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Last updated: 11:21 BST, 22 September 2024
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How buy-to-let landlords selling up can recoup capital gains tax AND boost their pension

It has been 示唆するd that the (ドイツなどの)首相/(大学の)学長 will look に向かって CGT as part of her 企て,努力,提案 to fill a £22billion 穴を開ける in the UK's 財政/金融s - which is a worry for landlords selling their 所有物/資産/財産s. However, they could consider 支払う/賃金ing the proceeds of their sale into a self-投資するd personal 年金 to claw 支援する their CGT loss.

The 政府 is raking in ever-higher sums because frozen thresholds and the 所有物/資産/財産 price にわか景気 mean more 広い地所s are becoming liable for the 税金. Will you need to 支払う/賃金?

Sell on Vinted... and invest the profits! How to kick-start a nest egg with old clothes

Cash earned from selling old 着せる/賦与するs could help young people get started with 投資するing, によれば Lloyds Bank. 研究 by the bank 示唆するs that its 顧客s 老年の between 18 and 25 who used Vinted make だいたい £25 per month from selling on the 壇・綱領・公約. Lloyds has run the numbers on how much young people could make if they took some of their Vinted 利益(をあげる)s and 投資するd them month by month.

In my 30 years 令状ing a column for The Mail on Sunday I've とじ込み/提出するd more than 5,000 報告(する)/憶測s. Here are 20 of the most 驚くべき/特命の/臨時の examples in my Readers' 支持する/優勝者 事例/患者 とじ込み/提出するs.

Could you stump up £43,100 a year without 収入 another penny? No, neither could I. Yet, the 年金s 産業 見積(る)s that this is how much someone needs for a comfortable 退職.

On this special episode, Sir Steve Webb, ex-年金s 大臣 and This is Money 退職 columnist, joins Georgie 霜 and Simon Lambert to answer your questions.

We've had everything from dog poo 捕らえる、獲得するs to an old radiator put in there. What can we do to stop this?

SAVE MONEY, MAKE MONEY

5.09% on cash for Isa investors

投資するing 上げる

5.09% on cash for Isa investors

投資するing 上げる

5.09% on cash for Isa 投資家s
Includes 0.88% bonus for one year

Cash Isa at 4.92%

Includes 0.88% bonus for one year

Cash Isa at 4.92%

含むs 0.88% 特別手当 for one year
No account fee and free share dealing

解放する/自由な 株 申し込む/申し出

No account fee and free share dealing

解放する/自由な 株 申し込む/申し出

No account 料金 and 解放する/自由な 株 取引,協定ing
Flexible Isa that now accepts transfers

4.84% cash Isa

Flexible Isa that now accepts transfers

4.84% cash Isa

< span>柔軟な Isa that now 受託するs 移転s
Get &pound;200 back in trading fees

取引,協定ing 料金 refund

Get &pound;200 back in trading fees

取引,協定ing 料金 refund

Get &続けざまに猛撃する;200 支援する in 貿易(する)ing 料金s

(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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MIDAS SHARE TIPS:?Give your portfolio a power boost with mineral miner Sovereign Metals

Lithium is a 批判的な 成分 of the 殴打/砲列s that 力/強力にする most electric 乗り物s. But they also need グラファイト/黒鉛, and today, more than 80 per cent of the world's グラファイト/黒鉛 is 地雷d and 過程d in 中国. This is a problem. Last year, for instance, 大統領 Xi Jinping 抑制(する)d グラファイト/黒鉛 輸出(する)s on the grounds of 国家の 安全 and the US 答える/応じるd by 課すing a 25 per cent 税金 on all Chinese グラファイト/黒鉛. The 税金 was designed to encourage 探検 どこかよそで and 君主 Metals is one such explorer.

Rolls is の近くにing in on 契約s to build 小型の 核の 力/強力にする 工場/植物s in Sweden and The Netherlands.

Since 1913, when a 続けざまに猛撃する was a gold 君主, prices have gone up nearly 100-倍の - the Bank of England has a nifty インフレーション calculator.

Many British brands have tried to break America and failed - but Cowling believes a 焦点(を合わせる) on airport 出口s is 重要な to success.

With his brother Zuber and 私的な 公正,普通株主権 group TDR 資本/首都, Mohsin 支援するd a £6.8 billion buyout in 2022 that saddled Asda with 抱擁する 負債s.

Antonio Simoes said savers needed '安定' to 納得させる them to lock their money away for the long 称する,呼ぶ/期間/用語.

Montenegro is becoming a magnet for luxury property - and Lustica Bay shows off what it's

位置を示すd 20 minutes from Tivat Airport, which itself is いっそう少なく than three hours from London, Lustica Bay will soon be home to 6,000 居住(者)s and is 始める,決める for a 観光旅行,事業 爆発 - can it be a good 位置/汚点/見つけ出す to 投資する in 所有物/資産/財産?

