P500 Teletext 500May1121:15:12?/bs`pp0ppp`pp0pp0s1pppj <,,,|||| }4jjk5s{jk57!5s{j 5h7-7hr 5 jjj5zjj5u05zj 5k7!4h~ #! "#"#"!###"#"!##!#!###"# 5zux%*' ``H E A D L I N E S````` usss||| ############
SURPRISE SETBACK FOR FACTORY OUTPUT 504 SHELL PROFITS SQUEEZED BY OIL PRICE 528 GERMANY CUTS DISCOUNT, LOMBARD RATE 506 ORDERS UP ACROSS COUNTRY ` CBI POLL 507``````````````````````````````````````` FTSE Dow 3629.04 -27.37 |||||||| 0 Tokyo20,150.13 +232.35 3130.5 $ 1.4915 +0.2 -5.8 Gold $382.25 +$1.85 at CLOSE Oil $16.10 +8cts ```````````````````````````````````````City news 501 Company news 520City diary 509 International 530Prices index510 FAMILY FINANCE 540
YorkSHARE: Deal for #9 see p430 CityNewsSharesCompNewsFamily Finance P526 Teletext 526May1121:15:17?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5 CU ENJOYS FOUR-FOLD INCREASE Insurance giant Commercial Union enjoyed a four-fold increase in pre-taxoperating profits in the first three months of the year. It made #64m, against #16m in the firstquarter of 1993. Operating profits per share soared to 7.2p from 0.9p. There was an improvement in both life assurance business and general insurance such as cars and houses. ``````````````````````````````````````` Commercial Union results521
POPULAR SHARES: LATEST PRICES p516 NextCityIndexSharesFamily Finance P507 Teletext 507May1121:15:32?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 ORDERS BOOST RECOVERY HOPES Manufacturing companies' order books have swollen in every region of the country in the last four months for thefirst time since 1989, a CBI poll shows Total orders from domestic and overseascustomers rose fastest in Wales, the South East, Scotland and the East and West Midlands. But the survey shows Scotland and the North expect a small decline in demand.``````````````````````````````````1/2`` Surprise setback for output504
TAX, SAVINGS, MORTGAGES - SEE p540 Next CompNews Shares Family Finance P507 Teletext 507May1121:15:50?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 EXPORTS KEY ROLE IN RECOVERY The CBI said exports have played a key role in the recovery and output has also risen in every mainland region of the UK for the first time in four years It added evidence from manufacturers inthe South East was a sign "that the upturn has become more firmly rooted". Over the next four months output is expected to rise further in all regions, except Scotland and the North.``````````````````````````````````2/2``Financial headlines500 City index501
TAX, SAVINGS, MORTGAGES - SEE p540 Next CompNews Shares Family Finance P501 Teletext 501May1121:16:07?/bs`u`p`0 s1ppp`p5ppp`p`p <,,,|||45 j"7jj5 57j757*~? 5h7-7hr5upj 5jz5 55ju5wsjk 5k7!4h~5###"# #!bs{5 #!#!#"##!###"#"# 5zux%*'5``````````````````````````````usss|||5502Royal Bank of Scotland profits soar503Insurance giant Guardian backs PIA 504Surprise setback for factory output505RTZ sees brighter outlook for trade506Germany cuts discount, Lombard rate507Orders up across country ` CBI poll508UK "set to spearhead Euro recovery" 509City diary for the week ahead
402Latest UK/World news ```````````````````````````````````````Financial headlines500 FTSE 517Prices index 510 Forex 518Company news index 520 Pound 519
SHARE DEALING SERVICE-SEE PAGE 535 1st pageNewsflashSharesFamilyFinance P502 Teletext 502May1121:16:26?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 ROYAL BANK SURGES AHEAD Royal Bank of Scotland, owner of the rapidly expanding Direct Line insurancegroup, has reported a stunning half-year performance. Direct Line itself boosted profits almost three times from #15m to #41m as it continues catching a bigger sliceof the car insurance market. Six monthly profits at the RBS group surged to #201m from #89m. ``````````````````````````````````1/2`` Royal Bank of Scotland results522
TAX, SAVINGS, MORTGAGES - SEE p540 NextHeadlinesSharesFamily Finance P502 Teletext 502May1121:16:44?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 ROYAL BANK BUSINESS SOARS Royal Bank of Scotland has reported a surge in profits with all divisions contributing strongly. Chairman Lord Younger said UK banking, Direct Line and Citizens had all "made an excellent start to the year". The strong performance was helped by a #71m slump in provisions for bad debts to #111m. Shareholders will receive an interim dividend of 4p against 3p. ``````````````````````````````````2/2`` Royal Bank of Scotland results522
TAX, SAVINGS, MORTGAGES - SEE p540 NextHeadlinesSharesFamily Finance P503 Teletext 503May1121:17:03?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 GUARDIAN SET TO JOIN PIA Insurance giant Guardian group has confirmed it is to join new regulator the Personal Investment Authority. The future of the PIA, which is due to regulate personal financial services from July, had been under a cloud sincethe Prudential said it was not joining. Guardian chairman Charles Hambro also told shareholders quarterly results hadshown 1993's success was continuing. ```````````````````````````````````````Financial headlines500 City index501
FAMILY FINANCE: GET THE FACTS p540 Next CompNews Shares Family Finance P504 Teletext 504May1121:17:21?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 SURPRISE SETBACK FOR OUTPUT Manufacturing output suffered a setbackin March, falling by 0.5% compared withFebruary, according to CSO figures. The decline follows rises in January and February of 0.9% and 0.6% and will surprise economists who were expecting a third consecutive month of expansion. The CSO said the fall was mainly due tolower levels of production in the food and engineering industries. ``````````````````````````````````1/2`` Order books swell across UK507
