Less than half (47%) of children and teenagers aged seven to 17 have received a meaningful financial education, according to a Government-backed body. The Money and Pensions Service (MaPS) estimates from its findings that around 5.4 million children across the UK do not have the money skills they will need in adulthood. Children living in social housing, rural areas and in lower income households were found to be less likely to have received a meaningful financial education. And children with parents or carers with mental health conditions tend to be less likely to have received a meaningful financial education than the UK average, the findings indicate. The measure of meaningful financial education is based on the percentages of young people who recall receiving financial education at school that they considered useful, and/or received regular money from parents or work, with parents setting rules about money and handing over responsibility for some spending decisions. Research was conducted for MaPS between late summer and autumn 2022 across the UK by Critical Research, among more than 4,700 children and young people aged seven to 17 and their parents or carers. The proportion of children and teenagers found to have received a meaningful financial education is similar to 2019, when the figure was 48%. The report said: “When interpreting these results, it is worth remembering the disruption to education and normal life caused by the Covid-19 pandemic potentially limited opportunities for children to receive a meaningful financial education at school and/or home over the last three years. According to the latest findings, a third (33%) of children recall learning about money in school and finding it useful, and nearly a quarter (24%) have received key elements of financial education at home. It is worth remembering the disruption to education and normal life caused by the Covid-19 pandemic Money and Pensions Service report Only 10% reported having both, suggesting that children and young people tend to receive meaningful financial education either at home or at school and not as “joined-up” financial education, the report said. Younger children aged seven to 11 continue to be less likely to have received a meaningful financial education than older children aged 16 to 17, according to the report. Children in Scotland are the most likely (52%) to have received a meaningful financial education, the report indicated, followed by those in Wales (51%), England (46%) and Northern Ireland (43%). Those in Wales (79%) are more likely than those living in the UK (71%)as a whole to receive regular money from parents/carers or work, according to the research. As part of its UK strategy for financial wellbeing, released in 2020, MaPS is aiming for two million more children aged five to 17 to receive a meaningful financial education by 2030. It is urging parents to talk to their children about money and combine it with everyday experiences, such as food shopping, budgeting and wages from a part-time job. Our experiences in childhood prepare us for adulthood and learning about money is no different Sarah Porretta, Money and Pensions Service To help with this, MaPS offers free resources such as “talk learn do“, an online tool that helps parents to start the conversation. The MaPS, which is sponsored by the Department for Work and Pensions (DWP) and funded by levies on the financial services industry and pension schemes, added that teachers, school leaders and governors should work together to deliver financial education in classrooms. It is also calling on financial services and funders such as charitable trusts to increase their investment in the delivery of financial education. Sarah Porretta, executive director at MaPS said: “These figures will alarm everyone in financial education because more than five million children could be going without. “Our experiences in childhood prepare us for adulthood and learning about money is no different. It becomes a part of daily life and our financial decisions can bring real benefits and profound consequences, so it’s crucial to learn from a young age. “The race is on to educate the nation’s children and everyone, from banks and building societies to foundations and financial institutions, has a big part to play. “Parents and schools can also make a huge difference by combining money skills with everyday experiences, both inside and outside the classroom.” Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Harry Potter star Miriam Margolyes makes British Vogue cover debut aged 82 Toff: Drinking mindfully is a gift to yourself Should you sleep naked? Heatwave myths debunked

Miriam Margolyes says she “never had any shame about being gay” as she makes her British Vogue cover debut aged 82. The award-winning actress, known for her foul mouth and lovable eccentricity, said gay people are “not conventional” and she “wouldn’t want to be straight for anything”. Margolyes is known for a wide range of work in the TV and film industry, including roles in Blackadder, Babe and the Harry Potter franchise. She features along with other “LGBTQ+ pioneers”, including Ncuti Gatwa and Emma D’Arcy, in the July edition of British Vogue. In an accompanying interview, she discusses her sexuality and says she has always tried to “make people feel good about themselves”. “It’s a strong position if you’re not afraid to be who you are,” she said. “We’re all so insecure. People are frightened such a lot of the time and what I’ve always tried to do… (is) make people feel good about themselves.” Margolyes came out as a lesbian in 1966, a time when homosexuality was illegal, and lived through the HIV crisis of the 1980s – during which she lost 34 friends. She has been with her partner – academic Heather Sutherland – for 54 years. “I never had any shame about being gay or anything really,” she told British Vogue. “I knew it wasn’t criminal because it was me. I couldn’t be criminal.” She added: “I think gay people are very lucky, because we are not conventional, we are a group slightly apart. It gives us an edge. “We’re good artists, we’re good musicians. And I like being gay. I wouldn’t want to be straight for anything.” The full interview with Miriam Margolyes can be read online on British Vogue’s website.

