Search found 596 matches

by SalvorHardin
August 21st, 2019, 2:54 pm
Forum: Polite Discussions
Topic: Some good news for a change
Replies: 16
Views: 370

Re: Some good news for a change

Is that experts in general (like doctors, who don't always get things right either) or just those they disagree with? I doubt whether most of these people know whether these 'experts' have been wrong more times than they've been right or not. Do you think they study economics on an ongoing basis? W...
by SalvorHardin
August 21st, 2019, 1:00 pm
Forum: Polite Discussions
Topic: Some good news for a change
Replies: 16
Views: 370

Re: Some good news for a change

Do you have a link for those forecasts? They were well publicised at the time since it was the Treasury's own forecasts. There's a link to the Treasury report in the BBC article: "Leaving the European Union would tip the UK into a year-long recession, with up to 820,000 jobs lost within two ye...
by SalvorHardin
August 21st, 2019, 12:50 pm
Forum: Retirement Investing (inc FIRE)
Topic: "Keep two years' expenditure in cash"
Replies: 17
Views: 958

Re: "Keep two years' expenditure in cash"

What does this mean in practice? Hold cash in a sipp (often at 0%)? Would a bond etf be close enough to cash? Or is the slowly-eroding value of the cash a price worth paying for the reduction of market risk? I take the view that it's a mixture of cash, short-term deposits and highly liquid investme...
by SalvorHardin
August 21st, 2019, 11:56 am
Forum: Polite Discussions
Topic: Some good news for a change
Replies: 16
Views: 370

Re: Some good news for a change

If we look a bit closer at the reported figure, this represents: "average prices slipping about 3% nationally in the ensuing six months and as much as 10% in London, a Reuters poll of housing experts found. " https://uk.reuters.com/article/uk-britain-property-poll/house-prices-would-flound...
by SalvorHardin
August 19th, 2019, 5:11 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Greene King - SOLD!
Replies: 103
Views: 2639

Re: Greene King - SOLD!

Interesting that Marstons have just risen 8.9% as well! Seems a tad optimistic - are people buying hoping they'll be bought out too? :? Or maybe hoping they'll have less competition if the new owners concentrate on the real estate rather than the brewing. This invariably happens whenever there is a...
by SalvorHardin
August 18th, 2019, 6:32 pm
Forum: Polite Discussions
Topic: Tory thinktank - state pension age should rise to 75
Replies: 86
Views: 1383

Re: Tory thinktank - state pension age should rise to 75

Anecdote - a friend of mine is a former teacher and, upon retiring, her income actually went up because her pension was higher than her salary. How so? I've never heard of any ordinary Defined Benefit pension where the pension earning rate was say n/40 or n/30 or higher! This can happen when the pe...
by SalvorHardin
August 17th, 2019, 6:43 pm
Forum: How Do I Invest
Topic: Investment information sources for research
Replies: 12
Views: 461

Re: Investment information sources for research

People who are into American and Canadian shares should consider Seeking Alpha and The Motley Fool. That's the original Motley Fool, fool.com, which is more extensive than TMF UK ever was. They have the old TMF boards' structure. I've been using TMF USA since the late 1990s, a year before discoverin...
by SalvorHardin
August 16th, 2019, 6:39 pm
Forum: Computers, TVs & Phones
Topic: Fire tablet or anything better?
Replies: 12
Views: 669

Re: Fire tablet or anything better?

I've had a Samsung Galaxy A 10.1 for a couple of years and use it in preference to my Amazon FIre 8 most of the time. I'm firmly in the Android camp. Being able to expand the memory with SD cards and having a USB connection trumps the iPad (which has neither). For me the problem with Amazon's tablet...
by SalvorHardin
August 13th, 2019, 8:38 am
Forum: How Do I Invest
Topic: LTI - Lindsell Train Investment Trust PLC - What's going on
Replies: 22
Views: 2057

Re: LTI - Lindsell Train Investment Trust PLC - What's going on

Thanks for highlighting Brookfield Asset Management (BAM) again. I know from some of your previous posts that you rate BAM as a stock well worth investigating for those who are interested in diversifying their portfolio. The drawback for me as an investor is that I don't live in the UK and cannot b...
by SalvorHardin
August 13th, 2019, 7:04 am
Forum: How Do I Invest
Topic: LTI - Lindsell Train Investment Trust PLC - What's going on
Replies: 22
Views: 2057

Re: LTI - Lindsell Train Investment Trust PLC - What's going on

Whereas Train seeks qualitative factors, as does Terry Smith, and I have far more confidence that that is a non-cylical trend. Those two guys invest like I do, only better. And you rarely get a chance to be on the inside for those types of operations. Try buying into Fidelity or Vanguard for instan...
by SalvorHardin
August 11th, 2019, 2:56 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HSBC the Future
Replies: 34
Views: 1846

