Why I think it’s a great time to invest in a Lifetime ISA

first_img The Lifetime ISA, which is open to those aged between 18 and 40, is an extremely powerful long-term investment vehicle. Not only does it enable those saving for retirement to shelter their money from the taxman like other ISAs, but it also comes with 25% bonuses on contributions up to the annual allowance of £4,000 (up to age 50). This means that you can potentially pick up bonus savings of up to £1,000 per year, for free.In the current financial environment, that risk-free 25% bonus could be a huge financial advantage. Put that bonus money to work now, while the stock market is depressed, and the results could be incredible in the long run.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…Buying opportunitiesThe recent stock market crash has thrown up some amazing opportunities for long-term investors. Whether you’re investing for dividends or growth, there are some bargains on offer.Take alcoholic drinks champion Diageo – which owns a number of top brands including Johnnie Walker, Tanqueray, and Smirnoff – for example. A little over a month ago, it was trading at 3,200p on a P/E ratio of nearly 25 with a yield of 2.1%. Now, however, the shares can be bought for around 2,400p which equates to a P/E of 18 and a yield of 2.9%. I think that’s a steal, given the company’s track record and long-term growth prospects.Another example of a stock that looks attractively priced right now, to my mind, is JD Sports Fashion. Its share price has fallen from around 880p to under 300p over the last month. That means its P/E ratio has dropped from around 30 to just 11. I see that as a bargain. These are just a few examples of the opportunities available to investors right now. There are plenty more. For this reason, I think it’s a great time to be drip-feeding money into the market.25% more buying powerNow, going back to the Lifetime ISA, the advantage of investing within this account, as opposed to a regular trading account or a Stocks and Shares ISA, is that you’ll have 25% more buying power. That could make a big difference to your wealth over time.For example, let’s say you have £2,000 to invest in shares right now. If you invest within a Lifetime ISA, your £2,000 will be automatically boosted to £2,500. Now, let’s say your shares rise by 50% over the next two years as the stock market recovers from its recent crash. This means your £2,500 investment would be worth £3,750. That’s £750 more than it would be worth had you just simply invested your £2,000 in a regular trading account. That’s the power of the Lifetime ISA. That 25% bonus can very be powerful.I’ll point out that the Lifetime ISA does have some restrictions to be aware of. This ISA isn’t as flexible as other ISAs. Yet in my view, the 25% bonus outweighs the restrictions. If you’re investing for retirement, I think it’s a great account to use. 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. Image source: Getty Images Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” See all posts by Edward Sheldon, CFA Why I think it’s a great time to invest in a Lifetime ISA Edward Sheldon owns shares in Diageo and JD Sports Fashion. The Motley Fool UK has recommended Diageo. 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.center_img 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. Simply click below to discover how you can take advantage of this. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 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. Edward Sheldon, CFA | Saturday, 21st March, 2020 last_img read more

