Analysts at UBS predicted that BT's chief executive Philip Jansen would cut the dividend by a third.
A former adviser to Barack Obama and now chief economist at Allianz, El-Erian said he was concerned by the rise in harder-to-sell or 'illiquid' investment funds.
Tradesmen could previously list their personal phone numbers and email addresses on their Checkatrade pages for customers to contact them.
It is the fourth batch of closures by Lloyds this year and means 112 have been announced in dribs and drabs rather than all in one move.
Britons who left US as children being chased by their banks for a US tax ID they do not have