See all posts by Jonathan Smith I see my Stocks and Shares ISA as my main place where I’m trying to build my wealth. It’s easy for me to check and see the current valuation, and also is easy to regularly pay money into it each month. I like to try and keep all my shares here as it enables me to not pay capital gains tax on any profits I make. This makes is easier over time to build up a sizeable investment pot.Different factors to considerTo go about building a Stocks and Shares ISA worth £250k, I need to go about setting some parameters. An important one is the time period involved. A £250k aim in a few months is technically impossible. If I’m happy to wait for a decade or more, then it becomes a lot easier to try and model things around that. 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…Another factor I need to think about is how much I can afford to invest at the beginning, and then over time. The Stocks and Shares ISA has a subscription limit of £20k per year, so this is the maximum I can put in. But I don’t need to do this all in one go. Rather, I could invest just over £1,600 a month instead. If this is too much for me, then I don’t have to feel pressured to put in the full £20k a year. I don’t get penalized for not using the full allowance each year.The final parameter I want to think about is what risk tolerance I’m happy to take on. The general correlation is that a higher return comes with higher risk. So I could get to a Stocks and Shares ISA worth £250k quicker via higher risk growth stocks. Yet I might not feel comfortable with the high drawdowns or potential losses.A Stocks and Shares ISA worth £250kOnce I’ve got it clear in my head what parameters I’m happy to stick to, there are several ways I can go about making my investment pot grow.The quickest way would be to invest £20k at the start of each ISA season (in early April). This would allow the maximum time for that allocation in my Stocks and Shares ISA to grow each year. Within this, I’d look to invest in high growth stocks. Assuming an 8% annual growth rate, this would get me to my £250k goal after nine years. Another way would be to look to invest £1,000 a month into my ISA, with a blend of growth stocks and more conservative stocks. This would lower the annual return, and the lower investment amount would increase the time needed to reach £250k. The benefit here would be that my risk would be lower. Further, it would hurt my cash flow less each month by investing £1,000 instead of having to fork out a large lump sum.Finally, I could decide to build my Stocks and Shares ISA via income paying stocks. If I invested £1,000 a month into companies that offered a dividend yield of 5%, I could reinvest this income back into stocks. I could also hopefully benefit from some capital appreciation as well.No allocation fits everyone, but from considering a few examples I can see which one fits best for me. Enter Your Email Address 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. Simply click below to discover how you can take advantage of this. 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. 3 ways I’d aim to build a £250k investment pot using a Stocks and Shares ISA Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Our 6 ‘Best Buys Now’ Shares 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 “This Stock Could Be Like Buying Amazon in 1997” jonathansmith1 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. Jonathan Smith | Monday, 17th May, 2021 | More on: ^FTSE
Expand The Exeter Chiefs and England wing explains how… Collapse Sam Underhill: How to make a perfect tackle LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Jack Nowell: How to up your wing work-rate TAGS: Saracens Sam Underhill: How to make a perfect tackle Every month Rugby World features advice from professional players and coaches on specific skills. Follow Rugby World on Facebook, Instagram and Twitter. Talisman: Brad Barritt is a key figure in Saracens’ defensive structure (Getty Images) “When I tackle, I use the same leg and shoulder to get the most drive. Players need to be able to tackle with both shoulders, for safety and to be more reactive to a player stepping you. Rugby has also evolved. Teams now often commit two to the collision – one to target the legs and the second to target the ball, to rip it out or prevent an offload.”MORE SKILLS ADVICE… The Saracens centre explains how to be successful without the ball The Australia back offers tips on exploiting space… Matt Toomua: How to find space at centre Expand Brad Barritt: How to organise a defenceSaracens have long been famed for their ‘wolfpack’ defence and Brad Barritt, who won 26 caps for England, is often at the heart of it. Here the centre highlights the key ingredients for any successful defence…Teamwork“Key to a successful defence is unity, trust and communication amongst the three or four players around the tackle zone. You’re working in unison. The longer you play with people, the more instinctively you work together, whether to press up or down or move side to side. You need to stay connected and if