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What does ‘buy cheap, buy twice’ mean?

How does negative equity affect my financial health?

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John Lewis to fund sustainable cashmere programme in Mongolia

ASNF 21 hours ago

John Lewis supports the expansion of the SFA’s new Cashmere Standard from Mongolia to the Inner Mongolia region of China

The John Lewis Partnership has announced plans to fund a three-year programme run by the Sustainable Fibre Alliance (SFA), to support the expansion of the SFA’s new Cashmere Standard from Mongolia to the Inner Mongolia region of China.

Climate change and increased global demand for cashmere are putting pressure on the fragile ecosystems the cashmere industry relies upon. In response to this, a global standard has been developed by the SFA to promote best practice in land management, animal welfare, fibre processing and supply chain transparency; ensuring the long-term viability of the cashmere sector.

John Lewis is funding the training of 420 herders in Inner Mongolia, on the global standard. Training will be provided by a leading animal welfare NGO, the International Cooperation Committee of Animal Welfare(ICCAW), together with experts … Read more

What does ‘buy cheap, buy twice’ mean?

ASNF 23 hours ago

There are all sorts of wise and worldly sayings about money, and buy cheap, buy twice is just one of them. But what does it mean, and does it apply to everything?

What does buy cheap, buy twice mean?

In a nutshell, it means that if you buy something cheap, it’s likely to be poor quality and it’ll break, wear out or not be fit for purpose. As a result, you’ll need to buy a replacement, costing you more money in the long run.

Who first said buy cheap, buy twice?

There are no agreed origins for the phrase, but it’s often attributed to John Ruskin who was a nineteenth-century painter, poet, art and social critic.

The original statement it’s meant to have come from is “It’s unwise to pay too much, but it’s worse to pay too little. When you pay too much, you lose a little money – … Read more

Guinness is raising #AToastTo frontline heroes the St. Patrick’s Day

ASNF 2 days ago

Guinness is raising #AToastTo our heroes on the front lines, pubs and bartenders, and our community of friends near and far

For more than 260 years, Guinness, an alcohol brand, has been celebrating St. Patrick’s Day and what it means to be Irish: being resilient, toasting to the good times and always focusing on the silver linings.

This past year, we’ve seen so many people do their part to lift us all up and keep us going, so to spread the magic of St. Patrick’s Day in 2021, Guinness is raising #AToastTo our heroes on the front lines, pubs and bartenders, and our community of friends near and far.

“We won’t quite be able to march again this year, but we can give thanks to the people who have raised us all up since last St. Patrick’s Day – through our words, but much more importantly, through our actions,” … Read more

Announcing the 2021 EMEA Higher Education Advisory Council

ASNF 2 days ago

Higher education Trailblazers from across Europe, Middle East, and Africa (EMEA) unite! We’re proud to announce the launch of the 2021 Salesforce.org EMEA Higher Education Advisory Council (HEAC).

Top change agents and innovators representing 17 institutions spanning 11 nations have joined together to empower our entire higher ed community through CRM technology and an increasingly-important need for digital transformation.

Community Pioneers: EMEA Higher Ed Advisory Council members meet in London in February 2020.

Peter Theunert, HEAC vice-chair and head of process digitization at Bucerius Law School, says that now is a critical time to collaborate across the industry. “It is now more important than ever that a forum for exchange on best practices and solutions for student success and lean management structures in higher ed is relevant.” 

HEAC members, who were selected through an open call for nominations, generously volunteer their time to focus on important areas, like:… Read more

How does negative equity affect my financial health?

ASNF 2 days ago

Negative equity is not a position that any homeowner wants to find themselves in. But it can happen. We take a look at what negative equity is – and how to avoid it.

What is negative equity?

Negative equity is when the value of your home is below the amount that you owe.

Basically, if you bought your home for £100,000 with a mortgage of £95,000 and the property is now only worth £80,000, you would be in negative equity.

It typically occurs when there are falling house prices and people have borrowed at a high loan-to-value (LTV). If you only have a small stake in the property to begin with, and a large amount of debt, then you run the risk of negative equity if house prices drop.

What’s the impact of being in negative equity?

If you don’t need to sell or remortgage, being in negative isn’t necessarily … Read more