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  • The impact of diabetes mellitus and chronic obstructive pulmonary disease on mortality among people with dementia: a nationwide population-based cohort study | BMC Geriatrics

    The impact of diabetes mellitus and chronic obstructive pulmonary disease on mortality among people with dementia: a nationwide population-based cohort study | BMC Geriatrics

    Main findings

    Dementia, DM, and COPD were all independently associated with increased mortality, however, highest for dementia. Mortality from combinations of either two or all three diagnoses was higher than mortality from the single diagnoses, and highest when dementia was included. Nevertheless, the interaction effect on mortality was lower for all combinations of two, and for the three, diagnoses, and lowest when dementia was included in the combination.

    Comparison with existing literature

    In line with our results, previous studies have shown that older adults with dementia have higher mortality compared to those without dementia [3, 27], and even though we found DM and COPD to be individually related to mortality, individuals with dementia were worse off. Likewise, we found an increased mortality for all combinations of two diagnoses with a particularly high mortality for the combination of dementia and COPD. The combination of lung and mental health diagnoses (including dementia) has earlier been found to be hazardous [11]. In our study, having all three diagnoses concurrently (i.e. dementia, DM, and COPD) was related to the highest mortality, and it is well known that mortality increases with the number of conditions among individuals with multimorbidity, i.e. individuals with two or more chronic conditions [11, 28, 29]. The high mortality related to dementia could be explained by the fact that dementia is more prevalent among the oldest age groups, who often contend with concurring conditions and frailty [30]. Furthermore, the concomitant lower ability to maintain and respond to health advices may play a role [6], since neurological and cognitive functions are required to understand and handle symptoms, including navigating in a healthcare system. Finally, another possible explanation for the high mortality in the dementia group could be that during annual control of a chronic condition in general practice (the patients in our cohort can have other chronic conditions apart from DM, COPD, and dementia), there might be an increased risk of finding a new disease, simply because the patient is examined by a doctor. In that light DM and COPD are typically easier and faster to diagnose in general practice compared to dementia, and are likely identified earlier in the disease trajectory, making them less lethal [31]. Furthermore, it is likely that DM and COPD more often occur among younger persons.

    On the other hand, regular check-ups for DM or COPD might facilitate earlier detection of dementia, however, hypothetically most likely when DM and COPD are less advanced. Additionally, in research on multimorbidity, dementia is only included in about half of the studies [32], which is why knowledge about the interplay of dementia with other chronic diseases remains relatively scarce. Our study quantifies the effects of the different combinations of chronic conditions, which adds to the knowledge about mortality and dementia.

    On the contrary, the interaction effect on mortality was below one for any combination of two comorbidities, with the lowest effect observed when dementia was one of the two. Similar results were found in the aforementioned study on multimorbidity combinations exploring interaction effects, which found lower mortality for mental health diagnoses (where dementia was one of them) in combinations with either lung diagnoses (including COPD) or endocrinological diagnoses (including DM) [11]. However, interestingly the interaction changed direction if the mental health condition appeared before the endocrinological condition, with a resulting slightly higher mortality [33]. In contrast, a British study found no interaction effect among individuals with newly diagnosed stroke in combination with DM and dementia [34]. To the best of our knowledge, no other studies have reported on this interaction effect on mortality for patients with dementia.

    The interaction effect could partly be explained by the higher risk of being institutionalized among persons with dementia [35], a risk that seems independent of other comorbidities [36], and maybe partly explained by the strain dementia puts on family and caregivers [37]. Yet, when individuals are finally institutionalized, they are more likely to receive adequate overall health care for their comorbidities, possibly leading to increased general health benefits, compared to those who are not institutionalized. Finally, the effect could also partially be explained by the care management of chronic diseases mentioned above, also relevant for dementia, with yearly or half-yearly controls in general practice. These controls induce a risk of finding new diseases earlier in the disease trajectories where the clinical signs are few, why the coexistence falsely seems protective [31].

