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18:02	The Co-op Bank	CatcheeMonkee


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If anyone here has preference shares or subordinated bonds (CPBA, CPBB, CPBC etc) in the Co-op Bank, then you might want to add your details to this campaign: http://www.fixedincomeinvestments.org.uk/fixed-interest-blog/troubleattheco-op https://docs.google.com/forms/d/18wc3Rg7_JwFIw18ZVrKymR_HHQqjru7o1tsca1hQMuE/viewform http://boards.fool.co.uk/a-quick-update-at-the-end-of-day-1-of-the-12833184.aspx Mark Taber was instrumental in saving the investments of Bank of Ireland bond-holders and has offered his services again. More View thread 1 Respond Login to Vote up
17:50	Re: 5 year 20% deposit	AJMS


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For this to be a mis-selling scandal something needs to be "sold". As far as I can tell nothing is being sold. The 5 years should be used by the people getting it to save some of the cash needed to repay the 20%. They will also be able hopefully to raise some of the cash needed by raising the mortgage on the property after 5 years (assuming that it's price has risen). There will also have been a general election by then. More View thread 25 Respond Login to Vote up
12:45	Re: 5 year 20% deposit	no-cash-only-qxl-	1


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Q; Are the 20% loans being taken into account when people apply for mortgage's. As bank and building socity normally ask if you have any other loans when apply for a mortgage. Because it seems strange when most agree this is a bad policy that the banks and building socity are being forced to go-head with this policy. So when this turns into a mis-selling scandel in 5 or 6 years time will it be the banks being sued or the government. More View thread 25 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
10:05	Re: House prices highest on record	enigma1


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Good morning QOTR, it is nice to hear from you once more. The sun has been shining recently but not currently I am afraid. I do hope you are faring better with the weather. I look forward to returning to hotter climes. If I am correct, I recall you having problems with your neighbour over your building work. Did you manage to overcome those hurdles? It is funny how we start to notice things once they have some relevance for oneself. More View thread 25 Respond Login to Vote up
10:01	Re: House prices highest on record	enigma1


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Hipeterd51, yes, I do agree that home owners extending their homes is not a new phenomenon. My comment was that I have seen an increase in the number of homes in my area being extended at any one time, hence my comments. More View thread 25 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
09:41	Re: Turkish... Why Bail At 70p ?	regardless	2


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‘’Yes, this share-dealing lark is bloody stressful !!’’ Correct anyone who read my drunken Friday night posts can see even the Lloyds group No1 fan had the willies at one time I happy to sit in cash for now... But Once HMG is out for good or we I hit 55p I buy back Honest Its less stressful knowing I got my money back in the Bank it was hell for me cos its was my life savings Happy Days More View thread 3 Respond Login to Vote up
09:20	Re: Turkish... Why Bail At 70p ?	Youre avin a Turkish	1


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Good morning QOTR, my 70p figure is purely a break-even figure on my CFD account. I would still keep a considerable number of "proper" Lloy shares, and we are still accumulating them as my other half works for Lloyds and is participating in their various share schemes. As you probably know it costs money to keep shares in a CFD account and therefore tends to force ones hand into day-trading, to pay these interest charges. (Mine are currently running at a few hundred quid a week because I have so many of the damn things) I have successfully paid all these charges over the years by buying & selling various shares & various Lloy tranches. I have nursed this account for several years now & believe they will reach 70p within six months, hopefully sooner. So in answer to your questions:- 1. I think we will get there (eventually), 2. might use my capital, when I get it back to pay the mortgage off etc. 3. Yes, this share-dealing lark is bloody stressful !! Cheers YAAT. More View thread 3 Respond Login to Vote up
Tue 21:19	Re: The Mansion House Speech...	Goodstanding


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Is there any scenario from this speech that may push the price up? Equally what would apply downward pressure? More View thread 3 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Tue 21:10	Turkish... Why Bail At 70p ?	queenofthereich	1


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Hi YaaT. Good luck with reaching your break-even of 70p. I`ll be delighted when and if it comes too, being in at about 63; after accounting for all cost factors relating to my holding. I am curious why you plan to bail at this figure... 1.Do you think we will struggle to reach this point, go no further; and that you will be lucky to get out with your capital intact. 2. Do you need your capital for another purpose? 3. Is having your capital tied up here and underwater simply too stressful? If your reason is the first I have listed. it is in stark contrast to how I see the future. I am confident we will see 70p and considerably higher in due course. I believe it is unlikely that we will 70p undermined once established. I also believe regular dividends will be forthcoming within the next couple of years. These are reasons for me to continue holding indefinitely. This message is not meant to sound condescending. I am just interested in your reasoning. Best wishes in whatever you decide. More View thread 3 Respond Login to Vote up
Tue 20:38	Re: The Mansion House Speech...	Orchard Gate


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More LBG than RBS I think. UKFI could be interesting. More View thread 3 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
Tue 17:36	The Mansion House Speech...	watchdoggy	1


