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Les prêteurs sont sur le point de ramener des hypothèques à 100% pour la première fois depuis le krach financier

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Les prêteurs sont sur le point de ramener des hypothèques à 100% pour la première fois depuis la crise financière de 2008

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Les prêteurs sont sur le point de commencer à offrir des prêts hypothécaires à 100 % pour la première fois depuis la crise financière mondiale de 2008.

Skipton Building Society envisage de lancer un prêt pour les premiers acheteurs qui n’ont pas de dépôt dans le but d’attirer plus de personnes sur l’échelle de la propriété.

Le chef de la direction, Stuart Haire, a déclaré que la société souhaitait que la nouvelle hypothèque “aide ceux qui sont pris au piège des loyers”.

Les détails exacts du prêt sont encore secrets, mais les emprunteurs devront prouver qu’ils ont déjà payé un loyer à un niveau similaire à celui d’un remboursement d’hypothèque jusqu’à deux ans.

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L’accord sera fixé pour deux ans afin de les protéger de tomber dans des capitaux propres négatifs – où une propriété vaut moins que la valeur de l’hypothèque contractée pour l’acheter.

Les prêteurs sont sur le point de commencer à accorder des hypothèques à 100% qui permettent aux premiers acheteurs d'emprunter le coût total d'une maison sans déposer de dépôt

Les prêteurs sont sur le point de commencer à accorder des hypothèques à 100% qui permettent aux premiers acheteurs d'emprunter le coût total d'une maison sans déposer de dépôt

Les prêteurs sont sur le point de commencer à accorder des hypothèques à 100% qui permettent aux premiers acheteurs d’emprunter le coût total d’une maison sans déposer de dépôt

Avant le krach financier de 2008, tous les prêteurs, y compris Lloyds et HSBC, proposaient des prêts hypothécaires sans dépôt

Avant le krach financier de 2008, tous les prêteurs, y compris Lloyds et HSBC, proposaient des prêts hypothécaires sans dépôt

Les grandes banques, y compris HSBC, offraient toutes des prêts hypothécaires sans dépôt avant 2008

M. Haire n’a pas confirmé si l’hypothèque représenterait jusqu’à 100% de la valeur d’une propriété, mais a déclaré au Times que Skipton essayait de trouver un moyen de contourner le barrage routier auquel sont confrontés les premiers acheteurs qui payent régulièrement un loyer mais ne peuvent pas obtenir une hypothèque en raison de l’impossibilité d’épargner pour un dépôt de 5 %.

Mais certains analystes ont averti que le retour d’une hypothèque à 100% exposerait les emprunteurs à un risque accru de capitaux propres négatifs si la valeur de leur maison diminuait d’aussi peu que 3,7% sur deux ans.

Avant le krach financier de 2008, tous les grands prêteurs, y compris Lloyds et HSBC, proposaient des prêts hypothécaires sans dépôt.

Ces prêts ont été bannis du marché à la suite de la crise dans le cadre d’une répression des prêts à risque.

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Mais le manque d’options hypothécaires abordables pour les primo-accédants a accru leur attrait dans un contexte de panique au sein du gouvernement que ses plans d’augmentation de l’accession à la propriété sont menacés.

Dans un effort pour stimuler le pouvoir d’achat, le gouvernement pourrait envisager de relancer le programme d’aide à l’achat, qui offrait des prêts aux primo-accédants pour les maisons nouvellement construites.

La volonté de rendre les prêts hypothécaires plus abordables survient alors que la Banque d’Angleterre s’attend à ce que les taux d’intérêt augmentent à nouveau cette semaine, ce qui accroît la pression sur les emprunteurs à mesure que les coûts de remboursement augmentent.

La Banque devrait augmenter ses taux de 0,25 point de pourcentage à 4,5 %, leur plus haut niveau depuis octobre 2008.

Et ils craignent que les taux n’atteignent 5 % d’ici décembre.

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Backpacker warns against travelling to these ‘expensive and overrated’ popular holiday destinations – but does she have a point?

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An Australian backpacker has revealed the two popular travel destinations she believes are overrated.

Alex, 26, who goes by @alexinsummer on TikTok, is a travel content creator who documents her journey backpacking on social media.

She told viewers: ‘These are the most overrated travel destinations. I’m so sorry if this ruins your travel plans but I’m just here to help’.

Read on to find out the places the TikToker thinks are overhyped and where you should go instead. 

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Alex, 26, who goes by @alexinsummer on TikTok , is a travel content creator who documents her journey backpacking on social media

Alex, 26, who goes by @alexinsummer on TikTok , is a travel content creator who documents her journey backpacking on social media

Alex, 26, who goes by @alexinsummer on TikTok , is a travel content creator who documents her journey backpacking on social media

El Nido, Philippines

Alex explained: ‘The first one is El Nido in the Philippines. Don’t get me wrong, I like the Philippines.

‘It’s beautiful, it’s got some blue a** water but it is crowded and honestly, it all kinda [sic] looks the same.

‘It’s also expensive, I think people going to the Philippines are like ‘oh my God’, it’s going to be this super cheap holiday just because it’s in south east Asia.’

The Australian added: ‘Every person that I have spoken to that have travelled south east Asia has said that the Philippines minus Singapore is the most expensive south east Asian country they have ever travelled to.

‘I’m so happy that the Philippines was the first one I did, like a long trip back in March, because I was like zdamn these prices are kinda [sic] wild for what you’re getting.’

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But if you do go, she recommends exploring Coron over El Nido and is ‘really excited to go to Sirgoa’: ‘I have heard that it is just the most incredible place ever so I’m definitely down to go there.’

Alex, 26, who goes by @alexinsummer on TikTok , is a travel content creator who documents her journey backpacking on social media

Alex, 26, who goes by @alexinsummer on TikTok , is a travel content creator who documents her journey backpacking on social media

Alex, 26, who goes by @alexinsummer on TikTok , is a travel content creator who documents her journey backpacking on social media

One viewer commented: ‘How different are the prices compared to Thailand, like in food activities bike rental, etc?’ to which she replies: ‘Thailand is way cheaper!’

Another added: ‘Currently in Siargao and unfortunately feel it’s super overrated’.

Meanwhile, someone else penned: ‘I personally liked El Nido a lot. Prices were okay too’.

Paris, France  

In the second video, Alex talks about the city of love – Paris.

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She told viewers: ‘Now, I actually used to live in Paris and this place still has a weird, wholesome place in my heart.

‘But it is not this beautiful, idyllic, romanticized place that a lot of people make it out to be.

‘During the winter it is grey, it is cold, it is windy and during the summer I would say it is really beautiful, however it is completely packed.’

She added: ‘There is no air conditioning so have fun on the Metro – there are gonna be some interesting aromas in the air and yes of course it’s dirty, it’s a big city.

‘I would say that Paris, similar to London, is going to give you a very different experience based on how much money you have.

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‘Like I said, I still love Paris and I definitely recommend going. If you’re gonna go, go in like September, October.

‘It’s not too cold, it’s not too hot, it’s not as crowded. It’s really pretty so definitely go but do not be disappointed if it is not everything you made it out to be in your head.’

It comes just after Paris placed near the bottom of the table in the Which? survey of the UK’s favourite European city breaks.

The consumer champion asked more than 1,600 of its members to rate their experiences of 31 popular cities across Europe to create the list.

Each location was rated out of five on seven criteria – food and drink, accommodation, cultural sights and attractions, shopping, ease of getting around, lack of crowds and value for money. An overall customer score was calculated based on overall satisfaction and likeliness to recommend.

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Paris ranks low down in the table, garnering 79 per cent in joint 12th with Athens, meanwhile Krakow, Poland, and Valencia, Spain share the crown with their ‘impressive’ 92 per cent scores.

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Guinea-Bissau president calls deadly violence ‘attempted coup’, as soldiers ordered back to barracks

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Guinea-Bissau’s President Umaro Sissoco Embalo on Saturday said this week’s deadly violence involving members of the National Guard was an “attempted coup” as the army ordered them back to barracks.

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The unrest between members of the National Guard and special forces of the presidential guard on Thursday night in the capital Bissau left at least two people dead.

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Embalo, who was in Dubai attending the COP28 climate conference, arrived in Bissau on Saturday and said an “attempted coup d’etat” had prevented him from returning.

“I must tell you this act will have serious consequences,” he added.

Embalo said the coup attempt was prepared before celebrations on November 16 commemorating the anniversary of the armed forces.

Since gaining independence from Portugal in 1974, the small West African nation has seen a series of coups and coup attempts.

Embalo, who was elected to a five-year term in December 2019, survived a failed overthrow in February 2022.

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A military official, speaking anonymously due to the sensitive nature of the situation, said six soldiers were injured in the fighting and evacuated to neighbouring Senegal.

