ISAs & Tax-free Savings

A question about : Newcastle BS Isa

My first topic!

Info share: Newcastle BS cash Isa, 5.85% fixed. Commences 26/07/04 until 26/09/06. (this may have been posted in the past)

Interest rates look to be on the up, so is this a good option.

Your thoughts please.

Kind Regards
:-/
Hussar

Best answers:

• Where have you picked up this information?
• Dale
  On www.moneyfacts.co.uk.
  Kind Regards
  Hussar

A question about : Few questions about ISA...

I realise now that it is good to have an ISA and simply build it up every year. I'm not currently a tax payer and probably won't be for another 3 years at least.

From a brief search online it appears the Abbey Postal ISA is currently highest for cash at 5.1%

What about a Maxi ISA though? My thinking is that I could stick Ј3k into cash as normal, and use some (if not all) of the Ј3k stocks allowance for some shares/funds/etc.

A question about : 2% 'Almost' Easy Access 40 days notice (amounts over Ј24k)

Credit to Libra10 for spotting this, worthy of its own post for those thinking of moving from FirstDirect when they change the rates in about 6 weeks.

Cash ISA 40 Day Notice

https://www.ybonline.co.uk/personal/s...40-day-notice/

Amount of savings

Tax free++ / AER+ rate (%pa)
Ј24,000 and over 2.00%
Ј9,000 - Ј23,999 1.50%
Ј1 - Ј8,999 1.00%

A question about : ISA / Saving Account / Fixed Term Bond?

Hi everyone, great forum here!

I'm only 16 and obviously new to ISA's and Saving Accounts, but I would like to put away about Ј2000, either into an ISA/saving account/possibly a bond of some kind. However I had stayed away from the bond as although I believe I could do without the money for say a fixed term of a year or so, I'd prefer the freedom of being able to withdraw it.

A question about : Cashing in ISA

I would like to know if it would be worth me cashing in my ISA. It is a unit growth ISA and approx value Ј6,000. I have been paying a Ј100 a month for the last 5 years to the ISA. I would like to purchase a new car and wonderded whether to use the cash in the ISA or take out a bank loan.

A question about : URGENT

Hi all,

My dad passed away very suddenly and unexpectedly last week. As a family, we are now in the process of cancelling bank accounts and credit cards. However, we cannot find which provider he transferred his (and my mum's) ISAs to. Please can anyone help?

A question about : Cash ISA transfers

I understand that you can only subscribe to one cash ISA per year, but I am a little confused about the transfer rules.

I have some money in an ISA, which is mostly old money - ie previous year subscriptions. I would like to split the money and transfer to two different providers. I thought that I could transfer the previous years' subscriptions to one provider and the current year subscriptions to another, as long as I transfer the current year in one go.

A question about : Tracker Comparison

I received my annual statement this morning from Henderson where I have Ј15k in their UK Index fund. It was all free money originally from building society demutualisations, and has been through about 5 or 6 changes of ownership.

Anyway, I was gobsmacked to find today they are charging 0.7% for a tracker. I thought they were now obliged to offer a clean share class but they say not.

So, I'm going to move it into my Share Centre ISA, change to Frequent Investor tarriff for 3 months, sell it, and buy a cheaper tracker.