Any recommendations for Bonds on HL? I do need to up my portfolio allocation, despite it feeling and coming across as boring while pressing the submit button.
Schroder Strategic Bond Schroder Sterling Corporate Bond. MAN GLG High Yield opportunities. Invesco Monthly Income Plus.
Rescued from page 5 of this board......shame on alls of you !!
Anyway.....if you haven't notice the markets today (Monday) have been falling dramatically. In the morning the FTSE100 was d8wn almost 2%, but recovered to just under a 1% drop. Same for the 250, and European markets fared even worse with most falling by more than 2%. In the US, both the Dow and the S&P500 finished almost 2% down too.
I know our comp still has over 3 months left to run but anyone predicting the FTSE100 to finish above 7250 might be out of the money.
Rescued from page 5 of this board......shame on alls of you !!
Anyway.....if you haven't notice the markets today (Monday) have been falling dramatically. In the morning the FTSE100 was d8wn almost 2%, but recovered to just under a 1% drop. Same for the 250, and European markets fared even worse with most falling by more than 2%. In the US, both the Dow and the S&P500 finished almost 2% down too.
I know our comp still has over 3 months left to run but anyone predicting the FTSE100 to finish above 7250 might be out of the money.
FTSE100 has recovered this morning tho'. I'm still confident that I'm gonna beat you -again- in our competition (although this time, if I recall right, there is very little between our respective forecasts).
Anyway I bought some of your recommended funds on Sunday evening via H-L. Heaven knows what price I actually paid, I think I will find out by about Friday, because, that's just the way it works for mug punters... Although it's worth saying here, the funds you've mentioned have all been delivering hugely impressive performance against benchmarks (and other funds I hold), if people take a quick look "under the bonnet".
So it looks like we (in a market context) now have to worry about Evergrande and gas prices. FWIW the FT Unhedged newsletter reckons Evergrande will not result in lasting global contagion, since the Chinese govt. can, in short, "manage such debt at will'...
Rescued from page 5 of this board......shame on alls of you !!
Anyway.....if you haven't notice the markets today (Monday) have been falling dramatically. In the morning the FTSE100 was d8wn almost 2%, but recovered to just under a 1% drop. Same for the 250, and European markets fared even worse with most falling by more than 2%. In the US, both the Dow and the S&P500 finished almost 2% down too.
I know our comp still has over 3 months left to run but anyone predicting the FTSE100 to finish above 7250 might be out of the money.
Given all the uncertainty across the globe it could end up anywhere.
Rescued from page 5 of this board......shame on alls of you !!
Anyway.....if you haven't notice the markets today (Monday) have been falling dramatically. In the morning the FTSE100 was d8wn almost 2%, but recovered to just under a 1% drop. Same for the 250, and European markets fared even worse with most falling by more than 2%. In the US, both the Dow and the S&P500 finished almost 2% down too.
I know our comp still has over 3 months left to run but anyone predicting the FTSE100 to finish above 7250 might be out of the money.
FTSE100 has recovered this morning tho'. I'm still confident that I'm gonna beat you -again- in our competition (although this time, if I recall right, there is very little between our respective forecasts).
Anyway I bought some of your recommended funds on Sunday evening via H-L. Heaven knows what price I actually paid, I think I will find out by about Friday, because, that's just the way it works for mug punters... Although it's worth saying here, the funds you've mentioned have all been delivering hugely impressive performance against benchmarks (and other funds I hold), if people take a quick look "under the bonnet".
So it looks like we (in a market context) now have to worry about Evergrande and gas prices. FWIW the FT Unhedged newsletter reckons Evergrande will not result in lasting global contagion, since the Chinese govt. can, in short, "manage such debt at will'...
Commentators in the US are saying that September is always a dodgy month and they expect a recovery before the end of the year.......although the Dow could fall further in the short term.
Both the BoE and the Fed are to start looking an the unwinding of QE and although markets are still worried about inflation feeding through they dont think interest rates will be rising anytime soon.
Could I pick your collective brains re selling my house, specifically is it time to change or broaden out the agents I deploy?
