fletchsmile

bangkok blue, on 2012-05-25 12:12:07, said:

Bolton got 2 straight reds. Muzzy Izzet came on for Savage and I if I remember I Think he got two yellows so ironically got sent off. Yes after the ridiculous straight reds - should have been no more than yellows really - I think everyone was trying to get players sent off as they realised how poor Riley was and the poor decisions he was making. Bolton were looking to compensate, and Leicester wondering if they could get any more.

Cheers for the info. We already have True visions, and we have a splitter (no longer used) so could hopefully avoid plugging the wires in and out. Just a bit reluctant to buy if 1) it doesn't work and 2) have to set it up myself and don't know what I'm doing - that said I've learnt a lot from trial and error with True Visions and electrics generally in Thailand when things go wrong - I usually work out the answers, just that it's quicker to use an expert. I just want to know it'll work, otherwise I'm the type to keep trying for ages...

Cheers
Fletch

MrRed, on 2012-05-25 10:03:33, said:

Thanks Mr. Red. What's a digi-box? How does it get its feed/ source/ input into the box?

AyG, on 2012-05-25 08:25:30, said:

Yes it may well be written so he can withdraw up to about 75%. This is common in OPBs too. The 25% is left in to ensure the fees are covered and to protect the sellers of the products. Over time the money goes as the fees are paid, and returns on 1/4 of your initial investment need say 8% just to cover 2% fees if charged on original amount.

Exeter,

My father actually had some of these bonds when he passed away, including one with Standard Life, as well as Liverpool Victoria, Prudential etc. I really didn't like them as they were poor value for money and intransparent, not to mention difficult to do anything with and my mum didn't understand how they worked. We just waited for a stable market period and sold them all as soon as possible. I knew I could find better investment homes for the money, and have done. In our case we just wanted shut as soon as possible, and knew every day left with them, was just more hassle, and a day missed in putting the funds to better use. It wasn't nice to take losses on the bond, and get back less than my parents had put in, particularly as my mum needs this money and needs reasonable returns on it. It was a relief to be done with them though, have peace of mind, and in our case re-invest in products for my mum that have done better since.

So can understand why you've earmarked this as the one you want to sell. There's also the emotional relief of getting rid of a crap product, and you'll probably feel better once you've got rid of it. Peace of mind is worth a lot. So even if you "lose" a thousand quid say in market timing compared to what you "might have got" if there's a small rally. Given the record track they've - turned 25k into 24k into 5 years, it's worth remembering that's where the bulk of your performance has gone and any small gains won't mean much anyway, it's still been a crap product regardless of what happens in the last few months. You're not going to get say another 6k in that time so you look back and say after 5 years you got 30k on 25k which is "not too bad". Total return after 5 years will still be poor whether 24k or 25k

I don't see any significant market rally on the cards - at least not until Q4, and there's plenty of things could go wrong to the downside

If July is your time frame. Taking 20k now (no fees) and the rest in July (no fees) would at least give you peace of mind that it's all done and dusted and you can move on with life. Leopards don't change their spots and crap products rarely turn good in such a short time frame. The big decisions have already passed really, and this is just a smaller one with a little bit of timing which pales into significance on what has gone before...

FWIW If you'd have asked in early April, I'd have said go with the old adage of "sell in May and go away", as markets had had a good run. Unfortunately the good run has disappeared now. The second part of the adage (less often quoted) is to come back again on St.Leger's day which is the horse race in mid-September. Historically and statistically there's some merit in this, and unless you're waiting for a September (I said Q4) pick up at the earliest.....then there's not much chance of a significant pick up soon

Duplicate

Glad to see Kevin Davies will stay. Yes he's getting on a bit, but is an exemplary leader, and a great guy. He also does a lot of excellent charity work in Bolton, and is very happy there with his family, which are key reasons for staying:

http://www1.skysport...deal-for-Davies

Of the ones leaving:

Gretar Steinsson, Paul Robinson, Sean Davis, Robbie Blake, Ricardo Gardner, Ivan Klasnic, Mark Connolly, Tope Obadeyi, Rhys Bennett, Dino Fazlic and Tom Eckersley have all been release

Steinsson was worth keeping. Ricardo Garner has been an excellent player for the club over the years, although passed it now he's been a fans' favourite for years. Klasnic scored some good goals and was an improvement on "Cinderella" Elmander (personally I thought he was more of a donkey than Cinderella, but understood where the nickname came from and he should have "gone to the ball" a bit more). After that the rest are fringe players, who rarely played. Reo-Coker also wants to leave. Fair enough. probably the last mid-fielder in the team we had fit. OK but should be able to replace.

So all in all not a bad clear-out so far...