4 things you can do to improve your financial security

first_img Views expressed 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. 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. Simply click below to discover how you can take advantage of this. 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. “This Stock Could Be Like Buying Amazon in 1997” 4 things you can do to improve your financial security Enter Your Email Addresscenter_img See all posts by Edward Sheldon, CFA Edward Sheldon, CFA | Saturday, 22nd February, 2020 Research shows many Britons are worried about their financial security. For example, a 2019 Close Brothers study found that 94% of UK employees suffer money worries, while only four out of 10 employees are confident they’ll be able to retire at the age they want to. Meanwhile, another recent study by Aegon found that 41% of UK employees are concerned that their savings won’t last throughout retirement.If you’re worried about financial security, the key is to take charge of your finances sooner rather than later. With that in mind, here’s a look at four smart moves that could put you in a better position financially and reduce your related stress.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…Pay off debtOne of the first things to do is to pay off high-interest-rate debt (such as credit card debt) as soon as possible. This kind of debt can really set you back and prevent you from achieving your financial goals. Paying it off won’t only put you in a stronger position financially but it’ll also take a huge weight off your shoulders.Build an emergency fundOnce your debt is sorted, the next thing to do is to build up an emergency savings fund. This is a stash of money designed to protect you against financial shocks, such as losing your job or being hit with a large unexpected medical bill. Aim to build up enough money to cover at least three months’ worth of expenses – this will ensure you’ll have a financial buffer and provide peace of mind.Save within tax-efficient accountsThe next smart move I’d recommend making is taking advantage of tax-free savings allowances and incentives the government has put in place for those willing to save for retirement. A good place to start could be a Stocks and Shares ISA. Here, you can put away up to £20,000 per year, completely tax-free.Alternatively, if you’re saving for retirement, you could contribute to a Self-Invested Personal Pension (SIPP) account. The advantage of saving into this type of account is that the government tops up your contributions. These government top-ups could help boost your pension savings and reduce stress in relation to retirement.Invest your moneyFinally, the most important step if you want to be financially secure, is to get your money working for you. This means investing it, as opposed to just saving it.One of the most effective ways to grow your money is by investing it in the stock market. While stocks can be volatile in the short term, they tend to produce fantastic returns over the long run. For example, since 1984, the main UK stock market index, the FTSE 100, has returned around 9% per year on average. Meanwhile, the main US stock market index, the S&P 500, has returned around 10% per year since 1926.That kind of return could make a huge difference to your wealth over time. For example, save £5,000 per year and earn 9% on your money, and you could be looking at savings of over £250,000 after 20 years. Add in the government SIPP bonuses (20% tax relief for basic-rate taxpayers) and you could be looking at retirement savings of roughly £320,000.Having that amount of money available for retirement is likely to ease your financial worries significantly. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 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. Our 6 ‘Best Buys Now’ Shareslast_img read more

Upturn in local property market

first_imgWhatsApp Email Advertisement Previous articleStrike action planned for Tesco RoxboroNext articleLimerick seek improvement admin Facebook THE second hand property market is showing definite signs of recovery…but new house sales remain static.There has also been a marked improvement in the commercial sector, with several important  shop sales recorded in the city inside the last month.Sign up for the weekly Limerick Post newsletter Sign Up That is the word from a prominent local auctioneer who has detected a sharp, if unexpected rise, in the sale of second-hand houses.And he is hopeful that the upturn will continue, and that Ireland is coming out of the recession.He pointed to world oil markets. “Much to the annoyance of motorists, petrol prices have risen steeply in recent weeks, but the upside to that is that it signals a world-wide demand for oil again.  The wheels are moving in the United States and that is good news”.Though the property market had taken a nosedive over the last 12 months, there were, added the auctioneer, no bargains to be found in city estates.“Estates such as Caherdavin, Dooradoyle, Raheen, Corbally and Castletroy have held their values, with prices much the same as they were before the recession hit. The reason is that they are all close to the city with amenities on their doorsteps”.However, it is a different story on the outskirts with big price drops in areas like Clonlara, Crecora, Patrickswell, Meelick, etc.A spokesperson for one of Limerick’s biggest developers told the Limerick Post that while there was noticeable movement in the market place generally, it had yet to happen in new house sales.“There is a lot of stock around just now with some builders having in excess of 20 already built units just sitting there. That is a lot of money to have tied up.“Consequently, there is precious little in the way of new builds, with some sites having closed down.“While second-hand houses might be in demand, the situation there is that people are trading-up and are not too heavily committed loan wise.“Buying new is different, though, and the lending institutions have more or less shut shop when it comes to giving out substantial loans. Investors are also thin on the ground”.center_img Print NewsLocal NewsUpturn in local property marketBy admin – June 18, 2009 560 Linkedin Twitterlast_img read more

