Share tips thread
Discussion
twinturboz said:
Tesco still has the largest market share compared to the other supermarkets and also the biggest margins which gives it a great position in terms of pricing power. They haven't as yet decided to go after Lidl or Aldi but if they decided they wanted to go after that market would you bet against a company the size of Tesco winning that war?
Just to point out: Tescos margin in the UK is c.1.5% while Sainsbury and Morrison are c.3.0%.The reason Tesco Group looks similar at c.3% is their international business.
It is simply wrong to say they have the "biggest margins" in the UK.
When you say "haven't decided to go after Lidl and Aldi" I am not sure what you mean?
What exactly could they do?
Drop prices? Ha! That's really worked out well for the stock this year...
Build stores near theirs? Good luck with the 10 year lead time on that.
Tesco (+the other Big 3) are all already horrendously OVERSPACED.
Oh and don't forget that both Aldi and Lidl are privately owned and have ZERO concern about their margins for now - they just want to grow share - hence the doubling of stores they have both committed to - at ANY cost.
You may well be right on the direction of the stock short term - sentiment is crushed.
But this is a Super-VLCC that will take years to turn around IMHO.
twinturboz said:
iPhone 6 is going to be a massive hit, add to that that they've actually increased the ASP, in effect have increased their margins on iPhones.
IPads and MacBooks next month, Watch in Jan, they're on a roll, Apple Pay in it's self could be massive, if you take a look at the actual tech behind it, combined with touch id it could have implications that go far past just a payment service.
Not picking on you - honest!IPads and MacBooks next month, Watch in Jan, they're on a roll, Apple Pay in it's self could be massive, if you take a look at the actual tech behind it, combined with touch id it could have implications that go far past just a payment service.
I haven't seen the numbers but don't conclude that just because the ASP is up the margin % or even absolute margin will be up. Component costs (BOM) is up too!
It is LIKELY their GM will be similar so the absolute margin per phone will be up - but again I haven't seen the numbers so be careful.
Totally agree on ApplePay. That will be HUGE within a year. They will destroy the card industry (not MC or V but the people who actually make cards, IMHO). Who wants 5 credit cards when you can just wave your phone!?
walm said:
Totally agree on ApplePay. That will be HUGE within a year. They will destroy the card industry (not MC or V but the people who actually make cards, IMHO). Who wants 5 credit cards when you can just wave your phone!?
Will they have a max limit you can spend like the contactless? It's all great until you lose your phone / get robbed and someone runs around buying high end items at your expense and the only protection you have is a phone lock. Admittedly I haven't read into all of the security surrounding it, but a concern of mine would be security and not wanting to be vulnerable should my phone go AWOL.When I was blabbing on about the touch Id and the mechanics behind the tech having implications beyond payment what I meant is use in business enterprise.
Bear with me here because this could get longwinded.
Without going into the technical details about how Apple pay works you can more or less say the system is as secure as chip and pin.
But the innovation comes in the fact that Apple creates a secure connection from your device to your bank. The banks get to control all the identification and verification that up to now they rely on the retailer to do. Once the bank is happy you are who you say you are they put an electronic token into the secure enclave part of your device.
The important thing is that that token can't be seen, or modified. You can delete it but you can't share it, so in effect nobody can get your card number. The only way to use the token is with your fingerprint via physical access to the device. To some extent this eliminates credit card fraud, your card details can't be gathered by someone or skimmed off, even if the end user tried hard the only real way someone could use your credit card was if their fingerprint was authorised on your device.
That's just Apple pay but if you look beyond mobile payments then what Apple has done is more or less create an identity system around the touch id and the custom chip that Apple can open up to whoever it wants to. Ie instead of the bank putting a token there your employer could.
Apple can charge businesses to use this system, they can rent it to employers to secure their employees details. In effect a way to replace a username and password combo and replacing it instead with a fingerprint via touch id. For arguments sake lets say you have a door where by only certain employees are allowed past, using the iPhone's NFC and touch id a person who the employer authorises could unlock that door by a fingerprint. I'm sure theres a lot more uses too.
