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Paying tax on stock income
I have now made more than £3k from buying and selling stocks and am now thinking about how to pay tax on this. 1. I assume I would pay tax on this when I do a self assessment next year after the current tax year has ended. I don't need to buy tax right now. Is this right? 2. If I buy stocks now and make a loss, I can set…
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Putting Money Aside I Can't Touch
Hi everyone, I’m looking for some advice on saving habits and building a bit more self-discipline. Each month I round up my spending in my Chase account, which usually comes to around £100. The problem is…I end up withdrawing it every time. I also put some cash aside in a tin, but I usually dip into that every couple of…
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Where is Everyong Hiding Money?
I don't understand this. I've never really had enough cash in good bank accounts to have £1000 in interest but now HMRC have written to me to say they're going to tax me as I have gone over that threshold now. I would say my savings are modist but maybe I have more than I think. Most of my savings are in differnet accounts…
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Trading 212 £50 shares offer
Hi all, I'm tempted by the MSE promoted offer but have never dabbled in shares, I've only used savings accounts as an investment. I don't think I'd get massively in to it but thought with this offer I shouldn't lose in theory unless the shares dropped heavily in value? I have heard people saying to invest in different…
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Do I need to buy actual gold?
I am convinced that there will be a market crash of around 20% in 2026 so I want to put my money in something that will not be impacted by a recession and the likes. I can see some stocks on T212 that seem to be connected to gold and silver but I don't understand how it works since I am not actually buying the actual gold…
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CGT on inherited shares
Can anyone here offer advise on the above, I want to sell some shares but unsure how it's calculated with regard to value etc
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Scottish widows/iweb
Noticed my iweb account has been taken over by Scottish widows. Is there anything to wary about here or is everything basically the same?
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Banks for 12 months bond
Anyone got a savings accounts with the following banks, who aren't well known (not to me anyway!) but seem to offer decent interest rates for 12 months fixed rate savings LHV DF Capital Vanquis Bank Can you share your experience?
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Trading 212
I,m trying to put cash into an isa with them, i,m a new customer. Ive got to the bit where i have to deposit the cash. When i press instant access, it goes to my account,goes through to truelayer,onto my bank, then it goes back around again to the deposit funds. I cant go anywhere from there it just repeats itself. Any…
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Trading 212 to ii
4 weeks... to transfer in
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CityAm newspaper now partnered with Investec
CityAm newspaper now partnered with Investec, proudly announced on there front-page; wonder what this can mean for bias?
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Royal Mail Share
This discussion was created from comments split from: Weirdest Christmas flavours | 2025.
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CGT question
How does CGT work if you have invested in a series of funds through many years? I assume you report the last fund purchase as the applicable gain for that tax year if all the different intermediate funds made gains over the years that were never crystalised? If that is the case can you not avoid some CGT by buying a low…
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Kent Reliance sneaky rate withholding
On 11th the interest rate on my savings account is reducing from 4.43% to 4%. As is often the case with KR they introduce new accounts with a higher interest rate than the dropped rate so you either accept it, move your money out or open the new KR savings account. Last week my online account showed an issue 9 account…
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Selling Gilts To Take PCLS
I'm 10 years short of state pension age (in 2035) and in all probability won't be earning much more to add to ISAs or pension. 2 years ago I constructed a gilt ladder in my SIPP, ostensibly to fund expenditure until state pension age, buying nominal bonds maturing from 2028 to 2036 with yields to maturity ranging from 4.5%…
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Best savings accounts for American Expats
Amercians banking in the UK must use Foreign Account Tax Compliance Act (FACTA) approved banks. Not only must they be approved, they must be willing to do the paperwork. Many are. For example Lloyds Bank and Principality Building Society. Some appear not to, for example Cahoot. The best cash ISA I've found is Principality…
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Savings/Investment Advice
Good evening. My ex and I are selling the house that we shared when we were together. There is some equity in the property that we still be splitting. I do not need to purchase a new property as I will be moving in with my girlfriend. I would like to know what is best to do with the money I received from the sale of the…
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What to do ???
A couple of weeks ago I asked the question what I should do with £41,000. My young grandson 29 hopes to buy a house next year, Buying a house is difficult for young people as nowadays as they will need a substantial deposit ?? I have no idea how much of a deposit they have or how much any properties they are looking at…
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NS&I frustrations - Grrrrh
I've just tried to register for an NS&I account to buy premium bonds. Once I realised (following help from this forum) that the Chrome browser seems to be the way to avoid the 'you've been logged out as you pressed the back button' IT glitch, they've still left unresolved for years, I actually managed to register. But...…
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Savings and Tax Threshold.
Hi, I would be grateful for any thoughts on the following I have a pension and some savings -not ISA. I am on the full tax threshold tax code, £12500. My annual pension and savings interest income do not exceed the threshold. However HMRC have just reduced my threshold by £400 and changed the tax code. What am i missing…
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