Get rich and retire early! You really can make a million by investing in FTSE 100 shares today

first_img 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. 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. Get rich and retire early! You really can make a million by investing in FTSE 100 shares today Harvey Jones | Saturday, 11th July, 2020 Whenever I write that you can make a million from investing in FTSE 100 shares, I do a double take. Is that really possible, for ordinary people?A million pounds is an awful lot of money. If you can save that much, you will feel rich and be free to retire early. Unfortunately, you won’t make it overnight. I don’t want to be misleading here.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…I have another worry. I don’t have a once-in-a-lifetime stock tip up my sleeve, that will make you a million if you buy it today. I didn’t spot the last Amazon or Apple, and I couldn’t direct you to the next one, either.Sorry.Investing in FTSE 100 shares does not work that way. There is no fast-track to making a million, and no magic wand either. Instead, you have to work at it. By building a balanced portfolio of shares and holding them for the long term, while reinvesting all your dividends for growth.Start early, save often in FTSE 100 sharesTo have the best chance of making a million from shares, you should ideally start early. If you are in your 20s, you have an edge. Retirement is 40 years away.You could turn £500 into a million, provided you invest that sum every month. If you started at age 28 and made an average total return of 6.5% each year after charges, by age 68 you would have £1.12m.People in their 20s have other priorities, though. Paying down debt, saving for a property deposit, having fun, and so on. Covid-19 is set to make life harder for young people, with job losses set to mount once furlough ends in October.Everybody should have an emergency stash of cash on easy access to cover six months of rainy day spending. After that, long-term funds should go into the stock market. Equities will make your money work harder than almost every other asset class.You can be rich even if you don’t make a millionIf you are in your 30s or 40s, you will have to work and invest harder to make that million. I’m afraid £500 a month won’t do it. Starting at 38, you would have to invest £1,000 a month, which would give you £1.1m on retirement, with the above growth rates.That assumes you are starting from scratch. You may already be well underway, if you tot up your various pension and ISA holdings.If retirement is just 20 years away, you have to put your foot down. That would mean saving the equivalent of £2,000 a month. Luckily, you are unlikely to be starting from scratch. Existing pensions and ISAs will be your launchpad.The later you leave it to make a million, the harder it will be. There is one consolation, though. Even if you fall short, you could still have hundreds of thousands of pounds.If you invest inside a Stocks and Shares ISA, that money will be free of tax for life. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this.center_img 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. “This Stock Could Be Like Buying Amazon in 1997” Harvey Jones 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. Enter Your Email Address See all posts by Harvey Jones Our 6 ‘Best Buys Now’ Shareslast_img read more

Canada blasts Denmark, sets up New Years clash against USA

first_imgQuinton Howden, Ryan Strome, Freddie Hamilton, Brendan Gallagher and Brett Connolly each had a goal in front of 16,275. Strome has eight points in three games. Canada scored seven times before Nicolai Meyer and Emil Kristensen replied for Denmark in the third period. The Canadians gave Denmark’s Sebastian Feuk a workout in net, peppering him with 51 shots. Mark Visentin stopped 24-of-26 shots in Canada’s net for his second win of the tournament. Canada tops Pool B at 3-0 ahead of the U.S., Finland and the Czech Republic at 1-1. Denmark dropped to 0-3. The U.S. face the Czechs and the Finns take on the Danes on Friday.Wednesday, all the 5-on-3 power plays and all the great netminding by Petr Mrazek couldn’t get the Czech Republic past Team Canada at the World Junior Hockey Championships.Barrie Colts forward Mark Scheifele scored twice and Scott Wedgewood of the Plymouth Whalers stopped all 26 shots to power Team Canada to a 5-0 victory at Rexall Place in Edmonton.Canada now leads Pool B of the 10-team tournament undefeated in two games.Mark Stone of the Brandon Wheat Kings, Ryan Strome of the Niagara IceDogs and Brett Connolly of the NHL’s Tampa Bay Lightning also scored for Canada.The Czech Republic had a great chance to score in the first period on a two-man advantage but it was Team Canada leaving the frame with a 1-0 lead on a goal by Stone, his fourth of the tournament.The Brandon forward could have made it 2-0 but was stopped by Mrazek on a penalty shot after a Czech player smothered the puck in the goal crease.Canada broke the game open with a pair in the second period before Scheifele, a first round pick of the Winnipeg Jets, scored twice in the third, once on a power play.Canada faces Denmark (0-2) on Thursday.The host country concludes the preliminary round Saturday against the United States, upset 4-1 by Finland earlier to put both countries at 1-1.In Pool A games in Calgary, Sweden edged Switzerland 4-3 in a shootout, while Russia was to face Slovakia in a later game.Sweden was 1-0-1, while the Swiss picked up their first point of the [email protected] Canada flexed its offensive muscles, and depth down two players, to bounce Denmark 10-2 Thursday at the 2012 World Junior Hockey Championships in Edmonton. Canada improves to 3-0 in Pool B and now meets the USA in the traditional New Years Eve battle at Rexall Place Saturday. Down two players — Devante Smith-Pelly is out of the  tournament due to a broken foot and forward Michael Bournival sat out the game Thursday because of what Canadian head coach Don Hay says is the flu — Canada took it to the Danes. Mark Stone continued his torrid scoring pace for Canada with two goals and an assist. The Winnipeg winger has a team-leading six goals in the tournament. Defencemen Scott Harrington had a goal and three assists and Brandon Gormley had scored twice. last_img read more

