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Feeling the burn

Scottish Life International entertaining at a Burns night supper last week offered something not many others Burns nights can boast – potentially burning the guests.

The Diary was alarmed to hear that guests tucking into a good solid feed of haggis, neeps and tatties had to suddenly flee their Scottish experience for the safety of the street when the fire alarm went off.

Guests mingled with hotel patrons in their pjs while the situation was sorted out. Fortunately, Burns night did not involve flame-grilling the guests and all were allowed back to toast the lassies and sing Auld Lang Syne in one piece without the need to apply burns cream.


Treasury rethinks suite proposals to comply with ISD

The Treasury is to modify its proposals for the Sandler suite so they will comply with the Investment Services Directive, according to Ron Sandler. Sandler told the select committee that he has been reassured by Treasury Fin-ancial Secretary Ruth Kelly&#39s team that it is looking closely at the requirement for inclusion of a suitability test […]

FSA to change fee tarif for IFAs

The FSA has released details of its fees and fee strategy for 2004/05.Consultation Paper “04/02: Fees and Fee Policy” has confirmed that the regulator will change its fee structure for A12 and A13 type firms — IFAs — to a turnover based tarif rather than the present registered individual system in 2005/06.The total tarif base […]

Rock increases mortgage multiples

Northern Rock has increased the income multiples on some of its mortgages. The increases will apply to Rock&#39s five, seven, 10 and 15-year flexible fixed products and the together five and seven-year fixed products. Rock is offering 4.3 times single income on its five-year and over fixed-rate together product, 3.25 times joint income or 4.3 […]

A consumer&#39s view

The Treasury&#39s move to clamp down on inheritance tax avoidance schemes which seek to get round the gift-with-reservation restrictions is not entirely unexpected. Promoters of these schemes, mostly big firms of accountants and solicitors and high-net-worth advisers such as St James&#39s Place, must have known that to actively promote such a blatant tax avoidance device […]

Creating opportunity out of change

By Denise Wond, marketing manager The buy-to-let market has recently been the subject of a raft of tax changes, all of which make it a less profitable and less appealing proposition for investors. In response, we’ve seen a dip in demand for BTL mortgages and that’s bad news for many advisers who will now be looking […]


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