Lloyds Banking Group Live Discussion

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trader_jack 20 Feb 2020

LLOYDS is going to FLY PrefInvestor1: It was all much easier when I was young, though I do remember paying 15% interest on my mortgage at one time. I had several endowment mortgages, the first ones did what they were supposed to and we got a decent lump sum at the end - the later ones didnt, but still paid off the loan. And of course I benefited from the tax relief on the mortgage interest. The grandkids have an expensive time ahead - I hope to leave them as much as possible cos they are going to need it. Hi again Prefinvestor, Just thinking back (ouch - that hurts!) I seem to recall that I needed a 10% deposit for my first house in 1965 - the house cost £3,850 and then there was the cost of furnishing etc. My wife and I (she was pregnant at that time) needed to save a minimum of £385 just to get the mortgage which meant tha we had to give up a lot. We were “lucky” in that we were in rented furnished accommodation at that time but our lamdlord had to sell up for a reason that I have long forgotten but he offered to sell us the furniture cheap - that was a start for us. I have no memory what my salary was at that time but would guess at between £70-80 per month, I am pretty sure that it was certainly less than the then “magic” £1,000 per annum. Yes, we got the first year’s married allowance that was best claimed around September time as I recall. There was mortgage relief as well, there again I forget what that came out at. Every house that I /we lived in was purchased with a with profits endowment mortgage on the actual purchase price of the house as I viewed it as a form of enforced savings towards retirement, spending that I could budget for and money that I might not otherwise have saved. They all paid off the value of my property in 1996 and gave me a lump sum on top. I also seem to recall that apart from the honeymoon and the following year we only had one actual holiday over the next 8 - 10 years, money was tight. The problem today is as has been said borrowing is cheap “disguised” even. As an example very few people these days actually BUY a car they rent one. Just out of interest when was the last time you saw the actual purchase cost of a car in an advert? It is always so much per month. Interestingly I was in Dublin last week and noticed that all the TV ads for cars carried the full purchase price in a large font. Hopefully I have done my grandchildren a favour and saved my daughters having to rent a skip on a regular basis to throw last year’s presents away… Best regards TJ

PrefInvestor1 20 Feb 2020

LLOYDS is going to FLY regardless: Total Divi paid in 4.272p Hi @regardless, Well yes that looks right to me, the Sep 2019 divi was 1.12p so the final divi due in April of 2.25p gives you the 3.37p quoted in the results. The first three quarterly payments, payable in June, September and December will be 20 per cent of the previous year’s total ordinary dividend per share - so that’s 20% of 3.37 * 3 = 2.022p. So yes by the end of 2020 you will have received 4.272p in dividends, that’s more than 3.37p for the whole year previously. BUT the final dividend in April 2021 will be smaller because of this, as the total dividend for the year will still be ~3.37p so the final dividend will likely only be ~1.37p. Switching to quarterly dividends has just brought forward some of the annual dividend into 2019 that’s all. Probably helps with your cash flow though… ATB Pref

trader_jack 20 Feb 2020

LLOYDS is going to FLY I really dont know how my grandchildren are going to get on, buying a car, getting an education, getting married, buying a house - what an expensive set of activities those all are !!. Not to mention holidays and just living costs, nothings cheap these days is it. Good morning Prefinvestor, It is something that I have thought about for the last 16 years or so. My younger daughter used to complain on almost every occasion that I never bought my grandchildren a birthday or Christmas present whereas all their friends, neighbours and others ALWAYS bought presents for my grandchildren. Since they were born I have put away a sum of money each month by direct debit into an investment trust for them (ATST) and when Junior ISA’s became available their savings were then used to top up their JISA’s each year until the original savings accounts have been emptied, next year (21/22) will be the last year for that. My granddaughter now has over £50K in her savings and my grandson just under that amount. When my daughter learned how much I had managed to save for my grandchildren the moaning about presents stopped! My problem now is that my grandaughter is less than 2 years away from having access to those savings when her JISA becomes a full ISA and in her own name and with access to it. She and I spoke about it around one month ago and she said that she would like me to continue to look after it for her. The problem now is that I have a feeling that pressure will grow on her to get access to those savings and spend the money on goodness knows what! A year or so ago she thought that she might like to buy herself a car when she got to 18 - a pink one! She is now talking about dyeing her hair pink - yeeuuk. 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. 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. Hope you are still enjoying minecraft with your grandson- by the way is that one of those games that get downloaded for free and every time you use it you have to “buy” things to use on it? My grandsons are hidden away most of the day playing fortnight whatever that is… Best regards TJ