TAX, SAVINGS, MORTGAGES - SEE p540 Next CompNews Shares Family Finance P504 Teletext 504May1121:17:39?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 OUTPUT UNDERLYING TREND UP Manufacturing output fell by 0.5% in March ` but figures for the first threemonths of the year showed a healthy 1.4% rise on the last quarter of 1994. This is seen as a better guide to the underlying trend rather than volatile monthly statistics. The Treasury said the trend was firmly upwards, with the strongest quarterly growth since the first quarter of 1989.``````````````````````````````````2/2``Financial headlines500 City index501
TAX, SAVINGS, MORTGAGES - SEE p540 Next CompNews Shares Family Finance P505 Teletext 505May1121:17:58?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 RTZ SEES BRIGHTER MARKETS The world's biggest mining giant RTZ has told shareholders it expects Japan and continental Europe to follow the USand UK out of recession. Chairman Sir Derek Birkin told the annual meeting recovery in the markets "should lead in due time to an improvedtrading environment for our products". Looking further ahead, Sir Derek said world trade would be helped by Gatt. ```````````````````````````````````````Financial headlines500 City index501
SHARE DEALING SERVICE-TURN TO P511 Next CompNews Shares Family Finance P506 Teletext 506May1121:18:17?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 BUNDESBANK CUTS KEY RATES The Bundesbank has ended speculation onGerman interest rates by lowering both the discount and Lombard rate after its council meeting this morning. The key discount rate falls to 4.5% from 5% previously and the Lombard ratefalls to 6% from 6.5%. The central bank said the move reflected the fact that the outlook forGerman inflation had improved. ``````````````````````````````````1/2``Financial headlines500 City index501
REPORTS FROM THE WORLD MARKETS p530 Next CompNews Shares Family Finance P506 Teletext 506May1121:18:34?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 UK RATES "TO REMAIN ON HOLD" UK interest rates are set to remain on hold for the foreseeable future despite the Bundesbank's move to slash discount and Lombard rates, economists believe. "The outlook for British interest ratesis for no change," Paul Turnbull, chiefeconomist at Smith New Court said. Mr Turnbull said rates would not be cutafter yesterday's BoE inflation report,which indicated several dangers ahead. ``````````````````````````````````2/2``Financial headlines500 City index501
TAX, SAVINGS, MORTGAGES - SEE p540 Next CompNews Shares Family Finance P508 Teletext 508May1121:18:54?/bs`u`p`0 `pp0ppp`p p`pp0<,,,|||4 5 j"7jj5 jk57jj5js15h7-7hr5 upj 5jz5 jj5wsjzu`p55k7!4h~5 ###"# #!bs{5 "#"!###"####"##!5zux%*'5 `````````````````````````````usss|||5 UK "SPEARHEADS EURO RECOVERY" The UK is set to remain in the forefront of Europe's drive for economic recovery, figures from the Brussels-based European Commission show Of all the EU states the UK can expect the sharpest fall in public borrowing next year, the lowest unemployment rateand a fall in average inflation. High rates of growth are also expected in Ireland and Denmark. ```````````````````````````````````````Financial headlines500City index501
TAX, SAVINGS, MORTGAGES - SEE p540 Next CompNews Shares Family Finance P509 Teletext 509May1121:19:13?/bs`u`p`0 pzbs`pp0pp`p`0 <,,,|||45 j"7jj5 kjbs57jj5 5h7-7hr5upj 5jz5 zjju55jz5 5k7!4h~5###"# #!bs{5 ###"#"##!#!bs{5 5zux%*'5`````````````` WED 11th`````usss|||5 07.30ConglomerateJ Bibby & Sons,pubs chainGreenalls GroupandRoyal Bank of Scotlandannounce interim results. Supermarket chainJ Sainsbury, electricity generatorScottish Powerand packaging giantSmurfit Groupannounce full-year results. 09.30Factory outputfor March. ``````````````````````````````````1/4``Financial headlines500 City index501
REPORTS FROM MARKETS WORLDWIDE p530 Shares CompResults CityIndex Family P509 Teletext 509May1121:19:30?/bs`u`p`0 pzbs`pp0pp`p`0 <,,,|||45 j"7jj5 kjbs57jj5 5h7-7hr5upj 5jz5 zjju55jz5 5k7!4h~5###"# #!bs{5 ###"#"##!#!bs{5 5zux%*'5`````````````` THU 12th`````usss|||5 07.30Food and drinks giantGrandMet announce interim results. Royal Insurance Holdingsannounce quarterly results. Fashion retailerFrench Connectionannounce finals. ``````````````````````````````````2/4``Financial headlines500 City index501
REPORTS FROM MARKETS WORLDWIDE p530 Shares CompResults CityIndex Family P509 Teletext 509May1121:19:49?/bs`u`p`0 pzbs`pp0pp`p`0 <,,,|||45 j"7jj5 kjbs57jj5 5h7-7hr5upj 5jz5 zjju55jz5 5k7!4h~5###"# #!bs{5 ###"#"##!#!bs{5 5zux%*'5`````````````` FRI 13th`````usss|||5 07.30Newspaper publishing group Telegraphand foods to detergents giantUnileverboth announce first quarter results. ``````````````````````````````````3/4``Financial headlines500 City index501
REPORTS FROM MARKETS WORLDWIDE p530 Shares CompResults CityIndex Family P510 Teletext 510May1121:20:27?5 (, <,,,|||4}5?jj/%?j/% 5h7-7hr55 5jjp0wsbs5 5k7!4h~5#! #!"#"##!###"##! 5zux%*'5``````````````INDEX`````````usss|||5
511Shares A-E 513Shares M-R
512Shares F-L 514Shares S-Z
515Share movers 516Popular shares
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519Pound versus world currencies ```````````````````````````````````````Financial headlines500City news 501Company news index 520FTSE 517 Family finance540 AITO-HOLIDAYS WITH A DIFFERENCE FOR MORE INFORMATION SEE p222ITV SharesA-ESharesF-LSharesM-RSharesS-Z P512 Teletext 512May1121:20:45?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````Hardy O 162 +2 HTV 133 H&Crosf 180 -7 IAF Gp 34 Harr Kilb141 Ibstock 72 -9 Hartstne 52 -1 Iceland 157 +1 Hawtin 23 ICI 821 -5 Helene 28\ IMI 357 Helical 369 +1 Indep Ins255 Henlys 296 Intercare109 -9 Heywood 381 -17 JLI Grp 107 Hicking P240 Kenwood 358 -1 Hillsdwn 179 Kingfish 572 -17 Honeysck 70 -1 KleinBen 468 -8 HSBC $ 747 +7 Kwik-Fit 174\ UPDATED AT 0830093011001300150016301815 ``````````````````````````````````2/4``Popular shares516 Company news520
