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Recent content by LGDT
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L
Eekonomists
You’d drive yourself bonkers if you tried to time your market moves based on self-appointed gurus. The question you have to ask yourself is if these guys are so good then why are they spamming you with offers to buy into their expertise instead of sipping Mojitos, perched on their piles of cash... -
L
Great Sporting Moments
Managed to get to Edgbaston in time to see Brian Lara's last 50 runs in the 501 world record. England v Australia 1998-1999 Ashes in Melbourne - England won by 12 runs with Dean Headley and Darren Gough removing the lower order for for about 10 runs whilst Steve Waugh watched in horror from... -
L
Does anyone here invest in the stock market?
Don't feel smug but I've learned to ignore the "fill yer boots" merchants and the doom-mongers in equal measure. If that makes me smug I'll take it! -
L
Does anyone here invest in the stock market?
Nope. Just don't panic at the day to day to headlines. Stick to your strategy and the good years will outweigh the bad ones. Time not timing, time not timing, time not timing........ -
L
Does anyone here invest in the stock market?
Yup. Started in 1986. Maxed out my PEP then ISA allowance every year since. Partner too. Got into the discipline of monthly investment. Never missed a month since and increased the levels as my rate went up. Our investment strategy was completed in December 2012 at which point we were putting... -
L
Pension Performance
Also remember that you also get a decent CGT allowance. So even if you've maxed out your ISAs you can still plough money into unit trusts, investment trusts, shares and skim off the capital growth up to your limit (double if you have a partner investing with you). OK any divi income that you... -
L
Recommence personal pension contributions?
Agreed. I wouldn't touch a pension with a syphilis-infested bargepole and I wish I knew in 1988 what I know now. Successive governments have been unable to resist fscking about with them to the extent that the disadvantages now far outweigh the benefits. -
L
Recommence personal pension contributions?
Ignore the pension. Put it to bed and use your ISA allowance (and your partner’s too if applicable) to the max. If you’ve any left over cash invest in unit and investment trusts outside your ISA. Remember when the time comes to use the capital from this you still have a decent CGT allowance... -
L
Investing lump sum wisely
Depends on your risk profile. I'd ignore the High St and put it in a retail bond - the Tesco Bank 2018 Bond pays 5%. We put a £25k matured endowment in that about 2 months ago. Plenty of PIBS out there paying 7%+ - Nationwide for example. -
L
Moonlit Guerrilla Golf
Played here in January. First nine in daylight, second under the lights. Interesting although you have to keep the ball straight as the minute you go offline the light dissipates quickly. One hole runs next to a creek which when night fell emanated a lot of hissing - I kept my drive well to... -
L
Voting Conservative
The new Tories have to be touchy-feely to garner the middle ground Mondeo-men and Worcester-women they lost in the mid-90s. As more of a rabid libertarian than a rabid Tory I believe in the basic Adam Smith principles of self-interest and “the invisible hand” so my vote always goes to the... -
L
Recession here we come...but taxes keep going up!
There are four ways in which you can spend money. You can spend your own money on yourself. When you do that, why then you really watch out what you’re doing, and you try to get the most for your money. Then you can spend your own money on somebody else. For example, I buy a birthday present... -
L
NHS database open to all
You can opt-out from having your the details held by your GP uploaded. I did. The Big Optout website is coming up with more opt out strategies later this year. You need to send this letter to your GP. -
L
What's happened to the market?
.NET market seems OK up here in the wilds of the Midlands. Cranked out my CV to my agency mailing list a week last Monday offering my services from 5th November. By last Friday I'd secured a 4 monther, closer to home and paying more. 3 further interview offers since accepting that one. My...- LGDT
- Post #14
- Forum: Business / Contracts
