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LLOY PrefInvestor1 25 Feb 2020

LLOYDS is going to FLY Hi Again @Eadwig, Eadwig: Very difficult not to be. It was an unauthorised Windows 10 update that failed, involving a firefox update too, that lost my bookmarks. At least it now asks if you want to postpone or not. Well with Windows 10 Pro (which I have) you can defer updates for 7 days now, and do that repeatedly a couple of times before it insists on doing them. I never do that though. Before Microsoft Updates day I clone my system partition (I have 3 bootable images on each of my PCs plus a data partition that any image can use) do the update and if all is well thats fine, if anything has gone wrong I still have the old image that I can boot and work with. I find it a simple and easy solution. Eadwig: All my portfolio is laid out in ii and updated about 20 minutes delayed, by the way. Hence no need for additional spreadsheets etc. I do take a copy of totals every month for my own purposes of measuring progress, or lack thereof. Well yes I could login to my broker to check my portfolio too if I wanted to do that, though actually some of their pricing data is at best questionable ?. Certainly their pref prices are “unhelpful” being the bottom of the official spread. Also if my broker ever went bust I have detailed record of everything. When that happens you tend to be unable to login to your broker. I trust that you have copies of everything ?. I also use my investment spreadsheet for lots of other things:- Purchase planning (I hold a list of all of the stocks, ITs and ETFs that I might ever want to hold, download the prices for them all at each portfolio update) and can set up a purchase plan comprising any number of holdings, buying a given number or total price, at XD, current price or nominated price, it adds up all of the costs compares it with my account balances, tells me the income and yield - stuff like that. Portfolio Analysis - Allowing me to see ow my assets are distributed within portfolio groupings (including the effect of my purchase plan). Historical Data - My spreadsheet contains weekly data going back to about 2011 detailing what the portfolio was worth and any cash injections, removals etc. Dividend Planning - My spreadsheet holds the XD dates, payment dates and amounts of all dividends due in the next 12 months. When any go XD I can see the amount of all dividends due and on any payment date I am advised of the amount being paid that day. Thats in addition to the simple display of the portfolio, with current values, yields, daily change, total return etc. etc. I have spent many years developing this functionality. I would not want to be without it !. ATB Pref

HSBA StevesShares 25 Feb 2020

Big world market fall back corona virus Hi Ripley, Not sure that age matters, but we currently have eight grandchildren! I would certainly not invest in the Royal Mail Group, and have little confidence in Motley Fool articles! For those who were patiently waiting for HSBC to go sub 550p, and Lloyds below 55p, they may now be well rewarded. If we hadn’t been left our initial block of HSBC shares in early 2001, we probably wouldn’t have any direct involvement in the stock market. I did have a serious look at Lloyds in mid 2017, when they were trading at about 70p, but decided not to invest. I suppose if the price drops further - to below 50p, then we may well be tempted … … to continue to leave well alone! Yes! The postage stamps are for our own use, and as we sell quite a few things (mainly small collectibles or “hobby” related items) on-line, our postage costs may well be higher than the “average” family! Most of our items are sent from our local village Post Office, although we do sometimes use other couriers, when that is more cost-effective. It is much brighter here at the moment in the North of England than we thought it was going to be today, but there is quite a chilly wind. Apart from some standing water in the back garden, we didn’t experience any problems during the recent storms, so are very thankful. Have a good week. Regards, Steve

HSBA frog_in_a_tree 25 Feb 2020

Brexit Wars 3 You don’t have a sense of humour, you are just abusive! Frog

HSBA petethenovice 25 Feb 2020

Brexit Wars 3 frog_in_a_tree: Grow up JAR! yes frog pretty childish to post this below realise you made a fool of yourself then say it was taking p@ss imagine a Farmer with decades or generations growing fruit has to RIP up farm to grow turnips etc. for BREXIT no benefits and do Turnips pick themselves and go to supermarkets JARs… post … adapt ?? Or he could grow wheat / barley / turnips whatever JAR PS Adapt and succeed! … or die

LLOY Eadwig 25 Feb 2020

LLOYDS is going to FLY PrefInvestor1: I trust that your Windows 10 is fully up to date with all Windows Updates ?. Very difficult not to be. It was an unauthorised Windows 10 update that failed, involving a firefox update too, that lost my bookmarks. At least it now asks if you want to postpone or not. They were supposedly backed up, but by the time all updates had finally completed, much of my data (anything in ‘libraries’ had disappeared. I retrieved from old fashioned backup disk with files coped manually, the Windows retrieve function wouldn’t go back far enough, but firefox never recognised/couldn’t find any bookmark backup file. I should have copied it separately, but i never imagined that it could be lost like that. I still don’t know if it was Windows or Firefox that conspired to lose it. I didn’t realise the first Win 10 update had failed, had allowed a Firefox update to get underway. When asked to restart after the Firefox update, win 10 through itself into another update attempt. The outcome is I tend to use chrome more now, especially as it seems to be the only browser ii guarantee working with. All my portfolio is laid out in ii and updated about 20 minutes delayed, by the way. Hence no need for additional spreadsheets etc. I do take a copy of totals every month for my own purposes of measuring progress, or lack thereof.

