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Last updated: 16:37 BST, 2 October 2024
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We own two homes and want to put them in separate names - will we pay capital gains tax?

We live in Scotland and 現在/一般に 共同で own two 所有物/資産/財産s, one 所有物/資産/財産 was 宣言するd as a second home when 購入(する)d in 2017. I am 半分-retiring while my partner is still working, so we will be spending time in different homes and want to own one each. Will we 支払う/賃金 資本/首都 伸び(る)s 税金 if we gift each other our 株?

Starling Bank has been 罰金d £29million by the FCA for failings in its 財政上の 罪,犯罪 支配(する)/統制するs.

My seven step action plan to stop the Chancellor raiding your family's inheritance, by

について言及する the words '相続物件 税金' to anyone enjoying a 静かな pint at your 地元の pub tonight or at the 週末 and I'm sure their 返答 will be to froth at the mouth. Although very few of us ever have to 支払う/賃金 the 税金 from the proceeds of a loved one's 広い地所 - I didn't as executor to my late mother's 広い地所 - IHT is still 広範囲にわたって despised.

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(v)提携させる(n)支部,加入者 links: If you take out a 製品 This is Money may earn a (売買)手数料,委託(する)/委員会/権限. These 取引,協定s are chosen by our 編集(者)の team, as we think they are 価値(がある) 最高潮の場面ing. This does not 影響する/感情 our 編集(者)の independence.

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賞与金 社債s 勝利者s

Prize Area Value of 社債
£1,000,000 Derbyshire £40,000
£1,000,000 Gloucestershire £25,000
£100,000 Oxfordshire £25
£100,000 Outer London £500
£100,000 Buckinghamshire £20,000
£100,000 York £44,000
£100,000 Surrey £5,000
£100,000 North Yorkshire £35,975
More October 2024 勝利者s
見解(をとる) 名簿(に載せる)/表(にあげる) of October 2024 勝利者s
   

DON'T MISS

BUSINESS LIVE: Oil prices up on conflict fears; JD Sports sales record; AO World eyes

の中で the companies with 報告(する)/憶測s and 貿易(する)ing updates today are JD Sports, AO World, Music Magpie and Shepherd Neame. Brent 天然のまま prices have spiked 4.8 per cent in the last 24 hours to $74.61 as 投資家s 恐れる その上の escalation of the 衝突 in the Middle East could 制限する oil 供給(する) from the 地域.

Facebook owned Meta has 発表するd it will 拡大する its data-株ing programme to 含む NatWest and Metro Bank.

Shepherd Neame has flagged 関心s about the 衝撃 of 提案するd 労働 market 改革(する)s, as higher costs 重さを計る on the brewer's growth 見通し.

Under the 条件 of the 引き継ぎ/買収, AO World will 支払う/賃金 MusicMagpie 投資家s about 9.1 pence for every 株 they 持つ/拘留する, a 58 per cent 賞与金 to the 会社/堅い's の近くにing 株 price on Tuesday.

Saga 株 jumped over 9 per cent on Wednesday after the group 確認するd it was in 会談 with Ageas まっただ中に a 可能性のある 共同 for its 保険 arm.

The 購入(する)ing 経営者/支配人s' 索引 for the 部門 showed that 会社/堅いs experienced the biggest 拒絶する/低下する in 感情 about the year ahead since March 2020.

Universal credit warning issued by police as DWP launches investigation

The North むちの跡s Police have 警告するd claimants of a 偽の app 存在 downloaded that could be a 危険 to 使用者s. Claimants are advised to 削除する it and 扱う their 利益 through 公式の/役人 政府 channels.

Premium Bonds saver scoops?£100k prize with a £275 holding in October 2024 draw

A lucky 賞与金 社債s 支えるもの/所有者 based in Gloucestershire has bagged a £100k prize with a 持つ/拘留するing of just £275. We look at some of the luckiest and most ありそうもない 賞与金 社債s prize 勝利者s from the October draw.

Save £1,200 from your energy bills with the experts' ultimate guide: The new clever tricks

As 気温s start to 減少(する) and the cost of energy rises, now is the ideal time to ?winter-proof your home and keep your 法案s in check. 世帯s will see a £149 年次の 増加する to their energy 法案s as the price cap rose by 10% yesterday. A 世帯 using a typical 量 of gas and electricity will now 支払う/賃金 £1,717 a year.

I have osteoporosis and osteoarthritis, and because I am just over the 限界 for any 利益s will not qualify for any help with my heating this winter.

A lot of women are understandably asking if they 行方不明になるd out on thousands of 続けざまに猛撃するs in 明言する/公表する 年金, and we explain how to find out if you are 借りがあるd money by the DWP.

Behind the scenes of Britain's biggest pumpkin producer as Halloween looms

Tesco has used Oakley Farm as its pumpkin 供給者 since 1996, when it made an 初期の order of 200 pumpkins. It now 推定する/予想するs to produce 5million this year and is the biggest grower in the country. We visit the farm to find out how pumpkins have become a 中心的要素 of Halloween and 正確に/まさに how they go from farm to 蓄える/店.

