GET ready for Halloween by making these fiendishly good treats during half term.

It’s the perfect way to keep your little monsters entertained . . . 

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EDIBLE SLIME: Marshmallow slime popcorn is a must-try.

Melt marshmallows, 75p, with a bit of butter and green food colouring, 69p, both from Aldi.

Drizzle this over freshly popped popcorn — see our Cheap Treat option from Asda.

The kids will love the sticky slime, and this is a snack that’s equal parts spooky and sweet.

CHOCOLATE BROOMSTICKS: Create cute witches’ broomsticks with a healthy twist.

You need strawberries, £1.39, pretzel sticks, £1.80 a pack, and Molly’s milk chocolate, 49p, all from Tesco.

Cut the tops off the strawberries and place them cut-side down.

Stick a pretzel stick on top as the broom handle.

Melt the chocolate and spoon it over the strawberry from the base to the pretzel to create “brush hairs”.

Leave to set in the fridge.

S’MORE SAVER: Eyeball s’mores bring a creepy twist to a camping favourite.

Sandwich marshmallows, £1.49 at Lidl, between two biscuits you already have.

Use icing pens, £2 per pack at Asda, to draw spooky veins and pupils onto the marshmallow.

When toasted over a flame or hob, the marshmallow “eye” will ooze out for an extra-gory look.

BRAIN BLAST: Give Belmont teacakes, 85p from Aldi, a terrifying makeover by turning them into brains.

Peel the chocolate off the teacakes and pipe red or pink icing over the top in swirly, brain-like patterns.

MILKY GHOSTS: Buy a giant Nesquik at Poundland for £2.50 and mix your milkshakes.

Get some glasses or clear tumblers and smear a few spoonfuls of Fluff marshmallow spread, £2.20 from Sainsbury’s, in random places on the inside of the glass — these are “ghosts”.

Pour in your milkshake and, on the outside of the glass, use a black felt tip to draw temporary ghoulish faces.

The ghosts will look like they are floating in the drink.

• All prices on page correct at time of going to press. Deals and offers subject to availability

Deal of the day

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PICK up a new set of wheels at Halfords, with up to 20 per cent off selected adult bikes including the Indi TC1 men’s hybrid cycle, previously £145, now £116.

SAVE: £29

Cheap treat

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GRAB Eazy Pop Magicorn microwave popcorn for cosy nights in.

Usually 70p per 85g pack, both sweet and salted varieties are now 35p at Asda.

SAVE: 35p

What’s new?

COSY up in a hoodie blanket from onlinehomeshop.com, available in a variety of colours.

This comfortable pink one is down from £17 to just £5.99.

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Top swap

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STEP into winter in a pair of Frye Campus boots, £457.57, thefryecompany.com, which have gone viral this year.

Or pick up a pair of Gracelands in imitation suede, for £54.99 at deichmann.com.

SAVE: £402.58

Little helper

GET ready for Halloween at Poundland – the Makeup Gallery collection starts at £1 for nail polish and £2 for devilishly red lipstick. In-store only.

Shop & save

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TUCK in to a tasty treat with two 9oz rump steaks for £8 at Morrisons.

They are usually £4.50 each.

SAVE: £1 on two packs

PLAY NOW TO WIN £200

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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!

LOTTO bosses have revealed that a EuroMillions winner lost out on a whopping £1million jackpot after they made a huge blunder.

Allwyn, the operator of The National Lottery, confirmed that the £1,000,000 prize from the EuroMillions UK Millionaire Maker draw on April 16, 2024, has gone unclaimed for over 180 days since the draw.

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The ticket holder bought their EuroMillions ticket in Rhondda Cynon Taf.

However, they missed the deadline to claim the prize, which was at midnight on October 13.

Andy Carter, Senior Winners’ Advisor at The National Lottery, said: “Unfortunately, I can confirm that the ticket-holder did not come forward within the deadline to claim their prize and has now sadly missed out on this substantial amount of money.

“However, the money will now add to the £30M raised each week for National Lottery-funded projects.”

Experts had previously warned lottery fans not to make a stupid mistake to risk losing out on mega jackpots.

Earlier this year, a lucky Brit hit bagged an eye-watering £12.6million.

Yet the winner still hasn’t claimed their huge cash prize.

