How I’d invest £750 a month in a Stocks and Shares ISA to make a million

first_imgHow I’d invest £750 a month in a Stocks and Shares ISA to make a million Simply click below to discover how you can take advantage of this. Image source: Getty Images 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. “This Stock Could Be Like Buying Amazon in 1997” Our 6 ‘Best Buys Now’ Shares Making a million via a Stocks and Shares ISA continues to be a realistic prospect for many investors. Certainly, the near-term outlook for the stock market may be challenging due to economic difficulties. However, the long-term performance of the FTSE 350 is likely to include strong growth judging by its track record.Therefore, now could be the right time to start buying a diverse range of good value shares. Holding them for the long run could produce an ISA valued in excess of £1m.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…Investing money in good value sharesIt may be tempting for Stocks and Shares ISA investors to buy the cheapest or the fastest-growing shares. But obtaining a mix of these two qualities could be a sound means of generating high returns.Cheap shares with lacklustre financial prospects over the long run are unlikely to command higher valuations. Similarly, stocks with high earnings growth prospects that trade on excessively high valuations are also unlikely to offer scope for capital growth.As such, identifying companies with attractive long-term futures while they trade at fair prices could be a better idea. They may offer a more realistic opportunity to build a large nest egg versus cheap shares or growth shares that lack a margin of safety.Such a strategy has generally been profitable in the past. For example, investors such as Warren Buffett have used value investing to great effect to obtain higher returns than the wider stock market.Building a diverse Stocks and Shares ISASome Stocks and Shares ISA investors may simply purchase a handful of companies. They may determine that their best ideas are the only ones worth holding. However, this means they’re exposed to a significant amount of company-specific risk. This is where an individual business experiences a share price fall that has a large impact on a portfolio’s performance. This is because it represents a large proportion of its total holdings.Therefore, it’s important to diversify among a range of companies that operate in different regions and sectors. This can reduce the risk of loss. It will also improve returns through allowing an investor to capitalise on a broader range of opportunities.Making a millionEven if a Stocks and Shares ISA’s performance matches that of the stock market, it can become worth in excess of a million over the long run. For example, a £750 monthly investment that matches the FTSE 250’s 8% annual total returns over the past 20 years would be worth £1m in under 30 years.However, it’s possible to obtain a higher return than the stock market through building a portfolio of undervalued shares. Over time, they could produce high capital returns that reduce the period it takes to obtain an ISA valued in excess of £1m. 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. Enter Your Email Address 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! Peter Stephens | Thursday, 7th January, 2021 See all posts by Peter Stephenslast_img read more

"How I’d invest £750 a month in a Stocks and Shares ISA to make a million"

CBA study reveals how bakeries adapted during Covid-19

first_imgSource: Getty ImagesCraft bakeries have “innovated with great success” amid the coronavirus crisis, a survey by the Craft Bakers Association (CBA) has revealed. The survey, which saw 40 CBA members polled on how their business fared from the start of lockdown to June, found that 68% rolled out a takeaway service and 55% provided home delivery.For example, despite never having offered a home delivery service before, Manchester-based Slattery sent cream tea and afternoon tea boxes to local postcodes with 100 orders received every day in the first week of lockdown. This rose to 200 the following week and has levelled out around 10-15 a day now.In addition, 31% of respondents said their turnover had increased, while 14% of bakers said their turnover had remained stable since the onset.Whilst the recent pandemic has undoubtedly presented bakers with challenges, many have innovated with great success, the CBA said.“By offering new products and finding new ways to reach shoppers, bakers have shown great resilience in the face of the pandemic. The results of this survey underline our members’ capacity to innovate and create even in challenging times and point to a very positive future for the industry,” said chairman George Fuller.To adapt in a changing market, 45% of respondents added new items to their range at the start of the pandemic, while 33% reported making more product than usual.Daniel Carr of Warings Bakery in Reading extended his range with an afternoon tea box, which continues to do well, and relaunched popular recipes including dairy cream cakes, custard doughnuts and lemon curd filled doughnuts. The bakery also launched a home delivery service and website, which received 125 orders on launch day.last_img read more

"CBA study reveals how bakeries adapted during Covid-19"

