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Stock ISA lump or drip
Guys, I've maxed out cash ISAs for many years but held off this year to go for a maxi stocks ISA for long-term growth (say 13 or so years). I read that drip-feeding a Tracker (or Managed fund), for instance, was probably the best way of smothing out ups and downs but would it be wise to drip in the full £7K by the end of…
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Want to swicth my ISA, currently with Abbey
Hey I currently have a Easy ISA with Abbey, http://www.abbey.com/csgs/Satellite?c=GSProducto&cid=1127563083706&pagename=Abbey%2FGSProducto%2FGS_InfProducto However, I'm aware that this isn't the best rate i can get, but because i have a current account and savings account all linked on line its quite convenient. I'm in no…
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sterling stocks & shares ISA
anyone have any information on this ISA?.Charging 4% on each payment you make via an IFA.I am 51 and considering investing the maximum £10,200 in october.Thanks Gary,
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Lloyds TSB Fixed Rate ISA 2008/09 interest
Last year, I opened a Lloyds TSB Fixed Rate ISA. I transferred 3 ISAs into it and added my 2008/09 subscription. Interest depended on balance* £3000-£5999: 5% * £6000-£8999: 5.15% * £9000: 6.5% According to their automated ISA line message interest is back-dated to the date of the cheque. I am not quite sure which date…
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First Direct (FD) ISA's - what is best option?
I took out an interest only mortgage witih FD (Tracker, currently 0.79%) in Dec 08 and have in the past had an ISA in stocks and shares. When that was not performing I stopped paying into it and took out a Regular Saver ISA with FD which matured on 23rd Apr 09. I paid in what I could which was £150pm to start then £200…
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Saving For Deposit On House
Hi, My girlfriend and I are hoping to save some money over the next 2 years for a deposit on a house we are looking at putting £500 away each month would it be wise to put into a savings account or a tax free isa or something else?
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Help with calculation of interest in Lloyd's FRISA
Can anyone please help me confirm how much interest I got from Lloyd's FRISA? The initial deposit (opening the account) was £3,600 on 2 May 2008 followed by a transfer of £9,931.16 on 3 June. The interest they just paid on maturity is £848.90. Does this correspond to the 6.5% fixed rate promised? Thanks for any help!
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Natwest cash isa plus - what a farce trying to open one!
Sorry. Need to get this off my chest. I don't have any accounts with NatWest, so I completed their forms online and these all duly arrived in the post. After checking through their list of what I needed to take with me, I decided to taken them all into a branch so I didn't have to post off valuable documents and wait…
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stocks & Shares ISA vs Shares
I have always just accepted that a stocks and shares isa was a good investment because it was 'tax free' but I recently bought some shares and am reflecting on whether stocks & shares ISA are a good investment. With a stocks and shares ISA I pay an ongoing management fee but with my shares I just paid a small purchase fee…
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Conflicting ISA info ... girl needs unconfusing
Hi, seeking some help - sorry for long post but wanted to get all the detail down. I have read the ISA guides, read posts and phoned two banks today and got contradicting info and from then and then I was advised to phone the FSA who were not sure of the answer and asked me to contact HM Treasury. I am planning to call…
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New october allowance
Anyone know if the halifax isa will allow me to add the extra £1500 in October. I've seen a few products that won't allow it. Boo
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Transferring multiple isas
Providing the product accepts transfers can you transfer more than one isa into it. I have a well establised isa (20k) I'm opening one with Halifax for this years allowance. If next year I find a juicy rate elsewhere and the product accepts transfers will it accept both of the above? Boo
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ISA Confusion
Hi, I have an ISA with ING Direct which I opened this financial year and I have an ISA with Halifax which was opened in 2005 with £3k, which I haven't touched since then. What I want to do now is to transfer the Halifax ISA to Natwest. I have a current account with Natwest. Can I do this even though I've opened a new ISA…
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Principality Isa
I printed off the application form and included documents such as my council tax bill and sent this all off with a cheque 2 weeks ago now to open this ISA but have not yet heard anything back, the cheque hasn't yet been cashed either, how long should I expect to wait to hear something from them?
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Cash ISA
Hi, I have £1000 to put in an ISA (first car savings so far). Can anyone share some advice on who I should open an ISA with? Are there any banks offering free items when opening an ISA? Perhaps an ipod or something? Thanks, Ryan
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Credit Suisse ISA fixed rate through Dunfermline?
I'm currently in the middle of getting my previous year's cash ISA transferred to an ISA run by the Dunfermline. It's not actually with the Dunfermline, it's with Credit Suisse. I received a welcome letter last week saying it was actually called a 'Guaranteed Capital & Growth Plan 19 (the "Plan") - Cash ISA. I was told…
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When do you get interest from ISAs?
Hi there, Bit of a newbie question! I'm a new saver, I have got a chunk of money that I want to save, and looks like a cash ISA is the best bet. But I'm not sure when ISAs allocate you interest. Is it only once a year? Every month? Or daily? Does it happen relative to the date you open an ISA or on the 1st of a month for…
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Top Rate Cash ISA & Transfer?
Hi whats the top rate cash ISA which allows transfer of previous money & you are able to manage on line? Thx
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Halifax ISA Help......
hi guys, i have a halifax ISA saver direct currently paying 0.50%. now, i HAVE put £20-£30 into this ISA this tax year, but, is there any reason i cant switch this ISA to the halifax Direct reward ISA paying 3% i think?
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Cash ISA
Hi, I am looking for my first ISA and want to ask a couple of things. Firstly i need instant access. I want to invest the full amount £3600 I think that Barclays have the best rate at the moment? What happens to the interest? Bearing in mind that i will already be using my full tax free allowance? Will i just get the same…