Member Info for Gerry557

4 April 2079, wow thats a while away, 60 years. Its gonna keep that average up. Still who knows where we will be in sixty years and what inflation will be.

Will we still be using phones or some sort of implant by then.

HMG does publish accounts if you want to view and your tax has a pie chart on where the money goes.

I wouldn't use the term "fiddling" more inefficiencies. Remember trying to cancel the aircraft carrier cos UK plc didnt have the dosh. Well it was going to cost more to cancel than build. How wrong can that be!

I also see SSE have been fined for not installing smart meters within timescales. Another waste of money as they cant force people to have them and some dont work when moving to another provider. Yet we are paying twice. Less divi's do to cap ex of the install and higher bills plus the fine on shareholders.

That is quite good on the efficiency stakes by HL although their CS was always quite good. I wasn't expecting any news till next week on mine.

Still you did get capped so doesn't bode well for me. I thought they might set a smaller limit for the cap amounts so smaller holders would get 100% and the bigger holders get capped slightly higher.

I wont fret further as the SP has subsequently risen so any I do manage to get hold of should have risen and my income PF should have a tad extra for the pot come June

Can someone answer this question "will I be eligible for he dividends if I buy this shares today" please?

Yes you will be eligible for future dividends but you have just missed out on the one due for payment on 21st May 19 as it went ex divi today. You havent missed out though as the SP falls by the divi amount today so you will get more shares as the price is lower.

Many buy on ex divi days to get extra shares and a higher yield!

They have hedged the buy back options so will be paying roughly the 130s SP or whatever the rate was at the time.

"Why doesn't the government cap council tax (or stop increasing national insurance contributions) if they really want to help the UK citizen. "

They did, placing caps on how much extra council tax could go up by and has only just recently changed to allow an extra to cover increases for social care. They also capped other things like fuel duty, heaven knows how much per litre it would be now if Gordon Browns accumulator had been allowed to err .... accumulate.

There could be several options to "help the UK citizen" Just give them cash direct. Most workers have had their tax thresholds increased from £6k ish to £12K ish. Unfortunately we have to pay tax if we want services including the ones we deem as not needed. Should none parents pay for schools? or get sick people to pay for their own care etc

Politicians meddle in various things and often get unintended consequences for what seemed like a good idea, Green taxes are an example. True competition should drive down prices as companies get more efficient to attract customers or they would move on. Governments generally are very inefficient with "our" money and when was the last time UK PLC was flush?

So when the investment drys up (several years down the road) and the voters want grandma to be in a nice home and the kids to have good schools money wont be going into building new dams, trains or power stations.

Till then taxes, which are relatively high even for a conservative government, still need to be acquired just to get UK PLC back on an even keel. So the question is more of a matter of what taxes. If like me you probably want someone else to pay rather than adding to your own burden. I don't see many who volunteer where they could pay more.

Remember tax is just taking money from Peter to give to Paul and no one want to be Peter but we all want to be Paul .

quite good results and SP is approaching yearly highs on an ex divi day to boot. With my name, 557 (£k) of goodwill impairments stands out and it was the same amount last year! Whilst its mostly improvements there are a couple of niggles, divi cover is one but appears to be disappearing this year. Property valuations are ok but in a worse case scenario they are likely to be in a fire sale and worth much less. I might feel better if they lowered the LTV target over the medium term too.

Still like the quarterly (rising) divi and hopefully there will be more dips to add more. Was that 89p recent dip Brexit related? Maybe we might get another chance.

There is also room for improvement with occupancy and bad debtors added to rent inflation so the progressive divi should be fine for a bit longer.

No shareholder update available online, maybe they could spend some of the performance fee on a webcam

Hi chrishutch, welcome to the fold and hopefully lots of growing dividends to come.

So the placing was x3 oversubscribed and has been materially scaled back even after increasing the size on offer. Doesnt bold well for my application although being over subscribed was expected. I suppose it now all depends on how the scale back works but I expect to be disappointed. I went for a smaller lot in the hope that a limit will be set to aid smaller holders (as if!) and that it will be the big players that get more scaled back.

Guess we will find out next week

H-Hi

I agree about Openreach but why didnt Voda Customer Service actually say they will contact them and get it sorted instead of all that bull about changing the wifi name which does not affect bandwidth. Do all customers have to suffer like that or am I a one off unlucky individual.

I know from past reports the UK was lagging and that more recently, efforts have been inplace to take on more market share. Hopefully the bots are better than the card readers who dont actually listen to the question your asking but answer a question on their card with the same word that you might have said.

The trouble is I now have to contact them again (more costs) and most likely have the whole shebang to go through again. I feel like I should move on to another provider, they are starting to make talk talk customer service look reasonable. I suppose the vodafone router doesn't help either but they want it connected for diagnosis. Looks like ral fibre is on its way one way or the other. You'd think they would pool more infrastructure to save costs rather than build individually

Might have to go back to satellite, expensive but excellent customer service and the staff knew their stuff

Was the SP knocked because of Brexit news, lots of my shares down yesterday. The PF has been doing well so far in 2019.

the SP doesn't depend on the quality of tech support.

