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by Clitheroekid
September 18th, 2018, 12:31 pm
Forum: Beerpig's Snug
Topic: Stormy relationship
Replies: 4
Views: 263

Stormy relationship

I was reading a feature in The Guardian about the new kiss and tell book by Stormy Daniels, which contains certain physical details of POTUS that you really don't want to know (but which, although descriobed quite accurately by TG as `salacious' it was all too willing to print!) - https://www.thegua...
by Clitheroekid
September 18th, 2018, 12:25 pm
Forum: Legal Issues (Practical)
Topic: Splitting an occupied inheritance property
Replies: 17
Views: 499

Re: Splitting an occupied inheritance property

It seems to me that by far the best solution would be just to sell the house and split the proceeds. Taking out what would be a substantial mortgage at the age of 67 with anyone, be it a commercial lender or a friend / relative, is inherently stupid. There may be occasions where it's justified, but ...
by Clitheroekid
September 17th, 2018, 3:10 pm
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: The future for oil
Replies: 0
Views: 105

The future for oil

An interesting article, and food for thought - https://www.ii.co.uk/analysis-commentary/investors-cannot-afford-ignore-megatrend-ii506780/?&utm_source=IBMW&utm_medium=email&utm_campaign=afternoon_newsletter_170918&utm_source=IBMW&utm_medium=email&utm_campaign=Afternoon%20roun...
by Clitheroekid
September 17th, 2018, 12:13 am
Forum: Legal Issues (Practical)
Topic: Splitting an occupied inheritance property
Replies: 17
Views: 499

Re: Splitting an occupied inheritance property

As Lootman says, probably the best solution would be to lend Ian the money to buy the house and secure it with a legal charge against the title. A significant advantage of this is that any capital gain on the sale of the property would be exempt, as it would be Ian's principal residence. If you actu...
by Clitheroekid
September 16th, 2018, 12:20 am
Forum: Does anyone know?
Topic: Trying to buy a print
Replies: 6
Views: 265

Trying to buy a print

Some time ago I saw a print and decided I'd like to own it. It's a limited edition of 150, but so far I've only been able to find one copy for sale and it's in New York. Not only is it too expensive (partly, no doubt, because of the weak pound) but I'd also have to pay VAT on it. There have been a c...
by Clitheroekid
September 14th, 2018, 11:10 pm
Forum: Legal Issues (Practical)
Topic: Setting up a trust
Replies: 21
Views: 776

Re: Setting up a trust

However, having made a few initial enquiries with brokers/platforms such as Halifax and Vanguard it seems that making investments in the name of the trust is not as easy as I first thought. So far, the response has been that they will only accept account applications for personal accounts, not an a...
by Clitheroekid
September 13th, 2018, 9:36 pm
Forum: High Yield Shares & Strategies - general
Topic: N Brown (BWNG)
Replies: 6
Views: 415

Re: N Brown (BWNG)

Off topic, but strangely, I had been looking at this share with you in mind because it seems to be one of those shares which meets (or met?) a criterion you mentioned a while ago, namely one which tends to fluctuate quite wildly, making it a possible share for range trading. I appreciate your bring...
by Clitheroekid
September 13th, 2018, 5:46 pm
Forum: High Yield Shares & Strategies - general
Topic: N Brown (BWNG)
Replies: 6
Views: 415

N Brown (BWNG)

I know that a few HYPers hold this very high yielder, but as always a yield that's too high can mean trouble ahead. Although I don't hold I'd be wondering about the wisdom of doing so - https://www.ii.co.uk/analysis-commentary/n-brown-dives-again-amid-fears-10-dividend-yield-ii506753/ Moved from Pra...
by Clitheroekid
September 13th, 2018, 5:20 pm
Forum: Other Investing
Topic: Peer to Peer - experiences and risk?
Replies: 49
Views: 4604

Re: Peer to Peer - experiences and risk?

He suggests that individual investors should probably now avoid P2P. I can't help wondering whether this is behind the decision to float Funding Circle. It seems to me that all too many IPO's take place when the owners of the company realise that the best years are behind them and that it's time to...
by Clitheroekid
September 13th, 2018, 1:35 pm
Forum: Other Investing
Topic: Peer to Peer - experiences and risk?
Replies: 49
Views: 4604

Re: Peer to Peer - experiences and risk?

has anyone tried rebuildingsociety? they offer a much higher rate of return at 9.5% and they also support small businesses. It's an old cliché that the higher the reward on offer the higher the risk, but like most clichés it's based on truth. Any `investment' offering a secure return of 9.5% is pro...
by Clitheroekid
September 12th, 2018, 12:00 am
Forum: Beerpig's Snug
Topic: A handy guide!
Replies: 37
Views: 819

A handy guide!