Calm had returned by noon on Friday to the small nation with a history of instability, following the announcement that the army had captured Colonel Victor Tchongo, commander of the National Guard.

On Saturday the security presence in Bissau was reduced, but soldiers were still visible around certain strategic buildings such as the presidential palace, the judicial police headquarters and some ministries.

Some National Guard officers and soldiers fled into the interior of the country, the army said in a statement Saturday, without specifying numbers.

“The General Staff of the armed forces hereby informs them that they must return to their place of assignment,” the statement continued.

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ECOWAS expresses ‘full solidarity’

Regional bloc the Economic Community of West African States (ECOWAS) said it “strongly condemns the violence and all attempts to disrupt the constitutional order and rule of law in Guinea-Bissau”.

“ECOWAS further calls for the arrest and prosecution of the perpetrators of the incident in accordance with the law,” the Abuja-based organisation added in its statement on Saturday.

The regional bloc also expressed “its full solidarity with the people and constitutional authorities of Guinea-Bissau”.

A spokesman for UN chief Antonio Guterres, Stephane Dujarric, had called Friday for calm and urged the security forces and the army “to continue refraining from interference in national politics”.

Members of the National Guard Thursday evening stormed a police station to extract Finance Minister Souleiman Seidi and Treasury Secretary Antonio Monteiro, according to army and intelligence officers.

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The two government members were being questioned about the withdrawal of $10 million from state accounts. They had been detained under orders of state prosecutors, who are named by the president.

Embalo said someone sent Tchongo to remove Seidi from detention and announced that an investigatory commission would be formed on Monday.

The National Guard is under the control of the interior ministry, which, like most ministries in the country, is dominated by the PAIGC party whose coalition won the June 2023 elections.

The two government members were detained again after the army removed them from National Guard control.

Government spokesman Francisco Muniro Conte said Saturday: “We have always opted for the application of the law. A president who is elected must complete his term of office.”

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“We cannot obstruct people who are facing justice, if the law is really respected,” he added.

(AFP)

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Mom in Ohio tells Daily Mail her son, 14, was hospitalized with same pneumonia causing ‘white lung’ outbreak in China and Europe: ‘He was crying and couldn’t breathe’

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An Ohio mom has revealed how her healthy teenage son was ‘hours away from  brain damage’ after being struck down by the same pneumonia rising in China.

William McCarren, 14, was rushed to hospital Wednesday after he came home from school ‘crying and grabbing his chest’ saying he could ‘barely breathe.’

‘He was very pale and he could barely stay awake, he was acting like he was going to pass out,’ his mother, Mollee Campbell, told DailyMail.com.

When he arrived at the ER, the doctors told her William’s lungs were so full of fluid it was starving his body and organs of oxygen. 

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‘They said that if he went much lower it could have caused brain damage in some way,’ said Mollee, holding back tears. ‘He was extremely scared. We got really lucky.’

William was diagnosed with mycoplasma, the bacterial infection at the center of pneumonia outbreaks in China and several European countries.

He is one of more than 140 children in the Warren County area of Ohio to fall ill with the lung condition, where doctors say cases are so high they ‘meet the definition of an outbreak’.

William McCarren, 14 and from Middletown, was rushed to hospital on Wednesday after he came home from school crying and saying he was struggling to breathe. He is pictured above in hospital

William McCarren, 14 and from Middletown, was rushed to hospital on Wednesday after he came home from school crying and saying he was struggling to breathe. He is pictured above in hospital

William McCarren, 14 and from Middletown, was rushed to hospital on Wednesday after he came home from school crying and saying he was struggling to breathe. He is pictured above in hospital

William is pictured above with his mother Mollee before he suffered from pneumonia

William is pictured above with his mother Mollee before he suffered from pneumonia

William is pictured above with his mother Mollee before he suffered from pneumonia

Mollee said: ‘They [the pediatricians] said they were overloaded with it [pneumonia] in the last two or three days that that was all they had been seeing and they were just trying to make sure they had all the medicine they needed for al the kids.’ 

‘They did say almost the whole floor was nothing but children with pneumonia.’

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Warren County health officials said Thursday that it has treated an ‘extremely high’ number of children with pneumonia – 145 cases since August.

The average patient is around 8 years old and no deaths have been reported, but the volume of patients is unusual. 

Mycoplasma is a bacterial infection that causes outbreaks every five or so years — but it rarely makes headlines because cases are mild and deaths extremely rare.

The difference this time, experts told DailyMail.com, is that children’s immunity is low following lockdowns, school closures and mask mandates.

The bacterial infection is also believed to be driving the outbreak in China that has overwhelmed pediatric hospitals in the North. 

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It is also driving cases and deaths in parts of Europe, including the Netherlands and Denmark.

But doctors have stressed the outbreaks are not the result of infections being transferred from country to country.

Will is pictured above during happier times

Will is pictured above during happier times
Will is pictured above while in hospital

Will is pictured above while in hospital

Will (left before the illness and right in hospital) had fluid in both of his lungs, doctors said

The above highlights the two locations where rises in pneumonia cases in children have been reported in the US so far. They are Warren County, Ohio, and East Longmeadow, in Massachusetts

The above highlights the two locations where rises in pneumonia cases in children have been reported in the US so far. They are Warren County, Ohio, and East Longmeadow, in Massachusetts

The above highlights the two locations where rises in pneumonia cases in children have been reported in the US so far. They are Warren County, Ohio, and East Longmeadow, in Massachusetts

Clad in hazmat suits, gloves and masks, the staff are shown walking between desks in classrooms, hallways and even outdoors while releasing a mist of sterilising liquid

Clad in hazmat suits, gloves and masks, the staff are shown walking between desks in classrooms, hallways and even outdoors while releasing a mist of sterilising liquid

Clad in hazmat suits, gloves and masks, the staff are shown walking between desks in classrooms, hallways and even outdoors while releasing a mist of sterilising liquid

This cycle of mycoplasma is happening at a time when children’s immunity is weak because they were robbed of vital immunity during Covid lockdowns.

What is causing the ‘white lung’ pneumonia outbreak? Everything we know so far 

What is the current situation? 

The WHO has placed an additional request to China for more information on its outbreak and data showed the country is experiencing an increased number of children sick with mycoplasma pneumoniae – bacteria that causes mild infections of the respiratory system – since May.

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And in signs eerily reminiscent of Covid, Chinese officials have called for masks and social distancing.

While China continues to deal with its own overrun hospitals and children out sick from school, outbreaks have begun to crop up in Europe.

On Thursday, Danish health officials said they were also dealing with a surge in the same type of pneumonia afflicting China.

What is causing the spike in pneumonia cases?

The outbreaks in the US, like China, are not being caused by a novel pathogen and not all of the pneumonia cases are being caused by the same infection.

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Experts say a mixture of several seasonal bacterial and viral bugs are hitting at once, putting pressure on hospitals.

Many patients with respiratory symptoms are testing positive for a bacterium called mycoplasma pneumoniae, a pathogen that causes mild pneumonia.

Positive tests have also returned for adenovirus, a normally benign respiratory infection, and strep.

Dr Amesh Adalja, an infectious disease expert from Johns Hopkins University in Maryland, told DailyMail.com he believes the pneumonia outbreaks cropping up around the world could be due to the ‘cyclical’ nature of mycoplasma.

What is mycoplasma pneumoniae? 

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Mycoplasma pneumonia is caused by a very small, ‘atypical’ bacterium called mycoplasma pneumoniae, which can lead to upper respiratory tract infections and pneumonia.

It causes illness by damaging the lining of the respiratory tract, including the throat, lungs and windpipe and is one of the most common causes of community-acquired pneumonia in the US.

The bacterium causes people with the lung infection to present with ‘atypical’ characteristics compared to those people experience with ‘typical’ pneumonia caused by germs or complications from another illness.

The bacterium spreads through droplets when an infected person sneezes or coughs. It can linger in the nose and throat without making a person sick, but if it spreads to the lungs, people can develop mycoplasma pneumonia.

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Mollee, talking about when Will was rushed to hospital, said: ‘I started crying my eyes out, I was so frantic. Neither one of my kids have ever had a serious illness.’

It came as a major shock after her boy — who ‘loves fishing, wrestling and the outdoors’ — saw his cough develop into an infection leaving him struggling to breathe.

Fighting back tears in an interview, she said: ‘He is always the first one to help you if you need it and he always sticks up for someone who is in trouble or anything like that.

‘He excels in school, is extremely smart and loves history. The Titanic and the Civil War, those are his favorite topics.’

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He came back from school on Wednesday pale, struggling to breathe and coughing up a lot of mucus, his mother said.

Mollee immediately rushed him to hospital where, once she told the receptionist her son ‘couldn’t breathe’, they automatically rushed him through to be seen by doctors.

Tests showed his blood oxygen level had fallen to about 75 percent. At 70 percent, it is considered life threatening.