At the time, Andy said: “Imagine being a millionaire and not even knowing it.

“And then imagine being a Lotto jackpot-winning multi-millionaire and being unaware!”

It comes after a lottery expert revealed the biggest mistakes players make.

Laura Pearson, vice president of global corporate affairs at Lottoland, shared tips on what to avoid and how to improve your chances of winning a jackpot prize.

Aiming too high

According to Ms Pearson, one of the biggest errors lottery players make is only gambling on the biggest jackpots.

As the size of the jackpot increases, the odds go down and the number of players tends to increase, making winning less likely.

“People should understand, first of all, that the bigger the jackpot, the bigger the odds are against them winning it,” she explained.

“This is because the higher the jackpot amount is, the greater the hype, so more people buy tickets.”

Instead, she suggests players consider opting for a lower cash prize that’s generating less attention.

And if you’re trying to beat the odds, don’t just focus on the jackpot odds, which tend to be what you’ll see first.

Instead, look in more detail at the various prize tiers each game offers and the odds of winning each of those.

“Learning the odds of different lottery games can make all the difference and might make you reconsider your favourite lottery,” Ms Pearson added.

Trying to pick ‘lucky numbers’ or ‘patterns’

Many of the largest lottery wins end up being shared out between a number of people, and there’s one big reason for this.

We all have a subconscious tendency to pick the same numbers, even if we’re trying hard to be different.

By thinking you’re picking “lucky” or “special” numbers, you’re increasing your chances of ending up with the same numbers as your peers.

This means you could miss out on taking home the jackpot all to yourself if your numbers do win.

“We see a lot of people who pick the number 7, and we also see a lot of people who try the reverse psychology approach and pick 13,” Ms Pearson said.

“Most common of all, though, are all the people picking numbers based on dates between 1 and 31 – a large proportion of whom all end up with the numbers 19 and 20.”

To set yourself apart and increase your chance of taking home the jackpot in full, pick the numbers at total random and don’t let anything else influence your choices.

Ms Pearson recommended using a “quick pick” to generate random numbers, as this doesn’t give you the opportunity to overthink.

Lottoland found many users also try to base their numbers on patterns, such as by drawing shapes on their tickets.

“There is no scientific basis whatsoever for using patterns to determine which numbers to choose, but using this type of system limits the amount of numbers you pick,” Ms Pearson said.

Picking based on previous wins

Another major mistake people make when picking their numbers is looking at previous jackpot wins, according to Lottoland.

You may be tempted to see what numbers have won before, but each lottery draw is entirely unique and past wins are no indicator of which numbers could come up in future.

In fact, it’s even less likely that the same set of numbers will reappear again in a short space of time.

“Any correlation between one draw and the next is purely coincidental, so you should be very wary, and indeed highly sceptical, of any of the so-called ‘lottery systems’ out there,” Ms Pearson warned.

She also advised to be wary of so-called lottery “gurus” or psychics who claim they can help predict the next numbers.

“After all, if you knew the results of a lottery jackpot in advance, would you tell anyone?” she pointed out.

How else can I improve my chances of winning?

No one can predict the next lottery numbers – if they could, they would already be very rich.

But there are some ways you can help increase your chances of winning if you’re prepared to put in a bit of extra work.

For example, you can join a lottery syndicate where you pool your numbers with other players to increase your overall chances of winning.

You may not take home as much of the big jackpot, but you’re more likely to get a cash prize at some point.

Most lottery games also have extra bonus games, such as the Irish Lotto’s Plus 1 and 2 games.

These don’t tend to cost as much as playing a whole new game, so you can boost your chances of winning for less.

Studying the odds is also a good idea for committed players.

You might figure out that you’re unlikely to win certain games, while others with lower cash prizes have a higher chance per game.

Revolut bank account – is it safe? 

Digital banking provides consumers with convenience and accessibility to banking unlike traditional banks. With digital banking financial services become simpler and consumers can manage their money without the need for a physical branch. The most popular online banking platforms include Revolut, Monzo, Chase, N26 and Wise. These services offer features such as instant money transfers, budgeting tools, and cryptocurrency trading, catering to a tech-savvy audience seeking convenience and efficiency. 

According to a survey over 70% of consumers prefer digital banking over traditional methods. More people are shifting to online platforms but the importance of security in digital transactions remains vital with high cases of fraud. 

