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Pension tax relief
Quick question. My wife will be 75 in August. Can she get tax relief on a contribution for this tax year? Thanks.
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SIP (Share Incentive Plan) Dividend Tax
Hello, I have been
paying into a SIP for 15 ish years. I now have enough shares that even a
small dividend paid on each share means I have reached the £500 dividend tax
threshold it is not a huge amount so is just a pain in the proverbial and not
enough to warrant professional services. I have shares in the SIP that are…
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Opening a GIA to fund ISA/SIPP fees
Never ceases to amaze me how dumb I am but... Having had a couple SIPPs for awhile now (AJ Bell & Vanguard) it's only just occurred to me that it might be possible to open GIAs & fund them with enough to cover account fees (instead of them coming from within the SIPPs themselves). I believe this is possible at both places.…
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Cynergy Bank - IT Issues. Cant access their website. Is it just me?
Tried to access their website to Login. NO success, no matter what browser, what desktop pc (I have more than one), what operating system. Yet I can access all other websites from every computer. Called customer services and their response was basically "Its your problem, we're up and running, clear your cashe, put…
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Starting Rate calculation
Sorry to ask this question I have spent about an hour and a half looking for the answer. I am having a mental block on this. When calculating your £5000 starting rate allowance for your income are you using the gross amount before tax for income or after tax has been taken off. I have always calculated using income figures…
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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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Paragon via Raisin £50 cashback + £50 referral?
Hello, I understand I can get £50 cashback as explained here https://www.moneysavingexpert.com/content/mse/msecom/en-gb/content/overlay/raisin-savings-products/paragon-easy-access/ In addition to that, Raisin promises £50 to refer a friend (£50 for me and £50 for them). Is this the same offer or can I get £50 as cashback +…
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Close Brothers Savings website issues
Had a message to say I had a new document so logged into the website.That's as far as I can get,none of the options across the top will open,just get a spinning loading icon. Tried on windows and android,chrome and opera,all the same.Guessing then it's a website issue rather than specific to me. Anyone else having the same…
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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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Premium Bonds Prizes?
Just interested in how many prizes people seem to receive with a full £50k worth of premium bonds? I know it's gonna vary but would be interesting to get some feedback on if it's worth it?
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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?