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Cadbury has hidden new chocolate eggs in shops across the UK – and you could win up to £10,000 if you find one

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CHOCOLATE fans could win up to £10,000 if they find one of the special Cadbury’s Creme Eggs that have been hidden in shops across the UK.

Christmas might have only just finished but retailers are already gearing up for Easter – and Cadbury’s Creme Eggs are back on sale.

Cadbury's has hidden the eggs in shops across the UK

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Cadbury’s has hidden the eggs in shops across the UK

The special egg is made of half white chocolate and half milk chocolate – and it’s full of the classic sugary filling.

Cadbury’s has hidden 146 of the limited edition chocolates across the country, and shoppers could win up to £10,000 if they find one.

You’ve got until Easter Sunday to find a winning egg, which falls on April 17 this year.

There’s a catch, though, as you can only claim your prize if the egg is completely un-eaten.

So next time you buy a Creme Egg, unwrap it carefully to see if you’re one of the lucky winners.

If you find a half-and-half chocolate, resist the urge to take a bite.

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You should call the phone number that is printed on the ticket under the foil covering the chocolate.

Keep this ticket as you’ll need it to prove you’ve won.

On the phone, you’ll be asked a series of verification questions including the unique code on the ticket and where and when you bought it.

Lyndsey Homer, brand manager for Cadbury Creme Egg, said: “When we celebrated our Golden Goobilee last year, we were absolutely blown away by the response to our golden eggs and this year, we wanted to continue that buzz in true Creme Egg fashion.”

Last year, Cadbury’s gave away golden Creme Eggs and winners bagged £5,000 when they found one.

A lucky mum won £5,000 just before Christmas when she found a hidden golden ticket in an Aldi chocolate bar.

The supermarket hid 25 tokens across its UK stores, with a top prize of £10,000 for finding one.

How to make the ‘best’ chocolate orange cake WITHOUT baking & it’s really simple

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Burger King is adding vegan ‘chicken’ nuggets to its menu TOMORROW

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BURGER KING is launching vegan nuggets in a first for UK fast-food chains.

The new meat-free menu item will be available nationwide from tomorrow, January 5, and foodies can grab them in restaurants or order them for delivery.

Burger King is the first fast food chain to launch vegan nuggets in the UK

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Burger King is the first fast food chain to launch vegan nuggets in the UK

The fast food giant has partnered up with The Vegetarian Butcher to create the meat alternative that is certified as 100% vegan by Vegan Society. 

The product is made from soy and plant protein, and mimics the taste and texture of meat.

From tomorrow, you’ll be able to buy six nuggets for £3.29, nine pieces for 3.99, or 20 for £4.99.

Prices may vary depending on location though.

The golden goodies are yet another addition to Burger King’s vegan and plant-based menu.

It already launched the plant-based Rebel Whopper burger in January 2020, and the Vegan Royale burger back in April 2021. 

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But the plant-based Whopper was cooked on the same grill as meat meaning it wasn’t suitable for vegans- only flexitarians or meat-minimalists. 

The new vegan nuggets will swerve cross-contamination issues though, and are suitable for all meat-free diets.

The new addition to the menu comes as Burger King pledges to make its menu 50% meat-free by 2030 in order to reduce greenhouse gas emissions by 41%.

Burger King is not alone in launching a new plant-based option this month.

Asian food chain Wagamama has already made 50% of it’s menu vegan and today added vegan fish and chips.

New dish Tempura F-ish and Bang Bang Yaki-imo is a Japanese inspired take on the British classic, fish and chips.

Domino’s is also set to expand its vegan range from today and has announced the launch of its new vegan friendly, PepperoNAY Pizza.

Also jumping on the vegan bandwagon is Subway, and they are adding two new options to their plant based menu.

The first is the Tastes Like Chicken Tikka sub, a new spice-inspired twist on the original roast-chicken inspired T.L.C.

The second is the Tastes Like Steak sub – a totally new menu option being trialled in 350 stores during Veganuary.

McDonalds last year launched it’s long-awaited McPlant burger while Greggs introduced a vegan festive bake on to its Christmas menu to join it’s much-lauded vegan sausage roll.

You can now get a bottomless pigs in duvets brunch – and it’s vegan!

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Five money saving challenges to save HUNDREDS of pounds this year including the 1p challenge and 52 week challenge

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THE start of a new year is a good time to assess your budget and kick start a new savings habit.

If one of your resolutions for 2022 is to get your finances in order, a simple challenge could help you save some cash.

2022 could be the year that you meet your financial goals

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2022 could be the year that you meet your financial goals

There’s an option for all budgets, as some of the saving tips just ask you to put away pennies.

Others ask you to save larger sums, so make sure you check what you can afford before you kick off.

Different schemes will work best for different people depending on their circumstances – the idea is to make saving money more manageable.

Some of the challenges advise starting on New Year’s Day, but if you’ve left it until now don’t worry.

If you start today, you’ll only be a few days out and you could easily make up the difference.

While it might seem easier to stash small amounts in cash, you should think about whether a savings account would be better suited.

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This is because you won’t earn any interest on savings stored as cash.

