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From Middle Earth to Middle England

2003 finished on a high note with the premiere of Lord of the Rings so I am hoping that 2004 will live up to my greatly inflated expectations. I predict that my stomach will also grow to inflated proportions as I remain unable to refuse dessert.

Predictions for the mortgage market are a little vague but I hear from good sources that rates are likely to drop in January – in which case, there is a chance that I might listen to the advice of nea-rly everyone I have met since I started this job, and get on that housing ladder. No, on reflection, that&#39s highly unlikely unless of course the much maligned highly inflated-salary self-certification option is presented to me.

Moving (swiftly) away from mortgages and back to me, me, me, another hope for 2004 is to get a puppy. But living in a second floor flat in Stockwell, South London, this option is not really open to me, so I am looking for a bit of a windfall on the lottery. Failing that, winning The One account&#39s base rate competition would be nice…come on James Duffell, give us a chance.


Nationwide – 3 Year Tracker Mortgage

Type: Tracker mortgage Tracker term: Three years Tracker rate: Up to 95% of valuation &#45 Bank of England base rate plus 0.69%, up to 90% of valuation &#45 base rate plus 0.29%, up to 75% of valuation &#45 base rate plus 0.19%% Minimum loan: £1 Maximum loan: Up to 95% of valuation subject to a […]

Norwich Union – Fixed Income Plan 4

Type: Capital-protected bond Aim: Income linked to the FTSE 100 index Minimum-maximum investment: £3,000-no maximum, Isa £3,000-£7,000 Term: Five years Guarantee: Original capital returned in full provided the FTSE 100 does not fall by more than 30% and returns to at least its starting level Return: 0.44% income a month, 5.65% income a year, 31.28% […]

Quester searches for top-up

QUESTER CAPITAL MANAGEMENT QUESTER 5 VCT Type: Venture capital trust Aim: Income and growth by investing in unquoted companies Minimum investment: Lump sum £3,000 Opening/closing date: November 17, 2003/March 31, 2004 for 2003/04 tax year, April 30 for 2004/2005 tax year Charges: Initial 5%, annual up to 2.5% Commission: Initial 3% Tel: 020 7227 3333 […]

Leggmason to launch onshore US small cap fund

Leggmason is waiting for FSA approval to launch an onshore version of its Dublin-domiciled US small cap fund, which is up 102 per cent since launch in November 2001. The new fund will be run by the same manager, Chuck Royce, who runs the offshore fund in the US through his company Royce Associates, a […]

Greg Broomer 2

Survey looks at the challenges facing businesses post auto-enrolment

A survey conducted by Johnson Fleming at the Pension & Benefits Show 2014 highlighted the key challenges faced within organisations post auto-enrolment. The results showed that communicating the changes and the value of them to staff, and receiving timely data from the payroll provider proved to still be the most challenging aspects of managing an auto-enrolment scheme.


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