Hi Now that house prices are falling I'm looking at buying a property to rent out. As I've paid off the mortgage for the property I live in do I need a buy to let mortgage? Would it be a the discretion of the the lender? I'm assuming that BTL rates are higher because the majority of them are secondary mortgages. Also, as It would be my only one could I claim to be a first time buyer?

My parents bought 500 shares each of Alliance & Leicester Shares when they become a bank on April 21, 1997. They said that when they bought the shares, they were 59p per share or something like that. Can someone experienced tell me how I can find out what they should do at this point? I know that A&L is now acquired by Banco Santander. I also saw that A&L's shares are now about one third of what...

The INTERPRETATION GUIDE is towards the end of this article, immediately following the stock price forecasts. SYMBOL, DATE, PRICE, FORECAST, PERCENT AXP, 20080826, 38.2800, -1.7129, -4.5 AXP, 20080825, 37.8100, -1.1719, -3.1 AXP, 20080822, 38.3800, -1.7048, -4.4 AXP, 20080821, 37.0100, 0.2621, 0.7

Taxes and Penalties Involved in a Loan When applying for a loan, a borrower must be clearly aware of his obligations to his lender. It is typical for a borrower seeking a loan to check out the interest rate that the lender offers. But regardless of what type of loan you’re seeking, the interest isn’t the only factor involved in a loan. Taxes and penalties are two important factors that a...

My girlfriend has a current account with one bank and decided she wants to open a savings account with another and eventually move her banking to this new bank. I'm an hsbc customer and have been really happy with them so I suggested opening a savings account with them. We went along one Saturday and spoke with someone about it and they immediately got all defensive and started asking why, if she...

This is not school homework but an interesting situation I came across. 1) John bought income property A in London in 2005 for 100 pounds, 2) Dave bought income property B in Liverpool in 2006 for 60 pounds, inflation was 10% up from previous year John & Dave became mutually partners on the AB = A+B pie. What % each does own of the pie? Next,

It's a simple enough question, what do I do with £110,000 liquid assets? At the moment I'm living alone in a rented flat for what I consider a very reasonable £380 pcm. I'm not exactly happy here but it's perfectly acceptable. I'm not keen on buying this place though. My current income is around £800 pcm. And my outgoings swallow a great deal of that. I want to make this money work for me...

BELOW IS A SUMMARY OF PRICE FORECASTS FOR VARIOUS STOCKS AVAILABLE FREE AT http://ForecastS.com/free/ GUIDE TO INTERPRETATION is at the end, below. FORECASTS ON TICKER SYMBOL: AXP SYMBOL, DATE, PRICE, FORECAST, PERCENT

The latest price forecast on FNM, shown below, shows that FNM is increasingly bearish, notwithstanding the seeming gradual advance (caused by short squeeze). The supply at the $6-$6.5 region is formidable and would appear a good place to unload long inventory, buy puts or go short. In the bearish case, one should be prepared to do scale trading, and therefore only a small portion of risk...

Yingli Green Energy Holding Co. Ltd. (YGE) FORECASTS ON TICKER SYMBOL: YGE SYMBOL, DATE, PRICE, FORECAST, PERCENT YGE, 20080825, 17.9400, -1.9419, -10.8 YGE, 20080822, 17.8000, -3.2128, -18.0 YGE, 20080821, 15.4000, -1.2298, -8.0 YGE, 20080820, 16.1000, -0.9080, -5.6 YGE, 20080819, 14.7000, 0.2397, 1.6

What to Ask a Credit Counseling Agency If you have decided to seek help from a credit counseling agency, never presume that all agencies have your best interests at heart. There are agencies that disguise themselves as “non-profit” credit counseling organizations, when in fact they are conducting illegal operations. Remember, being called a non-profit agency does not guarantee the legitimacy of...

Hi, Assume this: John bought income property A in London in 2005 for 100 pounds, it makes 20 pound per year, Dave bought income property B in Liverpool in 2006 for 60 pounds, it makes 15 pound per year, Larry bought income property C in Manchester in 2007 for 75 pounds, it makes 17 pound per year.

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They said sanctions don't work (Iraq) It seems that they don't (Zimbabwe) I don't think the ruling Zanu party is hurt a bit with the economic mess they are in. They did kick out a number of their citizen (White Zimbabwians of Briitsh ancestory). When African American and British Black politicians back such a regime or want to see a National Unity government formed with opposing MDC, what does it...

Any comments please on the efficiency or otherwise of this bank with regard to savings?

FORECASTS ON TICKER SYMBOL: FNM SYMBOL, DATE, PRICE, FORECAST, PERCENT FNM, 20080822, 5.0000, -3.1301, -62.6 FNM, 20080821, 4.7500, -2.3011, -48.4 FNM, 20080820, 4.3600, 0.3557, 8.2 FNM, 20080819, 6.1000, 0.4237, 6.9 FNM, 20080818, 6.2000, 0.2897, 4.7 FNM, 20080815, 7.9100, -0.5560, -7.0

Are there any roles in asset management/ stockbroking which, you don't need FSA approved person status to do? I don't want to do back office admin. I really want to be either predicting market/ industry trends and where to invest money or dealing with clients, as an advisor or investor relations role. I am asking the Q because I believe that something in my past may prevent me from passing the...

Has anyone used this system and did it work? Recently I made an online payment to tmobile through my tmobile account. Part of the way through the process the Mastercard Securecode window popped up and prompted me for some details. At first I thought it was a scam or some phishing thing. Anyway, I continued along and it told me I had failed authentication, however the payment still went...