3 strategies for small credit union success

first_imgSmall credit union executives wear a lot of hats. It keeps work interesting, but it can also involve being pulled in a lot of different directions. Small credit union CEOs need to be strong generalists; having working knowledge of regulation and compliance, lending, investment management, human resources, customer service, marketing, policy and more. In all of this mix, sometimes it is difficult to think about growth and long term success strategies. Here a few strategies for building a strong institution ready for growth.1.Partner: You can’t do it alone. Work closely with other institutions in the community on outreach, programming and financial education. Most credit unions offer some level of financial education to our members, but it is important to remember that many organizations really are thinking actively about the financial well-being of their communities. Your local political officials, non-profits, and religious institutions are thinking in some way about the financial health of the people they serve. Sometimes a conversation can spark some big ideas, and a strong partner can increase your impact. Don’t forget about outsourcing some tasks either. Yes, you could do the monthly member newsletter in addition to the underwriting loans. However, there are many skilled and talented consultants who can enhance your capacity without the need to hire a full time employee. To excel, your credit union sometimes needs to stop doing everything in house.2.Plan like you are big: It is ok to have big plans and goals as a small credit union. Growth starts somewhere. Clearly, there are capital and balance sheet constraints to growth. Not every growth plan can be completed and executed in a year, but plan for the big things. Start building bigger projects into your plans and you may be surprised how and where the resources appear to execute them, especially when they are top of mind. Put things in your budget, and figure out where and how to increase income to grow the revenue to execute the project. Don’t stay status quo.3.Participate: Leave time in your schedule to attend trainings, conferences and networking events more than once or twice a year. Learning enhances expertise and can improve operations. However, the value of getting to a conference and having a drink or dinner with industry peers or community partners cannot be overstated. It is easy to make excuses not to do these things in a pile of operational busyness, but these meetings are the key conversations that spark strategic thinking. Sometimes the informal sources of information are the most critical, leading to ideas, competitive knowledge and resources that are not otherwise accessible. Make sure you are getting out of your branch – as a small credit union leader, you are not just an office manager! You are the external face of your organization.And last but not least, don’t forget succession planning! One of the downfalls of small credit unions is the transition of a long term CEO. Some executives at small organizations almost entirely carry the weight of the organization. A lot of institutional knowledge and strategy is lost when a CEO with a long tenure leaves a small credit union. Be prepared for it – CEOs will want to leave or retire some day. If the goal is the longevity of the credit union, prepare for it far in advance. Give your credit union time to train a key employee into the role or comfortably prepare for a longer search. Running a small credit union is a unique role, and finding the right fit will take time. Small credit unions are vital financial institutions, and their success is important to their communities. It is possible to do well as a small institution, but it takes some thoughtful thinking! 98SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Sarah Marshall Sarah Marshall is a consultant in the credit union industry, and can be reached for partnership and speaking opportunities through Your Credit Union Partner. Her background in community development includes … Web: https://yourcupartner.org Detailslast_img read more

"3 strategies for small credit union success"

President-elect Joe Biden’s Covid advisors nix idea of U.S. lockdown to curb pandemic