YorkSHARE: Deal for #9 see p430 SharesM-R SharesS-Z SharesA-E FTSE P512 Teletext 512May1121:21:03?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````Kwik Sve 570 Lloyds 584 -4 Ladbroke 187 +1 LloydsCh 327 -3 Laing 323 -11 Logica 300 Laird 415 Lon Elec 553 Land Sec 662 +5\ Lonrho 137\ Laporte 785 -3 Lookers 247 LASMO 154 +2\ Low &Bon 434 Laura Ash86 LWT Hldg 725 Legal &G 452 -4 Leigh In 235 -1 Lex 520 -2 Life Sci 128 L Abbey 373 +3 UPDATED AT 0830093011001300150016301815 ``````````````````````````````````3/4``Popular shares516 Company news520 FLIGHT ARRIVAL & DEPARTURE INFORMATION SEE PAGE 435 SharesM-R SharesS-Z SharesA-E FTSE P512 Teletext 512May1121:21:21 ADVERTISEMENT >>>PRESS HOLD 4/4
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SWITCH TO CITY DEAL SERVICE NOW TELEPHONE AND POSTAL SHARE DEALING 7 DAYS A WEEK FOR A COMMISSION OF ONLY |,h<| SAVE ###S ($*-SAVE ###S (/,*-/ plus #1 per #1000 of transaction value |l4,l4|l4|l4 (,|(,|h<|h<|h<|(,| j5 ~!j5n5 h7 (wj=j=j= h7 /.% / /.%/.% *%(,/*-/*-/*-/ *% 24 HOUR INFORMATION LINE City Deal Services Ltd is a member of The London Stock Exchange and The Securities and Futures Authority SharesM-R SharesS-Z SharesA-E FTSE P512 Teletext 512May1121:21:39?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````Ferg Ind 410 GKN 611 -1 Field Gp 252 Glaxo 564\-7 First Ls 325\-5\ Glynwed 380 +7 FirstNat 77 -1 Goal Pet 74\ Fisons 145 -1 Gramp TV 268 FKI plc 200 -1 Granada 545 -5 For&Col 141 +{ Grand Mt 483 -8 Forte 231 -1 Gdn Royl 182 -1\ FR Group 310 +1 Greenall 462 -13 GEC 304 -1\ Guinness 493 +4 Geest 238 GUS 606 +3 Gen Acc 558 -5 Hambros 343 -3 Gieves 60 Hanson 265\-2\ UPDATED AT 0830093011001300150016301815 ``````````````````````````````````1/4``Popular shares516 Company news520
SHARE DEALING SERVICE-SEE PAGE 535 CALL NEIL JOHNSON ON 071 386 5000 SharesM-R SharesS-Z SharesA-E FTSE P513 Teletext 513May1121:21:58?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````McAlpine 261 -7 MerseyDk 440 -1 MacallG 143 MicroV 34 -1\ Macfarln 232 +1 Midlands 578 +6 MAI 271 Mirror 164 -1 Marley 154 -5 Monu Oil 68} +{ Marston 282 +4 Morg Cr 365 M & G Gp 906 +2 Morrison 125 +3 M & S 428 +3\ Mowlem 106 McKechne 474 -13 MTM plc 74 +1 Medeva 146 -1 NatPower 416 +7\ Meggitt 107 NatWest 466 +3\ Menzies 634 -1 Newman T 166 -2 MEPC 468 +7 NFC 215 -5 UPDATED AT 0830093011001300150016301815 ``````````````````````````````````1/4``Cost of listings met by those shown
YorkSHARE: Deal for #9 see p430 P SharesS-Z SharesA-E SharesF-L FTSE P513 Teletext 513May1121:22:35?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````Pru Corp 309 +1\ Renishaw 299 -1 Quadramtc185 Rentokil 224 -4 QS Holdg 220 Reuters 499\+14 Racal 233 -4 R-Royce 192\-2\ Raglan 42 -\ Rothmans 395 +4 Raine 84 -1 Royal Bk 428 -12 RCO Hldg 395 Royal In 258 -10 Readicut 98\ -\ RTZ 849 +12 Reckitt 676 -6 Rugby 135 -7 Redland 504 -3 Reed Int 846 -6 Refuge 311 +2 Regalian 30 -1\ UPDATED AT 0830093011001300150016301815 ``````````````````````````````````3/4``Popular shares516 Company news520 GET YOUR COMPANY LISTED ON THIS PAGE CALL NEIL JOHNSON ON 071 386 5000 SharesS-Z SharesA-E SharesF-L FTSE P513 Teletext 513May1121:22:53 ADVERTISEMENT 4/4
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LOW COST SELF SELECT PEPS FIXED #20 ANNUAL CHARGE FOR PRICES & FREE ADVICE (SUBJECT TO CAL) RING 081 295 1515 SharesS-Z SharesA-E SharesF-L FTSE P514 Teletext 514May1121:23:12?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````Walk Gbnk103 WilsonB 456 -5 Warburg 729 -12 Wimpey G 179 -8 Ward Hld 72 Wolseley 818 -18 W & P 376 +3 Wolv & D 550 -3 Wellcome 578 -5 WPP 116 Welsh 601 +6 Yorks TV 316 -1 Wessex 599 +4 Yorkshre 481 +4 Wew Gp 42 Zeneca 708 +6\ Whitbred 570 +1 Wise L 72 -2 Williams 368 +2 WillisCn 236 -1 Wilshaw 45 UPDATED AT 0830093011001300150016301815 ``````````````````````````````````4/5``Popular shares516 Company news520 FLIGHT ARRIVAL & DEPARTURE INFORMATION SEE PAGE 435 MoversSharesA-ESharesF-LSharesM-R P514 Teletext 514May1121:23:30 ADVERTISEMENT ... 5/5 Traded Endowment Policy Specialist <l0 h( <l04 uxe<tjj`<h0h ux%54 48, 5 *t>jj*t m' 5 5kz!s; ('
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FOR FULL DETAILS CALL: 0225 466466 (THIS IS A 24 HOUR SERVICE) Member of F.I.M.B.R.A. MoversSharesA-ESharesF-LSharesM-R P514 Teletext 514May1121:23:49?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````S West 501 +4 Seton HC 291 Sainsbry 389 -2\ Severn T 482 +1 Salvesen 255 Sharelink294 -2 Saville G66 Shell 741 -1 Sanderson320 Siebe 580 -5 Scapa 246 Simon En 127\-\ Scot & N 553 +12 SKlineB 410 +2\ Scot Hyd 357 +13 Smith &N 148 -{ Scot Pwr 378 +11 Smith,WH 510 +3\ Scot TV 434 -3 SmithNCrt365 +2 Sears 128 +1\ SmithsIn 504 +5 Seeboard 309 -1 Southern 574 +11 Senior 141 -\ SpringRam63 -2 UPDATED AT 0830093011001300150016301815 ``````````````````````````````````1/5``Popular shares516 Company news520
SHARE DEALING SERVICE-SEE PAGE 535 SEE PAGE 432 MoversSharesA-ESharesF-LSharesM-R P514 Teletext 514May1121:24:07?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````Stagecoac191 Sycamore 3} Stakis 88\ Tadpole 279 -1 Stanley 315 +9 Tams (J) 87 Staveley 211 Tarmac 160\-2 Std Chtd 259\+21 Tate & L 437 -1 Stirling 57 Taunton 157 -1 Storehse 214 Taylor W 147 -4 Sturge 62 -1 Telegrph 610 -3 Sun All 333 -4 Telemetrx98 SurreyGp 2{ Tesco 235\+7 Suter 205 +1 ThamesWtr466 +3 SWALEC 627 +3 ThornEMI 1146-3 SWEB 570 +7 Time Prd 243 +3 UPDATED AT 0830093011001300150016301815 ``````````````````````````````````2/5``Popular shares516 Company news520
YorkSHARE: Deal for #9 see p430 JOHNSON ON 071 386 5000 FOR DETAILS MoversSharesA-ESharesF-LSharesM-R P514 Teletext 514May1121:24:25?/%up`pp0pp`pp0ppp 57bs57j{5ws 18.15 ||55j}55j|4|~ ```````````````````````````````````````Tomkins 244 +5 Unit Grp 35 +3\ Tottenham93 Unitech 323 +1 TravisP 295 -10 Utd Bisc 352 -4 Tring Int135 Utd News 648 -5 Triplex L150 +2 Vardon 139 TSB 219 -\ VardyReg 205 T & N 240 -3 Vaux 278 TT Group 383 Vickers 196 +3 UK Safety63 Vodafone 530 -5\ UlsterTV 614 -2 VSEL 1000-1 Unichem 287 +2 Wace 234 Unigate 406 -3 Wadd'ton 246 Unilever 1074-2 Wainhomes149 -5 UPDATED AT 0830093011001300150016301815 ``````````````````````````````````3/5``Popular shares516 Company news520 CALL NEIL JOHNSON ON 071-386 5000 TO GET YOUR SHARE PRICE QUOTED MoversSharesA-ESharesF-LSharesM-R P517 Teletext 517May1121:24:43?o5ppp`p05p`pp0z0 <,,,|||45j5s{j!?wj{5k! 5h7-7hr55j5~j 5j|4j 5k7!4h~5 5zux%*'5`````````````REPORT`````````usss|||5CLOSEThe FTSE 100 closes slightly downas no clear lead emerges from a Wall Street still awaiting a Fed move on interest rates. The Bundesbank's decision to cut Germanrates helps gilts, but there is little hope of a UK rate cut soon. Building materials shares dip on rate gloom. Volume at 17.00 744.2m Account ends May 13, pays May 23 ```````````````````````````````````````Financial headlines500City index501