regardless 20 Feb 2020

LLOYDS is going to FLY Ok we have 2.25p final, 3 quarterly dividends of 0.674p to be paid in 2020 June/September/December Total Divi paid in 4.272p Nice work if you can get it

J_Westlock 20 Feb 2020

LLOYDS is going to FLY PrefInvestor1: Have you still got ORIT ?. ORIT is all I have left in Renewables now… up almost 11% and stopped the limit order… waiting to see if/when its upward trend stops and then I’ll be out. Another I’m keeping an eye on and have removed sell limit order.

soi 20 Feb 2020

LLOYDS is going to FLY PHILKES: O dear SOI. Just hit 58p. Hi PHILKES I am not much concerned with some shorts at either side of 56 with the sp currently around 57.4, although moving rapidly. Results day always tricky soi

jackdawsson 20 Feb 2020

LLOYDS is going to FLY Trisco: As well as Sky TV, Broadband, Spotify account, Netflix sub, Amazon Prime sub, new iPhone every couple of years with large data allowance, gym, daily latte’s, expensive protein shakes etc… Not a hope they’ll have enough to set aside a month, to put towards a deposit. Hi Trisco, True enough. Many people could indeed make sacrifices without feeling too hard done by from a wider perspective. But as you know, everything is relative according to one’s times. When I was a child in 1970s North Staffs, parents who owned a car were considered as doing well. Hardly anyone took a holiday abroad. My family had no car & only ever took one holiday throughout my childhood. That was 1 week in a caravan camp in Wales. My sister & I thoroughly enjoyed it, never felt sorry for ourselves or hard done by. For that was all we knew. There was no other yardstick of comparison. Today? Many people have all those things you mention. They also regularly take holidays abroad. As Eadwig notes, a recent report stated that on average a typical British child takes some £750 worth of technology to school. Obviously some take far more & others much less. But many of their families may still feel that they’re struggling or near poverty. The reality is that there’s so much more expensive stuff to buy today that people are conditioned to view as necessary (even when it’s far from that) & many children are far more demanding. Materialism is more prevalent. The pros & cons of so-called progress across the Western world in particular, but other regions are rapidly catching up. - Regards.

PrefInvestor1 20 Feb 2020

LLOYDS is going to FLY Eadwig: Perhaps I should just stick with US stocks and AIM stocks, I seem to be more suited to the environment. Hi @Eadwig, Well your AIM holdings seem to do a good job of balancing each other out on a day to day basis, falls in some (sometime large) being compensated by big rises elsewhere - AFC Energy up 8.7% today I see. I’d be worried about them all crashing at the same time, and certainly thats a possibility with US equities if there is a major correction. I do not have the intestinal fortitude required to invest in AIM stocks !!!. I have tried it in the past, held CAML and MANX (which is no longer trading - got bought out I think). ATB Pref

PrefInvestor1 20 Feb 2020

LLOYDS is going to FLY J_Westlock: Yep… and another couple that I’m trying to get out of… as Eadwig mentioned… my averaging down means my stakes have gone up in this set to levels I’m not comfortable with. Hi Again @J_Westlock, Well I never EVER put more than £10,000 in anything no matter how well its doing, done or might do. If the amount of my money invested gets to £10,000 then thats it - nothing more is going in there EVER. If will just have to sink or swim. After the renewables scare I actually bought back into BSIF (as it had fallen the most) and JLEN (as the articles said that its revenues were best protected against future power prices). Both are down by a tiny amount as of today - sort of £20. Yields are ~5.9% and ~5.6%. No plans to buy any more renewables. Sector seems to be recovering from that scare but it was just as well to reduce my overweight in the sector I think. Have you still got ORIT ?. ATB Pref

