I use UTF-8 on all my pages, but some Swedish characters (å ä and ö) get messed up (just a square box with some letters in). My database is set to utf8_gener
This is pretty old but I came across the same problem and I thought I would share the solution. Make sure your text editor is saving the file as utf-8 encoded. It isn't enough to just set the encoding scheme in the meta-data to utf-8.
This is how it works in dreamweaver:
1) Click on Modify on the top panel of the window. 2) Select Page Properties 3) Select Title/Encoding 4) Set the encoding scheme to UTF-8
Hope this helps.