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  • FIRST POST
    • Former MSE Paloma
    • By Former MSE Paloma 14th Nov 14, 11:38 AM
    • 526Posts
    • 245Thanks
    Former MSE Paloma
    'An ISA is nicer than a NISA so we're going to call them ISAs' blog discussion
    • #1
    • 14th Nov 14, 11:38 AM
    'An ISA is nicer than a NISA so we're going to call them ISAs' blog discussion 14th Nov 14 at 11:38 AM
    This is the discussion to link on the back of Martin's blog. Please read the blog first, as this discussion follows it.





    Please click 'post reply' to discuss below.
Page 1
    • colsten
    • By colsten 14th Nov 14, 6:42 PM
    • 11,266 Posts
    • 10,634 Thanks
    colsten
    • #2
    • 14th Nov 14, 6:42 PM
    • #2
    • 14th Nov 14, 6:42 PM
    Thank you, that's so much better.
    • Ectophile
    • By Ectophile 14th Nov 14, 6:58 PM
    • 3,918 Posts
    • 2,576 Thanks
    Ectophile
    • #3
    • 14th Nov 14, 6:58 PM
    • #3
    • 14th Nov 14, 6:58 PM
    The main changes were a bigger 15,000 limit, the ability for all of it to be cash savings (so more than doubling the tax-free savings cash limit in effect) and the ability to convert old shares ISAs into cash ISAs.
    The main change was the sudden and substantial drop in interest rates as the banks decided they didn't want all the extra money.
    • Archi Bald
    • By Archi Bald 14th Nov 14, 9:09 PM
    • 9,376 Posts
    • 7,432 Thanks
    Archi Bald
    • #4
    • 14th Nov 14, 9:09 PM
    • #4
    • 14th Nov 14, 9:09 PM
    The main change was the sudden and substantial drop in interest rates as the banks decided they didn't want all the extra money.
    Originally posted by Ectophile
    It doesn't have to be a cash ISA - S&S ISAs are a great alternative, and you can keep some cash in other interest paying accounts which pay more than cash ISAs.
    • jimjames
    • By jimjames 16th Nov 14, 9:22 PM
    • 13,286 Posts
    • 12,344 Thanks
    jimjames
    • #5
    • 16th Nov 14, 9:22 PM
    • #5
    • 16th Nov 14, 9:22 PM
    The main change was the sudden and substantial drop in interest rates as the banks decided they didn't want all the extra money.
    Originally posted by Ectophile
    So don't use cash ISAs? Use an account paying more? Or as suggested use S&S ISA where you can get 4% income if income is important to you.

    Easy to get money back in a ISA again now limit is 15k.
    Remember the saying: if it looks too good to be true it almost certainly is.
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