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Significant amount from property sale - what to do with the money
Hi Genuinely asking for a friend, a relative in fact. He has sold a property abroad and is dealing with all the Capital gains tax implications in that country. Also transferring the money at the best Xg rate. He is a single father, on a low income, home owner mortgage-free, no savings, no pension, no other investments, one…
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Advice for holding house sale proceeds for care home fees?
Hello savings people We're in the process of selling my partner's father's (FIL) home to fund his care fees. He's lost the mental capacity to deal with anything and been in care for a couple of years now. We hold power of attorney and have a deferred funding arrangement for ongoing fees in place with the council. His…
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Saving VS Paying Debt
New to the forum, so huge apologies if this is a subject that has been discussed to death, however I have been thinking a lot lately about being more involved in the finances at home. For context my partner looks after them, and does a good job, but we disagree on a few aspects and I would be keen to understand what other…
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HSBC Premier Banking and Wealth.
*if this should be in budgeting/bank accounts feel free to move it. I do the odd mystery shop, some of which involve banking tasks, last week I carried out a few on HSBC involving Premier Banking and Wealth (which incorporates savings and investments). Question I have is this - I find that if/when I do ever speak to…
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Capital losses for asset ACQUIRED abroad but SOLD in UK?
Moved to the UK in April 2022. In 2023 I sold some crypto assets at a loss that were acquired in 2021. Now can I use these losses against 2025 capital gains? Many thanks.
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ISA Management charges
I have an ISA with a reputable firm but after the inital 12 months i an now paying £5 per month in management fees. Do all ISA firms charge fees to look after (do !!!!!! all with) your ISA? Are there any ISA firms that will just be happy to looking after my ISA investment without charging fees?
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Saving for children
I have a couple of questions that I'm hoping people may be able to help with- 1. I have a child trust fund for my oldest child. Is this the best route for saving to have something to give her? I've paid a little in each month for years. 2. I haven't set anything up for my youngest, what is the best route to do this ie…
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Tipton - connection is not secure message - anyone else
I am trying to log on to check my balance on my phone through the app and have had a message pop up after the “getting things ready” screen to say “connection is not secure contact Tipton”? Is anyone else seeing this or do I need to worry about my phone security? Thank you
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Buy to let capital advise
Hi All Just after Some advice, I am purchasing a BTL via a LTD co. I need to pay £100k in total and have a cash shortfall off £20k I have a few options as I have a watch I can sell for circa £12k and stocks at £25k Options 1, sell stock 10k and get a 10k loan (interest can be claimed back) 2, sell watch 12k and get a 8k…
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Best savings accounts for 18 year olds?!
Hi everyone. Kind of new to this so bear with me. I'm 18 looking to open a high interest savings account. However, given my age, there is little widespread information to verify my identity. As I pay no bills, have no credit score etc I couldn't open an account with Atom Bank, a purely app based service, as I did not pass…
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Hanley Economic BS FREEPOST address
Is it still FREEPOST HEBS? Google hasn't been kind to me for recent results. TIA
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Mothers Tax
Just wanted a check on my mothers tax situation. Have I done anything incorrect? Thanks
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Unable to Withdraw Savings from Help to Save Account
Is anyone else in this position? For the past 2 months I have been trying to withdraw money from my Help to Save account. Every time I am met with the response below. I wasn't trying to close the account, just withdraw £100 and my balance is £2400. I've complained to the gov.uk tech folk repeatedly but not even had a reply…
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Moved: Credit card rewards cards
This discussion has been moved.
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Trading 212 pound cost averaging
Is there a way to set this up to automatically do? i cant find this on any setting?
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Trading 212 has frozen.
Has anyone else experienced this issue? My Trading 212 app opens, but becomes unresponsive and frozen, preventing me from using it; all my other applications are functioning correctly.
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Premium bond limits
Hi all - easy query about Premium bonds (I hope!) I'm now close to the 50K limit and have my prizes set to auto invest. What would happen if I got a prize that took me over 50K? Also, do I need to turn auto invest off now? Thanks Mia
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NS& I Children's Bonus Bonds
I'm just wondering if anyone has had trouble cashing in their old Children's Bonus Bonds? My daughter has £250 worth of bonds bought for her in 2000 when she was born. We never received updated statements over the years like we were meant to, so had sort of forgotten about them after all these years. Upon finding the…
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Bank accounts which can manage payee accounts with different reference fields
There has been some discussion on the Regular Savers thread about which bank accounts can manage having payee accounts with different reference fields (as some banks are unable to cope with this), such as when you have several savings accounts with the same building society and deposits need to be made via the same…
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How would you save spare 1.5k per month🤔
Hi, I have worked out my finances and have a spare 1.5k per month. I am 51 years old and aim to save for a minimum of 10 years. My mortgage is currently 1.59% for another 2 years. I’ve got a Trading 212 and Revolut account and have been looking at the different options. I have also been reading about investments but I am a…
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