Search found 142 matches

by GJHarney
February 18th, 2019, 10:44 am
Forum: Bitter Lemons
Topic: Slowing speed of road building
Replies: 10
Views: 1089

Slowing speed of road building

After a year, a 1 km dual carriageway link road being built near Preston is now around halfway done we are told by the council. If that is the case it will likely have taken around the same amount of time to build as the first UK motorway in the UK which happened to be the Preston by-pass (now park ...
by GJHarney
February 18th, 2019, 7:59 am
Forum: The Meaning of Life
Topic: The Necessity of Virtue
Replies: 2
Views: 1405

Re: The Necessity of Virtue

He always comes across as a self-satisfied rather ignorant person to me. His grasp of history and politics is weak, while his 'philosophy' is a combination of self-evident commonplace parables and superficial analysis of human development. His concept of the evils of 'cultural Marxism' are hilarious...
by GJHarney
January 20th, 2019, 10:37 pm
Forum: Food
Topic: Pots/Pans
Replies: 22
Views: 1336

Re: Pots/Pans

Far too late in my cooking life (and after constant disappointment with non-stick coatings) I discovered spun iron, half the weight of its cast cousin, can be used on all hobs, very easy to maintain excellent non-stick properties and very hard wearing, and best of all you can get good value quality ...
by GJHarney
January 15th, 2019, 10:39 pm
Forum: Investment Trusts and Unit Trusts
Topic: Witan giving up admin of Savings schemes
Replies: 14
Views: 1975

Re: Witan giving up admin of Savings schemes

Unhappy news, the number of low cost IT direct investment trusts are diminishing steadily. I always found the the biggest advantage of these was the regular monthly fire and forget savings with effectively free dividend reinvestment (as it was included in that month's fund deposit), and for smaller ...
by GJHarney
October 4th, 2018, 6:41 am
Forum: Food
Topic: Vegan October
Replies: 25
Views: 2140

Re: Vegan October

I've been a veggie for many years, but would struggle to go vegan (the cheese, the cheese!), although I get all the arguments on animal welfare. But to help the OP this week I found myself in a Marstons pub, and while I normally don't like the big pub chains and the food they serve I was very impres...
by GJHarney
October 3rd, 2018, 7:19 pm
Forum: The Meaning of Life
Topic: Evolution and religion are incompatible. True or false?
Replies: 41
Views: 2777

Re: Evolution and religion are incompatible. True or false?

This is a quiz question on the BBC website. Without looking at what they say is correct, what do you think? If it is religion in a generic sense of belief then no, not at all, religious ideas will always adapt to their material (historical/social) context, one example being the current Pope who has...
by GJHarney
October 3rd, 2018, 6:49 pm
Forum: Investment Trusts and Unit Trusts
Topic: Independent Investment Trust
Replies: 6
Views: 1267

Re: Independent Investment Trust

It's been one of my best performers in recent years, better than Scottish Mortgage I think, and best of all it has a very reasonable ongoing charge cost of 0.25%

I will be looking at a top up now the premium has fallen finally ;)
by GJHarney
June 26th, 2018, 6:39 pm
Forum: Investment Trusts and Unit Trusts
Topic: IC recommends taking profits on Lindsell Train before premium collapses
Replies: 4
Views: 1316

Re: IC recommends taking profits on Lindsell Train before premium collapses

I think Nick Train himself said don't buy it a while back. Yes, he said it a few years ago. It has gone up massively since though, so his advice is not always to be obeyed perhaps! The problem I suspect for many small investors that have done very well out of LTI (myself included) is that given the...
by GJHarney
June 26th, 2018, 6:34 pm
Forum: Investment Trusts and Unit Trusts
Topic: Savings for Grandkids
Replies: 10
Views: 1032

Re: Savings for Grandkids

You need to take into account costs and ease of use/access down the line for people that may not be investing anoraks. Many platforms will have high charges for smaller IT holdings and you pay highly for small dividend reinvestment (£1.50 is common, but if the amount is not high then that as a perce...
by GJHarney
February 7th, 2018, 10:02 pm
Forum: Investment Trusts and Unit Trusts
Topic: IPO - JPMORGAN MULTI-ASSET TRUST PLC
Replies: 3
Views: 717

IPO - JPMORGAN MULTI-ASSET TRUST PLC

Launching later this month - [url][https://am.jpmorgan.com/gb/en/asset-management/gim/adv/products/investment-trusts/jpm-multi-asset-trust-plc/url] I like the look of this in terms of some IT diversification, however equally I'm struggling to see the need to buy in to the IPO as I can't see it being...
by GJHarney
February 1st, 2018, 5:46 pm
Forum: Investment Trusts and Unit Trusts
Topic: From gobbledygook to Latin...
Replies: 5
Views: 603

From gobbledygook to Latin...

