Search found 160 matches

by RececaDron
November 16th, 2018, 1:39 pm
Forum: Legal Issues (Practical)
Topic: Divorce, is 50:50 split fair?
Replies: 11
Views: 422

Re: Divorce, is 50:50 split fair?

He built up a successful business in this time, Buy to let’s several worth maybe 1m with maybe 500k mortgages all in his name. Is that the "business"? He ends up with something like assets £1,300 k - debt of £700k = £600 k net. She has a more simple and less worrying £600k assets - zero d...
by RececaDron
November 15th, 2018, 3:11 pm
Forum: Polite Discussions
Topic: Cabinet agrees Brexit agreement
Replies: 177
Views: 1744

Re: Cabinet agrees Brexit agreement

What's amusing here is this: Those leaning to the political right often accuse lefties of voting for fantasy policies that aren't based on practical reality, hence why lefty governments always come a cropper as reality eventually intervenes, exposing the fantasies for what they are, shattering the l...
by RececaDron
November 15th, 2018, 2:30 pm
Forum: Polite Discussions
Topic: Cabinet agrees Brexit agreement
Replies: 177
Views: 1744

Re: Cabinet agrees Brexit agreement

BobbyD wrote:
Radio 5 Live on BBC Sounds

“I’m producing a number to try to illustrate what I believe…


- https://twitter.com/bbc5live/status/1063053958971703296



Neatly captures the essence of Brexit: "beliefs" vs. actual reality.
by RececaDron
November 15th, 2018, 2:26 pm
Forum: Polite Discussions
Topic: Cabinet agrees Brexit agreement
Replies: 177
Views: 1744

Re: Cabinet agrees Brexit agreement

Total capitulation by TM to the EU, as widely forecast here as *inevitable* by Remain-supporting posters who grasped the intricacies of Brexit very early on (ie. prior to voting).
by RececaDron
November 11th, 2018, 7:46 pm
Forum: Legal Issues (Practical)
Topic: Fitted wardrobes question
Replies: 11
Views: 424

Re: Fitted wardrobes question

redsturgeon wrote:We have just had some fitted wardrobes installed in our bedroom.

The wardrobes look great and in general we are happy with them.



As background...

Which company - local or national?
And how much moola?
by RececaDron
November 11th, 2018, 3:46 pm
Forum: Building and DIY
Topic: Wireless room thermostat
Replies: 15
Views: 463

Re: Wireless room thermostat

A commonly-installed 1-day programmable wireless thermostat is the Honeywell CM921; if you want different programs (on-off times & temperatures) on different days of the week, rather than the same program settings on every day, then there's a 7-day variant (CM927). You'll need a sparky to instal...
by RececaDron
November 11th, 2018, 2:12 pm
Forum: Computers, TVs & Phones
Topic: Smart watch
Replies: 2
Views: 154

Re: Smart watch

You'd do well to start by reading the relevant sections of Ray Maker's site:

https://www.dcrainmaker.com/
https://www.dcrainmaker.com/product-rev ... y-monitors

You "may be some time", but if you want to be informed rather than just taking a punt...
by RececaDron
November 4th, 2018, 12:19 pm
Forum: Computers, TVs & Phones
Topic: How best to manage strong passwords?
Replies: 59
Views: 1257

Re: How best to manage strong passwords?

There are various options for password managers, with keepass being one of them, and one that often appeals to the more tech-savvy and/or those focused more on single (eg. PC) than cross-platforms. The various password manager options out there have different pros and cons, different strengths and w...
by RececaDron
November 4th, 2018, 9:22 am
Forum: Computers, TVs & Phones
Topic: How best to manage strong passwords?
Replies: 59
Views: 1257

Re: How best to manage strong passwords?

I feel slightly better now because recently I had a very similar email to the OP and it is a horrible feeling, as if I have been personally compromised. I guess I have not been specially picked out! On refection my password was very simple as I now realise and of course I immediately changed it (pr...
by RececaDron
October 28th, 2018, 3:05 pm
Forum: Macro and Global Topics
Topic: Autumn 2018 stock market drops
Replies: 106
Views: 4249

Re: Autumn 2018 stock market drops

What do you believe will be the key drivers of inflation? We're pretty familiar with the deflationary drivers that have flowed from globalisation and technology over the past few decades. What follows are emerging or growing inflationary catalysts - happening now - which may overcome those still ex...
by RececaDron
October 26th, 2018, 5:29 pm
Forum: Macro and Global Topics
Topic: Autumn 2018 stock market drops
Replies: 106
Views: 4249

Re: Autumn 2018 stock market drops

TMB, I don't base my investment strategy around what the British public expect inflation to do; or rather if I were to occasionally do so, it would be in a contrarian manner to bet against the received knowledge. But more importantly: every time there's a growth scare (and there'll always be a stead...
by RececaDron
October 26th, 2018, 4:31 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 61
Views: 3995

Re: Personal Assets v Capital Gearing v RICA?

