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07/08 fund choices...
Hi All.. Just thought I'd run these past you in case I had done anything silly. I'd say my risk profile is 7/10 or so, and I'd certainly be investing for the long term (10-20 years minimum, as I'm only young)... so not too worried about ups and downs, just long term growth prospects and a reasonable spread. My first ever…
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Re Alliance&Leicesters ISa's
I applied several weeks ago through quidco to open the Alliance&Leicester Premier isa which I was accepted and my husbands also did the same, (we were supposed to get £50 each for opening these accounts which has not appeared as of yet. They made a mistake with my name so neither of the accounts were actually activated and…
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Taxation
I earned £13,000 last year and have paid £5,000 in tax as a result. (including the advance payments) I have just bought my first Mini ISA on April 4th because I have no savings at all (I am 56). But I have realised that it will leave me without cash to pay next year's tax if it is the same- I usually earn between £7,000…
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Changing Funds within an ISA Question
A newbie question, I'm afraid... I've opened a Stocks & Shares ISA account with a discount broker and deposited money into the account. Now if I buy a particular fund, but in 6 months time decide I chose poorly and want to sell this in order to buy a different fund, would I lose the tax benefits? I.e. does selling the…
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Investing in property funds
Hi all... got a question, hope you can help. My brain thinking... "My current investment portfolio is slightly riskier than I want it to be. I'll invest a little into property, as I know this is a good allocation to offset the greater risk from equities, emerging markets etc, especially as I already have a good chunk in…
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Halifax Fixed ISA T&C
I was reading through the Halifax terms and conditions for the fixed rate ISA and came across the paragraphs below. I was hoping to open with £3000 and transfer £3000 from a previous year, the chap on the phoneline said I could do this but after reading this I am not so sure. Any ideas? If you fund your fixed rate account…
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ISA funds instead of Premium Bonds?
I was logging off nationwide internet banking and they were advertising £7000 ISA. As I thought you could only put £3000 into an ISA I had a look and realised there was two types of ISA's. Now after having a quick look I thought that maybe i would put a small amount into the £4000 stock ISA so i can still use my £3000 cash…
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Barclays ISA mistake - have I lost my 2006-2007 allowance?
Hi all First post here so not sure if this is quite the right group Basically my wife and I both applied for Cash ISA with Barclays on 28 March with all the correct documentation and cheques for £3000. Until yesterday we had heard nothing but it is that time of year. Yesterday my wife had a letter from Barclays saying that…
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ok can i ask a possibly stupid question
as i'm new to the whole saving idea i hope you'll understand if it is a stupid question and bare with me ... i have seen some threads on here where people have been putting in £3,000 into their isa account before the 5th ..which i think is sensible ...but what i cant understand is ...why did you wait till just before the…
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Cash Isa miscalculated interest
Hello All I have just received my annual interest on £6066 in my Halifax ISA which has varied between 4.75% for 5 months then gradually increased to 5.3%.Gross which I calculate for the 12 months at around £300. However I have received a miserable £242 . How can I be so far out ?This has also happened to my wifes account…
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Transferring ISA at a later date
I've currently got an ISA (2006/7 tax year) and Flex account with Nationwide and so in theory could pay into a new ISA today via the internet banking. I, however, would prefer the Barclay's one due to the better rate and have got their application pack. But I'd need to go to the branch tomorrow to prove my ID and as I'm…
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The new £3,600 ISA saving
When does it take effect? My ISA account got renewed and it just says £3,000 and not the £3,600 that was announced in Budget day. Maybe I have missed the date... does anyone know? Thanks,
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Bed and ISAing
Hi, I'm looking to "bed and Isa" £7000 of shares for 2007/8 tax year. Because I have to sell before I immediately buy back into the ISA, does the sale count towards my CGT allowance for this year? For info, the shares I want to place in the ISA are from a bunch of approved share options I exercised last August from the…
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NS&I ISA Interest Question (merged)
Their terms say that interest will be added to the Direct ISA after the close of business on 5th April each year. I have just checked my account online and they haven't added it. Is this because of the bank holiday? I would have thought that in this technological age, that it is all done electronically and bank holidays…
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Natwest has lost my ISA money
Hello! I opened an ISA at Natwest on Friday (after wasting time at Barclays two days earlier, not having any faith whatsoever that they would bank my cheque I stopped it and reading the threads on the Barclays ISA I'm so glad I did). Funds transferred from my Natwest current account on 3rd April (so far so good). However,…
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Abbey 8.1%
okay... what's the catch? http://www.abbey-products.com/product/super-isa-squirrel/ apart from there being about an hour to apply for it, that is!
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Principality BS launch 6.00% mini cash ISA
Principality Building Society have launched a new fixed rate members mini cash ISA paying 6.00%. As it's name suggests this ISA is only available to existing Principality BS members (two years or more). More details here. http://www.principality.co.uk
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Building society took £4000 out of ISA without permission
My building society has made a mistake and I need them to give me the compensation that i deserve for their mistake. I have missed out on tax free money because of their mistake. How do I deal with this?
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I hate ISA's!!
Trying to work out which ISA is best and gives you more interest etc is driving me bonkers. I have spent hours reading the different posts and I can't tell you how many times I have attempted to go into Barclays and Alliance and Leicester. I think I'll buy a nice tin of biscuits, eat them and put the money in there under…
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Transferring ISA
Hello All, I have a halifax ISA for 06/07, which I want to transfer to Northern Rock. Do I have to do this today or I can I do it in the new tax year? Thanks in advance.
