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by kempiejon
July 17th, 2019, 6:38 pm
Forum: Share ideas
Topic: AG Barr
Replies: 39
Views: 832

Re: AG Barr

I do not think anyone who bought today will need to beat themselves up. This is still a good company and probably only suffering a blip. Hang in there for two or three years and see how they do. Thanks Dod. Good advice. No crystal ball and all that. Matt Matt, was it last night's discussions of an ...
by kempiejon
July 16th, 2019, 11:07 pm
Forum: Share ideas
Topic: AG Barr
Replies: 39
Views: 832

Re: AG Barr

Matt,
Yes, as I said I could have bought cheaper than my last buy and I think this is probably a short term over reaction to recent news but as I said I've not investigate further than the commentary https://sharestobeclosed.telegraph.co.u ... 4&epic=BAG
by kempiejon
July 16th, 2019, 10:49 pm
Forum: Share ideas
Topic: AG Barr
Replies: 39
Views: 832

Re: AG Barr

I have a dozen or so FTSE250 shares selected for growth and when I looked a couple of years back BAG had beaten the for a few years and the dividend has been rising steadily with other metrics growing too. I bought in about 3 years ago and topped up beginning of this month, if I'd waited until post ...
by kempiejon
July 15th, 2019, 3:43 pm
Forum: Bank Accounts Savings & ISAs
Topic: First Direct Internet Banking Plus closing
Replies: 6
Views: 306

Re: First Direct Internet Banking Plus closing

swill453 wrote:Probably because it's based on old (Australian I believe) screen-scraping technology*, and not the new fangled Open Banking.


eWise is the Australian Co, I use their own brand system for account aggregation.
by kempiejon
July 15th, 2019, 3:37 pm
Forum: Retirement Investing (inc FIRE)
Topic: SIPP Natural Yield (Dividends)
Replies: 12
Views: 680

Re: SIPP Natural Yield (Dividends)

Does anyone know of a SIPP that allows you to auto-payaway dividends during drawdown, so that you can keep the SIPP invested and only extract the income? Obviously it would also be better if the SIPP allows you to pay charges from outside of the account, so that you don't have to keep any cash in i...
by kempiejon
July 15th, 2019, 10:43 am
Forum: The Natural World
Topic: Potted plant watering
Replies: 4
Views: 336

Re: Potted plant watering

The upended bottle has never worked for me as a slow release, more useful as a way of stopping the water cascading out of my grow bags. I have kept my pots moist whilst on holiday using a capillary system, a strip of rag was pushed into the pot at the edge a few inches into soil, the other end into ...
by kempiejon
July 14th, 2019, 11:49 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: BT Group down over 3% today.
Replies: 77
Views: 4090

Re: BT Group down over 3% today.

BT are one of my HYP's larger contributors to income just ahead of BP, SSE and Taylor Wimpey but all are within my safety and diversification limits. This is the highest yield I've seen from BT for a while now but the dividend has also been static for a couple of years. Perhaps the detractors are he...
by kempiejon
July 9th, 2019, 5:04 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: OLTB's HYP - Topped up ITV and WPP
Replies: 16
Views: 1156

Re: OLTB's HYP - Topped up ITV and WPP

which leads me to a potential new holding of Smith (DS) (SMDS) at a yield of 4.50%. Some recent comments on the boards have been that 'good enough' is better than highest dividend. I could, of course, add to Merchants (which pays a higher yield and adds diversification) but saw in a post elsewhere ...
by kempiejon
July 9th, 2019, 1:32 pm
Forum: Beerpig's Snug
Topic: Making the bed
Replies: 18
Views: 785

Re: Making the bed

. . I haven't been able to get it right as she has so many different covers and cushions I don't know what she wants it to look like when she comes home? Just me, or do other blokes tell their wives 'stuff it, do it yourself?' HYD If this was at work I'd say, if not employee incompetence, it looks ...
by kempiejon
July 9th, 2019, 11:11 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Micro Focus International Interims.
Replies: 7
Views: 962

Re: Micro Focus International Interims.

A good, solid, well-run company doing the unglamorous work of integrating HPE like a snake digesting a gazelle. FCF great. No worries for the dividend. In my view, worth adding to any HY or dividend growth portfolio for the diversification away from the usual sectors. In my view MCRO looks a reason...
by kempiejon
July 8th, 2019, 11:06 am
Forum: Investment Strategies
Topic: Will inherited wealth help or hurt those you love?
Replies: 33
Views: 1887

Re: Will inherited wealth help or hurt those you love?

