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. 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. Divyansh Awasthi 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. “This Stock Could Be Like Buying Amazon in 1997” Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Divyansh Awasthi | Tuesday, 7th January, 2020 | More on: IAG 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. 1 FTSE 100 dividend stock I wouldn’t touch right now Our 6 ‘Best Buys Now’ Shares It has been a rough take-off for International Consolidated Airlines Group (LSE: IAG) in 2020. This is not to say that the company is coming off of a great 2019: its shares were up just 0.8% in the year. However, the surge in crude oil price following the assassination of Iran’s military leader Qassem Soleimani made the beginning of the year a rough outing for the share.And in my estimation, things are not about to get any easier. Let’s look back a bit before we look forward.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…Wake turbulenceFor the most part, 2019 was a very difficult time for the British Airways owner. Its share price, which had peaked at 664p in early February, had been pummelled down to 413.5p at the beginning of August – a decline of 38%! The political wrangling in the UK related to Brexit was the chief cause of this decline.The problems faced by British Airways were a major reason for the decline in IAG’s share price. In July, the airline operator was fined £183 million after data of half a million of its customers was stolen from its website.British Airways’ long-running dispute with its pilots has also damaged its owner ,both reputability-wise and financially. The strikes by pilots in September led to a cancellation of 2,325 flights and resulted into a loss of £121 million.IAG’s share did bounce back, though, and from mid-August until mid-December its price surged by nearly 52%!The results of election in the UK is exactly what the airline operator needed to set itself up for 2020, as the end of uncertainty boosted its share price.Into rough weatherSometimes, turbulent times don’t seem to end. So is also the case with British Airways. An annual poll by Which?, whose results were released in December, showed that the airline ranked the second worst in passengers’ opinions. The respondents were dejected by the food and drink quality, seat comfort and value for money across both short and long-haul services. Not a good look for the “world’s favourite airline” as the carrier calls itself. Just four years ago, it was named as the best short-haul airline.Early in January, AirlineRatings.com released the raking of the world’s safest airlines. British Airways was unable to make it to the top 20; it had made among those ranks last year.Geoffrey Thomas, Editor-in-Chief of the publisher, cited two reasons why the carrier slipped out of the top 20: the ageing fleet and a high number of non-critical incidents.HeadwindsPoor customer satisfaction, data privacy issues, and the tiff with pilots (though they have voted to settle their dispute with the carrier) aren’t the only reasons I wouldn’t invest in IAG right now. The rising fuel prices because of aforementioned tensions between the US and Iran are a big factor.Fuel prices account for about a quarter of IAG’s operating expenses and are its largest variable expense. Combined with the factors mentioned above, they make for a strong case against the airline operator. At about 600p a share, the share is a thumbs down for me. Image source: Getty Images. See all posts by Divyansh Awasthi Simply click below to discover how you can take advantage of this.
