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Stocks and shares ISA - keep or close?
A few years ago my boyfriend opened a stocks and shares ISA. It was my idea really. He didn't have any savings accounts at the time, so I got him to open a cash ISA. But he has more spare money than a cash ISA allows so I got him to open a stocks and shares ISA too. I thought it would be better than a normal savings…
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Quick clarification re. ING Direct isa
Hi everyone, I've been reading all of the savings articles to decide the best place to start saving for the first time. I have £1k to save immediately and can pay in a small amount monthly as well, and after looking at the options available to me (eg isa, rs etc) have pretty much decided to opt for the ING Direct cash isa.…
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Intelligent Cash ISA
Hi. I have finally decided that I'd like to try the IF Cash ISA. I just had a quick read through their conditions and come across this on p43... I have already added my full £3,600 to my current C&G ISA account. Does this mean I cannot sign up to the new account with IF? If so, am I going to encounter the same problem with…
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ISA Question
I opened an Abbey e-ISA for this tax year, but haven't paid into it yet and have had loads of problems with it (they got my surname and NI number wrong, despite me filling in the online form correctly, and every time I log onto online banking it says it's unavailable, which is a bit inconvenient for an e-ISA!) Can I close…
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Alliance and Leicester
Hi all, I'm thinking of moving last years isa to Alliance and Leicesters fixed rate ISA 3% and opening this years ISA with them as well fixed at 3% does this sound like a good idea? My Nationwide isa from last year is now sitting in an ISA earning only 0.25%. thanks
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New to ISA
Hi all, I hope that you can all help. I have been saving for the last year £100 pm in the halifax child saver. The account is due to end next month and I am know looking to put the money away in an ISA for a year and add to it. i have never had a isa before and I am looking at so many products I am really confused (does…
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My timing sucks - what should I do?
At the end of last month I decided to do something about the rubbish rate I had on my Intelligent Finance ISA (0.6%), so I applied for a Standard Life one at 2.65% with a view to transferring my funds across. The Standard Life ISA has a 14-day change-your-mind policy, and 15 days after my account was opened, Intelligent…
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Abbey ISA query
How do you go about opening an Abbey ISA (which needs 9k min) in the following circumstances, please? I have not used this year's 3.6K and was going to open an M&S ISA with this, and then transfer my other year's balance from my poor NS&I ISA. How do you open the Abbey 9K account and transfer out and also use this year's…
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R85s & moving abroad...
Does anyone know, if you are registered as a non-taxpayer using an R85 and then move abroad, do you need to de-register the R85 and fill out an R105 or can you just carry on withour doing anything? Thanks Az
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Best ISA for Transfers In.....
Hi guys I have an ISA with Principality at the moment with £21k in there. Current rate with them is 1.8% :( Seems the top ISA's for transfer in are Abbey and Lloyds (I have my account with Lloyds and a Mortgage with Abbey). Wondering if anyone can tell me the pro's and con's of Abbey vs Lloyds or are there any other one's…
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Natwest Eisa interest question
Hi my Eisa finally transfered in to my Natwest account and took 2 months in total. My question is about the interest. The cheque was sent from my previous provider on the 5th June and was paid into my new Natwest account on the 18th June. I rang natwest and they said this was normal; Is it? They must have got the cheque by…
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Transferring ISA
I'd like to transfer my wifes ISA. I'm thinking of either Intelligent Finance or Standard life or the Newcastle BS. Anyone had any dealings with transferring to any of these banks. I know I am covered by the compensation but is there any issues with these bank that I am unaware of. Thanks.
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How Much Can I Save Tax Free?
What are my options for tax free saving? I want to know all the options. ISA's, foreign accounts, etc. How does it all work and where do I start? Thanks, Stojio
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LLoyds Fixed Rate to end this week.
I have just applied for a LLoydsTSB Fixed at 3%. Whilst there I was told that I had just got in in time as this deal is about to end.
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Stay with the ISA, or transfer to another account - how to calcuate which is best?
Hi everyone - my head is in a spin trying to work something out and I'm wondering if anyone here can help?! I've currently got £3200 in an M&S isa which as we all know has dropped to 2.45%. Looking around I see the regular savers, the Lloyds vantage, halifax international and the like and I wanted to calcuate which would…
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Northern Rock Fixed Rate 3.25% withdrawn ?
Has issue 109 been withdrawn now ? I was just looking to set up a 3.25% fixed rate for 1 year.
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Transfers in to First Direct cash ISA - SLOW!
I opened a 2009/2010 Cash ISA with First Direct in April and deposited the maximum allowable amount of "new" money, i.e. £3600. I also sent them forms requesting the transfer in of four separate cash ISAs from previous years, held by different providers. These four banks all sent me letters at least a fortnight ago,…
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ISA vs Savings in Offset Mortgage
Can anyone help resolve this issue please :confused: We have an offset tracker mortgage with Intelligent Finance currently paying a rate of 1.79% (great rate I know) Is it worth me & other half using our ISA allowance and taking money out of our savings pot with Intelligent Finance to earn more interest elsewhere - my…
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C&G cash ISA replacement?
I've just got my first job and am now in a position to make full use of cash ISA. I currently have a standard cash ISA with Cheltenham and Gloucester, but, after checking my interest rate, it looks as though I may be getting a bit of a raw deal. It looks as though I am getting a rate of 0.05% (sorry can't post link)... am…
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Can you put overseas stocks in an ISA?
Hi, Can I put overseas stocks in my ISA? and if I do this are they still tax free? I read that if you buys stocks on a foreign exchange then you are subject to the tax regime of that country - is that true and how does it apply to my ISA? many many thanks