How £500 a month in a Stocks and Shares ISA might help you make a million


first_img See all posts by Rupert Hargreaves Rupert Hargreaves | Saturday, 11th July, 2020 I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. How £500 a month in a Stocks and Shares ISA might help you make a million I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Image source: Getty Images. Rupert Hargreaves has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!center_img Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Many investors dream of being able to make £1m in the stock market. Unfortunately, for too many, this dream does not become a reality. However, by making the most of a Stocks and Shares ISA and setting up a regular investment plan, you could dramatically increase your chances of being able to hit this lofty target. Stocks and Shares ISAThe most significant benefit of using a Stocks and Shares ISA to grow your financial nest egg is its tax advantages. These products are like investment shopping baskets. You can buy a selection of investments inside the wrapper, and they’re then sheltered from UK income tax and capital gains tax.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…However, Stocks and Shares ISA contributions are limited to £20,000 a year. But this may be enough to help you achieve your financial goals. You see, by making the most of compound interest, it’s possible to grow a small monthly Stocks and Shares ISA contribution into a sizable sum over the long term. The best path to take on this journey is to use a low-cost tracker fund. One of the biggest mistakes investors can make when saving for the future is to buy stocks and shares they don’t understand. This can result in losses, which may prevent you from hitting your wealth goals. But a low-cost tracker fund tracks a market index such as the FTSE 100 or FTSE 250.Over the past three-and-a-half decades, these indexes have returned 8% per annum and 12% per annum respectively. That’s significantly more than cash over the same time frame. And at these rates of return, it may be possible to turn a monthly deposit of £500 in a Stocks and Shares ISA into a life-changing sum. The road to a million A return of 12% per annum might not make you a millionaire overnight, but over the long term, these consistent returns really add up. For example, according to my calculations, it would take just 26 years to turn £500 a month into a million at a 12% per annum rate of return. At a return of 8% per annum, it would take 34 years of saving £500. These figures show how straightforward it is to make £1m with monthly Stocks and Shares ISA contributions. The critical part is to keep the contributions going. Consistency is key here. The market will do all of the hard work for you if you can make sure the ISA is being topped up every month. If you’d like to pick stocks yourself, you might be able to achieve a higher return. However, this approach also comes with more risk. One mistake could be a significant setback on your journey to a million. Therefore, it may be best to build a well-diversified portfolio of stocks as well as funds. This may allow you to profit from any upside growth while limiting downside risk. Simply click below to discover how you can take advantage of this. Enter Your Email Address Our 6 ‘Best Buys Now’ Shares “This Stock Could Be Like Buying Amazon in 1997”last_img read more

Branded water bottles enable companies to show support for charities


first_img Howard Lake | 27 July 2006 | News Businesses have a new way to show their support for charities after the launch of a concept aimed at the UK fundraising sector.Company Water allows organisations of all sizes to brand their own bottles of natural mineral water with logos, unique promotional messages or any other design.The concept has been an enormous success across the Europe since its launch in 2005 but this is the first time it has been possible to produce small quantities cost effectively in the UK. Advertisement Tagged with: Community fundraising Trading About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.  18 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThiscenter_img Branded water bottles enable companies to show support for charities Most of the water is sourced from an award-winning spring in Mid-Wales but has sources in England and Scotland as well. Bottles are available in PET or glass and in shapes and sizes to suit customer requirements. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThislast_img read more

