Making a million can sound like a daunting task. This is especially so when we are just starting out on our investing journey. Just the idea seems implausible. But it is not. It does require patience, discipline, and careful selection though. Let me give an example. If I could target an annual saving of £10,000, that would be a good place to start. Here is how I would go about making a million from it by investing in the stock markets. 

What is the annual target return for my investments?

First, I would consider an achievable return on my investments. This could be in the form of capital gains or dividends or both. My annual target goal would be a return of 10%. There are FTSE 100 stocks around today that offer this much just in dividend yield. Moreover, they are likely to give me capital gains as well. 

So, … Read more

By: Catherine Moore, Digital Transformation Practice Lead at Heller Consulting

Today’s higher education leaders are taking a strategic look at how they interact with supporters. They’re thinking beyond individual online interactions, and creating plans to deepen connections with their constituents and transform their advancement strategies in today’s digital world.

The idea of this type of digital transformation could seem lofty and intimidating. It might sound nice, but maybe it’s something you just don’t think you have the expertise to tackle. The truth is, digital transformation doesn’t happen all at once. By leveraging the power of Education Cloud for marketing and engagement, your advancement team can get started with digital transformation with these four steps.

By leveraging the power of Education Cloud for marketing and engagement, your advancement team can get started with digital transformation with four steps.

1. Rethink How You Thank Your Donors and Volunteers

Take generic thank you … Read more

We can all agree savings rates are terrible at the moment. But did you know that with a bit of imagination it’s possible to trump the rates offered on easy access accounts? What’s more, you don’t necessarily have to lock away cash.

Here’s everything you need to know to give your savings a much-needed boost (and potentially bag £50 cashback on top!).

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How bad are easy access savings rates?

Right now, the top-rated easy access savings account pays 0.7% AER variable, via Cynergy Bank. While this is a pittance in historic terms, savings rates have been in the doldrums for a fair few years. In fact, 0.7% compares relatively well with other rates on offer. For the majority of 2021, the highest savings rates have stood at a smidgen above 0.5%.

However, despite this, there’s no denying that 0.7% is still way less than the current rate of Read more

This Thanksgiving, millions of Americans will once again sit down for a meal with family and friends, most of us feeling especially grateful to be together in person for the first time in many months. While the pandemic still grips the globe, eased travel restrictions and vaccinations allow us to gather together in celebration once more.

We will bow our heads in thanks.

But we need to do more than simply give thanks.

A few years back, I had the opportunity to meet with Barbara Pierce Bush Coyne, who co-founded Global Health Corps. We talked about a lesson she learned from her grandfather, President George H.W. Bush: Each day, think of three things you’re grateful for, and write them down. This is a widespread practice now, of course, as studies show that gratitude can help us sleep better, get more exercise, experience less pain, and benefit from improved overall wellbeing. … Read more

I’m expecting four UK stocks to feature prominently in the financial news over the coming week. All are connected with the same event scheduled for next Wednesday (1st of December).
 
The companies in question are FTSE 100 members Darktrace and Johnson Matthey, and FTSE 250 stocks Electrocomponents and Dechra Pharmaceuticals.
 
The event in question is the publication of the final quarterly FTSE UK Index Series review of 2021.

How it works

For those unfamiliar with these reviews, a FTSE 100 company can suffer the ignominy of being relegated from the UK’s top index.
 
This is determined by its ranking by market capitalisation (share price multiplied by number of shares in issue) at the review date. Typically, relegation is due to the company’s share price having fallen significantly since the last review.
 
Conversely, a high-flying FTSE 250 firm (or recently listed stock with a big enough market capitalisation) can … Read more