The share price of shopping centre landlord Intu Properties (LSE: INTU) has risen by more than 200% from the all-time low seen in March. There will be plenty of bargain-hunting investors who’ve doubled their money — at least — on the Intu share price.Despite these gains, the Intu share price is still just 9.5p at the time of writing. That’s a 93% discount to its December book value of 140p per share.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 property below its book value is a classic value investing technique. Get it right and the profits can be huge. But if you get it wrong, you can lose everything.Today I want to take a fresh look at Intu and explain what I’d do today.What are Intu shares worth?The company’s latest accounts date from 31 December 2019 and show a net asset value of £1,904m. In simple terms, this number is the difference between the value of the group’s property portfolio (about £6.5bn) and its debts (about £4.6bn).These numbers mean that Intu ended last year with a loan-to-value ratio of about 68%. This is quite a high level of gearing for commercial property, but in better circumstances, it might be manageable. Unfortunately, circumstances today are about as bad as you can imagine.Cash crunchOne problem is that Intu appears to be struggling for cash. Rent collections for the first quarter of 2020 were just 40% of the total amount due. Cash flow forecasts released by the company recently suggest to me that a number of its operating companies — including Metrocentre — could run out of cash this year.Intu’s shortage of cash is what’s known as a liquidity crunch. If this was the only problem, the group would probably be able to secure some new funding to see it through the crisis. However, Intu hasn’t been able to do this.The share price slumped in March when major shareholders refused to bail out the company with a £1bn+ equity raise.Lenders don’t seem keen to lend Intu any extra cash, either. Indeed, it is currently trying to reach a ‘standstill agreement’ with lenders to protect the group from expected breaches of its loan conditions.Property price collapseIntu’s share price has fallen by more than 95% over the last five years, as investors have bailed out of a falling market for retail property.Its net asset value has fallen from £5bn to £1.9bn in just two years. Unfortunately, debt investors appear to think that property prices could have further to fall.Its bonds (loans) trade on debt markets, where they can be bought and sold. As I write, its debt is trading at a big discount to its face value. This normally means that lenders don’t expect to get all of their money back.Why the Intu share price could go to zeroIntu faces a perfect storm. It’s in danger of running out of cash and its property portfolio is highly geared in a falling market.Big shareholders have already refused to provide the fresh cash that would be needed to solve the group’s debt problem. I can’t see that changing.In my opinion, there is only one likely outcome — lenders will take control of the group’s assets and the Intu share price will fall to zero. If I owned Intu shares, I would sell today. “This Stock Could Be Like Buying Amazon in 1997” See all posts by Roland Head 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. 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. 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. Roland Head 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. Our 6 ‘Best Buys Now’ Shares Enter Your Email Address Simply click below to discover how you can take advantage of this. The Intu share price is up 200%. Here’s what I’d do now Roland Head | Friday, 5th June, 2020 | More on: INTU Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!
Howard Lake | 7 April 2013 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 6 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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. [amzn_product_post]The twenty first edition of this comprehensive reference work covers 2,500 grant-making trusts, each with the potential to give at least GBP25,000 in total per year, collectively giving around GBP3 billion. With fully updated information supplied by the trusts themselves, the entries include: geographical area supported by the trust; concise contact details; what is and what is not funded; type and range of grants made; and, examples of recent beneficiaries. The extensive indexes – by geographical area, field of interest and type of beneficiary, and type of grant – allow users to target the trusts that are most relevant to their needs. Directory of Grant Making Trusts 2010-2011
Suzanne Treharne – Rising Star at IoF Fundraising Convention 2016 “What is the licorice allsort that inspires you to achieve more?” asks Suzanne Treharne in the Rising Stars session at the Institute of Fundraising’s Fundraising Convention on 6 July 2016 at the Barbican Centre, London.Nine rising stars in the fundraising world, none of whom had spoken at a Fundraising Convention before, were each given nine minutes to share their big fundraising idea or experience. They got to do so on the stage of the Barbican Concert Hall, home to the London Symphony Orchestra. Fortunately they were given some help in presenting from some established fundraisers.Suzanne Treharne, Head of Giving and Engagement at LCVS, explained what drove her and what should drive us. Inequality abounds, particularly in her adopted home city of Liverpool, but she is doing something about it. But what makes people want to act? She uses the example of the licorice allsort sweet that was the spur that made her young daughter take her first steps.She challenged the audience of fundraisers to work out what their licorice allsort moment was, and more importantly, what is the licorice allsort moment that will inspire their supporters to give and to help.Licorice allsortsShe rounded off her presentation by distributing licorice allsorts to the audience. Howard Lake | 29 July 2016 | 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. Missed the other Rising Stars whom we’ve featured so far? Watch them:Russell BensonSali GrayMichael WinehouseLizzi HollisRachael TylerLaura Hewitt AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 125 total views, 1 views today Advertisement 126 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 Tagged with: Institute of Fundraising National Fundraising Convention
We have recently suggested that the warming in the sea surface temperature (SST) since 1900, did not occur smoothly and slowly, but with two rapid shifts in 1925/1926 and 1987/1988, which are more obvious over the tropics and the northern midlatitudes. Apart from these shifts, most of the remaining SST variability can be explained by the El Niño Southern Oscillation and the Pacific Decadal Oscillation (PDO). Here, we provide evidence that the timing of these two SST shifts (around 60 years) corresponds well to the quasi-periodicity of many natural cycles, like that of the PDO, the global and Northern Hemisphere annual mean temperature, the Atlantic Multi-decadal Oscillation, the Inter-Tropical Convergence Zone, the Southwest US Drought data, the length of day, the air surface temperature, the Atlantic meridional overturning circulation and the change in the location of the centre of mass of the solar system. In addition, we show that there exists a strong seasonal link between SST and ENSO over the tropics and the NH midlatitudes, which becomes stronger in autumn of the Northern Hemisphere. Finally, we found that before and after each SST shift, the intrinsic properties of the SST time series obey stochastic dynamics, which is unaffected by the modulation of these two shifts. In particular, the SST fluctuations for the time period between the two SST shifts exhibit 1/f-type long-range correlations, which are frequently encountered in a large variety of natural systems. Our results have potential implications for future climate shifts and crossing tipping points due to an interaction of intrinsic climate cycles and anthropogenic greenhouse gas emissions.
