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Hotelier Julia Ashwood talks taste

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Her suede YSL jacket, one of her style staples

My personal style signifier is a sort of casual work uniform: a pair of high-waisted Jesse Kamm trousers with a Jungmaven hemp T-shirt. Keep it easy – denim downstairs, white up top. I also love Chloé, velvet details, a little gold Lurex at night – and anything vintage because the pieces feel unique. I have a belted brown suede YSL jacket that I love. My wardrobe is completely sustainable – I hang onto pieces forever! 

The last thing I bought and loved was a pair of chocolate-brown suede and leather Chloé boots that I found on a trip to Los Angeles. They have a little gold button on the back and a 1970s Kenny Lane backstage look. I’m also constantly buying pieces by Australian brands All That Remains and Lucy Folk – both embrace colour and are inspired by travel, which I love.

Her suede YSL jacket, one of her style staples
Her suede YSL jacket, one of her style staples © Jessie Prince
Ashwood leafs through one of her coffee table books
Ashwood leafs through one of her coffee table books © Jessie Prince

The best books I’ve read in the past year are children’s books. One I’d recommend to all parents is Need a House? Call Ms Mouse! by George Mendoza and Doris Susan Smith. Henrietta Mouse designs these elaborate homes for her animal friends – rabbits, frogs, a mansion for a lizard that looks like it’s in Big Sur. You know it’s an American book because it features hedgehogs, squirrels and otters – things we don’t have in Australia. The illustrations are very intricate and it’s a wonderful intro to architecture and design.

The place that means a lot to me is the ocean near my home in Byron Bay, New South Wales. I’m a water baby and if I can get my kids – ages five and eight – to watch the sunrise with me in the morning, no one is in a bad mood. I particularly love Belongil Beach and Broken Head, but all of the beaches are fantastic. The minerals, the salt, the sand… this is my home.

Her front door, with a welcome sign made by her friend Paul McNeil
Her front door, with a welcome sign made by her friend Paul McNeil © Jessie Prince

And the best souvenir I’ve brought home is a heap of Japanese earthenware pottery, which we eat and drink out of every day. I also love buying fake jewellery – big crystal earrings, chunky necklaces, statement bangles – and have brought lots home from the flea market in downtown Los Angeles.

My biggest adventure was a girls’ trip from Burning Man in Nevada to New York City. We rented an RV and had a crazy week of theatrical costumes and endless dancing in Black Rock City, then on to the Grand Canyon and New York, meeting so many beautiful people along the way. There were flat tyres – all eight of them at once in a car park – but the trip was outrageously good fun.

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The hotels I am dreaming of checking into are all over the world: the Dexamenes Seaside Hotel in Kourouta, Greece, which overlooks the island of Zakynthos and the Ionian Sea; Soneva Fushi in the Maldives; Wild Coast Tented Lodge on the coast of Sri Lanka, which is next to a National Park for safaris and a beach; and the 15-room Hotel Corazón in the mountains of Mallorca. 

Wild Coast Tented Lodge in Sri Lanka, a destination on her bucket list
Wild Coast Tented Lodge in Sri Lanka, a destination on her bucket list © Jessie Prince
Ashwood outside the Wendy house in the garden, built for her children by their uncle Strath
Ashwood outside the Wendy house in the garden, built for her children by their uncle Strath © Jessie Prince

My style icons are Old Hollywood film stars. I like that uniform look of a James Dean – denim and a white tee – or a Paul Newman. Just simple. I also love the effortless look of model and Chanel muse Caroline de Maigret. She wears great pant suits with button-down shirts, and her hair is flowy and loose, but with an edge.

On my Instagram you’ll find a lot of images of Sun Ranch, the boutique hotel I run with my partner Jamie Blakey. I spend a lot of time posting pictures of the spaces, the food, the beaches, the horses and the pool. The whole thing is inspired by 1970s California ranch houses, so I try to show that vibrant colour via the app. 

And a country on my bucket list is Sri Lanka. My husband and I are heading there next month for the rainforests and jungle areas, surfing and food. 