These online services are pulled into question again in October 2024 with Revolut in the spotlight. A Revolut customer recently lost £165,000 to fraud in just one hour, and the company’s refusal to issue a refund despite the system failing has ignited a widespread concern over customer protection with digital banking. 

Now people are asking, is digital banking safe for my money? 

A Recent Fraud case 

A particularly alarming incident occurred recently when a Revolut customer lost £165,000 to fraud within an hour.

According to a BBC report, the individual was targeted in a sophisticated scam that involved a quick and decisive breach of their account. Despite the urgency of the situation and the significant loss, Revolut denied the customer’s request for a refund, citing their policies and the circumstances surrounding the fraud. 

The customer has stated the lack of support from Revolut and the time it took to get through to the right team to freeze his Revolut bank account, meaning more money was leaving his account until they acted. 

This case has prompted widespread outrage, with many questioning Revolut’s commitment to customer protection. Critics argue that a digital banking account should have robust systems in place to detect and prevent fraud, as well as fair policies for refunding victims. The incident serves as a stark reminder of the vulnerabilities that exist in digital banking and the potential consequences for consumers as banking fraud become more common. 

The risk of fraud in digital banking 

While the benefits of digital banking are clear, the rise in online transactions has also led to an increase in fraudulent activities. Common types of fraud in digital banking include phishing attacks, where scammers impersonate legitimate institutions to steal personal information, and account takeovers, where unauthorised individuals gain access to a user’s account, in some cases this can lead to identity theft.

Banks should have systems in place to protect their customers from fraud as well as providing support after any fraud incidents. 

What measures do digital banking platforms take against fraud? 

To combat the rising threat of fraud, digital banks have implemented various security measures. Two-factor authentication (2FA) is one of the most common practices, requiring users to provide two forms of verification before accessing their accounts. Biometric verification, such as fingerprint or facial recognition, is also becoming standard, adding an extra layer of security. 

Additionally, many banks are leveraging artificial intelligence and machine learning to enhance fraud detection. These technologies can analyse transaction patterns and identify suspicious activity in real time, allowing banks to act swiftly and prevent unauthorised transactions. 

Despite these measures many banks are suffering from high cases of fraud. 

Customer protection and refund rates 

Customer protection policies differ significantly among digital banks, particularly when it comes to handling fraud claims. Revolut bank, for instance, has faced scrutiny for its refund practices, with critics claiming that its policies do not sufficiently safeguard consumers.  

According to industry reports, traditional banks are generally more robust in their refund processes, often offering a higher rate of compensation to customers. This discrepancy raises questions about whether digital banks can maintain customer trust while competing on convenience and innovation. 

Make sure you know what to do if you are a victim of fraud. It is important to act fast and protect your money.

Contacting your bank

If you suspect fraud on your account, you should try to act quickly to prevent further theft and protect your money and data. With digital banking, most apps will have a feature for you to freeze your account so the fraudster cannot take anything more out of your account. Then you should contact your bank.

By banking with Revolut you can use the app to block and freeze your card and account at any time. You can also do this by calling +442033228352.

If you are banking with Monzo and predict fraud on your account then you can talk to them on the app 24/7, call them on 0800 802 1281 or if you are outside of the UK call them using this number, +44 20 3872 0620.

If you are banking with Chase then call 08003763333 from the UK, if you are outside of the UK then call +44 2034930829. You can also contact Chase through the Chase app.

If you bank with Wise then you can log the case on the app and contact them on +44 808 175 1506.

N26 bank suggest using your app or webpage login to request blocking your card and account by calling their phone line at  +44 2035 107126 or +49 303 6428 6881.

Convenience VS. Security 

As digital banks continue to grow, they face the ongoing challenge of balancing user-friendly interfaces with the need for robust security measures. While consumers appreciate the convenience of instant transactions and easy access to their finances, they must also recognise their responsibility in protecting their accounts. This includes using strong passwords, being cautious about sharing personal information, and regularly monitoring account activity. 

Have you ever been a victim of fraud and did your bank protect you?  Leave a comment below.

Just under two thirds (64%) of those approaching retirement (aged 50-59) find targeted support strategies “appealing”.

This is according to Aegon’s report, ‘The Second 50: Navigating a Multi-Stage Life’, which also found 71% of those aged under 50 back the idea of targeted support.

