ISAs & Tax-free Savings

A question about : Isa?

Looking for some advice please

I had untill yesterday a pet insurance policy which I was paying £15 a month for.

I have three golden retrievers and this only covered the yongest !!!!! who will be three this year, in the time I had the policy I made one claim when she cut her face on some wire which was when she was still a puppy.

A question about : ISA Transfer

I recently transferred an ISA from HSBC to Barclays. The money has successfully been transferred from the old ISA to the new ISA, however they transferred 10p too much so the old HSBC ISA now reads as 10p in debt. It may sound small, but its annoying.

How can I clear this debt when I can't pay into that ISA this tax year as I am paying into another one? Also will this small debt incur any interest?

A question about : I've paid into two cash ISAs within the same tax year. What should I do?

I opened up a Mini Cash ISa with Barclays in March 2008 and paid in Ј100 lump sum. However I didn't realise that I had already paid Ј3000 inheritance in to another ISA in May 2007 - I thought I'd paid it in a lot earlier then that.

My questions is what are the penalties for having done this and what is the best thing to do now? I don't plan to pay any more in to the original ISa with the Ј3000 in it anyway.

Any help would be much appreciated. Thanks.

A question about : Changing over ISA

I'm thinking of transfering over from my existing ISA to another.How is it best to go about this.I don't want to sacrifice a years worth of ISA savings.Do I wait until the next financial year to have it transfered,therefore minimising the loss of interest.How is best to go about this?

A question about : ISA value falling

Hello, this is my first post and I hope someone can help as I am concerned and confused.

I have a share class ISA and as I was aware when I opened it, it can go up and down. However lately it has been going down and down.

My confusion comes with this, since all the financial problems have started worldwide it has fallen by some Ј400 from approx 2300 to around the 1900 mark and still falling little by little daily.

A question about : STOCKS AND SHARES ISA's

I have recently retired, and although I do not have lots of money I have part of a lump sum left to put away for this year. I already have Cash Isa's but as the rates are so low I was thinking of a stocks and shares ISA for a bit of a risk and the chance of a better deal. I did contact my ex employers financial adviser and I do not think he was interested in my small amount of cash it is about Ј25000 to put away. I already have ready cash plus Ј25000 in old Cash ISA's. Any advice is appreciated please.

A question about : Tracker ISA

Ok So I am new to posting here (apologies if post is in wrong place). I am also new to investing and am considering investing in a Tracker based stocks and shares ISA for the first time.

My question is on how they work precisely – I understand they “track” the relevant index, buying and selling stock to reflect the stock price of the individual company.

A question about : SelfSelect Stocks/Shares ISA

Hi

I am looking to transfer circa Ј65K from an existing S&S ISA to a Self Select Stocks and Shares ISA which will mainly be invested in funds / shares.

In addition, I will also me making monthly contributions (to purchase funds) and ad-hoc contributions to purchase qualifying shares

Which of the Self Select providers would be the best option to look at ?