Money
We were rejected for a mortgage due to BIZARRE reason, but still managed to buy 3-bed dream home – how you can do it too
APPLYING for a mortgage is always stressful, but a surprising red flag meant Leigh and Patrick struggled to find a lender to help them onto the property ladder.
The couple, who live in Norwich, were eager to get a place of their own after growing “increasingly frustrated” at having to manage rising costs on their rental property.
Leigh, 42 and Patrick, 43, were paying £900 a month in rent for a two bedroom home in Norwich, Norfolk, with their rent rising by £50 in a year.
After spotting a new housing development nearby that was within their budget, they were eager to cease the opportunity to get their own place.
The pair had been gifted several thousand pounds towards their deposit from family members in Ireland, which they thought would be the key to unlocking their dream property.
But the couple were shocked to find that many lenders were automatically declining their mortgage application for this exact reason – and it almost cost them their dream home.
Lenders may reject a mortgage application when the deposit funds come from abroad, because it can be viewed as a financial risk.
Nicholas Mendes, mortgage technical manager, at John Charcoal, explained this is because lenders view overseas transactions as being at risk of money laundering.
“Lenders are required to comply with strict anti-money laundering regulations, and funds from foreign sources can raise red flags,” he explained.
“Verifying the origin of these funds can be more difficult.
“Additionally, funds from abroad often come in foreign currencies, which can introduce uncertainty due to fluctuating exchange rates.
“Lenders may see this as a risk, as the value of the deposit might decrease if exchange rates shift unfavourably before the mortgage process is complete.
“This could affect the loan-to-value (LTV) ratio, making the deposit smaller relative to the property value.”
But, this wasn’t the only hurdle to do with it coming from overseas that the couple had to overcome.
The family’s bank also refused to send the necessary statements to Leigh and Patrick’s bank because they were based in a different country.
Leigh said: “The bank had to send the statements over to Ireland, only for our family to have to send them back to England.
“The first bank statement they sent then had the wrong date, so they had to be re-requested, and the process had to be repeated again.
“We were so worried we’d lose our hold on the property we were hoping to reserve, but thankfully, the developer was very accommodating.”
These statements can be vital for helping lenders confirming that the funds are legitimate.
The couple sought the help of The Mortgage Advice Bureau (MAB) to find a lender that would accept their deposit.
Danny Belton, head of lending at the MAB, said, “For those in receipt of a gifted deposit they will need to show proof that it is from a legitimate source.
“For example, if the person has sold a home and gifted money from this, you’d need to show proof. If it has come from savings you’ll need to show evidence of the savings.
“The lender will ultimately need to be confident that this money is not a loan that will be called back and is legitimately owned and able to be gifted by the person sending the money.
“This can add delays to the buying process, but getting advice from a broker who can go through everything that’s required, might be the best bet to get you mortgage ready as quickly as possible.”
With help from MAB, the couple eventually managed to secure their three-bedroom home in Norwich in August 2023 through the shared ownership scheme.
The house cost £290,000 and Leigh and Patrick own 75% of it.
They took out a shared ownership mortgage of £206,625 for 27 years with fixed rate of 5.6% for five years.
Their monthly mortgage payments are £1,275 a month, while they pay £166 in rent – a total of £1,441 between them, or £720.50 each.
Leigh said: “Our broker was in contact with us every step of the way, and worked hard to find the most suitable option for us – one that was both affordable and offered a competitive interest rate.
“With the exception of the bank and deposit issue, we were quite surprised at how easy the mortgage application process was, and we have MAB to thank for that.”
How to get the best deal on your mortgage
IF you’re looking for a traditional type of mortgage, getting the best rates depends entirely on what’s available at any given time.
There are several ways to land the best deal.
Usually the larger the deposit you have the lower the rate you can get.
If you’re remortgaging and your loan-to-value ratio (LTV) has changed, you’ll get access to better rates than before.
Your LTV will go down if your outstanding mortgage is lower and/or your home’s value is higher.
A change to your credit score or a better salary could also help you access better rates.
And if you’re nearing the end of a fixed deal soon it’s worth looking for new deals now.
You can lock in current deals sometimes up to six months before your current deal ends.
Leaving a fixed deal early will usually come with an early exit fee, so you want to avoid this extra cost.
But depending on the cost and how much you could save by switching versus sticking, it could be worth paying to leave the deal – but compare the costs first.
