tonmd1.co.uk Report : Visit Site

Technical data of the tonmd1.co.uk

Geo IP provides you such as latitude, longitude and ISP (Internet Service Provider) etc. informations. Our GeoIP service found where is host tonmd1.co.uk. Currently, hosted in United Kingdom and its service provider is UK Ecommerce Hosting Ltd .

the related websites

tonmdportal.co.uk bonton.com ehealthscores.com mowdirect.co.uk mdlpowerup.com tripadvisor.com 

HTTP Header Analysis

HTTP Header information is a part of HTTP protocol that a user's browser sends to called Apache containing the details of what the browser wants and will accept back from the web server.

DNS

HtmlToText

www.bpfs.com issue 28 ignore gender new year revolution a matter of interest pension worry insurer pricing must ignore gender gender equality comes to the insurance industry later this year. in line with a ruling by the european court of justice, the eu gender directive takes effect on 21 december. from then onwards, the premiums for new insurance policies or renewals under many existing policies must be determined without taking account of policyholders' gender. this directive has major implications for the insurance industry's key tenet of setting premiums that reflect the degree of risk. data shows that women live longer than men, which means they have generally paid less for life insurance than men of the same age and comparable state of health. that will change, but premium levels set for the term of a life policy taken out before 21 december should not be affected. most insurers opposed the ruling and the association of british insurers says: "uk insurers fought for nearly a decade to keep the right to offer customers premiums that reflect their risk as accurately as possible, by using gender. unfortunately, insurers lost this battle and were disappointed, but are now focused on adjusting their systems and working to make sure the change is as smooth as possible for customers." premiums to rise for women and men it is not just life insurance premiums that will be affected. most people know that women make fewer motor claims than men, particularly in the lower age bands. women are likely to see their motor premiums rise as these are equalised with men's. conversely, insurers have found that women make more health-related claims, so often pay more for private medical insurance and income protection cover; thus, male premiums in these categories could soon increase through equalisation. pension income from retirement annuities will also be affected. annuity rates have been lower for women because they can usually expect to receive payments for longer. from 21 december, gender will no longer be a factor in setting an insurer's annuity rates, which otherwise depend largely on age and health. so, male rates for new annuities will inevitably suffer, making it all the more important to take advice on possible eligibility for an enhanced annuity that takes account of certain health factors. it may make good sense in some cases to bring forward commencement of an insurance product to pre-empt gender equality price rises, but this is just one issue to take into account. yes, price is important, but cheapest is not necessarily best. advice on the right product for your circumstances is crucial, as is the way in which it is held – in the case of a life policy, perhaps in trust to mitigate inheritance tax. talk to us soon. back to top fsa's new year revolution the new year is some months away, but financial services firms like ours are already preparing for changes ordered by the financial services authority (fsa) with effect from january 2013. these changes, resulting from the fsa's retail distribution review (rdr), are being implemented to improve the way in which advice on investment products, including pensions, is provided to clients. this rdr revolution, as it could be described, is intended by the fsa to increase confidence and trust in the advice provided to clients, enabling them to know from the outset exactly what they are paying for and ensuring that they get a higher level of technical expertise as a result of new professional standards set for advisers. we support these objectives, which largely mirror our own outlook on financial advice delivery standards and charging. so, for us, the rdr changes are not any kind of cultural revolution, but they do introduce some new terminology and procedures that clients may notice as the transition to rdr standards progresses. enhanced qualifications advisers must have also reached a new and more demanding level of qualification than was previously required, as well as adopting a code of ethics and undertake ongoing professional development to keep their knowledge up to date. individual accreditation will take the form of an annually renewable statement of professional standing. fee transparency like the fsa, which rightly wants clients to relate the services received to the charges paid, we favour transparent charging. from january 2013, invisible commissions will be banned by the fsa, with all charges being disclosed and agreed in advance. continuing charges will only be permitted if an adviser provides an ongoing service. in short, the fsa wants to see clients well served. that has long been our aim, too. back to top as a matter of interest with autumn approaching, there have been mixed messages about the affordability of mortgages. a major mortgage lender joined a trend by announcing a 0.5% increase in its standard variable rate product for new customers, having nudged up its two-year fix and tracker rates earlier in the year. around the same time, a rival lender said data showed mortgage payments for new borrowers were at their most affordable in 15 years. maybe the action of the first lender is a natural response to the situation identified by the second. markets tend to operate in cycles and housing is no exception. low interest rates and subdued price pressures have combined to make mortgages 'affordable' (relatively, at least). with many mortgage rates not shackled to the 0.5% base rate, one of the two key cost factors in mortgage affordability seems to be on the rise; but house price movements remain subject to regional variation. wherever we live, we would like to pay as little interest as possible on our mortgage and quite a bit has emerged lately about interest rate setting. before the global financial crisis five years ago, it appeared that nearly every uk interest rate was closely aligned in some way to bank base rate. yet when base rate fell to only 0.5%, over three years ago, not all borrowing rates matched its fall. then it emerged this year that a rate hardly anyone knew about, london interbank offered rate (libor), was just as influential as base rate. £80bn scheme the government has been concerned about the cost and availability of mortgages and in august it launched the £80bn funding for lending scheme (fls), an arrangement to help financial institutions access cheap funds, so as to increase their lending, including mortgage advances. other official action to stimulate the housing market could follow. the fls has already prompted some longer-term fixed-rate mortgage deals, though sometimes restricted to borrowers with lower loan-to-value needs. the council of mortgage lenders, said: "it is difficult to say exactly what its impact on the mortgage market may prove to be, but the funding for lending scheme seems likely to encourage lending in its widest sense." whatever the state of the housing and mortgage markets, advice from a specialist is often the key to finding the right kind of mortgage interest structure to suit your needs. back to top 'too little, too late' pension worry how much should we put aside each month to give ourselves the chance of a comfortable retirement and when should we start? these may be 'how long is a piece of string?' sort of questions, but there are some clues out there to help us. even if you currently pay into a personal pension, the answers may be 'more than at present' and 'very soon', to avoid squirrelling too little, too late. a new pension auto-enrolment scheme is just getting under way, starting with big employers. both employer and employee, unless the employee opts out, must put a minimum percentage of pay into a pension. that means 1% each to start with, but rising in stages to 3% and 4%, respectively, in 2017. tax relief on the employee's contribution will make an 8% total. double-figure contributions suggested the auto-enrolment contribution rates may not be enough, many experts believe, especially for someone auto-enrolled at a late stage in t

