Share Dealing Discussion Area

sabretoothtigger

I wouldnt phrase it like that. Shares dont move rationally thats where it becomes possible to profit, sometimes easily though its always at risk

I can buy the dividend is an obvious mistake so I dont disagree but to say it can never work, there I do. People can be so wrong that they even allow a 'free dividend'
I know of course its not really free any more then a red car is really faster, perceptions can become so off kilter about a company, a sector, market, commodity, country or whatever dynamic; that incorrect pricing can mean the ex div movements is of no consequence, markets have ignored this.

if there were money to be made, we would all be doing it!

and yet people dont do it. I thought that for years
They chase failing badly adjusted and over priced stocks, house, bonds, whatever fad trends that year where the company cant even pay the dividend.
There are certainly times the opposite of free was there, a company that fails to make enough to pay out when people expected it to. That price can half even when it was just a 5% div


This whole dynamic goes to the top. Alan Greenspan and 'market theory' Suffice to say, market is wrong often especially when government is 50% of GDP they hang off politics not business.
Bailouts destroy business, its all amazingly ironic hence a div can be free for sure from what Ive seen which is the opposite of how it should be in theory

http://www.youtube.com/watch?v=1bX_vhojH8c
http://www.youtube.com/watch?feature=endscreen&NR=1&v=eEKhxdeadk0

bowlhead99

Biggles wrote: »

The fact is, the company is now worth that much less (10p a share) to any potential new buyer, which is why the 'buy just before xd' strategy can never work. Don't worry, lots of people have thought of this before and, if there were money to be made, we would all be doing it!

As an academic exercise - if you buy high and sell low to take a dividend instead, this leaves you with the same amount of assets (ignoring dealing charges and price spread) but it creates profits and losses which though equal in pounds are not equal in nature and therefore not necessarily equal in value.

For example people generally have a preference for capital gains rather than income because the tax on gains are lower and sometimes zero if you are under the annual exemption. So I and others might well sell a share right before it paid out if I expected the price to fall by the dividend amount. Maximising gains and minimising income. The selling pressure in the market might be expected to be a bit greater leading up to ex-div date versus immediately afterwards, and that could have some sort of effect on prices. But as mentioned by others there are all sorts of things affecting prices all the time and I don't have any specific evidence to back up my suggestion.

Going back to my point on the two equal cashflows having unequal values. If I buy £100k of shares at 100p, receive a dividend of 10p per share (£10k) and then sell the shares at 90p for £90k because the company has less cash. I am cash neutral except for a tenner of broker costs and £500 of stamp duty if it's a UK company (perhaps nil if it's incorporated overseas)

I pay tax on the £10k income which might not be very much, there's nil to pay if I am not a high rate taxpayer. I tell HMRC I made a capital loss of £10k which is carried forward to future tax years.

Two years later I sell an investment property or some shares making capital gains of £50k. I am a high rate taxpayer that year and the gains are over my annual exemption so the government wants its cut. The rate on gains is fortunately lower than the rate on income but it's quite a chunk to pay. However, I have 10k of brought forward losses which are allowed to be offset against the gain. The savings of CGT for me in that year are higher than the income tax paid a couple of years earlier. Voila.

2poor4this

sad_gills_fan wrote: »

Firstly, apologies for not being clear about any part of this question, I'm struggling to understand it myself!

So, I pay in to a company share scheme. It matures in 2014, when I will have paid in £14k. I know that I can then buy shares at an option of 61p which would give me 23090 shares.

My question is .. how do I get the maximum cash in the shortest period of time please?

1. Could I put all 23090 shares in a Shares ISA on the day of maturity, then remove them the following week and sell them at that days rates? Would it be tax free then as they'd been in an ISA?

2. If I have to do it bit by bit because of Capital Gains Tax, let's say they are worth £50k ... can I only take out my personal allowance of £10k, or can I also have the £14k I put in, thus giving me a first payment of £24k? I presume I could then take out another personal allowance of £10k the following April etc.

3. As I'm not married (engaged and co-habiting for 11 yrs), can I gift any shares to my partner, allowing us to get 2 lots of personal allowance?

