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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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Closest trad fund equivalent to HMWO
So... someone (not me) needs to get out of ETFs (it's a very valid reason but not one I can go into here) and needs an equivalent to HMWO, that they currently hold. Is there a slam dunk equivalent that they can use in the trad fund space?
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Tax on interest. Do I get the PSA?
I've retired and got about £9,000 from work before doing so this tax year. I'll already get the Personal Allowance of £12,570 tax free earnings, so any interest up to that will be tax free. Since I earnt below the £12,570 this tax year from non-interest earnings I think I get the additional £5,000 Starting Savings Rate.…
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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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Britannia savings account
I was wondering whether you could help. My grandparents set up a savings account with Britannia building society from the day I was born back in 1991, both of them have now passed away, however I was never given access to this savings account, I therefore have no idea what value is in it (if any) or whether it is still…
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Help to buy or Life Time advice please
Daughter 24 lives at home, minimal outgoings and works in retail with various hours each week. so an irregular income. She's looking for work in the field she's got her degree in so her income stream will hopefully change but there is no guarantee. Taking Martins advice a few years ago she opened a Help To Buy ISA…
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Chip Savings
Hi, my Chase boosted rate is about to end so I needed somewhere to put my funds whilst hoping Chase send me a boosted offer again. I've seen Chip offer 4.8% for 3 months which would do for now. Are they reliable? Any restrictions on instant transfers? Thanks
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Oh Martin...
Anyone notice that when trying to explain student loans now he has a graphic suggesting income tax at 45% only starts at £150k+?
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Virgin Money 10.38% regular monthly saver
Hi, just wanted to say that it took me just a few pain free minutes to easily open a brand new Virgin Money M Plus account so that I could subsequently open up and pay straight into its 10.38% regular saver account. It's a maximum of £250 per month and maturity date is 31st July 2025 so that was £162 for about 8 minutes…
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investing life insurance payout
I have recently been widowed very suddenly at 54 .. my husband and I were not high earners and I only have a small pension pot built up (I am a nurse), but we had good life insurance which has left me with 250k after all my debts and mortgage have been paid off. I need this to work for me to replace his income. I have…
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Manchester Building Society Nominated Account
Hi people have said they can view their nominated account details online. Where is this as I cannot see mine? Thanks
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HMRC and savings interest
I am a basic rate tax payer and this year 23/24 will use all of my £5000 allowance & the £1000 sorry can’t remember their proper names and will need to pay some income tax. On my latest tax code notice 24/25 HMRC have put an amount of £396 for untaxed interest. First I should not have to pay any tax on interest for 22/23…
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GBP or Euro or something safer
Relying on income from GBP interest in UK bank as I live cheaply overseas. Worry that my income will be affected if the GBP crashes with the possible near future political chaos in the UK ....or do I just read too much news!? Anyway what would be a safer alternative to keeping gbp in the ISAs in UK bank. If I change it to…
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Are Midcounties Co-op development Bonds a good investment ?
I am thinking of buying some of these bonds as the rates are much higher than savings accounts. I realise my capital is at risk but is this a fairly safe investment for some of my savings ?
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Investment advice for 75-year old
Hello I’m looking for some investment guidance/signposting on behalf of my 75-year-old
mother. She currently owns four properties. One is her home, and the other three she rents out. Her current income
is the rental receipts from her three investment properties and her state
pension (she has no private pension provision).…
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Problem taking money out of InvestEngine
I have a very small amount of money with InvestEngine having taken up a MSE-recommended special offer, and now I want to take it out. In order to get into my portfolio it asks me to confirm my information is correct, and then it asks me to retake a questionnaire to check if my needs are still being met. Whatever answers I…
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Retiring/Tax Fee Shares
Hi All - I am Newbie looking for some advice please:) Have just retired. I have SIP Shares with the company and classed a 'good leaver' I have already maxed out ISA for this year and have savings. Options I have are: Cash in all shares tax free Cash in some and retain some Retain the shares - they will transfer to a CSN -…
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Kuflink P2P - changing Ts & Cs
Anyone else here receive their new terms & conditions? Key points include them NOT using their own capital to cover any losses, & also something about them not taking on the first 5% of loans 🧐 Sounded to me like nothing positive for an investor, & as a consequence, we will be withdrawing our funds (not a significant sum,…
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What is the point of the Marcus bonus rate?
I had some money with Marcus when it was competitive. I've moved it now but kept the account open. I just got emailed about the bonus rate. I can just login and apply the bonus and get this higher rate for another year. What is the point of this exercise?
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Snoop Savings
Hi, I've seen Snoop Easy Savings are giving 4.35% which would be good as my Chase boosted rate will end next month. Is Snoop just as good/safe? There doesn't seem to be any restrictions on withdrawing. Thanks
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