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Tuesday, 26 May 2020

A Cash ISA is making you poorer! These are the best FTSE 100 shares I’d buy to get rich




In May 2020, the best yields on a Cash ISA crawl just over 1 percent per annum. The rate of return is completely negligible. And instead of only making £100 a year on £ 10,000 of investment, I will be buying the best FTSE 100 shares to get rich. Rock-bottom interest rates are the reason for the failure of this epic Cash ISA.

The Bank of England is so worried about the United Kingdom economy that it has cut interest rates to 0.1%. Governor Andrew Bailey is also spoken about doing the unimaginable, and moving to negative interest rates.

ISA Cash?  no thanks

How does Money ISAs mean? Banks move their expenses on to their customers relatively easily. Therefore lower interest rates set by the central bank mean lower interest rates for customers of Cash ISA.

And then I would buy shares and my options for the best FTSE 100 shares with high dividend yields would beat anything you could hope to get out of a Cash ISA.

Do your research thoroughly to purchase the best FTSE 100 shares paid for by dividend. Using compound interest instead to reinvest any dividends and increase the share in these firms.

So look out for the traps of historically cheap FTSE 100 shareholdings in industries that will fail in the UK recession to come.

Evite this, buy it

At present, for example, I would stop buying stock of high street banks. Lloyds trads on the FTSE 100 at less than 30p a share, by far the cheapest.

This, I believe, is your best chance at getting rich and early retirement. A 10 per cent annual dividend yield (which is perfectly feasible over time) will pull in £1,000 a year on an investment of £ 10,000, 10 times better than an ISA cash.

Many companies are under pressure, as the country faces a sharp recession. But luckily, even in our poor economy, there are strong FTSE 100 companies that transact very well. And there are healthy investments to be made even though recession is looming.

But earnings for Lloyds should remain depressed for a long time to come in a super-low interest rate setting. Analysts at the Berenberg broker said: "Banks have seldom appeared so cheap, even though uncertainty has rarely been so strong."

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Alternatively, I 'd look for high-yield FTSE 100 dividend-paying businesses that make huge profits if the sun shines in the economy or storm clouds are in front.

I 'm talking about British American Tobacco likes who pay a dividend yield of 6.7 per cent when you buy their shares. This is the world's second-biggest tobacco company.

There is also SSE, which has sold off its unprofitable market business and is more focused on wind farms being developed and operated. I think on FTSE 100, it has one of the best opportunities for the future. It still proceeds to offer a high yield of 8.2%.

And well-placed multinational energy BP pays out 10.4 per cent yield. These are my choices for the best FTSE 100 shares. I assume that an investment in these shares will over time completely beat everything from a Cash ISA.

Thank You.

Monzo wanted to conquer America, then along came coronavirus




By the end of 2015, people in London's coffee shops and pubs started brandishing a new form of status symbol: a distinctive, hot coral, "Mondo" prepaid card. Silicon Roundabout tech bros gave out "golden ticket" codes to their friends to skip the queue and sign up for the card and its attached device. In 2017 Mondo changed its name to Monzo and became a fully licensed bank, changing its prepaid cards to standard debit cards connected to an existing account.

Monzo's upended a market reputation for conservatism in just over five years. It did something more than just creating a brand that is considered the gold standard for any new brand or service: it created a strong identity and forged a connection with customers. Monzo has managed to excite people about the banking. So, as dithered by incumbents, the challenger company did what every startup is trying to do: it scaled. Today, it has more than four million clients.

Around this time , the company ballooned from a small team squatting in early investor Passion Capital 's offices to an enterprise in the heart of the city with 1,500 employees. In June 2019, it became the second most successful fintech in the UK, worth £ 2bn, behind OakNorth alone (both were later overshadowed by the February 2020 $5.5bn (£4.5bn) valuation of Revolut).

"We changed the game," says 11: FS head of research at financial consultancy Sarah Kocianski. "Technology was available, and they were able to work for cheap. People were ready, everyone had a phone in their pocket, they were ready for the regulators. Monzo just made the biggest splash, partly because it was the loudest and partly because of the pace of attracting customers.

Monzo is now facing a big challenge. The startup bank is far from profitable, still relying on external funding, and its company accounts show that it has burned by cash as it expands, losing around £47.2 m in 2018, up from £ 30.5 m the previous year.