Pressure mounts on Lopetegui as Madrid beaten by Levante

first_imgShare on: WhatsApp “I told the guys talent has its limits, but faith and conviction do not,” Lopez said. “This team believes in what they are doing.”– Scatty Madrid –Levante were two up in 13 minutes and both came from Varane mistakes. The first was more blatant as he misjudged the flight of Sergio Postigo’s through ball, allowing Morales to nick it round Thibaut Courtois and fire into the open net.It got worse as Varane handled and VAR advised the error had been inside the box. Roger converted the penalty.For the rest of the half, Madrid were scatty and imprecise, their finishing spoiled by bad luck but a lack of composure too.VAR proved their undoing again, ruling Marco Asensio’s follow-up offside after Casemiro headed against the crossbar. Mariano was also denied by the woodwork while Ramos and Lucas Vazquez missed from three yards.At half-time, there were a scattering of white handkerchiefs — the traditional expression of discontent — but more whistles. After the restart, the home fans sang “echale huevos”, meaning, “play with some balls”.Lopetegui had thrown Bale on at the interval while Benzema and Dani Ceballos were introduced on the hour. Not before the 56th minute, when Madrid’s drought became their longest ever.Benzema shot straight at Oier Olazabal, who then pushed a bending Bale free-kick wide. Finally, Madrid scored, with that pair involved again as Bale flicked on to Benzema and Marcelo drove home.Madrid believed as Benzema struck the far post with a curling effort and Mariano thought he had grabbed an equaliser in the 87th minute. The striker, however, had strayed just offside. For Madrid, it was not to be. Madrid, Spain | AFP | Real Madrid failed to ease the pressure on coach Julen Lopetegui and instead set the record for the longest goal-drought in the club’s history during a surprise 2-1 defeat by Levante on Saturday.Madrid have now gone five games without a victory and by the time Marcelo gave them hope of a comeback at the Santiago Bernabeu, they had gone 481 minutes without a goal too.The club’s previous worst run had been 464 minutes, in 1985.For a team that prides itself on flair and flamboyance, it is a streak that reflects just as badly on Lopetegui as the results, which could leave Real Madrid four points adrift of Barcelona later on Saturday, with a ‘Clasico’ to come next weekend at the Camp Nou.Asked about his future, Lopetegui said: “It is the last thing I am thinking about. I am thinking only about lifting the players.”If Barca’s players were watching, they would have been licking their lips at the sight of Raphael Varane handing Levante a two-goal lead here after just 13 minutes. Jose Luis Morales and Roger Marti, from the penalty spot, were the beneficiaries.At the final whistle, Lopetegui stood on the touchline, with his hands on his hips, staring ahead in disbelief.He had left Gareth Bale and Karim Benzema on the bench, perhaps due to fitness issues, and the gamble backfired, despite both making a difference when brought on in the second half.Lopetegui had cited a lack of luck in recent weeks and Madrid were not blessed with it here. They hit the crossbar twice and the post once. They suffered a two-goal swing as a result of the Video Assistant Referee, one against called as a penalty, and one ruled out for offside.“I’m sure football will eventually give back to us what it is taking away,” Lopetegui said.But a single goal, from their 30-year-old left-back, in over eight hours is no fluke, and neither are the defensive lapses that could have seen Levante add more to their early double.Paco Lopez took charge of Levante in March and oversaw eight wins from 11 to avoid relegation. This season they are now seventh, a point behind Madrid.last_img read more

See the message David Beckham and family sent to healthcare workers who are battling…

first_imgImage Courtesy: Instagram(@victoriabeckham)/ITVAdvertisement 1NBA Finals | Brooklyn VssnxWingsuit rodeo📽Sindre Eko( IG: @_aubreyfisher @imraino ) 1y4utfWould you ever consider trying this?😱7i1Can your students do this? 🌚fwdRoller skating! Powered by Firework The novel Coronavirus pandemic has put the human life to a halt. All over the world, people are self isolating themselves in their homes, while doctors and medical workers are putting their best efforts to treat the patients to fight out the virus outbreak that has spread all over the world. Meanwhile, former football icon David Beckham has come forward to convey a thankful message to the healthcare personnel, who are putting their life on the line to curb the further spread of the virus.Advertisement Image Courtesy: Instagram(@victoriabeckham)/ITVOn his official Instagram account yesterday, David Beckham shared a video, where he is seen along with his three children Romeo, Cruz and Harper Seven, clapping along as a thankful gesture to the tireless medical workers of the National Health Service (NHS).Along with the hashtag ‘#ClapForOurCarers’, the clip was captioned with the following: “Happy to be able to come together with the whole country to thank the brave healthcare workers and our brilliant NHS working tirelessly in the fight against COVID-9♥️ #ClapForOurCarers @victoriabeckham @romeobeckham @cruzbeckham #HarperSeven”Advertisement Check out the video here-Victoria Beckham, who recorded the clip, could be heard saying in the background: “Us Beckhams are all clapping to show our thanks to all the people who are working so hard for the NHS, all the doctors and all the nurses keeping us safe.”The former England international then concluded by adding “Especially away from your families, we are so so proud of you guys, thank you so much.”The clip received numerous appraisals from the fans, and soon after, many fellow footballers, clubs and thousands of citizens also took it to social media to join the ‘Clap for Carers’ tribute.Premier League toppers Liverpool paid tribute to the NHS staffs through a ‘Thank You’ post on Twitter.Last week, Wembley Stadium also paid tribute to the NHS workers and staffs, lighting up the arch blue, along with a message that read ‘Thank You NHS.’UK has seen more than 11,000 positive Coronavirus cases till date, and 578 patients have died from the virus.All football activities, from the English Premier League to the FA cup and lower division leagues have all been suspended till the end of April.Also read-Read why Indian pacer Mohammed Shami feels ‘being a hero has never been this easy’April 30 soft date for Premier League return to be postponed further Advertisementlast_img read more


