1 week agoWorld LeaksComments Off on Enzo Maresca phoned Jadon Sancho BEFORE Chelsea transfer to lay down law with major warning to Man Utd flop
ENZO MARESCA loves Jadon Sancho — but it is tough love.
Chelsea’s boss revealed he called his final and most high-profile signing of the summer transfer window to lay down a few ground rules even before the deal was done.
InstagramEnzo Maresca has revealed he called Jadon Sancho before his loan transfer to Chelsea[/caption]
GettyMaresca said he wanted to lay down some ground rules before the deal was done[/caption]
GettySancho joined the Blues on loan from Manchester United[/caption]
Winger Sancho is set to feature at Bournemouth tonight having joined on loan from Manchester United.
It was there where the one-time England international, 24, fell out with coach Erik ten Hag amid criticism of the player’s attitude and effort.
Maresca, 44, feels signing Sancho is zero risk but also warned him and fellow new man Joao Felix the hard work starts now — and will not stop.
The Italian said: “Listen, we have Jadon, Joao, these kinds of players.
“Before they joined I had a chat with them and one of my messages was if you come here and don’t work properly you are not going to play.
“Before they arrived the message was clear. For Jadon. For Joao.
“But I said, ‘the reason I’m speaking to you is that I really like you. If you come here in the way that we want, we are happy.
“But if you come there and don’t work hard, it’s better if you don’t come’.”
Sancho has not played a Premier League game since August last year. He was banished to train alone by fuming Ten Hag for the first half of last season thanks to their fallout.
Maresca will pick up the baton as he strives to make Chelsea a force once again.
He added: “I don’t consider Jadon a risk because I consider Jadon as a player who can help us.
“I don’t have any idea about what happened with Erik. I can just judge the player in the weeks he has been with us and he has been perfect.
“If the players perform during the week then they have a chance.
“This is for everybody, if they don’t work properly they are not going to play.
“Jadon has been working well with us since he arrived. I love Jadon, I love the players we have.
“I knew him in terms of a player and what I have seen in two weeks is exactly what I expected.
“With the way we play he is that kind of player who can help us a lot, especially in the last third — when we arrive there so many times and need more quality, more patience, more accuracy.”
Forward Cole Palmer is fit again after missing England’s Nations League games with a minor hamstring problem.
Midfielder Romeo Lavia has also recovered from a knock.
Before the main event, Newcastle native Lewis Bowden goes head-to-head with online rival George ‘Stokey’ in one of the most anticipated bouts on the undercard.
But who else is on the huge Misfits Boxing 18 bill?
Who is on the Misfits 18 card?
Here are all the confirmed fights on the Misfits 18 card:
Main card:
Elle Brooke (c) vs Jenny Savage (MFB middleweight championship)
Jully Poca (c) vs Crystal Pittman (MFB cruiserweight championship)
Stake Pro tournament final
Chris Avila vs Benson Henderson (Stake Pro tournament semi-final)
Nikki Hru (c) vs Carla Jade (MFB women’s lightweight championship)
Anthony Taylor vs Nahom Wedi
Joey Knight vs Lil Cracra
Ashley Rak-Su vs Tristan Hamm
George Stokey vs Lewis Bowden
Misfits Kick-offs
Idris Virgo vs Fes Batista (Stake Pro tournament semi-final)
Big Tobz vs Kelz
@MisfitsBoxing
How can I watch Misfits Boxing 18?
Misfits Boxing 18 main card will be shown LIVE on DAZN.
The event will begin at 8pm BST.
You can subscribe to DAZN in the UK for £9.99-a-month, which commits you to an entire year of action.
A flexible pass, worth £19.99-a-month, is also available, and you can cancel anytime.
You can also pay £99.99 for the year upfront, and this is the lowest cost option.
Can I live stream Misfits Boxing 18?
DAZN subscribers can live stream Misfits Boxing 18 via the DAZN app.
The DAZN app is available to download for FREE on to your mobile or tablet device.
Alternatively, you can keep up to date with all the action via SunSport’s live blog.
Can I watch the Misfits 18 kick-off show for FREE?