you step out of the line, you must trust the guy inside you.”Technique“There’s only so much a side can do with the ball if your defence is watertight. A key attribute is executing the technical hit properly. That boils down to speed of ball and whether the opposition are on the front foot busting the gain-line. If you can keep them behind that, you can set your defence, have numbers on their feet and make an offensive shot.”Drive Matt Toomua: How to find space at centre The Bath and England flanker gives his top… Decisions“Decision-making around the breakdown is so important. Each decision has a repercussion in defence if you have one less tackler on his feet. It could be the difference between them having numbers for an overlap, or conceding through a soft tackle and offload.”This article originally appeared in the June 2018 edition of Rugby World magazine. Jack Nowell: How to up your wing work-rate
The Fundraising Standards Board (FRSB) has upheld a complaint about Direct Debit donor recruitment campaigns for the RSPCA and Battersea Dogs and Cats Home.The FRSB found that both charities, and their fundraising agency Fundraising Initiatives Ltd (FIL), had failed to comply with the Code of Fundraising Practice. The agency had been contracted to recruit donors for the charities who would give regularly via Direct Debit. The fundraising took place at several private sites, including supermarkets and shopping centres.The FRSB judged that:FIL had “misled site owners about the focus of its fundraising activities”RSPCA and Battersea had failed adequately to monitor the agency’s compliance with the Codeall three organisations had breached the Code by failing to comply with the requirements of fundraising sites, where owners had prohibited the collection of Direct Debit payments.ComplaintThe adjudication report follows a complaint from an individual that alleged that, between July and September 2015:neither charity had been adequately monitoring the agency’s delivery of their fundraising campaignsneither charity knew the specific locations where FIL was fundraising on their behalfFIL had not made the site owners aware or obtained necessary permission for securing Direct Debit donations.FIL fundraisers were not presenting the required solicitation statement to potential supporters.When the complainant was not satisfied with the charities’ initial response, he took it to the FRSB in September 2015.The FRSB was not able to judge the issue of whether the fundraisers would have completed the required solicitation statement because the complainant had not made a donation and the solicitation process had not been initiated. Nevertheless, the FRSB in its report underlined the importance for fundraisers to be fully briefed on the content of any solicitation statements. They should be able not only to deliver compliant fundraising pitches but also be able to answer more general questions about the campaign. Advertisement 179 total views, 1 views today 180 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis49 AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis49 Howard Lake | 28 July 2016 | News FRSB finds RSPCA and Battersea Dogs & Cats Home breached Fundraising Code in Direct Debit campaign What is a solicitation statement?A solicitation statement must, by law, be delivered by fundraisers whilst soliciting for donations from the public. Such a statement must name the fundraising agency in question, the name of the charity it is representing, the cost of the campaign (including the amount of remuneration given to the fundraising agency – in other words – the ‘notifiable amount’) and how that ‘notifiable amount’ has been calculated.ResultsIn October 2015, one month after the complaint was raised with the FRSB, FIL went into administration and the agency ceased trading.The FRSB acknowledges in its report that “significant remedial action” has been taken by both the RSPCA and Battersea to address the shortcomings identified in this case.This was one of the last adjudication rulings to be published by the Fundraising Standards Board, which has now been replaced by the Fundraising Regulator. The report has been passed to the Regulator, which took responsibility for regulating charity fundraising on 7 July 2016.Stephen Dunmore, CEO of the Fundraising Regulator, commented on the report, saying:“This adjudication report identifies once again the need for charities to monitor closely the compliance of their fundraising agencies with the Code of Fundraising Practice and to comply with the requirements in relation to site-specific fundraising. Effective monitoring of third parties is essential if donors are to be treated with respect and provided with the information necessary to make informed choices.“The Fundraising Regulator is considering what further actions need to be taken arising from the report’s findings and recommendations.”The adjudication report is available for download from the FRSB’s website. Tagged with: direct debit Fundraising Regulator Fundraising Standards Board regulation 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.