Letter from Dilbertville

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Austin frustrated by Barton red

first_img Barton was dismissed just 32 minutes into a crunch clash at the foot of the table having aimed a low blow at Tom Huddlestone. Players from both sides had clashed after Rangers debutant Darnell Furlong was penalised for a full-blooded challenge of Nikica Jelavic, but Barton’s decision to take a cheap shot at his opposite number was crass and unnecessary. Charlie Austin has vented his frustration at QPR captain Joey Barton’s costly sending off against Hull. “As one of the tallest trees, you catch the most wind,” he stated. “I won’t shy away from it. It’s a testament to the kind of person that I am that I’ve fronted up. I’ve made a mistake, I’m human and I’ll try my utmost to atone for it in whatever way that is. “I just felt we had a young kid, 19 years of age, making his debut. Really, senior pros shouldn’t be running over asking for him to be sent off. “I’m in a tough position to say this but you’ve got to have a bit more about you. If the boot was on the other foot, I wouldn’t be screaming for a 19-year-old kid from Hull to be sent off.” Hull’s deadline day signing N’Doye has gained most of the garlands for his last-gasp winner, his second goal in as many starts. But boss Steve Bruce made time to share the praise with Jelavic, who is the Tigers’ top Premier League goalscorer this season (with eight) and ever (with 12). “When we signed him (last January) he gave everyone a lift. He’s a goalscorer with a wonderful attitude,” said Bruce. “He’s a warrior, an old-fashioned type of individual. That makes him the player that he is. “It’s a great return considering he missed a couple of months as well. His goal was great technique. “When he got injured I don’t think we functioned without the number nine but with him back, and with N’Doye alongside him, they’re a handful, which we needed.” Barton insists he was only guilty of overdoing his defence of 19-year-old Furlong but after Hull bagged a vital 2-1 win courtesy of Dame N’Doye’s 89th minute header, his actions could have grave implications for QPR’s relegation battle. Austin typified the fighting spirit of the 10 men Barton left behind, levelling Jelavic’s opener with a fine header, but he could not hide his disappointment at his team-mate’s ninth career red card. “I think he just went over to protect Darnell but it’s a silly sending off,” said the 14-goal forward. “It’s kind of cost us the game. He’s the villain and rightly so for getting sent off. He’s got to deal with it. “He’s going to miss the next three games and he’s an important player for us, he’s our captain. “He’s just held his hands up and said sorry…There’s only so many times you can say sorry. We move on now, we’ve got a squad and that’s the main thing.” Barton took to Twitter immediately after the match apologising to fans and players alike, and later gave an expanded account of his latest moment of madness. The 32-year-old riffed on his reputation for dabbling in cod-philosophy with a proverb about trees that appeared to suggest his past indiscretions had counted against him, and also took a dim view on Hull’s part in the incident. Press Associationlast_img read more