1 week agoWorld LeaksComments Off on Shopping on Vinted, switching banks and reusing wrapping paper – Sun Money team share their saving tips for Christmas
SAVING for Christmas can be a huge task, with the festive season costing Brits more and more every year.
In fact, research by comparison sit MoneySuperMarket found that the average cost of Christmas rose to £1,811.70 per household last year.
The festive season is more expensive than ever
But there are ways you can save throughout the year to cut the cost of the holiday, from savings challenges to buying items at a discount.
Here, The Sun’s money team have shared all the ways they’re cutting costs this Christmas and their top money saving tips.
Being super organised with Christmas and having an idea of expenses helps spread the cost and takes some of the pressure off the big day.
I will be doing stockings for my two children as usual this year and have already started collecting things that can be used as fillers, I simply buy as and when I see suitable bargains.
I am also looking at buying a toy advent calendar and taking out the gifts to use as fillers which is a great way to make some savings.
Hampers are a great gift for hard-to-buy family members. And making your own is far cheaper than ready made.
I take advantage of deals and offers in the supermarkets now to stockpile items and tailor to the tastes of the chosen recipient.
I save all my supermarket points throughout the year to use around Christmas. I always check if cashback is available before buying anything – both through my bank account and through sites such as Topcashback.
I’ll be looking on Vinted for Christmas outfits and jumpers. Last year I bought a fab sequin dress from M&S for £5 through the app.
‘I’ve made hundreds of pounds towards Christmas with very little effort’
The run up to Christmas can be a stressful and pricey time – but not this year for me.
I’ve made hundreds of pounds extra with very little effort.
Banks give away free cash for moving your current account. I’ve now done it five times over the last 10 months and have stashed £875 in my festive fund.
I bagged £200 from Natwest in November 2023, followed by £150 from Co-op Bank.
Shortly after I moved again to Santander, bagging £175, and then Lloyds for a tidy £175.
Doing this took very little effort, but does require filling in a few online forms each time. Using the Current Account switching service (CASS) means most of the work is done for you though, and it takes just seven days.
These deals have come and gone over the past year, so take advantage of them while you can.
First Direct is currently giving away £175. Sadly, I can’t get this one to take me past the £1,00 mark, as I already bank with them. But anyone who doesn’t should see if they can cash in for Christmas – after all it’s money for nothing.
‘I’ll be saving a few quid with second-hand wrapping paper’
This year, me and my girlfriend will save a few extra pounds by using old wrapping paper stowed away from birthdays throughout the year.
When it comes to food and drink, we will make sure to not overload the fridge, as that can see the appliance forced into working harder and running less efficiently.
Instead we’ll put any soft and alcoholic drinks outside where they will likely stay cold enough.
A recurring theme among our family in the last two or three years, since my sister had kids, is to only buy presents for them and then do secret santa for the adults, which saves everyone a bit of money.
‘We’ve amassed a £600 cash pot and barely even noticed’
Every January, my boyfriend and I set up a plan for how much we want to save for Christmas so when it gets to December we aren’t left worrying how we’ll pay for everything.
This year we agreed on £25 each a month – adding up to a total of £600.
We then use this cash to pay for presents for our loved ones and our one-year-old twins.
We do our weekly shop online at Sainsbury’s and I’ve been saving up our Nectar points to use on our Christmas shop.
So far, we have almost £60 worth of points ready to spend.
In October, I usually start thinking of gift ideas for my family and friends and then keep an eye out for sales.
A big one for me to keep an eye on is Black Friday – the last Friday in November. While there are lots of not so genuine deals there are often good discounts around this time.
For example, my dad has been tracing our family tree for a while and likes to connect with extended family members.
A few years ago I bought him a DNA testing kit which was on sale on Black Friday for half-price.
‘I browse charity shops all year with Christmas in mind’
Whenever I pop into a charity shop (which is all the time), I’ve always got Christmas at the back of my mind.
Charity shops can be an amazing place to bag a bargain on brand new items.
If you go the bric-a-brac section, you can often find brand new, unopened gift sets for just a couple of pounds, often a fraction of the price from the original store.
And if you know someone who loves books, charity shops are excellent value.