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Tomorrow night will outline the timetable and method of the disposal of the Government's stake in LBG and RBS... More View thread 3 Respond Login to Vote up
Tue 17:25	Re: 5 year 20% deposit	Are Kid


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Doh, More View thread 25 Respond Login to Vote up
Tue 17:25	Re: 5 year 20% deposit	Are Kid


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Doh, More View thread 25 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Tue 16:55	Re: 5 year 20% deposit	Owen Nobody


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Sandbanks is hardly representative of the UK housing market. Seems everyone agrees the 5 year 20% deposit scheme is an accident waiting to happen - if the building societies think it is then we ought to be really scared bearing in mind no one forecast the last problem! http://www.bbc.co.uk/news/business-22949429 More View thread 25 Respond Login to Vote up
Tue 16:16	Re: 5 year 20% deposit	broadmoor1


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ps..Arekid of the 60 deals only 10 had surveys ;-) Thought you'd like that bit ............ More View thread 25 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
Tue 16:14	Re: 5 year 20% deposit	broadmoor1


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5 mins in if your bored....Taylors of Sandbanks 60 deals in 2011 and only 5 needed a Mortgage ! https://www.itv.com/itvplayer/harbour-lives/series-1/episode-1 More View thread 25 Respond Login to Vote up
Tue 16:07	Re: 5 year 20% deposit	broadmoor1


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Are you really saying that 80% of house purchases go through without a mortgage? I'm amazed that the figure is that high ... TF =================================================================== In Sandbanks yes...Which is surprising considering how expensive it is... Hong Kong's Barker Road, where property goes for £859 per square foot, followed by Eaton Square in London's Belgravia at £775 , Sandbanks properties cost £689 per square foot - more expensive than New York's Fifth Avenue at £627 And they say we are all in this together.....just some don't need mortgages . More View thread 25 Respond Login to Vote up
Tue 16:07	Re: 5 year 20% deposit	Are Kid


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I'd say, where I am, around 60-80% of the surveys I do go through without mortgages, or at least that's my coal face experience. More View thread 25 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Tue 16:00	Re: 5 year 20% deposit	taffychaff


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worrying that the coop effectively bailed out by investors market response zero shows the complacency that its almost normal now More View thread 25 Respond Login to Vote up
Tue 15:50	Re: 5 year 20% deposit	Tony Flair


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Are you really saying that 80% of house purchases go through without a mortgage? I'm amazed that the figure is that high ... TF More View thread 25 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
Tue 15:46	Re: 5 year 20% deposit	Are Kid


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I thought you'd back him up B1, well done for the loyalty. I'm all for free speech, said so many times so agree crack on Taffy. How's that for hypocrisy and sitting on a fence????? More View thread 25 Respond Login to Vote up
Tue 15:44	Re: 5 year 20% deposit	broadmoor1	1


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It's called discussion ....which is why we are all logged on here ...to discuss . You crack on taffy....I'm listening and have a nice collection of tins and water in my bunker..the end is nigh :-) More View thread 25 Respond Login to Vote up
Tue 15:14	Re: 5 year 20% deposit	Are Kid	4


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Translation: DYOR - Do your own research IMHO - In my Honest opinion MYOMU - make your own mind up DCMIULM - don't call me if you lose money SBOATEOTWIINB - stop banging on about the end of the world is it now boring More View thread 25 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Tue 15:11	Re: 5 year 20% deposit	Are Kid	2


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Don't be worried about anything is my advice, manage whatever it is that is worrying you. E.G. if you believe this is the case Taffychap, then put your investments into somewhere safe (wherever that is) and not in banks or other volatile investments. It's simple portfolio theory really. If people can't afford the gamble, yes I'm calling it a gamble, of investing money then simply don't do it. If they think the world is going belly up, then possibly a better investment is a bunker, guns, water and food. As for me, I have a diverse investment plan. Money in my own house which I'm not selling at the moment so don't care what it's worth, some shares, various global funds and cash in the bank. If all that goes pear shaped, then the world's gone to pot so I'll get my weapons out and fight for what's left. Simple really. I suppose my point is, there's not real point in you Taffy, keep banging on about the end of the world. You've expressed it many times over the years I've been watching and yep, in the end you may well be right. But don't worry about what you can't change!!! Lecture over, DYOR IMHO MYOMU DCMIULM and SBOATEOTWIINB More View thread 25 Respond Login to Vote up
Tue 14:37	Re: Upgrade gone Downgrade	Hibeesfan


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SOAT I'm noticing a degradation. Wasn't sure if it's related to changes ii have made or the very poor computer network that my company have. Whatever it is a pain. Regards HF More View thread 5 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
Tue 14:31	Buy Re: 5 year 20% deposit	Youre avin a Turkish


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Fantastic debate chaps, but who really cares as long as Lloyds keeps going upppppppppp 70p now my break-even point and I'm outa here !!!!!!!!!! GL to all those Long Term holders. More View thread 25 Respond Login to Vote up
Tue 14:21	Re: 5 year 20% deposit	taffychaff