My house is in Surbiton, its a 70's 3-bed terrace in a row of 12 similar. It has not been significantly modernised since I bought it in 1985 and latterly has been rented to students.
I gave it to the letting agent as sole agent since as a letting agency they've done a good job, but I think they are a bit old school when it comes to sales. When it came to pricing we had the advantage that another one in that terrace had just been sold for close to asking price. However that was apparently fully modernised so my agent proposed a price £50k less, which seemed reasonable for new kitchen, bathroom and upgraded CH. It went on the market late July. But she has not exactly been proactive in keeping me informed of progress and as far as I can tell she has not had a single viewing. So I asked by mail how she sees it and just now she came back with a proposal to reduce the price by 4%. She claims that there are a lot of houses not moving at the moment, however that doesn't tally with what I read in today's FT.
The exclusive agency was for 6 weeks at 0.75%. I know which agency sold the other house in the terrace so they would be the obvious alternative choice. Would you approach them now, and on a joint agency basis, which I guess means both would be asking around 2% ?
Could I pick your collective brains re selling my house, specifically is it time to change or broaden out the agents I deploy?
My house is in Surbiton, its a 70's 3-bed terrace in a row of 12 similar. It has not been significantly modernised since I bought it in 1985 and latterly has been rented to students.
I gave it to the letting agent as sole agent since as a letting agency they've done a good job, but I think they are a bit old school when it comes to sales. When it came to pricing we had the advantage that another one in that terrace had just been sold for close to asking price. However that was apparently fully modernised so my agent proposed a price £50k less, which seemed reasonable for new kitchen, bathroom and upgraded CH. It went on the market late July. But she has not exactly been proactive in keeping me informed of progress and as far as I can tell she has not had a single viewing. So I asked by mail how she sees it and just now she came back with a proposal to reduce the price by 4%. She claims that there are a lot of houses not moving at the moment, however that doesn't tally with what I read in today's FT.
The exclusive agency was for 6 weeks at 0.75%. I know which agency sold the other house in the terrace so they would be the obvious alternative choice. Would you approach them now, and on a joint agency basis, which I guess means both would be asking around 2% ?
I must admit I thought the market was hot but the stamp duty holiday was coming to a close, so may have dampened demand recently? Maybe 0.75% isn't motivating her enough(!)
I'd at least get a second opinion on the price and the market from the agency that sold the other place. Pay 1.5% max or just switch?
Rescued from page 5 of this board......shame on alls of you !!
Anyway.....if you haven't notice the markets today (Monday) have been falling dramatically. In the morning the FTSE100 was d8wn almost 2%, but recovered to just under a 1% drop. Same for the 250, and European markets fared even worse with most falling by more than 2%. In the US, both the Dow and the S&P500 finished almost 2% down too.
I know our comp still has over 3 months left to run but anyone predicting the FTSE100 to finish above 7250 might be out of the money.
FTSE100 has recovered this morning tho'. I'm still confident that I'm gonna beat you -again- in our competition (although this time, if I recall right, there is very little between our respective forecasts).
Anyway I bought some of your recommended funds on Sunday evening via H-L. Heaven knows what price I actually paid, I think I will find out by about Friday, because, that's just the way it works for mug punters... Although it's worth saying here, the funds you've mentioned have all been delivering hugely impressive performance against benchmarks (and other funds I hold), if people take a quick look "under the bonnet".
So it looks like we (in a market context) now have to worry about Evergrande and gas prices. FWIW the FT Unhedged newsletter reckons Evergrande will not result in lasting global contagion, since the Chinese govt. can, in short, "manage such debt at will'...
Commentators in the US are saying that September is always a dodgy month and they expect a recovery before the end of the year.......although the Dow could fall further in the short term.
Both the BoE and the Fed are to start looking an the unwinding of QE and although markets are still worried about inflation feeding through they dont think interest rates will be rising anytime soon.
The US analysts I follow have been cautiously bullish but with health warnings since July due to poor market breadth. On Friday they said that if the S&P fell below the 4370 support and stayed there more than an hour, that was bad news; if it closed below there, worse news. So, both warnings triggered.