Toyah Willcox has made waves as a singer in a career 継続している almost 50 years. She has made several number-one albums and 嵐/襲撃するd the charts in the Eighties with (テニスなどの)シングルス.

End of the road for the car CD player - no new models now sold with them as the last car

An entertainment system that's been a feature in cars for 40 years has now disappeared from new models - and plenty of drivers will be angry about it. The Subaru Forester SUV had been the last model to 申し込む/申し出 the old-hat 科学(工学)技術 as 基準. However, an update in 2024 has seen the Japanese brand 溝へはまらせる/不時着する the feature in favour of the 最新の system.

EXCLUSIVE

The 除去 of loadbearing 塀で囲むs and 取り付け・設備 of new windows overlooking 隣人s were the most ありふれた 作品 undertaken without 許可s in place.

倉庫/問屋 労働者s 最高の,を越す the 名簿(に載せる)/表(にあげる) of 職業s with higher costs - with their 普通の/平均(する) £1,371 almost 40 per cent more than the 普通の/平均(する) £984, the findings 示唆する.

ORBIS GLOBAL CAUTIOUS FUND offers a safe haven in an increasingly dangerous world

If you want to feel 安心させるd about the 見通し for the world over the next 10年間, a conversation with Alec Cutler is probably not to be recommended. Alec, who has been co-managing Orbis 全世界の 用心深い 基金 since 2019, sees a litany of dangers on the horizon. But, if you are 捜し出すing some safety まっただ中に whatever lies ahead, his £111million 基金 is designed to 申し込む/申し出 投資家s 正確に that.

Three 4半期/4分の1s of 年金 savers have never heard of 'lifestyling', the derisking 戦略 that has left many sitting on 投資 losses at 退職, new 研究 shows.

設立するd by a couple of West London go-getters in 1992, Warpaint produces affordable cosmetics, 一般に sold for about one-fifth the price of upmarket 同等(の)s.

Interest rates held at 5%: What it means for your mortgage and savings

The Bank of England held base 率 at 5% today, as it 選ぶd not to 削減(する) にもかかわらず the US 連邦の Reserve's big move 負かす/撃墜する. We explain what the Bank of England's 決定/判定勝ち(する) to stick at 5% means for your 財政/金融s - and whether 率s will be 削減(する) again soon.

The last time the 消費者 信用/信任 索引 拒絶する/低下するd so steeply was in April 2022, in the wake of Russia's 侵略 of ウクライナ共和国.

Change is on the menu for McDonald's, Starbucks and the other players in the 急速な/放蕩な food market. There could be 利益s for your 大臣の地位 if these 商売/仕事s can 逆転する the 拒絶する/低下する in 需要・要求する.

Most popular Steve Webb columns on private pensions: The 12 hot topics

This is Money columnist Steve Webb receives many questions about 私的な 年金s. We've 収集するd his columns on 12 frequently raised topics - 含むing finding lost 年金s, rogue 雇用者s, starting to save late in life, and more.

Americans love their 星/主役にする-Spangled 旗,新聞一面トップの大見出し/大々的に報道する, the French are obsessed with 国家の pride but we Brits have a patriotism problem. 不本意 to recognise our strengths 延長するs to the UK 株式市場.

Gen Z workers neglect pensions to cope with daily costs

More than half of Gen Z 労働者s have stopped 支払う/賃金ing into their 年金 during their short career as they struggle with daily expenses, によれば 研究. Some 21% of youngsters said they are 現在/一般に saving nothing に向かって their 退職, data from 新規採用 会社/堅い Robert Walters 明らかにする/漏らすs, while 51% have paused their 出資/貢献s at some point.

FCA boss Nikhil Rathi sounded the alarm over 増加するing 財政上の vulnerability の中で 十代の少年少女s, with 8% of 13-16-year-olds 持つ/拘留するing cryptocurrencies.

I 報告(する)/憶測d the broken buggy at the airport, yet now I've been told I was given the wrong (警察などへの)密告,告訴(状) and should have filled out an online form too.

Majority of drivers still can't afford EVs despite the arrival of cheaper models

Two thirds of car 買い手s (65%) told 自動車 仲買人 they ーするつもりである to spend no more than £20,000 on their next 乗り物 - a 予算 which puts most new 殴打/砲列 models far out of reach. によれば its 最新の 報告(する)/憶測, the median 小売 price of a new fully electric car is £51k; 31% higher than a new 石油 or ディーゼル model. As a result, more drivers are turning to hybrid cars as a greener 選択. However, more affordable EVs are in the pipeline, starting this year with the 開始する,打ち上げる of the sub-£15k Dacia Spring (inset 最高の,を越す) and £22,000 Citroen e-C3 (inset 底(に届く)).

