Search found 1041 matches

by kempiejon
May 23rd, 2019, 6:28 pm
Forum: Passive Investing
Topic: Any suggestions for an ETF based portfolio (income & growth)?
Replies: 2
Views: 221

Re: Any suggestions for an ETF based portfolio (income & growth)?

In my SIPP I have a spread of passives and use all vanguard and specifically exclude UK as I too have a direct HYP. I have VUSA for S&P500, VERX for Europe xUK, VAPX for pacific excluding Japan, VJPN - for Japan, VFEM - emerging markets. Depending on how you weight them there is a yield to be ex...
by kempiejon
May 23rd, 2019, 2:31 pm
Forum: Bitter Lemons
Topic: Titles
Replies: 5
Views: 211

Re: Titles

I love the options on some of these drop down titles, I am Captain when I have my groceries delivered and a loyalty card had me as Arch Bishop - but I can't remember if I added that manually as an "other" or selected it.
by kempiejon
May 23rd, 2019, 2:00 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: TATE & LYLE PLC STATEMENT OF FULL YEAR RESULTS
Replies: 6
Views: 393

Re: TATE & LYLE PLC STATEMENT OF FULL YEAR RESULTS

dividendata have TATE yield at 3.7%. A useful hold for me. https://www.dividenddata.co.uk/dividend-yield.py?epic=TATE&specialDiv=true Ian. Ian, I have held TATE since the first year of HYPing 2005. I still have some in the ISAd bit of the HYP having sold the unsheltered earlier this year. I'm p...
by kempiejon
May 23rd, 2019, 10:42 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: TATE & LYLE PLC STATEMENT OF FULL YEAR RESULTS
Replies: 6
Views: 393

Re: TATE & LYLE PLC STATEMENT OF FULL YEAR RESULTS

I sold unsheltered TATE before tax year end for a profit and to move cash to my ISA. The recycled cash didn't go into Tate, not specifically because I had held off buying TATE in previous years as the dividend had been static for a while; I see I'll not be just now because its not high yield.
by kempiejon
May 22nd, 2019, 8:51 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Marks and Spencer Finals
Replies: 18
Views: 699

Re: Marks and Spencer Finals

Not for me, dividend cut. I'll take any cash inactivity throws up. I see I bought in 2008 with 22.5p per share dividend, it's never been that high in my holding history and offered me 18.7p last year and 13.9p next year.
by kempiejon
May 22nd, 2019, 3:22 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Marston's Interims.
Replies: 36
Views: 1611

Re: Marston's Interims.

I am still building my HYP Income Stream so would rather the price of MARS dropped until such a time as I had a full holding. Ian One fly in the ointment for a growing income stream is that we now know that MARS made that recent commitment to a held dividend, still nigh on 7% yield is probably abov...
by kempiejon
May 22nd, 2019, 11:55 am
Forum: High Yield Shares & Strategies - general
Topic: Losing the faith - should I just sell and move to funds (Poor Performance / Renationalisation)
Replies: 86
Views: 3030

Re: Losing the faith - should I just sell and move to funds (Poor Performance / Renationalisation)

Interest rates weren't dramatically high, and mortgage payments were manageable, but I always had the nagging feeling that I'd get more 'benefit' from paying off my mortgage than I could perhaps ever actually 'quantify' using a calculator... This has definitely turned out to be the case for me pers...
by kempiejon
May 22nd, 2019, 11:30 am
Forum: The Natural World
Topic: Pruning fruit trees in the summer for more fruit
Replies: 15
Views: 343

Re: Pruning fruit trees in the summer for more fruit

However I wondered if anyone here on TLF has similar experiences of natural techniques to encourage more produce, and discourage bi-annual bearing, etc. The standard advice I've seen about this is the somewhat counterintuitive 'thin the fruit at an early stage' - the theory being that by thinning t...
by kempiejon
May 22nd, 2019, 10:20 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: IG Group - Interims
Replies: 14
Views: 811

Re: IG Group - Interims

I had been interested in IG, earmarked for some more research, I don't have a gambler in my HYP. For now static dividend and no real need to have every sector and I think I'll not bother with the extra leg work now. 12 years of double digit dividend growth is a great history and they have had a few ...
by kempiejon
May 21st, 2019, 11:51 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Marston's Interims.
Replies: 36
Views: 1611

Re: Marston's Interims.

