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Capital gains and Northern rock shares
Can anyone tell me, is it possible to use the losses from Northern rock shares that went down the pan in 2007, against capital gains for 2014/2015 tax year.
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Tax Credit for UK dividend
Hi, I've just logged into my online shares account and looked at the tax section and it reads Tax Credit - £13.90 What does this actually mean? Do I need to fill in the pay, or has it already been taken out? Thanks
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UK Savings Account but moved abroad.
Good morning, I'm looking for a little advice. I have an (joint) savings accounts based in the UK, which I would like to move. When first opened, it was a fixed rate interest for 2 yrs. Then I moved abroad and simply left it as it was. I stupidly realised that the fixed term ran out and the interest last years was only…
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Savings advice
Hi Guys, New to the forums, just looking for some saving advice, I am in a posistion were I can save £2000 per month, whats the most effective way of doing this? Thanks Jimbob
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Vanguard Life Strategy
Hi, More questions about VLS. I'm a new investor, aged 50 and looking at a 10 year investment period. I am looking initially to invest around £18k in VLS through an S&S ISA to diversify after selling an accumulation of shares in my employer held in the ISA. After that I have another £20k in cash to invest at some point. So…
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Low risk investing to match inflation
I'm considering transferring one of my pensions to a SIPP and need to invest it over a 5-10 year horizon to keep pace with inflation. I don't want to take any more risk than necessary to achieve that target. I know the usual route is bonds, but I hear bond prices may crash once interest rates start to rise. I also bought a…
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Selling shares through Equiniti : when do they need the certificate?
I placed a deal to sell a portion of shares held with Equiniti and I was expecting them to give me instructions about sending them the share certificate but they didn't. They don't seem bothered about needing the certificate. Is it because they're a registrar? Don't they need the share certificate to make the settlement…
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Saving for my 30th.
Hi, I am looking to start saving for my 30th Birthday in 3 and a half year. I want to book a big holiday with my friends to the Caribbean and then there will be a trip to New York 6 months later. I am hoping that during this time I will be able to save the costs of the holiday and the spending money. My question is where…
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Credit unions and data sharing
My friend and I were talking about this today. She has an account in the credit union as she prefers it to a bank. I had mentioned that with credit unions, you have to pay tax on the dividends. She believes that the HMRC would know all about any dividends received and that she doesn't need to inform them. I know that with…
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HSBC Online Bonus Saver - Interest Plummet
Warning folks. I received a letter today informing HSBC are reducing the interest rates on their Online Bonus Saver with effect of 2nd June. Standard Existing rate Net 0.2% Gross 0.25% Aer 0.25% Standard new rate Net 0.08% Gross 0.1% Aer 0.1% Bonus existing rate Net 0.60 % Gross 0.75% Aer 0.75% Bonus new rate Net 0.4%…
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Halifax Reward Saver do i have to pay salary?
im looking to open reward saver, now do i need to pay my salary into this account or can a move money into this account from my existing current account? thanks
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Academy of Financial Trading
Hi Has anyone ever signed up or had dealings with http://www.academyft.com They offer a foundation course in understanding technical trading as well as a more advanced course, just interested in any views, thanks
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Fund Supermarket lowest charges
I am currently with HLansdowne and as a small investor ( less than 50k ) are they the best for my circumstances for holding funds long term? Or is there a better fund supermarket which has lower overall charges? Thxs
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MSE News: New rules confirmed, which give more protection to savers if their bank fai
The FSCS limit will be increased from £85k to £1 million for temporary balances under new rules outlined by the Bank... Read the full story: New rules confirmed, which give more protection to savers if their bank fails Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it…
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Saving Account For Our Newborn
We have recently had our first child. Could someone recommend a saving account? We are likely to put the child benefit we receive into this and all the monies she has and will receive for birthdays etc in this. Thanks
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Advice on Inheritance - Trust Fund, buy to let?
Hello, Im hoping to get some general advice. Unfortunaly my husband recently passed away. Our mortgage is cleared and we recieved various death in service payments. Roughly, i have around £370,000 which has been put into an offshore trust which i take £2,000 from each month for cost of living but the fund is still…
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Help To Save my Son....
Or at least, help my son to Save! My son earns very good money as a fisherman, but is very bad at keeping it in his possession. He has asked me for advice on a way to save that would make it harder for him to access his money than his current account ISA with RBS. He would want to set up a weekly standing order and isn't…
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Share certificates discovered
My mother in law passed away recently and we have been sorting out her effects. We came across a cache of share certificates for WH Smith, where she used to work, totalling 158 'A' ordinary shares. We thought that she had sold her shares, and there is a receipt from Lloyds showing the sale of 142 shares in 1999. But we are…
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ctf to junior isa?
According to mse ctf can be transferred to junior is a from 6th April 2015. 'From 6 April, if your kid has a CTF account you'll be able to transfer it to a Junior ISA (JISA).' Copied from mse's page on ctfs. I have contacted some building societies about this and been given variations on this reply. (Some were seemingly…
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Motley Fool Migration
Help wanted please! I had a sharedealing account with TMF which I used to hold some shares I received from a company sharesave scheme. TMF has migrated this from HSDL (Halifax) to iil (Interactive Investor) I stupidly forgot the transfer date was the 16th of March and did not respond to their warning letters, now I cannot…