first_img“I think of this as a dimmer switch, not an on-and-off light switch,” she said. “I think we need to close only those things that really are contributing to the spread, and really try to … as much as possible remain open, like schools, if they’re not contributing to the spread.”A handful of states and cities have started to implement tighter restrictions, including curfews, mask requirements and limits on group gatherings, ahead of the winter as scientists warn that the U.S. is entering what will likely be the “darkest days of the pandemic.”The U.S. has reported three consecutive days of record-breaking daily new Covid-19 cases, reaching a weekly average of 131,445 cases a day, according to a CNBC analysis of data compiled by Johns Hopkins University.Many infectious disease experts, including White House coronavirus advisor Dr. Anthony Fauci, have tried to distance themselves from the term “lockdown,” suggesting the U.S. doesn’t have to resort to the widespread stay-at-home orders it adopted in the spring when the coronavirus first hit U.S. shores.When it comes to lockdowns, Biden has previously said he would listen to suggestions from scientists such as Fauci. The Biden-Harris Covid-19 plan, however, calls for the Centers for Disease Control and Prevention to provide communities with evidence-based guidance on when to close some businesses or schools depending on the degree of viral spread.“I don’t think a full lockdown is necessary nor would it be useful,” Dr. Ashish Jha, dean of the Brown University School of Public Health, told CNBC’s “The News with Shepard Smith” on Thursday evening, saying he doesn’t agree with Osterholm’s call for a full lockdown.It would be beneficial to curtail some activities to wrestle coronavirus outbreaks, Jha said. Indoor dining at restaurants, gyms and casinos has become “a real problem,” though other activities, especially if they’re outside and people are wearing masks, can continue, he said.“A full lockdown is not what I would recommend at all,” Jha said. Osterholm later clarified his comments in an interview with NBC News, saying, “It was not a recommendation. I have never made this recommendation to Biden’s group. We’ve never talked about it.”A Biden transition official told NBC News that a shutdown “is not in line with the president-elect’s thinking.”Rather than adopting a comprehensive lockdown approach, Gounder told CNBC that state officials should focus on implementing tighter restrictions in regions of the country where there’s a high risk for the virus to spread, such as restaurants, bars and gyms, and aim to keep their schools open for students.- Advertisement – Two of President-elect Joe Biden’s coronavirus advisors pushed back Friday on the idea of a national lockdown to suppress the coronavirus pandemic.“As a group, really the consensus is that we need a more nuanced approach,” Dr. Celine Gounder, who sits on the panel and is an infectious disease specialist at the NYU Grossman School of Medicine, told CNBC’s “Squawk Box,” adding that it was “not the opinion” of the group to institute such widespread restrictions across the U.S. “We can be much more targeted geographically. We can also be more targeted in terms of what we close.”- Advertisement – – Advertisement – Dr. Vivek Murthy, a former U.S. surgeon general tapped to help lead the group, said national lockdowns were recommended in the spring when scientists didn’t know as much about how the disease spreads and people were less fatigued from the pandemic.“We’re not in a place where we’re saying, ‘Shut the whole country down,”‘ Murthy said in an interview with ABC’s “Good Morning America,” advocating for a more targeted approach. “If we don’t do that, what you’re going to find is that people will become even more fatigued, schools won’t be open to children and the economy will be hit harder.”Their comments come after another Covid-19 advisor to Biden, Dr. Michael Osterholm, who serves as director of the Center of Infectious Disease Research and Policy at the University of Minnesota, told Yahoo Finance in an interview Wednesday that shuttering businesses for four to six weeks while paying people for lost wages could help suppress cases and hospitalizations to a manageable level.- Advertisement –last_img read more

"President-elect Joe Biden’s Covid advisors nix idea of U.S. lockdown to curb pandemic"

Wellington Police Notes: Wednesday, May 18, 2016

first_imgWellington Police notes: Wednesday, May 18, 2016:•8:08 a.m. James L. Christy III, 35, Belle Plaine, was issued a notice to appear for expired registration.•11:25 a.m. Austin J. Dunn, 19, Wellington was issued a notice to appear for disobeyed stop sign.•11:45 a.m. Non-Injury, hit and run accident in the 500 block SW Lakeview Road, Wellington involving an unknown driver and a fixed object/cable barricade owned by the city of Wellington.•1:04 p.m. Officers investigated criminal damage to a lock in the 1200 block E. Harvey, Wellington.•1:18 p.m. Officers took a report of suspicious activity in the 1400 block E. Harvey, Wellington.•On May 15, 2016 at 4 p.m. Officers took a report of suspicious activity in the 200 block W. Harvey, Wellington.•On May 15, 2016 at 4 p.m. Officers took a report of suspicious activity in the 200 block W. Harvey, Wellington.•4:02 p.m. Non-Injury, hit and run accident in the 2000 block E. 16th, Wellington involving an unknown vehicle and a parked and unoccupied vehicle owned by Five Star Energy, Inc., Harper.•8:10 p.m. Officers investigated a theft of bicycles in the 800 block S. Washington, Wellington.•8:50 p.m. Roosevelt Griffin, 66, Wellington was issued a notice to appear for defective taillights and no proof of insurance.last_img read more

"Wellington Police Notes: Wednesday, May 18, 2016"

