£200 a month to invest? I’d forget gold and use a Stocks and Shares ISA

first_img£200 a month to invest? I’d forget gold and use a Stocks and Shares ISA Roland Head | Saturday, 8th February, 2020 See all posts by Roland Head Gold has been an outstanding investment over the last year, climbing by around 20% to more than $1,550 per ounce. That compares to an increase of around 4% for the FTSE 100 and of 12% for the FTSE 250.The yellow metal has been a star performer over longer periods too. Over the last five years, gold has climbed nearly 35%, compared to less than 10% for the FTSE 100 and about 24% for the FTSE 250.5G 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…Based on the figures I’ve given above, you might think that the case for gold is pretty watertight. However, I think there are a number of good reasons why stock market investments are still likely to outperform gold in the real world. In this article I’ll explain why I’m sticking with stocks.Consistency is keyThe stock market has a reputation for boom and bust returns. Crashes certainly do happen. But history suggests that UK stocks deliver much more stable returns than gold, which can be very inconsistent.For example, the gold price in August 2003 was unchanged from April 1990. Over the same period, the FTSE 100 rose by nearly 85%.Between 2003 and 2011, gold then exploded upwards, rising from $315 per ounce to an all-time high of just over $1,900 per ounce. Unfortunately the price of gold price then crashed, falling by 45% to $1,060 in less than five years.Anyone who bought gold between June 2011 and March 2013 is probably still sitting on a loss. If the price of gold continues to rise, these investors may finally break even, after nearly 10 years.But holding on to losing investments and deciding whether to keep investing over long periods is very difficult. Many people find it too hard and end up selling at a loss, missing out on any future recovery.Cash income beats goldIn my experience, it’s much easier to hold on to an investment that’s showing a loss if it provides a regular income. Gold pays no income, but the FTSE 100 currently offers a dividend yield of around 4.4%. That provides an attractive income for index fund investors.The FTSE 250 dividend yield is a more modest 3.2%, but historically, this has been offset by stronger growth.There’s a second benefit to all of this income too.If we include dividends in our measure of returns, then the FTSE 100 has delivered a total gain of 32.3% over the last five years, matching gold.Investors in the mid-cap FTSE 250 index have done even better. They’ve enjoyed a total return of 48.9% over the last five years, smashing gold’s 32% return.Where I’d invest todayIf you’ve got £200 per month to invest, I believe the stock market still offers the best opportunities. If I was starting today, I’d open a tax-free Stocks and Shares ISA. I’d then invest in FTSE 100 and FTSE 250 index funds, paying £100 per month into each.In my view, this approach should provide a good balance between the faster growth of the FTSE 250, and the stability and more generous income provided by the FTSE 100.My sums suggest that if you buy ‘accumulation units’ so that your dividends are reinvested automatically into your funds, saving £200 per month could leave you with a fund worth £117,800 in 20 years. I reckon that that could provide a useful boost to your retirement plans. Roland Head 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. 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. 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. Image source: Getty Images center_img Enter Your Email Address Simply click below to discover how you can take advantage of this. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! “This Stock Could Be Like Buying Amazon in 1997” 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. Our 6 ‘Best Buys Now’ Shareslast_img read more