The last music I downloaded was Dua Lipa’s album Radical Optimism. My daughter Delilah and I love her so much; we watched her on the Pyramid Stage at Glastonbury. My playlist is influenced by my kids: there’s lots of Taylor Swift and Harry Styles in our house.

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In my fridge you’ll always find duck eggs because we have pet ducks. You’ll also find lettuce; herbs such as dill, parsley and basil from the farmer’s market in Bangalow; and a selection of cheeses. We always have a big block of parmesan for grating over pasta. Local apples and blueberries, coconut yoghurt and wine – both red and white – from Jilly Wine Co are on hand, too.

A vintage artwork from Los Angeles in Ashwood’s kitchen
A vintage artwork from Los Angeles in Ashwood’s kitchen © Jessie Prince
Fresh vegetables and Vegemite in her fridge
Fresh vegetables and Vegemite in her fridge © Jessie Prince
Ashwood dances on the sofa; on the wall are works (from left) by Max Berry, Atiba Jefferson and Sean Wadey
Ashwood dances on the sofa; on the wall are works (from left) by Max Berry, Atiba Jefferson and Sean Wadey © Jessie Prince

I’ve recently rediscovered Japan through my kids’ eyes. I have visited many times before, but being at the Shibuya Crossing with my kids was magical. Tokyo provides so many aha moments for young people. Kyoto, too – those early jet-lagged mornings when the streets are empty and you can hear the echo. Even watching cats in windows was amazing. I try to take my kids to places that are culturally interesting. We stayed at the Hoshinoya hotels in Tokyo, Mount Fuji and Taketomi Island, and in a Shimaya Stays serviced residence near Kyoto’s Gion district.

I’m not sure I believe in life after death. I recently lost my father, who was a staunch Scot and would emphatically have said “no!” to this. It would be nice to have a choice – as in Buddhism, where you can come back as an animal. Maybe it’s there if you want it? That concept is a big part of Indigenous culture here, and I like that way of thinking.

The things I couldn’t do without are sunglasses, because it’s always bright at the Sun Ranch Pool Club. I never leave home without my favourite tortoiseshell Marni glasses that my partner gave me for my birthday. They are wide at the sides and I just love them.

Her Marni sunglasses, an essential at Sun Ranch
Her Marni sunglasses, an essential at Sun Ranch © Jessie Prince

The beauty staple I’m never without is a hairbrush. I always have one – usually a Koh-I-Noor one that’s hand made in Italy – with me as my hair tends to get knotty from swimming in the ocean. I also swear by an earthy lip colour by the Aussie brand Booie – it’s very out-the‑door easy – and a matte red Mac lipstick for a night out and that margarita. Booie Where The Hell Is My…? Nourished Lip Stick, £16. Koh-I-Noor hair brush, £49.99, zarahome.com. Mac MACximal Silky Matte Lipstick, £25

The best way to spend $20 is on a Mush Luv and a pastry at High Life café in Byron Bay. It’s a mushroom tincture – like a golden milk – that’s a coffee alternative. On a Friday, however, I’d spend the $20 on a Margarita at You Beauty in Bangalow.

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Booie make-up, one of Ashwood’s essential beauty staples
Booie make-up, one of Ashwood’s essential beauty staples © Jessie Prince
A pair of pink Levi’s jeans, the latest item she added to her wardrobe
A pair of pink Levi’s jeans, the latest item she added to her wardrobe © Jessie Prince

The last item of clothing I added to my wardrobe is a pair of dusty-pink button-fly Levi’s from Mr Vintage in Byron Bay. They’re fantastic – comfortable, cool. I’ve also recently acquired a long trouser suit – well, a top and trousers – in raw silk by All That Remains.

If I were travelling to a desert island I would bring great friends with wine in their pockets. You’re probably going to die out there, so why not have fun?

