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Portugal’s bold plan to win back youth

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Young people are a nation’s greatest asset. As societies grow older, youth are relied upon to enter work, pay taxes and rear the next generation. But in an international labour market, talent retention is hard work for governments let alone businesses.

In the EU’s single market, it is particularly cut-throat. Many southern and eastern European economies — including Portugal, Italy, Poland and Romania — often see their youngest and most educated up sticks for the bloc’s more prosperous, and higher paying, northern economies. Plenty have not returned, hollowing out economies back home. The brain drain is, according to former Italian prime minister Enrico Letta, the “dark side” of the EU’s freedom of movement.

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Last week, Portugal decided to take matters into its own hands. The minority government of Prime Minister Luís Montenegro unveiled an imaginative budget proposal to turn the country into a low-tax haven for young adults, offering a decade of tax breaks to those starting their careers. Under the plan, those aged 35 and under who earn up to €28,000 would pay no income tax for the first year. Tax relief would then be tapered over the next 10 years. Foreigners would also be able to benefit.

There is a consensus in Lisbon that drastic action is warranted. Between 2008 and 2023, an estimated 361,000 people aged between 15 and 35 left the country, accounting for two-thirds of all emigrants during that period. Portugal is not the first to consider age-based financial incentives to arrest a brain drain. In 2019, Poland cut income tax for workers under the age of 26. Italy had a tax reduction scheme for returning employees and the self-employed. In 2015, Hungary’s Prime Minister Viktor Orbán even tried to lure young Hungarians back with free flights and a monthly stipend.

There is a logic to providing reliefs to cash-strapped, ambitious youngsters starting their careers. The transition from education to work is a costly one, particularly for those from poorer households. Portugal’s proposal sends a clear signal to young people that it is thinking boldly to persuade them to stay. But whether financial incentives actually make a significant difference in retaining or attracting talent is unclear. The IMF warned Portugal that the impact of preferential tax rates on emigration is “uncertain”.

Tax is just one of many factors young people consider when deciding where to live. The range of well-paying job opportunities and professional networks in Brussels, Berlin and Paris, for example, is a big draw. Portugal, by contrast, has a long way to go to diversify its industrial base beyond tourism and spur more job creation. Its youth unemployment rate is over 5 percentage points higher than the EU average. Workers also consider housing costs, child care support and public amenities when deciding where to set up. That is something the government needs to consider with its tax proposal, which is estimated to cost about €650mn a year.

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Expats will want to see more evidence that Portugal’s long-term prospects are improving, particularly as they could be in for a hefty marginal tax rise when the proposed reliefs disappear in their thirties. That means initiatives to cut red tape, incentivise investment and raise Portugal’s burgeoning status as a hub for entrepreneurs are just as important.

Portugal’s plan, if it does pass through parliament, may jolt other European nations into bolder actions. The problem is that tax perks can only go so far when other countries are dangling their own carrots. Countries need to address a whole range of factors in their business environment if they want to win the race for talent.

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Huge £200m water park with 500-room hotel, bowling alley & four-storey slides moves one step closer to opening in UK

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Planning images of Great Wolf Lodge in Chesterton, near Bicester

A HUGE £200m water park with a 500-room hotel and bowling alley has moved one step closer to opening in the UK.

Great Wolf Resorts (GWR), which has sites in the US and Canada, is now prepping to open Great Wolf Lodge in Chesterton, near Bicester.

Planning images of Great Wolf Lodge in Chesterton, near Bicester

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Planning images of Great Wolf Lodge in Chesterton, near Bicester
Illustration of what the park may look like when it opens

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Illustration of what the park may look like when it opens
The resort is set to have a range of pools and slides

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The resort is set to have a range of pools and slidesCredit: Great Wolf Lodge
It will have nearly 500 themed rooms

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It will have nearly 500 themed roomsCredit: Great Wolf Lodge

After planning was initially approved in 2021, Europe’s first taste of the monster resort is now even closer to opening.

