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I'm 45 and was given BAE shares as a child now worth £7,000 - how do I work out capital

I am 45 and have about £7,000 in BAE shares that I have held since I was a child. I have no idea who bought them for me or when. How do I work out the actual gain made? Or should I sell all of the shares and pay 10% tax on the whole amount above the CGT exemption?

The greatest impact of swapping full pension tax relief for a flat rate would be on workers in their mid-40s and under dragged into higher rate tax.

Jamie Oliver is selling three classic cars from his private collection - here's how much

Three classic cars owned by Jamie Oliver are set to be offered to the highest bidder next month as the TV chef clears some space in his extended automotive collection. The motors are a mix of the seventies Essex-boy favourite Ford Capri (left), a rare 1955 Fiat pick-up truck (middle) and a sixties VW Beetle with a bespoke matching trailer. Here's how much they could make when the hammer drops.

Many investors look to exchange traded funds, or ETFs, as a way to easily way to diversify their portfolios - but does the rise of big tech mean that is no longer the case?

The Bank of England recorded 62,000 approvals for house purchases in July, the highest total since the disastrous mini-Budget in late 2022.

Charles Garside had a 55 year career in the toughest newsrooms of Fleet Street. But that was easy next to his struggles with useless pension firms.

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Eurozone inflation falls to lowest level in three years - raising hopes for ECB rate cut

The European Central Bank looks set to cut interest rates again at its next meeting after eurozone inflation fell to its lowest level in three years in August. The bloc faces a familiar inflationary problem to Britain in that while goods inflation is easing, core and services inflation remains too high.

Analysts have tipped Raspberry Pi to achieve FTSE 250 status in the latest shake-up of London markets, less than three months after the computer maker went public.

Home REIT is being wound down amid sizeable debts, the threat of legal action and a probe by the financial regulator.

Lenders may be in the firing line ahead of Rachel Reeves' Budget on October 30 after their profits rocketed last year due to high interest rates.

Rufus Radcliffe will join from ITV, where until April he was a member of the executive committee. In March, STV's current chief executive, Simon Pitts, announced he planned to step down.

Premier Inn owner Whitbread is tipped to benefit from the comeback of UK rock band Oasis fronted by brothers Noel, left, and Liam Gallagher.

Autumn Budget 2024: When it is and what experts predict will happen - from tax rises to

Sir Keir Starmer has laid the groundwork for an increase in taxes after warning the Autumn Budget on 30 October will be 'painful'. Increases to income tax, national insurance and VAT have already been ruled out, making it harder to balance Britain's books.

House prices fell in August, according to the latest figures from Nationwide. The last time prices dropped on a monthly basis was in April this year.

Buy-to-let landlords are being hit by higher interest rates, higher costs and a less friendly tax regime.

How much emergency cash should you keep in retirement?

Retired people are advised to keep far more cash on hand than the three to six months of wages that workers are typically told to put aside for a rainy day. This is because it is easier to recover from financial shocks when you can still earn a salary. For retirees, the decision depends on what you consider essential outgoings and how much you spend on those things, says Hargreaves Lansdown's head of personal finance Sarah Coles.

Due to the Brexit withdrawal agreement, some pensioners living in the EU will still be able to claim the allowance, even if their wealth breaches Reeves' newly imposed thresholds.

You've heard of the Yuppies, the tribe of young, upwardly mobile professionals who arrived in the 1980s. Forty years on, their spiritual heirs are the Henrys.

Jeremy Clarkson's pub spikes interest in Burford property... but what homes could you buy

The opening of Jeremy Clarkson 's pub, The Farmer's Dog, in Asthall near Burford in Oxfordshire, has prompted a flurry of online searches for properties in Burford, according to Rightmove. During the bank holiday weekend, the number of searches for homes in Burford was 63% higher than the same period a year ago, the data suggests. This is Money reveals six properties on sale in or near Burford via Rightmove.

New MG ZS is cheaper than the UK's best-selling Ford Puma by £4k

Chinese-owned MG has taken the covers off its latest family model and confirmed it will be available with a market-leading low price. The all-new ZS has been unveiled this week and has received a sporty overhaul with a new look, hybrid powertrain and more equipment than before.

The new battery and hybrid versions of the forthcoming Frontera SUV will both cost the same amount when order books open in autumn, the company said.

RAC patrol John Walshe has been dubbed a 'hero' after helping to free the boy who had got his head stuck between metal railings while playing with friends in a park near Dublin last week.

My Evri parcel went AWOL... but it's a rare item: Can I make the firm keep looking for it?

I sell vintage signs and other interesting items online. In May this year, a buyer purchased a rare enamel Duckhams motor oil sign with a working thermometer attached for £365. I posted it using Evri's next-day delivery service and paid £7.78. A few days later, I was told Evri couldn't deliver to the buyer's address because of an 'unmade track leading to the property'. A week later, an email arrived from Evri to inform me my parcel had been lost 'somewhere in the network'. I filled in a claim form and 28 working days later was told Evri would refund me £20. But £20 is far less than the value of the item. It is also a rare and unique collectable, and I'd like Evri to keep looking for it.