Jake Lane wins Links junior open

first_imgConnor Kindrat 91 (73)Chase London 99 (81)Richard Wainwright 118 (91)Tyler McArthur 86 (68)Curtis Hammond 95 (60)Advertisement Kurtis Wainwright 122 (86) Fort St. John Links held their annual junior open yesterday and finishing first was Jake Lane as he shot a 68. He shot a 37 through the front nine but really flipped the switch on the back nine as he shot 31.Lane admitted that it had been awhile since he teed off at Links so it took him a bit of time to get his feet under him and get comfortable with the course.“This is the first time that I’ve played this course in about two years. I just got use to it on the front nine and played okay, not bad. The back nine I hit it really close and had a good iron game and lots of birdies.”- Advertisement -Twelve players took part in the event. Below are the results with gross and net strokes included.Jake Lane 68 (68)Adam Krueger 81 (76)Advertisementcenter_img Sterling Middleton 93 (81)Jacob Lang 92 (76)Aiden Craig-Steele 92 (76)Wesley Phan 93 (75)Advertisementlast_img read more

Raiders hurting after loss in London, but not as much as their fan base

first_imgClick HERE if you’re having trouble viewing the gallery on your mobile device.For complete Oakland Raiders coverage follow us on Flipboard.The Raiders’ 27-3 loss to the Seattle Seahawks Sunday in London’s Wembley Stadium was much worse than the final score or the final statistics — both of which were bad enough.It represented the loss of hope for the season as well as the chance any East Bay-based fans will ever have of seeing an NFL team in Oakland amount to anything more than an …last_img read more

Medupi power station ‘ready by December’

first_img29 July 2014 Public Enterprises Minister Lynne Brown says she is confident that construction of South Africa’s new coal-fired power plant, the 4 764 MW Medupi power station near Lephalale in Limpopo province, will be completed by December. Brown said this in Cape Town on Tuesday when she, along with Energy Minister Tina Joemat-Pettersson and the top management of state electricity company Eskom, appeared before Parliament’s portfolio committees on public enterprises and energy. The R105-billion power plant is expected to ease the pressure from Eskom’s ageing power grid, which in recent months has been battling to supply electricity to both residential and industrial customers. Brown said that despite many challenges and construction delays, she was “very confident” that the synchronisation of Medupi’s Unit 6 into the national power grid would happen by December. Medupi is one of the two large coal-fired stations that Eskom is currently building. It will the first South African power station to have “super-critical” technology, and one of the world’s largest dry cooled stations, so it will much more efficient than older coal-fired stations. The other station, Kusile, is located in Mpumalanga province and will have the same technology but with the addition of flue-gas desulphurisation, a state-of-the art technology used to remove oxides of sulphur from the exhaust flue gases of coal-fired power plants. President Jacob Zuma, in his State of the Nation address last month, said the government would pave the way for a “radical transformation” of South Africa’s energy sector as it moved to address one of the major constraints to faster economic growth in the country. This transformation, he said, would require “structural changes in the manner in which government departments, affected state-owned companies and the industry as a whole address the energy challenges”. It would also call for an injection of capital and human resources into the sector, as well as innovative approaches to fast-track procurement and delivery by the government in the sector. On Tuesday, Brown stressed the importance of increasing Eskom’s power supply capacity, saying the parastatal’s performance was vital to the country’s economic growth. She added that she wanted Eskom’s new CEO to be announced no later than mid-August. Former CEO Brian Dames stepped down at the end of March. “Following this, I have urged the board to move rapidly to fill all the other critical vacant executive positions to ensure the sustainability of the company.” She said she had also given Eskom’s board until September to produce a plan on ensuring the sustainability of South Africa’s national power grid. and SAinfo reporterlast_img read more

