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LLYODS BANK SHARES
Hi wife has 1053 10pence shares in Llyods bank which were given to her by her aunt. We cannot figure out how much these shares are worth and if it would be worth selling to pay off some of our mortgage? Please advice
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Trust Funds comparisons
My family have a Trust Fund which is placed in a n account that is not paying any interest. Is there a way apart from googling to find an account that will pay interest?
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Barclays Reward saver.
Hello, I've just come across the "Reward saver" from barclays the rate isn't great (2.75%) no withdrawal per month, drops down to 1.00% when you take out. Anybody as any opinions on this account. This is a new one on me, so don't know if it been around awhile.
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single fund
Ive read several comments on threads recommending against single funds for investments recently. I have a HSBC global tracker in a SIPP with 20k ish in it- I have set up a regular investment to come from my limited company should I be looking to diversify or keep adding to the same fund? am probably 17 years form…
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Bitcoin for beginners
I feel like I am late to the bitcoin party. Whenever I look at forum discussions and articles about bitcoin, a certain basic knowledge seems to be assumed. It is like unravelling a ball of wool and never coming to the beginning. Or unravelling a ball of wool only to find that what I want to know is in another ball entirely…
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Untaxed Savings Interest - Confused
Hi all, So I thought I’d got my head around taxation on savings interest but on our new tax codes for 24/25 there’s deductions to allow for ‘Untaxed interest on savings and investments’. Now confused ! To clarify, my understanding is that you can earn up to a maximum of £18570 between earnings/pensions and savings…
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Crypto Currency ??
I understand what crypto currency is - its a "virtual" currency But I can't understand how people can make a fortune / loss investing in itand what is the equivalent in £'s or $'s to "mining" ?is it "printing your own currency ? Could someone explain to me in simple terms ?
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Investing suggestions for 30/40 year olds
Two members of my family are late 30s and nearly 40s. Like me, they inherited when my father died (approx £40k to each of them) and are unaccustomed to having excess money. Both have busy, quite overloaded lives balancing work with raising under 12 year olds. As a result of all of the above, they have little time/energy to…
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Simple share selling question
Hi - i'm totally ignorant about shares, but i have some in eurotunnel, which i inherited 20 years ago. A grand total of about £50 worth. They are 'held' - if that's the right word - by computershare who want £20 to sell them for me. Is there a cheaper way, or can i only sell through them? Thanks.
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HL announces new 4.125% gilt auction, closes (with them) 29 April 2024 ( oops!)
For those who have an interest in investing direct in new gilt auctions, see below received in my inbox today from HL. Also available on the Interactive Investors platform. ' The Treasury 4.125% 2029 is a new gilt launching today. Applications are now open and you can invest online with HL. Investing in gilts may not be…
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PBS regular saver accounts.
Hello, I currently have the PBS healthy habits 2 year saver opened it only a few days ago and now withdrawen. I noticed now they have another regular saver" 1 year triple access " , can l apply for that one too?
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Shin Nippon woes...
I have been a happy long term investor (ISA) in BG Shin Nippon but they do seem to have lost their way recently. I have four investment tranches. First two in positive territory ( just ) but the more recent ( just a few years less invested) quite a loss. Overall negative territory. Anyone with insight into why such a big…
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Closing and re-applying for accounts to move interest dates and/or extend term
Anyone closed and re-applied for Skipton
Building Society Member Bonus Saver (currently 5.5% up to £3000)? If so, how
soon after closing were you able to successfully re-apply? I haven’t used it
apart from initial £1 but it would be of use to me this coming year if I could push
the interest to 2025/26 tax year. Same…
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Regular savers ending - can I open a new one?
So my regular savers with Skipton, First Direct and Halifax are coming to an end next month 😕 Am I able to open another one as soon as the old one has ended? Also - do they automatically close it? How do I get my money back? Is it going to ask for maturity instructions?
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x-o abandoning SIPP customers?
Currently, I have a SIPP held with x-o, part of Jarvis. x-o hold the shares while another company, Embark Pensions, manage the pension legal aspects. I received a letter today from Jarvis saying that they are withdrawing from the SIPP market and that I have to move my account elsewhere. I guess they have found SIPPs not to…
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Bare Trusts is special account needed?
Bare trusts held in Interactive Investor. Legacy accounts. They no longer properly support Bare Trusts. Account is closing. They suggest just creating a separate investment account and putting the Bare Trust in that. It would not longer have the name of the Beneficiary on it, rather the Trustee's name. Does anyone know if…
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Islamic saving accounts.
Hello. I've read that if you're a Muslim, then you can't technically earn interest but can make a profit payment. Is there really much difference other than the termology used? Also, can a non-muslim open an account with these banks? Thanks
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Cynergy Linked Accounts
I currently have 2 Cynergy accounts that are each linked to withdraw to a different Bank account. They are both however, funded from the same bank account.So Cynergy acc1 is funded from bank accA and withdraws to A and Cynergy acc2 is funded from bank accA but withdraws to bank acc B. I thought I recalled getting a message…
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InvestEngine
Hi everyone. Longtime lurker. First-time poster. Fantastic forum. Does anyone here use InvestEngine? How have you found them, for small, medium or big investments on their DIY ETF or Managed platform? Easy, fast, slow, good, bad, reliable, trusty, safe? Better or worse than (say) Vanguard? Any other feedback? Have some…
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Saving for children
Good morning I have 2 very small children and would like to set up savings accounts for them. I've looked at JISAs and I think I can open 2 and put half the allowance into each every year however that doesnt appear to be the most efficient way to save for them. Im considering a high interest monthly saver but would I have…