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Share ISA/Cash ISA
I took out a Share ISA before the great crash :mad: I had £7000 invested up to 2001. at the moment it is worth £5900 It is slowly increasing but has been as low as £4600 :( Is it better to cut and run and transfer it into cash Isa as they seem to be performing a lot better. I know I can only invest £3000 a year but is it…
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ISA to TOISA
OK, I'm sure the answer to this is no, but I'll ask just to make sure. Since a cash ISA and a TOISA are effectively the same thing am I allowed to transfer my cash-ISAs into my TOISA? My TOISA pays a staggeringly good rate so I just thought I'd ask, although I'm sure you'll all laugh and point out the first two letters of…
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Abbey Mini-Cash ISA - Transfer paperwork problem!
Hi, A family member is wanting to transfer their mini-cash ISA from the Abbey to a new provider. Its a branch-based ISA and I think its also a CAT standard. However, they're getting the runaround between new provider (NP) and Abbey as to who is responsible for generating the transfer paperwork - NP says its the Abbey and…
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what is an ISA?
e.g. is it risk free?
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Advice please
Okay...first post. I have a mini ISA worth about £3000 now. We were saving in a 'life assurance' component that is going to be merged with the providers Stocks and shares element. We are unsure of what to do now. Do we leave it in the Stocks and Shares element, change to a Cash ISA, put it in the mortgage? Any advice would…
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Cash ISA Question
I have an ISA with Abbey no savings in it at present but rate for up to £6k is 4.3%. I seen A&L's isa rate 5.4% can I close the Abbey and just open the A&L one? also is the best so far or does anyone know of a better rate? Thanks guys Dumplin
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New Direct ISA with A&L
A&L are paying 5.40% on £1+ with online transactions and instant access. You can transfer funds in and the only catch I can see is that you have to pay £25 to transfer funds out. This could be dodgy if they decide to reduce their rates. Is this a sprat to catch a mackerel? Maybe, but they don't give any guarantees about…
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Yorkshire BS ISA
I have my Mini cash ISA with IF and I want to transfer for a higher rate. I have read all the problems associated with Abbey and had a look at the Yorkshire rate at 5.20%. But I can't believe they don't accept a transfer into their ISA from another provider. Doesn't make sense to me.
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Mini cash Isa's - How many?
Can you hold more than one of these provided you don't invest more than 3,000 in total in one year? Many thanks Somersetapple
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Missold ISA?
Hi, 5 years ago, my mum received some unexpected money to the sum of £2000, and she wanted to put this into an account where she COULDN'T get instant access to it. She just wanted to keep it in an account where it would earn a reasonable amount of interest and tick along for a "rainy day". She was also in a position where…
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Legal & General Tracker - special offer
Legal & General is running a Special Offer for lump sum ISA investments and ISA/PEP transfers made into their Index-Tracking range between 4 January and 13 May 2005. All eligible investors will be able to invest free of annual management charges until 31 December 2005. The offer is applicable to investments into the…
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I.F. Mini Cash ISA Bonus Ends 31/01/05
Should I.F. not extend their bonus period end date [as they did last time] their bonus of 0.3% applying to their Mini Cash ISA will end on 31st January. :'( Therefore I’m assuming that their rates will drop on the 1st February from: 5.10% to 4.8% Gross for interest paid annually 4.98% to 4.68% Gross for interest paid…
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ISA or offset mortgage?
Apologies for reposting this from elsewhere... I have read some articles recently suggesting that placing money into an offset mortgage account would be more beneficial than putting the same into an ISA. I have 2 questions: 1. How do I calculate the best option? Do I simply compare the rates? How does the tax break on the…
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£3000. ISA or ING Interest (4mths)
I would really appreciate your help working out some interest rates: What is the difference in interest between saving £3000 for 4 months Abbey Postal ISA Or Ing Direct The money is currently sitting in ING. Is it worth moving the money? Basic rate taxpayer.
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Advice Needed
Hi all you fine people. I need some advice on what to do. im paying £100 a month into a cash ISA, and £200 a month into a Natwest investment ISA. At the moment i have around about £1200 in my cash ISA , and £1800 in my Investment ISA, im saving up for a deposit onto a house, is it safe to keep my money in the Natwest…
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Can Someone Help Me
Hi Folks, Ok here we go i have currently in my InstantISA(with Nationwide) £1,800 in. Every month from my salary i put away a minimum of £150 (of which i still have 7 months of my job left). I have also been left as part of a family member's will £2,000 which i will be receving soon. Plus also i have some bonds to the…
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Tracker comparison/listings???
I cant find anywhere that does a comparable list of trackers available, lods of site list funds etc but trackers i'm stuck - also do tracker qualify for the stocks & bonds ISA allowance?
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FIDELITY MINI S & S ISA
MY HUSBAND PAYS £50 A MONTH INTO THIS ISA TO USE FOR LONG TERM INVESTMENT. HE WANTS TO INCREASE CONTRIBUTIONS TO AROUND £200 PER MONTH BUT BEFORE HE DOES HE WANTS TO KNOW WHETHER THIS IS A GOOD ONE OR NOT. IT MENTIONS ON THE STATEMENT INITIAL CHARGES OF 3.25% - HE'S HAD THE ISA FOR OVER 3 YEARS - WILL THIS BE THE AMOUNT…
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ISA, income tax & gains
Ok I've read many of the threads etc . but roughly in cash or percentage terms, what kind of differences are we talking about? As I currently only work part time and take home about £2000 a year , I still seem to be paying some income tax . Not sure why I thought I wouldn't as isn't it below my personal allowance? Can…
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Can I buy shares and get ISA tax benefits
I'm going to put £3k into a cash ISA, but i also fancy having a little flutter buying shares myself, nothing major and definetly under the £3k ISA stocks & bonds limit but can these be packaged as an ISA somehow for tax purposes? Would this mean paying fees to someone to do so? I was planning to just buy them myself before…
