Search found 114 matches

by ayshfm1
July 18th, 2019, 11:04 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: BT Group down over 3% today.
Replies: 77
Views: 5354

Re: BT Group down over 3% today.

Phillip Jansen is loaded - 3 mill is small change to him. He might have had to buy them as part of his contract I'm not sure I'm fully sold on him as a choice. He doesn't need to work, so he's not at BT for the money, which is dangerous in some ways. BT's basic problem is it owns the underlying netw...
by ayshfm1
June 5th, 2019, 9:04 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Non-Standard Finance bid for Provident Financial
Replies: 7
Views: 807

Re: Non-Standard Finance bid for Provident Financial

Woodford being a forced seller currently and the slim majority the result of his support probably had a bit to do with it, the "slim" majority was probably fading away.
by ayshfm1
May 2nd, 2019, 4:45 pm
Forum: Gilts and Bonds
Topic: What next for prefs ?
Replies: 25
Views: 2281

Re: What next for prefs ?

I'm certain LLPC and D could have an Aviva done unto them.

I'm also sure it'll turn into a similar Manure storm if they try it. The holders of the prefs are also the holders of the ords. Just as Aviva found the institutions will use their ords to defend their prefs
by ayshfm1
May 1st, 2019, 11:26 am
Forum: Company Share news (LSE Main Market)
Topic: Sainsbury (J) (SBRY)
Replies: 25
Views: 1483

Re: Sainsbury (J) (SBRY)

Hurrah!

In line with our policy of paying a dividend that is covered 2.0 times by underlying earnings, we propose to pay a final dividend of 7.9 pence per share, bringing our full year dividend to 11.0 pence per share, an increase of 7.8 per cent

Finally it increases a touch
by ayshfm1
May 1st, 2019, 11:22 am
Forum: Does anyone know?
Topic: Smart Meters - Yes or No?
Replies: 37
Views: 1739

Re: Smart Meters - Yes or No?

No from me. I dislike that adverts picturing Children and suggest fitting one will save the planet. In of themselves they don't do any such thing (and even marginally contribute to the planets destruction by dint of having to be made). Some marketing droid thinks insulting my intelligence is a good ...
by ayshfm1
February 25th, 2019, 11:06 am
Forum: Retirement Investing (inc FIRE)
Topic: Almost FIRE
Replies: 29
Views: 2798

Re: Almost FIRE

I'm not convinced that buying your home necessarily leads to wealth creation, I'm not sure it has for me. The fees, taxes, interest and other costs associated with buying and selling houses always grate with me. However it's a way to leverage rises in house prices. I'm sure it was optimal for me, b...
by ayshfm1
February 23rd, 2019, 5:13 pm
Forum: Retirement Investing (inc FIRE)
Topic: Almost FIRE
Replies: 29
Views: 2798

Re: Almost FIRE

On the subject of how much income it should produce. It'll be nowhere near 100K. Assume 250K cash taken, 750K in HYP, I project this will be circa 45K income per year.
by ayshfm1
February 23rd, 2019, 1:10 pm
Forum: Retirement Investing (inc FIRE)
Topic: Almost FIRE
Replies: 29
Views: 2798

Re: Almost FIRE

1K=1000 1KK=1000000 Salary sacrifice is the reason I decided to max contributions to the company pension and take the ISA cash an dthe much larger limits. If I find myself with cash in April I can simply pay it back in. The lower limits in the past meant keeping the cash inside the wrapper made more...
by ayshfm1
February 23rd, 2019, 9:49 am
Forum: Retirement Investing (inc FIRE)
Topic: Almost FIRE
Replies: 29
Views: 2798

Re: Almost FIRE

I decided that it was worth a short summary. Think about the target age you want to be out of the rat race, from the view of whats possible. I considered the various options and for me pensions were the only viable way to do it. Since 55 is when you can (currently) access private pensions 55 became ...
by ayshfm1
February 21st, 2019, 11:23 am
Forum: Retirement Investing (inc FIRE)
Topic: Almost FIRE
Replies: 29
Views: 2798

Almost FIRE

Reading the other posts I thought it might be useful to add my thoughts on the subject. I'm 51 and our investment income exceeds expenditure. I could FIRE but I won't until at least 55. This is partly because much of the income comes from my SIPP and hence isn't accessable until then and then there ...
by ayshfm1
February 14th, 2019, 1:03 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Microfocus an HYP share?
Replies: 50
Views: 2970

Re: Microfocus an HYP share?