England eye World Cup glory as New Zealand plot shock

first_imgEngland captain Eoin Morgan (left) is set to lead his side in the World Cup final against New ZealandLondon, United Kingdom | AFP |  Eoin Morgan’s England face New Zealand at Lord’s on Sunday desperate to win the World Cup for the first time after four years of hard graft.When England exited the 2015 tournament after an embarrassing defeat by Bangladesh, few tipped them as potential champions four years later.As captain Morgan put it: “If you had offered us the position to play in a final the day after we were knocked out of the 2015 World Cup, I would have laughed at you.”One person not laughing was Andrew Strauss, the former England director of cricket.Drafted into the newly created role, Strauss set about an overhaul that saw the former England captain appoint Australia’s Trevor Bayliss as coach, and place greater emphasis on white-ball cricket.The value of that work showed when England, now top of the one-day international rankings, thrashed reigning champions Australia by eight wickets in the semi-final at Edgbaston with the kind of performance that justified their billing as pre-tournament favourites.Pacemen Jofra Archer and Chris Woakes destroyed the top order, leg-spinner Adil Rashid chipped in and the dynamic duo of Jason Roy and Jonny Bairstow launched the run chase with another blistering century partnership.Australian World Cup-winning captain Steve Waugh said England could go down as one of the greatest teams in one-day international history if they win on Sunday.– “Fearless” cricket –But the challenge for the host nation, as they seek a first title in the 44-year history of the World Cup, is to embrace Sunday’s occasion at Lord’s without it inhibiting their “fearless” brand of cricket.“It’s the culmination of four years of hard work and dedication, a lot of planning and it presents a huge opportunity to go on and try and win a World Cup,” said Morgan. Back-to-back group-stage defeats by Sri Lanka and Australia effectively saw England playing knockout cricket before the semi-finals but they got their campaign back on track with impressive victories against India and New Zealand.“I think it has helped us because it’s lent itself to actually being more positive and aggressive and a bit smarter about how we play. It’s sort of been the last-chance saloon,” explained Morgan.New Zealand, who have also never won the World Cup, helped shock England into a change of approach by humiliating them in Wellington four years ago and cannot be underestimated after seeing off Virat Kohli’s India in the semi-finals.The 2015 losing finalists boast a well-balanced attack led by left-arm quick Trent Boult but their batting has been hugely reliant on captain Kane Williamson, who has scored 548 runs in the tournament at an outstanding average of 91.33, and Ross Taylor.Williamson said his side were happy to embrace their underdog status, acknowledging that England deserved to be favourites.“But whatever dog we are, it’s just important that we focus on the cricket that we want to play,” he said. “And we have seen over the years that anybody can beat anybody — regardless of breed of dog.”While some members of the home side were not even born when England made the last of three losing appearances in a World Cup final in 1992, the Black Caps have the experience of their heavy defeat by co-hosts Australia in the climax of the 2015 edition in Melbourne to call on.But there is a sense that England will never have a better chance.“I haven’t allowed myself to think about lifting the trophy,” said Morgan.“Cricket and sport in particular is very fickle. If you ever get ahead, it always seems to bite you in the backside. For us to win it, I think around the country it would be awesome, great for the game.”Share on: WhatsApplast_img read more

Mallard’s Team of the Week — Trafalgar Halloween 2013

first_imgThere was something a little out of the norm happening at Trafalgar Middle School Thursday as a bunch of scary characters showed up for class.It was a Halloween for the ages at the Uphill-based school.Mallard’s Source for sport would like to salute all the students who made Halloween 2013 at Trafalgar just a little more enjoyable with Team of the Week accolades.last_img

