Cole says Chelsea's impressive start to Premier League season is down to two men

Chelsea went top of the league with a win over Newcastle as Frank Lampard repays the faith and investment from Roman Abramovich - both of which have been praised by Joe Cole
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Woman uses Boris Johnson as motivation to lose half her body weight and avoid Covid death
'I made sure to watch the updates every day as it was a really stark reminder.'
7 m
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Anthony Joshua vs Kubrat Pulev: 1,000 fans permitted to attend heavyweight title fight
One thousand fans will be permitted to attend Anthony Joshua’s heavyweight title defence against Kubrat Pulev at Wembley Arena on Saturday 13 December.
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How did my MP vote on the Tier system to replace lockdown?
The result was announced in the chamber as 291 votes to 78, majority 213.
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First Boeing 737 Max plane gets certificate saying it is safe to fly
The jets were grounded worldwide after two fatal crashes in 2019
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I’m A Celebrity 2020: Jordan North’s parents ‘couldn’t watch’ upsetting Bushtucker trials
'I had to turn away. It was quite upsetting.'
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‘A key component’ – Emile Heskey urges Arsenal to sign Dominik Szoboszlai
'Arsenal are in desperate need.'
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Scotch egg confusion deepens again as Matt Hancock gives another baffling answer
'A scotch egg that is served as a substantial meal, that is a substantial meal’
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Macron's plot for Brexit to never end! Restart talks in 2021 'without any time pressures'
BREXIT trade and security talks could be resumed next year in a plan hatched by France to pile pressure on EU and UK negotiators.
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‘Different class!’ – Andy Robertson praises Liverpool youngsters after win over Ajax
Some fine performances on Merseyside.
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Utah’s monolith mystery explained as TikTok video shows who removed it
Utah tour guides posted a video of themselves removing the 12-foot metal obelisk
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Loungers reports drop in revenues as boss blasts ‘bewildering and unfair’ tiers restrictions
Loungers, the operator of the Lounge and Cosy Club café-bar chains, today reported a 33% drop in revenues as its chief executive said the company has been saved from the pandemic's worst impacts by its suburban and market town base.
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Grimes shares rare photo of son X AE A-Xii playing with space book and Elon Musk must be proud
He’s a chip off his father’s block.
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Arsenal’s Gabriel Martinelli targets Under-23s outing this month as injury recovery takes big step forward
Arsenal have been handed a boost by the news that Gabriel Martinelli is aiming to play for the club’s Under-23 side this month.
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Bonmarche collapses into administration for second time in a year
Fashion chain Bonmarche has collapsed into administration for the second time in just over a year, its administrators have said.
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Photography campaign shows the grim aftermath of logging in Canada's fragile forests
Ancient Forest Alliance’s project underscores the preventions that are needed to protect old-growth trees in areas such as the Caycuse watershedWhen TJ Watt first stood at the base of a towering western red cedar on Canada’s Pacific coast, the ancient giant was surrounded by thick moss and ferns, and the sounds of a vibrant forest ecosystem.When he returned a few months later, all that remained was a massive stump, set against a landscape that was unrecognizable. “To come back and see a place that was so magnificent and complex just completely and utterly destroyed is just gut-wrenching,” he said. Continue reading...
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One woman's charity cycle trip in search of places called Hope
With her job stalled by the pandemic, Helen Proudfoot found plenty of Hopes in Britain, from Scotland to Devon – and also did some fundraisingIt’s been a tough year for the travel industry, but one cycle tour leader decided not to let 2020 get her down – by riding 1,000 miles around the UK in search of Hope.Helen Proudfoot, who works for adventure company Active England Tours, planned a route seeking out villages and hamlets called Hope after work dried up during the pandemic – and raised money for The Bike Project, a charity that donates refurbished bikes to refugees, while doing so. Continue reading...
