Member Info for botbot1202

Bhants.

This is from the P&O Website.

Guaranteed cabins

When you or your travel agent come to make a booking you may be offered the guarantee of a cabin type, rather than a specific cabin number. Accepting a guarantee means that you have a firm booking and can go ahead with your holiday plans in the same way as if you had accepted a specific cabin number from the outset. When we allocate a cabin number you can rest assured you will be given a cabin in the grade you have booked, or, in some instances, a higher grade. Please note that the cabin allocated can be on any deck and in any location. The price you have been quoted will remain unchanged. If you are booking as a group, you may not be allocated cabins that are adjacent to one another.

https://www.pocruises.com/essential-information/information-required-at-the-time-of-booking

Aspers.

I would agree.!

Carnival are the only Cruise line I believe that does not hedge it's Oil price, so the extra $30 for the price of oil at the moment is going to cost them $1bn in yearly profit. So every week is approx. $20m profit gone at a $30 Oil increase. Therefore it's approx. cost them $40m in profit in the last two weeks.!

Every week this drags out, it's going to hurt more and more. My hope / theory is that either they will declare victory (obviously without it anyway), tankers will be escorted through, or the pipelines will be fully opened and divert away from the strait.

Re CCL, I'm hoping that they will announce that the private islands profits will have offset any losses re Oil, which will mean that when this stops, the profit will be even more...... that's my Hope..... Theory...... BullS**t..... or whatever we want to say.....

Bhants.

WTF.....

How the hell can they do that....... It's a guaranteed room......... "GUARANTEED"...........

WTF.......

That is absolutely disgusting.....

OUR RESULTS ARE ON 19th MARCH....... One Week today.......

UK Closed at $24.32

US Closed at $23.91

That's another 41c drop

Which is now 30.5p drop for us in the morning like for like.

Of course, if more ships are burning, or they manage to hit a US Ship, all bets are off...

This is very interesting...

I've always gone to Guest Services and ask for the Gratuities to be removed, which they do within 24 hours.

I have talked to several Cabin stewards, and they don't see the money. Their pay is fixed, so this is another "cruise tax" from the cruise lines.

The rare times I've gone into the dining room, if i've got on well with the waiter, I've asked them as well, and again, it's the same, they don't see it.

and this is why I have it removed. I then give the tips to the people who clean the toilets, the people who clean the casino, my cabin person and anyone else who " Serves" me rather than the generic. I usually end up giving more tips away than it would have cost if I just left the Gratuities on the room, but at least I know they are actually get the money.

UK Close $25,66. US Close $25.91.

Gain $0.25 which is 18.5p gain after our close.

P412.

So You.

Cost = £5,000. Current Price = £20,000. Total Up = £15,000.

Sell 6/4/26. £15,000 - £3,000 = £12,000 @ 18% = £2,160 Tax.

Total Return = £20,000 - £2,160 = £17,840

Wifey

Cost = £22,000. Current Price = £35,000. Total Up = £13,000

Sell 6/4/26. £13,000 - £3,000 = £10,000 @ 18% = £1,800 Tax.

Total Return = £35,000 - £1,800 = £33,200

Overall Total

Combined Cash Return = £55,000 - £3,960 = £51,040. Which in essence is a 7.2% tax on the £55,000

That's a lot less than taking extra from your SIPP for example, which depending on how much you take already would invoke a 40% tax charge instead.

You could Bed and ISA some of it to the max allowance, and then take the rest, you could just take it all.

The problem in just leaving it and trying to take the allowance every year is that the allowance may well go down further in future years, and in theory the SP will increase, so you'll potentially have a lower allowance and a bigger profit to deal with as well.

The decision/s are yours..... I'm sure Wifey can find ways of spending £51,000.!

You could go and buy a new Q3....!!! I did.!

TOPO.

The reality is, it's a gamble....

The Middle East have started to wake up to the strait, and are now going to start using the pipelines, so hopefully that will take some of the pressure off, as it sends the oil away from that part.

BUT.... This could go down, it could go up...

Could it all get worse than what it is... of course. Iran could sink an Aircraft Carrier, and I'm sure we would probably be at £5 a share instead, but who knows.!

The reality is, eventually, this will be higher.

I sold (except my Trading Account, as I can't take the CGT hit this tax year), but bought back in after the initial 11% drop. I'm down 8% ish on the re-buy, of course, I've made a fortune out of Carnival over the last few years, so the 8% down is a fake number in real terms.

I still firmly believe £30 for 2026.

Bhants.

The Daughter had a student loan of £50,000.

She's been paying it for the past 10 years. The last few years she's been paying £6,000 a year...

