Money Marketing
29 November 2006

  • Property funds are still leading

    30 Nov 2006

    Specialist was the most popular fund sector in October for the ninth consecutive month. Property accounted for £379m of the sector's £519m net inflows.

  • Sub-prime probe exposes 200

    30 Nov 2006

    The FSA has ordered more than 200 sub-prime mortgage brokers to withdraw or amend misleading ads and some of these firms have been referred to the enforcement division for further investigation as many customers were found to have been given a sub-prime deal where there was no evidence of impaired credit.

  • £8M incentive plan for Portal advisers

    30 Nov 2006

    The Money Portal is investing £8m in two incentive schemes in a bid to retain its 1,300 adv-isers but the move will see IFA Bates Millfield move to a multi-tie model.

  • 2000 BTL products on eMoneyfacts.co.uk

    4 Dec 2006

    eMoneyfacts.co.uk has now hit 2,000 buy to let mortgage products on its site.

  • A change of tack

    30 Nov 2006

    With rebates largely unchanged, why are some people contracting back in??

  • A good reception for Ken's new role

    30 Nov 2006

    To mark the announcement that SimplyBiz chairman Ken Davy has been honoured as an ambassador for Huddersfield, the Diary presents an artist's impression of his first ambassadorial role.Monsieur, with these financial services compliance training and support tools, you are really spoiling us...

  • A sporting chance?

    30 Nov 2006

    Money may well make the world go around but at what cost? At last, the FSA has indicated the projected cost of the mighty Mifid. For those who have not been keeping up with events, the markets in financial instruments directive is a huge piece of European legislation that aims to create a single market for financial services across Europe.

  • ABI urges reduction in investment regulation

    30 Nov 2006

    The ABI has called on the Government and FSA to lessen regulation of the sale and promotion of investment products.

  • Absent broker backs Concordia

    29 Nov 2006

    London & Country has welcomed the creation of Concordia even though it declined the opportunity to be a part of the high net worth broker alliance.

  • Advice-like grip

    30 Nov 2006

    British insurance.com managing director Simon Burgess says the pro-advice lobby has been loud in championing the cause of the consumer but it is time to air the opposite view that buying direct can actually enable consumers to put in place a superior protection package

  • Advocate leads way in Aviva £3bn deal

    30 Nov 2006

    Norwich Union's parent company Aviva is to set the ball rolling on the reattribution of its inherited estate but policyholders will have to wait at least 18 months before they are likely to get any windfall.

  • Bankhall tells advisers to ditch low-earners

    30 Nov 2006

    Bankhall is telling members they could be better off ditching the bottom tier of their client base and focusing on their high-net-worth customers.

  • Between proc and a hard place

    30 Nov 2006

    Our panel debate whether retention deals go against TCF principles, plus are lenders being too aggressive in chasing arrears?

  • Big five brokers form £10bn mortgage alliance

    29 Nov 2006

    Five of the UK’s mortgage broking giants have joined forces to form a consortium to give them the clout to negotiate cheaper deals with lenders and increased proc fees.

  • Big five in £10bn pact

    30 Nov 2006

    Five mortgage broking giants have joined forces to form a consortium to negotiate cheaper deals and higher proc fees with lenders.

  • Bond focus changes

    30 Nov 2006

    Aegon extra-income bond fund manager David Roberts is reducing his exposure to longer-duration bonds, believing that there is better value in the shorter end of the market.

  • BoS chief quits to join Connells

    1 Dec 2006

    Bank of Scotland Mortgages managing director Charles Haresnape has revealed his intention to quit HBOS to join estate agent Connells.

  • Boxing unclever

    30 Nov 2006

    Whenever I meet IFAs, after the initial pleasantries, I almost always find myself having to defend the views expressed in this column. The consensus seems to be that I am unduly negative about IFAs and the good work they do.

  • Broker Talkback

    30 Nov 2006

    Are interest-only mortgages not supported by a repayment vehicle a ticking time-bomb?

