Our 6 ‘Best Buys Now’ Shares I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Kevin Godbold has no position in any share mentioned. The Motley Fool UK has recommended Howden Joinery Group. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. The past year has been volatile for stocks because of the pandemic. And many shares have bounced back the lows of last spring. But some share prices remain weak because their underlying businesses have been affected more by the lockdowns.But investors brave enough to buy stocks near their lows last year will have done well in many cases. However, now that vaccines are rolling out, I think there’s an opportunity to buy stocks to hold for the long term. And we could see a general bull market through 2021.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Looking for the best sharesI’d aim to fill my Stocks and Shares ISA with investments backed by high-quality underlying businesses. Many great companies listed in London have the potential to thrive in the coming years. And as an investor in their shares, I’d expect to benefit from an increasing dividend income stream and capital gains from a rising share price.Of course, those benefits are not guaranteed. Investing in shares always carries an element of risk. For example, the underlying businesses may not perform as expected and their share prices could fall causing me to lose money. But I’d aim to reduce the risk by researching my investments and focusing on quality and value indicators.For example, I like the look of telecoms giant Vodafone. The business enjoys the advantage of owning infrastructure networks that are hard for competitors to replicate. But three years ago, the valuation was high, making the stock look expensive. However, the share price eased back since then and now the stock looks like better value to me.Vodafone has a decent record of cash flow generation. And City analysts expect the firm’s earnings to rebound in the trading year to March 2022. There’s a fat dividend yield above 5% and potential for the business to grow. However, one area of risk is that the company has a lot of debt, so I’d aim to keep an eye on that.Growth potential and risksI’m also keen on insurance and investments company Aviva and groundworks and geotechnical solutions specialist Keller. Both firms are paying chunky shareholder dividends right now and I reckon they have the potential to grow their operations in the years ahead. However, those two enterprises operate in cyclical sectors. And if I’ve misjudged my analysis, their businesses may underperform going forward and I could lose money on my investments.Meanwhile, fitted kitchen and joinery manufacturer Howden Joinery has robust forward estimates for earnings. But the valuation looks rich and the dividend yield is below 2%. Despite the valuation risk, I like the quality indicators for this business and believe the company has earned its higher rating. I think the business could have a bright future. But the biggest risk to my investment would be that my assumptions could prove to be wrong.Finally, I’m keen on private label household and personal care products maker McBride. The valuation looks modest and I reckon the business has the potential to grow. But the company is small and has a history of volatile earnings. The big risk is that going forward, earnings could fall again. Nevertheless, the shares tempt me. Get the full details on this £5 stock now – while your report is free. Simply click below to discover how you can take advantage of this. Image source: Getty Images 5 of the best shares I’d buy now for a 2021 bull market Kevin Godbold | Sunday, 7th February, 2021 Are you on the lookout for UK growth stocks?If so, get this FREE no-strings report now.While it’s available: you’ll discover what we think is a top growth stock for the decade ahead.And the performance of this company really is stunning.In 2019, it returned £150million to shareholders through buybacks and dividends.We believe its financial position is about as solid as anything we’ve seen.Since 2016, annual revenues increased 31%In March 2020, one of its senior directors LOADED UP on 25,000 shares – a position worth £90,259Operating cash flow is up 47%. (Even its operating margins are rising every year!)Quite simply, we believe it’s a fantastic Foolish growth pick.What’s more, it deserves your attention today.So please don’t wait another moment. Enter Your Email Address FREE REPORT: Why this £5 stock could be set to surge See all posts by Kevin Godbold
Former Derg area Councillor Maolíosa McHugh has been nominated to serve as an MLA.He replaces outgoing MLA Michaela Boyle who has stood down having secured a seat in the local council elections.At a selection convention in Strabane last evening, Mr McHugh who lost his seat in last weeks council election was unanimously selected to represent West Tyrone at Stormont. Important message for people attending LUH’s INR clinic Twitter Loganair’s new Derry – Liverpool air service takes off from CODA Twitter Google+ WhatsApp WhatsApp By News Highland – May 9, 2019 Arranmore progress and potential flagged as population grows DL Debate – 24/05/21 Google+ Facebook Nine til Noon Show – Listen back to Monday’s Programme Pinterest Previous articleBreaking: Four arrested in Lyra McKee murder probeNext articleDonegal Deputy accuses Ulster Bank of feeding customers ‘to the vultures’ News Highland Maolíosa McHugh selected to replace outgoing MLA Michaela Boyle News, Sport and Obituaries on Monday May 24th Facebook RELATED ARTICLESMORE FROM AUTHOR Pinterest Homepage BannerNews
