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Lloyd’s Banking Group Shard buyback 2018
So much noise around Lloyd’s presently; their growing profits, new 2020 strategic goals in digitisation and this £1bn buyback scheme.... what does it mean to me as an ordinary sure holder? Will I be given the option to sell at a higher price than current? Will it likely boost share price? !?!im sure communication will come…
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How can I stop living pay to pay cheque?
Hi, I am 24 and I want to stop living pay to pay cheque. I always pay my expenses which currently are as follows: Income: £2583.94 Debt: £3699 - credit card bills. The 0% interest is coming off in April 2018. Expenses (I live in London): Rent: £757.33 Bills: £88 Oyster: £153.60 Therapy: £50 Phone bill: £13 Nails: £66 Hair:…
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LISA & help to buy
Hi Does anyone know if a LISA and help to buy IS A can be opened in the same tax year? Confusion in the literature about this.. Are they classified as separate ISA products ?
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Another wacky idea....
Now go easy on me remember I'm still learning.... I wanted to invest in the below funds to go along side my HSBC / VLS funds. Once all tucked up in an ISA wrapper I will have about 120k in VLS and HSBC global strategy. I wanted to invest in areas not covered as much in theses such as the below ones. What I want to do is…
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Investment Trusts
I am wanting to sell some shares from the following companies:* Martin Currie Global Portfolio Trust Plc * Alliance Trust PLC * Foreign & Colonial Investment Trust PLC Since those companies have the word "Trust" in them I wanted to make sure that I would only be able to sell £5,650 worth of shares instead of the higher…
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X-O /Jarvis broker awful service
Hi I have been using various online platforms over the years eg HL, III, Iweb, Vanguard direct and switched my shares to X-O last year due to their low execution fees eg £5 per trade, but their overall plaform is awful! Everytime you want to make transfers you have to email them with all details, no divi reinvest, simple…
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HTB to LISA transfer can i go above 4k?
I have just swapped £2k from a HTB ISA into a LISA. £600 of this was paid before 6th April 2017. I then added another £2k to top up to my £4k LISA limit. Because the £600 was paid into the HTB before 6th April 2017. Does this mean i can actually put £4.6k into my LISA for this tax year? If anyone knows and can share with…
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HTB transfer to LISA can i now get a Cash ISA?
I have just transferred my HTB Barclays ISA to a Skipton LISA. I know you cannot have a HTB ISA and Cash ISA in the same tax year. But now my HTB is closed and transferred to a LISA. Can i now open a Cash ISA in the same tax year?
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Finding shareholdings - POA query
Asking on behalf of aged in-laws... They have POA for an aged relative who has had to go into a care home and won’t be coming out again. She has pensions but they leave a shortfall of £2k a month for the fees which is currently being funded by her rapidly diminishing savings. Her house will have to be sold - she lived…
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Inheriting Money from Eurozone
Hello you wonderful, wise lot! I am about to inherit some money. About £70K :j:j However, it is coming from Ireland in Euros! Please can someone tell me the best, cheapest way to transfer this into sterling. TIA BF
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NS&I 3 Year Bond 2.20%
I have just noticed that NS&I are now offering a 3 year bond at 2.20% with a maximum of £1 million per person. This is in addition to the 3 year 2.20% bond that is limited to £3,000 per person. I assume that this is new as it it not listed on the main MSE savings page. It is though surprising that there has been no…
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Should I be worried
I go to Newcastle Building Society website and the padlock displays in the address bar. However when I click on the login button the address bar says "https" but no padlock. There is also an "i" within a circle. When I click on this I am told the site is not fully secure. I tested the address on "why no padlock.com" and…
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ISA about to reach £85K - what should I do?
When this year's interest is added my ISA will go over the £85K mark. Is it possible to split it and transfer 50% to two new ISA accounts, or can I only transfer the whole amount to one new ISA? Obviously I want to spread my money to keep it safeguarded, but without having to withdraw the money and lose the tax free…
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New tax year - what happens to my stocks shares IS
Hi, Hoping someone will be able to help me with a stocks and share ISA query which I just can't get my head around.... I opened a stocks and shares ISA which I pay £200 per month by DD this is for the tax year 2017/18. What happens when we go into another tax year? Will they open a new ISA or will I continue to pay into…
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Missed Skipton LISA transfer deadline
As the title says really, I've missed the deadline for the HtB ISA transfer in date so my money is now stuck in my HtB ISA. I guess I can just do a standard bank transfer to get the money into the LISA account but I can't take advantage of the contributions I've made before the 2017/18 tax year. My questions is does anyone…
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Having more than one LISA account
Ok first of all I have missed the Skipton deadline so I can't do anything about that anymore. So here's what I am suggesting and I would appreciate it if anyone can let me know if this is breaking any of the rules. We all know there's a loophole we can take advantage of to deposit more than the £4k allowance since the…
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Setting up a Cavendish/Fidelity ISA
Hi, I created an account with Cavendish online/Fidelity just now with a direct debit of £50 per month to go into an Investment ISA. In addition, I added £50 just now from my debit card. I just realised this went into a separate cash management account. I can't withdraw my £50, it's in the cash management account, is this…
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Personal Savings Allowance - capped?
What is the tax position if I (a) receive > £1000 interest on savings in a year BUT (b) have so little other income that I'm well below my tax allowance threshold (around 11.5K if I remember correctly)? Do I pay tax on the interest > £1000 or does that all sit within my overall 11.5K tax-free allowance?
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NS&I Fixed Rate Renewal
Just had my renewal through for my NS&I Fixed Interest and I'm not sure what to do with it. To be honest, it's the last fixed term interest one I have. Took it out 10 years ago, at the full value. My options.. Another 5YR at 2.15% 2YR at 1.55% Get a new car or a massive party I really don't see the point of that interest…
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simple best savings account
which at present is the best savings account around? after Tesco online saver removes the dd function soon to fund them, ill be closing them along with 1 or 2 current accounts that used them dd's to meet the account requirements. I would of put more effort in to finding some dd's but given the reduction in interest rates…