Money Marketing
23 March 2005

  • A consumer's view

    24 Mar 2005

    Mortgage lenders are an ungrateful lot. Having campaigned hard and relentlessly for an increase in the starting point for stamp duty and seen it doubled by Chancellor Gordon Brown in the Budget, they are now griping that it is not enough.

  • ABI leads orphan tax protest

    24 Mar 2005

    The ABI is lobbying the Government over plans announced in the Budget to tax orphan assets used by life offices to help support life offices' with-profits funds.

  • Advisers caught up in viatical fund dilemma

    24 Mar 2005

    UK investors and IFAs who placed over 26m in an offshore Shepherds traded life fund face uncertainty as the beleaguered US company it invested through faces collapse.

  • Aifa calls for fee for suite advisers

    24 Mar 2005

    Aifa is warning that product providers and IFAs may still need a higher initial charge to make it worth their while selling the Sandler stakeholder pension.

  • Alison Burns

    24 Mar 2005

    Axa's director of national sales says female advisers have an advantage over their male counterparts in that they are 'genetically nosy' and can get to the core of what a client wants and she is using this asset to forge relationships with the best IFAs in the industry.

  • Alternative secured pensions hit by IHT

    24 Mar 2005

    The Inland Revenue will apply inheritance tax to alternative secured pension assets upon death to avoid the schemes being used for avoidance.

  • Axa's Protection Account available through Burns Anderson and Threesixty

    23 Mar 2005

    AXA has announces its Protection Account is now available through new distribution partners Burns Anderson and Threesixty services.

  • Bamford accuses Barclays of multi-tie confusion

    24 Mar 2005

    Informed Choice managing director Nick Bamford is accusing Barclays Financial Planning of confusing its customers by implying that its multi-tie proposition is whole of market.

  • Bank of Ireland reviewing sale of Bristol & West branches

    23 Mar 2005

    Bank of Ireland is looking into the non-mortgage elemets of Bristol & West with plans to shed its 97 branches.

  • Bankhall runs roadshows

    24 Mar 2005

    Bankhall is running a series of roadshows for its Investment Strategies Limited members to ease them through the procedure of becoming directly authorised.

  • Bee calls for A-Day to put back another year

    24 Mar 2005

    Scottish Life head of pensions strategy Steve Bee says A-Day should be postponed for the third time because the industry is not ready

  • Broker attacks lenders over exit charges

    24 Mar 2005

    Mortgage lenders are raising exit fees in an indiscriminate fashion and treating customers unfairly according to an Essex broker.

  • Budget Edge: James Dalby

    24 Mar 2005

    Brown said the UK's household savings ratio was four times higher than in the US and Canada but don't be fooled. In all three countries, this is dangerously low and cannot possibly be enough to sustain people through retirement.

  • Budget Edge: Jason Hollands

    24 Mar 2005

    There was precious little of substance to encourage people to save more for the long term. Over the coming weeks, politicians of all parties must be questioned about how they intend to encourage the public to save.

  • Change of directional

    24 Mar 2005

    Amanda Newman looks at how Ucits III has led to the creation of directional bond funds, with some saying they are the future for bond funds and others claiming there is not enough demand for products of this type.

  • Chelsea Building Society - Three Year Fixed Rate Buy-To-Let

    24 Mar 2005

    Chelsea Building SocietyThree YEar Fixed Rate Buy-To-Let

  • Close looks for centres of excellence

    29 Mar 2005

    Close Property InvestmentRomulus High Income Fund

  • Close raises 10m for D shares

    23 Mar 2005

    The Close Brothers Aim VCT has raised 10m for its D shares. Close says it has been proactive in tackling liquidity issues in the fund, operating a buyback policy where it aims to uy back its own shares in the market for cancellation. The Nav of the D share portfolio has risen from 95p to 113p per share as at March 8.

  • Commentary - Simon Hudson

    24 Mar 2005

    Now that the dust has settled on the regulation of mortgages and general ins-urance, an interesting by-product has arisen where possibly, for the first time, big distribution groups in the investment arena find themselves as equally big distributors in the mortgage and general insurance marketplace.

  • Commercial break

    24 Mar 2005

    Britannic Asset Management's UK property fund will aim for income and growth by investing up to 100 per cent directly in UK commercial property.

  • Complexity is holding back pension credit applicants

    24 Mar 2005

    Only 10 per cent of pensioners believe that the state benefits system does not punish them for saving for their retirement, according to Department of Work and Pensions research.

