Search found 1657 matches

by GoSeigen
September 15th, 2019, 8:08 pm
Forum: Sports Bar (all sports)
Topic: Poor old Fort William FC
Replies: 44
Views: 3516

Re: Poor old Fort William FC

Snorvey wrote:I'm not sure there's much else to add to this thread now.


Er, that Lossiemouth are now below Fort William??

;-)

GS
by GoSeigen
September 15th, 2019, 7:52 pm
Forum: Does anyone know?
Topic: Stupidly cheap car hire - how does this work?
Replies: 11
Views: 533

Re: Stupidly cheap car hire - how does this work?

We're heading off to Majorca for 10 days and I'm looking at car hire on HolidayAutos. It shows that I can hire a car from a few companies at £28 to £35 for the WHOLE TEN DAYS. How does that work? Are they companies that have a glut of cars available after the main summer holidays and want to get SO...
by GoSeigen
September 15th, 2019, 6:55 pm
Forum: Property Investment Discussions
Topic: Selling a house with tenants, but no contracts
Replies: 19
Views: 1003

Re: Selling a house with tenants, but no contracts

Has the property got a valid EICR certificate? https://www.rla.org.uk/landlord/guides/responsibilities/electrical_inspections.shtml If your property is a house in multiple occupation (HMO) then it is a legal requirement to have an electrical safety inspection performed at intervals of no more than ...
by GoSeigen
September 15th, 2019, 7:31 am
Forum: Property Investment Discussions
Topic: Selling a house with tenants, but no contracts
Replies: 19
Views: 1003

Re: Selling a house with tenants, but no contracts

What an over complicated can of worms letting is! If I have this right, I can serve form 6a to tenants: https://www.gov.uk/guidance/assured-tenancy-forms#form-6a for a Section 21 (no fault) notice. In this case, as I am obtaining probate, am I right in saying that I am the landlord's agent rather t...
by GoSeigen
September 8th, 2019, 6:07 am
Forum: Property Investment Discussions
Topic: Selling a house with tenants, but no contracts
Replies: 19
Views: 1003

Re: Selling a house with tenants, but no contracts

The condition is not great and really only just meets the standards required by the council and fire regulations. I think my uncle did as little maintenance as he could get away with. In that case best to sell vacant in my opinion. If only because buyers WILL want to see in all the rooms to underst...
by GoSeigen
September 8th, 2019, 5:36 am
Forum: Property Investment Discussions
Topic: Special Purpose Vehicle Limited Company and property investment
Replies: 10
Views: 1042

Re: Special Purpose Vehicle Limited Company and property investment

In that case you should borrow against the property. Interest is deductible against income for corporation tax purposes. Just because it’s at all time highs (subject to a few regional variations), we’re going into a recession and the deluge of sales from BTL goons just waking up to the tax changes ...
by GoSeigen
September 2nd, 2019, 4:36 pm
Forum: Gilts and Bonds
Topic: Government Bond questions
Replies: 14
Views: 1673

Re: Government Bond questions

Today I took the chance of switching some 10-year gilts into long-dated gilts. The yield spread at 0.8% is at its widest since late 2013. Probably too early for this trade but portfolio is loaded with shares so it's a decent hedge. If yields fall back to 2016 levels long gilt prices will rise some ...
by GoSeigen
August 30th, 2019, 6:23 pm
Forum: Investment Strategies
Topic: Share buybacks: a beautiful thing
Replies: 96
Views: 3376

Re: Share buybacks: a beautiful thing

If the company wishes to reduce the number of its shares, then surely a return of capital to the shareholders, coupled with a share consolidation, is a far more satisfactory and equitable method. ?? Maybe a company like Lloyds doesn't want to return capital to its preference shareholders or cannot....
by GoSeigen
August 29th, 2019, 10:17 pm
Forum: Credit Cards and Loans
Topic: Halifax Clarity: foreign currency withdrawals
Replies: 18
Views: 874

Re: Halifax Clarity: foreign currency withdrawals

I was gouged at Budapest airport with no option as to which currency to pay for your cash. I just entered a number of Forints, and only when I got home did I discover the rate was poor. Even though you said Forints, that sounds more like the situation where the ATM gives you the amount as per their...
by GoSeigen
August 29th, 2019, 7:50 pm
Forum: Investment Strategies
Topic: Share buybacks: a beautiful thing
Replies: 96
Views: 3376

Re: Share buybacks: a beautiful thing

If the company wishes to reduce the number of its shares, then surely a return of capital to the shareholders, coupled with a share consolidation, is a far more satisfactory and equitable method. ?? Maybe a company like Lloyds doesn't want to return capital to its preference shareholders or cannot....
by GoSeigen
August 29th, 2019, 7:08 pm
Forum: Gilts and Bonds
Topic: Pref shares and bonds that are still paying
Replies: 28
Views: 2617

Re: Pref shares and bonds that are still paying

OwenSwansea wrote:It is interesting to note that no one can think of any logical reason why capital raised in the form of Preference Shares will not be countable as solvency capital after 2026.