Men’s basketball bounces back with win over Winthrop


first_imgFacebook Previous articleNews Now 12/11/19Next articleWomen’s basketball suffers first loss of season against No. 11 Texas A&M Colin Post RELATED ARTICLESMORE FROM AUTHOR Colin Post is a Sports Broadcasting and Journalism double-major from Houston, Texas. Along with sports writing, Colin hopes to work in sports announcing after he graduates. Colin Post Another series win lands TCU Baseball in the top 5, earns Sikes conference award Linkedin Taylor’s monster slam highlights big weekend for TCU Athletics Facebook + posts Colin Posthttps://www.tcu360.com/author/colin-post/ Colin Posthttps://www.tcu360.com/author/colin-post/ Another series win lands TCU Baseball in the top 5, earns Sikes conference award ReddItcenter_img TCU rowing program strengthens after facing COVID-19 setbacks Colin Posthttps://www.tcu360.com/author/colin-post/ Colin Posthttps://www.tcu360.com/author/colin-post/ printGuard R.J. Nembhard led all scorers with 15 points on Wednesday night. Photo courtesy of GoFrogs.com.After falling in a heart breaker to USC last Friday, TCU basketball with a 10-point win, defeating Winthrop 70-60 at home Wednesday night.“Good win,” head coach Jamie Dixon said. “We defended well. I like where we made some progress and came back from a poor defensive outing the other day.”Sophomore R.J. Nembhard led all scorers with 15 points. The sophomore added six rebounds, three assists and two steals in the win.After the Eagles struck first to go up 4-0, the Frogs popped off on a 12-0 run blow the game open early.Poor shooting by TCU held them back though, and the teams went back-and-forth for the rest of the half.The Frogs held a 31-26 lead going into the locker room at halftime. They cashed in on just four of their 13 three-point attempts during the first half.With center Kevin Samuel in foul trouble, Ohio State transfer Jaedon LeDee was a dominant force in the first half, recording a season-high 10 points while grabbing four rebounds.“I think we just kind of need to get him [LeDee] more involved, and he’s got to get more comfortable,” Dixon said. “He’s playing hard, and he brings physicality to us, which we need.”TCU will need LeDee to get more involved because their depth in the paint took a blow earlier this week when center Russell Barlow entered the transfer portal.Winthrop pulled within two in the opening minutes of the second half, but that’s as close as they would get.A 9-0 run by TCU early in the second half combined with a 7-0 run with five minutes left would help the Frogs hold the Eagles off. Nembhard was instrumental in both runs, scoring 10 of his game-high 15 in the second half alone.While TCU had shot 48.3 percent as a team in the contest, they continued to struggle from deep, shooting at 24 percent.“Some days, you’re going to make them. Some days, you’re not,” Bane said. “It’s good to be able to win when you’re not making shots.”Guards Desmond Bane and Jaire Grayer combined for 23 points and 11 rebounds on the night.Up next, the TCU looks to keep rolling at home against Lamar. Tip-off in Schollmaier Arena is scheduled for Saturday, Dec. 14, at 2 p.m. ReddIt Linkedin Despite series loss, TCU proved they belong against No. 8 Texas Tech Twitter Twitter First TCU spring game since 2018 gets fans primed for a highly-anticipated fall TCU baseball finds their biggest fan just by saying hellolast_img read more

Councillors squable over Twin Towns leisure centre


first_img By News Highland – January 25, 2010 Pinterest News Google+ RELATED ARTICLESMORE FROM AUTHOR WhatsApp Twitter Councillors squable over Twin Towns leisure centre Gardai continue to investigate Kilmacrennan fire Twitter 75 positive cases of Covid confirmed in North Previous articleGAA – Dr Mc Kenna Cup Semi Final line up confirmedNext articleGovernment looking to withdraw from Greencastle Harbour Project News Highland center_img Google+ Main Evening News, Sport and Obituaries Tuesday May 25th Man arrested on suspicion of drugs and criminal property offences in Derry 365 additional cases of Covid-19 in Republic Facebook Pinterest Facebook Further drop in people receiving PUP in Donegal WhatsApp There were heated exchanges in the council chamber this afternoon when the issue of the Stranorlar Leisure Centre was raised. Councillor Martin Harley raised the subject calling on the local authority to increase efforts to progress the project – however the ensuing debate soon turned to farce when a round of name calling erupted.Commenting on the progress to date Councillor Frank McBrearty accused Fianna Fail of using the leisure centre as a political football. This brought an angry response from Councillor Patrick McGowen who accused Councillor McBrearty of not caring about anything except himself and his election to the Dail.Councillor McGowen called Councillor McBrearty a ‘clown’, he later withdrew the comment however in the mean time Councillor McBrearty took issue with Mayor Byrne’s handling of the situation saying that he would ‘get him in the long grass’. The issue was closed when the county manager said he would deal with all the issues raised at a meeting with local councillors ahead of the capital budget meeting in March.last_img read more

