tony13579

We have income of about 16k and this lump of cash. We have a substantial home with teeny mortgage on which we could draw down up to 100k if an emergency required ( till 2028 ) To earn 6-10k income on bonds would be fantastic. I can't see why we would need instant access or sale of the bonds especially if their maturity dates were staggered, I agree if you sold them mid term you could lose. I suppose if inflation and interest rates rose above 8% it could be a problem.....

I have requested a free ifa appointment through work ( urgently before I leave) But the more I understand before the appointment the more I will get out of it.

These are bonds John Lewis raised a bond to expand their empire. However I just noticed that bond only has months left.

I went to a retirement seminar today and it has thrown the cat among the pigeons. We have £100k that I need an income from for 10+ years Building society =3-4% no risk Buy-to-let= 6-8% risk of damaged to house, risk of falling or rising house prices. Lots of Argo Corporate Bonds=7-10% income... But is there a risk factor? Do the companies need to go bust to lose my money Can I buy 10x£10k in Bt John Lewis M&S 2 electric utilities 2 water utilities Transco 2 banks 2 manufacturers Splitting my exposure to any sector going bust. Utilities are almost guaranteed their income by regulators and being in a monopoly position http://www.hl.co.uk/shares/corporate-bonds-gilts/bond-prices/gbp-bonds?sort=coupon I would appreciate any feedback and how you are qualified to give such opinion Thanks

What about the small creditors and charities

http://www.nationwidehireuk.co.uk/vans-trucks.php one way hires 167.99 per day + oneway hire charge

One would have thought since this fantastic thread started , way back in 2009, that government could have sorted out legislation to resolve the football creditors rule!

The figures look like 10% yield. Then you have to get gas and electrical safety certs. Building insurance Pay an agent. Travel about to find properties.pay for surveys, solicitors. Do a little maintenance. Then there are rent voids between lets. With flats there are service charges, lease costs. It looks like you can get 2% interest rates but you have to include those "booking fees" And the 2% rate only lasts 2 years. Then it returns to 5%. So £120k costs £2400 interest per year +£1999 booking fee+ £350 survey=£7150 over 2 years So 2 years income could be as little as £3.5k per property. If you are on 40% tax that's a fair amount of risk and work for £2,030 take home pay I personally plan to invest cash, pay little tax. You can of course write of some genuine costs against tax. Interest, Broadband, iPhones iPads , tools, travel.

Much better than 2.1% you can get on instant access building society accounts. If you have cash to invest you could earn 6-8% if you can find the right house If you are borrowing the money it will cost you 4% after the survey and scam £2000 arrangement fees So your profit is unlikely to be much more than 2-4% The profit is in houses of multiple occupation, houses where you can increase the capital value as well as get a good rent. Turning one cheap house into two flats. HMO's and naff flats come with lots of tenant changes and more hassle. I would rather find solid cheap houses. Fix them up warm, safe, basic but nice and let them to better tenants.

Countrywide also own most of them round here. Mann and co, Austin Wyatt, Moris dibben to name a few. I found an advertising agency to sell my last house. I had a full ad on right moved for about £350. They got shut down. There is something particularly wrong going on in the AW Shirley branch. The father in law tried to sell his house. They over priced it and then sent round shifty people offering 75% of the value and 10% in 2 years time. We sacked them.

Your forgiven Bearsy, That's the second time Austin Wyatt have crossed me. What they did was possibly criminal. I strongly recommend people avoid them. They accepted more than one offer. But failed to put the accepted offers to the solicitors to proceed. 14 days later after surveys etc we find out the agent is lying to the vendor and me because I wasn't getting a mortgage via them.

Only 3 matches to go without a win and it's half a season!

I am sure with the amount of tax written off in various CVA's the public should already own more than that in Those Cheating Skate B@stards

Thanks

How do you avoid eating in hospital? Hotels? Works canteens? All military service personnel , NHS staff, schools, prisons, even house of commons? Compass catering do the lot!

Can I fit a laminate floor over 25mm polystyrene insulation? Or should I fit 18mm chip board over the insulation first?

I don't have a problem with them getting drunk ashore. But when they return to the sub. Parked within 500m of residential and city office blocks where I once worked, in a nuclear sub... Oh and then issue the drunk a machine gun. When they also had visitors on board. Who was managing the risks?

Update.... Catering giant Compass Group and Whitbread, one of Britain's largest hotel chains, have found horse DNA in products sold as beef, it has emerged...... Whitbread PLC is a multinational hotel, coffee shop and restaurant company headquartered in Dunstable, United Kingdom. Its largest division is Premier Inn, which is the largest hotel brand in the UK with around 630 hotels and over 40,000 rooms.[2] Its Costa Coffee chain has around 1,600 stores across 25 countries and is the world's second-largest international coffee shop chain.[2] Its other brands include the restaurant chains Beefeater Grill, Brewers Fayre, Table Table and Taybarns.[2] Compass Group plc (LSE: CPG) is a British multinational contract foodservice and support services company headquartered in Chertsey, Surrey, United Kingdom.[3] It is the largest contract foodservice company in the world and has operations in over 50 countries.[2][4] It serves around 4 billion meals a year in locations including offices and factories, schools, universities, hospitals, major sports and cultural venues, mining camps and offshore oil platforms.[2]

But the Findus lasagne packed claimed to have 100% beef, britians best lasagne http://www.google.co.uk/search?um=1&hl=en&safe=off&client=safari&tbo=d&biw=1024&bih=672&tbm=isch&sa=1&q=findus+lasagne&oq=findus+l&gs_l=img.1.1.0l2j0i24l7.5612.12037.0.14720.13.10.0.0.0.0.509.1190.3-2j0j1.3.0...0.0...1ac.1.3.img._nWr4NQg6FA#biv=i|34;d|zwlFl_ZlSOg1EM: Another was luxury beef something or other. Not value lines. No one has investigated pub meals yet and only one county of school meals. When my mum died of CJD ( school worker ) i was put in contact with another lady from Salisbury , a dinner lady from Salisbury who had complained to the authorities about the quality of the meats. She died of CJD too... Guess what... A meat delivery driver to schools and prisons on the south coast.... Died of CJD. Personally I buy small quantities of chicken and chops and lean steak mince. I don't buy ready meals. I don't eat at 2 for £10 pubs I no longer eat pies pasties, petrol station sandwiches etc

Sorry, The house is no longer available. Purchase was Gazumped...after survey Grr SotonJoe.... It would be the cheapest 3 bed house to let within 1/2 mile of The General acording to right move...

South african police are hoping to link all other cases where no footprints were left to Pistorious....

Uk slaughter house raided and Waitrose frozen beef meatballs withdrawn as they contained pork

Oh Hartlepool ! :-/

Julian Clegg from Solent was trying to get a non europe answer from her and she came streight back about the NHS and european health tourists. I found my self shouting at my radio!

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