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Glyn

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Everything posted by Glyn

  1. Jazzer, I not remember 'Hung Parliament' being a vaild party on any voting slip. People voted for the party they wanted, not the one they did not. I also did not see this 'Progressive Alliance' on the voting form that these thieving b******ds keep wittering on about. As for the comments coming from some of the Labour spokesmen in the media about Brown only wanting to do what is right for the contry. What country would that be, Scotland!
  2. And who is it that is pulling all the strings at the moment? Those unelected Lords Mandelson and Adonis and the soon to be Lord of spin, Campbell. So much for democracy!
  3. According to the Labour spin machine he was letting off steam after a difficult conversation. If having a discussion with one of your party's life long supporters is viewed as 'difficult' then he is clearly out of his depth.
  4. Chris, If you really think that your deposit with Yorkshire BS Guernsey is fully covered upto £50,000 by the Guernsey Depositor Compensation Scheme then you really do need to read the small print as you will find it is not necessaraly the case. In the UK if several banks were to fail, as has happened in the not too distant past, depositors would be compensated upto 50k come what may, there is no cap on the total amount that can be paid out. In Guernsey, the maximum amount that can be paid out is 100 million in any 5 year period so if more than one bank fails you are unlikely to get even the 50k guaranteed. So you see, despite your years of experience the Depositor Compensation Scheme in Guernsey does not provide the same level of cover as that on the UK mainland.
  5. knee gel, Look at the small print of the Guernsey compensation scheme. You will find that there is a limit to the total amount that will be paid if any bank gets into trouble. If more than this limit were to be required to compensate depositors in a failed bank or banks you will find that you would get nowhere near the 50,000 per depositor notional compensation that they quote. Just another example of the double speak and spin that comes from the Guernsey authorities. My advice would be to stay well clear of them.
  6. I think you will find that with the IOM, upto 50k is covered, although they do not have any money to pay out if something were to happen. As far as Jersey is concerned the amount covered is a big fat zero!
  7. Anyone with money deposited in a subsidiary bank in Guernsey and seeking comfort in a 'Guarantee' from its parent to help out in times of trouble please note the following statement from the Guernsey Financial Services Commision which in affect states that any such 'guarantee' is not worth the paper it is written on:- 'All Guernsey subsidiary banks have letters of comfort in place which represent an expression of the intention of the parent to support the subsidiary. These letters of comfort can take several forms (ranging from general statements about “support” to references to guarantees). However no subsidiary has a parental guarantee in the sense of a legally enforceable document and these letters do not necessarily ensure that the parent bank will support the subsidiary in times of severe crisis. Letters of comfort are statements of intent which are not legally binding. Nevertheless they have value in concentrating minds at the parent particularly where the parent’s name is used in that of the subsidiary. Despite this, there are reputational and legal reasons for making it clear that the subsidiary will not necessarily be protected by the parent during crises.'
  8. Halifax have two savings accounts that can be opened by non-residents and with interest paid gross. Only problem is you need to visit a Halifax branch to open the accounts, but if you are planning a visit to the UK it should be no problem. Investec High 5 account can also pay interest gross.
  9. I am afraid that this is just more of the spin we have come to expect from this Government. The 'useful' web site that they direct you to is of no use whatsoever to those UK non residents wishing to deposit money in the UK as all it does is refer you to each banks Offshore subsidiary. It seems that the Government can involve itself in your lives when it is not necessary, such as monitoring what you put in your dustbin, but when it could actually do something worthwhile falls woefully short.
  10. WB, Jersey have not yet got around to implementing a depositor guarantee scheme, although this is not far off, and Guernsey were forced to implement such a scheme after depositors lost their money in the Landabanki Guernsey failure. In either case, have you looked to see if the schemes would actually have the capacity to pay out if a bank collapsed? There is a difference between a guarantee that is just a marketing ploy to encourage depositors to leave their money in place and one that will actually payout when needed.
  11. Isle Of Man Depositor Compensation Scheme is all smoke and mirrors. No standing fund and already having to find money to pay out Kaupthing, Singer & Friedlander depositors. £50,000 compensation limit will be reduced back down to £20,000 in October. Guernsey have just introduced a so called compensation scheme but as they have already stuck two fingers up at the Landsbanki depositors who have lost there savings I would not trust them one inch.
