Search found 1093 matches

by kempiejon
August 21st, 2019, 12:35 pm
Forum: Retirement Investing (inc FIRE)
Topic: "Keep two years' expenditure in cash"
Replies: 17
Views: 954

Re: "Keep two years' expenditure in cash"

I like Premium Bonds; as a couple that's £100k and all interest tax free; I'm not sure what your annual expenditure is but that'd cover most of mine for 3 years. I do hold a couple of bond/gilt ETFs too. I have a month or so in interest paying current accounts at a %, Tesco have just cut from 3% to ...
by kempiejon
August 20th, 2019, 1:08 pm
Forum: High Yield Shares & Strategies - general
Topic: Greene King £8.50 bid - possible income options for proceeds....
Replies: 10
Views: 851

Re: Greene King £8.50 bid - possible income options for proceeds....

I hold GNK in my HYP, it has been static on the income front for several years and previously not forecast much to come. I may as well embrace the opportunity to swap out this static dividend for a chance to look at an income share with a history and hope of rising dividends. That said I do get frus...
by kempiejon
August 20th, 2019, 9:23 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Greene King - SOLD!
Replies: 103
Views: 2626

Re: Greene King - SOLD!

Things are always difficult for pubs - have been as long as I have been investing. As you say, nothing is forever, which is why they have adapted by becoming servers of food. However, I'm assuming these new owners can see what a good company this is and have confidence in the future. Unless, of cou...
by kempiejon
August 19th, 2019, 4:29 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Greene King - SOLD!
Replies: 103
Views: 2626

Re: Greene King - SOLD!

idpickering wrote:Greene King up 51%. Yes you read that right. ;)

I hold, and shall continue to do so.

Ian.


Not for much longer Ian CK Asset holdings want your shares.
by kempiejon
August 17th, 2019, 1:02 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: When to Top-Up a HYP not yet in Drawdown (spun out of ITH's Pyad update)
Replies: 24
Views: 1042

Re: When to Top-Up a HYP not yet in Drawdown (spun out of ITH's Pyad update)

I seem to recall that studies have shown that there is no significant advantage or disadvantage in investing immediately before or after a share goes ex-dividend, so as a HYP investor I simply ignore dividend dates until I actually own the share concerned. VRD Talking of Gengulphus I think he did t...
by kempiejon
August 15th, 2019, 3:50 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: impulse sell, oh dear
Replies: 22
Views: 1116

Re: impulse sell, oh dear

While I am interested in the company, acknowledge they are FTSE250 with 5 years of increasing dividends, I wonder whether TMFPyad would ever have invested in 'Tritax Big Box' :-) As I remember Pyad preferred the bigger index, as I do myself, but would not explicitly rule out a 250; is it the highes...
by kempiejon
August 11th, 2019, 5:34 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Potential August topups
Replies: 37
Views: 1667

Re: Potential August topups

After much pickering, here is my final decision:- I've set buys for tomorrow which will bring both Aviva and Lloyds up to median strength. This this the maximum I can do at present within that particular account, and the result should satisfy all my usual self-imposed limits. SLA, BT and PSN will p...
by kempiejon
August 11th, 2019, 3:17 pm
Forum: High Yield Shares & Strategies - general
Topic: When to draw down the capital
Replies: 24
Views: 1049

Re: When to draw down the capital

Has anyone given thought to this? If as an income seeker you merely see capital as a means to an end, at what point would you start to draw on the capital to supplement the income? You could use a Savings Withdrawal Formula, substituting interest rate for yield, to guesstimate an amount you can sta...
by kempiejon
August 10th, 2019, 4:54 pm
Forum: Computers, TVs & Phones
Topic: How do I stop my computer from listening to me
Replies: 18
Views: 612

Re: How do I stop my computer from listening to me

They said I was paranoid when I put tape over my laptop's microphone and camera. I wouldn't be surprised if after you turned the microphone off they turned it back on again. Or even, if you turn it off it actually stays on, listening. I did an experiment a few months ago and spoke about llama farmin...
by kempiejon
August 9th, 2019, 10:13 pm
Forum: Building and DIY
Topic: Electric Screwdriver - Wooden Fence
Replies: 23
Views: 1072

Re: Electric Screwdriver - Wooden Fence

I do a fair amount of DIY and was interested to hear that average male grip strength has reduced by 20% over the past 20 years, with that info I generally try to use hand tools over power tools. I use mostly screws for fences, though if you've already bought the consumables, ribbed nails will work i...
by kempiejon
August 9th, 2019, 12:42 pm
Forum: High Yield Shares & Strategies - general
Topic: Selection of underperforming shares
Replies: 135
Views: 5849