The other analysts I follow correctly called this dip and are now saying wait for the bounce before selling again. But, ultimately, will be the buy the dip opportunity.
I'm just holding tight because I never get the timing right!
Could I pick your collective brains re selling my house, specifically is it time to change or broaden out the agents I deploy?
My house is in Surbiton, its a 70's 3-bed terrace in a row of 12 similar. It has not been significantly modernised since I bought it in 1985 and latterly has been rented to students.
I gave it to the letting agent as sole agent since as a letting agency they've done a good job, but I think they are a bit old school when it comes to sales. When it came to pricing we had the advantage that another one in that terrace had just been sold for close to asking price. However that was apparently fully modernised so my agent proposed a price £50k less, which seemed reasonable for new kitchen, bathroom and upgraded CH. It went on the market late July. But she has not exactly been proactive in keeping me informed of progress and as far as I can tell she has not had a single viewing. So I asked by mail how she sees it and just now she came back with a proposal to reduce the price by 4%. She claims that there are a lot of houses not moving at the moment, however that doesn't tally with what I read in today's FT.
The exclusive agency was for 6 weeks at 0.75%. I know which agency sold the other house in the terrace so they would be the obvious alternative choice. Would you approach them now, and on a joint agency basis, which I guess means both would be asking around 2% ?
I must admit I thought the market was hot but the stamp duty holiday was coming to a close, so may have dampened demand recently? Maybe 0.75% isn't motivating her enough(!)
I'd at least get a second opinion on the price and the market from the agency that sold the other place. Pay 1.5% max or just switch?
0.75% was her own suggestion...I'd be happy to pay 1.5% if someone shifts it fairly quickly.
Get a second opinion. The agent who sold down the road a good place to start as they will have a note of viewers. A good letting agent often not a good sales agent. The South East Market still OK.
Could I pick your collective brains re selling my house, specifically is it time to change or broaden out the agents I deploy?
My house is in Surbiton, its a 70's 3-bed terrace in a row of 12 similar. It has not been significantly modernised since I bought it in 1985 and latterly has been rented to students.
I gave it to the letting agent as sole agent since as a letting agency they've done a good job, but I think they are a bit old school when it comes to sales. When it came to pricing we had the advantage that another one in that terrace had just been sold for close to asking price. However that was apparently fully modernised so my agent proposed a price £50k less, which seemed reasonable for new kitchen, bathroom and upgraded CH. It went on the market late July. But she has not exactly been proactive in keeping me informed of progress and as far as I can tell she has not had a single viewing. So I asked by mail how she sees it and just now she came back with a proposal to reduce the price by 4%. She claims that there are a lot of houses not moving at the moment, however that doesn't tally with what I read in today's FT.
The exclusive agency was for 6 weeks at 0.75%. I know which agency sold the other house in the terrace so they would be the obvious alternative choice. Would you approach them now, and on a joint agency basis, which I guess means both would be asking around 2% ?
Go with an agent that advertises on Rightmove & Zoopla.
Just made contact with the agent that sold the other house. A different kettle of fish to be sure, and talked a good game about how they will go about it, so I have given them sole agency at 1%. I know estate agents are what they are, but they seemed very on the ball generally compared with the letting agent. The new one is Winkworth which is a big operation, whereas the other one I think has just the one office.
Just made contact with the agent that sold the other house. A different kettle of fish to be sure, and talked a good game about how they will go about it, so I have given them sole agency at 1%. I know estate agents are what they are, but they seemed very on the ball generally compared with the letting agent. The new one is Winkworth which is a big operation, whereas the other one I think has just the one office.
check out KT6 6HR .. Zoopla says between £470,000 to £480,000 .. and a 50 grand discount for modernising ? .. well over estimated i m o
Just made contact with the agent that sold the other house. A different kettle of fish to be sure, and talked a good game about how they will go about it, so I have given them sole agency at 1%. I know estate agents are what they are, but they seemed very on the ball generally compared with the letting agent. The new one is Winkworth which is a big operation, whereas the other one I think has just the one office.
check out KT6 6HR .. Zoopla says between £470,000 to £480,000 .. and a 50 grand discount for modernising ? .. well over estimated i m o
Too much or not enough? It was bad enough for Kingston Council to order me to modernise kitchen, bathroom and new boiler just to get an HMO renewed A family would want to completely remodel both rooms plus new fitted units in the bedrooms. Garden’s a state too. Property is well above whatever you have been looking at. Very mixed properties around there from small flats through to £1.3m detached houses, all in my street.