We've just decided to pay it off for her...... The reason........ Despite all her payments, she still owes £46,000........

and that is how the Government have the "Stealth Taxes" that people talk about.!

Bhants.

I know you're old school, and always assumed you had structured income, through an old works pension or an annuity, BUT, you can still, if you want to, take the 25% tax free allowance, out of your SIPP if you wanted to. You don't have to take the full amount, but you can take £5k, or £10k etc. out tax free..Just so you can treat Mrs Bhants on Iona..!!!

P412

If you don't need the money again you should work it out on paper.

So £55,000, which I assume is just yours, with £15,000 profit.

That's £12,000 x 18% = £2,160.

Total cash back = £55,000 - £2,160 = £52,840

Versus, leaving it in situ for the next 3 years lets say..... and taking the only the £3,000 (assuming it doesn't reduce anymore of course) allowance..... but then adding that in theory that the SP will grow by 10% a year....

Put all that down on paper, and you get your answer.!

Intime.

You are absolutely right.

The big boys will make the decisions, and us lowly people will just have to deal with it.

And damn.... I didn't think I typed that much, but obviously I did LOL

P412ms.

I love the "Accomplished Trader" statement. That made me laugh.

I have made so many huge mistakes in my years of owning shares, it's an understatement..... but, thank you for the attempted compliment.

ok... To your question. Ironically, I have actually recently been working on this exact same scenario...

So, let's say you take £50,270 a year from your SIPP, plus the 25% Allowance, so you then £67,026 allowance.

You then pay £7,540 in tax.

But, you have your SAGA shares, which are £15,000 up.... To which you would take the £3,000 tax free, and then pay the CGT on the £12,000, which would be £2,160 tax.

So, in essence, let's pretend you invested £52,026 into SAGA, and therefore now you have £67,026 in essence in your Trading account...

That means you will take out £67,026 from your trading account, and pay a total of £2,160

This is versus taking the £67,026 out of your SIPP using 25% of your tax free allowance, and then also paying £7,540 in tax...

When you put the two aspects of taking money out next to each other, the reality is that taking the money from your Trading Account is actually better... and the reason is..... and this is something that I never managed to consider previously, is that you get your initial investment back as well.

Which, within your SIPP, you don't consider that, you just take your allowance.

This is what I would suggest you do.....

Lay out your plans for year 6/4/26 to 5/4/27.... How much money are you planning to take out, and how much from Wifey's accounts...

Put the numbers together, and work out what tax you would pay if you took the minimum CGT £3,000 allowance.... and the rest of your money via your normal means...

Then, re-work it taking out all your Trading Account monies, and reducing your amounts from your SIPPs accordingly.

So, in the end, the two scenario's equal the same "cash take out" amounts, and then compare how much tax you will pay on the two scenarios.

That will give you the answers to your particular financial scenario. For me, it was easy...

I've run out of Cash. We spend £100k plus a year, and I take the max out of my SIPP ie 67,026, plus £16,760 from Wifey, i.e. £84k.... but I want to also put money into my ISA's, so taking my trading account in the next tax year is the most tax efficient way of getting the money, unless I take the money out of my ISAs, which I don't want to do..

Although..... many many financial advisors would always say to take the minimum from your Trading account to the CGT limits, take from your ISA, and then your SIPP, but everything has changed. Pensions are now part of Inheritance, so the old logical rules have changed.

Obviously this isn't financial advise, it's just my observations, and you should sit down with pen and paper (and I actually mean pen and paper as well) and work it out.

It's definitely a me thing...

I buy, and it drops......!!!

Could have saved myself 3p.!

Well.

In for a penny, in for many extra pounds.... decided to average down. Shame I didn't do it on Monday before the 10% ish jump yesterday.

This seriously is a bottom draw share, give it twenty years and with all the holdings, once the IPO's start, this could easily be many many times more.

Something to leave the grandchildren.!

Could have been better today, but hey.....

UK Closed at $26.02. US Closed at $26.16. 14c or 10p ish UP after our close.

The US has changed it's clocks now...

So the Drop/Gains will now happen at 1.30pm UK Time until we change our clocks.......

I'm not going to mention anything about politics since I've left, but obviously now i'm back we seem to have a jump coming....

We had an exceptional Cruise. The weather was very good considering it was early March.

I had $1,000 freeplay to pick up, and turned it into $3,200 and cashed out.

I was in the casino about an hour total for the cruise. Spent all the time with the wifey....!!!!

Home for just over 4 weeks before the big Singapore/Asia/Japan/Trans-Pacific cruise.......