We explain how some of the most popular savings challenges work.

1p savings challenge – £670

The 1p savings challenge could help you save up to £670 if you do it for the full year.

You start by saving 1p, then increase the amount you save by 1p each day.

So as day one is 1p, day two means you stash away 2p, and the next day it’s 3p and so on.

By day number 365, you’d be adding £3.65 into the account.

So through autumn and winter, you’d be stashing away roughly the equivalent of the price of a coffee each day.

If you think you could give up your daily caffeine fix – or another equivilant example – you could be on your way to saving hundreds of pounds.

52 week challenge -£1,378

The 52 Week Challenge works by getting participants to put aside £1 for the first week, £2 for the second, £3 for the third and so forth, until the end of the year.

The amounts start small, but towards the end of the year you might find the weekly savings target grows too big.

For example, you’ll have to put away the largest sums around Christmas with a whopping £202 in total required in the final four weeks of the year.

So before you start, consider whether it could be too much of a stretch at an already expensive time of year.

If you can stick to it, though, the pay off is huge as you’ll pocket a whopping £1,378.

365 day challenge – £1,456

If the 52-week challenge seems a little daunting, you might prefer the 365 day challenge.

You’ll set aside £1 on Sunday, £2 on Monday, £3 on Tuesday and so on, all the way up to saving £7 on Saturday – the largest daily amount of the week. 

This should give you a weekly total of £28 saving – adding up to £1,456 over the cost of the year.

100 envelope challenge – £5,000

This is a faster way of saving a large amount of money, but it requires a bigger pot of disposable income.

The ‘100 Envelope Challenge’ can save you £5,000 in just 100 days.

You could even stretch it out over the whole year if your budget allows.

To get started, you’ll need 100 envelopes, each marked 1 to 100.

Place all your envelopes into a box and pick one out each day. Then you should pop the amount of cash it specifies inside the envelop.

For example, if the envelope is marked with 10, you place £10 inside the envelope.

If you stick with the challenge for the full 100 days, you should have saved £5050.

Cash stuffing – varies

Cash stuffing is a budgeting technique that can help people save up.

It’s different from the other challenges as there’s no set target or amount you have to set aside each day.

Instead you should look at your budget and work out how much money you can afford to put towards your savings goals.

Then you pop the cash into envelopes split into different categories such as holidays, eating out and clothes shopping.

The act of saving cash can work well for people who prefer to see their money piling up and avoid spending it.

But you will miss out on gaining interest, so you could consider whether a digital savings pot would work better for you.

This would also keep your money secure, and prevent it getting lost or stolen.

Once you’ve started saving, make sure you keep up the habit by checking out our seven tips to boost your cash pot.

Some easy switches can help you save more than £7,00 this year.

If you need some extra income to help meet your financial goals, there are ways of making money from home such as doing odd jobs or selling things on eBay.

I put away £2 every time in rained in the UK – this is how much I saved

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Why are Nationwide payments delayed?

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NATIONWIDE customers have been left without access to their cash after the bank went down in the morning of January 4.

Hundreds of customers reported issues with the building society’s app, the third time this has happened since Christmas Eve.

Ingoing payments to Nationwide accounts have been temporarily interrupted

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Ingoing payments to Nationwide accounts have been temporarily interruptedCredit: Getty

It follows from two other outages in the span of just two weeks, with customers reporting they were unable to send or receive payments on Christmas Eve and New Year’s Eve.

Last time, the bank announced that customers hit by the blip – especially those charged any late payment fees – would be refunded.

A Nationwide spokesperson said this time the outage took place because of system overheating – with more than 10 million payments sent overnight.

As the building society goes down again, we explain all you need to know about whether you can make payments again – and if they’ll be delayed.

Can I make payments again on Nationwide?

Problems with making payments through Nationwide started at 5am, leaving hundreds of customers unable to use their cards or transfer money.

The building society said on Twitter that “there’s a delay affecting some payments to and from your account this morning” and that they’re “working to fix this ASAP.”

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A few hours later, they tweeted again: “We’re sorry, due to volume of inbound payments today, we have taken the decision to queue those while we resolve the issue.

All payments will be processed as soon as possible.

You can continue to use your cards, access the Internet Bank and Banking App and withdraw cash from ATMs”

Angry customers took to social media to complain about the system failure, frustrated about the frequency of outages in the last few weeks.

One tweeted: “Absolutely appalling, I’m a single parent on limited income. I now have no money for food or utilities. I transferred money at 10.30am still not gone through…..”

Another said: “I cant believe this has happened again what a load of shambles from your part. I would swap banks if I could move my money to another one”

Will I get refunds for missed payments?

Banks do not have a fixed compensation scheme for service disruption, but depending on how big the disruption is, they might offer some money back.

Last week’s issues saw Nationwide promise affected customers a refund on any late payment fees charged to their account because of the crash.

It’s not known yet whether the same will happen for today’s outage.

It is worth gathering evidence of your problems so you can make a formal complaint to Nationwide directly.

Try to make a note of when you were unable to access the website or app, plus any costs you incurred as a result.

