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adding to cash isa rules
can a person add to their current cash isa from a joint account if they are one of the account holders? My mother has savings and isa with Yorkshire and can transfer money online from one to the other but the savings account is in joint names and I remember somewhere reading cheques must be in your name. I phoned Yorkshire…
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How to find if AIM share is ISA-ble?
Hi I've been interested in a few AIM shares recently but didn't go further as I have no idea how to check if they are allowable in my S&S Isa. (For those who don't know, AIM shares aren't allowed in S&S Isas unless listed on another stock exchange in addition to being AIM listed). How do I found out? Thanks in advance.
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What do I do about my 'dogs'?
I have few funds who are a real dogs in my ISA. Unfortunately, I left them in there as I didn't actively manage my s&s isa. What do I do? What do I replace them with? Dogs are: Jupiter Income Invesco Perpetual High Income Jupiter High Income Lazard Global High Quality Bond (USD) Income Units Does any body have any…
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Who monitors openings of ISAs?
Who keeps tabs on the number of ISAs opened by an individual and the amount saved in them? I reckon it has to be HMRC using people's national insurance number. They would then excuse the bank or building society from having to send them the tax cut from the interest. After this they will no longer need to inform HMRC about…
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Checking how much money you've invested into an ISA
Is there a way of checking this? I cant remember how much I've invested, but would like to open an ISA trading account. Thank you! :money:
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ISA transfer question
I took out a new ISA with Santander in April this year for the current tax year and transferred my old ISA balance into it. I have not put any money in yet that counts towards this years ISA allowance. Without going into a list of issues I encountered with Santander, I'll just say that I'm fed up with them. My question is,…
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rbs instant access isa
hi, rbs have advised me to open a savings account or an isa with the, after having a look on their website i have concluded that the isa may be better option due to its ease of access (compared to the direct saver) and the higher rates of interest, now i have never had an isa (or even a savings account) before so im still…
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A few quick ISA questions I haven't seen asked...
Hey there Guys! It's my first post here, but I have been lurking for a while, and think that it's time to finally take the plunge! hehe. I just have a few quick ISA questions which I haven't seen asked anywhere, and there seems to be some highly knowledgeable people here that are happy to help.... I curently have an ISA…
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Can I set up a bank account for someone elses baby?
Hello, I know i'm getting £1000 christmas bonus this year. My little sister has had a baby and his first birthday is in March. I'd like to put it in some sort of savings account for him, and surprise his parents for his birthday. Does anyone know if this can be done - or recommend how I do it? Thanks! :)
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Transferring Cash ISA problem
Ten weeks ago, I closed one ISA and opened another, transferring the balance and setting up a direct debit into the next ISA. This DD has not been acted on, even though a large chunk of money was moved from my old account to my new account, and my old bank have received the DD mandate from my new bank. What the new bank…
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Junior ISAs on their way ?
I've just read that the Government are believed to be introducing Junior ISAs next year, whereby ISAs can be set up in a child's name but can't be drawn out until the child is 18. If this is true, it could be another way parents could help their children fund their way through university although the brief article didn't…
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Junior ISAs on their way ?
I've just read that the Government are believed to be introducing Junior ISAs next year, whereby ISAs can be set up in a child's name but can't be drawn out until the child is 18. If this is true, it could be another way parents could help their children fund their way through university although the brief article didn't…
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Is it usual for funds to leave one account before showing up in the next
Hi there, I'm in the process of transferring an ISA and wondered whether it is normal for the funds to leave the original account before showing up in the new one. At the moment my money isn't with either provider and its getting me a little worried! If this is completely normal, does anyone know how long it will take…
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Savings Advice Please!
Morning folks, Hope you can help me, I am having leftover a decent chunk of money each month,£350-£500 from my wages. This is where you come in, im a newbie to mse but follow closely so have been reading up on my options. Here is my situation: Age 22 Cash ISA allowance full for this year Company Pension Plan (fs 60ths)…
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Stocks and Share fund ISAs - what to do ?
Hi Need some advice please. Will shortly need to be able to get to as much of my savings as possible but not ISAs where it is tax efficient to leave them alone. In recent years I have taken up mini cash ISAs which I will not be touching as the benefits are obvious. I have some older stocks and shares fund ISAs held with…
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I am furious with the Barnsley BS
I am furious and I am looking for some guidance. You may remember I posted a few months ago because I took out a 1 year fixed term bond in July and decided I wanted to withdraw. Unfortunately they only give access to the money in exceptional circumstances which I don’t qualify for. Lesson leant and I’ve moved on. Or so I…
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cash isa with santander,stocks&shares ISA with HSBC for this year?Allowed to do this?
Hi all I have a question which im sure has been asked a zillion times before so i do apologise now - but could you please help me clarify something? I currently have a santander cash-isa with maximum contributions made for this tax year 2010-2011 (plus some previous years transferred in). I have recently opened up HSBC's…
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ISA Question
Hi, If you withdraw some money from your ISA during the Tax Year, can you still receive the tax free interest on the amount you use to top it back up again, or is that portion wasted? Eg, I had to withdraw £500 from my ISA during the year. Can I now only get tax-free interest on £4600, or can I fill it all the way up to…
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Transferring ISA;s
I cant find the thread I'm looking for. I want to open a Halifax ISA in order to transfer a previous years ISA into it. However, it seems I have to put in £1 to open the account and then transfer the ISA afterwards. Wouldnt this £1 spent opening it be seen as 'this years money' and therefore prevent me from opening another…
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ISA transfer advice
Can anyone advise the best options for me to transfer my existing Instant Access ISA (with Nationwide) that currently pays around 0.5% into a new & better ISA account. The problem is I have already made a payment into this year – so does that limit my options? For example, will I still be able to make further payments this…