Most sell books for £1 or less, or if it’s a particularly rare or valuable copy, you’re looking at a few quid maximum.
My partner loves reading, so I’m always looking out for nice copies of books I think he’d like and I pop them in a cupboard until the festive season.
Another issue is that social tariffs aren’t widely advertised and they tend to be hidden away on water companies’ websites.
The best thing to do is check your supplier’s website and see if you meet the eligibility criteria.
How much help can you get?
Eligibility for social tariffs usually depends on your household income and specific circumstances.
Some water companies will do a deep dive into your financial situation while others will require evidence that you claim certain benefits such as Universal Credit or Pension Credit.
Some social tariffs cap bills at a certain amount, while others offer discounts on average or actual bills.
For example, South East Water’s Social Tariff scheme is available to households with an income of less than £18,725 a year, excluding certain benefits. If you qualify, your annual bill will be capped at £182.82 (East) or £146.94 (West).
Much less generous is Yorkshire Water’s WaterSupport scheme. This caps bills at £364 for 2024/25 and requires an income of less than £19,000 a year.
Anglian Water, Essex and Suffolk Water and Northumbrian Water all offer bill discounts described as “up to 50%”.
Anglian Water assesses individual circumstances before moving customers to a social tariff.
But both Essex and Suffolk Water and Northumbrian Water have quite specific criteria: either a household income of less than £23,933, or a member of your household being in receipt of Pension Credit, and an annual water bill which is 3% or more of your net household income after housing costs.
Some other suppliers offer much bigger savings. For example, Southern Water’s Essential tariff offers discounts up to 90% off the average bill.
To qualify you need a household income of less than £22,010 (excluding some benefits) and savings of less than £16,000.
According to the CCW, the independent body for water consumers, more than 2 million customers are receiving some form of support with paying their water bill.
This includes more than 1.3 million low-income households in England and Wales on social tariff schemes.
But millions could be slipping through the net due to a lack of awareness of social tariffs.
Andy White, senior leader for social policy at the Consumer Council for Water (CCW), said: “Every water company has been allowed to develop its own social tariff scheme, which has led to some big variations in eligibility criteria and the level of support provided.”
The CCW, Citizens Advice and several other charities have been campaigning for a single scheme across England and Wales with fairer and better targeted support for those that need it most.
Last month Independent Age wrote an open letter to the Minister for Water and Flooding, Emma Hardy, asking the government to help people in poverty with their water costs.
Any decision regarding a single social tariff would be made by minsters and it’s understood that discussions are ongoing.
Tom MacInnes, interim director of policy at Citizens Advice, said: “It’s essential that people on the lowest incomes can afford their water bills and are shielded from the above-inflation price rises we’re set to see over the coming years. Yet current social tariff schemes are falling far short of ensuring this.”
Water bills typically increase each year. The water regulator Ofwat has proposed that bills should increase by an average of £19 a year between 2025 and 2030, a rise of 21% over the five-year period.
Some water companies would raise their bills by much more than this if they could get away with it.
Available across England and Wales, the water assistance scheme is targeted at metered customers who are in receipt of certain benefits and have to use a lot of water due to a medical condition or the size of their household.
It caps bills at an amount set at your supplier’s average household cost.
This figure varies between water companies. For example, the average annual bill for 2024/25 with Severn Trent is £438, while at Thames Water it is £471.
To be eligible for WaterSure, you must have a water meter (or have applied for one), be on a means-tested benefit (such as Universal Credit or Income Support), and have a need to use additional water.
THE SECRET SINGLE DISCOUNT
If you’re on an assessed household charge and live alone, you can save money by asking to be moved to your supplier’s ‘single occupier tariff’.
Water companies generally don’t advertise this tariff – so you will need to ask for it.
How much the single occupier tariff costs and how much it will save you depends on your water company.
For example, a Thames Water customer on a single occupier discount pays £359 a year, which is £54.10 a year cheaper than someone with one bedroom or a studio flat.
How are water bills calculated?
Households are charged for water in one of three ways: unmetered based on your home’s rateable value, via a water meter, or an assessed household charge .
If your water is unmetered, your bill is based on your home’s ‘rateable’ value.
