Spring 2008 Newsletter Content Winter Of Discontent CGT Winners CGT Losers Shifty Business Anything To Declare? Long Arm Of The Law Irreplaceable You Earn As You Pay Ask Questions Later Capital Ideas ISA ISA ISA Referee! Go Green VAT Or No VAT? Taking The Register Close Encounters May Contain Nuts Going Concern Ancient History Business And Pleasure Do Your Duty Know Your Rights Time To Go? Passing The Buck

ISA ISA ISA If you take your money out of an ISA you can't usually put it back again. You lose the tax breaks until you've built the savings up again at £7,000 a year. Keeping the fund tax-free is an incentive to put off the rainy day when you stop saving and start spending. The government has decided to make an exception for people who took their cash out of Northern Rock ISAs during the run on the bank in September 2007. If they want to put their money back into an ISA they can do so by 5 April 2008. In case you don't trust Northern Rock any more, you can get a certificate from them to say how much you withdrew and then you can deposit it with another manager.