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nationwide isa
is 3 years to long even at a good rate of 4.40%
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how long should it take tro transfer
i have opened a new FD isa and filled in the forms to transfer my santander isa and funds to FD one. how long should this take? thanks
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Withdrawing funds from ISAs
I think I probably know the answer to this but thought I'd ask before I did something stupid. I currently have two Cash ISAs (one from last FY and one from this FY) and a Stocks and Shares ISA. Due to a family emergency I've had to quickly provide quite a lot of money to a family member (long story so I won't bore with the…
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Cashing in shares and opening an isa
The shares in the company i work for have steadly increased in value from £1.58 when i first got them to £3.04 today. One of my colleagues has advised me to cash in the shares and put the money in an isa, the value is aprox £1200 earmarked for a rainy day. I know nothing about shares or isas and was interested in other…
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Alternative to FD for instant access cash ISA that allows transfer
Can anyone tell me the highest paying instant access cash ISA that allows transfers that is not First Direct for a balance of £3500 and has no notice period? The MSE article only gives you alternatives for £9000+ and 120 day notice period
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Which one of these ISA's is best?
Hi Currently have £13k in ISA with KRBS, it has a rubbish rate of .5% at the moment. They have these on offer: http://www.krbs.com/ which all seem basically the same apart from the rate and obviously the length of time each rate is guaranteed for. I know there is a 100 day penalty, but that really isn't too much of a…
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New to ISA's.....Help!
Hi there, I need a little help with the follow...please? Me and my wife are looking at putting money into an ISA for 2009/2010 and 2010/2011. I understand we can both do £5,100 into a cash ISA for each year....is that right? A & L looks good but the bit we don't understand is what happens after the rate drops? Can we move…
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Possible ISA transfer
Wondered whether anyone could please advise. We transferred previous years' ISA accumulated money to Abbey Direct ISA, during June 2009. Not including 2009/10 ISA allowance. As the rate has now decreased, is it possible to transfer (again) to higher paying ISA account with another company who accept transfers in, obviously…
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Changing Isa advice for a newbie
Hi guys, I currently have only one cash Isa with Hsbc and have around £21k in it. This figure includes 3600 put in the year 09/10 (this tax year). My question is can I apply for the Aliance and leicester Direct ISA Issue 6 now or do I have to wait until the new tax year in april? Whilst reading many of the valuable posts…
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Isa Help for dummies
Hi please could someone help with a few cash ISA questions apologies if these questions have already been answered. Each year if I add the Maximum amount to a cash ISA is the total sum accrued over several years tax free and is there a limit on how much you can hold in this type of account. One other thing if a fixed…
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what to do with my ISA?
i currently have 8k in aNatwest e-ISA at the 2.72% rate. I'm not too clued up what else is on offer....is it worth changing or is this rate still one of the best around?
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Barclays Cash ISA - Golden ISA issue 2 - 3.10%
Just to add to the recent ISA rates, this releases from Barclays tomorrow. Golden ISA issue 2 - 3.10% includes a 1% bonus for 12 months.
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Help with new S&S ISA and fund supermarket required
Hi, Just about to start my first S&S ISA. I have a lump sum of £500 initially to invest (I know not a lot) and am happy to be very high risk as it is a sum I can afford to lose but ideally would obviously be delighted with long term growth. 10-15 years + My initial choices therefore are a 2 fund portfolio: Aberdeen…
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Halifax ISA Direct Reward - new version 2.6% for 12 months
Guaranteed rate for 12 months 4 penalty free withdrawals allowed with no interest penalty Minimum balance £1,000 Transfers in allowed I had this account last year and liked the compromise between a guaranteed rate and (limited) instant access. Sadly it's only 2.6% vs last years 3% but still a reasonable option for…
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New ISA's 2010-11
Does anyone have any idea when new rates are normally published to entice new money into ISAs? I seem to remember last year that there were limited rates around where by you got a better rate if you applied early in the new tax year. Does this tend to happen most years? Last year I got the Barclays 3.61% rate which was…
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ISA and transfer ISA
Hi Apologies in advance if i am stating the obvious but I am confused. If i open the Santander ISA - I know it doesnt allow transfers in so if I want to move the £22k I have in a NAtwest ISA do I have to wait til after april and then open a new ISA for that tax year that allows payments in? Thanks
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Isa question
I have recently aquired a small sum of money and will be looking to put it into an isa from now until april. I have done a quick online search and have seen alliance and leicester has the best interest for a first isa. If I apply for this one, would I have to transfer out of it between April 2010 - 11, or would I be able…
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Index Linked Gilts vs NS&I index linked certs
Which is best? The directgov site says you can invest £5,000 in Gilts without paying tax, including Index-Linked Gilts. However, I can't work out if these pay more than NS&I Index-Linked Certs. The ILGs pay 1.25%+inflation whereas NS&I pays 1% - however, the ILGs are traded and sell for what the market is willing to pay.…
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Isa equity funds
Just trying to fine tune my understanding of ISAs. I plan to invest £7200 as a isa equity - is it risky putting in a lump sum, or far better to pound cost average it per month £600 pm) Also just thought , if me and my wife used the full allowance -that would be £14,400- but because it would be thru DDebit -it would be a…
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santander shortchanging on Direct ISA issue 3 interest?
I am posting because I think Satander have paid me too little interest on an Direct ISA issue 3 which was supposed to have had a 1.5% bonus on it over the past 12 months. The sage goes back to March 2008 when I opened an Abbey Direct ISA issue 2 nd (after much hassle and delay at Abbey end, leading to a letter of apology…
