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Biden says the US is ‘all in’ on Africa during his Angola visit meant to counter ChinaAvoid credit shock and check your credit rating online before applying for a loan. Applying for a home loan? You might want to check your credit score before going ahead. Even better – check your credit history, says Canstar data insights director Sally Tindall. While there are a range of things that ruin credit scores, poor credit conduct being a big one, lenders look much deeper than the numerical values assigned to us by credit reporting bodies when assessing the risk we pose as borrowers, she says. “A lender might look at your credit score as a quick way of checking for any red flags but, far more importantly, they will be going through your credit history line-by-line to see how you’ve managed debts in the past, along with what debts you currently have,” she says. “If you are gearing up to apply for a home loan, it’s worth ordering a copy of your credit report so you can be across what the bank is going to learn about you when they inevitably go and read through your credit history.” Lenders don’t just look at your credit score – they also check your full credit history. BAD HISTORY LOWERS YOUR SCORE When it comes to the things that actually give you a low and therefore bad credit score, poor credit history often tops the list, says mortgage broker Andrew Rennie from Helping Hand Finance. MORE: ‘Unfair’ bank lending policy under fire When to actually expect rate cut “You might think that only being a few days late on paying your bills is no big deal and saving you money, but late payments on things like credit cards and utility bills can decrease your score,” Rennie says. Helping Hand Finance mortgage broker Andrew Rennie. Since a credit report looks at the previous 24 months of conduct, it often takes quite some time before a borrower’s slate can be wiped clean. “Having credit cards or personal loans in arrears also impacts credit scores, as does multiple instances of late payments of 30-plus days,” he adds. “Applying for hardship or repayment holidays with lenders also brings your credit score down.” Mortgage broker Daniel O’Brien from PFS Financial Services says defaults, court judgments and bankruptcy are the worst offenders when it comes to ruining a borrower’s credit score. “Applying for short term ‘payday’ loans” also has an impact, he says. A good mortgage broker will check your credit history and score before lodging any applications. SHOPPING FOR LOANS If you are applying for multiple home loan applications it could affect your credit report, says Tindall. “Frequent applications can signal to lenders that you may be experiencing financial difficulties, while in other cases it might be that you’re just shopping around,” she says. “Each new credit application is typically listed on your report, including the ones that are rejected.” “That said, the diligence of banks in the home loan assessment process means a handful of credit inquiries that can easily be explained is unlikely to trip you up.” Needing to roll over a pre-approval multiple times doesn’t tend to affect a borrower’s credit score, says Rennie. Rolling over your pre-approval generally doesn’t affect your credit score. “Any lenders that extend a pre-approval generally just want evidence that your financial situation hasn’t changed and will generally want updated pay slips and confirmation from the borrower that their circumstances are the same before extending a pre-approval,” he says. Tindall says “While home loan pre-approvals show up on your credit file, try not to let this stress you out too much, even if you have to roll it over for another few months because you haven’t yet found the home of your dreams.” “This is quite a normal process for someone looking to buy a home, particularly in a market where stock has been in short supply. “If your new bank asks, you’ve got a very reasonable explanation at the ready.” Canstar Data Insights director Sally Tindall. Picture: supplied ACE YOUR CREDIT SCORE A good credit history is key to keeping a good credit score and essential if you want to maximise your chances of being approved for a home loan. Here are a few things that may help to keep your credit score in healthy shape. 1. Check your credit score and credit report for free online 2. Make a habit out of paying every bill on time 3. If you think you’re in danger of missing a bill, contact your provider in advance to discuss your options 4. Avoid applying for multiple home loans and engage a mortgage broker instead 5. Understand that taking repayment pauses will bring your credit score down 6. Get rid of Buy-Now-Pay-Later facilities, which Rennie says reduce your credit score and affect your borrowing capacity MORE: Outrage as Aussies can’t afford to live in Australia Loo-dicrous way to add thousands to your home value Where you can invest for under $500k

