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Anonymous

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Everything posted by Anonymous

  1. Bought some last year, more last week, and that's me done for silver for the foreseeable, barring a big price drop. I like and agree with DB and others' optimism for a future day in the sun for silver though what I have is intended to be put aside and forgotten about. Under 0.5% of total portfolio. I'll add I'm firmly in the novice category compared to most others on this excellent thread, though I firmly agree with the general sentiment throughout the discussion.
  2. Hmm.. underwhelmed with my 2018 Britannias purchase from GoldSilver. About a £1 cheaper per coin than Silver-To-Go so I gave them a punt. They turned up today, they're clearly 'used' which I do not recall being in the description. Coins I have previously bought from Silver-To-Go are all pristine. And I was somewhat surprised to see the GoldSilver package sitting out in the breeze on my doorstep when I got home tonight. Oh well - nothing ventured, etc. Not sure if my buying experience is typical but I'll be reverting to Silver-To-Go in future.
  3. That's right, transferwise to make the paymentin EUR. I've taken a GS transaction to the point of completion and the final bill states tax incl. Maple leafs well under £14, tempting.
  4. I've used Silver-to-go / Coininvest before and the service was good and I thought their price was the best, and they often get a recommendation on here. But I've just spotted the price at goldsilver.be is quite a bit lower, despite having to pay in EUR. Have I missed some small print and their price is much lower for a reason? These are 2018 Britannias I'm looking at, so presumably tubes of mint coins from both vendors. Today's prices, all taxes included, are £13.95 each for 50 at GS, £15.04 each for 50 at STG.
  5. Goodness me that is insane. Pity the sod buying into a lifetime of debt for the privilege.
  6. Yep. Until now I think there was an inactivity fee payable if I hadn't made a trade for 2 years. -------------- We’re writing to inform you that we’re replacing our share dealing inactivity fee with a quarterly £24 custody fee. You could be subject to the fee if you hold shares or ETFs in a share dealing account or ISA at the end of each quarter. However, it is dependent on your trading activity – so you will be exempt from the charge if you: • Deal three or more times across any of your IG accounts during the quarter • Hold assets worth £15,000 or more across your IG Smart Portfolio accounts at the end of the quarter • Hold no open positions in your share dealing account or ISA at the end of the quarter Any commission you pay on your share dealing, ISA or SIPP accounts during the quarter will also be deducted from the fee. For example, if you placed a single trade in your ISA during the quarter at £8 commission, you would pay a custody fee of £16. But don't forget that you only need to place three trades of any value across any of your IG accounts during the quarter, in order to be exempt entirely from the fee. When will the fee come into effect? Your accounts will be subject to the custody fee from 1 April 2018, which marks the start date of the first quarter’s activity. If you have not met our exception criteria during the quarter – and you have open positions on your share dealing account or ISA on 30 June 2018 – you will be charged in July. Please note that the custody fee will be applied per client rather than per account, and accounts with assets will be allowed to go into deficit as a result of the charge. Why are we implementing a custody fee? Our share dealing service provides active traders with an on-exchange dealing platform, where they can buy and sell UK and international shares at low commission rates and with low currency conversion fees. Offering these assets – and providing safe custody of them – comes at a cost, which we believe should be fairly met by clients who use these services. However, to show gratitude to our active traders and investors, we're happy to reduce or waive the fee for those who meet the trading conditions listed above. For more information about the custody fee, please visit our website. Or to see our fees and charges in full, click here.
  7. I've got an IG account where I make relatively small and infrequent trades that cost £8 a time. Got an email from IG on Tuesday to say my account, if it holds any assets above £0 or below £15,000, will be subject to a minimum charge of £24 a month. The scale I'm investing at I might as well shut the account, which won't lose me any sleep. Is this increase a growing trend across all trading platforms or does the rise just bring IG into line with the rest? I'll take this chance also to say what a great thread this is, picked up so much knowledge here. Complex subjects explained very well for laymen like me. Thanks all.
  8. Result The vendor may have got more had they not pissed around with beyond-greedy asking prices over the summer. Expensive lesson! Time has marched on, they ought be happy to get out with £700k.
  9. I see from the Barnard Marcus thread this went for £700k today. Be interesting to see what becomes of the place.
  10. Where's the wholesale ticket price?! Max stamp duty payable as part of the prize is £5k, not the £14k an 'investor' or existing home owner would have to pay. Coming to PropertyTribes in early 2018... Is it me, or is there a definite lack of interest with property raffles now. I tried to raffle a property in Dagenhan last year and did not sell one ticket on it!
