Search found 999 matches

by Dod1010
September 26th, 2017, 9:57 am
Forum: Beerpig's Snug
Topic: Talk about"snugs" ...
Replies: 33
Views: 2206

Re: Talk about"snugs" ...

There is a statue recognising the regional weather in the open-air part of a shopping mall near the Raffles Hotel in Singapore on which is inscribed 'It's not the heat, it's the humidity'. That's so true. You can deal with say 35C reasonably easily by adjusting clothing, similarly -20C. But humidit...
by Dod1010
September 25th, 2017, 7:57 pm
Forum: Books and Reading
Topic: Book bucket list
Replies: 7
Views: 927

Re: Book bucket list

Steinbeck 'Of Mice and Men'

Dod
by Dod1010
September 25th, 2017, 4:57 pm
Forum: Does anyone know?
Topic: garden socket
Replies: 68
Views: 4240

Re: garden socket

If I use the Lap Voltage tester and it shows negative am I safe just to chop off the cable? I'd not touch it at all until I'd found the other end of it. If that means digging it up, starting from the end you can see, then that's where I'd start too... Itsallaguess I agree with that. I am now wonder...
by Dod1010
September 25th, 2017, 4:17 pm
Forum: Does anyone know?
Topic: garden socket
Replies: 68
Views: 4240

Re: garden socket

You have made me highly suspicious of this socket because all I have is a black plastic cable (in good condition) coming out of the ground and disappearing into a thicket of roots and so far I have not been able to even follow it below the surface. If I use the Lap Voltage tester and it shows negati...
by Dod1010
September 25th, 2017, 4:12 pm
Forum: Investment Strategies
Topic: HYP v Basket of ITs
Replies: 78
Views: 8509

Re: HYP v Basket of ITs

Some have refinanced (for example Scottish Investment Trust has but many have not and Edinburgh allowed a very long term one to mature where they were paying about 9/10%, (maybe more), ludicrous as that sounds. Even today, they hold a Debenture at 7 3/4% redeemable on 30 September 2022 (by which tim...
by Dod1010
September 25th, 2017, 1:57 pm
Forum: Investment Strategies
Topic: HYP v Basket of ITs
Replies: 78
Views: 8509

Re: HYP v Basket of ITs

ITs have historically used long dated Debentures for their gearing although that is to some extent changing. The result is that a number of ITs are still paying 7/8% on Debentures arranged maybe 20 years ago. As these mature (investors are understandably not keen to be bought out early except at a h...
by Dod1010
September 25th, 2017, 1:43 pm
Forum: Does anyone know?
Topic: garden socket
Replies: 68
Views: 4240

Re: garden socket

Thanks to all. On my fusebox (well not a fuse box but a lot of trip switches, many of the trips are labelled but alas not this so although that was a good idea I cannot apply it. I am taken with your thoughts, Chris, on the Lap Voltage Tester because that would answer the question of whether there i...
by Dod1010
September 25th, 2017, 11:17 am
Forum: Does anyone know?
Topic: garden socket
Replies: 68
Views: 4240

garden socket

Some of you clever people will be able to help I am sure. After I got a very large tree in my garden cut down I have found to my surprise an electric socket by the trunk (which had been obscured by the branches of this evergreen which at its foot was about 30 feet in diameter) It is the usual garden...
by Dod1010
September 24th, 2017, 5:47 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Next top-up - life insurance - Phoenix?
Replies: 29
Views: 3152

Re: Next top-up - life insurance - Phoenix?

If Wasron reads the Annual Report of Phoenix he will see that there are still about £300 billion of closed funds assets in the UK according to their estimate. They manage about £75 billion so they (and Chesnara) have a lot to go for. It is probably true that this is in most sense a 'dieing (Spelling...
by Dod1010
September 24th, 2017, 1:57 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Next top-up - life insurance - Phoenix?
Replies: 29
Views: 3152

Re: Next top-up - life insurance - Phoenix?

I thought I'd look at the dividend CAGR of insurance companies I've had an interest in (figures include specials): Based on the above, if buying for a growing income stream, I'd be interested in Legal and General, Direct Line Group or Standard life. Admiral might also be worth looking into. The fig...
by Dod1010
September 24th, 2017, 7:27 am
Forum: High Yield Portfolios (HYP) - Practical
Topic: Next top-up - life insurance - Phoenix?
Replies: 29
Views: 3152

Re: Next top-up - life insurance - Phoenix?

