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by tjh290633
November 12th, 2018, 7:30 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP Today
Replies: 36
Views: 661

Re: HYP Today

Rank EPIC Yield 1 BLT 11.64% I have a holding of BHP Billiton PLC (BLT) but in my case the yield is 5.62%. How do you get over 11.50%? Ian I have worked out the probable level of the special dividend, using the data in the last annual report. Because there may be fewer shares, I am probably pessimi...
by tjh290633
November 12th, 2018, 7:07 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP Today
Replies: 36
Views: 661

Re: HYP Today

As it happens, I decided to do a top-up today. Based on Friday's close, the plan had been to top up BLT, but it rose today, and the second choice WMF fell, so WMH won the day. I probably should have looked at BATS, but it was 5th inm my rankings, so didn't bother to check. Anyway I have another 20% ...
by tjh290633
November 11th, 2018, 7:50 pm
Forum: Beerpig's Snug
Topic: Partner?
Replies: 25
Views: 320

Re: Partner?

It is more complicated these days, as men can have husbands and women wives.

That still grates, I'm afraid.

TJH
by tjh290633
November 11th, 2018, 7:45 pm
Forum: Polite Discussions
Topic: Business Reality verses Project Fear
Replies: 97
Views: 2451

Re: Business Reality verses Project Fear

We have had Graduated Pension and SERPS, in two versions. Both gave you extra pension pro rata to your extra NICs.

TJH ,(happily receiving both)
by tjh290633
November 11th, 2018, 7:39 pm
Forum: Does anyone know?
Topic: 21-11
Replies: 10
Views: 314

Re: 21-11

He might have meant 23-11, which could refer to 11 minutes after 11pm.

TJH
by tjh290633
November 11th, 2018, 7:34 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: VOD to hold dividend...
Replies: 41
Views: 1105

Re: VOD to hold dividend...

It happens a lot when a share goes out of favour. Look at BT.A or PSON for a couple of examples.

Like you say, a CEO who says one thing then does the opposite is likely to fall on his sword

TJH
by tjh290633
November 11th, 2018, 7:26 pm
Forum: Beerpig's Snug
Topic: Partner?
Replies: 25
Views: 320

Re: Partner?

One situation where it comes up is where a widow finds a new mate. If they get married she may lose any pension which comes from her late husband's work. So they live under the brush and become partners. Remember the posslq? Person of opposite sex sharing living quarters. Haven't seen it recently. TJH
by tjh290633
November 11th, 2018, 9:45 am
Forum: Beerpig's Snug
Topic: Officially turning into.....
Replies: 13
Views: 367

Re: Officially turning into.....

And the day after you throw it away, you find that you need it.

TJH
by tjh290633
November 10th, 2018, 10:49 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: P is for Portfolio
Replies: 16
Views: 965

Re: P is for Portfolio

Judge for yourselves: RPI June 1969 = 17.46. RPI Dec 1997 = 160. A factor One of my personal benchmarks for relating prices in the 1960s, in other words before decimalisation is to relate the price in shillings then to the price in pounds today. A 20 times multiplier in other words. Beer at under 3...
by tjh290633
November 10th, 2018, 6:20 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 36
Views: 1029

Re: Alliance Trust Savings taken over by Interactive Investor

The HMRC's proposed system for reporting Self Assessment has only one figure for UK dividends which means that that for a broker to report this they would have to be the only source of dividend income. They do, however, use the National Insurance number which many brokers already have. Yes, I assum...
by tjh290633
November 10th, 2018, 6:03 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: P is for Portfolio
Replies: 16
Views: 965

Re: P is for Portfolio

I think we can reasonably say that any reinvested dividends might be invested at 4 to 5% but how much the compound annual growth rate in dividends (CAGR) will be is difficult to estimate..but is by far the most important factor. I decided to use the recent 5 year data for CAGR for each company weig...
by tjh290633
November 10th, 2018, 2:51 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: P is for Portfolio
Replies: 16
Views: 965

Re: P is for Portfolio

I think we can reasonably say that any reinvested dividends might be invested at 4 to 5% but how much the compound annual growth rate in dividends (CAGR) will be is difficult to estimate..but is by far the most important factor. I decided to use the recent 5 year data for CAGR for each company weig...
by tjh290633
November 10th, 2018, 10:31 am
Forum: Beerpig's Snug
Topic: Officially turning into.....
Replies: 13
Views: 367

Re: Officially turning into.....

My hair looks like my grandfather's, when he was my age, but I do not have the walrus moustache, which he grew during WW1 when Lord Kitchener issued the command "Upper lips will not be shaved". Movember is nothing new. Neither do I roll my own. He used St Julien, and I probably have the od...
by tjh290633
November 10th, 2018, 10:16 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: P is for Portfolio
Replies: 16
Views: 965

Re: P is for Portfolio

That makes the fundamental error of asking how much capital you need, rather than how much income you need. Not necessarily. Those questions can also be framed here in terms of future income needed. Fixing an expected rate of growth and a time to draw it enables one to discount (estimate) to presen...
by tjh290633
November 9th, 2018, 6:56 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: P is for Portfolio
Replies: 16
Views: 965

Re: P is for Portfolio

That makes the fundamental error of asking how much capital you need, rather than how much income you need.

I've always maintained that the best way is to build a flow of income and reinvest it until it is time to draw it. Others take the contrary view, but I prefer my way.

TJH
by tjh290633
November 9th, 2018, 11:22 am
Forum: Brokers and Share Dealing
Topic: Which online self select ISA?
Replies: 7
Views: 208

Re: Which online self select ISA?

The world is your oyster.

Halifax is an obvious choice. I'm with Lloyds Direct banking, which is a clone of Halifax, as are others.

Barclays seems to be one to avoid.

TJH
by tjh290633
November 8th, 2018, 7:18 pm
Forum: Portfolio Management & Review
Topic: No-look November 2018
Replies: 46
Views: 2786

Re: No-look November 2018

In terms of share-prices, I won't seek them out during this four-week period, as I think that would constitute a breach in the spirit of the attempt, and this is something I'm very keen to include in this period, simply because it's something else I think I probably do too much of, and importantly ...
by tjh290633
November 8th, 2018, 6:56 pm
Forum: Portfolio Management & Review
Topic: No-look November 2018
Replies: 46
Views: 2786

Re: No-look November 2018

Do you mean that you are reading IDP's RNS resumes on HYP Practical? Surely that is cheating? It's not clear who you're asking Terry, but I certainly wouldn't advocate a complete investment-news black-out being necessary for involvement in the ' No-Look-November ' process. I've not gone out to acti...
by tjh290633
November 8th, 2018, 9:06 am
Forum: Biscuit Bar
Topic: Formatting tables nicely
Replies: 5
Views: 200

Re: Formatting tables nicely

A further comment on your problem with [ pre]..[/ pre], I suspect that you are trying to construct your table as you are writing. If you have it in a spreadsheet, just copy it into the text box. The columns will align without your intervention. The only problem is a blank column in the header row, w...
by tjh290633
November 7th, 2018, 11:19 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Marks & Spencer Half Yearly Report
Replies: 16
Views: 615

Re: Marks & Spencer Half Yearly Report

I guess that we can judge the performance of MKS in the fashion side by reference to Debenhams and others, and on the food side by comparison with Waitrose. Maybe the JLP overall? From what I have seen, Lidl are on another planet, but maybe I've been to the wrong branches. I inherited MKS from my mo...

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