Pride marchers in Syracuse, N.Y., June 19. Houston Detroit Vigils and other events to mourn the slain martyrs of Orlando have occurred since June 12 and are continuing to take place in cities large and small across the United States as well as in other countries. Here are two reports from WW correspondents Martha Grevatt in Detroit and Gloria Rubac in Houston.Metro Detroit has held several vigils, in different parts of the city and suburbs, to express grief and rage over the Orlando massacre. The largest was held June 14 inside and outside the LGBTQ community center, Affirmations. While the capacity crowd of 350 listened to speakers inside the center, another 300 who could not get in gathered outside. Between long periods of mournful silence, those outside sang the Civil Rights song “We Shall Overcome” and, towards the end, chanted, “We are all Orlando! Bigotry has got to go!” Activists from the Michigan Emergency Committee Against War and Injustice held signs that read “No to anti-LGBTQ bigotry! No to Islamophobia!” Vigil attendees, one after another, complimented and took cellphone pictures of the signs.As soon as word of the Orlando murders hit Houston, people were at City Hall for a vigil. There were also thousands at a vigil at South Beach, an LGBTQ nightclub, as well as large crowds at the Montrose Community Center, at Resurrection Community Church and at another candlelight vigil at City Hall. Houston’s African-American mayor Sylvester Turner spoke at most of the events, saying the city of Houston will not tolerate anti-gay violence. City Hall will be lit up in the colors of the LGBTQ rainbow for the month of June.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
Google+ Pinterest Gardai continue to investigate Kilmacrennan fire Facebook Facebook Further drop in people receiving PUP in Donegal RELATED ARTICLESMORE FROM AUTHOR WhatsApp Google+ By News Highland – May 20, 2014 Breakdown of Donegal County Councils budget spending released News Twitter WhatsApp The independent think tank Publicpolicy.ie has published a new interactive website dedicated to local authority finances.Using figures from council budgets agreed at the beginning of the year, localauthorityfinances.com provides a per-capita breakdown of every euro being spent by the 31 local councils across the country this year.In Donegal, €138.6m will be spent in 2014, amounting to €860 per person.According to the data which has been collated by publicpolicy.ie, this year will see just over €208 per person spent on on maintaining Donegal’s road network, 27% of total spending.Almost €8 per person on Local Representatives’ salaries and expenses, 72c per person on unfinished housing estates, and just over €19 on educational support services.Almost €132 was budgetted for the supply of drinking water, a function which has now been taken over by Irish Water.Overall, Donegal County Council spends roughly the same per person as the national average, although it spends comparatively less on Housing, Environmental Services and Amenities, and comparatively more on Roads, Water and Economic Development. Man arrested on suspicion of drugs and criminal property offences in Derry 75 positive cases of Covid confirmed in North 365 additional cases of Covid-19 in Republic Main Evening News, Sport and Obituaries Tuesday May 25th Twitter Pinterest Previous articleProcess to replace Eamon Gilmore as Labour leader begins todayNext articleDonegal businesses to travel to Scotland for renewable energy conference News Highland
News UpdatesKerala HC To Conduct Hearings During Summer Vacation Via Video Conferencing; Prescribes Procedure For E-Filing [Read Notifications] LIVELAW NEWS NETWORK13 April 2020 6:51 AMShare This – xThe Kerala High Court has announced that it will sit through the midsummer vacation, 2020 and will hear urgent cases via Video Conferencing. The vacation sitting of the Court will be as per the High Court Notification dated April 7, subject to the modification that the Single Judges hearing Bail and Writ Petitions may hold sittings from Monday to Friday, if so required. The High…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Kerala High Court has announced that it will sit through the midsummer vacation, 2020 and will hear urgent cases via Video Conferencing. The vacation sitting of the Court will be as per the High Court Notification dated April 7, subject to the modification that the Single Judges hearing Bail and Writ Petitions may hold sittings from Monday to Friday, if so