Female refugees face particular problems

first_imgThe particular issues and challenges of female refugees were the focus of a Women’s Month event at the Joburg Metro Centre that included the Consortium for Refugees and Migrants in South Africa (Cormsa), the Department of Home Affairs, and the city of Johannesburg.Home Affairs Deputy Minister Fatima Chohan said the winds of change had brought economic emancipation. “The African consumer market is of great interest to investors and Africa is still the great untold story. We want, as women, an Africa that is peaceful, prosperous and celebrates diversity. This is the birthplace of humankind… We are underrepresented in all spheres, political, social and economic. We must empower women.” (Image: DHA)Melissa Jane-CookAugust is Women’s Month in South Africa and discussions, events and celebrations are held throughout the month. South Africans should “support social cohesion, move the agenda for women forward, encourage social economic empowerment and eliminate violence against women and children”, said Nonceba Molwele, Joburg’s mayoral committee member for health and social development, speaking at the event on 25 August.Cormsa executive director Sicel’mpilo Shange-Buthane brought attention to migrant issues and migrant rights. “We need to highlight women. Woman all over the world face challenges and struggles, but in a foreign land it is even worse. There are issues that need to be addressed, what it means to be a human being and how in a foreign land the conditions are not always favourable for women to thrive.”Frequently, these were family issues that could not be resolved. Migrant and refugee women who turned to the police were often ridiculed and not offered help. “There is great discrimination that women and children face,” said Shange-Buthane.Cormsa, a non-profit organisation, promotes and protects the rights of asylum seekers, refugees and international migrants. Members include legal practitioners, research units, and refugee and migrant communities. In meeting its mandate, it develops working relationships with service providers, government departments and other stakeholders.Home Affairs Deputy Minister Fatima Chohan said the winds of change had brought economic emancipation. “The African consumer market is of great interest to investors and Africa is still the great untold story. We want, as women, an Africa that is peaceful, prosperous and celebrates diversity. This is the birthplace of humankind… We are underrepresented in all spheres, political, social and economic. We must empower women.”Her department had a key role to play in the safety and security of South Africa and its citizens. “It contributes directly to three of the 12 national outcomes – that all people in South Africa should feel and be safe, that our country should have a skilled and capable workforce to support an inclusive growth path, and that we need to develop an empowered, fair and inclusive citizenship.”The management of refugees, legal services and the front office improvement project, her specific areas of responsibility, were all linked to these outcomes. “South Africa is part of a global world where the security and socio-economic realities in one country impact on the security and economy of other countries.“On the one hand, we have an obligation in terms of our values as a nation to fulfil our constitutional and international obligations to protect persons who have a well-founded fear of persecution or are escaping from life-threatening situations. To this end, we need to adjudicate asylum seekers efficiently, fairly and humanely and integrate those persons accorded refugee status into our communities,” she said.“On the other hand, we need to put a stop to the large scale abuse of the asylum seeker system in South Africa as this places genuine asylum seekers at a disadvantage and creates social and economic risks for the country.”South Africans would agree that there had been steadfast improvement in the Department of Home Affairs. “We remain committed to further improve our operations to ensure that we have a safe and secure South Africa where people are proud of, and value, their identity and citizenship.”In terms of the National Development Plan’s objective to facilitate faster and more inclusive economic growth, the country needed refugee policies, legislation and processes that would address national priorities, maximise benefits and reduce risks to the country.To achieve this, the department would, among other steps:• Finalise the implementation of its policy position to relocate refugee reception centres closer to borders, with the help of the Public Works Department;• Improve international co-operation, especially in the Southern African Development Community (SADC), regarding the management of asylum seekers and refugees; and,• Develop an immigration policy document that proposes strategies for the management of unskilled economic migration to streamline the refugee process and to integrate genuine refugees into South African society.About the second point, Chohan said agreement was needed between SADC countries on how to manage refugees and asylum seekers who were nationals of third countries, as well as how to implement the first safe country principle.The challenges were two-fold: to create access to the formal economy for those who had no access, and to help women move up the corporate ladder if they were already in the economic landscape. “Africa must work towards achieving peace. As women we must own the continent; we must make sure she prospers and ensure we are on the move.”Would you like to use this article in your publication or on your website? See Using Brand South Africa material.last_img read more

