See all posts by Peter Stephens Simply click below to discover how you can take advantage of this. Enter Your Email Address The days of saving money to make a worthwhile passive income in retirement appear to be over. The Bank of England’s decision to lower interest rates to almost zero means cash savings accounts are likely to offer a negative return after inflation has been factored in. This could mean savers experience a loss in spending power that reduces their financial freedom in older age.Therefore, investing money regularly in UK shares, rather than in cash savings, could be a sound move over the coming years. They offer significantly higher return prospects, and could be a means of obtaining a generous income in retirement.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 in UK shares to make a passive incomeThe difference in passive income from investing money in UK shares versus cash savings accounts is perhaps best served by an example. At the present time, it’s difficult to obtain an easy-access savings account that provides a return of more than 1%. On a weekly savings of £50, a 1% annual return means that a total nest egg of around £90,000 would be produced over a 30-year time period.By contrast, the FTSE 100 has produced an annual total return of around 8% since its inception in 1984. Assuming the same return in future on a £50 weekly investment would mean a nest egg of £325,000 over a 30-year period. That’s an impressive 3.6 times higher than the amount under the cash savings scenario. And, with a 4% withdrawal being the norm within a retirement portfolio invested in stocks, a passive income of £13,000 could be enjoyed in older age.Of course, the above examples assume that UK shares produce the same returns in future as they have done in the past. They also assume that interest rates don’t rise in the future, which they could do. However, it serves to show that buying FTSE 100 stocks is likely to be a better means of making a passive income in retirement versus cash savings.Buying opportunities for the stock market rallyWhile UK shares have made gains in recent weeks, it’s still possible to buy cheap stocks to make a passive income in retirement. Companies such as Barclays, Sainsbury’s and Barratt continue to trade at low price levels that may undervalue their long-term prospects.Similarly, over the long run, companies such as Whitbread, Aviva and Land Securities are likely to experience improving operating conditions. And that could stimulate their profitability. This may mean they can command higher valuations. Especially as investor sentiment improves following the 2020 stock market crash.As such, now could be the right time to avoid saving money through a cash savings account for retirement. UK shares could offer superior returns that ultimately lead to a larger nest egg. And also a more attractive passive income in older age. “This Stock Could Be Like Buying Amazon in 1997” 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’ Shares 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. Peter Stephens | Wednesday, 9th December, 2020 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Don’t ‘save’ for retirement! I’d invest £50 a week in UK shares to make a £13,000 passive income Peter Stephens owns shares of Aviva, Barclays, Barratt Developments, Landsec, and Whitbread. The Motley Fool UK has recommended Barclays and Landsec. 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. Image source: Getty Images.
If I could only invest in one banking stock, I would buy Lloyds shares Jamie Adams | Tuesday, 11th May, 2021 | More on: LLOY Image: Lloyds Banking Group Lloyds Banking Group (LSE: LLOY) has been on many investors’ minds in recent weeks. Despite concerns that Lloyds’ final dividend payment would cause volatility, the banking group’s share price continues to rise. In fact, shares in Lloyds have risen almost 60% in the past year, from 30p to 48p. With that in mind, it’s still one of the first banking stocks I’d buy right now.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…Lloyds Banking Group’s financialsLloyds Banking Group is the archetypal high street bank. It makes its money through retail and commercial banking, investments, and long-term savings, like most of its competitors.Why am I so bullish about it though? After all, Lloyds had a poor 2020. Profits fell 70% year-on-year to £1.2bn due to ultra-low interest rates and lower spending — just two of the many consequences of Covid-19.But there was a lot to be optimistic about. For the quarter ending September 30 2020, Lloyds held more than £200bn in reserves, a 30% increase year-on-year. Its tier 1 capital ratio — the ratio of Lloyds’ total equity capital to its total risk-weighted assets — was a healthy 15.2% at the end of its last fiscal year.A rising Lloyds share price At its Q1 earnings call in late April, profits were well above estimates. Underlying profits hit £2.1bn, well above the £74m it reported in the same period last year when loan loss charges almost wiped out earnings.Lloyds also showed its confidence by releasing £323m from a cash pile that was originally intended to cover bad debts in Q1 this year. This was a stark contrast to the £1.4bn charge it took in Q1 2020 and signals subtle confidence that the UK economy will recover well amid ongoing vaccination success.Not only that, but these are all strong signs that Lloyds is returning to some kind of pre-Covid normality. I also believe that pent-up wanderlust will lead to a rise in holiday and other loans as the British public seeks to truly shake off the shackles of lockdown. Risks to Lloyds’ share priceBut while the bank’s close-knit relationship with the UK economy is positive for now, that could quickly turn. The global economy as a whole has been devastated by Covid-19, with the recovery expected to be long and arduous. The UK is no exception, and should there be a wave of vaccine-resistant Covid-19, then Lloyds could be back with the issues it faced in 2020. What’s more, uncertainties around whether the company will pay a dividend in 2021 are still fresh in investors’ minds. Due to Covid-related Bank of England regulations, the company was forced to set an ex-dividend date (the day on which all shares bought no longer come with the right to be paid) of April 15, with a final payment to come on 25 May. However, as soon as these restrictions are lifted, Lloyds has stated its intention to resume its pre-Covid dividend policy. The only question now is ‘when’ this will happen.Lloyds’ growth potentialLloyds is still among the top banks in the UK. It has come through a tough 2020 with plans to expand its small business offering as well as its focus on larger corporate clients. This will reduce its overexposure to loans and interest rates, and could create new avenues to grow profits. I believe that it is an exciting time to buy shares in this bank. 