Mollee added: ‘He was extremely scared. 

‘He kept telling me how thankful he was that I was there by his side and that he was just glad that it wasn’t worse. 

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William was discharged from hospital on Friday, but doctors have told his mother to keep a close eye on him and bring him back if he starts struggling to breathe again.

Giving advice to other mothers, Mollee said: ‘Even when your kid just has a little cough and it doesn’t seem like a normal one, just to go ahead and take them no  matter what even if it is just to check.

‘Like with me, we waited about a day or two when I should have took him earlier. 

‘It was a nightmare and I wish I would have taken him a little bit sooner than waiting a day, but these days you can never tell with kids. If your child doesn’t feel right, just contact somebody.’ 

DailyMail.com revealed Warren County’s pediatric pneumonia outbreak Thursday.

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Parts of Western Massachusetts are also seeing unusually high levels of mycoplasma, sometimes described as ‘walking pneumonia’ because it causes mild illness so patients are still mobile.

But respiratory illnesses across the board are up – as is the case in China. 

Dr Amesh Adalja, an infectious disease expert from Johns Hopkins University in Maryland, told DailyMail.com it was a ‘global’ phenomenon.

He believes the pneumonia outbreaks cropping up around the world could be due to the ‘cyclical’ nature of mycoplasma.

Bacterial respiratory infections usually flare up every five years, normally as people are recovering from a wave of flu or other viral illnesses. 

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Global immunity against seasonal illnesses is also low because pandemic restrictions robbed people of immunity against the infections – especially China, which locked down harder and longer.

‘So what’s happening in China makes sense’, Dr Adalja said, adding: ‘Last year we [the US] was dominated by so much Covid, flu and RSV when we opened up.’

Children are particularly vulnerable because social interaction during people’s early developmental years is crucial.

‘When children are born they haven’t experienced any infectious diseases, so the more of them you have in the population so lower threshold for an outbreak to start.

‘The pandemic allowed the number of these susceptible people to build up over years.’

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Will, who is pictured above on his 14th birthday in October, has now been discharged - but doctors have said he should be brought back if he begins to struggle to breathe again

Will, who is pictured above on his 14th birthday in October, has now been discharged - but doctors have said he should be brought back if he begins to struggle to breathe again

Will, who is pictured above on his 14th birthday in October, has now been discharged – but doctors have said he should be brought back if he begins to struggle to breathe again

Will (middle) is the eldest of three children. He is pictured above with his brother Bryce, 11, and sister Corrah, 3

Will (middle) is the eldest of three children. He is pictured above with his brother Bryce, 11, and sister Corrah, 3

Will (middle) is the eldest of three children. He is pictured above with his brother Bryce, 11, and sister Corrah, 3

His mother Mollee posted about her child's illness on Facebook

His mother Mollee posted about her child's illness on Facebook

His mother Mollee posted about her child’s illness on Facebook

The above graph shows deaths from pneumonia and flu among children aged under 18 years old since the 2019 to 2020 flu season. It shows that despite reports the current season nationwide is ‘not out of the ordinary’

Despite Beijing’s outbreak being linked to mycoplasma, Republican senators are calling on the Biden administration to ban travel from China ‘immediately’ as the outbreak there overwhelms hospitals.

Florida senator Marco Rubio said President Joe Biden ‘must take the necessary steps to protect the health of Americans’. 

He added: ‘That means we should immediately restrict travel between the United States and China until we know more about the dangers posed by this new illness.’ 

But the CDC and World Health Organization say they’ve seen data from China that has been corroborated in other countries – showing the culprit is not a new virus. 

The CDC said it is seeing ‘nothing unusual’ in figures for pneumonia hospitalizations at this time of year.

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The agency is keeping close tabs on the data to look for any spikes in the states.

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Ukraine blocks ex-president from leaving country amid alleged plan to meet pro-Putin Hungary’s Orban

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Ukraine’s security service said on Saturday it had prevented former president Petro Poroshenko from leaving the country on grounds that Russia planned to exploit a planned meeting with Hungary’s prime minister to hurt Ukrainian interests.

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Poroshenko’s political party, European Solidarity, said the former president had scheduled only meetings in Poland and the United States and warned the SBU security service against becoming involved in politics.

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Poroshenko was turned away at a border post on Friday.

The SBU said he had planned to meet Hungarian Prime Minister Viktor Orban, who maintains ties with Kremlin leader Vladimir Putin and opposes opening talks on European Union membership with Ukraine.

An SBU statement said Russia was preparing a series of “provocations” to discredit Ukraine among its foreign allies as the war against Russia stretches beyond 21 months.

It provided no evidence to support the allegations.

Of the possible meeting with Orban, the SBU said: “Russia planned to use this meeting (like other ‘working meetings with … representative of countries voicing pro-Russian narratives) in psychological operations against Ukraine.”

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The SBU said Orban “systematically holds an anti-Ukrainian position”, was a “friend of Putin” and sought the removal of sanctions imposed on Moscow over its invasion of Ukraine.

Orban, who is open about his friendly ties with Putin, opposes the start of EU membership talks with Ukraine, to be considered at the bloc’s forthcoming summit. He called this week for the creation instead of a “strategic partnership” with Kyiv.

Orban has frequently been at odds with Zelenskiy on several issues related to Ukraine’s EU membership bid. European Solidarity, in its statement, called for dialogue with Orban who, it said, had a veto right over accession talks.

Under martial law, Ukrainian officials must secure approval to travel abroad. Parliament’s deputy speaker, Oleksandr Korniyenko, said Poroshenko’s permission had been cancelled after he had received a letter, which he could not comment on.

Read moreUkraine accuses Russia of poisoning military intelligence chief’s wife

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Zelenskiy’s office has made no comment and Orban’s office did not immediately respond to a request for comment.

Poroshenko, president from 2014 to 2019, accused Zelenskiy’s administration on Friday of cancelling the permission and playing politics ahead of elections.

The dispute comes amid slowly growing tensions between government and opposition – mostly over internal matters such as budgets and appointments – in contrast to the near-total unity at the start of the conflict.

Zelenskiy and Poroshenko fought a bitter, often deeply personal battle in the 2019 presidential election, when Zelenskiy defeated the incumbent Poroshenko in a landslide.

Zelenskiy said last month that it was “not the time” to hold a presidential election, which under normal circumstances would be scheduled for March 2024 but is prohibited under martial law.

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(REUTERS)

Read moreThe Dnipro River, a new key front line for Ukraine’s counteroffensive against Russia

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Newcastle vs Man United – Premier League: Live score, team news and updates as Erik ten Hag keeps faith in Andre Onana while Kobbie Mainoo is trusted in midfield

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United trying to counter-attack (0-0)

That’s a lot better from Rashford as he wins a race to the ball and tries to play through Garnacho who is outmuscled during a challenge. United have a free kick in a decent position.

Rashford just can’t get going (0-0)

Marcus Rashford is struggling so far with nothing seeming to work for the England international. He is being marshalled out of the game by Newcastle’s defenders so far but keeps trying to find a way through.

Good tracking back by Fernandes (0-0)

Newcastle break and have a 3v3 against United’s defence and it’s Fernandes to the rescue as he makes a crucial interception. That was very much required.

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Huge save by Onana denies Almiron (0-0)

Onana gets down well to react to Almiron’s shot and is helped out by his defenders who clear the remaining danger. That will give him some confidence while the Newcastle fans boo.

Great defending from Luke Shaw (0-0)

Shaw has to deal with Isak who shows quick-feet in the box, but the United defender wins the duel.

United beginning to find their feet (0-0)

It’s better from the visitors as United work the ball around the edge of the box well through Garnacho and Fernandes, with Wan-Bissaka also attempting a shot from range. Good game developing.

Garnacho forces a save from Pope (0-0)

Fernandes plays a beautiful ball for Garnacho to chase and he does just that before firing a shot on target that Pope saves well with his feet.

Dalot almost scores an own goal (0-0)

What is going on there from Diogo Dalot as he looks to pass back to Onana but kicks it up against his arm with the ball then heading towards goal before he clears at the second time of asking. This start won’t being giving United supporters much confidence.

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Almiron creating early problems (0-0)

Newcastle’s passing has been supremely accurate so far and Miguel Almiron is making a nuisance of himself that United are struggling to deal with Wan-Bissaka erratically clears a cross while Luke Shaw isn’t looking comfortable at centre-back so far.

Newcastle are knocking at the door (0-0)

Livramento wins Newcastle their first corner of the match after skinning Marcus Rashford on the wing before seeing his cross cleared behind by Scott McTominay. The set-piece delivery is good, Onana flaps at it and Dalot eventually clears.

United defending nervously (0-0)

The hosts are continuing to work the ball around the pitch well and United’s defence is struggling to cope. It’s a bit last-ditch from the likes of Diogo Dalot, but there is space to counter-attack.

