Search found 3356 matches

by Alaric
August 21st, 2019, 12:55 pm
Forum: Does anyone know?
Topic: Paying off the mortgage.
Replies: 13
Views: 364

Re: Paying off the mortgage.

if I had my time again I would have let my mortgage run for another 10 years, paid it down more slowly, and as a result probably now have at least another hundred thousand quid in my ISA if not £200K or more It's a variation on the concept of endowment mortgages. At one time financial advisers were...
by Alaric
August 21st, 2019, 12:44 pm
Forum: Retirement Investing (inc FIRE)
Topic: "Keep two years' expenditure in cash"
Replies: 3
Views: 46

Re: "Keep two years' expenditure in cash"

I have in the back of my mind that for some spending or large purchases the amount of very cheap short term credit available to me with credit card balance transfer or introductory purchase periods of a couple of years could be deployed. For large purchases, you could wait to be surprised. In other...
by Alaric
August 21st, 2019, 12:11 pm
Forum: Taxes
Topic: HMRC in a forgiving mood.....
Replies: 5
Views: 422

Re: HMRC in a forgiving mood.....

By contrast to the thread title the Daily Mail has a piece where the opposite seems to apply. https://www.dailymail.co.uk/money/taxbeating/article-7376787/Self-employed-face-losing-homes-innocently-using-tax-loophole.html That's HMRC taking action against those who used schemes where they "borr...
by Alaric
August 21st, 2019, 10:09 am
Forum: Portfolio Management & Review
Topic: Would welcome feedback regarding nearing-retirement portfolio
Replies: 3
Views: 80

Re: Would welcome feedback regarding nearing-retirement portfolio

happyemailer wrote:I chose Fidelity to help reduce fees, decent online platform and wider choice then Aviva.


There are also platforms that charge a £ amount for dealing and custody, but nothing as a percent of value even for OEICs.
by Alaric
August 21st, 2019, 10:03 am
Forum: High Yield Shares & Strategies - general
Topic: HSBC - Good time to top-up ?
Replies: 9
Views: 252

Re: HSBC - Good time to top-up ?

provided of course that the company still looks like a decent HYP share This is the general board. It doesn't matter whether a share fulfils the arbitrary conditions for being "decent HYP". HSBC has a 7% yield according to today's dividenddata. Perhaps partly driven by HSBC, the FTSE 100 ...
by Alaric
August 21st, 2019, 9:37 am
Forum: Portfolio Management & Review
Topic: Would welcome feedback regarding nearing-retirement portfolio
Replies: 3
Views: 80

Re: Would welcome feedback regarding nearing-retirement portfolio

Moving to Fidelity gives me a chance to start a portfolio from scratch, and here's my current draft. You are likely to be running your SIPP from when you retire on the basis of withdrawing interest and dividends. Depending on how much weight you put into each fund or ETF, there's quite a bit of low...
by Alaric
August 20th, 2019, 9:26 pm
Forum: Does anyone know?
Topic: Paying off the mortgage.
Replies: 13
Views: 364

Re: Paying off the mortgage.

As far as paying off the mortgage is concerned... If there are enough funds to pay off the mortgage without cashing the ISA, leaving your wealth in a tax free shelter would be desirable. Even if there aren't, it should be worth maximising what's left to have as much as possible ring fenced in the I...
by Alaric
August 20th, 2019, 8:21 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Greene King - SOLD!
Replies: 96
Views: 2024

Re: Greene King - SOLD!

Any thoughts as to why the price dropped today and is sitting about 8p below the offer price? Does this suggest there is concern the deal won't go through? I'm temped to sell, for the sake of 8p per share I do not want to risk the deal falling over while I still hold the shares! Perhaps there is co...
by Alaric
August 20th, 2019, 6:43 pm
Forum: High Yield Shares & Strategies - general
Topic: HSBC - Good time to top-up ?
Replies: 9
Views: 252

Re: HSBC - Good time to top-up ?

PrefInvestor wrote:Appreciate any considered opinions/thoughts ?.