Thank you in advance for any advice you can give ... obviously I do not want to break any laws, but, if there are legal loopholes that I could take advantage of, that's fine!:D
I wasn't sure where to ask these questions as it's share dealing, but also tax and savings!

Look forward to hearing your advice!

Sad_Gills_Fan:beer:

I'd be interested in any reples to this as I've a sharesave maturing in a few years, although I'm not sure if I want to sell them straight away. Is it easy to have the shares put straight into an ISA on the maturity of the sharesave? I already have some shares I'd like to transfer to an ISA, I've read about bed and Isa but I'm not sure of the capital gains tax implications, I'm thinking of selling £10200 worth a year at the best price and putting the money into the S&S ISA and then buying them back when they're cheaper, they tend to fluctuate over the year so this is easily done with some patience, is there a better way?

Biggles

bowlhead99 wrote: »

I pay tax on the £10k income which might not be very much, there's nil to pay if I am not a high rate taxpayer. I tell HMRC I made a capital loss of £10k which is carried forward to future tax years.

Clearly, there could be certain circumstances where building up a paper loss would benefit you a few years down the line. Though there would, generally, be a not insignificant actual loss each time to take into account (dealing, spread and stamp duty).

But, for the purposes of the original question, which was its use as a trading strategy, it's never going to be a winner over the long haul.

sabretoothtigger

Trading shares is not supposed to be easy, blasphemy. If you honestly know they are going down then selling makes sense.

so this is easily done

This is akin to cursing yourself though

Monday February 11 

INTERIMS 
Avation 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Harmonised Competitiveness Indicators (EU) (09:00) 

SPECIAL DIVIDEND PAYMENT DATE 
Rexam 

EGMS 
Ruukki Group (DI) 

AGMS 
African Potash Ltd, GCP Infrastructure Investments Ltd, RWS Holdings 

FINAL DIVIDEND PAYMENT DATE 
Dunedin Smaller Companies Inv Trust, ITE Group, Paragon Group Of Companies 

Tuesday February 12 

INTERIMS 
Albemarle & Bond Holdings, Avanti Communications Group, Sabien Technology Group, Sinclair Is Pharma, Dunelm, Kennedy Ventures 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Treasury Budget Statement (US) (19:00) 
Atlanta Fed President Dennis Lockhart speaks in Madrid (18:30) 
ECB President Mario Draghi speaks in Madrid (13:30) 

Q4 
Norsk Hydro ASA 

GMS 
Ferrex 

FINALS 
Barclays, Dragon Oil, Heavitree Brewery, Lo-Q, Norsk Hydro ASA, Telekomunikacja Polska S.A GDR (Reg S) 

IMSS 
United Drug, Volex 

AGMS 
CareTech Holding, Pressure Technologies 

UK ECONOMIC ANNOUNCEMENTS 
Consumer Price Index  (09:30) 
Producer Price Index  (09:30) 
Retail Price Index (09:30) 
RICS House price balance (00:01) 

FINAL DIVIDEND PAYMENT DATE 
Unicorn AIM VCT 

Wednesday February 13 

INTERIMS 
Town Centre Securities 

INTERIM EX-DIVIDEND DATE 
Murgitroyd Group, Stavert Zigomala 

QUARTERLY EX-DIVIDEND DATE 
Boeing Co, BP, Lilly (Eli) & Co, MedicX Fund Ltd., Picton Property Income Ltd, Royal Dutch Shell 'A', Royal Dutch Shell 'B' 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Business Inventories (US) (13:30) 
Import and Export Price Indexes (US) (13:30) 
Manufacturing Inventories (US) (15:00) 
Retail Sales (US) (13:45) 
Retail Sales Inventories (US) (15:15) 

FINALS 
Anglo Pacific Group, Sampo OYJ, Telecity Group, Tullow Oil 

SPECIAL EX-DIVIDEND PAYMENT DATE 
Photo-Me International 

AGMS 
F&C Capital & Income Inv Trust, Impax Asset Management Group, Income & Growth VCT 

TRADING ANNOUNCEMENTS 
Alpha Real Trust Ltd. 