If your credit rating has been affected by a service outage, because you got a late payment fee after being unable to make a transaction, for example, you should also keep a record of this.

If you spoke to anyone to try and resolve the problem, make a note of their name and when you spoke to them, as well as roughly what you discussed and what they advised you to do.

In the run-up to Christmas, several other services also went down – including Monzo Bank and Sky Broadband.

I’m a property expert, these 10 tips will keep your house warm in winter WITHOUT breaking the bank

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The 50 surprisingly easy ways to make money from home – from odd jobs to eBay

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IF you’re struggling to make ends meet every month, you could give yourself an easy cash boost by making money without even leaving home.

We’ve come up with 50 ways to earn extra dosh on the side, from boosting your savings to flogging your junk and doing some online odd jobs.

 There are many ways you can earn extra cash on the side

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There are many ways you can earn extra cash on the side

There are plenty of things you can do to earn some extra money on the side, whether you’re unable to work or have a full-time job.

Getting extra cash in your pocket may go a long way for millions of households who are battling against a cost of living crisis.

Soaring energy bills and rising inflation has meant families are paying up to hundreds of pounds more just to get by.

Don’t be put off by the thought of paying more tax when it comes to making a bit more extra cash.

Normally, you’d have to pay tax on any earnings over the personal allowance for basic tax-payers, which is £12,570 for the current tax year running from April 6 2021 to April 5 2022.

But rules brought in back in 2017 means you can make some cash on the side tax-free.

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There’s separate allowances for different money-making ventures, most of which are capped at £1,000.

That means you don’t have to declare your earnings to HMRC unless you earn over this amount.

And you can use several allowances in one year, which means you could potentially earn thousands without having to declare the earnings.

We’ve rounded up the easiest ways to make extra money.

Online tasks for cash

1. Fill out online surveys

You can get paid up to £6 per survey – and it’s a great way to make money, according to both Emma Drew of Emmadrew.info and Francesca Mason of From Pennies to Pounds.

There are lots of sites you can use, but these are the easiest to navigate:  YouGov.co.uk and Prolific.ac.

2. Go mystery shopping

Some brands pay you to shop free of charge, and you can even do it online in some cases.

MoneySavingExpert forum users have put together a comprehensive guide to how you can start mystery shopping which has links to all the different companies.

We previously spoke to one dad who makes a whopping £1,500 a year from filling out online surveys and mystery shopping too.

3. Complete easy tasks

Money-earning website 20Cogs gets you to complete 20 tasks over a period of a few weeks.

One savvy consumer made £180, in just a few short weeks.

They can be things like questionnaires and signing up to offers and all of them can be cancelled at no cost.

4. Test products

Marketing companies, supermarkets and brands regularly send out products to consumers – either to test claims or to spread influence.

Some will just send you free items, but others will even pay you extra to test products on top of getting the items for free.

We’ve put together a guide to becoming a tester and the brands that offer these schemes, including Tesco and Philips.

5. Snap photos of receipts

Some apps will give you cash or Amazon vouchers just for snapping photos of receipts, and it doesn’t matter what you buy.

Receipt Hog will give you points that you can redeem for a £3 voucher once you’ve earned 1,000 of them.

Each receipt is only worth a few points but it quickly adds up if you snap every receipt you get.

It also has surveys that can earn you money.

Shopprize is a similar app that gives you 100 coins for each receipt (and bonus coins when you level up).

When you hit 7,500 coins, you can cash out a £5 Amazon voucher.

6. Snap a photo of a derelict house

This is a good way of making money when you’re out and about.

If you see a derelict house in London or the home counties, you could earn yourself a quick buck.

All you need to do is fill out the address and upload a picture of an abandoned home to the YouSpotProperty website.

If you’re the first to find it, then you’ll win a £20 voucher.

Even better, you get one per cent of the purchase price if YouSpotProperty helps bring the property back into use.

7. Become an Avon seller

Don’t forget about Avon, just because the company’s been around since 1886.

Avon representatives sell beauty products that are provided to them and you can keep 20 per cent of each order.

8. Get paid to watch TV

Theviewers.co.uk puts together research panels for broadcasters and programme makers so that they can get feedback on TV programmes before they hit the box.

You can either attend face-to-face research groups, fill in surveys online or do both.

You can earn between £40 and £70 for a discussion group and it’s usually cash in hand.

9. Clinical trials

Drugs companies are often looking for people to test new medicines on.

You could get paid to take part in clinical trials to help find treatments for ailments such as Crohns Disease.

There is obviously the risk of nasty side effects but companies like Trials4Us can pay £120 for every 24 hours you spend on a trial.

Make free money

10. Get paid for music

Listen to music and SliceThePie will reward up to 10p for every song you listen to and rate.

The more you listen, the more they’ll reward you.

11. Share deals

LatestDeals will hand out vouchers for people who share deals on its website.

You get points which add up to Amazon vouchers for your contributions.

The minimum number of points you have to earn is 5,000 before you get a £5 Amazon voucher in return.

There’s a guide to how many points you can earn for different activities on the LatestDeals.co.uk website.

