Search found 2984 matches

by Alaric
June 16th, 2019, 9:14 am
Forum: Passive Investing
Topic: Vanguard All-World High Dividend
Replies: 15
Views: 582

Re: Vanguard All-World High Dividend

The difference seems to be that dividends are actual, objective amounts that are paid, The other part of the formula is the price as in yield = dividend / price. The problem with using a mechanical selection on higher yields is that it's very good at identifying shares where the price has fallen, t...
by Alaric
June 16th, 2019, 9:04 am
Forum: High Yield Shares & Strategies - general
Topic: HYP with limited monthly contribution
Replies: 12
Views: 279

Re: HYP with limited monthly contribution

It would appear to me that building 10-15 holdings at £250 would be too time consuming and would mean that I would have problems with diversification for a long time. Not to mention that dealing commission will erode your return before you start. For that sort of investment, the most cost effective...
by Alaric
June 16th, 2019, 12:44 am
Forum: Computers, TVs & Phones
Topic: Small Dedicated Computer
Replies: 33
Views: 490

Re: Small Dedicated Computer

That depends entirely on the underlying platform. Perhaps it's premised on the idea that people update their phones every year so are more likely to be up-to-date with security fixes? Or that many phones only ever install software from highly-curated app stores. Even so it sounds dubious to me. Lik...
by Alaric
June 16th, 2019, 12:37 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: British Land
Replies: 17
Views: 974

Re: British Land

FTSE cheap? or a dog? Take a look at the top 10 at https://www.dividenddata.co.uk/dividendyield.py?market=ftse100 As of writing, the displayed yield on the Index is 4.46%. Eliminating the Shell double count, of the top 10 by weight, there's 6 above par HSBC at 6.28% BP at 6.04% Shell at 5.94%/5.93%...
by Alaric
June 15th, 2019, 7:47 pm
Forum: London lovers
Topic: somewhere to park and stay i9n a campervan in central london
Replies: 7
Views: 131

Re: somewhere to park and stay i9n a campervan in central london

A search for "central London camping" came up with a list of official sites https://www.visitlondon.com/where-to-stay/caravan-and-camping None are in Central London though. The obvious and almost certainly illegal places would be in one of the Parks, particularly the larger ones with roads...
by Alaric
June 15th, 2019, 7:40 pm
Forum: Polite Discussions
Topic: Tory leadership candidates discover money tree
Replies: 138
Views: 2094

Re: Tory leadership candidates discover money tree

I don't see any reason why it cannot easily generate a return on capital greater than the -1% to -2% real yield we are issuing at. That's an amazingly low hurdle rate for infrastructure expenditure. Unless a Government is investing in businesses, it only has income to finance interest on borrowings...
by Alaric
June 15th, 2019, 6:18 pm
Forum: Share ideas
Topic: Investing in software and IT, e.g. Softcat, Sophos, Saas
Replies: 79
Views: 1347

Re: Investing in software and IT, e.g. Softcat, Sophos, Saas

Perhaps you only pay tax on capital gains if you are a US-citizen. I can't claim to know much about it. If you invest in a US Company or a fund which holds US Companies, you incur tax at 30% on any dividends. This is withheld by the Company making the distribution or its registrars. If you have a W...
by Alaric
June 15th, 2019, 2:49 pm
Forum: Polite Discussions
Topic: This will not help the Conservative vote - TV licences
Replies: 124
Views: 1978

Re: This will not help the Conservative vote - TV licences

What it does not do is calculate how many of the journeys are remunerated. All of them are remunerated. From my relatively rare use, I have concluded that at least two systems are in operation. If there's a smartcard system like Oyster in London, you are expected to present your card to make the ma...
by Alaric
June 15th, 2019, 1:08 pm
Forum: Polite Discussions
Topic: Modern Britain Eh!
Replies: 7
Views: 194

Re: Modern Britain Eh!

And the HMRC gets its money long before it really deserves it - I get taxed on my monthly income even in the early months of the tax year, whereas I should not have income tax deducted until I have received income up to the tax free allowance. There used to be a nice little advance payment for grad...
by Alaric
June 15th, 2019, 1:04 pm
Forum: Polite Discussions
Topic: Modern Britain Eh!
Replies: 7
Views: 194

Re: Modern Britain Eh!