Newcastle looking to build pressure (0-0)

Newcastle are trying to get everyone a touch on the ball as they work around both halves in the opening exchanges. United’s defence has to be alert to the early ball in behind.

KICK OFF: Newcastle get us underway (0-0)

We’re underway in the north east!

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Here come the players!

The teams are ready to go and are walking out into what is an electric St James’ Park, the early task for United is to make sure they don’t let Newcastle get off to a start that further boosts this wild home support.

Kick-off is just moments away and we will be bringing you all the key moments from the match.

The teenagers taking centre stage

There are so many narratives to go over heading into tongiht’s game, and what a moment this is for two teenagers, Newcastle’s Lewis Miley and Man United’s Kobbie Mainoo.

17-year-old Miley is making his fourth consecutive start for Eddie Howe’s side having impressend in recent performances, while Mainoo is making just his second Premier League start.

This will be a huge midfield battle to keep an eye on, both probably met each other in academy matches and now they are doing it in the English top-flight. This game can be won or lost in midfield and both with bee pivotal to their team’s success tonight.

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PARIS, FRANCE - NOVEMBER 28:  Lewis Miley of Newcastle United during the UEFA Champions League match between Paris Saint-Germain and Newcastle United FC at Parc des Princes on November 28, 2023 in Paris, France. (Photo by Marc Atkins/Getty Images)
NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Marcus Rashford, Scott McTominay, Kobbie Mainoo of Manchester United warms up ahead of the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by Matthew Peters/Manchester United via Getty Images)

Erik ten Hag expects ‘different’ Newcastle test

Erik ten Hag has just been speaking pre-match and explained Newcastle will provide his Man United side with a ‘different’ test than what they experienced midweek in the Champions League.

Victory for his team today would be a huge welcome boost to travelling supporters and he’s decided to start Luke Shaw at centre-back tonight in a tactical adjustment.

‘It’s a different game when you play Premier League and especially Newcastle. We have to adjust and we will do,’ Ten Hag told TNT Sports.

‘It’s a tactical change [Shaw] but also rotation part of it, we have to load the management of all players but for Luke at centre-half he has to run less.’

NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Manchester United manager Erik ten Hag is seen prior to the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by MB Media/Getty Images)

Tonight’s post-game permutations

Neither of tonight’s teams will be able to force their way into the Premier League’s top four with three points tonight, but they can move very close!

United are currently sixth in the league standings with 24 points while Newcastle are a point and position worse off.

A win for the home side would see them leapfrog Erik ten Hag’s side and into fifth, while the visitors can move just a point shy of Spurs and only six adrift of leaders Arsenal.

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It’s tight at the top and both teams are desperate to get there.

NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Bruno Guimaraes of Newcastle United is seen prior to the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by MB Media/Getty Images)
NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Antony of Manchester United is seen prior to the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by MB Media/Getty Images)

Anthony Gordon insists Newcastle won’t harness a ‘victim mindset’

Newcastle supporters might still be irked from their midweek Champions League draw against PSG that saw them denied a famous win via a late penalty that was awarded by VAR.

The former Everton forward explained Newcastle feel good heading into tonight’s clash and explained there is no grieving over their performance in Europe.

‘I think we feel quite well and can take pride in how we performed. We deserved to win and don’t want to have a victim mindset when things go wrong,’ Gordon told TNT Sports.

Newcastle United's Anthony Gordon arrives at the ground ahead of the Premier League match at St. James' Park, Newcastle. Picture date: Saturday December 2, 2023. PA Photo. See PA story SOCCER Newcastle. Photo credit should read: Owen Humphreys/PA WireRESTRICTIONS: EDITORIAL USE ONLY No use with unauthorised audio, video, data, fixture lists, club/league logos or

ICYMI: England, Scotland and Wales find out Euro 2024 opponents

There was the small-matter of the group draw for next year’s European Championship in Germany prior to tonight’s Premier League clash, with England, Scotland and Wales finding out who they will face first.

READ THE FULL STORY BELOW

Stern-faced United ready for Newcastle test

There were very few smiles amongst United’s ranks as they arrived at the stadium and you wonder what type of reaction they will produce after their erroneous midweek trip to Turkey.

Fortunately, United’s Premier League form has been tight, but Newcastle away is one of the toughest tests in the top-flight.

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Ten Hag keeps faith in Andre Onana

He backed him in Friday’s pre-match press conference and has followed up his words of encouragment with action as Erik ten Hag picks Andre Onana to start tonight.

The United goalkeeper is under pressure after a midweek howler in the Champions League, but is strangely also one of the top three performing keepers in the Premier League by recent statistics.

Onana will need to be at his best tonight against a fearsome Newcastle attack and you feel anymore errors could give Ten Hag a seriously tough choice to make over whether he is the club’s best shot-stopper.

NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Andre Onana of Manchester United arrives ahead of the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by Matthew Peters/Manchester United via Getty Images)
File photo dated 01-11-2023 of Andre Onana. Manchester United boss Erik ten Hag has defended under-fire Andre Onana and insisted the Cameroon international is among the best goalkeepers in the Premier League. Issue date: Friday December 1, 2023. PA Photo. See PA story SOCCER Man Utd. Photo credit should read Martin Rickett/PA Wire.

MANCHESTER UNITED TEAM NEWS

Kobbie Mainoo starts his second consecutive Premier League start in midfield for Manchester United after starring in their impressive 3-0 win over Everton last weekend.

Anthony Martial is a surprise start in attack with Rasmus Hojlund instead placed on the bench by Erik ten Hag.

Alejandro Garnacho keeps his place on the left-wing for United having scored twice in his last two appearances including a wondergoal against Everton, meaning Marcus Rashford is likely to start on the right-wing for United.

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NEWCASTLE TEAM NEWS

Newcastle manager Eddie Howe names and unhanged team from the side that started in last week’s 4-1 win over Chelsea at St James’ Park.

Here come the visitors

They had to take the long route to get to Newcastle after United’s plane was cancelled and onto the coaches it was, but Erik ten Hag’s side have arrived.

Ten Hag was al smiles as he walked down into the away dressing room at St James’ Park, while there were more steely expressions etched across the faces of Andre Onana, Rasmus Hojlund and Diogo Dalot.

Team news coming shortly.

Soccer Football - Premier League - Newcastle United v Manchester United - St James' Park, Newcastle, Britain - December 2, 2023 Manchester United's Andre Onana arrives at the stadium before the match Action Images via Reuters/Lee Smith NO USE WITH UNAUTHORIZED AUDIO, VIDEO, DATA, FIXTURE LISTS, CLUB/LEAGUE LOGOS OR 'LIVE' SERVICES. ONLINE IN-MATCH USE LIMITED TO 45 IMAGES, NO VIDEO EMULATION. NO USE IN BETTING, GAMES OR SINGLE CLUB/LEAGUE/PLAYER PUBLICATIONS.
Soccer Football - Premier League - Newcastle United v Manchester United - St James' Park, Newcastle, Britain - December 2, 2023 Manchester United manager Erik ten Hag arrives at the stadium before the match Action Images via Reuters/Lee Smith NO USE WITH UNAUTHORIZED AUDIO, VIDEO, DATA, FIXTURE LISTS, CLUB/LEAGUE LOGOS OR 'LIVE' SERVICES. ONLINE IN-MATCH USE LIMITED TO 45 IMAGES, NO VIDEO EMULATION. NO USE IN BETTING, GAMES OR SINGLE CLUB/LEAGUE/PLAYER PUBLICATIONS.
NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Diogo Dalot of Manchester United arrives ahead of the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by Matthew Peters/Manchester United via Getty Images)
NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Rasmus Hojlund of Manchester United arrives ahead of the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by Matthew Peters/Manchester United via Getty Images)

Newcastle players arrive at St James’ Park

It’s going to get noisy in Newcastle tonight as we edge closer to kick off and home players have arrived at St James’ Park.

The hosts are just a single point adrift of United in the Premier League standings and you sense the home advantage could be a huge deciding factor tonight.

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Erik ten Hag’s side have crumbled here before and they will have to find a way to not do so again.

NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Bruno Guimaraes of Newcastle United (39) arrives for the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by Serena Taylor/Newcastle United via Getty Images)
NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Emil Krafth of Newcastle United (17) arrives for the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by Serena Taylor/Newcastle United via Getty Images)
NEWCASTLE UPON TYNE, ENGLAND - DECEMBER 02: Tino Livramento of Newcastle United (21) arrives for the Premier League match between Newcastle United and Manchester United at St. James Park on December 02, 2023 in Newcastle upon Tyne, England. (Photo by Serena Taylor/Newcastle United via Getty Images)

Early team news

Tonight’s starting teams will be with us in around 15 minutes time, but we have some early selection regarding injuries and the players that are unavailable for tonight’s match.