Last November, I paid a deposit of £800 to TUI for a holiday to the Costa del Sol for me, my wife and our daughter and granddaughter.

From today, buying and selling on the auction 場所/位置 will be 解放する/自由な across all 部類s except モーター listings.

MG ZS review: Is the new £22k hybrid family-friendly SUV a genuine bargain?

This is Money's モーターing 専門家 Freda 吊りくさび-Stempel drove MG's new ZS to see if the SUV is as good a 取引 as the price tag 示唆するs. Building on the success of the old model, the new 2024 見解/翻訳/版 has had an exterior redesign, an 内部の 昇格 and a hybrid engine 精密検査する to tempt 買い手s by 申し込む/申し出ing more bang for buck. So just how good value for money is MG's new model? We took the new Hybrid+ model out and about in the Cotswolds to put it through its paces.

DVLA services now 許すs 運転者s to 税金 their 乗り物 even if they have lost their V5C (スピードを出す/記録につける 調書をとる/予約する) and their 乗り物 税金 思い出の品 letter (V11).

Can you afford a bigger home? Everything upsizers need to know

When 購入(する)ing a home for the second time, you might feel a lot older and wiser than a nervous first-time 買い手. But as those who have a handful of home moves under their belt will know, moving up the 所有物/資産/財産 ladder can 証明する just as tricky as getting on it in the first place. Here is what upsizers need to know - and how to work out if they can afford it.

Spending の中で over-55s on resale 壇・綱領・公約s such as Vinted, Ebay and Depop have risen by 12% over the past year, 予定 to cost and 環境の 関心s.

My 隣人 has a conifer tree growing by the 境界 塀で囲む which is the 高さ of our two-storey house. Our rooms have become dark on that 味方する.

What is the energy price cap and how will a rise affect your bills?

Energy regulator Ofgem's 普通の/平均(する) price-capped 法案, 現在/一般に £1,568 a year, will rise to £1,717 a year from 1 October. In practice, it means most 世帯s will see a rise in energy 法案s of around £149 a year - at least until Ofgem next updates its price cap in January 2025.

How to cash in on the $1trillion AI spending spree - is it just hype or a real revolution?

Companies and 投資家s are betting 抱擁する sums on generative 人工的な 知能 (AI) - the 科学(工学)技術 that 約束s to transform whole 産業s, economies and even societies. Tech 巨大(な)s like アマゾン, Google and Meta are 主要な the way on a splurge 始める,決める to 越える $1 一兆 in the coming years.

Germany's industrial decline casts a shadow over UK growth: ALEX BRUMMER

Tempting as it might be, it is hard to 見解(をとる) Germany's pronounced 産業の 拒絶する/低下する with schadenfreude. The German economy remains the powerhouse of the Continent and Brexit notwithstanding the EU is still the UK's biggest 貿易(する)ing partner. The 崩壊(する) in the country's 製造業の in September, as 手段d by the 購入(する)ing 経営者/支配人s' 索引, is truly shocking, with 生産(高), new orders, 雇用 and 在庫s all 急落(する),激減(する)ing at an ever faster 率.

In a major 上げる for the City, Thomas Ryder yesterday 発表するd 計画(する)s for a London float of 適用するd 栄養, the sports health brand he 設立するd in 2014.

Tracksuit 大君 Ashley (pictured) this week 開始する,打ち上げるd a 企て,努力,提案 to buy the whole company in a 取引,協定 that would value it at £83m.

Premium Bonds winning numbers for October 2024 - see all the prizes from £1,000 to £1m and

Have you won one of this month's major prizes? Our (米)棚上げする/(英)提議するs show all the £1,000 to £1m 勝利者s. You can also look up the 勝利者s for the past 12 months and tap in your 社債 numbers to see how の近くに you were to winning.

House prices rise at fastest pace for more than two years

House prices rose at the fastest pace in more than two years, によれば the 最新の 人物/姿/数字s from 全国的な. It means the 普通の/平均(する) house price is now 概略で 2% below the 史上最高s 記録,記録的な/記録するd in summer 2022.

いっそう少なく than a 4半期/4分の1 of people are planning to move to a smaller or cheaper home in older age, with cost and attachment to their 存在するing home the main 推論する/理由s.

The 政府 確認するd that rented 所有物/資産/財産s in England must have an Energy 業績/成果 証明書 of 'C' by 2030 - but bringing homes up to code can be expensive.

How to protect your finances before the Budget (and what to avoid): This is Money podcast

With one month to go before the 予算 - what should we be doing to 準備する? Give your money away, stick it in an Isa, use up your 十分な CGT 控除, up your 年金 出資/貢献s... or just やめる the country? This week, Georgie 霜, Simon Lambert and 物陰/風下 Boyce take a look at last minute 財政上の planning ahead of the new 政府's first 予算 on 30 October.

They 投資する only a tiny 割合 of their £2trillion of 資産s in UK 株. This raises the question of whether they should be encouraged to do more, and if so, how?

投資するing 専門家s say 在庫/株 pickers shouldn't just look to online darlings and a number of bricks and 迫撃砲 stalwarts have 回復するd.

