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Partial ISA transfers - is this correct?
I was aware that you could transfer part of a cash ISA into another existing cash or new cash ISA with a different provider... Now I thought this only every related to 'whole years' - so that your provider maintained an accounting 'separation' between each tax year's subs [and the interest thereon] and so you could only…
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what do people think will happen to isa's next yea
what do people think will happen to isa's next year ?? do you think the government will actually impose a 1000 limit on next year's isa limits in an attempt to promote savings this year ?? do you think post election we will see base rates move and sharper taxation ?? given the current pension crisis will diminishing of…
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Self-Select ISA to Shares Only ISA ??
I have a Self-Select ISA with IDEALING.COM but want to move to ISIS where I have a traditional Shares Only ISA (they are for different tax years). Can I do this and keep my ISA status even though I am going from Self_select ISA to Shares Only ISA? Would I do this by Selling my shares and keeping the money in the…
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Tryign to work out ISAs
Hi, well im probably the 1,000th person to ask this. Ive been reading on ISAs and its well.. confusing. I have plenty of money to invest so not sure if I should be looking at mini or maxi, I can invest 7k if needed but isnt that a mix of stocks and shares not just cash? Im also really lazy so Im kinda willing to take a hit…
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northern rock 6% isa now closed :(
northern rock 6% isa now closed :( has anyone else tried to sign up to this lately i have been told it has been closed :( i had to go for the fixed 5.5% 30 day instead :(
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Dont understand diff ISAs
I currently have a mini cash ISA which is nearing its £3k limit. What are the other mini ones I can open (if any)?? Sorry, but a bit dim when it comes to ISAs, I find it all very confusing! ???
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Isa ignorance
Does an ISA continue to earn interest at the end of the year or is this asking too much? Regards Hussar
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Your Cash ISA interest rate
I was just wondering what interest rate people are getting with their tax free ISA's. Mine is 5.79%. I should note that with my ISA it is linked to the mortgage rate and will always stay 1% less. This is useful with the current rates rising because each time the BoE rise rates the Mortgage rate will always go up the…
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General ISA Info
Hi I need advice on what i can do in relation to my present ISA and any new ones to take out. I have a Virgin Traker ISA which i have had since 1997 it was a PEP but was converted into a ISA paying in £100 a month. On 22 APril 2003 i stopped paying my £100 month due to the monies being needed for other essential items. Can…
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More than 1 Cash ISA per household?
I have invested the maximum £3000 in my first ever cash ISA this financial year. Is my wife allowed to open her own separate ISA or is the 1 ISA limit per household rather than per person (if you see what I mean)? Thanks.
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C*A*T standard ISAs - does anyone bother?
Mini Cash ISA Must pay no less than 2% below BOE rate - so that's 2.5% now, right? ::) From Next April, this will be 1% below Has the CAT been let out of the bag? Did it try to cross the road and get run over? Is the CAT standard of more use where stocks-and-shares ISAs are concerned? What proportion of ISAs…
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Whats the best way to save in layman's terms!
Hi i have been reading on the other savings forum about the limited offer fixed rate at abbey national and i was just wondering if any one could please explain which is better to go for this or a mini ISA? I get confused by all the jargon and rates etc. Basically I want to put between £100-£200 a month in some kind of high…
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Cashing ISAs
I have an ISA that is embedded in just 2 companies. The value of the ISA (which started at £7k 2 years ago) is worth £9.5K. Is it worth cashing in this ISA to take advantage of the gain made? Is it worth cashing in part of it to capitalise on the gain and then topping the ISA back up again (if this is even possible!)? In a…
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Why can you only have £3k in an ISA ?
Don't understand at all. I work full time like most of you, pay tax and NI contributions yet we are taxed on our savings :( Am new to these ISA thingies, great news that its tax free, but why only £3,000 ? Baffled. ??? >:(
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ISA transfer
Hi, I have an ISA with Family Assurance. It was originally going to be used to pay off my mortgage, but is no longer required for that purpose. It's a 'Family Equity' ISA, and the balance is currently about 2/3 what I've paid into it, which I'm not happy about. :( Is it worth keeping in the hope of at least recouping my…
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ISA tracker comparisons
Hi I'm looking for a comparison table for ISA trackers. I would like to see ISAs that track the FTSE 250, and information like charges, performance etc. Can anyone help? Many thanks
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Commission to Financial Advisors
I recieved advice four years ago to contribute £50 per month to a Mini Shares ISA with Skandia. The advisors are no longer interested in personnal finance and have broke nearly half of the agreements stated in the document we signed. The most annoying one being to review my finances yearly which they haven't done and said…
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Abbey ISA at 4.6%
OK, so I've left it until the last minute and then thought that I'd missed the boat. But Abbey (even thought their new branding is crap) look like they've saved the day. But...I can't find any info about this product. I've mooched around abbey.com but I can only find out about postal / easy ISAs that have rates of around…
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M&S Cash ISA up to 4.75% today
They did this 3 days early didn't they.
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TESSAs - 1 month to keep it tax free!
For all of you who rushed to open a TESSA just before they were withdrawn in April 1999 you have a month left to keep the funds in a tax free wrapper. You have 6 months from the date of maturity to transfer the capital (not the interest) to an ISA to maintain its tax free status. This means that for those that opened one…