I hadn't realised that Ofcom have published a jolly interesting guide to offensive language - and offensive gestures! They are graded into mild, medium, strong and strongest - the very vindaloo of offensiveness. It's a sign of the decadent company I've kept over the years that I knew all but about h...
by Clitheroekid
September 10th, 2018, 9:27 pm
Forum: Beerpig's Snug
Topic: Copper coins
Replies: 20
Views: 640

Re: Copper coins

Many years ago someone gave me a one gallon whisky bottle (sadly empty) and I used it to throw loose change in. In the old days coins such as 5p's and 10p's were larger, but even so a full bottle would usually come out at more than £150. It was a nice surprise every couple of years, though a laborio...
by Clitheroekid
September 10th, 2018, 4:16 pm
Forum: Investment Strategies
Topic: Stop loss positions
Replies: 21
Views: 946

Re: Stop loss positions

Hi, I am interested to know if people apply stop loss positions across the spectrum of shares, UT/IT/ETF's or just shares? Yes, I use them quite often in respect of shares that I'm `trading', i.e. shares that I've bought for a quick profit rather than to keep. I do so in order to try to lock in a p...
by Clitheroekid
September 10th, 2018, 2:13 pm
Forum: Legal Issues (Practical)
Topic: Goods in long-term storage, household-name company recently not replying re: status
Replies: 11
Views: 709

Re: Goods in long-term storage, household-name company recently not replying re: status

I would agree that a letter by post is more likely to receive attention than one amongst a million emails. However, in order for it to have maximum impact it should be addressed to a named individual, and marked `Private and Confidential'. This should ensure that it gets into his hands, even though ...
by Clitheroekid
September 9th, 2018, 11:41 pm
Forum: Beerpig's Snug
Topic: What's your drug?
Replies: 42
Views: 1080

Re: What's your drug?

I'd agree that a lot of the activities mentioned may well be very enjoyable, and I'd particularly endorse fishing, good food and drink and arriving somewhere for the first time, full of anticipation. But I couldn't honestly say that any of them (with the sadly rare exception of hooking a really big ...
by Clitheroekid
September 5th, 2018, 12:46 am
Forum: Comfort Cafe
Topic: One step forward....
Replies: 12
Views: 726

Re: One step forward....

It seems to me that you may be in need of a bit more time by yourself - or `me time' as its glutinously called nowadays. I get the impression that you spend most of your time interacting with other people, and although you presumably enjoy this it may leave you with not enough time for solitary thou...
by Clitheroekid
September 5th, 2018, 12:15 am
Forum: Share ideas
Topic: Slicing an apple
Replies: 9
Views: 422

Re: Slicing an apple

I've been very tempted to do the same. I bought some about a year ago, and they've increased by around 40%, which is incredible for a company of this size. In cash terms it's even more because of the increased value of the dollar. I've been telling myself I need to take some profits for several mont...
by Clitheroekid
September 4th, 2018, 11:46 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Halfords Group 20-week Trading Update
Replies: 8
Views: 334

Re: Halfords Group 20-week Trading Update

I bought some HFD at the end of May, as I felt the sell-off had been overdone. The 1.5 times covered yield of 5.5% was attractive, but as is often the case with shares that I buy my decision was influenced by the fact that it's a company that I've dealt with personally on several occasions, and I li...
by Clitheroekid
September 4th, 2018, 4:23 pm
Forum: Health & Wellbeing
Topic: Rachel Bland
Replies: 0
Views: 251

Rachel Bland

I wasn't sure where to post this. It's not really about health and wellbeing, more about one woman's personal experience of cancer, but although it's of general interest the Snug seemed the wrong place, which is why I've ended up here. I'd never heard of her until I picked up the news story over the...
by Clitheroekid
September 3rd, 2018, 4:26 pm
Forum: Oil & Gas & Energy (Sector & Companies)
Topic: Hurricane Energy (HUR)
Replies: 553
Views: 56862

Re: Hurricane Energy (HUR)

Some interesting (at least to me) commentary here - http://www.proactiveinvestors.co.uk/com ... 04070.html

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