Das hat sich wohl ausgerockt ?
Unsere amerikanischen Freunden werden diesen Prozess auch durchmachen.
Kommt es zu einer Übernahme?
(Aktuell: 4,50)
Falls es in die Hose geht, nicht so schlimm. Vielleicht geht die Rechnung ja auf?
Gruß
Casaubon
http://www.northernrock.co.uk/legal/#security
"Payments under the Scheme are limited to 100% of the first £2,000 of a depositor's total deposits with the bank and 90% of the next £33,000, resulting in a maximum payment of £31,700. Most depositors, including individuals and small firms are covered. The Scheme limit relates to each depositor for their combined deposits held with Northern Rock and not for each Account. Further details of the Scheme are available on request."
D.h. bis 2.000 Pfund ist man auf der sicheren Seite - und bis 35.000 Pfund bekommt man zumindest noch 90% der Einlage zurück.
In Deutschland müsste so ein Bank-run ja vollkommen ausgeschlossen sein - zumindest bei den Banken, die eine zusätzliche Einlagensicherung bieten (z.B. seitens des Bundesverband Deutscher Banken). Siehe http://www.bdb.de/html/verband/einlagensicherung.asp?channel=183210
Also, wenn ich in Deutschland mein Geld z.B. bei der Deutschen Bank auf einem Spar- oder Girokonto einzahle (d.h. Sichteinlage), dann bekomme ich sogar garantiert 100% "bis zur Höhe von 30 Prozent des maßgeblichen haftenden Eigenkapitals der jeweiligen Bank zum Zeitpunkt des letzten veröffentlichten Jahresabschlusses" - und das sind mehrere Millionen Euro!
Grüsse,
joejoe
die bank ist doch am ende. allein schon der image-schaden! wie sollen die jemals wieder neue kunden gewinnen?
09:00, Sep 18 2007
Queues of people formed again outside branches of crisis-hit bank Northern Rock despite Monday's Government guarantee for savers.
The share price rose as trading opened but the lines forming outside many branches showed that not everyone was reassured by Chancellor Alistair Darling's announcement.
Ministers were hoping for an end to the panic among savers who have queued in their hundreds to empty their accounts, and for a rallying of bank stock prices, after Mr Darling announced on Monday night that all the banking group's deposits would be covered.
At Kingston-upon-Thames, in south west London, the focus of some of the biggest queues, around 50 people were queuing by 7.30am, ahead of the special early opening time of 8am. There were more queues at other branches around the country.
Northern Rock, which has seen its market value cut in half since Friday, enjoyed an early 9% gain on Tuesday.
Post #of 14565
A must read about Stock Bashers:
Don't waste your time and space replying to them but if you really HAE TO: NEVER WASTE MORE THAN ONE SENTENCE ON THEM:
(or you can cut and paste something in 10 seconds:)
This is something I found and cut saved a while back:
Its very long but you got to read it. (Now you can cut and paste it too.)
How to recognize Stock bashers on Message boards, newsgroups and in chat rooms.
LEARNING is a process and an evolution. Learning is not all fluff. Learning is a process of awareness and unfolding development; one must be willing to work at it though.
A year ago when I asked broker friends of mine if the internet message boards will have any affect on a stock. They ALL laughed at me and said those idiots having an affect on a stock!
A truth: IT IS EASIER TO SCARE PEOPLE INTO SELLING THAN IT IS TO INFORM PEOPLE INTO BUYING A STOCK.
Well I asked those same friends this last week, and the answer from all YES! message boards and ""shorts" (some) can manipulate with lies, and deceit.
Text zur Anzeige gekürzt. Gesamtes Posting anzeigen...
Now think about that, you have elderly that invest and find their way to the message boards only to see false posts about "SEC Violations" and "Class action suits" or you have a Yuppie with a kid to put in college going to these message boards only to see posts by 15-20 (probably 5 or 6 under alias) "pack of shorts" posting the same false stuff about SEC Violations or lawsuits or "there's bad news coming out" ....what do you think they will do ?
It's easier to sell the stock and put the money into the bank for nervous people like the elderly and the Yuppie who needs college funds. THAT'S WHO THE PACK OF SHORTS PRAY ON AND DEPEND ON. They bet on a stock to go down-not up! Understand? And they have just as much money and risk as you. But they have the edge of fear, lies, falsehoods to post and pray on the nervous. Longs don't have that.
Lesson 1: Remember, BASHERS NEVER BASH A BAD STOCK. Watch the board for stocks with no potential. They never have any bashers. Bashers only go after stocks that are going upwards or have excellent potential to go up. Bashers get left behind, so they want to bring the price down.