Changing the SSID to "Vodafone speed" is going to double my broadband Speed!

Now I've got to monitor for 24 Hours. It that just a fob off. My broadband is like the SP both are lower than they should be. Expect my broadband to be fixed first but with that advice maybe not

Sorry for whatever I said that caused yesterday's post to be deleted.

Just wish someone would tell me why

Well I have split my options over the two brokers. Broker one, accept the offer to buy but wont have sufficient funds unless I break the law. Broker two Accept the offer with additional shares hopefully to cover the missing from Broker one and some extra that I have cash for.

I could lose out if the offer is scaled back as a percentage but hoping my relatively small amount will be upheld and only larger funders will be scaled back.

I choose not to move my options outside the ISA and ask for even more shares than I would really like. The reason was the possibility of being scaled back and having that cash tied up so close to "Brexit" in addition to having to be Bed n Breakfasted, additional costs and taxes and to make my tax return much simpler with only a few weeks to the end of the tax year and I have been so good this year.

So I will definitely have more shares next month but no idea how many.

Point one :- Accounting standards mainly and it wasn't just the USA although try selling some goodwill.

Point Two :- Well now the audit is done or nearly there should be more ongoing costs except those highlighted. So more profit from 2020

Point three :- Acquisitions and new initiatives, higher premises costs. It will be felt more once the exceptionals drop out like redundancy payouts.

Op profit before acquisition, disposal and integration costs, and exceptional items has moved 5%, £276m (2017: £263m) Again you have to wait for the jam tomorrow and maybe why the SP jumped today in anticipation of the bump to come.

I suppose the cap ex run rate once the transformation is done with more IT and less staff will ultimately decide if this will go back to previous highs

I think SLA will be able to count on that income but not sure what LLOY will do. They could keep some funds with SLA as they are effectively paying for it or might move as planned and pay compensation. I suppose it depends on what LLOY has agreed with any new partners and what wriggle room they have. Worst case for LLOY is paying twice for the same thing. I wonder who would generate the most profit SLA or the new guy. that might decide things.

Still not great having a forced customer on your books. More Golf practice maybe, does António Horta Osório play?

I too hold both so not a real winner from this but dont know if Im a small or big looser

reading all that legal shenanigans but says much about today's society on both sides. I doubt it was the company as a whole trying to screw clients/customers but maybe individuals missing or expecting a bonus might be driven to over step. Where was the oversight and any comeback on the guilty? Dont worry its the shareholders that will pay.

Another annoying thing in the report is Notes but then not being able to jump straight to them or even calling them Notes!

and maybe slightly slower than planned. You have to plat the underlying from the actual. One reads ok whilst the other looks poor. I suppose once you take away the exceptional's and integration out of the mix things should start to look up.

Divi held as expected and maybe scope to change the policy id the plan stays on tract in 2019. Success for me is sight to increasing the divi.

There are concerns, broker costs, asia and possible Brexit effects. It also sounds like the integration costs/ IT is much higher than originally planned but as they are so far down this route that have to suck it up and finish the job regardless.

As for the market it currently looks positive and meeting expectations overall. Jam tomorrow then and divis whilst we wait. Its still off this years high but has some way to go to make up from the big drop last summer.

Not got much "feeling" for tomorrow's update. Im hoping there will be some steady progress but nothing much on the grape vine. I suppose that might be good news in the fact nothing is being "leaked" although sometime Im feel thinks are leaked in advance to moderate expectations.

Well we will hear from the horse's mouth tomorrow and might get more detail on the Moodys comments/downgrade lets see if the metrics measure up

Medway_Man, I agree that there is likely to too many buyers as generally many like there will be oversubscribed. Ive considered a tactical sell of something hoping to buy back within the new isa season but that has risks and costs.

It is a pity we dont know how the scaling back works as that might influence the way I handle the situation. Is it a percentage or will smaller amounts get priority etc

I would normally ask for more than I require to top up just in case I was scaled back but limited currently with isa dates. I will be able to buy my allocation with one broker and get a few more added to the wish list that might make up for the ones stuck with a different broker that I have the issue with.

I though about selling the lot with that broker and applying for the same amount back but might end up with just my smaller allocation and a lump of cash at some later date and being blind to my actual holdings until the allocations are issued later. A bird in the hand and all that.

The other option is to bed and isa later having moved the allocation outside the isa but then I have to contend with any tax issues. Still I can then apply for as many as I want.

Maybe after "sell in may" or Brexit bad news day they might get even cheaper than the offer

"and will end no later than 20 May 2019 (the 'Designated Period')."

Well it looks like I have the option of transferring the rights outside the isa to buy more or having to sell something in the isa to create the space/capital.

Not an ideal situation Oh why not at the start of the ISA year? it looks like a case of given with one hand and snatched away with the other.