Could I pick your collective brains re selling my house, specifically is it time to change or broaden out the agents I deploy?
My house is in Surbiton, its a 70's 3-bed terrace in a row of 12 similar. It has not been significantly modernised since I bought it in 1985 and latterly has been rented to students.
I gave it to the letting agent as sole agent since as a letting agency they've done a good job, but I think they are a bit old school when it comes to sales. When it came to pricing we had the advantage that another one in that terrace had just been sold for close to asking price. However that was apparently fully modernised so my agent proposed a price £50k less, which seemed reasonable for new kitchen, bathroom and upgraded CH. It went on the market late July. But she has not exactly been proactive in keeping me informed of progress and as far as I can tell she has not had a single viewing. So I asked by mail how she sees it and just now she came back with a proposal to reduce the price by 4%. She claims that there are a lot of houses not moving at the moment, however that doesn't tally with what I read in today's FT.
The exclusive agency was for 6 weeks at 0.75%. I know which agency sold the other house in the terrace so they would be the obvious alternative choice. Would you approach them now, and on a joint agency basis, which I guess means both would be asking around 2% ?
Something that agents won't always tell you right now is how COVID has effected what people want. 3 bed semi's, flats etc are all low down the pecking order. We took quite a while to sell our 3 bed semi that 4-5 years ago literally flew off the shelf. I know a few people with flats in good, once popular areas who are only achieving offers of 15% less than they paid 3-4 years ago. Whereas add detached and 4 bed/2 bathroom and it's a bidding war.
Hard to tell without knowing the exact house, but ultimately if it's advertised on the internet and you've not had many/any viewings and no offers it's almost always down to price. Almost everyone looks online now, no one gives a hoot what agent you are with (assuming they answer the phone/email etc).
Could I pick your collective brains re selling my house, specifically is it time to change or broaden out the agents I deploy?
My house is in Surbiton, its a 70's 3-bed terrace in a row of 12 similar. It has not been significantly modernised since I bought it in 1985 and latterly has been rented to students.
I gave it to the letting agent as sole agent since as a letting agency they've done a good job, but I think they are a bit old school when it comes to sales. When it came to pricing we had the advantage that another one in that terrace had just been sold for close to asking price. However that was apparently fully modernised so my agent proposed a price £50k less, which seemed reasonable for new kitchen, bathroom and upgraded CH. It went on the market late July. But she has not exactly been proactive in keeping me informed of progress and as far as I can tell she has not had a single viewing. So I asked by mail how she sees it and just now she came back with a proposal to reduce the price by 4%. She claims that there are a lot of houses not moving at the moment, however that doesn't tally with what I read in today's FT.
The exclusive agency was for 6 weeks at 0.75%. I know which agency sold the other house in the terrace so they would be the obvious alternative choice. Would you approach them now, and on a joint agency basis, which I guess means both would be asking around 2% ?
Something that agents won't always tell you right now is how COVID has effected what people want. 3 bed semi's, flats etc are all low down the pecking order. We took quite a while to sell our 3 bed semi that 4-5 years ago literally flew off the shelf. I know a few people with flats in good, once popular areas who are only achieving offers of 15% less than they paid 3-4 years ago. Whereas add detached and 4 bed/2 bathroom and it's a bidding war.
Hard to tell without knowing the exact house, but ultimately if it's advertised on the internet and you've not had many/any viewings and no offers it's almost always down to price. Almost everyone looks online now, no one gives a hoot what agent you are with (assuming they answer the phone/email etc).
Spot on. I'm living in Surbiton right now and there must be a dozen or more estate agents there and their offices are empty and half of them don't even bother to answer the phone. Just about every agent uses Rightmove and/or Zoopla to market their properties. Maybe Prague has chosen the one agent that doesn't! However, keeping the client informed is imortant and if they can't do that I'd definitely change but agree there's little need to use multiple agancies in today's market.