required. The High Court has also issued detailed guidelines to be followed during e-filing and video conferencing. Filing Procedure All petitions, applications, etc. will be sent to the Registry via email with a memo stating reasons for the urgent hearing. A copy will also be sent to the State Government or Central Government wherever applicable.The email shall be sent between 9 AM and 12 PM only, on all working days from Monday to Friday. Any case filed beyond this time will not be entertained by the Registry and will stand discarded.The filings will contain an undertaking given by the Counsel to the effect that he will produce the physical copies of the documents, along with necessary fees and charges applicable, when the court registry resumes its normal functioning;All petitions and annexure/exhibits shall be sent as a single PDF document. Additionally, the head note as prescribed will be separately sent as a Word document. The PDF document containing the entire pleadings, and the word document containing the head note, will be sent in a single email. Multiple emails will not be accepted.The Counsel will also fill up the details of the individual case in the prescribed format in soft copy (A4 size paper) and forward the same to the Registry in word/ open-office/rich text format. The High Court has cautioned that in case the above stipulations are not followed, the Registry will treat the case as defective. With regard to Video Conferencing, the court has asked all participants to refrain from using any recording device to record the proceedings and strict action may be taken against those who publish or share Court proceedings without the written permission from the registry. Further, formal attire and other courtroom etiquettes have to be ensured at all times. Read Notifications Next Story
This week’s news in briefSecond class cuts Consignia is to shed a further 17,000 jobs after announcing yearly losses ofmore than £1bn. The troubled firm, currently losing £1.2m a day, is to slash30,000 jobs over the next three years to try and return the company toprofitability. Most are due to plans to scrap the second post. www.consignia.comTUC’s stress law call The TUC is calling on the European Parliament to introduce new laws onstress and RSI in the workplace. It wants to see a set of Europe-wide targetsfor the reduction of workplace injuries, illnesses and sickness absence. Unionofficials are also scathing about the 80 per cent reduction in specialist staffat the EU that has left just 24 people running the health and safety system forthe whole of Europe. www.tuc.org.ukHeads do not know Headteachers often don’t realise how much they are spending on recruitingteachers, research reveals. A survey by Select Education Permanent finds morethan 40 per cent had placed three or more adverts for the last teaching jobthey tried to fill, with one-fifth spending more than £500 per advert. However,45 per cent of respondents did not know how much the whole process cost. www.selecteducation.co.ukCar cash alternative More than half of all companies now offer eligible employees the choicebetween a company car or cash allowance, according to research. A survey of 700companies by consultants Watson Wyatt shows that 57 per cent of firms now offera cash alternative to a company car, compared to 46 per cent in 2000 and 38 percent in ’98. www.watsonwyatt.comSector skill initiative The Sector Skills Development Agency has launched a new campaign toencourage employers to become involved in the Sector Skills Councils. TheGovernment agency is hoping to raise awareness of SSCs among HR, training andbusiness leaders through the six-week advertising blitz. www.ssda.org.uk Comments are closed. Related posts:No related photos. Previous Article Next Article … in briefOn 18 Jun 2002 in Personnel Today
Written by FacebookTwitterLinkedInEmailiStock/Thinkstock(NEW YORK) — Here are the scores from yesterday’s sports events: INTERLEAGUE Final Colorado 4 Seattle 3 Final Oakland 6 San Francisco 2 Final L-A Dodgers 5 L-A Angels 3 AMERICAN LEAGUE Final Baltimore 6 Texas 5 Final Boston 5 Toronto 2 Final Cleveland 5 N-Y Yankees 2 Final Detroit 6 Houston 3 Final Minnesota 11 Tampa Bay 7, 10 Innings Final Chi White Sox 10 Kansas City 1 NATIONAL LEAGUE Final Washington 6 N-Y Mets 1 Final Miami 10 Philadelphia 5 Final Atlanta 5 Arizona 1 Final Pittsburgh 7 Milwaukee 6, 10 Innings Final St. Louis 6 Cincinnati 4 Final Chi Cubs 7 San Diego 4Copyright © 2018, ABC Radio. All rights reserved. Beau Lund July 16, 2018 /Sports News – National Scoreboard roundup — 7/15/18
