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How do I value old 25p Lloyds shares to determine if I have a cgt liability
Hi. I have 2 questions. 1. How do I value old 25p ordinary shares in Lloyds now that they have a nominal value of 10p. ie the share price today is £1.09 but presumably I don't just multiple that by the number of shares I have like I have been doing with the 10p ones I hold or do I? I'm trying to determine if I have a gain…
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use unemployed partner to avoid paying tax on savings interest?
Regards to the above - can I give my unemployed partner some of my savings instead to invest in her name so there is no tax to pay?
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How to access my Premium Bonds - I have no details as bought when I was a child
When I was a child my parents told me that my god parents (not related) had bought my and my brother lots of premium bonds (I think 18 each?). I dont have any of the details or account number. I think the papers might be at my parents house but we are estranged and I don't trust them not to destroy them if I asked. I dont…
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Saving whilst abroad
Hi all, I have recently moved from the UK to Australia for 2-3 years on a skilled workers visa. I have a cash ISA (Plum), lifetime ISA (Tembo) and a savings account. Since moving to Australia, I have received a lump sum of £20000 from a relative passing away and wanted some guidance on how best to invest/ save this money…
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High Court approves Nationwide acquisition of Virgin Money - change to FSCS cover
Approval granted on February 23 2026 and currently expected to be effective from 2 April 2026 (the transfer date). There is an extensive Q&A on https://uk.virginmoney.com/nationwide-transfer/questions/#q1-will-the-transfer-affect-my-deposit-protection-under-the-financial-services-compensation-scheme- In summary, almost…
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Advice on Mothers house sale.
My Mother is nearly 92 ,has Dementia and is a Residential Home.Luckily after working all her life ,she does have some savings ,but these are dwindling due to her paying for her care ,this has led to her house being sold ,I have LPA. The money from the hose sale is due to go into her bank ,on completion early next week .…
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Cynergy Bank
I have a couple of 12 months bond maturing in February so looking to save them with someone else as they are offering very poor rates to re-invest. Cynergy bank appears to give a good 12 months bond rate but I have never used them before. Anyone got experience of this bank and can share your experience? Thanks
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Trading 212
Hi, Is Trading 212 a good way to start investing? Thanks
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Mortgage, Invest or Avoid
Am currently going through rough time and near the end of a divorce, it looks like my partner wants to move out of our marital home to a new place so going to buy her out (60/40 split in her favour on equity). That means I am going to need to re-mortgage the remaining £330k on the house which is a big stretch. I can just…
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Skipton - Anyone else having trouble logging in?
Tried to log into Skipton on my app. Wouldn't take my passcode. Then tried forgotten passcode link but wouldn't take my online password either to reset it. Don't want to be locked out. Wonder if there is a blip on their system. 🤔
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HMRC payment end Feb deadline for estimated letter.
Hi asking for a friend's dad.... The father never had to do q self assessment before and was paying on the estimated tax owed letter HMRC had sent each year. However, investment income means he started a self assessment for 24/25. Unbeknownst to him, HMRC haven't sent a UTR code although it was requested months ago. Rang…
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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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S&S ISA transfer
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IG.com
I opened an account with IG, as recommended by MoneySavingsExpert, transferred funds in, and they quietly rejected the payment without any notification. I only discovered the issue by chance when I logged in, which is completely unacceptable for a financial institution handling client money. What should have been a simple…
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Vanguard fund, how to sell without triggering capital gains tax?
Hi, In my Vanguard GIA account Ive been investing in the FTSE Developed World ex-U.K. Equity Index Fund - Income. Im thinking of 'cashing-in' on the recent gains, which in total are slightly more than the £3k capital allowance limit. How can I sell the right amount to keep myself below the capital gains limit? Also, do I…
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Do Lloyds bank care where I have my investments?
Currently I use Lloyds Bank for normal banking - just a free current account and normal credit card that is automatically paid in full each month. Usually anything between £2-10K in the account. I have about £500K invested with IWeb/now Scottish Widows. Can Lloyds Bank "see" this and if I transferred some/all of it to…
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£50,000 Premium Binds limit reached
Hi, I have reached the £50,000 limit in Premium Bonds, but I have a DD going in each month. Where should I continue paying the DD into?
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Crypto Trading sites
Hi, I was wondering if someone could explain the crypto trading sites and the differences between them when it comes to value you get from each platform. There seems to be a clear difference between these sites that all have the same %age fees. For example, I have signed up to 3 different platforms and have noticed that…
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Top of the Stocks
Top 10 this week 22/2/2026 Just talking about the good old days listening to Top of the Pops. Somebody said wouldn’t it be easier to invest if the FTSE Index if it were listed in the same way. Just because it’s number 1 today doesn't mean it will stay there. Treat it as a narrowing down of the choice. What do you think?…
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If you have £8000 in Bonds, Questions about transferring out? (Many concerns ! )
If you have £8000 in Bonds, Questions about transferring out? (Many concerns ! ) My friend is a widow, and unemployed, and her husband and her had some Bond stock/shares in some companies. It was mainly her husband who set them up but she was on the name of one of the bonds - Pru. Here attached is a 3 page letter of one of…
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