Member Info for danielh

Sorry rob, but you do seem to contradict yourself. As you have often reminded me the vod sp has fallen from over £2 many years ago. Mainly because they were paying an unaffordable divi which they had to cut twice. Of course they can take back the divi ! , it comes out of the share price. It is all about getting the balance right & paying an affordable dividend. I think vod may now have got the balance just right. Don't fall into the high divi trap, it always comes out of the share price. I think you are just trying to justify your bad call selling vod at 85p ish. Sorry, but!! A high divi always comes at a price. Good luck Amigo.

I will go 1.10 please roofer. Great day today & week.

Well done Dmmns. I was cheering you on from my 107 prediction.

O.K. fleccy. I am just surprised that you did not move most of your shares into I.S.A.s many years ago when the divi tax came in. I seem to remember you going on about how good I.S.A.s were at the time. I think the crazy change in cap gains tax from £12.500 to £3000 & divi tax from zero to about 8% was not expected. But I was lucky & moved 90% of my holding to I.S.A. s. over time (£40,000 a year including topping up)as soon as the divi tax came in. I don't pay any tax, & don't need to buy & sell shares at a cost to avoid it.

Gwm121. Any chance of you talking in plain English? You need shooting down.

Fleccy. Who is AI? If you own shares that don't pay a divi, they keep their profits & compound them for you. The only advantage of a high yield divi is it gives you an income without selling shares. If you re invest it, then that becomes pointless. Don't be taken in by AI nonsense. I buy vod shares because I think they are are undervalued, nothing to do with compounding. You sold a load of vod shares recently (not taking your own advice that you only lose when you sell & doing the opposite of compounding). Forget your offsetting tax, you should have it all in I.S.A. s by now. When you sell you are doing the opposite of compounding. Sorry mate but you don't seem to get basis maths & interest compounding. Forget your charts & AI, just go back to basic maths, not math but maths!

Fair enough fleccy. It can be a bit of a hassle, but I have transferred both my I.S.I.s now . Surely though fleccy if you invest in a company that does not pay a divi, it is the same as if you are re investing the divi, but without the costs involved, so I don't get buying divi stocks just so you can re invest the divi, as the sp will fall by the divi amount on ex divi day. This compounding thing is just a smoke screen. It is just the same as re investing % on a bank account. Compounding has been there ever since maths was invented,, so nothing new , it is just like winning on the horses & sticking your winnings back on the next race. Compounding is the opposite of doing a stop loss. Good luck fleccy.

Fleccy. Did you realise Scott Widows / I web who charge zero holding fees on I.S.A.s & a £5 dealing charge is owned by Lloyds /Halifax? Maybe you can't transfer from Halifax to Halifax, that would be bad for there profit margin & we can't that, can we? Just a thought.

Wisebear. I just hope for your sake you are in profit, not chasing losses. Spread betting is very risky if you hold a position for a long time. You have to be making £150 a day just break even. Hope you can sleep at night.

Thanks rob, great to hear from you. So how is L & G doing . (Losers & Gamblers ) Your big tip? not as good as vod. So you Know me, not one to brag about how much money I am making from my vod shares lately but, sorry just having a sip of my Dom Perignon. Hick! Still a way to go on vod though to break even. 1.20 will do it I think. All I need now is for Alcaraz to win the Ausie Open tennis, that will make my day. Good luck for all vod shareholders for the big day 5th feb..... I believe in VOD, do you?

Sorry to keep banging on about this, but why would anybody but a complete idiot pay £140 per year to hold £40.000 of shares in an I.S.A. with H.L. when they can do the same with scott widows for nothing. Scott widows dealing charge £5 per deal. I.I. even worse. What are we saying here? scott wid own by Lloyds Bank is dodgy! But H.L. are better? Come on? Am I missing something here? It is all about costs at the end of the day. You all think you can beat the market, but all the average punter can do is to try & beat the odds, that means % profit. 10 to 15 % a year is good, but if you trade in & out & pay over the top fees, you have very little chance.

O.K. skier1. So what are these £50 of free shares you get then? It does not say? I moved to H.L. years ago & got £250 free., but now H.L. are rubbish. You can change your bank account any time an get more than that. Were you born yesterday by any chance? I don't think Warren Buffet would be interested somehow! I moved to I.G many years ago & they wacked their charges up so I moved on. Good luck though, you have a lot to learn. You could be a askier2 Or 3 I am still about 1& half...

Robleo. Give us us a break. H.L. have increased their holding charges to £150 unless you hold less than about £50k worth. & why do you need interest on cash in your account? just withdraw it! DUMP H.L. DUMP I.I. not rocket science. I have never known a forum as crazy as this.

Hi robleo. You clearly don't look into costs when investing. You could not run a company that way. Always take into account your costs when investing on the stock market. Dump H.L. & forget I.I. They say spread your risk, but most money is lost that way. It is safer that way, but safety costs money. That is why insurance co's makes so much. The easy way to lose money on the stock is to keep changing your mind buying & selling all the time with stamp duty & dealing costs unless you can see into the future. Are you out of vod now, not rubbing in in? But the word sucker comes to mind? Sold at 80 to 88p ouch. Only joking of course my life long Amigo I hope. L&G O.K. but not as good as vod unless you are just a divi chaser.

Fleccy. £72 is £72. in anybody's money. Why pay £72 when you can pay nothing.

Hello fleccy. Thanks for that, it is the core plus plan, but I could always go for the premium plan for a bargain price of £479.88p per year. I can get all that for nothing + £5 per deal. This it not rocket science, just stop being ripped off. The £100,000 limit a year is a joke. O.K. so I.I. & har/ lans make your broker halifax look cheap, but you are still being over charged. Why not go for a cheaper broker. Forget what we paid in the old days (joiring the war). (ref roofer). In the old days though you could make a lot of money buying privatisation shares, & getting free shares from building societies. But that is history. Time to live in the now world, & get the best deal going.

I have just received an Email from interactive investor saying they are putting me on their core plan which will cost 14.99 /month so that's £180 a year. They are comedians. Core Blimey, what a rip off. I cant wait to move to scott wids. Vod looking good today, the centrica deal sounds good. £1.10+ by the 5th feb . Fill your boots. I spoke to scott wids recently & was assured they will not be putting their prices up.

Revshep. I am moving from interactive investor to scott widows because I.I. are expensive. It will save me about £100 to £150 per year. I used to be with jarvis which was on this site, london south east , but they transferred me to I.I. as jarvis stopped trading. The only problem with scott Wid. is they don't do joint accounts. But that's not a big problem for me.

Sorry fleccy, I got that wrong. H.L. charges are a rip off though. Scott' widows is free, so you can't beat that. I think they are owned by Lloyds Bank.

Marsal777. I used to be with H.L. but left a long time ago. They still send me e mails though & had the cheek to say their charges are being reduced. The max you pay however has been increased from £45 a year to £150 a year. What a rip off. I have 2 I.S.A.s so would pay £300 a year. I think fleccy is with H.L. so time for him to move on as well I think.