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by Itsallaguess
November 19th, 2019, 4:28 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

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

The community has declared that HYP dismisses an attachment to capital. Whether that makes any sense is a subject for debate. Personally I think it is silly. But you cannot credibly deny that that is how it is widely perceived regardless of what Pyad might or might not have said or not said. You do...
by Itsallaguess
November 18th, 2019, 9:11 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 26
Views: 265

Re: Why does HYP1's discussion seem to stir a rather emotional response?

But for some, it is something to be defended to the end. And you can make almost any argument about it because, ultimately, every implementation is individual and different - the fact that it works for one person doesn't alter the fact that it will fail for another. It is all things to all people, ...
by Itsallaguess
November 18th, 2019, 7:43 pm
Forum: High Yield Shares & Strategies - general
Topic: UK Dividend Monitor - Q3 2019
Replies: 0
Views: 118

UK Dividend Monitor - Q3 2019

It's been a while since I posted a link to the UK Dividend Monitor , but the Q3 2019 report has only been out a little while and it always makes for interesting reading for anyone keen on income-investing. Some highlights, followed by a link to the PDF report itself (and I think the final bullet poi...
by Itsallaguess
November 18th, 2019, 6:31 pm
Forum: High Yield Shares & Strategies - general
Topic: Selling Strategy
Replies: 7
Views: 382

Re: Selling Strategy

3. If a holding's yield falls below half that of the FTSE100, then I may sell the complete holding. This is the important one for me, although I do allow myself a little flexibility with regards to hard sell-triggers. What I would like to say in relation to such 'sell-rules' though, is that if a 'y...
by Itsallaguess
November 17th, 2019, 5:00 pm
Forum: The Natural World
Topic: Kestrel - hover mode on...
Replies: 16
Views: 318

Re: Kestrel - hover mode on...

The clip is only 13 seconds long, and the first half of the video has a bee flying around in it. The video-play is set to repeat, however. WHATT???!!! I was admiring the kestrel's stamina, hovering for hour after hour. And the bee too... Persistent little buggers those bees..... Cheers, Itsallaguess
by Itsallaguess
November 17th, 2019, 4:30 pm
Forum: The Natural World
Topic: Kestrel - hover mode on...
Replies: 16
Views: 318

Re: Kestrel - hover mode on...

A very interesting video. I wonder how much of it is just a repeat though? The sky looks suspiciously like the same movement of the clouds if you watch this for any length of time. The clip is only 13 seconds long, and the first half of the video has a bee flying around in it. The video-play is set...
by Itsallaguess
November 17th, 2019, 4:23 pm
Forum: The Natural World
Topic: Kestrel - hover mode on...
Replies: 16
Views: 318

Re: Kestrel - hover mode on...

A very interesting video. I wonder how much of it is just a repeat though? The sky looks suspiciously like the same movement of the clouds if you watch this for any length of time. The clip is only 13 seconds long, and the first half of the video has a bee flying around in it. The video-play is set...
by Itsallaguess
November 17th, 2019, 9:59 am
Forum: High Yield Shares & Strategies - general
Topic: Dividend Yield on FTSE 100
Replies: 54
Views: 1682

Re: Dividend Yield on FTSE 100

I'm not writing off the portfolio strategy of seeking dividend income, rather I'm highlighting the risks of selecting stocks mostly by reference to current yield. But you're ' highlighting those risks ' by selecting individual companies that have had issues in the past. And yet you're consistently ...
by Itsallaguess
November 17th, 2019, 6:13 am
Forum: High Yield Shares & Strategies - general
Topic: Dividend Yield on FTSE 100
Replies: 54
Views: 1682

Re: Dividend Yield on FTSE 100

Following Carillion, the light dawned that high yield equalled distressed share price and distressed share price equalled company in trouble (sometimes). Alaric, I've got to be brutally honest, because you seem to be wilfully and persistently missing the clear and important point that writing off a...
by Itsallaguess
November 16th, 2019, 5:24 pm
Forum: The Natural World
Topic: Kestrel - hover mode on...
Replies: 16
Views: 318

Kestrel - hover mode on...

So we know they can hover really well, but I didn't ever realise just how still they keep their heads whilst doing so....

https://i.imgur.com/cgkQk86.gifv

Amazing...

Cheers,

Itsallaguess
by Itsallaguess
November 16th, 2019, 1:31 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

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

L=Company||Income||Percentage of overall income||Aggregate income L=Rio Tinto||£2,547.00||24.13%||24.13% (from 1 company) L=Persimmon||£2,483.95||23.53%||47.65% (from 2 companies) L=British American Tobacco||£1,735.06||16.43%||64.09% (3) L=BT Group||£875.03||8.29%||72.38% &#...
by Itsallaguess
November 16th, 2019, 12:41 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

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

Think about it. There has been no active management in the sense that the term is usually intended, no forensic poring over company accounts or trying to predict which companies are best placed to do well in the future. No regular hopping in or out of sectors or companies depending on what happens ...
by Itsallaguess
November 16th, 2019, 10:57 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

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

I think HYP1 is a great experiment in how a completely 'hands-off' income-portfolio might develop, ... Sorry, but I disagree, because HYP1 has not been run in a completely 'hands-off' way. ... So I'm not criticising HYP1 for failing to be a completely 'hands off' HYP, since I don't think running su...
by Itsallaguess
November 16th, 2019, 10:51 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

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

I always multiply everything by 10 on those 75k portfolio's because then they fit my criteria, which is enough to live off from the start. HYP1 is a success it did what was intended, maybe it's been lucky but had you upscaled it by 10 you'd being having a pretty comfortable retirement. But I don't ...
by Itsallaguess
November 16th, 2019, 10:42 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

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 retire...
by Itsallaguess
November 16th, 2019, 10:36 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

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

and the crown this year goes to Rio Tinto and Persimmon, who between them paid out a huge 47.65% of overall HYP1 income - L=Company||Income||Percentage of overall income||Aggregate income L=Rio Tinto||£2,547.00||24.13%||24.13% (from 1 company) L= But remember Rio's contribution has been gro...
by Itsallaguess
November 13th, 2019, 7:44 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19
Replies: 7
Views: 927

Re: HYP1 is 19

Well done pyad - another year of rising income and a great on-going experiment for those interested in a completely hands-off approach to income-investment. For anyone interested, I've started a separate thread looking at the income and capital concentration-risk using the HYP1 '19th birthday' data ...
by Itsallaguess
November 13th, 2019, 7:40 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: HYP1 is 19 - thread discussing income and capital diversification
Replies: 53
Views: 1763

HYP1 is 19 - thread discussing income and capital diversification

With the recent 19th Birthday post from pyad regarding the fantastic HYP1 income-portfolio, I've updated my spreadsheet that keeps a track of the lumpiness of both income and capital delivered by HYP1. I've started a separate thread to discuss this lack of income and capital diversification in HYP1'...
by Itsallaguess
November 11th, 2019, 12:02 pm
Forum: Building and DIY
Topic: Plumbing - How Do I Disconnect These Fittings?
Replies: 16
Views: 802

Re: Plumbing - How Do I Disconnect These Fittings?

Can anyone tell me how to disconnect them and if they’re reusable? Have a look at this video and see if one of your grey fittings is similar - https://youtu.be/SOjfrfrekuM?t=54 Of course, do ensure that all piped water is turned off before-hand, and I'd urge the use of a couple of scrap towels unde...
by Itsallaguess
November 11th, 2019, 10:31 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...

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