In my suitcase you’ll always find swimsuits by Lucy Folk and Matteau, a great pair of leather sandals and luxurious wool pieces by Nagnata. They use Australian wool that is comfortable and great-looking for workouts, restaurant settings and everything in between. I also carry a calming Souq scented oil by AYU, for behind the ears. AYU Souq scented oil, £34 for 15ml

The one artist whose work I would collect if I could is Jedda-Daisy Culley, a Sydney-based painter who creates bold, out-of-this-world work – think female aliens with oversized breasts and psychedelic cowboys. 

Ashwood outside her home in New South Wales
Ashwood outside her home in New South Wales © Jessie Prince
A quartet of pet ducklings on a vintage rug; Ashwood wears vintage Chloé boots and a Lucy Folk trouser suit
A quartet of pet ducklings on a vintage rug; Ashwood wears vintage Chloé boots and a Lucy Folk trouser suit © Jessie Prince

The works of art that changed everything for me weren’t so much a particular painting, but my mum’s colour wheel. She dabbled in interior design and always inspired me. It’s because of her that we have “personality chairs” – all different kinds, sizes, textures – throughout the hotel. Our African chairs made from timber and woven straw are a personal favourite – they remind me of a vibrant, sassy bird of paradise. Such fun! 

My favourite app is the Bureau of Meteorology website. I also like an app called AmiGo that offers snippets of information on various cities: where to eat, the best coffee or hidden park. The best travel tip was the Sublime Comporta Beach Club in Portugal – fantastic food.

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When I need to feel inspired, I walk on the beach and take a swim in the ocean, which gives me space to think. But travel inspires me more than anything: seeing what artists are working on, what people are wearing, different foods. I look for turn-off-the-phone moments.

Some of her vintage jewellery and a clutch of freshly laid eggs
Some of her vintage jewellery and a clutch of freshly laid eggs © Jessie Prince
Some of Ashwood’s collection of coffee-table books
Some of Ashwood’s collection of coffee-table books © Jessie Prince

An object I would never part with is my wedding ring – actually, my wedding ring and engagement ring, which were both designed by my husband. The wedding ring is gold with a midnight-blue sapphire and smaller diamonds, and when the two rings are worn together they make an evil eye. I’m often asked about them. 

The best gift I’ve received was a massage given to me by a girlfriend last Wednesday. She just said “your appointment is at 4pm today” – no scheduling – and it was fantastic. That’s my love language. I also received a beautiful, framed artwork from my son Alby. 

I have a collection of coffee-table books. I have a semi-obsession with them, which is torturous when I’m travelling as they’re so heavy and impractical. I am especially focused on art, architecture and interior design. A recent favourite is a monograph of artist Vincent Namatjira’s work.

Ashwood in her kitchen, her favourite room in the house
Ashwood in her kitchen, her favourite room in the house © Jessie Prince

My favourite room in my house is the kitchen, the heart of our home. Our kids are getting involved in the cooking now, so we all chop, cut and grate together around the big central island. I also love our veranda, which looks out towards the ocean. If you look closely you’ll see the whales breaching in the distance.

My favourite building is the Sydney Opera House. It’s such a stunning piece of architecture and to listen to musical performances there is mind-blowing. Another favourite is the Paradero Todos Santos, a boutique hotel in Mexico. Its concrete structures are beautiful – kind of reminiscent of Georgia O’Keeffe – and have a warmth to them. 

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My wellbeing gurus are Aysha, a massage therapist who comes to my home once a month, and the people who work at the Comma day spa in Byron Bay. I like to go for a 90-minute sauna/ice bath/massage session. In terms of exercise, I just want to be outside in nature, walking or jogging solo. 

In another life, I would have been a painter by the seaside in Greece. I would have lived in a little oikos, and I would have pottered all day long, eating fish fresh from the sea, drinking wine, making music and staring at the moon. 

The best bit of advice I ever received was from my late father. His last words to me were “be good and look after Mum”. What he meant was “be kind, it’s your superpower”.  