It faced a decrease of nearly 40% in its value in May 2020 as it tried to raise about £70-£80 m to survive the coronavirus pandemic, and soon after co-founder Tom Blomfield stepped down as CEO, eventually taking the position of president. But there are still great ambitions to it. Monzo's strategy is to grow from plucky competitor to major bank, expand into the massive US market – and eventually make a profit.


Some big competition is standing in its way: UK fintechs like Starling and Revolut, as well as conventional banks with much greater cash reserves (as of the end of 2019, neobanks had 19.6 million customers – Lloyds Banking Group alone had 30 million customers).

 It's going up against Chase Bank, Bank of America, Citibank and Wells Fargo in the US. So that is if it continues to stay on track in recent memory through the worst pandemic, when the Covid-19 epidemic plunges the global economy into recession so causes companies to collapse.

Itting on a rainy afternoon in March in one of Monzo 's glass offices, a few days before London is locked down, 34-year-old Tom Blomfield (right) leans conspiratorially forward. "By my money, I am terrible," he says. "I've got lots and lots of stories – bailiffs at one point gave me a notice because I didn't pay my council tax."

He 'd signed up for a service that changed the information automatically when you travel home, he says, but that didn't work. "I just wanted to get away from the faff. As I haven't adjusted my phone bill for fifteen years, I overpay all this stuff with a huge sum on home broadband, car insurance,.

He now says his rating is good, testing his score on the Monzo app. This would be – according to the Daily Telegraph, Blomfield, based on its investments in Monzo, was worth around £80 m in 2018. Yet his experience shows the ethos behind his business: to solve the most irritating banking problems, in a way open to everyone.

Blomfield may still look like a clean-cut professor of law at Oxford University but he's already a serial entrepreneur. When he was 21, he created his first venture,VK.com, Boso.com, an eBay for students, but didn't make much money (the startup was taken over by his more established co-founders, who managed to get financing, and eventually sold the business to a Canadian firm).

His next entrepreneurial venture, GoCardless payments service, struggled to raise seed capital when it was first released in 2011 (since then, it has raised $122.3 million in investment). He joined entrepreneur Anne Boden in 2014 to launch the first mobile-only bank in the UK, providing current accounts via an app and other products such as loans and mortgages.

The enterprise was later renamed Starling Bank and was initially called Bank Possible. Frequent conflicts have been well known between Boden and Blomfield, who held the position of chief technology officer at Starling. Both Monzo and Starling would not comment on the factors behind the split.


Thank you.

Coronavirus: What's the future for the office?





Nevertheless, after the lockout, almost half of the UK 's workforce say they've been operating from home-and several businesses have indicated that could be the future.

"It could be a thing of the past to place 7,000 employees in a house," Barclays' boss said, while Morgan Stanley's chief said the bank should have "far less real estate." Instead of spending the £35 m he spends on lavish offices in men, businessman Sir Martin Sorrell has said.

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Bruce Daisley, who is author of The Joy of Work, says the game is up for the workplace as we know it.

"We may get misty-eyed about it, sadly, but I think the office in the way it used to be is probably a thing of the past now," he told the Today program of BBC Radio 4. "I was talking last week with someone who works at a major media company and he said that we used to have 1,400 people come into this office every day. We've had 30 employees for the last eight weeks and the product hasn't changed.

"Whoever thinks things should go back to the way things were, he said, are nuts."

Yet it's not easy to announce the end of the workplace, says Prof. André Spicer of City University's Cass Business School. He expects a "extreme decrease" in the amount of time people spend in the workplace-but he says office work won't be done for good. One explanation, he suggests, is that homeworkers tend not to get promoted as easily-" They tend to get ignored.

And people would want to be noticeable, with a recession on the way.
"In times of economic recession particularly, people will start thinking: I want to be in the office, the boss wants to see me," he says.

Prof. Spicer also indicates that workplaces should continue as hubs where senior managers are located, with workers traveling to see their bosses once or twice a week. This seems to be close to Twitter 's strategy, allowing employees to work from home indefinitely-while keeping workplaces open when people want to come in.

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Home-working is not new-it has been on the rise in recent decades-and by hiring co-working space, many businesses have already tried to save money on rent.

"I think cost is a big driver," says Prof. Spicer. "I think a lot of businesses are going to say we 're spending all that money on rent so let's move on to more homework. What was always going on.

Why are they going to influence us?

Most of us have already learned some of the advantages and challenges of working from home. Some are obvious-no commute; less chances to socialize with friends, while others go to the heart of our identity.