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What are Unsecured Tenant Loans? People often resort to personal loans for different purposes. These loans can either be secured or unsecured. In this article, we’ll be focusing on unsecured loans- what they are, how they work and how to find the right unsecured loan in the market. What are Unsecured Loans? As its name implies, an unsecured loan is a loan that doesn’t require

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Sorry if this is OT, I couldn't find a appoiate news group. I have a Council Tax payment card issued by my local Council. I used to pay by a paying book and using cash. Will I be able to use the Council Tax payment card and my Debit card to pay my bill at the PO instead of paying cash?

Our son is soon to get a mortgage to buy his own flat and also expects to get married in a year or so. We have seen others having the unfortunate experience of loosing most of their savings after a divorce. Since the divorce rate is so high these days, we thought if I or my wife were put down as 'owners in common' on our son's property deeds, then a future spouse could 'not' walk off...

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I know somebody who was declared bankrupt but I think they paid their debts within a month and got it cancelled. Does this apply to Kerry Katona or in the earlier case would there be something relevant I'm not aware of?

I have been assured by my bank that they are correct to state that their account numbers are seven digits. Despite this they tell me that if anybody wants to pay me money they have to quote a leading "0"! Where is the logic in that?

I signed up with CreditExpert a few months ago when somebody with my name but a different address and date of birth got added to my report. I've been checking my credit report regularly. Recently I asked for a quote for a car loan but I didn't take out the loan yet my bank got confused and it took ages to get the loan cancelled on their records. When I checked my credit report it said that the...

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Can You Live Totally Free from Debt? If you stop to consider the trend, everywhere you look, people use debt and credit to get by. Whether purchasing a home, a car, going on vacation, starting a business, improving the house, or shopping for groceries, people use credit in one way to another. Loans and credit cards are offered by thousands of lenders and financial institutions. Is it possible...

Hi, I hope you will be able to offer some advice! I own a very small limited company, along with a friend, we own 50% each. Turnover is very small - £10-20k p/a. We have no payrolled emplyees (we run everything ourselves in our spare time), last year, we paid a dividend to ourselves. Last year, my wife, who was a teacher, gave up work to be a full time

The rate of inflation in Black Zimbabwe jumped to just over 11,250,000% in June, official figures show. "It gained 9,035,045.5 percentage points from the May rate of 2,233,713.4%," said state media quoting the Central Statistical Office (CSO). However, experts believe the actual rate of inflation may be MUCH HIGHER.

I have a traditional with profits pension policy (under the old S226 ICTA 1970) with Scottish Widows. It has a guaranteed annuity rate of 9.8%. I am in the process of transferring various ragtag other policies (including some shocking under-performers from London Life and Equitable which were made paid-up years ago) to a SIPP. But the SW one has been kept up throughout, and I have 18 years...

Some live without credit cards -- could you? How and why 25 percent of Americans live a cash-only life Is there life without credit cards? And if so, is it worth living? In today's instant gratification world, the thought of forgoing credit cards in favor of a cash-only lifestyle seems as foreign as mailing a handwritten letter through the post office: We know some people do it, but it's hard...

Are PIB's a good prospect at the present time? They have all been in capital decline this past year in spite of their good yields. Ted Posted Via Usenet.com Premium Usenet Newsgroup Services ---------------------------------------------------------- http://www.usenet.com

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As long as you've had them more than 10 years ? any expert opinion welcome

We should think that God, who has given us Jesus Christ in order to save us through Him, has nothing to do with the Evil. God gave the life to the angel, who later rebelled against God Himself, even if He got knowledge of the angel’s rebellion, because, otherwise, it would be like to hide the hand within the sleeve. These considerations, being already read by thousands of people all over the...

Ratio of to . e.g.. petrol:crude oil or drugs:crops would be so high that people are willing to kill to gain a monopoly of the highly profitable trade. it is not as simple as ROI, I think.

I have been made two offers of a re-mortgage by my lender. The first is the bank's standard variable rate of 7.00%. With this offer there are no fees and no penalties for early repayment. The second is bank rate (currently 5%) plus 1.99%. With this offer there are no fees but a 3% early repayment fee for the first 12 months. As they are both roughly the same and I don't expect to repay the

I am sorting out a divorce settlement at the moment. One of the assets being transferred around to balance things out is an endowment policy, currently solely in my (soon to be ex) wife's name. There are two choices: - She deeds the policy over to me, then I can pay it, freeze it or sell it, whatever suits at the time. - She surrenders/sells it and gives me the cash.

Trying to get free from debts can be frustrating. Fortunately, there are steps that you can take to recover from this financial burden. The common solution recommended for people in debt is consolidation. Usually, if you seek debt help from a credit counseling agency, you may be advised to enroll in a debt consolidation program. Is debt consolidation really the answer? Debt consolidation is...

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If someone rather than holding money in a deposit account for interest, takes out one of these one-year or two-year bonds paying x%, are they covered by deposit insurance in the same way as are deposits of less than 32,000? FoFP -- "They say there are no atheists in a foxhole. Well, there

What Types Of Debt Can Be Consolidated? A debt consolidation program is sometimes necessary to help a person recover from his debts more easily and quickly. Nevertheless, not all types of debt can be consolidated. In this article, let’s discuss the different types of debt that one can enroll in a consolidation program. But first, let us define what debt consolidation is. Defining Debt...

Hi, Could anyone please explain in fairly simple terms the answer to these two questions which baffle me (and my economically-allergic mind)? Inflation: there are many stories doing the rounds currently about various service providers (water and energy companies are the most recent) putting their prices up by x% above the inflation rate. Similarly we hear of fuel costs, food staples etc. again...

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