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"However, we know that many lack the time and resource to rebuild at this critical time so Visa is enlisting the help of its partners to offer small firms the tools, advice and expertise so they can adapt their business ready for a new normal. We’re also calling on consumers to shop local. By supporting small businesses- both on and offline - all of us can do our bit to help our communities recover and get back to their best." … [Read more...] about ‘We can’t afford 70% off sales’ – small businesses on why many won’t survive crisis

Ace investor Pat Dorsey says investors should target 10 to 15 moated businesses that can compound at high rates over time and make long-term investment in them to create major wealth. Dorsey is the Founder of the Chicago-based Dorsey Asset Management and is a former director of Equity Research at Morningstar. He is also the author of the highly acclaimed books The Five Rules for Successful Stock Investing and The Little Book that Builds Wealth. He says moated businesses can drastically reduce the risk of permanent loss of capital. A ‘moat’ is a metaphor that investment legend Warren Buffett first used to convey the idea of a company’s competitive advantage. “In most businesses you see high returns on capital decrease over time as competition comes in. However, there is a very small minority of businesses that enjoy many years of high returns on capital. They essentially beat the odds. They defy economic gravity. And the question simply becomes, how? And in my … [Read more...] about Looking for ‘moat’ to pick stocks? Pat Dorsey tells you how to find it

Similar complementary currencies exist elsewhere in the US and Europe, aimed not at replacing the national money but supporting the local economy -- a key distinction since American authorities take a dim view of anyone trying to create a bill to compete with the almighty dollar. … [Read more...] about US town grows money from trees during pandemic downturn

In terms of awards, residencies and grants, there is a vast difference in the weight that these carry - larger national / internationally open awards and residencies will attract a higher quality of entries and attention than smaller, regional awards.  … [Read more...] about How to buy art online without getting stung

The transformative home makeover tip is beloved by renters, as the plastic is easily removed with the help of a hairdryer. Simply head the plastic to loosen the glue and pull it away. … [Read more...] about Woman makes her dark and cramped kitchen look bright and spacious – and all she used for £8 Wilko stickyback plastic