    Strengths and limitations

    One major study strength is that this study was based on a well-defined, large nationwide cohort of all Danish residents. Furthermore, the Danish central registries are overall reliable and well-validated [38], and bias due to non-participation or loss to follow-up can be considered negligible [39]. However, estimates based on hospital diagnoses may underestimate the incidence and prevalence of dementia, DM, and COPD in the general population. To appear in the register patients must be referred to, and visit, a hospital. For example, DM is often well treated and managed in general practice for years or decades and does not necessarily end up in secondary care. To address this underestimation, we have also based our diagnoses on redeemed medications specifically targeting dementia, DM, and COPD in the present study. Despite this, some patients with mild dementia may not have been referred to secondary care, hence not yet received anti dementia medication, and consequently underrepresented in the cohort. Therefore, it is likely that our study is biased towards more severe diseases. However, we believe a higher disease severity would result in excess mortality for disease combinations, which suggest that such bias is unlikely to explain the results of our study.

    We used multivariable Cox regression analysis to adjust for possible confounding. Important lifestyle factors, such as high body mass index and smoking, both of which have been associated with DM and COPD, cannot be obtained from the registers, and it is a limitation that residual confounding cannot be ruled out. However, by adjusting for several socioeconomic factors we believe some lifestyle-related confounding effects are accounted for.

    Our use of the CCI could result in overcompensation, since adjusting for all other comorbidity effects may reduce the real effects on mortality from dementia, DM, and COPD. However, excluding CCI from the analyses did not change the overall conclusions.

    We only analyzed the effect of two comorbidities, DM and COPD, which acted as “model comorbidities” on the mortality of patients with dementia. The comorbidities were chosen because they are common and demanding for both patients and the healthcare system, and therefore likely to be less well-managed by patients with impaired cognition. Still, we cannot rule out that other comorbidities would interact differently with dementia on mortality.

    Lastly, it may be a limitation that we only had a five-year follow-up period. Mortality may be different with longer follow-times. That said, a systematic review and a meta-analysis have shown average survival time after dementia diagnosis to be between approximately 4-5.5 years, depending on type of dementia [40], indicating that our five-year follow-up period is reasonable.

    Implications

    It is well known that patients with dementia have increased mortality. This study shows that dementia, both as single and in combination with other chronic diseases, is related to comparably high mortality. On the other hand, mortality seems lower than expected when dementia co-occurs with DM and COPD, compared to the mortality related to the individual diseases. Although this reduced mortality could be partly explained by diseases found earlier in the disease trajectory it points at something “protecting” in the co-occurrence. This may be due to intensified care for institutionalized patients, the general health benefits of different treatments e.g. smoking cessation, better nutrition, and lipid lowering treatment, as well as increased social contact for these patients. This underlines that there could be a preventable part of the high mortality among patients having dementia in combination with other chronic diseases. Therefore, it is important to improve health factors related both to the development of dementia, but also to chronic diseases [2], e.g. antihypertensive treatment, physical activity, smoking, etc. Consequently, this study adds clinically relevant information valuable to consider when organizing healthcare for patients with dementia.

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  • Small reduction in fuel prices expected from Sept 1

    Small reduction in fuel prices expected from Sept 1

    Motorcyclists waiting for their turn to fill fuel in their bikes at petrol pump on May 16, 2024. — APP
    • Petrol may fall by Re0.61 from Sept 1.
    • Diesel price expected to drop Rs3.13 per litre.
    • Kerosene, light diesel also set to decline.

    ISLAMABAD: Amid devastating floods caused by cloudbursts, landslides, and flash deluges across Punjab — with spillover effects anticipated in Sindh — Pakistan is expected to see a slight reduction in petroleum product (POL) prices from September 1, offering only modest relief to consumers.

    Official estimates suggest petrol may drop by Re0.61 per litre, while high-speed diesel (HSD) could see a larger cut of Rs3.13 per litre. Kerosene oil is projected to decline by Rs1.57, and light diesel oil (LDO) by Rs2.61 per litre.

    These adjustments stem from a marginal decrease in global crude prices. Brent crude was recorded at $67.30 per barrel on August 16, rose to $68.18 on August 18, and then slipped to $66.73 by August 27. Though limited, the easing in international markets has shaped Pakistan’s local pricing outlook.

    Accordingly, the new sale price of petrol may set at Rs264.00 per litre (down from Rs264.61), HSD at Rs269.86 per litre (down from Rs272.99), kerosene oil at Rs176.70 per litre and LDO at Rs159.55 per litre.

    The price cuts come against the backdrop of projections by leading global institutions. Goldman Sachs forecasts Brent to average between $60–66 per barrel through the remainder of 2025, potentially falling into the low $50s in 2026 if supply surpluses materialise.

