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Opening a Cash ISA? Here’s why I think you could be making a huge mistake

first_img Many people will be wondering what to do with their ISA allowance, as this year’s deadline looms ever closer. The stock market crash will deter some from investing in a Stocks and Shares ISA, and persuade them to play it safe with a Cash ISA instead.I understand that way of thinking, but for many people, opening a Cash ISA could be a big mistake that will cost them dear in the long run. You might be surprised to hear that a Stocks and Shares ISA may be a better use of your allowance right now.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…The big appeal of a Cash ISA during the current stock market crash is that your money is safe. While the FTSE 100 and other global indices have fallen by up to a third, any cash savings will not have fallen at all.Cash ISA returns are poorEverybody should have some cash, enough to cover six months of spending in emergencies like this one, held on instant access so you can get your hands on it quickly. But if you leave too much of your long-term savings in cash, you will regret it in the longer run.History shows that stocks and shares deliver a superior return to cash over the long run. You may suffer the odd stock market crash like this one, but in the longer run, shares are a far better way to boost wealth for your retirement.By investing in a Stocks and Shares ISA rather than leaving money to idle in a Cash ISA, you are getting exposure to  the fortunes of the UK’s top companies, and will benefit both when their share prices rise, and when they pay out dividends.Stocks and Shares ISA yields moreBlue-chip stocks typically yield around 4% a year on average, but in this crazy market, you can get as much as 15%. By contrast, the best easy access Cash ISA pays just 1.25%, a variable rate that is likely to fall in the near future, following the Bank of England’s move to cut base rates to 0.1%.Even best buy Cash ISAs are set to pay less than the rate of inflation, which means the value of your money will actually be falling in real terms.The stock market crash should actually tempt you to buy shares, rather than ignore them. Right now, they are about a third cheaper than before the Covid-19 crisis, which means you are picking them up at a relative bargain price.You need to be brave to buy in a stock market crash like this one, and should only invest money you will not need for at least five to 10 years, and preferably longer, to give it time to grow in value.In the longer run, current worries will pass, and share prices will recover. When that happens, you will be glad you chose a Stocks and Shares ISA over a Cash ISA. Harvey Jones | Tuesday, 31st March, 2020 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. Opening a Cash ISA? Here’s why I think you could be making a huge mistake 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. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. 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. See all posts by Harvey Jonescenter_img Simply click below to discover how you can take advantage of this. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! “This Stock Could Be Like Buying Amazon in 1997” Our 6 ‘Best Buys Now’ Shares Image source: Getty Images Enter Your Email Addresslast_img read more

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Microwave, dishwasher best for cleaning sponges

first_img Sanitizing kitchen sponges is important because they may be contaminated with pathogens like Escherichia coli O157:H7 and Salmonella. Microbiologists Manan Sharma and Cheryl Mudd also tested sponges soaked in lemon juice and in deionized water for 1 minute and in 10% bleach solution for 3 minutes, and they left one untreated. Between 37% and 87% of bacteria were killed using these methods, leaving sufficient bacteria to cause disease. (Deionized water is purified water from which most ions, such as sodium, calcium, iron, and chloride, have been removed). Others studies have shown the powerful effects of microwaving. University of Florida engineering researchers found that microwaving killed more than 99% of bacteria in sponges that had been soaked in raw wastewater, according to a Jan 22 university news release. The study was published in the December 2006 issue of the Journal of Environmental Health. Apr 23 USDA news releasehttp://www.ars.usda.gov/is/pr/2007/070423.htm Initially, each of the sponges contained about 20 million microbes, after researchers soaked them in a solution of ground beef and lab growth medium for 48 hours. The study was conducted at the ARS Food Technology and Safety Laboratory in Beltsville, Md. See also: Sponges should be wet when placed in the microwave and should have no metallic components, according to the University of Florida release.center_img Treatment in the microwave and the dishwasher also left sponges with less than 1% of the original counts of yeasts and molds in them, whereas 6.7% to 63% remained in the sponges treated with the other methods or left untreated. The ARS said these methods were tested because they are commonly used in households. Apr 25, 2007 (CIDRAP News) – Bacteria in a kitchen sponge can best be eliminated by heating the sponge in a microwave oven or running it through an automatic dishwasher, according to a study by the US Department of Agriculture (USDA). “Basically what we find is that we could knock out most bacteria in two minutes,” said Gabriel Bitton, University of Florida environmental engineering professor, in the news release. Researchers found that microwaving a wet sponge for 1 minute killed 99.9999% of bacteria, while running a sponge through a dishwasher cycle that included drying eliminated 99.9998% of bacteria, the USDA’s Agricultural Research Service (ARS) said in an Apr 23 news release. News release on University of Florida studyhttp://news.ufl.edu/2007/01/22/zap-the-bugs/last_img read more

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