Money
M&S confirms it has axed a ‘glorious’ breakfast item as shoppers say ‘I’ve been searching high and low’
M&S has confirmed that it has axed one of its most popular breakfast items, leaving shoppers gutted.
The posh supermarket has discontinued its “glorious” Cocoa & Cherry Bircher pot.
A sweet-toothed customer was devastated after coming up empty-handed while rummaging “high and low” through the fridge section for the breakfast treat.
In a desperate plea they wrote on X/formerly Twitter: “Have you discontinued your glorious Cocoa & Cherry Bircher pot? (Archive pic attached).
“I’ve searched high and low across the UK for it recently – to no avail – and your staff have no idea where it’s gone either?”
He then added “please send help”.
Staff at M&S then sadly broke the news that the pot is no longer available to buy.
They wrote: “Hi Kevin, I’ve just checked but our cherry bircher pots aren’t showing in any stores at the moment so do appear to be discontinued.”
Although they did say they will let their Food colleagues know the user would like to see the pots again in the future.
The X user was left devastated by the news and wrote in disbelief: “NOOOOOOOOO?! Do you know why it’s been discontinued?”
He revealed that “many many” people feel the same about the product and that should serve as a reason for the product to return.
A quick search on X showed many others sharing their love for the pots.
One said: “Dreaming about that cocoa and cherry bircher from M&S I had yesterday. It’s too good to be legal.”
Another wrote: “In other news, I bought an M&S cocoa and cherry Bircher to eat on the train and it was SUBLIME.”
While a third commented: “Guys, if you’re ever in M&S try the cocoa and cherry bircher pot, and the chocolate chunk shortbreads. DIVINE.”
The breakfast item is made up of oats and Greek yoghurt, with cherry compote and cocoa nibs.
It contained 277kcals per pot and weighed around 190g.
We had a look online and struggled to find a similar item that could fill the bircher pots’ shoes – the closest M&S seems to sell is fresh porridge for £1.30.
Why are products axed or recipes changed?
ANALYSIS by chief consumer reporter James Flanders.
Food and drinks makers have been known to tweak their recipes or axe items altogether.
They often say that this is down to the changing tastes of customers.
There are several reasons why this could be done.
For example, government regulation, like the “sugar tax,” forces firms to change their recipes.
Some manufacturers might choose to tweak ingredients to cut costs.
They may opt for a cheaper alternative, especially when costs are rising to keep prices stable.
For example, Tango Cherry disappeared from shelves in 2018.
It has recently returned after six years away but as a sugar-free version.
Fanta removed sweetener from its sugar-free alternative earlier this year.
Suntory tweaked the flavour of its flagship Lucozade Original and Orange energy drinks.
While the amount of sugar in every bottle remains unchanged, the supplier swapped out the sweetener aspartame for sucralose.
Other discontinued M&S treats
M&S shoppers have been left gutted after the chain axed a popular takeaway meal after less than two years.
The supermarket’s Vegan ‘Chicken’ & Pepper Pizza earned rave reviews before it was scrapped.
It also discontinued its almond milk and vanilla hand wash, despite being described by shoppers as “amazing and affordable”.
The posh shop also removed some of its popular Percy Pig sweets from its range – leading to desperate calls for them to be reinstated.
Percy Pig Phizzy Chews earned rave reviews before they were scrapped in the brand’s recent confectionery overhaul in July.
What’s more its popular Colin the Caterpillar in a jar treats recently disappeared from the shop shelves.
Marks and Sparks also confirmed that a popular teatime meal has been axed as the supermarket carries out a shake-up.
The supermarket has cut the Plant Kitchen: 2 No Beef Steak Pies.
The supermarket then expanded to say that it was set to relaunch the Plant Kitchen range.
Earlier this year, Marks and Spencer shoppers begged the retailer to bring an iconic flavour of ice cream back after learning it had been savagely discontinued.
A customer was baffled when they came up empty handed while rummaging through the freezer section for Chocolate Millionaires Ice Cream.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
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Money
SJP hires Adam Higgs to help drive growth in protection
St James’s Place (SJP) has appointed Adam Higgs to the newly created role of head of protection.
He will help shape SJP’s protection proposition strategy, with a focus on driving innovation, enhancing customer value and managing end-to-end delivery of projects.
Higgs was formerly at Protection Guru, founded by Ian McKenna, joining when it was a start-up and rising to head of product.
He was also head of research – adviser services at the Financial Technology Research Centre (FTRC) and has held previous roles at both Foster Denovo and Scottish Life.
In his new role at SJP, Higgs will help raise the profile of protection within the wider business and support the planning of SJP advisers.
SJP divisional director, development and technical consultancy Tony Müdd said: “We are delighted that Adam has decided to join St James’s Place.