    Meanwhile, the US Energy Information Administration (EIA) expects Brent prices to dip below $60 per barrel in Q4 2025, with levels hovering around $50 throughout 2026 due to rising global inventories and output.

    The current price of petroleum products includes a significant petroleum levy, carbon levy, freight burden, customs duty and deemed duty.

    Consumers currently pay petroleum levy and carbon levy of Rs80.52 per litre on petrol, Rs79.51 on HSD and Inland Freight Equalisation Margin (IFEM) of Rs8.05 on petrol, and Rs6.20 on HSD. The premiums on petrol looks at $6.37 per barrel, and $3.20 per barrel on HSD.

    Despite the disaster-struck landscape, the marginal reduction in POL prices may provide limited financial respite to households and industries already grappling with high inflation and disrupted supply chains.


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  • Google Confirms Play Store Deletion—Remove Apps On Your Phone

    Google Confirms Play Store Deletion—Remove Apps On Your Phone

    Republished on August 30 with new deletion update for Play Store apps.

    Google has now confirmed the deletion of 77 malicious apps from Play Store. But this is just the tip of an alarming iceberg. In the last year, Google removed “nearly four million apps, equating to approximately 11,000 app removals per day.”

    The data comes courtesy of Surfshark and has been confirmed by Google through its Play Store “transparency reports and supplemental data files.” Surfshark says more than half of the removals were due to “data protection and privacy policy violations.”

    Last year, Google promised to clean up Play Store, a move which has led to the purge of millions of apps. In just the first few months of 2024, Play Store lost almost half its apps due to policy enforcement. And it turns out that in 2024 Google was just getting started.

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    In addition to deleting apps, “Google reported terminating approximately 155,000 developer accounts in 2024.” And that was just on Play Store. The new mandate for developers to be verified is being extended to sideloading. That means only developers meeting Google’s criteria can release apps for certified Android phones.

    Google advises that “if you are looking for an app that is no longer available on Google Play,” it may be because the developer has withdrawn it, but it’s more likely that it has violated Google’s policies and was “removed or suspended from Google Play.”

    That’s where it gets interesting. Google warns that even “if an app is removed’ from Google Play “it will not be removed from your device.” This means “you can continue to use the app. However, you will not be able to update your app.”

    If the app is deemed dangerous, it may trigger a Play Protect warning and a prompt to delete it. But most apps removed from Play Store will still be on your phone. If you see that an app cannot update because it’s no longer on Play Store, remove it. Even if it’s not dangerous, it cannot be updated and so any security fixes cannot be applied.

    Similarly, you should purge your phone of apps you no longer use or need (or both). As Surfshark says, “the responsibility falls on users to practice safe downloading habits. This includes checking app permissions, reading reviews, and sticking to well-known developers.” If an app has been removed from the store, remove it from your phone.

    “This is a staggering digital purge that goes unnoticed by the public,” Surfshark told me. “While it may create the illusion that every app we download is safe, the reality is a bit more complex.” Don’t leave these apps on your phone.

    Meanwhile, removing apps is about to get easier, Per Android Authority, “Google is testing an ‘Uninstall’ button directly within individual app listings in Play Store. This button,” it says, “will make it easier to remotely uninstall apps from other devices.”

    ForbesIf You See This Number On Your Phone, Your Gmail Is Under Attack

    Currently you can remotely install apps on other devices. But when it comes to uninstalling apps, it’s more painful than it should be. You need to visit “Manage apps & devices” and then select the list of apps installed on one of your devices. The use the trash icon as required to remove them ones by one.

    The pre-release code suggests a dedicated Uninstall button on each app listing. But there’s a catch, Android Authority says. “If you want to remotely uninstall multiple apps, the currently existing method is still easier and straightforward.”

    As for the new set of deletions, Zscaler’s ThreatLabz team says “the latest variant of Anatsa targets over 831 financial institutions worldwide.” It has “identified and reported 77 malicious apps from various malware families to Google, collectively accounting for over 19 million installs.” These are the latest apps Google has confirmed removed.

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  • US Tariffs: Swiss Gold Industry Lobby Rejects Idea of US Relocation

    US Tariffs: Swiss Gold Industry Lobby Rejects Idea of US Relocation

    Switzerland’s trade group for gold refiners opposes a relocation of some operations to the US to ease a trade imbalance between the countries and help tariff negotiations, newspaper Neue Zuercher Zeitung reported.