"I think we would all hurl at what we lose," says Lucy Kellaway, who wrote both fictional and non-fiction books about workplaces. "I think the most important thing about the workplace is that it brings some sense to what we do. Much of what we do at our computers-let 's face it-doesn't make much sense.

"The easiest way to think about it is to have other people sitting around you doing the same thing." He says workplaces are keeping us calm and giving us routine.

"And we can be a different person once we are there," she told Today. "I don't know about you, but I'm totally sick and tired of being the same person all day long as I slouch around at home. I want to wear different clothes, go to the office, see different people who are becoming my lifelong friends and laugh when I'm there."

Thank you.

Huawei: What would happen if the UK ditched the Chinese firm?



The consequences could affect how quickly, and how much it will cost, improved internet access is rolled out. It is a moment when the economy of the world is still in a fragile situation, owing to the coronavirus pandemic.

The cause for a potential rethink is the decision by the US to limit the ability of the group to buy chips, which was justified for "national security purposes."

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The consequences could affect how quickly improved internet access is rolled out and how much it will cost. This a time when the country's economy is already in a precarious state because of the coronavirus pandemic.

The catalyst for a potential rethink is the US's move to restrict the firm's ability to buy chips, which was justified on "national security grounds".

On Sunday, the UK's National Security Centre (NCSC) confirmed it was examining what impact this would have on the UK networks that use Huawei's tech.That sounds quite vague. But it potentially paves the way for a government U-turn.

The prime minister gave the green light in January for continued use of the company's tech in mobile and broadband networks, but said its market share must be reduced.

Then he may understand the potential for a change of mind. This will help Boris Johnson avoid the derailment of his upcoming Telecoms Infrastructure Bill from backbenchers who support a ban.

This also gives him a way to defuse tensions with the White House, which has said Huawei 's continued use would have "a drastic effect on our ability to exchange [security] information."

Mr Johnson and President Trump could meet at a mooted G7 summit next month. Blocking Huawei could help to secure a post-Brexit trade agreement, even though it made China's ties trickier.

"More suppliers mean greater competitiveness, creativity and efficiency of the network, which crucially means that customers have access to the best available equipment," Victor Zhang, UK head of Huawei, told the BBC.

"Removing Huawei would significantly delay 5 G, costing the British economy up to £7bn," he said, referencing a report by Mobile UK, a trade association representing UK network operators, released last year.

'Spending time'

Part of the reason why mobile providers are concerned is that the current version of 5 G relies on plugging new equipment from the same vendor into existing 4 G kit.

"When an extra mast antenna was fitted, a lot of the 4 G expansion was software-upgradable to do 5 G," explained Andrew Ferguson, editor-in - chief of the ThinkBroadband news site.

So, he added, even if the new technology was limited to a Huawei ban, networks would still have to rip out and replace some of their older infrastructure.
"It's not only a very costly process for the operators, but it's also going to be time-consuming as they need to get access to all those sites to make the changes," said Assembly's Matthew Howett, the consultancy that wrote the Mobile UK report.

"And Huawei has been very creative in designing the smallest and lightest 5 G equipment, which means that operators may often only use a cherry picker to hook it onto existing mast networks. Some of the others are heavier and more cumbersome, which could entail more in terms of securing planning consent and road closure."

Huawei 's main 5 G competitors are Nokia and Ericsson-two European firms. The networks claim that having three vendors to choose from lets them negotiate lower prices.

In certain situations, they want a combination of two suppliers so that they can fall back on the other to offer a reduced service if technical issues occur with the one.

A study commissioned by Huawei last year claimed that locking it out would increase the 5 G investment costs of a country by between 8 and 29 percent due to reduced competition.

And if telecom operators need to invest more, customers can expect their bills to increase too. But one MP opposed to the rollout of Huawei says there are more critical considerations.

"There is an element of free and fair competition here, there is an element of security, there is an element of data-privacy, and there is also a sort of geopolitics of Chinese influence-the influence of the Chinese Communist Party," Bob Seely, a member of the Foreign Affairs Committee, told the BBC NEWS.

"High-risk vendors shouldn't be in the communications network on principle." Huawei claims that it uses state subsidies to weaken its competitors, adding that it will never spy on behalf of China or otherwise knowingly compromis its customers.

Thank You.

Traffic snarls as Delhi-Ghaziabad border sealed, new rules for vehicles issued



Daily Delhi-Ghaziabad commuters found themselves trapped in a huge border traffic jam after the UP administration decided to close it. Many vehicles have been stuck at the border since Monday evening soon after the Ghaziabad district administration took the decision to seal the border between the two cities.

