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Lançamento da Yamaha NMax 160 2025 no Brasil é oficializado

Lançamento da Yamaha NMax 160 2025 no Brasil é oficializadoA Yamaha apresentou oficialmente a nova NMax 160 2025 no mercado brasileiro, trazendo inovações que prometem melhorar a experiência dos usuários desta scooter popular. O lançamento adiciona concorrência à Honda PCX 160, com alterações principalmente no visual e nas funcionalidades, embora algumas mudanças técnicas também tenham sido realizadas. A atualização estará disponível nas lojas a...

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NFL deve ter novo jogo no Brasil em 2025

A National Football League (NFL) revelou seus planos de realizar mais um jogo da temporada regular no Brasil em 2025. O anúncio foi feito durante uma coletiva de imprensa virtual em 17 de outubro de 2023. Após o sucesso do jogo inaugural entre Philadelphia Eagles e Green Bay Packers, realizado em São Paulo, a liga...

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Larissa Manoela e André Luiz comemoram 10 meses de casados

Larissa Manoela casamentoA atriz Larissa Manoela e o ator André Luiz Frambach completaram dez meses de casamento, celebrando sua união com uma cerimônia íntima no quintal de casa, em dezembro de 2023. O relacionamento começou em 2022 e foi oficializado de forma discreta, sendo revelado publicamente somente através das redes sociais, onde Larissa compartilhou seu carinho pelo...

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Moysés Macedo: O filho de Edir Macedo e as fotos sensuais

Moysés MacedoMoysés Macedo atraiu olhares nas redes sociais ao publicar imagens provocantes em seu Instagram. O que inicialmente chamou a atenção foi sua aparência, mas a revelação de que ele é filho de Edir Macedo, líder da Igreja Universal do Reino de Deus, foi o que realmente causou alvoroço na internet, gerando debates e curiosidade sobre...

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St. Thomas city manager departing to take job in Brantford

St. Thomas is looking for a new top bureaucrat after its city manager said he’s stepping down to take the post of chief administrative officer in his hometown of Brantford. St. Thomas city council is set to begin recruiting a replacement for Michael Bradley who is leaving in mid-November. “On behalf of city council and […]

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Water giants want even more cash from hard-pressed customers – by adding £100 to bills over five years

WATER giants want to flush out even more cash from hard-pressed customers by adding another £100 to bills over five years.

The biggest suppliers in England and Wales say they need price rises above the levels they have already asked for, despite the regulator telling them that even those amounts were too high.

a close up of a faucet with water running out of it
Getty
Troubled Thames Water says it needs to raise bills by 59 per cent to survive, but Ofwat wants a limit of 23 per cent.[/caption]

In July, Ofwat said bills could go up by an average of £94 in the period up to 2030 — a 21 per cent hike, typically working out at an extra £19 a year.

But most companies have now submitted new plans, saying they need to cover urgent investment to cut sewage spills and combat leaky pipes, as well as higher debt interest costs.

It emerged as one provider, United Utilities, was yesterday accused of failing to report more than 100million litres of raw sewage being illegally dumped into Lake Windermere over a three-year period.

Southern Water has already asked to lift bills by 72 per cent from £420.35 a year to £627 a year. Ofwat said in July this should be limited to 44 per cent, but now bosses want more.

Troubled Thames Water says it needs to raise bills by 59 per cent to survive, but Ofwat wants a limit of 23 per cent.

Thames creditors argue that unless Ofwat approves the bigger rise, investors will desert the business and it could run out of cash by the New Year.

They say that could create a domino effect, causing an overall lack of appetite to invest in UK infrastructure.

Family’s back at N Brown

a woman in a pink and purple floral dress is standing in front of a white wall
ELISABETH HOFF
The stock price of N Brown, which recently called on TV’s Denise van Outen to front JD Williams adverts, jumped by 45 per cent yesterday on the back of the bid[/caption]

THE fashion group behind Jacamo, JD Williams and Simply Be is being taken private in a £191million deal by the family that built the business up 60 years ago.

Joshua Alliance is to pay 40p per share for the 40 per cent of the N Brown Group that his family does not already own.

Mike Ashley’s Frasers Group has 20 per cent and will make a sizeable profit after upping its stake in February when the shares were sitting at only 18p.

The stock price of N Brown, which recently called on TV’s Denise van Outen to front JD Williams adverts, jumped by 45 per cent yesterday on the back of the bid.

people are walking in front of a jacamo store
Alamy
The family that founded Jacamo, JD Williams, and Simply Be is taking the fashion group private in a £191 million deal.[/caption]

Mr Alliance, 35, has a 6.6 per cent stake while his father, 92-year-old Lord David Alliance, who bought the business in 1963, has 53.4 per cent.