No Doubts Left: It’s Dinosaur Protein

first_imgMary Schweitzer’s team reports the most rigorous techniques yet to certify collagen in dinosaur bone. But will evolutionists finally give up their beloved millions of years?Since 2005 and even earlier, Dr. Mary Schweitzer of North Carolina State has boldly charged against fossilized dogma, proving the existence of soft tissue in dinosaur bones. She still believes they are millions of years old, but has faced criticism and (more often) silence from her stubborn, incredulous colleagues. This response hasn’t fazed her. If anything, it has stimulated her to prove she’s right. Now, the latest press release from NC State announces, “80-Million-Year-Old Dinosaur Collagen Confirmed.” Here’s their interpretation that rescues long ages by assertion:Utilizing the most rigorous testing methods to date, researchers from North Carolina State University have isolated additional collagen peptides from an 80-million-year-old Brachylophosaurus. The work lends further support to the idea that organic molecules can persist in specimens tens of millions of years longer than originally believed and has implications for our ability to study the fossil record on the molecular level.Brachylophosaurus was a mid-size hadrosaur, taller than a human. Before arguing whether it really is 80 million years old, it’s necessary to be absolutely certain that this is original soft tissue, not former tissue now turned into stone (‘permineralized’). Schweitzer’s team has already presented more than enough evidence in multiple papers since her notorious “60 Minutes” interview in 2010 that left the host gasping and Jack Horner dumbfounded (notice the response of the scientific community). Now she drives the last nail in the coffin of doubts.Schweitzer and her colleague, postdoc Elena Schroeter, collected this dinosaur sample from Montana for the purpose of confirming soft tissue. Here’s how they prepared the bone, and what they found inside:“We collected B. canadensis with molecular investigation in mind,” Schweitzer says. “We left a full meter of sediment around the fossil, used no glues or preservatives, and only exposed the bone in a clean, or aseptic, environment. The mass spectrometer that we used was cleared of contaminants prior to running the sample as well.”The sample material came from the specimen’s femur, or thigh bone. Using mass spectrometry, the team recovered eight peptide sequences of collagen I, including two that are identical to those recovered in 2009, and six that are new. The sequences show that the collagen I in B. canadensis has similarities with collagen I in both crocodylians and birds, a result we would expect for a hadrosaur, based on predictions made from previous skeletal studies.“We are confident that the results we obtained are not contamination and that this collagen is original to the specimen,” Schroeter says. “Not only did we replicate part of the 2009 results, thanks to improved methods and technology we did it with a smaller sample and over a shorter period of time.”That’s the bombshell. Now, what will be the aftermath among evolutionary paleontologists?“Our purpose here is to build a solid scientific foundation for other scientists to use to ask larger questions of the fossil record,” Schweitzer adds. “We’ve shown that it is possible for these molecules to preserve. Now, we can ask questions that go beyond dinosaur characteristics. For example, other researchers in other disciplines may find that asking why they preserve is important.”The carefully-worded statement betrays no commitments to age. Though fully aware of how young-earth creationists use her findings, she has never stated any doubts about millions of years. Suffice it to say that no paleontologist believed it was possible for original biological material to remain even a fraction of that time; upper limits were in the hundreds of thousands of years, maybe a million years max, but nobody, of course, has ever witnessed even those shorter ages. So what will evolutionists do? We predict two responses: (1) “Well, golly, I guess dinosaur tissue can last 80 million years! How ’bout that!” (2) “Now that we have dinosaur protein to study, it will shed light on evolution.”The paper is published in the Journal of Proteome Research.Update 1/29/17: The University of Texas at Austin describes exceptional preservation of early Jurassic marine fossils in Canada, including “soft body parts” said to be 183 million years old. The article does not make it clear whether original biomolecules are present, so we should assume they are permineralized impressions of soft parts pending further information. Still, the diversity and detail in these deposits is remarkable for animal remains buried 183 million Darwin Years ago.You may be wondering, how can smart people be so stubborn when faced with evidence this powerful? Never underestimate the dogmatism of evolutionists. For them, it’s not about following the evidence where it leads; it’s about maintaining a story.Compare this case with decades of evidence against the big bang. Bob Enyart maintains a richly-documented page “Evidence Against the Big Bang” and he just produced a lengthy, well-documented video by that title (highly recommended). In both resources, he shares 9 powerful empirical evidences against the big bang, undercuts the 3 leading “proofs” of the big bang (i.e., their widely-advertised “predictions”), and lays out the incredible fine-tuning of the universe that points to a Creator. He documents every point from the world’s leading journals, citing dozens of pro-big-bang scientists from Einstein to Lawrence Krauss. Impressive work for a radio host and pastor of a Bible church! He’s clearly done his homework. Enyart catches the cosmologists and reporters in contradictions and lies, repeating things they know are not true. Yet despite all this incontrovertible evidence that’s out there, big bangers doggedly maintain their narrative and foist it on the unwitting public. This has gone on for nearly a century. In other words, you can prove them wrong again and again with the best evidence, and they won’t give up.There’s too much at stake for any Darwinian moyboys to quit, even if they agree that these are original proteins from dinosaurs. Unrepentant sinners will go down with the ship rather than face the Creator every person knows is there (Romans 1:20). Their story that dinosaurs died 65 million years ago will live in infamy until all the DODO bigots and DOPE heads go extinct themselves. Our only hope is to reach children and young people not yet indoctrinated into the Grand Myth, and convince our friends and neighbors outside the Darwin Castle to stand strong against the Myth. We do that with facts, logic and persuasion. Strong evidence has power to influence anyone with an open mind and courage to follow it.(Visited 226 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Promoting Constitutional Awareness with Play Your Part Ambassador Sihle Ndaba