January 25, 2020 /Sports News – Local Weber State Men’s Basketball Faces Montana Saturday Evening Written by Tags: Montana basketball/Weber State Men’s Basketball Brad James FacebookTwitterLinkedInEmailOGDEN, Utah-Saturday evening, Weber State men’s basketball (6-13, 2-6 in Big Sky Conference play) hosts Montana (11-8, 7-1 in Big Sky play) as the Wildcats seek to upset the conference-leading Grizzlies at the Dee Events Center.In his 14th season at the helm of the Wildcats’ program, Randy Rahe (272-166, .621) remains the all-time winning-est coach in program history.The Wildcats score 71.1 points per game, ranking them 190th nationally in scoring offense.Senior guard Jerrick Harding (21.3 points per game) is the Wildcats’ leading scorer with fellow senior back-court mate Cody John (13.8 points per game) the only other Weber State student-athlete scoring in double figures on-average.Junior forward, Czech national Michal Kozak leads the Wildcats in rebounding (5.4 boards per game) and blocked shots (26).Freshman guards KJ Cunningham (a team-best 39 assists) and Judah Jordan (a team-best 23 steals) have also been solid contributors for Rahe’s squad.Weber State gives up 69 points per game as the Wildcats rank 178th nationally in scoring defense.In his sixth season at the helm of the Montana program, Travis DeCuire (120-66, .645) has led the Grizzlies to three Big Sky Conference titles and successive NCAA Tournament appearances.Montana scores 67.8 points per game as the Grizzlies rank 273rd nationally in scoring offense.Senior guard Sayeed Pridgett leads Montana in scoring (18.7 points per game), rebounding (7.6 boards per game), assists (60) and steals (32).Redshirt senior guard Kendal Manuel (14.9 points per game) also scores in double figures on-average for the Grizzlies.Freshman forward Derrick Carter-Hollinger has a team-best 17 blocked shots for Montana.The Grizzlies surrender 68 points per game, tying Montana for 148th nationally in scoring defense with Richmond and Lamar.Weber State leads Montana 70-60 all-time in the Wildcats’ longest rivalry in school history. At Ogden, Weber State has a 45-17 advantage, but the Grizzlies have won their last two games at the purple palace.