The world's biggest sportswear group said John Donahoe will stand 負かす/撃墜する as 大統領,/社長 and 長,指導者 (n)役員/(a)執行力のある next month.

Should my brother and I buy our 91-year-old mother's house - is there tax to pay?

My mother at 現在の is 罰金 and 井戸/弁護士席. Would there be any repercussions if my brother and I were to buy her house, which is 価値(がある) だいたい £180,000, and she has about £20,000 in the bank. We are just trying to think ahead in 事例/患者 she has to 結局 go into a home. I know she is 井戸/弁護士席 under the £325,000 for 相続物件 税金. Lawyer Ben Tyer, pictured, of SAS Daniels replies.

Many more savers will be 軍隊d to 支払う/賃金 貯金 税金 as 利益/興味 率s have risen and people 攻撃する,衝突する their 税金-解放する/自由な 限界.

Savers' cash マリファナs have been eroded over the last two years by high インフレーション, but now 1,606 貯金 accounts 支払う/賃金ing an インフレーション-(警官の)巡回区域,受持ち区域ing 率.

The 15 towns getting a banking hub - is YOUR area next to get one?

As 支配するs 保護するing 接近 to cash come into 軍隊 today, 15 towns will see new banking 中心s open within 12 months. The 場所s are spread across England, むちの跡s and Scotland, from Newquay, Cornwall to Huntly, Aberdeenshire.

If someone gives you 力/強力にする of ?弁護士/代理人/検事, it means you have a 合法的な ?文書 that 許すs you to organise their 財政上の 事件/事情/状勢s when they are no longer 有能な.

HMRC has failed to do enough to make online 販売人s aware that they may need to start とじ込み/提出するing a 税金 return and 支払う/賃金ing 税金, says the Low Income 税金 改革(する) Group.

Millions could be caught out by little-known AI voice imitation scam - and one major bank

A 悪意のある 発言する/表明する cloning scam is on the rise, but almost half of people have never heard of it. Over a 4半期/4分の1 of people say they have been 的d by AI 発言する/表明する cloning scams at least once in the last 12 months.

Fast fashion firms spark audit woes for Mike Ashley

Auditors at Cooper Parry were unable to 立証する nearly £7 million of 給料 and salary 支払い(額)s at I Saw It First, which was bought by Frasers Group for £1 in July 2022. And Hart Shaw, auditors for Choice, which Frasers Group bought from JD Sports at the end of 2022, said 決定的な (警察などへの)密告,告訴(状) needed to 完全にする their work was 行方不明の. The audit problems have 誘発するd fresh 関心s over 法人組織の/企業の governance 基準s at entrepreneur Ashley's 商売/仕事.

Tying the knot in India - one of the FTSE 100 drinks 巨大(な)'s fastest-growing markets - is often a 抱擁する 事件/事情/状勢.

The ultimate guide to Labour's rental reforms: New rules on pets and how to dodge a

Landlords are を締めるing for another 猛攻撃 of 規則, 料金s and 制限s which could 攻撃する,衝突する 利益(をあげる)s and strangle their 投資s with red tape. Neel Patel (pictured), who has 15 所有物/資産/財産s in London, is 関心d by several 問題/発行するs in the 法案, 含むing the 規定 that he cannot unreasonably 辞退する pets.

SALLY SORTS IT: David Lloyd has hiked my gym fees by £900 - and wants an extra £756 to

When my 年次の 会員の地位 at the David Lloyd fitness club (機の)カム up for 再開 in June, I was 知らせるd that my 料金 would rise by 67pc from £1,335 to £2,232. I wasn't happy, but reluctantly agreed to the new price and believed I would have the same 接近 as before. I paid upfront as that is cheaper than 支払う/賃金ing 月毎の. But when I went online to 調書をとる/予約する a tennis 開会/開廷/会期, I was told I was no longer a racquets member. I complained and was told that 追加するing tennis and the spa would cost another £756 for the year.

After a dismal period of 拒絶する/低下する, the department 蓄える/店 and Waitrose owner last week said it is on course for 意味ありげに higher 利益(をあげる)s this year.

More than one in five vehicles FAILED their MOT last year - here's six little-known

Some 9.9m out of the 43.7m 実験(する)s 行為/行うd in 2023 were 不成功の, によれば 分析 of 政府 人物/姿/数字s by the RAC 創立/基礎. 乗り物s can fail the 年次の roadworthiness check-up for more than 600 different 推論する/理由s - we 明らかにする/漏らす the most obscure that you probably didn't know could stop your car passing and cost you money to put your モーター through another 実験(する).

