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  1. #11761
    percy
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    Quote Originally Posted by minimoke View Post
    Cant go wrong with that. Even a pair of socks would wear out in a couple of years and you would have nothing to show for your gift. (I treated myself to a santa sack load of OCA)
    OCA.Best retirement sector divie yield,and a nice home for you when you wear out.!..lol.
    Last edited by percy; 19-12-2018 at 08:08 PM.

  2. #11762
    percy
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    Quote Originally Posted by Baa_Baa View Post
    Thank you, I will read that, again, maybe I missed something important. It doesn't stand to reason that a bank would disregard a property's market valuation when considering how much they would lend on the said property.
    Big difference between lending 80% to 90% of a property's valuation and 12% to 40%.

    Remember the story about the difference between being committed and being involved.?

    A pig and a chicken were walking along the road early one sunny morning,when they came upon a cafe.

    The chicken said to the pig "lets go and have breakfast of bacon and eggs".

    The pig said no,"for you,you are only involved ,yet for me it is a commitment."
    I like to think HGH are" involved "in the Australian property market,while the Australian Banks are "committed".
    Last edited by percy; 20-12-2018 at 07:04 AM.

  3. #11763
    One Fearsome Feline winner69's Avatar
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    These guys should come and see Heartland and share ideas


    Transforming a Traditional Bank into an Agile Market Leader

    https://www.strategy-business.com/ar..._campaign=resp
    “What the wise man does in the beginning, the fool does in the end”

  4. #11764
    Hunting for more dog food Beagle's Avatar
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    Quote Originally Posted by percy View Post
    Big difference between lending 80% to 90% of a property's valuation and 12% to 40%.

    Remember the story about the difference between being committed and being involved.?

    A pig and a chicken were walking along the road early one sunny morning,when they came upon a cafe.

    The chicken said to the pig "lets go and have breakfast of bacon and eggs".

    The pig said no,"for you,you are only involved ,yet for me it is a commitment."
    I like to think HGH are" involved "in the Australian property market,while the Australian Banks are "committed".
    lol, good story. Unfortunately if we head into a recession I believe all financials will get tarred with the same brush.
    No butts, hold no mutts, (unless they're the furry variety).

  5. #11765
    always learning ... BlackPeter's Avatar
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    Quote Originally Posted by Beagle View Post
    lol, good story. Unfortunately if we head into a recession I believe all financials will get tarred with the same brush.
    True - however ... some will survive and others may not ...

    Despite a risk for all financial institutions to drop in price - it still might be better to own the ones which do survive.
    ----
    "Prediction is very difficult, especially about the future" (Niels Bohr)

  6. #11766
    percy
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    Shares with directors with a lot of skin on the line, good management,a strong balance sheet, and the capacity to grow dividends always recover the quickest from any recession.
    You do your research, and are sure your portfolio will survive any stress test,but you never know if you are right or not until the recession is over.

  7. #11767
    percy
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    I will be sorry to see CFO David Mackell leave Heartland.Very competent, easy to talk to person,as was his predecessor Simon Owen.

  8. #11768
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    Quote Originally Posted by percy View Post
    I will be sorry to see CFO David Mackell leave Heartland.Very competent, easy to talk to person,as was his predecessor Simon Owen.
    Yeh I worked with him a long time ago at Air NZ. He was a whizz on the spreadsheet I can assure you. So he was at AIR for decades and yet leaves Heartland after a year? Hmmm
    A slight concern from my view but equally could be nothing.
    For clarity, nothing I say is advice....

  9. #11769
    One Fearsome Feline winner69's Avatar
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    Quote Originally Posted by peat View Post
    Yeh I worked with him a long time ago at Air NZ. He was a whizz on the spreadsheet I can assure you. So he was at AIR for decades and yet leaves Heartland after a year? Hmmm
    A slight concern from my view but equally could be nothing.
    Where’s he off to — another listed company they say
    “What the wise man does in the beginning, the fool does in the end”

  10. #11770
    Hunting for more dog food Beagle's Avatar
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    Wouldn't surprise me if Chris made him an offer he can't refuse.
    Last edited by Beagle; 21-12-2018 at 07:02 PM.
    No butts, hold no mutts, (unless they're the furry variety).

  11. #11771
    percy
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    I think you are right.I would not be surprised either.

