Klopp watches centre-back amid Liverpool defensive injury crisis

The Reds boss was a spectator at Kirkby as the Reds' under-23 team took on Southampton on Saturday afternoon, ahead of the first-team taking on Leicester on Sunday
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Grimes shares rare photo of son X AE A-Xii playing with space book and Elon Musk must be proud
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Garrick Club petition signed by 100 top barristers demanding end to ‘male-only’ membership
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Spotify users are cringing over their top songs for 2020 - how to find yours
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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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Bad With Money? How To Transform Your Money Mindset
Seeing ourselves as being bad with money can have a huge impact on the way we spend our hard-earned cash and many of us often think our financial prowess – or lack of – is something we can’t change.However, an overhaul is possible – and it isn’t the terrifying and humongous task you might imagine it to be. Through implementing a series of small changes to your mindset and habits, you can set yourself up to make financial decisions which will improve your mood as well as your bank balance.Here, experts explain how to renew your attitude to money matters and why it isn’t as scary as you might think…Consider why you think you’re bad with money The first step in creating a positive attitude is exploring why you lack confidence in the first place. Simonne Gnessen, financial coach and founder of Wise Monkey, says there’s often a backstory which influences how we deal with our personal finances.“It might be that you’ve had big expectations put on you by parents or ‘I was rubbish at maths at school and freeze when anyone talks about numbers’,” she explains. “That can then translate into the way you behave with money.“See it as a story and potentially a fictitious one and try to reframe that and understand it better.”Avoid ostrich syndrome It’s a behaviour plenty of us are guilty of but burying your head in the sand will make facing up to your bank balance even more difficult in the long run. “You’re denying it although you know it’s there,” says Gnessen. “And that carries a huge amount of stress. Often the truth is the best because then there’s something you can do about it.”Gnessen recommends getting into the habit of checking in on your balance by adding it onto another activity you regularly complete – like doing so just after checking your emails or before turning your laptop off. Plenty of banks offer text alerts too, which can notify you when your funds dip below a certain point.Create positive goals Having an aim to work towards will be key in creating good habits but rather than setting a solely monetary goal, experts recommend choosing one that also focuses on your mental attitude. “We’re emotionally driven, not logical,” says Kim Stephenson, a financial psychologist. “Working on wellbeing makes your decision making better because you are less stressed and less emotionally connected to all the fears and guilt that surrounds money for you.“Then you are able to plan ahead and use your money to move you forward. Think, ‘What do I want my money to do for me? What do I want to achieve?’”Consider what message you’d love to “reinforce” to yourself, adds Gnessen. “Pick something juicy that has emotional content. Then what would you do differently, if you had that belief? What could you do differently?”And try not to dwell on past mistakes or regrets either and instead, keep your eyes firmly planted on where you want to be in the future. “Focus on what you want, rather than what you don’t want,” she recommends. “Where do you want to be? What’s the outcome you might like to have?”Stop the splurges With your new positive attitude in place, you can begin making small practical changes which will have a big impact on your purchases. Being aware of your spending is key and these small actions create added time for you to be mindful of where your money is going.If online shopping is something you often turn to, Gnessen suggests removing your saved card data from your phone and laptop, and unfollowing brands on social media. If you feel you spend too much money on food deliveries, delete the apps.“Then you’re not seeing the sales that are on,” she explains. “If you’re not seeing them, you’re less likely to want to spend. Or it might be helpful to take your credit card out of your purse or wallet and put it in a drawer. Start with baby steps and then your actions will reinforce a different mindset.”“Put a little red sticker on a picture of something you want,” Stephenson adds. “Then stick on your watch or phone, and on your computer or make-up mirror.” Then, he adds, you’ll be reminded of your aim and think more before spending your hard-earned cash.Quit the FOMO It’s easy to scroll through social media and feel like everyone is having a great time and rolling in cash, but that usually isn’t the true story – and through talking about money more, we can change how we feel while browsing on Insta.“We often have deep shame, fear and anxiety when it comes to money,” says Gnessen. “It’s a topic we don’t talk about so often, we feel quite isolated with it and we run away from it.”Rather than comparing yourself to others, try to have open conversations about cash with loved ones or close friends, which can also help in real-life situations where you’re trying to curb your spending.“We’re happy to go to a restaurant and say, ‘I’m on a gluten free diet at the moment’ so why is it that we have such deep shame about saying, ‘you know what, I’m not going to drink alcohol and I will pay my share at the end, is that okay?’ We’re having those tough conversations so let’s just take it one step further.”And often, Gnessen says, you might also find that other pals share your thoughts but didn’t want to speak up. “The more one person can be brave and set the tone for the group, the easier it’ll be for everyone,” she adds. “Because almost certainly, there are other people in that group who are also succumbing to the group dynamic of how you pay for things, who also aren’t happy.”
UK News and Opinion - The Huffington Post...
