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ISA question - I'm a bit slow!
Just want to clear up a point about ISA's. After sorting my finances out I have started putting £300 a month into a cash ISA, therefore using my annual allowance. Unfortunately I have an ISA with BoS which is a terrible rate. So at the start of next financial year can I transfer the balance from my current ISA into the top…
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Direct ISA
What is a "Direct ISA"? :huh: I have only just recently found out about ISAs and how they work. I understand the difference between a Cash ISA and a Stocks & Shares ISA (after having reading the full ISA guide on this site) however I keep seeing the term "Direct ISA" mentioned on various other web sites, but there is no…
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Uninvested cash in a Stocks & Shares ISA
I have £3K uninvested cash in an old PEP (now a Stocks & Shares ISA) Can I transfer this uninvested cash into another Stocks & Shares ISA ? (I have an existing self-select Shares ISA) Or, as I suspect may be the case, do I have to be invested in shares before I can do any transfer. Haven't been able to find an answer to…
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ICESAVE ISA - When I get my money back...
When I eventually get my £3200 back from Icesave can I invest it in another ISA even though I already have one? i.e I had First direct ISA and Icesave ISA and invested £3000 in each, £6000 total. Now Icesave is no more can I put my Icesave money back into another ISA with another company despite having used £6000 of my…
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What should I do with my Peps in HBOS, Abbey, and Standard Life?
I have invested Peps since 1996 in HBOS, Abbey and Standard Life, with lump sums of £6000 in each. Peps in HBOS performed better last year, than Peps in Abbey and Standard Life. Following the current financial crisis all the money I have invested in these Peps have gone under the initial investement. Current balance for…
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scottish widows isa worries
hi everyone, I would first like to thank you all for the advice about offset mortgages. I have very real worries about my Scottish widows ISA. (Global and UK growth) I was paying £200 per month into the fund but stopped that 2 months ago. I know put that money into my savings account and use it to offset. Last year my ISA…
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ISA Charges
Hi I have an ISA with a company called KIllik. I called them recently to sell my last remaining shares in Thus. My intention was to use the proceeds to re-invest in Barclays - brave me :) - but when I asked about charges, I was told it would cost about £35 to sell and almost the same again to buy. £70 seemed very expensive…
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Saving/investment Where To Put My Money
I have about £40,000 (through a bereavement) to invest/save and not sure where to put it. My head is spinning with all the financial problems going on around that I am so confused now. Can anyone help/advise me on the safest and most profitable place to invest this amount of money. Thank you.:confused:
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alliance and leister ISA - FSCS?
Hi, Apologies if this has been answred already, I have had a quick look on the forum first. I have some ISAs which I transfered to Aliance and Leister ISA to have all my ISAs with one bank. I did this about 4 months ago. Its less than £50k (a lot less!!) I just wanted to check that this is actaully covered by the FSCS. I…
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Is my money safe in this ISA?
I've currently got an ISA with MLC. http://www.mlconline.co.uk/masterkeyWeb/execute/generalhome I've just found out that the MLC is part of the national australia bank group. Does this mean if the bank goes under I would lose all my money? Thanks in advance.
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Guaranteed Investment Account with YBS..losing money?
I currently have a mini ISA with Yorkshire Building Society. I originally invested £3000 but when I received my statement recently it says it is only valued £2910. The description of the account is : The Guaranteed Investmentment Account is a deposite account with a four year investment term starting on and including 20…
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icesave ISA conundrum
I maxed out my cash ISA contribution for this tax year some time before I left the UK in an Icesave ISA. Right now, for the forseeable future, i am living and working overseas in North America where I believe I shall be taxed on all worldwide income. Obviously were i still in the UK i would, once I got my cash back from…
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Transfering HSBC ISA
I have been trying to transfer my cash ISA to an ecash ISA. HSBC have told me via their online banking that I cannot do that. Is that right? As I thought I could transfer my ISA anytime.
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Best ISA for me??
Hi, I have recently won £6,000.00 and wanted to know which ISA I should put the money into. I would like easy access. Many thanks Stephie:confused:
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Nationwide ISA Transfers Out - How long?
Just wondered if anyone knows how long Nationwide are currently taking to effect transfers out. OH opened Skipton FR ISA at end of July and completed their form to transfer NW ISA to it. No funds received by Skipton as of today. (I don't know when or whether Skipton sent the form to Natwionwide as Skipton staff dealing…
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Quick ISA question...
Is there a limit to your savings total? I.e. if you have an ISA for 20 years at about 60+ thousand, can you just keep going? So, if you've deposited £3600 for say, 15 years, and you have £54,000, PLUS all the interest, you'd be making (on 6%) £3,240 a year interest alone, thats almost the entire allowance....does this…
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Should I Keep Investing?
I have two stocks & shares ISAS that have been running for approx 9 years. We contribute £100 per month to each of them. We are currently showing a drastic loss on both. Should I stop contributing and invest the £200 a month somewhere else until the market picks up? These are investments for our children so we are not…
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ISA transfer
wonder if anyone can help, i have a notice isa that i need to give 60 days notice to withdraw from. I am looking to transfer to the natwest 7.32% isa, on the app form there is space to enter the day of transfer, can i jus put a date 60 days in the future or should i personally notify my old provider and give them 60 days…
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Need advice/info about Fixed ISAs
Hi I am a student and I currently have a variable cash ISA with natwest with around £7000. Is it true that interest rates are going to fall pretty bad soon, like down to around 2-3% so I was thinking whether its wise to transfer to a fixed ISA. I want to leave the money in there for like 1-2 years, with no withdrawals,…
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Savings advice please from more clued up folks! Northern Rock 6% fixed ISA best idea?
I have £6,500ish in an old Alliance & Leicester ISA I'd like to transfer elsewhere for a better rate. For one thing I've been getting £5 a month charges for ages now for not crediting the current account I have with them with £500 a month and I'd just like to close the whole lot down (been depressed and terribly motivated…
