Thanks for the reply. I have found that initially I used to cash in much too early, but the last two years have held onto my positions a lot longer picking up one and sometimes two dividends on the way, which goes a long way to offset the interest the position draws. The fact that we've had a good bull run certainly has helped. I tend only to look at stocks that are fairly good dividend payers for that reason. I do however like the odd "smash and grab" like I did with ABL on Friday, in hindsight got out too early, as it could have paid for January's ski trip as well, but the aim was always a quick in and out. Did the same with Lonmin after Marakana , Cipla when CEO took the gap.