Lloyds Banking Group Live Discussion

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skiking37 20 Feb 2020

LLOYDS is going to FLY I noticed that the dividend hasn’t changed recently. As for the split of the company, yes, at the time there was a substantial decline in SP but over the last 12 months it has made a good comeback apart from the big drop at the announcement of the FY results. I was hoping for a better value stream with the company splitting and the plans to offload some of their product line and tie ups with Pfizer. May keep an eye on things over the next few weeks. Not in a rush! Thanks for the input

trader_jack 20 Feb 2020

LLOYDS is going to FLY J_Westlock: If you mean the place that’s a long bus journey away from Bangkok… Ayutthaya. Hi again JW, Yes that seems a familiar name. Never did it by bus just about a 90 minute trip along the river from the Oriental. A good day out. Best regards TJ

J_Westlock 20 Feb 2020

LLOYDS is going to FLY trader_jack: Some of the places visited included all the shrines and temples in Bangkok and the ancient temple city along the river (forget its name) If you mean the place that’s a long bus journey away from Bangkok… Ayutthaya.

trader_jack 20 Feb 2020

LLOYDS is going to FLY Eadwig: A round-the-world air ticket with 6 stops that you have to think about and plan in advance to get the most from your trip … well that is worth a year’s extra education anytime. Depending on the stops picked, that is. Hi there Eadwig, How are you keeping? Certainly a round the world trip could be educational for her depending on her definition of the word educational. I have done a round the world trip twice, once with her mother and once by myself. Countries visited included Thailand, Singapore, Bali, China, Japan, Hawaii & USA. Some of the places visited included all the shrines and temples in Bangkok and the ancient temple city along the river (forget its name), The Great Wall, Terracotta army, USS Arizona at Pearl Harbour, New Orleans, Nashville and Lynchburg Tennessee (Jack Daniels.) Everybody is different, whenever I have had my grandchildren for any length of time and taken them out anywhere my policy has always been “is it educational?” Five years ago I took my grandson to Ypres (I had never been there) and we spent 5 days just the two of us going around many of the WW1 sites. His father could not understand it “why don’t you just take him to Southend he would like that much more.” On the last day in Ypres I thought that we had probably visited enough places and offered to take him to the local amusement park, “No,” he said " I am here to learn as much as I can." He was 9 years old at the time. He picked up a prize at school for “best essay” for his account of the trip. Most of my grandchildrens savings I have kept in investment trusts notably ATST as I have come to think that their expertise in stock picking and growing savings is actually a tad better than my own. “Perhaps I’ll go with her just to make sure she stays safe …” Of course that might be a good idea these days depending on where she is likely to go but then who pays for what and who chooses where to visit? I think that if I tried that with my granddaughter it would not end well. She is so choosy over what she eats (virtually nothing) so trying out local cuisine would present a problem, although she will eat Chinese, chicken and rice and that’s about it… Best regards TJ

PrefInvestor1 20 Feb 2020

LLOYDS is going to FLY Hi @skiking37, GSK has been challenged on earnings for a long time now, still clutching on its lung treatment Advair for revenue but fast being replaced by generics. Dividend has increased in a long time and was down to 4.5% when they were at 1800+. In their last results they announced splitting the company into two to try and create more value but it didn’t go down well. Doesn’t have a great drugs pipeline IMHO and I don’t see the prospects as being great myself. I sold mine last year and put the money in MRCH. AZN has a much stronger pipeline and its share price always looks like its doing well. But the dividend is very low at 2.8% and at £76 a share you couldn’t call them cheap. If the low dividend doesn’t bother you then I think AZN is a better pick right now. But TBH I don’t really like either… ATB Pref

PrefInvestor1 20 Feb 2020

LLOYDS is going to FLY Hi @trader_jack, Yes the issue with kids getting their hands on their JISA when they come of age is quite a well known one. Depends on the child if it’s a problem or not, need to educate them in advance of the event. But teenagers - who knows what they will do. Minecraft isn’t a free game, I think my copy cost about £30 on the Xbox. Undoubtably cheaper on the iPad as all iPad games are cheap. And yes most games offer the possibility of in game purchases these days, but if your child has a children’s account they should be safe from that (provided you set it up right). Fortnite is more of a first person shooting game by the look of it, we don’t have any games like that, ATM anyway…used to like doom and quake myself though. We quite like the Lego games, some fighting involved but not really first person shooter type violence. Good to hear from you. Keep posting !. ATB Pref

trader_jack 20 Feb 2020

LLOYDS is going to FLY frog_in_a_tree: Its only money TJ! Hi Fiat, Well you are correct there of course. Perhaps I should have kept the lot for myself and spent it on wine, song and what was the other thing??? Or just frittered it away as I went along. Let the future generations sort their own problems out, I never had the Bank of Mum & Dad to help me and I don’t suppose you did either. Did I tell you I am off to the Somme in 8 weeks time with my grandson for his first visit there. Best regards TJ