12. Earning cashback

Just as you’d expect from the name, cashback websites give you cash back when you spend online.

TopCashback and Quidco are two of the most popular and sometimes you can earn hundreds.

When you’re shopping, make sure you click through the websites to get some extra cash.

Both have widgets you can download so you never forget.

They are free to use but there are plus memberships which cost £5 a year and can give you a higher rate of cashback.

13. Surf the web for cash

One way you can earn and surf is by downloading and registering with the Qmee app or browser add on.

It’s works by helping advertises reach targeted users – so the adverts will be more tailored for you. If you click on one of the ads you like, you’ll be paid.

Usually it’s around 7-15p a search but you can earn up to £1. The cash is then paid to you via Paypal.

14. Install an app

With Ipsos Media Cell – consumer data tracking software – you will earn a £20 voucher just by installing an app on your phone.

You also have to fill in a quick survey.

You then get £10 every month that you keep the app installed on your phone.

The app is owned by renowned research company IPSOS Mori.

It’s designed to get more information about how people consumer media, what they watch and listen to and what devices they use.

15. Refer a friend

More and more companies offer “recommend a friend” schemes, where you refer a pal to buy a service and you both get a cash bonus or freebies if they sign up.

One woman revealed that she makes £600 a year just from referrals.

16. Enter competitions

It can’t hurt to try!

Some websites have free competitions where you can win treats, cash or huge prizes, including LatestDeals.co.uk and Magic Freebies.

17. Cashback at the checkout

You can earn cashback when you upload receipts of an item on offer with CheckoutSmart.

Cashback can be as much as 100 per cent of what you paid.

It’s not just for supermarkets either as you can earn with the likes of Superdrug and Boots too.

18. Free postcode lottery

There’s a lottery called Pick My Postcode, which is free to enter and you could win sizeable cash prizes in its daily draws.

You win if your postcode is drawn. It’s not likely you’ll win, but as it’s free, there’s no harm in having a go.

19. Other free lotteries

There are other free lotteries you can play online, too.

Freemoji Lottery is where you choose a combination of your five favourite emojis and check the website to see if you’ve won with prizes in dollars.

Meanwhile Free Birthdate Lottery is when you enter your birthdate into the draw to win. Prizes of up to £50.

Boost your savings

20. Switch and earn 

Some banks offer incentives for you to switch accounts and save with them instead.

For example,  RBS will pay you £175 to switch bank accounts and existing customers can get it too.

If you’re looking to switch accounts, make sure your new bank is offering good overdraft and interest rates.

21. Use apps

Plum is a free chatbot app that uses Facebook Messenger to automate savings for you.

You can also use it to compare bills and switch suppliers too.

22. Get a cashback credit card

Some credit cards will give you cash for spending – but they have to be used with caution.

If you don’t repay your balance in full each month, you’ll start paying interest and that will wipe out most – if not all – of the cashback you’ve earned.

But if you can clear your balance each month, then they could be worth it.

MoneySavingExpert has rounded up the best credit card reward deals currently on the market.

23. Premium bonds

Premium bonds are just like normal savings accounts that let you take money in and out whenever you want – with one key difference.

Instead of interest being paid every month, the money you put into the account works as tickets for a monthly prize draw.

It could earn you anywhere between £25 and £1million, tax-free.

24. Reclaim cash in old bank accounts

Brits have £15billion lying forgotten in old bank accounts, pensions, life assurance and investments.

We’ve put together a guide on how to trace your old accounts and reclaim cash – because after 15 years, the Government could take it.

25. Track down lost pension pots

Save for the future by making sure you haven’t lost any money in a forgotten pension pot.

You will be auto-enrolled into a pension scheme with a new employer if you switch jobs – which means your old pension pot may have been lost.

There are around 1.6million missing pension pots with an average of £13,000 in each – one Brit managed to find his worth £27,000.

26. Activate debit card cashback

Many major banks partner with high street and online retailers to offer cashback when you spend money at certain stores.

Deals change all the time, but it’s worth checking with your bank to see what cashback offers they have.

27. Compare interest rates

Martin Lewis has told consumers to always keep on top of savings and mortgages rates as they can go up and down.

We’ve got a guide on how to find and compare home loans so you can get the best deal.

Sell your skills

28. Transcribe for a fee

Many companies will pay for someone to transcribe audio recordings of conferences or meetings by a set deadline.

You can sign up to global sites like waywithwords.net who will pay $0.40 per audio minute.

It says it’s best transcribers earn up to $1.38 per hour, working out at $82 dollars for an hour’s work – or £61.

29. Start a blog

You can make some serious cash from blogging.

Emma Drew told us she now earns £100,000 a year after struggling to get a job after university just from blogging.

30. Sell your photos

If you’re ever at the right place at the right time, or just take a really good snap, you could make money from your pictures.

Photo agencies such as Alamy and 123rf.com will pay you for your pictures if someone downloads them.

They could be used as stock pictures or in news articles.

31. Do odd jobs

You can make a tidy sum by doing odd jobs on the side for other people by using websites such as TaskRabbit.