This depends on your property’s size and location. If you have a water meter, your bill will depend on how much water you use.
You can save money by using less. In general, if there are more bedrooms in your home than people, you’ll save money with a water meter.
All properties built since 1990 have a water meter installed, while occupants of older homes can ask their water company to install a meter for free.
But some properties won’t be able to have a water meter. For example, many blocks of flats have shared pipes or inaccessible pipework.
If you’re rejected for a water meter, you’ll be put on your water company’s ‘assessed household charge’. This is based on the average metered bill for the number of bedrooms your home has.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
1 week agoWorld LeaksComments Off on We paid £120 for extra legroom seats but didn’t get them and TUI won’t refund us – it could happen to anyone
Q)I BOOKED a return flight with TUI from Birmingham to Rhodes for me and my wife and paid an extra £110 for extra legroom seats.
We regularly fly with TUI and as soon as we boarded the flight we realised there had been an error.
Our consumer champion won the £120 back
There was nowhere for us to move to, so TUI staff advised us to make a complaint – but we’re going round in circles trying to get a refund. Can you help?
Mark Vickerstaff, Wolverhampton
A)YOU couldn’t wait for your summer trip to the island of Rhodes in Greece in June.
But when you boarded your flight from Birmingham Airport, you immediately realised you hadn’t been allocated the extra legroom seats you’d paid an extra £60 each for.
You fly with TUI regularly and find the extra legroom seats comfortable.
But on this occasion, you ended up on a plane operated by a different airline, and your knees were touching the seat in front of you.
You asked to switch seats, but there was nowhere free to move to, so a staff member advised you to make a complaint after you landed.
When you contacted TUI and asked for a refund a customer service agent insisted you had been sat in extra legroom seats.
You checked the seating map for your flight, which confirmed you had been given standard seats.
But despite your protests, TUI wouldn’t budge – until you contacted me and I got in touch on your behalf.
It’s since refunded you the £120 and apologised for the mix-up.
You’re pleased with this outcome, but I found what happened to you concerning.
Airlines often charter other planes to fly their routes, and if those planes don’t have the same seating arrangements, customers who have forked out extra could miss out.
It’s important airlines have a system in place to refund customers who don’t get what they paid for in these situations, so I’ve asked the airline to investigate further to stop this happening in future.
In total our Squeeze Team has won back £179,860 for readers.
How to contact our Squeeze Team
Our Squeeze Team wins back money for readers who have had a refund or billing issue with a company and are struggling to get it resolved.
We’ve won back thousands of pounds for readers including £22,000 for a man asked to pay back benefits to the DWP, £2,800 for a family who had a hellish holiday and £635 for a seller scammed on eBay.
To get help, write to our consumer champion, Laura Purkess.
I love getting your letters and emails, so do write to me at squeezeteam@thesun.co.uk or Laura Purkess, The Sun, 1 London Bridge Street, SE1 9GF.
Tell me what happened and don’t forget to provide your phone number so I can ring you if I need more information. Share with me any reference number the company has given you relating to your case, or any account name/number if you’re a customer.
Include the following line so I can go to the firm on your behalf: “I give permission for [company’s name] to discuss my case with Laura Purkess at The Sun”.
Please include your full name and location in your email/letter.
1 week agoWorld LeaksComments Off on Eugene Levy and Dan Levy tease Emmy surprises
When the Emmys air Sunday on ABC, Eugene Levy and Dan Levy will make Emmys history as the first father and son hosting team. Watch our full Emmys preview special.
1 week agoWorld LeaksComments Off on Kai Sniffen sniffs out three picks as Archbishop Mitty shuts out No. 21 Menlo-Atherton
Thanks to three interceptions from Kai Sniffen and a trio of third-quarter touchdowns, Mitty took down No. 21 Menlo-Atherton on Friday night at Foothill College.
1 week agoWorld LeaksComments Off on I found £60k in lost pension cash and it’s transformed my quality of life – check if you’re one of millions missing out
HOSPITALITY worker James Wells couldn’t believe his luck when he stumbled upon a small fortune in forgotten pension pots.
