Forget the State Pension. I’d drip-feed £175.20 a month into a SIPP to retire rich!

first_img 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. Forget the State Pension. I’d drip-feed £175.20 a month into a SIPP to retire rich! Paul Summers | Monday, 26th October, 2020 See all posts by Paul Summers Enter Your Email Address Adventurous investors like you won’t want to miss out on what could be a truly astonishing opportunity…You see, over the past three years, this AIM-listed company has been quietly powering ahead… rewarding its shareholders with generous share price growth thanks to a carefully orchestrated ‘buy and build’ strategy.And with a first-class management team at the helm, a proven, well-executed business model, plus market-leading positions in high-margin, niche products… our analysts believe there’s still plenty more potential growth in the pipeline.Here’s your chance to discover exactly what has got our Motley Fool UK investment team all hot-under-the-collar about this tiny £350+ million enterprise… inside a specially prepared free investment report.But here’s the really exciting part… right now, we believe many UK investors have quite simply never heard of this company before! 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. Paul Summers 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.center_img Our 6 ‘Best Buys Now’ Shares Image source: Getty Images Simply click below to discover how you can take advantage of this. The high-calibre small-cap stock flying under the City’s radar At just £175.20 a week, I know the new State Pension is unlikely to give many the lifestyle they crave in their golden years. But don’t despair! Today, I’ll show how investing this exact amount every month into a Self-Invested Personal Pension (SIPP) can be the pathway to wealth, even millionaire status! Let’s start by revising a few facts about the SIPP. 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…SIPP it to retire rich!Anyone serious about growing their wealth for retirement should consider opening a SIPP. Like the Stocks and Shares ISA, this is a tax-efficient savings vehicle. It won’t involve paying capital gains tax on any profits made from the investments. There isn’t even any income tax payable on any dividends received from the stocks owned. Over time, this really matters.There are a few other reasons for investing via a SIPP. Perhaps the most enticing of these is that any contributions made into the account qualifies for tax relief at a normal tax band. So, investors like me paying the basic rate (20%) will receive a 25% top-up from the government. In other words, £80 saved into an account becomes £100 after tax relief. Another positive is that I can save up to £40,000 in any one tax year. That’s double the ISA allowance!£175.20 a month = retirement freedomBack to the matter at hand. Let’s assume I’m saving the equivalent of the weekly State Pension (£175.20) into a SIPP every month. Thanks to the tax relief mentioned above, I would receive an extra £43.80 from the government, bringing the total monthly contributions to £219. Lovely!Now, let’s assume I’m 40 years-old and I make these monthly instalments for the next 30 years. After all, there’s a possibility only those 70 and over might be able to access the State Pension by 2050. In 30 years, I will have saved a total of £78,840 according to my calculations. Let’s say this is invested this in the stock market and a penny wasn’t touched. I think I will be amazed by the results.Wow! How much?By 2050, that £78,840 will have grown to almost £175,000, assuming a 5% annualised return. As great as this sounds, the outcome could be even better if the chosen investments have performed well. A 10% annualised return would produce a little over £432,000 after 30 years. A 15% annualised return would make me a millionaire!Of course, there are a few caveats. Keep costs lowFirstly, I must stress that there are no guarantees when it comes to returns. In reality, how much a person makes depends hugely on the age at which they begin investing and what they’re invested in. Small- and mid-cap companies tend to perform much better than big stocks over the long term, but they’re also far more volatile in the interim. Secondly, I’ve not taken account of any fees related to managing the SIPP, some of which will be unavoidable. Having said this, investors can keep costs low by not continually trading in and out of stocks. I’d just buy and hold.In spite of these points, the numbers don’t lie. Look at how much money I could make by regularly saving into a tax-efficient account and trusting in the power of compounding!I’d start investing the equivalent of the State Pension now and will be far less likely to be reliant on said State Pension in retirement. Click here to claim your copy of this special investment report — and we’ll tell you the name of this Top Small-Cap Stock… free of charge!last_img read more