first_imgARCADIA, Calif. (Feb. 8, 2015)–Idle one day shy of a year, trainer Doug O’Neill’s Birdlover broke sharply from her outside post under Elvis Trujillo and registered an impressive gate to wire win in Sunday’s $75,000 Wishing Well Stakes for older fillies and mares at 6 ½ furlongs down Santa Anita’s hillside turf course. A 5-year-old English-bred mare, Birdlover prevailed by a half length and got the distance in 1:13.22.Second, beaten a head in last year’s Wishing Well on Feb. 9, 2014, Birdlover was dispatched at 3-1 in a field of seven and paid $8.60, $4.80 and $3.20.“It was exactly the trip we wanted,” said Trujillo, who engineered splits of 22.41, 45.17 and 1:07.35. “I know she has a lot of speed. I wanted to save her as much as I could for the stretch and it was a perfect race.”Owned by Cseplo, Keh, Kramer and W.C. Racing, Birdlover got her second win from four tries down the hill and improved her overall mark to 14-4-5-0. With the winner’s share of $47,100, she improved her earnings to $219,535.“She’s trained so good and she’s just so honest,” said O’Neill. “This is really a credit to (assistant) Steve Rothblum, because there was talk of retiring her. She had fractured her hock (upper hind leg) and she had done so much for us and we could have retired her without having surgery. She was sound enough to do that. But Steve said we should operate and try to bring her back.“I think she’s a miler. We had her in the (one mile turf) Megahertz, but she was the only also eligible and we didn’t get in. She’s got that kind of ability, but this race came up and she was doing well.”Breaking from the rail with Flavien Prat, Indecise saved ground early, split horses while four-wide a furlong from home and was gradually gaining on the winner at the wire. Idle since Jan. 19, 2014, she was off at 12-1 and paid $9.80 and $4.40.Fanticola, who was the second choice at 2-1, sat close to the pace with Martin Garcia and completed the trifecta, finishing 1 ¼ lengths behind Indecise. Fanticola paid $2.80 to show.Racing resumes at Santa Anita on Thursday and will continue through Monday, Presidents’ Day. First post on Thursday is 1 p.m. Admission gates open at 11 a.m.last_img read more

Kevin Durant, Draymond Green take ownership of their turnover issues

first_imgCLICK HERE if you are having a problem viewing the video on a mobile deviceOAKLAND – Steve Kerr might want to scream a vulgarity whenever he disagrees with an officials’ call. The Warriors’ coach might want to break a clipboard when he becomes upset with his players’ effort.There is something else, though, that makes the normally calm and compassionate Kerr go into a rage. He goes ballistic whenever he sees his team commit silly turnovers. “We had just done all of that work down …last_img read more

