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'Any expats who could move back to the UK already have. The rest of us are trapped'

Even in Thursday's heavy rain showers, the small town of Villanueva del Trabuco high in the mountains above Malaga looks like a British expat's dream place in the sun: buried in olive groves, dozens of whitewashed houses with almond blossom creeping over stone latticework.

Think again: the five British residents gathered in Villanueva del Trabuco's biggest bar nursing drinks as they eye the teeming rain outside estimate there has been a massive fall in the town's numbers in the last four years, from 200 British households to just 30 in 2012. And it's still dropping.

"There is no end to the thinning-out process," Ronny Clarke, a British retiree living in Villanueva del Trabuco, tells The Independent. "As two of my friends said when they left here for the UK again: the party's over."

By many accounts, a cocktail of plummeting house prices, a remorselessly unfavourable exchange rate and a Spanish economy in ruins has dealt a knock-out blow to the economic welfare of tens of thousands of British pensioners living in Spain.

"Those who could move are already in the UK," Mr Clarke says. But what of those who remain?

"We are trapped," says E W, a British pensioner in her 60s with property on the Costa del Sol, who will not reveal her full name because she does not want her relatives worrying. "Your pension doesn't go as far as it did five years ago and people are already leaving. My plans were to stay here for 10 years, but I sold up everything in the UK, so I can't go back."

Professor Jose Luis Suarez, an expert in financial management from the IESE business school, says "foreigners who wish to sell their home face a problem. House prices are falling, so anybody wanting to sell has to make a large discount".

But after years of saving to move to Spain, what is prodding them to move back? The British retirees cite the exchange rate as one of the biggest issues, harking back to when 1 would get you 1.50 compared with 1.20 or 1.10 now.

That difference is crucial to the quality of life abroad for those reliant on British pensions. And with no property back in the UK, they have no choice but to stick it out. At the same time, the cost of living has soared in Spain. John French, a 78-year-old who proudly recalls that he was one of the first Britons to set up a home in Fuente de Piedra further inland, says that his wife came out of the bank "laughing her head off" recently because the exchange rate had improved to 1.22 for the first time in months. But, he adds gloomily, corned beef prices in his local Iceland have gone through the roof.

Estimating exactly how many British pensioners are in stuck in a cleft stick property-wise in Spain is difficult given that many UK expats do not notify authorities when heading south. The UK's Office for National Statistics notes that since 2008, when Spain's economic crisis began, British emigration figures have been dropping.

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'Any expats who could move back to the UK already have. The rest of us are trapped'

Reserve Bank warns public

WILLIAM MACE

The Reserve Bank is warning the public that claims being made by an unlicensed New Zealand-based offshore investment company may be false.

First International Bancorp Limited's website says it is registered under the New Zealand Commonwealth Offshore Banking Act of 1993, but a Reserve Bank notice issued today says that legislation doesn't exist and the company is breaking other banking rules.

"This entity is not licensed or prudentially supervised by the Reserve Bank of New Zealand or any other New Zealand authority," says the RBNZ statement.

"It is not registered under the New Zealand Commonwealth Offshore Banking Act of 1993 as no such Act exists in New Zealand."

First International Bancorp Ltd is now registered with the Companies Office under the name 2188498 Limited, and is owned by Heritage Holding Group of the British Virgin Islands.

Its sole director is Victor Vilches of Florida and its New Zealand address is 69 Ridge Road, Albany an address that is notorious for hosting offshore investment companies. Over 2000 companies have been registered to that address.

Under the website heading "Six ways to earn with FIB", the company appears to offer US$100 incentives for sales agents who sign up new sales agents and clients.

The sales structure moves up in levels to Marketing Master Broker which is said to be "the highest independent level in the FIB Marketing organization" and "a unique income opportunity".

The use of the word "bancorp" in a company name is restricted by the Reserve Bank, and is to be used only by registered banks.

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Reserve Bank warns public

STOCKS NEWS SINGAPORE-Property shares fall after strong data

Singapore's main index edged lower, with property stocks bearing the brunt on market worries the government might come up with new measures to rein in the buoyant residential property sector.

The benchmark Straits Times Index <.FTSTI. Asian markets eased due to euro zone debt woes.

Shares of CapitaLand, Southeast Asia's > was down 0.5 percent to 2,978.1 points, after a higher openlargest property developer, fell 1.4 percent, while its rival City Developments Ltd shed 1.4 percent.

Among gainers, K-REIT Asia gained 3.2 percent to S$0.97, its highest in six months, boosted by a doubling of first quarter distribution per unit and upbeat broker reports.

1405 (0605 GMT)

(Reporting by Harry Suhartono in Singapore;harry.suhartono@thomsonreuters.com)

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13:09 STOCKS NEWS SINGAPORE-Strong property sales heighten policy risk

Brokers expect booming private residential property sales in Singapore, especially in the mass market segment, to result in the government imposing another round of tightening measures.

