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XEL - Xcite Energy
Thought i'd start a new thread as the old one's a bit clogged up. I originally invested in XEL probably around 2-3 years back with 1k and sold quite well netting a 2k profit. Im back again and on inspection of my old flame noted they still have completed the drill phase of there well which by now i thought would be…
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Can government check savings?
Quick question: I am just wondering whether the government can check each person's balance in current and saving accounts held at private banks? Do they have permission to do this? I am just wondering whether it's worth saving or just go out and spend spend spend!
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FTSE tracker advice needed.... Please!!
Morning friends, Need a bit of advice or pointers etc for the following: I am looking to open a FTSE tracker fund type thingy!!! You can already tell that I am not fully up to speed with these products can't you!!! I am not sure yet if its going to be in a FTSE 100, 250 or all share type tracker? I can start off with a…
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can someone help me finding Stock Exchange Site?
Hi there, I found a really good stock exchange website that I believe was based in London that offered free lectures/tutorials and had a simulator that you can play about with and learn. I have been looking for this site now for 30 mins and havent been able to find it. It had an orange and black theme to it and had quite a…
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Nationwide MySave - what happens with direct debit that doesn't work?
So i'm setting up some direct debits due to Halifax's changes. £1k was due to go to my MySave today, but i left the £1k in the wrong account, so it didn't get taken. Do Nationwide keep trying for it or is it a case of - it wasn't there, so tough luck? Is there a charge for this? For anyone saying phone them - it's 11pm,…
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Virgin Money Savings Account
Hi, hoping someone can advise. I've had a Northern Rock Building Society account for many years and received a monthly interest from my savings which was competitive with the market. I've just looked at my account and realised that since Virgin Money took over I've only been receiving 0.20%. Stupid me for not checking…
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Car Insurance Admin Fee?
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Barclays Loyalty Reward ISA
Hi. Apologies if this has already been asked but would appreciate any advice. I opened a Barclays Loyalty Reward ISA a couple of weeks ago and deposited £3000 before the end of 2011/12 tax year. My question is, am I still able to deposit funds into this account now we're in the new 2012/13 tax year or not? I have the…
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How much of your monthly wage do you save ?
I'm recently moving in on my own ( just a small flat) but my income isn't the best £14,500. After working out income and outgoings its quite scary what I'm left with to save. Which in reality some months probably won't actually save with xmas, birthdays, car etc. Anyone else in similar situation? I think I'm looking at…
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Punjab National Bank
Hi all I will have some money to invest soon so I'm regularly checking the top one-year fixed rate bonds page on this website, as well as other sites, to try to get the best rate. I notice on money.co.uk that Punjab National Bank have got a great rate at the mo - 2.9% gross - but I'm a bit worried by the fact that it…
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Investment advice for 18 year old student
Hi everyone As the title suggests I am an 18 year old university student with currently no job or other source of income apart from my student loans and grant. I have approx £5500 in savings (easy access) and have been considering investing some of my capital - between £1000-2000- but need some advice as to which companies…
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IFA in Nottingham/Derby Area
Good Morning, We are in a very nice position,own our four bedroom [approx 280K],have approx 270K in cash isa,s Stocks and shares isa,s,cash etc.I also have approx 110k in pension pot with Scottish Widows and have just been notified the company i am a director [non share holder] of is being purchased by a large player,they…
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Virgin Money savings / Nothern Rock
I have just opened a 3 year savings account with Virgin. However I used to have a mortgage with Northern Rock which I paid off a proportion of but was left with negative equity. The unsecured loan (remainder of mortgage) is now,being dealt with by nram, who I have an agreement in place with. my question is with Northern…
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% cash savings v's Investments
Hi All Myself and my wife are currently 45 / 44 and are looking to retire, or at least be able to retire when we get to 50. As well as knowing if the above aim is doable, I would appreciate your guidance on the % splits we should have between cash deposits and investments and also if the 50 target is reasonable (our NUMBER…
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First direct savings accounts?
As a current account customer of First Direct for a few years now ( although I do have ajoint account elsewhere as well ) I was looking at their website today and in particular their savings accounts. What struck me was how truly awful the rates were - with the exception of the Regular Saver and it got me wondering Does…
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Does anyone use ADVFN?
Does anyone use ADVFN? Is it worth paying for the membership?
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Silly me, I think I have lost this year's cash ISA allowance -- opinions?
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Certificate of Tax Deduction on savings
Is anybody else finding that banks and building societies no longer automatically send out certificates of tax deduction on savings accounts, which can make it a nightmare when trying to complete annual tax returns. This can be a special problem when fixed rate bonds are held which last more than one year and interest is…
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BOS Vantage
Anyone whether it is possible to open more than one BOS Vantage, and if so, how to do it? I have opened one ok so far and would like a couple more (to keep my Lloyds Vantages company).
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Thinking ahead to when I'm debtfree ...
My plan is to: (i) build up 3-6 months' living expenses in an easy access account; (ii) either up the pension or start a S&S ISA, and; (iii) put any leftover cash in a high-interest/delayed access account. Would it make more sense to max out my employee pension contributions, or start a S&S ISA (assuming I've already maxed…