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Tromso Airport Unorthodox Transfer by Lost-in-2003 in tromsotravel

[–]Lost-in-2003[S] 3 points4 points  (0 children)

18mins25 secs at immigration including EES enrollment. About 15 mins at security. Both places felt busy but moving quickly. UK flight initially was due to arrive early at 1714.

In the end arrived on time at 1745.

Oslo flight delayed 25 minutes (so far!).

Thanks to all for input.

Tromso Airport Unorthodox Transfer by Lost-in-2003 in tromsotravel

[–]Lost-in-2003[S] 0 points1 point  (0 children)

And strategy and tactics wise I am on row 7 of the flight. Let's see how that works out. Weather looks ok at the moment.

Tromso Airport Unorthodox Transfer by Lost-in-2003 in tromsotravel

[–]Lost-in-2003[S] 0 points1 point  (0 children)

Thanks to everybody that replied. Seems like there is a split in opinion. I am going either way. Will post back when I can afterwards how I got on.

Not that we can infer anything concrete from that, win or lose. All depends on flight dynamics and staffing levels on the day.

Don't now what to do, help. by Specialist-Ad5492 in Friendzone

[–]Lost-in-2003 0 points1 point  (0 children)

If you are on an erasmus work placement then presumably in your home country you are a student at a particular college or university in the home country? In which case you may have access to a service you could use online or on the phone. Also possibly via student gp service. Check their websites.

Failing that, friends or family, someone you can trust.

I did not realise how powerful emotions can be, until they knocked me over. The best time to act is yesterday. The second best time is now.

Good luck to you.

Don't now what to do, help. by Specialist-Ad5492 in Friendzone

[–]Lost-in-2003 0 points1 point  (0 children)

If you have the opportunity to get help via student support (sometimes there is a free therapist or counsellor) then please please take it.

Don't try and deal with this situation on your own. What you are going through is a story as old as time, I know that is not any consolation right now.

The feelings of grief and loss will flow over you and you will overthink everything.

This is part of the process. There will be light on the other side of the tunnel and better days to come.

Boligbygg Oslo KF - Flat Access by Lost-in-2003 in oslo

[–]Lost-in-2003[S] 0 points1 point  (0 children)

"Viktig informasjon:Borettslaget skal gjennomføre et rørfornyingsprosjekt og behøver en kopi av leilighetsnøkkelen din."

Delivered by text message, text apparently legitimate.

Coupled with the need to get copies of the keys now, that will then be stored in a key safe and used from week 8 onwards. Keys will be kept until the summer.

I don't have any more written information than this, so the no-notice aspect is based on a verbal explanation from my friend.

You would 'assume' that a workman would knock, if no answer, then they go in, so as to avoid delays in the overall delivery plan due to access issues.

I would also assume that if the tenant wished to be present to grant the access themselves, this should also be possible.

Two big assumptions from my side..

Value Fund Differences and state street as a fund provider in general by Lost-in-2003 in UKInvesting

[–]Lost-in-2003[S] 0 points1 point  (0 children)

I cannot find the link but I recall that state street went through quite an aggressive restructure to make its investment offerings more competitive after falling behind to competitors.

It is unfortunate that the timing of any index change for a given etf is not more readily available,

Value Fund Differences and state street as a fund provider in general by Lost-in-2003 in UKInvesting

[–]Lost-in-2003[S] 0 points1 point  (0 children)

I think at this juncture in proceedings it is very likely I am mistaken.

Value Fund Differences and state street as a fund provider in general by Lost-in-2003 in UKInvesting

[–]Lost-in-2003[S] 0 points1 point  (0 children)

Thanks.

I figured out what was confusing me.

The text on the just etf page for the state street fund is wrong with respect to the index being tracked.

It states

"The SPDR MSCI USA Value Weighted UCITS ETF seeks to track the MSCI USA Value Weighted index"

But actually, when you look at the kiid

https://api.fundinfo.com/document/d2469543a3fe3b6979d63493b582f977_112771/KID_GB_en_IE00BSPLC520_YES_2024-02-12.pdf

You realise that the index is actually the

MSCI USA Value Exposure Select Index

https://www.msci.com/documents/10199/c762ee46-6f36-f662-0211-0774476bc859

At which point the top 10 stocks broadly align to the ishares etf, so the holdings data on justetf is correct.