Read More

Pete Radovich, creative director of CBS: The promotion that football has brought to Croatia is invaluable

first_imgTell the story by reaching an emotional connection with the people you need to reach, not by pushing your product to them, said Pete Radovich, creative director of CBS, winner of the most prestigious awards in the world of marketing and communications on one of the most visited panels. Croatia means football? at the Weekend Media Festival held in Rovinj, and added: “You can make and tell a story from everything, but to make a good story is an art. Every good story needs patience, good research and a focus on emotions.”Or translated into the tourist language, let’s not sell accommodation, but a destination. We need to sell emotions, experiences and stories. Let’s tell stories, our authentic stories.On the other hand, the lecture ‘Tell Me A Story’ was focused on sports as an ambassador of tourism, and of course motivated by the historical success of our national football team. And here we can certainly connect the development of sports tourism as an important segment. “Sport is the only content that must be watched live because that is the only way to get a complete experience. News, movies, series – everything else can be watched ‘on demand’, except sports. People organize their lives around TV schedules only because of sports, and that is the added value of sports in the promotion of the state, which is impossible to surpass. ” concluded Pete Radovich, creative director of CBS, at one of the most visited panels ‘What does football mean for the Croatia brand?’.Photo: Weekend Media FestivalThe Croatian national team ‘swept’ the World Cup and afforded us hundreds of thousands of articles, TV reports, billions of tweets and searches about Croatia. Everyone wanted to know where Croatia was and who these dice people were. CNTB reacted immediately and gave people what they asked for – they started the campaign and during the matches determined the geolocations by precisely targeting the audience and showing them the promo video “Croatia full of life” with Croatian footballers. “We created an abbreviated version of the promotional video Ambassadors of Croatian Tourism, in which we left only shots in which Croatian football players appear. The results were excellent. ” said Kristjan Stanicic, director of the Croatian National Tourist Board.On the eve and during the match with England, the focus was on the area around Luznhiki Stadium, and after the match on the entire Moscow area. On that occasion, the shortened version of the promotional video was viewed over 250.000 times, and after the Croatian victory and entering the finals, the “view rate” of the video increased by 161 percent. ‘The success of the footballers made our job easier, and we reacted in time. We were recently visited by a photographer who was “run over” by Mandžukić and the team during the celebration, and the campaign for the post-season is still ongoing. ‘, said Staničić and added that in all emitting markets there has been an increase in interest in Croatia, and September is also very good in terms of numbers.’I think the effect of the SP will leave an even deeper mark. Compared to competing countries, Croatia has a significantly smaller budget, so such successes in sports really help promotion. It is gratifying that in some emitting markets we are recording a double-digit increase in bookings and interest’, said Stanicic. CNTB conducts campaigns in the American and European markets and in Asian countries such as China and Japan. Depending on the trends in each country, campaigns are a combination of different channels, but are mostly based on digital tools.Photo: HNSLet us respect ourselves so that others may respect usZlatko Dalic, the selector of the Croatian national football team, is most proud of the fact that the championship has returned national pride and a somewhat lost identity to the Croats.’The silver is big, but maybe an even bigger thing is what happened during and after the championship. So much positive and pride, the dice were carried again, the children cheered… When we lost in the final there were a lot of inscriptions ‘you didn’t win the championship but you won our hearts’, Dalic pointed out.Apart from the silver medal, the coach in Croatia put Croatia in focus when he insisted that he and the footballers speak exclusively in Croatian at press conferences. There is one anecdote with a Sky News reporter. After one of the matches, he asked Dalic a question in English. The Croatian coach answered in Croatian. After the victory of the Croatian national team against England, the same journalist came, took a tablet and asked Dalic a question in Croatian.’The man showed respect that we may not have for ourselves. I’m sorry I didn’t get along and answered him in English, so I can pay my respects to him too. When I think about my industry, it seems to me that we don’t value ourselves enough, we’re not confident and brave enough. I said a few years ago that he would be the champion to give me Barcelona or Real. We constantly think that someone is better than us, but who is better than us? God has given us talent and knowledge. When you go shopping in neighboring countries, wear a Croatian jersey. Everyone will know where you are coming from, and you may even get a discount’, said DalicUnfortunately, we Croats do not respect ourselves, our tradition and culture. On the contrary, we seem to be ashamed of it, even though it is our greatest value and advantage over our competitors. Croatia does not have one story, but thousands of stories as well as thousands of islands, and I wonder when we will realize that tourists want our story.It is precisely our authentic story that must be our main tourist product. We must be what we are – Dalmatians, Slavonians, Istrians, Zagorje… Croats. Let us respect ourselves, so that others may respect us. And that is the answer to why Greece and Turkey are not or at least should not be our competitors. But only when we start telling our stories, not just selling sun and sea and striving for standardization. If we are making a copy of Venice or Tuscany, I wonder why then someone would come to see a copy when they can see the original. Simple, isn’t it?/// Watch this video which is an exclusive greeting to the Weekend Media Festival shot yesterday in New York, the studio of one of the most famous American sports shows about the NFL, Inside The NFL., and tells us about the importance and power of sports through the promotion and branding of the State.In the end, Pete Radovich confirmed that more and more people in America know about Croatia, and more importantly, more and more of them come here on vacation. Radovich said that the streets of New York were full of dice during the championship and that football greatly contributed to the promotion of Croatia. In the US they adore our jersey because it is different and ‘cool’.”A lot of Americans heard about Croatia, but they didn’t know much about it. During the finals, they googled ‘Croatia’ and saw beautiful photos of Croatia. And all because of football ” concluded Radovich, who, after the defeat by Croatia, forced his English colleague to wear a checkered jersey on the CBS show. It is estimated that between four and five million people watched the show.last_img read more