  12. #11772
    percy
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    Well I am very surprised he is moving from HGH, with a market cap of near $768mil, to NZM with a market cap of near $100mil. ?

  13. #11773
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    Quote Originally Posted by percy View Post
    Well I am very surprised he is moving from HGH, with a market cap of near $768mil, to NZM with a market cap of near $100mil. ?
    NZM will pay him the big(er) bucks I reckon... they need to try turn that slowly sinking ship around
    New challenge for David etc... maybe the bank job isn't all that he thought it would be

  14. #11774
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    Quote Originally Posted by trader_jackson View Post
    NZM will pay him the big(er) bucks I reckon... they need to try turn that slowly sinking ship around
    New challenge for David etc... maybe the bank job isn't all that he thought it would be
    I'm not sure if hes a strategist or simply a good bean counter.
    For clarity, nothing I say is advice....

  15. #11775
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    "Heartland will consider its on-going requirements, particularly in light of the recent corporate restructure, and will provide a further market update prior to David’s departure.

    That's code Jeff uses to say he is going to start empire building .....probably a Group Finance person with a CFO for both both the Bank and Australia reporting to him. Sounds like more expenses to me
    “What the wise man does in the beginning, the fool does in the end”

  16. #11776
    percy
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    Quote Originally Posted by winner69 View Post
    "Heartland will consider its on-going requirements, particularly in light of the recent corporate restructure, and will provide a further market update prior to David’s departure.

    That's code Jeff uses to say he is going to start empire building .....probably a Group Finance person with a CFO for both both the Bank and Australia reporting to him. Sounds like more expenses to me
    Sounds to me as though Jeff is laying the foundations to deliver on the growth opportunities, avaliable to HGH in both NZ and Australia.
    Bring it on.

  17. #11777
    Membaa
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    From $2.14 high to this YE close $1.36 is a big disappointment. Stuff the dividends, it'd be years to recover that degree of capital losses. Shows how with ramping and ceaseless promotion, that a share can get way ahead of itself and upset a lot of punters for a long time when sensibility creeps back in. God help HGH if the market Bear truely takes hold, all I can say is you'll need a strong stomach if you're holding and impeccable timing to find and get a fill at the lows, wherever that ends up being.

  18. #11778
    percy
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    I respect the directors and management of HGH more than Sharetrader posters,as they have very large personnel holdings,and each have proven successful business records.
    None of them have sold any of their shares.
    HGH have a record of achieving what they say they will do.They are taking advantage of the opportunities that are avaliable to them.
    I still retain my view of HGH as a high conviction stock.It is my second largest holding.
    I will refrain from making a decission to hold,sell or buy more until HGH's interim report is released in early Feburary,however I am expecting a solid result with a positive outlook..

    disc.I brought a few more last week,as a Christmas present for myself..
    Last edited by percy; 24-12-2018 at 08:50 PM.

  19. #11779
    Trying to get outta here
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    Quote Originally Posted by percy View Post
    I respect the directors and management of HGH more than Sharetrader posters,as they have very large personnel holdings,and each have proven successful business records.
    None of them have sold any of their shares.
    HGH have a record of achieving what they say they will do.They are taking advantage of the opportunities that are avaliable to them.
    I still retain my view of HGH as a high conviction stock.It is my second largest holding.
    I will refrain from making a decission to hold,sell or buy more until HGH's interim report is released in early Feburary,however I am expecting a solid result with a positive outlook..

    disc.I brought a few more last week.
    I'm thinking both HGH and TRA will be good candidates for the 2019 stock picking comp, dash I've let the cat out of the bag now.

  20. #11780
    Hunting for more dog food Beagle's Avatar
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    Quote Originally Posted by couta1 View Post
    I'm thinking both HGH and TRA will be good candidates for the 2019 stock picking comp, dash I've let the cat out of the bag now.
    Neither are defensive in a bear market so to pick then one needs to assume either the bear isn't coming here or these companies are special and immune to a bear market, (nothing about their SP performance in 2018 provides evidence of the latter in my opinion). If they could just stop going down and pay their dividends for 2019 that would be a good start. (Still hold some HGH)
    Last edited by Beagle; 25-12-2018 at 04:03 PM.
    No butts, hold no mutts, (unless they're the furry variety).

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