STEVE WEBB on the lessons This is Money readers could teach Pensions Ministers...

Steve Webb answered his 400th reader question this week. 'I think it should be compulsory for every 年金s 大臣 to read through my This is Money inbox every week to get a better understanding of the 面s of the 年金 system which 混乱させる, 怒り/怒る and 失望させる people,' he says. Based on what he's learned, Steve has come up with four things the 政府 and 年金s 産業 should do to 改善する the system...

When I first 申し込む/申し出d to answer readers' questions on 年金s, little did I realise that I would still be going eight years later, says Steve Webb.

I've been told by the DWP my late mother is 借りがあるd five years' 価値(がある) of 年金 credits. Would this form part of her 広い地所 or be paid direct to next of 肉親,親類?

Is Ducati's new £30,000 Panigale V4 S the best sports bike on the planet? We test it to

It's the closest riders can get to buying a 十分な-血d race bike from a showroom with a number plate and 指示する人(物)s, and then 合法的に using it on the road. The cost is 同等(の) to that of a new Mercedes-Benz A-Class - one of the more luxurious family hatchback cars on the market with enough room for a five people and their luggage, a lavishly-finished 内部の and bundled with heaps of gizmos. It means this two-wheeled ロケット/急騰する needs to 申し込む/申し出 unparalleled 業績/成果 to 令状 such a 法外な price tag.

As the proud owner of a 1967 勝利 Spitfire, I'm part of a growing demographic of women taking to the wheel of vintage モーターs.

This sleek and sporty hi-tech Cyberster GT is proof 肯定的な that the 伝説の British MG brand still carries affection in the UK and beyond.

Money experts warn of TEN Budget moves that could come back to bite you

無分別な moves could 本気で backfire, some of them leaving you far worse off than if you'd left things alone, say Sarah Coles and Helen Morrissey of Hargreaves Lansdown. Endless 憶測 has 説得するd an awful lot of people they need to take 活動/戦闘 now, to 保護する themselves from whatever the 予算 on 30 October 持つ/拘留するs in 蓄える/店, they 警告する.

Recently, our peace and 静かな has been destroyed as our new 隣人s have a young teenage son who spends hours kicking a football against the 盗品故買者.

Is your work pension any good? How to check your funds and build up your pot

You are far more likely to be better off in 退職 if you take an active 利益/興味 in your work 年金. Those you 蓄積する over your working life can become a very 価値のある 資産 - usually second only to your home, should you own one. The money you put in is topped up the 政府 in any 年金, but by your 雇用者 同様に if it's a work 年金.

50 of the best funds and investment trusts: Our experts reveal their top ideas

投資家s are spoilt for choice when it comes to deciding on 基金s and 投資 信用s that can put their money to work. 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.

普通の/平均(する) 所有物/資産/財産 prices continued to rise in the year to August, but the pace of growth has 冷静な/正味のd, new data from the ONS 明らかにする/漏らすd.

This 傾向 was 特に pronounced の中で 商売/仕事s with between 150 and 249 従業員s, where 41 per cent have 増加するd their bending of the 支配するs.

Bank of Mum and Dad are battling to retrieve loans from children's exes, warn lawyers

関係 決裂/故障s can lead to 衝突 over money 手渡すd over not only to buy homes, but to 支払う/賃金 for weddings and even fertility 治療s, によれば a 法律 会社/堅い. Sky-high house prices have led many families to give 貸付金s or gifts to adult children to help them get on the 所有物/資産/財産 ladder, which can lead to problems if they have partners who 与える/捧げる either いっそう少なく or nothing to the 購入(する). But you can put 対策 in place to 保護する your money and get it 支援する in 事例/患者 they 分裂(する) up later, which lawyers explain here.

The 所有物/資産/財産 名簿(に載せる)/表(にあげる)ing 巨大(な) said the 0.8 per cent 月毎の jump in asking prices was 二塁打 the long-称する,呼ぶ/期間/用語 普通の/平均(する) for September.

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.

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

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 利益/興味d in buying 株 or know more about 明らかにするing good companies and valuing them, read our guide to 株 投資するing.

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

賞与金 社債s 勝利者s

Prize Area Value of 社債
£1,000,000 West Sussex £18,101
£1,000,000 Manchester £10,000
£100,000 Kent £5,000
£100,000 Stockport £38,000
£100,000 Oxfordshire £700
£100,000 Wiltshire £24,000
£100,000 West Sussex £4,000
£100,000 Devon £1,000
More September 2024 勝利者s
見解(をとる) 名簿(に載せる)/表(にあげる) of September 2024 勝利者s
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