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How do joint mortgages work?

What does ‘buy cheap, buy twice’ mean?

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Global Business

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Advertising Agency

4 Things About Advertising That Don’t Need to Be Said (but We’re Saying Them Anyway)

ASNF 40 mins ago

Our experience as online consumers and targets of ads from birth means we’re all latent advertising experts to a certain degree, right?

You know what billboard caught your eye and why you’re now sitting at a greasy spoon off exit 72 eating world-famous banana nut pancakes. You know which ad stopped you in your mid-scroll tracks through Instagram and why you’re now the proud owner of a fabric fuzz remover. Better yet, you know why the ad on LinkedIn for a product to better your business made you click.

Was it the eye-catching design? The beautiful accompanying photos? The quote from a previous customer, ecstatic about their purchase? Or was it simple repetition of an ad that eventually convinced you that you did, indeed, need the lint shaver?

Turning the tables and applying that birthright knowledge to your org’s own digital advertising, though, might look and feel a little different. … Read more

Corona comes to the aid of China’s struggling lime farmers

ASNF 22 hours ago

Corona beer’s initiative creates new farming jobs in the community and improves crop quality

Corona beer lovers know there’s only one thing that can make it better: adding a wedge of lime. It’s a ritual practised in countries throughout the world, including China.

What’s lesser-known is that China largely imports its limes from Vietnam and Taiwan. Farmers who do grow limes locally are generally small, family-run businesses that struggle to produce high-quality crops and make ends meet.

Most live outside the city of Ziyang, in rural Anyue County, Sichuan Province and lack the skills or resources needed to improve their operations and become more profitable. Upon learning about the lime growers’ struggles, Corona, and its local maker, Budweiser Brewing Company (BBC) China, stepped in to help.

“BBC China has long worked to financially empower, upskill and connect local farmers who grow the natural ingredients used to brew our beers,” says … Read more

How do joint mortgages work?

ASNF 23 hours ago

Taking out a mortgage is probably the biggest financial commitment most people will ever make. And that’s why rather than doing it alone, people often choose to share the responsibility. It’s increasingly common for people to join forces with their partners, family members or friends. They do this by taking out a joint mortgage.

In this article, we’ll look at how joint mortgages, and the pros and cons of taking out one.

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What is a joint mortgage?

A joint mortgage is simply a mortgage that you take out with another person. You might take it out with your spouse or civil partner, a friend, a family member or a business partner.

In most cases, you can take out a joint mortgage with just one other person. Some lenders allow up to four people to sign up for a joint mortgage.

How does a joint mortgage work?

When you take … Read more

John Lewis to fund sustainable cashmere programme in Mongolia

ASNF 2 days 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 2 days 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