Newcastle midfielder Sean Longstaff remains out with an ankle injury while forward Joe Willock is also unavailable but showing good signs of recovery from his injury.

Meanwhile, Lewis Hall is available for selection having missed last weekend’s win against his parent club Chelsea.

Marcus Rashford is available after serving a one-game suspension in the Champions League, but Mason Mount, Lisandro Martinez, Casemiro and Christian Eriksen remain out.

2.12.23......A nightmare start to Saturday for Manchester United as their 11.00am flight to Newcastle is cancelled due to weather and technical problems. The team arrived to drop their cars off at Manchester Airport from 10.00am but were told they were driving to Newcastle on two coached which will take over 3 hours.......Marcus Rashford.

Good evening and welcome to St James’ Park

Good evening and thanks for joining us for tonight’s Saturday evening Premier League encounter between Newcastle and Manchester United.

It’s cold and windy in the north east and the visitors have previously struggled at St James’ Park, tonight could be another difficult away trip as they travel further north while still reeling from a midweek draw in Turkey that left their Champions League ambitions in tatters.

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Kick off is at 8pm and we have plenty to get through before then.

Newcastle United's Bruno Guimaraes (left) and Joelinton arrive at the ground ahead of the Premier League match at St. James' Park, Newcastle. Picture date: Saturday December 2, 2023. PA Photo. See PA story SOCCER Newcastle. Photo credit should read: Owen Humphreys/PA WireRESTRICTIONS: EDITORIAL USE ONLY No use with unauthorised audio, video, data, fixture lists, club/league logos or
Soccer Football - Premier League - Newcastle United v Manchester United - St James' Park, Newcastle, Britain - December 2, 2023 General view outside the stadium before the match Action Images via Reuters/Lee Smith NO USE WITH UNAUTHORIZED AUDIO, VIDEO, DATA, FIXTURE LISTS, CLUB/LEAGUE LOGOS OR 'LIVE' SERVICES. ONLINE IN-MATCH USE LIMITED TO 45 IMAGES, NO VIDEO EMULATION. NO USE IN BETTING, GAMES OR SINGLE CLUB/LEAGUE/PLAYER PUBLICATIONS.
Erik ten HagPremier League

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Why I want to meet my dad, Ian Huntley: It was the horrific crime that left Britain reeling – two 10-year-old friends Holly and Jessica abducted and murdered by their school caretaker… and now his daughter has made a remarkable request

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Meeting your father for the first time in adulthood would be, for anyone, fraught with anxieties and uncertainties.

Will I like him? Will he like me? Will he reject me? The questions are legion.

To Samantha Bryan, however, these considerations matter not. As she revealed in an interview with The Mail on Sunday seven years ago, Samantha’s biological father is Ian Huntley, whose murder of schoolgirls Holly Wells and Jessica Chapman in Soham, Cambridgeshire in 2002 horrified the nation.

Samantha, 25, has no desire to get to know her father or like him or be liked in return. To her, he is a monster. But today she is explaining why she wants to meet him, just the once. Foremost, because she is seeking answers for the sake of Holly and Jessica’s parents. And also to bury her own demons.

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She is hoping Huntley will finally give her not the deeply harrowing but still-sanitised version of events he served up at his trial, but the truth about what really happened to the ten-year-old friends, whose image, in red Manchester United jerseys, became imprinted on the nation’s consciousness 21 years ago.

Samantha Bryan (pictured) is the daughter of double child killer Ian Huntley. She has made the remarkable request to meet him to find out what really happened to Holly Wells and Jessica Chapman

Samantha Bryan (pictured) is the daughter of double child killer Ian Huntley. She has made the remarkable request to meet him to find out what really happened to Holly Wells and Jessica Chapman

Samantha Bryan (pictured) is the daughter of double child killer Ian Huntley. She has made the remarkable request to meet him to find out what really happened to Holly Wells and Jessica Chapman

Holly Wells (right) and Jessica Chapman (left), both 10, were killed by Huntley in 2002 in a double murder which horrified the nation

Holly Wells (right) and Jessica Chapman (left), both 10, were killed by Huntley in 2002 in a double murder which horrified the nation

Holly Wells (right) and Jessica Chapman (left), both 10, were killed by Huntley in 2002 in a double murder which horrified the nation

Samantha's mother Katie (pictured with Huntley) had left Huntley while still pregnant with her daughter, after being subjected to an appalling catalogue of abuse

Samantha's mother Katie (pictured with Huntley) had left Huntley while still pregnant with her daughter, after being subjected to an appalling catalogue of abuse

Samantha’s mother Katie (pictured with Huntley) had left Huntley while still pregnant with her daughter, after being subjected to an appalling catalogue of abuse 

She has written a powerful letter to her father at HMP Frankland in Durham, where he is midway through a 40-year sentence. ‘If my existence means anything to you, I’m pleading with you to finally reveal the whole truth about the murders of Holly Wells and Jessica Chapman,’ she told him. ‘It’s time that everyone was given some peace and closure.’

In court, Huntley, now 49, said both girls died accidentally, claiming Holly drowned in his bath and that he inadvertently suffocated Jessica while trying to stifle her screams. But in 2018 he confessed to deliberately killing Jessica to stop her from raising the alarm. He still insists Holly’s death was an accident.

In her mind’s eye, Samantha has already conjured up their encounter: entering the room, pulling up a chair, registering his every facial movement, hearing his voice, studying his hands – the hands that ended the lives of two children. It makes her feel sick. Steeling herself, she knows she will have to draw deeply on her reserves of courage. She hopes he will too.

Time, she feels, is against her. She fears he may take his secrets to the grave after suffering health problems and being subject to violent attacks in jail. He has also attempted suicide.

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‘I’m begging him to find the courage to finally tell the truth,’ she says. ‘I have asked to meet face-to-face so he can tell me in his own words.’

She first discovered that Huntley was her father when she was 14 – by an extraordinary quirk of chance. She was asked to work on a school project on murderers – she was given Huntley to research – and it was while looking online that she saw an image of herself.

She said: ‘I clicked on it and recognised the dress I was wearing and remembered that day. The story said I was Ian Huntley’s daughter. It was like being thumped in the chest. I began to shake, I couldn’t stop the tears. I ran out of class, home to my mother and she confirmed it was the truth. But she told me she would never let him harm me and he would never get out.’

Huntley is midway through a 40-year sentence at HMP Frankland in Durham. Here, he is pictured being interviewed by police in August 2002 after the girls went missing

Huntley is midway through a 40-year sentence at HMP Frankland in Durham. Here, he is pictured being interviewed by police in August 2002 after the girls went missing

Huntley is midway through a 40-year sentence at HMP Frankland in Durham. Here, he is pictured being interviewed by police in August 2002 after the girls went missing

Huntley is pictured sitting his his car outside his home on August 8, 2002. He used the car to go and hide their bodies near RAF Lakenheath in Suffolk, six miles away, and later returned to set fire to them

Huntley is pictured sitting his his car outside his home on August 8, 2002. He used the car to go and hide their bodies near RAF Lakenheath in Suffolk, six miles away, and later returned to set fire to them

Huntley is pictured sitting his his car outside his home on August 8, 2002. He used the car to go and hide their bodies near RAF Lakenheath in Suffolk, six miles away, and later returned to set fire to them

Even more distressing was learning of how Huntley subjected her mother Katie – who fell pregnant with Samantha aged just 15 – to terrifying violence before making her pregnant. They split when Samantha was born and she remarried.

Since her discovery, nearly every aspect of Samantha’s life has been poisoned by the Soham murders.

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‘I’ve undergone counselling and it has impacted everything from my jobs to relationships,’ she says. ‘I have suffered constant nightmares. People still stop me in the street and say, “Your father is a monster” or “I know who your dad is”, so by meeting him I have nothing to lose.

‘The main comment that I used to get was, “the apple doesn’t fall far from the tree” which has always cut very deeply because I am the absolute opposite. When I was younger I worried that everyone would think that and I would become isolated. Even with relationships, I’ve had people leave me and make comments about him [Huntley] and my connection to him. It was hard.

‘From the moment I discovered the connection he has become a bogeyman, like the Yorkshire Ripper or Fred West.’

Samantha, who is single, lives in Cleethorpes, Lincolnshire, and is training to be an administrator. She says she wants to ‘know for myself’ if her father feels any remorse. ‘I want him to tell the truth, so I can pass that on to the families of Holly and Jessica as they are very much on my mind.

Samantha (pictured) says she wants to 'know for myself' if her father feels any remorse for what he did to the girls

Samantha (pictured) says she wants to 'know for myself' if her father feels any remorse for what he did to the girls

Samantha (pictured) says she wants to ‘know for myself’ if her father feels any remorse for what he did to the girls

School caretaker Ian Huntley (pictured), 45, was sentenced to two life terms over the murders

School caretaker Ian Huntley (pictured), 45, was sentenced to two life terms over the murders

School caretaker Ian Huntley (pictured), 45, was sentenced to two life terms over the murders

‘Knowing their families have never been given the truth causes me profound sadness, I think about it far more than I should.

