Member Info for botbot1202

Bhants.

It doesn't matter.

We all lost.

Another 20p drop.

Viking - Up, Royal - Even... Carnival tanking.......

Different Day, same result.

CWWX

Unless I'm mistaken, it's the below.

CWWX £13.05

Sparky £13.35

NSS £13.70

Angus1 £14.00

Rossibop66 £14.78

botbot £15.15

Nd whose's going to win, that's easy...... me.

It's going to be a 20% UP Day today at 2.30pm.

Bhants.

We plan two weeks before hand and eat all the food.!

The only thing that is ever left is eggs, butter and sauces.

We buy a BOB milk (Best of Both) as they have a use by date a month out, so when we get home we have Milk for my Tea.!

TOPO.

So a financial adviser would say that a Pension is outside of your IHT limits and an ISA is inside it, so you should always use your ISA pots first.

But, I would say, use your Pension, at to the 40% tax bracket, i.e. £50,270, if you are in drawdown and still have tax free, basically you can take (rounded) £68,000 from your pension, which would be £51k taxable, which would be £7,500 tax, approx. £60,000 total after tax, and then put £20,000 into your ISA if you overdraw and have money left over.

Keeping the ISA monies for the "top up" emergency aspects.

Of course, all of that logic is dependant on your pension pot size etc. as well.

You can "claim back" 5 x years of share trading capital gains/losses, so you could look at that, and see if you have a chunk in your trading account, you could take £40,000 out from there, and put £20k for you, £20k for the misses into an ISA etc.

If you then want to be really clever, you could get the kids to set up an ISA, and put the £20k of your money into their ISA, as long as they aren't using the allowance. That way, the money is now in their name, so if you were to die, that would be outside of IHT as well (but now we start getting really complicated with IHT allowance etc. so I won't go there)

Anyway, hope it all helps.

TOPO.

An ISA Account for an adult, you have two choices (there is a third, but not relevant for you)

You can get a Cash ISA, that is simple a Cash savings account, which has a tax-free wrapper around it. Simply google best Cash ISA rates. You can have as many ISA's as you like, BUT, you cannot put more than £20k a year away, in total, in them.

If you withdraw from the ISA, then you cannot put that money back, i.e. You put £20k in, you take out £5k, you can't then re-add £5k next month.

Second option is a Stocks and Shares ISA. That can be set up on any trading platform, or through any bank.

AJBell, Fidelity, HL, Main high street banks etc.

You then simply buy the relevant shares, but within your ISA Account, which is shown as separate to your trading/investment account, and your SIPP.

The same logic applies in relation to the £20k you can add, but cannot remove and then re-add.

So, if for example, you bought Carnival for £10, you would have 2,000 shares.

If Carnival then went to £200 a share, you would have £400,000 in your ISA, and could withdraw all £400,000 tax free if you wanted, or you could move to a Dividend stock, eg Aviva, and take the 6% a year tax free, i.e. £24,000 from the £400,000 pot... all tax free.

I'm hoping that's what the question was.! and if it wasn't, apologies for making you suck eggs.!

TOPO.

Thanks.

I remembered you were a roofer, don't worry.!

You can always be a Posh Roofer though LOL

"Well hello sir, would one like one slate on top of one another, or would one like a slate overlapped". LOL

The problem with cruising is peoples expectations, and unfortunately, or fortunately, everybody is different.

Some people like "Posh", some people like to be waited on hand and foot, some people don't like kids, some people expect to be able to walk into the shows without waiting.

If they are at that end of the scale, they need to go Silverseas, Seabourne etc. level, 6 star.

Cunard is also posh, that's why TOPO likes it :-) however, probably not as Posh as it used to be.

My first ever cruise was on P&O, On Aurora. In fairness it was 14 years ago, but it was way too posh for me and the boss.

I like nice things, I want service, but I can't stand the hoity toity (or however you spell it) surrounding it.

So when we went on Royal, it was a nice ship, nice food, good service, they did dress ups but you wasn't an outcast if you didn't dress up, and that is why we stuck with them.

Of course now, I can go into any restaurant and do whatever I wish, but I always make it very clear I don't like the poshness.

