Search found 476 matches

by StepOne
February 15th, 2019, 1:53 pm
Forum: Taxes
Topic: Tax Calculation Questions
Replies: 5
Views: 373

Re: Tax Calculation Questions

Band -Taxable income -Tax rate Personal Allowance -Up to £11,850 0% Basic rate - £11,851 to £46,350 - 20% Higher rate - £46,351 to £150,000 - 40% Additional rate over - £150,000 - 45% Different if you live in Scotland of course. But the same for dividends, even if you live in Scotland. To add to th...
by StepOne
February 8th, 2019, 1:39 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: RNS announcements posted on this board.
Replies: 27
Views: 1062

Re: RNS announcements posted on this board.

For me it's a good move. It was already the busiest board here, and a few less posts each day will help.

Cheers,
StepOne
by StepOne
February 5th, 2019, 12:56 pm
Forum: How Do I Invest
Topic: 20Yrs Dormant Portfolio still alive?
Replies: 4
Views: 525

Re: 20Yrs Dormant Portfolio still alive?

You could start by opening a couple of ISAs (if you don't already have them?) . You can put in 20k each a year. So you could have 80k sheltered from tax this way by April. Apart from the financial benefits it also means you never have to worry about them from a tax return point of view. The next thi...
by StepOne
February 4th, 2019, 12:14 pm
Forum: Computers, TVs & Phones
Topic: Avast Antivirus
Replies: 9
Views: 475

Re: Avast Antivirus

Another one here who has used Avast and now got rid of it (I thought they had discontinued the free version anyway?). Now use Windows Defender which seems good enough.

Cheers,
StepOne
by StepOne
February 4th, 2019, 11:54 am
Forum: Building and DIY
Topic: Insulating under a house
Replies: 10
Views: 637

Re: Insulating under a house

I But take care not to leave any wood in cold/moist/stagnant air pockets or you will get rot. Thanks for all the responses so far. Picking up on dspp's point about rot... if I use any kind of board type insulation, there is bound to be a gap between the insulation and the floorboards above. Is this...
by StepOne
January 31st, 2019, 2:21 pm
Forum: Share ideas
Topic: PATISSERIE HOLDINGS (CAKE)
Replies: 160
Views: 6038

Re: PATISSERIE HOLDINGS (CAKE)

I am not an investor in Patisserie, or an accountant, or even a customer. But I had a look at the 2017 annual report. Total stated income was £114m from 198 shops plus a single bakery supplying other similar businesses. So excluding the bakery, that was an annual income of £575,758 per shop, or £11...
by StepOne
January 31st, 2019, 10:19 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: BHP special dividend
Replies: 32
Views: 1527

Re: BHP special dividend

Income.
by StepOne
January 31st, 2019, 10:08 am
Forum: Building and DIY
Topic: Insulating under a house
Replies: 10
Views: 637

Insulating under a house

Hi all, Another insulation question! We moved house last June into a property built on a slope where the bedrooms are downstairs, below ground level at one side. We are experiencing our first winter there, and it definitely feels chillier than our last place, especially downstairs, and doubly-especi...
by StepOne
January 28th, 2019, 12:15 pm
Forum: Property Investment Discussions
Topic: £152,005 p.a. - for just £1
Replies: 22
Views: 1311

Re: £152,005 p.a. - for just £1

I know a bit about this shopping centre. Currently net income is -190k per annum (yes, that's a minus sign) due to the rates system up here. The full story is being written up by a local journalist. I'll post a link here once it's available.
by StepOne
January 24th, 2019, 2:28 pm
Forum: Laughing Lemons
Topic: Police Press Release
Replies: 23
Views: 1233

Re: Police Press Release

Is he now in a stable condition?
by StepOne
January 21st, 2019, 9:46 am
Forum: Portfolio Management & Review
Topic: Why to 'Invest and forget'
Replies: 8
Views: 1094

Re: Why to 'Invest and forget'

Buffet bought into Tesco, a UK supermarket, sold at massive loss but this doesn't appear in discussions. Buffet bought heavily into Apple and made a fortune, but will he sell out and admit that he bought and sold at the right time, or just pocket the money and use it to hide losses? None of that ad...
by StepOne
January 17th, 2019, 4:12 pm
Forum: Building and DIY
Topic: Wall Tiles or PVC Paneling in Bathroom?
Replies: 18
Views: 654

Re: Wall Tiles or PVC Paneling in Bathroom?