Cape Town gets a literary nod

first_imgThe international prize differs from the Man Booker Prize in that it honours a writer’s body of work and achievement and contribution to international fiction, as opposed to focusing on a single work. (Image: Janie Airey, Man Booker Prize)• Man Booker International PrizeTruda SpruytMedia Liaison+44 (0)20 3697 [email protected] Jane CookCape Town, this year’s World Design Capital, has been named as the host city for the announcement of the 2015 Man Booker International Prize finalists list next March.Planning of the event is already beginning, with the Man Booker International Prize organisers in partnership with the University of Cape Town. The list of finalists has traditionally been published in a city other than London, home of the Booker Prize Foundation; it has previously taken place in Toronto, Washington DC, New York City, Sydney and Jaipur.The international prize differs from the Man Booker Prize in that it honours a writer’s body of work and achievement and contribution to international fiction, as opposed to focusing on a single work. The £60 000 (R1 094 730) prize is awarded every second year, to a living author who has published fiction either originally in English or whose work is generally available in translation in English.The last prize, in 2013, was won by American author Lydia Davis. Other winners include Philip Roth (2011), Alice Munro (2009), the late Nigerian author Chinua Achebe (2007), and Ismail Kadare (2005). In addition, there is a separate award for translation and, if applicable, the winner can choose a translator of his or her work into English to receive a prize of £15 000.Judging panelA diverse array of people makes up the judging panel for the 2015 Man Booker International Prize. It is chaired by Marina Warner CBE, the British writer and academic, and consists of British-Pakistani novelist Nadeem Aslam; British-South African novelist, critic and professor of English at Oxford University, Elleke Boehmer; editorial director of the New York Review Classics series, Edwin Frank, and American; and professor of Arabic and comparative literature at Soas, University of London, Wen-chin Ouyang, who was born in Taiwan, raised in Libya and is now based in the United Kingdom.Fiammetta Rocco, the administrator of the international prize, said: “We are in conversation with a number of potential partners in Cape Town, including the University of Cape Town, to firm up plans for an announcement in March 2015. We’re delighted to be bringing the announcement to the continent of Africa for the first time.”The prize is sponsored by Man Group, the British investment management business. It also sponsors the annual Man Booker Prize for Fiction.Fast factsThe Booker Prize for Fiction is in its 46th year. It became the Man Booker Prize in 2002 when the Man Group came on board as sponsor. That year, Yann Martel won the award with Life of Pi.Since 1969, 30 men and 16 women have won the prize. The Booker Prize initially awarded £5 000 to its winners. The prize money doubled in 1978, and today the winner receives £60 000.In 1974, eyebrows were raised when Kingsley Amis’s Ending Up appeared on the shortlist chosen by a judging panel that included his wife, the novelist Elizabeth Jane Howard. In the end, the prize was split between Nadine Gordimer and Stanley Middleton.The following year, there was a shortlist of only two books out of 83 submissions. Ruth Prawer Jhabvala won with Heat and Dust. In 1977, the judging panel chair, poet Philip Larkin, threatened to jump out of the window if Paul Scott’s Staying On didn’t win. It did.At 132 pages, the shortest novel to have won the Booker was Offshore by Penelope Fitzgerald, in 1979. Ian McEwan’s On Chesil Beach and Julian Barnes’s The Sense of an Ending were just slightly longer. In terms of length of eligible books, the rules simply state that the judges must be of the opinion that a book is a unified and substantial work.Twice, two members of the same family have been recognised: Anita Desai has been shortlisted three times since 1980 but has never won; however, her daughter, Kiran, won in 2006. Martin Amis has been shortlisted and longlisted, in 1991 and 2003, respectively; his father, Kingsley Amis, won the Booker in 1986.Jonathan Cape is the publisher with the highest number of winning titles, with eight winners: The Sense of An Ending by Barnes in 2011, The Gathering by Anne Enright in 2007, Amsterdam by Ian McEwan in 1998, The Famished Road by Ben Okri in 1991, Hotel du Lac by Anita Brookner in 1984, Midnight’s Children by Salman Rushdie in 1981, Saville by David Storey in 1976 and The Conservationist by Nadine Gordimer in 1974. Faber & Faber follows with six winning titles.One of the bestselling Booker winners is Schindler’s Ark by Thomas Keneally, which was adapted into the box office hit Schindler’s List. The film by Steven Spielberg won seven Academy Awards.Two authors have won the prize with their first and, so far, only novels: Keri Hulme with The Bone People in 1985, and Arundhati Roy with The God of Small Things in 1997.Over the years, winners have admitted to what they planned to do with their prize money. In 1990, AS Byatt famously announced she would use her money to buy a swimming pool for her house in Provence, while McEwan said he would probably spend the money on “something perfectly useless” rather than fritter it away on things like “bus fairs and linoleum”. When Howard Jacobson won in 2010, he promised to buy his wife a new handbag.A number of Booker and Man Booker winning novels have been adapted into film. Some of the best-known are Kazuo Ishiguro’s 1989 novel Remains of the Day and Michael Ondaatje’s 1992 novel The English Patient. Other adaptations include Midnight’s Children, Life of Pi and Byatt’s Possession.Hilary Mantel was the first woman and the first British author to win the prize twice. JM Coetzee was the first person to win twice, in 1983 and again in 1999, when he described the Booker as “the ultimate prize to win in the English-speaking world”. Peter Carey first won in 1988 and then again in 2001. Mantel was the first person to win the prize for two novels in a trilogy.In 2013, Eleanor Catton made Man Booker Prize history twice – as the youngest winner at 28, with the longest winning novel at 832 pages. Catton began writing The Luminaries when she was 25 and was just the second New Zealander to win. In September that year, the organisers announced the global expansion of the Man Booker Prize to include novels originally written in English and published in the United Kingdom, regardless of the nationality of the author.last_img read more