  • Consolidation will cut competition and slash service

    24 Mar 2005

    I have just come off the telephone answering a call from a long suffering client unfortunate enough to have a group personal pension policy with Norwich Union.

  • Correspondent's Week

    24 Mar 2005

    If I had 1 for every time my name has appeared in this column in the last fortnight, I would have 2 (still, it is better than nothing).Just to recap, two weeks ago, Charlotte Beugge wrote this column in the style of me but it appeared with my name. Then last week, I am there again with a note saying it's not me, it's Charlotte. This week, it's me again.Confused? You are not the only one. I have been walking round in a skirt and high heels for the last 10 days in an attempt to ...

  • Countrywide looks to launch residential property fund

    24 Mar 2005

    Countrywide is looking to set up a residential property fund when the Reit regulations come into force next year.

  • Directive changes direction

    24 Mar 2005

    Abbey believes the management techniques of directional bond fund managers such as UBS will benefit multi-managers as long as risk profiles are not jeopardised.

  • Don't miss the Poat

    24 Mar 2005

    The onus is on taxpayers to ensure they comply with the new pre-owned assets tax regulations, says Canada Life technical support manager Jeremy Pearson.

  • Dover Street changes focus

    24 Mar 2005

    Dover Street Capital, a specialist venture capital and investment advisory firm based in London, has raised over £60m in the past three years, mainly through film financing. It has now brought out a venture capital trust, which will have a fixed life of six years.

  • Dover Street changes focus

    24 Mar 2005

    Dover Street Capital, a specialist venture capital and investment advisory firm based in London, has raised over 60m in the past three years, mainly through film financing. It has now brought out a venture capital trust, which will have a fixed life of six years.

  • Event horizon

    24 Mar 2005

    Last week, I looked at the Inland Revenue onslaught on the use of capital redemption bonds which sees corporate-held CRBs taken outside the chargeable-event rules. What will this move mean in practice?

  • Evolution or revolution?

    24 Mar 2005

    When guaranteed critical-illness cover rates started to rise a couple of years ago, some providers predicted that the industry would have to develop a completely new product model if this type of cover was to survive.

  • Exchange tailoring multi-ties for IFAs

    24 Mar 2005

    The Exchange managing director David Child predicts about 10 per cent of its clients will be multi-tied by June with many others waiting to see how depolarisation works out before deciding whether to switch.

  • F&C begins to stem outflows

    24 Mar 2005

    F&C grew its operating profit by 16.4 per cent in 2004 despite a third consecutive year of net outflows that have seen the fund company lose 19bn of assets.

  • F&C loses control of Pacific trust to Witan

    24 Mar 2005

    F&C has lost management of the 227m F&C Pacific investment trust to Witan, which will adopt a multi-manager approach.

  • Firm foundations Taking the taskforce to task

    24 Mar 2005

    The report of the Employer Taskforce on Pensions published in December 2004 resulted in positive comment from the usual pension organisations and bodies representing employers, such as the CBI and British Chamber of Commerce.

  • Five-year deal for gene test pact

    24 Mar 2005

    The moratorium on the use of genetic testing in the setting of insurance premiums has been extended from 2006 to 2011.

  • Flat February for housing

    24 Mar 2005

    The mortgage market remained flat in February says the Council of Mortgage Lenders, but the proportion of lending for house purchases is down.

  • Flight sacked

    29 Mar 2005

    Howard Flight has been sacked as conservative deputy chairman and special envoy to the city.Flight was sacked by Michael Howard after being recorded at a private meeting claiming Oliver Letwins spending policy would be the start of more radical cuts in the public sector.Flight is an outspoken critic of FSA regulation and helped formulate Conservative policy regarding the Financial Services and Markets Act.

  • Foresters' chief Rothery becomes friendly president

    24 Mar 2005

    Foresters Friendly Society chief executive Mark Rothery has been appointed president of the Association of Friendly Societies.

  • Friends adds online tool to review portfolios

    24 Mar 2005

    Friends Provident is offering a new internet-based investment portfolio planning tool for IFAs aimed at providing a flexible service.

  • Friends is picked for NAB multi-tie

    24 Mar 2005

    Friends Provident has been picked by National Australian Bank group for its multi-tie agreement, selling its products through subsidiaries Clydesdale Bank Insurance Brokers and Yorkshire Bank Financial Services.