SHARE DEALING SERVICE SEE PAGE 432
SEE PAGE 535 ForexMoversInternationalFTSEIndex P518 Teletext 518May1121:25:02?/`pp0pp`pp0p0p0 <,,,|||4?%jk57j{5o}% 5h7-7hr55 j~55j|475 5k7!4h~5 5zux%*'5``````````````REPORT````````usss|||5CLOSE Index 79.6 (unch) Tue close 79.6 # = $1.4915 (+0.19ct) # = 1.4896 # = Dm 2.4915(-0.05pf) # = 2.4920 The pound edges back against the D-markdespite the expected cut in German interest rates. It gains ground on the dollar as the market awaits news on a US rate rise. ```````````````````````````````````````Prices index510 Pound519
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Telephone: 071-629 1133 8am-8pm Fax: 071-495 0022 Futures & options trading is a high- risk area of investment. It is poss- ible to lose more money than your original deposit. CompIndex Forex Int'l CityIndex P519 Teletext 519May1121:26:16/?%up`pp0 ppp`pp0p0p`pp0pz <,,,|||4 5 7j{5 7jk55jk5k 5h7-7hr5 5 5j|4 }j~5}jj5~ 5k7!4h~5 /% 5zux%*'5`````````````at CLOSE```````usss|||5# TueCls WedLst $ TueCls WedLst $ 1.48961.4915 # 0.67140.6705 Ecu 1.29241.2930 Ecu 0.86650.8669 DM 2.49002.4889 DM 1.67301.6700 FFr 8.53508.5430 FFr 5.71955.7410 Yen 155.24155.66 Yen 104.15104.35 SFr 2.13242.1281 SFr 1.43051.4275 BFr 51.28551.285 BFr 34.35034.400 DFl 2.79622.7960 DFl 1.87571.8757 Lir 2381.92384.7 Lir 1599.11600.6 Pta 204.58205.68 Pta 137.45138.10 DATA: MIDLAND BANK ``````````````````````````````````1/4`` Prices index510 Forex report518
REPORTS FROM THE WORLD MARKETS p530 EVERY60 SECONDSSEE PAGE 537 CompIndex Forex Int'l CityIndex P520 Teletext 520May1121:26:34?/`pp0pppp0ppp`pp`pp0p0p <,,,|||4 5 jk57k57bsjk55 5h7-7hr5 upjz55j5ujujj5u 5k7!4h~5 ###"##!#!#"!7#"##"#"!ss 5zux%*'5 ``````````````INDEX```````usss|||5`
521Results A-L 522Results M-Z 522 Results M-Z 523Write-down costs check Sainsbury's 524Greenalls sees good progress ahead 525VAT rush sparks ScottishPower jump 526CU enjoys four-fold earnings surge 527Casinos group gambles on flotation 528Q1 income slips at oil giant Shell
529Press review ```````````````````````````````````````Financial headlines500 FTSE 517City news index 501 Forex 518Prices index 510 Pound 519
COMMS/PC APPOINTMENTS SEE p641 ResultsA-LResultsM-ZCityDiaryPress P521 Teletext 521May1121:26:53?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 BIBBY, J & SONS (Industrial, paper, science products) Results for 26 weeks ended March 26 Total sales #409.121m (#415.951m) Pre-tax loss #12.366m (4.794m pft) LPS 10.79p (1.43p EPS) ``````````````````````````````````5/5``Financial headlines500City index501
CHECK YOUR SHARE PRICES p510 ResultsM-Z Shares CityIndex Family P521 Teletext 521May1121:27:11?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 AVON RUBBER (Motor components manufacturer) Results for half year to April 2 Turnover #137.218m(#133.420m) Pre-tax profit #4.887m (#5.009m) EPS 10.6p (15.1p) Interim dividend5.0p (5.0p) ``````````````````````````````````1/5``Financial headlines500 City index501
FAMILY FINANCE: GET THE FACTS p540 ResultsM-Z Shares CityIndex Family P521 Teletext 521May1121:27:29?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 GREENALLS GROUP (Brewers) Results for six months to March 25 Turnover #337.312m (#279.537m) Pre-tax profit#28.993m (#25.569m) EPS basic 10.43p (11.31p) fully diluted 10.51p (11.02p) Net dividend 5.33p (5.08p) ``````````````````````````````````2/5`` Greenalls confident on progress524
CHECK YOUR SHARE PRICES p510 ResultsM-Z Shares CityIndex Family P521 Teletext 521May1121:27:47?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 COMMERCIAL UNION (Insurer) First quarter to March 31 Total premium #1.617bn(#1.609bn) income Life pre-tax #32m (#30m) Operating profit #64m (#16m) before tax EPS ` op result after tax7.2p (0.9p) profit attributable9.2p (6.3p) ``````````````````````````````````3/5`` CU enjoys four-fold jump526
CHECK YOUR SHARE PRICES p510 ResultsM-Z Shares CityIndex Family P521 Teletext 521May1121:28:06?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 CHIROSCIENCE GROUP (Pharmaceuticals) Results for year to February 28 Turnover #1.952m(#1.604m) Pre-tax loss #4.268m(#1.245m loss) LPS 11.9p (6.0p loss) ``````````````````````````````````4/5``Financial headlines500City index501
CHECK YOUR SHARE PRICES p510 ResultsM-Z Shares CityIndex Family P522 Teletext 522May1121:28:25?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 ROYAL DUTCH SHELL 1st quarter results Sales proceeds #20.178bn(#20.819bn) Net income #937m (#945m) EPS 3.19p (3.05p) ``````````````````````````````````4/4`` Shell Q1 income slips528
CHECK YOUR SHARE PRICES p510 CompNewsResultsA-LCityIndexFamily P522 Teletext 522May1121:28:43?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 SCOTTISHPOWER (Electricity) Results for year ended March 31 Turnover #1.569bn(#1.496bn) Pre-tax profit #351.1m (#297.1m) EPS 31.6p (26.9p) Final dividend 8.27p (7.43p) Total dividend 12.40p (11.15p) ``````````````````````````````````1/4`` VAT rush sparks ScottishPower525
CHECK YOUR SHARE PRICES p510 CompNewsResultsA-LCityIndexFamily P522 Teletext 522May1121:29:01?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 ROYAL BANK OF SCOTLAND (Financial services) Results for half year to March 31 Pre-tax profit #201m (#89m) Debt provisions #111m (#182m) EPS 15.3p (4.2p) Dividend 4.0p (3.0p) ``````````````````````````````````2/4`` Royal Bank profits soar ahead502