“His reputation within the protection industry is one of unparalleled knowledge from both a provider and distribution perspective, and we look forward to him helping us build upon the foundations we have built over the last few years.”
Higgs added: “I have been a huge admirer of St James’s Place for a long time and followed their protection proposition closely.
“In a short period of time they have built, in my opinion, the best in-house ‘write it or refer it’ proposition in the market. Using these capabilities, SJP has some ambitious growth targets for their protection business.
“I am excited to work with the team and insurers to realise these and make sure that, regardless of whether a partner wants to do it themselves or utilise the planning protection team, every client gets the protection they need.”
Money
Exact dates for Christmas returns as shops extend policies including Tesco and Primark – see full list
TESCO and Primark are some of the high street retailers extending their product return dates this Christmas.
Receiving a gift you don’t like is never ideal and even worse if it means someone is left out of pocket as a result.
However, plenty of retailers extend their usual return policies over the festive period to allow for this.
Tesco, Primark, John Lewis and B&M are all offering shoppers wider returns windows for Christmas this year.
Bear in mind, refund policies vary depending on where you’ve bought an item from.
Under usual refund policies, where you have a receipt, most retailers will offer you a full refund – on card if that’s how you paid, or by cash.
Where you’ve got a gift receipt, you’ll usually be offered a gift card.
Where returns are made after the goodwill period, but before the Christmas returns period ends, gift cards or exchanges for something else are more common.
Whether you’ve bought items online or in-store can also have an impact on how you’re refunded.
Below, we round up what some of the bigger UK retailers are offering customers this year.
John Lewis
John Lewis said it has extended its usual time window for returns for the festive season.
The posh retailer said any gift bought between September 26 and December 24 can be returned up until January 23, 2025 if it is unwanted.
Shoppers will need to bring a valid receipt with them to get the refund.
Sainsbury’s and Argos
Sainsbury’s and Argos, which is owned by Sainbury’s, is also extending its return window over the Christmas period.
Any items purchased from September 27 to December 25 can be returned right up until the end of January 31, 2025.
New Look
Fashion retailer New Look is offering shoppers an extended returns window on any products bought in-store or online.
Any items bought between October 28 and December 8 can be returned until the end of January 5.
For any sale products bought in-store or online, New Look’s standard 14-day return policy will apply.
Meanwhile, any sale items bought in-store are exchange-only.
This means shoppers can only return an item and replace it with another item.
M&S
M&S has boosted the length of time shoppers can return any unwanted products over the Christmas period.
Any purchases made online or in-store between October 10 and December 24 can be returned up until January 26, 2025.
For any purchases made from December 25 onwards, M&S’ normal refund policy will apply.
M&S said the tweaked Christmas returns policy does not apply to sale items.
Tesco
Tesco is extending its normal 30-day returns policy to any gifts purchased between October 1 and December 24.
Any purchases made between this period can be returned up until January 31, 2025.
The retailer said the extended policy applies to any products bought via Grocery Home Shopping and Marketplace.
Primark
Primark said any items bought between October 15 and January 3, 2025, can be returned up until January 31, 2025.
The retailer said the returns date has been printed on all till receipts as a reminder to shoppers.
From January 3 next year, Primark will go back to its standard 28-day return and exchange policy.
B&M
Bargain discounter B&M said customers buying any Christmas item in-store from November 3 have until January 31, 2025 to return it.
The retailer said proof of purchase, like a receipt, will need to be provided.
Lidl
German discounter Lidl said any non-food products bought from November 4 can be returned up until January 6, 2025.
After January 6, its standard 30-day returns policy will apply.
How to save money on Christmas shopping
Consumer reporter Sam Walker reveals how you can save money on your Christmas shopping.
Limit the amount of presents – buying presents for all your family and friends can cost a bomb.
Instead, why not organise a Secret Santa between your inner circles so you’re not having to buy multiple presents.
Plan ahead – if you’ve got the stamina and budget, it’s worth buying your Christmas presents for the following year in the January sales.
Make sure you shop around for the best deals by using price comparison sites so you’re not forking out more than you should though.
Buy in Boxing Day sales – some retailers start their main Christmas sales early so you can actually snap up a bargain before December 25.
Delivery may cost you a bit more, but it can be worth it if the savings are decent.
Shop via outlet stores – you can save loads of money shopping via outlet stores like Amazon Warehouse or Office Offcuts.
They work by selling returned or slightly damaged products at a discounted rate, but usually any wear and tear is minor.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
CryptoCurrency
Trump Media stock plunges after weekslong rally
After a weekslong rally that saw shares of Trump Media & Technology Group (DJT) roughly triple in value, the stock took an 8% nosedive Tuesday afternoon.
