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My bank manager Captain Mainwaring has advised me to make the most of tax incentives and allowances while i can, Government policies on savings and investments are always subject to change.
Lloyds falling way behind the branch closure curve compared to it's major high street rivals.
Banks don't want you to use their branches or cash machines .
Energy, Banks and now Supermarkets now join the growing list, " Profit " is fast becoming a dirty word for both Conservative and Labour.
The battle lines are now slowly being drawn up for next year's General Election with shareholders caught up somewhere in the middle.
" the London market is already cheap " .......... Yes, and for a very good reason.
Turbulent times ahead, market outlook is seen as poor by many top Fund Managers, UK - focused equity funds have now experienced 26 months of consecutive net outflows against a backdrop of heightened political economic uncertainty, and stricter London market regulation.
Data methodology used when compiling monetary and financial forecasting statistics can be confusing and inconsistent at the best of times. Latest IMF data forecasts UK GDP to fall by 0.3% in 2023 the lowest figure in the G7, with growth returning to 1.0% in 2024.
On a lighter note, happy birthday National Health Service, we should all celebrate its incredible achievements over the past 75 years.
Instant access to your cash and tax exempt, still the real deal for high or top - rate taxpayers.
The next General Election, will be a watershed moment for UK politics.
People are now crying out for change. a new government and a new way of governance is on the way, and will hopefully result in a fairer future for the citizens of the UK.
LTI
I intentionally left out the employee share option numbers to highlight the " smoke and mirrors " effect that completely undermine the usefulness of this costly multi - year share buyback programme.
11th May 2015 71, 373,735,357 shares in circulation.
30th June 2023 64,640, 297,474 shares in circulation.
= 6,733,437,883 shares cancelled.
Not much to show so far, for the many billions of pounds of shareholders cash spent on the buyback programme over the past few years.
Livestock
ONS data only covers the period up to the end march, higher interest rates have yet to be felt, economists still expect the UK economy will enter recession at some point in the second half of the year.
Complete rubbish, all part of a further crackdown by UK banks and regulators on customers heavily connected to the murky world of offshore banking, tax evasion and dirty money laundering.
Nigel Farage, offshore shell companies and dodgy tax evasion, come to your own conclusion ?
Commercial property market is a growing concern for banks, particularly for lenders Lloyds and NatWest and could well turn out to be a future casualty of the banking sector.
" tip of the iceberg " high interest rates and inflation are taking a growing toll on company debt repayments and operating profit margins particularly in the SME market segment.
UK taxpayers could be on the hook for £14Bn of debt.
Could turn out to be another classic example of privatise profits, socialise losses.
Government talk and speculation of introducing a new tax on company share buybacks after the next General Election to bolster Treasury cash strapped finances is growing.
IPPR think tank report suggests this new tax levied at 25% would raise up to £4.8 Bn from oil giants Shell and BP alone.
Car leasing and credit card loans also a major concern for UK banks, all adds up to a cost of living time bomb no one can defuse.
More like a merger or buyout with Barclays rather than Lloyds, Barclays have quite a few attractive North American investment banking assets JPM Morgan would dearly like to get their hands on.
JPM Morgan chase franchise strategy still on track to double its worksforce and deposit base over the next three years without any help from Lloyds.
Matador78
Banking a poor choice of career today for young people, challenging, stressful, high expectations for targets to be met leaving many employees burnt out by the time they reach 50.
Hounddog10
Over the coming months expect to see Sunak launch a 2024 General Election charm offensive on the electorate, and Yes, that will undoubtedly include a Conservative vote winning windfall tax on the banking sector.
Banks viewed as Public Enemy No1, by both savers and borrowers .
Markets are probably already pricing in future prospects of a windfall tax levied on excess profits generated by the banks due to a sharp rise in interest rates.