Males are slightly more supportive, with 69% finding the idea “somewhat appealing” or “very appealing”, compared to 60% of females.

Targeted support is a key proposal of the Advice Guidance Boundary Review, under which the Financial Conduct Authority (FCA) and HM Treasury aims to bridge the gap between basic information or generic guidance and holistic advice.

Aegon proposed to the Government and regulators five core principles it considers essential for the success of targeted support:

• Focus on core consumer needs including Isas, pensions and protection, and excluding complex or risky areas.
• Expand availability beyond manufacturers to include adviser firms and employee benefit consultants.
• Offer to help customers make the best use of existing products, as well as suggesting possible new purchases designed to deliver good outcomes.
• Offer proactively, rather than only when requested by consumers who very often don’t know what support they need and when.
• Accompany with simple disclosures to explain the service and how it compares with advice and other forms of support.

Aegon pensions director Steven Cameron said: “Targeted support is the standout proposal from the Advice Guidance Boundary Review. Our latest Second 50 report shows that the combination of ongoing challenging economic conditions, increased life expectancy and the need for individuals to manage their own finances has made regulated advice more crucial than ever and must be encouraged to thrive.

“However, millions find themselves caught between the ‘rock’ of comprehensive financial advice that can seem expensive, and the ‘hard place’ of unengaging generic information.

“We hope that the FCA and the Government will continue to prioritise closing the advice gap, with a strong focus on those in their Second 50 approaching and moving into retirement. An industry capable of genuinely supporting millions of savers and investors in enhancing their personal finances will benefit not only those individuals but the entire UK economy.”

To obtain these results, Aegon commissioned H/Advisors Cicero in July 2024 to survey 900 adult workers and 100 retirees in the UK.

B&M shoppers are racing to their nearest store to snap up Cadbury selection boxes filled with rare chocolates, scanning for just £5.

A savvy shopper shared their bargain find in the popular Newfoodsuk Facebook group, where members often post photos of new supermarket products.

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B&M are offering chocolate fans a variety of rare sweet treats all in one box.

The Cadbury-themed Aussie Treat Box contains Fredos, Dairy Milk Chocolate, Twirl, Snickers Peanut Brownie and Scorched Peanut Butter Bar.

The Facebook post featuring the £5 treat-filled box garnered hundreds of likes and comments from fellow bargain hunters excited to grab B&M’s latest offering.

One user wrote: “I must get this box.”

“I need this,” commented another.

While a third shopper wrote: “These are sooooo good. Stocking filler for everyone sorted.”

However, some bargain hunters commented that they couldn’t locate the Aussie Treat Box at their local B&M

“Never seen these in ours,” cried one shopper.

Another added: “Didn’t see this today at our local one.”

It’s not guaranteed shoppers will find the chocolate box at their local branch, so it might be worth calling your local store ahead to avoid a wasted trip.

In any case, you should always shop around before buying something like this as you might find the same, or similar, item for less at another retailer.

You can use online price comparison sites like Price Spy and Trolley to see if a product you have found is the cheapest against others.

You can also use the Google Shopping/Product tab to do a quick scan of the internet.

Other ways to save money at B&M

One ex-B&M manager said the best time to visit your local store is first thing on a Wednesday.

This is when staff slash items to as little as 10p to clear excess stock and make way for new lines.

Deals expert Tom Church urged shoppers to keep an eye out for red sticker products as well.

These are put on special buy products that have also been reduced in price.

It’s worth signing up to Facebook pages dedicated to hunting for bargains from B&M and other discounters too.

Some of the best ones to join are B&M Bargains, Extreme Money Saving Deals and More and Extreme Couponing and Bargains UK group.

It comes after a new flavour of a popular sweet hit the shelves of UK stores.

And Nestle is bringing back a Quality Street fan-favourite for the second Christmas in a row.

Financial technology is becoming increasingly crucial to modern life. It’s what drives the movement of digital money, allowing consumers to buy goods remotely and greasing the wheels of contemporary commerce. But it also sits in a precarious position. 

Fintech companies like Flutterwave, Africa’s most valuable tech startup, must balance the needs of data security against the opportunity costs of growing larger and developing new services. And they must do it in a rapidly changing environment. 

