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cash ISA or stocks and shares ISA?
Ive been looking on my banks website (RBS) at the savings and investments (ISA) and have £500 to invest but am unsure whether to put it in a cash ISA or in one of their FTSE100 tracker ISA's, it will be in the account as long term investment/savings (10 years+) and topped up a few times a year. Any help would be much…
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Transferring money from ISAS
I put £1,000 into an alliane and leiester isa on april 1st now i'm looking to transfer it into a better rate one can i do this or isn't this allowed ( does it mean i've had 2 isas with different banks in the same year?
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Leeds Building Society Inflation-buster ISA, What The Experts Think
Wondered what the resident experts opinion is of this product. :think: http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2008/02/06/cmdealS06.xml
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Transferring two ISA's
Hi all, I currently have two different ISA's that both now have poor interest rates. One of the ISA's I've had for 2-3yrs and haven't paid in any money for at least 2 of those years. The other ISA is just over a year old and has had money both paid into and taken out of in the new tax year (April '09). What I would like to…
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Low interest ISA - what to do
I have some money in an ISA (7k or so), which now has a near zero interest rate. I have already opened a cash ISA for this year - Barclays Golden, which deosnt accept transfers in. Should I close my old ISA and put the cash into a savings account, or leave it there for a year, with the intention of transfering out next…
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Bad web service with applications representative of actual service?
Hi all, Just want to ask for a quick question on the quality of service for online accounts with a couple of banks. I've just had the misfortune of trying to open a isa with m&s, followed by first-direct. I just want one but its actually quite hard to open an account... With M&S first they have an awful online application…
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Nat West - how long will the 3.5% rate last on pre 15th May ISA's
Based on previous experiences have we any idea when Nat West is likely to reduce the rate on the pre 15th May accounts. The information isn’t easy to find in the terms and conditions. TIA Andy
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Help - Newcastle BS Fixed Rate Options ISA 23A - what was the interest rate?
We opened a Newcastle BS Fixed Rate Options ISA 23A in September last year and none of the documentation says what the interest rate and terms were. I had in my head that it was a 1 year fix at 6.2% but am just not sure. Also not exactly sure on what happens to it at the end of the period. Can anyone help fill in the…
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firstdirect cash isa - transferring in but without adding anything for this year
Firstdirect say I have to add something for this year I just want to transfer the old years Is this the same everywhere? thanks
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Monthly or annual interest help!!!
Hi, I'm new on here and just starting to get to grips with my finances! I have an ISA at the moment I have not started to pay into it yet in this tax year. I want to move it to a higher paying isa, possibly a 1 or 2 year fixed interest rate. I have found a few that I may choose but just wondered which is the better option…
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ISA Annual limit- help!
Hi everyone Can anyone help? I know the limit is £3,600 per tax year. I want to know whether it is possible to a) Invest £1,800 new funds with one bank and £1,800 with another bank in the same tax year? b) Open a new account and invest £3,600. Open a second account with a different provider and transfer existing ISA funds…
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cash or stocks and shares ISA?
I have been looking on my banks website (RBS) at their ISA accounts, i have £500 to invest for at least 10 years and add to it a few times each year but im unsure as to which type of ISA i would be better off with, if anyone can give me some advice that would be great, thanks, ollie.
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Moving shares into an ISA
I have some BT shares which I got while working with BT. The annual Dividend income I get seems to be a lot better than what I would receive in interest by selling them and putting the money in a savings account, so I am happy to keep them. I pay tax at 40% so would I save tax by moving the shares into an ISA ? I assume I…
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Natwest E-ISA (how do u know things are moving along)
just opened natwest e-isa & the compusary bank account to go with it filled in the transfer form & handed it into branch office for them to forward it on. Transfering existing isa from B&B to Natwest, I understand each bank has 30 days to sort things out is that right? so my question is how do i know things are moving…
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Transfering old ISA's?????
Was all ready to transfer my old 07/08 and 08/09 Barclay's ISA's to the NatWest E-Isa when I read that the rate has dropped. I'm not very good at this and after reading through zillions of threads I am even more confused! I am looking to transfer the above ISA's for myself and hubby - one has £6,900 and the other has…
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Halifax isa transfer
I transferred my ybs isa to halifax on 16th April. The cheque was posted on the 28th yet it still hasn't been processed. I have transferred my isa a few times over the years but this seems quite a bit slower than normal. I know there is a back log of cheques that need to be processed but I can't seem to get any answer on…
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nat west E Isa
You may like to know that the national westminster bank,have today reduced the interest rate on their E isa on accounts opened on or after the 15thMay09. I was myself and my wife in the process of opening this account online on the 9thmay09 and was supposed to open instantly as i was already a national westminster customer…
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ISA's in a year - multiple accounts or providers
Some of the information in the web pages states that you can only fund one provider in a year. Sites such as the Halifax say you can only fund one account in a year. "Number of accounts - you can only fund one cash ISA during any one tax year." If the Halifax is right what happens in October when the allowances for the…
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Convert Cash ISA to Shares ISA
I'm sure I read somewhere that in 2009/10 we'll be able to convert our cash ISAs in to stocks and shares ISAs. Did I imagine it? :confused: If not, has anyone done this and who offers this service? I've searched on the net but can't find anything.
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Providers of S&S ISA for Gilts
I want to invest in Gilts within a S&S ISA. My bank and building society only offer managed funds for S&S ISA. What I want is to choose my own investments and not be reliant on some fund manager. Where is the best place to go for this type of saving?