Andrew met the individual through “official channels” with “nothing of a sensitive nature ever discussed”, a statement from his office said. The businessman – known only as H6 – lost an appeal over a decision to bar him from entering the UK on national security grounds. He brought a case to the Special Immigration Appeals Commission (SIAC) after then-home secretary Suella Braverman said he should be excluded from the UK in March 2023. H6 was described as a “close confidante” of The Duke. Judges were told that in a briefing for the home secretary in July 2023, officials claimed H6 had been in a position to generate relationships between prominent UK figures and senior Chinese officials “that could be leveraged for political interference purposes”. They also said that H6 had downplayed his relationship with the Chinese state, which combined with his relationship with Andrew, 64, represented a threat to national security. A statement from Andrew’s office said: “The Duke of York followed advice from His Majesty’s Government and ceased all contact with the individual after concerns were raised. “The Duke met the individual through official channels with nothing of a sensitive nature ever discussed. “He is unable to comment further on matters relating to national security.” At a hearing in July, the specialist tribunal heard that the businessman was told by an adviser to Andrew that he could act on the duke’s behalf when dealing with potential investors in China, and that H6 had been invited to Andrew’s birthday party in 2020. A letter referencing the birthday party from the adviser, Dominic Hampshire, was discovered on H6’s devices when he was stopped at a port in November 2021. In a ruling on Thursday, Mr Justice Bourne, Judge Stephen Smith and Sir Stewart Eldon, dismissed the challenge.

Will this lesser-known £28bn growth stock be joining the FTSE 100 soon? The content of this article is provided for information purposes only and is not intended to be, nor does it constitute, any form of personal advice. Investments in a currency other than sterling are exposed to currency exchange risk. Currency exchange rates are constantly changing, which may affect the value of the investment in sterling terms. You could lose money in sterling even if the stock price rises in the currency of origin. Stocks listed on overseas exchanges may be subject to additional dealing and exchange rate charges, and may have other tax implications, and may not provide the same, or any, regulatory protection as in the UK. When investing, your capital is at risk. The value of your investments can go down as well as up and you may get back less than you put in. You're reading a free article with opinions that may differ from The Motley Fool's Premium Investing Services. Become a Motley Fool member today to get instant access to our top analyst recommendations, in-depth research, investing resources , and more. Learn More . The FTSE 100 lists some of the UK's biggest companies. Yet there are some huge London-listed growth stocks that aren't on the index. That's because specific listing rules make it impossible for certain stocks to join. Some reasons why include being incorporated abroad, lacking liquidity, or being denominated in another... Mark David Hartley

President Droupadi Murmu on Thursday presented the Pradhan Mantri Rashtriya Bal Puraskar to 17 children, recognising their exceptional courage and outstanding achievements across diverse fields, including art, culture, sports and innovation. Giving out at the awards to seven boys and 10 girls selected from 14 states and Union territories, the President also underlined the importance of nurturing and celebrating young talents. “Providing opportunities and recognising children’s talents has always been a part of our tradition. This tradition should be further strengthened to ensure that every child realises their full potential,” she said. The award celebrates extraordinary accomplishments in seven categories: art and culture, bravery, innovation, science and technology, social service, sports and environment. The honourees were presented with a medal, certificate and citation booklet at the ceremony which was held on Veer Bal Diwas instead of a conferring ceremony during Republic Day celebrations