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Which ISA for my situation?
Hi guys, I need help. I asked for a loan to pay my brother's tuition fees and also to pay for his monthly expenses and rent (he is an overseas student). I have like £3000 from which I need to take out around £500 or so a month to give him to pay for everything he needs until JUne/JUly when he finishes. The money is in my…
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Isa Confusion!
Hi All, I was hoping that someone out there would be able to clarify stocks and shares isa’s for me (I’m sure you can!). Both my wife and I have invested our full £6,000 (£3,000 each) cash isa allowance this tax year and we are now interested in maybe investing some money in investment funds. I have read on these forums…
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Stocks and Shares ISA
Could somebody tell me the answer to the following: In years following the year you invest iI think Cash ISA's can be transferred from scheme to scheme without losing its ISA wrapper, is this true with Stocks and Shares ie I invest £7k this year in BT Shares and they rise to £8k next year, can I sell them and purchase…
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Check for understanding
Hello, Again i am new and apologises for if this has all ready been posted. AT the end of May 07 i would of managed to save roughly a £1000 (I know its not a lot but i have just started saving) in the Halifax 7% regualr saver. I want to put this into a ISA and then drip feed £250 in each month. Do i understand ISA's…
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Which ISA do we choose??
Me and the OH are coming into money next month, £3000 to be exact. I know its not alot of money. We would like to put into an ISA (We would not be dipping into the account). As we are not clued up on this stuff, what options do we have? We are looking to get the best interest rate.
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What to do with my ISA?
My ISA pays 4.5%ish. There's over £3000 there. Obviously this rate stinks and the ISA needs to be moved so i'm starting to figure out what to do early in time for the new tax year. The only problem is my do not allow you to transfer the ISA to another provider. So what should I do? Should I withdraw all the money and in…
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M&S ISA - new fixed rate option?
Hi everyone I've just had a leaflet from M&S saying they're about to launch a new fixed rate option for their mini cash ISA. I already have a variable rate mini ISA with them, but I have pre-registered to receive details of the fixed rate option when it launches. But in the meantime I just wondered if anyone had any…
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Recession - effect on S & S ISA?
I am a relative newbie to investing (last 9 months only) and am wondering what the effect of a serious UK recession would be on my overseas funds. I feel that there are stormy times ahead for the UK and am considering switching around some funds to take this into account. Also, I feel that I am quite unbalanced in some…
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starting a new ISA... advice please :)
im a little confused about interest, this site told me if you have £3000 in a 5.8% over 3 years you will get £500 back. im sorry if i seem lame but i am a bit new at this my plans so far is to move my savings of £1000 from a 5% APR (taxed) and want to move to the highest tax free 5.8% with aprox £166 a month income to make…
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Next step for my ISA ?
I have a Pearl mini ISA that I took out in 2001 (5 year term) . I can now withdraw it without penalty and it is worth £2274.86-it is adding a daily bonus (can't remember if it's £1.49 or £149 _forgive my ignorance ) Is it worth keeping it there just to gain more ,close it and put the money in another ISA ,take a monthly…
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Having read the stickies, is this right.....
I drop 3K cash in an isa now, and get tax free interest calculated by the day. Then as of april, do I withdraw my interest or can I can put another 3K in the same isa and get tax free on the whole £6k the following year? cheers Eddie
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ISA question
I took out an A&L Direct ISA Issue 2 for the tax year 2005/2006 which had a bonus component that is due to expire end of April this year. I plan to do the following and would like to know from the ISA experts on the board whether it would work. I plan to subscribe to NS&I ISA for the financial year 2006/2007 and use my…
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BARCLAYS ISA - please help!
We decided to put our hard earned savings into an ISA - which we paid in August through Barclays (their ISA seemed just as good as anyone elses and it is our Bank anyhow). So the £3,000 was paid in then, but apart from a normal bank statement which stated the money had been paid to an ISA, we have heard nothing, absolutely…
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Transfer cash ISA to A&L
Hi, Last January I transfered my ISA from Halifax to A&L, recently I have noticed that A&L didn't pay me interest for the first seven days after the transfer took place. I contact A&L and they send me a letter saying: 'Please note the ISA transfer from Halifax was credited to your ISA as at 24 January 2006, however cheque…
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Quick question for highest interest isa's
hello i currently have £1000 in capital one savings, which savings rate is currently at 5%, I have had this amount of cash in for about 3 months but saw today that i can earn 5.8%, tax-free interest on a cash-isa, shall i ditch my already-earned interest and move to the isa imediately? would this be a good idea to start a…
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Diversified portfolio?
I have finally opened an ISA with HL and put £3000 into 4 funds: Invesco Perpetual High Income £1000 Artemis European Growth £1000 Rensburg UK Select Growth £500 Aegon Sterling Corporate Bond £500 What i'd like to know is, have i diversified it reasonably well? And to diversify further where should my next £1000 funds go?…
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rate rise..
hi guys, iam in the process of transfering my ISA to halifax at the mo. however, now that Boe have raised rates, who 'might'be better? are nsandi likley to raise their rates again from 5.5%? is it worth me waiting a week or so?
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what to do with £2000
Daughter has a halifax account due to close 3rd Feb. They have offered another fixed interest 2yr option 5.4% to re-invest but if she doesnt contact them they will just put it in a normal account. She's had £2000 in a 1yr options for the last 2 years but its time for a change as their rates aren't as good as elsewhere. At…
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ISA - Numpty Question ... sorry!
Apologies in advance for a real numpty question! I've searched and searched through this site and can't find the information - so here's hoping someone can quickly put me straight!!!!:o I have just opened my first ever cash ISA (hoorah!) - with NS&I. Assuming this is using my 06/07 allowance - am I correct in thinking I…
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saving wrong ~ not using my isa
:eek: i have been doing it all wrong... i have been using a regular saver (ING) and using my isa to drip feed odd pence in from my current account (natwest ~ online banking) i have just relised (thanks to martins article) i should be filling my isa first :o but i need help... i dont want my isa with natwest the intrest…