£3k to invest today in an ISA? I’d buy these pandemic-proof FTSE 100 stocks

first_img Image source: Getty Images Harvey Jones | Tuesday, 6th October, 2020 “This Stock Could Be Like Buying Amazon in 1997” £3k to invest today in an ISA? I’d buy these pandemic-proof FTSE 100 stocks Enter Your Email Address Harvey Jones 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. Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this.center_img 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. 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. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! If I had £3,000 to invest today, I’d be looking for FTSE 100 stocks that should hold steady even if the pandemic drags on. I think the housebuilding sector offers that opportunity, because it’s effectively being underpinned by the government.Yesterday, prime minister Boris Johnson announced new measures to help first-time buyers onto the property ladder, creating ‘Generation Buy’ by offering young people low-deposit mortgages. The aim is to fix the problem of unaffordable deposits, where buyers cannot scrape together the necessary 15% deposit most lenders demand.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…It will help fix FTSE 100 housebuilding stocks too. They’ve all climbed today as a result, and this isn’t the only state aid ministers are offering.These FTSE 100 stocks are underpinnedSometimes it feels like the government’s number-one priority is to rush to the rescue of the housing market. Chancellor Rishi Sunak’s stamp duty holiday is driving activity, with Nationwide reporting that house prices climbed 5% in the year to September. That’s the fastest growth in four years, despite today’s massive health, jobs, and economic crisis.The Help to Buy scheme is also propping up demand for new-build properties, and although that will be scaled back from next spring, it may be extended. Then there’s the Lifetime ISA, which gives first-time buyers a 25% bonus, worth up to £1,000 a year, when saving towards a deposit. Throw in all-time low interest rates, and the total stimulus is colossal.The cumulative effect is to drive UK house prices to a record high of £226,129, Nationwide figures show. Which is great news for FTSE 100 stocks exposed to the property market, primarily housebuilders of course.Yesterday, the UK’s biggest housebuilder Barratt Developments saw its share price jump 4.13%. It’s now up more than 27% in the last six months. Similarly, FTSE 100 stock Vistry Group jumped 3.78% yesterday, and trades 14% higher than six months ago. Persimmon jumped 2.41% and is now up an astonishing 56% in the last six months.Berkeley Group Holdings saw a smaller gain of 1.33% yesterday but is, nonetheless, up almost 30% over six months. Taylor Wimpey is the sluggard among these FTSE 100 stocks, up ‘just’ 7% in six months.These FTSE 100 stocks were on the front line of the Brexit shock, and the same happened when coronavirus struck. The housing market effectively locked down. But that seems to have created pent-up demand, rather than destroying it.Build your wealth in an ISAGiven the shortage of supply and the high demand for property, it will take major upheaval for prices to crash. Quite frankly, the government isn’t going to allow it.Despite this, the housebuilders still look relatively cheap. Barratt is trading at 12.46 times earnings, Persimmon at 9.51 times, Vistry at 5.73 times, Berkeley 13.41, and Taylor Wimpey at just 5.38 times. Most have been cutting dividends but, hopefully, they will be restored once the worst of Covid is behind us.In the meantime, demand for property looks set to remain healthy, as do the long-term prospects for housebuilders. They’re not as cheap as they were during the stock market crash in March, but these government-pampered FTSE 100 stocks still look tempting today. If I was putting £3k, or any other sum, into a tax-free Stocks and Shares ISA, I’d check them out. See all posts by Harvey Joneslast_img read more