in January as the government wanted a ceremony dedicated to the children. President Murmu highlighted the importance of honouring such talents, saying, “The tradition of recognising and nurturing children’s potential has always been part of our culture. Their contributions will lead India to the pinnacle of progress.” She further emphasised the ministry of women and child development’s role in sharing these stories of inspiration with the wider public. The President also paid homage to the unparalleled sacrifices of Guru Gobind Singh’s sons, commemorated as “Veer Bal Diwas” on December 26, saying, “Their sacrifices for faith and self-respect continue to inspire countless generations. On this day, the nation bows in reverence to their bravery and spirit.” Bal Puraskar is given for seven categories — Art and Culture, Bravery, Innovation, Science and Technology, Social Work, Sports and Environment. Among the awardees this year was Keya Hatkar, a 14-year-old author and disability advocate, recognized for her excellence in art and culture. Despite living with spinal muscular atrophy, she founded initiatives like “IM POSSIBLE” and “SMA-ART,” promoting inclusivity and disability awareness. Among the other awardees was Ayaan Sajad, a 12-year-old Sufi singer from Kashmir, honoured for his soulful contributions to Kashmiri music, while 17-year-old Vyas Om Jignesh, who has cerebral palsy, was lauded for his dedication to Sanskrit literature, having memorised over 5,000 shlokas and performed in over 500 shows. In bravery, Saurav Kumar (9) was recognised for saving three girls from drowning, and 17-year-old Ioanna Thapa was honoured for rescuing 36 residents from a fire. “Examples of courage and patriotism in children strengthen the nation’s confidence in its future. Such acts are truly commendable,” President Murmu remarked as she presented the award to the two children. In the innovation category, 15-year-old Sindhoora Raja was awarded for creating self-stabilising devices for Parkinson’s patients, and cybersecurity entrepreneur Risheek Kumar (17) was honoured for launching Kashmir’s first cybersecurity firm. “Contributions to science, technology, and innovation by children like these show their unparalleled potential to transform lives,” the President observed. Hembati Nag, a judo player from a Naxal-affected area was awarded in the sports category. She overcame numerous challenges to win a silver medal at the Khelo India National Games. Mentioning Nag’s story, President Murmu said, “Hembati’s resilience amidst adversity is an example of unmatched courage and determination.” Chess prodigy Anish Sarkar, the youngest FIDE-ranked player at just three years old, was also honoured. The President envisioned a bright future for the awardees, adding, “In 2047, when we celebrate the centenary of our independence, these award winners will be enlightened citizens of the country. Such talented boys and girls will become the builders of a developed India, shaping its destiny through their talent and efforts.” “May every child of this nation have a bright and prosperous future, for in their success lies the future of India,” she said. Addressing the event, Prime Minister Narendra Modi talked about the role of youth in shaping India’s future. “Veer Bal Diwas fills us with inspiration and motivates us to make new resolutions. I had also said from the Red Fort that now the best should be our standard. Our youth should strive for the best in whatever sector they are in,” he said. “From history to the present, youth energy has always played a big role in India’s progress. From the freedom struggle to the mass movements of the 21st century, India’s youth has contributed to every revolution,” the PM said. He also acknowledged the changing times, stressing that the world is moving beyond machines to machine learning, with Artificial Intelligence (AI) becoming more prevalent. “The use of AI is increasing, which is replacing normal software. We are facing new challenges in every field. Therefore, we have to tell our youth what the future holds,” he said. In line with this, the Prime Minister also spoke about the awards which honours children who have demonstrated extraordinary achievements in various fields. Established in 1996 by the ministry of women and child development, the award is given to children between the ages of 5 and 18. Awardees must be Indian citizens residing in India. Each recipient of the Prime Minister National Bal Puraskar is awarded a medal, a certificate, and a cash prize of ₹ 1 lakh. In 2023, 11 children were honored with the prestigious award.