To find the best deal use a mortgage comparison tool to see what’s available.
You can also go to a mortgage broker who can compare a much larger range of deals for you.
Some will charge an extra fee but there are plenty who give advice for free and get paid only on commission from the lender.
You’ll also need to factor in fees for the mortgage, though some have no fees at all.
You can add the fee – sometimes more than £1,000 – to the cost of the mortgage, but be aware that means you’ll pay interest on it and so will cost more in the long term.
You can use a mortgage calculator to see how much you could borrow.
Remember you’ll have to pass the lender’s strict eligibility criteria too, which will include affordability checks and looking at your credit file.
You may also need to provide documents such as utility bills, proof of benefits, your last three month’s payslips, passports and bank statements.
Why shared ownership?
A shared ownership scheme is where you buy a share in a property rather than the entire home.
You then pay rent to a landlord on the amount you don’t own.
Leigh and patrick said they had never heard of shared ownership before and had some reservations at first.
“Initially, we were concerned about the fact that you still pay rent on top of the mortgage, as well as the cost of the service charge on top of the other payments,” Leigh said.
“However, we figured that as rental costs were almost as much as a mortgage, it would be best to pay a little more and have the security of home ownership.”
Leigh said she now recommends the scheme to any wannabe homeowner who is concerned about high mortgage rates.
“Definitely get your affordability checked for Shared Ownership,” she added.
“You can buy a percentage of the property from as low as 25%, and you don’t have to worry about landlords breathing down your neck or suddenly deciding to sell up.
“Plus, as property values increase, so does the value of your percentage. It’s a fantastic option for first time buyers to get on the property ladder.”
Now settled into their home, the couple say they are “thankful to the scheme that gave us the opportunity to achieve our home ownership dreams”.
What are the pros and cons of shared ownership?
The main benefit of a shared ownership scheme is that it allows you to buy a home you wouldn’t have otherwise been able to afford.
You can get on the property ladder with a much lower deposit than if you bought the entire home, and you may be able to build up the share you own over time.
This is a particular draw to first-time buyers in the current market who are struggling to save enough for deposits.
One of the major downsides, however, is that you will have to keep paying rent on the part of the house you don’t own alongside your mortgage.
You need to factor both payments into your financial planning when you’re looking to buy through a shared ownership scheme.
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
Money
M&S shoppers clear shelves of ‘divine’ sweet and salty snack back on shelves NOW after ‘waiting all year’
Sweet treat shoppers have been clearing M&S shelves of this sweet and salty snack that has recently made a return to stores.
Described as ‘divine’ and on offer for just £2.50, the indulgent snack has been made available just in time for the run-up to Christmas.
Available in-store and online when shopping from Ocado, M&S have offered customers the chance to try out their Milk Chocolate Cinnamon Sugar Tortilla Rolls.
Perfect for the festive season, the crunchy snack has been dipped in creamy milk chocolate and has been listed as suitable for vegetarians and as gluten free.
Social media users have been quick to react to a post from one bargain buyer who spotted the delight and shared on Facebook.
The photo has since gained over 5k reactions with a further 5k Facebook users flocking to the comments section.
One user said: “I’ve waited all year for these beauties!!!”
Another wrote: “Oh I love these, I’ve been looking for them.”
Someone else put: “They are delicious xxx”
A fourth commented: “omg! Remember how many times I’ve eating these… so lovely.”
Someone else said: “the way I would eat a whole bag!”
Those hoping to head in-store to make their purchase may want to phone up ahead to avoid disappointment due to stock levels.
Whilst those heading online should consider the added delivery fees.
One bag has been advertised as weighing 175 grams and offers around five servings – if you’re feeling generous.
Party planners and sweet snackers have been offered far more than just the cinnamon treat with M&S revealing their Christmas range.
An incredible list of 450 new items has been unveiled, showcasing the supermarket giant’s finest festive food.
Other indulgent offerings include hot honey over halloumi in blankets, brie brulée and Turkey feast dip.
Shoppers hoping to bring the festive spirit into their home could even purchase a battery-powered snow globe or wind up biscuit tin.
M&S CLUB REWARDS
ALL M&S credit card holders can sign up for the retailer’s Club Reward scheme.