UK ECONOMIC ANNOUNCEMENTS 
BoE Inflation Report (09:30) 

FINAL EX-DIVIDEND DATE 
Avon Rubber, Blackrock Income And Growth Investment Trust, Pressure Technologies, Sage Group, Sinclair (William) Holdings 

Thursday February 14 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
ECB Report (EU) (09:00) 
Gross Domestic Product (GER) (07:00) 

FINALS 
Amec, Coca-Cola HBC S.A., Electric Word, Hrvatske Telekom D.D GDR (Reg S), Morgan Crucible Co, Rio Tinto, Rolls-Royce Holdings, Shire Plc 

ANNUAL REPORT 
Henderson Diversified Income Ltd. 

IMSS 
Halma, Helical Bar, Norcros 

AGMS 
Bajaj Hindusthan Ltd. GDR (Reg S), Noble Investments (UK) 

FINAL DIVIDEND PAYMENT DATE 
BlackRock New Energy Inv Trust, Euromoney Institutional Investor 

Friday February 15 

INTERIM DIVIDEND PAYMENT DATE 
Anite, Consort Medical, QinetiQ Group, Volex 

QUARTERLY PAYMENT DATE 
Abbott Laboratories, British Land Co, Marsh & Mclennan Cos Inc. 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Capacity Utilisation (US) (16:15) 
Industrial Production (US) (16:15) 
U. of Michigan Confidence (US) (15:00) 
Wholesale Price Index (GER) (07:00) 

GMS 
Consort Medical 

FINALS 
Anglo American 

SPECIAL DIVIDEND PAYMENT DATE 
Carpathian 

EGMS 
Assura Group Ltd. 

UK ECONOMIC ANNOUNCEMENTS 
Claimant Count Rate (09:30) 
Internet Retail Sales (09:30) 
Retail Sales (09:30) 
Unemployment Rate (09:30) 

FINAL DIVIDEND PAYMENT DATE 
CareTech Holding, Downing Income Vct, Downing Income Vct 4, Shaftesbury

2poor4this

sabretoothtigger wrote: »

Trading shares is not supposed to be easy, blasphemy. If you honestly know they are going down then selling makes sense.

This is akin to cursing yourself though

Yes, you are right, should never say things like that Over the last few years they have fluctuated between £14 and £18 a share over the year (all of which are more than I paid for them), I could see them taking a dive as soon as I set something up tho. The thing is I have about £40k worth at current market value and wanted to get them into an ISA so if I decided to sell the lot I could without Capital Gains issues, the dividend generally isn't bad which is why I've kept them.

sabretoothtigger

Monday February 18 

INTERIMS 
Sareum Holdings 

QUARTERLY EX-DIVIDEND DATE 
Schlumberger Ltd. 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Balance of Payments (EU) (09:00) 
Current Account (EU) (09:00) 

FINALS 
All Leisure Group, BATM Advanced Communications Ltd. 

EGMS 
Plaza Centers NV, Zhejiang Southeast Electric Power Co Ltd. GDR (Reg S) 

AGMS 
Renovo Group 

FINAL DIVIDEND PAYMENT DATE 
Imperial Tobacco Group 

Tuesday February 19 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
New Car Registrations (EU) (10:00) 
ZEW Survey (EU) (10:00) 
ZEW Survey (GER) (10:00) 

Q4 
Bank of Georgia Holdings 

GMS 
Fortune Oil, Weatherly International 

FINALS 
AZ Electronic Materials SA (DI), Bank of Georgia Holdings, Brammer, Drax Group 

EGMS 
Phoenix Group Holdings (DI) 

AGMS 
Foresight 2 VCT, Foresight 2 VCT 'C' Shares, Foresight 2 VCT Infrastructure Shares, Foresight 2 VCT Planned Exit Shares, Sunrise Resources , Tertiary Minerals, Titon Holdings 

Wednesday February 20 

INTERIMS 
A&J Mucklow Group, BHP Billiton, Centaur Media, Galliford Try, Netcall 

INTERIM EX-DIVIDEND DATE 
Mid Wynd International Inv Trust, Mountview Estate, PZ Cussons, Rank Group 

QUARTERLY EX-DIVIDEND DATE 
Barclays, Blackrock North American Income Trust , Carnival, GlaxoSmithKline, M Winkworth 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Building Permits (US) (13:30) 
Consumer Confidence Indicator (EU) (10:00) 
Consumer Price Index (GER) (07:00) 
FOMC Interest Rate Minutes (US) (19:00) 
Housing Starts (US) (13:30) 
MBA Mortgage Applications (US) (12:00) 
Producer Price Index (GER) (07:00) 
Producer Price Index (US) (13:30) 

FINALS 
Pinnacle Technology Group, Rathbone Brothers, Rexam, RSA Insurance Group, Spectris, STV Group, Travis Perkins 

AGMS 
MedicX Fund Ltd. 

