Isa be so lucky

'Have you considered taking out an Isa, sir, to use your tax-free allowances?' the youth...

'Have you considered taking out an Isa, sir, to use your tax-free allowances?' the youth behind the counter at my bank asked me last week. It made me smile to be asked a question by a lad so young he didn't look like he'd started shaving, let alone be old enough to have a tax-free allowance of his own. There is clearly a correlation between the size of your credit card balances and a bank's decision to try to tempt you with one of its Isas. The temptation of an Isa from my bank was easy to turn down. Let's be honest, I should be shot, working for this magazine in this industry, if I'm...