It costs £10 a month and currently offers the following benefits:
- Extra reward points: Customers receive two extra rewards points per £1 spent in M&S when using their card online and in-store on top of the rewards points you earn already
- Free next day deliver: Shoppers get free next day delivery at no extra cost on full-price clothing, home and beauty purchases at M&S.com. This means you’ll save £5.99 per order.
- Hot drinks vouchers: Members get 32 hot drink vouchers a year to spend on any sized hot drink M&S cafes. This leads to savings worth up to £88 a year.
- M&S vouchers: Shoppers get £65 worth of free M&S vouchers each year. They get three £15 vouchers and one £20 voucher to spend in clothing or home departments, in-store or online.
- Birthday treat: On your birthday, customers get a free £12 M&S food voucher.
- Extra points abroad: Shoppers spending abroad can get three reward points for every £1 spent on purchases made in the local currency.
Money
Four handy gadgets that can be used for so much more than just hot drinks
HOT chocolate season has officially arrived.
If you managed to grab Aldi’s Ambiano hot chocolate maker (a budget-friendly dupe of the pricey Hotel Chocolat velvetiser) you are in for a treat.
But these handy gadgets can do so much more . . .
MILKSHAKE MASTERPIECE: Turn your hot choc maker into a milkshake machine.
Whip up your drink as you normally would. While it’s blending, fill a chilled glass with ice and pour in 100ml of cold milk.
Once the hot chocolate is ready, pour it over the cold milk and ice. Use a straw to stir the mixture, creating a thick, creamy milkshake.
READ MORE MONEY SAVING TIPS
To take it to the next level, add a scoop of ice cream and a drizzle of chocolate syrup.
MARTINI MAGIC: Elevate your cocktail game with a decadent chocolate espresso martini — perfect for dinner parties.
Begin by making hot chocolate in your frother, then pour 50ml of it into a cocktail shaker filled with ice.
Add a shot of espresso, a shot of vodka and, for an extra touch of indulgence, a nice dash of Irish cream liqueur.
Shake vigorously until well mixed, then strain the cocktail into a martini glass. Dust the top with a little cocoa powder for a professional finish.
DELICIOUS DESSERT: Satisfy your sweet tooth with a rich, velvety chocolate mousse. Warm 100ml of whole milk in the frother, then add two servings of hot chocolate.
Pour the mixture into a dish and pop it in the fridge for a few hours to set. Once chilled, you will have a luxurious, fluffy mousse to feast on.
COOL COFFEE: Why pay for expensive lattes when you can make your own? Just froth up some cold milk while brewing a shot of espresso.
Pour the espresso into a large glass filled with ice, then top it with your frothy milk. You could also add a few spoons of caramel or chocolate syrup and a sprinkle of cinnamon for a tasty autumn twist.
The result? A smooth creamy iced latte, made in the comfort of your home for a fraction of the price.
- All prices on page correct at time of going to press. Deals and offers subject to availability.
Deal of the day
AT home for half-term? Pick up this 1,000-piece Clementoni Harry Potter puzzle, RRP £15.99, currently £6.99 at Home Bargains.
SAVE: £9
Cheap treat
CREATE the perfect autumn display with a cute munchkin pumpkin, usually 79p, now 49p at Asda.
SAVE: 30p
What’s new?
DOWNLOAD the All Bar One app to claim a free glass of Moet & Chandon champagne during October. If you have already got the app, you can still take advantage – just check the offers section.
Top swap
WISH you could splash out on the Bottega Veneta Hop tote bag, £3,670 from bottegaveneta.com?
Head to Marks & Spencer for its braided tote bag, for a much more reasonable £45.
SAVE: £3,625
Little helper
FOR an affordable half-term activity, check out the Pumpkin Carving event at various Cherry Lane garden centres.
Kids will also enjoy a creepy cookie and a zombie dance-off. Tickets are £6.99 per child, and two adults can join in for free.
Shop & save
SERVE up tea on these blue beautiful plates from Dunelm. The Hampton 12-piece dinner set was £30, now £15.
SAVE: £15
Hot right now
SHOP online at jdwilliams.co.uk and save 25 per cent when you use the code SPARK at checkout.
PLAY NOW TO WIN £200
JOIN thousands of readers taking part in The Sun Raffle.
Every month we’re giving away £100 to 250 lucky readers – whether you’re saving up or just in need of some extra cash, The Sun could have you covered.
Every Sun Savers code entered equals one Raffle ticket.