TGS submits $600m offer to acquire PGS’s multi-client data library


first_img TGS seeks to acquire PGS’s multi-client data library. (Credit: C Morrison from Pixabay) Norwegian oil and gas seismic service provider TGS-NOPEC Geophysical Company (TGS) has submitted a conditional and non-binding offer to purchase rival company PGS’s multi-client data library, for a cash consideration of $600m.TGS seeks to acquire PGS’s multi-client data library including all existing data and work-in-process, as well as the contractual arrangements associated with the foregoing.The offer also includes a proposal for singing post-closing collaboration agreement for future PGS multi-client projects. It would also include certain preferential rights for PGS to offer 3D-fleet for future TGS data acquisition.TGS expects the multi-client library of PGS to significantly broaden its worldwide geophysical data offering in all major mature and frontier basins.Responding to the proposal, PGS’s board said it would its views before the expiration of the offer, which is valid until 16 August 2020.In a press statement, TGS said: “The proposed transaction presents an opportunity for PGS and its stakeholders to monetize its multi-client data library in excess of its full reported value, delivering substantial funds to PGS in what are challenging times for the entire seismic industry.”The transaction would deliver increased efficiencies in  seismic industryTGS also expects the combination of the TGS and PGS multi-client businesses to improve the industry’s ability to deliver services as well as deliver increased efficiencies in the seismic industry.TGS CEO Kristian Johansen said: “We see a strong complement between our existing business and the PGS data library and the opportunity to leverage our expertise and scale to improve returns.“Concurrently, a refocused and refinanced PGS will be a world-leading and highly innovative provider of acquisition technology and marine acquisition capacity, providing a strong platform for creating long-term value for the company´s stakeholders.“The proposed transaction is thus aimed at safeguarding customers’ access to leading acquisition technology, high-quality data acquisition capacity and top tier data processing capabilities, whether they choose to purchase data through the contract model or the multi-client model.”In April 2020, TGS said it has commenced a new 3D seismic survey in the offshore The Gambia, West Africa. TGS seeks to acquire PGS’s multi-client data library that includes all existing data and work-in-processlast_img read more

Eagles Chaplain to Speak at Free FCA Coaches Breakfast


first_imgThe Philadelphia Eagles join in prayer with the Los Angeles Rams after defeating the Rams during the 2018 season. (Photo credit: Fox Sports/Photo by Kevork Djansezian/Getty Images) By Tim KellyIt was once said by the Rev. Dr. Billy Graham that coaches influence more lives in one season than many people do in their entire lifetime.With that premise in mind, it was easy for Laura Matera to organize the Cape Atlantic Fellowship of Christian Athletes first Coaches Breakfast.The event, free to area coaches from Little League to the college level, is set for Saturday, January 26, from 8 to 9:30 a.m. at the Ocean City Tabernacle, 550 Wesley Ave., Ocean City.Also invited are athletic directors, assistant coaches and athletic trainers, Matera added.“We wanted to put a professional event for local coaches,” said Matera, Director of the Cape Atlantic FCA. “We are faith-based and of course want to (advance the religious aspects of) the FCA.  But we also wanted to reach out in a secular way to recognize, encourage and support our local coaches.”Attendees will enjoy breakfast and networking with their peers.“We want to celebrate the commitment and dedication of our area coaches,” Matera said. “Whether you have coached for generations or are new to coaching, our desire is for you to be encouraged and inspired in your role,” Matera said.Ted Winsley has been the Eagles’ Chaplain for 17 years. (Photo credit: The Family Church)Ted Winsley, for 17 years the Chaplain of the Philadelphia Eagles, will engage with the coaches and deliver a talk, and Kevin Harvey, Chaplain of the Philadelphia 76ers, will also be on hand.“Coaches are under a tremendous amount of pressure,” Matera said. “Family breakups, teen suicide and drug use are at all-time highs. As a result, coaches have a very high burnout rate.  We want to help them get through whatever their difficulties may be.”Matera, well-known in the region for her FCA Surf and Skate Camps and many other activities on behalf of Cape Atlantic FCA, said the organization offers training programs for many of the aspects of coaching that are separate from teaching the sport and directing their squad on game day.She said coaches will have the opportunity to sign up for the training.“The goal is for coaches to leave the event feeling inspired to continue in their leadership role to positively influence our young people,” Matera said. “Healthy athletes build healthier communities.” The Cape Atlantic FCA also recruits trains and pairs “Character Coaches” with local teams who assist the head coach with all types of challenges.“Perhaps a player is going through something, the Character Coach is often able to handle it and provide a different voice (in addition to the coach’s),” she said.Winsley’s tenure as the Birds’ Chaplain spans three head coaching regimes, but his role became more visible since the team captured its first Superbowl championship last year.“The Eagles are very (outspoken) as a team about their faith and very engaged,” Matera said, “and Ted’s message has been pushed into the forefront. He is now the Chaplain of a Superbowl-winning team.”A native of Dover, Delaware, Rev. Winsley is Pastor of Voorhees, Camden County-based The Family Church. He holds an Associate’s degree and Pastoral Certificate from Vision International University, and a Bachelor of Science degree from Delaware State University.Local FCA staff Laura Matera and Sara MostafaTo learn more, please go to: http://fcacapeatlantic.org/last_img read more