BG Apartment / Francesc Rifé

first_imgManufacturers: Flexform, Louis Poulsen, &Tradition, Cassina, Paola Lenti, d+b Products translation missing: en-US.post.svg.material_description Photographs Save this picture!© Fernando Alda+ 18 Share Spain Projects Apartments CopyApartments•Seville, Spain Architects: Francesc Rifé Year Completion year of this architecture project BG Apartment / Francesc RiféSave this projectSaveBG Apartment / Francesc Rifé “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/876638/bg-apartment-francesc-rife Clipboardcenter_img Year:  2015 BG Apartment / Francesc Rifé ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/876638/bg-apartment-francesc-rife Clipboard “COPY” ArchDaily Photographs:  Fernando Alda Manufacturers Brands with products used in this architecture project Products used in this ProjectLightsLouis PoulsenLamps – AJ CollectionHanging LampsLouis PoulsenLamp – PH 5 + PH 5 MiniSofasFlexformSofa – GroundpieceArchitect In Charge:Francesc RiféCity:SevilleCountry:SpainMore SpecsLess SpecsSave this picture!© Fernando AldaText description provided by the architects. This dwelling is located at a key point of the city of Seville: next to La Maestranza bull ring and the Guadalquivir River. The owners of the flat, located on the top floor of a classic building, were aiming to achieve a more open space with more light.Save this picture!© Fernando AldaThe dwelling is clearly divided between daytime and night-time areas. The latter includes two small bedrooms, a bathroom and an en-suite bedroom with a dressing room. The materials to be highlighted in both bathrooms are Calacatta marble and bleached pine wood.Save this picture!Floor PlanThe day time area consists of an access, planned in glass and marble, a feature dividing the outside and the inside of the dwelling.Save this picture!© Fernando AldaLeading on from the entrance, there is a significant open plan kitchen finished in bronze and a living room, split up into two environments: on the one hand, a reading area with chaise longues and a sofa area facing the fireplace, with a television, large windows and views of the river.Save this picture!© Fernando AldaFollowing that there is a dining area that acts as a fulcrum between the open space and a rear office area, acting as a bridge with the enclosed night-time area. The project’s highlight material is large format bleached pine, used for the walls and floor, with the exception of the entry area, office and bathroom where Calacatta marble has been used.Save this picture!© Fernando AldaProject gallerySee allShow lessThis Student-Run Website Is Experimenting With Architecture Through Cubes Architecture NewsSebastian Weiss Reveals The Public Personalities of French Landmarks in Paris, Nante…Architecture NewsProject locationAddress:Seville, SpainLocation to be used only as a reference. It could indicate city/country but not exact address. Share CopyAbout this officeFrancesc RiféOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsSevilleSpainPublished on August 21, 2017Cite: “BG Apartment / Francesc Rifé” [BG Apartment / Francesc Rifé] 21 Aug 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogWoodTechnowoodPergola SystemsWindowsMitrexSolar WindowMetal PanelsAurubisPatinated Copper: Nordic Green/Blue/Turquoise/SpecialCommunications2NIntercom – 2N® IP BaseSkylightsLAMILUXGlass Skylight FE Pyramid/HippedConcreteKrytonCrystalline Waterproofing – KIMWood Boards / HPL PanelsBruagWall Cladding – MDF Perforated PanelsStonesMikado QuartzQuartz Slab – ClassiqueFloorsFranken-SchotterFlooring Panels – Dietfurt LimestoneWindowspanoramah!®ah! CornerFittingsSaliceStorage Accessories – Excessories, Pull- outArmchairs / Couches / Futons / PoufsEmuSeating System – TamiMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

Public fundraising campaign has raised just £330

first_imgFinancial records indicate that a fundraising consultancy has so far been paid £60,000 for its work.The project to restore the Nomadic has received a £500,000 grant from the Northern Ireland Tourist Board, bringing the total pledged to £4m. More than £2 million of the £4 million raised has come from the European Union.The Nomadic currently sits in dry dock, awaiting repair and restoration.Denis Rooney, chairman of the Nomadic Trust, the charity charged with delivering the project, said their finances were strong.But at one stage they had been perilous and Mr Rooney had to risk his own money when he acted as guarantor on a bank overdraft facility.The hope is to have the Nomadic restored and ready for visitors for the 100th anniversary of its launch in 2011.It is also understood that the relationship between the Trust and the Nomadic Preservation Society, a support group of enthusiasts, is very strained.There is an ownership dispute over a Nomadic lifeboat, one of the project’s key artefacts, and the society has, so far, only given £470 to the trust from the many thousands of pounds it has raised for the Nomadic project.www.nomadicbelfast.comPhoto: cuddesdon1971 on Flickr.com Public fundraising campaign has raised just £330 A public fundraising campaign as part of a £7 million target to refurbish the SS Nomadic, which ferried passengers to the Titanic, has raised just £330, according to a report from BBC Northern Ireland.The pubic were invited to ‘Sponsor a Rivet’ towards the campaign but only a handful of people have responded. Moreover, less than £8,000 has been raised from corporate donors towards the campaign. Advertisement Howard Lake | 18 September 2009 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis  6 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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.last_img read more