http://iatccc.org/hsr/?page_id=48Courtesy of Pirates Coaches Mile Myers and Katina Tekulve. A selection of the Boys Track and Field team traveled to DePauw University Friday evening for an Hoosier State Relays Indoor qualifying meet. Overall the Pirates had a successful evening competing against solid competition.The top performance of the night was the 4x800m Relay squad of Reid McClintic, Kevin Johnson, Hunter Butz and Jared Hasslebring running an 8:51.81 for a 4th place finish.I was pleased to watch our athletes compete and beat many teams from central and southwestern Indiana.Some athletes will be in action again at DePauw next Friday and those that qualify for HSR will compete at IU on March 25.Link to 1A-3A qualifying marks for HSR.The Lady Pirates Track and Field members were highly competitive at the DePauw HSR Qualifier meet Friday night in Greencastle.Shot Put Champion, Lily Grimes, won her event out of 29 contenders with a throw of 37′ 9.75″. High Jump Champion, Arie Hampton, jumped a new indoor PR at 5’3 to win her event out of 20 competitors. Rylie Smith also ran an indoor PR in 60m hurdles advancing to the finals and placing 6th overall with a 10.18 sprint.The Girls team will compete again at Depauw this Friday and hopefully qualify and advance to the Hoosier State Relays on Saturday, March 25.
Newsroom GuidelinesNews TipsContact UsReport an Error Unlike Bryant’s other absences, the Lakers did not expect this.“I don’t know what changed,” Lakers coach Byron Scott said. “It was good this morning. This afternoon, it didn’t feel good.”The Lakers (14-55) didn’t look good, either. They nearly set a franchise record for fewest points in a game, something the 2002-03 team still holds with a 70-point effort in Cleveland on Nov. 5, 2002. The Lakers also set a season-low with fewest points scored in the second quarter (10 points on 4-of-24 shooting). That might bring fanfare during the NBA draft lottery in New York City on May 17. The Lakers have a five-game cushion over the Phoenix Suns (19-50) for the NBA’s second-worst record, which gives the Lakers a 55.8 percent chance of keeping their top-3 protected pick and 19.9 percent odds at finishing No. 1. But Scott scoffed at such talk. “If you intentionally go out there and try to lose games, that type of karma is going to come back on you,” Scott said. “I’m going to coach to try to win these games and I hope our players come out and try to win.” The noise level reached fever pitch, and the reasons had everything to do with Kobe Bryant.This did not involve Bryant leading the Lakers to a win, making a shot or even playing. The fanfare centered on Bryant strolling to the Lakers’ bench before watching a mess unfold in the form of a 95-90 loss to the Phoenix Suns on Friday at Staples Center.That partly explains the sudden excitement among the 18,997 at Staples Center since the game offered little to cheer until the Lakers cut a 19-point deficit in the final moments. But Lakers forward Ryan Kelly missed two foul shots and was called for basket interference on the next possession. Before that, most of the attention centered on Bryant, who missed his sixth game in the previous 10 contests because of his sore right shoulder. They may have tried. But the Lakers still went 31-of-86 from the field, including poor shooting nights from D’Angelo Russell (2-of-10), Jordan Clarkson (2-of-13) and Julius Randle (1-of-9), none of whom played in the fourth quarter.Lakers reserve guard Lou Williams was the lone player both to score in double digits (30) and shoot above 50 percent (10-of-17).But does Scott find it off-putting that the NBA awards teams with better chances to land a top pick because of poor records?“I could be critical about it with certain parts of it,” Scott said. “But obviously last year it worked out pretty good for us.”Then, the Lakers landed the No. 2 pick despite finishing with the league’s fourth-worst record. Hence, Scott sounded open toward becoming the team’s draft representative again along with Lakers spokesman John Black.“Just give me great talent and chemistry, we’ll win,” Scott said. “That’s what John and I did last year.” The Lakers could not say the same thing about their own roster against Phoenix. So, plenty of fans seemed more interested in Bryant, who has consistently returned only for road games and home contests against marquee players or opponents. But Scott offered Bryant some sympathy, arguing, “When he tells me he can’t go, I know he’s hurting.”“He has to think about himself more than anything and his future after basketball,” Scott said. “He doesn’t want to do damage to his shoulder so much that in 5-10 years from now he has to go get surgery again.”