If you look at the dividend history it's been flat in dollars. How would the yield and risk compare to a Pref? On the upside, there is one, unlike a Pref. Easier to cancel the dividend with an Ordinary and the price might fall further.
by Alaric
August 20th, 2019, 5:59 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: The history of HYP4, and the possibility of reviving it
Replies: 55
Views: 1403

Re: The history of HYP4, and the possibility of reviving it

And if I am correct then what this suggests is that a 25-share HYP is a proxy for the (say) FTSE-100 except with additional risk concentration. Possibly also the total return would approximate to the universe from which the shares were drawn. More of it would take the form of dividends, which could...
by Alaric
August 20th, 2019, 8:26 am
Forum: How Do I Invest
Topic: Returning expat advice please-buying ETFs and platform choice.
Replies: 5
Views: 156

Re: Returning expat advice please-buying ETFs and platform choice.

sloth wrote: does paying an ongoing percentage give us something extra that I'm failing to see?


Worth checking the small print. Those charging as percentage of value like Hargreaves will usually cap the annual charge at a fairly low amount to make them competitive for larger asset values.
.
by Alaric
August 20th, 2019, 12:12 am
Forum: Beerpig's Snug
Topic: Null - avoid!
Replies: 24
Views: 548

Re: Null - avoid!

AsleepInYorkshire wrote:Was it "whale oil"?


Of course.
by Alaric
August 19th, 2019, 11:52 pm
Forum: Beerpig's Snug
Topic: Null - avoid!
Replies: 24
Views: 548

Re: Null - avoid!

There are two vehicles in the Ilkeston area, where I used to live, which somehow slipped through the DVLA decency filter. In similar vein, tee-shirts have been printed with the expression "well oil beef hooked" It's a test for non-English natural speakers or even those unfamiliar with Mid...
by Alaric
August 19th, 2019, 11:11 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: The history of HYP4, and the possibility of reviving it
Replies: 55
Views: 1403

Re: The history of HYP4, and the possibility of reviving it

Since HYP4 has morphed into a son of HYP1.... Compass and Rentokil to the rescue. But does that illustrate another principle? Pick 15 different stocks, they don't have to be notionally high yield and Rentokil certainly wasn't when it suspended the dividend. Wait ten or more years, a couple of them ...
by Alaric
August 19th, 2019, 3:05 pm
Forum: Computers, TVs & Phones
Topic: Search and copy certain files please?
Replies: 14
Views: 238

Re: Search and copy certain files please?

Itsallaguess wrote:
pushd C:\source
for /r %%a in (*.epub*) do (
COPY "%%a" "C:\destination\%%~nxa"
)
popd



pushd and popd are developments to DOS when it retreated to just being a command line subset of Windows.
by Alaric
August 19th, 2019, 2:55 pm
Forum: High Yield Shares & Strategies - general
Topic: What PYAD has said about selling
Replies: 32
Views: 1289

Re: What PYAD has said about selling

I bought Centrica in December 2011 on a forward yield of 5.4 % - less than that of other utilities at the time. The price was already sliding, December 2010 being around 330, dropping to 290 over a year. It may not have been utility sector related, as SSE had climbed modestly. If you buy on yield w...
by Alaric
August 19th, 2019, 2:42 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Trimmed back Compass CPG
Replies: 13
Views: 876

Re: Trimmed back Compass CPG

Did you include the special dividend(s); there was at least one large one during that period. How is total return calculated over a 10 year period? I should have thought it was more than that. Presumably that is an annualised figure allowing for compounding. Is there a quick way of doing that? I ju...
by Alaric
August 19th, 2019, 2:21 pm
Forum: Computers, TVs & Phones
Topic: Search and copy certain files please?
Replies: 14
Views: 238

Re: Search and copy certain files please?

What's a DOS command to do this In DOS you use the dir command. dir /? will give the various search and display options. You then direct the output to a file using the > symbol and edit the file into a DOS batch file to do the copying. That's the 1980s method, other more sophisticated methods are n...
by Alaric
August 19th, 2019, 2:13 pm
Forum: Taxes
Topic: Paper Certificate shares / Common Reporting Standard
Replies: 14
Views: 400

Re: Paper Certificate shares / Common Reporting Standard

Important to note that paper share certificates are wall decorations. Only the name/address on the share register matters. So how the shares are held wouldn't matter to the registrar. If you hold through a platform or Broker, the registrar will only know name and address if the platform tells them....
by Alaric
August 19th, 2019, 2:02 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: The history of HYP4, and the possibility of reviving it
Replies: 55
Views: 1403

Re: The history of HYP4, and the possibility of reviving it

I’m interested in how it has performed. I’d also be interested in any discussion which it might provoke about whether the different selection techniques make any difference. You can look at the individual shares. Tate & Lyle was included. According to the dividend data site, the dividend histor...

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