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. Simply click below to discover how you can take advantage of this. Enter Your Email Address Jamie Adams has no position in Lloyds Banking Group. The Motley Fool UK has recommended Lloyds Banking Group. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! “This Stock Could Be Like Buying Amazon in 1997” Our 6 ‘Best Buys Now’ Shares 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. See all posts by Jamie Adams
TAGSAAAdistracted driving Previous articleDemings details 2020 budget in HouseNext articleFlorida lawmaker refiles 2019 bill to allow governments to post legal notices online Denise Connell RELATED ARTICLESMORE FROM AUTHOR The Anatomy of Fear Share on Facebook Tweet on Twitter You have entered an incorrect email address! Please enter your email address here Save my name, email, and website in this browser for the next time I comment. Please enter your name here LEAVE A REPLY Cancel reply From AAADrivers with experience using advanced driver assistance systems (ADAS) like adaptive cruise control and lane-keeping assist, were nearly twice as likely to engage in distracted driving while using the systems compared to when they were driving without the systems, according to new research from the AAA Foundation for Traffic Safety.Alternatively, drivers with less experience and familiarity using the technology were less likely to drive while distracted with systems activated compared to when systems were not in use. AAA wants drivers to remember that while new driver assistance technologies offer important benefits, drivers must remain active and engaged when behind the wheel to maximize safety.“This new research suggests that as drivers gain more experience using ADAS technology, they could develop complacency while behind the wheel,” said Mark Jenkins, spokesman, AAA – The Auto Club Group. “Overreliance on these systems can put drivers and others in dangerous conditions during critical moments.”Researchers at the AAA Foundation collaborated with Virginia Tech Transportation Institute to analyze video of on-road behaviors for two groups of drivers using advanced driver assistance technology. Individuals in one group owned a vehicle equipped with ADAS and had more experience using the systems while drivers in the other group were given a vehicle equipped with ADAS to use during the 4-week study period and had less experience with the technology.The research found that drivers who owned their vehicles – and therefore had more familiarity with ADAS technology — were more likely to drive distracted when these systems were active than when they were not. For example, some observed distracted driving behaviors included texting or adjusting the radio. Meanwhile, drivers with less experience using the technologies were more likely to remain attentive and engaged while the systems were engaged.Virginia Tech researchers theorize that drivers move through different phases tied to experience using ADAS. First timers start in a novelty phase where they learn and test the technology. These drivers are less inclined to trust the system’s function and reliability, so they remain active and engaged while driving. Eventually, drivers reach an experienced user phase where overreliance and too much trust in the systems becomes more common. These drivers are more apt to take their eyes and attention away from the road. Research in other industries shows that pilots and nuclear technicians demonstrate similar patterns of over-reliance on automated systems. These behaviors can eventually lead to distraction.“Advanced driver assistance technologies have a lot to offer in terms of comfort and safety, but they should never replace an attentive and engaged driver,” said Jenkins. “Remember, technology fails us daily while at work and at home. So, don’t get caught driving distracted when being focused on the road can save your life.”AAA offers three simple steps for how to ACE your next vehicle rental or purchase:Always remain active and engaged when using ADAS technologies like lane-keep assist or adaptive cruise control.Commit to knowing what ADAS technologies are installed on your vehicle and how they work.Expect that the advanced driver assistance technologies in your vehicle have limitations. Please enter your comment! Support conservation and fish with NEW Florida specialty license plate Free webinar for job seekers on best interview answers, hosted by Goodwill June 11
Projects Family Villa in Giruliai / DO ArchitectsSave this projectSaveFamily Villa in Giruliai / DO Architects Architects: DO Architects Area Area of this architecture project Lithuania “COPY” Photographs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/940659/family-villa-in-giruliai-do-architects Clipboard ArchDaily Area: 567 m² Year Completion year of this architecture project CopyAbout this officeDO ArchitectsOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesResidential ArchitectureOn FacebookGiruliaiLithuaniaPublished on June 01, 2020Cite: “Family Villa in Giruliai / DO Architects” 01 Jun 2020. ArchDaily. Accessed 10 Jun 2021.
AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Henry Smith charity invests £500,000 in CAF Venturesome’s Development Fund Tagged with: Charities Aid Foundation Finance Funding Howard Lake | 12 October 2010 | News 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. Anti-poverty grantmaker the Henry Smith Charity has invested £500,000 in the Development Fund of CAF Venturesome, with the aim of making this financing option for building capacity available to more charities.Other charitable grantmakers, including The Esmée Fairbairn Foundation and The Tudor Trust, have already invested in CAF Venturesome.Richard Hopgood, Chief Executive at the Henry Smith Charity said: @Working with CAF Venturesome complements our grant-making programme, and we are delighted to be investing in this innovative approach. We hope that many charities will benefit from the increased capacity of the Fund.”Launched in 2002 by Charities Aid Foundation as its social investment fund, CAF Venturesome provides bridging finance and development capital to charities and social enterprises. So far it has committed more than £18 million to over 250 organisations.www.venturesome.org 31 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis
Advertisement Tagged with: Charity Website Individual giving Research / statistics Melanie May | 18 June 2020 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis2 Donations via charity websites surged to tenfold in value during first weeks of lockdown About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. 476 total views, 2 views today 477 total views, 3 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis2 Donations made via charities’ own websites rose tenfold in value during first weeks of lockdown, according to data from The Access Group.Access examined one-off donations made via the donation pages of 423 small and medium sized charities’ websites between January and May this year and compared these with the same months in 2019.The data reveals that that more than twice the value of online donations were made as during the same period last year and, at some points during lockdown, this increase was ten-fold. The significant increase in donations began in mid-March 2020 – at the start of lockdown. It continued to increase into April 2020, where levels of donations hit over 10 times their normal amount.Month by month, donations increased by 36% and 24% respectively in January and February, compared to the same period in 2019. They then rose by 112% and 304% in March and April compared to the same months in 2019. Online donations then decreased into May 2020, but charities still experienced donations twice that of 2019 on a weekly rolling average.Of the charities with the largest amounts raised, half of the top ten are hospital/hospice related. However, according to Access’s data, causes across the board experienced a major uplift.Simon Baines, Managing Director, Not for Profit at The Access Group, said:“What’s clear from our data is that those charities ready with websites set up for online giving were one step ahead. They were able to react quickly with their calls for support, ultimately benefitting from the public’s sentiment to give during lockdown.“This highlights just how crucial it is for charities to have a strong presence online, in both their websites and their use of digital engagement with supporters. Charities behind the curve may have missed out and it’s all the more important now that those charities give focus to their digital transformation to be able to compete. It’s about making it as easy as possible for the public to give so that charities can achieve more.”The Access Group’s latest data forms part of its wider research and guidance into the topic of digital transformation for charities. This includes a new free downloadable guide to help charities with their digital transformation.
An image based on the photograph ‘Forever Holding Hands’, which formed part of the National Portrait Gallery’s Hold Still exhibition, is raising funds for NHS Charities Together.The photograph is of elderly couple Pat and Ron Wood, who spent their last days holding hands in hospital after contracting Covid-19. After the couple’s granddaughter commissioned Worthing artists Stella and Gem Stevens to recreate the photo, the artists offered to paint the image for free suggesting instead that it was used to raise funds for the NHS.NHS Charities Together plans to use some of the funds raised to purchase electronic tablets to enable vulnerable patients, families and carers to connect with one another, plus provide bereavement support for families who lost loved ones; and counselling for staff to support their mental health. Melanie May | 8 February 2021 | News 156 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Granddaughter Hayley Evans said:“We were so lucky that we could Facetime my grandparents when they were in hospital and they said how comforting it was to see us. However we know many people are not able to and feel so isolated. Some of the donations to the Appeal will go towards the purchase of electronic tablets, which will help others less fortunate. I saw my grandparents once in hospital, which is when I took the photograph through a visor. It was the last time I ever saw them.”The original photo was submitted along with over 31,000 others to the National Portrait Gallery to capture the spirit of the UK during the first national lockdown. Called ‘’Forever Holding Hands”, it was one of the 100 final images selected by the judges and forms part of the Hold Still online exhibition.A print of the original art will be given to Hayley, with the original presented to Worthing Hospital where Ron and Pat were cared for. People can donate online. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Painting based on ‘Forever Holding Hands’ photo to raise funds for NHS charities Advertisement About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com.