An events planner told us he makes £9,000 a year by assembling furniture and doing DIY work for others in his spare time.

32. Use Fiverr

Fiverr matches creatives with one-off projects.

Fees vary depending on the task but users will pay from £5 with the potential for earning more on bigger projects.

33. Or try FiveSquids

Similar to Fiverr, FiveSquids is a website which connects people who need a job done with skilled workers who can do that task from as little as £5.

There’s opportunities to earn up to £20 for an hour’s work.

34. Freelance on the side

Freelancer.com is another website which lets you sell your skills to the highest bidder.

People often hunt for website designers, graphic designers, copywriters and marketing professionals.

35. Sell your crafts

Are you crafty? You could sell your creations online.

Set up an Etsy shop and make items to order.

36. Do household chores

Advertise your services on websites such as Facebook and Fiverr and set up your own household chore side business.

You could set your own fees and take on other people’s chores when you fancy, from ironing to gardening.

37. Set up a Youtube channel

Online video bloggers, or vloggers, such as Zoella have made millions from sharing tips or views on subjects from beauty to sport.

You may not become a millionaire from it but thousands of non-celebs earn extra cash from uploading their clips to the video search engine through the YouTube partner programme.

Use your home to earn

38. Rent out your driveway

You can charge people to use your driveway.

Apps and sites like JustPark connect drivers with a nearby free driveways, and you can decided what times you don’t mind yours being used.

For instance, if you know your car won’t be on the driveway between 9am and 5pm then you can advertise your space.

You can choose how much you charge and get paid straight into your bank or Paypal account.

You can register your driveway for free but bear in mind they’ll take a commission so you’ll need to factor that in.

39. Rent out stuff you don’t use often

You can make easy money by renting out anything from toys to bikes or camera equipment on sites such as Fat Lama where you can set your own prices.

The company will take a 15 per cent cut if someone accepts your offer but it also has an insurance policy to protect your items against loss, theft or damage.

40. Rent out a room

Landlords who rent out rooms to lodgers now have a rent-a-room allowance of £7,500.

Alternatively, you could rent out a room, or even your whole house, on Airbnb.

You can set your own prices, but UK users in London report typically earning almost £3,000 a year through Airbnb.

One woman told us she makes £14,600 a year from renting out a spare room.

Of course, if you make more than £7,500, you’ll have to fill out a tax return and pay tax.

41. Rent out your car

Rental companies such as Easycar match car owners with renters.

The website says average earnings can reach £1,500 while regular users can earn up to £3,000 per year.

For example, you could get paid £128 a month for renting out a Ford Escort for just five days.

42. Store stuff for a fee

All that space in your loft or shed could be gathering money rather than just dust.

Websites such as StoreMates let you list space for free and you can earn up to £40 a month and there is also a 15 per cent service fee for the renter.

Just make sure your home insurance covers you for whatever is being stored.

43. Cook meals for neighbours

You could sell your baked goods or offer to host and cook dishes for people on meal-sharing app EatWith.

You can sign up, create a profile and take bookings from people wanting to pay to eat in your home or share in a delicious foodie experience with you.

44. Put your home in a film

You can rent out your home for photoshoots or even a film shoot and make some serious money.

There are location agencies such as AmazingSpace in London which will pay you to rent out your home or garden.

You could be paid up to £1,500 a day.

Sell your stuff

45. Sell unwanted giftcards

You can sell your unwanted giftcards on websites such as Cardyard.

You might not always get the full value – someone might pay you £18 for one worth £20 – but it’s cash you can spend where you actually need to.

46. Sell your hair

If you’ve got long luscious locks and you’re thinking of getting the chop, why not make a bit of money out of it by flogging your hair online.

London based Hair Harvest buys hair by the ponytail to make bespoke wigs made from real hair that’s ethically sourced.

Bloomsbury Wigs – the side of the business that makes the wigs – mainly sell to cancer patients who’ve lost their hair through chemotherapy, alopecia sufferers and members from the trans community.

The amount they pay depends on the length, the colour and the condition, but you could earn up to £250 for the right type.

Simply put your hair in a ponytail and cut above the band, pop it in the post and the experts will assess it. If they don’t want it they’ll send it back.

47. Flog stuff on eBay

It’s obvious but selling unwanted items such as clothes and homeware on auction website eBay can earn you extra cash.

You don’t even need to go to the post office anymore – you can choose to have couriers pick up the items from your home.

48. Or avoid eBay’s fees

eBay will take a cut of whatever you make from selling your items.

So it may be worth looking for other ways to flog your items, such as on Gumtree, Preloved or Facebook Marketplace.

49. Sell your rubbish

It’s not just old clothes and trinkets that can make you money.

People will pay a surprising amount online for what you might think is rubbish, such as toilet roll cylinders and empty perfume bottles.

50. Sell electronics

There are lots of websites dedicated to specifically reselling your electronics.

MusicMagpie will give you an instant price for old music or mobile phones.

For example, MusicMagpie would buy a 16GB iPhone 5 in good condition for £84.