REVEALED: Pensions are in Rachel Reeves' crosshairs in Labour's first budget, but she

Insiders say that 政府 公式の/役人s 認める last week to 存在 動揺させるd by the 規模 of the fury 原因(となる)d by 労働's 決定/判定勝ち(する) to 削除する winter 燃料 支払い(額)s. によれば a 財務省 source, 大臣s 'hadn't factored in just how angry people would be'. 直面するd with a furious army of pensioners, 産業 insiders 推定する/予想する the (ドイツなどの)首相/(大学の)学長 to be more 警報 to the strong emotions that come from tinkering with people's 退職s. But that won't stop Rachel Reeves from touching 年金s 完全に. The 合意 の中で the 年金s 産業 is that they are too rich to leave untouched in the first 労働 予算. Half a dozen of Britain's 主要な 年金 専門家s who are in 正規の/正選手 会談 with 政府 and 財務省 公式の/役人s ahead of the 予算 all agree - 年金s are in the crosshairs.

My friends keep 説 it's hopeless to put money away for the 未来. Part of me thinks they are 存在 irrational but then again why should I save when I'll never make enough to have the life I want?

I bought this £2 brooch at a car boot sale - have I snapped up a jewellery bargain? DAN

I bought this brooch at a car boot around 30 years. It was 初めは sold to me as 衣装 jewellery that belonged to a 死んだ family member of the 立ち往生させる 支えるもの/所有者. But I recently dug it out and starting to think I may have something 価値のある. I can see an 18 on the 支援する.

I'm still paying Amex fees for a card I cancelled 17 YEARS ago: CRANE ON THE CASE

I've been an American 表明する 顧客 for years. I 以前 had a Gold card, but cancelled this in 2007 and switched to a British 航空路s 賞与金 加える card.However, I recently discovered the Gold card was never cancelled, and that I have been 告発(する),告訴(する)/料金d the 年次の 会員の地位 料金 for the last 17 years. Concerningly, I have now been told new cards have been sent in the 地位,任命する when old ones 満了する/死ぬd - I believe at least four - and have gone to my old 演説(する)/住所.

研究 by wealth 経営者/支配人 Nutmeg 明らかにする/漏らすs more than half of all people prioritise physical fitness over 確実にするing they have enough put aside.

UK supermarkets are considering scrapping paper price tags in a move that could signal the end of yellow 割引 stickers on 満了する/死ぬing food.

What would a US election victory for Harris or Trump mean for your investments?

Typically, 投資家s can look beyond the 猛烈な/残忍な politicking, but in this 事例/患者 Kamala Harris and Donald Trump have はっきりと 相違する 計画(する)s that could have 厳しい fallout whoever 勝利,勝つs. Given the US's 超大国 status that won't be just on the 国内の 前線. Trump wants to end the war in ウクライナ共和国 but start a 全世界の 貿易(する) war. Harris ーするつもりであるs to 引き上げ(る) 法人税s, creating a 抱擁する 可能性のある 攻撃する,衝突する to the 収入s of 塀で囲む Street 巨大(な)s that sit in almost all 大臣の地位s. Here, 最高の,を越す 投資するing 専門家s 申し込む/申し出 tips on how best to 掴む new 適切な時期s, or 保護する your 資本/首都.

投資 基金 T. 列/漕ぐ/騒動 Price US Structured 研究 公正,普通株主権 might have a rather unwieldy 指名する, but 投資家s shouldn't be put off.

Raspberry PI may have started out as a classroom computer 道具 provider, but it has 支店d out into everything from cloud 計算するing to AI.

For her next trick... how the Chancellor could make debt seem to disappear - as millions

Rachel Reeves is 始める,決める to follow the example of previous (ドイツなどの)首相/(大学の)学長s by changing the いわゆる '会計の 支配するs' - the 政府's self-課すd 限界s on 負債 and borrowing. The 会計の 支配するs have been changed six times in the past nine years alone, 公式文書,認めるs Lindsay James, 投資 strategist at wealth 経営者/支配人 Quilter.

A 71% 増加する in (弁護士の)依頼人s using their 十分な 年次の allowance is 報告(する)/憶測d by Hargreaves Lansdown, and a 64% jump is 特記する/引用するd by Interactive 投資家.

Best stocks & shares Isas: Pick the right investment account

Choosing the 権利 DIY 壇・綱領・公約 is 決定的な but a wealth of choice and a variety of 告発(する),告訴(する)/料金s can leave 投資家s scratching their 長,率いるs. We 選ぶ some of the best. We 選ぶ some of the best. We also 最高潮の場面 why 投資するing in an Isa makes sense, as it should 保護する your hopefully growing 投資s from 税金 forever.

直す/買収する,八百長をするd mortgage 率s are continuing to 落ちる 支援する from their summer 頂点(に達する), with a number of 直す/買収する,八百長をするd 率s 取引,協定s now いっそう少なく than 5 per cent.

If you are planning on 投資するing, or just want to know more, we tell you the 10 必須の things to consider for a successful buy-to-let 投資

This is Money takes a look at all of the 必須の things you should know about.

We asked 信用d 専門家s to recommend the best 基金s that cover different 投資 部門s - and 含むd This is Money's 選択 of active and passive 選択s too.

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