"The bulk of the strong volumes represent demand for small mass market units that are substantially investment-driven in our view," CIMB Research said.

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STOCKS NEWS SINGAPORE-Property shares fall after strong data

Stocks decline after uninspiring earnings

By msnbc.com news services

Stocks declined Wednesday after uninspiring earnings from IBM and Intel, while Chesapeake Energy sank after a Reuters report highlighted that its CEO has taken out large and unusual personal loans.

Chesapeake Energy fell and was the most actively traded stock on the New York Stock Exchange after a Reuters report that CEO Aubrey K. McClendon did not disclose loans of as much as $1.1 billion over the last three years against his stake in thousands of the company's oil and natural gas wells.

International Business Machines Corp and Intel Corp were among the biggest drags on the Dow. IBM missed its revenue forecast, while investors said Intel's results failed to make a "bull case" for the stock.

The lackluster reports from the two technology heavyweights came at the start of what has so far been a strong earnings season. The S&P 500 had its best day in a month on Tuesday as Coca-Cola Co led the day's round of solid earnings and concerns eased over the euro zone debt crisis.

Bruce Bittles, chief investment strategist at Robert W. Baird & Co in Nashville, Tennessee, expects the market to continue its back-and-forth moves, possibly trending lower in the second quarter after strong gains earlier in the year.

"A consolidation or correction phase in the second quarter would make the most sense, and probably it would be the most healthy thing for the market," he said.

On the earnings front, 22 companies in the S&P 500 were expected to report results on Wednesday, according to Thomson Reuters data. Of the 56 S&P 500 companies reporting through Wednesday morning, 79 percent beat Wall Street's estimates.

"Investors should not overreact to positive news nor should they be overreacting to really what could be viewed as isolated earnings reports. One report does not make a trend, unfortunately," said Tim Speiss, a partner at EisnerAmper in New York.

Yahoo Inc gained ground a day after reporting that quarterly revenues rose in the first quarterly sales growth in three years, as the new CEO outlined plans to revamp the struggling Internet media company.

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Stocks decline after uninspiring earnings

Stocks to Watch: eBay, Qualcomm, Yahoo!

NEW YORK -- eBay EBAY , the online auctioneer, is expected by analysts Wednesday to report first-quarter earnings of 52 cents a share on revenue of $3.15 billion. Think Equity is bullish on eBay, and it is expecting both PayPal and the company's Marketplaces businesses to do well. "We believe eBay will report 1Q12 results that are above our projections on revenue and in line on pro forma earnings per share," said the firm in a preview of eBay's results. "Intra-quarter channel checks across Marketplaces have come back largely positive and we believe the extra shopping day in February and mix-shift to fixed price should help overall growth." Qualcomm QCOM , the wireless chipmaker, is expected to post fiscal second-quarter earnings of 96 cents a share on revenue of $4.84 billion. Five Down-Days Doesn't Make a Bad Apple Yahoo! YHOO posted better-than-expected first-quarter results. Yahoo! earned 23 cents a share on revenue of $1.08 billion. Analysts were expecting profit of 17 cents a share on revenue of $1.06 billion. The Internet company also gave stronger-than-expected second-quarter revenue guidance. On the Yahoo! conference call Tuesday, CEO Scott Thompson announced the company is cutting 50 properties, but didn't say which properties were being unloaded. Thompson was also asked about the sale of its Asian assets, and noted that Yahoo! is "continuing to pursue active discussions with Alibaba." Five Down-Days Doesn't Make a Bad Apple Intel INTC topped Wall Street's first-quarter expectations but forecast a decline in gross margins in the second quarter. Intel reported non-GAAP earnings of $2.9 billion, or 56 cents a share, on revenue of $12.9 billion for the first quarter; analysts were calling for profit of 50 cents a share in the March-ended quarter on revenue of $12.84 billion. For the second quarter ending in June, Intel said it expects revenue of $13.6 billion, plus or minus $500 million, which compares to the current Wall Street consensus view for revenue of $13.45 billion. Gross margin for the second quarter is forecast at between 62%-63% on a non-GAAP basis, a decline from a non-GAAP gross margin of 65.1% in the first quarter. 5 Most Beautiful Cars of All Time IBM IBM missed Wall Street's first-quarter revenue forecast. IBM, on Tuesday, reported revenue of $24.67 billion and earnings of $2.78 a share, compared with $24.6 billion and $2.41 in the same period last year. Analysts surveyed by Thomson Reuters expected IBM to report revenue of $24.77 billion and earnings of $2.65 a share. First Solar Addresses the Past, Future Still a Mess Two components of the Dow Jones Industrial Average issue results on Wednesday: American Express AXP and United Technologies UTX . -- Written by Joseph Woelfel >To contact the writer of this article, click here: Joseph Woelfel >To submit a news tip, send an email to: tips@thestreet.com.

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Stocks to Watch: eBay, Qualcomm, Yahoo!