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by GoSeigen
November 19th, 2019, 11:30 am
Forum: Credit Cards and Loans
Topic: Error in Calculation of Credit Card Interest?
Replies: 1
Views: 77

Re: Error in Calculation of Credit Card Interest?

Unless I'm missing something, it does seem rather odd that M&S's interest charge is so much higher than the one I have calculated. If anyone has any ideas or an explanation for this then I'd be happy to hear them. I would also add: there was no interest showing on the earlier September statemen...
by GoSeigen
November 18th, 2019, 12:50 pm
Forum: Computers, TVs & Phones
Topic: Ipad deletes tabs when switched off
Replies: 4
Views: 130

Re: Ipad deletes tabs when switched off

Most annoyingly the Ipad Air2 closes all tabs when the machine is switched off. This is with Safari. Apparently it is since a recent system update. I have a dozen tabs open for various websites and lost them all. I switch off at night to save battery but now no longer. -Check your settings in "...
by GoSeigen
November 14th, 2019, 8:40 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1759

Re: HYP1 is 19 - thread discussing income and capital diversification

I continue to believe that the developing concentration-risks to income and capital of taking such an approach Yet after 19 years there is no evidence of the manifestation of this theoretical risk , and in that time we had the biggest financial crisis since 1929. 19 years is a retirement. You retir...
by GoSeigen
November 12th, 2019, 8:22 am
Forum: Airport Lounge
Topic: Credit Card Inaction
Replies: 14
Views: 1718

Re: Credit Card Inaction

£209.99 is not exactly a fortune by most people's standards although if it is for you I am sorry. I hope that the matter is resolved pretty soon. Dod £209.99 is about one month's wages for my employees. Median per-capita income worldwide is about £190 per month. "most rich people's standards&q...
by GoSeigen
November 11th, 2019, 8:17 am
Forum: Bank Accounts Savings & ISAs
Topic: Cash in a self-select ISA
Replies: 9
Views: 578

Re: Cash in a self-select ISA

It's a "pull" process. You have to get a form from the cash ISA provider which you fill in with the details of your SS ISA and return to the cash ISA provider. They will then "pull" the funds from the SS ISA. ... and you then often wait for a month for the transfer to happen and...
by GoSeigen
November 6th, 2019, 5:13 am
Forum: Investment Strategies
Topic: Election impact on investment strategy
Replies: 89
Views: 3367

Re: Election impact on investment strategy

It’s common knowledge that the markets do better under Tory governments than they do under Labour. That is merely the assumption of some Tory voters and their supporting media. The Tories have made the most almighty hash-up of the economy since 2010 and are on track for highest levels of government...
by GoSeigen
November 4th, 2019, 7:00 pm
Forum: Beerpig's Snug
Topic: Eng V SA
Replies: 19
Views: 1181

Re: Eng V SA

AsleepInYorkshire wrote:It's a Kolisi moment. It's a moment for us all.
AiY


Yep, a moment of shame, and about 50 years too late, if not more.


GS
by GoSeigen
November 1st, 2019, 8:02 pm
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: Storage stuff
Replies: 19
Views: 2289

Re: Storage stuff

Au contraire, Monsieur dspp as they probably don't say in France. We are saying the same thing. 200MW on the left picture is an instantaneous power measurement. 200MW/hours is energy storage/consumption measurement because it factors the MWs over time. So - from a 200MW/hour array you can indeed re...
by GoSeigen
November 1st, 2019, 7:58 pm
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: Storage stuff
Replies: 19
Views: 2289

Re: Storage stuff

Correct. The graphic is wrong. It is impossible to deliver 500WWh from a 200MWh storage array. You CAN delivery 500MW from the 200MWh array but for 2/5ths of an hour. Personally I can't see anything wrong with the graphic. It simply says that 200MW of power has come on-stream in 2018, drawn from to...
by GoSeigen
November 1st, 2019, 7:11 am
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: Storage stuff
Replies: 19
Views: 2289

Re: Storage stuff

Can't help being confused dot com here. On the left it shows about 210 MW of storage, if that ran for one hour it would yield 210 MW/hours of storage. So, how come the right hand picture clearly shows around 500 MW/hours capacity? -The left chart shows power capacity: this is the total power that c...
by GoSeigen
October 29th, 2019, 8:30 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: BP. 3rd Quarter Results
Replies: 3
Views: 591

Re: BP. 3rd Quarter Results

idpickering wrote:Also from the results;

Dividends payable



Cor, nice cash generation, but I wish there were more shareholders to share the dividends with!

