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matured Maxi ISA advice
Hello there, I couldnot find specific advice on this in the forum and would be grateful for any help. I have a maxi isa of £7000 which has matured after tracking ftse for 51/2 years. 1)i want to know if i can split the £7000 and move £ 3000 into another mini cash isa and still retain this years mini isa allowance. 2) The…
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Best Self Select ISA for low trades
If I wanted to buy 7k's worth of shares in blue chip companies that pay good dividends, and keep these shares for (say) 5 years, which would be the best company to keep them with? I will be putting in about 2k of Standard Life shares and then making up the difference to 7k with other shares. This will be carried out when I…
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Add to Barclays 2006/7 Tax Beater? Or Open new ISA?
Right... I'm getting myself in a fuddle & probably overthinking this... so can anyone clarify? :rolleyes: I opened an ISA in April this year - the Barclays tax beater for 2006/7 and managed to get £2400 in there before the cut off into 2007/8... so, question 1 - can I put in the extra £600 from last years allowance now?…
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Many ISA's or just one?
Hello, I am not the richest or cleverest money making person in the world but I do have a wee bit saved up. I am after some advice on whether I am doing the right thing with my money. The situation is this I have various small savings accounts and the aim of the money is to create a bigger deposit for when we move house.…
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Help?
I am a little confused, my head goes spinning when I think about banks and savings and anything along that line. I'm wanting to open an ISA but I don't really know anything about it. If it is a yearly interest account the interest goes in at the end of the financial year, regardless of when you open the account? I'm a…
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ISA or not?
My employment finished end July 2007 and I shall reach retirement age (60) at end April 2008. I would like to know if it would be worthwhile for me to put £3000 into a mini ISA.
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Mini Cash Isa With Monthly Interest
I am thinking of transferring my existing Mini Cash Isa fund into one where the interest is payed monthly in the hope that the interest earned can be deposited into my mortgage account to use to make overpayments. Is it possible to have this interest transferred to other accounts without penalty, tax, etc? Thanks
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Barclays ISA - they have stolen my money
Hi all, I applied for a Barclays tax-beater cash ISA at the end of the financial year on 5th April 2007 and deposited a cheque for £3,000. Like many I hadn't had any confirmation of the account for several weeks but was told that due to the huge demand it was taking longer than usual to process the applications. My cheque…
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To re-register s&s isa or not to re-register...
i'm rather ignorant about this stuff, so forgive me if this is nonsense.. :) earlier this year i took out a s&s isa with CIS (the sustainable leaders fund) - just to dip my toes in, really. hasn't been a terribly great ride so far, but that's not exactly uncommon at the moment :) and i'm in this for the long run, so i'm…
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Closing ISA with Smile
I have £62 in an ISA that I have not accessed since 2003, completly forgot about it. Can I just transfer the money to my bank account and then close the account?
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Maxi transfer?
I have a Maxi shares ISA that I set up several years ago with £3k that I haven't invested anything in since. This year I have put £3k into a cash mini and just opened a shares mini with £4k. Can I transfer whatever the value of my shares maxi ISA is into my new shares mini?
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Maxi and Cash Isa
I have a maxi Isa that I put £150 per month into. My question is can I also take out a separate Cash ISA in the same financial year, there by paying into both ?
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Natwest mini cash ISA rate CUT
To anyone with a Natwest mini-cash ISA - rates were 'changed' on 3rd September, which means a cut of 0.21% for anyone with less than £18k in the account. It was nice to have all my online banking on one screen, but this might just trigger a switch to Kent Reliance. Now, I thought that if a bank made a rate change which was…
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To transfer, or not to transfer ...
... that is the question. I am in the process of MSE-ing my finances, and it is my ISA's turn. It is a Halifax mini cash ISA, currently paying 5.75% and with a balance of £15,666. Unfortunately, they also have a transfer penalty of 180 days (approx. 6 months) interest. Based on last year's interest payment of £666, this is…
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Resurrecting our ISAs
Hello, I and O/H drained our ISAs in July to get our house deposit. Mine was an A&L ISA which I transferred to Abbey this financial year, his is an A&L Direct ISA Issue 2 (I think). Neither have been paid into this year, but we are currently in a position to do so. So: Can we close the ISAs and open 'new money' ISAs this…
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self select ISA
Hello, I'm looking at opening a mini self select (equity) ISA. I currently have a index tracking ISA that i am paying into monthly and want to know if i can transfer this to the self select ISA to purchase shares or would i have to wait until next April and the new tax year? Also can some one tell me how the self select…
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ISA Transfer mix up
Hi, I had an existing ISA with HSBC which I got it transferred to Yorkshire BS, this took about 25 days and YSB confirmed that the money has come in and I could see it online as well. HSBC did not send me a confirmation of closure, but I stopped seeing my ISA online after the transfer request. Then suddenly last month end,…
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Investment diary of a newbie
Right. Here goes. Summer's over and back to a bit of normality. Time to look again at the finances. There always seem to be a lot of questions from people wanting to start from scratch with a S&S ISA (from myself included) and I've read and re-read THE thread so many times. I thought I'd start my own diary. My starting…
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B&B's eISA paying 6.05% is available again...
Bradford & Bingley have re-launched their popular eISA again. It is called eISA 2 and pays 6.05%. They also allow transfers in of existing mini cash ISAs. The interest rate is guaranteed to at least match the Bank of England base rate until 30th June 2009. The Bradford & Bingley eISA webpage. This ISA has been added to the…
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Poor PEP
In 1998 I invested £5K in a PEP. Today it is still worth less than the original investment! Before I cut my losses & run, is it worth complaining to someone about bad fund management ? Other investments over this nine year period of time have done OK. Furthermore, I took advice free from my bank (with no association…