first_imgOne of Brand South Africa’s domestic campaigns is the promotion of constitutional awareness, especially targeted at the youth. As such last week Brand South Africa visited Katleho Mpumelelo High School, in the far South of Johannesburg to share information on constitutional awareness. Accompanied by Play Your Part Ambassador, Sihle Ndaba, a multitalented, activist and actress,  who gave great emphasis on the importance of young people knowing their rights and understanding what the country’s constitution has to offer.           “The Constitution is the supreme law of our country – that is why it is essential that we all familiarise ourselves with its contents. It’s our goal that young people know and exercise these rights”, said Sihle in her welcome address to the learners.          The activation was an opportunity to engage learners on what the 16 days of activism campaign is all about and how learners need to  speak up against any form of abuse or violence whether  at home or at school so that they can get help. This is their constitutional right.“These kinds of activations are very important especially towards the festive season to motivate young people to understand their rights and taking care of each other. We are all aware of the social ills that young people face and this was to say to them they are not alone, they have the constitution on their side but everyone has to play their part and be willing to help,”, said Brand South Africa’s Stakeholder Relations Manager Ms Toni Gumede.Follow @PlayYourPartSA #Inspiredbymyconstitution #GetInvolved  to find out which school will be next and also share your thoughts.About Play Your Part:Play Your Part is a nationwide programme created to inspire, empower and celebrate active citizenship in South Africa.  It aims to lift the spirit of our nation by inspiring all South Africans to contribute to positive change, become involved and start doing. A nation of people who care deeply for one another and the environment in which they live is good for everyone.Play Your Part is aimed at all South Africans – from corporates and individuals, NGOs and government, churches and schools, from the young to the not-so-young.  It aims to encourage South Africans to use some of their time, money, skills or goods to contribute to a better future for all.last_img read more

Nitish Kumar to expand Cabinet with JD(U) members

first_imgBihar Chief Minister Nitish Kumar is set to expand his Council of Ministers on Sunday with the likely induction off our new Ministers from the Janata Dal(U), party officials said on Saturday.Earlier, Mr. Kumar called on Governor Lalji Tandon amid reports that he would expand his government to fill four ministerial berths, including the vacancies created by three Ministers who had resigned after being elected to the Lok Sabha last month.One post fell vacant last year after Manju Verma resigned as Social Welfare Minister in connection with the Muzaffarpur shelter-home sexual abuse case.Mr. Kumar’s meeting with the Governor came a day after the JD(U) leader had made it clear that none of his party MPs would join Prime Minister Narendra Modi’s government in the future.The Cabinet expansion is likely to take place at 11 a.m. on Sunday at the Raj Bhavan, with four JD(U) leaders considered close to Mr. Kumar set to become Ministers, a party official said on condition of anonymity.With only 25 Ministers in the 243-member Assembly, the Ministry is below full strength.“There could be 11 more Ministers in the Cabinet but tomorrow only four are likely to take oath,” said a JD(U) leader, who declined to be identified.JD(U) leaders Ashok Chaudhury, Sanjay Jha, Ranju Geeta, Neeraj Kumar and Lallan Paswan are among the contenders widely tipped to become Ministers. However, no names from the State’s ruling alliance partner, the BJP, have come up as yet for possible inclusion.Miffed allyMr. Kumar is said to be upset with the BJP leadership for their offer of “symbolic representation” instead of “proportional representation” in the Union Ministry.“All along during the NDA government formation, even in State government, we have been following proportional representation,” Mr. Kumar told presspersons on Friday.Mr. Chaudhury, earlier a State Congress president and an education minister in the mahagathbandhan government, had joined the JD(U) after Mr. Kumar left the mahagathbandhan and joined hands with the BJP. Mr. Jha is considered close to Mr. Kumar and took oath as a party MLC about three days ago. Mr. Jha was said to have wanted to contest the Lok Sabha poll from Darbhanga but had to refrain from doing so as the seat had gone to the BJP under the NDA seat sharing pact.Ms. Geeta is JD(U) MLA from Bajpatti in Sitamarhi district and she is likely to be State’s next Social Welfare Minister.Party MLC and spokesperson Neeraj Kumar is said to be close to senior party leader Rajiv Ranjan Singh alias Lalan Singh who was recently elected to the Lok Sabha from Munger.Mr. Paswan had recently joined the JD(U) along with other Rashtriya Lok Samata Party (RLSP) leaders and had supported the chief minister in his political battle with the RLSP chief Upendra Kushwaha. “Lallan Paswan and Neeraj Kumar may be rewarded by ministerial berths this time for their continuous support to Nitish Kumar,” said a JD(U) leader, speaking on condition of anonymity.Earlier, three ministers including Mr. Singh and Dinesh Chandra Yadav of the JD(U) and Lok Janshakti Party State president Pashupati Kumar Paras had won Lok Sabha elections from Munger, Madhepura and Hajipur.last_img read more