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Cash in my ISA?
Hi there, Can anyone give me advice on cashing in an ISA please? I have around 4k in one and desperately need to withdraw it but Santander have told me I might not even get back the 3k I originally put in (it's been going for a few years) and that I might only get 1-2k. Does anyone know if this is likely? I desperately…
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Stock and Shares ISA's
Hello one and all, Apologies but I really am confused as to how these work. I currently have a Cash ISA that I am happy with, but am looking to also put some money into a Stocks and Shares ISA so as to Maximise my potential Tax Free savings. However I still don't understand how they work.* How does one invest the money? *…
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When to transfer your ISA (confused)
I opened a new ISA before xmas as I finally got my act together. I transferred my existing ISA into what was then one of the best instant access ISA's with Northern Rock. I've not added any additional funds, only transferred. So when should I be looking to open my next one? If the good deals happen in March, am I able to…
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Natwest - ttransfer in 3.9% for 2 yrs
Hi, I am thinking of transferring 2 of my ISA's into the Natwest Fixed rate ISA, 2yrs, 3.9%. I have a little concern though, this is a good rate and yet it hasn't been mentioned on here as one of the best rates around, why is that? Am I missing something? Thanks for any replies. Sue
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B&B building Society shares-transfer into ISA
Hi, Myself and my husband have shares in Bradford and Bingley and we was thinking about transferring these into ISA's. Has anyone done this and how easy is it please? At the moment the shares are doing nothing so thought they would be better off in an ISA, is this possible? Thank you for your help in this matter. Sue
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Barclays Loyalty Reward ISA - 3.05%
Barclays have launched an ISA called Loyalty Reward, paying 3.05%. Details here. The rate includes a 1.00% bonus for 12 months. It is available to customers with either a Barclays current account or £500+ saved with Barclays. It is guaranteed to track at 2.51% above the BOE base rate for 12 months and then continue to…
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Halifax ISA Fixed Term Interest Rate Lower Than Expected
My Halifax 2-Year Fixed Rate Cash ISA matured on 6th February. They sent me a letter saying that I could re-invest the money in a new 2-Year Fixed Rate ISA, if I let them know five working days before the maturity. They said in the letter that the current two-year rate was 3.7%. So I told them to re-ivest it. However when…
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Starting an ISA - paying in monthly
March marks the point in time where I successfully pay off all of my debts and the lingering overdrafts from my student days. It also sees the first of my payslips with a marking for payment into my firm's pension fund! Seeing as I am being all grown-up, I thought I'd carry it over into starting saving in an ISA. My idea…
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Nationwide Online ISA Issue 3 (3.1% AER) - Need FlexAccount or just CashBuilder a/c?
Hello, MSE says that to get the Nationwide Online ISA Issue 3 (3.1% AER) that one needs a FlexAccount but the Nationwide website suggests that the ISA can be opened at the same time asa CashBuilder card account i.e. one does not need to have or open a Nationwide FlexAccount current account?
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S&s isa
Hi, I have £5100 in H&L unfortunately it's just sitting in the cash account and not doing anything. Obviously with the next ISA deadline looming I'm looking to change this but given the deadline and that I've failed to invest the initial amount I'm cautious of committing more funds (potentially upto £27k come 6 April…
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Where would you save money for short term
Is it worth me putting £500/month into an ISA account in the tax year 2012/13 if I will be taking the money out by september? Or should I just stick to a regular savings account? Don't know if it makes a difference but my ISA interest is 2% and the regular savings is 1%
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Cash ISA Transfer
Hello, I currently have a Halifax Cash ISA which I have been saving into for the last year. My introductory rate of 3% is about to expire next month and I'm thinking of transferring. However I'm unsure how I would go about this. At the moment I assume I should open a new ISA with a provider then complete a transfer…
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Transferring "old money" from cash ISA into a S&S ISA. Query
So, this years cash ISA allowance has been maxed out a long time ago. I also read that you can't subscribe into 2 ISAs in the same tax year. I've subscribed to a S&S ISA (this tax year) through an IFA which has a £68 or so yearly charge. Since then i've helped my brother out with his S&S ISA through Hargreaves Lansdown &…
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transfer & interest
i have an direct isa with nsandi & am thinking about transferring into the nationwide online 3. i cant see that i would lose any interest from nsandi by doing this transfer but & sorry if i am not making sense, what happens to the interest i have already accrued from last yr? its always paid in april, & i am planning to…
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12th March - Santander Cash ISA announcement alert!
Just like to give a possible heads up for anyone thinking about getting a cash ISA soon. I went into my local Santander branch to ask about shifting my current isa with them to a better paying one. This was something Santander allowed until last year and I was hoping that they may have bought a new one. I was not looking…
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Isa transfers
Sorry if this is a well known fact about isa's but this is my first year saving in one. Come April can i transfer X amount into one isa (fixed for 1 year) X amount into another isa (fixed for 2 years). And open another for next years allowance.
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Transfer your ISA to RBS=3.35 %
http://www.rbs.co.uk/personal/savings/g2/isas.ashx Not a bad offer for a one year term and since we all have a stake in RBS,we should all do our best to support it through this difficult period so that it is once again strong.
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interest on isa over long term
Hi, I am saving up in isa's for the next 5 years to build a house deposit. What I would like to know is if i am better off keeping all the money in one isa( even if i keep transfering year by year the whole amount)in order to get more interest at the end of that time or is it better to put some in a 4 or 5 year fix.…
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MSE News: Junior Isas: should parents choose cash or shares?
This is the discussion thread for the following MSE News Story: "Parents can choose cash or gamble on the markets with an equity Isa. John Chapman, TQ Invest MD, explains the options ..." Read the full story: Junior Isas: should parents choose cash or shares?
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couple of ISA questions - not sure if I fully understand
Right, so. I've never transferred before and finding it a little confusing so any help you kind people can give me is much appreciated. I've always had my ISA in a single account with halifax. When the new tax year starts my rate drops from 3.2% to 0.5% so I'll be wanting to move my cash ASAP. What I would like to do is…