URL analysis for tonmd1.co.uk

http://www.tonmd1.co.uk//#itemfour
http://www.tonmd1.co.uk//#itemthree
http://www.tonmd1.co.uk//#itemone
http://www.tonmd1.co.uk//#itemtwo
http://www.tonmd1.co.uk//#menu

Whois Information

Whois is a protocol that is access to registering information. You can reach when the website was registered, when it will be expire, what is contact details of the site with the following informations. In a nutshell, it includes these informations;

Domain name:
tonmd1.co.uk

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 17-Feb-2014

Registrar:
123-Reg Limited t/a 123-reg [Tag = 123-REG]
URL: http://www.123-reg.co.uk

Relevant dates:
Registered on: 10-Nov-2010
Expiry date: 10-Nov-2018
Last updated: 03-Nov-2016

Registration status:
Registered until expiry date.

Name servers:
ns.123-reg.co.uk 212.67.202.2
ns2.123-reg.co.uk 62.138.132.21

WHOIS lookup made at 17:03:21 01-Jun-2018

--
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:

Copyright Nominet UK 1996 - 2018.

You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at https://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER co.uk.whois-servers.net

  ARGS tonmd1.co.uk

  PORT 43

  TYPE domain

DOMAIN

SPONSOR
123-Reg Limited t/a 123-reg [Tag = 123-REG]
URL: http://www.123-reg.co.uk
Relevant dates:

  CREATED 10-Nov-2010

  CHANGED 03-Nov-2016

STATUS
Registered until expiry date.

NSERVER

  NS.123-REG.CO.UK 212.67.202.2

  NS2.123-REG.CO.UK 62.138.132.21

  NAME tonmd1.co.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2018.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at https://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED no

Mistakes

The following list shows you to spelling mistakes possible of the internet users for the website searched .