It's time to start digging up those Squirrelled Nuts!!!!

jennystarpepper

@westv That sounds like a good mix, we self-cater either apartment at Christmas and A Villa late summer.  We probably eat out every other day, if we do have an evening meal in, it is either a bag of salad with something slapped on the BBQ, or a salad with a pre-cooked chicken, quick and easy.  

Sea_Shell

GazzaBloom said:

Sea_Shell said:

Anonymous101 said:

Audaxer said:

A few months ago we went to an upmarket pub/restaurant for a two course lunch which cost us around £60 for two of us, including one drink each. The meal was not that great and the starters were miniscule for the price. More recently on the way back from a morning walk we stopped at a nice looking cafe and treated ourselves to two delicious Full English breakfasts and pots of tea at a total cost of £25. That is what we intend doing in future as much better value and more enjoyable.

Absolutely agree. We have found those upmarket (but not high end) type places least value.
For us its either really upper end (which we are unable to replicate at home) or good quality cheap eats.

For pure value, there's not much better than enjoying a fish and chip supper sat on a bench with a sea view.

Absolutely!!!

We plan to do this soon.   Hunstanton here we come! 😎


Unless it's raining. ☹️😉

I love fish and chips at Hunstanton, we live not far away and I like to park in the north promenade car park, which is right next to the sea wall, there always seems to be spaces as not many tourists seem to know it's there, and is just a hundred yards from the green. We walk up the green, get the chips and go back and sit on the sea wall. My favorite time is on a warm evening when the tide is in!

Had our F&C lunch in Hunstanton today.  Fisher's.... portions beat us again. #stuffed 😉

Lovely and warm and sunny.😎. Tide was way out though.

We initially parked at the far north end car park and went for a walk along the beach.  Then moved the car to the North prom car park (thanks for the tip @GazzaBloom).   Signage is a bit confusing mind, as it initially reads that it's not public, but a small section is.

Something was kicking off by the Bowls club.  Fire, police, paramedics 😲. I hope no-one has been hurt. ☹️ (Nothing on the news yet)

Wells yesterday.  Walked all the way to Holkham cafe and back...phew.

Sea_Shell

Quiet reflection to pay my respects, in some small way.

Sea_Shell

We need some cash for a home improvement project.   Not loads, probably about £5k (just awaiting quotes)

We've decided not to use our cash float, but to make withdrawal from our S&S ISAs, we think?  

Now's the fun part....which fund??


The one that's up £17k (against what we've paid in over the years*) but is down 22.5% from its high point. (Rathbones)

or

The one that's down £2k (against payments in), but that's only down 8.7% from its high point. (HSBC)


* What we paid in includes £19k of profit that was taken from one and invested in the other.



We can't decide between taking (old) profit, or crystalising a larger (current) loss.

WWYD and why?

jimpwarsop

Its a guess.  The way to go is to cash in from the investment you "think" will make lower returns in the mid term.

I needed to cash in £25k of shares recently, I cashed in Astrazeneca, BP and HSBC, based on previoud performance, long and short term.

Future performance should already be priced in those shares, although I do hope to buy Astrazeneca when the opportunity arises.

Sea_Shell

There's a third way.

Split the withdrawal proportionally to current holding?

jimpwarsop

Sea_Shell said:

There's a third way.

Split the withdrawal proportionally to current holding?

Of course, suggesting you (like me, and millions of others) have little idea of what is going on.

One thing for sure I wont be getting rid of my government backed index linked savings certificates.

barnstar2077

Why not use cash?  Then you wouldn't have to crystalise a loss, isn't that what the cash is there for? (Assuming you have over 5k in cash that is.)

Sea_Shell

barnstar2077 said:

Why not use cash?  Then you wouldn't have to crystalise a loss, isn't that what the cash is there for? (Assuming you have over 5k in cash that is.)

We could, I suppose, but when do you then replenish the cash?

Maybe we'll include our cash in the proportionate split?


Worse problems to have. 🙄

NedS

Sea_Shell said:

We need some cash for a home improvement project.   Not loads, probably about £5k (just awaiting quotes)

We've decided not to use our cash float, but to make withdrawal from our S&S ISAs, we think?  

Now's the fun part....which fund??


The one that's up £17k (against what we've paid in over the years*) but is down 22.5% from its high point. (Rathbones)

or

The one that's down £2k (against payments in), but that's only down 8.7% from its high point. (HSBC)


* What we paid in includes £19k of profit that was taken from one and invested in the other.



We can't decide between taking (old) profit, or crystalising a larger (current) loss.

WWYD and why?

I would not look backwards - what is past is done, and is not relevant. So I would not worry about crystalising any losses. I would wholly focus on looking forward and making your best judgement as to which fund(s) you think will perform best (or least worst) from here. If you don't have a view on that, just re-balance to your chosen weightings.