  • Brokers upbeat about mortgage market

    4 Dec 2006

    Broker confidence in the mortgage industry is the highest it has been in over ten years, according to a poll by the Mortgage Trust.

  • Bupa buys Clinovia for £87.7m

    1 Dec 2006

    Bupa has acquired home healthcare specialist Clinovia for £87.7m from Lyceum Capital.

  • Buying into the European storey

    30 Nov 2006

    Property managers are increasingly looking to the Continent for yield although many are still wary of building a presence in Eastern Europe, says Matt Goodburn

  • Cable puts pressure on sealed-pack sales

    30 Nov 2006

    MPs are continuing to pile pressure on the Government over the way that non-advised insurance sales are marketed and sold to consumers.

  • CII exam approved for pensions transfer specialists

    1 Dec 2006

    The CII's new Pension Planning (AF3) Advanced Diploma in Financial Planning unit has been confirmed by the Financial Services Skills Council as an appropriate examination for those acting as a pensions transfer specialist.

  • CII ready to be standard-bearer

    30 Nov 2006

    The Chartered Insurance Institute says it is best placed to fill the potential vacuum that could be created by the FSA's move to principle-based regulation and become the industry's "standard bearer" for guidance.

  • Close is first with instant BTL offers

    30 Nov 2006

    Close Mortgages has become the first lender to launch instant offers on buy-to-let properties.

  • CML calms interest-only fears

    30 Nov 2006

    The Council of Mortgage Lenders claims there is no evidence that borrowers are being driven to take out interest-only mortgages without having a plan for repaying the amount borrowed.

  • Contract-out cash could help marketing

    30 Nov 2006

    The Conservatives are calling for some of the 4bn saved through abolishing contracting out of defined-contribution pension schemes should be offered to the industry to help market pension provision outside of personal accounts.

  • Correspondent's Week

    30 Nov 2006

    This week by Simoney Girard, managing editor for a range of financial magazines.

  • Counting the days

    30 Nov 2006

    Revisiting the rules on residence, ordinary residence and domicile

  • Crate expectations

    30 Nov 2006

    Support services company Threesixty has signed up its 360th client since it opened its doors in March 2003.

  • Debt issues cloud the outlook

    30 Nov 2006

    It is the time of year when investment managers start to finalise their views of the next year and there is an almost universal view that there will be a perfect soft landing for the economy next year, with the minimum of disruption.

  • Delivery authority to decide providers' role in NPSS

    30 Nov 2006

    The decision on whether to allow branded providers to be involved in personal accounts will be made by the new delivery authority rather than the Government.

  • Discomfort zone

    30 Nov 2006

    Europe may struggle to match recent strong returns and investors should be cautious

  • Diverse DB

    30 Nov 2006

    Lender Profile - Guy Anker reports on DB Mortgages' move into the broker market

  • Don't miss MoneyPenny

    30 Nov 2006

    The old hands among you may recognise the name River & Mercantile. Some of you may even have bought the investment trust many years ago. The name was actually owned by Sir John Beckwith, who retained the rights to it and is the backer behind the new asset management company.

  • Duty to Reform

    30 Nov 2006

    The LibDems want a fairer system of stamp duty and changes for inheritance tax, says housing spokesman Dan Rogerson

  • Ecclesiastical wants to sell release firm

    30 Nov 2006

    Ecclesiastical Life has put its specialist equity-release intermediary arm Hinton & Wild up for sale as part of a group restructuring. Ecclesiastical is looking at developing a multi-tie proposition.

  • Equity boost from cash Isa rollovers

    30 Nov 2006

    The Treasury is to allow money in cash Isas to be transferred into equity Isas without affecting annual limits as part of its reform of the tax wrapper.

  • F&C strengthens emerging markets team with hedge fund hire

    1 Dec 2006

    F&C has further strengthened its emerging markets team by appointing Claire Franklin as an analyst bringing the total desk strength to 14.

  • Falcon rejects wrap for Fof strategy

    30 Nov 2006

    The Falcon Group has rejec-ted the wrap route taken by most of its competitors and will instead launch two funds of funds to be run by Premier Asset Management.