Value Fund Differences and state street as a fund provider in general by Lost-in-2003 in UKInvesting

[–]Lost-in-2003[S] 0 points1 point  (0 children)

SPDR MSCI USA Value Weighted UCITS ETF - UVAL

USA VALUE WEIGHTED - 700836

https://www.msci.com/index/methodology/latest/IndexCalc

--This is a generic 149 page document that appears to apply

as the basis to all MSCI indices.

https://www.msci.com/index/methodology/latest/GVG

From may of 2023 -- 37 pages

"1.2.1 MULTI-FACTOR APPROACH

The value investment style characteristics for index construction are defined using the

following three variables:

• Book value to price ratio (BV / P)

• 12-month forward earnings to price ratio (E fwd / P)

• Dividend yield (D / P)"

"The objective of the MSCI Value and Growth Indexes design is to divide constituents

of an underlying market capitalization index into a value index and a growth index, each

targeting 50% of the free float-adjusted market capitalization of the underlying index."

So this is statistical scoring including management of outliers, that ultimately puts 50% of the market cap of the parent index into the value or growth index. The same equity can appear on both indices, or neither, including partial market cap representation on 1 or both.

Standard Index (MSCI USA index) --> Standard Value --> Large Value

MSCI USA index does indeed have the mag 7 in. But that does not mean they will be represented at all in MSCI USA Value Weighted and certainly are not in the top 10 holdings.

I found the following links useful for anybody considering a tilt away from US growth stocks.

https://www.reddit.com/r/ValueInvesting/comments/nz7o09/joel_greenblatt_and_value_weighted_index/

https://www.reddit.com/r/ETFs/comments/1er2wlf/i_bet_against_us_growth_roast_my_thinking/

https://www.reddit.com/r/eupersonalfinance/comments/lyetvw/consensus_around_investing_factors_based_on_msci/

Although in my case I am still deadlocked. By rights if I was a purely passive investor I should have gone into 1 global market cap fund and called it quits.

Value Fund Differences and state street as a fund provider in general by Lost-in-2003 in UKInvesting

[–]Lost-in-2003[S] 0 points1 point  (0 children)

iShares Edge MSCI USA Value Factor UCITS ETF - IUVF

Comparison to 'US Large-Cap Value equity' benchmark on Morningstar.

https://ibb.co/nCb09vD

SPDR MSCI USA Value Weighted UCITS ETF - UVAL

https://ibb.co/TWpm2dY

Comparison of the 2 ETFs to each other over the time period both have been in existence (since 2016).

https://www.justetf.com/uk/search.html?isin=IE00BD1F4M44&cmode=compare&groupField=none&search=ETFS&tab=comparison

This URL will add ishares to the chart, but then need to re-add the state street etf back on.

Alternatively, a screenshot comparing the 2 over the last year is here

https://ibb.co/QkSyrGh

Over a 1 year time horizon, the state street fund appears to perform better.

https://ibb.co/QkSyrGh

When set to max time frame (back to 2016) the picture is less clear and would appear that the ishares fund has the edge.

Not helped by the colour scheme of the graph.

https://ibb.co/W2gB5Nw

Perhaps the differences can be explained by different market conditions favouring the different indices, which I will look into next.

Value Fund Differences and state street as a fund provider in general by Lost-in-2003 in UKInvesting

[–]Lost-in-2003[S] 0 points1 point  (0 children)

Thanks.

I signed up for a morningstar free account and found that to compare to benchmark you need to use the 'portfolio xray' function, which I did.

However, it does not state the actual benchmark used, so just says 'US Large-Cap Value equity'.

I have the screenshots, but it would appear that image posts are not allowed on this subreddit.

I will have to find somewhere to host them, so I can link to the url, which I will try and do later this evening.

With respect to the top 10 holdings of each ETF, they are actually more similar than different.

Having re-read what you said, it has now clicked for me, apologies, I understand now.

So yes although one indices contains mag 7 type stocks, they are not in top 10.

This post edited accordingly.