  • Friends' pension sales hit by merger concerns

    24 Mar 2005

    Friends Provident's pension sales have fallen amid broker concerns over the merger of F&C and Isis.

  • FSA cuts paper rule for funds

    24 Mar 2005

    Managers of authorised schemes operating under the FSA's collective investment scheme sourcebook will no longer have to publish unit prices in a national newspaper from April.

  • FSA fines City Index 35,000

    23 Mar 2005

    The Financial Services Authority has fined City Index Ltd 35,000 for producing misleading financial promotions for spread betting and contracts for differences between September and November 2003.

  • FSA to set out guidelines as fears grow on VCT risk

    24 Mar 2005

    The FSA is to issue guidance to advisers on VCTs amid concerns that the products could be sold to investors who are unaware of the risks.

  • FTBs' purchasing confidence is still low according to Abbey

    29 Mar 2005

    Only 5 per cent of potential first time buyers think they'll get on the property ladder this year according to Abbey.

  • Gartmore multi team sets out criteria for using internal funds

    24 Mar 2005

    Gartmore's policy of excluding internal funds from its multi-manager portfolios would be relaxed if a Gartmore fund were head and shoulders above its peers says the firm.

  • Half of Britons have no protection in place, says A&L

    23 Mar 2005

    Almost one in two Britons is financially exposed with no cover in place, according to the latest quarterly findings from Alliance & Leicester.

  • Hamptons Prepares for 35m takeover

    23 Mar 2005

    Hamptons International is poised to change hands in a 35m deal with Wheelock Properties. Wheelock, a Singapore group that owns a 32 per cent stake in Hamptons is awaiting approval from its own shareholders.

  • Harris on Mortgages

    24 Mar 2005

    In a vote-winning gesture, Chancellor Gordon Brown announced the rise in the stamp duty threshold from 60,000 to 120,000 in last week's Budget.

  • Hartford appoints six asset managers

    23 Mar 2005

    Hartford Life has signed up six external asset managers to run funds for inclusion in its Hartford Gold unit-linked investment bond offering. Hartford worked with Old Broad Street Research to pick the managers and has signed up Barclays Global Investors, Fidelity, Invesco Perpetual, Investec, New Star and Schroders. The bond will be sold through IFAs and launches later this year.

  • Hogarth denies Bankhall is for sale

    24 Mar 2005

    Bankhall is not for sale, according to joint chief executive Paul Hogarth, despite fierce market speculation that it is being sold off.The support services provider has faced internal upheaval following £70m of business being written off as goodwill by Skandia Sweden last year.Bankhall is currently valued at £110m, having been sold by Skandia for £180m.Last month, its network arm Investment Strategies Limited closed in a streamlining operation, with 638 registered ...

  • Holding a mirror to transparency

    24 Mar 2005

    One of the supposed watchwords in financial services is transparency.

  • IFAs react to sale of Mortgage Force to West Brom

    23 Mar 2005

    There has been a mixed reaction from IFAs and mortgage intermediaries to the sale of Mortgage Force to West Bromwich building society.

  • In the driving seat

    24 Mar 2005

    Your chance to win fantastic sporting trips every month in a superb promotion being run by First Active.

  • Independent view

    24 Mar 2005

    Let me expand on a recent letter to Money Marketing concerning an online test application completed for an end-owment review. Apparently, no matter what responses the adviser gave, the test always suggested that he may have been missold.

  • Innovator Keydata turns to build on the affordable housing plans

    24 Mar 2005

    Keydata says it hopes to offer IFAs the opportunity to diversify client portfolios with more innovative products.

  • Investec to acquire 47 per cent share in Rensburg

    23 Mar 2005

    Investecs private client subsidiary Carr Sheppards Crosthwaite is to buy 47.7 per cent of Rensburgs shares, making the UKs seventh largest private client manager with 10.3bn funds under management.

  • Investment view

    24 Mar 2005

    As the Isa season draws to a close with the end of the tax year, thoughts are turning to the big themes for IFAs in the coming months.

  • It's a small world

    24 Mar 2005

    New networks are starting to make a big impression with many financial intermediaries.

  • Julian Gibbs

    24 Mar 2005

    Small caps are not trading at the same discount to bigger companies that they have been for the past two years but they are still good value.

  • Jupiter goes for new administrator

    24 Mar 2005

    JupiterJupiter Sipp

  • Jupiter says high-yield bond market is peaking

    24 Mar 2005

    Jupiter corporate bond fund manager John Hamilton thinks the high-yield bond market is peaking.