We got quoted £1 million by MF for a Cobol license(!)

Decided to run the code through a COBOL to C converter fix the C, profile it and optimise the bits that were performance critical, kept the million. 100K we'd have paid up.
by ayshfm1
February 14th, 2019, 11:47 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: AstraZeneca Full-Year and Q4 2018 Results
Replies: 22
Views: 1210

Re: AstraZeneca Full-Year and Q4 2018 Results

Still got a progressive dividend policy (aka a static one) In fairness I have subsequently looked up this and the accepted meaning is the dividend rises as earning per share does, but it does not fall if EPS does. So if EPS was higher when the current dividend amount was set then it doesn't need to ...
by ayshfm1
February 11th, 2019, 10:50 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: SLA share purchases
Replies: 105
Views: 5354

Re: SLA share purchases

I don't really like them either..

But SLA has a yield of circa 9%, taking these shares out removes that liability, which is quite a big saving.

In the round, I don't think that buying them now is a bad thing.
by ayshfm1
January 18th, 2019, 9:00 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Persimmon Trading Update.
Replies: 35
Views: 1938

Re: Persimmon Trading Update.

He has been pretty rubbish though. It's also not blindingly obvious to me that house prices will crash. I'm rather hoping they do as they are far too high but that prediction has been made many times and they don't, people have to live somewhere. If I'm honest if the yields look good I'll be in the ...
by ayshfm1
January 16th, 2019, 11:46 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Vodafone
Replies: 54
Views: 3801

Re: Vodafone

Best future, fags or mobile phones?

Mobile phones everytime for me. However I held Telewest on the basis that highspeed broadband was a no brainer......
by ayshfm1
October 23rd, 2018, 9:09 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: WPP - HYP candidate evaluation
Replies: 47
Views: 2943

Re: WPP - HYP candidate evaluation

Am not quite a Doris but find balance sheets very difficult to understand.. Indeed, even when they appear OK and you think you understand the position it doesn't always follow you do. I had a look at Patisserie Valerie accounts after it went boom, hoping to learn something and I didn't see anything...
by ayshfm1
October 19th, 2018, 3:39 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Unilever 3rd Quarter Trading Statement
Replies: 65
Views: 3616

Re: Unilever 3rd Quarter Trading Statement

Plus I would struggle to select anything that yielded less than VUKE or CTY, the pooled investments in my mind have less risk than an individual share does and hence a selected share has to justify the extra risk (and that justification is bigger dividend).
by ayshfm1
October 10th, 2018, 9:15 pm
Forum: Computers, TVs & Phones
Topic: HDD to SSD migration problem
Replies: 25
Views: 1084

Re: HDD to SSD migration problem

What happens if you mount the windows partion in Linux (should have NTFS capability)?

All there are visible?
by ayshfm1
October 6th, 2018, 10:11 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Statement from the Board of Unilever
Replies: 47
Views: 2208

Re: Statement from the Board of Unilever

I think the takeover argument never flew, 60% IS in Holland and hence already enjoys immunity from hostile takeover. Unilever could only be taken out if the board recommended it and the shareholders agreed.
by ayshfm1
October 5th, 2018, 10:45 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Statement from the Board of Unilever
Replies: 47
Views: 2208

Re: Statement from the Board of Unilever

Changing the longstanding arrangements for Unilever was never going to generate proportionate shareholder value. Having been compelled to look at Polman in more detail it became clear he doesn't actually view his job as serving shareholders. He always said he had a much wider remit. His first act w...

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