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transferring shares to my daughter
My wife has 30k of AsztraZenica shares she would like to transfer to our daughter (23 years old, lower rate tax payer, 7k in savings currently). Please can anyone advise on the most tax efficient way of doing this?
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Will Trust, Trustee Account, NS&I Growth Bond
Hi, have spent many hours trying to understand best approach re bank account for a Will Trust for my deceased father (and have read many threads/looked at various websites.. Bath/Skipton/Metro/Bunckinghamshire, etc). Am really hoping that the collective brains here can confirm if following approach is acceptable Objectives…
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14 Day Cancellation Rights - Fixed Rate Bond
Hi there. I recently deposited a large amount of cash into a fixed rate bond using the Prosper app. It is due to mature on April 7th 2025 which I thought was fine as we are in the process of buying a new house and initially everyone wanted to move in April. However, with the changes to stamp duty being introduced on April…
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Different Types of Gilt TN, TR, T, TG and TRxA etc.
I am considering moving some of my cash (held in the RL short-term money market fund) to Gilts as a hedge against interest rate decreases. On the II website (my chosen platform), I can see numerous Gilts with various references; see the title for examples. What do the references mean? Also, if I want to sell them before…
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Hodge Bank. are they any Good ? Positive & Negative feedback Welcome?
Hello Everyone,I am thinking of putting 10K savingsinto Hodge Bank.https://mysavings.hodgebank.co.uk/registration/preApplication?productId=B2Y_A_140125I was looking for positive or negative feedback views on this bank ?I saw @Timmy1 post on the 24 May 2024which was negative!I don't want to have to start uploading documents…
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Tax collection with no taxable income
Hi, I am not sure which is the best forum to post this question - but this is a place a visit regularly and know there are some very knowledgable people on here. My wife has transferred her Married Allowance to me backdated to 2021/2022. This is all pretty much now sorted. However, in transferring the full 10% to me in…
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Tracking capital gains when stock trading regularly
I have a trading account with Hargreaves Lansdowne, but rarely do any trading, as when I've asked them if they offer a tracking mechanism to ensure I'm aware of any due capital gains payments, they say they don't. It really, really puts me off trading regularly. I do not want to fall foul of HMRC because I have not kept…
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Windfall Bond Changes
Seems there are some significant changes to the Windfall Bond coming from the 1st October 2024 https://www.familybuildingsociety.co.uk/savings/windfall-bond/windfall-bond-changes-2024 Anyone got any thoughts on whether this is for the better or worse? I've had mine since 2016 and I have only once won £1k. Meanwhile I see…
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Fidelity Cashback offer for transfer of ISAs, SIPPs or Investment accounts
Just noted that this generous cashback offer applies to SIPPs, ISAs and general investment accounts. Transfer must be started before 1 April 2025 and you have to stay for at least 18 months.
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Returns on my S&S ISA, I’m confused.
Returns on my S&S ISA, I’m confused. I have money
invested in Vanguard LS 60% like a lot on this platform. Just looking at a
chart that indicates over the past year this has returned around 14%
yet if I take the actual amounts in my account one year ago and
compare this to the value today it is saying the increase is…
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Tandem Bank top up
I had a Tandem Bank account a few years ago but stopped using it when it was no longer competitive. I have just reinstalled the app and logged in to see I am no longer offered the top-up bonus. Is there any way to get it again?
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Children's Bonds - NS&I Scam - 1990's
In the early 1990's my wife and I invested a few thousand pounds from the little we had at the time in Children's Bonds for each of our daughters. Now they are in their early 30's and needing some funds for the next stage of their lives we decided it was a good time to cash in the bonds. It is not easy to apply for a…
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Chetwood Savings Account - interest paid monthly or annually?
I've just opened a savings account with Chetwood Bank. Does anyone know if interest is paid monthly or annually by default? And how would you change it? thanks
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Gatehouse EA Interest
Does anyone know if there's is a minimum interest threshold for Gatehouse EA account to pay the interest. I only have £6 in it, as it's an account I set up for when the chase interest rate reduced. It's set to monthly and paid away. So I was expecting 1 or 2 pence, but nothing has appeared in my nominated account.
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Ns&i fixed bonds
hello in your experience, if you cash in one of their fixed bonds at maturity- does the money arrive in your nominated account first thing in the morning on maturity date? Or is it just before the end of the working day? thanks
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Savings Accounts for UK National but who resides overeas.
Does anybody know of any savings accounts that can be opened by non UK resident. I get paid into my UK bank, pay Tax in the UK but as I am not resident in the UK I can't find anywhere that I can put some savings. I am an EU resident but UK national.
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Help to Buy ISA closing statement
Hi all, Just need a little clarification on this last part of the buying process. I've currently got a Help to Buy ISA with HSBC and also am looking to exchange on a property on the 12th December (10 days time). I was just wondering what the procedure is for claiming the 25% bonus on the ISA. I understand I need to obtain…
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Bank account with interest for club (unincorporated association)
Hi, I am the treasurer of a University Society with less than £10k in the bank. I am looking for a bank account with an interest rate - most 'community accounts' or similar have no interest rate. The 'Charity Bank' fits the bill but we don't have enough money to open an account. Alternatively, a normal savings account that…
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Tandem App Security. What is the point?
I just went to log in to my Tandem app and I incorrectly
entered my pin code. I decided to use the forgot code link. I was asked to
enter my mobile number and a OTP was texted to me and I was then able to set up
a new pin code. What is the point of this pin code? If it wasn’t there, I
could go straight into the app.…
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Skipton Building Society Not offering 18 month Fixed Bond to regular savers
Hello All,I have a 2 year fixed rate bond which matures this month with the Skipton Building Society.I intended to reinvest the proceeds with the Skipton Building Society utilized my online account to transfer the funds to a new savings account.I was anticipating the availability of the 18 Month Fixed Rate Bond Issue…
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158.3K comments
Most recent: Re: Cash isa question by Moneymiser99
6 August at 8:55PM