I don't really see any advantage to forcing the money to skip a generation. It would depend on one's families' personal circumstances but generation skipping is both a valid and sensible course for IHT planning purposes. A colleague has inherited cash and a property, we were having this chat. Her a...
by kempiejon
July 6th, 2019, 11:29 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Lloyds Banking Group
Replies: 11
Views: 1036

Re: Lloyds Banking Group

For those of us retired who actually rely on dividends for our income, quarterly helps to smooth out the income flow. With 29 shares in my HYP there isnt a month with NO income, but October is lowest % of annual dividend income and August is highest at 0.79% and 11.71% respectively. For those of us...
by kempiejon
July 3rd, 2019, 9:31 am
Forum: Company Share news (LSE Main Market)
Topic: Smith(DS) PLC (SMDS)
Replies: 12
Views: 914

Re: Smith(DS) PLC (SMDS)

I first bought SMDS back in 2006/7, shortly before they cut their dividend from 5.52p to 2.82p at the time I was understandably miffed to see my income near half so soon after I committed my cash, still DS Smith weren't my only holding to suffer like that. I'm pretty sure though that SMDS were the f...
by kempiejon
June 29th, 2019, 3:04 pm
Forum: Building and DIY
Topic: Using a plunge router
Replies: 13
Views: 1011

Re: Using a plunge router

I have just acquired a router and have done exactly what you describe, plunging in to cut a slot a third of the thickness of the board deep and not cutting the full width. The channel about 6mm wide a similar depth and about 30cm long. It did not occur to me to start with a drill, in fact it's for j...
by kempiejon
June 28th, 2019, 7:05 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: BT Group down over 3% today.
Replies: 77
Views: 4090

Re: BT Group down over 3% today.

Quint wrote:If there's any chance of them hitting £240, I'll be sorted for life :).
...
Quint wrote:Doh, that of course should have been £2.40.

You're right both ways of course..
by kempiejon
June 25th, 2019, 4:39 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Vodafone topped up
Replies: 136
Views: 6263

Re: Vodafone topped up

I'd echo that question from StepOne I've ruled out VOD for a while because the dividend cover was too thin, I read on the boards that some holders and top uppers were willing to add more money because of good cash flow on the accounts. Now they have cut the dividend, I think even at a reduced level ...
by kempiejon
June 20th, 2019, 11:23 am
Forum: Cars, Driving, Motorbikes or any Transport
Topic: NI number requested by insurance broker
Replies: 17
Views: 1534

Re: NI number requested by insurance broker

Perhaps they want to check your driving licence online with the government. https://www.viewdrivingrecord.service.gov.uk/driving-record/licence-number? Ah! In which case, would it be possible for YOU to use your NI to 'Share' your licence details with the insurer without THEM knowing your NI number...
by kempiejon
June 20th, 2019, 9:15 am
Forum: Cars, Driving, Motorbikes or any Transport
Topic: NI number requested by insurance broker
Replies: 17
Views: 1534

Re: NI number requested by insurance broker

I think this could be to use the newish endorsement record. We use it at work before issuing the company vehicles new drivers to prove they have a clean(ish) driving licence. We sent them to verify their online record at https://www.gov.uk/view-driving-licence where is says View or share your drivin...
by kempiejon
June 20th, 2019, 9:07 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Dividend Danger Zone
Replies: 7
Views: 847

Re: Dividend Danger Zone

Seems they are missing a little on accuracy then as I doubt TUI AG (LSE:TUI) are really a Bookmaker 8.1% 1.8 6 neither are Charter Court Financial Services (LSE:CCFS) Bookmaker and neither William Hill (LSE:WMH) not 888 Holdings are Hotels Restaurants and Leisure. At first glance the yield numbers l...
by kempiejon
June 13th, 2019, 2:38 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Smith (DS) Finals.
Replies: 10
Views: 1919

Re: Smith (DS) Finals.

Ta Ian, SMDS is one of mine, I bought in 2007 or 8 just before they cut the dividend, I think they were my first cutter to restore back to pre cut levels and the dividend increase has gone from strength to strength, doubling and now nearly tripling my purchase income. I sold my unshelteed holdings a...

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