CHECK YOUR SHARE PRICES p510 CompNewsResultsA-LCityIndexFamily P522 Teletext 522May1121:29:19?`pp0ppp`p`05z0ppp <,,,|||4=wjk5wsjj55k!ws 5h7-7hr55js1pzjz55j pz 5k7!4h~5#!#"##!###"##!#!"# ### 5zux%*'5``````````````````````````````usss|||5 SAINSBURY, J (Supermarkets) Results for the year to March 12 Pre-tax profit #368.8m (#732.8m) Write-down #341.5m EPS diluted 8.6p (27.9p) Final dividend 7.6p Total dividend 10.6p (10.0p) ``````````````````````````````````3/4`` Write-down checks Sainsbury's523
CHECK YOUR SHARE PRICES p510 CompNewsResultsA-LCityIndexFamily P523 Teletext 523May1121:29:39?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5WRITE-DOWNS CHECK SAINSBURY'S New store openings helped Sainsbury power ahead although one-off property write-downs slashed profits in half. Reorganisation costs of #28m and property write-downs of #341.5m meant that taxable profits for the year to March 12 were cut to #369m from #733m. Chairman David Sainsbury said the write-downs were inevitable "given the high prices" in the late 80s and early 90s. ``````````````````````````````````2/2`` Sainsbury results in full522
POPULAR SHARES: LATEST PRICES p516 Next Shares CityIndex FamilyFinance P523 Teletext 523May1121:29:56?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5SAINSBURY DEFIES PRICE-CUTTERS Supermarket giant Sainsbury has thumbedits nose at the threat from cut-price stores as it shrugged off the price war Chairman David Sainsbury said the discounters such as Aldi, Kwik Save andNetto had "very little direct impact". The UK's top supermarket group boosted market share by 0.1% to a record 11.4% and says its prices are now an average 3% lower than rivals. ``````````````````````````````````1/2`` Sainsbury results in full522
POPULAR SHARES: LATEST PRICES p516 Next Shares CityIndex FamilyFinance P524 Teletext 524May1121:30:15?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5GREENALLS CONFIDENT OF PROGRESS Pub and leisure company Greenalls said recent restructuring has left it well placed for progress in the rest of 1994 "I remain confident...that trading in the second half will result in another year of good progress," chairman AndrewThomas said. Greenalls has reported a 13.4% rise in first half pre-tax profits, after exceptional charges, to #28.99m. ``````````````````````````````````1/2`` Greenalls results in full521
POPULAR SHARES: LATEST PRICES p516 NextCityIndexSharesFamily Finance P524 Teletext 524May1121:30:33?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5BOOTLEGGING "UP IN THE NORTH" Bootlegging is increasing in towns and cities in northern England, pubs and hotels chain Greenalls has claimed. Managing director Peter Greenall said the "booze cruise" to and from France mainly affected pubs and off-licence trade in southern England, But Mr Greenall added bootlegging was becoming an increasing problem in northern cities. ``````````````````````````````````2/2`` Greenalls results in full521
POPULAR SHARES: LATEST PRICES p516 NextCityIndexSharesFamily Finance P525 Teletext 525May1121:30:52?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5VAT RUSH SPARKS SCOTTISHPOWER The scramble to pay electricity bills in advance to beat the imposition of VAT helped ScottishPower almost wipe out its debts. Customers poured #36m into the group's coffers in early payments and it ended the year on March 31 with net debts of just #3.7m, down from #97.6m. Pre-tax profits jumped 18.2% to #351.1mfrom #297.1m in the previous 12 months.``````````````````````````````````````` ScottishPower results in full522
POPULAR SHARES: LATEST PRICES p516 NextCityIndexSharesFamily Finance P527 Teletext 527May1121:31:11?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5CASINOS GROUP GAMBLES ON MARKET Gamblers will be able to switch from the roulette table to the stock market when London Clubs International floats. London's biggest casinos group is to join the Unlisted Securities Market in June with a sale of shares to institutions and the public. It plans to raise #30m with #27.5m usedto pay off debts of the group, which also operates casinos on board liners. ```````````````````````````````````````Financial headlines500 City index501
POPULAR SHARES: LATEST PRICES p516 NextCityIndexSharesFamily Finance P528 Teletext 528May1121:31:29?/`pp0pppp0ppp`pp0ppp`p`0 <,,,|||45 jk57k57bs57jj5 5h7-7hr5upjz55j5uju55jz5 5k7!4h~5###"##!#!#"!7#"##!#!#bs{5 5zux%*'5````````````````NEWS````````usss|||5OIL PRICE LEAVES SHELL STATIC Oil giant Shell has reported virtually unchanged net income for the first three months of the year. In made #937m in the first quarter, marginally down from the #945m earned in the comparable period last year. Shell had to cope with an average pricefor crude oil at its lowest for any quarter in the last five years, which hit exploration and production earnings```````````````````````````````````````Financial headlines500 City index501
POPULAR SHARES: LATEST PRICES p516 PressFileCompIndexSharesFamilyFinanc P529 Teletext 529May1121:31:48?`p0ppp`pp0ppp ~?bsj`pp0 <,,,|||4}j!7js1ws *?jjjk5 5h7-7hr55 j ws`p5pz 5jjjs1 5k7!4h~5#! "# ###"##!### #!"#"#"##! 5zux%*'5``````````````WEDNESDAY`````usss|||5 GUARDIANOutlook for inflation has deteriorated over the last few months and Bank of England indicated interest rates could go up. TIMESLiquidators of Bank of Credit andCommerce International warned creditorsnew compensation deals could be worth less than earlier deal thanks to delays MAILVaux group chairman urging Chancellor to cut beer duty before cheap imports from France cause untold damage to brewing industry. ``````````````````````````````````2/3`` Prices index510 Companies index520
POPULAR SHARES - LATEST PRICES p516 International CityNews Shares FTSE P530 Teletext 530May1121:32:255ppp`u`pp0pp`pp0ppp`ubs`pp0ppp0pppj57"7jk57jk5s{"7jjk575s{j55 5js15jj5z 5jjz555zj#!#!# #!"##!#!"#"!### #!"#"##!#!#!###"#````````````MARKET INDEX`````````````
531Wall Street 517London
532Far East:Hong Kong/Singapore
Tokyo/Sydney
533Europe: Eurotrack 100/Paris
