Search found 125 matches

by torata
November 5th, 2018, 10:32 pm
Forum: Computers, TVs & Phones
Topic: How best to manage strong passwords?
Replies: 59
Views: 1199

Re: How best to manage strong passwords?

If my logic is correct then going to the trouble of keepass is the old sedge hammer to crack a nut and I might be better simply to change the passwords more regularly and make them longer. Any thoughts? Dod Dod I think you'll find once you've started using one, you won't want to go back. You certai...
by torata
October 13th, 2018, 1:06 am
Forum: Investment Strategies
Topic: Market Timing
Replies: 69
Views: 3342

Re: Market Timing

Most commentators say that it's a mugs game trying to time markets. At the same time a number of fund managers seem to be upping the proportion of cash or near cash in the funds they run. Currently I am about 25% cash in my ISA and SIPP. I draw cash from each but the natural yield almost covers wha...
by torata
October 9th, 2018, 11:54 pm
Forum: Pensions - Practical Problems
Topic: NI Voluntary Class 2 contributions
Replies: 3
Views: 1303

Re: NI Voluntary Class 2 contributions

Hi all, I contacted HMRC today to find out what the Class 2 NI rates were for 2016/17 and 2017/18 as I wanted to make sure my contributions were up to date. [SNIP] I was also pleasantly surprised to learn that such payments could now be made online. I haven't had to make such a payment for a number...
by torata
October 2nd, 2018, 10:23 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Tate & Lyle
Replies: 39
Views: 1360

Re: Tate & Lyle

I was going to write something dismissive of Tate - I've held for just over 10 years - along the lines of "I wouldn't even go as far as 'mediocre'". In fact I chose not to top it up the other day in favour of a new share, ITV. But I realize my view is biased because it was bought as a half...
by torata
September 14th, 2018, 12:32 am
Forum: Computers, TVs & Phones
Topic: MacbookPro and Adobe Premier Pro
Replies: 7
Views: 270

Re: MacbookPro and Adobe Premier Pro

Can anyone please confirm if this looks OK - have we gone over the top for anything or have not spec'd high enough (15" screen? - a hell of a lot more money!!!) My tuppence worth. Invest in a 2nd monitor as big as budget will allow. Even 15" screen won't be comfortable when she's using mo...
by torata
September 9th, 2018, 11:18 am
Forum: Share ideas
Topic: Slicing an apple
Replies: 9
Views: 573

Re: Slicing an apple

In fact I do actually have a two-stage process in this regards, with a clearly identifiable set of trigger-points - 1. A share that's risen enough to become an overweight position, and seems to seep into day-to-day thought-processes quite often - this is usually followed up with a plan to reduce ex...
by torata
August 31st, 2018, 10:59 am
Forum: Legal Issues (Practical)
Topic: External Decoration to Leasehold Property
Replies: 9
Views: 640

Re: External Decoration to Leasehold Property

Thanks Clitheroekid,

I'll look into the lease.

torata
by torata
August 30th, 2018, 11:33 pm
Forum: Legal Issues (Practical)
Topic: External Decoration to Leasehold Property
Replies: 9
Views: 640

Re: External Decoration to Leasehold Property

Thanks for the reply, Clitherokid So that I have some ammunition to get my mum to go to a solicitor, can you briefly outline what kinds of disasters could occur? I can imagine it could be the other side refusing to pay, or holding up or witholding some payment for some reason, but I'd like to be mor...
by torata
August 29th, 2018, 10:04 pm
Forum: Legal Issues (Practical)
Topic: External Decoration to Leasehold Property
Replies: 9
Views: 640

Re: External Decoration to Leasehold Property

My mum owns the leasehold to a property of two dwellings. Many apologies, I should have written "My mum owns the freehold to a single property of two dwellings" (and to clarify, she lives in the downstairs dwelling and leaseholders live in the upstairs dwelling). Thank you both Didds and ...
by torata
August 28th, 2018, 9:44 pm
Forum: Legal Issues (Practical)
Topic: External Decoration to Leasehold Property
Replies: 9
Views: 640

External Decoration to Leasehold Property

My mum owns the leasehold to a property of two dwellings. She lives in the ground floor, with another family living in the first and second floor (2nd floor is in the roofspace - like a loft conversion, but it was built that way). Shared costs, like gardener for the driveway area, are divided up 50/...
by torata
August 25th, 2018, 3:18 am
Forum: REITs & Property Companies
Topic: REITs & PropCos vs CVAs
Replies: 4
Views: 391