A high-profile barrister who was cleared of misconduct over social media posts has called on the head of the Bar Standards Board to resign. Dr Charlotte Proudman, who specialises in family law, had faced a Bar Standards Board (BSB) disciplinary tribunal over a 14-part Twitter thread criticising a judge’s ruling over a domestic abuse case, saying it echoed a “boys’ club”. However, the five charges against the 36-year-old were dropped on Thursday. In an interview with The Times, Dr Proudman described the position of Mark Neale, the board’s director-general, as “untenable” and said its chairwoman, Kathryn Stone, should also stand down. “They need a change, not just in those two individuals, though, because, of course, it seeps down to the rest of the organisation,” she said. She told the paper she “genuinely” wanted to work with the Bar Standards Board in helping them to understand how misogyny and sexism have impacted women at the bar. However, she said that “under the current leadership, it’s just not going to be possible”. The charges alleged Dr Proudman had “failed to act with integrity” in posting the tweets, that they amounted to professional misconduct, were “misleading” and “inaccurately reflected the findings of the judge” in the case. The women’s rights campaigner was also accused of behaving in a way “which was likely to diminish the trust and confidence which the public placed in her and in the profession”, and that she “knowingly or recklessly misled or attempted to mislead the public” by making the posts. But panel chairman Nicholas Ainley found her tweets are protected under Article 10 of the Human Rights Act 1998 and the European Convention on Human Rights, which protects the right of freedom of expression. He said her tweets did not “gravely damage” the judiciary, which would “put them outside” of Article 10 protection, even if they “might not have been pleasant for any judge to read” or even “hurtful”. “We take the view that the judiciary of England and Wales is far more robust than that,” he said. The panel also concluded that some of the tweets were only inaccurate “to a minor degree” and not to the extent necessary for a charge of a lack of integrity. Speaking after the hearing, Dr Proudman told the PA news agency: “This ruling is a victory for women’s rights and a right to freedom of speech. “The prosecution against me brought by my regulatory body, the Bar Standards Board, should never have happened and I said that from day one. “I criticised a domestic abuse judgment. Everyone should have the right to do that, whether you’re a barrister or not. Our justice system, which I strongly believe in, is robust enough to withstand criticism from me.” She believes her tweets help “foster confidence” in the justice system, adding: “Only that way can we go about building change and a better treatment for all victims, women and children and men who are affected by domestic abuse.” Explaining that the BSB appears to have spent almost £40,000 “of barristers’ money” on instructing counsel in her case, she added: “I think it’s shameful that they’re using our money to pay for, in my view, malicious, vexatious prosecutions which I have no doubt was a personal attack against me as a woman and as a feminist, as an outspoken critic and advocate for women’s rights.” Dr Proudman called for “systemic change” within the board. “They don’t understand gender, they don’t understand diversity, I don’t think they’ve ever heard of the concept misogyny and certainly not institutional misogyny,” she said. “Until they recognise the deeply rooted, entrenched issue of bullying, harassment, sexism at the bar, for which I have suffered relentlessly... and own up to it I don’t think we’re going to see any change and I have no confidence in them.” She told of how male barristers have called her insulting names on social media and made derogatory comments about her. In the posts on April 6 2022, Dr Proudman referenced a case in which her client alleged she had been subjected to coercive and controlling behaviour by her husband, a part-time judge, meaning she had been “unable to freely enter” the couple’s “post-nuptial” financial agreement. Commenting on the ruling by Family Court judge Sir Jonathan Cohen, Dr Proudman wrote: “I represented Amanda Traharne. “She said she was coerced into signing a post-nuptial agreement by her husband (who is a part-time judge). I lost the case. “I do not accept the Judge’s reasoning. I will never accept the minimisation of domestic abuse.” She continued: “Demeaning the significance of domestic abuse has the affect of silencing victims and rendering perpetrators invisible. “This judgement has echoes of (t)he ‘boys club’ which still exists among men in powerful positions.” In the thread, Dr Proudman wrote that the judge had described the relationship of the couple as “tempestuous”, which she argued was a “trivialisation” of domestic abuse. “Tempestuous? Lose his temper? Isn’t this the trivialisation of domestic abuse & gendered language. This is not normal married life,” she wrote.Samb 0-0 0-0 0, Sulaiman 4-7 1-2 10, N.Tarke 7-15 7-11 24, Williamson 0-12 4-4 4, May 3-11 3-4 9, Lowery 3-8 2-4 8, Embeya 2-2 1-2 5, Hicks 1-2 0-0 2, Jones 1-2 0-0 2. Totals 21-59 18-27 64. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.