    The government is trying to find ways to get President Donald Trump to lower his 39% tariff on Switzerland, which is damaging companies and the economy. There have been suggestions that moving gold refining capacity to the US would be an option to appease Trump.

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  • James Webb’s infrared eyes uncover Butterfly Star’s dusty birthplace

    James Webb’s infrared eyes uncover Butterfly Star’s dusty birthplace

    When you think about how our own Earth formed billions of years ago, the picture is still a mystery filled with many many gaps. Astronomers know that stars are born in giant clouds of gas and dust, and that planets come from the swirling disks left behind. 

    However, looking deep into these swirling cradles of planet formation has always been tricky. Dust hides what lies inside, and even the most powerful telescopes until recently struggled to uncover the fine details. 

    Now, NASA’s James Webb Space Telescope (JWST), working together with the Hubble Space Telescope, has provided a breathtaking new look at IRAS 04302+2247, also called the Butterfly Star. 

    About 525 light-years away in the Taurus star-forming region, this young protostar is surrounded by a massive protoplanetary disk stretching 65 billion kilometers across, several times wider than our solar system. 

    Webb’s detailed images of such disks are helping researchers understand how dust evolves into planets, giving them valuable insights about what happened 4.5 billion years ago when our own solar system took shape.

    Capturing the butterfly star

    To study this stellar nursery, astronomers used Webb’s Near-Infrared Camera (NIRCam) and Mid-Infrared Instrument (MIRI), combined with Hubble’s optical observations. Together, they captured IRAS 04302’s disk in extraordinary detail. 

    The disk is oriented edge-on from our point of view, which means Webb sees it as a thin dark band blocking the bright light of the growing star at the center. 

    Instead of rings and spirals (which we notice when disks are viewed face-on), this angle reveals the disk’s vertical structure, its thickness, and how dust grains are settling toward the midplane. This settling process is critical because it allows grains to clump together and grow into the building blocks of planets. 

    “The thickness of the disc is a measure of how efficient this process has been,” the ESA team notes.

    What makes the Butterfly Star so striking are the two luminous wings of nebulous gas and dust that appear on either side of the disk. These reflection nebulae shine because light from the protostar bounces off them, creating the butterfly-like shape. 

    The dark streak across the middle is actually the dense lane of dusty gas that cocoons the young star, making it easier for Webb to detect the faint features around it. Hubble, on its part, highlights clumps and streaks near the dust lane, showing that the star is still actively feeding on material from its surroundings while also releasing jets and outflows.

    “Together, these powerful facilities paint a fascinating multiwavelength portrait of a planetary birthplace,” the ESA team added. They have declared the new view of the IRAS 04302+2247 Picture of the Month.

    Protoplanetary disks are of great significance

    The project is a part of Webb’s GO program #2562, which focuses on four protoplanetary disks that happen to be aligned edge-on, providing a unique chance to measure how efficiently dust is growing and settling in these environments. 

    Webb’s sharp infrared vision is crucial here, as it reveals the distribution of very small dust grains and traces light scattering far away from the disk. By mapping the Butterfly Star’s protoplanetary disk in such detail, astronomers are piecing together one of the most important puzzles in planetary science. i.e., how simple dust and gas turn into planets. 

    Understanding this process doesn’t just explain our own origins, it helps scientists predict how common Earth-like worlds might be around other stars. 

    Moreover, this achievement also highlights the importance of looking at disks from multiple angles. While face-on views show structures like rings and gaps, the edge-on views expose how dust settles vertically. Both perspectives are needed to build a complete picture.

    The next goal of the researchers is to expand their survey to more protoplanetary disks, using Webb’s sensitivity to track dust growth at different stages.

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  • Exercise and therapy can mend a broken heart, study suggests | Health

    Exercise and therapy can mend a broken heart, study suggests | Health

    Doctors may have discovered the secret to mending a broken heart in a world-first clinical trial.

    Hundreds of thousands of people worldwide are living with takotsubo cardiomyopathy, known as broken heart syndrome, which causes the heart muscle to change shape and suddenly weaken. It is usually triggered by severe emotional or physical stress, such as losing a loved one.

    Patients may experience symptoms similar to a heart attack and face twice the risk of dying early compared with the general population. Some experience heart failure, resulting in debilitating symptoms such as fatigue, as well as a shorter life expectancy. There is no cure.