Shares of the company behind former President Donald Trump’s right-wing social media platform Truth Social fell to $26.60 apiece after having been up roughly 10% that morning. Tuesday’s volatility led to the Nasdaq briefly halting trading.
The company’s stock has fluctuated wildly in value in the nearly seven months since it went public under the ticker DJT. Late last month, shares dropped as low as $12.15 each. Since Oct. 1, however, Trump Media shares are up 70%.
This see-sawing comes just weeks before the presidential election, which will see Trump face off against Democratic presidential candidate and Vice President Kamala Harris at the ballot box.
Trump is a majority shareholder of Trump Media, holding roughly 57% of the company’s stock — and he has said he has no plans to let go of his holdings. The stock’s recent rally has added some $2 billion to Trump’s net worth.
Trump Media has been widely considered a “meme stock” or “affinity stock,” with shares trading largely on sentiment about the former president by retail and individual investors, regardless of the company’s actual operating results or prospects.
“It’s purchasing his brand,” John Rekenthaler, vice president of research at Morningstar (MORN), previously told Quartz. He warned that the company’s stock could “go to zero” or close to it if Trump loses the coming election.
Trump Media has said in regulatory filings that its “success depends in part on the popularity of its brand and the reputation and popularity” of Trump and that “adverse reactions to publicity relating to [Trump], or the loss of his services, could adversely affect TMTG’s revenues and results of operations.”
CryptoCurrency
Why Semiconductor Stocks Micron, Applied Materials, and KLA Corporation Plunged Today
Shares of memory leader Micron (NASDAQ: MU), Applied Materials (NASDAQ: AMAT), and KLA Corporation (NASDAQ: KLAC) plunged on Tuesday, down 4.3%, 10.9%, and 15.5%, respectively, as of 3:28 p.m. ET.
Semiconductor stocks largely sold off across the board today after equipment leader ASML Holdings (NASDAQ: ASML) accidentally leaked its third-quarter results and outlook, which were supposed to be published tomorrow.
The results and guidance were highly disappointing, sending fears across the sector.
ASML disappoints on a “slower than expected” recovery
In the leaked press release, ASML showed 11.2% revenue growth and 9.1% earnings-per-share (EPS) growth, which aren’t terrible growth figures by any means, with the top line exceeding the company’s guidance last quarter.
However, the bookings figure and outlook for 2025, also contained in the press release, were more worrisome. Net bookings, which reflect revenue plus or minus the change in orders in backlog, were only 2.6 billion euros (~$2.8 billion), far below expectations of 5.39 billion euros (~$5.87 billion).
Moreover, management gave preliminary revenue guidance for 2025 of between 30 billion and 35 billion euros (~$33 billion to $38 billion). While that still portends mid-teens growth above expected 2024 figures of 28 billion euros (~$30 billion), it was below the 36.3 billion euros (~$39.5 billion) analysts were expecting.
Management noted in the press release:
While there continue to be strong developments and upside potential in AI, other market segments are taking longer to recover. It now appears the recovery is more gradual than previously expected. This is expected to continue in 2025, which is leading to customer cautiousness.
ASML is likely referring to Intel, which has seen lower near-term demand, and Samsung, which has been beset by operational issues and is pushing out its fab expansions. ASML management also noted limited capacity additions for DRAM memory suppliers, as most are converting unused equipment for non-artificial intelligence (AI) memory to production lines for HBM and DDR-5 for AI.
The semiconductor capital equipment sector is very linked. So, if a large fab is pushed out, not only will ASML see slower growth, but so will the etch and deposition equipment supplied by Applied Materials and the metrology and inspection equipment provided by KLA Corporation along with it. Thus, it’s no surprise to see each of those stocks sell off to ASML today by a similar amount.
Micron is also down, given that ASML indicated softer end-demand across non-AI markets. However, it may also be positive for Micron that memory rivals are scaling back their investments in memory capacity. Unlike that of advanced logic chips, memory pricing can fluctuate a lot based on supply and demand. So, the discipline to pull back investments could be a good thing for memory pricing. That’s likely why Micron’s stock is holding up better than the others.
The sell-off may be a good opportunity
This sell-off may be an opportunity for chip investors since the recovery in non-AI markets is very likely to happen at some point, even if a full recovery doesn’t happen as fast as some forecast. After all, the midpoint of ASML’s guidance still points to 16% growth next year. And pushing fab buildouts from 2025 to 2026 should entail more sustained growth beyond 2025.
It seems that 2024 corporate budgets may have been dominated by expensive AI spending, crowding out refreshes of non-AI servers and PCs. However, this aging equipment will have to be refreshed eventually, especially since Windows 10 support will be phased out in October 2025. Furthermore, as more AI-enabled devices come to market, that should be a boon for chip content across all devices in PCs, smartphones, and auto markets that are still lagging today.