Good article from the Telegraph on new EU rules for funds relating to costs - it would seem they are so badly conceived that some tracker funds are ending up with a minus figure for the new ongoing costs figures! http://www.telegraph.co.uk/investing/funds/gobbledygook-latin-new-eu-rules-make-harder-...
by GJHarney
January 23rd, 2018, 7:10 pm
Forum: Investment Trusts and Unit Trusts
Topic: Fundsmith - Terry Smith commentary.
Replies: 77
Views: 11120

Re: Fundsmith - Terry Smith commentary.

I like his holdings and investment style very much, his personality doesn't bother me, but I would not invest in Fundsmith for two reasons. First his ongoing charges are way too high. Disgustingly high in my opinion. And while the 'hidden' charges should be a lot lower then some other funds due to t...
by GJHarney
January 11th, 2018, 7:31 pm
Forum: Investment Trusts and Unit Trusts
Topic: Taliesin
Replies: 0
Views: 309

Taliesin

Anyone else hold this one? Small specialist Berlin domestic property IT (a lot of profits still to be had from developing and selling on residential blocks in the former east of the city). It has had a barnstorming performance (I'm up around 125% in a couple of years) but is being proposed to be bro...
by GJHarney
January 11th, 2018, 7:16 pm
Forum: Investment Trusts and Unit Trusts
Topic: 'Cautious' IT
Replies: 4
Views: 1382

Re: 'Cautious' IT

Well it depends on what you (or your in-law) view as 'cautious'. Are we talking established global equity IT's (in which case there are some very good options), or bond-heavy ones (in which case there are not that many)? If you what some stable general global funds then the likes of Witan, F&C, ...
by GJHarney
January 4th, 2018, 11:36 am
Forum: Investment Trusts and Unit Trusts
Topic: Manchester & London MNL
Replies: 8
Views: 1642

Re: Manchester & London MNL

Well I invested, and look what happened: Discount closed, and ended up one of the best performing ITs in 2017. I actually think this may end up trading at a premium. Yep, me too, I invested last Feb, today I am showing a 41.54% return in that 11 months, while the discount has narrowed to only -1.3%...
by GJHarney
January 4th, 2018, 11:27 am
Forum: Investment Trusts and Unit Trusts
Topic: Looking for an Africa focused IT (or ETF)
Replies: 5
Views: 1000

Re: Looking for an Africa focused IT (or ETF)

http://www.thisismoney.co.uk/money/investing/article-1648976/New-Star-suspends-dealing-in-Africa-fund.html Then this happened - http://www.thisismoney.co.uk/money/investing/article-1663665/New-Star-to-wind-up-Heart-of-Africa-fund.html Does anyone also remember how our "friends" at Hargrea...
by GJHarney
January 2nd, 2018, 8:25 pm
Forum: Investment Trusts and Unit Trusts
Topic: Views on proposed income IT portfolio
Replies: 32
Views: 2762

Re: Views on proposed income IT portfolio

I would find room for the Acorn Income Fund (AIF) as it is an interesting mix of 70-80% smaller cap UK eqities and 20-30% international fixed interest (often currency hedged). Current yield of around 4%, but it has had significant overall capital growth too for many years and in my experience as a l...
by GJHarney
December 31st, 2017, 2:18 pm
Forum: Investment Trusts and Unit Trusts
Topic: Finsbury Growth & Income
Replies: 4
Views: 1245

Re: Finsbury Growth & Income

Didn't Train say recently somewhere that he holds on to Pearson as a reminder of his fallibility or something? As to Man U shares, madness in my view while they are effectively 'B' shares to the Glaziers 'A' share holdings (with inbuilt 10 times more per share voting rights), and given the iffy look...
by GJHarney
November 12th, 2017, 12:44 pm
Forum: The Economy
Topic: …why business is listening to Labour
Replies: 8
Views: 1163

…why business is listening to Labour

https://www.theguardian.com/business/2017/nov/11/labour-corbyn-cbi-conference-business-leaders Interesting summary of the ongoing development of Labour economic policy under Corbyn and McDonnell and the not always negative response of business organisations. The Corbyn speech at last week's CBI conf...
by GJHarney
November 9th, 2017, 6:14 pm
Forum: The Meaning of Life
Topic: How does believing in Jesus to get to heaven, map to Predestination?
Replies: 48
Views: 2435

Re: How does believing in Jesus to get to heaven, map to Predestination?

But the bible does NOT teach pre destination! It does actually: Romans 8:28-30 New International Version (NIV) 28 And we know that in all things God works for the good of those who love him, who[a] have been called according to his purpose. 29 For those God foreknew he also predestined to be confor...

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