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Can I have 2 cash ISAa?
I opened one in eith er tax year 2007-2008 or 2006-2007, I honestly can't remember. I have way less than the limit - but the money in there is for 2 different purposes. So can I open a new ISA this tax year so I can keep the funds seperate from each other and better see what's going on?:confused: Thanks for any help…
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How long before the Barclays ISA cheque is cashed?
For anyone who has recently opened a Barclays ISA - can you give me an idea of how long it took for the cheque to cash? My new current account earns no interest so I'd like to keep the cash in my savings account as long as possible. If they are cashing cheques quickly then I'll just move the money today and not risk a…
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The advantage of a shares-based ISA component
Hi everyone Sorry if this is a naiive question. I can see the obvious benefits of a cash ISA - I don't get taxed on the interest from those savings. But what about if I opt for the shares-based component? What are the advantages there, over and above just investing in shares outside of an ISA? Do I not get taxed on any…
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Northern Rock ISA's a safe bet?
All morning I've trawled the best buy tables and read the small print, and find that the NORTHERN ROCK 1 Year Fixed Rate ISA (Issue 63) suits my needs the best. Are they a safe bet to invest with? My head tells me, probably yes, safer than ever after nationalisation, though I can't help feel a nagging doubt given the bad…
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Cash in a shares ISA
Hi During recent market turmoil, I cashed out of shares in my ISA, and have not ventured back in, so I now have 20k in cash in my maxi ISA with Selftrade This pays only 3.25% I am aware that one should hold cash, only with intention to re-invest, but with state fo market, I think it may well not be time to jump back in.…
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Help - Egg ISA
I am hoping someone could help me. I had an ISA with Egg for the 2007/8 tax year. I am trying to consider whether I would be better off staying with Egg or transferring. The interest rate was 6.05% gross pa/AER...am I guaranteed this for the 2008/9 tax year if I stay with them as this is what it is still advertising now?
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Does ISA interest increase allowance.
After a 1 year ISA of £3000 and about 6%, you get about £180 interest. If you add the full £3600 this year this would bring the ISA up to £6780, including the interest. So this year you actually add £3780 Is this allowed or do you have to move the interest out. Or only add in £3600-last years interest. If you leave the…
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Principality BS 6 Month FIX 6.49% ( 6.60 AER)
http://www.principality.co.uk/default.aspx?page=815
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Just checking...
Hi ,I have a cash isa from last year with egg opened in june. Can I transfer this to an A&L cash isa then bang in another £3,600 to the A&L isa? I assume the interest from the egg isa will then appear in the egg account in june which I can then also transfer over to A&L?
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NS&I isa rate after next base rate reduction....
Anyone reckon that the ns&i direct isa rate will drop again after next interest rate cut? It's currently paying 5.55%, but I'm guessing it may drop by 0.25% in line with coming base rate cut... Anyone agree with me.....?:money: Thanks in advance folks.
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Unofficial ISA transfer
Hi, I currently have a Halifax ISA from last year with about £1400 in it, and have just opened a new HSBC e-ISA for this year. Unfortunately, the new ISA doesn't allow transfers in... at least not officially. Would it be possible to simply withdraw the money from Halifax's ISA and then pay it into the HSBC one? I am aware…
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HSBC e-ISA
HSBC appear to have quietly tweaked their Cash Mini ISA to coincide with the start of the new tax year. It's now called an e-ISA, and pays a respectable 6% on all balances of £1 and over. They pledge to pay no more than 1% below the BOE base rate. The catch is that you have to have an HSBC current account to open one, you…
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Legal & General index-tracker ISA Advice?
Hello, I'm thinking of getting an index-tracker ISA. I'm looking to deposit a small amount each month (say £50 - £100) over a long-term period, i.e. at least 5 years. I have looked at Legal & General's UK 100 Index Trust, which has 0.75% management fees & no initial charge. The Motley Fool seems to think this is OK. I'm a…
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Can I contribure to two exising ISAs in the same year
Just out of interst, can I contribure to two exising ISAs in the same year as long as I do not exceed the allowance? i.e put £1800 into each account?
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Fixed rate Halifax ISA Saver
I am looking to consolodate my ISAs into a single account. I have seen the "Fixed rate Halifax ISA Saver" http://www.halifax.co.uk/isas/fixedrateisa.asp Howver I am a confused as to if I can Transfer 6.5kish from 2 exsisting ISAs and the 08/09 contribution of £3600 in Cash when I open the account. Can someone clarify?…
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ICESAVE ISA transfer form question....
I am considering transferring my NS&I direct isa to ICESAVE (Sounds like it's taking months though, so not 100% sure!:rolleyes: ) ..... ANYWAY.... my questions regarding the icesave transfer form are as follows: - 1. "Date of transfer" section...... What am I supposed to put here? If; as I've heard, icesave do not back…
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barclays isa help
i have a isa from last year with barclays , and want to add this years allowance to it yet when i try to do this online it says i must have more than 1 account to transfer money. what am i doing wrong or do ineed to open a whole new isa this year . cheers mark
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skipton new isa
dear guys a girls are you allowed to transfer into skiptons new fixed rate isa? i have a 1 year fix with bradford a bingley that matures on friday, i was hoping to get it sorted tomorow, are you allowed to do it in advance? thanks in advance.
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barclays isa
dear guys a girls, i opened one of baclays 2008/2009 two weeks ago on a saturday with a 10 pound cheque, still have not recived conformation that the account is open, if i went in with a cheque tomorow do you think my account will be on there sytems? thanks in advance.
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Disappointed :(
last year in october i opened my ISA with NS&I. It paid a brilliant 6.3% and guaranteed to be above the base rate by 0.55% But now it only guarantees to be above the rate by 0.33% so its only paying a measly 5.55% :( Really disappointed thought this year was meant to be good for savers! :( What would you guys do? Transfer…