Q&A with Fruit South Africa on new SA-China agreement

first_imgThe newly signed agreement between South Africa and China will mean more jobs in the export agriculture sector says the Fruit South Africa CEO Dr Konanani Liphadzi.The South African and Chinese governments recently signed a memorandum of understanding to strengthen the market access for fruit. South Africa’s exporters are expected to increase their produce from 110 000 tons fruit to 350 000 tons within the next five years. (Image: Supplied)Melissa JavanSouth African farmers and cooperatives will export more of their fruit harvest after the signing of a memorandum of understanding (MOU) between the South African government and the People’s Republic of China earlier this month.The MOU was signed in Beijing, China, by Willem Bestbier, vice-chairperson of Fruit South Africa (Fruit SA) and his counterpart, Wang Xin, vice-chairperson of the Chinese Quarantine and Inspection Association (CIQA) on 1 November 2016.South Africa’s fruit exporters are mainly from the Western Cape, Eastern Cape and Mpumalanga provinces. (Image to illustrate: Brand South Africa)For now negotiations are underway to increase market access for South African pears. Avocados and other fruit will be considered in the next round of negotiations.Last year China imported 3.8-million tons of fruit, of which 110 000 tons were from South Africa. The Chinese fruit market is valued at US$ 5-billion (about R71-billion), and within 5 years South Africa’s access will be one and half times greater.Dr Konanani Liphadzi, chief executive officer of Fruit SA shares insights on the impact of the MOU on agriculture in South Africa.Dr Konanani Liphadzi is chief executive officer of Fruit SA. She says the fruit industry will increase job creation because of the new agreement between China and South Africa relating to exports.Dr Liphadzi, what does this new agreement with China mean for South Africa?Liphadzi: In regards to the new MOU, this means the initiative is broadening market access. Secondly, we could share technical information like quarantine issues and also assist them with information needed. It goes both ways.We also have a partner on the ground in China, who can share things like policy changes.This partnership builds on the foundation we already have with China.Lastly, there will be a lot of job creation, from hand pickers in South Africa to people doing packaging that will be hired, because of increased demand.What fruit do we export to China?KL: The three main produce we supply to the Chinese market are apples, citrus and table grapes.How many fruit suppliers in South Africa currently export to China?KL: Currently there are 12 companies that supply to China.How many people are employed currently within the fruit industry?KL: Currently 50% of our fruit produce are being exported. This is to 87 countries worldwide, with China being one of them. Overall 2.7-million tons fruit are exported globally, and 110 000 of it go to China. That is 300 000 jobs locally in the fruit industry, that’s along the value chain, from the farm to where it ends with the consumer.Tell us about the South African exporters.KL: The 12 companies include the following:We have companies that buy fruit from the farmers;Other produce their own fruit and buy from different farmers;Lastly, we have cooperatives, a group working together producing fruit. Then they have a marketing company advertising for them.The exporters are mainly from the Western Cape, Eastern Cape and Mpumalanga.The major producers come from the Western Cape, because it has a unique environment.Are any of the fruit sent to China being genetically modified?KL: We don’t produce genetically modified fruit in South Africa.How can an entrepreneur or any other farmer(s) get their fruit exported?KL: There is room for new exporters, especially in terms of transformation. The Fresh Produce Exporters’ forum is an association for developing new entries within the export market. It is a challenging process to get into exports, because it is not an easy industry.Anyone interested in exports, can contact me.Will China export any of their fruit to South Africa?KL: They also want to send fruit. We are counter season to them. So, when we are harvesting, they have winter there. Selling fruit to them won’t be a major issue. Our department of agriculture is considering citrus from them. We are not competing with them.Is there anything you would like to add?KL: In regards to the new MOU, this means the initiative is broadening market access.This is in line with what our country’s National Development Plan 2030 wants to achieve. We have identified a commodity, are increasing volumes to create jobs, and are opening the a market for our produce.We appreciate the effort of the government to open the market, and that they are creating a good relationship with the Chinese government.Would you like to use this article in your publication or on your website? See Using Brand South Africa materiallast_img read more

10 months agoFulham plan bid for Bournemouth striker Lys Mousset

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Fulham plan bid for Bournemouth striker Lys Moussetby Paul Vegas10 months agoSend to a friendShare the loveFulham are eyeing Bournemouth striker Lys Mousset.Fulham are planning a January move for Mousset, says West London Sport.The French striker has struggled to make an impact with the Cherries but could now be handed a lifeline by their Premier League rivals.Fulham are looking to strengthen as they prepare for a relegation scrap after a tough start to the season.The French frontman has made just seven top-flight starts since joining the Dorset club from Le Havre for around €6.5m some two and a half years ago.He has scored four goals, two of which were in the league. last_img read more

10 months agoMan Utd striker Rashford resists Real Madrid approach

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Man Utd striker Rashford resists Real Madrid approachby Paul Vegas10 months agoSend to a friendShare the loveManchester United striker Marcus Rashford has no interest in talks with Real Madrid.The Sun says Rashford has scored twice in three games since Ole Gunnar Solskjaer succeeded Jose Mourinho at Old Trafford.And his renewed enjoyment with his boyhood club will see him reject the advances of Los Blancos.Rashford was reportedly open to talks with Real due to how he was being used by Mourinho, despite never having his heart set on an exit from Old Trafford.But the 21-year-old has been pivotal to United’s upturn in form since Solskjaer’s arrival, producing some dazzling footwork to set up the opener for Paul Pogba in the Red Devils’ 4-1 hammering of Bournemouth on Sunday. last_img read more