    But now, doctors may have the answer. The world’s first randomised controlled trial for broken heart syndrome has found that 12 weeks of tailored cognitive behavioural therapy, or a heart recovery exercise programme involving swimming, cycling and aerobics, helped patients’ hearts recover.

    Details of the breakthrough were revealed at the European Society of Cardiology annual congress in Madrid, the world’s largest heart conference.

    Dr David Gamble, a clinical lecturer in cardiology at the University of Aberdeen, who presented the research, said: “In takotsubo syndrome, there are serious effects on the heart, which may not return to normal. We know that patients can be affected for the rest of their lives and that their long-term heart health is similar to people who have survived a heart attack.”

    The trial data highlighted the importance of “the brain-heart axis”, Gamble said.

    “It shows that cognitive behavioural therapy or exercise could help patients along the road to recovery. Both are very cost-effective interventions, and we hope that further studies could lead to them being used to help this underserved group.”

    The study involved 76 patients with takotsubo syndrome, 91% of whom were women and the average age was 66. Patients were randomly assigned to receive CBT, the exercise programme, or standard care. All received all other care and treatment recommended by their cardiologist.

    The CBT group had 12 one-to-one weekly sessions, adapted specifically to their condition by the researchers, as well as daily support if needed.

    The exercise group went through a 12-week exercise course, which included cycling machines, treadmills, aerobics and swimming, gradually increasing in number of sessions and intensity each week.

    Researchers used a sophisticated imaging technique called 31Pmagnetic resonance spectroscopy, which allowed them to study how patients’ hearts were producing, storing and using energy. In the CBT and exercise groups, there was a significant increase in the amount of fuel available to patients’ hearts to allow them to pump, which was not seen in people who had usual care.

    The average distance that patients that had CBT could walk in six minutes increased from 402 metres to 458 metres. People who completed the exercise programme were able to walk an average of 528 metres in six minutes, compared with 457 metres at the start.

    There was also an increase in patients’ VO2 max – their body’s maximum oxygen consumption at peak exercise – of 15% in the CBT group and 18% in the exercise group. Increases in walking distance and VO2 max are signs of improvement in health.

    The findings suggest the treatments could produce long-term benefits such as reducing symptoms and the risk of dying for those with broken heart syndrome, experts said.

    Dr Sonya Babu-Narayan, a clinical director at the British Heart Foundation, which funded the trial, said: “Takotsubo syndrome can be a devastating condition that can affect you at a really vulnerable time if triggered by a major life event.

    “People may not be as surprised that an exercise programme helped heart patients, but it is intriguing that this study also showed that cognitive behavioural therapy improved heart function and patients’ fitness. More research is needed to find out whether these approaches improve survival or symptoms over the long term.”

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  • ‘The app’s like candy’: how Wagestream borrowers felt trapped | Borrowing & debt

    ‘The app’s like candy’: how Wagestream borrowers felt trapped | Borrowing & debt

    When Andy, a server in Pizza Express, found himself in financial hot water before payday, getting a cheap advance on his wages was easy. Pizza Express, like hundreds of other employers with low-wage workers – including Asda, Next, Superdrug, Burger King and a number of NHS trusts – had struck a deal with the “financial wellbeing” app Wagestream, giving workers access to a suite of services including its key moneymaker: salary advance.

    For just £1.75 per withdrawal, Andy could take up to half of his wages early, with the agreement that he merely gave up the sum at payday. But the cheap, easy-to-use service meant he was soon falling behind.

    So when Wagestream launched “workplace loans” this year, a service that offered borrowers up to £25,000, he jumped at the chance to balance his finances, knowing he was unlikely to get approved for a loan elsewhere.

    But at 29.9% APR, the £1,000 loan he received was not exactly cheap. And as with its wage advance scheme, his repayments were automatically deducted from his pay; the lender’s returns were secured before Andy’s paycheck even hit his bank account, and before he had paid other essential bills.

    Andy is concerned about how easy it was to slip into debt, particularly through an app marketed through his employer as an “essential service”. “It is easy to fall into a negative pattern, streaming wages early,” Andy told the Guardian. “But imagine streaming wages and also loan payments. You could end up being a wage slave, having to work just to pay your debts back.”