Solskjaer calls for Man Utd consistency after mini-revival

first_imgOle Gunnar SolskjaerLondon, United Kingdom | AFP | Ole Gunnar Solskjaer said Wednesday that he wants Manchester United to learn how to be consistent as his in-form team prepare for their Europa League clash with AZ Alkmaar.Group L leaders United have already qualified for the knockout stages of the competition going into Thursday’s match at Old Trafford, and they are up to fifth place in the Premier League after a run of five matches without defeat that included successive wins over Tottenham Hotspur and Manchester City.“Consistency is vital in football. If we want to win trophies this young team needs to learn how to put performances in when they don’t feel great,” said Solskjaer. “It doesn’t happen that you feel great every time you walk onto the pitch.“We have had some games this year where we have not been able to perform as well as we would like but that is a learning curve.“The young boys will improve that as well in the next few years and hopefully the rest of the year. We are looking brighter now.”Solskjaer’s side are one point ahead of surprise Dutch outfit Alkmaar and need a draw from their final group match to ensure top spot. “Results are the proof in the end. Inside we have always believed in what we are doing,” the Norwegian added.“I see these boys in training every single day. I see their skills and attitude so I’m not worried.”Solskjaer also condemned the alleged racist abuse aimed at United midfielders Fred and Jesse Lingard in their 2-1 derby win over City on Saturday, with the former also being hit by missiles as he went to take a second-half corner.A 41-year-old man was arrested on Sunday in connection with the allegations, before being bailed pending further investigation.“This isn’t how it should be in football but what we can do is go out onto the pitch next time and prove we are all equal,” said Solskjaer. “It has been a tough couple of days for Jesse and Fred.”Share on: WhatsApplast_img read more

"Solskjaer calls for Man Utd consistency after mini-revival"

Publix asking customers to stop panic-buying

first_imgPublix Pharmacy will also be open during that time. In a recent news release Publix said that they want customers to buy as they normally would instead of ‘panic-buying.’The supermarket said that its warehouses and distribution centers are working around the clock to get products to its stores and shelves restocked.Publix says their deliveries are made throughout the day and waiting early in line before stores open does not guarantee the availability of a product.Publix has temporarily adjusted store hours from 8 a.m. to 8 p.m. and it will allow senior shopping hours for customers 65 and up. Seniors can shop Tuesdays and Wednesdays from 7 a.m. to 8 a.m.last_img read more

"Publix asking customers to stop panic-buying"

Thurston County Public Health and Social Services Awarded $102,500 Grant To…

first_imgOLYMPIA — About two-dozen families in Thurston County will now get support to give their children a great start in life thanks to a recent round of awards from the states Home Visiting Services Account (HVSA).  Thurston County Public Health and Social Services was one of 10 grantees statewide. Over the next year, $102,500 will help Thurston County continue work with the Nurse Family Partnership (NFP) to bring proven outcomes such as improved health for pregnant women, fewer childhood injuries, and fewer subsequent pregnancies for families participating in the program.    NFP promotes long-term advantages for the community as well through increasing the mothers employment and the childs performance in school.Nurse-Family Partnership has three decades of evidence proving it makes an important difference in the lives of children, families, and communities. said Thurston County Commissioner Sandra Romero.  By helping first time moms learn how to be effective parents through ongoing support from public health nurses, Thurston County is investing in the next generation of residents who will have a positive impact on our countys future.Home visiting is a voluntary service in which nurses or other trained professionals meet with at-risk families in their homes and offer information and support related to healthy child and family development. In the Nurse Family Partnership program, these visits happen from once a week to once a month during pregnancy and can continue to a childs third birthday.  Evidence shows that when families receive this kind of support, their children are healthier, are less likely to suffer from abuse or neglect and are better prepared for school. In fact, the entire family benefits.Home visiting works, and the Home Visiting Services Account is committed to helping make sure more eligible familiesespecially families in some of our states most at-risk communitieshave access to it, said Nina Auerbach, president and CEO of Thrive by Five Washington, the states public-private partnership for early learning that administers the account. An early investment in families results in stronger families and, ultimately, stronger communities.Since it was created by the Washington state Legislature in 2010, the HVSA has become a national model for leveraging public and private funds to support home visiting programs and has helped Washington invest 10 times more than it did in home visiting just two years ago. As of July 1st, the HVSA has awarded nearly $4 million in grants to 31 evidence-based, research-based and promising home visiting programs serving about 1,000 families in 13 Washington counties. Facebook0Tweet0Pin0last_img read more

"Thurston County Public Health and Social Services Awarded $102,500 Grant To…"