The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!
Money
Dunelm slashes price of cosy autumn home decorations to just £1 in huge 75% off clearance
BARGAIN buyers have been legging it to their local Dunelm branch to get their hands on these latest autumn home essentials – and you won’t believe the price.
With a huge clearance sale on offer, savvy shoppers could be in store for a treat before Christmas or could nab the items to gift to their friends.
Online shoppers have been offered an incredible deal with five separate items now available to be delivered straight to their door.
Dunelm shoppers heading to the site should be as quick as they can before the items get snapped up by others.
Perfect for self-indulgence or a stocking filler for family, the Apple & Cinnamon crackle candle has been put on offer for 50% off the original price.
Boasting “hints of vanilla” and “golden spices”, the “cinnamon-dusted muscovado sugar” scent offers to burn up to 30 hours.
Available for home delivery and in your nearest store depending on stock levels, the candle which crackles as it burns has been reduced to a remarkable £1.50.
For just 25 pence more, avid Autumnal fans could nab a set of six Wax Melts too.
Shaped like leaves, the “Autumn Walks” offer an experience “reminiscent of walking through the woodlands”.
Others hoping to get hold of novelty shaped items could choose to purchase the on-the-go Pumpkin Air Freshener.
Reduced from £2 to £1 the item offers drivers the chance to catch a whiff of Autumn by infusing their car with the “delightful scent of pumpkin”.
Nature lovers and fans of decorative flair in their home could add Cinnamon Sticks to their basket.
Priced at just £2, the beautiful bowl filler has been left unscented so could be ideal for crafts.
Those hoping to splash the cash could even be tempted by the Pumpkin Glass Tealight Holder which offers buyers the chance to nab the item in two colour ways for just £4 each.
Available in emerald and orange, the clearance value now means customers could buy two for the price of one.
That is not all on offer at Dunelm, with a further 75% clearance sale on other items.
Anyone considering heading to their local Dunelm branch may want to phone up ahead to avoid disappointment due to stock levels.
Social media users have taken to posting the incredible clearance sale online to ensure others do not miss out.
One person commented: “I’m well overdue a visit”.
Whilst someone else said: “50% off I think a visit is needed.”
Those hoping to get hold of the best offer on hand should consider shopping in-store due to potential delivery fees when ordering online to their door.
How to compare prices to get the best deal
JUST because something is on offer, or is part of a sale, it doesn’t mean it’s always a good deal.
There are plenty of comparison websites out there that’ll check prices for you – so don’t be left paying more than you have to.
Most of them work by comparing the prices across hundreds of retailers.
Here are some that we recommend:
- Google Shopping is a tool that lets users search for and compare prices for products across the web. Simply type in keywords, or a product number, to bring up search results.
- Price Spy logs the history of how much something costs from over 3,000 different retailers, including Argos, Amazon, eBay and the supermarkets. Once you select an individual product you can quickly compare which stores have the best price and which have it in stock.
- Idealo is another website that lets you compare prices between retailers. All shoppers need to do is search for the item they need and the website will rank them from the cheapest to the most expensive one.
- CamelCamelCamel only works on goods being sold on Amazon. To use it, type in the URL of the product you want to check the price of.
Money
‘Need to get them!’, movie lovers raving over new M&M’s chocolate popcorn snack on shelves of major supermarket
SWEET lovers are raving over new M&M’s chocolate popcorn snacks which are being sold at a major supermarket.
A picture of the Candy Pop Popcorn M&M Minis was posted in the Food Finds UK Facebook group, which has nearly 500,000 members.
One user, Danielle Boot, asked where they were from.
Another user, Claire Louise Davies, said: “Seen these in food warehouse yesterday.”
Danielle replied: “Thank you so much.”
Another group participant, Caroline Scrase, said she got the “Twix one” at B&M.
Social media user Kayla Hecquet said: “I need to get these!”
Becca Louise Fearn, who had tagged Kayla, replied: “Me too!”
Online convenience store HJodies lists the 5.25oz bags for £5.99.
The internet retailer describes the Candy Pop Popcorn M&M Minis as “the perfect snack for any occasion”.
The product description reads: “This delicious treat is made with fresh, fluffy popcorn with pieces of M&M’s.
“This creates a delightful combination of crunchy and chewy textures.