UK ECONOMIC ANNOUNCEMENTS 
BoE Interest Rate Minutes (09:30) 
Claimant Count Rate (09:30) 
Unemployment Rate (09:30) 

FINAL DIVIDEND PAYMENT DATE 
Impax Asset Management Group 

FINAL EX-DIVIDEND DATE 
Brunner Inv Trust, Catlin Group Ltd., Henderson Opportunities Trust, Independent Inv Trust, Jersey Electricity 'A' Shares, Reckitt Benckiser Group, Throgmorton Trust 

Thursday February 21 

INTERIMS 
Ashmore Group, Go-Ahead Group 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Consumer Price Index (US) (13:30) 
Crude Oil Inventories (US) (15:30) 
Existing Home Sales (US) (15:00) 
Leading Indicators (US) (15:00) 
Philadelphia Fed Index (US) (15:00) 

Q4 
CSR, Lancashire Holdings 

GMS 
Bumi, Jelf Group 

FINALS 
BAE Systems, CSR, Filtrona PLC, Informa, Ladbrokes, Lancashire Holdings, New World Resources A Shares, Premier Foods, RM 

ANNUAL REPORT 
Independent Inv Trust 

IMSS 
Sports Direct International 

SPECIAL DIVIDEND PAYMENT DATE 
Dewhurst, Dewhurst (Non-Voting) 

AGMS 
easyJet, Jelf Group, Optos 

TRADING ANNOUNCEMENTS 
Kingfisher 

UK ECONOMIC ANNOUNCEMENTS 
CBI Industrial Trends Surveys (11:00) 
Public Sector Finances (09:30) 

FINAL DIVIDEND PAYMENT DATE 
Dewhurst, Dewhurst (Non-Voting) 

Friday February 22 

INTERIM DIVIDEND PAYMENT DATE 
ACM Shipping Group, Fletcher King, NCC Group, Tricorn Group 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
IFO Business Climate (GER) (09:00) 
IFO Current Assessment (GER) (09:00) 
IFO Expectations (GER) (09:00) 

Q4 
Millennium & Copthorne Hotels 

GMS 
Beale 

FINALS 
Millennium & Copthorne Hotels 

EGMS 
Cambium Global Timberland Ltd. 

AGMS 
Armour Group, Brewin Dolphin Holdings, Urals Energy Public Co Ltd. (DI) 

FINAL DIVIDEND PAYMENT DATE 
Avation, RWS Holdings, Titon Holdings, Victrex

sabretoothtigger

Lynne98741

Hi

I'm looking to sell 2 groups of shares and I'm looking for the cheapest way to do this. I've looked into Brokerline with the Natwest, and while it's relatively cheap at £15 per trade, the sting is closing the account can run to £90.

Any tips on the cheapest way to execute 2 trades and not get roped into account admin fees?

Thanks

Lynne

sabretoothtigger

How do you know you have shares to sell, you may be on the leash already XO is cheaper

Monday February 25 

INTERIMS 
Avingtrans, Petra Diamonds Ltd.(DI), Thorntons 

INTERIM DIVIDEND PAYMENT DATE 
Puma High Income VCT , Puma Vct 8, Puma Vct VII 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Italian general and regional elections, voting ends at 14:00 GMT 
HSBC China manufacturing PMI (01:45) 

FINALS 
Bovis Homes Group, Dialight, Domino's Pizza Group, Hiscox Ltd., Microgen, Pearson, Persimmon, Senior, Staffline Group, XP Power Ltd. (DI) 

EGMS 
Signet Global Fixed Income Strategies Ltd. 