Blogger Emma Drew struggled to get job after uni but now makes £100k a year

This post first appeared on thesun.co.uk

Recent Commercial Real Estate Transactions

$1.85 MILLION

1363 Fulton Street (between Marcy Avenue and Verona Place)

Brooklyn

Built in 1910, this four-story, 4,000-square-foot building in Bedford-Stuyvesant has a street-level commercial unit and a two-bedroom apartment on each of the top three floors. Bklyn Caps, a hat and clothing store, occupies the retail space, and one apartment was vacant at the time of the sale.

Buyer: Remy Raisner

Seller: Michelle Adams

Brokers: Derek Bestreich, Steve Reynolds, Tom Reynolds, Brian Davila and Sean Mashihi of Bestreich Realty Group

$7.3 MILLION

117 West 57th Street (between Avenue of the Americas and Seventh Avenue)

Manhattan

Built in 1920, this seven-story, 9,755-square-foot building in Midtown was sold for the first time in more than 80 years. It contains Angelo’s Pizza, a restaurant that occupies the first two floors and a basement, and eight apartments above. All of them are two-bedrooms, and four are rent-stabilized. All but two of the apartments were occupied at the time of the sale.

Buyer: Klosed Properties

Buyer’s Brokers: Hillel Horovitz and William Etheridge of Douglas Elliman Commercial

Seller: 117 West 57th Street Realty

$1.03 BILLION

441 Ninth Avenue (between West 34th and West 35th Streets)

Manhattan

Originally an eight-story warehouse built in 1962, this commercial tower in Midtown was converted to offices in 1983, and the sellers completed a 17-story addition in 2019. The building, Hudson Commons, contains 682,000 square feet of office space, about three-quarters of it occupied by Peloton, Lyft and three other tenants. It also has 16,000 square feet of retail space, including a cafe, In Common. Nearly every floor has 270 to 3,270 square feet of outdoor space, with 14 terraces. Hudson Commons has achieved LEED Platinum status, the U.S. Green Building Council’s highest energy efficiency rating.

Buyer: CommonWealth Partners

Sellers: Cove Property Group and the Baupost Group

Sellers’ Brokers: Darcy Stacom, William Shanahan, Doug Middleton and Alana Bassen of CBRE

This post first appeared on rss.nytimes

Which months do you not have to pay council tax?

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MILLIONS of Brits will get a two month break from paying council tax this year.

The amount is usually split across 10 months, leaving a 60-day period without a council tax bill – we explain when to expect the break.

People often split the payments over 10 months - meaning there are two months when you don't have to fork out

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People often split the payments over 10 months – meaning there are two months when you don’t have to fork out

What is council tax?

Council tax is a levy paid to your local authority, to cover the cost of services in your area such as rubbish collections and the upkeep of roads.

The amount you pay depends on which council tax band your home falls under.

The rate of the tax varies across the country as it is set by the local council.

To work out how much your bill will be, you need to find the valuation band for your home.

Then you should look up how much your local council charges for that band.

Some people are eligible for a council tax discount, which will reduce the total amount you have to pay.

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Which months don’t I have to pay council tax?

Most people split their council tax payments over 10 months – meaning there are two months of the year when you don’t have to fork out.

If you pay in 10 monthly instalments, you can look forward to a council tax break in February and March.

However, it’s possible to spread your payments out across the whole year – meaning you’ll make smaller payments each month.

This can help with budgeting, but it does mean you won’t get the two council tax-free months.

If you need to split your payments over 12 months, you should contact your local council.

How can I get a council tax discount?

It’s worth checking whether you’re eligible for a council tax discount.

Some people can even get a full exemption, meaning they don’t have to pay any council tax at all.

For example, students don’t have to pay any council tax.

People living on their own get a 25% discount and some pensioners are completely exempt.

If you’re on a low income you could be entitled to a discount on your bill.

A recent investigation by The Sun showed revealed that households could get thousands of pounds of council tax debt cancelled as local authorities look to clear record levels of arrears.

If you are struggling to pay you should contact your council as soon as possible.

You can apply for a reduction through the Government website.

You’ll need to have your national insurance number, bank statements, a recent payslip or letter from the Jobcentre, and a passport or driving licence to hand.

If there are other adults in the household, you might need the same information for them too.

I live in a council house and I’m proud, it doesn’t mean it has to be grubby, I completely transformed it and now it looks chic

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Millions of payday and doorstep loan customers have just weeks to claim refunds – are you owed cash?

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MORE than four million borrowers could be owed cash after taking out payday and doorstep loans.

Customers of Provident Financial could get money back for mis-sold loans, even after they have paid the debt back years ago.

Borrowers can get cash back for loans that were unaffordable

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Borrowers can get cash back for loans that were unaffordableCredit: Getty

Doorstep loans made by Provident and Greenwood, payday loans through Satsuma, and guarantor loans through Glo were given out to many who couldn’t afford them.

Ex-customers now have until the end of February to claim a share of a £50m pot set aside to refund those who were mis-sold loans.

The scheme to refund borrowers was agreed in August last year, but offers less than the full amount they are owed.