The red Beetle carries a large vuvuzela on its roof.(Image: Natalie Erasmus) A passion for football and the venerable Volkswagen Beetle has resulted in the creation of a growing fleet of one-of-a-kind stretch Beetles, vibrantly decorated in national colours and football elements.A group of four football fanatics at an unassuming panel-beating shop in the industrial suburb of Lindo Park, east of Pretoria, have turned their enthusiasm for the Beautiful Game into an eye-catching mobile show of support for the home team, Bafana Bafana. The national squad takes on Mexico in the opening game of the 2010 Fifa World Cup on 11 June in Johannesburg.Auto electrician Wynand Viljoen, mechanic Chris Neuwenhuizen, and panel beaters Tinashe Zivovo and Wellington Mugocha are the enterprising foursome.As their way of getting involved in the World Cup and adding to the growing buzz around the event, they have channelled their creativity into producing two stretch Beetles so far, with another one in production.Heads turn when these cars are on the road, and fans who wish to turn up at World Cup matches in style may rent them for their grand entrance.“I started building the first one for the fun of it,” said Viljoen, “and it has just taken off. I’ve had enquiries from a number of people, including a local coloured community and the Home Affairs department.”The Afrikaans Taal en Kultuur Vereeniging (Language and Culture Organisation) has also expressed interest, as they have arranged a World Cup song in Afrikaans.Labour of love“It took us about three months to build the first one,” said Mugocha, explaining that the stretch Beetle starts off as two cars that are each reduced by two-thirds and joined to produce the limo-style end result.One Beetle is cut at the windscreen and the other is cut at the rear window post. The two bigger sections are then welded together, providing a blank canvas for lavish football-themed refurbishment.The third stretch Beetle is just a shell at this stage, but once the welding and panel-beating work is finished, it too will emerge as a tribute to football and a testament to automotive skill.The team has not yet decided on a theme for the third car, but are working on some ideas. They hope to build another two or three, according to Mugocha.“The red one has a number of improvements on the white one, so our third car will be the best yet.”Proudly South AfricanFans need not worry about their safety – each car is completely road-worthy, and has received the green light from the licensing department.The first vehicle off the production line was the white model, which is topped with a huge fibreglass football. On the right-hand side of the car, just under the ball, sits a huge pair of flashy sunglasses, similar to the oversized accessories seen on makarapas – colourful modified hard hats worn at football matches. The lenses of the glasses are fully functional windows.The red Beetle carries a giant vuvuzela – the plastic African trumpet that either excites or irritates – just above the sunroof. The 4m-long instrument is wired to the sound system, an installation of teeth-jarring power, and is also used as the hooter. A standard-sized vuvuzela can fit onto the lower end, amplifying the sound.Inside, each has room for six people to sit in comfort. In addition to the driver and passenger seats, the white car has two double seats facing each other, while the red car’s seats are arranged conventionally, all facing forward.Both interiors are decked out in a football and vuvuzela theme, though with different colour schemes. Central locking and power windows have also been installed.The national flag and the words “Bafana Bafana” are prominent features of the exteriors. Both cars are powered by the trusty 1 600cc Beetle engine, which has seen thousands of Beetles around the world clock up vast mileage.Dedicated fansBafana Bafana’s inconsistent performances of late have not fazed the four colleagues at all, nor shaken their faith in the home side, despite some negative comments from members of the community.The foursome is convinced that South African football fans are set to be pleasantly surprised by their team’s World Cup performance.“We are 150% behind football and Bafana Bafana,” Mugocha said.