“Our growth has been customer-defined,” Flutterwave CEO and founder Olugbenga “GB” Agboola said on “The Flip” podcast. “Our expansion is always customer-driven. Where does the customer want us to be? We listen to customers a lot in Flutterwave. We have an extreme customer obsession in Flutterwave when it comes to what our customer wants and how to deliver to the customer.”

What Does Fintech Do?

People often fall into one of two camps: the kind who never think about money, and the kind who always think about the bottom line. But even those who obsess over their bank balances don’t often consider what actually happens when they make a purchase or transfer money from one account to another.

Behind every swipe of a credit card, click of a “checkout now” button, and direct deposit, millions of micro-actions are taking place. Fintech is what communicates between banks, merchants, lending institutions, peer-to-peer transfer apps, and more. 

Financial technology began as a way to improve the efficiency of the pen-and-ink ledgers of days past. But it’s become much more than a digital balance sheet. Today, fintech powers automated investment technology, assists nonprofits with fundraising operations, revolutionizes how credit card companies do business, and has spurred new industries like microloans. 

In short, it’s how the modern economy does business and how it keeps score. 

Nearly every modern financial action, from mortgages to day care, is managed by financial technology. 

And the revolution has just begun. 

How Flutterwave Grew

As one of the fintech sector’s most exciting startups, Flutterwave has played a crucial role in the modern financial economy. The 8-year-old, Flutterwave serves enterprise clients like Microsoft and Uber, as well as individuals seeking to easily pay for goods and services, send money to friends and family, and cover out-of-country tuition costs. 

By serving both multinationals and everyday people, the company has become a service provider on both ends of the modern economy, giving it a unique perspective into how today’s business functions. 

Flutterwave is also unique in that it was comfortable using its understanding of the marketplace to dictate its growth, said Agboola. 

“We helped Uber to scale across Africa and we follow them into every market that they were going to go into. So, our expansion and growth story can be linked to our customer requirements, and it can also be linked to our philosophy about making payments simpler across Africa and simplifying payments for endless possibilities,” he said on “The Flip.”

“For us as a company, it’s really just about: How do we make sure our customers can scale on our platform? How do we make sure our customers can go to a new country in Africa and all they have to do is just flip a switch, literally, on our dashboard and they can just go live in their new market?” he added. “Our expansion is always customer-driven. Where does the customer want us to be?”

How Flutterwave Prepares for the Future of Fintech

The focus on service — not growth — is what ultimately allowed Flutterwave to prosper amid a sea of rival service providers. Through Agboola’s leadership and partnerships with influential market leaders like Uber, the company navigated its way from promising startup to a Series D fundraise that resulted in a valuation north of $3 billion. 

Companies don’t get to that level by being lucky. It takes a certain amount of skill at understanding the present and predicting how the currents of today will shape the waves of the future. 

For Flutterwave, the future of fintech will result in a more integrated, interconnected world. From the beginning, Agboola has claimed that his company’s goal was to connect the whole of Africa. Following that logic, it’s clear the future of fintech is complete market saturation, allowing every person across the globe access to the worldwide economy through their phones, laptops, or computers. 

But as they become ubiquitous, fintech platforms will change. Fintech could become more convenient for users, integrating directly into nonfinancial software. Social media users may be able to pay for products from content creators and advertisers directly through their favourite apps, and retail apps feature new services, such as buy now, pay later options at checkout.

There might also be a revolution in how traditional financial institutions, like banks and lenders, serve consumers. Digital payments and banking services could make all kinds of big-ticket purchases, like mortgages and car loans, simpler and faster for consumers.

The wealth of new data may lead to software that delivers personalized financial advice to consumers, allowing lenders or artificial intelligence to steer individuals toward smart investment strategies, better ways to save for education, and more.

All of these new ideas are exciting, but none more so than what Flutterwave continues to train its focus on: the democratization of modern finance. 

As developing countries move into the digital world, their economies will undergo a tectonic shift. By empowering a new segment of the market, Flutterwave will help create the next generation of marketplaces by helping to provide fintech services to entire niches that have been excluded from the modern economy for decades. 

Transforming small communities can have profound downstream effects that will ripple outward to the entire world economy, according to Agboola. 

“We are an enabler,” he said. “We may not go directly to help reduce poverty, but we are going to enable businesses that help to reduce poverty.”