Home » News » Campaigners celebrate as regulator savages home builders over leasehold mis-selling previous nextRegulation & LawCampaigners celebrate as regulator savages home builders over leasehold mis-sellingLeasehold Knowledge Partnership says its years of campaigning on leasehold reform has been ‘spectacularly vindicated’.Nigel Lewis2nd March 20202 Comments1,514 Views An industry group founded by a former property journalist says its campaign to end the mis-selling of leasehold properties has been ‘spectacularly vindicated’ by the competition regulator’s announcement that it is to launch enforcement action against several high profile house builders.In a 31-page report, the Competition and Markets Authority (CMA) says it has found troubling evidence of potential mis-selling and unfair contract terms in the housing sector, and is set to launch enforcement action. The CMA estimates that 25% of sales since 2000 have been leasehold apartments (19%) and houses (6%) and that at least 13,000 home owners are trapped by unfair ground rent terms.The Leasehold Knowledge Partnership (LKP), which is fronted by former Mail on Sunday editor Sebastian O’Kelly (above right), says its long campaign to highlight the dark side of new-build properties, and in particular leasehold houses, is borne out by the CMA’s damming report into the sector.The allegations are both broad and detailed including evidence that house builders have been aggressively promoting unfair ‘doubling’ ground rents and misleading vendors about the cost of converting their homes to freehold ownership.It is also claimed by the CMA that builders have failed to tell buyers that their home is being bought via leasehold or what that means; and been charging unreasonable fees for the maintenance of common areas and home improvements.“We have found worrying evidence that people who buy leasehold properties are being misled and taken advantage of,” says Andrea Coscelli, the CMA’s Chief Executive.“Buying a home is one of the most important and expensive investments you can make, and once you’re living there you want to feel secure and happy. But for thousands of leasehold homeowners, this is not the case.”One agent’s reaction to the CMA report.“To anyone who manages leasehold developments the findings of the CMA probe into the industry will come as no surprise whatsoever, ” says James Tarr, Head of Leasehold Managemnt at Andrews Property Group.“The sooner the leasehold sector becomes regulated, the better. That will solve a significant percentage of the problems that are occurring almost immediately.“You need to have a situation where conveyancing solicitors and developers alike are obliged to spell out the full meaning of leaseholds, in plain English, before any transaction takes place.“Whenever we take on a new development we always hold a residents’ meeting and explain the basics of leasehold and why the owners need to pay a service charge.“There’s often a huge amount of confusion as to the difference between ground rent and service charges, and in some cases residents have been told they can even opt out of these charges.Read the CMA report in full.Read more about the Leasehold Knowledge Partnership. mis-selling leasehold Leasehold knowledge partnership leasehold March 2, 2020Nigel Lewis2 commentsSimon Davies, A A 2nd March 2020 at 9:41 amResponse to above comment – Ground rent is for no service, there is no need for it. Leasehold properties have not sold for much less than freehold ones in recent times to reflect the ground rent burden. It is there purely to provide an income stream, often to a remote offshore investor. Ground rent above £250 per year can make a property an assured tenancy, and above 0.1% of property value can be seen as onerous by some mortgage lenders, so linking to RPI does not help here and RPI is an unknown quantity.The service charge is more transparent and covers the cost of running the building.Developers can charge more upfront if necessary so home buyers know exactly what they are getting for their money. Ground rents and other unnecessary fees to remote freeholders have been abused in recent years and give no benefit at all to leaseholders. There is wide recognition now that leasehold is not fit for purpose and a few minor tweaks is not enough. Leaseholders are suffering with out of control costs including ground rents, permission fees, service charges and lease extension costs.If leasehold is to continue, new leases should be 900+ years, zero ground rent, permission fees capped at £10, and a residents management company put into the lease so residents can control their costs by managing the building themselves, or appoint their own managing agent.Cap existing ground rents at a maximum of £250 or 0.1% of property value, whichever is least. Enfranchisement cost to be 1% of property value or 10 X ground rent, whichever is least.It is well past time England and Wales got rid of this abusive system, and used Commonhold which is used everywhere else in the world.Log in to ReplyStephen Clacy, Bowlwonder Limited Bowlwonder Limited 2nd March 2020 at 9:12 amA ground rent is for no service and the lease confirms that pointTherefore it is a financial burden on the property and the amount of that burden the purchaser takes on should be disclosed along with the premium paid for the lease