I seem to remember a lot of TV programs and movies from the 1960s and earlier where employees asked their bosses for and received advances on their wages until the end of the week/month. Lower paid workers in that era would have expected to both have been paid in cash and weekly. It was only those ...
by Alaric
June 15th, 2019, 11:48 am
Forum: Passive Investing
Topic: Investing in sustainable tracker funds
Replies: 3
Views: 198

Re: Investing in sustainable tracker funds

Any suggestions as to ISA providers which offer this, or other ethical investment routes? It's not so much ISA providers that would present the problem, as the mainstream platforms would offer every investment that it's legal for them to make available to retail clients. Rather it's a question of w...
by Alaric
June 15th, 2019, 11:42 am
Forum: Polite Discussions
Topic: Modern Britain Eh!
Replies: 7
Views: 194

Re: Modern Britain Eh!

On a positive note, it may reduce "payday loans" or at least curb their excessive interest rates, so perhaps not totally bad? Suppose you had a credit card with a credit limit at least equal to your monthly earnings and a payment date after you were paid. Wouldn't this work the same way, ...
by Alaric
June 14th, 2019, 3:37 pm
Forum: Passive Investing
Topic: Vanguard All-World High Dividend
Replies: 15
Views: 582

Re: Vanguard All-World High Dividend

Lootman wrote:Currency would be a significant factor there, I'd imagine.


I thought they were both global trackers, the high yield one being based on a subset of higher yielding stocks. Currency effects are likely to be the same for both unless the subset doesn't have the same currency weightings.
by Alaric
June 14th, 2019, 12:52 pm
Forum: Passive Investing
Topic: Vanguard All-World High Dividend
Replies: 15
Views: 582

Re: Vanguard All-World High Dividend

Any thoughts? A potential problem with such an index is that it picks out stocks that have a high yield, not because of dividend increases, but because the share price is under pressure. Looking down the list of UK names, it's not just confined to those in the FTSE 100. It's a subset of a wider ind...
by Alaric
June 13th, 2019, 3:57 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Imperial Brands Half Yearly Report
Replies: 103
Views: 4458

Re: Imperial Brands Half Yearly Report

More selling off announced. https://www.telegraph.co.uk/investing/shares/britains-biggest-pension-will-no-longer-invest-tobacco-should/ Behind the paywall but the news is at the top. The £6bn Nest pension fund – the largest pension master trust in the country, which is forecast to manage pensions on...
by Alaric
June 13th, 2019, 9:35 am
Forum: Polite Discussions
Topic: This will not help the Conservative vote - TV licences
Replies: 124
Views: 1978

Re: This will not help the Conservative vote - TV licences

XFool wrote:They were in a Contracted Out pension


That was the point of being "Contracted Out".

If you were in an employer related pension scheme, that could overlap the State Pension. As a consequence the deal was for reduced National Insurance contributions in exchange for a reduced State Pension.
by Alaric
June 13th, 2019, 9:30 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: IanTHughes HYP - June 2019 Top-ups
Replies: 43
Views: 1855

Re: IanTHughes HYP - June 2019 Top-ups

Dod101 wrote:
You may be right but beware of the danger of receiving comments you want to hear


Isn't that the point of the HYP - Practical board?
by Alaric
June 13th, 2019, 12:32 am
Forum: Computers, TVs & Phones
Topic: Blocked Calls On Landline
Replies: 3
Views: 248

Re: Blocked Calls On Landline

If using 1572 What annoys me is that when you 1471 a dodgy call to get the number, if you test it by dialling it back, you get "the number you have dialled has not been recognised". Why then won't BT decline to connect in the first place? Particularly if it's one of the automated messages...
by Alaric
June 12th, 2019, 7:11 pm
Forum: Share ideas
Topic: Investing in software and IT, e.g. Softcat, Sophos, Saas
Replies: 79
Views: 1347

Re: Investing in software and IT, e.g. Softcat, Sophos, Saas

Alas it's not on iWeb :( I doubt it's available at any UK Broker seeing as it's a US rather than an Irish ETF. That's thanks to the FSA and EU whose approach to investor protection has lead to a position where you can continue to buy the individual components of an index but not a collective contai...
by Alaric
June 12th, 2019, 4:48 pm
Forum: Investment Trusts and Unit Trusts
Topic: Patient Capital
Replies: 37
Views: 2098

Re: Patient Capital

But I agree the WPCT board should boot him off, moving crap to/from his other funds should be off the table unless the trust get them at a deep discount. I believe the transaction was that they issued new shares in exchange for the assets. As the IT shares were standing at a discount, I think on pa...

Go to advanced search