  • Ferguson won't be rash on property as he holds on to cash

    30 Nov 2006

    Scottish Widows Investment Partnership property fund manager Gerry Ferguson has a higher than normal cash weighting of 10 per cent, as he will not be rushed into buying poor-value assets.

  • Fidelity gains multi momentum

    30 Nov 2006

    Fidelity says its multi-manager range saw the second-highest sales in the sector in September showing that the fund firm has become a leading multi-manager player.

  • Fine sends a warning on cold-calling

    30 Nov 2006

    The FSA has fined Capital Mortgage Connections £17,500 for rule breaches including cold-calling and treating customers fairly failings on payment protection insurance sales.

  • First awards to show wrap achievements

    30 Nov 2006

    Adnitor is to host the first UK platform awards to recognise the achievements of platforms, advisers, asset managers and technology providers in the growth of the sector.

  • Five challenges for personal accounts

    30 Nov 2006

    ABI director general Stephen Haddrill poses a series of tests for the Government's pension reforms if they are to meet the twin aims of improving public confidence and encouraging greater levels of retirement saving

  • Flying by the satin of his pants

    30 Nov 2006

    Those crazy guys and girls at The Mortgage Business have taken on alter-egos for their 2007 calendar, with the assorted executives and managers dressing as superheroes.

  • Focus cuts operating loss by 0.4m

    5 Dec 2006

    Focus Solutions has reduced its operating loss by 0.4m compared to the same period last year.

  • Forget fees

    30 Nov 2006

    We don't need fees instead of commission, we need clarity and planning.

  • FSA bans broker for compliance abuses

    4 Dec 2006

    The Financial Services Authority has banned John Vincent Burton from carrying out any regulated activities for flouting regulatory requirements.

  • FSA rejects plea to review register

    30 Nov 2006

    Adviser network chiefs are urging the FSA to review the way it lists mortgage advisers on its register.

  • Fund managers quizzed in interactive broadcast

    30 Nov 2006

    Cazenove Capital Management and Asset TV linked up last week to host the first interactive broadcast involving fund managers presenting and answering questions on five different asset classes.

  • FundsNetwork grows to 196 fund links

    30 Nov 2006

    Fidelity FundsNetwork is adding 16 more fund links to its onshore Investment bond wrapper, bringing the total available to 196 fund links. The 16 new fund links are from a range of leading fund providers and span a variety of sectors and geographical areas.

  • GAM hard-closes four Green funds

    30 Nov 2006

    GAM is hard-closing all four of its investment funds run by Andrew Green because of concerns that continued growth will be detrimental to his deep-value contrarian investment approach. The four include the 668m UK diversified and 724m global diversified funds, although the St James' Place recovery and SJP Gam managed funds stay open.

  • GPP dilemma for pension providers

    30 Nov 2006

    Product providers will either pull out of the group pension market or increase their charges in the run-up to the introduction of a national pension savings scheme, experts are warning.

  • Guy de Blonay

    30 Nov 2006

    When an ambitious Swiss law graduate stopped off in London on his way to New York, all his dreams of conquering Wall Street faded when he was offered a job by John Duffield, then head of Jupiter Asset Management. As one of three managers who went with the entrepreneurial Duffield to New Star, he now runs the top-performing global financials fund - 'the greatest sector in the world', he tells Helen Pow

  • Halifax calls for Govt to raise IHT threshold

    5 Dec 2006

    Halifax is calling on the government to raise the inheritance tax threshold to £430,000 and to make a commitment to link the threshold to house price inflation in the future to allow for house price inflation.

  • Halifax rebuff for forecast of market slump

    30 Nov 2006

    Halifax has dismissed claims that the housing market is set for a sharp fall in the next few years.

  • HBOS interest-only quiz

    30 Nov 2006

    The UK's biggest lender HBOS is conducting investigations into the interest-only market to understand borrowers' repayment intentions in a bid to avert a future crisis, Money Marketing understands.