Lesson 2: BASHERS ALWAYS BRING UP OLD NEWS THAT YOU HAVE HEARD MANY TIMES. New startup companies always have a few bits of bad news. The basher will post this over and over again. The stupid basher will try to make the old news a bit fresher to try to fool you.
Lesson 3: BASHERS POST MANY TIMES A DAY. They try to wear you out. They comment on everything, every other post, and can answer every question. THEY KNOW IT ALL! There is no positive comment they won't bash. They try to control the board. True longs may have to address the bashers or they will appear to the newbies as being the people with all the information.
Lesson 4: BASHERS WILL LIE TO YOUR FACE. Never trust a basher. The truth on startup companies is that many mistakes are made and losses happen. The basher will try to make you believe all startup companies make a profit, release financials every quarter and all aspects of the business run smoothly. THIS IS NOT TRUE. THE BASHERS LIE TO YOU. Startup companies can go years without profits, financials and good business, this is the nature of the beast.
Lesson 5: The bashers know YOU CAN'T VERIFY THEIR STATEMENTS. That's why they make the statements they do.
Lesson 6: The bashers PLAY ON YOUR LACK OF KNOWLEDGE. They can lie about information and you couldn't know the difference (unless you have done your assessment of the company and know the truth and facts).
Lesson 7: Bashers play on your lack of patience. YOU have held a penny stock for a while. You knew it will be a big penny stock someday, but the BASHER CAN GET TO YOU BECAUSE YOU ARE TIRED OF WAITING FOR YOUR GAIN . That's when the basher is best. You are tired. You have forgotten the goal for the penny stock was to hold it for one year. The basher is bothersome, so you dump it on a bad day. Some others also dump. Then you get mad for your loss and return to let everyone know how mad you are. Then you turn into a basher as well. THE BASHER HAS WON, AND GAINED A NEW PARTNER TOO, to be able to get in at a great price.
Lesson 8: BRING THE PRICE DOWN. That is the basher's job. The truth is not important. Lies are the norm. Post continuously on the board every day. They are trying to hit the newbies visiting the board. They are trying to wear out the longs on the board. They do whatever it takes to wear the longs out.
Lesson 9: BASHERS WILL TRY TO CREATE DOUBT AND GET YOU TO RESEARCH ITEMS THAT THEY KNOW WILL LEAD TO THE CREATION OF DOUBT IN YOU AND IN OTHER STOCKHOLDERS. A typical trick of an advanced basher is to propose that there is a potential "problem" because "we" don't have the facts on a particular subject. The basher dares someone in the group to find out the answer to the question. The basher already knows the answer; the basher already knows what will be found. The power of this tactic is that the basher is now in control of the actions of the stockholders; the basher has you, the stockholder doing HIS/HER due diligence and when you, the stockholder come back to the group with a questionable finding then the basher gains credibility. What to do??? Solution??? Well, I think it's important to find answers but on your own terms. I actually pick up the phone and call the company and talk to the investor relations person or the CEO until I get a satisfactory answer. The problem here is that the advanced basher has you doing his bidding and his work; you have essentially joined his ranks. So, develop your own little Due Diligence package and answer questions by placing the information into the package and referring all new investors to read the answers to questions raised in the Investor Information package but DON'T GET INTO A CONVERSATION WITH THE BASHER REGARDING THE TOPIC. THAT IS WHERE YOU LOSE. DON'T CONVERSE WITH THE BASHER; ANSWER INDIRECTLY; DON'T USE THE BASHERS NAME; DON'T GET INTO A PERSONALITY CONTEST.
A BASHERS HANDBOOK: know the enemy who wishes to steal your money! Do not underestimate a bashers influence on a stock. The Pro's are good at what they do and what they do is profit from your losses. Below is their "hand-book" so to speak. Learn from it or donate your money to those who make an organized plan to steal your money!
BASHERS DO THE FOLLOWING:
1. Be anonymous
2. Use 10% fact. 90% suggestion. The facts will lend credibility toyour suggestions.
3. Let others help you learn about the stock. Build rapport and a support base before initiating your bashing routine.
4. Enter w/ humor and reply to all who reply to you.
5. Use multiple ISP's, handles and aliases.
6. Use two (2) or more aliases to simulate a discussion.
7. Do not start with an all out slam of the stock. Build to it.
8. Identify your foes (hypsters) and the boards "guru" Use them to your advantage. Lead them do not follow their lead.
9. Only bash until the tide/momentum turns. Let doubt carry it the rest of the way.
10. Give the appearance of being open minded.
11. Be bold in your statements. People follow strength.
12. Write headlines in caps with catchy statements.
13. Pour it on as your position gains momentum. Not your personality.
14. Don't worry about being labeled a "basher". Newbies won't know your history.
15. When identified put up a brief fight, then back off. Return in an hour unless your foe is a weak in reasoning powers.