Packaging watch


first_imgAccording to Mintel’s latest report, Ethical and Green Retailing, June 2007, released this month, as many as two-thirds of consumers believe retailers should do more to reduce the amount of packaging they use.Over half (55%) say that retailers and producers, including bakery, should only use packaging materials that can easily be recycled. “The finding that nearly three-quarters of adults claim to be active recyclers makes it all the more irritating that the recycling infrastructure is not better developed than it is. Although retailers and manufacturers have been active in reducing packaging for some time, consumers are still not satisfied and clearly feel that there is more to be done,” said senior retail analyst Neil Mason.In July, bakery chain Greggs, announced that it had saved £12,000 in three months through recycling waste plastic from its Yorkshire stores, after teaming up with Leeds-based Cromwell Polythene. After Greggs’ vehicles have delivered to the shops, the drivers load waste plastics, such as waste packaging, and take them back to a central Yorkshire depot. From there, Cromwell Polythene’s Recycling Division collects the plastic and converts it into sacks and bags, some of which are returned to Greggs for general waste and segregation of waste plastic.As a result of the scheme, Greggs received a commendation at this year’s Business Commitment to the Environment Awards, which was presented by former environment secretary, David Miliband. The commendation recognised Greggs’ commitment to reduce the amount of waste it sends to landfill.last_img read more