  • Honour roll

    30 Nov 2006

    Informed Choice managing director Nick Bamford dons a Harry Potter style-gown as he graduates with a BA Hons degree in financial services from Napier University, Edinburgh. Next to him is Standard Life's Eric Bruce.

  • IFAP numbers up by 10% since depolarisation

    30 Nov 2006

    There has been a 10 per cent rise in IFA Promotion membership since depolarisation.

  • IFAs hit back at Hargreaves on indemnity

    30 Nov 2006

    IFAs have hit out at Hargreaves Lansdown managing director Peter Hargreaves for say-ing that IFAs face extinction unless they stop taking up-front commission.

  • Interest-only risk is rising

    30 Nov 2006

    Guy Anker says fears are growing over the extent of loans taken out without repayment vehicles

  • John Charcol happy to remain outside Concordia

    30 Nov 2006

    John Charcol says it is comfortable sitting outside of Concordia as it already receives high proc fees and a sufficient number of exclusive deals from lenders.

  • JS&P chooses Vertex technology for its STP

    1 Dec 2006

    Vertex has announced that John Scott & Partners has selected its straight-through-processing technology proposition to support its new wealth management group.

  • Keying blunders cost Clerical 17m

    30 Nov 2006

    Clerical Medical is facing a bill of over 17m after keying errors meant some of its unit-linked policies have been mispriced for the last four years.

  • L&G adds 20 new pension investment funds to range

    5 Dec 2006

    Legal & General has added 20 new pension investment funds bringing the total choice to 59 funds.

  • L&G clients opt to stay contracted out

    30 Nov 2006

    Legal & General says 83 per cent of its contracted-out customers have chosen to stay contracted out of S2P. Out of 3,193 responses received, 2,644 opted to stay contracted out.

  • Lawyer highlights watchdog disparity

    30 Nov 2006

    A leading lawyer says the Financial Ombudsman Service treats advisers unfairly compared with other professions.

  • Let IFAs have their say on standards

    30 Nov 2006

    The subject of bad administration, sloppy service standards and interminable phone queues in dealing with financial services institutions has been aired on many occasions.

  • Liv Vic appoints new MD of life business

    30 Nov 2006

    Liverpool Victoria has appointed former Prudential director of Prulab Rodney Cook as managing director of its life business.

  • Liverpool Vic cuts smoothing time

    30 Nov 2006

    Liverpool Victoria has relaunched its with-profits pension annuity and reduced the smoothing period for new annuity business from five to two years for top-up bonuses. The move is designed to ensure policy-holders' annuity income reflects performance of the underlying investments more quickly.

  • Metals are still shining

    30 Nov 2006

    JP Morgan natural resources co-fund manager Nicole Vettise says the fundamentals of the commodities market remain attractive despite the recent strong run.

  • Midas touch lifts funds over £750m

    30 Nov 2006

    Midas Capital's total funds under management have broken through the £750m barrier, most which is invested in its two multi-asset portfolios.

  • Mifid costs are set to hit £1bn

    30 Nov 2006

    The FSA says the one-off costs of implementing Mifid could reach £1bn, with ongoing costs of £100m a year. It estimates the benefits could generate £200m a year mainly from a reduction in compliance and transaction costs.

  • Milton is picked as Devon candidate

    30 Nov 2006

    High-profile IFA Philip J Milton has been selected as the Conservative candidate for North Devon in the general election.

  • Mortgage fees soar over three years

    30 Nov 2006

    Exit and admin fees on mortgages have rocketed, says online mortgage firm mform.co.uk. Its analysis reveals that the average mortgage application fee three years ago was 281 compared with 634 today. The average redemption fee today is 202 compared with 105 in 2003.

  • NCC calls for caveat emptor

    30 Nov 2006

    The Government-backed National Consumer Council says caveat emptor has an important role in financial services regulation and people must understand their responsibilities when buying products.

  • 'New business focus mars the industry'

    30 Nov 2006

    The emphasis that product providers place on new business is damaging the industry and is detrimental to consumers, according to industry experts.