  • Keydata - FTSE Growthbuilder Plan 3

    29 Mar 2005

    KeydataFTSE Growthbuilder Plan 3

  • Lack of technical support is leaving advisers isolated

    24 Mar 2005

    Poor technical support from product providers is a major problem for nearly half of all advisers, according to a survey by Assureweb.

  • Lawyer to Become OFT Chairman

    23 Mar 2005

    Office of Fair Trading chairman and chief executive Sir John Vickers will leave the organisation in October. Philip Collins, a senior partner at law firm Lovells, will take over for a four-year period as chairman. From October, the roles of chairman and chief executive, currently filled by Vickers, will be split. The OFT will soon begin its search for a new chief executive.

  • Learning power for VCTs

    24 Mar 2005

    As the April 6 deadline approaches for the first year of 40 per cent of tax relief for VCTs, Louis Nisbet, fund manager and managing partner of specialist investment manager Sitka explains why there is a need for education on VCTs.

  • Levy mettle

    24 Mar 2005

    At the beginning of this year, I started a series of articles reviewing the progress of certain key pension issues and highlighting opportunities for pension advisers to assist corporate and personal clients.

  • 'Life office household names will be crushed by regulation'

    24 Mar 2005

    Small and medium-sized life insurance companies will be unable to cope with the avalanche of regulation and some could be wiped out, according to a report by consultants Deloitte.

  • Liontrust chief fears overvalued resources are heading for a fall

    24 Mar 2005

    Liontrust director Anthony Cross believes the resources bubble could be about to burst, with valuations in the small companies sector too high.

  • Little incentive for firms to multi-tie

    24 Mar 2005

    Slow industry take-up of multi-ties is not just a question of providers and advisers taking a wait-and-see approach but reflects deep-rooted problems with this distribution model.

  • Mattison takes over as PruHealth chief

    23 Mar 2005

    PruHealth chief executive Catherine McGrath is leaving the firm. Shaun Mattison will take over with immediate effect. Mattison joins from Discovery, Pru's South African partner in the venture.

  • Money Portal setting a target to double its RIs within a year

    24 Mar 2005

    Money Portal group operations director Richard Pearson is setting himself the target of more than doubling the advisory side of the business in 12 months.

  • Most adults will die intestate says Standard Life

    29 Mar 2005

    Three quarters of UK adults could bequeath their estate to the wrong person, according to a recent study by Standard Life.

  • Multi-manager view - Ian Chimes

    24 Mar 2005

    Credit Suisse Asset Management's acquisition of Artemis' fund of funds business has attracted more press coverage than we ever imagined.

  • MVR move keeps WP option for stakeholder

    24 Mar 2005

    Product providers will be able to continue to offer with-profits within stakeholder pensions after amendments to DWP regulations accepted the need for MVRs to be calculated outside the charge cap.

  • NatWest - Buy-To-Let Remortgage Deal

    23 Mar 2005

    NatWestBuy-To-Let Remortgage Deal

  • Octopus Asset Management - Phoenix VCT - C Shares

    23 Mar 2005

    Octopus Asset Management Phoenix VCT - C Shares

  • Offshore sales rise by 23 per cent

    23 Mar 2005

    The Association of International Life Offices has seen buoyant offshore figures in single and regular-premium new business for 2004, with total offshore life sales up by 23 per cent last year compared with 2003. Total worldwide life business was 8.3bn compared with 6.8bn in 2003. Worldwide single-premium sales rose by 19 per cent while regular-premium business was up by 30 per cent.

  • Out of context

    24 Mar 2005

    "It seems it's only good for middle-aged cider drinkers who renovate churches in their spare time. I nodded off halfway through." - IFA on the Budget.

  • Paragon and James Hay in Sipp deal for BTL investors

    24 Mar 2005

    Paragon Mortgages and James Hay are creating a joint venture to provide a range of Sipp products to buy-to-let investors.

  • Pension poll finds people don't realise how long they will live

    24 Mar 2005

    Individuals tend to underestimate their longevity by five years or more, believing their pension will be payable for a shorter period than it really will, seriously affecting their provisions for retirement, says new research.

  • Perpetual motion in brand battle

    24 Mar 2005

    Invesco Perpetual's decision to consult on reverting to its old brand reflects a wider schizophrenia in the industry, says a brand guru.

  • PFS certificate means nothing

    24 Mar 2005

    Open letter to Mark Ommanney,Personal Finance Society.

