Former Liverpool striker and MOTD2 pundit Peter Crouch explains why some Reds fans are not getting carried away after Sunday’s win over title rivals Manchester City. http://www.bbc.co.uk/sport/football/50370087
GOOGLE is raking in tens of millions of pounds from scammers who are using its search engine to lure savers to invest in high-risk or potentially fraudulent schemes.
The internet giant is taking massive fees for promoting accounts from unscrupulous firms that advertise eye-catching savings rates aimed at those looking for the best cash Isas.
Google is raking in millions of pounds from scammers who are using its search engine to con savers[/caption]
Many claim to be regulated by the City watchdog the Financial Conduct Authority or have the protection of a financial services compensation scheme but that is not the case.
They also use words such as “secure”, “safe” and “low-risk” to convince savers their money will be protected.
Some use logos of official bodies that do not back them – as well as falsely boasting of links with reputable organisations, reports our sister newspaper
Experts who have analysed the websites found during The Times investigation said Google makes many millions of pounds from them.
Google said it would conduct a thorough investigation of the websites it had approved for its ads service.
The FCA said that it would include the sites on its scams register.
It issued warnings over six savings websites reported by the newspaper.
Many victims of London Capital & Finance (LC&F), which was regulated but collapsed in March having taken £236 million from savers through unregulated products – put their money into it after finding prominent adverts on Google.
Baroness Altmann, the former pensions minister, said: “Surely there should be some responsibility on websites such as Google to check whether a company that claims to be authorised really is.
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“It is simply not realistic to expect savers to know how to tell if a provider falsely claims it is regulated by the FCA. Customers clearly need better protection and the FCA is right to ask for more powers.”
After the financial crash, saving rates on accounts offered by banks and building societies have plunged from highs of about six per cent to an average of 0.62 per cent for a typical easy-access deal.
As a result, savers are increasingly using the internet to seek out the best rates.
The coin featured The Snowman flying through the sky above Brighton Pier alongside human pal James, and was available in brilliant uncirculated for £3.99, as a silver proof for £60 and as a gold proof for £775.
This time round, the design sees The Snowman standing firmly on a snow-carpeted lawn with James in front of him and the forest in the background.
There will be three versions for collectors to get their hands on, although they’re much pricier this time; an unlimited number of brilliant uncirculated coins will cost £10 each, 25,000 silver proof coins will set you back £65, and 600 gold-proof coins will be an eye-watering £980.
As this is a commemorative coin designed in collaboration with publisher Penguin Ventures it will not enter circulation – so you won’t find it cropping up in your spare change.
And it’s worth pointing out that only the silver proof version will be coloured.
Colin Bellamy of the Coin Hunter website reckons the new coin will only be worth its face value until production of it ends or until the higher value coins sell out.
But silver proof versions of the first The Snowman coin have recently sold for almost double their initial cost on eBay at up to £117.
Meanwhile a rare Isle of Man 50p coin featuring The Snowman and James sold for a whopping £299.99 on eBay in September.
THE value of a coin varies depending on how sought after it is by collectors.
Rare coins – those with low mintage numbers – are often the most valuable but that’s not always the case.
We take a look at the top five rarest 50p coins still in circulation by mintage figures:
2009 Kew Gardens (210,000 minted)
2011 Wrestling, Olympic Games (1.1million minted)
2011 Triathlon, Olympic Games (1.1million minted)
2011 Judo, Olympic Games (1.1million minted)
2018 Peter Rabbit and Flopsy Bunny (1.4million of each minted)
Nicola Howell, director of consumer at The Royal Mint said: “Following the fantastic response to The Snowman’s debut appearance on a 50p coin to celebrate the 40th anniversary of Raymond Briggs’ classic tale in 2018, we are delighted to introduce the second coin in the series capturing James and The Snowman’s friendship.
In addition to the new coin, The Royal Mint is also launching a limited edition “Minty” piggy bank, which will feature a Snowman design.
Just 250 piggy banks have been made but they’ll set you back £95.
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We pay for your stories! Do you have a story for The Sun Online Money team? Email us at firstname.lastname@example.org call 0207 78 24516.Don’t forget to join the Sun Money’s Facebook group for the latest bargains and money-saving advice.
THE average driver spends a frightful £56,000 on petrol in their lifetime – so today I’ll show you how to pay a bit less at the pumps. CHECK FOR DEALS: Get 10p off every litre of fuel when you spend £60 at Sainsbury’s until tomorrow. Remember, it’s only worth it if you’re doing a big shop anyway. Filling a 60-litre tank would cost you around £76 normally but with the voucher it would cost you £70, saving you £6.