We will find out if this is Apple's route because they'll have to roll out touch ID to the iPads and Mac books but potentially that side of the system could make profits from Apple pay look small.
I've watched this thread for a while and I have a small amount of money available id like to start using. It wouldn't impact me financially if I lost the lot, but I'd prefer not to, obviously! I'm also addicted to the news/current affairs, so I'm fairly well abreast of what's going on in the world.
What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
spud989 said:
I've watched this thread for a while and I have a small amount of money available id like to start using. It wouldn't impact me financially if I lost the lot, but I'd prefer not to, obviously! I'm also addicted to the news/current affairs, so I'm fairly well abreast of what's going on in the world.
What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
You can start trading with three figures, but it's likely to revolve around single shares at a time. Notice that I say trading and not investing. It's effectively gambling.What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
Also losing it all isn't the threat, it's throwing more after it that should be the concern.
My suggestion is hold fire on the real money. Set up a Google Finance account or join the LSE fantasy game and virtualise it; make the buys you would have and see how it pans out. Don't forget to keep track of the overheads.
It's hard to take it really seriously when you've nothing real on the line but do maintain a few rules, like no writing off losses and starting again. It's also hard to avoid jumping in for real at the first happy experience but give it a while. Make a spreadsheet of what you did and why it was good or crap, e.g. good: saw something you knew was undervalued so bought in/decided to be cautious and took profits before it fell; bad: panicked and ignored the original plan/was too hasty/bought into hype.
Before long you'll find out what works and more so what doesn't, and it might take the gloss off the idea. If the conclusion is that it's not for you then that's a legitimate thing to walk away with too.
Edited by trashbat on Saturday 27th September 12:37
spud989 said:
I've watched this thread for a while and I have a small amount of money available id like to start using. It wouldn't impact me financially if I lost the lot, but I'd prefer not to, obviously! I'm also addicted to the news/current affairs, so I'm fairly well abreast of what's going on in the world.
What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
Some good advice here. I also posted some advice there, strictly from one newbie to another!What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
I would not bother unless I had at least £2k otherwise you don't see enough growth to counter the fees and the spread. So it doesn't end up being worth the bother. Remember you can put up to ?£10k? ish into a shares isa.
AOK said:
spud989 said:
I've watched this thread for a while and I have a small amount of money available id like to start using. It wouldn't impact me financially if I lost the lot, but I'd prefer not to, obviously! I'm also addicted to the news/current affairs, so I'm fairly well abreast of what's going on in the world.
What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
Some good advice here. I also posted some advice there, strictly from one newbie to another!What's the best way of getting started in share dealing? I have literally nothing at the moment. Is it worth doing it with 3 figures as an experiment or is it not worth it unless you invest 4 figures at the start?
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
I would not bother unless I had at least £2k otherwise you don't see enough growth to counter the fees and the spread. So it doesn't end up being worth the bother. Remember you can put up to ?£10k? ish into a shares isa.
I'd still try fading that (& it'll probably double again the next day knowing my luck!)g4ry13 said:
walm said:
Totally agree on ApplePay. That will be HUGE within a year. They will destroy the card industry (not MC or V but the people who actually make cards, IMHO). Who wants 5 credit cards when you can just wave your phone!?
Will they have a max limit you can spend like the contactless? It's all great until you lose your phone / get robbed and someone runs around buying high end items at your expense and the only protection you have is a phone lock. Admittedly I haven't read into all of the security surrounding it, but a concern of mine would be security and not wanting to be vulnerable should my phone go AWOL.It needs your fingerprint to work (hence only iphone5 onward work with it) and if you lose it, as soon as you find an internet connection you can instantly disable it remotely using findmyiphone.com or whatever the site is.
Oh and rather than waiting for a new bunch of cards and PINs in the mail - as soon as you have a new phone you just reinstall from icloud and you are good to go again.
And as you say I think initially at least it will have that low limit like contactless while people get comfortable with it.
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