Lord David was once known as the King of British Textile for his empire that included Coats Viyella.

 He started his career working in bazaars in Iran before moving to Manchester to work in the rag trade.

Joshua Alliance said N Brown would be better off in private hands because, due to its current shareholder ownership, it is “not benefiting from being listed on the AIM market — whilst having to bear significant costs associated with its listing”.

He said: “In the business’s current cycle of evolution, we will be able to achieve this growth potential more successfully away from the public markets.”

Taking a break in revenue

a red nestle kitkat bar on a white background
Alamy
KitKat maker Nestle has said its sales would grow by around 2 per cent this year, rather than the 4 per cent expectation it had at the start of the year[/caption]

KITKAT maker Nestle has halved its growth expectations for the year after blaming weaker demand and boycotts linked to the conflict in the Middle East.

The world’s biggest food group said its sales would grow by around 2 per cent this year, rather than the 4 per cent expectation it had at the start of the year.

It said its growth was impacted by “soft consumer demand and consumer hesitancy towards global brands, linked to geopolitical tension”.

 The cost of living crisis has also prompted many shoppers to turn their back on many big brands, which have raised prices and shrunk packets to boost their profits.

The Swiss food giant follows global giants Starbucks and McDonald’s in being impacted by boycotts linked to the conflict in Gaza.

Nestle has become a target for the boycott due to its stake in Israeli food seller Osem.

Buy now, pay safer

SHOPPERS will be protected by new rules around “Buy Now, Pay Later” firms, the City watchdog has confirmed.

Regulation around BNPL products, such as Klarna and Clearpay, will finally kick in by early 2026, the Financial Conduct Authority has said.

Proposals to regulate BNPL were first touted in 2021. The new rules will mean firms must follow the same laws covering credit cards and customers will be protected if things go wrong.

30 fired at Meta

FACEBOOK’S Mark Zuckerberg has fired almost 30 workers on six-figure salaries for using meal credits to buy goods such as wine glasses.

Staff at Meta, the owner of Facebook and Instagram, were being paid £300,000 but still received perks including free meal vouchers to buy breakfast, lunch and dinner.

A probe found the sacked workers had used them to buy toothpaste and cosmetics.

Meta, worth £1.1trillion, has led an efficiency drive which has included 21,000 lay-offs in the past two years.


THE boss of Ladbrokes owner Entain has lifted its profit forecasts after a boost from the recent Euros and NFL matches. But Gavin Isaacs yesterday also warned the Government that a tax grab on the gambling ­sector would lead to job losses.


£571M in scams

BRITS had more than £571million stolen by fraudsters and scammers in the first six months of the year.

There were almost 2,000 cases of romance scams, with customers losing £14.5million, says UK Finance data.

Criminals posing as bank staff or police stole £32.3million, while fraudsters pretending to be bosses to trick victims into transferring cash led to a £7.8million loss.

Banks are calling on social media firms to help tackle scammers at source because most fraud starts online.

SHARES

  • BARCLAYS up 8.05 to 245.10
  • BP up 4.55 to 400.00
  • CENTRICA up 0.90 to 125.60
  • HSBC up 5.20 to 678.00
  • LLOYDS up 0.66 to 61.86
  • MARKS & SPENCER down 2.60 to 390.80
  • NATWEST up 7.70 to 362.80
  • ROYAL MAIL flat 0.00 at 343.80
  • J SAINSBURY up 4.20 to 278.80
  • SHELL up 22.00 to 2,554.50
  • TESCO up 7.00 to 362.10

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Harry Styles posts emotional tribute to Liam Payne whose ‘greatest joy was making other people happy’ after tragic death

HARRY Styles has paid tribute to Liam Payne after the star’s tragic death in Argentina yesterday.

The former One Direction singer shared a picture of Liam on Instagram alongside a heartfelt statement.

a man in a white tank top singing into a microphone
Harry shared this picture of Liam to his Instagram page with a sweet tribute message
a quote from harry that says i am truly devastated by liam 's passing
Harry’s tribute to his former bandmate
Liam shot to fame as part of One Direction in 2010
Liam shot to fame as part of One Direction in 2010
a man is singing into a microphone on a stage .
Liam Payne, 31, died on Wednesday in Argentina

Harry wrote: “I am truly devastated by Liam’s passing.

“His greatest joy was making other people happy, and it was an honour to be alongside him as he did it.

“Liam lived wide open, with his heart on his sleeve, he had an energy for life that was infectious.

“He was warm, supportive, and incredibly loving.