Owen.


It is interesting to note you cannot be bothered to DYOR.

GS
by GoSeigen
August 28th, 2019, 6:32 pm
Forum: Credit Cards and Loans
Topic: Halifax Clarity: foreign currency withdrawals
Replies: 18
Views: 874

Re: Halifax Clarity: foreign currency withdrawals

JohnB wrote:I was gouged at Budapest airport with no option as to which currency to pay for your cash. I just entered a number of Forints, and only when I got home did I discover the rate was poor.


Using a Clarity Card?


GS
by GoSeigen
August 22nd, 2019, 6:41 am
Forum: Credit Cards and Loans
Topic: Halifax Clarity: foreign currency withdrawals
Replies: 18
Views: 874

Re: Halifax Clarity: foreign currency withdrawals

I'm thinking of applying for a Clarity card with the aim of keeping the account in credit and withdrawing cash during several weeks overseas (specifically EUR in Tenerife). Hopefully keeping the account in credit would eliminate any interest charges, and I would hope to benefit from a good exchange...
by GoSeigen
August 22nd, 2019, 6:25 am
Forum: Gilts and Bonds
Topic: Pref shares and bonds that are still paying
Replies: 28
Views: 2617

Re: Pref shares and bonds that are still paying

Gan020, Hiriskpaul has pointed out to us on many occasions that yields on UK Gilts and UK Prefs. are not related, and he seems to know what he is talking about. Owen. hiriskpaul has never said this. He has often said that interest rates and preference share yields are uncorrelated but that is an en...
by GoSeigen
August 15th, 2019, 12:12 pm
Forum: Mining & Metals
Topic: Gold in Sterling Within £10 of Record High
Replies: 17
Views: 1553

Re: Gold in Sterling Within £10 of Record High

I like the idea of periodic updates on the price of Gold being posted here. Gold is now at $1529. GS Yes, it's going well. Whilst being tempted to take some profit off the table, I think I will stick with my holding (SGLN) until at least 31st October (Brexit day) and see what the situation is then....
by GoSeigen
August 14th, 2019, 7:48 pm
Forum: Mining & Metals
Topic: Gold in Sterling Within £10 of Record High
Replies: 17
Views: 1553

Re: Gold in Sterling Within £10 of Record High

I like the idea of periodic updates on the price of Gold being posted here. Gold is now at $1529. GS Yes, it's going well. Whilst being tempted to take some profit off the table, I think I will stick with my holding (SGLN) until at least 31st October (Brexit day) and see what the situation is then....
by GoSeigen
August 14th, 2019, 7:33 pm
Forum: Mining & Metals
Topic: Gold in Sterling Within £10 of Record High
Replies: 17
Views: 1553

Re: Gold in Sterling Within £10 of Record High

richfool wrote:I like the idea of periodic updates on the price of Gold being posted here.


Gold is now at $1529.

GS
by GoSeigen
August 12th, 2019, 4:11 pm
Forum: Mining & Metals
Topic: Gold in Sterling Within £10 of Record High
Replies: 17
Views: 1553

Re: Gold in Sterling Within £10 of Record High

And the move goes on: sterling-priced bullion has topped £1,235/ounce today, after breaking above £1,200/oz at the start of the week. Up 6% in August already. (All according to investing.com.) If you don't mind my saying so: there are plenty of web sites that publish gold spot prices. Posting just ...
by GoSeigen
August 12th, 2019, 4:06 pm
Forum: Other Investing
Topic: What is the biggest hurdle stopping newcomers purchasing their first Bitcoin?
Replies: 17
Views: 2931

Re: What is the biggest hurdle stopping newcomers purchasing their first Bitcoin?

Perhaps this question belongs more to the realm of the psychology of investors. It does, however, intrigue me as I'm interested in that aspect of investing and human behavior in general. Moved from Investment Strategies to Other Investing (leaving a link). - Chris Well, if you can accept th...
by GoSeigen
August 8th, 2019, 4:47 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HSBC Interim highlights.
Replies: 33
Views: 2373

Re: HSBC Interim highlights.

NeilW wrote: Doubling down your winners into higher yield shares is inevitably going to concentrate the risk on the losing side.



Which is EXACTLY what I want to do as an investor, because profit comes from taking risk, not avoiding it.

GS

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