Missing Co Wexford man found safe and well

first_img 75 positive cases of Covid confirmed in North Missing Co Wexford man found safe and well A man reported missing to gardai almost a week ago has been located “safe and well”.An alert for Michael Kingston was issued last week – and a renewed appeal made on Friday.He was last seen at his address in Sandyford on Monday morning last.There had been reports that he had been spotted in Letterkenny on Thursday night.However, gardai said 30-year-old Mr Kingston has been found safe and well this evening. Twitter Google+ RELATED ARTICLESMORE FROM AUTHOR Facebook 365 additional cases of Covid-19 in Republic Google+ Twitter WhatsApp By News Highland – March 15, 2015 center_img Man arrested on suspicion of drugs and criminal property offences in Derry Facebook Pinterest Homepage BannerNews Main Evening News, Sport and Obituaries Tuesday May 25th Previous articleHamilton wins 1st Grand prix of new seasonNext articleIrish radio stations to simultaneously pay tribute to Tony Fenton this afternoon News Highland WhatsApp Further drop in people receiving PUP in Donegal Pinterest Gardai continue to investigate Kilmacrennan firelast_img read more

School evacuated in Derry security alert

first_img Previous articleNo Jurors required for Letterkenny Circuit CourtNext articleWork on Muckish Railway Line Greenway to begin shortly News Highland School evacuated in Derry security alert WhatsApp Twitter News, Sport and Obituaries on Monday May 24th Google+ Nine til Noon Show – Listen back to Monday’s Programme By News Highland – November 2, 2020 Facebook Important message for people attending LUH’s INR clinic RELATED ARTICLESMORE FROM AUTHOR There is a security alert on Buncrana Road in Derry.A public safety operation is underway.St Columb’s College is being evacuated and a number of cordons have been put in place in the immediate area.No homes have been evacuated at this time.Police are due to issue further details shortly.center_img Community Enhancement Programme open for applications Google+ Twitter Pinterest Loganair’s new Derry – Liverpool air service takes off from CODA Facebook Arranmore progress and potential flagged as population grows Homepage BannerNews Pinterest WhatsApplast_img read more

Group speaks out after alleged racist incident at Buffalo Wild Wings

first_imgWLS(CHICAGO) — The attorney representing a group that said they were asked to move seats at an Illinois Buffalo Wild Wings because of their race is calling for the company to be “trailblazers” when it comes to standing up to racism.“We are hoping, in fact, we are expecting that they will be good corporate citizens and take the opportunity to do the right thing … We are looking to change things,” attorney Cannon D. Lambert said at a press conference Tuesday.Justin Vahl and Marcus Riley said at the press conference that they were among a group of 18 people, including children aged 5 to 12, who were asked to go to another table because a customer didn’t “want to sit around black people.”“Now you question every restaurant you walk into,” Riley said.The alleged incident occurred on Oct. 26 at a Buffalo Wild Wings in the Chicago suburb of Naperville.Vahl and Riley said the group eventually left after being asked multiple other times to move.“A couple of the kids asked what was going on, if they were getting kicked out,” Riley said.The restaurant franchise said in a statement Monday that the employees involved were fired and the customer “who exhibited the inappropriate behavior” was banned from all Buffalo Wild Wings locations for life.“Buffalo Wild Wings values an inclusive environment and has zero tolerance for discrimination of any kind … Buffalo Wild Wings will conduct sensitivity training throughout our Chicagoland sports bars in response to this incident,” the statement read. The company did not respond on Tuesday to ABC News’ request for further comment.Lambert urged the company to do more.“We are not surprised that you are instituting sensitivity training. We are surprised there wasn’t any already in place,” Lambert said at the press conference.“If you’re telling us you’re banning a couple, well, we’d like to know how,” Lambert added.The attorney said Buffalo Wild Wings should establish an accountability system and adopt new procedures when hiring potential employees, including asking candidates how they would deal with a racially-charged situation.A lawsuit against Buffalo Wild Wings has not yet been filed, and Lambert said there would be no need to do so if the company agreed to speak with the group and admit “this should have never happened.”Ashley Smith, another member of the party during the alleged incident, was overcome with emotion as she tried to speak about how the children are holding up.“To see them try to understand is hurtful. They should not have to understand. You look at these boys and they are all different and they need to know that’s okay,” Smith said through tears.Six children were present for the press conference and could be seen crying after Smith spoke.Copyright © 2019, ABC Audio. All rights reserved.last_img read more