or the purchase price of the lease when bought second handThe Net Present Value of this rent using a prescribed discount rate with an online calculator is what is required and therefore there is nothing wrong with any ground rent PROVIDED it is fully disclosed so the purchaser can reflect on its value when formulating an offerA lessee should have a right to extinguish the ground rent on payment of the appropriate premium and as this would not involve extending the term there would be no requirement to have the property valued and therefore the costs of this exercise should not be challenging and a simple deed of variation in prescribed form necessary to record the removal of just the rent so the legal costs should be low if needed at all – further the right to lower the rent should be available to a mortgagee who if they find themselves in possession can remove the rent – this hopefully will also remove some of the lending criteria on ground rents which is acting as a road block to many sales at presentI do find it surprising that. Ground rent linked to the RPI is seen as problematical – it’s a published index of many years standing and the calculation of the new rent is hardly complex – there would be a near riot if the state pensions link to the RPi on. Yearly basis was decoupledLog in to ReplyWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021
MERRY CHRISTMAS TO US By Jim RedwineIf the message of Christmas were simply gifts of gold, frankincense, and myrrh, etc., etc., it would have died out about as unceremoniously as the current stock market. Therefore, we should probably consider if there are other possibilities.When the Jews were conquered by the Romans they reacted as most oppressed people would. Their cultural myths concentrated on deliverance. In general, deliverance from an omnipotent force can take three approaches: armed rebellion; assimilation; and/or peaceful coexistence.To some of the Hebrews, their hoped-for messiah would be a warrior who would throw off the Roman rule. To others, the approach was more of total capitulation. But for many, the thought was a Prince of Peace would provide the best hope. To fight Rome, as the destruction of the Jewish temple in 70 A.D. showed, was to court annihilation. As the Jewish historian Josephus Flavius chronicled, a revolt by the Jews brought total devastation to their society.On the other hand, the Romans and Jews of that time did not appear to be interested in peaceful coexistence except upon terms set by Rome. That left real deliverance from bondage for the Jewish people to be more metaphysical, that is, through philosophy, not armed resistance. And it took 2,000 years, the horrors of WWII and the benevolence of the world’s new Rome, the United States of America before Jewish self-determination could be realized. Still, true peace as called for by Jesus is elusive. The Middle East continues to be an area where armed rebellion is both ubiquitous and futile.Perhaps we should give the true message of Christmas a chance. I know President Trump has his faults and I carry no brief for much of what our government does in our name. However, to withdraw from foreign conflicts that simply kill thousands, destroy cultures and cost trillions appears to me to be the course Jesus would call for. Merry Christmas and welcome home to our soldiers, sailors, airmen and marines from Syria, Iraq, Afghanistan and wherever else we are engulfed in endless counterproductive conflicts. And if we really are the new Rome maybe we should learn from the military fiascoes of that ancient one.The debacle on Wall Street might best be addressed not by quarreling over interest rates but by investing our treasure in ourselves instead of squandering it in the vain pursuit of a Pax Americana.Want to read other Gavel Gamut articles? Go to www.jamesmredwine.comOr “Like” us on Facebook at JPegRanchBooksandKnittingFacebookTwitterCopy LinkEmail
FOP Supports Evsc Teamsters FacebookTwitterCopy LinkEmail
It’s difficult to open the papers without reading another story about the growing obesity problem in the UK. The good news is that the latest data from TNS suggests people are looking to improve their diets, with more people choosing foods for health reasons.Many manufacturers have already responded by offering reduced fat, reduced salt and reduced sugar foods. The sector is also committed to helping people make informed choices by giving more information about the nutrients a particular food contains.Over 85% of the BCCCA sector has committed Guideline Daily Amounts (GDAs). GDAs help people understand how much or how little of a particular nutrient they should be trying to eat and are also an easy way to compare foods.The other trend TNS identifies is indulgence with people looking to treat themselves once in a while. So while there is a market for lower fat biscuits there is also a market for shortbread made with butter and sugar. The TNS data demonstrates that the BCCCA sector is very well understood by consumers, with people clearly understanding if a food is indulgent.In order to facilitate industry best practice the BCCCA holds a Technology Conference with presentations from industry experts. The next conference will continue the focus on consumer health and will consider how the baking sector responds to the sustainability debate.