paper share certificate - ie they are not managed as part of a portfolio or held by a broker. They're worth a few hundred quid and I want to sell them and get the cash. I understand I've probably got to find a brokerage platform that supports certificated share dealing and…
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NS&I: Premium Bonds - older than 1990s
Hello there I am the fortunate owner of £5 of Premium Bonds acquired within a year of my birthday circa 50 years ago! Woo hoo! I hear you cry: a whole £5. Well, yes, if adjusted for subsequent inflation (which painfully it is not) it would have been worth £33.89 in July 2025 according to the Bank of England's inflation…
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NSI Index-linked Savings Certificates
Hi, I have now option to renew my NSI index linked savings which is maturing in less than a months time. I have an option to renew for 2 years 3 years or 5 years. To continue with a 3 year option I don't have to do anything. I won't need the money for 5 years but not sure which option to choose. Any advice will be greatly…
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Tax on savings interest
i thought if you have no income employment you could earn tax on savings interest plus starter rate. HMRC have applied a 20% tax on moderate savings interest a few thousand (well under last year's tax code). And reduced my tax code. No other income. Surely this isn't right? They won't change it and say it is based on…
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Do you use more than one platform?
Do you use more than one platform and if so why? I've consolidated most things onto II but I still have a six figure (not that it should matter) GIA sat on IWEB. I alternate between transferring it because single pane of glass one place to look etc. but then holding off because I remember getting caught up in the Icesave…
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Fair Fund Notice - Barclays Bank
I'm in the UK, had Barclays ordinary shares a while back but sold them all, only had £500 worth. Pretty sure I bought them before 2019 so this might mean nothing to me. But got a card through the post the other day that appears to be relating to a class account being done in America. It states "This is an important notice…
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Vanguard S&P 500
Good morning, So I have delved into the S&P 500 a few weeks ago using some of my savings. I have decided to go for the accumulating option(VUAG). I have a couple of questions which I’m hoping someone can help with. 1) I have set up a direct debit for £120 per month to automatically purchase a unit on Hargreaves Lansdowne.…
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NS&I ILSC Matured - How long until payment?
I have a NS&I ILSC that has matured, and have received a text message saying: Hi, your Index-linked Savings Certificates account No. xxxxxxx has matured. We've carried out your instructions and you'll receive confirmation within 5 working days. Now, the certificate has disappeared from my online account, but no sign so far…
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What to do with inheritance?
Hello everyone, I’m making this post on behalf of my sister. She’s had her share of the inheritance in premium bonds but now she is 18 she is allowed access to them. She is planning to take a gap year after completing her A levels this summer and then do a university course. What is the best thing to do with this money in…
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Where do II take fund trading fees from?
Little confused here. Or just blind. I have an II "Plus" subscription so it includes one free trade a month and additional fund trades should be £1.49 each. On Friday I placed 3x sell orders for funds in my ISA. All three have executed. What I'm not seeing is the fees being taken for the trades. If 1x sell order is covered…
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Pay into my pension or cash ISA?
I've had a workplace pension for just under a year. I contribute 7% of my monthly pay, which is the most that my employer will match. But I can contribute more if i want to. I was looking at it today and it says that it has gone up by over 9% since I started it. I've also got a cash ISA that's earning 4.52%. I would…
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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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Check Santander Edge Saver 12 month bonus has come to an end
Many will have opened a Santander Edge Saver (SES) just over 12 months ago @7%, 2.5% of which was a 12 month bonus. The 12 months is up which means your bonus will end and your interest will drop to 4.5%.The available SES has an interest rate of 6% including a 12 month bonus of 1.5%.To achieve another 12 months of 1.5%…
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Shawbrook Bank - how do they get away with it?
I had a 1 year ISA, maturing on 10th April 2026. In March they asked me what I wanted to do with the funds. As they didn't have any decent rates I informed them, with 30 days notice, that I would be transferring all of the funds out of the ISA on maturity. The ISA transfer was pending for 30 days. I would have thought a…
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Genuine?
Returned home after some weeks away to find this (opened) in my mail. It was addressed to a sadly now deceased family member at an address he used to live at near me some years ago. It is now an air B&B so I can only assume given the delay from letter date, that the owners were up at some point recently and knew to put it…
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