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ISA withdrawals and tax implications
I’ve seen a previous article on the site that says you don’t lose tax benefits if you withdraw (rather than transfer) and another that says never to withdraw or you lose all of the tax benefits. I had planned on transferring in the next couple of days and building up to 3k for this year, but would then need to withdraw…
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ISA Tax Wrapper
Afternoon So I had a little more than £3000/£7000 that I wanted to put away but I was going to put it into Barclays Tax Haven ISA (I am a barclays customer already). In the end I had a chat to the Barclays Financial Advisor and she offered some products (not Barclays - but I assume theres commision in there for them). In…
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ISA for 2008 / 2009
Hi I hope this is not a stupid question but I am a bit confused so here goes. I opened a Mini-Cash ISA with Barclays last year in to which I have paid the £3000 into. 1) When can I open a Mini-cash ISA for the 2008/2009 period ? Do I have to do this only after the 6th or do I have to open it now but transfer money only…
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Icesave Problem
I applied to ICESAVE to transfer my ISA from the Leeds Building Society in late February. My passwords arrived from Icesave and I went on holiday. I returned to find a letter from Leeds BS asked me to confirm I actually wanted to transfer the ISA by returning my passbook to them. I did so by hand to their head office but…
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Dunfermline BS Guaranteed 30 Cash ISA - 6.25%, transfers in, from 7th April
This has popped up on Moneyfacts. Availabled from 7/4/08: 6.25% AER (annual interest), 6.22% AER (monthly interest, 6.05% gross) 30 day notice account Rate guarantee: base rate until 30/6/2010 (doesn't apply to monthly option) Operate by branch/phone/post Minimum investment £1 (£100 for phone option) Maximum investment…
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Fixed Rate ISA and TOISA
I want to open a Fixed Rate Cash ISA Bond with Nationwide in 08/09 tax year with the new maximum amount and then also transfer in the amount that is sitting in a TOISA - also with Nationwide. Is it posssible to do this after I have put the lump sum in or does the TOISA have to be transferred at the same time ? The…
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Invesco Perpetual European Growth - help needed
I had a holding in this fund, but on March 20th it was merged with the European Equity fund. I recall receiving a letter about this, but can't locate it. (I probably shredded it.) I have now lost track of the value of this fund as I don't know how many units I now hold in the European Equity fund. Does anybody know what…
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Britannia Fixed Rate Mini Cash ISA
Hi, Last year i had a regular mini cash isa with britannia paying a low rate. In October i changed it to a Fixed Rate Mini Cash ISA. This was fixed at 6.55% till October 2008 so seemed a good deal. I'm aware I can open a new ISA as from now as new tax year. I was just going to pop down and open a new standard isa account…
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Are Barclay's ISA's Really worth 6.5%?
Are Barclay's ISA's Really worth 6.5%? I ask this question because. Although I do not have an account with Barclay's, Over the last year, I have paid £250 per month into there tax beater ISA. Now that the 07/08 Bonus Rate has ended. I want to continue with there new Tax Haven ISA, But they will not allow me to transfer the…
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mini shares isa this year
Hi, I have put 3k into an alliance L minicash isa and i want to put the 4k of this year into a mini shares isa where i can trade online. i know my friends trade with lloyds but it sounds like they might take a couple of days to set up the account. do you think i should put the 4k into a mini shares isa with Aand L and then…
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Barclays ISA rate after 1 year
I found from the site that Barclays were the best deal so put in £3000, what is the best thing to do now 1yr on, read a bit about being prepared to move to another ISA. Any tips, do's ad dont's would be appreciated, looking to add another 3k but something tells me it's going to be best to move from Barclays. Also I dont…
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07/08 Isa
Have an application in for Selftrade ISA. Unfortunately they are in the process of messing it up and delaying it a lot. So it's unclear whether it will be set up by 5th April. If they don't stop being so incompetent, would there be any problem paying in £7k by debit card on 5th April to my existing Hargreaves Lansdown ISA…
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Opening 08/09 ISA
Has anyone applied for their 08/09 ISA (even if funds not transferred in yet)? Or do we have to wait till Sunday the 6th (online) or Monday the 7th (in branch)? :confused: :D
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PennyFarthing03
As a newbie mse convert I'm a might confused with isas. I have an offset mortgage account. Should I still be putting my tax free allowance away each year in the form of an isa or keep it in the offset account? Advice much appreciated.
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Look for a transfer or leave the money with A&L and get Barckleys for this year?
Hi, I've had a very good ISA with A&L (8.1% as a new customer) last year. I got £159 interest by the end of December. This year I have around £ 2000 to put in straight away but I am more than likely to be withdrawing later when my maternity pay goes down to statutory one. I thought Barcleys would be best. I cannot do much…
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Info on problems transferring a tessa please
A bit of advice please. In 2000, a tessa was set up. In December 2003, once the account had matured, the building society changed the account to a tessa isa. Other than interest and compounded interest, no other money has been put into the account since 2000 and no money has been taken out. The plan is to transfer the…
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Barclays Tax Haven question
I have two qustions 1) If i put £3000 for 07/08 by 4th April 08 what the interst that would i get? and then 2) If i then put £3600 08/09 on the 6th April 08, would i get 6.50% interest?
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Abbey or A&L Cash ISA for 08/09?
Hi, Just been looking into cash ISAs for 08/09 & I think Abbey or Alliance & Leicester will probably be best for me. Both offer a decent rate of 6.25% & allow transfers in & seem to have no penalties for withdrawals. However, I don't know how to choose between these as haven't banked with either before. Any advice, or…
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How much Interest?
I have an ISA with Egg and I know the interest gets paid in anually on the anniversary of you opening the ISA. The interest rate for Egg is 6.05% (correct me if I am wrong). How is the interest calculated? Is it whatever is in the ISA on the anniversary, 6.05% of that amount will be given in interest? Or is it calculated…
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Transferring ISA providers - Barclays Tax beater 07/08
I invested £3000 in a Barclays Tax beater ISA last May and I was wondering what my best options are now? I realise that the introductory rate only lasts 12 months and so presumably I should in May 2008 try to find a provider with the best rates which accepts transfers in. In addition I plan to invest £3600 in a new ISA…