Re: Selection of underperforming shares

By contrast Legal & General's price today is around the same as it was five years ago, notwithstanding the increase in dividends. Total Return over five years is quoted as 5.58% as against FTSE 100 of 6.29%. Total Return is a little lower than the FTSE which if you were an out and out dividend ...
by kempiejon
August 6th, 2019, 4:16 pm
Forum: Building and DIY
Topic: Pressure Sprayer container leak
Replies: 17
Views: 777

Re: Pressure Sprayer container leak

Can you get inside the vessel or can you only access the outside? If you can get inside could a blob of silicone sealant work? If you can only get to the outside if the plastic is of the thermoplastic type and thick enough I'd consider heating and smearing with a soldering iron? Epoxy putty is anoth...
by kempiejon
August 1st, 2019, 2:06 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: RSA Interim results
Replies: 1
Views: 233

Re: RSA Interim results

I've not held for quite that long but I've experienced an erratic income from them. I see in 2000 they were giving 94p per share, since then it's been as low as 2p in 2014, spend much time around 20/30p but climbed to 40p before falling back again, the past 5 years the income has been moving in the ...
by kempiejon
July 31st, 2019, 12:10 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Taylor Wimpey Half Yearly Report.
Replies: 4
Views: 300

Re: Taylor Wimpey Half Yearly Report.

That's a heck of an increase in the interim dividend..up 57%. Indeed. I'm away from my spreadsheet today but I'll check later as I expect that puts TW. as my largest income stream - not so large for me to do anything about it but exclude additional money. Divienddata shows a 5 year 60% CAGR in divi...
by kempiejon
July 30th, 2019, 9:15 am
Forum: How Do I Invest
Topic: SIPP, ISA or Both?
Replies: 15
Views: 838

Re: SIPP, ISA or Both?

So long as you are sensible and not obsessive about the tax tail wagging the dog to the exclusion of all else, for a majority of people investing should probably be focused initially and predominantly on making full use of pension wrappers. tikunetih, I agree that the pension is a handy wrapper and...
by kempiejon
July 29th, 2019, 4:47 pm
Forum: Investment Strategies
Topic: Junior ISA
Replies: 22
Views: 1236

Re: Junior ISA

Bouleversee wrote: -- Global Index Tracker but haven't investigated them yet. Must get on with it. I have suggested to a few people to check the vanguard world ETF VWRL as a starting place if looking for a global tracker. I too think SMT is a focused IT. Discussions of the Vanguard stable and globa...
by kempiejon
July 29th, 2019, 12:40 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: AstraZeneca: Where Has All the Cash Gone?
Replies: 82
Views: 6450

Re: AstraZeneca: Where Has All the Cash Gone?

Not sure which thread this should be on but I have just trimmed AstraZeneca at £70 and I see that it is now quoted at £70.56. Amazing. Now what to do with the proceeds? Dod What indeed? Do let us know. It will be interesting to see at the end of a year whether the increase in dividend after buying ...
by kempiejon
July 25th, 2019, 6:17 pm
Forum: Retirement Investing (inc FIRE)
Topic: FIRE hits The Guardian
Replies: 15
Views: 2070

Re: FIRE hits The Guardian

Is this a bit like the old adage those that can do those that can't teach? To mix my metaphors those bloggers that have monetised their discussion of getting out of the 9-5 have got out of the rat race and run to their own tune. I can see FI not far down the track but I'm not sure I'll RE I might ju...
by kempiejon
July 25th, 2019, 1:39 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Unilever 2019 First Half Year Results
Replies: 10
Views: 942

Re: Unilever 2019 First Half Year Results

Thank you guys. I’m of a certain age as far as computers go obviously. Back to Unilever though, I may well top up my holdings soon. Ian. Back to ULVR, great history, from what I cans see over 20 years of inflation beating rises. Very occasionally comes into range but sub 3% so currently excluded fr...
by kempiejon
July 25th, 2019, 8:21 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Is Berkeley Group (BKG) a high yield share?
Replies: 13
Views: 1116

Re: Is Berkeley Group (BKG) a high yield share?

Nope - yield of 1%. Was Berkeley a HYP share? For my portfolio I'd like to see a record of increasing dividends, usually a 5 year history. Berkeley probably had that back in 2004 but at the time yielded about 2% and certainly wasn't on my radar. In 2014 it had around 2 years of growth and was yieldi...

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