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One provider for funds and shares
Hi Apologies if this has been answered before but I have searched the forums and cannot find the answer. I am looking to invest in the self select ISA for shares and also the ISA for funds (are they the same thing?). I am looking for a provider/discount broker that will allow me to hold the money in one place and allow me…
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cash isa - may be a stupid question
I have a cash isa with ing, I managed to save approx £2000 in it last financial year ie. before 5th april 2007. If I leave the money in there will it continue to earn interest this year or am I only allowed to earn interest on money put in during each financial year? it might be a stupid question, but googled it and…
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Help with ISA and Unit Trusts
I have been going through investemebts recently and trying to improve them. The latest ones are; My wife and I's ISA into which we pay £200 per month each, and have been doing so since July 06, and My childrens Unit trusts, into which they pay £100 per month each and have been since 12/06. The children are 12 and 14. The…
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isa checks
If you open a isa with the bank you have your current ac with can the isa center ask or have access to your bank current ac details just because its the same bank Just wondered as they might refuse you a isa if they can see your ac details thanks
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'ISA Newbie' - Questions
OK stupid questions coming... I know nothing about ISA's but I was looking on the Halifax website and they have this 'ISA Saver Direct' thingie Is this like a savings account? Can I pay in a few pounds each week? (maybe £2 one week and £6 the next) until my account reaches £3k? I'm thinking of opening one this week as I'm…
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Paying into a third-party's ISA
Hello all, My first post here so be gentle please! I consider myself pretty well clued-up on ISAs, however, there is one aspect which is puzzling me. If I subscribe to a mini cash ISA held by myself in a given tax year, I know that I cannot subscribe to another ISA of the same type in the same tax year, but does that mean…
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Cannot open a new Isa with NS&I for 07/08 Help!!
I have been trying to open a new
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ISA withdrawal gone tits up! Need help moving
Last month I decided to open a Mini Cash ISA with Lloyds TSB as I had around £1k collecting dust and thought it would be wise investing this in a savings account. My account was opened on the 2nd March 2007 with this £1000 being my deposit. A couple of weeks later I decided I needed to upgrade my PC, but didn't have enough…
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Withdrawing ISA money
Hi, I am having to withdraw my full ISA allowance from the NS&I ISA to fund the purchase of a car. If I withdraw i.e. simply do a transfer of the full balance to my account will this affect this years (2007 - 2008) ISA amount? Will I still have £3000 left this year to save under the ISA rules? Thanks,
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Transfering to a new ISA and opening a further new ISA in the same tax year
Hello All, I've spent the past hour reading various threads on this forum regarding transferring and opening ISAs. However, I am still not sure what the best (and legal) thing to do is in my situation. I have a Nationwide instant access ISA with 4 years x £3,000 plus tax free interest in, current interest rate being 5.15%…
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How much?
I was just wondering if I invested £25,000 in an ISA at 5.25% for 12 months how much would it be worth? Not very good with these calculations.
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Barclays: topping up
For those of us 2006-7 applicants fortunate enough to have received our welcome packs from Barclays, I was wondering what MoneySavers are doing regarding topping up for 2007-8. Obviously, I want to maximize interest. There’s an ISA paying-in slip and prepaid 1st class envelope to Barclays Savings, Leicester. The slip says,…
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cash isa
a couple of questions and a little bit of advice please i have already a cash isa, opened 2-3 years ago, i have paid £3000 into this year (ending apr07) i have recently opened a new isa and put £3000, is this alright if not what will/could happen thanks
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Halifax 6% fixed rate 4 year ISA
Am going to open one of these. Completed the online form but didnt submit as it doesnt give you the opportunity to pay by debit card online. I already have Halifax ISAs so they won't need to run checks - does anyone know if it is possible to phone up and get the new ISA paid for at the same time as the application?…
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Cash ISA Confusion on how much interest is tax free
getting confused on how much interest is tax free. Ok imagine I have a cash isa for 06/07 for £3000. Comes up to 07/08 financial year so I put another £3000 into another cash isa. Does that mean I have interest from (1) £3000 (from 06/07) and £3000 (from 07/08) that is tax free?? Or does it mean the £3000 i invested into a…
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Mini Cash Isa Questions
Hi all, Just a quick question, as the new tax year is here!! I have 2 mini isas at the moment. A First Direct ISA from the 05/06 tax year with £3200ish in it and an Alliance & Leicesier Direct ISA Issue 1 from the 06/07 & 07/08 (current tax year) with about £6075 in it. They both seem to have pretty poor rates. I would…
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Merging existing ISAs
Hi, I'm writing this on behalf of my computer-illiterate girlfriend! She's got various ISAs and is wanting to put them all into one account. She has the following: Nationwide ISA - £6,500 variable rate approx 5.1% Smile ISA - £3,000 - variable rate approx 5.0% Halifax ISA - £3,300 - variable rate approx 4.0% Would it be…
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EGG vs NS&I
Hello, The new Egg ISA with 6.10 seems really interesting especially since I am an existing EGG customer that should go very quick. However I also have a NS&I ISA, which looks to me very professional without any catch. NS&I has a guaranteed rate of 0.55% over the base rate while EGG only guaranty paying at least as much.…
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Confusion over A&L "Direct ISA Issue 2"
Hi There, My Direct ISA Issue 2 had ts anniversary on 31.3.2007. I was going to see if the rates have changed and couldn't find the rates for it. My account nr starts with 608. They have Accounts with 609 and other numbers or even Direct ISA issue 3, but mine seems to be erased from their site. :) Does anyone the interest…
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My ISA Selections for 07/08
This year I have used these criteria to select the funds for this years isi 1 yr increase in value 20% min 10 yr increase in value at least 200% Year on increase in value is consistently above the average This has resulted in these: GARTMORE China Opportunities INVESCO Perp. HL & China 1 acc JUPITER Emerging European Opp…