You probably need to ask them what their expectations were before they went, and guide them.

It would be a shame if they missed out on the cruising life, even if it wasn't with the carnival brand..... Maybe Virgin would suit them.!

You have to watch this.......

Classic Carnival cruise.......

https://x.com/ImMeme0/status/1807109591546614130?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1807458242647486574%7Ctwgr%5Ebc339ae2f0be27296d0bac8ca33d939de1042a93%7Ctwcon%5Es3_&ref_url=https%3A%2F%2Fwww.cruiselawnews.com%2F2024%2F07%2Farticles%2Fpassenger-rights%2Fanother-brawl-breaks-out-on-the-carnival-paradise%2F

Sun.

Let's meet at 4.30pm rather than 4pm in the pub as you suggested. Will only stop to say hello and set up your Wifi.

The shows should be on the App now, they will be The Gift, Spectra's Cabaret in Two70 and the best show at Sea, which is We Will Rock You. I've seen We Will Rock You 38 times now on the ship, awesome show if you like Queen. Same quality as the West End, which we saw twice.

They will also have some form of Welcome Aboard & Farewell shows and probably some Headliner shows as well.

Usually at least one show a night.

See you at 4.30 in the pub.

Sun.

I will be on the ship probably about 11am.

So, choice is yours.

I can meet you during the day at a certain time / place.

I can pop into the casino in the evening at a certain time.

We can meet on day one, so you get the most out of the Wifi, which again I am more than happy to give you....yes for free.!

Or, we can not meet at all, and if I bump into you, then that's fine.

Won't be gambling, as on the cruise with the boss, so will purely go into the Casino on Day two, the sea day, after the tables open, get the free play, put $20 on every number (single zero table) 20x37=740. Put $10 on 29/32 split.

Ball spin, will bag the $700 win and walk away.

Let me know your choice.

Sun.

This will bounce between 1255 and 1275 today.

No volumes as the US is closed.

US Now closed.

so 6c drop, 4.5p ish

Well.

God invented a base ball bat to deal with their knee's then.!

(Sorry Bhants.!)

TOPO.

All of my US stocks are up, in fairness they are all techy stocks and funds, but all are up.

I don't have any other US travel stocks, but although I can appreciate the Biden/US Fed scenarios, the rest of the US Main markets are either at all time highs, or knocking on it's door.

I would agree with you if we had gone from 15 to 14, but not even getting to where we were a year ago, and then dropping.

The Economy is better than a year ago, Inflation is better, CCL's revenue is better, Profits are better, debt is lower, so eevry usual indicator is better.

The only negative is the US elections now only 4 months away.

Well, I guess we will have to wait until Friday to see if there's going to be a reversal in some way. US Closed tomorrow to commiserate when the English said we'd have enough of the Yanks and left them.

It's caught me off-guard this time.

Seriously very surprised.

Did not see the £1 drop coming, or even slightly coming.

So this means one of two things......

1. This is being set-up, like last year for a massive re-bound with all cruise stocks following suit.

2. This is destined to be £11-£13.50 until 2025/2026.

Either way, it's very frustrating I must say.

Tuesday......

After hours, it's currently at $16.19

14c drop, 11p drop.....................

And Ken.

My Apologies, You asked about Beryl and not generic Hurricanes.

I honestly hadn't seen Beryl, so to answer that specific question.!......

Yes, it may well have an impact, and you are right generically as well, it does add another level of concern, but, June/July/August are the biggest cruise months for money, so hopefully we won't get too much disruption, so CCL can report way above analyst profits in Q3.

OJ.

I'm really sorry, but I won't be able to.

We have a hectic day on 19th and need to get off and get back very quickly.

Will be walking off probably 6.30am.

When you get off on 2nd August, and I get back on, I will be down there for 10/10.30am if you are going to be around then somewhere.

Betterlife.

Depending on your share charge per transaction, the next time, it might be better to do 5 x 1,000 trades rather than 1 x 5,000 trade.

I usually get ridiculously low pricing on anything over 5,000 shares, but as soon as I drop below, the price goes up.

Something for the future to consider, not just for CCL, but for any share with volume.