Search found 176 matches

by nmdhqbc
September 10th, 2018, 7:28 pm
Forum: Brokers and Share Dealing
Topic: recommendations for a share ISA
Replies: 16
Views: 511

Re: recommendations for a share ISA

iWeb seems the obvious answer here. By far the cheapest. £25 one off fee to open. Then £5 per trade. That's it.
by nmdhqbc
September 10th, 2018, 4:55 pm
Forum: Other Investing
Topic: Short selling question
Replies: 7
Views: 214

Re: Short selling question

How does Person B benefit from this apart from the borrowing fee which must be less than the before and after price difference? B just gets the fee. If B is a index tracker fund or required to tightly follow a benchmark, it has no option but to hold the shares as they fall. This is true, and in fac...
by nmdhqbc
September 6th, 2018, 2:11 pm
Forum: Computers, TVs & Phones
Topic: Mobile broadband? Tethering?
Replies: 32
Views: 469

Re: Mobile broadband? Tethering?

I have a 40 Gb 4g allowance per month. <snip> It has turned out to be a good, cost effective option for me. For people wanting continuous usage, month in, month out, I agree that type of solution is probably the best alternative to a land-line, and can be cheaper than the LL depending on usage etc....
by nmdhqbc
September 6th, 2018, 10:44 am
Forum: Beerpig's Snug
Topic: What's your drug?
Replies: 42
Views: 1073

Re: What's your drug?

junk food, junk tv

so many wholesome/healthy "drugs" here. thought i'd try balance it out.
by nmdhqbc
September 1st, 2018, 5:03 pm
Forum: Beerpig's Snug
Topic: Story Songs
Replies: 65
Views: 1207

Re: Story Songs

Pulp - Common People
by nmdhqbc
September 1st, 2018, 9:45 am
Forum: Beerpig's Snug
Topic: Story Songs
Replies: 65
Views: 1207

Re: Story Songs

The Beatles - She's Leaving Home
by nmdhqbc
August 29th, 2018, 2:47 pm
Forum: Taxes
Topic: Equalisation and Accrued Dividend
Replies: 5
Views: 311

Re: Equalisation and Accrued Dividend

The issue of does this convert income to capital etc. is not really relevant. Authorised investment funds are generally opaque to income tax - which means that income received at a fund level i.e dividends, is not "income" in the hands of the investor. It only becomes income when it is de...
by nmdhqbc
August 28th, 2018, 10:23 pm
Forum: Investment and Unit Trusts
Topic: Fundsmith Equity Fund
Replies: 11
Views: 1180

Re: Fundsmith Equity Fund

I presume the T class is a slightly more expensive one for owning direct? I own I class at 0.97% ongoing charge through iWeb. So it's cost me £5 x 2 purchases so far in platform fees. It's about £11k so that 0.08% difference in fund charges would be about £8.80 a year. So not much in it in year 1 an...
by nmdhqbc
August 28th, 2018, 2:07 pm
Forum: Beerpig's Snug
Topic: Boring Job
Replies: 50
Views: 1309

Re: Boring Job

Must have had a very good work life there if you think that's a boring job. I've had some humdingers. Stuffing envelopes, wrapping parcels, making boxes, sorting post. Maybe get into come min wage jobs to have your eyes opened.
by nmdhqbc
August 27th, 2018, 10:17 pm
Forum: Taxes
Topic: Equalisation and Accrued Dividend
Replies: 5
Views: 311

Re: Equalisation and Accrued Dividend

Seems like a good idea. I was waiting to see if anyone saw any flaws in it. I can't see any but I'm not so well versed in these things. Them paying dividend once a year helps a lot. You could just be out of the market for a day or two but I don't think that lets you spread out your capital gains for...
by nmdhqbc
August 26th, 2018, 7:47 am
Forum: Music, Theatre, TV and Film
Topic: KSi v Logan Paul
Replies: 6
Views: 278

Re: KSi v Logan Paul

"No not interested at all" voters. Clearly there was enough interest to click on this.
by nmdhqbc
August 20th, 2018, 6:43 pm
Forum: Dealing with Debt
Topic: advice sought please
Replies: 30
Views: 1249

Re: advice sought please

Electricity............................. 50 Gas..................................... 46 Seems high. Depends on size and efficiency of the house though of course. If you haven't already price comparison site it. Thermostat down a few degrees. Buildings insurance..................... 37.22 Seems high...
by nmdhqbc
August 15th, 2018, 9:33 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: RBS to pay a dividend
Replies: 3
Views: 501

Re: RBS to pay a dividend

£27.94 coming my way. How much are those fancy electric cars?
by nmdhqbc
August 13th, 2018, 8:40 am
Forum: Does anyone know?
Topic: Buying a flat - how quickly could one move in?
Replies: 18
Views: 575

Re: Buying a flat - how quickly could one move in?

I'd expect the worst and hope for the best if I was you... When I bought my flat it took 8 weeks buying. When I sold it took over 12 months. Excruciating trouble dealing with the landlords agent to fix a minor issue with the lease. In the end the buyer pulled out because it took too long. A few week...
by nmdhqbc
August 2nd, 2018, 3:28 pm
Forum: Investment and Unit Trusts
Topic: City of London - is it worth it?
Replies: 81
Views: 5520

Re: City of London - is it worth it?

I can't speak for everyone but for me CTY is my joint 2nd largest holding. But it's not so much that I hold Job Curtis in such high regard but rather the remit of the trust. Steady, diversified and dividend focused. Job has done a stellar job of that but it's not a remit that requires the midas touc...
by nmdhqbc
July 27th, 2018, 6:13 pm
Forum: The Economy
Topic: Trump triumphs again: 4% US growth
Replies: 13
Views: 1043

Re: Trump triumphs again: 4% US growth

greatest potus of all time
by nmdhqbc
July 10th, 2018, 3:17 pm
Forum: Beerpig's Snug
Topic: Leave/holiday/furlough
Replies: 13
Views: 423

Re: Leave/holiday/furlough

This is one reason I quit my 'proper' jobs and went to work in warehouses lugging boxes around about 10 years ago. Properly switch off every night / holiday.
by nmdhqbc
July 5th, 2018, 8:59 pm
Forum: Investment and Unit Trusts
Topic: City of London - is it worth it?
Replies: 81
Views: 5520

Re: City of London - is it worth it?

Forget a fraction of a per cent in charges. Focus on what really matters. City of London is a dog. A miserable excuse of an investment. I will get flamed yet again for pointing it out, but if Job Curtis had simply put his money into a FTSE250 tracker fund, gone and played golf every day, the return...
by nmdhqbc
July 5th, 2018, 5:31 pm
Forum: Investment and Unit Trusts
Topic: City of London - is it worth it?
Replies: 81
Views: 5520

Re: City of London - is it worth it?

...oh, and as others have said that 0.88% sounds too high. Are you sure that's right?
by nmdhqbc
July 5th, 2018, 5:27 pm
Forum: Investment and Unit Trusts
Topic: City of London - is it worth it?
Replies: 81
Views: 5520

Re: City of London - is it worth it?

I don't agree with the way the fees and performance was stated here. It makes it sound like they performed equally and THEN the fees are taken off. Correct me if I'm wrong but I presume they performed equally well net of fees. So actually equally good investments over that time period. So in a risin...

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