    And he is not alone. A growing number of debt campaigners and unions are raising concerns about the rise of so-called workplace loans being offered by salary advance firms that have largely avoided public scrutiny.

    Wagestream was launched in 2018 by Portman Wills, now its chief technology officer, and Peter Briffet, its chief executive – who both retain a stake – bursting on to the scene with an aim of eradicating a payday lending sector that was teetering on the brink of collapse.

    That was the year that Wonga, the now-reviled payday lender that charged extortionate interest rates topping 5,000%, fell into administration. It was a spectacular fall from grace, with Wonga once having been feted as a digital innovator and backed by the UK’s largest charity, the Wellcome Trust.

    Wonga’s demise and the backlash that followed left a gap in the market for more ethical lenders willing to serve low-wage earners. Wills and Briffett started building a financial app that they said would destroy the poverty premium, referring to a phenomenon where some of the poorest pay disproportionately higher fees for services and loans.

    They started with cheap wage advances – an unregulated product in the UK – but also offered budgeting tools, savings pots and financial coaching alongside its money-making proposition.

    They issued a social charter and branded Wagestream as a “financial wellbeing company”, helping to secure backing from high-profile charities including the Joseph Rowntree Foundation and Barrow Cadbury Trust through the Fair By Design investment fund, who were keen to see Wonga alternatives enter the market. The UK government-owned British Business Bank’s venture capital subsidiary, British Patient Capital, also invested in the lender, which clinched ethical B-Corp status in 2022.

    But Wagestream itself is not a charity and its investors, including the former Wonga investor Balderton Capital, will eventually expect to see returns. Other shareholders include the venture capital funds Northzone, QED, Smash Capital and BlackRock.

    Wagestream is still loss-making, having last reported a £22.2m pre-tax loss in 2024, despite handing out 20.6m wage advances worth a total of £1.5bn. But loans could be the key to supercharging its earnings, having so far relied on fees – both from some employers and millions of staff accessing its wage advances. It said growing revenues in the upcoming year would outpace costs and start “moving the business towards profitability in future periods”.

    When asked whether Wagestream had always planned to branch into more lucrative interest-charging loans, Briffet told the Guardian: “Our vision is to provide pretty much all financial services that are feasible through the employer.”

    About 15,000 people have taken out one of Wagestream’s “workplace loans” so far, with most borrowing between £2,000 and £5,000, repaid over 24-36 months. While workers can take out only one loan at a time, this could change in future if the company deemed it to be “appropriate”, Emily Trant, Wagestream’s chief impact officer, told the Guardian. The wider rollout of loans is being funded through a £300m debt deal with the US bank Citi.

    It is not clear which of Wagestream’s clients are offering loans to their workers. But with few rivals in the UK, Wagestream workplace loans have an almost unique position, with its closest being a company called Salary Finance.

    By working through employers, Wagestream can directly market loans to workers already familiar with its streaming model. It can gain exclusive access to granular payroll data that can help it offer competitive interest rates. By automatically taking workers’ repayments directly out of wages, it is in an enviable position among lenders, in effect guaranteeing that debts are repaid. Direct debit payments are allowed but are not the default arrangement.

    The debt charity StepChange warned that lenders that deduct payments from wages needed to be alert to the riskthat borrowers could end up resorting to “additional borrowing, cutting back on essentials and missing bills”.

    Wagestream says representative APR on workplace loan is between 13.9% and 19.9%, meaning at least 51% of borrowers will get that rate. But the ultimate cap is negotiated with each employer, topping out at 34.9% APR. Wagestream insists that its model still saves borrowers an average of £593 per loan, with customers having been charged an average APR of 62% by former lenders before turning to the app.

    But the confluence of streaming and loans is causing concern, even among borrowers. Another Pizza Express worker told the Guardian that July was the first time in nine months that he had not accessed part of his pay early. “The temptation is there and once you start it is very hard to get out of the cycle,” he said. “I don’t have the willpower – and to stop yourself, it’s on you.”

    He was concerned about the availability of Wagestream’s loans, particularly as they have “quite high interest rates”. He added: “I try to stay away from it. It feels like it’s a trap. It’s too readily available and like eye candy. You open the app and there are a lot of bright colours.”

    A PizzaExpress spokesperson said staff had had access to Wagestream since November 2021, and it was part of a “range of tools our team members can use”. They added: “Participation is entirely voluntary and PizzaExpress does not pay for the platform nor receive any financial incentives for team members using any of the services.”