“Open a bag of Candy Pop Popcorn M&M Minis, and smell the aroma of fresh popcorn and sweet candy.
“The crunchy texture of the popcorn and the chewy texture of the M&Ms create a satisfying mouthfeel that will leave you craving more.
“The flavours of the candy glaze and the mini M&Ms perfectly complement the buttery taste of the popcorn.”
It comes after B&M shoppers went wild after spotting a rare Cadbury chocolate bar with a twist on shelves.
Fans were left devastated when the chocolate giant discontinued Dream bars 20 years ago.
But discount chain B&M started selling a new version of the treat, also made by Cadbury, the Sun reported earlier this week.
It combined both Dream and Marvellous Creations to create a raspberry-flavoured white chocolate bar.
Posting on the Newfoodsuk Facebook page, admins shared a whole selection of new chocolates found in the store.
They said: “Loads of new bars of chocolate spotted at B&M Stores.”
Money
New curry ‘hotter than the gates of hell’ made with world’s hottest pepper on shelves of major supermarket
A NEW curry that’s “hotter than the gates of hell” is now available at a major UK supermarket.
The Pepper X Chicken Tikka Masala at Iceland claims to be “made with the world’s hottest chilli pepper” and has an age restriction to buy.
The curry was crafted by Smokin’ Ed Currie, creator of the notorious Carolina Reaper.
In Facebook group Food Finds UK, one contributor shared a snap of the box – which features an X Factor-style logo.
They wrote: “Pepper X is almost twice as hot as the Carolina Reaper on the Scoville scale, coming in at almost 3m scovilles. The curry is a f**king demon.
“Oh, they also do a mac and cheese with pepper X too. £4 Iceland.”
Commenters were quick to share their experiences with the curry.
One said: “My partner had this earlier this week…. his exact words were ‘hotter than the gates of hell’ and he loves spicy food.”
Another asked: “Do you get your milk free with it?”
One person added: “I’ve had a Madras before but this? This would be going to hell (literally, the Madras was basically nearly a bonfire but this curry would be diving into a volcano, although you’d be dead before you touch the magma, which’d be almost rock solid).”
Though many were more than up for the challenge.
One person boasted: “3m is for the lightweights. Last one (sauce) I tried was just over 15m.
“Don’t know which was worse, the sauce or death nuts I did a few days after.
“Silly silly heat, but once past the shock it becomes easier.”
AGE RESTRICTION
It comes after Iceland introduced an age restriction on meals in the Pepper X range – which also includes Chilli Mac & Cheese – due to the extreme levels of heat.
The searing products have Iceland staff geared up to check IDs at the tills, ensuring the measurably spicy meals are only sold to customers over 18, reports the Mirror.
Commenting on the new additions, Matthew Worsley, head development chef at Iceland Foods, said: “Our customers love spice, and they are always pushing us to turn up the heat.
“So, this time we have developed a range that will not disappoint.
“Our Pepper X range is unlike anything we’ve ever offered to our customers before. It’s intense, it’s fiery and it’s certainly not for the faint-hearted.
“With intense heat comes great responsibility, so to ensure only the most experienced spice enthusiasts can take on the challenge, we’ve decided to limit sales to customers aged 18 and over.”
The Pepper X chilli earned the title of the World’s Hottest Chilli from Guinness World Records in 2023.
The fiery meals arrived in select Iceland and The Food Warehouse stores from October 10, with a full rollout across all Iceland and The Food Warehouse stores, including online, by October 14.
Money
Discount chain with nearly 200 branches shuts ‘absolutely loved’ town centre shop for good
A DISCOUNT chain with nearly 200 branches has shut its “absolutely loved” town centre shop for good.
The shop, based in the village of Ben Rhydding in Bradford, West Yorkshire, closed its doors forever on October 19.
The Original Factory Shop, on the corner of the A65 and Wheatley Lanea was once a garage and car showroom, but sadly the fate of the building has both been revealed and approved.
In August, Bradford Council’s planning panel approved the demolition of the building to make way for a drive-thru coffee shop.
Despite much controversy and uproar surrounding this plan, it seems the plan will be going ahead.
According to Telegraph & Argus, over 160 people wrote to Bradford Council, begging them to drop the plans.
This was followed by another 61 people signing a petition against the application, put forward by The EG Group Ltd and Burley Developments Ltd.