Borrowers could still get cash they wouldn’t otherwise have got worth hundreds of pounds though – and they could get bad marks removed from their credit record too.

Sara Williams from blog Debt Camel told The Sun: “Provident loans were only meant to be used for short term borrowing – that’s why the interest rate was so high.

“But Provident did not make proper checks on borrowers. Hundreds of thousands of people borrowed continuously from Provident for years.

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“They have a good chance of having a claim for ‘unaffordable lending’ upheld  – even if they made all the repayments on time! 

“If you win you will get back some of the interest you paid – this is worth applying for.”

Anyone who took out a loan with Provident, Satsuma, Greenwood and Glo between April 6, 2007 and December 17, 2020 could be eligible for a refund.

If the loan was unaffordable it’s worth applying, for instance if you were unable to afford the repayments or had to borrow more money to keep up with them and got into debt.

Before the current scheme was agreed and Provident was giving full refunds, it upheld 75% of the claims made.

How much you get back will depend on how much you borrowed and for how long, as well as how many others apply for a refund as there is a set pot of cash to give out.

The cash will be dished out after the refund scheme closes at 5pm on February 28, 2022.

This won’t be straightaway though, as each claim needs to be assessed and the amounts owed worked out.

How to claim a refund

To make a claim if you think you were given an unaffordable loan from Provident, Satsuma, Greenwood or Glo, go to scheme.providentpersonalcredit.com.

You can submit a claim online or by calling 0800 0568936, or you can download a form to send off.

Submitting a claim is free. Beware claims management firms who say they will do this on your behalf as they will take a cut of the money you get back.

You’ll need a scheme ID to submit your claim which you should have been sent via email or letter, but you can call the number above if you don’t have this.

You won’t need details of your loan to make the claim, says Sara, but you may need to show evidence of defaults or CCJs and this can be from your credit report if it’s in the last six years.

It’s better to make a claim sooner rather than later – just in case there’s an issue submitting information close to the deadline.

Sara also advises that you can also make a claim again if you were turned down for a refund before, or accepted a low amount, as the company rejected too many complaints before.

She also says in her guide to claims that you can make a claim whether you paid the loan on time, defaulted, or if the loan was sold to a debt collector.

None of the four firms are currently lending to new customers and Provident has written off outstanding doorstep loans as of December 31, 2021.

I’m a self-made millionaire at 25 – here are my top tips for saving money, including a ‘secret’ Amazon refund hack

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I won £26k after Aldi ‘forced’ me to resign while I was under ‘unbearable job pressure’

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AN ALDI store manager who claims he was “forced” to resign while under “unbearable pressure” has been awarded £26,000.

Barry Williams, who was hired by the German supermarket to turn around underperforming stores, was accused of misconduct by his bosses.

An Aldi store manager has been awarded £26,000 after claiming he was 'forced' to resign from a branch in Liverpool

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An Aldi store manager has been awarded £26,000 after claiming he was ‘forced’ to resign from a branch in LiverpoolCredit: Mark Waugh / Manchester Press Photography
Barry Williams came under 'unbearable pressure' at the end of his 10-year stint with the supermarket, a judge concluded

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Barry Williams came under ‘unbearable pressure’ at the end of his 10-year stint with the supermarket, a judge concludedCredit: Getty

He quit under a cloud after it was claimed he’d hidden price tags on shop shelves to hide the fact he hadn’t ordered enough stock.

But a tribunal has heard Aldi’s allegations were “exaggerated” and bosses would “turn a blind eye” to similar practices if the shop was performing well.

Mr Williams resigned without notice in February 2019 after a disciplinary investigation began when he fell out of favour with bosses in 2018.

The company claimed he’d been changing staff’s clocking off times to avoid breaching Working Time Regulations, the Liverpool Echo reports.

However, the tribunal has now concluded that some area managers faced “unbearable pressure” for their stores to do well.

Mr Williams was awarded a pay-out from Aldi.

In a written judgment, employment judge Dawn Shotter said: “It was [Aldi’s] culture to put a lot of pressure on managers.

‘HE WAS UNDER MASSIVE PRESSURE’

“Unbearable pressure was sometimes placed by the store area manager, who were also under similar pressure, on store managers.

“All were under a massive pressure to perform well on the key performance indicators, particularly store productivity, inventory and availability which transmuted into sales.”

The investigation heard Mr Williams, who was working for a branch in Liverpool, allegedly hid price cards above product shelves where lines had run out.

He did this to conceal that he’d failed to order enough stock, it was claimed.

However, the tribunal found this was “widely ignored” by Aldi if they thought performance at a store was strong enough.

Mr Williams was confronted by his area manager Peter Seddon in October 2018.

FORCED OUT

He denied the accusation but then admitted he “didn’t feel safe in his job” and had deliberately hidden the price cards to improve his store’s performance, it was heard.

After promising he wouldn’t do it again, the men agreed it was the “end of the matter”.

However, Mr Seddon then made an allegation of misconduct to his bosses.

The tribunal concluded both Mr Seddon and fellow senior manager Mathew Lipscombe wanted Mr Williams out – because it was believed he was “one of the worst performers”.

