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Lloyds Online Banking problem
Lloyds online banking was down for several minutes just after 11am. today. It is now back up BUT the monthly statements are blank. Anyone else have this problem?
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Fixed term savings interest paid annually?
Hi could anyone advise me if there are bank accounts/institutions that have accounts available which allow you to withdraw your interest earned annually or payout your interest annually whilst still leaving the initial lump sum invested, i.e the interest is compounded if you have for example a five year fixed rate deal? I…
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Cynergy Bank - bad login procedures
What a really rubbish bank, I've had over 25 savings accounts over the years and this bank has the worst procedures I've ever dealt with. To start with their app is beyond awful due to the bank's infuriatingly difficult and fiddly to use login procedures. I work in tech, so have a good understanding of how things should…
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Helping Grandchildren 20 years from now
Hello. I wonder if anyone has advice on the following. I recognise just how lucky we are to be in this position. My husband and I are 60, and have one grandchild under two, with another on the way. We have cash as well as DB pensions, so are very fortunate. We would like to ensure that as they reach adulthood they have…
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Tax on wages
Folks, I know you guys out there are super good at figures and accounting and have helped me on another thread recently with investing our house sale funds....I have another challenge for you guys....(or Gals) ;-) Ive just recently taken the choice at age 55 of taking my PPF (Pension protection fund) pension on a monthly…
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Crypto investments
Hi I kind of got bullied into investing £250 into a crypto 'get rich quick' scheme under the guise of Wiseways investments. The money seemed to go up quickly but then they wanted me to invest more...I stalled and subsequently had my account frozen and I can't access it. Have just taken a call from Valueqube who say they…
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£1000 Transaction Limit on NatWest Visa Debit Card
I have been trying to open a Stocks and Shares ISA with a well known online bank. The only way to put funds into the ISA is by debit card. Over the weekend I tried to pay in a sum lower than the annual ISA limit and lower than my daily app transaction limit with no other transactions in process over the weekend. The…
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Looking for clarity over HMRC 30 day "bed and breakfast" rule.
I made a disposal on 29 September. If I want to repurchase the stock as early as possible, but not within the 30 days, am I correct in thinking that this would mean waiting until October 30? The guidance on HMRC says the B&B rule applies to shares acquired within 30 days of the disposal, but doesn't say if the date of the…
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Having shares but not working need advice
Hi, I had to leave my job due to work stress, me and my partner have share, I don’t have any income coming in, need support with benefits but not sure if this will effect my share saving? Any advice or suggestions will be great.
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Best investment quotes
Let's have a round of best investment quotes. Because I came across this gem today from Jack Bogle “Don’t look for the needle, buy the haystack”.
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Personal investment plan and tax
I’m in need of some good advice. My wife and myself are both
in our late sixties and both retired. We have been looking at houses with a
look to moving home. We currently live in a Terraced property but it’s quite too
big for us now our three kids have moved along. We put our house up for sale but never thought it would…
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Paying Off Mortgage
Hi all We have inherited £50k and wondered if it would be best to put it in to savings or use it to clear off our mortgage which is almost the same value. We have 5 years left to pay on our mortgage and our current deal which is 1.64% runs out next year. We do need a new kitchen but not sure if it would be best to go…
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premium bond win living abroad
My mother has just received £100 cheque from Premium bonds in my niece's name. They were bought for her as a child and forgotten about. She is now 25 and lives in Pennsylvania USA. Is there a way she can cash this cheque? Is it advisable to cash in her bonds now.
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Darktrace sale conversion
Good evening, you knowledgeable people on this forum. Long time lurker first post! Looking for some insight on takeovers when currency conversion occurs. I held some shares in Darktrace via a GIA with HL. They advise I have a choice of using their standard process plus fee or could choose the takeover company approach to…
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Old Woolwich Building Society Account
Eeek! I don’t know if anyone can help me. I’m trying to help my aunt sort out her finances as she has recently moved into a care home. I noted she is paying £100 a month from her current account into ‘Woolwich Building society 0002’. She doesn’t know what it is and I can’t find anything on Google. I’m currently on hold to…
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Reuters/Vodafone share certificates
I had a loft clear out a couple of weeks ago and i found two very dusty share certificates for Reuters Plc and Vodafone Plc that were sent to me in 2003 when i closed my NatWest account. The share certificates came from a company called EuroCrest. While of no great value i think i paid around £200 for both of them i…
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Hampshire Trust Bank (HTB) new portal
Seems they upgraded their online portal over the weekend and now need all customers to re-register.Pain in the !!!!!! and also doesn't feel secure registering all my details again. How have others found this process?
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Gold investment - strategy for avoiding CGT
Hi there! I'm looking for some advice or thoughts on investing in gold. A few years ago, I bought physical gold through BullionVault, and it turned out to be a good move. Now, I'm thinking of selling that and investing in a gold ETF through my ISA instead. I'd need to sell the gold gradually to stay within the £3,000…
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Distribution currency from ETFs
I'm helping my Mum re-shuffle her S&S ISA to help produce an income for her. I'm thinking of splitting the portfolio between global equities, WP trusts and bonds. I'd prefer to aim for a total return strategy and draw income manually from the income and selling, so not interested in high yielding equities. I have a few…
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Share record display
How are shares displayed by various outlets when there is a devaluation or such thing?I have Marlowe PLC in my SIPP, they have gone from 430 when I bought them, but they are now @ 305 yet I am in profit.So I guess there has been some sort of revaluation, although it is common for HL to display the wrong price.So if I am…
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