The EG was founded by the billionaire Issa brothers who operates other sites such as Starbucks, Greggs and Krispy Kreme – indicating what could replace the building.
In a Facebook post, The Original Factory Shop shared the sad news with locals and pointed them to the nearest chain in Otley.
It said: “We take this opportunity to thank all of the local community and our store colleagues for their support throughout our time here in Ilkley.”
Many unhappy locals have since taken to Facebook to share their thoughts.
One person wrote: “Absolutely loved the factory shop.”
While a second took a guess at what could replace the building: “It’s being taken over by the company that owns Starbucks and Kristy Kreme, so most likely a Starbucks. Tesco have had the plans.”
In response to this comment, a person said: “Glad it isn’t krispy kreme, my diet would be out the window.”
As locals questioned what could be replacing the shop, one person voiced their thoughts: “Well let’s hope they improve the aesthetics and make the signage in keeping with the town.”
Originally founded in 1969, the discount chain even turned 35 Woolworths stores into The Original Factory Shop stores.
It was also close to having 200 stores in the UK, but unfortunately this closure won’t get it any where nearer to that mark.
Alas, this news comes amid a wave of store closures across the UK.
Retail woes
Other retailers, such as Homebase, Boots, and Clarks, have been reducing the number of their high-street branches.
Rising rents, energy bills, and the cost of living have also caused many retailers to fail.
Several big retailers have fallen into administration in the past year, including Wilko, Paperchase, and most recently, The Body Shop and Ted Baker.
The Body Shop collapsed into administration on February 13, putting its almost 198 branches at risk of closure.
Since then, it has closed down 82 locations.
Why are retailers closing shops?
EMPTY shops have become an eyesore on many British high streets and are often symbolic of a town centre’s decline.
The Sun’s business editor Ashley Armstrong explains why so many retailers are shutting their doors.
In many cases, retailers are shutting stores because they are no longer the money-makers they once were because of the rise of online shopping.
Falling store sales and rising staff costs have made it even more expensive for shops to stay open. In some cases, retailers are shutting a store and reopening a new shop at the other end of a high street to reflect how a town has changed.
The problem is that when a big shop closes, footfall falls across the local high street, which puts more shops at risk of closing.
Retail parks are increasingly popular with shoppers, who want to be able to get easy, free parking at a time when local councils have hiked parking charges in towns.
Many retailers including Next and Marks & Spencer have been shutting stores on the high street and taking bigger stores in better-performing retail parks instead.
Boss Stuart Machin recently said that when it relocated a tired store in Chesterfield to a new big store in a retail park half a mile away, its sales in the area rose by 103 per cent.
In some cases, stores have been shut when a retailer goes bust, as in the case of Wilko, Debenhams Topshop, Dorothy Perkins and Paperchase to name a few.
What’s increasingly common is when a chain goes bust a rival retailer or private equity firm snaps up the intellectual property rights so they can own the brand and sell it online.
They may go on to open a handful of stores if there is customer demand, but there are rarely ever as many stores or in the same places.
-
Science & Environment1 month ago
Hyperelastic gel is one of the stretchiest materials known to science
-
Technology3 weeks ago
Is sharing your smartphone PIN part of a healthy relationship?
-
Science & Environment1 month ago
‘Running of the bulls’ festival crowds move like charged particles
-
Science & Environment1 month ago
Maxwell’s demon charges quantum batteries inside of a quantum computer
-
Science & Environment1 month ago
How to unsnarl a tangle of threads, according to physics
-
Technology1 month ago
Would-be reality TV contestants ‘not looking real’
-
Science & Environment4 weeks ago
X-rays reveal half-billion-year-old insect ancestor
-
Science & Environment1 month ago
Liquid crystals could improve quantum communication devices
-
Science & Environment1 month ago
Quantum ‘supersolid’ matter stirred using magnets
-
Science & Environment1 month ago
Sunlight-trapping device can generate temperatures over 1000°C
-
Womens Workouts4 weeks ago
3 Day Full Body Women’s Dumbbell Only Workout
-
Science & Environment1 month ago
Why this is a golden age for life to thrive across the universe
-
Science & Environment1 month ago
Quantum forces used to automatically assemble tiny device
-
Science & Environment1 month ago
Laser helps turn an electron into a coil of mass and charge
-
Science & Environment1 month ago
Nerve fibres in the brain could generate quantum entanglement
-
Science & Environment1 month ago
How to wrap your mind around the real multiverse
-
Science & Environment1 month ago
A slight curve helps rocks make the biggest splash
-
TV3 weeks ago
সারাদেশে দিনব্যাপী বৃষ্টির পূর্বাভাস; সমুদ্রবন্দরে ৩ নম্বর সংকেত | Weather Today | Jamuna TV
-
Technology3 weeks ago
Ukraine is using AI to manage the removal of Russian landmines
-
Science & Environment1 month ago
ITER: Is the world’s biggest fusion experiment dead after new delay to 2035?