The left-leaning think tank claimed the prospects were 'even worse' for poorer families, who could lose out if ministers press ahead with benefit cuts set by the previous Conservative government.

More parents are shopping second-hand for uniforms in order to cope with the cost of their children growing out of them and changing schools.

How to shield YOUR savings, property and pension from Starmer and Reeves' Budget of Pain

Like a tornado sweeping across the open plains, a frightening financial storm is hurtling our way. For the prudent, the hard-working and the retired of this magnificent country, the financial consequences are going to be devastating - although if you're quick and nifty, there is still time to batten down some of the proverbial hatches and protect yourself from a maelstrom of tax hikes.

If you think Sir Keir Starmer's warning of higher taxes to come is scary, then take a look at what US vice-president Kamala Harris is planning.

School leavers have a wider range of opportunities to learn on the job than ever before, with big names such as Amazon, the BBC and the Home Office all offering apprenticeships.

Neighbour is having fibre broadband installed under my driveway. Can I stop it being dug

My next door neighbour is having fibre optic cables fitted and the provider needs to dig up my driveway to do so. But the first I knew about it was when I saw my drive marked by spray paint for the place to dig. Do I have any say in what's going on?

For the first time in years, big banks are finally paying top rates on fixed-rate Isas. But, as usual with High Street banks, there's a sticking point.

It is now blindingly obvious to all bar the Chancellor of the Exchequer Rachel Reeves - that a monumental howler has been committed.

House prices will rise 2.5% in 2024 - but glut of properties for sale will limit further

House prices are on track to finish the year 2.5% higher than when it began, according to Zoopla - but sellers are still being warned not aim too high with their asking prices. It marks a more upbeat forecast from the property portal, which predicted at the beginning of the year that prices would fall by 2%.

Attendance Allowance boosts the state pension for retirees that need extra help with a disability or illness, and now it can be accessed online as well as by post.

I want to buy Oasis tickets but I'm worried the gigs will be cancelled: Would I get my

As a lifelong Oasis fan I am over the moon that a reunion is finally happening after Liam and Noel Gallagher healed the rift that was preventing them from ever gigging again. However, these concerts won't take place until summer 2025, and I'm worried the brothers will fall out again before then. If I buy a ticket and the gigs are then cancelled, can I buy insurance to protect myself?

Nvidia sees £100bn wiped off its value even as revenue doubles amid fears the AI bubble is

Hotly-anticipated second quarter figures, released after US markets closed late on Wednesday night, showed profits surging 168% to £12.6bn and sales climbing 122% to £22.8bn. However, shares slipped by as much as 5% in New York yesterday, knocking nearly £120bn off the value of the £2.3trn company.

The energy giant wants to reduce its oil and gas exploration and development workforce by 20% compared to 2022.

Aquis disclosed that full-year results will suffer £1million worth of damage from the non-renewal of a historical contract in its technology segment.

Drax burns wood pellets at its North Yorkshire power station (pictured) and qualifies subsidies on the basis that the process is carbon neutral.

The University of Manchester spin-out told investors on Friday it expects no further orders for its first-generation tech from an unnamed European customer.

I've waited SEVEN months for DWP to pay my carer's allowance: SALLY SORTS IT

I care for my husband who has multiple sclerosis and early onset dementia. He is only 59 years old and is deteriorating. I work part-time in a shop, mainly for respite but the money comes in useful, too. From January 1, I had my hours cut from 15 to ten a week which meant I became entitled to carer's allowance. I applied to the Department for Work and Pensions on February 1, asking for it to be back dated to January 1. I have not received a penny, or any correspondence.

NatWest's new card is aimed at UK customers who go abroad a lot, and will offer rewards on purchases made with the card outside of the UK.

For many first-time buyers, the dream of owning their own home seems out of reach. But there are vibrant UK cities which offer the best chance of taking a step on to the property ladder.

Three of the most HATED motoring policies of the last 20 years - and how drivers have

The last two decades has seen a move to low emission legislation and the introduction of 'smart' infrastructure - and the reaction has been extreme. But which is the most controversial policy? We've scored the top hated modern motoring policies on just how unpopular they are. Do you agree?

House prices near top state schools: Map reveals the premium parents pay in YOUR area

The huge house price premiums some parents are paying to live near top schools has been revealed, with some shelling out hundreds of thousands for a place in the right catchment area. Britons pay an average of £116,000 more to live near an Ofsted 'outstanding' school - but in some parts of the UK the price is much higher.

The service charge on my one-bed flat keeps going up, and I don't think the costs are reasonable. How can I hold the freeholder to account?

The number of people over the age of 60 who are self-employed has reached a record high of almost one million, research suggests.