e-business: jargon buster: Internet Service Provider

first_imge-business: jargon buster: Internet Service ProviderOn 25 Jul 2000 in Personnel Today Comments are closed. An ISP is the company that provides you with access to the Internet. The ISP is always connected to the Internet and users dial up and piggy-back their ISP’s connection. The largest ISP in the UK is Freeserve, which pioneered free Internet access last year.Online services The line between these and ISPs is increasingly blurred. On-line service companies, such as AOL, Compuserve and the Microsoft Network (MSN) have created their own tailored network or universe of sites and services. The major travel site Expedia, for instance, began life as a travel channel within MSN.Portal This is a site which aims to offer everything you want and expect from the Internet such as e-mail access, shops and services, a long list of sites and a search engine. By various methods such as personalisation of pages (for instance in Yahoo, you can set up My Yahoo), you are encouraged to stay in that portal.Vortal A vertical portal bringing together sites focusing on a particular area. For instance, Stepstone describes itself as a jobs and career portal. Portals can be effective advertising mediums because they are entirely focused. Previous Article Next Article Related posts:No related photos.last_img read more

Best week since 2019 for Manhattan luxury market

first_img Email Address* The No. 2 contract by asking price was unit 62B at Extell Development’s 157 West 57th Street.The 4,193 square-foot unit was last asking $19.9 million — down from $25.2 million. It has three bedrooms, three-and-a-half bathrooms and views of Central Park.It was one of a growing number of sponsor units to trade recently, as developers bring prices down to meet the market.According to Olshan’s report, of the 57 contracts signed in the past two weeks, about half have been sponsor units.Contact Sylvia Varnham O’Regan Tags condo marketdonna olshanNYC Luxury Market Message* Share on FacebookShare on TwitterShare on LinkedinShare via Email Share via Shortlink Share via Shortlink A two floor unit in The Benson on Madison Ave was the priciest home to go into contract last week. (The Benson) Buyers are returning to New York’s luxury market in force, with last week netting the largest number of contracts for properties asking $4 million or more since November 2019.There were 30 such contracts signed in total, according to the latest market report from Olshan Realty. Of those, 21 were condo units, four were co-ops and five were townhouses.The surge builds on an upward trend that emerged in the luxury market late last year, offering hope to developers whose sales plunged when the pandemic hit.“It’s a very optimistic report because really what it’s showing is the consumer is out there and aggressively looking at New York as a place to buy and live,” said Donna Olshan, who tracks luxury sales.The priciest home to go into contract last week was the 10th and 11th floors at Naftali Group’s Benson condo at 1045 Madison Avenue, a 15-unit building that’s seen a string of big-ticket contracts of late.The unit measures 8,386 square feet and the buyer will pay the sponsor for the additional construction needed to create the duplex, the report said.Bo Poulsen of Brown Harris Stevens, who represented the buyer, said his clients never visited the building and instead did the deal virtually.“We looked on and off for years,” he told Olshan. “The apartment checked off the right boxes.”Read moreFinancier lists Brooklyn Heights townhouse for $18M432 Park tenants plagued by creaks, leaks and design flawsDaughter of casino magnate Neil Bluhm buys $20M condo Full Name*last_img read more

Walkers reshuffles at the top

first_imgWalkers Shortbread chairman Peter Simpson has stepped down to be replaced by new non-executive chairman Michael Walker of financial public relations company Broadgate Marketing. He is not related to the Walker family that owns the business. Simpson stays on as non-executive director.The move comes as part of succession planning at Aberlour-based Walkers.Nicky Walker becomes production director and, in time, will take over many responsibilities from his father Joseph, who has been in sole charge of production since joining the company in the 1950s, the firm said.Nicky’s brother Richard has been appointed technical director while David Edwards has joined the company from Scottish & Newcastle as financial director.last_img read more