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Clydesdale 40 day notice ISA RATE CUT
Received today,notice of rate cut of 40 day ISA They have also cleverly realigned the deposit bands Rate change is on 11th March 2016 Current 24k and over 2% 9k>23999 1.50% £1-8,999 1% From 11th March 2016 £30k and over 1.75% £15k-29,999 1.50% £1-14,999 1% Time to move on...
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Initial Deposit on Home ISA
Hi, I opened a First Time Buyer's ISA last month, but paid in £1 as a test transaction before trying to move the other £999. Halifax wouldn't let me, and said the £1 counted as my initial deposit and I can now only put the £200 a month in. My mistake, fair enough, but I wonder if I can now close the account and open a new…
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Help to buy ISA and inherited property
Almost 2 years ago my mum passed away and left me a half share of the family home, my sister was left the other half. My parents owned the house outright. My dad and I still live in the property. As far as I'm aware the terms of the will dictated that my sister and I have no control over the property whilst my dad still…
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Save to buy isa & isas
You can't have a save to buy ISA and open another ISA in same tax year, but can you open a save to buy ISA and top up last tax years ISA which is not full
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S & S ISA and new £5000 dividend allowance
I have a query re the new £5000 dividend allowance: My understanding is that the 10% dividend tax credit within Stocks & Shares ISAs was abolished in 2004 and that therefore dividends received from funds within an ISA are taxed at source at the basic rate (so the only benefit of holding equity funds in an ISA is for…
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What to do with £15k windfall?
I have recently received an unexpected windfall of £15k and am unsure of how best to squirrel this away. I have not had the opportunity to save much in the past and so haven't a lot of experience of ISAs or savings accounts but I would like to use this as a kick start to try and save for a deposit to buy my first home. My…
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Open a 2nd cash ISA in one year
Hi all, I have a small dilemma with my current cash ISA for this year (2015/2016). I opened a Nationwide e-ISA in June last year, but due to various complications, I never managed to transfer either my existing ISA balance into it, or any new cash for the 2015-2016 year. As such, this is an ISA with a £0. I'm now looking…
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Halifax 4% ISA
Hi all I don't understand how works 4% on ISA saving account. I will save 200£ each month how it should be but I can save like additional 1K each month. Does this 1K will be on 4% savings or it's just for 200£ what I will pay monthly? Thanks
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How much will I save overall with my Help-to-buy ISA?
Hi all, I plan to open an Help-To-Buy ISA, and would love to open one today, but to save up the £1200 recommend deposit (for the maximum bonus) I would have to save for six months. My query is, if you get 25% bonus on all savings, won't 25% of 6x£200 be the same as £25% of £1200? Why is this initial deposit special? I know…
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Help to Buy glitch/ what should I do?
Hey guys new to the forum so I'll start by say a big hello! :j My current issue, I currently have a current account with Barclays and also a cash isa with Barclays. Keeping things simple as I can.. In the isa I had 4000 old money and 4000 new money (money paid in this current tax year) So in total £8000 in my isa I setup…
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Cash ISA & Help to Buy ISA
Official MSE Insert: We've a fully researched Help to buy ISA guide you may find helpful. Back to the original post... Hello there, Bit new to the world of ISAs, saving, etc, and have been reading up on advice online. However, a few things I'd like to be confirmed to me for peace of mind if anyone would be willing to…
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Help To Buy ISA (2 questions)
Official MSE Insert: We've a fully researched Help to buy ISA guide you may find helpful. Back to the original post... Hi people..... I have 2 questions about the Help To Buy ISA.... 1. I have already got an ordinary ISA opened for this tax year. I am guessing that if I close it then it will be ok for me to then apply for…
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H2B ISA Advice
Hey Guys, Right quick question. Recently Graduated, 24 - Pension scheme in place and have started working. Looking to start the saving ladder towards future investments (Home, Business etc). Seems a no-brainer to have H2B ISA from Halifax at this stage; which isn't a problem for me to sort. I currently have an E-ISA with…
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Help to Buy ISA Dilemma
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... I currently have an issue where I took out a Halifax H2B ISA at the start of December but failed to notice that the £1000 initial deposit had to be payed within 21 days so when I attempted to deposit…
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Earliest Closure Date HtB ISA
What is the earliest point I can close a Help to Buy ISA and still get the bonus? Our housing plans could potentially accelerate rapidly with an offer going in shortly. I have committed the maximum amounts to the account. I assume I don't have to close the account before putting an offer in. My understanding is that I…
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Help woth help to buy ISA
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... I'm looking to buy my first house this year and think the help to buy Isa sounds a good idea, but what happens if the house price was outside of the 250,000? The house I am looking at is a new build and…
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halifax transfer glitch
I have been trying to transfer money from online account at Halifax all day to daughter's help to buy isa and it says there is a problem. I wonder if anyone else has had this? No email, just tweet or ring tomorrow, very frustrating!
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Opinions on my core and satellite portfolio approach
Hi all, I have been going back and forth with my investment portfolio ideas but after reading an article on Monevator about choosing a total world equity tracker I am re-evaluating again. Background info: I am 26 years old with a view to invest for the long term (>20 years). I have no debt. My approach is to have a core…
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Help to buy ISA - Contributions
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... With regard to the new Help-to-buy ISA, I plan to get each of my children, all in their early twenties, to set one of these up, and so that they and I can contribute to them every month. The problem is…
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Trusts
I hope this is correct forum! Can a trust be set up to benefit grandchildren, such that the trust sum is equally provided by both grandparents,and if set up now ie start of 7 year pet period and becomes inherited after second death, or will half be inherited after first death? I am trying to maximise the period of…