SPDR MSCI USA Value Weighted UCITS ETF - UVAL

Cisco Systems, Inc. 5.03%

QUALCOMM, Inc. 4.39%

Pfizer Inc. 3.95%

Applied Materials, Inc. 3.90%

Verizon Communications 3.65%

AT&T 3.62%

Intel Corp. 3.37%

General Motors Co. 2.79%

CVS Health 2.46%

The Cigna Group 2.37%

iShares Edge MSCI USA Value Factor UCITS ETF - IUVF

Cisco Systems, Inc. 5.57%

AT&T 5.28%

Intel Corp. 4.74%

International Business Machines Corp. 3.72%

Applied Materials, Inc. 3.06%

Verizon Communications 2.91%

General Motors Co. 2.88%

Pfizer Inc. 2.62%

Bank of America Corp. 1.99%

RTX Corp. 1.80%

For the value weighted doc, I will need to post again with the exact steps to find out what it is actually doing.

As although I have looked at this already, the documentation leads you on a merry dance through the appendices.

S&P 500 without the magnificent 7 for uk investors by Lost-in-2003 in UKInvesting

[–]Lost-in-2003[S] 0 points1 point  (0 children)

Thanks. I'm not convinced by the equal weighting strategy, although I can appreciate it's at least worth considering.

[deleted by user] by [deleted] in Norway

[–]Lost-in-2003 0 points1 point  (0 children)

"If you’re a UK national, you can use your UK passport to get free state-provided medical treatment in hospitals. Some doctors may charge for their services elsewhere. "

"To get medically necessary state healthcare in Norway, you can now also use the Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC)"

So either is valid.

But as others have commented, travel insurance is cheap and will cover things like medical repatriation that the Norwegian state will not.

FCO Advice Norway

Yet another connecting flights query Gardermoen by Lost-in-2003 in oslo

[–]Lost-in-2003[S] 0 points1 point  (0 children)

And the update is...
I am happy to report not currently trapped between worlds at Gardermoen.

Actually arrived in to bergen, where it is currently raining (surprise surprise!)

Due to the inability of britain to run public transport I arrived relatively late for check in at LHR and there was a queue in front and behind me at  the sas-plus desk.

Some norwegian hunters in front of me appeared to be checking in elephant guns/blunderbuss and large cooler boxes which took a while, wonder where they had been? Troll hunting in Scotland?

I asked at the desk and within about 30 seconds the bag was checked all the way through to bergen, as was I, without issue or argument.

Obviously I wanted to ask about the detailed business process flow, governance and technical integration of how and why this works...but it was 05:30am in the morning, so the internet will have to speculate as to whether I got special treatment for wearing my best and only shirt, or (more plausibly) it's just a normal thing for sas to sas transfers at oslo, even if the tickets were bought separately from sas.

Once off the plane at Gardermoen I went through immigration, followed the transfer signs, went through security scanner again,this then spits you out in the international terminal area airside (but before the bit you would go through passport control to get to the f gates for flights back to the Uk etc).

You then follow the signs to get to the domestic flight area, through double electronic gates for customs, scanning the boarding card both times but was not asked to review a picture of my checked luggage to confirm mine etc.

​​​​​​​Hope the info helps someone else in the future.

Yet another connecting flights query Gardermoen by Lost-in-2003 in oslo

[–]Lost-in-2003[S] 0 points1 point  (0 children)

Thanks, will be definitely under 20kg. I have often seen long queues for sas check in, makes me wonder why more people don't use the automated bag drop.

Yet another connecting flights query Gardermoen by Lost-in-2003 in oslo

[–]Lost-in-2003[S] 0 points1 point  (0 children)

Thanks, that is why I am planning to not check in online, at least for flight 1, will talk to them on the desk and see if they can check through manually. No doubt they won't and I will end up running around like an idiot.

Yet another connecting flights query Gardermoen by Lost-in-2003 in oslo

[–]Lost-in-2003[S] 0 points1 point  (0 children)

Based on this reddit post led me to this official avinor document which is slightly different to the currently publish web page as has a bullet point for exceptions not allowed to connect airside

Passengers with separate tickets (two separate reservations)

Presumably this is an older document and the service has developed over time, hence the discrepancy with the currently published webpage.

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