Red Bank Schools Get Boost State Aid Boost

first_imgBy John Burton |RED BANK — The district Board of Education, local state legislators, parents and taxpayers have reason to be happy, with the recent announcement of additional state aid.Public school officials were recently notified the district will be receiving an additional $512,620 for the coming school year. The board of education formally voted to accept the money at its July 18 meeting.“It is good news,” said Board President Frederick Stone, “and we’ll be able to do some things that will be able to help our kids.”The money was made available in the Fiscal Year 2018 Appropriations Act – the state budget. The budget, according to state Department of Education press secretary David Saenz Jr., contains provisions to readjust state education funding distribution for districts that have been subject to underfunding in the past or to provide additional resources for enrollment growth, transportation and other areas.Red Bank school officials and its state legislators have long complained that the local public school district has been inadequately funded based upon the state’s own formula. According to Superintendent of Schools Jared Rumage, over the last six years the district has been underfunded by $4.2 to $7 million in uncapped state aid.Rumage noted state Sen. Jennifer Beck (R-11), who represents and lives in the borough, “has been fighting this battle for years now,” seeking funding equity for the district; state Assembly members Eric Houghtaling and Joann Downey, Democrats who have been in office for less than two years, “have jumped on board as of late,” showing their support, Rumage said.The legislators, along with Rumage, district staffers, board of education members and parents have taken to the streets — quite literally — traveling to Trenton to demonstrate at the state capital building and vent their frustration for Gov. Chris Christie and state lawmakers.“We were able to take our issue and involve other districts that face the same type of situation and make the case,” Beck said of their efforts for Red Bank and Freehold Borough, another underfunded school district in the senator’s legislative district. “And we successfully made that case.”“I don’t think there is any question it made a difference,” Rumage said about the optics and voices on this issue.The money is earmarked to hire additional staff, Rumage said, indicating the funds will allow the district to bring on six new employees, a combination of teachers and instructional aids for the 2017-18 school year.Whether this is a one-shot payment or whether it will be a reoccurring resource for the district, Rumage acknowledged,  “It’s hard to say.”Stone said, “I think that’s yet to be determined.”The superintendent said there will be a new governor and Legislature next year, so there’s always a question of what that could mean. However, Rumage and Stone are hopeful.“I believe it’s a step in the right direction for something that’s going to need to be a continuing conversation,” Rumage said.Beck is even more optimistic. “I believe we will see new revenue dedicated to grossly underfunded districts going forward,” she said.Up to this point, the superintendent explained, “We’ve been able to maintain the status quo for years without cutting.” However, he warned, “The issue is what we haven’t been able to add,” in the way of staff and programs.The district has been seeing a continuing increase in enrollment, straining staffing and facilities, he said, noting the district went from about 900 students in 2009 to approximately 1,400 currently.“There are still a lot of challenges,” Rumage said.Those challenges are why “Our focus is on securing additional school aid and working toward long-term solutions that give our local schools stability and security,” said Downey.This article was first published in the July 27 – Aug. 3, 2017 print edition of The Two River Times.last_img read more

"Red Bank Schools Get Boost State Aid Boost"

Bantam Reps blasts Revelstoke to finish third at Nelson Minor Hockey Rep Tournament

first_imgThe  Bantam Leafs were a little upset the team failed to qualify for the gold medal game during the annual Nelson Minor Hockey Bantam Rep tournament at the NDCC Arena.So the Leafs took it out on Revelstoke.Justin Podgorenko and Amit Bhabra each scored twice as Nelson blasted Revelstoke 7-1 in the bronze medal game Sunday.Matthew Brind’Amour, Sawyer Hunt and Micah May added singles as the host club scored early and often.Greg Markholm was in goal to register the win for Nelson.Nelson finished the preliminary round with a 2-0-1 record. Despite not playing Elk Valley, the East Kootenay squad finished ahead of the Leafs in the pool with three wins, advancing to the final against Creston.Elk Valley had no trouble capturing the championship, bouncing Creston 6-2.Nelson opened the tourney with a 4-0 shutout of Revelstoke. Nolan Percival, May, Bhabra and Brind’Amour scored for the winners.Jesse Beauvais earned the shutout for Nelson.The Reps then needed a late goal by Hunt to grab a 3-3 tie against Creston.Jacob Shukin and Percival also scored for Nelson in support of goalie Markholm.In the final game of a three-game Saturday, Nelson dumped Salmon Arm Silverbacks 4-1.Percival, Jayden Maida and Shukin, with a pair, scored for the Reps.Nelson travels to Westside near Kelowna for a tournament.The Reps face Kelowna, Nanaimo and Merritt in the preliminary round.REP NOTES: The Bantams were missing Nolan Renwick and Keaton Roch for the weekend due to injury. The coaching staff also saw star center Nolan Percival missed the playoff match due to [email protected]last_img read more

"Bantam Reps blasts Revelstoke to finish third at Nelson Minor Hockey Rep Tournament"