So, for those investors with a long-term view, this sell-off based on the medium-term outlook may be an opportunity to pick up high-quality semiconductor names, such as these three, for the long haul.
Don’t miss this second chance at a potentially lucrative opportunity
Ever feel like you missed the boat in buying the most successful stocks? Then you’ll want to hear this.
On rare occasions, our expert team of analysts issues a “Double Down” stock recommendation for companies that they think are about to pop. If you’re worried you’ve already missed your chance to invest, now is the best time to buy before it’s too late. And the numbers speak for themselves:
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Right now, we’re issuing “Double Down” alerts for three incredible companies, and there may not be another chance like this anytime soon.
*Stock Advisor returns as of October 14, 2024
Billy Duberstein and/or his clients have positions in ASML, Applied Materials, Intel, KLA, and Micron Technology. The Motley Fool has positions in and recommends ASML and Applied Materials. The Motley Fool recommends Intel and recommends the following options: short November 2024 $24 calls on Intel. The Motley Fool has a disclosure policy.
Why Semiconductor Stocks Micron, Applied Materials, and KLA Corporation Plunged Today was originally published by The Motley Fool
CryptoCurrency
Can You Guess What Percent Of People Have $4 Million? Here’s A Look At How Many Reach This Major Wealth Milestone
When you hear “$4 million,” does it sound like a dream retirement nest egg or an actual goal? If you’re thinking, “Yeah, right!” you’re not alone.
Most people are curious about how they compare to others in terms of savings, but few can fathom hitting such a high target. So, how many people have $4 million saved? And more importantly, do you need that much to retire comfortably? According to a study, many people believe you need even more than this for retirement!
Don’t Miss:
The $4 Million Reality
According to data based on estimates from the Federal Reserve, having a net worth of $4 million places you in the top 3% of American households. That’s an elite group, for sure.
Leigh Baldwin & Co. Advisory Services reports about 4,473,836 U.S. households have amassed $4 million or more in wealth. This figure represents roughly 3.44% of all households in the country.
While this is a slim percentage, a recent survey from New York Life found that today’s workers believe they would need an average of $4.3 million to retire comfortably. The idea of having millions tucked away for your golden years might sound ideal, but the reality for most people is quite different.
See Also: Can you guess how many retire with a $5,000,000 nest egg? – How does it compare to the average?
Where Do Americans Stand?
Let’s get real: most Americans are nowhere near that kind of savings. Having $1 million in tax-advantaged retirement accounts could put you in the top 3.2% of retirement savers, but most people find themselves far behind this mark.
According to the Federal Reserve Survey of Consumer Finances, Americans’ average retirement savings is $334,000, while the median – a more accurate picture – is just $86,900. Although people may feel they need millions to retire, they aren’t actually saving millions.
Trending: Studies show 50% of consumers think Financial Advisors cost much more than they do — to debunk this, this company provides matching for free and a complimentary first call with the matched advisor.
The question of how much you need to retire comfortably pops up for savers again and again. In a Forbes article, Michelle Richter-Gordon, co-founder of Annuity Research and Consulting in New York City, explained, “People don’t know how much they need at all. They also don’t know when they will retire.”
The problem is compounded by many people relying on online retirement calculators to figure out their savings needs. While these tools can be helpful, they often overestimate the amount of money required, leaving people feeling overwhelmed or discouraged.
Some of these calculators are provided by investment firms, which may want to boost your contributions to grow their revenues. It’s no wonder that retirement feels like an uphill battle for many.
What Do You Need for Retirement?
It’s important to consider your retirement goals. The amount you need depends on various factors, such as where you plan to live, lifestyle choices and health care costs.
Many experts suggest that aiming for around $1 million to $2 million in retirement savings may be more realistic for most Americans, especially when factoring in Social Security benefits and other sources of income.
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Even if saving millions of dollars seems like a distant dream, losing hope is unnecessary. Start by setting achievable goals, saving consistently and monitoring your long-term financial health. The road to retirement doesn’t have to be intimidating. Ultimately, it’s about making smart financial choices that allow you to live comfortably, not just chasing big numbers.
It’s always a good idea to consult with a financial advisor to ensure you’re on track to retire where you want, without the pressure of hitting some magic number.
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This article Can You Guess What Percent Of People Have $4 Million? Here’s A Look At How Many Reach This Major Wealth Milestone originally appeared on Benzinga.com
© 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
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Bitcoin open interest soars to one-year high as BTC price rallies toward $68K
Demand for leverage in BTC futures jumped to $38 billion, but traders appear well-positioned enough to avoid surprise price swings.
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