The rental market in the area is ridiculous though with flats and smaller houses being picked up as soon as they're on the market. I was lucky to be the first viewer of the flat I'm now living in or I might still be in the Travelodge or a dump!
I like the area and it's a bit closer to The Valley than Phuket!
Guys, don't worry about the overall price level. I don't want to be too specific on here about the price, but I've been tracking my place on and off since I left, and had to get it officially valued in 2015 for Osbourne's new CGT regime. It's way above that lot you've posted. Chartered surveyors will tell you that the best benchmark is the geographically closest and most physically similar property, and we have that, because the house is in a terrace of 12 town houses with integral garages, which was built as one block. They are therefore all pretty much the same, plus whatever modernisations have taken place. The new agent - Winkworth - had actually sold one of them a few weeks ago which provided us with the benchmark, albeit it had shocked my sleepy letting agent who had valued it a fair bit lower in February. So she put it on at a discount of 50k to what the other one had gone for. And Winkworth have told me that they would start with the price it is currently on at, whereas the old agent wants to reduce it because, well, she has no other tool available. Winkworth may drop it a bit once they have been round it in detail, but among other things, they mentioned that they would contact buyers who were interested in the one they sold.
I may still end up disappointed because its possible the end of stamp duty holiday may have not worked through to the market prices yet after the frenetic first half of year, but this new lot are much more on the ball when I talk to them. I've wasted a few weeks with the letting agent, but thats the price of being abroad and at arm's length. If I'd been in London I'd have been more ready and able to visit them and get competitive quotes. Which is probably the main general learning for this thread. Get competitive valuations (and as @HardyAddick says, good letting agent may not be good sales agent).
I don't think the stamp duty will make any difference when comparing to the one just sold as at best if they completed by the end of this month it's £2.5k saving so wouldn't move the dial.
Guys, don't worry about the overall price level. I don't want to be too specific on here about the price, but I've been tracking my place on and off since I left, and had to get it officially valued in 2015 for Osbourne's new CGT regime. It's way above that lot you've posted. Chartered surveyors will tell you that the best benchmark is the geographically closest and most physically similar property, and we have that, because the house is in a terrace of 12 town houses with integral garages, which was built as one block. They are therefore all pretty much the same, plus whatever modernisations have taken place. The new agent - Winkworth - had actually sold one of them a few weeks ago which provided us with the benchmark, albeit it had shocked my sleepy letting agent who had valued it a fair bit lower in February. So she put it on at a discount of 50k to what the other one had gone for. And Winkworth have told me that they would start with the price it is currently on at, whereas the old agent wants to reduce it because, well, she has no other tool available. Winkworth may drop it a bit once they have been round it in detail, but among other things, they mentioned that they would contact buyers who were interested in the one they sold.
I may still end up disappointed because its possible the end of stamp duty holiday may have not worked through to the market prices yet after the frenetic first half of year, but this new lot are much more on the ball when I talk to them. I've wasted a few weeks with the letting agent, but thats the price of being abroad and at arm's length. If I'd been in London I'd have been more ready and able to visit them and get competitive quotes. Which is probably the main general learning for this thread. Get competitive valuations (and as @HardyAddick says, good letting agent may not be good sales agent).
I certainly think going with Winkworths is a good idea & they should still be in contact with the viewers & potential purchasers of the neighbouring property. They might also like the idea that they can do it up as they like....I hear of many people buying properties & ripping out good kitchens & bathrooms just so they can put in a granite worktop or a double shower.
Nothing on the Premium Bonds but received a letter from the HM Revenue & Customs today saying I paid too much tax in year ending 5 April 2021 and I am due a refund of £968.20.
see link draw has been made, if you log on and go to prize history if you have won something it will show up straight away, if did, when I won, in May, June and July
see link draw has been made, if you log on and go to prize history if you have won something it will show up straight away, if did, when I won, in May, June and July
Never has for me, although the draw is made a couple of days in advance I can never see what I have/haven't won until early hours of the 2nd day, that's either logged in as you mention above or via the app.