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New chancellor, new rules

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Rachel Reeves has rewritten her fiscal rules on the eve of her seismic first Budget next week. She says her new borrowing rule will help get Britain building, but how will it go down with voters – and the markets? Meanwhile, Sir Keir Starmer is in Samoa, where a debate about reparations for slavery has threatened to overshadow the Commonwealth summit. Plus, the PM has had to grapple with Donald Trump’s allegations of illegal election interference by Labour. Host Lucy Fisher is joined by Political Fix regular Stephen Bush and FT political correspondent Anna Gross, along with the FT’s deputy Washington bureau chief Lauren Fedor.

Will Labour’s budget boost growth? Ask the FT’s economics editor Sam Fleming and colleagues at a Political Fix live subscriber webinar, hosted by Lucy Fisher, on Nov 1 at 1300 GMT. Register for your free pass at ft.com/ukgrowth

Follow Lucy on X: @LOS_Fisher, Stephen @stephenkb, Anna @AnnaSophieGross and Lauren @LaurenFedor

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Rachel Reeves confirms change to UK fiscal rules to help fund £20bn of annual investment

Rachel Reeves: My fiscal rules will provide the stability on which growth depends

Keir Starmer flies to Samoa to answer tricky questions from Commonwealth allies

Donald Trump accuses UK Labour party of interference in White House race

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Presented by Lucy Fisher. Produced by Clare Williamson. The executive producer is Manuela Saragosa. Audio mix and original music by Breen Turner. The FT’s head of audio is Cheryl Brumley.

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Martin Lewis issues passionate plea to Rachel Reeves to change winter fuel payment rules ahead of Budget next week

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Martin Lewis reveals quick move that can net 2million couples £1,000 cheque in post before Christmas

MARTIN Lewis has issued a passionate plea to Rachel Reeves to change winter fuel payment rules ahead of the Budget next week.

The consumer expert appeared as a guest on the The Rest is Money podcast this week and revealed what he thinks the government needs to do in the statement on Wednesday.

Martin Lewis has issued a passionate plea to Rachel Reeves to change winter fuel payment rules

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Martin Lewis has issued a passionate plea to Rachel Reeves to change winter fuel payment rulesCredit: ITV

Martin revealed that he has had two meetings with Chancellor Rachel Reeves since Labour came into power.

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His main concern is the changes to the winter fuel payment rules which were announced in the summer.

In July the Government announced the payment would become means-tested meaning only those on certain benefits are eligible.

This includes those on income support, tax credits, Universal Credit, and largely Pension Credit.

This means that around 10million pensioners will no longer get the cash, which can be worth up to £300.

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Martin said he believes the Chancellor is “listening” to his thoughts.

He said: “I wrote an open letter to the Chancellor that mirrors my thoughts – the difficult bit is I can’t tell you what she’s saying back to me although she is listening.

“Clearly on winter fuel payment, I think they need to do some adaption and we need to see some mitigation coming into the Budget.

“For me, I have no problem getting rid of the universality of the winter fuel payment – millionaires don’t need it.”

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Outling the issues he has with the move, he said firstly that the level of means-testing at an income of £11,400 a year is too low – and that it should be higher than that, closer to the “early £20,000s”.

The Sun launches our Winter Fuel SOS campaign

The second point, and what he says is probably the more “urgent and difficult one”, is that he thinks the method of means testing is wrong.

Martin explained: “Because pension credit – something I’ve been trying to shout about for the last decade – is a benefit that we currently think around 800,000 of the poorest in society do not claim.

“They are entrenched into not claiming often due to mental capacity or dementia type issues or the 240-page form.

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“So we are to use a critically underclaimed benefit to be the means-test – is something I have a real problem with.”

He added that he has spoken with the government both “publicly and privately” on this and that even if it managed to cut the number to 700,000, that’s still hundreds of thousands of people who are the most vulnerable earning under £11,400 who will lose winter fuel payment.

What is the Winter Fuel Payment?

Consumer reporter Sam Walker explains all you need to know about the payment.

The Winter Fuel Payment is an annual tax-free benefit designed to help cover the cost of heating through the colder months.

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Most who are eligible receive the payment automatically.

Those who qualify are usually told via a letter sent in October or November each year.