THOUGHTS FOR THE HOLIDAYSBy Peter FuntThe confluence of Easter and Passover at mid-month will find many people, stressed more than usual by the state of world affairs and the chaos of domestic politics, seeking answers from their faith.It’s hard to imagine anyone on the world stage more gifted at articulating a course for humanity than Pope Francis. Beyond his responsibilities as leader of the Catholic Church, the Pope, at age 80, has become a beacon of common sense, most emphatically in his devotion to the economically disenfranchised.“The world tells us to seek success, power and money,” he observes. “God tells us to seek humility, service and love.”His words are powerful, even for those like myself who are not Catholic.During the four years of his Papacy he has boldly directed many of his remarks at governments and world leaders in addressing the needs of a troubled planet.Here are my favorite statements by Pope Francis:– “The measure of the greatness of a society is found in the way it treats those most in need, those who have nothing apart from their poverty.”– “Responsibility for the poor and the marginalized must be an essential element of any political decision, whether on the national or the international level.”– “Working for a just distribution of the fruits of the earth and human labor is not mere philanthropy. It is a moral obligation.”– “Everything is connected. Concern for the environment thus needs to be joined to a sincere love for our fellow human beings and an unwavering commitment to resolving the problems of society.”– “Climate change is a global problem with grave implications: environmental, social, economic, political and for the distribution of goods. It represents one of the principal challenges facing humanity in our day.”– “A person who thinks only about building walls, wherever they may be, and not building bridges, is not Christian.”– “The problem of intolerance should be dealt with as a whole. Every time a minority is persecuted and marginalized, the good of the whole society is in danger.”– “Migrants and refugees are not pawns on the chessboard of humanity.”– “To change the world we must be good to those who cannot repay us.”A few weeks ago, the Pope spoke about encountering beggars on the street. “There are many excuses” to justify not giving them money, he noted. Perhaps it will be spent on alcohol or drugs.But giving something to someone in need “is always right,” he explained. And looking them in the eyes and touching their hands must be the way one reaches out to a person asking for help.Study people’s faces as you go along the street, the Pope has advised. Too many are worried, closed in, a smile is missing, tenderness is missing. In an era of social media, true social friendship is missing.And here is my favorite quote from Pope Francis. Perhaps you, too, will consider it as food for thought at your holiday table.– “You pray for the hungry. Then you feed them. That’s how prayer works.”FacebookTwitterCopy LinkEmail
Canada’s market leader in industrial baking is tipped to be pushing further into the UK with the purchase of Walsall’s Harvestime (2005) bakery.Industry giant Maple Leaf Foods, which operates Canada Bread and owns the New York Bagel brand, is understood to have entered negotiations with administrators last week.It is now in the process of completing due diligence on the site, where it would be likely to produce bake-off lines and discontinue plant bread, industry sources told British Baker. Its lawyers are believed to be working round the clock to finalise a bid by a deadline of today.Maple Leaf is believed to be competing against a second potential buyer, former New Rathbones director Jonathan Price. He is believed to have been negotiating with administrators and the site’s landlord over terms of the lease for the past few weeks. Both buyers have been given until today (March 24) to complete on the deal.Maple Leaf Foods has already established three New York Bagel Company sites in the UK – in Rotherham, Southend and Cumbria – which employ 260 people. It closed its Peterborough site last year.Maple Leaf Food’s Canada Bread subsiduary is a leading manufacturer and marketer of value-added flour-based products and its range includes fresh bread, rolls, bagels and sweet goods, frozen par-baked breads and bagels, and specialty pasta and sauces. Canada Bread employs more than 7,000 people in the United States, Canada and the UK.