  12. Having bought some large wall tiles (400mm x 300mm) I am beginning to wonder if I have done the right thing. I have been reading that you must consider the weight per m2 of the tiles/adhesive together with the surface material of the wall to be tiled. The house is approximately 30 years old and the walls to be tiled are plastered (original I would have thought). The plaster seems to be sound, no blown areas, but I have heard that plaster is not the best base for large tiles. I have primed the walls with one coat of Buildfix Primaire d'Accrochage (not sure if I should put another coat on as I did not seem to use as much as it said on the container) and will be using Buildfix Grand Carreaux powdered adhesive. Does anyone have any advice or recommendations? Thanks, Glyn
  13. Clair, Does this include double glazing? Is this a change? I thought that the 25% used to be on the materials cost?
  14. RSI web site states that if you submit zero returns for 4 consecutive quarters you will be taken out of the Micro-Social regime.
  15. [quote user="parsnips"][quote user="Glyn"][quote user="Russethouse"] I'd have a good look through this : http://www.moneyfacts.co.uk/ I recently found that being tied in for just 3 months gave better interest.... but that was 2 months ago......worth doing some homework... [/quote]   Russethouse, All those accounts are UK based. Has anyone on the forum found a way of opening a UK savings account if you are not a UK resident? I would desperately like to find a safer home for what money I have left having lost money with Kaupthing IOM and Landsbanki Guernsey. [/quote] Hi,    Nationwide International Isle of Man is guaranteed by it's UK parent--worth googling for details. [/quote]   So was Kaupthing. Look where that got me. Has anyone seen the guarantee, is it legally binding, is it really a guarantee or just a letter of comfort? These are all questions that people should be asking when depositing money offshore.
  16. I have alrady lost money that was 'safe' in the IOM, and the 50k compensation scheme is worth next to nothing. It only lasts until next October, there is no money in it and any money that is collected is likely to have to compensate the Kaupthing depositors so there will not be anything left if another bank goes under.
  17. [quote user="Russethouse"] I'd have a good look through this : http://www.moneyfacts.co.uk/ I recently found that being tied in for just 3 months gave better interest.... but that was 2 months ago......worth doing some homework... [/quote]   Russethouse, All those accounts are UK based. Has anyone on the forum found a way of opening a UK savings account if you are not a UK resident? I would desperately like to find a safer home for what money I have left having lost money with Kaupthing IOM and Landsbanki Guernsey.
  18. There is a hire company on the road going North of Ruffec to join the N10. Not sure what it is call but it is on the right hand side near to the lawn mower shop
  19. [quote user="Will"] But spare a thought for the self-employed who have to pay 45% or more in cotisations - perhaps your 8% is not that bad. [/quote] Whilst the figure of 45% for self-employed cotisations is correct, it is really unfair to compare this with the 8% for CMU membership, as self employed cotisations cover a lot more than just the healthcare which someone paying into the CMU would get. 23% pension 1.5% Invalidity & Death 5.4% Family Allowances The figure also includes CSG/CRDS which everybody with any sort of income would also have to pay. The self-employed cotisation for health cover is likely to be much nearer the 8% CMU contribution than many people would like to admit. I know that in total the self employed cotisations are a lot but please compare like for like.
  20. Will, What 'uniformed tosh' are you refering to. The responses seem to be far more informed than Mr Platt's original article.
  21. Poleta, Was your miss spelling of the authors name intentional. His real name is Platt but yours is more appropriate[;-)]
  22. I really feel that Connexion were totally irresponsible in publishing their headline last month before any official statement had been published. They obviously did so to try and gain an advantage over other competing publications and gave the impression that all existing residents in France would be OK. Both those already in the CMU and those on E106's. I have spoken to may people who have read the headlines and said 'everything is going to be alright now' and I think that is why things have gone quiet.    
  23. Perhaps the reason it appears so many E106 holders are not concerned with the changes is that they are not aware of them. With only a few weeks to go until the expiry of their E106's many have still not been informed by either the UK authorities or French authorities, and with headlines in  Connexion stating 'Healthcare ban will not be retrospective' who can blame them.
  24. BAF, If I was in the position of my E106 running out in January I would send as many letters as I could to whoever I saw fit, even if in your opinion it is 'doomed to failure'. As you admit, you are not an expert in european law and I would rather do something than sit on my hands and do nothing.
  25. Peekaboo, When we set up our business we went to the Chamber Of Commerce to register and they sent all the details to the various organisations to register us for health etc. We have still not yet paid any cotisations (although we have had the bills) as they are paid in arrears and are not yet due for payment until February. It took about 6 weeks from visiting the Chamber Of Commerce until we recieved our paper attestations for healthcare and about a further month before we recieved our carte vitale's. However even before we recieved these we were told that we would be covered for health care from the date of registration of our business. We would have to pay any health bills ourselves but would then be able to claim the costs once we recieved the attestations. As a previous poster suggested, if the business has been registered correctly then I would imagine that your friends would be covered by something similar to what I have described. Do not forget that your friends will still have to purchase private top insurance.
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