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Are you sad or depressed? Experts explain the difference
The upset and worry of Covid are making many of us anxious. So how can you tell if you are just feeling down, or if it’s something more serious? Here are the signs to look out forIt was last week that Halina Rifai resigned from her job. It was a short-term contract she’d taken on about a month ago, working for a call centre, but it was stressful, and meant working long hours at home, leaving her unable to get outside much during the day. Last week, she woke in the middle of the night and had a panic attack. “And then the next morning, I just went: ‘No, that’s it, I’m going out.’” She went for a six-mile walk before work, felt much better, but also knew that she had to make a decision about work. “It’s at this point that I have to weigh up my mental health against finance, and I have to choose my mental health,” she says, though she acknowledges she is lucky that she has another job lined up for early next year.Rifai, from Glasgow, works in the music industry during non-pandemic times, and also hosts a mental health podcast, A Sonic Hug. At the age of 16, she was diagnosed with post-traumatic stress disorder after growing up in an abusive home, and at 20, she was having panic attacks and had developed agoraphobia. She has had treatment, including long-term talking therapy, which finished earlier this year, but she has learned to manage it largely herself – making sure she watches out for any signs that she is sliding back. Continue reading...
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Lynette Yiadom-Boakye review – ‘she’s turned Tate Britain on its head’
Tate Britain, LondonThe artist has boldly reclaimed figurative oil painting and filled the gallery with the kind of contemporary art it normally shunsLooking at Lynette Yiadom-Boakye’s painting No Such Luxury, I suddenly saw how much she has in common with the Belgian surrealist René Magritte. The work depicts a woman sitting at a table with a cup and saucer in front of her, gazing straight out. That seems simple but the longer you look, the stranger it becomes. Magritte portrayed himself in the same pose in his painting The Magician – except with four arms. Yiadom-Boakye’s canvas may seem, by comparison, a slice of real life. But it’s weirdly out of scale, a bit larger than life. The woman is a monument, her gaze mystical and far-seeing – a Buddha of suburbia.Yet Yiadom-Boakye has a far deeper affinity with Magritte. She makes us believe in someone who does not exist. Everything about her pictures of people says “portrait”. But these are not portraits. They’re fictional creations, imagined characters. “Ceci n’est pas une pipe,” Magritte wrote beneath a painting of a pipe. Yiadom-Boakye’s exhibition could have been simply called “This is not a portrait.” Continue reading...
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Manchester United striker Marcus Rashford becoming ‘annoying’ for PSG, Thomas Tuchel admits
Rashford has become a thorn in the side of the French champions
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As regional mayors, we urge Rishi Sunak to step up support for people this winter
With a third of the UK set to face financial strain, the chancellor must keep his promise to do ‘whatever it takes’ during this crisisCoronavirus – latest updatesSee all our coronavirus coverageThis winter is set to be the most challenging chapter of the pandemic for many people across the country, with unemployment growing and many families struggling to put food on the table or heat their homes. Related: Our Covid tier system needs a rethink. It should be about support, not restrictions | Zoe Williams Continue reading...
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Garrick Club petition signed by 100 top barristers demanding end to ‘male-only’ membership
More than 100 barristers have signed a petition calling for an end to the Garrick Club’s “gentlemen-only” membership policy, branding it inconsistent with a “commitment to equality and diversity”.
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Mick Schumacher, son of Formula 1 legend Michael, signs with F1 team Haas for 2021 season
The 21-year-old is on the verge of winning the F2 championship.