Roll plant remedy


first_imgMeeting and answering the demands of its customers has seen continuous investment in plant, equipment and people at Birds (Derby)’s central bakery. The bakery company has always had one simple aim – to make a product that is as fresh as possible. It is a philosophy that bakery manager Gary Entwistle recalls nearly caught him out, back in Christmas 2005. “All had gone to plan until the final shift,” he says. “In order to achieve the freshness we promise and deliver to our customers, we left the production of cobs as late as possible in that final shift. Seven hours before the shift was due to end, we had a problem with the roll plant, which took two hours to remedy.”Cobs (or bread rolls) account for around 18% of the Birds’ turnover. Entwistle spoke to managing director Patrick Bird about possible solutions and returned from the Christmas break to find that the MD had ordered a completely new industrial roll plant from Konig’s UK distributor European Process Plant (EPP). The senior team at Birds scours Europe, attending all the major European exhibitions to look at machinery, and insists on visiting Continental craft businesses to see it working in the heat of the bakery.Entwistle explains: “Of all the roll plant we saw, Konig’s build quality and robustness caught our eye and it is certainly fit-for-purpose.”Entwistle admits that, for a 49-shop retail craft bakery business the size of Birds, having £500,000 invested in roll plant is a “bit of a luxury”. The new roll plant was delivered on 11 December last year and commissioning began just three days later. “We immediately commissioned four major products with the minimum of fuss and this gave us a major boost to efficiency and effectiveness going into Christmas week 2006. The remainder of our products were then commissioned early in January this year,” says Entwistle.In choosing the new roll plant, Birds took its health and safety manager, engineering manager and two operatives to Konig’s factory in Austria. As a result, an additional guard was fitted and the Austrian company improved accessibility on the machine, making it much easier to clean.”What we have found most useful are measurement guides on the spreader bands and that Konig has taken into account the manual loading and unloading of trays, making the working height slightly higher at the depanning stage on the new machine.”Based in Epsom, Surrey, EPP has installed and maintained several pieces of equipment at Birds, including mixers, a pie and tart line and a large doughnut fryer. The new six-pocket head roll plant has 800mm-wide pockets in the resting chamber. The weight range on the new Konig is 35-135g and, as the machine can handle very different doughs, a wide range of bakery goods can be produced on the new plant.At 50 strokes per minute, six products across, the new Konig produces dinner rolls with a scale weight of 35g at a rate of 18,000 units an hour. The firm is looking to develop an XXL long moulded sandwich roll with a scale weight of 110g and, at 35 strokes a minute, three across, the new Konig roll plant can produce 6,300 units an hour. nlast_img read more

Walorski visits national command center for coronavirus response


first_img Twitter WhatsApp WhatsApp Pinterest By Tommie Lee – March 3, 2020 0 319 Facebook Facebook U.S. Representative Jackie Walroski visits the national coronavirus command center on March 2, 2020. (photo/Walorski Congressional Office) Congresswoman Jackie Walorski visited the Department of Health and Human Services coronavirus command center this week.On Monday, Walorski was there for a first-hand update on the federal response to the COVID-19 outbreak.The 3rd District Representative said “any threat to the health and safety of the American people requires a robust response at the federal, state, and local levels,” and added that she has full confidence in our nation’s public health officials and health care providers, and the work they’re doing to keep Americans safe.She also urged the government to find bipartisan cooperation to mount an effective response. CoronavirusIndianaLocalNationalNewsSouth Bend Market Pinterest Walorski visits national command center for coronavirus response Google+ Google+ Twitter Previous articleFunding moving forward for changes at the Tolson CenterNext articleDemolition of south side Shake ‘n Shake underway Tommie Leelast_img read more

Millennials would rather go to the dentist than listen to a credit union sales pitch


first_imgMuch has been written about marketing to and attracting millennials. This is especially relevant to credit unions. The average age of credit union membership is 47 and continues to increase. Meanwhile, 4.3 million millennials are turning 30 each year. That number also continues to increase. A solution to reducing the average age of members without compromising the older demographics is to provide financial products for millennials, beginning at the time they most need it.Millennials, as a demographic for financial services, are invaluable. According to the Global Financial Literacy Excellence Center, 38% of millennials have incomes $75k and up. Nearly half (49%) own their own home. While this somewhat reflects the statistics of their parents’ generation, the baby boomers, millennials are different than their boomer parents in many ways. As many have noted they are much more tech savvy, streaming music rather than putting in a CD, using Uber rather than hailing a taxi, pull out a phone while shopping in-store to see if there’s a better price online.But several of their macro habits are learned from their parents, the most relevant of which are banking habits. And specific to banking habits is the attitude toward credit. Millennials have witnessed parents, or their friend’s parents, lose jobs during the recession; they know someone who’s had their house foreclosed, or at the very least they’ve seen many of their peers get overextended in debt. They see using debit as “responsible”, and the use of credit as irresponsible or risky. 64% of consumers aged 19-34 told Experian in a survey that they consider credit cards “dangerous”. For issuers looking to bring younger consumers into their portfolios, this is a problem that needs to be addressed. And to add to this, alongside their skepticism of credit cards, they come into the picture saddled with student loans, on average $37,172 in debt. continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more