Search found 1375 matches

by scotia
October 20th, 2019, 11:35 pm
Forum: Beerpig's Snug
Topic: Those that have the least to give, give most
Replies: 23
Views: 1488

Re: Those that have the least to give, give most

It may be pertinent to point out that charitable donations in the UK only raise the boundary between the basic rate of tax and the higher rate if Gift Aid is claimed. In the USA I believe that the donation takes that amount of the donor's personal income out of the scope of income tax, always provi...
by scotia
October 20th, 2019, 3:08 pm
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1274

Re: ISHARES PLC FTSE UK DIVIDEND (IUKD)

A fascinating discussion, but shouldn't it be on the "Passives Board", or failing that on the "Investment Strategies board". It doesn't really seem to be about Investment Trusts or Unit Trusts. ITs and Unit Trusts have been suggested as alternatives to this ETF - and I don't sup...
by scotia
October 20th, 2019, 3:05 pm
Forum: Beerpig's Snug
Topic: Orientalists
Replies: 2
Views: 320

Re: Orientalists

I really love some of these paintings, particularly Lot 9, of a market in Jaffa - https://www.sothebys.com/en/buy/auction/2019/important-works-from-the-najd-collection/gustav-bauernfeind-market-in-jaffa That's a nice link they have supplied - get the picture displayed on-screen, and print it. There...
by scotia
October 19th, 2019, 9:19 pm
Forum: Share ideas
Topic: Boeing
Replies: 77
Views: 6093

Re: Boeing

https://uk.reuters.com/article/us-ethiopia-airplane-boeing-exclusive/boeing-pilots-messages-on-737-max-safety-raise-new-questions-idUKKBN1WX25G More bad news about the 737Max. It appears that problems occurred in 2016 with a 737Max simulator which were not communicated to the regulators. This may s...
by scotia
October 19th, 2019, 11:53 am
Forum: Investment Trusts and Unit Trusts
Topic: ISHARES PLC FTSE UK DIVIDEND (IUKD)
Replies: 33
Views: 1274

Re: ISHARES PLC FTSE UK DIVIDEND (IUKD)

I can see the attraction of IUKD - a 7% dividend return (as quoted on HL) is difficult to beat - albeit at the cost of a poorer total return than a simple FTSE tracker. If you also want the process to involve a minimum of fuss, then it again fits the bill. A more traditional approach would be a UK E...
by scotia
October 19th, 2019, 11:20 am
Forum: Bitter Lemons
Topic: Women Drivers
Replies: 19
Views: 807

Re: Women Drivers

I'm currently in Coventry visiting my 95 year old mum. She's not so mobile these days, and uses one of those wheeled shopping trolley thingies to help her get about. When we are standing at the side of a road waiting to cross (not on a crossing), it's amazing how many drivers stop and wave her acro...
by scotia
October 17th, 2019, 5:55 pm
Forum: Investment Trusts and Unit Trusts
Topic: Woodford Equity Income Fund Suspends Trading
Replies: 212
Views: 17784

Re: Woodford Equity Income Fund Suspends Trading

Just read an interesting article on Trustnet about lessons to be learned from Woodford. They didn't mention once that the answer to all the issues they highlighted is.........Investment Trust. IMO a vastly superior investment vehicle. Interesting thought - however it may not be correct. Take the cu...
by scotia
October 17th, 2019, 10:25 am
Forum: Investment Trusts and Unit Trusts
Topic: Woodford Equity Income Fund Suspends Trading
Replies: 212
Views: 17784

Re: Woodford Equity Income Fund Suspends Trading

Woodford made his name at Invesco Perpetual with Income funds that were weighed strongly towards tobacco and pharmaceuticals - and for a significant period this was successful. But in his final five years this approach started to fail - and he performed poorly. So he thought that a new approach was ...
by scotia
October 16th, 2019, 4:05 pm
Forum: Venture Capital Trusts (VCT's)
Topic: Baronsmead Fund Raise
Replies: 11
Views: 1902

Re: Baronsmead Fund Raise

Update. In the Prospectus T&Cs (as distinct from the Subscription Form, which is silent on the point), Baronsmead do reserve the right to scale back.I assume that they will not do so, but it is simply wrong to say that these offers are on a first come, first served basis and then to introduce t...
by scotia
October 14th, 2019, 10:46 am
Forum: Does anyone know?
Topic: Airplanes and wind speed disruption
Replies: 19
Views: 1526

Re: Airplanes and wind speed disruption

flyer61 wrote:Cross winds per se are not that much of a problem..