    Wagestream bosses said they did not consider how much or how often customers were taking wages early through its core service when assessing whether customers could afford its loans. “We don’t view streaming as credit. It’s a different way that somebody is managing their day-to-day payments,” Trant said. “So it really doesn’t factor into affordability.”

    Wagesteam later said in an emailed statement that salary advance habits were part of a wider assessment of loan applications, but it refused to provide any further information when the Guardian requested clarification.

    Part of the issue is that this type of loan, while regulated in the UK, is so new that there is little to no data on the long-term impact on vulnerable borrowers.

    In the meantime, debt and financial inclusion experts say wage advances or “streaming” should be viewed as loans. “These services should always be referred to as loans or credit as that’s exactly what they are. Using terms like ‘streaming’ or ‘salary advance’ can downplay the fact that people are borrowing money,” said Mick McAteer, a former FCA board member and a co-founder of the Financial Inclusion Centre research organisation. “Any form of credit could be called ‘salary advance’.”

    Wagestream’s website is peppered with claims that using its platform, which includes savings and budgeting tools, boosts retention and working hours. When asked if that was a result of people needing to work more to repay their debts or catch up on streaming, Wagestream disagreed and said it was in part a result of its real-time app showing how much workers earned per hour and boosting overall financial engagement with staff.

    Ascension, which manages the Fair by Design Fund through which the Joseph Rowntree Foundation became an early-stage investor, said it “recognised the concerns raised” about Wagestream’s loans but that its priority was finding “more affordable, responsible alternatives” to costly payday or doorstep lenders by “using stronger data and affordability checks than were available before”.

    It added: “This is not a substitute for fair wages or a robust welfare system, but it can help reduce reliance on the most harmful forms of credit.”

    A Joseph Rowntree Foundation spokesperson echoed those comments, saying the government needed to ramp up efforts to support families in financial hardship to help end dependence on unaffordable credit. “For now, the need for credit among those living in hardship continues. Against this backdrop, there is a role for responsible and impact-focused lenders to help families manage the cost of essentials during periods of hardship.”

    Wagestream said it applied “rigorous affordability and underwriting criteria to every loan issued. Our comprehensive lending assessment includes detailed information from payroll, open banking, credit bureaux, and usage of other Wagestream products.

    “Wagestream was founded on a social charter to improve workers’ financial wellbeing. By partnering with employers, we help people who are underserved by traditional financial institutions to earn, learn, save, spend and borrow on their own terms.”

    *Names have been changed

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  • BlueCo connections! Ben Chilwell targeted by French side Strasbourg as Chelsea look to get England international off their books

    BlueCo connections! Ben Chilwell targeted by French side Strasbourg as Chelsea look to get England international off their books

    • Chilwell wanted by Strasbourg
    • Chelsea try to sell left-back
    • Not part of Maresca’s plans

    Follow GOAL on WhatsApp! 🟢📱

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  • When To See Venus Dance With A Beehive Of Stars On Monday

    When To See Venus Dance With A Beehive Of Stars On Monday

    Skywatchers brave enough to get up early on Monday morning will get the rare sight of a bright Venus close to one of the most beautiful open clusters of stars in the night sky. Earth’s sister planet will dominate the pre-dawn night sky, with the Beehive Cluster — also called M44 — visible in the same field of view in a pair of binoculars. Here’s how to see them together.

    Where And When To Look

    On Sunday, Aug. 31, be outside about 90 minutes before sunrise, facing east. In a clear sky, you’ll see Venus — now 84%-lit, as seen through a telescope — shine as by far the brightest object in that part of the sky (-3.8 magnitude). Close to its lower-right will be the Beehive Cluster, easily visible through binoculars.

    Although Venus will shine brightly until sunrise, the Beehive Cluster will disappear from view as dawn breaks, so don’t delay — you need to see this match-up in darkness.

    What You’ll See

    If you’ve not seen Venus for a while, it’s worth admiring in the pre-dawn sky — particularly because it’s now past its best and will continue to shrink and lessen in brightness for the rest of the year. It will dominate the night sky, yet it’s rare for it to get so close to the Beehive Cluster, which, by contrast, will be a more tenuous sight. It’s in the faint constellation Cancer, between two bright stars — Regulus in Leo and Pollux in Gemini — and a pale yet dense cloud of stars.