COMPARE THE COST: Find the cheapest fuel in your area by using a comparison site. In Southampton, an Esso petrol station has unleaded petrol for 125.9p per litre. But petrolprices.com reveals that just down the road, Tesco wins at 113.1p a litre. Getting 20 litres at the higher price would cost £25.18, but at the lower price it’s £22.62. With this £2.56 saving every week, you’d save £133.12 per year.
COMBINE YOUR ERRANDS: Did you know that when you drive after being parked for a few hours, your car engine is cold and uses more fuel for around the first five miles? If you can, combine your daily tasks into one big trip to help save fuel.
MAINTENANCE IS KEY: Motoring experts from leasevan.co.uk emphasise that regular maintenance of a vehicle gives you the best chance of having all the systems working as efficiently as possible. They added: “Checking tyre pressures regularly can improve efficiency. Under-inflated tyres can cause you to use up to two per cent more fuel.”
CLEAR OUT THE BOOT: The heavier your car, the more fuel it needs to move the weight. Many of us are guilty of carting around all kinds of unnecessary baggage in the boot, and it could be seriously ramping up the cost of driving. Heavy items such as prams and sports equipment are the worst culprits as it’s often less bother to leave them in there, but you may want to re-think this in terms of long-term costs.
SLOW DOWN: Shaving time off your journey by going faster may cost you money. According to the AA, if you drive at 70mph, you’ll use up to nine per cent more fuel than at 60mph, and up to 15 per cent more than at 50mph. Taking it up to 80mph can use up to 25 per cent more fuel than at 70mph. For example, on a 200-mile trip, you may arrive around 20 minutes earlier by travelling at 80mph instead of 70mph, but according to experts, that time-saving could actually add up to £7 extra spent on fuel.
PRICES correct at time of going to press. Deals and offers subject to availability.
Deal of the day
ROYAL Caribbean ship Anthem Of The Seas is running open days while docked in Southampton next May so you can look round.
If you can prove you are scared of flying – a medical note or a 50-word story about your worst experience – you even get a free lunch.
INDULGE yourself with Options Belgian Choc Salted Caramel hot chocolate, £2 at Asda, down from £3.99. It’s delicious.
I LOVE voluminous lashes, so was amazed when I saw Wilko’s Essence Lash Princess false-lash-effect mascara is just £3.30. That’s a steal compared with Chanel’s for £28.
Shop & save
STOCK up on chocs for the festive season. Head to Tesco for two for £7 on selected tubs such as Quality Street and Celebrations.
Reader’s saving tip
CLIVE WHITBY, from Basingstoke, Hants, says: “In supermarkets, look in the World Food aisle because some products, such as tinned tomatoes, chickpeas and coconut milk, are often cheaper.”
Send your tips to sunsavers.co.uk/tips and you’ll get 28 codes worth £5 if yours is used. Please include your name and town.
My Sun Savers fiver
COLIN BALLANTYNE, from Monmouth, Gwent, says: “My partner is my full-time carer so I’ll spend my £5 on flowers for her, to tell her she is loved very much.”
Send your Savers fiver stories, with your name and town, to sunsavers.co.uk/fivers and you’ll get 28 codes worth £5 if yours is used.
Superdays: Win two FREE Madame Tussauds tickets worth £70
DON’T miss your chance to get two FREE tickets to Madame Tussauds London worth £70, with Sun Superdays.
Grab your cape and join your favourite Marvel super heroes at the London attraction. Come face to face with the The Incredible Hulk, hang out with Spider-Man and blast off with Iron Man.
Then grab your seats in the mesmerising 4D cinema, housed in the iconic planetarium dome, where The Avengers will enlist your help to save the day from the evil Doctor Doom in a film specially created for Madame Tussauds London.
Plus, new for 2019, witness the epic powers of Captain Marvel in a new interactive experience.
Madame Tussauds London has also unveiled Dwayne “The Rock” Johnson and diva Beyonce so you can see how you match up against the Hollywood giant and the soul diva on stage.
To get your free tickets, simply download the Sun Savers app or sign up at thesun.co.uk/superdays. Next, head to the “Offers” section and click “Start Collecting” on the “Superdays – Madame Tussauds” page.
Then, collect NINE Sun Savers codes from those printed daily in The Sun until Tuesday, November 12. Today’s Sun Savers code can be found on Page 20 of the paper.
Enter your nine Sun Savers codes on the Sun Savers app or website. Lastly, click “Book” and you will receive a unique code via email with steps on how to book your day out on the Madame Tussauds London website.
Alternatively, you can collect TEN in-paper tokens and book using the form found online at thesun.co.uk/superdays.
So what are you waiting for? Start collecting for your tickets today!
Subject to availability. Multiple code/token collect. Online access required. T&Cs apply, see superdays.thesun.co.uk/.
Play now to win £50,000 on the Sun Savers Raffle
YOU could win £50,000 in our Sun Raffle – just by picking up The Sun paper.