If you do meet the criteria but don’t automatically get the Winter Fuel Payment, you will have to apply on the government’s website.

You’ll qualify for a Winter Fuel Payment this winter if:

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  • you were born on or before September 23, 1958
  • you lived in the UK for at least one day during the week of September 16 to 22, 2024, known as the “qualifying week”
  • you receive Pension Credit, Universal Credit, ESA, JSA, Income Support, Child Tax Credit or Working Tax Credit

If you did not live in the UK during the qualifying week, you might still get the payment if both the following apply:

  • you live in Switzerland or a EEA country
  • you have a “genuine and sufficient” link with the UK social security system, such as having lived or worked in the UK and having a family in the UK

But there are exclusions – you can’t get the payment if you live in Cyprus, France, Gibraltar, Greece, Malta, Portugal or Spain.

This is because the average winter temperature is higher than the warmest region of the UK.

You will also not qualify if you:

  • are in hospital getting free treatment for more than a year
  • need permission to enter the UK and your granted leave states that you can not claim public funds
  • were in prison for the whole “qualifying week”
  • lived in a care home for the whole time between 26 June to 24 September 2023, and got Pension Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance

Payments are usually made between November and December, with some made up until the end of January the following year.

Pensioners still left out in the cold

Martin outlined the calculations “And if we look at the maths of what’s going on here and we actually look at the numbers of winter fuel payment, energy bills this year will be around £100 lower than last year from the October to March period, so you’re £100 up.

“But last year, you got the cost of living payment of £300, so now you’re £200 down, plus if you take away winter fuel on top of that – which is either £200 if you’re under 80 or £300 if you’re over – you’re now £400 to £500 down.”

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While the triple lock uprating of the state pension will boost payments for some people next year, Martin believes because it’s so few people it won’t make a difference.

This is because: “the number that is stated is the full new state pension which is around £460 it’s going to go up – but first of all only 1 in 4 pensioners are on the ‘new’ state pension – 3 in 4 are on the ‘old’ state pension – which as it’s smaller is seeing an uplift of around £100 less.

“And second the word ‘full’ – you only get that if you have your full National Insurance contributions and by definition, most people eligible for pension credit do not have their full National Insurance contributions so their rise will be proportionately less than the £360 odd figure.”

Martin pointed out that after adding all of this up, those 780,000 pensioners missing out on pension credit will “almost certainly be materially worse off” this year despite the triple lock increase in April.

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He expressed his disappointment with the decision: “I just feel and I’ve never phrased it this way but I’ll be honest because this is a different type of podcast – I just find it quite difficult that it is Labour doing this.

“I can’t understand why Labour is allowing 780,000 of the poorest and most vulnerable pensioners that they believe should get the winter fuel payment to not get it.”

He then explained that a potential “workable but imperfect” solution he had suggested to the government is the payments should be given to those on pension credit, as well as those pensioners in council tax bands A to C

This would cover off around 80 to 90% of those who are the poorest pensioners, he said.

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Martin explained: “It wouldn’t save the government as much, would be between £1 and £1.2billion as opposed to £1.8billion, but the great thing about council tax is you’re either in band A to C or you’re not – you’re either a pensioner or you’re not – it’s a very easy means test.

“I am hopeful, that Rachel will put some form of increased mitigation measures in – she’s never going to U-turn.”

The Sun’s Winter Fuel S.O.S Campaign

THE Sun’s Winter Fuel SOS Campaign is here to support households during these challenging times.

Due to government cutbacks, ten million pensioners are set to lose the £300 Winter Fuel Payment.

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Since opening our phone lines to thousands of pensioners in October, we remain dedicated to providing tips and advice on how to stretch your finances further.

That’s why we have partnered with the poverty charity Turn2Us to launch a free benefits checker, helping you ensure that you are claiming all the benefits to which you are entitled.

Don’t miss our latest Sun Money coverage, which includes essential information on key deadlines, applying for support, and everything you need to know about Pension Credit.

If you have a story to share or wish to get in touch with our team, please email us at money-sm@news.co.uk.