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yes 1 mill empty also just 6% uk built on and9% if include road and rail kills the small island myth More View thread 25 Respond Login to Vote up
Tue 13:55	Re: 5 year 20% deposit	no-cash-only-qxl-


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bigfatron, For over the last twenty years i have heard that, there is a shortage for first time buyers. But we had a building boom since then. Builder only build 10% of new house that are suppose to be for first time buyers. IF you drive round any towns centre or council estate, you will find plenty of empty property. If the council start to charge the owner full council tax for the empty property, than more property that first time buyer could afford would come on the market . ALSO if the council's stopped leaving so many property empty on there own books that would help. Near where i live and work the council have allowed builder to change two former night clubs into flats. the first 0ne finished over a year ago has still not sold a single flat and the builder has had to put one up for auction. The second one has just started building which is inbetween a pizza shop which is open till 2:30am another night club open till 2am and directly across the road another night club open till 3:30am. Where is the planning restriction. People keep saying there is a shortage of property for first time buyer, but there are over a million property sitting empty, help first buyer get into those property . Most will need some work done on them giving local builder jobs. As for this 5 year 20% loan who brain child was this idea, and who has agreed with it. NAME AND SHAME THEM. More View thread 25 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Tue 12:28	Re: Upgrade gone Downgrade	Son of a tiger


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Also noticed that 'Sign In" stays 'Sign In' even thou it changed to 'Sign Out' before last weekend. More View thread 5 Respond Login to Vote up
Tue 12:19	Sell china credit unprecidented-fitch	taffychaff


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Fitch says China credit bubble unprecedented in modern world history China's shadow banking system is out of control and under mounting stress as borrowers struggle to roll over short-term debts, Fitch Ratings has warned. Fitch warned that wealth products worth $2 trillion of lending are in reality a "hidden second balance sheet" for banks, allowing them to circumvent loan curbs and dodge efforts by regulators to halt the excesses. Photo: Alamy By Ambrose Evans-Pritchard, International Business Editor4:12PM BST 16 Jun 2013295 Comments The agency said the scale of credit was so extreme that the country would find it very hard to grow its way out of the excesses as in past episodes, implying tougher times ahead. "The credit-driven growth model is clearly falling apart. This could feed into a massive over-capacity problem, and potentially into a Japanese-style deflation," said Charlene Chu, the agency's senior director in Beijing. "There is no transparency in the shadow banking system, and systemic risk is risi More View thread 1 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
Tue 11:48	Hold Re: 5 year 20% deposit	BigFatRon	5


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This policy is about the most stupid thing I have heard of yet, and I have yet to find anyone from a financial background who disagrees. The difficulty for first & second time buyers climbing the property ladder arises from a severe shortage of supply due to planning restrictions - helping to stoke a property bubble by subsidising aspirant buyers to meet inflated price/deposit requirements whilst doing nothing to address the supply gap is just asking for trouble... More View thread 25 Respond Login to Vote up
Tue 10:14	Re: 5 year 20% deposit	broadmoor1	1


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Spare a thought for the Sandbank buyers of which 80% of house sales don't require a mortgage.. More View thread 25 Respond Login to Vote up
Tue 09:42	Re: 5 year 20% deposit	peterd51


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Hi taffychaff, 'if houseprices were left to fall with market forces' then far too many people would be in negative equity and couldn't afford to move... meaning less houses available for first time buyers... so wouldn't 'market forces' move the prices upwards again as buyers start a bidding war to win each property? Regards Peter More View thread 25 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Tue 09:41	Re: Upgrade gone Downgrade	Owen Nobody


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Try clearing your cache More View thread 5 Respond Login to Vote up
Tue 09:19	Re: Upgrade gone Downgrade	broadmoor1	1


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Nope...Try another browser ie: Firefox or similar as that's a local setting to your pc that opens another window. More View thread 5 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
Tue 08:49	Upgrade gone Downgrade	Son of a tiger


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Has anyone noticed that II have been faffing about with the site again. When I used to click on the discuss link I got to the bb and then could look at posts by clicking the post which would open and drop down and a single click would close the post and I coul repeat for the next post. Since the weekend clicking on a post opens the post in a new window which I have to close which is annoying me. Anyone else experiencing the same annoyance. More View thread 5 Respond Login to Vote up
Tue 08:41	Re: 5 year 20% deposit	Son of a tiger


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YES, no-cash-only-qxl- you are right and with your forecast assumptions for 5 years time. This could become 2018's mis-selling scandal. More View thread 25 Respond Login to Vote up
Tue 06:17	Re: 5 year 20% deposit	taffychaff


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reality is that things are so bad that if houseprices were left to fall with market forces most of our banks would collapse including lloyds we should all be worried about that in terms of just what a nightmare it all is More View thread 25 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Mon 19:42	Re: Extensions.	Peter Alan


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Thats because Councils will only consider revalueing a house when the ownership changes. They usually don't bother but as they are strapped for cash they may start doing it. More View thread 12 Respond Login to Vote up
Mon 17:00	Re: 5 year 20% deposit	Are Kid


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There's some debate on exactly this in the profession and markets. More View thread 25 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
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