  11. From start to finish, what an embarrassing article. Surely it's a spoof!
  12. Just spotted this place is now up for auction - Nov 14. http://www.rightmove.co.uk/property-for-sale/property-62405455.html https://auctioneertemplates.eigroup.co.uk/LotDetails.aspx?LotID=890526&a=5&c=brn
  13. Wtf, digging me out as a troll Si1? As a long time lurker on here I am genuinely mortified. Replace too cheap with below current market value. It'll sell, that's what I meant. The market is as mad here as anywhere. The one thing they've probably done right is market this as a house rather than flats. Relatively high demand for family houses here (Londoners priced out). Plenty of awful flat conversions in what could once again become good family homes in well built structures.
  14. I live in Tunbridge Wells and know the market pretty well here. The listings at £1.25m and £1m are truly bonkers, at no time would they have been anything but. £500k is too cheap but enough to bring any interested parties through the door. The general location and look of property shouldn't make this a tough sell as a renovation project to a developer or home buyer. The agent has had an absolute shocker with this!
  15. Noted, I'll keep Hale to hand. Target - was previously to retire around 55ish but with no real idea of how much I'd need nor a plan how to get there. Target is now 55 - no 'ish' about it. In a spreadsheet my monthly actual and projected costs of living are now linked to actual and projected investment sums and at any time I can see where I am and need to get to. With that 'model' now set up it's no effort to maintain. I'm well on track and will need less than I thought. Having this clear target is the big recent change for me. Strategy couldn't be less spectacular but is simple - carry on piling into salary sacrifice while the going is good; when that goes soon ISA's will come into play; get the mortgage cleared by 50 (low rate 10 year fix expires at 48); in years 50-54 make sure non pension savings are enough to see me home from 55 to private pension access. Next bit is at odds with your stance but is short term for at least until I learn more about investment choices - the pension fund is now entirely in GBP cash. But I'm struggling to see where any value is right now even in a diversified portfolio, so despite cash being my default 'do nothing' choice I'm not entirely convinced it isn't also the best place to be in in any case - I'm happy to be educated if you disagree! Amazon, sure I'll take a look. You have some unfair reviews from some people, which is undeserved. Yes saw your recent blog updates, and well done. They reminded me to get back to you on here!
  16. Hale book - technically very good, not one I've read cover to cover as I find the content heavy going. But has helped with my general understanding and I dip in and out of chapters now and then. Glad I bought it. Your book - well suited to me given our outlook and targets are similar. Read cover to cover and still dip in and out of it. Your blog tops up the book content so I check on there every few weeks to see if you've posted. I now have a target that is realistic with a strategy that works for me; your book has certainly played a part in getting to this point, so thank you.
  17. No - thank you for the tip, I'll take a look at that.
  18. That's the bit that doesn't stick for me, knowing how to pick the right funds. I can see the risk rank of 1-7 of each fund. Making a choice of fund might be based on that and a bit of a hunch depending on the stated objectives of the fund. But I've got no deeper knowledge than that. As for picking shares - forget it! I do believe in looking away from the crowd to make the best gains and avoid big losses. My current problem is I'm stuck bang in the middle of the crowd (!!) sitting in a middle risk rank, low fee, default fund - but lacking the skills to juggle from one fund to another or spread risk through a variety of funds. Agree that once I 'get it' I'll be set. That moment hasn't come yet, so quite frustrating.
  19. Thanks again. I'm expecting this to be 58/59, your expectation of it being 60 for you is a wake up call for me! Less generous tax relief on pension contributions will be my cue to put money in ISAs. Another question! Saving hard - with much effort to make this a habit it now comes as second nature so I do it without thinking about it. Easy, and huge gains to be had. Investing wisely - I feel the time and effort to learn what's needed here is better served working overtime in return for increased salary/bonus. Sticking money away is a very simple choice for me - pension (low fee, middle risk fund), work share schemes or a mortgage overpayment. Looking back, do you sense you'd now be materially better off / worse off if the time you'd spent investing wisely was instead used to earn more money and limiting yourself to a small range of default investment choices needing little time/thought?
  20. So from this small straw poll the consensus is.. Pile into the salary sacrifice while the going is good. Tax free lump sum in the long term could be watered down / gone. State pension opinion divided. (there is some hope!) If the tax relief and tax free lump sum scenarios play out as expected an ISA becomes more efficient than a pension; the only benefit of the pension being that it's locked up to avoid temptation. Thinking that through I guess the tax relief AND tax free allowance both going would be remote as the disincentive would be too great.
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