Frankfurt/Zurich/Dublin ```````````````````````````````````````Financial headlines500 Prices 510City news index 501 Forex 518Company news index 520 Pound 519
COMMS/PC APPOINTMENTS SEE p641 Wall St Far East Europe FTSE P531 Teletext 531May1121:32:435|j5pppjj ?/`u`p0ppp`pp0z0 5j5s{jj }|"7j!7jk5k! uz5zjj pp 5j wsjs1j ####!###"#"# ### #!"# ###"##!"# ``````````````REPORT````````````````` DOW JONES INDUSTRIAL INDEX at 17.103,648.38-8.03 Anticipation of a Fed interest rate tightening and key inflation data due this week kept Wall Street stocks lowerat midday. Analysts said investors were also intimidated by strength in precious metals. Declines led advancing issues by 11 to eight. ``````````````````````````````````````` International index530 Europe533
FAR EAST MARKET REPORTS p532 Far East Europe FTSE Shares P532 Teletext 532May1121:33:02?/ppp`p0 ?/`pp0ppp`u ?%s{j! }4bs5ws"7 5 zj upju5pz 5 Wednesday#! ###"# ###"##!### #! ```````````````REPORT````````````````HONG KONG HANG SENG at CLOSE8,906.16+366.07 SINGAPORE STRAITS TIMES INDUSTRIAL at CLOSE2,261.22+26.52 SYDNEY ALL ORDINARIES INDEX at CLOSE2,034.6+26.4 ``````````````````````````````````2/2`` International index530Wall St531
EUROPEAN MARKET REPORTS p533 Europe Wall St FTSE Family Finance P532 Teletext 532May1121:33:19?/ppp`p0 ?/`pp0ppp`u ?%s{j! }4bs5ws"7 5 zj upju5pz 5 Wednesday#! ###"# ###"##!### #! ```````````````REPORT````````````````TOKYO NIKKEI at CLOSE20,150.13+232.35 Stocks ended higher on active buying byoverseas investors of export-oriented high-tech firms, brokers said. A recent rebound in the dollar against the yen helped shares such as NEC Corp and Hitachi. ``````````````````````````````````1/2`` International index530Wall St531
EUROPEAN MARKET REPORTS p533 Europe Wall St FTSE Family Finance P533 Teletext 533May1121:33:39?/`p`0pp`ppp`pp0ppp }|jj57jkjk57 upjz55jzjz5ws Wednesday ###"##!#!"###j#!### ```````````````REPORT````````````````FRANKFURT DAX 30 at CLOSE2,243.63+8.48 German shares jump on news that the Bundesbank has cut its key discount andLombard rates. The half point reduction is larger thanthe quarter point move which had been expected by some players. The discount rate falls to 4.5% and theLombard rate to 6%, both reductions are effective from Friday. ``````````````````````````````````1/2`` International index530Wall St531
LONDON STOCK MARKET REPORT p517 Family Finance Wall St FarEast FTSE P533 Teletext 533May1121:33:57?/`p`0pp`ppp`pp0ppp }|jj57jkjk57 upjz55jzjz5ws Wednesday ###"##!#!"###j#!### ```````````````REPORT````````````````PARIS CAC-40 INDEX at CLOSE2,176.74+11.76 ZURICH SMI INDEX at CLOSE2,634.4+5.4 DUBLIN ISEQ INDEX at CLOSE1,802.15-0.63 EUROTRACK 100 at CLOSE1,454.41-0.98 ``````````````````````````````````2/2`` International index530Wall St531
LONDON STOCK MARKET REPORT p517 Family Finance Wall St FarEast FTSE P535 Teletext 535May1121:34:16 PRESS HOLD
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FREEPHONE 0800 378836 OR WRITE TO ADDRESS ON FOLLOWING PAGE Pg540 Pg541 Pg542 Pg543 P539 Teletext 539May1121:36:24 44<4<4hh <$444<4h, h,$44<$<4hlh,h,hh -555=mj.4-4=55=mj$ j(455= =mjj*lj$*n ,%-%%** %,%%%%%**, *,%-%-$%***(.*,(. /////////////////////////////////////// PO BOX 304,CANADA COURT,UPLAND RD, ST PETER PORT,GUERNSEY The above address is the registered office and principal place of business of Yorkshire Guernsey, and is registered under the Protection of Depositors (Bailiwick of Guernsey) Ordinance 1971 as amended. The paid-up share capital and reserves of Yorkshire Guernsey Limited exceed #15 million. Interest rates correct at 14 January 1994. Copies of the most recent audited accounts of Yorkshire Guernsey are available on demand 2/3 from the above address. Deposits may only be made in sterling. Pg540 Pg541 Pg542 Pg543 P539 Teletext 539May1121:36:43 44<4<4hh <$444<4h, h,$44<$<4hlh,h,hh -555=mj.4-4=55=mj$ j(455= =mjj*lj$*n ,%-%%** %,%%%%%**, *,%-%-$%***(.*,(. ///////////////////////////////////////DEPOSITS MADE WITH OFFICES OF YORKSHIREGUERNSEY LIMITED IN GUERNSEY ARE NOT COVERED BY THE DEPOSIT PROTECTION SCHEME UNDER THE U.K. BANKING ACT 1987. UNDER THE BUILDING SOCIETIES ACT 1986, YORKSHIRE BUILDING SOCIETY IS OBLIGED TO MEET ANY LIABILITIES OF YORKSHIRE GUERNSEY LIMITED WHICH THAT COMPANY IS UNABLE TO MEET OUT OF ITS OWN ASSETS. INTEREST IS PAID ANNUALLY AND CALCULATED ON A DAILY BASIS COMMENCING THREE WORKING DAYS FROM THE DAY OF RECEIPT AND UP TO,BUT NOT INCLUDIN3/3 THE DAY OF WITHDRAWAL. Pg540 Pg541 Pg542 Pg543 P540 Teletext 540May1121:37:01 /epp`ppp0sj5p`0 h?%s`pp`pp`pp`pp`pp /bsj7k5j5j5 o? j7bsj7j7#jw j}j5j5j5~5 j5 j5j}j5j}|j}| ``````````````,.%```````````````````` ppppp`~ Money News......541 j?### Your Money......542 ////pzup Advice Clinic...543x||||0 Property Plus...544~4j5p Mortgages.......545h,l||,lpzuppp Savings.........546jpzpz?///// Tourist Rates...547j/o/o/o`x'#k##m Tax.............548jpz jpz's+s?c3oPremium Bonds...549*// *//#"/!##!+' h,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,4j542Your Money:The first part of 5jour look at investing in stocks and5jshares. Everything you need to know5*,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,%``````````````````````````````````````` City News501 FT-SE/Headlines500
NO SECURITY NEEDED #1,000- TENANTS, HOMEOWNERS #10,000 AND HM FORCES SPECIAL UNSECURED LOANS FOR HOMEOWNERS NO FEES