As Dod says Phoenix is a zombie insurer, meaning it's closed to new business and making it's money from the legacy books of business it has bought. Revenue is therefore from charges levied on older pensions, which are likely to be higher than those of companies open to new business like Standard Li...
by Dod1010
September 23rd, 2017, 3:32 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: September top up
Replies: 41
Views: 3012

Re: September top up

I am rightly being castigated for being negligent on Vodafone. In truth I am not that happy about Vod or BT. I find their accounts both somewhat opaque and of course BT in particular has that huge pensions deficit. Neither would qualify on grounds of culture. I have had no dealings businesswise with...
by Dod1010
September 23rd, 2017, 3:20 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Next top-up - life insurance - Phoenix?
Replies: 29
Views: 3152

Re: Next top-up - life insurance - Phoenix?

If we are discussing three insurers, I think Aviva is the weakest and it is accident prone. Legal & General is I think the strongest and to dismiss because it cut its dividend 9 years ago does not make sense to me. It cut its dividend at the final for 2008 more as reaction to the financial crisi...
by Dod1010
September 22nd, 2017, 11:43 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: September top up
Replies: 41
Views: 3012

Re: September top up

Arb I am no font of wisdom but to me Vodafone has delivered and keeps delivering. Why worry? (Slightly tongue in cheek but it is getting late) A bit like Shell. Keep the faith. The IC today is if not exactly singing its praises, rates SSE as a buy. With a yield of well over 6% at the moment it is ce...
by Dod1010
September 22nd, 2017, 11:34 pm
Forum: Does anyone know?
Topic: NHS incremental pay
Replies: 29
Views: 1515

Re: NHS incremental pay

I used to work, closely aligned to public sector colleagues, but very much in the private sector. The public sector folk used to get cheesed off when we got an increase of say 5% and they were getting very little say 1%. What the public sector employees forgot of course was that they were in the mai...
by Dod1010
September 22nd, 2017, 11:56 am
Forum: Airport Lounge
Topic: Short trip to Tuscany
Replies: 7
Views: 865

Re: Short trip to Tuscany

You are actually spoilt for choice. Hiring a car? If so go off into the countryside, to any of the main towns but do not forget Vinci(of Leonardo fame) which has a nice museum on the great man and then carry on to Certaldo Alto a bit further south. If using the train, there is a good service from Pi...
by Dod1010
September 21st, 2017, 8:29 pm
Forum: Share ideas
Topic: Swire Pacific B
Replies: 10
Views: 1510

Re: Swire Pacific B

Hi TPD As you say Cathay and Swire Props are the big influences on the quoted bit of the Swire empire in HK. Both are also quite volatile with the result that they are both good trading shares but not really long term buy and hold which is what I prefer. That of course is why they are in the publicl...
by Dod1010
September 21st, 2017, 7:34 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: Rio Tinto to return capital to shareholders
Replies: 10
Views: 1308

Re: Rio Tinto to return capital to shareholders

You who own Rio Tinto plc (the London quoted bit) are apparently getting an additional $1.9 billion allocated to existing funds allocated to buy backs so it is not just the Aus shareholders who will benefit. That is what the report says anyway.

Dod
by Dod1010
September 21st, 2017, 2:22 pm
Forum: Investment Trusts and Unit Trusts
Topic: ITs and Funds For Capital Preservation
Replies: 27
Views: 5176

Re: ITs and Funds For Capital Preservation

I agree about Caledonia and it is a little more interesting than say Personal Assets. I would also put Finsbury Income & Growth in the capital preservation camp because it does so and usually adds a bit on top.

Dod
by Dod1010
September 19th, 2017, 5:08 pm
Forum: Taxes
Topic: income Tax: Gift Aid and Pension reliefs interaction
Replies: 13
Views: 1303

Re: income Tax: Gift Aid and Pension reliefs interaction

My taxable income is quite modest as most of my income is sheltered in ISAs or a SIPP, and most of the rest (the State Pension) is covered by the Personal Allowance. The recent dividend tax changes that somewhat., Dod Money coming out of a SIPP as pension is taxable. Mel Indeed and that is where mo...

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