“Some infrastructure improvements” have recently been made, GWR said, pushing the development further.

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A spokesperson for the company said: “The potential of bringing a Great Wolf Lodge indoor water park resort to families in the UK is exciting, and we’re exploring the best possible ways to bring our beloved family entertainment brand to this market.

“We recently completed some infrastructure improvements to the Chesterton site, and we continue to explore the potential for additional resorts within the UK to reach more families and provide our strongest entry into the market.”

An exact opening date has not been given.

The resort will bring in a £200m investment for the area as well as creating 600 jobs.

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It will be a 498-room hotel with themed rooms, featuring an indoor water park with twisty slides and a variety of pools.

And a second resort is hoping to open in Basingstoke.

While official ticket prices haven’t been revealed, day passes would be available for anyone wanting to visit the indoor waterpark and restaurants, along with discounts for locals.

The 45-acre attraction will also have miniature golf courses.

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Guests will also be able to book overnight stays at the resort too, similar to Butlin’s and Center Parcs.

A one-night stay for a family of four at a Great Wolf Resort in the US starts from $199 (£157) a night.

Basingstoke councillor John Izett said: “A Great Wolf indoor water park resort in Basingstoke would bring some £275 million of investment, many new visitors to our borough, many good job opportunities and a material and long term for the local economy.

“It would put us on the map as a UK visitor destination, and, I would expect, attract the best, most exciting leisure operators for the new leisure park. 

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“Of course, these are early days and much detailed work is required including the company obtaining planning permission. I can confirm that our commitment to build a new council owned Aquadrome on the Leisure Park remains whatever the outcome.

“I very much welcome the interest in our borough from Great Wolf Resorts and hope residents will share this enthusiasm.”

The plans for the holiday resort were first announced in 2019, with the application denied in March 2020.

However, this was overturned with planning authorities giving the green light.

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Rock climbing, adventure playgrounds and mini golf are all on the planning docs to be included

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Rock climbing, adventure playgrounds and mini golf are all on the planning docs to be includedCredit: Great Wolf Lodge
Great Wolf Lodge will be similar to Butlin's and Center Parcs

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Great Wolf Lodge will be similar to Butlin’s and Center ParcsCredit: Great Wolf Lodge
Great Wolf Lodge has sites all over America and Canada currently

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Great Wolf Lodge has sites all over America and Canada currentlyCredit: Instagram
The site is expected to open in the near future

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The site is expected to open in the near future

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Five gruesomely good treats to make with your kids for Halloween

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Five gruesomely good treats to make with your kids for Halloween

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

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

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

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Get ready for Halloween by making these fiendishly good treats during half termCredit: Getty

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

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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.

READ MORE MONEY SAVING TIPS

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

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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”.

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I braved Alton Towers’ Scarefest for Halloween – the new horror maze makes Nemesis look like soft play

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.

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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.

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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

Save £29 on this Indi TC1 men’s hybrid cycle

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Save £29 on this Indi TC1 men’s hybrid cycleCredit: Supplied

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

Save 35p on Eazy Pop Magicorn microwave popcorn

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Save 35p on Eazy Pop Magicorn microwave popcornCredit: Supplied

GRAB Eazy Pop Magicorn microwave popcorn for cosy nights in.

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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

These Frye Campus boots are £457.57 at thefryecompany.com

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These Frye Campus boots are £457.57 at thefryecompany.comCredit: Supplied
Or pick up a pair of Gracelands in imitation suede, just £54.99 at deichmann.com

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Or pick up a pair of Gracelands in imitation suede, just £54.99 at deichmann.comCredit: Supplied

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.

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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

Save £1 on two 9oz rump steaks for £8 at Morrisons

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Save £1 on two 9oz rump steaks for £8 at MorrisonsCredit: Supplied

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

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They are usually £4.50 each.

