ISAs

[axs]

cheers dude, i'll check it out.

[janaage]

Fella first of all are you after a cash isa or stocks and shares ISA???  Big difference.  Not sure if you're taking the piss about the zero risk comment but if you're serious it sounds like you're after investing in a cash ISA (max £3,600 pa), if you want a bit more risk and you have more to invest (up to £7,200 in stocks and shares) and you;re looking for a medium to longterm investment then there's a lot more choices available.

[axs]

cash, £200 a month or so, will be under the annual limit, just want the best interest rate that still gives access should i need it.

[janaage]

I know HSBC have an ISA with a 6% rate at the moment (which I'm interested in) although I think the interest is annually not monthly.   Get yourself on to moneysupermarket.com

Maybe worth looking at some notice accounts (poss 30/60 days notice) to see if you can get better interest rate.  From what I've seen tho it looks like 6.2% is roughly best you can get at the moment tho.

[axs]

6% is better than the ones I've seen so far, i'll check it out. It seems nearly all the interest is paid annually on 31st march.

[janaage]

There arw a few ISA's that pay monthly which means you get compound interest, rather than the yearly rate.  Worth investigating mate.  I think the HSBC one was one of the better ones I saw when I looked into this last week.

Always worth checking the sunday press about this sort of stuff, the more newspaper publications than gossip rags though.

[axs]

cheers for the advice dude, i'll do some more research.

[janaage]

No worries man, if you need any more help on this kinda stuff send me a pm, I'm no financial adviser but I'm into this kinda thing, especially when it's not in the early hours of sunday morning.

[axs]

cheers fella.

[STFC_Chris]

Isn't Barclays' ISA one of the better ones to go for at the moment? 6.25%. Can be opened online, but with so many people applying at the moment they are taking a while to send out letters and info etc.

Edit: It looks like you can only apply online if you are an existing customer.

[janaage]

Ona side note

Jessie paint your pictures, bout how it's gonna be, by now I should know better, your dreams are never free, but tell me all about our little trailor by the sea, Jessie you can always sell any dream to me, oh Jessie you can always sell any dream to me...

I think every now and then when you're looking for some financial advice it's worth looking back to some mid to late 90's songs, I often do, and Barclays may have a decent ISA but there are others available, just as good.

[Bogus Dave]

i have an isa with nationwde because my dad works there. but its got a eit of 7000 pounds i think, what happns if i go over 7000. they'd better not take my fackin mopney, or else tger will be trouble hrrrrrrrrrrrrrrrrrrrrrrrrrrrrr nationwide poxy bastards. im getting a new account in the sumer ayway you shlagsssssssssssss mwahahahahahha

[axs]

they charge you tax if you go over it.

[Bogus Dave]

do they?? thats a bit rubbish. not that i'll be going over the limit any time soon mind...

[axs]

otherwise all money would be in ISAs and income tax would have to go up instead.