Member Info for hardup

Carltt
If the cap fits..............

Gazzleberry
List the teams that Scotland have beaten n the last 5 world cup finals.

What do England fans and Lloyds investors have in common?
Both still waiting for jam tomorrow!

Gazzleberry
And how did Scotland fare in the world cup in Qatar? Oh, sorry, I forgot, they did not qualify did they.

Brixton
Ronaldo is walking of the pitch with a face like a skelped ar - se! I fecking loves it!

Brixton
You watching the footie? Hope Morocco pull this off, 14 minutes to go!

With the end of the year in sight, it is time to turn our eyes to a potentially wonderful time of the year to
trade. The folklore traditional end of year gains now commonly known as the ‘Santa Rally’ could bring a
rewarding end to an uncertain year for canny investors.

While not 100% consistent that it will occur each year, the historical statistics do look appealing, with
changes in market conditions often pointing to a rally as the calendar year ends. In fact, it has often been
argued that collectively investors create a self-fulfilling prophecy.

In this report we look at some of the facts and figures of how the FTSE 100 performs in December and
make some suggestions on stocks to put on your watch list.

https://ukinvestormagazine.co.uk/wp-content/uploads/2022/12/Santa-Rally-2022.docx.pdf

"Us down south give you a whole hours extra sunlight every day , that ain't fair."
And a whole 2 extra hours of darkness every day in winter........that ain't fair either, thanks! lol

Didn't quite make your 46.5p prediction SUFC! Going the right way though.

From the proactiveinvestors article.....
"and reforming rules around short selling – where investors bet that the price of an asset will drop."
I'm all for that! Ban short selling altogether!

Yes got the footie on. Croatia giving Brazil a run for their money! England played their best game against Senegal without Raheem Stirling so he should be dropped. Kyle Walker has to dominate Mbappe and keep him out of the game, if he can do that England can win. No doubt England will have us biting our nails to the final whistle! If we can beat France we play Portugal next and they looked good against Switzerland so that will be a hard game although Ronaldo is a has been and past his best. Lets see what happens tomorrow.

Not often you get a week or two of snow in the winter in the Northern Isles let alone snowed in for 9 months. Plenty rain though!

Well said c o-ckney wanchor

I transferred my small (£4,800) Carey UK pension to my HL SIPP last year. It took 4 months for the transfer to be completed and the funds transferred to my HL SIPP account. The delays were all down to Carey UK who I constantly had to chase up to progress the transfer.

seany
Not much there we did not already know, going over the Q3 figures. Confirming that the priority is maintaining the progressive dividend, and distributions of excess cash thereafter in the form of buybacks and/or special dividends..........but we have to see what the BOD decide in this respect at Full Year results in February.

"Agreed, but the general thrust of both articles is that the headcount in financial services will be reduced which is no bad thing."
Irrespective of any Global slowdown, cost cutting by LBG will have by the end of January 2023 closed 202 high street branch's.......133 Lloyds Bank branches, 50 Halifax Branches, and 19 Bank of Scotland branches which itself will result in a large number of redundancies.

Quote from cityam link that Gazzleberry posted:
"Most of the UK’s lenders ditched their investment banking operations after the financial crisis, meaning they are less exposed to financial market slumps compared to their cross-Atlantic peers."

seany123
Yes, I was.

Share Incentive Plan and Group Share Save Scheme. This seems to be a contentious subject for many, but it is a way many company's retain their staff. It would be beneficial for some to go to the following links where you will find information regarding these schemes to maybe give you a better understanding of how they are run and the benefits to employee's.
For Lloyds Share Incentive Plan
https://www.gov.uk/tax-employee-share-schemes/share-incentive-plans-sips

For Lloyds Employee Group Share Save scheme (SAYE)
https://www.gov.uk/tax-employee-share-schemes/save-as-you-earn-saye

Bank of Canada raised rates by another 50 basis points today to 4.25%. Same next week for FED and BoE?