  • New deal changes at Nationwide

    30 Nov 2006

    Nationwide says it will continue running its "new customers only" ads despite ending its policy of offering the same deals to new and existing borrowers.

  • Off the beaten track

    30 Nov 2006

    I have been struck by the way in which alternative asset classes are gaining more coverage. It is a brave portfolio manager these days who confines the selection of investments to mere cash, bonds and equities.

  • 'Only hope for Equitable policies'

    30 Nov 2006

    The chair of the European Parliament's inquiry into Equitable Life says the UK Par-liamentary Ombudsman is policyholders' only hope for compensation.

  • Paying for protection

    30 Nov 2006

    Nicola York examines why IFAs beliefe a ban on up-front commision for protection advice could kill off the market.

  • Pension detriment

    30 Nov 2006

    Government gives employers an incentive to cut their pension liabilities

  • 'Pension exodus is costing £14bn'

    30 Nov 2006

    The Government's "nanny state rules" on pensions are driving people abroad at a cost of over £14bn a year to the UK economy, claims Standard Life head of pensions policy John Lawson.

  • Pensions Bill confirms abolition of contracting out for DC schemes

    29 Nov 2006

    Providers have expressed dismay at the Government’s decision to press ahead with the abolition of contracting out for defined contribution pensions schemes.

  • Petition backs Asps

    30 Nov 2006

    Hargreaves Lansdown head of pensions research Tom McPhail (pictured) delivered a petition on Tuesday, signed by over 10,000 people protesting at the Treasury's threats to scrap Asps in next week's pre-Budget report.McPhail says the people who signed the petition expressed anger at the prospect of forced annuitisation. He says attempts to restrict Asps to minority Christian groups amounts to religious discrimination.

  • Plan for future

    30 Nov 2006

    At this time of the year, the IFP goes through strategic planning sessions.

  • Pleasantly surprised by TCF seminar

    30 Nov 2006

    With the advent of any new regulatory directive there is always a flurry of courses and seminars offering guidance and support from so-called third-party experts.

  • PMS chases Key with big release push

    30 Nov 2006

    Premier Mortgage Service is making an aggressive push into the equity-release market to try to close the gap on runaway intermediary market leader Key Retirement Solutions.

  • Political property

    30 Nov 2006

    Politics - Jonathan Naylor, managing director of Rooftop Mortgages, poses the questions for the housing spokespeople for the three main political parties to set out their policies on property. Here, Labour's housing and planning minister gives her views while the Tories and Lib Dems explain their stances.

  • Pots of Gold

    30 Nov 2006

    What is the best way for a high-net-worth client to release a tax-free cash following if the A-day changes if they have a number of different sources of pension income?

  • Pressure is growing on Pru over £9bn estate

    30 Nov 2006

    Prudential will come under further pressure to free up its £9bn inherited estate after Aviva's appointment of a policyholder advocate.

  • Principal wins mandate for Sanlam's universal fund

    30 Nov 2006

    Principal Global Investors has been awarded the global equity mandate for offshore multi-manager Sanlam Asset Management's universal equity fund.

  • Product matters

    30 Nov 2006

    Norwich Union has quietly revamped its directto-consumer life insurance product.

  • Professional priority

    30 Nov 2006

    The financial services business should take the opportunity presented by the FSA's principle-based regime to raise standards and the CII can help to lead the way, says John Ellis, group public affairs director at the Chartered Insurance Institute

  • 'Protection premiums could rise by 40%'

    30 Nov 2006

    Insurance premiums could rocket by 40 per cent, further widening the protection gap, if the Law Commission's proposal to introduce a non-contestability period on insurance policies goes through.

  • Pru extending factory-gate pricing to help move to fees

    30 Nov 2006

    Prudential is looking at bringing in a range of products with factory-gate pricing in a move to support advisers who want to move away from commission to a fee basis.

  • 'PTA needs clearer explanation'

    30 Nov 2006

    Moneysupermarket.com has accused providers and advisers of not explaining pension term assurance. Its research found that only 21 per cent of people with life cover would consider switching to a PTA policy.