SAVE: £1 on two packs

Hot right now

SAVE even more on premium products in the lookfantastic.com outlet selection. Emporio Armani He EDT 50ml is £22.80 – 60 per cent off the RRP.

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PLAY NOW TO WIN £200

Join thousands of readers taking part in The Sun Raffle

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Join thousands of readers taking part in The Sun Raffle

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.

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The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!

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EuroMillions winner loses out on whopping £1million lottery jackpot after making HUGE blunder

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EuroMillions winner loses out on whopping £1million lottery jackpot after making HUGE blunder

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.

One unlucky lotto player missed out on a whopping £1million jackpot prize

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One unlucky lotto player missed out on a whopping £1million jackpot prizeCredit: Getty

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

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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.

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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!”

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Lotto expert reveals UK’s ‘most overdue’ numbers

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.

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“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.

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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.

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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.”

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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.

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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.

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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.

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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.

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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.

What are my chances of winning the lottery?

EVERYONE wants to know how to beat the odds and win the lottery.

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But unfortunately, the lottery is a game of luck and there are no tips or tricks that can guarantee you’ll take home a top prize.

The odds show how likely you are to win any particular prize – the lower the number, the better the odds.

For example, odds of 1 in 10 are better than odds of 1 in 100 or 1 in 1,000.

There are several major lottery games in the UK including Lotto by the National Lottery, Camelot’s EuroMillions and Thunderball.

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Chances of winning the Lotto

Lotto by the National Lottery is a game where you pick six numbers from 1 to 59. You can play up to seven lines of numbers on each slip.

The game costs £2 to play per slip.

The odds of winning any prize on the Lotto are 1 in 9.3.

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But to win the jackpot on the Lotto, the odds are considerably slimmer.

To bag the top prize, you need to have six matching balls. The odds of doing this and scooping the jackpot are currently 1 in 45,057,474.

The next highest prize of £1,000,000 is for getting five main matching balls plus the bonus ball.

The odds of taking home the million-pound prize are 1 in 7,509,579 – far higher than the jackpot, but still unlikely.

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The odds of taking home £1,750 for getting five main numbers without the bonus ball are 1 in 2,180, while you have a 1 in 97 chance of bagging £140 for getting four main numbers.

Your chances of taking home £30 for getting 3 main numbers are much better at 1 in 97.

And you have a roughly 1 in 10 chance of getting a free lucky dip for 2 matching numbers.

Chances of winning the EuroMillions

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The EuroMillions costs £2.50 to play and is open on Tuesdays and Fridays.

To play, you must pick five numbers from 1-50 and two “Lucky Stars” from 1-12. Players with the most matching numbers win the top prizes.

Your chance of bagging the EuroMillions jackpot is even slimmer than winning the top Lotto prize.

This is because it generally has higher jackpots on offer, meaning it attracts more attention.

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Currently, the odds of matching five numbers and two lucky stars – the top win – stand at 1 in 139,838,160.

The average jackpot prize is £57,923,499, according to EuroMillions.

The odds of winning the second top prize for matching 5 balls and a lucky star, which is typically around £262,346, are 1 in 6,991,908.

The chances of taking home the third prize for five matching balls, with an average payout of £26,277, are 1 in 3,107,515.

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For four matching balls with two lucky stars, it’s 1 in 621,503, and for four balls with one lucky star, it’s 1 in 31,076. These come with an average price of £1,489 and £95, respectively.

Chances of winning the Thunderball

Thunderball is another game run by the National Lottery where you pick five numbers and one “Thunderball”. It costs just £1 to play and you can enter up to four times a week.

The jackpot of £500,000 for matching five balls plus the Thunderball is 1 in 8,060,598.

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Your odds of bagging the next highest prize of £5,000 for matching five balls is currently 1 in 620,046, while the chances of winning £250 for four balls plus the Thunderball is 1 in 47,416.