16. Your goal is to limit the momentum of the run. Not to tank the company or create a plunge in the stock; be subtle and consistent.
17. Kill the dreams of profits, not the company or the stock.
18. Use questions to create critical thinking. Statements to reinforce facts.
19. DO NOT LIE, DO NOT NAME CALL and DO NOT USE PROFANITY.
20. Encourage people to call the company. 99% won't. They'll take your word for claims made. If they do call you can always find something that is inaccurate in how they report their findings.
21. Discourage people for taking the companies word for anything. Encourage them to call the company. They won't out of laziness.
22. If the companies history/PR's are negative constantly point to that. Compile a list of this data prior to beginning your efforts.
23. If the price rises blame it on the hype or the PR, temporary mass reaction, the market, etc. Anything but the stock itself.
24. If other posters share your concerns, play on that and share theirs too.
25. Always cite low volume, even when it's not.
26. Three or four aliases can dominate a board and wear down the longs.
27. Bait the hypsters into personal debates putting their focus/efforts on you and not the stock or facts. Divert their attention from facts. Show them the facts from a "different angle."
28. Promote other stocks that would-be investors can turn to instead of the one your bashing.
30. Do not fall for challenges on the "values" of what you are doing, it's a game and you are playing it with your own rules.
GRADE YOUR FAVORITE BASHER:
Advanced Basher:
Will join the message board early and actually "pump" the stock with positives; this basher is very intelligent, has the facts of the company, actually helps longs with Due Diligence and generally gets the confidence of the stockholders. Then, when the stock hits their price, the tone will change and they will start asking longs to check into this and check into that. The seeds of doubt are being planted. This basher will then start using all the tactics listed on this page to create seeds of doubt. ALWAYS LOOK AT THE PROFILE OF A PERSON YOU SUSPECT. ASK WHAT STOCKS THEY'VE "SUPPORTED" IN THE PAST AND CHECK OUT THE MESSAGE BOARD. An honest person will have a positive track record that can be followed. I strongly believe that a contrary view is needed but this person is out to steal your money and does it by deception and creates fear after gaining confidence! BEWARE, this is the most clever basher and the hardest to spot.
Grade A Basher:
Posts lots of old news, responds to all positive posts with a negative side. Never responds to being called a basher, never posts on another board. Can spend up to 80 hours a week bashing a stock.
Grade B Basher:
Very good way with words, always claims to be your "friend" taking the positive poster into confidence, never posts on another board, spends about 60 hours a week.
Grade C Basher:
Spends less time than the others but is somewhat effective and gets a C grade due to getting excited when bashers rules say not to get excited, spends about 40 hours a week.
Grade D Basher:
Needs to learn the basics about being convincing when making a negative statement. Spends a good amount of time working the stock, maybe 20 hours a week. Grade F Basher: A complete idiot, most readers are not convinced he knows anything about stocks in general. The type that says a stock "sucks", but gives no rationale, shows up every so often but no regular schedule.
WHY BASH?: MONEY (the usual reason), SPORT, ENTERTAINMENT. Some bashers are compelled to bash because they are inherently a part of the dark side of life so they must do it. It's a sad fact but never the less, a fact. It's life so you must learn how to deal with it or become a victim!
LEARN ABOUT HOW STOCK BASHERS WORK: how they are paid: (this was written by a basher) I know the following from a "friend" who needed extra money. I never answer a basher directly because I then become a basher's little money machine. IGNORE THEM FOLKS...how bashers are paid: When you REPLY to bashers you give them an opportunity to earn 5-7 bucks. The service agreement they enter into with their employer states their messages will be monitored for content, profanity, lies, etc. but Money Manager's and the like don't have the time to check all their bashers messages. Only occasional spot checks are done. Those who manage the basher will generally read the headlines to see if a basher is replying to other posters by name. That tells them the basher isn't just "posting blindly" or repeating the same message over and over since they won't pay for those. A basher will attempt to milk three to five replies per post at one to two dollars each. This way the basher spreads negative influence to as many stockholders as possible. A basher will create this discussion thread because it takes less time reading more messages than is necessary. This ultimately allows the basher more time to post and make money. In general, NEVER ENGAGE A BASHER. Make them read all the posts and think up ways to enter the discussion.
NEVER ENGAGE A STOCK BASHER; if you do so then YOU BECOME THE BASHER'S AID!