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Outcry over ‘absurdly heavy’ prison sentences for leading Hong Kong democracy activists
Other pro-democracy activists and international rights groups have called for immediate release of the activists
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5 Easy Ways To Help Improve Your Credit Score
If the mention of a “credit score” makes your eyes glaze over - or sends a tingle of fear down your spine, you’re not alone. Many of us are unaware of our credit scores, or what factors contribute to them.Anyone – landlords, lenders, mobile phone providers - is entitled to run a credit check on you. Your credit score can serve as a good indicator of your likelihood to be able to pay credit back. A bad credit score could unfortunately impact your ability to get a loan, which you could need to start up that business you’ve been dreaming of, or to upskill by enrolling on a course.Credit score ranges vary, but a “good” score is typically considered upwards of 600. There’s an incentive to getting an even better credit score - think closer to 700 - which could qualify you for lower interest rates, credit cards with better perks and more favourable borrowing terms. Often, a credit score is something we really don’t consider until we have to - at which point it gets tricky. To build up a good credit score, you need to have spent time amassing credit, and making payments on time. Late payments can heavily impact your credit rating, as well as remaining on your account for years.Suddenly thinking about your credit score and how to improve it? Read on for five expert-approved tips below.Register onto the Electoral RollHere’s an easy way you could give your credit a boost: get yourself registered on the electoral roll, which could not only just improve your credit score, but also give you the chance to exercise your civic responsibilities by voting in elections. “Being on the electoral roll allows lenders to verify who you are and where you are currently living. I would advise doing this sooner rather than later as lenders look for stability, they want to know you are a reliable person that will make repayments,” says Diane Watson, a financial planner, principal partner at Sovereign Wealth and founder of She Can Prosper, which aims to help women become more financially independent.Being registered in the same location for an extended period of time gives lenders confidence that you aren’t the type of person to “up and leave,” notes Watson.“The longer your electoral roll listing has been active, the more stable you will appear, strengthening your application… credit reference agencies can mark down your score if you have moved multiple times within a short period of time,” she explains.Build up some credit“Lenders want to know that you are reliable when it comes to repayments – so weirdly, having some sort of debt and being able to evidence regular repayments is better than having no debt at all,” explains Holly Mackay, founder and CEO of financial website, Boring Money. “Research available credit cards but if you go down this path, you should set up a direct debit to pay them off every month or you could get black marks.”A credit card could be a helpful tool to start building your credit rating, which could help you get approved for a mortgage or loan. Using your credit card to make small, frequent purchases and paying off your balance in full each month could help to boost your score and can show lenders that you’re a reliable person to lend money to.Credit cards are also useful for any larger purchases you might be making – furniture, a car, a trip – anything between £100 and £30,000 will be covered Section 75 of the Consumer Credit Act, so if the item is faulty or the holiday is cancelled, you could turn to your credit card provider for support in getting a refund or replacement.However, a credit card is a big commitment, and you should only think about getting one if you know that you can be disciplined with your spending.Watson also advises getting your name on utility bills - be the responsible one in your flatshare who volunteers to take charge of bill paying. HouseMate* from NatWest, a new app launching in 2021 and currently in pilot, uses Open Banking to connect your bank account to the app, which could make it easier to split bills between you and your flatmates, build credit score and build tenancy trust. Private renters do not ordinarily have their rent payments communicated to credit bureaus. This means renters miss out on the opportunity to build their credit files, which can reduce access to financial products and the best rates. By using Housemate, the bank can verify transactions for rent payments then send that information to Experian who add it to an individual’s credit file.Make sure any breakups are financial splits, too The last thing you’ll be thinking about after a split is how it’s going to impact your credit rating, but hear us out: if your ex has financial troubles down the line and you’re still linked, it could have a knock-on effect on your life and financial affairs.“If you have recently separated from someone, don’t just delete the playlists and throw out their socks. Separate all and any joint accounts you may have had - close them. This way you are less likely to be financially penalised for their behaviour in the future,” says Mackay.An interest-free student account could help you save Mackay recommends that students look into opening up a student account with a 0% interest overdraft. “This evidences that you can manage debt and repayments – but you don’t get hit by hefty interest to pay,” she notes.If you open a student bank account with NatWest, you could get added benefits. Choose 1 from 3 great offers; Amazon Prime Student membership, National Express Coachcard or a tastecard like a year of Amazon Prime Student membership, as well as an interest-free overdraft up to £2000.***Download the NatWest app** so you can check your credit score anytime, anywhere.*Coming in 2021. Housemate is currently in testing and will be available on app stores in 2021. Housemate can help make payments easier using Open Banking – as a result Open Banking is available for selected UK banks and account types only. You need to be registered for your banks’ online banking. App available to users aged 17+ with a UK bank account using iOS and Android compatible devices.**App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Savings Goals Tool only available with NatWest Instant Access savings accounts. Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion. ***To apply for a NatWest Student Account, you must be 17+ and live in the UK. Apply online only. You need to be full time undergraduate student (on at least a 2 year course at a UK University/College) or you need to be completing a full time postgraduate or nursing course lasting a year or more. You can apply within 6 months of your course start date. You need to be 18+ and have lived in the UK for 3+ years to apply for an Overdraft. 
