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ISAs & tax-free savings

Archives for April 2007

share isa
I am about to invest my annual allocation of 3k into a mini cash isa,which is fairly straight forward,however,i'm not so sure about how i go about investing the remaining allowance of 4k into the stocks & shares isa,& who is the best provider,would it be a building society or some independant place? many thanks
Calculating interest - help.
Hi, Could anyone point me in the right direction as to how to calculate interest on the NS&I Direct ISA? I need to know how to calculate the interest accrued on £3000 between April 07 to Jan 08. Also, is their a way to calculate the interest on a daily basis because my deposits into the ISA have been staggered. Thanks
Lloyds TSB mini cash isa - Re-apply ?
Have just got my Cash ISA statment. Completely forgot to invest last tax yr, so the last time i put anything in was in 2005/2006 tax yr. This yr putting in max of 3K, but just looked at the end of the statement in tiny print and it says "due to HM customs rules, if i haven't paid any money in since april 2006, need to…
Lost Barclays Isa Application Cheques
Having read some of the other posts I felt compelled to start a new board for those who have applied recently for Barclays Cash ISA this year or last year and found that their cheques have gone missing like myself. Floating off into thin air. I am just fortunate in that my application form wasn't and following a line of…
how long to open an Abbey ISA?
i applied online a week or more ago but haven't received anything yet. how long does it normally take?
ISA Advice Needed
Hi All I have recently received my first annual interest from my Direct Mini-Cash ISA with Kent Reliance that I chose from looking through this site. At the time it was one of the best interest rates for a £1 minimum starting requirement. The account roughly amounted to £2000 by the end of the financial year that has…
Have A+L reduced their Premier ISA rate?
I have just had a letter from A+L stating changes to interest rates. In their booklet of rates it states the Premier ISA interest rate as 7% (not 8.1%) from 02/02/07?
too late to switch isa?
hi im currently with NS&I offering a 5.8% gross p.a. /AER, and i saw alliance and leicester at 8.1% http://www.alliance-leicester.co.uk/savings/index.asp?page=prem-ISA&exp=30&cm_mmc=find-_-ptr-_-ec20048000157354textli-_-apply is this a good time to switch? if so, what is the best way to do it. thanks
Paying off Tuition Fees
Hello all When I start uni this October, I plan on putting all my salary from a part-time job (About £240 every 4 weeks, working out at £3120 pa) into an ISA, then paying off the £3070 pa for tuition at the end of the 3 year degree and enjoying a little bit extra from the interest. So, first of all, I'm assuming that…
Best Cash Isa that accepts transfers
Hi, I have cash isas with the Halifax, National Savings and M&S and I want to consolidate to one provider. Can anyone recommend the best cash isa that accepts transfers as I want to sort out this years. Thanks alot
I think I need to change my ISA
I think I need to change my isa. I have £3000 and my partner has £4000 in a halifax saver with a passbook isa. I have just been reading this forum and thought I had better take a look at what interest I am getting and was I surprised it looks like I am only getting 4%. I have not used up this years allowance yet. I am now…
Newbie to ISA's question
Hi everyone, I have decided to open a Cash ISA [the one with the £3K limit]. Now I know I can only open one during the 2007/8 financial year and the monies put in and taken out cannot exceed £3K total. What I need to know is: When my ISA reaches it's end date in April 2008 and I am allowed to start another one. What do I…
Problems with Barclays ISA
Hi I had £3000 in Barclays (10%) savings. I decided to transfer to the new 6.50% ISA I had to transfer it to my current account, which I did and it has been sat there for 2 weeks earning no interest, is it worth making a complaint about interest lost, or will it be taken from the date I applied Any advice appreciated, i…
Just open new mini ISA should I have closed old one
I've just opened the new Barclays cash ISA but haven't closed my current Nationwide ISA although I haven't paid anything into it for this tax year. Will Barclays cancel this when its processed or does it not matter providing I don't pay money into it? Thanks
Have I messed up?
I may have made an error which will cost me a few quid in interest.... hope someone could kindly cast an eye over the story and let me know! :) I successfully opened an Abbey Direct ISA today, and put in place arrangements to transfer my existing A&L ISA into the new account. All good... BUT, the advisor I spoke to…
Transferring vs Saving
Hello everyone, I am new to this board though I have been with MSE for a while. I have a question re ISAs that I think I have worked out from your FAQs but wanted to double check. This is my scenario: I hold two cash ISAs, the contents of which are completely from previous years' subscriptions. I have not opened nor…
ISA...messed up?
Hello, would greatly appreciate some help. My daughter had a mini-ISA with 2K funds subscribed up until she closed it on 10th or 11th of April, reason being she wanted to move all her accounts to a new provider. The 2K was paid in before 5th April, but is she stuck for 2007/08 now? Is she able to open a new ISA for 2007/08…
this years mini cash isa allowance
Hi I know this type of question has probably been asked loads of times before but wanted to double check as im new to all this savings stuff lol! I have £600 in an RBS ISA, my last payment into it was on 28th March 2007, does this now mean that I have a new allowance of £3000 for this tax year but can still keep my £600 in…
partial transfers out of A&L direct ISA (2)
can you do partial transfers out of A&L? i want to transfer some to Abbey and the rest to Ruffler. Ruffler require a cheque, is this normal and will A&L do that? thanks
ISA.... confused
I currently have a MINI ISA with a building society,and have held this for a few years now.Can i or can i not open another mini ISA,i seem to be getting different suggestions.My present Mini ISA is a 90 day notice one.I have £2000 to invest,but may need access to it. thanks

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