Police at the border checkpoint prevented vehicles from inspecting e-passes before allowing anyone to pass, which led to a long traffic queue at the border between Delhi and Ghaziabad. Sealing the border before people could return from work resulted in confusion and turmoil among the commuters.

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The decision to seal the border came after Ghaziabad experienced the last 24 hours of a outbreak of 10 fresh coronavirus reports. The district administration issued an order stating, "There has been an rise in the number of cases of coronavirus in Ghaziabad district over the last few days.

A significant chunk of these cases are related to those traveling between Delhi and Ghaziabad. Therefore, the district administration has agreed to seal the Delhi-Ghaziabad border until further orders, on the advice of the Chief Medical Officer.

Also, the district administration has made a clarification as to who would need e-passes to cross the border. Passage of heavy vehicles or trucks carrying goods, vehicles involved in banking services and critical services and medicines without questioning will be permitted.

The order said people who are working in vital services, such as physicians, firefighters, police, media workers, and bank employees, will be able to go and do not need passes. The identification cards should be necessary.

Persons employed with the central government offices and Delhi, however, will be expected to create temporary passes. "Lots of government officials of the third and fourth class live in Ghaziabad who work in Delhi.

A government policy says its offices operate at a level of 33 per cent. Only those government employees who make up 33 per cent will get a travel pass given to them that can be on a regular or weekly basis, "the order said.

The order also requested that government employees reach Delhi before 9 am and return after 6 pm to Ghaziabad. The order also stated that residents willing to get e-passes will be required to apply in case of emergency.

Thank you.


Monday, 25 May 2020

A new Motorola Razr could launch this year with 5G


A new version of the foldable Motorola Razr could launch this year, possibly having 5 G, a larger battery, and improved cameras (via 9to5Google). Any of the other criticisms of the original model that came out in February may be answered by those.

Surprisingly, an executive from Lenovo, which owns Motorola, reports Android Authority, may have revealed this apparent new version of the Razr. Thibault Dousson, general manager of Lenovo's South Africa, appeared on the Reframed Tech podcast and said a new Razr could come around September.

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"A The Fresh RAZR"

"There is a new version coming out [of the Razr]. From what I understand, I guess there's one coming out in September, "he said on the show, shortly after the 18-minute mark. "A whole new Razr" he went on.

That new Razr can be powered by the 5G-capabale Snapdragon 765 processor from Qualcomm, and it could have a 2.845mAh battery, up from the Razr 2.510mAh battery in the first generation, according to specs posted by XDA Developers.

And the outer camera of the latest version is said to be 48 megapixels, which could be a big change from the 16-megapixel camera of the current version, with an internal camera of 20 megapixels, up from 5 megapixels. The phone will also have 8 GB of RAM, up from 6 GB and up from 128 GB of internal storage.

While these are all welcome improvements in the specs department, it's uncertain whether this rumored new Razr would make any updates to its signature folding mechanism — like a less creaky hinge, adjustments to prevent bumps and lumps from appearing on the panel, or improvements to prevent the screen from peeling away from the laminate sheet.

Thank You.

Delhi government issues new guidelines for domestic travel. Here's the detail


On Monday, Delhi's Health Services General Directorate passed an order issuing guidelines for domestic travel via passenger flights, buses or trains. In its order, the officials concerned were directed to ensure compliance with the guidelines provided in "letter and spirit" by the Ministry of Health and Family Welfare.

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Passengers with moderate or extreme symptoms will be admitted to dedicated COVID-19 health facilities in accordance with the guidelines provided by the government of Delhi, whereas those with mild symptoms will be given an choice for home isolation or admission to a government or private COVID-19 treatment centre.

The order has said that 14-day home isolation will be advised to all asymptomatic passengers. The Government of Delhi has also identified the agencies responsible for compulsory thermal screening and other medical checks at various public transport terminals.

The airport health officials (APHO) will be responsible for checks for domestic air travelers arriving in Delhi, and Safdarjung hospital has been assigned to serve as the connecting hospital.

 For bus travelers arriving at interstate bus terminals in Maharana Pratap and Anand Vihar, the transport department in Delhi will be the agency concerned, with Aruna Asaf Ali hospital and Dr Hegdewar Arogya Sansthan serving as links. The Northern Railways will be the agency concerned for train passengers, with its own hospitals serving as links, in addition to two more.