A high-profile barrister who was cleared of misconduct over social media posts has called on the head of the Bar Standards Board to resign. Dr Charlotte Proudman, who specialises in family law, had faced a Bar Standards Board (BSB) disciplinary tribunal over a 14-part Twitter thread criticising a judge’s ruling over a domestic abuse case, saying it echoed a “boys’ club”. However, the five charges against the 36-year-old were dropped on Thursday. In an interview with The Times, Dr Proudman described the position of Mark Neale, the board’s director-general, as “untenable” and said its chairwoman, Kathryn Stone, should also stand down. “They need a change, not just in those two individuals, though, because, of course, it seeps down to the rest of the organisation,” she said. She told the paper she “genuinely” wanted to work with the Bar Standards Board in helping them to understand how misogyny and sexism have impacted women at the bar. However, she said that “under the current leadership, it’s just not going to be possible”. The charges alleged Dr Proudman had “failed to act with integrity” in posting the tweets, that they amounted to professional misconduct, were “misleading” and “inaccurately reflected the findings of the judge” in the case. The women’s rights campaigner was also accused of behaving in a way “which was likely to diminish the trust and confidence which the public placed in her and in the profession”, and that she “knowingly or recklessly misled or attempted to mislead the public” by making the posts. But panel chairman Nicholas Ainley found her tweets are protected under Article 10 of the Human Rights Act 1998 and the European Convention on Human Rights, which protects the right of freedom of expression. He said her tweets did not “gravely damage” the judiciary, which would “put them outside” of Article 10 protection, even if they “might not have been pleasant for any judge to read” or even “hurtful”. “We take the view that the judiciary of England and Wales is far more robust than that,” he said. The panel also concluded that some of the tweets were only inaccurate “to a minor degree” and not to the extent necessary for a charge of a lack of integrity. Speaking after the hearing, Dr Proudman told the PA news agency: “This ruling is a victory for women’s rights and a right to freedom of speech. “The prosecution against me brought by my regulatory body, the Bar Standards Board, should never have happened and I said that from day one. “I criticised a domestic abuse judgment. Everyone should have the right to do that, whether you’re a barrister or not. Our justice system, which I strongly believe in, is robust enough to withstand criticism from me.” She believes her tweets help “foster confidence” in the justice system, adding: “Only that way can we go about building change and a better treatment for all victims, women and children and men who are affected by domestic abuse.” Explaining that the BSB appears to have spent almost £40,000 “of barristers’ money” on instructing counsel in her case, she added: “I think it’s shameful that they’re using our money to pay for, in my view, malicious, vexatious prosecutions which I have no doubt was a personal attack against me as a woman and as a feminist, as an outspoken critic and advocate for women’s rights.” Dr Proudman called for “systemic change” within the board. “They don’t understand gender, they don’t understand diversity, I don’t think they’ve ever heard of the concept misogyny and certainly not institutional misogyny,” she said. “Until they recognise the deeply rooted, entrenched issue of bullying, harassment, sexism at the bar, for which I have suffered relentlessly... and own up to it I don’t think we’re going to see any change and I have no confidence in them.” She told of how male barristers have called her insulting names on social media and made derogatory comments about her. In the posts on April 6 2022, Dr Proudman referenced a case in which her client alleged she had been subjected to coercive and controlling behaviour by her husband, a part-time judge, meaning she had been “unable to freely enter” the couple’s “post-nuptial” financial agreement. Commenting on the ruling by Family Court judge Sir Jonathan Cohen, Dr Proudman wrote: “I represented Amanda Traharne. “She said she was coerced into signing a post-nuptial agreement by her husband (who is a part-time judge). I lost the case. “I do not accept the Judge’s reasoning. I will never accept the minimisation of domestic abuse.” She continued: “Demeaning the significance of domestic abuse has the affect of silencing victims and rendering perpetrators invisible. “This judgement has echoes of (t)he ‘boys club’ which still exists among men in powerful positions.” In the thread, Dr Proudman wrote that the judge had described the relationship of the couple as “tempestuous”, which she argued was a “trivialisation” of domestic abuse. “Tempestuous? Lose his temper? Isn’t this the trivialisation of domestic abuse & gendered language. This is not normal married life,” she wrote.Agriculture & Natural Solutions Acquisition Corporation Receives FIRB Approval In Connection with Previously Announced Business Combination