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‘I hope that he will find it within his heart to open up. I want to know what he’d say when I sit in front of him, to be given that chance.

‘Nothing can ever change what has happened. I cannot think in terms of forgiveness. How can anyone forgive him?’

How much solace a full and frank confession would bring the parents of the two girls is hard to gauge. In a 2003 interview with the MoS, Holly’s parents Kevin and Nicola Wells said his cowardly refusal to tell the truth had left them in a never-ending torment of uncertainty as to what really happened in their daughter’s final minutes. They had many questions, the kind which – unanswered – can eat away at one’s soul.

‘Did he try to imprison one or both?’ said Kevin. ‘Did he sexually assault one and cause a scuffle: both Holly and Jessica would have gone to the other’s rescue – they were fierce and confident little girls.’

At the time Kevin reached this conclusion: ‘All these things we can never know because only one person is sure and I will never, ever believe a word that cold, calculating pervert utters. He took our daughter from us and lied and lied and lied.’

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Huntley (left) was convicted of the murders after pleading not guilty. His girlfriend at the time Maxine Carr (right) gave him a false alibi. She was sentenced to three-and-a-half years' jail for perverting the course of justice and issued with a new identity on release

Huntley (left) was convicted of the murders after pleading not guilty. His girlfriend at the time Maxine Carr (right) gave him a false alibi. She was sentenced to three-and-a-half years' jail for perverting the course of justice and issued with a new identity on release

Huntley (left) was convicted of the murders after pleading not guilty. His girlfriend at the time Maxine Carr (right) gave him a false alibi. She was sentenced to three-and-a-half years’ jail for perverting the course of justice and issued with a new identity on release

Samantha was just four years old when Huntley killed Holly and Jessica. They had been at a family barbecue at Holly’s home on August 4, 2002, wearing matching football shirts, before walking to a nearby shop for sweets. Then they vanished.

For 13 days their frantic parents prayed and police launched one of the biggest inquiries ever mounted. Thousands searched for the girls and Soham became a sombre, haunted town.

Throughout, Huntley, a caretaker at the girls’ school, and his partner, their teaching assistant Maxine Carr, gave endless media interviews appealing for the safe return of ‘two of the brightest, loveliest little girls in the world’.

Carr even showed off an end-of-term card the girls had sent her, covered in loving comments and kisses. A wan-faced Huntley befriended the media because he had a sinister motive: his need to know the details of the police inquiry. For the truth was that he had lured the girls into the home he shared with Carr, as they passed by. He has never fully revealed what took place there, but within an hour both girls were dead.

Then he hid their bodies near RAF Lakenheath in Suffolk, six miles away, and later returned to set fire to them. Huntley was convicted of the murders after pleading not guilty. Carr gave him a false alibi. She was sentenced to three-and-a-half years’ jail for perverting the course of justice and issued with a new identity on release.

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Huntley will not be considered for release until he is 71. He is undoubtedly a target. In 2008 armed robber Damien Fowkes slashed his throat in Frankland, putting him in hospital, three years after murderer Mark Hobson threw boiling water over him in Wakefield Prison.

Samantha says: ‘I worry often that something will happen to him and no one will ever have closure.’

Huntley was 23 when he seduced Katie, then a schoolgirl in Grimsby. The relationship quickly turned abusive. Huntley raped her, forced her to eat cat food, chopped off her hair and threw her down the stairs when she was pregnant. As a baby, Samantha needed emergency open heart surgery – and her family have always blamed Huntley.

Sammy with her mother Katie who was raped by Huntley when she was 15-years-old

Sammy with her mother Katie who was raped by Huntley when she was 15-years-old

Sammy with her mother Katie who was raped by Huntley when she was 15-years-old

She says: ‘Sometimes, when I look at my scar, I think of what my mother went through. She told me I saved her, being pregnant with me gave her the strength to break free.

‘She said he did terrible, unspeakable things to her. I want him to say sorry – not that an apology will ever be enough – but to know there is some remorse means something.’

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As well as securing answers for Holly and Jessica’s families, Samantha hopes meeting her father will assuage her own demons.

She says: ‘For years I’ve been haunted by the fear that a faceless monster would clamber through my bedroom window in the middle of the night or that he’d come and find me, or try to kill me when I was all alone.

‘My most recent nightmare was on Friday night. It was really detailed. His face is usually quite blurry, but this time it was vivid.

‘I’ve never heard his voice but in my dream he was shouting. He was trying to break into my nanna’s house. I woke up and I felt really sick. I thought: ‘I hope to god he never gets out.’ She adds: ‘I don’t feel like I have fully processed what has happened. I hope that by sitting in front of him it might enable me to let go of the nightmares and move forward with my life.’

Floral tributes left at a church in Soham after the bodies of schoolgirls Jessica Chapman and Holly Wells were discovered

Floral tributes left at a church in Soham after the bodies of schoolgirls Jessica Chapman and Holly Wells were discovered

Floral tributes left at a church in Soham after the bodies of schoolgirls Jessica Chapman and Holly Wells were discovered

She is quick to stress that her own pain in no way compares to the ‘unimaginable agony’ endured by Holly and Jessica’s parents. ‘He has now reached halfway through his sentences, but Holly and Jessica were robbed of their future and so were their families.

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‘I don’t think he should ever be freed. But even so, he should do the right thing. It can just bring a little bit of peace to all of those who have the agony of wondering what happened every day.’

To this day, Samantha’s family keeps a brown cardboard box of newspaper clippings from Huntley’s arrest and trial.

When Samantha turned 18, her mother decided she needed to know the full story. She recalls: ‘My mum called me up to her bedroom, motioning for me to sit next to her on her bed. She handed me the box which was taped shut and said, ‘Sammy, this is what I call the box of nightmares. I’ve kept all of this as I knew that one day you would need to know everything. The only way I’ve been able to deal with it is to try as hard as I could to shut all memories of him away.’

‘Inside were all the neatly-folded newspaper clippings, reporting every horrific detail of Huntley’s crimes and what he did to my mum.

‘I read them all. I cried until I couldn’t cry any more. Then I put the lid back on the box, taped it shut and put it back under her bed.

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‘Nowadays I try not to read stuff about him, or I turn over if it’s on the TV.

‘One day I may become a mother myself – and I want to be able to tell my daughter that while there is a monster in the family, he did meet me and did tell the truth and express deep remorse.

‘Perhaps expecting that to happen is a futile dream but it’s one that I’m willing to try.’

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France to face Netherlands, Austria, play-off winner in Euro 2024 competition

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France and the Netherlands will face each other again in the Euro 2024 in Munich, following the draw on Saturday, after coming through the qualifying campaign in the same group, drawn in Group D alongside Austria and the winner of playoff A. Hosts Germany will face Scotland in the opening match, while defending Champions Italy have been drawn in the same group as Spain.

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The Germans, three-times winners, will kick off the one-month tournament in Munich on June 14, with the final on July 14 in Berlin’s Olympic stadium.

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The draw was held at the Elbphilharmonie concert hall in Hamburg, one of the 10 host cities of the tournament.

Germany will also face Hungary and Switzerland in Group A.

Italy face a tough task in defending their title, drawn in Group B where they will face Spain, Croatia and Albania. Italy defeated Spain on penalties in the semi-final on their way to winning Euro 2020, but lost 4-0 to the Spanish in the 2012 final. Croatia reached the semi-final stage of the last World Cup.

France and the Netherlands will meet again after coming through the qualifying in the same group, drawn in Group D alongside Austria and the winners of playoff A. France, who won both games against the Dutch on their way to topping the qualifying group, kick off their Euro 2024 campaign against Austria in Duesseldorf.

The Netherlands must wait for the playoffs in March to find out who their opening opponents will be – Poland, Wales, Finland or Estonia.

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England, runners-up at Euro 2020, are in Group C alongside Denmark, Slovenia and Serbia. England, who needed extra time to see off Denmark in the 2020 semi-finals, start the tournament against Serbia.

In Group E, Belgium face Romania, Slovakia and the winners of playoff B, Israel, Bosnia, Ukraine or Iceland.

Portugal are in Group F, alongside Turkey, Czech Republic and the playoff C winners, one of Georgia, Greece, Kazakhstan or Luxembourg, who finished third in Portugal’s qualifying group.

The top two in each of the six Euro 2024 groups proceed to the round of 16 along with the four best third-placed finishers.

Unexplained noises

The draw ceremony for the European Championship in men’s soccer was disrupted by unexplained noises that competed for attention with the team names being read out on stage on Saturday.