“The years we spent together will forever remain among the most cherished years of my life.

“I will miss him always, my lovely friend.

“My heart breaks for Karen, Geoff, Nicola and Ruth, his son Bear, and all those around the world who knew and loved him, as I did.”

One Direction paid tribute to Liam as a group earlier on Thursday, saying in a statement: “We’re completely devastated by the news of Liam’s passing. In time, and when everyone is able to, there will be more to say. 

“But for now, we will take some time to grieve and process the loss of our brother, who we loved dearly. 

“The memories we shared with him will be treasured forever. For now, our thoughts are with his family, his friends, and the fans who loved him alongside us. 

“We will miss him terribly. We love you Liam. – Louis, Zayn, Niall and Harry.”

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State pension warning as over one million risk £2,858 a year shortfall – exact amount you need to save for retirement

OVER one million people face a shortfall of £2,858 in retirement, experts have warned.

Anyone who has just the state pension to live off would run out of cash today, according to the Pensions and Lifetime Savings Association (PLSA),

a poster showing how much you really need to retire comfortably
The PLSA’s minimum retirement living standard covers all of a retiree’s basic needs as well as having some money left over for fun

A single pensioner needs an annual income of £14,400 to meet the what the PLSA calls a “minimum” standard of living.

It aims to cover all of a retiree’s basic needs as well as to have a small amount left over for leisure.

But the new state pension is currently worth just £11,542 annually.

That means that those without extra savings would exhaust their income by October 18, which the PLSA has branded “State Pension Shortfall Day” .

Around 1.2million retirees will need to contribute an extra £2,858 from a private pension or other savings to bridge the gap.

Pensioners aiming for “moderate” or “comfortable” retirement need more savings to cover annual expenditures of £19,758 and £31,558 a year respectively. 

A moderate retirement is considered slightly more extravagant, while a comfortable one includes extra cash for multiple holidays abroad.

It means those relying solely on the full new state pension would run out of money even earlier in the year if their spending aligned with these higher standards.

The PLSA updates its retirement living standards each year to consider the rising cost of living.

They’re designed to help savers determine how much cash they’ll need when they stop working.

They don’t count mortgage payments or rent or any financial support you give your children or other dependents.

If you think you’ll still have those costs to meet when you retire, you’ll need to up your savings considerably.

Stephen Lowe, group communications director at retirement specialist Just Group, said: “At a time when government support for retirees’ finances is under scrutiny, State Pension Shortfall Day marks the day in the year when a pensioner living to a ‘minimum’ standard would theoretically run out of money if their only source of retirement income were the state pension.

“Despite two successive, significant increases, the full new state pension still falls nearly £3,000 a year short of meeting the ‘minimum’ of the PLSA’s Retirement Living Standards and is nearly £20,000 lower than the income required to support a ‘moderate’ standard of living.”

STATE PENSION BASICS

AT the moment the new state pension is paid to both men and women from age 66 - but it's due to rise to 67 by 2028 and 68 by 2046.

It is a recurring payment from the government most Brits start getting when they reach the state pension age.

However, not everyone gets the same amount, and you are awarded depending on your National Insurance record.

For most pensioners, it forms only part of their retirement income, as they could have other pots from a workplace pension, earning and savings. 

The new state pension is based on people’s National Insurance records.

Workers must have 35 qualifying years of National Insurance to get the maximum amount of the new state pension.

You earn National Insurance qualifying years through work, or by getting credits, for instance when you are looking after children and claiming child benefit.

If you have gaps, you can top up your record by paying in voluntary National Insurance contributions. 

To get the old, full basic state pension, you will need 30 years of contributions or credits. 

You will need at least 10 years on your NI record to get any state pension. 

The full rate of the new state pension is £221.20 a week – or £11,542 a year.

Under the old system, the full basic state pension is £169.50 per week and is paid to those who retired before April 6, 2016.

State pension payments are expected to rise by 4.1% in line with wages from April 2025.

This means someone on the full new state pension will see their payments rise by around £473 a year next spring.

THE ‘MINIMUM’ RETIREMENT

The PLSA’s minimum retirement living standard covers all of a retiree’s basic needs as well as having some money left over for fun.

It includes a week’s staycation each year, eating out once a month, and some affordable leisure activities twice a week – but no car.

The PLSA says to afford this retirement, you would need an annual budget of £14,400 as a single person and £22,400 as a couple. 

It’s important to remember that the state pension will make up part of that income. 

Retirees can start to claim the state pension at 66, though if you’re retiring after 2026, you’ll almost definitely see that minimum age rise.

Those claiming the full flat rate state pension now receive £221.20 a week, equal to £11,542 a year.

