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S&S ISA's for 10 years with low(ish) risk?.
Afternoon all! I am 52,higher rate tax payer and looking to invest £10,200 into S&S ISA to cover this & next years' allowance. I can miss this money for 10 years & want to find a secure investment. I have read lots of articles and scanned many threads here. I know the ultimate decision(and responsibility) is mine but I am…
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ISA's and moving cash around ?
Hi all I see advice from Martin and others stating that cash tied up in an ISA on a good rate last year may not be as good this year after first year bonuses and incentives have been taken - and to avoid this you should move the cash from an underperforming ISA to a new ISA which accepts transfers in. My question is this…
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Problems in transferring cash ISA
I am currently transferring an ISA. The old provider closed the account on 15 March and they say they sent a cheque to the new provider (Nationwide) on 16 March. A week later, despite chasing Nationwide, I am still waiting for the money to appear in my new account. Thus I have missed a week's interest already. Why then are…
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Santander Flexible ISA
Hey, hope someone can help me with this. My father opened a new ISA with Santander, is it normal for them to send a email rather than paper work in the post? They do say internet login details will be sent in 10-14days time, Copy of the email below Your Santander Flexible ISA Thank you for choosing to save with us. We're…
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ISA Promotion in 2010???
Hi all, as its now nearing the new Tax year, those with a little ISA on the go will know this is the time of year were banks try to push us away from our existing Saving's Ac's & ISA's and into their lovely new ISA's with promotions galore everywere we look. I dont know if its the economic climate or what,.... but i cant…
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ISA Transfer- I have no clue please help!!!
Hi, Can someone help? I have an ISA with a few years savings in it. Just found out my current bank has dropped my intrest rate to 0.75%. They have advised me to move it to another bank if I want a better rate, which I am happy to do, but... If I move now, will I still get interest on the 31st March/1st April with the new…
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ISA Interest!
I have had an ISA with RBS since 2000. The interest rates are abysmal, so I have transferred it to Northern Rock's 3.5% Fixed Rate ISA. I have received my closing statement from RBS and on a balance of nearly £40,000 I have received £35.84. Surely this can't be right? I take it I will get more end of year interest either…
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ISA Newbie
Hi all, I've been a reader on here for a long time, but never had anything constructive to give so haven't signed up until now Right, I've never had an ISA before, and have been reading Martin's tips on which is best etc, noticing I've only got a really short time to use my 09/10 allowance.. I've luckily got a bonus from…
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ISA Contributions - Santander
I transferred the full balance of my old ISA into the Santander Direct ISA Issue 3 and the funds were deposited on the 12th March. I had contributed 3600 already this year, and the online statement is showing that i have contributed this, however it says beside it that 1500 contributions remaining. i thought the 5100 limit…
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ISA Transfer & Open New Account
Hi, I think this has been covered very similarly in other posts but I just wanted to clarify my own situation before ending up in a mess. What I currently have is 2 ISA's, one with Halifax and one with Barclays. I haven't touched my allowance for 2009/2010 at all. What I want to do is transfer the Halifax and Barclays ISAs…
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Santander ISA contributions allowance incorrect!
I transfered some money into my ISA just to realize unused allowance info listed was incorrect. Phoned the service and they confirmed that the allowance info was incorrect. They are aware that some online customers have been given incorrect info with regards to their allowance contributions. If they are aware why don't…
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2 year fixed rate halifax ISA Saver......
Hi, we currently have an ISA with the Halifax (ISA direct reward). We have just had a letter from the Halifax offering 3.5% if we transfer the money into their 2 year fixed rate Halifax ISA Saver. Are there any better rates for transfers? Have had a look but haven't seen anything. Thanks Annie
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Silly ISA question
I have two ISAs paying poor rates and want to transfer them to a new ISA which pays a higher rate. Birmingham Midshires allows transfers in to a new ISA and has a good rate but I was told by them this would then be my new ISA for 2010/11. I don't however want to pay my 2010/11 allowance in to this one because it is not the…
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Tax free ISA's for 10/11 tax year ? Rate Dumping
hi all Would anybody out there able to advise on the best course of action to take regarding the new 10/11 tax free isa year as currently I am looking at new rates and I'm getting fed up of being rate dumped half way through the year when I take out a tax free ISA. I understand that NO Tax Free Isa is rate proof and is…
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partial transfers
Having transferred isa's before in previous years I understand how the transfer process works but I have come across a situation which im not sure how to proceed. Basically I have an reward isa with a&l which covers the 08/09 & 09/10 tax years. The isa loses its bonus period after 12 months, the first maturing in april and…
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Santander e isa nominated account
Well i have opened a santander e isa and registered online to access the account, but i cannot add a nominated account as santander want me to phone them for a form. This is the only account i have with them and i cannot believe they will not let me do this online. Has anyone else had the same problem?
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10k, how would you invest it?
I've got 10k sitting in an ISA doing very little and i'm wondering what else i can do with it. I don't want anything too risky, but i'm prepared to put it into low to middle risk deals. Any advice?
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Best deals before or after deadline?
I opened my first ISA this year and its full up, looking to add to it ASAP after the deadline. Do the best deals normally come up before or after the ISA day deadline? ie is it worth opening another ISA now to get the rate or wait until the new ISA year? Thanks.
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Halifax ISA Direct Reward Question
Hi does anyone know what the rate of this account is based on - at the moment it is stated as 2.60% however is part of this the Bank of England base rate with the rest being a 'bonus rate' or is it just random and basically can change at any time if Halifax wanted to do so? I did try and ask this question to someone at…
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Advise needed
About 4 years ago I put 3000 in a Halifax S&S ISA, from reading strings on this site now know Halifax is not a good place for S&S, but as I did not have anymore money to add to it so it most probable did'nt matter to much. Circumstances have changed and I can now put 250/300 a month into a S&S ISA and of course transfer…