Read More

Blues may recall Lukaku and Sturridge will reject loan move – reports

first_imgChelsea could recall Romelu Lukaku from his season-long loan at West Brom in January, The People suggest.The Blues have an option to take the striker back and are tipped to do so if he does not get a regular starting place for the Baggies.The People also say Daniel Sturridge plans to reject loan offers and would rather leave Chelsea on a permanent basis in January.Liverpool were interested in a loan deal for Sturridge earlier this year and are expected to make another attempt to sign him when the transfer window opens, but the forward is apparently not keen on a temporary move.And The Sun on Sunday report that Chelsea manager Roberto Di Matteo has pleaded with owner Roman Abramovich to do whatever it takes to keep Ashley Cole at the club.Meanwhile, Fulham are plotting a £12m bid for Aston Villa striker Darren Bent, according to the Sunday Mirror.Bent has been dropped and stripped of the captaincy by manager Paul Lambert and it is claimed Fulham will offer the player a way out of Villa Park.It comes after Whites boss Martin Jol indicated he would like to sign Bent, saying: “If your club wants to be top 10, you need strikers such as Darren Bent, who’ll score 15-20 goals a season.”This page is regularly updated.Follow West London Sport on TwitterFind us on Facebooklast_img read more

Read More

Photos: Curry rebounds in Game 4 but it wasn’t enough to beat Houston

first_imgGolden State Warriors guard Stephen Curry admitted that he didn’t have the best game against the Houston Rockets on Saturday.For Game 4, he came out strong in the first quarter making several layups. These were shots he missed the previously time they played. It was enough to keep the Warriors in it. Unfortunately, after several rallies led by Curry and forward Kevin Durant, Golden State couldn’t break through. They ended up losing 112-108.Although they lost, the Warriors can take heart, …last_img