What Exactly Is a Low-Load Home?

first_imgI found out last month that the Air Conditioning Contractors of America (ACCA) is working on a new design manual.  You certainly know of some of their other manuals:  Manual J, Manual S, Manual D, Manual T… maybe even Manual P. They have quite a few others as well (H, Zr…) but now they’re working on one that will address a part of the market we encounter more and more often.  And that would be low-load homes.ACCA put out a call for volunteers to work on the manual in the spring of this year.  (Applications were due in April, so it’s too late to apply now.)  The objectives of the new manual, at least as specified in the call for volunteers, are:Defining low-load homes’ characteristics (i.e., low infiltration, sealed-combustion appliances, ducts in conditioned space, low CFM exhaust fans, etc.).Resolving ventilation requirements (for occupant health and safety) while maintaining moisture control.Addressing ancillary dehumidification equipment for humid locations.Offering air distribution strategies for occupant comfort; especially problematic when a 2,000 square foot home (and larger) may only need one-ton of air conditioning (hence, only 400 cfm of total airflow is available). 1,500 square feet per ton of coolingAt the ASHRAE conference in Houston, I spoke with someone who’s on the task force and was told they’re defining a low-load home as a house that has a house-size-to-load ratio of 1,500 square feet per ton or greater.  That sounds about right to me.  At the low end, that means a 2,000 square foot house would need only about 16,000 BTU per hour of heating or cooling capacity. That’s an air conditioner or heat pump smaller than 1.5 ton!And that’s just the starting point for low-load homes.  We’ve done load calculations for homes that are in the 2,500 to 3,000 square feet per ton range.  (See my 2016 article with data from our results.)  Here we’re talking about a 2,000 square foot home that needs less than a ton of cooling. As the objectives above point out, heating or cooling 2,000 square feet with 400 cubic feet per minute (cfm) of air flow is a challenge.This is an important issue because manufacturers have been slow to make low-capacity equipment for low-load homes.  Yeah, I know what some of you are thinking:  Why should manufacturers make smaller equipment since low-load homes are just a tiny niche in the larger market?Condos and apartments have low loadsAh, but that’s not really true.  Low-load homes may be a tiny niche among single-family detached homes but not when you get to multifamily homes (apartments and condos).  Because of all the adiabatic walls, floors, and ceilings (i.e. parts of the building enclosure with no temperature difference and thus no heat flow across them), many multifamily dwelling units hit that low-load threshold of 1,500 s.f./ton simply by meeting code. And to make it even worse, they’re smaller and thus need smaller equipment — even when they’re not that efficient.Back in 2012, Professor John Straube gave a full-day presentation on mechanical systems for low-load homes at Building Science Corporation’s Experts’ Session.  He’s a Canadian and gave only a number for heating, but he defined a low-load home as one having a peak heating load of 15,000 to 30,000 BTU/hour. Most code-compliant multifamily dwellings would be there or lower.Homes meeting the Passive House standard have low loads, tooPassive House is the ultimate low-load home program.  They’re all about increasing the insulation and airtightness while decreasing the heat transfer through thermal bridges.  Their requirements result in homes with heating and cooling loads in the range of 2,500 to 3,000 s.f./ton.The German Passivhaus program’s peak heating load limit is 3.2 BTU/hour/s.f. Converting to s.f./(12,000 BTU/hour) yields 3,750 s.f./ton. (One ton of heating or cooling equals 12,000 BTU per hour.)  I believe the PHI peak cooling load is the same with an allowance for dehumidification. PHIUS peak load limits vary by location (since they believe one size does not fit all).  Peak heating load thresholds vary from less than 2 BTU/hour/s.f. to about 7 BTU/hour/s.f. Those numbers convert to 1,700 s.f./ton to 6,000 s.f./ton.The PHIUS peak cooling loads are specified two ways.  There’s one limit for the Passive House calculations and a different limit for the Manual J calculations.  In Anchorage, Alaska, for example, those numbers are 2.6 BTU/hour/s.f. (4,615 s.f./ton) and 3.7 BTU/hour/s.f. (3,243 s.f./ton) respectively.  In Scottsdale, Arizona, the numbers are 7.9 BTU/hour/s.f. (1,519 s.f./ton) and 11.3 BTU/hour/s.f. (1,062 s.f./ton).Here in the Atlanta area, the numbers are 4.8 BTU/hour/s.f. (2,500 s.f./ton) and 6.9 BTU/hour/s.f. (1,739 s.f./ton). (Here’s the link to the PHIUS map should you want to check it out.)Heating and cooling with minisplit heat pumpsIn our HVAC design work at Energy Vanguard, our clients often end up going with something other than conventional equipment for the homes with really low loads.  Ducted and ductless minisplit heat pumps, mostly Mitsubishi, are the standard choice in those cases. (Disclosure: Mitsubishi is an advertiser in the Energy Vanguard Blog.)In the world of green building, we talk about low-load homes a lot.  We know it’s possible.  We’ve been proving it for a long time now.  But we’ve been a small niche in the market.  With the pressures of improving energy codes, accelerating climate change, and increasing multifamily construction, low-load homes are making their presence known.  That the HVAC contractors’ trade association, ACCA, is working on a low-load homes manual proves it. Allison Bailes of Decatur, Georgia, is a speaker, writer, building science consultant, and the author of the Energy Vanguard Blog. You can follow him on Twitter at @EnergyVanguard. RELATED ARTICLESChoosing HVAC Equipment for an Energy-Efficient HomeHeating a Tight, Well-Insulated HouseHeating Options for a Small HomeFinally, a Right-Sized FurnaceUsing a Tankless Water Heater for Space Heat Will Minisplits Replace Forced-Air Heating and Cooling Systems?Just Two Minisplits Heat and Cool the Whole HouseMechanical Systems for Low-Load Buildingslast_img read more

