Stock market rally: this is how I’d invest in UK shares in an ISA to get rich Peter Stephens owns shares of easyJet, Imperial Brands, and SSE. The Motley Fool UK has recommended Imperial Brands. 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. Enter Your Email Address Peter Stephens | Thursday, 3rd December, 2020 Investing money in UK shares may mean accepting paper losses in the short run. After all, the recent stock market rally could give way to a market decline should risks such as Brexit negatively impact investor sentiment in the short run.However, over the long run, a strategy of buying high-quality companies from across the FTSE 100 and FTSE 250 while they trade at low prices could lead to impressive returns. They could improve an investor’s financial prospects through producing a surprisingly large ISA in the coming years.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 UK shares that are strugglingOf course, the cheapest UK shares to buy today are likely to be those companies facing tough operating conditions. For example, airlines such as easyJet and IAG have recorded extreme share price declines during the course of 2020 due to the sharp fall in demand for air travel.They may also experience more volatility in the short run. However, both companies appear to have the financial means to survive further grounding of flights in the coming months. They then could deliver improving sales and profitability the allow them to command higher share prices.Certainly, both stocks are relatively high risk compared to other UK shares. But their wide margins of safety may account for near-term challenges, and may underrate their long-term prospects in a sustained stock market recovery.Investing money in dividend stocksDividend stocks may also offer outperformance of other UK shares in a long-term stock market recovery. Companies such as SSE and Imperial Brands have yields of 5% at the present time. This suggests they could become increasingly popular at a time when low interest rates look set to remain in place for a prolonged period.Furthermore, SSE is investing heavily in renewables. They may align its growth outlook with that of the world economy, which is increasingly focused on a green recovery from the 2020 recession. Although Imperial Brands faces a tough set of operating conditions due to volume declines, its refreshed strategy may yield a stronger financial performance over the coming years. Especially as it seeks to improve its performance in next-generation products, such as e-cigarettes.ISA investing for the long termOf course, UK shares such as those discussed above could experience uncertainty in the short run. The vast majority of sectors face challenging prospects that could get worse before they improve.However, the track records of the FTSE 100 and FTSE 250 suggest they offer long-term recovery potential from their current price levels. They’ve always made new record highs following even their very worst bear markets.As such, building a diverse ISA portfolio and using a long-term approach could be a profitable move. It may lead to an investor improving their financial position after what has been a challenging 2020. 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. 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” 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. 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 Simply click below to discover how you can take advantage of this. See all posts by Peter Stephens
The vast majority of the 12,500 chemicals used by the $50 billion beauty industry have never been assessed for safety.Dear EarthTalk: I know that there are many issues with personal care products being unsafe for our health, but where do I look to find out what’s safe and what’s not?— Mary Pulaski, Trenton, NJThe average American uses about 10 personal care products each day, resulting in exposure to some 100 unique chemicals. But the vast majority of the 12,500 chemicals used by the $50 billion beauty industry have never been assessed for safety, according to the Campaign for Safe Cosmetics (CSC), a coalition of eight non-profits concerned about the health of cosmetics and personal care products.“Many of these chemicals are linked to adverse health effects like cancer, birth defects and other serious health issues,” CSC reports. And with cosmetics chemicals showing up in breast milk and umbilical cord blood, not to mention rivers, lakes and drinking water aquifers, it is indeed a problem that affects us all.Unfortunately for American consumers, these products aren’t held to the same high safety standard as foods and drugs in the United States, and as such manufacturers do not have to disclose ingredients on their products’ labels. That means it’s up to consumers to educate themselves as to what products to buy and which to avoid if human health and the environment are concerns.To the rescue comes the non-profit Environmental Working Group (EWG), which launched its SkinDeep database back in 2004 to give consumers a way to learn about what’s in the products they use on their skin and bodies. Today, SkinDeep—which is free to use and has a user-friendly, keyword-searchable interface—features health and safety profiles on 69,000 different cosmetics and personal care products.“Our aim is to fill in where industry and government leave off,” reports EWG, whose researchers cross-reference hundreds of safety studies and nearly 60 toxicity and regulatory databases against thousands of product ingredient labels to help consumers find the safest cosmetics and personal care items.Beyond searching for your most frequently used creams, gels and elixirs to get the low-down on their safety, users can also learn what to avoid by browsing the site’s “What Not to Buy” section. Harsh soaps, anything with chemical fragrances, many nail polishes and most dark permanent hair dyes top the list of products health-conscious consumers should steer clear of—or at least check out on SkinDeep. The website lists safer versions of all these product types for those who just can’t live without.But public health advocates and environmentalists alike, of course, would prefer that all personal care products could be trusted to not be rash-inducing, carcinogenic or otherwise harmful. CSC has been lobbying Congress about the need for stricter laws and U.S. Food and Drug Administration (FDA) oversight, and last year was instrumental in getting the Safe Cosmetics Act (HR 2359) introduced into the House of Representatives. While the bill stalled in committee, it would have required the FDA to create a list of specific contaminants likely to be found in certain cosmetics ingredients and provide testing protocols to determine which ones qualified for warning labels, phase-outs or outright bans. Whether a similar bill will come up again anytime soon remains to be seen. In the meantime, consumers should make sure to visit the SkinDeep database before lathering up.CONTACTS: EWG’s SkinDeep Database, www.ewg.org/skindeep; CSC, www.safecosmetics.org.EarthTalk® is written and edited by Roddy Scheer and Doug Moss and is a registered trademark of E – The Environmental Magazine (www.emagazine.com). Send questions to: [email protected] Subscribe: www.emagazine.com/subscribe. Free Trial Issue: www.emagazine.com/trial.