-
Science & Environment1 month ago
A new kind of experiment at the Large Hadron Collider could unravel quantum reality
-
News1 month ago
▶️ Hamas in the West Bank: Rising Support and Deadly Attacks You Might Not Know About
-
News1 month ago
the pick of new debut fiction
-
Science & Environment1 month ago
Time travel sci-fi novel is a rip-roaringly good thought experiment
-
News1 month ago
▶️ Media Bias: How They Spin Attack on Hezbollah and Ignore the Reality
-
News4 weeks ago
Our millionaire neighbour blocks us from using public footpath & screams at us in street.. it’s like living in a WARZONE – WordupNews
-
Technology4 weeks ago
Why Machines Learn: A clever primer makes sense of what makes AI possible
-
Business3 weeks ago
DoJ accuses Donald Trump of ‘private criminal effort’ to overturn 2020 election
-
Business2 weeks ago
When to tip and when not to tip
-
Science & Environment1 month ago
Nuclear fusion experiment overcomes two key operating hurdles
-
Technology3 weeks ago
Microphone made of atom-thick graphene could be used in smartphones
-
News2 weeks ago
Navigating the News Void: Opportunities for Revitalization
-
MMA3 weeks ago
Julianna Peña trashes Raquel Pennington’s behavior as champ
-
News2 weeks ago
Massive blasts in Beirut after renewed Israeli air strikes
-
Sport3 weeks ago
World’s sexiest referee Claudia Romani shows off incredible figure in animal print bikini on South Beach
-
Technology3 weeks ago
This AI video generator can melt, crush, blow up, or turn anything into cake
-
News2 weeks ago
Heavy strikes shake Beirut as Israel expands Lebanon campaign
-
TV2 weeks ago
Love Island star sparks feud rumours as one Islander is missing from glam girls’ night
-
Sport2 weeks ago
Wales fall to second loss of WXV against Italy
-
Science & Environment1 month ago
Physicists have worked out how to melt any material
-
Science & Environment1 month ago
Physicists are grappling with their own reproducibility crisis
-
Technology2 weeks ago
Samsung Passkeys will work with Samsung’s smart home devices
-
Football3 weeks ago
Rangers & Celtic ready for first SWPL derby showdown
-
News2 weeks ago
▶ Hamas Spent $1B on Tunnels Instead of Investing in a Future for Gaza’s People
-
Sport2 weeks ago
Coco Gauff stages superb comeback to reach China Open final
-
News2 weeks ago
Heartbreaking end to search as body of influencer, 27, found after yacht party shipwreck on ‘Devil’s Throat’ coastline
-
Sport3 weeks ago
Sturm Graz: How Austrians ended Red Bull’s title dominance
-
Sport2 weeks ago
Boxing: World champion Nick Ball set for Liverpool homecoming against Ronny Rios
-
Business3 weeks ago
Eurosceptic Andrej Babiš eyes return to power in Czech Republic
-
News1 month ago
You’re a Hypocrite, And So Am I
-
Sport1 month ago
Joshua vs Dubois: Chris Eubank Jr says ‘AJ’ could beat Tyson Fury and any other heavyweight in the world
-
Science & Environment1 month ago
Rethinking space and time could let us do away with dark matter
-
Science & Environment1 month ago
Caroline Ellison aims to duck prison sentence for role in FTX collapse
-
Science & Environment1 month ago
A tale of two mysteries: ghostly neutrinos and the proton decay puzzle
-
News1 month ago
The Project Censored Newsletter – May 2024
-
Technology4 weeks ago
Meta has a major opportunity to win the AI hardware race
-
Technology3 weeks ago
Quantum computers may work better when they ignore causality
-
Technology3 weeks ago
University examiners fail to spot ChatGPT answers in real-world test
-
TV3 weeks ago
Phillip Schofield accidentally sets his camp on FIRE after using emergency radio to Channel 5 crew
-
Technology3 weeks ago