    Observing Tips

    While Venus is best seen with the naked eye (it’s only worth seeing in a telescope when it’s a slim crescent), the Beehive Cluster is one of the main reasons why experienced stargazers prioritise binoculars, not telescopes. Use any pair for this duo, placing them below and to the left of Venus, preferably when the sky is dark, before dawn strikes.

    What’s Next In The Night Sky

    A five-planet “parade” is happening in the east an hour before sunrise this week. It’s dominated by Jupiter and Venus, with Saturn in the south, all three of which are visible to the naked eye. Neptune (close to Saturn) and Uranus require a telescope to see.

    Although the Beehive Cluster becomes a fabulous binocular object in spring evenings, its next conjunction comes on Oct. 5, 2026, when a crescent moon will pass through it in the east before dawn.

    For exact timings, use a sunrise and sunset calculator for where you are, Stellarium Web for a sky chart and Night Sky Tonight: Visible Planets at Your Location for positions and rise/set times for planets.

    Wishing you clear skies and wide eyes.

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  • Hamzah Sheeraz Carries Kronk-Like Power

    Hamzah Sheeraz Carries Kronk-Like Power

    Andy Lee believes Hamzah Sheeraz, the man dubbed “The British Tommy Hearns,” would have fit right in at the Kronk Gym due to his “shocking” power.

    England’s Sheeraz linked up with Lee earlier this year in the wake of his disappointing draw with WBC middleweight champ Carlos Adames on February 22 at ANB Arena in Riyadh, Saudi Arabia. The new relationship paid immediate dividends as Sheeraz crushed Edgar Berlanga inside five rounds July 12 in Queens, New York – just shy of five months after the Adames fight.

    It was the perfect start to life under Lee for Sheeraz, who moved to 22-0-1 (18 KOs) and within touching distance of a fight with Canelo Alvarez as a result of the victory.

    Although the Berlanga victory came at the end of his first camp in Dublin under Lee, the highly rated coach was not willing to take any credit for the win. Lee suggested that it was Sheeraz’s inherent qualities that secured it.

    Lee, who trains other noted punchers like Joseph Parker and Ben Whittaker, admitted that the first time he took Sheeraz on the pads it surprised him.

    “His punching power is truly shocking,” Lee told The Ring. “Hamzah can punch like hell. It really took me by surprise. His left hand is … the only way I can describe it is shocking when he hits you on the pads.

    “And then when it comes to sparring, I see it every time because these guys get in the ring with all these ideas and then the first jab lands and you see their expression change immediately.”

    On the Berlanga victory, which included two knockdowns in the fourth round before the finish came in the fifth, Lee added, “I don’t think you saw any of the real stuff we did in training.

    “And I think the stuff that knocked Berlanga out, Hamzah always did that. He could always put his hands up and go forward and dig in.”

    It was Sheeraz’s promoter, Frank Warren, who first offered the practically unknown youngster professional terms back in 2017, who labelled him “The British Tommy Hearns” due to his tall, wiry frame, long levers and concussive power.

    Lee trained under the late Emanuel Steward and spent many years at the Kronk Gym in Detroit, where Hearns made his name. He is therefore well placed to comment on Warren’s suggestion.

    The Irishman, a former WBO middleweight champion, said, “It’s an obvious comparison just because of the size and the height and the power.

    “But it’s also the attitude … Just wanting to just hurt somebody. Hamzah would have fitted in alright at the Kronk. He would have been perfect in the basement.”

    Sheeraz is not yet back in the gym and it is not clear when he will fight again. He has been strongly linked to a showdown with Alvarez in 2026 should the Mexican superstar successfully navigate his super fight with Terence Crawford on September 13. There is also the chance that Sheeraz will look to box once more in the interim.

    But Lee thinks the real improvement will begin in their next camp, now that Sheeraz has adapted to the training methods properly.

    “Once he comes back,” Lee said, “it will probably take a couple of weeks of building back to where we were and where we left off. Then we’ll have the luxury of working on some of the finer points. We’ve kind of grasped the essence of it now. He just needs to know the basics and then he’s going to get the more flashy stuff, I guess.

    “Before he came here, I didn’t really study him much, to be honest with you. I just knew he was coming and thought I could have a positive impact. But just listening to him and hearing all the stories and how he trains, he’s been through the trenches.”

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