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Best Fixed ISA which allows additional funds after opening
Does anyone know if such account exist? I was just about to go for Nationwide Fixed ISA bond (1yr) and noticed in the conditions that you can not put any additional funds in until the end of the 1 year period. Since I only have a 1000 at present, I don't wan't to lose the rest of my ISA allowance for the year... Advice…
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Do you know of an ISA that will allow part transfers?
Hello everyone The bulk of my savings are in an Icesave ISA and I want to make part transfers to my Britannia and Yorkshire ISAs, however, Icesave do not allow part transfers. I would like to transfer my Icesave ISA to an organisation that will allow part transfers to my other ISAs. I'm looking for an ISA which will allow…
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Difference between Fixed Rate ISA and Variable Rate ISA?
Hello, Sorry for this simple question, but I hope someone can shed some light on it for me... I've noticed often the same banks have both Fixed Rate ISAs and Variable Rate ISAs. Yet the Fixed Rate ISAs always have a higher rate of interest. I was therefore wondering what the catch was in getting a Fixed Rate ISA? Surely if…
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Cancel Barclays Tax Haven application
Has anyone tried to do this? I had a letter a week or ago saying it'll be another 30 days. Would probably rather cancel and go for Egg - lower rate but easy. I could cancel the cheque but that would be charged I guess. I assume as the account hasn't been opened then there's nothing in their system (application is in a pile…
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Alliance Leicester ISA woe
I opened a new Premier ISA Issue 2 (the 10% one, accounts starting 802) shortly before the end of the tax year (penultimate week of March, I think)... My account appeared in my online banking the very beginning of April, and April 4th I put last year's £3000 into it. April 11th I put this year's £3600 into it. My balance…
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ISAs - Increasing your annual tax-free savings allowance
I have a question relating to ISAs, which I thought members might be able to answer. As I understand it, ISAs are a government initiative offering everyone an annual tax-free saving allowance to encourage saving. This is limited by the government to an allowance of £3,600 per year for Cash ISAs (which is what my question…
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should ISAs be emptied to pay a deposit
I am sure many money savy people have worked it out already so could you please share your knowledge. Which way would be most profitable ( or least expensive), to live money on ISA or to scrap it to put as big deposit as possible so there is less mortgage interest ?
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Transfer Natwest --> A&L
I've successfully opened my A&L ISA Account, and made a 'test' deposit from my linked account which worked fine, so I intend to fill up the remainder (£3,600 this year yeah?!) That's all good, however, I now need to transfer my Natwest ISAs to the A&L Account, now they sent me a form in the post, this contains: * National…
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Thought I had it worked out, now I'm not sure
This was the plan: - Transfer my two ISAs into a Nationwide ISA 1y fixed rate bond. - Open a regular saver ISA at a better rate, and pay this year's allowance into it. The back of my Nationwide application form says '[I declare that] I have not subscribed and will not subscribe to another cash ISA in the same tax year that…
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Can someone explain stocks & shares ISA's?
I've heard that some people have put money into some sort of stocks and shares ISA plans and got returns of something like 15% AER before tax. How much risk is involved in these, and who manages what the stocks and shares are invested in?
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Barclays ISA 6.5% %.25%
I email a complaint about ISA somewhere in mid April To be reply in 5 working days Received letter telling me how busy they are and would reply by middle of May Middle May received letter explaining how busy they are and would be in contact in JUNE (I wonder which year) So far... IF my Maths are correct of this ISA which i…
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Aberdeen ISA
A year or so ago I invested £8000 (£4K for 06-07 and £4K for 07-08) into Aberdeen Property Share Fund. This was on the advice of an IFA who knew I was risk averse. I have recently received my statement and my investment is now worth £5195.89. I know what has happened to property in the last year but was this a sensible…
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Coventry BS - 1 year FR Isa 6.00%
Not sure whether this is old news or new news - Coventry BS offering a 1 year fix to 31/5/09 at 6.00%. Unfortunately no transfers in. Nice & easy if you are registered to use their online facility. http://www.coventrybuildingsociety.co.uk/savings/ProductFeatures.aspx?ProdCode=FI1Y1
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novice ISA saver needing advice..now I've learnt you can transfer ISA balances!
Hi folks Thanks to all on this forum, I've had an eye opener for my ISA savings - that Im not stuck with the low rates from previous years subscriptions! Guess Im just wanting to check with you folks in the know that Im going about this the right way! I have Cash ISA's with M&S, Barclays and Egg that I have opened over the…
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IceSave not accepting partial transfers out
Hi all, I've been attempting to transfer most of my cash ISA from Icesave to Lloyds TSB to take advantage of the 6.5% fixed rate offer. First of all they failed to action anything for almost 2 months despite my prompting (bad enough) but then today I got a letter saying they were unable to accept a partial transfer and it…
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3 weeks taken to open skipton isa.
I applied for a skipton fixed isa at 6.25% via post on 15 th April.They sent the passbook yesterday,my id already confirmed via a previous phonecall so account was technically open just awaiting funds.They have put the £3,600 transaction paid on 8TH May to 15 th May.The cheque cashed today.I know the building societies…
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B&B are taking the P***
About 8 weeks ago I phoned B&B to ask if i could transfer my B&B eISA Issue 1 to B&B eISA Issue 3 so i could get an extra .25%. They said yes but i would have to fill in an ISA transfer form as if I was transferring an iSA from another provider. I did this and sent the form to them. After 4 weeks nothing happened so I…
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CIS mini isa
invested in stocks and shares.i've had it since 2001 but in the last year it has gone down in price by £300 because of the markets.i know it's a long term investment ( they say 5-10 years) but would it be worth taking the money out and investing elsewhere cos the markets might pick up but that could be years away.i don't…
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transfer - does it affect new ISA allowance
I'm sorry if this has been asked before, but I couldn't find any reference using search. I have a couple of cash ISAs from previous years, and I was wondering if I transfer some money to another cash ISA will this use up some of this year's £3600 allowance? Or is the allowance for 'new' funds? Thanks
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PEP Advice please
I have a PEP which was set up in 1998 with the aim of helping with University fees when (and if) the time comes. I stopped paying into it a fews back and have being paying into an ISA ever since. The most recent portfolio value shows that it's fallen in value by just under £800 since October 2007. So the question is,…