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The interruption, which seemed to sound like sexual noises, was clearly heard for several minutes on the ceremony broadcast from a concert hall in Hamburg.

UEFA director of competitions Giorgio Marchetti noted the noise in his commentary before continuing with the draw for the last six places for lower-ranked teams in the 24-nation tournament lineup. The sound continued sporadically until the draw was completed.

Similar noises disrupted a BBC live broadcast of an English soccer game in January between Wolverhampton and Liverpool. It turned out to be a prank use of a mobile phone next to the studio.

Euro 2024 is being played in 10 Germany cities from June 14 to July 14.


Full draw for Euro 2024, made in Hamburg on Saturday:

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  • Group A: Germany, Scotland, Hungary, Switzerland
  • Group B: Spain, Croatia, Italy, Albania
  • Group C: Slovenia, Denmark, Serbia, England
  • Group D: Play-off winner A, Netherlands, Austria, France
  • Group E: Belgium, Slovakia, Romania, Play-off winner B
  • Group F: Turkey, Play-off winner C, Portugal, Czech Republic

     

  • Teams in Play-off Path A: Poland, Estonia, Wales, Finland
  • Teams in Play-off Path B: Israel, Iceland, Bosnia and Herzegovina, Ukraine
  • Teams in Play-off Path C: Georgia, Luxembourg, Greece, Kazakhstan

(FRANCE 24 with Reuters & AP)

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I’m a professional hacker – and these are the 5 things that would allow me to crack into your smartphone within SECONDS

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Many of us would feel lost without our smartphones in hand – but what if that same device became a tool for criminals?

Kieran Burge, a security consultant at Prism Infosec, has revealed the five common mistakes that could let him crack into your smartphone within seconds.

As a penetration tester – a legal hacker who tests companies’ cybersecurity to find weaknesses before criminals do – Kieran knows what he’s talking about. 

And he says that simple mistakes such as reusing passwords, clicking on dodgy links and sharing too much information on social media could land you in hot water. 

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So, are you guilty of these security blunders? Read on to find out.  

Kieran Burge, a security consultant at Prism Infosec, has revealed the five common mistakes that could let him crack into your smartphone within seconds

Kieran Burge, a security consultant at Prism Infosec, has revealed the five common mistakes that could let him crack into your smartphone within seconds

Kieran Burge, a security consultant at Prism Infosec, has revealed the five common mistakes that could let him crack into your smartphone within seconds 

As a penetration tester - a legal hacker who tests companies' cybersecurity to find weaknesses before criminals do - Kieran knows what he's talking about

As a penetration tester - a legal hacker who tests companies' cybersecurity to find weaknesses before criminals do - Kieran knows what he's talking about

As a penetration tester – a legal hacker who tests companies’ cybersecurity to find weaknesses before criminals do – Kieran knows what he’s talking about 

1. Using out-of-date software

Keiran told MailOnline that one of the first things he and other hackers look for when preparing an attack is out-of-date software.

‘Out-of-date software is a really big issue because, if the software has been updated, it’s probably because there is a security issue’, he explained. 

Software, whether it is the operating system of your iPhone or the control system for a factory, often has some sort of vulnerability.

While these can quickly fixed by developers, they are also often shared online through forums and hacker communities. 

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If you haven’t updated your software to include the fix, Keiran explains, ‘people can get in and steal really sensitive information and even sometimes take control of the software.’

Keiran told MailOnline that one of the first things he and other hackers look for when preparing an attack is out-of-date software

Keiran told MailOnline that one of the first things he and other hackers look for when preparing an attack is out-of-date software

Keiran told MailOnline that one of the first things he and other hackers look for when preparing an attack is out-of-date software 

What are some of the most commonly hacked passwords? 

Research by Specops Software has found that easily predicted passwords are still commonly used.

Some of the most frequently compromised are: 

  • research
  • GGGGGGGG
  • Cleopatra 
  • Sym_cskill
  • mcafeeptfcorp
  • minecraft.A.S
  • sym_newhireOEIE 
  • password

The vulnerabilities can take many different forms and allow criminals to cause serious disruption for companies and individuals. 

These attacks are often opportunistic as criminal groups scan online archives for out-of-date versions of software.

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Keiran says the recent crippling hack on the British Library was likely to have been an opportunistic attack of this kind

To keep safe online, Keiran says you should ‘always ensure that your software is up to date.’ 

2. Reusing passwords  

Another common way that hackers get hold of your personal data, according to Keiran, is by exploiting reused passwords.

Keiran told MailOnline: ‘No matter what site you’re giving information to you, you don’t know what they’re going to do with that information or how they’re going to protect it.’

He says that the big risk of re-using passwords is that if even one site you use is compromised, it can give hackers access to all of your accounts. 

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‘As soon as a company is breached there’s usually a big database dump that gets put on the darkweb,’ Keiran said. 

The dark web is an encrypted part of the internet not accessible with normal search engines which is often used to host criminal marketplaces.

In April this year, an international raid brought down a hacker bazaar called Genesis Market which the FBI claims offered access to over 80 million account access credentials. 

Keiran said: ‘There are going to be databases out there with user name and password combinations for your accounts.’ 

‘If you’re reusing passwords then any hacker can take that combination and use it to take control of another company.’ 

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Reusing passwords puts you at risk because your account credentials can be stolen and resold on marketplaces like Genesis Market which the AI took down earlier this year

Reusing passwords puts you at risk because your account credentials can be stolen and resold on marketplaces like Genesis Market which the AI took down earlier this year

Reusing passwords puts you at risk because your account credentials can be stolen and resold on marketplaces like Genesis Market which the AI took down earlier this year

3. Giving out too much information online

‘On a personal level, for someone in their day-to-day activities one of the most important things that people need to think about is how much information they’re sharing online,’ Keiran said.

In ‘red teaming’ – a cybersecurity term for testing the defences of a company – one of the first places Keiran and his team look is social media. 

‘We can do almost anything to get into a company, but one of the tools we use is harvesting data from social media,’ Keiran explained.

‘We scour social media sites like LinkedIn to see what we can find.’ 

Not only might this reveal usernames which can be linked to stolen account credentials, but it also opens the door to a whole range of other attacks. 

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One of the most insidious attacks that this exposes you to is a technique called ‘sim swapping’ or ‘sim-jacking’.  

Keiran explains that hackers will search the web for information such as your date of birth, address, and even the answers to common security questions like your mother’s maiden name.

‘Once you have all that information you can use social engineering techniques to ring up their mobile provider and convince them to transfer the mobile number to a new sim,’ he said.

Now, whenever a text or call would go to the victim’s phone it instead goes straight to the attackers.

‘Once they have that you suddenly have access to all the multi-factor authentication sites that the person is signed up to,’ he added.

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This could include work email accounts, online shopping accounts, and even online banking. 

‘Everything you put up online you no longer have control over, and if you’re unlucky and all that information links up then you can get your identity partly stolen,’ Keiran warned. 

Giving away too much information online can leave you at risk of Sim-Jacking attacks in which hackers transfer your phone number to a new sim to intercept your calls and messages (stock image)

Giving away too much information online can leave you at risk of Sim-Jacking attacks in which hackers transfer your phone number to a new sim to intercept your calls and messages (stock image)

Giving away too much information online can leave you at risk of Sim-Jacking attacks in which hackers transfer your phone number to a new sim to intercept your calls and messages (stock image)

4. Connecting to unprotected public networks  

‘In the last few years something that’s become a lot more important is remote working,’ Keiran said. 

‘A big part of that involves people going to cafes like Starbucks and connecting to their public WiFi.’

The problem is that these kinds of public networks use a type of system called ‘open authentication’ to connect your device to the web without having to use identity verification.

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While this makes it easy for you to quickly jump onto the coffee shop WiFi to send a few emails, it also puts you at risk of attacks from cybercriminals. 

Open authentication means that the data you send across the network is not encrypted and can be captured by anybody else on the network. 

‘Someone could be sat outside a public WiFi network and just listening in on what’s being sent,’ Keiran warned.

‘They could be in the cafe or they could be using specialist hardware to increase the range at which they can listen in on the network.

‘They can be hidden a safe distance away then all they have to do is listen and wait.’

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To avoid personal information like banking details being stolen from public WiFi, Keiran recommends that you always use a VPN when in public. 

These services encrypt your data so that any eavesdroppers on the network won’t be able to read what your sending.  

On public WiFi anyone could be listening in on the information you're sending, waiting to steal sensitive information such as bank details and passwords

On public WiFi anyone could be listening in on the information you're sending, waiting to steal sensitive information such as bank details and passwords

On public WiFi anyone could be listening in on the information you’re sending, waiting to steal sensitive information such as bank details and passwords

5. Clicking dodgy links 

Finally, Keiran says that sending dodgy links is still the most common way that people get hacked. 