The tricks one young driver used to slash an astonishing £18,601 off their car insurance

Seventeen-year-old Conner Robinson was proud to have paid for his first car by himself and was raring to hit the road after he passed his driving test three weeks ago. But he was horrified when entering his details on price comparison website Go Compare to see that the only insurance quote available to him - from Insure247 - would cost him £21,601.

Small businesses are still paying more for their energy than they did at the start of the energy crisis three years ago, with further rises in store.

See how much money your nearest low emission zone has generated since launching in the full list of 13 locations currently live in the UK.

Experts reveal eight ways to cut your tax bill and get rebates you could be missing out on

Millions of taxpayers face record bills as thresholds and allowances remain unchanged for years, dragging rising numbers into the tax net. HM Revenue & Customs collected £82.5 billion last month - the highest ever tax haul for the month of July. Workers paid £32.7 billion in income tax - also a record for July - and families paid £749 million in inheritance tax - the second highest month on record. So, it is worth ensuring that you are paying no more than you need. There are many ways to significantly reduce your tax bill that aren't well publicised. You could be missing out on tax rebates or paying higher bills than necessary unless you know about these tax-saving tricks.

My financial adviser told me I could take an enhanced 33 per cent and not the usual 25 per cent - I think due to when I first took out the policy.

My son has health issues and is on benefits: How can I leave him money without him having

My son has health problems and lives on benefits. I am wondering whether I can or should put the money that would otherwise have gone to him into a trust, asking that the trust buys a home for him to live in rent-free but that after his death, the ultimate beneficiaries are the grandchildren.

Undervalued and up for grabs: The high-yielding British shares 20% cheaper than overseas

Dividends are not unique to this country, but they are a notable feature of the UK stock market that continues to make it attractive to many income-seeking investors. Sexy? No. Racy? No, no, no - especially when compared against tearaway US tech stocks that can provide patient investors with juicy long-term returns as long as they are prepared to participate in the stock market's extreme version of snakes and ladders (sharp falls and steep climbs). But like a cup of hot chocolate late at night, dividends provide comfort - a regular stream of financial return - to counter the volatility of equity investing. Of course, a lethargic UK economy, and for that matter a benign global economy, are not ideal for generating company dividends. On the upside, UK Gross Domestic Product figures released a few days ago did confirm 0.6 per cent growth during the second quarter of this year.

Still at the golf course? Worklessness among the over-50s hasn't budged since Jeremy Hunt told them to put down their putters and get back to the office.

Andrew Lloyd Webber is behind some of the best-known musicals of modern times. Along the way, he has amassed an estimated fortune of £800m.

Gold hits new record high above $2,500: What is driving the price and how do you invest?

The gold price hit an all-time high of $2,531.60 an ounce on Tuesday on anticipation of a run of US interest rate cuts before the end of this year. The prospect has excited 'goldbugs', who are perpetually bullish about the precious metal. More sceptical investors are also alert to gold buying opportunities after a jump in its value of more than a fifth since January.

My mother-in-law's debit card was stolen in the supermarket and thieves took out cash:

In July, my mother-in-law who is in her 80s was shopping in Aldi when someone stole her purse. Aldi has it on CCTV, the police attended and she has a crime number. The bank has refused to reimburse her as her Pin was used at the cash machine. It says she must have enabled the thieves to get it, and this was 'gross negligence'. I think Halifax has acted unfairly and should pay her back, as this wasn't her fault. She was saving for a holiday and now can't go

Have YOU received a DWP letter about underpaid state pension? It's vital to reply, says

The sums due could range from a few pounds to more than £100,000 - but unless recipients come forward they will never find out and the Government will keep the money. 'In thousands of cases, the person who was underpaid is sadly no longer with us, but their heirs should still benefit,' says This is Money's retirement columnist Steve Webb .

Fastest-selling cars of 2024 revealed: Quickest takes less than a fortnight while the

According to the nation's biggest used car marketplace, the quickest-selling model in the first half of the year was a French hybrid crossover that - on average - is advertised for less than a fortnight before a buyer is found. On the other hand, if you own a particular exotic model from Italy's greatest supercar brand, expect it to be sat in your garage for almost half a year before an interested party takes it off your hands.

Hyundai won't process a warranty claim for a blown-up engine because the car was serviced thousands of miles later than recommended. What are the rules?

Some 31% of 18-26-year-old drivers have recorded themselves and more than half of these have subsequently uploaded the content to social media for likes.

Best stocks & shares Isas: Pick the right investment account

Choosing the right DIY platform is crucial but a wealth of choice and a variety of charges can leave investors scratching their heads. We pick some of the best. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

If you are planning on investing, or just want to know more, we tell you the 10 essential things to consider for a successful buy-to-let investment

Fixed mortgage rates are continuing to fall back from their summer peak, with a number of fixed rates deals now less than 5 per cent.

If you are interested in buying shares or know more about unearthing good companies and valuing them, read our guide to share investing.

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

Premium Bonds Winners

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£100,000 Kent £100
£100,000 Hertfordshire £47,000
£100,000 Gwent Valleys £15,000
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£100,000 Devon £500
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