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moving a small ISA
I'm considering moving my small (1500 quid) s/s ISA from hl.co.uk to Charles Stanley for their lower annual cost. What would be the cheapest and lowest hassle way to transfer ? I'm considering closing the hl account and withdrawing to my current account and then depositing as a lump sum into the new CS account at the start…
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Worth fixing for a year for 2%
Hi all I have a Virgin ISA with a variable rate which that is reducing to 1.5% however Virgin have some exclusive offers one of which is to fix for a year for 2%. Deadline is 05/04/14. Do you think it is worth fixing given the poor rates currently available? Cheers
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Santander ISA Question
I've already got a 2013/14 ISA with Santander, although I believe the interest rate may possibly have dropped (I had a letter, didn't pay too much attention to it as I assumed I'd be switching). As it turns out, yet again santander is the best option for me to save with (instant access - we're planning on buying a property…
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ISA Manager Error - Cash to S&S ISA Transfer
I recently applied to my S&S ISA Manager, M&G Investments, to transfer £4000 from an Instant Access Cash ISA with Santander, and correctly completed their Transfer Form, indicating that I wished to make a partial transfer of £4000 of previous years' subscriptions in the Santander ISA. Obviously the form was sent to…
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Cash ISA's- how long should you keep them?
We have had ours for a number of years and regularly put 50% of our allowance into cash. Now we are just turning 50 I am starting to wonder if cash ISA's are a sensible option in terms of planning for retirement. I have S&S ISA's and a personal pension also but do cash ISA's make sense in the long term?
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Quick question on Leeds BS ISA
Hey, I was thinking about going for the Leeds fixed 5 year isa as it's a better deal than my current instant access account. The fact that I could withdraw 25% without penalty was appealing to me however looking at the general investment conditions PDF it says that transfering funds from your account via CHAPS costs £20…
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Is there a fixed rate ISA early redemption spreadsheet anywhere?
The MSE discussion about the Coventry BS 2.75% ISA shows the effect of early closure or withdrawal, based on % rate and the days notice required by different banks. Does anyone know if there is a spreadsheet or calculator anywhere to use to show this for other providers? If not, MSE, any chance you could make one?…
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S&S as a interim between now and jun/jul
Hi guys, I'm looking for some advice on stocks and shares ISAs. Ive put this years allowance into my Cash ISA but still have the remaining figure that i could put into a S&S ISA. Im not very clued up on stocks ect but am thinking is there any possibility i could find a low risk S&S ISA that i could use until the new ISAs…
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Non tax payer and ISA
Is it worth putting cash into an ISA? My husband is self employed and earns below the tax threshold each year. As he is mid 50s he is now very unlikely to become a taxpayer. I have a job and pay basic rate tax. Almost all our savings are in his name. Question is, should we still be putting cash into ISAs each year or would…
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Transfer - Same Bank, different Account
Can I transfer my Cash ISA from a Santander account, which has just reverted to a low interest, to another Santander account - their 1.6% Cash ISA. I.e - Can I transfer my cash ISA from one account to a different account, within the same bank? Or is the higher rate account intended for new money from another bank ??????
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ISAs with monthly interest option
Looking for some choice among providers offering ISA interest on a monthly basis as I need it for household running costs etc. Currently with Virgin which has this option. Anyone know of other accounts paying monthly rather than annually? Pity more of the big names don't offer it as a matter of course. Many thanks
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Nottingham Starter ISA issue 3 maturing
I took this up April 2013 and have now completed monthly payment and this matures on 5 April 2014. Currently I do not wish to take up any current offers they have for 14/15. Their notification states that they will transfer this to a holding a/c on 6 April and pays 1% I just want to confirm that ths holding a/c will be…
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Junior ISA maturing - what now?
Hello, First of all I apologise in advance for my complete lack of knowledge, and if this topic should not be posted here. My Junior ISA is going to mature in about a month (so before the new tax year). I've read all over, and I still can't decide if I should put the money into a new ISA (fixed or flexible) or a savings…
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Confused!? Does Martin have the Halifax ISA rate correct?
I've just followed the MoneySavingExpert.com website link to further investigate the Halifax ISA rate, but the Halifax website says that the 1.55% includes the 1.30% bonus, not that the bonus is in addition to the 1.55%. It also says that the rate drops after 12 months down to the 0.25%, which is the rate without the…
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Santander 2 year Fixed Rate ISA
So I am transfering my existing Santander ISA to their new fixed rate one but I am a little confused. I understand I can only pay in my allowance for 2014 to 2015 between the start of the new investment year in April and the end of May. It specifically says any further deposits after that date are not allowed. Does this…
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Can I transfer money for this year into coventry ISA 2.75%
Hello all, I notice the 2.75% 3 year fixed ISA from coventry BS is a good rate. You can only invest 2013/14 full allowance. I wanted to ask fellow moneysavers, as I have already used the allowance, can I simply ask coventry to transfer the full allowance from my current ISA provider?
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isa new/old confusion
If I've maxed out my 13-14 isa allowance but want to open one of the current deals do I have to wait until the 5th April or can I open but wait to pay in? Some want a min payment to open the account and I don't want to fall foul of the rules! Many Thanks!
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Isa
I had an ISA and paid the maximum into it for years then left the UK but made more payments for some years after. Will I lose all the tax benefit on my ISA or will I get taxed on any gains made on contributions made after leaving the UK. I don't think I could work it out! When I want to withdrawing the money should I just…
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P2P to be included in NISA ?
Can anyone advise me if p2p investment might be included in the new NISA ? Paul
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New ISA Allowance - 1 July- top ups?
Has anyone got any clarification on how the new allowance will be applied to fixed rate isa's? Lots of people will open Fixed Rate ISA 6/4/14 and pay in their £5940. Most Fixed Rate Isa's within their t+c's don't allow top ups after a certain period. So by the time 1 July comes round do you think the government will force…