  • PFS wants split opinion

    24 Mar 2005

    The Personal Finance Society is asking its members whether to split the organisation into two faculties one covering personal and the other corporate financial planning.

  • Pigit sends offer deal to STS clients

    24 Mar 2005

    The board of Securities Trust of Scotland says it will respond in detail this week to Perpetual income & growth investment trust's formal takeover offer.

  • Platform - Self-Certification Five Year Base Rate Tracker

    24 Mar 2005

    PlatformSelf-Certification Five Year Base Rate Tracker

  • Positive Mortgages Aims for HNW deals

    24 Mar 2005

    Positive Solutions is setting up Positive Mortgages to offer support services to mortgage brokers.

  • Positive Solutions aiming seminars at ISL members

    24 Mar 2005

    Positive Solutions is targeting Investment Strategies Limited members with a series of seminars following the recent move by Bankhall to close down the ISL network.

  • Premier sets up free Sipp for 250k

    24 Mar 2005

    Premier Asset Management is offering a Sipp which is free of charge to those who invest a minimum of 250,000 into any of its funds or managed investment services.

  • Product Matters

    24 Mar 2005

    The launch of HSBC's new deposit account is the latest of some recent headline-grabbing regular savings accounts following on the heels of Halifax & Abbey.

  • Providers are stopping us doing business

    24 Mar 2005

    We decided to remain truly independent and offer a choice to our customers to pay us for our genuine advice through commission or fees.

  • Pru parts company from chief executive Jonathan Bloomer

    24 Mar 2005

    The Prudential has parted company with chief executive Jonathan Bloomer.It is believed he is to be replaced by Mark Tucker who is currently the group finance director at HBOS.

  • Public-private plan aims to keep financial firms in Scotland

    24 Mar 2005

    A joint industry-government strategy for financial services in Scotland has been launched aimed at strengthening the industry's future in the region.

  • REID ALL ABOUT IT

    24 Mar 2005

    One book which was obligatory reading for financial advisers in the 1970s was Frank Bettger's How I Raised Myself from Failure to Success in Selling Life Assurance. Apart from the snappy title, the book made a lasting impression with me in that Bettger stated that when declining to follow your advice, people will always proffer the most plausible reason first. He suggested that you should deal with this by asking: "OK, now what was the real reason?" As someone who has used this line ...

  • Rugby star joins Scots Sipp drive

    24 Mar 2005

    Campbell Dallas Financial Services has signed up Scottish rugby player Ross Bottomley to head its corporate and employee benefits section.

  • Scottish Equitable - Protected Growth Fund

    29 Mar 2005

    Scottish EquitableProtected Growth Fund

  • Selestia starts up online distribution channel for IFAs

    24 Mar 2005

    Selestia is hoping to attract more IFAs by setting up an online distribution channel with phone support.

  • Set a strategy for survival

    24 Mar 2005

    IFAs face formidable challenges but they can continue to thrive.

  • Shepherds life fund is delisted in Caymans

    24 Mar 2005

    Pension investors in an offshore traded life fund run by Shepherds are being forced to withdraw their funds after it was delisted.

  • Skandia clash with Selestia over mirror funds pricing

    24 Mar 2005

    A row has broken out between Skandia and Selestia over the pricing of Skandia's mirror funds.

  • Skandia slashes bond allocation

    24 Mar 2005

    Skandia has cut its Multibond allocation rates by up to four percentage points and is launching an onshore discounted gift trust in a revamp of its bond range.

  • Skandia's secret is in the blend

    29 Mar 2005

    Skandia Investment Managements asset allocator fund range comprises seven multi-manager Oeics which enable IFAs to build a bespoke mix of asset classes across different geographical sectors.

  • Small firms and regular savers hit by Revenue Poat push

    24 Mar 2005

    Thousands of small businesses and regular savers will be liable for pre-owned assets tax after April 6, despite life offices lobbying the Inland Revenue.

  • Spring fever

    24 Mar 2005

    Events surrounding the price of black gold are far more exciting than Brown's political Budget, says Brian Tora.

  • Stakeholder lifestyling brings stability to fund

    24 Mar 2005

    As we grow older, most of us are less willing to take risks. That is certainly true as we approach retirement when we begin to take stock of how much income we will have in retirement and how best to protect it.

  • Standard Life spurns own platform and picks Funds Network for its Sipp

    24 Mar 2005

    Standard Life has appointed Fidelity FundsNetwork as the fund supermarket platform for its Sipp.

