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James Bevan on cybersecurity, banks and the housing market Watch here

James Bevan on cybersecurity, banks and the housing market


Lloyds Share Chat (LLOY)



Share Price: 71.79Bid: 71.79Ask: 71.80Change: 0.00 (0.00%)No Movement on Lloyds Grp.
Spread: 0.01Spread as %: 0.01%Open: 72.24High: 72.47Low: 71.75Yesterday’s Close: 71.79


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deadcatsbounce
Posts: 446
Off Topic
Opinion:No Opinion
Price:71.79
RE: And I Vote Conservative - Usual..
Today 01:11
What is most worrying is that May is not strengthening her hand in the negotiations, in fact she is undermining the credibility of the UK in the forthcoming Brexit negotiations. Quite frankly EU leaders must be watching events in total bewilderment... I think May is now 'damaged goods'. She clearly is not a astute political animal. I expect there are already mutterings within Tory ranks about how they can offload her post election. Lifelong Tory supporters are walking away from voting for the Tories in the coming election. The same of course can be said of traditional Labour supporters who listen to some of the things that Corbyn comes out with and think is this man for real!! I expect that some of the UKIP supporters who would have migrated to the Tories will now be left scratching their heads... There is no way you could trust this woman, particularly now with Brexit, but what she has now proven is that she can successfully deliver chaos. Sterling took a knock today as Tory lead is clearly being eroded. Regardless of whether the Tories or Labour win, what we will have is the lunatics running the asylum. Realistically, it is unlikely that Corbyn will get in and if he does it will erode the value of my investments. If I put my thinking hat on better for my investments better that the Tories win, but then of course the pro Brexit 'intelligentsia' are pursuing policies which put migration in front of economics, so what do I know?
 
longtimeinvestor
Posts: 673
Off Topic
Opinion:No Opinion
Price:71.79
RE: Sp
Today 00:49
There will be many who have bought during the last year at levels between 50p and 68p who would have been cashing in along the way, so maybe a bit more profit taking in the afternoon. Everyone will have their own selling price, but my next partial sale will be a lot closer to 100p
cathsoames
Posts: 1,483
Off Topic
Opinion:No Opinion
Price:71.79
RE: Llong term care
Today 00:31
ps full payment from local government only matches their costs - doesn't cover additional cost of private homes. Mostly people probably know all this - but some might not or yet realise its complicatedish.
longtimeinvestor
Posts: 673
Off Topic
Opinion:No Opinion
Price:71.79
RE: Longtimeinvestor
Today 00:26
Jimiley
Maybe once the election is out of the way you may feel a bit more positive.

I'm not sure about a 'brexit slump' but there will certainly be a slump/recession in the future as there has always been in the past. Maybe if it happens in the summer of 2019 some may call it a 'brexit slump', but I will just call it a slump.
cathsoames
Posts: 1,483
Off Topic
Opinion:No Opinion
Price:71.79
Llong term care
Today 00:25
If anyone is thinking they might be involved with funding this - its worth looking into it carefully. It's rarely straightforward and often not low cost now. Around 2012 - about 40,000 homes were sold a year to help fund long term care, Full payment from local authorities only happens up to a certain amount of assets - 14,250 a year I think, and stops at 23,250 a year. There is the consideration of nursing attendance allowance depending on the situation which helps a bit. Some authorities run a deferred payment scheme. LTC endowments are sometimes a good idea - not may companies offer them - only one company really. If it looms up to a large extent, its worth a very careful look at options and speaking to a specialist IFA.

This isn't an attempt to explain it - or an intention to lecture - just a bit of hint after having been through it. There is a lot of smoke and mirrors when this subject is talked about by politicians - they promised a cap a long time ago, and assumptions by people including me at one time that it would not be too costly. Finding 30 to 40,000 a year or more as you choose for an unknown length of time can take some thought for many, Keeping a house even today isn't guaranteed. Good luck from the land of Il Duce,
longtimeinvestor
Posts: 673
Off Topic
Opinion:No Opinion
Price:71.79
RE: Longtimeinvestor
Mon 23:58
'Sell big time if you think he will win '

I won't be selling any Lloyds shares in the near future, only possibly buying more on any significant dip.

As I have stated earlier today, my aunt pays the full cost of her homecare (£750 per month) because she has a small pension in addition to the state pension . So is it fair that someone else who had the same opportunity to save, but instead chose to spend every last penny of income during their working life gets it for free ?
Jimiley
Posts: 821
Off Topic
Opinion:No Opinion
Price:71.79
Longtimeinvestor
Mon 23:45
An englishmans home is his castle. How vould may expect anybody to support a policy which gives away the castle when they ate dying. That is their legacy. So naive that she desrves to lose. backtracking now big time but does not have the good grace to admit a huge error which is compounding her stupidity. She is trying her best to hand victory to a communist and terrorist sympathizer. What is this country coming to. It is so mixed up he might even win. God help us all. Sell big time if you think he will win because the win would make the brexit slump look like chicken feed.
Jimiley
Posts: 821
Off Topic
Opinion:No Opinion
Price:71.79
Social Carr and may
Mon 23:35
Agreed that may did not need to bring this issue before the electorate. None of the other parties have a policy other than running down the Tory one. Policy is decided by May Timothy and hill. Latter two are not elected. The cabinet appears excluded. Timothy is a socialist. He is doing his best to get may the bullet. Always dangerous to rely on a small closed policy unit which is not tested and debated in cabinet. she thought she had it easy and could do what she wanted. She looks a bit of a dimwit now. Strong and silent with nothing of consequence to say. I will still vote for her because the alternative is disastrous.
longtimeinvestor
Posts: 673
Off Topic
Opinion:No Opinion
Price:71.79
RE: I have said on here..
Mon 23:31
'A huge mistake by May'

I certainly think that not specifying a maximum amount that could be retrieved from someone's estate in the manifesto was a mistake.
The simple truth is, is that money has to come from somewhere. The conservatives have stated their preferred option. It is up to voters to take this policy into account along with other policies and brexit ,and determine which is credible as far as they are concerned.
In the long term it would help if the individual during their working life saved via investments and pensions in order to generate extra income that may be needed for homecare and thus not having to have it taken out of their property proceeds . Low earners may not be able to do so, but at the same time are also likely not to have been able to have purchased a property anyway.
I haven't yet looked into where other parties are proposing to fund the increasing costs of homecare. An extra 5p on basic rate tax should do it, if that is someone's preferred option.
Everyone has a vote next month. Use it wisely
DAVB
Posts: 71
Off Topic
Opinion:No Opinion
Price:71.79
RE: I have said on here..
Mon 23:03
Can't argue with that!




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