AGMS 
ASOS, Treatt, Vatukoula Gold Mines 

TRADING ANNOUNCEMENTS 
Associated British Foods 

UK ECONOMIC ANNOUNCEMENTS 
BBA Mortgage Lending Figures (09:30) 

FINAL DIVIDEND PAYMENT DATE 
Compass Group, United Drug 

Tuesday February 26 

INTERIMS 
Asian Citrus Holding, Craneware, Dechra Pharmaceuticals, DotDigital Group, Redrow, Robert Walters, Wilmington Group 

INTERIM DIVIDEND PAYMENT DATE 
IG Group Holdings 

QUARTERLY EX-DIVIDEND DATE 
Canadian General Investments Ltd. 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
US Federal Reserve President Ben Bernanke speaks before US Senate (15:00) 
Consumer Confidence (US) (15:00) 
House Price Index (US) (15:00) 
New Homes Sales (US) (15:00) 

GMS 
Sirius Petroleum 

FINALS 
CRH, Devro, GKN, Goals Soccer Centres, Provident Financial 

SPECIAL DIVIDEND PAYMENT DATE 
Rensburg AIM VCT 

AGMS 
Andor Technology, Bankers Inv Trust, The Commercial Bank of Qatar (Q.S.C) GDR (Reg S), XCAP Securities 

TRADING ANNOUNCEMENTS 
Mail.ru Group Ltd GDR (Reg S), Whitbread 

UK ECONOMIC ANNOUNCEMENTS 
CBI Distributive Trends Surveys (11:00) 
Speech from BoE´s Paul Fisher at University of Bristol Alumni, London (18:30). 
Speech from Mervyn King to Japanese Bankers Association, Tokyo (06:00 GMT). No text to be released. 

Wednesday February 27 

INTERIMS 
Barratt Developments, Clinigen Group 

INTERIM EX-DIVIDEND DATE 
Carclo, Casdon plc, Diageo, Downing Absolute Income VCT 2, Downing Distribution VCT 1, Downing Income VCT 3, Downing Income VCT 3 E Shs, Heath (Samuel) & Sons, Standard Life Equity Income Trust 

QUARTERLY PAYMENT DATE 
Merchants Trust 

QUARTERLY EX-DIVIDEND DATE 
Canaccord Financial Inc., Energy XXI (Bermuda) (Di) 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Business Climate Indicator (EU) (10:00) 
Crude Oil Inventories (US) (15:30) 
Durable Goods Orders (US) (13:30) 
Economic Sentiment Indicator (EU) (10:00) 
GFK Consumer Confidence (GER) (07:00) 
M3 Money Supply (EU) (09:00) 
MBA Mortgage Applications (US) (12:00) 
Pending Homes Sales (US) (15:00) 
Retail Sales (GER) (07:00) 

GMS 
Surface Transforms 

FINALS 
Carillion, Centrica, Henderson Group, Interserve, Intu Properties, ITV, Molins, New Britain Palm Oil Ltd. (DI), Oxford Biomedica, Petrofac Ltd., Promethean World, SEGRO, Synectics, Weir Group 

SPECIAL EX-DIVIDEND PAYMENT DATE 
Beazley 

EGMS 
Open Joint Stock Company Nomos Bank GDR (REG S) 

AGMS 
Gooch & Housego, Image Scan Holdings, LXB Retail Properties, Manroy 

UK ECONOMIC ANNOUNCEMENTS 
GDP (quarterly national accounts) (09:30) 
Index of Services (09:30) 
Charlie Bean´s IEA State of the Economy Conference 2013, London (09:20). 

FINAL EX-DIVIDEND DATE 
Baronsmead VCT 3, Baronsmead VCT 5, easyJet, Hazel Renewable Energy VCT 1, Hazel Renewable Energy VCT 2, LPA Group, Rights & Issues Inv Trust Capital Shares, Rights & Issues Inv Trust Income Shares, Silverdell, Zytronic 

Thursday February 28 

INTERIMS 
Gleeson (M J) Group, Hargreaves Services, Hays, Ricardo 

INTERIM DIVIDEND PAYMENT DATE 
Ingenious Entertainment VCT 1, Ingenious Entertainment VCT 1 'C' Shares, Ingenious Entertainment VCT 1 'D' Shares, Ingenious Entertainment VCT 1 E Shares, Ingenious Entertainment VCT 1 F Shares, Ingenious Entertainment VCT 2, Ingenious Entertainment VCT 2 'C' Shares, Ingenious Entertainment VCT 2 'D' Shares, Ingenious Entertainment VCT 2 E Shares, Ingenious Entertainment VCT 2 F Shares, NB Private Equity Partners Ltd. 

