Business Finance Junction – February 2014

Business Finance Junction – February 2014

New Rules Home Mortgages April sees the MMR  (Mortgage Market Review) come into force including waves of change around affordability rules. Those lenders who haven’t already implemented increased affordability checks will do so, as part of applicant stress testing and scrutiny. Commercial Transactions Claims made for tax relief on plant and fixtures within property using [...]
Being Left Out In The Cold By A Debit Card

Being Left Out In The Cold By A Debit Card

The Bank with a tagline: The Moments That Matter  experienced a technology ‘glitch’ (a description adopted for anything that has a wire attached, but doesn’t work) when a part of Lloyds Banking Group’s technology managed to disable some of their hundreds of thousands of customers from using debit cards and cash points over the weekend. Apparently, [...]
What’s Happening?

What’s Happening?

With inflation falling to the Bank of England’s 2% target for the first time in four years and numbers from Bank of England Credit Conditions Survey (2013 Q4)  continuing an upward trend, the notion of  ‘positive’ outlook has (for some) been reinforced. Could it be that Default Rates on lending to small businesses  being reported as [...]
In Business: Notes To Connect The Dots – January 2014

In Business: Notes To Connect The Dots – January 2014

Pollex’s Up! Time Thief Where is the human Pollex situated? First day away from the office and, blessed crackers, I was exposed as a lazy thinker... I’d have to Google that one... I had no idea Thinking takes practice  -  When it comes to cramming certain facts, I’ve never managed to hold the map of routes [...]
Business Finance Junction – February 2014

Business Finance Junction – January 2014

The month of predictions is here... so while we get down to business.... here’s a roundup of what’s being said... Disrupting Business - The Guardian Interest Rates - FT.com  Manufacturing - BBC.co.uk Opportunity - Express Food - Independent Housing - ibtimes.co.uk UK Economy - BBC.co.uk Image and Article credit: Copyright SUF 2014 ©
The Banking Reform Act

The Banking Reform Act

The Banking Reform Act, ring fencing retail and investment banking, and implementing recommendations of the Parliamentary Commission on Banking standard (including criminal offences for senior bankers misconduct), has become law. As is said, this is just the beginning. Although, ring-fenced banks will not be able to hold or own the capital of other non ring-fenced [...]
In Business: Notes To Connect The Dots – December 2013

In Business: Notes To Connect The Dots – December 2013

Businesses Break Up All The Time - Not Always for The Right Reasons There are some get-togethers of which I’m partial to. But, unless the invitation is from nearest and dearest, sometimes there can be a palaver of what bottle to take (are these folks wine buffs...?). For those I know better I’m usually safe in [...]
Business Finance Junction – February 2014

Business Finance Junction – December 2013

To sustain or grow business, owners need to continually invest; However, 2013 has maintained a vein of general turbulence for business... with a finale to the year (unless something else turns up before Big Ben’s midnight striking in the New Year....) on the heels of the Co-Op’s disgraced former Chairman’s scandal,  culminating in RBS being [...]