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What Martin Lewis would like to see in the Budget

As well as the changes to the winter fuel payment eligibility rules, Martin also briefly outlined each of the things he would like to see discussed in the Budget.

  • Carer’s Allowance – taper needed to avoid thousands having to pay back benefits due to earning slightly over
  • LISA penalty – removal of the fine if you buy a property above the £450,000 limit
  • Standing charges – standing charges on energy need to be reformed
  • Tax-free childcare – name needs to be changed as too difficult to understand, should be called the “working parent childcare top-up”
  • Smart meters – regulations need to change so that companies are fined based on those which are working, not installations
  • High-income child benefit charge – needs to be a household assessment rather than an individual assessment
  • Mortgage prisoners – need to bring help in for the 200,000 affected

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

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Wealth managers say alternative asset offer only limited protection from volatility

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Alternative assets cover a variety of opportunities not all of which offer reduced volatility, according to a range of wealth managers.

Rory Maguire, managing director at Fundhouse, said he was a sceptic when it came to the volatility-dampening potential of many alternative assets.

He said: “Over time, we believe that alternatives (like absolute return) bring a few challenges to investors/asset allocators. First, the managers of these absolute return funds change their views so frequently, that it is hard to know what insurance policy you are actually buying. Is it an equity hedge? Is it a bond hedge? If it changes that frequently, it is hard to say.

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“This places the investor in a predicament when doing portfolio construction, especially if they require each investment to play a precise role in the portfolio. They can invest on the hope that the asset is uncorrelated and works when they need it to. Or, they can avoid it. Historically, we have taken the latter approach.

“Second, costs can be high. And, finally, our fund research has rated many absolute return strategies negatively and this reduces the odds of finding a successful strategy (in our experience). When adding all these factors together, we generally avoid this sector when investing in our model portfolios.”

Part of the rationale for owning alternative assets is they can offer returns unlinked with those of equities or bonds, and perform best when those asset classes are doing less well. 

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Weekend Essay: Are people doing enough to protect themselves from scams?

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Weekend Essay: Confronting our biggest fear – public speaking

Scams are on the rise. Not a day goes by without us receiving scam messages via email, telephone or social media.

It is pervasive, persistent and annoying. We have learned to ignore these scam messages. But the problem hasn’t gone away.

The fraudsters are determined to get us to part with our monies. They have devised all manner of ploys to defraud us. From romance to investment scam, no area is off limits to these swindlers.

All we can have is eternal vigilance and hope we don’t run out of luck. But is it always possible?

Last week, my wife confided to me that she was the victim of fraud. Scammers had accessed her personal details and opened several credit-card accounts.

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Four of the 10 accounts were active by the time she received an Experian fraud alert.

Luckily, she was able to cancel the accounts before any money was taken. She was angry and embarrassed that this had happened to her.

“I never imagined I’d be a victim of a scam,” she said.

I reassured her that she was not alone.

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Lois Vallely, a colleague of mine, was also recently targeted by a scammer who hacked into her work email account.

Most times, we assume scams happen to the naïve and the vulnerable in our society. But that’s not always true. Smart people fall for these scams too.

In fact, one in five people across the UK has fallen victim to a scam. An estimated nine million people were affected by financial scams in the past year, according to Citizens Advice.

Scammers are stealing more than £3m a day from victims. Nearly £1.2bn was stolen from customers in 2023, latest data from UK Finance shows.

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Research from WEALTH at work found that the average amount people lost to financial scams was over £1,000. It also found that more than a third (34%) of those who had lost money to a scam in the last year had done so to two or more types of scams.

Nearly £1.2bn was stolen from customers in 2023, latest data from UK Finance shows

The study revealed the worrying impact losing money to a financial scam had on people. Two out of five (40%) find it difficult to trust that any financial information is legitimate, more than a quarter (27%) say it has had a negative impact on their mental health, and almost a quarter (24%) do not feel safe investing their money.

Losing money to financial scams has also meant that more than a fifth (22%) have had to change their plans for the future.

