James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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You have until 5th April to fill it up 
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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Filled mine up on Monday, going to withdraw more than I put in next week.
Doh!
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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I'm skint 
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Yeahhh buddy
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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For the first time ever I can say I managed to save up to the limit for an ISA 
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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first time on the ISA bus, got one the other day I need to fill up 
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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Full. Of scrap cheques
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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someone tell me why I should get an ISA
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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quote:
Originally posted by IvIarkgraham
someone tell me why I should get an ISA
Tax free interest from a cash ISA. Tax free income from an investment ISA.
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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Not enough monies to fill one this year between the 2 of us unfortunately but I always transfer in the new tax year to one that has a decent bonus
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SXI - Matt
Member
Registered: 8th Jul 07
Location: Leicestershire Drives: Corsa C SRI
User status: Offline
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What decent ones is there being offered at the moment
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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I might take a drive into town tomorrow and open one, and then same again in a couple of weeks time for the new financial year.
I used to have ISA's coming out of my ears a few years ago, but they all got swallowed up thanks to home ownership
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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As Matt said...who's offering decent rates? To make it easier, I might just end up going to Natwest, as that's who i bank with anyway.
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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Most are really bad for instant access.
Santander have a 2.5% for instant access.
Most 3%+ are 2yr min.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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I've got one with National Savings & Investments. Probably shite rates, but I'll be getting my interest on the £3k on 6th April then withdrawing into my Save to Buy account with Nationwide as all the deposit for a mortgage needs to be in there. Although I'll get taxed on it. Hmmm 
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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So I've put what I can in my own personal ISA.
Thinking for next year, am I able to have a second ISA for my business account? Therefore I have a personal ISA and a Business ISA.. My accountant will know all this shit of course.
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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quote:
Originally posted by Andrew
So I've put what I can in my own personal ISA.
Thinking for next year, am I able to have a second ISA for my business account? Therefore I have a personal ISA and a Business ISA.. My accountant will know all this shit of course.
ISA = Individual Savings Account. So no.
There are plenty of other ways to be tax efficient as a business though.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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It popped up when I logged into my Barclays account stating 11k I could save in an ISA.
I am probably better speaking with my account manager as well as accountant later this week.
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John
Member
Registered: 30th Jun 03
User status: Offline
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An account manager is a fancy a name for a salesman, what account manager will you be speaking to about your ISA's
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Welly Wanger
Member
Registered: 5th Jan 12
Location: Cambodia stroke Yorkshire
User status: Offline
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A friend of a friend put 15K into an ISA 5 years ago. The 5 years was up yesterday. 15k back in her hand and an extra £300 for the whole 5 years. I dont know the details of said lady and ISA details but thats taking the pi$$
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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Something seriously wrong there! I got £100 back from £5640 after 1 year.
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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quote:
Originally posted by John
An account manager is a fancy a name for a salesman, what account manager will you be speaking to about your ISA's
Getting a bit too portfolio in here for my liking.
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Welly Wanger
Member
Registered: 5th Jan 12
Location: Cambodia stroke Yorkshire
User status: Offline
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Well just looking at the lady you know summets wrong, not wired up correctley. Others think it might have somthing to do with a family member.
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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Got mine in yesterday. I threw it into a Natwest one for now (which is total shit), but it'll be getting transferred to a bank which is offering more when i go back in to open another one in a week or so.
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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quote:
Originally posted by Welly Wanger
A friend of a friend put 15K into an ISA 5 years ago. The 5 years was up yesterday. 15k back in her hand and an extra £300 for the whole 5 years. I dont know the details of said lady and ISA details but thats taking the pi$$
Current top rate is 2.5%, assuming they got that for 5 years straight and ignoring compound interest for simplicity, they would have made £1875. In reality it would be slightly more because of compounding interest.
The problem is that most ISAs are either variable or fixed for a very short period, so you need to keep on top of it if you want to get the best rates.
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