;-)

GS
by GoSeigen
October 29th, 2019, 8:25 am
Forum: Beerpig's Snug
Topic: We orignate from Botswana
Replies: 2
Views: 775

Re: We orignate from Botswana

AsleepInYorkshire wrote:Origin of modern humans 'traced to Botswana'


Hmm a recent DNA test put some of my ancestors in Benin/Togo area which I think is a bit north of Botswana. They probably migrated there from Botswana for a better lifestyle...

GS
by GoSeigen
October 29th, 2019, 8:21 am
Forum: Beerpig's Snug
Topic: Once bitten twice shy
Replies: 1
Views: 711

Once bitten twice shy

Got a wonderful email this morning written on First Direct letterhead offering "Service Loans" which included this gem: We give out loans of any amount notwithstanding your social credit report provided you are well capable of making the repayments as scheduled, which is why our service is...
by GoSeigen
October 24th, 2019, 6:46 am
Forum: Investment Strategies
Topic: Margin account buy dividend stocks
Replies: 27
Views: 2511

Re: Margin account buy dividend stocks

I'm quite sure it's correct. The 'dummy ' starting capital is £10k and the daily interest bounces around the £4.30 Mark and has done since it started. Your exposure is not £10k, as hiriskpaul alluded. It is maybe 10 times this much, if your margin requirement is 10%. Thus you might hold positions i...
by GoSeigen
October 24th, 2019, 6:36 am
Forum: Beerpig's Snug
Topic: Prince William ‘worried’ about Harry’s mental health
Replies: 38
Views: 2137

Re: Prince William ‘worried’ about Harry’s mental health

I must read the right papers; I hadn't read a word about that and find it difficult to believe. They both always look so happy and William seems far to nice and sensible to betray his lovely wife and children. Why on earth would he want to? Who could be better from every point of view than Kate? LO...
by GoSeigen
October 23rd, 2019, 7:04 pm
Forum: Gilts and Bonds
Topic: Problems trading SKIP
Replies: 36
Views: 3114

Re: Problems trading SKIP

Reply from HL: The Skipton 12.875% Permanent Interest Bearing Shares are not held in CREST as they are traded in certification form. However it is our dealing system that trades in the certificates, not you as a client. Therefore if you were looking to deal in this holding you can still do so eithe...
by GoSeigen
October 23rd, 2019, 6:51 pm
Forum: Company Analysis
Topic: Lloyds: Net CFO negative for 2017, 2018
Replies: 9
Views: 1177

Re: Lloyds: Net CFO negative for 2017, 2018

Ok. Sure I totally agree, with this. However, the creation of the capital, e.g. the bonds, surely result in a liability for the banks? I note Notes 29 and 30 from LBGs AR2018 I *think* refer to bonds of the kind you refer - which are present on the liability of the BS. Absolutely they are a liabili...
by GoSeigen
October 21st, 2019, 6:52 pm
Forum: Company Analysis
Topic: Lloyds: Net CFO negative for 2017, 2018
Replies: 9
Views: 1177

Re: Lloyds: Net CFO negative for 2017, 2018

Sorry, not 100% clear there. Yes I'm talking about the principal part of the repayments which is growing as a proportion of total payment because the loan size is decreasing. I'm guessing there will be two effects: first, continued subdued lending compared to when these mortgages were issued (in th...
by GoSeigen
October 21st, 2019, 10:24 am
Forum: Gilts and Bonds
Topic: Wasps Consent Solicitation
Replies: 14
Views: 3362

Re: Wasps Consent Solicitation

Inexplicably the bond price is still holding up so a chance to get out if any holders need to e.g. if you invested because you thought this would be a "safe" or "steady" source of income -- it is not. Very little comment on the ongoing collapse of the Wasps bond price. Hopefully...
by GoSeigen
October 20th, 2019, 5:01 pm
Forum: Company Analysis
Topic: Lloyds: Net CFO negative for 2017, 2018
Replies: 9
Views: 1177

Re: Lloyds: Net CFO negative for 2017, 2018

Bank operations should be strongly cash generative over the coming years as mortgage amortisation payments accelerate. What do you mean by this? Are you just referring to as home-owners repay? (But as an aside, won't strictly well behaved retail banks be struggling a bit in these low interest days,...

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