Whether you’re saving for a new car or have started preparing for Christmas, we know just how expensive life can be.
That is why we’re trying to help by giving away £50,000 to one lucky reader every month in our Raffle.
To enter, download the Sun Savers app or sign up at sunsavers.co.uk. Then, opt in to each month’s Sun Raffle by clicking “Yes!” when prompted and start collecting the codes printed daily inside the paper – scanning in the app or entering online.
Today’s code is on Page 20 of the paper. Make sure you collect and enter your code today as the next giveaway is Saturday, November 30.
With every code you enter, you will earn a ticket into that month’s £50k Raffle.
There is no limit to how many tickets you can collect per month, so as November has just begun now is the perfect time to start entering codes to give yourself the best chance of winning.
Not already a Sun Savers member? Find out all about the great treats and rewards that you can earn with Sun Savers in the paper.
WANT to engineer yourself a bright future? Check out Tomorrow’s Engineers Week, which starts on Monday and aims to show what a good career engineering can be and the impact it has on the world’s wellbeing.
It is one of the UK’s biggest employment sectors, responsible for generating a quarter of our GDP. But despite its importance, it is in the grip of a skills shortage — with 186,000 recruits needed each year until 2024 to make up the shortfall.
Now in its seventh year, 2019’s Tomorrow’s Engineers Week will focus on helping more women and ethnic minority students enter the sector. Fewer than 13 per cent of engineers are women, despite half of girls aged 11 to 14 saying they would consider a career in the sector.
Under eight per cent are from BAME backgrounds, compared to 12 per cent of the working population. The highlight of the week is The Royal Academy of Engineering’s This Is Engineering Day.
It takes place next Wednesday, when engineers, students, universities and colleges will share diverse images of the industry via social media accounts @ThisIsEng on Twitter and ThisIsEngineering on Instagram.
Engineering is one of the best-paid employment sectors, with average salaries around £47,000. Apprentice salaries are from £14,000 to £25,000 and top jobs pay six-figure salaries.
FORMER violin teacher Lucy Richardson is the acoustics engineering team lead at appliance firm Dyson.
The 30-year-old, who worked on the development of the new ultra-quiet Dyson Supersonic hairdryer, joined the firm as a graduate after studying acoustical engineering at the University of Southampton.
Lucy, from Malmesbury, Wilts, says: “I love seeing the products I have worked on in the shops – and in my friends’ houses.
“It is a great feeling when a mate tells you how much they love using their new Dyson Supersonic hairdryer, and how it no longer wakes up their housemates in the morning when they dry their hair.
“To be a good engineer, you need to be curious. Ask questions, pull things apart to find out how they work, then think about how you could make them even better.
“If you are a woman, don’t think of yourself as a female engineer but be confident in your abilities and proud of the different perspective you can bring to product design.”
Purpose trumps profits
COMPANIES can no longer simply sell a product to make money – they are also expected to think about their purpose as well as their profit. Here business expert Gavin Russell, author of Transformation Timebomb, reveals how to find an employer who really puts purpose before profit . . .
TALK to employees past and present. Many companies say they are purpose-driven but their staff can tell you if they practise what they preach. Sites such as LinkedIn can help you connect.
CHECK independent peer- review sites, such as Glassdoor and TheJobCrowd. They also measure factors such as culture, values and environmental awareness.
RESEARCH the ownership. Many companies are controlled or heavily influenced by third parties that may not have the same views as the potential employer.
IS the company B Corps- certified? This legally requires companies to consider the impact of their decisions on their workers, customers, suppliers, community and environment.
IF you get to interview, ask for an example of how the firm’s purpose has influenced its approach to profitability.
40-day job hunt
HOPING to find a new job in the new year?
Then you better get a move on right now.
The average job application process takes 40 days from submitting a CV to being offered a role, according to specialist recruitment firm Michael Page.
Add in notice periods and Christmas holidays and it means you will need to apply by the middle of this month if you want to be taking up a new role in January next year.
Nick Kirk, UK managing director at Michael Page, says: “The average process takes over a month.
“Those who start seeking a new role in January may find themselves actually moving in March.”
Land at Gatwick
GET on board with a job at Gatwick as the airport hosts its annual careers fair.
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There will be more than 1,000 jobs on offer from 40 airport-based employers, including Sussex Police, Border Force, Govia Thameslink Rail, The Body Shop, KFC, Pret a Manger, Hamleys and Wetherspoon.
The event takes place on Thursday at the Arora Hotel, Crawley, West Sussex, from 10am to 5pm.
Lisa Clegg, from human resources at Gatwick, says: “It’s a great chance to speak to employers and to walk away with an exciting new job. Gatwick’s HR department will also be on hand to provide hints and tips on making your CV stand out.”