Phishing scams remain the most prevalent attack in the UK according to the UK’s National Cyber Security Centre (NCSC).

In 2022 alone, 7.1 million malicious emails and URLs were flagged to the NCSC – the equivalent of nearly 20,000 reports a day.

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Keiran explains that hackers will send fake emails and text messages to targets containing links to malicious websites or instructions to download software.

Once one of these links has been clicked, it gives criminals a window to install malware on their victim’s device which can steal data and even take control. 

But as sophisticated as a computer virus might be, hackers still need someone to follow a link to a compromised website or download files containing hidden malware. 

‘You need to be vigilant of anyone that is sending you something when you don’t expect it,’ Kieran concluded.

‘Don’t click on dodgy links, don’t download dodgy files, don’t fall into their trap.’ 

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International

Will Israel repeat its military tactics in southern Gaza?

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Israel resumed its military operation in the Gaza Strip on Friday with heavy bombardments. As strikes continue, the United States is pressuring the Israeli military to exercise restraint, particularly in the south, where nearly 2 million Palestinians are now concentrated. Will it work? 

After the seven-day truce ended on Friday morning, the Israel Defense Forces (IDF) resumed their campaign in Gaza with a scale and intensity reminiscent of the first wave of their response to Hamas’s October 7 attack. Operations are now focused on the southern part of Gaza where hundreds of thousands fled following IDF bombardments in Gaza City and the north of the Strip. 

The US has urged Israel not to repeat the military tactics used during the first weeks of the war. Officials fear missile strikes followed by a ground offensive – the strategy used in the north – will result in too many Palestinian deaths and threaten a wider regional conflict.  

To prevent this outcome, senior Biden administration officials are urging Israel to change its approach. In Tel Aviv on Thursday, US Secretary of State Antony Blinken said that any such offensive must put “a premium on protecting civilians and making sure that humanitarian assistance gets to those who need it”.

White House national security adviser Jake Sullivan told CBS’s Face the Nation that the US has been talking “at length” with Israel to ensure that any “continuing military operations should learn lessons from the north (of the Gaza Strip).”

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President Joe Biden himself reportedly told Israeli Prime Minister Binyamin Netanyahu “that the way Israel operated in northern Gaza, which included a wide assault and three armoured and infantry divisions, can’t be repeated in the southern part of the enclave because of the millions of Palestinians who are there now”, according to Axios, citing anonymous officials in the US administration.

“[The US] is saying that more attention should be paid to potential civilian casualties in the military operation,” says Omri Brinner, a Middle East geopolitics specialist at the International Team for the Study of Security Verona (ITSS), an international collective of experts on international security issues.

Since the start of Israel’s campaign, hundreds of thousands of Gazans have fled the northern part of the enclave to seek refuge in the south, where nearly 2 million people now reside. The United States does not want to see the count of Palestinian civilian casualties soar. (Editor’s note: the Hamas-run health ministry in Gaza, which does not distinguish between civilian and military casualties, says more than 15,200 people have died since the war began.)

Despite US efforts, Israeli rhetoric has not yet moderated. “When we return to fighting, we will apply the same force and more, and we will fight across the whole of the Strip,” said Israeli Minister of Defence Yoav Gallant before the hostilities resumed.

Israel’s actions also appear to contradict American demands. On Friday, Israeli aircraft dropped leaflets in parts of Khan Yunis, the main southern city where Israel believes Hamas’s leadership is based. “The city of Khan Yunis is a dangerous combat zone,” the leaflets read. 

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However, says Brinner, these calls for civilians to leave future combat areas can only have a limited effect. First, the southern Gaza Strip is already too small for the 2 million Palestinians who have found refuge there. “They certainly cannot all take refuge in an even narrower area.” 

Second, Hamas fighters “have perfected the art of blending in with the civilian population and using it as a shield against Israeli soldiers”, says Amnon Aran, a professor of international politics of the Middle East at the City University of London.

“They (Hamas) will do everything to deter [civilians] from leaving,” says Brinner.

American demands incompatible with Israeli objectives

“We now realise that Israel made a major tactical mistake by choosing to advance slowly and steadily from the north to the south, rather than attacking simultaneously in the north, centre, and south of the Gaza Strip,” says Ahron Bregman, a political scientist and specialist in the Israeli-Palestinian conflict at King’s College London. By doing so, the army “contributed to strengthening the human shield formed by the civilian population around Hamas in the south, where the army now wishes to inflict the most damage”.

In addition to this already complicated humanitarian context, “the main Hamas fighting forces are in the south”, says Aran. “Out of the 14 battalions engaged in the war against Israel, 10 are based in this region of the enclave.” 

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Israel sees the US demands as making its goals more complicated. Especially given the specificity of some of the demands. Washington has called for the creation of “de-escalation zones” (specific buildings such as UN facilities, hospitals, or schools) where Israeli soldiers cannot open fire to ensure the safety of the civilian populations inside.

“Hamas is known for using buildings such as hospitals or schools to shelter weapons and fighters. I don’t see how this American demand would be compatible with Israel’s stated military objectives,” says Veronika Poniscjakova, a specialist in the military aspects of the Israeli-Palestinian conflict at the University of Portsmouth in the UK.  

“If the intelligence establishes beyond doubt that Hamas militants are hiding in certain buildings, the Americans should not prevent Israeli strikes,” says Brinner. 

According to the Washington Post, the United States has also called on Israel to “use smaller and more precise munitions” – in other words, to refrain from dropping large explosive charges, as was the case in the north.

Is Israeli victory impossible?

The goal of minimising civilian casualties – commendable in and of itself – is also a way of preventing serious geopolitical repercussions, says Aran. “The population density will be such that the possibilities of a miscalculation during a bombing are multiplied. This also increases the risk of a major incident that could ignite the region, forcing the United States to intervene militarily.” 

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However, the Israeli government may be reluctant to exercise restraint in its aerial campaign. Some parts of the Israeli public would perceive it as “putting the safety of Palestinian civilians above that of Israeli soldiers [who need air support to ensure the safety of their advance],” says Brinner. This is not the kind of message Netanyahu wants to convey.

Israel is walking a fine line. If Washington turns on Israel, Israel risks losing its main support in the UN Security Council and losing its largest weapons supplier. 

In the build-up to the US presidential elections, Israeli leaders will have to be mindful of the repercussions of what is happening in Gaza on the American campaign, says Aran. Biden may be much less patient with Netanyahu if the Israeli military makes him appear complicit in what some of the US electorate perceive as atrocities against Palestinian civilians.

In this context, it is difficult to imagine that Israel will achieve its stated military goal in the Gaza Strip, namely the eradication of Hamas and its military capabilities, says Bregman. “The Israeli military can diminish [their] military capabilities, destroy some weapon-manufacturing facilities and tunnels, but certainly not wipe Hamas off the map permanently.”

“At some point, Netanyahu will surely say that Israel has won, but it will be a meaningless statement … Hamas has already won a victory once on October 7 by striking Israel, and a second time by securing the release of prisoners, earning them some admiration from all Palestinians,” he adds.

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This article has been adapted from the original in French.

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International

What drives you mad about going to the shops? This is Money podcast

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What drives you mad about going to the shops? 

Is it self-service tills, scanning receipts to get out, loyalty scheme dual pricing, or prices being hiked well above inflation?

Many of us want to support bricks and mortar retail, but there are times when shops seem to mainly be involved in testing our patience.

Poll

What’s the most annoying thing at the shops?

  • Self-service tills 29 votes
  • Loyalty scheme prices 22 votes
  • Scanning receipts to get out 3 votes
  • Expensive carrier bags 3 votes
  • Constantly moving things 13 votes
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In a week in which the competition watchdog fired a broadside at the consumer brands giants for pushing up prices, a practice dubbed ‘greedflation’ and sounded a warning to Tesco and Sainsbury’s over Clubcard and Nectar Prices, the This is Money podcast team head down the shops.

Georgie Frost, Lee Boyce and Simon Lambert discuss what’s good, what’s bad and what really gets their goat.

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Plus, will a new online fraud charter make any difference?

The team discuss investing legend Charlie Munger and financial crisis Chancellor Alistair Darling, who both died this week.

And finally, what makes a house price hotspot? We look at the UK’s top 30 this year.

Listen to the This is Money podcast

We publish the podcast every Friday to the player on This is Money, above, and on Apple Podcasts (iTunes), the most popular, Spotify, Audioboom, and so many more.

To download the Apple Podcasts app go to the App store. On Android devices, go to the Google Play store to download the podcast app of your choice. 

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You can press play to listen to this week’s full episode on the player above, and wherever you get your podcasts please subscribe and review us if you like the podcast.

We’re now available on YouTube and you can ask your smart device to ‘play the This is Money podcast’. 

If you’re not happy using apps, you can also listen to the latest episode and archive on the This is Money podcast page. 

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