You have the best chance of winning £3 for matching the Thunderball, with odds of 1 in 29.

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Adrien Brody is spellbinding in death row drama The Fear of 13 — theatre review

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A man in a purple prison uniform is seated under a spotlight while other inmates look on

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“I’m good at telling stories,” says Nick Yarris repeatedly during The Fear of 13. He certainly is — and what a story he has to tell. The real Yarris was incarcerated on death row in Pennsylvania for 22 years for a crime he didn’t commit. Now it’s actor Adrien Brody telling his story, making a superb London stage debut in a compelling new play by Lindsey Ferrentino.

The role of storytelling snakes through Ferrentino’s drama, which is adapted from a 2015 documentary of the same name. It’s through Yarris talking to prison volunteer Jackie (Nana Mensah) that we learn about his life. Exactly how he ended up sentenced to death takes time to come out, as does the childhood trauma that tipped him into petty criminality. En route we see how his ability to tell stories sustains him but also proves disastrous when one yarn backfires spectacularly; we see too how the truth told by his DNA finally sets him free.

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Ferrentino’s drama is partly about listening. Yarris’s story is unique to him, but it also stands for so many others left to rot in a creaking prison service. Justin Martin’s gripping staging makes that tangible — the storytelling here is shared by an excellent ensemble, who play guards, cops and other prisoners, but who also convey the bleak rigidity of life in the penitentiary. One of the most moving moments comes when two prisoners who have formed a deep attachment are separated, and the men defy regulations to join them in a heartbreakingly lovely rendition of “Just My Imagination”.

Meanwhile, Miriam Buether’s set encloses the audience in the brutal world of the prison. A grim, tiled meeting room is backed by a wall of dark windows that illuminate to offer glimpses of the ordinary domesticity lost to the prisoners. Some audience members perch on plastic chairs perilously close to the guards’ hefty boots or swinging batons.

A man in a purple prison uniform is seated under a spotlight while other inmates look on
Miriam Buether’s set encloses the audience in the world of the prison © Manuel Harlan

It’s a show admirably free of sentimentality. When Yarris and Jackie marry, the guard (a bruisingly believable Aidan Kelly) steps in to prevent contact, and when Yarris is finally freed, that same guard’s simple gesture of handing him a warmed bath-towel expresses his sudden change in status. The play is held back somewhat, however, by its very fidelity to the true story: you sense Ferrentino might have imagined her way further into an invented character. As it is, we don’t get truly close to Yarris.

But Brody is brilliant throughout. In his Yarris we see flashes of the small child and the impulsive teenager, as well as the older man. He’s charismatic, funny and a born storyteller, but Brody also finds a more ambivalent, reckless streak that suggests the damage within. It’s a spellbinding performance and a terrific start to Tim Sheader’s tenure as the Donmar’s artistic director.

★★★★☆

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To November 30, donmarwarehouse.com

  

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Is my Revolut bank account safe?

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What is the Average Credit Score in the UK

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? 

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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. 

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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. 

 

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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

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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. 

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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.

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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.

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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. 

 

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

 

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Omni La Costa Resort & Spa Celebrates 60 Years with Luxurious Renovations

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Omni La Costa

Omni La Costa Resort & Spa provides a perfect getaway for golf lovers, spa enthusiasts, families, couples and anyone wanting to enjoy stunning beaches, perfect weather and luxurious accommodations. Located just 2 hours from Los Angeles in the secluded charming Carlsbad, the resort houses more than 600 guest rooms, suites and villas.  Guests can enjoy eight swimming pools, two 18-hole championship golf courses, a Kidtopia kids’ club, a huge fitness center, six food venues, an exceptional spa and 17 tennis courts. The resort just completed a multi-million dollar renovation taking its signature appeal to new heights. This highly-anticipated refresh not only updates the resort’s aesthetics but also reimagines the overall guest experience to cater to modern travelers while maintaining the charm that has made it a classic for decades.