Facebook Twitter Home Commentary Commentary: Crop Insurance vs Flood Insurance By Gary Truitt – Sep 11, 2017 SHARE SHARE For the past two weeks, we have been seeing the devastation in Texas and now in Florida caused by two massive Hurricanes. Over 40 inches of rain produced unprecedented flooding in Texas and a massive storm surge sent the Atlantic Ocean sweeping over the coastlines of Florida. The House has already passed a Hurricane aid bill, and outlays from the federally subsidized flood insurance program will skyrocket. While Washington falls all over itself to throw federal aid to devastated areas ahead of the mid-term elections, calls for crippling the crop insurance program will continue.Both the Obama and Trump administrations have tried to cut funding for the crop insurance program. For some reason, the idea of the federal government partnering with farmers to share the risk of producing our food supply is abhorrent to bureaucrats and some lawmakers. Yet, paying to rebuild homes built in flood plains is okay. While the crop insurance program is a well-run public/private partnership that, in most years, actually returns a profit to the government, the federal flood insurance program is a massive political boondoggle that costs the U.S. treasury billions of dollars. However, the concept behind both programs is the same.Planting a crop is a risky venture. A flood, drought, hail, or other weather calamity can wipe out a crop in a matter of hours or prevent the crop from being planted in the first place. Adverse market conditions can eliminate an entire year’s worth of revenue for a farming operation. Both the farmer and the government pay a portion of an insurance premium to protect against these risks, because both have a vested interest in that crop being produced.Building a home on the shores of the ocean or in a designated flood plain is also risky. The premiums to cover the cost of insuring such property are rather high. So the government subsidizes the costs for homeowners. Now exactly what interest the government has in seaside homes escapes me, but, nevertheless, since the mid-1960s Uncle Sam has been helping these homeowners insure their homes against floods.Almost every time an agricultural appropriations bill comes before Congress, there are calls for cutting funding for crop insurance. Yet, efforts to reform the flood insurance program are rare. A reform package was passed two years ago which resulted in a rather significant hike in flood insurance rates. The caterwauling from seaside homeowners was so loud that Congress rescinded the reforms and lowered the rates.Critics of crop insurance point out that some farmers plant crops in high risk areas just to collect the insurance. While there may be some truth to this, likewise, homeowners rebuild in high risk areas time after time. Investigations have shown that federal flood insurance has paid to rebuild some homes — in the same spot — several dozen times. There has been legislation proposed that would limit the participation of larger farming operation in the crop insurance program. However, no such limitations have been proposed for multi-million dollar homes built along the Texas, California, or Florida coastlines. Statistics show that the vast majority of flood insurance payouts have rebuilt high-priced real estate.If Congress is unwilling to reduce or reform the federal flood insurance program, it should keep its hands off the crop insurance program.By Gary Truitt Previous articleGMO-Free Labeling Fear BasedNext articleBower Trading Market Strategy Report: Early Yields Setting Market Direction Gary Truitt Commentary: Crop Insurance vs Flood Insurance Facebook Twitter
WhatsApp Pinterest Google+ Facebook Nine til Noon Show – Listen back to Monday’s Programme Reopening of hospitality in North will lead to virus surge – Dr McCauley News, Sport and Obituaries on Monday May 24th By News Highland – April 23, 2021 Google+ WhatsApp Facebook Loganair’s new Derry – Liverpool air service takes off from CODA Pinterest Previous articleFAI wish Ruaidhri Higgins well with Derry City roleNext articleUlster GAA confirm Championship weekends News Highland A Donegal doctor fears the reopening of the hospitality sector in Northern Ireland will lead to a surge in Covid cases in border counties.Today, close contact services and outdoor visitor attractions are reopening as restrictions ease further in the North.However, Dr Denis McCauley, Chair of the GP Committee of the Irish Medical organisation says figures in Derry and Strabane show a surge of the virus in the under 40s which he says is filtering into North Donegal.He told this morning’s Nine til Noon Show that he anticipates an increase in Covid cases in the weeks ahead:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2021/04/mccauley1pm.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Twitter RELATED ARTICLESMORE FROM AUTHOR Twitter Arranmore progress and potential flagged as population grows AudioHomepage BannerNews Important message for people attending LUH’s INR clinic Community Enhancement Programme open for applications