Read the news, do your own homework and make your own decisions. Get real time quotes and follow the stock for a couple of weeks. Due Diligence is key here. Know that there will be a time when the stock runs up which will be followed by the Bashers and those that missed the boat. The bashers will trash the stock by saying such things as "it's a Pump and Dump" and "the company is lying" and deceiving. There goal is to scare off newbies and potential new investors by "shaking" you out of your shares. Take the time to confirm your Due Diligence, ,trust your own judgment and believe in yourself, pick your point of return or loss and live with it. Don't listen to hype or bashers and live by the rules you have created.
moron bashers any satisfaction..... They are here for one reason - to drive pps down. Most of them are paid, some are day traders..... the only thing you can be sure of is - they are not here bashing the stock because they are "good hearted people" trying to save you money by bashing the stock.
In fact, the more bashers (I notice they are increasing) the more you can be sure this stock is a good one...........
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Experience - It's what you get when you don't get what you want..............
Der Schuss kann ganz genau so nach hinten los gehen. Ich setze auch so schnell kein SL.
Hier geht es auch nicht um Intradaytrading, sondern um eine etwas längerwierige Zockerei. Sollte die Bank wieder auf die Beine finden, sind wir auf der Gewinnerseite.
BoE hin oder her. Im Übrigen ist ein Imageschaden im Fall einer Übernahme gar kein Problem.
Dem Übernehmer geht es ja hier nicht um das Image sondern um die Kundendatei. Und so billig kommt man so schnell nicht mehr an die Bank ran.
Naja, warten wir mal ab.
Casaubon
dass es in wirklichkeit gar keinen banking run auf northern rock gab?
dass ich dick in northern rock-puts (gibt's welche?) drin stecken wuerde?
ja, mag sein, dass die aktie kurzfristig wieder hochbounced, aber dennoch sind die in meinen augen am ende. werden vielleicht fuer nen appel und ein ei verkauft
Zürich (aktiencheck.de AG) - Die Aktienanalysten der UBS vergeben für den Anteilschein des britischen Unternehmens Northern Rock (ISIN GB0001452795/ WKN 909658) weiterhin das Rating "neutral".
Infolge der Turbulenzen auf den Kreditmärkten habe die Bank of England dem Unternehmen eine Kreditlinie gewährt. Diese Nachricht habe sowohl unter Investoren als auch unter Kontoinhabern des Unternehmens für Unruhe gesorgt. Nach Einschätzung der Aktienanalysten bestehe allerdings nur ein sehr geringes Risiko bei den Ersparnissen der Northern Rock-Kunden. Für Investoren dokumentiere die Entwicklung jedoch die Risikofaktoren, die das Geschäftsmodell von Northern Rock in sich berge.
Die Liquiditätskrise von Northern Rock und der hiermit einhergehende Vertrauensverlust lasse die Frage aufkommen, ob Northern Rock in Zukunft als unabhängiges Unternehmen weiter bestehen könne. Die Aktienanalysten hätten ihre EPS-Prognose für das Jahr 2007 von 91,4 Pence auf 55,5 Pence herabgesetzt. Die EPS-Schätzung für das Jahr 2008 sei von 95,1 Pence auf 38,1 Pence reduziert worden. Das Kursziel für die Aktie werde von 805 Pence auf 445 Pence gesenkt.
Vor diesem Hintergrund stufen die Analysten der UBS die Aktie von Northern Rock unverändert mit "neutral" ein. (Analyse vom 17.09.07) (17.09.2007/ac/a/a)
Analyse-Datum: 17.09.2007
Analyst: UBS AG
Rating des Analysten: neutral
FSA: Northern Rock "nicht in Schwierigkeiten"
LONDON (Dow Jones)--Der Leiter der britischen Finanzaufsichtsbehörde (FSA) hat Vermutungen zurückgewiesen, der Hypothekenfinanzierer Northern Rock befinde sich in Schwierigkeiten. In einem BBC-Interview sagte der Chief Executive Officer der FSA, Hector Sants, am Dienstag, das Institut sei solvent. Zudem wiederholte Sants, es habe keine Versäumnisse bei der Aufsichtspflicht der FSA gegeben. Die Bank sei zahlungsfähig und die Einlagen der Kunden sicher.
Werbung
Der britische Schatzkanzler Alastair Darling hatte am Montag verkündet, dass die britische Regierung die Sicherheit der Einlagen bei Northern Rock garantiere. Ein am Freitag von der Bank of England gewährter Notfallkredit hatte das Vertrauen in das Institut nicht wiederherstellen können.
DJG/DJN/sgs/apo