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Modernized Guest Rooms and Villas

The resort’s guest rooms and villas have been completely redesigned to reflect a modern yet timeless elegance. Drawing inspiration from Southern California’s natural beauty, the updated interiors feature a soft, coastal color palette, with light blues, greens, and neutral tones evoking the nearby Pacific Ocean and surrounding landscapes.

Accommodations have been designed to provide maximum comfort and relaxation, with plush bedding, spacious bathrooms, and high-end amenities that cater to today’s tech-savvy traveler. In keeping with Omni La Costa’s reputation for luxury, the villas also offer private patios or balconies with views of the resort’s lush gardens, golf courses, and scenic rolling hills.

Omni La Costa

Award Winning Spa Expanded and Enhanced

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La Costa was the first resort in the country to offer a full spa service and now the renamed Omni La Costa Resort & Spa is world-renowned for its stunning state of the art spa and amenities. Guests can easily spend an entire day at the beautiful spa enjoying the healthy al fresco restaurant, lounging in the relaxation room by the fire; getting pampered at the nail and hair salon or with massages, facials and body treatments; destressing in the huge Jacuzzi and sauna; hanging out under the Roman waterfall; walking barefoot on the reflexology path and learning about fragrance at the free aromatherapy classes.

As part of the recent refresh, the spa has been expanded and upgraded to offer an even more indulgent experience. The newly renovated spa features additional treatment rooms, updated relaxation areas, and a fresh, contemporary design that enhances the serene ambiance. Guests can enjoy a range of treatments, from traditional massages to cutting-edge wellness therapies, all while surrounded by the calming natural beauty of the resort’s gardens. The spa’s renowned vitality pools, private cabanas, and tranquil courtyards remain a key part of the experience, but with the addition of new wellness-focused amenities such as infrared saunas and hydrotherapy stations.

Championship Golf Redesign

Home to two championship courses—the Legends Course and the Champions Course—the resort has hosted numerous prestigious tournaments, including PGA Tour events. As part of the resort’s refresh, these iconic golf courses have undergone a substantial redesign aimed at preserving their historical significance while introducing modern enhancements that meet the expectations of today’s golf enthusiasts.

The courses, originally designed by renowned architects Dick Wilson and Joe Lee, have been updated to enhance playability and sustainability. The new course layouts feature improved greens, better water management systems, and upgraded turf that aligns with eco-friendly practices, ensuring a top-tier golfing experience that harmonizes with the surrounding Southern California landscape. The resort has also integrated state-of-the-art practice facilities, including an expanded driving range and short game areas, allowing golfers of all levels to perfect their swing before hitting the course.

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For fitness minded guests, there are also 17 clay and hard tennis courts, the adult Edge pool for relaxation or laps and a wide range of classes through their fitness camp and Athletic Club.

Kids will love the two 100-foot waterslides at the Splash Landing pools, the sandy beach pool, Kidtopia kids’ club, outdoor evening movies by the pool, s’mores and a cool game lounge.

Foodies can enjoy the huge portions at Bob’s Steak & Chop House, offering dinner dishes including onion rings, crab cakes, salads, ribeyes, filets, pork chops, lamb and a variety of seafood.

For all day dining, Vue provides pretty al fresco dining with views of the rolling green hills and golf courses. Breakfast and brunch highlights include daily variations on Benedicts and brunches; breakfast burrito bowls, French toast and chilaquiles.

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My favorite part of the resort is the gorgeous Spanish Colonial style courtyard where kids can play, adults can lounge and savor a cappuccino and couples can stroll under stars and moonlight around beautifully lit fountains. The resort also updated their Coastal Events Center to accommodate a variety of events in the 100,000-square-foot space.

Omni La Costa Resort & Spa, 2100 Costa Del Mar Road, Carlsbad. For reservations, visit www.omnihotels.com/hotels/san-diego-la-costa  or call 760.438.9111.

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