Bad With Money? How To Transform Your Money Mindset
Seeing ourselves as being bad with money can have a huge impact on the way we spend our hard-earned cash and many of us often think our financial prowess – or lack of – is something we can’t change.However, an overhaul is possible – and it isn’t the terrifying and humongous task you might imagine it to be. Through implementing a series of small changes to your mindset and habits, you can set yourself up to make financial decisions which will improve your mood as well as your bank balance.Here, experts explain how to renew your attitude to money matters and why it isn’t as scary as you might think…Consider why you think you’re bad with money The first step in creating a positive attitude is exploring why you lack confidence in the first place. Simonne Gnessen, financial coach and founder of Wise Monkey, says there’s often a backstory which influences how we deal with our personal finances.“It might be that you’ve had big expectations put on you by parents or ‘I was rubbish at maths at school and freeze when anyone talks about numbers’,” she explains. “That can then translate into the way you behave with money.“See it as a story and potentially a fictitious one and try to reframe that and understand it better.”Avoid ostrich syndrome It’s a behaviour plenty of us are guilty of but burying your head in the sand will make facing up to your bank balance even more difficult in the long run. “You’re denying it although you know it’s there,” says Gnessen. “And that carries a huge amount of stress. Often the truth is the best because then there’s something you can do about it.”Gnessen recommends getting into the habit of checking in on your balance by adding it onto another activity you regularly complete – like doing so just after checking your emails or before turning your laptop off. Plenty of banks offer text alerts too, which can notify you when your funds dip below a certain point.Create positive goals Having an aim to work towards will be key in creating good habits but rather than setting a solely monetary goal, experts recommend choosing one that also focuses on your mental attitude. “We’re emotionally driven, not logical,” says Kim Stephenson, a financial psychologist. “Working on wellbeing makes your decision making better because you are less stressed and less emotionally connected to all the fears and guilt that surrounds money for you.“Then you are able to plan ahead and use your money to move you forward. Think, ‘What do I want my money to do for me? What do I want to achieve?’”Consider what message you’d love to “reinforce” to yourself, adds Gnessen. “Pick something juicy that has emotional content. Then what would you do differently, if you had that belief? What could you do differently?”And try not to dwell on past mistakes or regrets either and instead, keep your eyes firmly planted on where you want to be in the future. “Focus on what you want, rather than what you don’t want,” she recommends. “Where do you want to be? What’s the outcome you might like to have?”Stop the splurges With your new positive attitude in place, you can begin making small practical changes which will have a big impact on your purchases. Being aware of your spending is key and these small actions create added time for you to be mindful of where your money is going.If online shopping is something you often turn to, Gnessen suggests removing your saved card data from your phone and laptop, and unfollowing brands on social media. If you feel you spend too much money on food deliveries, delete the apps.“Then you’re not seeing the sales that are on,” she explains. “If you’re not seeing them, you’re less likely to want to spend. Or it might be helpful to take your credit card out of your purse or wallet and put it in a drawer. Start with baby steps and then your actions will reinforce a different mindset.”“Put a little red sticker on a picture of something you want,” Stephenson adds. “Then stick on your watch or phone, and on your computer or make-up mirror.” Then, he adds, you’ll be reminded of your aim and think more before spending your hard-earned cash.Quit the FOMO It’s easy to scroll through social media and feel like everyone is having a great time and rolling in cash, but that usually isn’t the true story – and through talking about money more, we can change how we feel while browsing on Insta.“We often have deep shame, fear and anxiety when it comes to money,” says Gnessen. “It’s a topic we don’t talk about so often, we feel quite isolated with it and we run away from it.”Rather than comparing yourself to others, try to have open conversations about cash with loved ones or close friends, which can also help in real-life situations where you’re trying to curb your spending.“We’re happy to go to a restaurant and say, ‘I’m on a gluten free diet at the moment’ so why is it that we have such deep shame about saying, ‘you know what, I’m not going to drink alcohol and I will pay my share at the end, is that okay?’ We’re having those tough conversations so let’s just take it one step further.”And often, Gnessen says, you might also find that other pals share your thoughts but didn’t want to speak up. “The more one person can be brave and set the tone for the group, the easier it’ll be for everyone,” she adds. “Because almost certainly, there are other people in that group who are also succumbing to the group dynamic of how you pay for things, who also aren’t happy.”
UK News and Opinion - The Huffington Post...
FIFA 21 Title Update 6 available to download now on Xbox and PlayStation
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Donald Trump hints he will run for president in 2024 telling White House reception: ‘I’ll see you in four years’
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Motor dealers to offer and average of 7% off new cars this month to recoup lockdown 2 losses
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Indian state bans online gaming over ‘suicides and gambling debts’
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Zidane 'has four games to save job' as Real Madrid eye Pochettino
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Russian oligarch's ex-wife faces son in £453m divorce court fight today   
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Phillip Schofield exposes genius way he got revenge on kid who swore on his show
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Financial advisor 'took his own life' after writing "Covid-19 got me" to family
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Gap’s stylish winter range is perfect for gifting this Christmas
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UN, Ethiopia sign deal for humanitarian access to Tigray
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Rian Johnson divides Star Wars fans by revealing scrapped Anakin Skywalker scene in The Last Jedi
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