Over the last couple of years I’ve worked quite a lot on future returns forecasts, or at least overseen a project on it for an investment management company, working with one of the main players in economic modelling, US academics and our in house investment managers, and i’d be happy with 5% p/a a...
by RececaDron
October 26th, 2018, 4:18 pm
Forum: Macro and Global Topics
Topic: Autumn 2018 stock market drops
Replies: 106
Views: 4249

Re: Autumn 2018 stock market drops

I'm increasingly of the view that the disinflationary developed-market era of the past 35+ years is coming to an end and the era ahead will be more of an inflationary one. Few investors have personal experience of investing in an environment biased towards inflation rather than disinflation, so the ...
by RececaDron
October 25th, 2018, 1:56 pm
Forum: Macro and Global Topics
Topic: Autumn 2018 stock market drops
Replies: 106
Views: 4249

Re: Autumn 2018 stock market drops

Bear in mind that as a contemporary private investor performing detailed fundamental analysis of company accounts you are part of a rare breed that's becoming rarer still. Why do all that hard, pointless work when you can just buy the index, innit. Indeed I'm impressed by how well people have perfor...
by RececaDron
October 24th, 2018, 7:38 am
Forum: Investment Strategies
Topic: Current Market Situation
Replies: 17
Views: 2031

Re: Current Market Situation

I think the rise in yields seen in the US treasuries market is significant. Inflation is coming! The US has led developed markets in their recovery from the financial crash's aftermath: US balance sheets were repaired sooner, US stocks sustained break outs to post-crash highs earlier, and US centra...
by RececaDron
October 21st, 2018, 8:40 pm
Forum: Macro and Global Topics
Topic: Will end of baby boomers lead to bear market ?
Replies: 2
Views: 512

Re: Will end of baby boomers lead to bear market ?

My best guess is this is classic wall of worry stuff, and that Japanese equities are in a secular bull market that will last as much as a couple of decades, driven by a variety of factors such as shareholder-value enhancing corporate reform, technology & innovation, immigration and inflation. Pe...
by RececaDron
October 20th, 2018, 11:32 am
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 61
Views: 3995

Re: Personal Assets v Capital Gearing v RICA?

The closest to "evidence" is their track record I guess - they have one, I certainly don't. My preference leans more towards risk based v doggedly sticking to fixed % allocations come what may. I seem to recall PLNL significantly lowering its equity allocation a year or two after the GFC ...
by RececaDron
October 19th, 2018, 2:08 pm
Forum: Retirement Investing (inc FIRE)
Topic: Aviva stakeholder pension via Cavendish
Replies: 18
Views: 1105

Re: Aviva stakeholder pension via Cavendish

As you were. Aviva has just got back to me to say that, after all, "This fund does not have additional yearly fund charges or fund manager expense charges." So it's just 0.45%. Over the past 12 months I paid £522.18 in charges on a fund which was worth on average around £120,000 during th...
by RececaDron
October 18th, 2018, 3:08 pm
Forum: Investment Strategies
Topic: "Old Money" Trusts?
Replies: 49
Views: 2932

Re: "Old Money" Trusts?

Well, from my side I don't believe I'm panicking. ... You can "panic" and sell stuff, which I haven't done, or you simply accept that perhaps you got your allocation riskier than you'd like and look to adjust. No one on this thread has stated that you're panicking. [NB colin seems to have...
by RececaDron
October 18th, 2018, 2:00 pm
Forum: Investment Trusts and Unit Trusts
Topic: Personal Assets v Capital Gearing v RICA?
Replies: 61
Views: 3995

Re: Personal Assets v Capital Gearing v RICA?

if you go 50/50 between PNL and 100% equities you end up with near enough a 75/25 mix. ...at present. PNL has no fixed asset allocation so at another time they could be as much as 100% equity, and hence so would you be if you were holding a 50/50 PNL/100%-equity portfolio. Realise that you'd be far...

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