Energy codes aren’t everythingEnergy codes may call for R-49 in the roof, but that doesn’t mean it’s absolutely necessary, some commenters argue.Among them is A.J. Builder in upstate New York, who writes that “code R-values do not factor in how well spray foam works compared to fiberglass of the same R value. Most times spray foam is not installed to code R values and yet it performs much better than fiberglass.”Others go even further. Meeting the R-49 requirements is a “waste of money,” Eric Price writes.“Eric is right,” adds John Pfeiffer. “IMHO the law of diminishing returns really takes a bite out of using more than 2 to 3 in. of closed-cell (depending on your location, I’m in southern N.Y., zone 4a). Don’t trust the codes for telling you what is the most cost-effective way to insulate a house. They are written by people wearing suits and working in offices, not contractors.”An R-40 roof may leak half the amount of heat as an R-20 roof, he says, but savings may amount to only pennies per square foot at the expense of adding twice the amount of insulation at double the cost.“Also, consider what happens if your roof has a leak,” he adds. “Open-cell is a sponge and will need to be taken out and replaced; closed-cell won’t show the leak and will soak the plywood until something gives.” GREEN PRODUCT GUIDE Spray Foam Insulation: Open and Closed CellIt’s OK to Skimp On Insulation, Icynene Says Concerns When Using Spray Foam in RetrofitsGreen Basics: Rigid Foam Insulation PHIUS Says No to Some Types of Spray Foam Our expert’s opinionGBA technical director Peter Yost added this:Scott, it sure sounds as though you would like to optimize energy performance, taking advantage of the framing cavities being open, and do it as economically as possible, including DIY. Given all that, here are my recommendations:Get a sense of where to spend your money – the best two ways to do this, in my opinion, are to get a whole-house performance assessment done by a BPI-certified technician, and to use the LBNL Home Energy Saver Pro Energy Assessment Tool. I have used this on more than one project, and using the detailed assessment path, I have come within $100 of total household annual utility bills, and their recommendations are useful.Seriously consider the DIY rigid-foam approach to cavity fill. Yes, this is labor-intensive, but it is relatively easy to do, and you often can employ scraps of rigid foam or salvaged rigid foam insulation. The key is to not be too fussy about how your cuts fit, because you can’t cut it tight or well enough to be your air barrier anyway, so save the air sealing for later, when you spray foam all your joints and perimeters.Others have given solid guidance on choosing open-cell or closed-cell foam. On this, let me add that if you do choose a spray foam approach to cavity fill, be sure to use a certified installer.Evaluate your investment options. Martin and I just both wrote useful blogs on the topic of payback analysis – give those a look. Open-cell vs. closed-cell foamJean-Paul McGraw sums up some of the basic differences between these two types of insulation, including R-values and cost.“The advantages of closed-cell foam compared to open-cell foam include its strength, higher R-value, and its greater resistance to the leakage of air or water vapor,” McGraw writes. Spray Foam Insulation “The disadvantage of the closed-cell foam is that it is denser, requires more material, and therefore, is more expensive. Even though it has a better R-value, typically the cost per R is still higher than open-cell foam. The choice of foam can also be based on the requirements for the other performance or application specific characteristics such as strength, vapor control, available space, etc.”Open-cell spray foam has an R-value of about 3.5 to 3.7 per inch and typically uses water as a blowing agent, while closed-cell foam has an R-value of about 6 per inch, he adds.Costs, at least in McGraw’s area, average about 80 cents a square foot for open-cell foam and about $1.20 per square foot for closed-cell foam. With those R-values in mind, Jacobs will have trouble meeting energy code recommendations for his region if he goes with open-cell foam.“A house in [Climate Zone] 6 requires R-49 insulation in the attic,” Armando Cobo says. “If your intention is to have a conditioned attic, 7.5 in. [of open-cell] foam is R-28, then you also need 3 in. minimum rigid insulation on top of the roof decking. If you want to install [closed-cell] foam, you would require 7.5 in., and it can only be installed in 2-in. applications.”Cobo steers Jacobs toward a chart provided by Demilec, an insulation manufacturer, with more details.