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The deadline for selecting 31-man World Cup squads is August 31, and Ireland boss Schmidt has already admitted he is finding the final composition of that squad a huge challenge. Chris Henry has completed his remarkable comeback after suffering a mini-stroke in November to win inclusion in the squad, the Ulster flanker proving himself ready with an impressive showing against the Barbarians last month. Veteran centre Gordon D’Arcy is among the ranks despite having already played his final game for Leinster, with his full retirement following the World Cup. Conor Murray and Sean O’Brien had faced minor injuries in the build-up to this initial squad announcement, but both British and Irish Lions are expected to be fully fit well in advance of the August warm-up schedule. Rhys Ruddock’s second broken arm in six months has cost the Leinster flanker a place in Ireland’s World Cup squad. Press Association The 24-year-old missed the RBS 6 Nations after another arm break in European Champions Cup action against Harlequins in December. “Rhys Ruddock would have been selected but has been ruled out after fracturing his arm against Uruguay last week,” said head coach Schmidt. “The squad selection has been a long process with some very tight decisions. “Some injured players who are getting close to full fitness have been included while others have missed out due to prolonged absence or lack of opportunity to demonstrate their full Test match readiness.” Ruddock was included in Emerging Ireland’s Tbilisi Cup campaign to help boost his match time in readiness for the World Cup training camp. Instead the Ireland Under-20s graduate must now sit out of the entire build-up and tournament, suffering his latest arm injury in the 33-17 victory over Uruguay. Leinster’s forward duo Jack Conan and Tadhg Furlong are the only uncapped men in Ireland’s ranks, as the double Six Nations champions prepare to kick-start their World Cup preparations. Schmidt’s squad will convene at their Carton House base on Sunday night, with four warm-up matches scheduled for August and the first week of September. Head coach Joe Schmidt admitted Ruddock would have made his initial World Cup training squad, but for the broken arm sustained while captaining Emerging Ireland against Uruguay. Schmidt confirmed Paul O’Connell is the captain of his 45-man training squad, with Ruddock the main casualty.
“Our record revenue and EBITDA (earnings before interest, taxes, depreciation and amortization) guidance for 2016 reflects the underlying strength of our business and our confidence in its continued growth.” United, owned by the United States-based Glazer family, also announced they will seek to raise another 400million US dollars (£257.5million) by selling new shares on the New York Stock Exchange. The move was announced in a filing to the US Securities and Exchange Commission saying that the club will make 24 million Class A shares available. The Glazers have three years under the current prospectus to go ahead with the share sale. The Glazer family who own Manchester United are set to make more than £15million in dividends from the club this season. United announced today it will pay a dividend to shareholders for the first time since the shares were sold on the New York Stock Exchange in 2012, at a rate of 4.5 cents per share per quarter. The five sons and one daughter of the late Malcolm Glazer own 80 per cent of the 180million shares. Avram, Joel, Kevin, Bryan and Edward Glazer, and their sister, Darcie Glazer Kassewitz and stand to make a total of £15.2million – £2.5million each annually. United say the club’s strong financial position and predicted income allow them to pay a dividend while still investing in players and competing at the highest level. A spokesman said: “In addition, there are significant funds available for transfers and wages and the dividend won’t impact the club’s ability to buy top players.” Manchester United vice-chairman Ed Woodward has raised the prospect of more expensive signings by the club next year by predicting bringing fewer players in – but not necessarily less spending. Asked by one investor if 2015 represented a peak in terms of capital investment in players, Woodward said: “Was 2015 a peak? I think it’s impossible to answer that question. We have seen a large number of ins and outs in terms of the squad in the last couple of summer windows. “We have previously guided on a more modest number in and out. It is a number-times-price calculation – the number can vary and obviously the price can vary quite materially based on who you are purchasing so it is difficult for us to guide on that.” United announced they expect to become the first English club to break the £0.5billion income barrier this season after revealing the full cost of the absence from the Champions League last season. The club reported revenues down last season by 8.8 per cent to £395.2million. United’s income fell by £38million from £433.2million – the loss of £50million in income from Europe being partially offset by an increase in commercial income. United’s adjusted profit was down to £3.1million from £28.7million, and gross debt increased to £411million from £341million a year ago – partly due to refinancing old bonds and partly due to exchange rate changes with the dollar. Net debt however was down to £255.2million from £275.4million. As in previous years, the club has budgeted on Louis van Gaal’s side reaching the Champions League quarter-finals. Woodward added: “As we look to the new season, we are enthusiastic about our strong position, both on and off the pitch. “In recent weeks we have further strengthened our squad with an exciting mix of experience and youth, qualified for the group stage of the UEFA Champions League, and seen an impressive launch of our partnership with adidas. Press Association Woodward, speaking on a conference call with United investors, said that he anticipated fewer players coming into the club – but could not guarantee a drop in the overall amount spent on transfer fees. United spent more than £115million during the summer including £36million on teenage French striker Anthony Martial, but sold £59.7million record signing Angel di Maria to Paris St Germain for around £45million.