REITs & PropCos vs CVAs

There's been a lot in the press recently about the retail sector in the doldrums, and CVAs etc being used to renegotiate downward rents. I wonder what's the impact on which REITs and PropCos? Are we going to start seeing reports of depressed earnings? (context: I was thinking of adding a REIT to my ...
by torata
August 15th, 2018, 11:43 pm
Forum: Computers, TVs & Phones
Topic: Downloading from iTunes
Replies: 14
Views: 454

Re: Downloading from iTunes

Seems to be irrelevant anyway as it tells me the files are 'protected' and cannot be converted. I don't know what that means. Mel Hmm, I am able to convert AAC format and purchased songs ("Purchased AAC") to mp3 no problem. It may be that you've subscribed to them from Apple Music, rather...
by torata
August 14th, 2018, 11:43 pm
Forum: Computers, TVs & Phones
Topic: Downloading from iTunes
Replies: 14
Views: 454

Re: Downloading from iTunes

Easiest thing is to convert your purchased music to mp3 in itunes. Highlight the song/s you want, then File > Convert > mp3 version After a while you'll have 2 versions of the song, one the original format and the other as mp3. Then right click the mp3 version > Show in windows explorer, then just c...
by torata
July 20th, 2018, 3:59 pm
Forum: Computers, TVs & Phones
Topic: Ripping & playing old DVDs
Replies: 19
Views: 649

Re: Ripping & playing old DVDs

I want to get rid of my DVD player and have a few (fewer than 10) old DVDs that I don't want to lose access to. I'd like to get them stored on a hard drive and be able to play them just like on a DVD player, i.e. launching into the DVD menu since some of them have alternative commentary soundtracks...
by torata
July 20th, 2018, 3:07 pm
Forum: Does anyone know?
Topic: Best way to sell expensive Longines watch
Replies: 29
Views: 1266

Re: Best way to sell expensive Longines watch

Thanks everyone. ...I bought it in a closing down sale for about 50% of the retail value so I would be making an approx 20% loss on what I paid. ... but I find it hard to spend the money on things just for me. The watch was an exception... Hi Clariman Less a DAK response, but more comfort cafe, but...
by torata
July 18th, 2018, 11:09 pm
Forum: Share ideas
Topic: Investing in Sage, ideas, opinions?
Replies: 36
Views: 1610

Re: Investing in Sage, ideas, opinions?

Who are the competition? Intuit? In the SME space, Xero immediately comes to mind, publicly quoted in OZ - ASX:XRO Accounting / ERP software is inherently sticky and margins should be good, especially moving to SaaS model. However, echoing dspp, considered on a global basis, unfortunately, I don't ...
by torata
July 13th, 2018, 12:53 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: SMDS rights
Replies: 23
Views: 1376

Re: SMDS rights

So my rule of thumb for dealing with this rights issue (and highly probably any other) is that once the shares have gone ex-rights, I should: 1) Decide whether I want more shares for my HYP at the current market price, and if so, how many. Thanks Gengulphus (above) and Breelander (later post). I've...
by torata
July 6th, 2018, 12:49 am
Forum: Computers, TVs & Phones
Topic: Keyboard error
Replies: 11
Views: 321

Re: Keyboard error

Apparently, Windows 10 uses Ctrl+Shift and Alt+Shift as keyboard shortcuts to switch language and/or keyboard layout. It could be that you're triggering this accidentally, and alternating between UK and US keyboard layouts without really noticing. These seem like silly choices of shortcut if you as...
by torata
July 6th, 2018, 12:16 am
Forum: Pharmaceuticals & Bio-Pharma
Topic: AorTech International
Replies: 2
Views: 1037

Re: AorTech International

Chessnutuk wrote::roll:


:?:
by torata
July 3rd, 2018, 1:09 pm
Forum: Financial Software - Discussion
Topic: New HYPTUSS versions 11.54 and b-i
Replies: 25
Views: 1891

Re: New HYPTUSS versions 11.54 and b-i

Odd. Very odd! OK, back to basics. Can you please download a fresh copy from http://lemonfoolfinancialsoftware.weebly.com/hyp-top-up.html and try that, without making any changes such as adding shares. If that fails, let's try a new feature that's in development....... --kiloran I'll mention this, ...

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