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Effect of Reducing hours and hourly rate on NHS Pension
I worked full time in a permanent role for the NHS from 2007 to June 2024. Rising to middle management. However, I hit burnout and instead of taking +++sick leave I chose to leave my permanent role and take a lower graded bank (zero hours) position. The intention being to try to recover from my burnout but still earn a…
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B&B shares
If I rebuy shares sold <30 days ago, is the gain/loss from that initial sale ignored for CGT purposes, with CGT instead calculated against the original purchase price when I eventually sell the shares? Meaning that if the share price rose during the days I did not own them, I would pay CGT on a gain I didn't benefit from?
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Advice with Savings
Hi, I started an ISA in May and have maxed that out. In April next year, can I keep the same ISA account or transfer it to a different company as well as open another ISA and not pay tax on that too? From what I've read, it's important to transfer the 25/26 ISA to keep that years allowance, is that right? I have enough…
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Tiered Interest Rates.
Periodically I like to check the rates on my "unused" accounts. Just logged into Oxbury and noticed my rate is 0% (due to only having £1 in it). Not a problem I thought, other companies do the same and I just need to locate their rates for NLA accounts. Couldn't locate it so using chat I was advised of the rate for my easy…
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Does eToro supports Recurring Buys
Hi,I'm thinking to start investing using eToro and I was wondering if anyone here know if the platform supports Recurring Buys?I'm thinking something like setting a certain amount of money to use everyone week/month to buy assets.Tried to find that option on the platform but without success though I'm really new to eToro…
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Nationwide Flex Regular Saver 6.5% AER (variable)
Hi All, I'm new to this form, and have just seen another thread similar but not with the details as per title. I can't find anything to match this, or better on MSE, understand its not fixed, and only allows 3 withdrawals per year(after 4 reduces to 1.05% AER), with max £200 a month. Any thoughts or advice before I take…
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New to Gilts. I have a few questions before buying.
I discovered gilts yesterday, so I've been doing a bit of research on them. They seem too good to be true, so I want to check with people who have bought them to see if I'm missing something. I pay tax on my bank interest and have quite a bit of money in bank accounts. My current plan is to buy about £80,000 of gilts at 0%…
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Beware Atom Instant Saver Reward!
Please note that monthly interest paid on this account (currently 4.85% AER @ 8th November 2024) is paid back into the saver and NOT into your connected bank account. If you want access to this interest (leaving your savings amount untouched), you have to make a withdrawal - in which case your interest rate drops to 3.25%…
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Isa Flexibility with different providers
Hi, just spent an hour waiting to speak to HMRC and support was totally clueless about ISA, let alone specific question, so hoping somebody here could help me. I've maxed my 20k cash isa with Chip for this financial year.Since then I've decided to invest some in Shares ISA with Trading 212, both accounts are flexible. I'd…
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Original share price for Abbey National/Santander
Like many back in the day I was given 100 abbey national shares when it went public. Then it was acquired by Santander. I recently sold the Santander shares but don't know what the original share price was so I can calculate the gain for CGT purposes. Does anyone know what the share price was that I should use? Thanks.
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Section 104 holding bed and breakfast rule
Hello, I have just received some shares into a holding account (This was a mistake, I had wanted to take the shares as cash through payroll but I didn't complete a form properly.) So I now have circa £100k in shares that I want to sell. I have a Section 104 holding containing come historic shares in the same company and…
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Chip Savings to start sharing data with government
I got this in an email: "Our savings accounts are powered by our partner bank ClearBank. They’ve updated their privacy notice, here’s what that means for you. ClearBank has recently made updates to their privacy notice section 8.10.This means ClearBank may share your information with bodies such as the FCA, PRA, FSCS, the…
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Nationwide regular saver
Had a search but couldn't see any threads on this. Would people recommend it as a good product?
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Allocating Savings and Investments and what risks to take depending on tolerance
Hi all, First post here :) Keen to get your thoughts I’ve been trying to get my head around how best to split money between different places and I’m curious how others approach it. For example, a normal savings account like Chase pays around 4.75% right now, which feels safe but obviously WON'T beat inflation in the long…
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Closing the Edge Saver account
My 7% Edge saver account finishes its bonus part of the interest next month. I gather if you withdraw the money and close it you can then open a new one for another year at the current bonus rate. Can you close it via the app and if so how? Can’t see anything obvious.
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Bare trust query
A great aunt has left my little girl a 6 figure sum in her will, which should be settled by her solicitor in a few weeks. I'm thinking we should set up a bare trust, with three trustees including myself. Who's best to set up the trust? Myself, her grandparents (great aunt no longer with us) or perhaps the solicitor?…
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Looking for Advice: Change in Investment Management After Firm Buyout
My long-standing financial advisor recently retired. Despite the ups and
downs of the markets over the years, they consistently helped me stay on track
and achieve both my retirement and investment goals. Since their retirement, I’ve been working with a new advisor within the same
firm, and overall I've been happy with the…
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Buying shares for the first time.
Hi I have joined a group that offers shares advice (as in which shares to buy and when to sell). I've followed the advice without actually following through, as a test. If I'd bought and sold as advised, I'd have made about 7% in two months. I have decided that I can afford to lose £200. I'd like to buy and sell as advised…
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Flexible and Non-Flexible ISA
I received some inheritance back in March which I added to a Vanguard flexible S&S ISA for around £15k. I then withdrew it in late April as I needed it for house renovations. I deliberately timed the contribution and withdrawal to give me the opportunity to 'carry' some of last year's allowance into this year. Given it's a…
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L&G rejected claim
Recently been having health issues that potentially will make me unable to continue working still waiting Had a L&G life insurance & critical illness cover policy for 21 years ( expired 31st august, claim was in before this date)& decided to make a claim which has taken forever to gather relevant information required by…
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