HSBA petethenovice 25 Feb 2020

Brexit Wars 3 john.a.reeves: You just proved my point m8 you haven’t got the sense to see I was simply taking the p@ss out of you. QED IMHO IDGAS JAR an even more childish post than the last… Turnip.

HSBA john.a.reeves 25 Feb 2020

Brexit Wars 3 FIAT - hi frog_in_a_tree: Grow up JAR! Another sense of humour desert! JAR

RENE stutes 25 Feb 2020

Stroke trial PIII When will Rene confirm it has treated the full number of patients circa 130 in USA? I’ ve seen some promising YouTube clips of treated patients yet company is silent on the progress in terms of numbers treated and still to be treated…

HSBA frog_in_a_tree 25 Feb 2020

Brexit Wars 3 Grow up JAR! Frog

HSBA john.a.reeves 25 Feb 2020

Brexit Wars 3 pete - hi petethenovice: Chlorinated chicken is chlorinated Who would have thought it!! - just noticed this profound statement on your earlier post. I thought chlorine is a cleaning agent? Would give the marketing people a wonderful opportunity: Eat chicken … and clean your teeth at the same time!’ JAR

SLE linksdean 25 Feb 2020

Could be interesting! CNBC – 25 Feb 20 OPEC hasn't run out of ideas, Saudi energy minister insists as oil prices slump OPEC and its allied oil-producing nations are still working well together and still have options to try to rebalance global crude markets, Saudi Energy Minister Prince Abdulaziz bin Salman said Tuesday.

HSBA john.a.reeves 25 Feb 2020

Brexit Wars 3 pete petethenovice: wont work You just proved my point m8 you haven’t got the sense to see I was simply taking the p@ss out of you. QED IMHO IDGAS JAR

HSBA petethenovice 25 Feb 2020

Brexit Wars 3 Just to show evenhandedness I post a disgusting headline from the mirror. Poor creatures living in sht eating sht sick and diseased yum yum 20200225_095116.jpg2138x2851 2.19 MB

HSBA petethenovice 25 Feb 2020

Brexit Wars 3 john.a.reeves: Maybe he (I) think you haven’t got the sense to see I was simply taking the p@ss out of you. what you said not even a silly smiley face… looks like a backtrack to save face… wont work… Turnip Or he could grow wheat / barley / turnips whatever JAR PS Adapt and succeed! … or die

LLOY PrefInvestor1 25 Feb 2020

LLOYDS is going to FLY trader_jack: I do use Amazon, it took a bit of getting used to and I still make mistakes, I mainly use it to buy books and inks fo my printer, I am a prime member and in clicking the button for prime delivery I still managed to buy an ink that would take 3 weeks to arrive a couple of weeks ago! I went through the Amazon link you provided for Office Home & Student 2016 and my attention was drawn to a small window towards the bottom of page offering a newer version Home & Student 2019. Yes, it is about £26 more but it has the wording you mention “Fulfilled by Amazon” It seems that it might be the better option to get the latest version although I do not understand the statement "Microsoft support included for 60 days at no extra cost. " Hi @trader_jack, Good news about Amazon, makes it easy to buy and get a good price. trader_jack: I went through the Amazon link you provided for Office Home & Student 2016 and my attention was drawn to a small window towards the bottom of page offering a newer version Home & Student 2019. Yes, it is about £26 more but it has the wording you mention “Fulfilled by Amazon” What that means is that Amazon hold the product on the sellers behalf and they (Amazon) deliver it to you. This is a pretty good guarantee that you will get what you ordered. And of course with Amazon its easy to send stuff back. As a Prime member you will get next day delivery too I think. Originally I ruled out the 2019 version because I thought it was a lot more expensive. But having looked at the pricing I can now see that it isnt. Yes I think that 2019 should be a good buy, might be worth searching explicitly for “Office 2019 Home & Student” just in case there are even better prices available ?. trader_jack: It seems that it might be the better option to get the latest version although I do not understand the statement "Microsoft support included for 60 days at no extra cost. " That seems odd given that all other MS products offer support for some years or am I misunderstanding something? I think that what they are saying there is that for 60 days you will get the full Microsoft support service, which you could use if for example you had problems with the installation. I dont think you will end up using this though. With 2019 you will get functionality updates and security patches for longer than with 2016. Refer to that table I sent you previously. trader_jack: I am not sure whether I prefer the one price version or the monthly / annual subscription model. I suppose that if I elected for the subscription model (Office 365?) there might be fairly regular updates to the software capability rather than just fixing the occasional snag. Well the full Office 365 costs £80 per year every year, which is expensive compared to a one time purchase. It also includes a lot of web functionality which you will never use and probably would prefer not to be there. They issue updates EVERY SINGLE MONTH which will happen completely invisibly to you, this can cause things that were working to NOT work. I have had that happen, but I know how to fix such things. Not sure its a great idea for you…?. I think 2019 (or 2016) is your best bet. ATB Pref