WEALTH at work has identified the common financial scams that people lost money to in the last year.

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They include purchase scams (27%), investment scams (19%), friends or family scams (18%), bank-account scams (18%), tech-support scams (15%), befriending/romance scams (14%), pension scams (13%), tax-refund scams (10%) and lottery scams (9%)

Jonathan Watts-Lay, director of WEALTH at work, said: “Financial scamming is rife and it’s shocking that many people have lost money not just once, but multiple times to scams.

“People need to be on their guard as fraudsters use many convincing techniques to persuade their victims they are genuine. Many of these scams look completely legitimate and are not easy to spot. People often get seduced by the promise of investment returns that are too good to be true.

“Those that run scams are clever and may have been able to get hold of personal details. They often have very professional-looking websites and literature that makes it hard to distinguish from the real thing. They will also use technology and try to contact individuals through various means, such as social media, texts, telephone calls and emails.”

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People often get seduced by the promise of investment returns that are too good to be true

Consumer champion Martin Lewis dubbed social media as the ‘wild west’ for online scams.

He recently warned that scammers are using a fake interview of chancellor Rachel Reeves to trick consumers into sharing their bank details before the budget.

His warning comes as another survey from Barclays shows the growing reliance on social media as a source of financial guidance. This is driven largely by its accessibility and the cost barriers associated with professional financial advice.

The study found that 23% of respondents turn to platforms such as social media, community messaging apps and online forums for investment tips, and 19% are attracted by the ease and speed of obtaining financial guidance through these platforms.

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Over half (51%) of Brits who consult social media for investment advice fail to regularly verify the credibility of finfluencers and their content.

However, the Financial Conduct Authority has taken a zero-tolerance approach to unauthorised financial promotions online.

On Tuesday, the regulator interviewed 20 finfluencers under caution for touting financial services products illegally. It also issued 38 alerts against social-media accounts operated by finfluencers that may contain unlawful promotions.

A survey from Barclays shows the growing reliance on social media as a source of financial guidance

In May, FCA brought charges against nine individuals in relation to an unauthorised foreign exchange trading scheme promoted on social media. The individuals, many of whom were former reality TV stars, had appeared in shows including Love Island and The Only Way is Essex.

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This week is Scams Awareness Week (21-27 October), a campaign set up by Citizens Advice to create a network of confident, alert consumers who know what to do when they spot a scam.

The charity says it wants individuals, families and organisations looking to protect themselves from scams to be #ScamAware all year round.

“Anyone can fall victim to a scam, and we know scammers aren’t only targeting those looking to invest money, but also those simply going about their day-to-day lives,” Dame Clare Moriarty, chief executive of Citizens Advice, told Metro.

“It’s particularly worrying to see the impact on people’s finances afterwards, especially if they have to borrow to get by. It’s important for us all to be on our guard – if you’re not sure about something, take your time and get advice.”

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ICC prosecutor Khan denies allegation of misconduct

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ICC prosecutor Khan denies allegation of misconduct

Claim made against lawyer who is under global scrutiny for seeking arrest warrants against Israeli leaders

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DWP loophole that means thousands on Attendance Allowance or PIP could get £300 Winter Fuel Payment

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DWP loophole that means thousands on Attendance Allowance or PIP could get £300 Winter Fuel Payment

THOUSANDS on Attendance Allowance and PIP could qualify for the Winter Fuel Payment through a DWP loophole.

The up to £300 payment was previously available to everyone aged 66, the current state pension age, and above.

Thousands on Attendance Allowance and PIP could qualify for Pension Credit

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Thousands on Attendance Allowance and PIP could qualify for Pension CreditCredit: PA

But the Government has now made the payment means-tested which means you only qualify if you are on certain benefits.

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This includes Income Support, Tax Credits, Universal Credit and Pension Credit.

You usually only qualify for Pension Credit if your weekly income is less than £218.15 if you are single and £332.95 if you are in a couple.

However, you can still claim Pension Credit, and therefore the Winter Fuel Payment, even if you are over the weekly income threshold.