However, not everyone qualifies for the full amount.

If you had gaps during your working year, you may have paid less national insurance and would receive a smaller state pension to reflect that.

However, millions of retirees can still top up their national insurance contributions.

THE ‘MODERATE’ RETIREMENT

For a slightly more extravagant retirement, an individual will need an income of £31,300 a year or £43,100 for a couple.

The moderate retirement living standard includes a two-week holiday in Europe each year and eating out a few times a month. 

Around half of single employees are estimated to be on track to achieve a minimum or moderate retirement, with couples more likely to be at the top end of this range.

THE ‘COMFORTABLE’ RETIREMENT

To live comfortably in retirement, the PLSA said an individual would need an income of £43,100 a year, and a couple would need £59,000 between them. 

This includes a three-week holiday, plenty of money to spend on clothing and more on social activities such as birthdays. 

It would also be enough to cover several UK minibreaks a year.

SAVING FOR RETIREMENT

ANYONE planning their retirement needs to do some careful calculations about how much they will need to afford the lifestyle they want.

A good starting point is the government’s state pension age calculator, which will tell you when you will receive your state pension.

Visit gov.uk/state-pension-age to find out more.

Pension calculators can also help you determine how much money you need to save to have the pension pot you want at retirement. 

The earlier you start saving, the easier it is as your money grows longer. 

And you’re not on your own when saving for retirement.

Your workplace will almost certainly contribute some money to your pension pot, too, and you get tax relief from the government, which reduces the amount you have to pay yourself. 

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Supermarket own-brand Irish cream named better than Baileys in blind taste test – it’s not Aldi or M&S

A MAJOR supermarket’s own-brand Irish cream has pipped Baileys to top spot in a blind taste test.

Consumer website Which? asked a group of Irish cream fans to rate their favourite tipple out of a list of six in the run up to Christmas.

several bottles of irish cream liqueur with a christmas tree in the background
a bottle of irish cream liqueur with a green label
Sainsbury's
Sainsbury’s Taste the Difference Irish Cream liqueur has won a Which? blind taste test[/caption]
a bottle of baileys the original irish cream
Sainsbury's
The supermarket chain pipped Baileys to the top spot[/caption]

And they gave Sainsbury’s 70cl boozy bottle, priced at £13, a 74% rating overall, beating Baileys to the number one spot.

Shoppers highlighted the products’ well-balanced sweet, boozy flavour and creamy mouthfeel.

Meanwhile, the 70cl bottle of Baileys Irish Cream Liqueur, priced at £16.50, received a 73% overall rating.

The branded version scored high marks across the board, with most tasters praising its sweetness, creaminess and strength of alcohol.

M&S’ Irish Cream Liqueur (£10 for 70cl) scored a 72% overall rating, with Lidl coming in fourth with 71%.

Meanwhile, shoppers said Lidl’s Deluxe Irish Cream Liqueur, priced at £7.99 for a 70cl boozy bottle and the joint cheapest out of all six bottles, had a decent flavour and mouthfeel.

Aldi’s 70cl bottle was the other joint cheapest on the taste test, priced at £7.99.

However, it scored second lowest in the blind taste test, with panellists deeming it lacked flavour and aroma.

Morrisons‘ 1litre The Best Irish Cream Liqueur, priced at £16, scored the lowest out of all six bottles tasted by the panellists.

They found it had a good mouthfeel but the appearance, aroma and flavour were rated worse than the others in the line up.

Natalie Hitchins, Which? head of home products and services, said: “Irish cream liqueur is a much-loved staple, and in the lead up to the festive season some shoppers will already be thinking about how they can get hold of a great-tasting option at a reasonable price.

“In our taste tests, Sainsbury’s was our panel’s top choice and was awarded a Best Buy.

“The bottle costs £3.50 less than Baileys and is a great budget-friendly alternative.”

It’s worth bearing in mind, the prices Which? found for the six bottles are correct as of October 15.

That means you might have to pay more or less when you come to buying one.

If you’re not fussed on flavour and are more worried about cutting costs, use a price comparison site to find the best deal.

Trolley lets you compare prices on thousands of products across the major supermarkets and filter results from the least to most expensive.

Bear in mind it doesn’t include prices from some retailers though, like Home Bargains and Lidl.

You can also have a quick scan of the internet with the Google Shopping/Product tab to see which retailer has the cheapest price on a specific product too.

In other taste test news, The Sun tried supermarket tinned pastas with a £1 can winning top spot.

Plus, reporter Joe Hadden tried the new tinned Heinz carbonara that can be cooked in two minutes.

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.

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