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Bonmarche collapses into administration for the second time in a year
We'll be bringing you the very latest updates, pictures and video on this breaking news story.
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Pfizer vaccine: How does it work and how effective is it?
Amid the doom and gloom of 2020, this feels like the first tentative step towards the light at the end of the tunnel
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Beheaded tiger found at private zoo raided by authorities in Thailand
Five live tigers, suspected to be illegally smuggled, have been discovered in the raid
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Tiger King Joe Exotic ‘waiting for Donald Trump to sign his presidential pardon’
His attorney's are 'feeling confident' they'll get it.
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FIFA 21 Title Update 6 available to download now on Xbox and PlayStation
EA SPORTS' latest title update for FIFA 21 is now live for console players on Xbox and PlayStation, including the next-gen consoles, with only PC players previously having access to Title Update 6.
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Scotland’s Euro 2022 hopes go up in flames after freak goal against Finland
Amanda Rantanen scored in the dying stages as the ball rebounded off her face and into the net
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Rita Ora pulls out of Jonathan Ross Show appearance after breaking lockdown rules for 30th birthday party
Singer to be replaced by comedian Joel Dommett
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Man attacked by neighbour can’t read or write after losing part of skull
Dean Stewart, 25, attacked Ryan Covell, 22, in his own home in Newcastle city centre then stabbed him in the neck and body.
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Arsenal’s Pierre-Emerick Aubameyang donates £2,000 towards treatment for girl with unknown genetic condition
Arsenal captain Pierre-Emerick Aubameyang has donated £2,000 to help fund the treatment of a four-year-old girl who is battling an unknown genetic condition.
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How to stick to a budget this Christmas and avoid stressing out about money
Don't let money stress ruin your Christmas.
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Simon Cowell 'snubbed' Britain's Got Talent judge David Walliams for six months
David Walliams claims that he hasn't spoken to Simon Cowell since the star suffered his horrific back injury in May. Simon was replaced on Britain's Got Talent after his accident
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Manchester Arena bombing inquiry: Live updates as security experts are quizzed about adequacy of efforts to thwart terrorism at the venue
The inquiry is on its 42nd day
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The Morning Show: Jennifer Aniston shares behind-the-scenes pictures as filming resumes on season 2
Filming on the second season is underway.
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England v France, Autumn Nations Cup Final: What time is kick-off, what TV channel is it on and what is our prediction?
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Stephen Maguire rates new sensation Pang Junxu after shock UK Championship exit
Another upset for the 20-year-old
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Your Covid-19 tier questions answered including bubbles, pubs and Christmas
The rules passed despite Labour refusing to back them, and dozens of mutinous Tory MPs voting against in a humiliating night for the Prime Minister
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Spectacular Blue Smith 'arrested for punching Disney World worker'
Spectacular Blue Smith allegedly punched a Disney World Worker who asked him to leave a ride queue after pretending to sneeze on him and saying 'coronavirus'
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Martin Lewis issues warning to everyone with a Tesco Clubcard
Millions of people will lose one of the scheme's key rewards
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Comedy about trans people is fine – just don’t make us the butt of the joke
John Cleese isn’t trans and will therefore never know what it’s like to have his gender identity questioned or ridiculed at every turn.
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