The 47-year-old figured he must have retirement savings somewhere he had forgotten about, but he could never have anticipated unearthing four different pots of cash each worth tens of thousands.
suppliedJames Wells stumbled upon £60,000 in lost pension pots[/caption]
James had hopped between hospitality jobs for his whole career, meaning he often switched pensions and had lost track of some along the way.
Last year, the dad-of-two had been thinking it was high time he got started getting his retirement savings in order when he stumbled across the app Penny, which traces your old pots for you.
James, who lives near Swindon, admitted: “I’ve moved around companies quite a bit, and I just lost track of my pension savings.
“I think I found Penny through Martin Lewis‘ Money Saving Expert or maybe even Twitter. It just caught my eye.”
The app, designed to help people consolidate their pension pots, proved to be a game-changer for James.
“I wasn’t particularly looking for it, but when I saw it, I thought, ‘I don’t really know how many pensions I’ve got,’ so I decided to give it a go,” he said.
James soon discovered four different pension pots dating back to 2003, including three with Aviva and one with a firm called Nest.
They all varied by amounts, ranging from £2,000 to a whopping £48,000.
“I was aware of definitely one of them, but I had moved and not changed addresses with the pension providers, so I stopped getting communications from them,” he explained.
James, who started paying into his first pension at 24, had a gap in contributions while he focused on buying a house.
He resumed pension payments at age 30 and has been more diligent with them ever since.
“I never really paid attention to my pensions before, but something triggered recently, and I thought I should find out exactly how much I’ve got.”
The missing pensions problem
James is one of millions of savers estimated to have lost track of old pension pots worth thousands of pounds.
Research earlier this year by provider PensionBee found one in 10 workers – equivalent to more than three million people – believe they’ve lost a pot worth £10,000 or more.
Around £50billion worth of savings is estimated to be “missing” in total.
How James tracked down his old pots
The process was surprisingly straightforward, James told The Sun.
“I put in my personal details, past addresses, and the companies I’d worked for and Penny did the groundwork.”
Within weeks, the app had tracked down all his pensions from past jobs, and James couldn’t believe it.
“Now I can see exactly how much I’ve got and whether they’re going up or down. It’s nice to finally be on top of my pensions,” James said.
You can download the Penny app via your phone’s app store.
What is pensions auto-enrolment?
HERE's what you need to know about pensions auto-enrolment:
What is pension auto-enrolment?
Since October 2012, employers have had to enrol their staff into workplace pension schemes as part of a government initiative to get people to save more for retirement.
When does auto-enrolment apply?
You will be automatically enrolled into your work’s pension scheme if you meet the following criteria:
You aren’t already in a qualifying workplace scheme.
You are aged at least 22.
You are below state pension age.
You earn more than £10,000 a year
You work in the UK.
How much do I contribute?
There are minimum contributions that you and your employer must pay.
Your minimum contribution applies to anything you earn over £6,240 up to a limit of £50,270 in the current tax year. This includes overtime and bonus payments.
A minimum of 8% must be paid into the pension, with you contributing 5% and your employer paying at least 3%.
What if I have more than one job?
For people with more than one job, each job is treated separately for automatic enrolment purposes.
Each of your employers will check whether you’re eligible to join their pension scheme. If you are, then you’ll be automatically enrolled in that employer’s workplace pension scheme.
Can I opt out?
You can choose to opt out, but you’ll miss out on the contributions from the government and from your employer. If you do choose to opt out you can opt back in later.
How it has helped with his retirement
James is realistic about his retirement plans, but he said this uplift will definitely change his quality of life.
“I think I’ll be working until I’m around 68 or 69 – I might not do the same job and might get paid less, but I’ll definitely be working until government retirement age,” he said.
While it’s not a huge windfall, it’s certainly a boost that will help his quality of life when he retires.
“I think it’s going to boost my government pension and give me an extra however many hundred pounds a month extra, which will certainly help with my quality of life going forward when I retire,” James explained.
James also has other savings, including ISAs for a rainy day, but he finds the Penny app particularly user-friendly.
“The process was very easy. It might have taken me 20 minutes to do, and I didn’t have to write to or phone anybody,” he said.