QUARTERLY PAYMENT DATE 
City of London Inv Trust, Picton Property Income Ltd 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Balance of Payments (GER) (07:00) 
Bloomberg Consumer Confidence (US) (13:45) 
Chicago PMI (US) (13:45) 
Consumer Price Index (GER) (07:00) 
Consumer Price Index (EU) (10:00) 
Continuing Claims (US) (13:30) 
GDP (Preliminary) (US) (13:30) 
Harmonised Index of Consumer Prices (EU) (10:00) 
Initial Jobless Claims (US) (13:30) 
International Reserves (EU) (11:00) 
PMI Retail (EU) (09:00) 
PMI Retail (GER) (08:55) 
Unemployment Rate (GER) (08:55) 

Q4 
Bridge Energy Asa, Frontline Ltd., Hellenic Telecom Industries SA ADS, OJSC Megafon GDR (Reg S), Wentworth Resources Ltd (CDI) 

GMS 
GMA Resources 

FINALS 
Bridge Energy Asa, British American Tobacco, Capita, Capital & Counties Properties , Derwent London, Frontline Ltd., Hellenic Telecom Industries SA ADS, Howden Joinery Group, International Consolidated Airlines Group SA (CDI), LSL Property Services, OJSC Megafon GDR (Reg S), Primary Health Properties, Reed Elsevier, Royal Bank of Scotland Group, RPS Group, Spirent Communications, St James's Place, Wentworth Resources Ltd (CDI), Xchanging 

ANNUAL REPORT 
Bank Millennium SA, Coca-Cola HBC S.A. 

EGMS 
Better Capital Pcc Ltd (2009) 

AGMS 
2 ergo Group, Alternative Investment Strategies Ltd. Sterling Hedged Shares, Datong, Driver Group, IDOX, Sinclair (William) Holdings, Terrace Hill Group, Zytronic 

TRADING ANNOUNCEMENTS 
Kazakhmys, Safestore Holdings 

UK ECONOMIC ANNOUNCEMENTS 
GFK Consumer Confidence (00:01) 
PMI Retail (09:30) 

FINAL DIVIDEND PAYMENT DATE 
Andor Technology 

Friday March 01 

INTERIM DIVIDEND PAYMENT DATE 
Latchways, Mattioli Woods 

QUARTERLY PAYMENT DATE 
JPMorgan Claverhouse Inv Trust 

INTERNATIONAL ECONOMIC ANNOUNCEMENTS 
Construction Spending (US) (15:00) 
ISM Manufacturing (US) (15:00) 
Non-Farm Payrolls (US) (13:30) 
Personal Consumption Expenditures (US) (13:30) 
Personal Income (US) (13:30) 
Personal Spending (US) (13:30) 
PMI Manufacturing (EU) (09:00) 
PMI Manufacturing (GER) (08:55) 
U. of Michigan Confidence (US) (15:00) 
Unemployment Rate (EU) (10:00) 

Q2 
London Mining 

GMS 
Baillie Gifford Shin Nippon, Victoria Oil & Gas 

FINALS 
BBA Aviation, Berendsen, Fiberweb, Hammerson, Laird, Lloyds Banking Group, Old Mutual, Rentokil Initial, Rightmove, Taylor Wimpey, William Hill, WPP 

EGMS 
Investors In Global Real Estate Ltd 

AGMS 
CQS Diversified Fund Ltd Ord NPV £, Sage Group 

UK ECONOMIC ANNOUNCEMENTS 
Consumer Credit (09:30) 
M4 Money Supply (09:30) 
M4 Sterling Lending (09:30) 
Mortgage Approvals (09:30) 
PMI Manufacturing (09:30) 

FINAL DIVIDEND PAYMENT DATE 
Gooch & Housego, Noble Investments (UK)