Here is the Guidelines list:

-- No quarantine or isolation of asymptomatic passengers but for a period of 14 days they will have to monitor their health by themselves

-- If any asymptomatic passenger develops symptoms within the period specified, the asymptomatic passenger shall inform the district supervisor or the State / national helpline- 1075

-- Symptomatic patients will be assessed at the nearest health facility for the clinical severity of the symptoms

-- Passengers with mild symptoms may opt for quarantine either institutionally or at home

-- Passengers with severe or moderate symptoms are required to be accommodated in the COVID-19 health facility.

Thank You.

Sunday, 10 May 2020

Switch from standard marketing strategies to digital marketing in year 2020.

Adaptability is a key characteristic in the ever-changing world; that should be owned by a company. Technology is increasingly growing, and companies need to continually update their strategy as well as their marketing campaigns to keep going towards targeted targets. There was a major shift in marketing since the internet was launched. Companies are no longer only using a conventional way of selling their goods or services and are moving in a more innovative approach, called digital marketing. The broad internet spectrum is a great opportunity for large growth, particularly for companies that upgrade their digital marketing budget. Marketing is a concept that has evolved forever over the years. Traditional marketing that uses old media such as boards, pamphlets, radio, television, etc. transitions to modern marketing that relies on ads-based internet channels.

The world is digitalized and in today's marketing a more modern and technological approach is needed, but various traditional marketing strategies are still being used today. A good business is a company that is capable of adapting to any situation, well-prepared for the challenge. The adaptive feature is the main point of a successful marketing plan, which can continuously adjust based on appropriate and reliable data. To order to reach potential consumers in the most effective way, the marketing campaign does not solely rely on one particular form of marketing, as both conventional and digital marketing will work together to strengthen the brand message that you are presenting. The focus needs to be on how to blend various marketing approaches, effectively achieving maximum results.


Traditional vs Digital


Fast-growing technology demands a more digitized solution and removes parts of the conventional

marketing strategy used for years. Traditional marketing strategies focus on selling products, while

modern marketing places greater emphasis on discovering customer needs and increasing customer

satisfaction through modern methods such as social media marketing. This new approach focuses on

how to relate to the customer, consider their desires, and give them the full pleasure to make the purchase

again later.

Digital marketing makes it easier for businesses, in particular small businesses, to expand while this was a small possibility with traditional marketing earlier. As the field of digital marketing is very wide and the trend is constantly evolving, it is important to remember that digital marketers should stay updated and understand what is going on. Brands can use different digital marketing tools, such as social media marketing, Search Engine Optimization (SEO), email marketing, mobile marketing (SMS, MMS in-app marketing), content marketing, etc. Modifying the website of the company is a vital move for launching your digital marketing campaign and a company should make sure it meets potential customers and provides the best customer experiences.

Digital marketing gives brands a big chance to compete in a global market reaching bigger audiences, according to Algo Sea Biz. Nowadays, companies don't have to do much research on newspaper advertising, direct mail, TV advertisements, etc., and wait for their message to reach their audience. Digital marketing is an effective approach to reaching the target audience with very precise and specific demographics, as well as reaching a broader audience. With this benefit, traditional marketing becomes more outdated, moreover, it is now easier for customers to skip an ad if they are not interested in it.
The rapid growth of digital marketing doesn't mean companies can abandon the conventional marketing strategy entirely. True, digital marketing is a hype topic and continues to grow today, but traditional marketing strategies can reinforce your message and complete your marketing strategies. For marketers it is therefore important to know that these two approaches can be used together to support one another. Knowing the difference as well as the benefits and drawbacks of these two approaches is important so don't separate them from each other.

Following the industry trends

The planning of an effective strategy requires setting a big budget for the digital marketing campaign, this includes a broad range of platforms that can allow the use of collected data. Companies are seeking a marketing team that is not only creative but also knowledgeable about revenue-boosting activities. Enterprises need to rely extensively on the best customer experience. Digital marketers need to prepare for a successful strategy for winning the battle between rivals and industry. Companies will need digital marketing experts capable of understanding and enhancing user experience and habits in order to be able to lead the organization in increasing their income in the world. This means you are open to a bigger challenge as you aim to grow your company on a larger scale and you need to find the right approach or strategies following the industry trends.

Some bonus Tips for promoting your website.

I hope this article will help you in promoting your product online.



Thank You!

 

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