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E X P R E S S L O A N S px|||||p0 jgcsssco 7j{57b{5 WRITTEN $ jnnnj5 -/(.%-/*,$ QUOTATIONS a j{{{j5 s"{%wsjs1 ON "/,,,,.% -, / -/(.%/ REQUEST 8.30AM-9PM 7 DAYS A WEEK ALL YEAR PERSONAL SERVICE Your MoneyAdvicePropertyMortgages P541 Teletext 541May1121:37:38 ?o5ppp`pp0ppp`p`0 <,,,|||4 5j57jk5wjj5 5h7!7h~5 5j5}jj5}|j~5 5k7`4h75 (,.% usss|||5 `````````````NEWS UPDATE````````````` HOUSE PRICES AND JOBS UNDERPIN SPENDING Consumer spending is unlikely to show a marked slowdown even though incomes are being hit by tax rises, according to Barclays' chief economist Alan Davies. He forecasts a "substantial upturn" in the housing market with prices rising by 10% this year. Lower unemployment isalso expected to underpin spending. Tax increases are outweighed by cuts from lower interest rates. cont...``````````````````````````````````1/7`` No housing boom in future>>> FLIGHT ARRIVAL & DEPARTURE INFORMATION SEE PAGE 435 Your MoneyAdvicePropertyMortgages P541 Teletext 541May1121:37:56 ?o5ppp`pp0ppp`p`0 <,,,|||4 5j57jk5wjj5 5h7!7h~5 5j5}jj5}|j~5 5k7`4h75 (,.% usss|||5 `````````````NEWS UPDATE````````````` NO HOUSING BOOM DESPITE PRICE RISE DespiteBarclays' chief economist forecasting house price increases of 10%, no housing boom is expected. Alan Davies says the rise is more a "correction" to prices which had fallento levels too low to balance the demand and supply pressures. Interest rates are expected to remain low along with inflation for the rest of the decade. ``````````````````````````````````2/7`` Direct Line targets house insurance> PROTECT YOUR HOME AND POSSESSIONS SEE PAGE 432 Your MoneyAdvicePropertyMortgages P541 Teletext 541May1121:38:17 ?o5ppp`pp0ppp`p`0 <,,,|||4 5j57jk5wjj5 5h7!7h~5 5j5}jj5}|j~5 5k7`4h75 (,.% usss|||5 `````````````NEWS UPDATE````````````` DIRECT LINE TARGETS HOUSE INSURANCE Direct Line is to start competing for the household insurance business. The move follows comments by Direct Line's Peter Wood that the market is largely a "rip off" with 50% of premiums going to intermediaries. Wood has been lobbying against the tying in of insurance with mortgage agreements and Halifax has already abandoned the practise. ``````````````````````````````````3/7`` Do-It-All stores expect change>
SHARE DEALING SERVICE-SEE PAGE 535 INFORMATION SEE PAGE 435 Your MoneyAdvicePropertyMortgages P541 Teletext 541May1121:38:35 ?o5ppp`pp0ppp`p`0 <,,,|||4 5j57jk5wjj5 5h7!7h~5 5j5}jj5}|j~5 5k7`4h75 (,.% usss|||5 `````````````NEWS UPDATE````````````` DO-IT-ALL STORES SET FOR CHANGE Do-It-All, the chain of DIY stores owned by WHSmith and Boots faces change later this week. The city expects the companies to sell or close up to half of the loss-making stores. The remaining stores are expected to beconverted into a new format called the New Trading Concept. Asda has been cited as a potential buyer. ``````````````````````````````````4/7`` Investors turn to risky investments>> FLIGHT ARRIVAL & DEPARTURE INFORMATION SEE PAGE 435 Your MoneyAdvicePropertyMortgages P541 Teletext 541May1121:38:54 ?o5ppp`pp0ppp`p`0 <,,,|||4 5j57jk5wjj5 5h7!7h~5 5j5}jj5}|j~5 5k7`4h75 (,.% usss|||5 `````````````NEWS UPDATE````````````` INVESTORS TURNING TO RISKY INVESTMENTS People have become far more financially sophisticated over the last 20 years and are more likely to risk a gamble on the stock exchange, says a new survey. The Mintel Lifestyles report traces consumer habits since 1974. There has been a trend away from safe but often low return investments in banks and building societies, to more risky areas like stocks and shares. ``````````````````````````````````5/7`` New mortgages from Skipton>> FLIGHT ARRIVAL & DEPARTURE INFORMATION SEE PAGE 435 Your MoneyAdvicePropertyMortgages P541 Teletext 541May1121:39:13 ?o5ppp`pp0ppp`p`0 <,,,|||4 5j57jk5wjj5 5h7!7h~5 5j5}jj5}|j~5 5k7`4h75 (,.% usss|||5 `````````````NEWS UPDATE````````````` NEW MORTGAGES FROM THE SKIPTON Skipton Building Society has launched a new range of six mortgages including some with discounts of up to 4% for 12 months or more. All allow for borrowers having a minimum 5% deposit with rates ranging from 3.75% to 7.75% for the cashback mortgage. There is also a five-year fixed rate of 8.75%. A #250 fee may be payable. ``````````````````````````````````6/7`` Money news updates again tommorrow. FLIGHT ARRIVAL & DEPARTURE INFORMATION SEE PAGE 435 Your MoneyAdvicePropertyMortgages P542 Teletext 542May1121:39:30 ADVERTISEMENT ... 9/9 Traded Endowment Policy Specialist <l0 h( <l04 uxe<tjj`<h0h ux%54 48, 5 *t>jj*t m' 5 5kz!s; ('
Thinking of surrendering your
With-Profits Endowment Policy? TRY US FIRST IF YOUR POLICY: HAS RUN FOR AT LEAST 25% OF ITS TERM IS FROM AN ESTABLISHED LIFE OFFICE HAS A MINIMUM SURRENDER VALUE #1,500 IF ITS "YES" THEN WE WANT TO SEE IT POLICYPLUS CAN SOMETIMES OFFER UP TO 35% MORE THAN SURRENDER VALUE
FOR FULL DETAILS CALL: 0225 466466 (THIS IS A 24 HOUR SERVICE) Member of F.I.M.B.R.A. Advice Savings Property plus Index P542 Teletext 542May1121:39:49 j5pp0p`0p0 pppp`pp`pp`pp`0p h} `|0 ~5k5j5! k7j7j7jwj5 "' "/! |~5~5~5 j5j}j5j}|j}~}x4>|m (,//*/*%%/*```STOCKS AND SHARES````````````````` <?5??4 Anyone can deal in shares ==5==5 and investors come from ==5==5 all walks of life, says the ==5==5 sharedealing service Sharelink.}}5}i5 ||||||| In fact, it reckons we're fast becominga nation of shareholders instead of shopkeepers. .#+$ Presently, there are10m h's} private shareholderscompared j} ~ with 3m in 1980. *}||? ``````````````````````````````````1/9`` A word of warning before you start>> GREAT OFFSHORE RATES FROM YORKSHIRE GUERNSEY - SEE P539 Advice Savings Property plus Index P543 Teletext 543May1121:40:08 ADVERTISEMENT SHARES FOLLOW>>>>> PRESS HOLD
OPEN 7 DAYS A WEEK Members of The London Stock Exch9/9e & The Securities & Futures Authority
NOW OPEN MON TO THURS UNTIL 8.30PM Property Plus Your money Tax Index P543 Teletext 543May1121:40:26 o5pz5p`0s`pp`pp `ppj5s`ppb1pp0 ~5k5j5j7#jw j7#j5j7j5#!///// j5~5o~%j}|j}| j}|j5j5j5|4?/o7k wss````SELF-FUNDING ELDERLY IN CARE````` Dear Teletext My brother and I wish to buy and modernise our mother's council house so that she can live there without discomfort and fear. But what happens if she needs to go into a state nursing home? Can the local council claim the house as part of her estate and sell it to pay for her expenses while in care? N Cooper, Stafford, Staffs ``````````````````````````````````1/9`` Savers Selection546 Tax Clinic548