RED Announces Helium — An 8K Super 35mm Sensor

first_imgRED builds a breathtaking custom camera for Michael Bay. The BAYHEM features the company’s all new 8K Super 35mm sensor.Top image via RED/Jarred LandLeave it to Michael Bay to get the latest custom RED camera, one that looks a bit like a Transformer itself. The BAYHEM camera features an eye-popping lime green paint job — but its most impressive feature is an all-new RED sensor.Image: Michael Bay’s custom 8K Super 35mm RED Camera via Jarred Land The 8K super 35mm sensor has been nicknamed Helium, which is the first of a new 3.65 micron sensor line of cameras. The 8K super 35mm Helium will soon be available for WEAPON sensor upgrades, with plans for a new Epic-W using the new tech. Image: Michael Bay’s custom 8K Super 35mm RED Camera via Jarred LandAs many of you might have noticed, our new Helium 3.65 micron pixel is complete and ahead of schedule… WAY ahead of schedule. Helium’s first sensor is the 8K s35 build on a completely new sensor line and will be available to WEAPON customers in the coming months. (Or the coming weeks for those that know where to look.) Helium will take pressure off our DRAGON sensor lines and allow those lines to completely focus on RAVON and SCARLET-W sensors. — Jarred Land, President RED Digital CinemaHere’s a great look at the sensor tech matched up to RED’s other sensors and other popular film formats from Phil Holland via the RedUser forum.Image via PHFXCompared to the new 8K Vista Vision sensor being tested on Guardians of the Galaxy Vol. 2, the Helium has much smaller and denser pixels. Guardians director James Gunn is on record expressing his excitement for the 8K Vista Vision because of the massive amount of data they could get for VFX heavy films.The large sensor size and super high resolution offered by the new WEAPON 8K, combined with its lightweight and compact size open up a whole range of new creative possibilities. — James GunnAs far as custom builds go, Bay isn’t the only one getting awesome cameras from RED. David Fincher recently scored the Alien-inspired RED Xenomorph for his Netflix original, Mindhunter.What are you thoughts on this new Michael Bay beast? Let us know in the comments below.last_img read more

a month agoFred confident he can make it with Man Utd

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Fred confident he can make it with Man Utdby Paul Vegasa month agoSend to a friendShare the loveFred is confident he can make it with Manchester United.Fred emerged for his first league appearance of the campaign against Leicester earlier this month and has started two of the last three games but is yet to line up in a league fixture.Sources close to Fred have told the Manchester Evening News they view his first year in England as one of ‘adaptation’, since the Brazilian was taken aback by the demands of the Premier League after five years with Shakhtar Donetsk in the Ukrainian Premier League. Fred has already made arrangements to do extra conditioning to prepare him for a season where United could play over 60 matches.The differences between Ukrainian and English football have been described as ‘notorious’ and Fred, despite his experience, is understood to have found the day-to-day routine at United much harder than he experienced in the Ukraine or Brazil. last_img read more