Judge Shotter wrote: “One way or another, whether it be through performance management or misconduct, the claimant’s exit out of the business was inevitable.”

She said Mr Williams’ conduct had contributed to his resignation – but decided it only warranted a 20 per cent reduction in compensation.

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He had an “excellent employment record” over the 10 years he worked for Aldi, she wrote.

A spokesperson for Aldi told the publication: “Aldi is an inclusive employer and will not tolerate discrimination in any form. 

“We are therefore very disappointed with the tribunal’s decision, and will now take the time to consider the ruling carefully before deciding whether any further action is necessary.”

Aldi tests out new ‘Specialbuy’ trolley with a WINE RACK to help shoppers navigate the middle aisle

This post first appeared on thesun.co.uk

Urgent Costa Coffee warning as fan favourites come with health risk

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COFFEE lovers have been issued an urgent warning about some of Costa’s most popular products.

The chain launched a new menu for January 2022 with some delicious sounding additions – but some come with a major health risk.

Coffee lovers have been warned to check the ingredients before ordering at Costa

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Coffee lovers have been warned to check the ingredients before ordering at CostaCredit: Getty
Signs informing customers of a change in dairy milk alternatives are on display in stores

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Signs informing customers of a change in dairy milk alternatives are on display in storesCredit: The Sun

Among the fresh items are several new coffees and hot chocolates – all available with cow’s milk or dairy-free alternatives.

And while Costa continues to offer these for those allergic, intolerant or vegan, a change in supplier means they are not suitable for everyone.

The menu used to list oat, soya and coconut milk from the brand Alpro, but Costa now uses only AdeZ options – which all “may contain wheat”.

Anyone allergic to the ingredient is urged to avoid ordering, as well as those with coeliac disease who follow a gluten free diet.

This is likely because the products are all made on the same premises so manufacturers cannot guarantee they are free from shared ingredients.

Signs are reportedly up in stores notifying coffee drinkers of the change, and the allergen information has also been updated online.

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But many customers might miss the “announcement” and risk an allergic reaction, health problems or anaphylaxis, which could be fatal.

A Costa Coffee spokesperson said: “As part of our new January menu we have changed supplier of dairy alternative products.

“Consumers can still enjoy the full range of dairy alternative flavours they’ve come to expect at Costa, including oat, soya, almond and coconut.

“We have updated our Nutrition and Allergy Guide to reflect these changes and whilst the new oat flavour does not contain wheat, we have included ‘may contain’ information aligned to the suppliers risk assessment.

“Updated information can be found in store or online and we’ve a new counter top card in stores notifying consumers of the change.”

The update was met with fury from Costa lovers, some of whom described the change as “awful”.

Becky Excell, who runs a gluten-free blog and shared the news with her followers, said: “This is super important as most would automatically assume that at least soy and coconut milk would be gluten-free.

“To say I am disappointed would be an understatement!”

She urged anyone who cannot consume wheat for whatever reason to steer clear.

Charity Coeliac UK also advised anyone to avoid the new non-dairy milks.

A spokesperson said: “In a recent social media poll 96 per cent of Coeliac UK’s gluten free community say that they struggle to find reliable gluten free options when they’re on-the-go, so we were very disappointed to hear that Costa have reduced choice even further by switching to oat, soya and coconut milk products which may contain gluten.

“We hope that Costa is able to reconsider their range in the future to make it more inclusive for the almost million people in the UK who have to live without gluten as a medical necessity, and the many more who avoid gluten for other reasons.

“We are investigating further and will share any updates with our community but in the meantime we would advise anyone on a gluten free diet to avoid the new non-dairy milks, and check with individual coffee shops about potential cross contamination risk when ordering.”

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A new law came into force earlier this year to help keep people with allergies and coeliac disease safe.

Pre-packaged food must now feature a full ingredients label – highlighting the 14 major allergens.

Called Natasha’s Law, it is named after a teenage girl who tragically died after suffering an allergic reaction.

She had eaten a sandwich, not knowing it had an ingredient in she was allergic to, as at the time it was not a requirement for businesses.

Around ten people in the UK die every year from food-induced anaphylaxis.

What are the 14 major allergens?

  • celery
  • cereals containing gluten – including wheat (such as spelt and Khorasan), rye, barley and oats
  • crustaceans – such as prawns, crabs and lobsters
  • eggs
  • fish
  • lupin
  • milk
  • molluscs – such as mussels and oysters
  • mustard
  • tree nuts – including almonds, hazelnuts, walnuts, brazil nuts, cashews, pecans, pistachios and macadamia nuts
  • peanuts
  • sesame seeds
  • soybeans
  • sulphur dioxide and sulphites (if they are at a concentration of more than ten parts per million)
Costa's new January menu includes three vegan-friendly drinks - but they 'may contain wheat'

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Costa’s new January menu includes three vegan-friendly drinks – but they ‘may contain wheat’Credit: Costa
Gordon Ramsay is branded a ‘snob’ after calling Costa barista an ‘idiot sandwich’ for serving £3 microwaved bacon

This post first appeared on thesun.co.uk