For those still searching for lost pensions, James has some advice: “Having them all in one place is helpful. Plus if you’re going to change addresses, it’s easier to let one company know rather than four. Plus, you save on fees.”
How does Penny work?
Penny tracks down your pension pots after you provide it with your NI number and any details you have about your old jobs such as the name of your employer, the dates you worked and the name of your pension provider, if you have it.
It automatically combines them into one new pot, which you can view via a dashboard on the app.
The app charges a 0.75% fee for managing your pension but doesn’t charge any extra fees unless you choose to put your money in an “ethical fund”, in which case the charge is 0.78%.
If you decide to go down the route of tracking your old pensions and combining them into a new pot, make sure to ask whether you would be giving up any benefits by doing so.
Some pensions come with valuable benefits attached, such as a guaranteed income or a protected pension age of 55.
Pensions can be pretty confusing, and it can be hard to know if you’re doing the right thing.
There are several things you can do to make sure you’re putting away as much as possible for retirement:
Find out what you’ve got
Before you consider your plans for tomorrow, you’ll need to understand where you stand today.
Make sure you track down all of your workplace pension pots too, pension providers tend to send annual statements by post which you can use to find any crucial contact details.
Once you have found all the relevant information you can then contact the pension provider and ask if they have any information about your pension pot and its value.
If you have no luck using this method because you’ve lost previous statements or haven’t received any because you’ve moved house, it’s worth using the Government’s Pension Tracing Service or apps like Penny.
Put them all together to save cash
If you have several workplace pensions that you’re no longer paying into, you might be better off consolidating them into a single pot.
There are several advantages to this, including that by having your savings all in one place, you’ll only pay one set of fees.
You can also choose which pension provider you want to transfer the different savings to, so you can pick the best one for you.
It also makes it easier to keep track of your money, and see how each pension is performing – then you’ll have a good idea
Planning ahead
Financial providers Aviva and Royal London have tools that give you an idea of what your retirement income will be based on how much you’re saving.
Your current employer’s scheme should also be able to give you an idea of what you have and how to project this to your retirement age.
Many employers offer sessions with financial advisers to help you plan for your future retirement.
Increase where you can
The most obvious way to increase your savings pot is to save more. The earlier you start paying money into your pension, the more cash you’ll have in the long run.
Pension expert at insurer Aviva, Alistair McQueen recommends saving at least 12% of your earnings into a pension.
If you’ve left it relatively late to pay into savings it’s a good idea to ramp up efforts.
If you can afford to save more, it definitely pays to do so.
Often workplace schemes will match employee contributions in effect giving you free cash to put towards your retirement – the more money you put in, the more you’ll also get from your employer.
Invest in the right funds
Pension cash is invested by your pension firm. Under a workplace pension money is typically funnelled into a ‘one size fits all’ default fund.
However, if you’re younger you can generally afford to take more risk with your investments. The theory is that you may have some bigger short-term losses but these should be balanced out by bigger gains over time.
Or someone older may want to switch to very low-risk options.
Managing investments is an intimidating task, but even just checking in with your pension performance each year should give you an idea of what your hard-earned savings are doing.
You can speak to a financial adviser about your options if you are not happy and thinking about switching out of a default fund.
Other ways to track down your pensions
There are other services you can use to track down a lost pension, including the Government’s online Pension Tracing Service.
The service is free to use, but only tells you the contact details of your pension provider and doesn’t let you combine and manage pots like Penny.
Pension firm AJ Bell also has a service to locate old pensions and lets you combine them into one pot like Penny.
It takes around four to six weeks to find your pensions.
It is free to use AJ Bell’s pension tracing service, but it will charge you to manage your single pot – depending on what pension you take up, you are charged an up to 0.6% fee.
You could also try ringing your old employers’ HR department to ask for the details of your old pensions.
Provide information like the dates you were employed, as well as your National Insurance number.
Once you have found your old pensions, it may be worth consolidating them into one place so you can keep track of them more easily in future.
Putting all your money into one modern pension scheme could also mean you pay less in fees.
But check with your scheme you won’t lose any valuable benefits by transferring first.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