Eadwig 20 Feb 2020

LLOYDS is going to FLY PrefInvestor1: but the share still got hammered. You will have been on the sharp end of that one !. Sometimes there is other news, or forward guidance, that overcomes the estimates. I don’t remember being on the sharp end of that but if there was a big drop I will have traded it. FB is not far off all time highs and as of 20 minutes ago was standing on my books at 853.9% profit … what I have left of them. I took all my original capital back many years ago and its value represents about 5% of my portfolio currently, a larger slice of the pie than when I bought originally and my portfolio has doubled since then. Fx tailwinds in those figures given I built the position in 2013 and my average was $26, which is equivaent to about $21 today. A no deal Brexit will see my holding ten bag, which is why I aren’t cashing in. Was hoping for a big drop on BABA’s results given Corona etc, but no luck there. Approaching 200% up in BABA in about 3 years. That’s the sort of growth I can get my head around, not all this ‘the divi is up 5%’ business. I’m much better suited to that kind of ‘high risk’ approach … although I’ve never seen any risk at all in FB or BABA now I think about it. Perhaps I should just stick with US stocks and AIM stocks, I seem to be more suited to the environment.

PrefInvestor1 20 Feb 2020

LLOYDS is going to FLY regardless: Just topped up 3000 at 56.790p Well @regardless at least your buy looks to be somewhere at the bottom of the range, but things are pretty volatile ! ATB Pref

J_Westlock 20 Feb 2020

LLOYDS is going to FLY PrefInvestor1: as I think that you hold VOD, HSBA and maybe even LLOY Yep… and another couple that I’m trying to get out of… as Eadwig mentioned… my averaging down means my stakes have gone up in this set to levels I’m not comfortable with. I’m not a trader and don’t consider what I’m doing trading but just managing my risks. I find if I just leave things that it never has a good outcome… shifting back to cash occasionally and later find something undervalued/excessively sold is all I’m seeking to do… whilst maintaining a fairly rigid diversity across global sectors. The oilers have been great for that over the years.

Eadwig 20 Feb 2020

LLOYDS is going to FLY Trisco: As well as Sky TV, Broadband, Spotify account, Netflix sub, Amazon Prime sub, new iPhone every couple of years with large data allowance, gym, daily latte’s, expensive protein shakes etc… Not a hope they’ll have enough to set aside a month, to put towards a deposit. A few years ago there was a big uptick in muggings of teenagers, especially on their way to school or college and it took a while for the Police to work it out. They were carrying, on average, about £750 worth of electronics on them (phones, ipods, laptops, tablets, pen drives, SD cards etc etc not to mention debit card and cash). No doubt the latest mix of ‘must haves’ is even more expensive.

PrefInvestor1 20 Feb 2020

LLOYDS is going to FLY Eadwig: There is actually, you have to look at the analysts consensus and measure against that. It works on stocks like LLOY and almost every stock in USA - that’s why you see the big quarterly jumps, up or down, on stocks in USA. Hi @Eadwig, Well yes beating analysts estimates is important in the US especially. Not so sure about in the UK. And even in the US for the last Facebook results when I compared the numbers with the analysts expectations they were all there or thereabouts - but the share still got hammered. You will have been on the sharp end of that one !. ATB Pref

Eadwig 20 Feb 2020

LLOYDS is going to FLY PrefInvestor1: I had no idea how the market would react though, sometimes good results are hammered and bad results well received – just no way of telling. There is actually, you have to look at the analysts consensus and measure against that. It works on stocks like LLOY and almost every stock in USA - that’s why you see the big quarterly jumps, up or down, on stocks in USA. Fall in profit and revenue and poor outlook all pretty much expected given LLOY is a bellwhether for the UK economy. 5% divi rise just about keeps ahaed of inflation, but not if we keep on ploughing towards a no deal.

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