If you receive an Attendance Allowance (AA) or Personal Independence Payment (PIP), the weekly income thresholds rise.

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If you are someone on AA or the middle or highest rate care component of PIP, the weekly threshold goes up by £81.50 to £299.65 if you are single or £414.45 if you are in a couple.

The DWP has confirmed to The Sun if you are claiming either of the two benefits and your state pension payment by itself is over the weekly income limits, you could also qualify for Pension Credit.

The DWP said whether you would qualify for Pension Credit in this circumstance depends on a range of other factors.

This includes whether you have a carer who receives a carer’s benefit or if someone else lives with you and their specific circumstances.

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If you are on either AA or PIP and over the weekly thresholds for Pension Credit, it’s worth checking if you might qualify.

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There are several free-to-use calculators which will help decipher whether you could be eligible for Pension Credit:

What is Pension Credit and who is eligible?

Pension Credit is a Government benefit designed to top up your weekly income if you are a state pensioner with low earnings.

The current state pension age is 66.

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What are PIP and AA?

Consumer reporter Sam Walker tells you everything you need to know about the two benefits.

PIP – the benefit designed to cover the extra living costs associated with having a long-term physical or mental health condition or disability.

You get help if you have difficulty carrying out everyday tasks or getting around.

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There are two parts to the benefit – the daily living part or mobility part and each one comes at two rates.

The lower weekly rate for the daily living part is £72.65 while the higher weekly rate is £108.55.

The lower weekly rate for the mobility part is £28.70 and the higher weekly rate is £75.75.

AA – Attendance Allowance is for those who have a disability which is severe enough that they need someone to look after you.

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It is paid at two weekly rates – a lower rate of £72.65 a week and a higher rate of £108.55 a week.

You get the lower rate if you need frequent help or constant supervision during the day, or supervision at night.

The higher rate is paid to those who need help or supervision throughout both day and night, or a medical professional has said you’re nearing the end of life.

There are two parts to the benefit – Guarantee Credit and Savings Credit.

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Guarantee Credit tops up your weekly income to £218.15 if you are single or your joint weekly income to £332.95 if you have a partner.

Savings Credit is extra money you get if you have some savings or your income is above the basic full state pension amount – £169.50.

Savings Credit is only available to people who reached state pension age before April 6, 2016.

Like with Attendance Allowance and PIP, you may also qualify for extra cash, even if your weekly income is more than the £218.15 or £332.95 weekly Pension Credit thresholds.

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For example, you can get extra help covering your ground rent if you live in a leasehold property or if you have caring responsibilities for a child.

The rules behind who qualifies for Pension Credit can be complicated, so the best thing to do is just check.

You can do this by calling the Pension Service helpline on 0800 99 1234 from 8am to 5pm Monday to Friday or by using free online calculators.

Those in Northern Ireland have to call the Pension Centre on 0808 100 6165 from 9am to 4pm Monday to Friday.

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It might be worth a visit to your local Citizens Advice branch too – its staff should be able to offer you help for free.

Pension Credit is known as a “gateway” benefit which means it opens up a host of perks, like the winter fuel payment and a free TV licence if you are 75 or older.

It also unlocks discounts on your council tax and the Warm Home Discount, if you are on the Guarantee Credit part of the benefit.

The Sun’s Winter Fuel S.O.S Campaign

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THE Sun’s Winter Fuel SOS Campaign is here to support households during these challenging times.

Due to government cutbacks, ten million pensioners are set to lose the £300 Winter Fuel Payment.

Since opening our phone lines to thousands of pensioners in October, we remain dedicated to providing tips and advice on how to stretch your finances further.

That’s why we have partnered with the poverty charity Turn2Us to launch a free benefits checker, helping you ensure that you are claiming all the benefits to which you are entitled.

Don’t miss our latest Sun Money coverage, which includes essential information on key deadlines, applying for support, and everything you need to know about Pension Credit.

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If you have a story to share or wish to get in touch with our team, please email us at money-sm@news.co.uk.

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

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