  • Standard penalty charges unclear, says IFA

    24 Mar 2005

    A Leicester adviser is complaining to Standard Life that its with-profits communications to customers are confusing and put crucial information on severe penalties in cryptic language.

  • Stewart Ritchie on pensions

    24 Mar 2005

    Most financial advisers are probably fed up reading about how the new pension tax regime will affect people above the lifetime allowance because the vast majority of their clients will not come anywhere near to 1.5m of pension value over their working lifetime.

  • Students achieve 85% pass rate in new SII exam

    24 Mar 2005

    The first candidates in the Securities and Investment Institute's pilot for a new financial services exam achieved an 85 per cent pass rate to gain the Introduction to Investment qualification.

  • Survey shows public-private DB divide

    24 Mar 2005

    More than twice as many public sector workers have access to final-salary pension schemes than people in the private sector, according to research from the Chartered Institute of Personnel and Development.

  • Talkback

    24 Mar 2005

    Is this year's Budget good for your clients?

  • The golden years

    24 Mar 2005

    The AITC's Geoff Procter looks back and forward after nearly 40 years in financial services.

  • The only place to get proper advice is from an IFA

    24 Mar 2005

    Independent financial advice rules, it always has and it always willIt was interesting to read Wai Man Cheung's arguments recently in Money Marketing for giving up his IFA status in order to become a partner at St James's Place Partnership.

  • The price caps have failed all over Europe

    24 Mar 2005

    Simplified price-capped products have failed in the European countries where they have been introduced, according to a study by Charles River Associates for the European Commission.

  • Thumbs down for ailment

    24 Mar 2005

    After reading February's issue of International Health Journal, Scottish Widows protection marketing director Nick Kirwan learnt of a new illness called BT.What's more, he is personally in a very high risk group for it. Blackberry Thumb, similar to RSI, is striking pinstripesuited executives across the Western world.Kirwan says: "Could be an own-occupation income protection claim? Hhmmm..."Next time you are in a meeting surreptitiously checking the football scores on your ...

  • Tide turns in Matt's favour

    24 Mar 2005

    MM hack Matthew Davis will be turning the tides in Newquay this summer, joining New Star on a highly anticipated press trip.Sadly, Croydon's finest had already promised his company to Bankhall, facing the Three Peaks Challenge that same weekend. When considering his options, the virgin surfer's propensity for fags and creative excuses for skipping the gym suddenly made Cornwall that bit more appealing.He is, however, managing a bit of emergency training just in case, cycling ...

  • Tried and trustee

    24 Mar 2005

    Our client approached us, having been asked by her mother's financial adviser to act as a trustee for a gift & loan inheritance tax scheme. She asked what responsibilities she would be taking on and whether she could agree and leave everything to her mother's adviser.

  • Turning point seen in investor confidence

    24 Mar 2005

    Over half of private investors believe the FTSE will rise by up to 10 per cent over the coming months, according to research by TD Waterhouse.

  • Univen and Cavendish VCTs withdrawn

    23 Mar 2005

    The Univen and Cavendish VCTs have been pulled from the market after the boards felt they were not going to accrue enough critical mass to allot shares. The promoters are in the process of returning money to investors.

  • Watchdog makes pledge to complete pension probe

    24 Mar 2005

    The Parliamentary Ombudsman has written to members of occupational pension schemes in wind-up pledging to finish the investigation into whether the Government contributed to the downfall by July.

  • Webb claims contracting-out 'fiasco'

    24 Mar 2005

    The Government is aware of 133,000 people over the age of 53 who are losing out because they have contracted out of the second state pension, according to the Liberal Democrats.

  • West Brom comments on the acquisition of Mortgage Force

    23 Mar 2005

    The West Bromwich acquires franchised mortgage intermediary company Mortgage Force.

  • West Bromwich Building Society buys Mortgage Force

    23 Mar 2005

    West Bromwich Building Society has bought Mortgage Force for an undisclosed sum.

  • Wholly spirit

    24 Mar 2005

    Standard Life marketing technical manager John Lawson warns that advisers are in for a rollercoaster ride trying to explain the implications of the new pension tax rules to business clients as the Revenue moves in to take more control of employer contributions

  • You just can't lose with a VCT

    24 Mar 2005

    If I follow the logic of your leading article (Money Marketing, March 17) and the views of the Financial Services Consumer Council, the best investment I can make is to try and get a financial adviser to sell me a venture capital trust.

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