SHARE DEALING SERVICE-SEE PAGE 535 Property Plus Your money Tax Index P544 Teletext 544May1121:40:44 o5p0pp0pp0pp0p0zu`0p `ppj5p`0pp0xt ~5!k5k5{5!k7j5 j7j5j5s1w{ ~5~5|4 j5j} j}j5~5|~5w7k / (,/ *% ``HOW TO JOIN UP````````````````````` All types of properties are listed withHomeLink and photographs can also be included. > `||04HomeLink publishes"Trading xuPlaces"a book costing #6 which h,||,4covers the scheme, members tips j|?o|5and hints. Send ansaefor an jp5jp5information pack to: HomeLink, Linfield House, Gorse Hill Road, Virginia Water, Surrey. GU25 4AS Which mortgage for me?...0891 141 328 T+ ``````````````````````````6/7``Calls cost 39p/min cheap rate 49p/other SAVE ENERGY - HOUSE HUNTING FROM HOME SEE PAGE 370 (ITV) MortgagesSavingsYour MoneyMoney News P544 Teletext 544May1121:41:03|4 # 0 }(|$|h4|l4|l4 |l4|l4 l<h<| } / j5n1j5 j5j5 j5j5 u / /.%/*%/*% /.%/*% *%*-/ |,,l h<|h<$|hh4 h4|h<|h<<|h<$|,$ jjj j5j=$jj5 j=j5j55j=$/l4 hhj *%/*-$/..% *%/*-/*%%/*-$,.% bbj **j LOOKING FOR A BRAND NEW HOME? FOR A SELECTION OF NEW HOMES //o IN YOUR AREA & INFORMATION jjj ON ALL MAJOR ASPECTS OF hhjt|p+#+' BUYING YOUR DREAMHOMEbbjg||0 **j~= h<,h<$|, |l4|l4|,$h<$g;~= *-|j=$, .%n5(|j=$//o~:y (,/*-$/, / /*%/,/*-$jjj//////% h,|(,|h<l4 hhj x||||t+5 (w j5j5 bbj.//////- *,/ /*-.% xt **j73?//ock .!"-555jjjtptpt (ITV) NHMB}|5}~j|~=,=,= -,,.MortgagesSavingsYour MoneyMoney News P545 Teletext 545May1121:41:22 o?`pp`p0zu`pp`pp`pp`pp`pp >o}pppp j5j7j7!k7j7bsj7jwjws m~?##br j5j}j5 j5j}j}j}j}|h| ll,,,w5 (,/ (,/ "" "# `````SECOND TIME BUYER DISCOUNTS````` MAX LENDER RATE TERM LOAN FEE Abbey 3.75% 31.8.95 89.9%None Chelsea 0.00% to 31.12.9470% #250 Coventry 5.25% 1.6.96 95% #150 Leeds Perm7.24% to 1.1.200080% None Some will only lend in their area. Source: MONEYFACTS, The Monthly Guide to Investment and Mortgage Rates. ``````````````````````````````````5/11` Second-time buyers discounts>>>>
WHAT'S ON FAMILY FINANCE TODAY? p540 Savings Money News Tax Index P545 Teletext 545May1121:41:39 o?`pp`p0zu`pp`pp`pp`pp`pp >o}pppp j5j7j7!k7j7bsj7jwjws m~?##br j5j}j5 j5j}j}j}j}|h| ll,,,w5 (,/ (,/ "" "# `````REMORTGAGES: DISCOUNT RATES````` MAX LENDER RATE TERM LOANFEE Halifax 6.94% for 3 yrs 85% None Norwich&Pet5.89% for 2 yrs 80% #125 Scarborough2.34% for 6 mths75% #150 then 7.34% for 4\ yrs Some will only lend in their area. Source: MONEYFACTS, The Monthly Guide to Investment and Mortgage Rates. ``````````````````````````````````6/11` General Capped rate mortgages >>>> YOUR BEST MOVE IS TO A BRAND NEW HOME - SEE p370 (ITV) Savings Money News Tax Index P545 Teletext 545May1121:41:58 o?`pp`p0zu`pp`pp`pp`pp`pp >o}pppp j5j7j7!k7j7bsj7jwjws m~?##br j5j}j5 j5j}j}j}j}|h| ll,,,w5 (,/ (,/ "" "# ```````GENERAL CAPPED RATES`````````` MAX LENDER RATE TERM LOANFEE Brist & West5.90%for 2 yrs 90% #275 Citibank 3.95%to May 95 95% #195 Portman 6.99%to 1.1.96 95% None RBxScot 7.59%to 10.4.9795% #295 Some will only lend in their area. Source: MONEYFACTS, The Monthly Guide to Investment and Mortgage Rates. ``````````````````````````````````7/11` 100% mortgages for all >>>>
HALIFAX HOUSE PRICE INDEX FOLLOWS>> Savings Money News Tax Index P545 Teletext 545May1121:42:16 o?`pp`p0zu`pp`pp`pp`pp`pp >o}pppp j5j7j7!k7j7bsj7jwjws m~?##br j5j}j5 j5j}j}j}j}|h| ll,,,w5 (,/ (,/ "" "# ```````````100% MORTGAGES```````````` First Time Buyers LENDER RATE MAX LOAN RBxScot 7.99% #100,000 Great BritainTSB 7.95% #75,000 Scotland only Homebuyers in general LENDER RATE MAX LOAN BxScot 7.64% #100,000 Great BritainN&P 8.14% #75,000 Great Britain Source: MONEYFACTS, The Monthly Guide to Investment and Mortgage Rates. ``````````````````````````````````8/11` Mortgage pages updated every Thursday FOR PROPERTY INFORMATION & PRICES IN YOUR REGION TURN TOPAGE 370 (ITV) Savings Money News Tax Index P545 Teletext 545May1121:42:35 o?`pp`p0zu`pp`pp`pp`pp`pp >o}pppp j5j7j7!k7j7bsj7jwjws m~?##br j5j}j5 j5j}j}j}j}|h| ll,,,w5 (,/ (,/ "" "# ````HALIFAX HOUSE PRICE INDEX````````MONTH INDEX Mth/Chn Yr/Chn AV.PRICEApr93 204.1 1.7 -2.3% #63,144 May93 201.6 -1.2% -3.3% #62,744 Jun93 199.3 -1.1% -4.5% #62,440 Jul93 201.1 0.9% -3.3% #62,928 Aug93 202.6 0.7% -2.3% #63,111 Sep93 203.3 0.4% 1.0% #63,214 Oct93 203.1 -0.1% 1.5% #62,771 Nov93 203.4 0.1% 1.5% #62,803 Dec93 202.1 -0.6%r 1.2% #61,928 Jan94 201.2r -0.5%r 1.1% #61,133 Feb94 205.4r 2.1%r 3.8% #62,498 Mar94 205.8 0.2% 2.6% #63,122 Apr94 205.2 -0.2% 0.1% #63,205 ``````````````````````````````````9/11` Halifax survey updates around 14th.
WHAT'S ON FAMILY FINANCE TODAY? p540 Savings Money News Tax Index P546 Teletext 546May1121:43:11 ADVERTISEMENT......... 6/8
OFFSHORE ACCOUNTS FROM 44<4<4hh <$444<4h, h,$44<$<4hlh,h,hh -555=mj.4-4=55=mj$ j(455= =mjj*lj$*n ,%-%%** %,%%%%%**, *,%-%-$%***(.*,(. HIGH GROSS RATES WITH A RANGE OF NOTICE PERIODS. MINIMUM OPENING DEPOSIT ONLY #5,000-MINIMUM WITHDRAWALS OR ADDITIONAL DEPOSITS OF ONLY #500. FOR MORE DETAILS AND INTEREST RATES
OR SEE PAGE 539 Holiday # Tax Premium Bonds Index P546 Teletext 546May1121:43:29 ?/`pp0p0p0s1ppp`pp0ppp b1 `yw `r}1 /m|bs55557j75ws,($ >)~5'l |~j}5*}? 55j}5|~sb1swr{%kqs? (,/% ,($,"#! #! `````NATIONAL SAVINGS```````````````` ACCOUNT DEPOSIT RATE NOTICEINT Investment #20 5.25%1 mth yly #500 5.75%1 mth yly #25,0006.00%1 mth yly Inc Bonds #2,000 6.50%3 mth mly #25,0006.75%3 mth mly Cap Bond(H) #100 7.25%5 yr On mtFIRST Option #1,000 6.00%12 mthyly #20,0006.40% yly PensionGIB #500 7.00%5 yr mly Interest rate fixed. Source: MONEYFACTS ``````````````````````````````````7/8`` National Savings Certificates >>
CHECK OUT OUR MORTGAGE SAVERS p545 BRAND NEW HOME - SEE p370 (ITV) Holiday # Tax Premium Bonds Index P547 Teletext 547May1121:43:48 /?epp0p0p`p0s1ppp`u `p0ppp`u`pp0ppp 5jk55j!5ws"7 j!s{"7j{5ws 5j~5}j 5|~ 5 j ~ 5j|4|~``````````````````````````````````````` Wednesday's pound buys: Australia 2.01 dollars Austria 17.01 schillings Belgium 49.99 francs Canada 2.004 dollars Cyprus 0.726 pounds Denmark 9.55 kroner Ireland 1.00 punts Finland 7.92 marks France 8.27 francs Germany 2.43 marks Greece 357 drachmae Holland 2.72 guilders Hong Kong 11.14 dollars ``````````````````````````````````1/2`` Have you seenFamily Finance?540
CHECK OUT "YOUR MONEY" PAGES p542 Tax Your Money Property Index
