Sebrof Posted July 8, 2009 Share Posted July 8, 2009 Common decency would have required some sort of COMMUNICATION And spend more depositors' money on empty words? S True emails are so expensive but then the depositors are paying him 11k a month so hes hardly strapped for cash What makes you think he has people's email addresses? S Link to comment Share on other sites More sharing options...
bellyup Posted July 8, 2009 Share Posted July 8, 2009 Common decency would have required some sort of COMMUNICATION And spend more depositors' money on empty words? S True emails are so expensive but then the depositors are paying him 11k a month so hes hardly strapped for cash What makes you think he has people's email addresses? S Give me a break I have plenty of emails from him How to you think the bank communicates Passenger pigeon ? This would of course account for the lack of any. Link to comment Share on other sites More sharing options...
Sebrof Posted July 8, 2009 Share Posted July 8, 2009 Common decency would have required some sort of COMMUNICATION And spend more depositors' money on empty words? S True emails are so expensive but then the depositors are paying him 11k a month so hes hardly strapped for cash What makes you think he has people's email addresses? S Give me a break I have plenty of emails from him How to you think the bank communicates Passenger pigeon ? This would of course account for the lack of any. Most banks don't communicate by email. My banks have no idea what my email address is. S Link to comment Share on other sites More sharing options...
bellyup Posted July 8, 2009 Share Posted July 8, 2009 Common decency would have required some sort of COMMUNICATION And spend more depositors' money on empty words? S True emails are so expensive but then the depositors are paying him 11k a month so hes hardly strapped for cash What makes you think he has people's email addresses? S Give me a break I have plenty of emails from him How to you think the bank communicates Passenger pigeon ? This would of course account for the lack of any. Most banks don't communicate by email. My banks have no idea what my email address is. S Are you for real? Link to comment Share on other sites More sharing options...
nipper Posted July 8, 2009 Author Share Posted July 8, 2009 Best to use the "ADD REPLY" on the lower row of buttons rather than the "REPLY" next to "QUOTE" This will just add your reply without automatically quoting the post, which becomes tedious if that post is directly above the one you are replying to. With quotes - best to use sparingly for best effect, otherwise tedious Link to comment Share on other sites More sharing options...
bellyup Posted July 8, 2009 Share Posted July 8, 2009 Thank you Link to comment Share on other sites More sharing options...
bellyup Posted July 8, 2009 Share Posted July 8, 2009 Here is something positive for the IOM from Shelter offshore http://www.shelteroffshore.com/index.php/o...e-of-man-10508/ Link to comment Share on other sites More sharing options...
bellyup Posted July 9, 2009 Share Posted July 9, 2009 I am sure Sebrof you must be extremely weathy as you are so clever and know it all. No, but I'm not a complete flipping idiot. S I confess I am surprised what with always researching the banks prior to putting the dosh in not doing anything so foolish as putting your eggs in etc etc Tell me where do you keep your eggs? If I ever get my money back where IYO should I put it? I am at this moment in time undecided as to under the bed or a hole in the back garden. Your wise advice would be much appreciated what about the IOM? Convince me. Link to comment Share on other sites More sharing options...
Sebrof Posted July 9, 2009 Share Posted July 9, 2009 I am sure Sebrof you must be extremely weathy as you are so clever and know it all. No, but I'm not a complete flipping idiot. S I confess I am surprised what with always researching the banks prior to putting the dosh in not doing anything so foolish as putting your eggs in etc etc Tell me where do you keep your eggs? If I ever get my money back where IYO should I put it? I am at this moment in time undecided as to under the bed or a hole in the back garden. Your wise advice would be much appreciated what about the IOM? Convince me. Bellyache, you are wise to seek expert advice, but could you afford my fees? S Link to comment Share on other sites More sharing options...
bellyup Posted July 9, 2009 Share Posted July 9, 2009 I am sure Sebrof you must be extremely weathy as you are so clever and know it all. No, but I'm not a complete flipping idiot. S I confess I am surprised what with always researching the banks prior to putting the dosh in not doing anything so foolish as putting your eggs in etc etc Tell me where do you keep your eggs? If I ever get my money back where IYO should I put it? I am at this moment in time undecided as to under the bed or a hole in the back garden. Your wise advice would be much appreciated what about the IOM? Convince me. Bellyache, you are wise to seek expert advice, but could you afford my fees? S It would depend on your qualifications. Most IFAs I have come across are as qualified as estate agents . They will sell you any old crap for a commission. All IFAs should be rich , how can they advise you on your finances if they haven't managed it for themselves. Link to comment Share on other sites More sharing options...
Sebrof Posted July 9, 2009 Share Posted July 9, 2009 All IFAs should be rich , how can they advise you on your finances if they haven't managed it for themselves. True words, Bellyache. Now see if you can keep it up. S Link to comment Share on other sites More sharing options...
bellyup Posted July 10, 2009 Share Posted July 10, 2009 All IFAs should be rich , how can they advise you on your finances if they haven't managed it for themselves. True words, Bellyache. Now see if you can keep it up. S Did you study to be offensive or were you just born that way? Link to comment Share on other sites More sharing options...
Cambon Posted July 10, 2009 Share Posted July 10, 2009 Most IFAs I have come across are as qualified as estate agents . They will sell you any old crap for a commission. All IFAs should be rich , how can they advise you on your finances if they haven't managed it for themselves. Bellyup, here is some free advice. Unless you are actually paying a financial advisor, he is not an independant financial advisor. They are simply the type of financial advisor you describe above. A true IFA you have to pay, and he may, or may get any commission from products and strategies he recommends to you. Link to comment Share on other sites More sharing options...
Slim Posted July 10, 2009 Share Posted July 10, 2009 Bellyup, here is some free advice. Unless you are actually paying a financial advisor, he is not an independant financial advisor. They are simply the type of financial advisor you describe above. A true IFA you have to pay, and he may, or may get any commission from products and strategies he recommends to you. No. You seem to be confusing 'independent' with 'unbiased'. They were initially called independent to differenciate from an advisor who works for a single organisation, for example a financial advisor for a bank. The regulation is now quite tight, and you always have the option to pay for their advice rather than them receive a fee and any commission the IFA receives must now be disclosed. I was quite impressed with Financial Options, who advised me to take a product where they received no fee, and their advice was free. Their position was that I was more likely to take other products that did earn a fee, such as insurance, though them, and I did. Go in with your eyes open certainly, but your post is quite badly out of date in my opinion. Link to comment Share on other sites More sharing options...
bellyup Posted July 10, 2009 Share Posted July 10, 2009 Most IFAs I have come across are as qualified as estate agents . They will sell you any old crap for a commission. All IFAs should be rich , how can they advise you on your finances if they haven't managed it for themselves. Bellyup, here is some free advice. Unless you are actually paying a financial advisor, he is not an independant financial advisor. They are simply the type of financial advisor you describe above. A true IFA you have to pay, and he may, or may get any commission from products and strategies he recommends to you. Free advice is worth exactly what you pay for it. Link to comment Share on other sites More sharing options...
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