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pension lump sum
after i have bought myself a new car, maxed my oh's ISA and given the kids some, I will have approximately £10k left. Anyideas what to do with it for the best. My OH is a pensioner and his tax allowance is £9k plus. can we open a savings account in his name or a bond in his name to save some tax or is that not allowed…
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ISAs benefit banks most
Looking at interest rates I am always disappointed that ISAs are significantly lower than normal, taxable savings. There may be longer term benefits but they are not guaranteed. I'd rather earn more and pay tax on it than allow banks to rip me off with pathetic ISA rates. How do they get away with offering 4% -5% in normal…
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Nationwide 5 yr FRISA
i've just transferred my isa of £6k from hsbc paying 1.75% to nationwide's 5 yr FRISA paying 4.5%. just wanting your opinions on what you think of the move. is there something else anyone would've recommended? i don't need access to the money. my primary reason was that this is the highest paying ISA available and i am…
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Nationwide FRISA Maturing...
I have a FRISA with Nationwide which is due to mature on 28th October. I have two options (I think!): 1. I opt for another FRisa for 2 yrs at 3.5% with Nationwide 2. Transfer the whole balance of the FRisa into my Natwest E-Isa (opened Feb this year) which is therefore currently attracting 3.2% interest. Any ideas on which…
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Abbey safety plus
Hi there, I invested just over 5k in a safety plus over 5years ago and it`s due to mature next month. This plan has a guaranteed return of 18%. My worry is that I don`t have an Abbey account anymore and my local branch are not very helpful. I asked them what happens when it`s due to mature and they said "oh they`ll be in…
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Stay put or move?
Like a lot of people with an ISA, I have only ever had one and have never tranferred to other providers. Right now I have 12000 in the account (with another 3500 to put in at any point - its currently in a savings account), plus the interest which is put in at the end of October. The account I have is paying 0.5% rising to…
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Cash ISA for deceased person
My wife recently died. She had a cash ISA with First Direct. I am the sole beneficiary of her estate. In due course, when First Direct pay out her balance to me can I have it transferred into my ISA account with Halifax, or does the ISA wrapper effectively die with her?
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S&S Isa Question.
I have a self select S&S isa with III. I have £3,600 split between 3 funds: Blackrock Abs Alpha UK Aviva UK Property Fund Jupiter Financial Opportunities If I sell out of one of the funds (I want to sell out of Aviva and buy into 2 individual commcerical property REITS or a commercial property fund) what happens to the…
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Toisa to isa to top up?
Quote from this site 'Since April 2008, all Toisas have become simple Cash ISAs, meaning all normal ISA rules apply. You can no longer add funds to an old Toisa, but if you have any money left in one, you can transfer it and up the rate. You're then able to add funds to transfered Cash ISA account.' Does this mean I can…
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Lloyds FRISA - October top up
Well it is now the 6th October, anyone managed to top up the £1500 into their Lloyds fixed rate ISA as you are supposed to be able to do now, if over 50? Nothing on the website when you log on allowing you to transfer in extra cash. If you can transfer into the FRISA is it at the same rate as when the term started and for…
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First direct online banking
Hi everyone, I have Cash Isa with First Direct at fixed rate (opened April this year). I don't have any other account with First Direct. Today I tried to transfer money into my bank account via internet banking, but when I try that it says "you cannot set up destination on this type of account. Please choose 1st Account".…
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Barclays ISA's screw up again - No Top up for Barclays Golden ISA
Yes - Barclays screw up again. My elderly mother's Goldem ISA could not be topped up online this morning - keeps saying limit is £3600! despite my mother being 91 years old. Three phone calls later and Barclays finally admit there is an online issue. BARCLAYS = ISA TROUBLES ALL THE TIME
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MSE News: Isa savings limit rises today for over 50s
This is the discussion thread for the following MSE News Story: "Anyone aged 50 or over before next April will be allowed to save up to £5,100 in a tax-free savings account from today. This is because the cash Isa allowance has been raised by £1,500 per tax year from ..." Read the full story: Isa savings limit rises today…
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What to do next? Halifax
Hi my wife and I each had £3K in a Halifax ISA. We then each opened another one with £1K in it. Upon maturity we phoned up the Halifax and requested that the £3K plus interest was transferred into the ISAs containing the £1K. This was agreed over the phone and we left it at that. The 2 £1K ISAs have now got to maturity and…
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My S&S ISA Strategy - am I being to simplistic?
I've got around £3K that i'd rather do something more creative with than simply having it sat earning practically nothing in a savings account. Basically, there are 3 big name companies that I have lots of experience of as a customer, that I feel are well run, have a straight forward product offering (and therefore a…
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S&S ISA vs Savings Accounts
I have a cash ISA which I have maxed out for this year and I am wondering what to do with my savings now? I have about £500 per month to put away and was considering a S&S ISA but not sure. Should I stick to a regular taxed savings account? Obviously my circumstances may change and my saving capabilities may reduce. But…
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First Direct Cash Isa
My wife applied for a cash Isa with First Direct online 2 weeks ago and is still waiting for the paperwork to come through, any ideas how long this takes ? Cheers Ade
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Simple ISA question
I have an ISA from last year, untouched, which is earning diddly squat. I also have some cash i wish to put into an ISA for this years tax allowance. Does my existing ISA count to my current years allowance if i transfer it into a new isa such as the first direct cash isa??
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Transferring an ISA > Getting The Timing Right?
I have a fixed term ISA which matures on the 15th of October. I'm going to transfer it to another bank/BS's ISA. My question is when would be the ideal time to start the transfer process? I don't want to be too early incase I'm in breach of the fixed term and get penalised. Thanks...
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top up over 50s ISA
I have a fixed rate cash ISA for four years with this years initial maximum funds in it. . If I rate no longer on offer) can I then move this portion of the money in the next tax year or am I effectively tied to Newcastle until the four year ISA I initially took out with them expires?