Amazon’s Ring just doubled the price of its alarm monitoring service for grandfathered customers
-
MMA2 weeks ago
Pereira vs. Rountree prediction: Champ chases legend status
-
Technology2 weeks ago
Texas is suing TikTok for allegedly violating its new child privacy law
-
News2 weeks ago
Hull KR 10-8 Warrington Wolves – Robins reach first Super League Grand Final
-
MMA2 weeks ago
‘Uncrowned queen’ Kayla Harrison tastes blood, wants UFC title run
-
Business3 weeks ago
Bank of England warns of ‘future stress’ from hedge fund bets against US Treasuries
-
MMA3 weeks ago
Dana White’s Contender Series 74 recap, analysis, winner grades
-
News2 weeks ago
German Car Company Declares Bankruptcy – 200 Employees Lose Their Jobs
-
TV2 weeks ago
Maayavi (මායාවී) | Episode 23 | 02nd October 2024 | Sirasa TV
-
Technology2 weeks ago
Popular financial newsletter claims Roblox enables child sexual abuse
-
Money2 weeks ago
Why thousands of pensioners WON’T see State Pension rise by full £460 next year
-
MMA2 weeks ago
Pereira vs. Rountree preview show live stream
-
Technology2 weeks ago
A very underrated horror movie sequel is streaming on Max
-
News2 weeks ago
Balancing India and China Is the Challenge for Sri Lanka’s Dissanayake
-
Technology2 weeks ago
The best shows on Max (formerly HBO Max) right now
-
Sport2 weeks ago
Man City ask for Premier League season to be DELAYED as Pep Guardiola escalates fixture pile-up row
-
Health & fitness1 month ago
The secret to a six pack – and how to keep your washboard abs in 2022
-
News1 month ago
New investigation ordered into ‘doorstep murder’ of Alistair Wilson
-
Sport3 weeks ago
Watch UFC star deliver ‘one of the most brutal knockouts ever’ that left opponent laid spark out on the canvas
-
Football1 month ago
Mike Williamson: Carlisle United appoint MK Dons boss as head coach
-
Politics1 month ago
UK consumer confidence falls sharply amid fears of ‘painful’ budget | Economics
-
Servers computers4 weeks ago
What are the benefits of Blade servers compared to rack servers?
-
Technology3 weeks ago
Artificial flavours released by cooking aim to improve lab-grown meat
-
Business3 weeks ago
Should London’s tax exiles head for Spain, Italy . . . or Wales?
-
MMA3 weeks ago
Conor McGregor challenges ‘woeful’ Belal Muhammad, tells Ilia Topuria it’s ‘on sight’
-
Technology3 weeks ago
Epic Games CEO Tim Sweeney renews blast at ‘gatekeeper’ platform owners
-
Business3 weeks ago
Chancellor Rachel Reeves says she needs to raise £20bn. How might she do it?
-
MMA3 weeks ago
Alex Pereira faces ‘trap game’ vs. Khalil Rountree
-
Football3 weeks ago
Simo Valakari: New St Johnstone boss says Scotland special in his heart
-
Technology2 weeks ago
Musk faces SEC questions over X takeover
-
Technology2 weeks ago
Apple iPhone 16 Plus vs Samsung Galaxy S24+
-
News2 weeks ago
Reach CEO Jim Mullen: If government advertises with us, we’ll employ more reporters
-
News2 weeks ago
Family plans to honor hurricane victim using logs from fallen tree that killed him
-
Politics2 weeks ago
Hochul’s careful conversations
-
Business3 weeks ago
LVMH strikes sponsorship deal with Formula 1
-
Money3 weeks ago
The four errors that can stop you getting £300 winter fuel payment as 880,000 miss out – how to avoid them
-
News2 weeks ago
Disguised Sunderland GP poisoned man in will row, court hears
-
Business2 weeks ago
CEOs turn to podcasts to control their message
-
News2 weeks ago
‘Blacks for Trump’ and Pennsylvania progressives play for undecided voters
-
News2 weeks ago
Trump’s Response To Melania’s Abortion Stance Has Critics Saying Same Damning Thing
-
Business2 weeks ago
Maurice Terzini’s insider guide to Sydney
You must be logged in to post a comment Login