Comments
Schroder Sterling Corporate Bond.
MAN GLG High Yield opportunities.
Invesco Monthly Income Plus.
Why would you keep the money in?
I'm going through the process at the moment.
Just depends on what type of pension its currently in.
Anyway.....if you haven't notice the markets today (Monday) have been falling dramatically. In the morning the FTSE100 was d8wn almost 2%, but recovered to just under a 1% drop. Same for the 250, and European markets fared even worse with most falling by more than 2%. In the US, both the Dow and the S&P500 finished almost 2% down too.
I know our comp still has over 3 months left to run but anyone predicting the FTSE100 to finish above 7250 might be out of the money.
Anyway I bought some of your recommended funds on Sunday evening via H-L. Heaven knows what price I actually paid, I think I will find out by about Friday, because, that's just the way it works for mug punters... Although it's worth saying here, the funds you've mentioned have all been delivering hugely impressive performance against benchmarks (and other funds I hold), if people take a quick look "under the bonnet".
So it looks like we (in a market context) now have to worry about Evergrande and gas prices. FWIW the FT Unhedged newsletter reckons Evergrande will not result in lasting global contagion, since the Chinese govt. can, in short, "manage such debt at will'...
Both the BoE and the Fed are to start looking an the unwinding of QE and although markets are still worried about inflation feeding through they dont think interest rates will be rising anytime soon.
My house is in Surbiton, its a 70's 3-bed terrace in a row of 12 similar. It has not been significantly modernised since I bought it in 1985 and latterly has been rented to students.
I gave it to the letting agent as sole agent since as a letting agency they've done a good job, but I think they are a bit old school when it comes to sales. When it came to pricing we had the advantage that another one in that terrace had just been sold for close to asking price. However that was apparently fully modernised so my agent proposed a price £50k less, which seemed reasonable for new kitchen, bathroom and upgraded CH. It went on the market late July. But she has not exactly been proactive in keeping me informed of progress and as far as I can tell she has not had a single viewing. So I asked by mail how she sees it and just now she came back with a proposal to reduce the price by 4%. She claims that there are a lot of houses not moving at the moment, however that doesn't tally with what I read in today's FT.
The exclusive agency was for 6 weeks at 0.75%. I know which agency sold the other house in the terrace so they would be the obvious alternative choice. Would you approach them now, and on a joint agency basis, which I guess means both would be asking around 2% ?
I'd at least get a second opinion on the price and the market from the agency that sold the other place. Pay 1.5% max or just switch?
The other analysts I follow correctly called this dip and are now saying wait for the bounce before selling again. But, ultimately, will be the buy the dip opportunity.
I'm just holding tight because I never get the timing right!
The South East Market still OK.
Hard to tell without knowing the exact house, but ultimately if it's advertised on the internet and you've not had many/any viewings and no offers it's almost always down to price. Almost everyone looks online now, no one gives a hoot what agent you are with (assuming they answer the phone/email etc).
https://www.rightmove.co.uk/properties/111445754#/?channel=RES_BUY 3 bed needs work, £375k
https://www.rightmove.co.uk/properties/103919765#/?channel=RES_BUY similar at £380k
https://www.rightmove.co.uk/properties/96800501#/?channel=RES_BUY better condition, £440k
https://www.rightmove.co.uk/properties/98693882#/?channel=RES_BUY and again £450k
https://www.rightmove.co.uk/properties/112130600#/?channel=RES_BUY ditto £450k
Theres then a number in the £450-500k mostly unsold. Above that price you then get into the 30's semi's etc.
I may still end up disappointed because its possible the end of stamp duty holiday may have not worked through to the market prices yet after the frenetic first half of year, but this new lot are much more on the ball when I talk to them. I've wasted a few weeks with the letting agent, but thats the price of being abroad and at arm's length. If I'd been in London I'd have been more ready and able to visit them and get competitive quotes. Which is probably the main general learning for this thread. Get competitive valuations (and as @HardyAddick says, good letting agent may not be good sales agent).
Fingers crossed the new agent comes up trumps!
Good luck....😉
God bless em!