Having no savings at 40 isn’t the end of the world, but it’s not ideal. Saving enough to ensure a comfortable retirement is a long-term job, so it makes sense to start early in life.

There are good reasons why someone may have no savings at this age. Incomes have stagnated. The financial crisis and pandemic have added to the squeeze. Young people have other responsibilities, such as paying off debt or saving for a property deposit.

Also, retirement can seem a long way off, in your 20s and early 30s. For many, the urgency starts hitting home around 40. At which point, it should be all systems go.

I’d buy FTSE 100 stocks

Most people are likely to have some savings at 40, though. Especially in future, as the auto-enrolment company pension scheme gives millions a workplace pension for the first time.

I’m in my early 50s now, but … Read more

Creative marketing agency Public Label has announced the appointment of Stephanie Sumner as SVP, Growth. Reporting to Brian Cohen, CEO of Match Marketing Group, Sumner will be responsible for leading growth initiatives at the newly launched agency.

Sumner’s hire is the latest move in the agency’s trajectory of cementing its presence in the U.S. and Canada. In December, Match Marketing Group relaunched as two separate agencies — Public Label and Match Retail — following an extensive overhaul and modernization of the agency’s unique expertise and offerings.]

“We’re thrilled to welcome someone with Stephanie’s talent and pedigree to the team. Her experience and intelligence are obvious, but it’s her passion, curiosity and personal character that make her stand out from the pack,” said Cohen. “She’s a perfect fit for Public Label’s culture, and we’re already learning from her since she’s been on board.”

A seasoned marketing leader with a passion for … Read more

With the much anticipated return of a dividend (albeit only 15 cents per share for the interim period) failing to ignite the HSBC (LSE:HSBA) share price, the bank still trades for below book value. As of late February, HSBC shares trade for a price-to-book ratio of around 0.63. Here is one potential event I think that could send shares higher.

The importance of interest rates to HSBC

Due to the pandemic, central banks around the world have lowered interest rates to ultra-low levels. This has acted as a headwind for the bank. According to CEO Noel Quinn, HSBC “lost around $5.3 billion of net interest income” due to the lower rates. That has translated into an over 2 percentage point decrease in the bank’s return on tangible equity (RoTE).

The low rate environment is one of the reasons why management has focused more on the bank’s non-interest income … Read more

Content Marketer Deep in Thought Image

In his recently-published book, What’s Your Problem: Become a Better B2B Marketer by Enhancing Your Problem-Solving Skills, Steve Goldhaber argues that the discipline of content marketing boils down to a simple consistent objective: solving problems.

It’s a reasonable framing. Almost every piece of marketing content is essentially aimed at solving a problem. This really gets to the fundamental intent of B2B content marketing as a practice: by helping our audience solve day-to-day problems and overcome business challenges, we hope that they’ll eventually consider using our product or service to solve a bigger problem.

But content marketers can’t focus solely on solving problems for customers. We also need to look inward and address key challenges that threaten the value and impact of our problem-solving content. The old saying about “getting your own house in order” comes to mind.

Here’s a look at four prevalent conundrums faced by B2B content marketers … Read more

We’re thrilled to announce that the second Salesforce.org Impact Lab will focus on driving equity in education. This Impact Lab will support learners on nontraditional pathways from underrepresented minorities as they navigate post-secondary education and move into the workforce. 

Building on the momentum from our inaugural Impact Lab, which just launched a new app to help combat homelessness, this new Impact Lab will bring together subject matter experts from across sectors to advance equity in post-secondary education.

As a collaborative initiative aimed at developing innovative technology solutions that address complex social issues, Impact Labs combines the expertise of leaders from the nonprofit and education sectors with the power of Salesforce technology and pro bono talent. In taking risks, thinking outside the box, and designing creative solutions, Impact Labs aims to address some of the world’s greatest needs.

Our second cohort of Impact Labs Community Fellows will focus on driving equity
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