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Martin stirring the pot on children's savings (again)
I see today's poll is once again pushing the notion that it can be ok to raid money out of savings accounts in your kids name. Save for them or don't, but please can we stop rationalising theft, whatever the perceived justification? Martin might as well say it's ok to nick food from the supermarket if you're hard up and…
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Regular savings account extra deposit.
I have a couple of BoS Regular Savings Accounts where the maximum deposit every month is £250. What would happen if I accidently transferred more than £250 in a month? Would it be automatically returned to the account that it was sent from?
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Bitcoin and Gold
unusual activity in the last week in that BOTH bitcoin and gold dropping in value. Anyne care to hazard a guess as to whats causing this? What should people be investing instead?
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Heads they win, tails I lose
Over recent years, most times when I have been out of the market when switching funds (one day) or moving funds from a Trading account to a wrapped account (T+3) the market has moved against me. This year I decided a wouldn't be caught so, since I have cash in an instant access savings account, yesterday I 'pre-funded' the…
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Advice/Suggestions for lump sum and regular side income
Good morning all! I've just gone through a seperation and sold a house and have a £5k lump sump. I also work two jobs in which I can live on my main income and would like to do something with me second income. This is around £500-£1000 a month depending on how much work I can get. I've searched the forum at other topics…
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Do you see any anomalies?
Hello everyone. Could you please give me your opinion on how well the portfolio is diversified (around 4400 companies in total) ? Is it heavy in some sectors and light in others as a percentage wise ( with view of the top 10 holdings in each sectors )? Does it make any sense for a not risk averse person, who won't touch…
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Monthly charges v annual charges
Matioli Woods have a deposit charge and then monthly charge for investing with them. Is this usual practice? I thought most investment companies made an annual charge.
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cgt payment on shares sale
I sold shares 23 April 2024, cgt due on profit. I want to pay asap, can I? If not, do I have wait til December 2025? Regardless, if I complete CGT forms and pay, do I still need to complete Self Assessment?
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Investing for Income
My wife and I have about £150k in ISA’s in various funds, Lifestrategy 100 and similar funds with other providers. I am starting to think about moving this money into funds which generate a monthly income. I seems that many suggest bond funds. I know very little about bonds but looking at some of the funds at the moment…
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Help retired couple with savings
Have been asked to help a friend with their money. They're a retired couple and want a no risk easy access option for their money. One of them receives approx £3380 a month from different pensions. They have an ISA each from last year with maximum £20k (£40k total) They also have 4 other pots of money in different bank…
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How to cash a cheque made out in Thai baht
I have sold a property in Thailand. It appears due to money laundering issues all transactions must be paid by cheque in baht. However, I don't have a Thai bank account and as a UK national don't seem to be eligible to have one.There must be a way to resolve this . Ideas?
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Thoughts on S&P 500 Tech fund
Someone i work with has put about 1k in this fund without really knowing much about it or investing. Does anyone have or have ever invested in to this got any advice whether this was a bad idea?
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Your thoughts and advice on my financial situation
Good evening all, I’d appreciate your thoughts if I may, as I am approaching a sort of cross roads, I enjoy this forum there are so many wise heads with good advice. As much detail as I can as I appreciate it’s helpful. I recently turned 40, I have a modest income of circa £29k, am single with no kids. Currently pension…
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Halifax Bonus Saver (4.10% AER)
Good morning everyone, What is your experience with Halifax savings accounts? I’d like to open the Bonus Saver account (4.10% AER if no more than 3 withdrawals are made within the 12-month term) and have a few questions: 1. I already have a credit card with Halifax. Is it easier to open it as I’m already a customer? 2. Do…
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Joint accounts saving interest
Hi, How would like to know if hmrc are notified that an account is joint rather than have a single nominee. In the last few months I have opened some accounts with my spouse and I wonder if the numbers are added up from each individual self assessment at hmrc's end or if it would be better to notify them separately that…
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eToro withdrawal doubts
Hello, after ages of having some money in Etoro (about 900 usd) I have grown tired of it and I want to withdraw the money and try to pay as little withdrawal fees as possible. If I remember ok I deposited the money with PayPal, but I am not sure if I was asked to fund through debit card once. Question is that eToro won't…
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Vanguard S&P 500 ETF and US equity index fund whats the difference?
Hi, In my ISA I’m moving away from UK based equities, which , like the UK are not doing so well, (odd that! ) and moving towards North America so Vanguard offer these two funds. I can’t see how they differ as the descriptions are a bit vague . Do they overlap? There’s a difference in their performance but not a large one.
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Recc for ISA transfer
I am trying to keep our finances a bit more simple and hassle free whilst still getting good returns. I have a lump sum cash isa from previous years over £20K that is is now getting a poor rate. I am looking for peoples recent good experiences of a seamless transfer to an established provider that offers something decent…
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Mystery share dividends
On going through my bank statement transactions I found some dividend payments (Bank Giro Credit ref Sharedealing HSDL), dated 11 April 2024, and also 13 April and 11 Oct 2023. The issue is, the only shares I thought I had were Royal Mail, who paid out on fewer and different dates, and in any case into a different bank…
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Astute Capital
I invested money in an ISA with a UK, London, based Investment
Company for a three year period, April 2019 to April 2022. However, just days
before maturity in April 2022, I was advised by the Investment Company that they
were changing their business model and wouldn’t be paying out ISAs on maturity.
I demanded my money…
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