Re: HSBC the Future

There's an excellent article in this week's Economist, which is broadly very positive on HSBC and Mark Tucker. It's behind a paywall, so I won't link to it, but for those with Economist access, well worth a read. (It could be that the Economist allows a set number of free reads, of course -- I don'...
by SalvorHardin
August 10th, 2019, 8:34 pm
Forum: Computers, TVs & Phones
Topic: How do I stop my computer from listening to me
Replies: 18
Views: 612

Re: How do I stop my computer from listening to me

uBlock Origin is much better and doesn't have a list of advertisers that they whitelist. I know that you can turn that off, but the very existence of it worries me. Thanks. The blocker I use is the Firefox "Adblock Plus" add-on, not ad-aware (which my friend prefers). One thing I've done ...
by SalvorHardin
August 10th, 2019, 5:19 pm
Forum: Computers, TVs & Phones
Topic: How do I stop my computer from listening to me
Replies: 18
Views: 612

Re: How do I stop my computer from listening to me

A friend, who is a lot more paranoid than me, recommends the following: 1) Don't use Facebook. Seriously. That thing is surveillance central. If you have to use it keep your use to a minimum and do lots of random stuff with it so that your feed and adverts get a bit confused. Facebook's track record...
by SalvorHardin
August 10th, 2019, 11:51 am
Forum: Polite Discussions
Topic: Boris Johnson PM - how it's going?
Replies: 561
Views: 11254

Re: Boris Johnson PM - how it's going?

That statement is empirically false. Since the referendum the pound has depreciated by around 30% and our exports haven’t risen. Why do you think the next 30% of depreciation will have a different impact? Please. Enough of the sweeping statements. Look at the facts. You mean the fact that your stat...
by SalvorHardin
August 6th, 2019, 1:15 pm
Forum: Polite Discussions
Topic: Boris Johnson PM - how it's going?
Replies: 561
Views: 11254

Re: Boris Johnson PM - how it's going?

But Sturgeon has nothing to do with why a significant minority of Welsh and Irish are also not keen on us. Speaking as a Welshman, the minority in Wales isn't large. In February 2019 the BBC polled about Welsh independence and only 7% wanted it, support has been below 10% for ages. https://www.bbc....
by SalvorHardin
August 6th, 2019, 9:51 am
Forum: High Yield Shares & Strategies - general
Topic: what I have learnt...
Replies: 10
Views: 1163

Re: what I have learnt...

For regular investing using your dividends, what about investment trust monthly savings plans? I have three, investing £1,500 per month. The fixed management fees (e.g. BMO (what used to be F&C) £48 per year) can be a major deterrent for investors making relatively small monthly investments, but...
by SalvorHardin
August 4th, 2019, 12:45 pm
Forum: Polite Discussions
Topic: No deal preparations
Replies: 26
Views: 772

Re: No deal preparations

Does anybody have a log of all the things that have been attributed to Project Fear ? It will be interesting, assuming we do leave on 31st October, to come back after a year and compare the warnings and denials with the first year of reality. Could be helpful to look back at what people thought ver...
by SalvorHardin
August 1st, 2019, 1:30 pm
Forum: Polite Discussions
Topic: Independence referendum for England.
Replies: 13
Views: 406

Re: Independence referendum for England.

Personally I think it would be easier to have a UK-wide referendum on Scottish Independence and the Reunification of the Island of Ireland, would possibly have the same result ;) I would not suggest this for Wales as there seems ro be a healthy majority for being linked to England, plus we go there...
by SalvorHardin
July 31st, 2019, 8:52 am
Forum: Macro and Global Topics
Topic: Is the S&P500 due a correction anytime soon?
Replies: 11
Views: 745

Re: Is the S&P500 due a correction anytime soon?

Disney looks pretty decent on a PE of 16.3 even after its near-40% rise this year How did you guess?!! That's one of my main areas of research. Their numbers have I've looked at do look very good. Great minds think alike :D Seriously though Disney has a lot going for it. Its share price hadn't done...
by SalvorHardin
July 30th, 2019, 8:06 pm
Forum: Macro and Global Topics
Topic: Is the S&P500 due a correction anytime soon?
Replies: 11
Views: 745

Re: Is the S&P500 due a correction anytime soon?

Folk with the patience to wait and then enter slowly often validate the Buffett thesis that the stock market exists to take money from the impatient and give it to the patient, but the fact that there are not lots of stock market millionaires indicates that most of us are not good at doing this. It...

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