WE EXPECT help whenever we are injured while playing a sport. We also expect the helpers to know what they are doing. A qualified first-aider should be present at every match and training session. There are a number of serious injuries and conditions that require prompt action, therefore, we should know what to look for and how to act if someone is seriously injured. When a sportsperson has stopped breathing, we can restart their respiratory system by forcing air into their lungs. We can do this by giving mouth-to-mouth ventilation (MMV). If their heart has stopped beating, we can try to get it beating again by cardiopulmonary resuscitation (CPR) or a cardiac massage. However, we should always try to send for medical assistance. The following procedures can be applied while waiting for help to arrive. Mouth-to-mouth ventilation (MMV) MMV, referred to sometimes as the ‘Kiss of Life’, is an emergency procedure used to restore breathing by inflating the casualty’s lungs with your own breath. This usually helps the casualty to breathe on his own again and may very well save his life. 1. Have the casualty lie on his back and then open the airways by lifting the chin and tilting the head back. 2. Clear the mouth and throat of any obstruction. 3. Pinch the nostrils closed with thumb and index finger to prevent air from escaping. 4. Take a deep breath. Seal your lips firmly around the casualty’s open mouth. Breathe out smoothly and firmly until the chest rises. Take your mouth away watch the chest fall. 5. Take another deep breath and repeat. Repeat with one breath every six seconds for one minute. If breathing hasn’t returned within one minute, continue MMV, and check for pulse. If there is no pulse, start CPR. If breathing returns, place casualty in the recovery position. Cardiopulmonary resuscitation (CPR)/ cardiac massage If you are certain that the person has no pulse, CPR is a way of forcing a stopped heart to beat while waiting for medical help to arrive. 1. Check for a pulse. If the heart has stopped, there will be no pulse, the skin will be pale, lips blue, and arms and legs will be limp. 2. Place the person on his back and use the fingers to find the point where the ribs meet the breastbone. Put your middle finger over this point and your index finger higher up on the breast bone. 3. Put the heel of the other hand on the breast bone just above your index finger. This is the point where pressure should be applied. 4. Place the heel of the other hand on top of this hand and interlock your fingers. 5. Lean over the person with your arms straight. Press down firmly on the breast bone to a depth of about 45cm, then rock backwards to release the pressure. Keep your hands in place. Repeat at a rate of about 100 compressions in a minute. 6. Check pulse regularly. Stop compressions as soon as pulse returns. MMV and CPR If the casualty isn’t breathing and has no pulse, the following actions must be taken. 1. Open his airway and give two breaths using MMV. 2. Give 15 chest compressions. 3. Give two breaths. 4. Give 15 chest compressions. 5. Repeat the above until help arrives, while checking breathing and pulse regularly. The recovery position Always use the recovery position for an unconscious person who is breathing. The position is slightly altered if the person has certain injuries. An individual can be rolled into the basic recovery position by doing the following. 1. Tilt the head back. This prevents the tongue from blocking throat and closing off the airways. 2. Keep the neck and back in a straight line. 3. Keep the hip and knee both bent at 90 degrees. This keeps the body safe, stable and comfortable. 4. Use the individual’s hand to support the head, which should be slightly lower than the rest of the body. This allows fluids to drain from the mouth. 5. Check pulse and breathing regularly while waiting for medical help. NB: The Red Cross and other organisations, conduct first aid courses. With a little training we may be able to provide life saving assistance in an emergency. Next Week: Health and Nutrition