Read More

Exploratorium’s Experience Experts Deliver Awesome iPad App

first_img“Perception is a strong subject for us,” says Sound Uncovered project director Jean Cheng. Designing a museum exhibit at the level of user experience comes right down to perception. “This app is about sound, but it’s really about you.” By causing you to notice weird things about your perception that you usually take for granted, the Exploratorium forces you to think more critically about your environment, and it does so purely through fun.I’m not going to spoil the illusions for you. If you have access to an iPad, you should download Sound Uncovered for free and try it yourself. Right now.But I will tell you about my favorites: I love “Find the Highest Note,” which presents a circular organ and demonstrates the mind-bending auditory Möbius strip known as the Shepard scale. As you move upward and downward in base pitch, the eerie Shepard tone’s partials replace each other at the top and bottom range of hearing. As a result, even though you’re moving up or down in pitch, it ultimately never sounds like it’s getting higher or lower. It’s the auditory version of the barber-pole illusion, where the corkscrewing shape seems to move upward or downward forever while remaining in the same place.What’s also cool about this exhibit in the app is that it doubles as a musical instrument.Another great social exhibit is the “How Old Are Your Ears?” test, which lets you slide down from an inaudibly high frequency into the ranges that humans naturally lose the ability to hear over time. The younger people in the room will start to hear an ear-splitting whine, but the elders won’t hear a thing until lower down.As we ran through the illusions at the museum, the construction crews periodically tested the fire alarm in the building, which pierced through our conversation. It was uncomfortable for a second, disrupting this carefully arranged social situation, but then we realized the building itself was demonstrating the very kinds of sensory and cognitive tricks we were playing with on the iPad. Extending its exhibit design to the iPad is a natural move for the Exploratorium. This museum came online in 1993, making its website among the first 600 in the world. The Exploratorium is like a laboratory for turning things into laboratories. In the same way it is turning its new U-shaped port building and the walkways and docks outside into a delightful maze of science experiments, it can turn flat, pixellated spaces into exhibits as well. And on the iPad, these experiments come to life, gaining the inputs of touch, movement, light and sound.It’s All About PerceptionThe two Exploratorium iPad apps so far are both “buffet-style” collections of short, multi-sensory exhibits. You can select from a table of contents or swipe through like a magazine. The first was Color Uncovered, which uses properties of the tablet’s display to demonstrate properties of light. The new app, Sound Uncovered, uses both the speakers and microphones, as well as text and video explanations, to show off some of the surprisingly bizarre properties of sound. 9 Books That Make Perfect Gifts for Industry Ex… 4 Keys to a Kid-Safe App 5 Outdoor Activities for Beating Office Burnout jon mitchell 12 Unique Gifts for the Hard-to-Shop-for People…center_img Simply SocialThe Exploratorium is not afraid to take risks with its apps. One exercise in Color Uncovered asks the user — with plenty of caution — to put a drop of water on the screen, which creates a magnifying bubble in which one can clearly see how pixels work. The team laughs about some of the App Store reviews they got from people who didn’t handle that part carefully.But the apps are simple and magazine-like, going out of their way not to overwhelm people less used to figuring out how iPad apps work. “We don’t want to further mystify people with this tech,” director of online engagement Lowell Robinson says. “Frank [Oppenheimer]’s dream was to demystify people about how the world works.” Accordingly, these apps are not about deep-down, immersive virtual experiences. “We’re trying to give you physical ways to test,” says Cheng. The apps ask you to try things, try them on others, and pass the tablet around.The Exploratorium apps are social, but not in the Facebook way. “Social in the old-fashioned sense where you’re sitting next to somebody,” Robinson says. We had a good laugh about that.Sound Uncovered for iPad is available for free on the iTunes App Store.Photos by Amy Widdowson. Tags:#apps#audio#iPad#music#science#sound Related Posts Everywhere Is A LaboratoryThe design of physical Exploratoreum starts with the goal of creating an experience and builds up from there. An iPad is just as good as a room in the museum if it’s the right place to focus the experience of an exhibit. “What makes the Exploratorium a unique place is that it’s the combination of a museum, a laboratory, and a developmental studio,” says Rob Semper, executive associate director of the museum.Semper is a physicist whose tenure at the Exploratorium goes back to designing some of its original exhibits with founder Frank Oppenheimer (also a physicist, who worked on the Manhattan Project with his older brother Robert Oppenheimer). Semper took a little time off from the Exploratorium to run the collaboration between Apple and Lucasfilm. Now he’s back creating museum exhibits again, both in San Francisco and at partner museums around the world. A museum under construction is an awesome scene. It’s like peeking backstage before the premiere of Broadway play, seeing the outer experience taking shape.The Exploratorium – a unique museum of science, art and human perception – is still two months away from its grand reopening. The lower floor is strewn with half-built exhibits and criss-crossed with caution tape. The upstairs is a buzzing office full of people planning for the big day and beyond. This vast new space on Pier 15 in San Francisco opens to the public on April 17.But on Monday the museum released Sound Uncovered, its second free iPad app, which the creators showed me during a visit to the unfinished museum. As I explored the app’s exhibits, the tablet disappeared in my hands. When you launch this app, you’re in the museum, no matter where you are.last_img read more

Read More