“The companies that are proposing 7 inches of open-cell spray foam for your roof are only offering R-26,” adds GBA senior editor Martin Holladay. “That isn’t much. In your climate zone, as Armando points out, you really want at least R-49. Don’t let a spray-foam contractor talk you into accepting insulation that is less than the minimum code requirements.” Scott Jacobs’ 1,100-square-foot Cape is a perfect candidate for an energy upgrade. The 90-year-old house is gutted, and Jacobs wants to insulate it well even if his budget is not unlimited.The house, located in Climate Zone 6, now has a 1/2-inch-thick layer of rigid foam on the exterior walls. Jacobs’ plan is to insulate the house from the inside with spray polyurethane foam.“This is my problem,” Jacobs writes in a Q&A post at GreenBuildingAdvisor. “Three companies have provided estimates now. Two say open-cell foam, 7 inches to 8 inches, on the roof and 3.75 inches on the walls. One company just quoted 7 inches of open-cell foam on the roof and 2 inches of closed-cell foam on walls. Estimates vary between $4,500 and $5,500.”First, Jacobs wonders, how do the 2 inches of closed-cell foam compare with 3 3/4 inches of open-cell foam? And second, for someone with not much money to spend, would installing rigid foam insulation in the rafter bays himself be a reasonable option?That’s the topic for this month’s Q&A Spotlight. RELATED ARTICLES
The rules for success—and a successful life—haven’t changed very much (if they’ve changed at all). There are a certain set of character traits, beliefs, and behaviors that have served people since there have been people. There are virtues that have survived for millennia because they have been found useful, making them subject to the Lindy Effect. The Lindy Effect says that the longer something nonperishable survives, like an idea, the longer it will survive into the future.Aristotle had a list of 12 virtues that included courage, temperance, liberality, magnificence, pride, honor, good temper, friendliness, truthfulness, wit, friendship, and justice. His list of virtues is around 2,400 years old and as relevant today as they were in Ancient Greece.The Romans had 14 virtues. As you might imagine, there is a bit of overlap here: Auctoritas (knowing one’s place), Comitas (humor), Clementia (mercy), Dignitas (dignity), Firmitas (tenacity), Frugalitas (frugalness), Gravitas (gravity), Honestas (respectability), Humanitas (humanity, kindness), Industria (industriousness), Pietas (dutifulness), Prudentia (prudence), Salubritas (wholesomeness), Severitas (sternness, discipline), Veritas (truthfulness).Ben Franklin lived long after the Roman Empire and “the Roman Way” had died. There is roughly 1,300 years between Franklin and Rome’s demise in 476. Franklin had 13 virtues. He wrote his in a book and gave himself marks for keeping them each day. His were temperance, silence, order, resolution, frugality, industry, sincerity, justice, moderation, cleanliness, tranquility, chastity, and humility. Being remarkably human, he didn’t always keep these virtues. Many of these virtues go back to what Aristotle held true.Right now, a lot of people believe disruption is a value. They believe that what has come before is of no use to the future and that everything should be torn down to make way for what is new—even if what is new isn’t an improvement. Human progress has always been incremental, transcending and including what came before. What is working now looks very much like an improvement on what came before.Even more tend to believe that fame is a virtue, even when many are famous only for being famous, something that would have been confusing to those for whom fame was something earned through contribution. There are too many who have put the cart before the horse, seeking fame without developing themselves and without contribution. Mastery would be a better value (Gravitas).When it comes to business, the ethos of today is that one should build a business with the intention of flipping it. This ethos is really a pathology of the “get rich quick without working” variety. There are a lot of good reasons to start a business, and one should begin with the end in mind. But to be sure, you start a business because you want to create value for your clients. The thought of starting a business without pouring your heart and soul into is saddening. Essential Reading! Get my 3rd book: Eat Their Lunch “The first ever playbook for B2B salespeople on how to win clients and customers who are already being serviced by your competition.” Buy Now