Maybe not to a pilot, but they are a bit disconcerting for a prospective passenger at Stornoway, watching the Twin Otter arrive in a crab-wise fashion.
by scotia
October 13th, 2019, 10:20 pm
Forum: Beerpig's Snug
Topic: The Lemonfool my pic of the day thread
Replies: 812
Views: 54837

Re: The Lemonfool my pic of the day thread

For those seeking a less energetic ramble, a shorter version consists of the section up past Lochan Uaine (the green lochan) to the Ryvoan Bothy (and return). https://www.walkhighlands.co.uk/cairngorms/ryvoan.shtml Its very pleasant, and it reminds me that it has been some years since I trod that wa...
by scotia
October 13th, 2019, 8:16 pm
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Timing Belt
Replies: 13
Views: 654

Re: Timing Belt

Cost me a complete top-end rebuild, about £1300. Ouch. :( No short cuts! BJ A broken belt in a Rover about 20 years ago cost me around £1100. It was slightly over the mileage at which it should have been changed. Why do manufacturers use belts? What's wrong with a chain that never needs replacing (...
by scotia
October 13th, 2019, 7:45 pm
Forum: Beerpig's Snug
Topic: Merry Xmas
Replies: 7
Views: 490

Re: Merry Xmas

Local Council started putting up the Xmas lights in the village this weekend.
by scotia
October 12th, 2019, 8:33 pm
Forum: Investment Trusts and Unit Trusts
Topic: JPM UK Equity Core Class E Quarterly Accumulation Fund
Replies: 9
Views: 830

Re: JPM UK Equity Core Class E Quarterly Accumulation Fund

I agree with backache (the poster, not the condition) that if she has no immediate need for the cash, it would make sense for her to keep it within a tax sheltered ISA. I have found HL very satisfactory. And still keeping within an ISA, she can sell part (or all) of her existing fund, and re-invest ...
by scotia
October 12th, 2019, 8:07 pm
Forum: Beerpig's Snug
Topic: The Lemonfool my pic of the day thread
Replies: 812
Views: 54837

Re: The Lemonfool my pic of the day thread

Snorvey wrote:Hurricane Haggis hits Japan..... :shock:

In a similar vein - I decided not to try out the Wick Outdoor Swimming Pool last weekend :)

Image
by scotia
October 11th, 2019, 9:58 pm
Forum: Venture Capital Trusts (VCT's)
Topic: Transferring - nominee account
Replies: 9
Views: 1096

Re: Transferring - nominee account

Kidman wrote:I wait until after the five year time and then use the HL 'Bed and ISA' to effect a free of charge sale and then a credit of the proceeds into my iSA.

And I now do the same.
by scotia
October 9th, 2019, 10:40 pm
Forum: Venture Capital Trusts (VCT's)
Topic: CRWN results for 2019
Replies: 7
Views: 1249

Re: CRWN results for 2019

The cost of ELE in MIG1 was £192 with the current valuation of £1629, so it seems odd that they would emphasise 4X if taken at cost as that is a 50% loss to valuation. I agree completely that the figures are not clear, which is why I drew attention to them And to add to the confusion, if you look a...
by scotia
October 9th, 2019, 9:00 pm
Forum: Beerpig's Snug
Topic: 50 years old
Replies: 83
Views: 2362

Re: 50 years old

I'm 75 and healthy and have no sleeping problems. I don't take vitamins. My wife (73) takes fish oil - and she maintains it eases her joints. So far I don't have joint problems - apart from an intermittently troublesome big toe. My wife was told at an eye examination about a year ago that she would ...
by scotia
October 9th, 2019, 12:45 pm
Forum: The Natural World
Topic: Small bird breeding season.
Replies: 19
Views: 2893

Re: Small bird breeding season.

I have been pleased by the resurgence of sparrows - they are bright, busy little birds. I took the following picture of one at the House of Bruar (on the A9 north of Pitlochry). It had clearly found desirable lodgings.

Image
by scotia
October 9th, 2019, 11:48 am
Forum: Beerpig's Snug
Topic: 50 years old
Replies: 83
Views: 2362

Re: 50 years old

Occasionally I get the mower out, and cutting my lawns requires a lot of work. On BBC R2 Tony Blackburn Sounds of the 60s, II heard that if you pour a bottle of gin onto the grass then it will grow half cut. While coating our roof tiles, the workman spilled some of his coating fluid on the lawn, an...

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