  • Put trust first

    30 Nov 2006

    Should you trust your pension to a politician?

  • Questions posed over DWP delays

    30 Nov 2006

    The Tories have tabled Parliamentary questions and a Freedom of Information request to investigate allegations the Department for Work and Pensions delays or ignores politically embarrassing Parliamentary questions.

  • Reach to teach

    30 Nov 2006

    Helen Pow looks at how some financial services companies are taking the initiative to help with educating young people about money

  • Repolarisation returns

    30 Nov 2006

    The IFA market is repolarising back into two camps and the FSA should recognise this in its regulation, according to Informed Choice managing director Nick Bamford.

  • Right to Build

    30 Nov 2006

    The Conservaties want to help the have-nots into the property market, says Shadow housing minister Michael Gove

  • Rogue chasers face jail threat

    30 Nov 2006

    The Claims Standards Council believes the onset of claim-chaser regulation will rid the sector of rogue operators as rule-breakers could face a two-year prison sentence.

  • Rooftop tightens criteria

    30 Nov 2006

    Rooftop claims that it has regained the confidence of investors after releasing its latest portfolio of mortgages to be securitised.

  • Rooney on the attack as Tories set annuity goal

    30 Nov 2006

    The work and pensions select committee chairman has slammed the Conservatives for calling for an end to forced annuitisation and putting pressure on the Asp issue, describing their stance as a "charade".

  • ScotLife to offer Sipp with tiered charges

    30 Nov 2006

    Scottish Life is poised to enter into the Sipp market, promising that, unlike rival offerings, customers will only pay for what they need.

  • SGAM UK adds to bond management team

    29 Nov 2006

    Societe Generale Asset Management has hired Gareth Isaac as a fixed income fund manager on its UK bond management team based in Paris.

  • Shelling out for discount offers

    30 Nov 2006

    Over the last month, the FSA has taken public action against coldcalling and misselling singlepremium payment protection insurance by fining two companies.

  • Simply the best

    30 Nov 2006

    Rensburg Fund Management launched a UK best ideas fund on September 1, which has already attracted over £50m. It is called the Rensburg UK Manager's focus trust.

  • Skandia in last ditch bid to stave off Asp crackdown

    30 Nov 2006

    Skandia has written to the Government ahead of next week's pre-Budget report, setting out its views on Alternatively Secured Pensions.

  • Skandia in last ditch bid to stave off Asp crackdown

    30 Nov 2006

    Skandia has written to the Government ahead of next week's pre-Budget report, setting out its views on Alternatively Secured Pensions.

  • Skandia launches online IHT calculator

    29 Nov 2006

    Skandia has launched an online inheritance tax calculator and has published a new guide to help advisers with IHT reporting.

  • Smith & Pinching opens door to IFAs

    30 Nov 2006

    Smith & Pinching Portfolio Management has announced plans for a global property fund of funds as it prepares to start marketing its entire multi-manager range to IFAs from the end of the year.

  • Something in the City

    30 Nov 2006

    The New Star UK property trust has bought the UK headquarters of rival Jupiter's parent group Commerzbank. John Duffield-owned New Star paid £146m for the building on Gracechurch Street in the City of London. Duffield sold Jupiter to the German banking giant in 2000, making £200m, then success-fully sued the new owners for wrongful dismissal. An insider says: "We are looking forward to collecting the rent."

  • Splitting headache

    30 Nov 2006

    In my last article, I identified and discussed a number of important pension issues which I feel are frequently overlooked by many pension advisers and their clients, yet which have the potential either to make or save pension scheme members significant amounts of capital and/or income.

  • Standard Life adds to income protection

    30 Nov 2006

    Standard Life is relaunching its income protection plan after a review. It has introduced guaranteed rates, index-linked benefits and the choice of a termbased plan or cover to a specific age.

  • Standard Life Healthcare guides way to discounts

    30 Nov 2006

    Standard Life Healthcare is offering a 15 per cent discount on premiums on all new private medical insurance policyholders under its Guided Option plan.

