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ISA or not
We have £3,000 of long term savings to invest now. We have already put £6,000 into our ISAs for this year and it is paying the prevailing derisory rate. Do we top up our ISAs and accept the current low rate or invest elsewhere, at a higher rate with no ongoing tax reflief?
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If I own shares in a private company (a very small amount of shares) is there any way
I can wrap them up in a stocks and shares ISA?
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First Direct ISA cashed my cheque then rejected application!
Has anyone else had this problem and what can I do about the loss of interest... Basically my partner applied online for a First Direct ISA. They sent an application form to sign and said send a cheque. We did this and then they cashed the cheque (3.6K). The next day we receive a letter saying the application is rejected…
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Has the limit changed for everyone?
I have maxed out my ISA for the year with the £3.6K limit. However, it says I have £1.5K allowance remaining. I thought the limit had only gone up for the over 50's and I'm far from 50 :p (but not far enough for my liking) I don't want to put anything in incase it's an error on the banks part.
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intelligent finance isa info please
hi, im looking at transferring 2 isas to if. never heard of them untill today, are they part of a big bank etc. do you recomend them at all, customer service etc. any info is appreciated regarding transferring an isa to them.is it all done online etc. many thanks.
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cash isa weekly payments
hi this might be a stupid question but is it possible to deposit money into a cash isa in weekly installments rather than monthly. thanks
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2 isas at same bank, not allowed to transfer??
hi, bear with me lol ! :confused: i have a cash isa (0.30%) held for 7 year, and a cash e isa (1.75%) held since april 09, both at hsbc. i wanted to transfer the cash isa balance into the cash e isa as the e isa has a lot better rate. (quite large sum in the cash isa but paying a crap rate). anyway they say i cant transfer…
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What ISA account
I have £1000 saved in a my saving account I have been told i be better to open an ISA but i have tried to read up on them and confused. Can anyone tell me what would be a good one for me i would like one i can access by the internet and withdraw if needed for that rainy day. Thanks in advance Carol
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ISA Transfer
I've currently got an ISA with Manchester BS with a 45 day notice period. The rate is being reduced on 7th December from 3.26% to 2.71%, and therefore I want to transfer out. Been looking at the fixed rate deals available, such as the 2 year Bradford & Bingley, but am worried that should I transfer the rate will drop…
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Natwest error gives me good ISA Rate
Natwest messed up a transfer internally back in the spring and closed my cash-isa and transferred all my ISA money to a lower rated E-Isa I already held. After a perplexing amount of phonecalls and letters of complaint they admitted their error and resurrected the account. Currently it would appear that when they recreated…
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Start an ISA now or wait untill April
Hi all, Im now in the position to start saving £300 monthly, however in March/April next year I'll be using most of the money I will have saved (car purchase :j) Do I set up an ISA now (and therfore be locked into that ISA's rate) or just keep the money in a current account and get an ISA in March/April. My reasons are…
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Are Bonds included in the stocks/shares element of an ISA?
Are Bonds included in the stocks/shares element of an ISA? I'm not really sure about this and would appreciate any help. Does anyone know of any comparisons for investments in the stock/shares element of ISA's? thx
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Untouchable £1500 in Coventry ISA
Hi I just topped up my Coventry ISA with my additional oldie 1500GBP allowance. However my online account says (just an example): Balance to 20/10/09 10,000 Added from bank acc nnnn 1500 Balance at 23/01/09 11500 Money you can withdraw at 23/10 10,000 So why can't I draw the full 11500 if I want to?? The 1500 has been…
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The best reason yet why you should use your tax free ISA allowance
I've just come across the following website which shows the extent of our national debt and the way taxation is going to have to increase massively to meet it over the coming years. :http://www.debtbombshell.com/ Those who have built up a tax-free savings pot through ISAs while they still have any money left will probably…
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Alert YBS E-ISA/Barnsley Online ISA
The Barnsley BS is now just a trading name of the Yorkshire BS, since their merger. The ISA they are offering:- http://www.barnsley-bs.co.uk/savings/online_accounts/online_isa.html seems to be a carbon copy of the YBS e-ISA :- http://www.ybs.co.uk/savings/interest_rates/eisa.html but with a 0.75% bonus until 31/12/2010.…
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Opening 2 Cash ISAs in one year
I have two cash ISAs, one of which is a standard Cash ISA, and has been running for nearly 10 years. The other was a TESSA ISA that is now a standard Cash ISA. Together they amount to over £50K, the FSA savers guarantee. They are both earning seriously bad interest rates, and I want to transfer them both to get better…
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Two ISA's
Hi, I have two ISA's I opened an account with self trade a while back and have a small amount of cash in there which I did put in earlier this financial year (about £3K). Because self trade doesn't let me buy many US stocks, I have signed up to iii. Can I still keep my previous ISA open as it was opened a couple of years…
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Fixed Rate Bonds
My current savings account is ending soon so I am seeking a new savings account. I am willing to open a five year fixed rate bond but in case of emergency I would like access. I am willing to pay a penalty. Also I would like to receive the interest monthly.
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FTSE tracker ISA
I've got a sum (just under £4k) which I shouldn't be needing any time soon, and was thinking of putting it into an ISA. I'd like a good return - of course - but losses would not be the end of the world so I can take some risks with this. I don't have the knowledge to buy and sell individual shares (and don't see myself…
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Transfer ISA advice
Hi I have just over £7300 in a First Direct Cash ISA which I want to transfer to another ISA. (First Direct are only paying 0.20%) I have filled my allowance for this year and I will be depositing a lump sum next april to fill next years allowance. Can anyone recommend a good Cash ISA account that allows for transfers, has…