Eadwig 20 Feb 2020

LLOYDS is going to FLY trader_jack: You mention the cost of holidays. I would not like to see her savings frittered away on a holiday or holidays. Such pleasures should come out of her day to day living costs. If she has insufficient cash left over at the end of the week / month then she would have to do what we all did when we were that age - forego the holiday and just stay at home in the garden reading books. It depends on the holiday. 2 weeks lying on a beach in the Bahamas? No. A round-the-world air ticket with 6 stops that you have to think about and plan in advance to get the most from your trip … well that is worth a year’s extra education anytime. Depending on the stops picked, that is. My 6 year-old’s JISA just achieved the £10k point, plenty of time for me to blow it when I transfer it next year probably to a stocks and bonds JISA and go to work on it in the AIM market. When she’s 18 I’d rather she spent the cash on such a trip than most other things. She’d probably get more out of such a trip at a slightly later age. After college is probably too late. Its hard to get employed if you take a year out after a college and before starting work. Travel broadens the mind and the horizons, especially if the stops take in, say, New York, Sydney, Tokyo, Shanghai, Bombay, Rio. She can spend whatever is left inter-railing around Europe. The difference in maturity and development after such travels is unbelievable, I’ve noticed… Perhaps I’ll go with her just to make sure she stays safe …

soi 20 Feb 2020

LLOYDS is going to FLY PHILKES: O dear SOI. Just hit 58p. yep, lovely, allowed me to close a long @ 57.87 on limit earlier. Lower will be seen again within days. 57 will fail. soi

Eadwig 20 Feb 2020

LLOYDS is going to FLY skiking37: so looking at AZN and GSK. You have to look at their new drug development pipeline. How many potential block-busters do they have in Stage III testing is the question you want answering. It is so fundamental to investing in big pharma I believe they maintain a development pipeline time-line calendar on their web sites.

Eadwig 20 Feb 2020

LLOYDS is going to FLY PrefInvestor1: I’d be worried about them all crashing at the same time, @PrefInvestor1 AIM doesn’t do that though. As I’ve said before it is the only real diversification left that I’m aware of. A bad day on a major stock market tends to be replicated on all of them around the world now, and across most if not all sectors. That’s due to it all being driven by massive funds, so big they back sectors and indices and couldn’t possibly get involved with AIM because they don’t have any change that small in their cash draw. Any kind of interest that was meaningful to their assets under management would result in them buying the company. So, when the relatively small mega-fund managers herd mentality gets panicked, that sentiment tends to be felt throughout all major markets around the globe. On days like that the only green I find in my portolio is some of my AIM stocks.

skiking37 20 Feb 2020

LLOYDS is going to FLY I’m looking at another company to invest in and I am contemplating a pharma so looking at AZN and GSK. GSK has recently announced their results (beginning of the month) and, not being an expert in analysing the facts and figures, nothing really stood out as wrong however, the SP has dropped quite a bit since. Clearly today its gone XD. Given the recent drop is this now a buying opportunity do you think? Still keeping my investments based around dividends but also looking for 5-10% increase in SP before selling and hopefully buying back lower. I’ve had a search on ii and there is bugger all hence why I’m posting here and looking a your views/insight

frog_in_a_tree 20 Feb 2020

LLOYDS is going to FLY Its only money TJ! Frog

trader_jack 20 Feb 2020

LLOYDS is going to FLY J_Westlock: Here’s my guess: It’ll all get spent on a Hen Do and Wedding 10 years from now. Oh J. Westlock please tell me you are only trying to wind me up. I want to think that my granddaughter would be a little better than that. You don’t paint a very good picture of the grandchildren of the person you were executor for but hey, I will be pushing up daisies or whatever so I suppose the question would be : will I be able to look down (or up) to see how my grandchildren react when the finally get their mitts on their inheritances and will I be able to grind my teeth whilst watching all this happening… Best regards TI

J_Westlock 20 Feb 2020

LLOYDS is going to FLY trader_jack: I would like here to put the money towards a house when she is older, perhaps some towards university fees if she is clever enough to be considered for a good degree course. I would dread that any boy friend manages to get access to it or anybody else for that matter or ifor t to be wasted on whatever fashionable trivia is in vogue at the time. Here’s my guess: It’ll all get spent on a Hen Do and Wedding 10 years from now. Last year, I was an Executor for someone’s will. He had left behind quite a tidy sum given that he was never a high earner and had clearly been saving away some each year for most of his life. He had clearly set out how he wanted his assets dispersed. When it came to a couple of the grandchildren… they were very upset that the cash sum might affect their benefits so they were asking me if it could be dispersed outside of the execution. Obviously, I was having none of that… I told them it’s take it or leave it and it will go back into the pool to be dispersed among the rest if they don’t sign for it and take it by end of the week. No moral to that story… but don’t expect to receive many thanks for your efforts until they are in a similar position one day and then they might remember. Personally, I’d say you’d be better off handing it over to some animal welfare charities where you will make a real difference.

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