I'd probably settle for a reliable 6.8% yield for a year or two, even if the share price flat-lined over that period. However, looking at MARS, the level of debt keeps jumping out at me - it's about twice market cap. The interims make some noises about reducing it, but it remains somewhat eyewateri...
by kempiejon
May 20th, 2019, 5:49 pm
Forum: Does anyone know?
Topic: Showing films at home
Replies: 6
Views: 286

Re: Showing films at home

One can buy a one off outdoor licence from this lot - https://www.filmbankmedia.com/licences/stsl/
by kempiejon
May 17th, 2019, 11:50 am
Forum: High Yield Shares & Strategies - general
Topic: can we spot a cutter?
Replies: 1
Views: 191

can we spot a cutter?

This article has some suggestions https://www.youinvest.co.uk/articles/investmentarticles/172664/four-ways-tell-whether-dividend-may-be-safe I think it's freely available without registration etc. Dividend cover, according to earnings Dividend cover, according to free cash flow Interest cover and ne...
by kempiejon
May 17th, 2019, 10:32 am
Forum: Living Below Your Means
Topic: Le creuset
Replies: 21
Views: 870

Re: Le creuset

I had a lot of burnt on residue* in my stainless steel saucepan. The warm soapy water soak worked ok, but a final go with white vinegar and water brought back the shine, and got rid of the accumulated white discolouration as a bonus! *IKEA frozen mashed potato - impossible to cook without leaving a...
by kempiejon
May 17th, 2019, 10:23 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Specific discussion of Luni's zones, moved from earlier Vodafone thread
Replies: 45
Views: 625

Re: Specific discussion of Luni's zones, moved from earlier Vodafone thread

Why use a proxy - even a very good one - when the real thing is readily available??? Gengulphus posted the link I use, which shows 4.45% today. I use CTY as a proxy because that is what I would buy if I couldn’t find a suitable higher yielding candidate from FTSE100 . ... I have a CTY holding but h...
by kempiejon
May 16th, 2019, 10:09 am
Forum: Financial Software - Discussion
Topic: Stepone_FTSE350_v1-20
Replies: 18
Views: 392

Re: Stepone_FTSE350_v1-20

Genius! How on earth did you find that? Aw Shucks kiloran, no skill, just timing and luck. I use the telegraph website most days, about a week or perhaps 2 ago I was redirected to a holding page for the new look where one would click through to the rest of the new site or down at the bottom was a c...
by kempiejon
May 16th, 2019, 9:53 am
Forum: Financial Software - Discussion
Topic: Stepone_FTSE350_v1-20
Replies: 18
Views: 392

Re: Stepone_FTSE350_v1-20

for those like me who used the Telegraph website for other info can still find much of the data via http://sharestobeclosed.telegraph.co.uk/
From the title I think we can assume that it'll not be there for long.
by kempiejon
May 16th, 2019, 9:03 am
Forum: Does anyone know?
Topic: 'Home delivery' to home/flat or building?
Replies: 4
Views: 367

Re: 'Home delivery' to home/flat or building?

I had a bed and a sofa delivered, by separate firms, to the required rooms, the grocery man offers to bring it to the kitchen - I decline, postie often just leaves it at the front door if I'm not in, more occasionally with neighbours. The fridge was left in the middle of the kitchen as the delivery ...
by kempiejon
May 15th, 2019, 2:47 pm
Forum: The Natural World
Topic: Chancing it
Replies: 1
Views: 132

Re: Chancing it

I've chanced it with beans, they'd just got too big. Squash and courgettes in pots, in and out of the conservatory when it's cold, tomatoes in pots on the patio for overnight shelter but daytime light and heat, keep thinking I can get away with it, sunny south east in a sheltered spot. I have some f...
by kempiejon
May 11th, 2019, 5:15 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Centrica 13%
Replies: 25
Views: 1456

Re: Centrica 13%

We also look for a sustainable and growing income from the whole portfolio (well, I do) and therein lies a conundrum. I appreciate "drawers" may not want to touch it, but "builders" reinvesting for retirement 10-20 years hence may want to ask themselves - look in Centrica's rear...
by kempiejon
May 11th, 2019, 4:24 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Centrica 13%
Replies: 25
Views: 1456

Re: Centrica 13%

Several of "The Wise" I read (one source below) are touting a dividend of 8p (-33%) next year, which offers the brave buyer a "rebased" or "forecast" (take your pick) yield of 8.6%. Going further, a hypothetical cut to 4.2p (-65%) offers 4.5%, coincidentally the same a...

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