  • Standard Life says it's not for churning

    30 Nov 2006

    Standard Life has hit back at a report which claims it is a "churner", saying that only 15 per cent of its Sipp business has come from its personal pension book.

  • Sub-prime is set for cash crunch

    30 Nov 2006

    Mortgages plc is warning that the sub-prime market cannot sustain the present number of companies.

  • Synaptic to feature wrap comparison

    30 Nov 2006

    Synaptic Solutions is adding a wrap comparison tool to its product research service in response to what it says is growing adviser interest in platforms.

  • The Exchange moves to instant annuity quotes

    30 Nov 2006

    The Exchange is offering instant quotations as part of its annuity comparison service.

  • The long and the short of it

    30 Nov 2006

    Almost half of the BlackRock MLIM UK absolute alpha fund is currently shorting stocks, says manager Mark Lyttleton.

  • The Money Portal acquires Swaines

    4 Dec 2006

    The Money Portal has acquired 100 per cent of the Swaines compliance services consultancy.

  • This week in Investment

    5 Dec 2006

    Fresh from rebuffing rumours that they are interested in acquiring Credit Suisse's multi-manager business, AXA Framlington has unveiled a major piece of restructuring and rebranding for its own multi-manager operation.

  • This week in Investment

    1 Dec 2006

    Some people are obviously just too good at their jobs. Take the £3.7bn Jupiter income trust manager Anthony Nutt for example.

  • This week in Mortgages

    4 Dec 2006

    It seems that Latin is all the rage in the mortgage market at present. First there was Edeus' launch in September, which showed that its boss Michael Bolton had clearly remembered his 'amo, amas, amat' from his GCSEs at school when he named his new lender 'from God' or 'creator', depending on which Latin dictionary you swear by.

  • This week in Pensions

    29 Nov 2006

    Scottish Life finally unveiled the latest "unique" Sipp offering, hoping to secure a healthy slice of the multi billion pound market.

  • Threesixty to run business planning seminars

    29 Nov 2006

    Threesixty is staging a series of IFA business planning workshops in the new year.

  • Tories criticise late change on S2P band

    30 Nov 2006

    The Tories have attacked last-minute changes to the Pensions Bill which they say will hit middle-earners because instead of phasing out the top earnings' band of S2P over a number of years, it will be merged with the band below it in one step in 2010.

  • Trade trio want personal accounts ringfenced

    30 Nov 2006

    PensionsBy Paul McMillanThe ABI, the IMA and the NAPF have set aside their differences over who should run personal accounts to warn the Government jointly that the scheme should be ringfenced from existing provision.

  • Trust treatment

    30 Nov 2006

    Why creating a series of trusts rather than setting up a single trust could cut an IHT bill

  • Unconvinced by ZAN's proposition

    30 Nov 2006

    Having read the report on De Montfort Chase's battle with Zurich Advice Network, I see little grounds for sympathy (Money Marketing, November 23).

  • Valuation models take time to be accepted

    30 Nov 2006

    Having read Jeff Knight's letter (Money Marketing, November 16, I am writing in response to the recent press coverage in Money Marketing regarding Mortgages plc's supposed views of GMAC's point-ofsale offer system.

  • Value does not depend on how we are paid

    30 Nov 2006

    I have been reading the ongoing debate about fees and commission which has been reignited by Peter Hargreaves. Getting hung up on whether one is better than the other clouds the more fundamental issue of offering fair value to the customer.

  • Warnings wanted on discount mortgages

    30 Nov 2006

    Brokers are calling for lenders to apply health warnings on mortgage deals that start low and then see rates rocket.

  • Which? says FSA must try harder

    4 Dec 2006

    Which? says the Financial Services Authority still has a long way to go before it can claim that consumers are properly protected.

  • Widows Bank reviews release after losing Saga deal

    30 Nov 2006

    Scottish Widows Bank is reviewing its equity-release business model after losing an exclusive deal to supply Saga.

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