I do not much like any tiles, but need to have them in the shower and around the wash hand basin. I hate fully tiled bathrooms no matter how tastefully done. They are cold and soulless, or at least they look cold and soulless. When you can have a fair amount of the wall painted you can change the c...
by StepOne
January 17th, 2019, 10:05 am
Forum: Building and DIY
Topic: Wall Tiles or PVC Paneling in Bathroom?
Replies: 18
Views: 654

Re: Wall Tiles or PVC Paneling in Bathroom?

We recently moved into a house which has this, floor to ceiling around all four walls of the bathroom and it looks TERRIBLE! It feels like we live in a care home. This is mainly because of the pattern they have chosen - a sort of light brown marble effect. I saw something very similar recently on a ...
by StepOne
January 15th, 2019, 1:22 pm
Forum: High Yield Shares & Strategies - general
Topic: Merchants top-up
Replies: 20
Views: 1749

Re: Merchants top-up

jackdaww wrote:
moorfield wrote:
Itsallaguess wrote:
Image



Looks like a HYP with a beard on to me. ;)

================================

yes indeed , would probably do just as well as most HYP's , if not better , without the fuss.

8-)


Apart from the charges, of course.
by StepOne
January 15th, 2019, 9:36 am
Forum: Beerpig's Snug
Topic: Year 2000
Replies: 14
Views: 628

Re: Year 2000

When I started out as a graduate trainee programmer in 1981 I remember pointing out to the Project Manager and Lead Programmer that these programs wouldn't work in 2000. They laughed at me saying, "Don't worry about that - no-one will be using this software in 2000!" Who was laughing in 2...
by StepOne
January 15th, 2019, 9:33 am
Forum: Beerpig's Snug
Topic: CD, VHS and DVD
Replies: 24
Views: 646

Re: CD, VHS and DVD

AleisterCrowley wrote:I could never accept listening to music as MP3, other than on a small portable device where quality (or lack of) is less important.


Or in the car, where I drown everything out with a tuneless warble anyway.

Or at a party. Same reason :D

StepOne
by StepOne
January 15th, 2019, 9:31 am
Forum: Investment Strategies
Topic: How time affects the rules-based v active funds debate
Replies: 23
Views: 698

Re: How time affects the rules-based v active funds debate

Any chance we can stop beating up Rob every time he posts? The '64%' figure is not crucial to his argument. He is just suggesting that active funds change manager frequently, so you shouldn't judge them over long time periods. He seems to get a pretty rough ride every time he sticks his head over th...
by StepOne
January 10th, 2019, 10:21 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Pearson: am I at the tipping point?
Replies: 36
Views: 1249

Re: Pearson: am I at the tipping point?

Aka kicking the can down the road. Dod You say that like it's a bad thing :lol: I note your 'lol', so I am not sure of your point, but yes I do not think there is much point in that. What is going to happen in six month's time which will tell you something you do not know now? Not a lot is the only...
by StepOne
January 10th, 2019, 9:50 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Pearson: am I at the tipping point?
Replies: 36
Views: 1249

Re: Pearson: am I at the tipping point?

Dod101 wrote:
StepOne wrote: If I were you, I would do nothing for 6 months and review the situation then.


Aka kicking the can down the road.

Dod


You say that like it's a bad thing :lol:
by StepOne
January 8th, 2019, 12:37 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Pearson: am I at the tipping point?
Replies: 36
Views: 1249

Re: Pearson: am I at the tipping point?

Well if it's confession time, I was forced to liquidate part of my HYP about a year ago to fund a house purchase, and Pearson was one of those I chose to dispose of completely. Since I sold it has risen 31%. If I were you, I would do nothing for 6 months and review the situation then. Cheers StepOne

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