When you think back to Made In Chelsea’s heyday, it seemed to be all champagne, kisses, debauchery and parties. But Georgia Toffolo, 2017 Queen of the Jungle and close pal of Stanley Johnson, says she often wasn’t drinking champagne at all. “We were always photographed with glasses of champagne in our hands, but mine was normally a non-alcoholic version,” the 28-year-old explains. “I don’t know whether people really know this.” At that time, the nation’s relationship with alcohol was in the spotlight, and how well we looked after our wellbeing became more important. Things began to change around her, says Toffolo. “People became more aware of their habits – both negative and positive. And as I was in my early 20s, I was able to ride that wave. “My attitude to wellbeing has changed hugely. I try to get balance and moderation, which is a constant battle, whether I am looking at how I eat, drink, work, or exercise. In my early 20s, it was so manic and I tried to work all the hours God sent, so the theme of my mid-20s has been trying to find moderation,” she explains. That moderation has become pertinent to her drinking habits. “I am a mindful drinker. I have been drinking since I was 18, but over the past three years, I have really tried to be more mindful.” She’s not the only one. According to new research by Harrogate Spring Water, 61% of adults are intending to try drinking in moderation in the coming months – a campaign Toffolo is supporting by debuting a new 0% summer cocktail, The Royal Raspberry Spritz, at Royal Ascot on Tuesday, June 20, at The Harrogate Spring Water Mindful Drinking Bar. A lot of people, Toffolo says, “are interspersing alcoholic drinks with non-alcoholic drinks, which is exactly what I do. “Ascot is like my Christmas. I go every day of every year but it can be a really long week,” she explains. “People go racing for so many different reasons, but you want to be on flying form. I drink loads and loads of water, feel super hydrated and feel great the next day. I spruce it up with a bit of basil or elderflower.” And because she sticks to mindful drinking, hangovers are a thing of the past, says Toffolo. “It doesn’t feel like it’s a chore, it doesn’t feel like I am losing out on anything, it is a gift to yourself. My mindset and my relationship with alcohol is so much healthier.” Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Should you sleep naked? Heatwave myths debunked 7 hay fever hacks to ease your symptoms this summer The pests you really don’t want invading your garden and how to deter them

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As if 2023 wasn’t hard enough, Americans are now drinking as much alcohol as they did during the Civil War days. A new report from the National Institute on Alcohol Abuse and Alcoholism (NIAAA) has found that the average American drinks about the same amount of alcohol as people did in 1860. In 2021, Americans consumed 2.51 gallons of ethanol – the alcohol found in wine, beer, and spirits – compared to 2.53 gallons at the brink of the Civil War. That amount, which doesn’t include water or other ingredients found in alcoholic beverages, marks a 60 per cent increase in liquor consumption compared to the mid-1990s. Americans have also changed their taste for alcohol. The amount of beer consumed has dropped nearly 20 per cent since 1995, while wine has steadily become America’s drink of choice. Now, 50 per cent more Americans are drinking wine than they did in the mid-1990s. This isn’t the only time the United States has seen staggering levels of alcohol consumption. In 1934, following the repeal of the Prohibition Act, Americans were drinking one gallon of ethanol per person. At the end of World War II in 1945, Americans reached 2.3 gallons. This, compared to 2.8 gallons in 1980, when alcohol consumption was at its highest. The rise in alcohol consumption may also have to do with a key demographic: women. In March, it was revealed that women in the US are out-drinking men for the first time in history. Dr George Koob, director of the NIAAA, recently told the Washington Examiner that binge drinking among college students are to blame. “In 2021, there has been an uptick, particularly among women. Now it turns out on college campuses women are actually binge drinking more than men, for the first time in history,” he told the conservative media outlet. The Covid-19 pandemic also saw a dramatic shift in alcohol consumption, as most states declared liquor stores were considered “essential businesses”. In 2020, the first year of the pandemic, sales of alcohol increased by 2.9 per cent, the biggest annual increase in more than 50 years, according to the NIAAA. Now, with college campuses back in session and local bars open again, Koob attributed the rising trend of women binge drinking to the “alcohol deprivation effect” – in which people “rebound in drinking” after a period of abstaining from alcohol. “A standard drink is 1.5 ounces of vodka, 12 ounces of beer, or five ounces of wine,” he said. “When you go past a standard drink, you really are getting to the point where alcohol ultimately becomes a toxin. You can easily overdose.” The Centers for Disease Control and Prevention (CDC) says that it’s safe for women to drink no more than one standard alcoholic beverage a day, and no more than two for men. However, binge drinking usually corresponds to five or more drinks on a single occasion for men, while four or more drinks on a single occasion for women. Read More Moderate alcohol consumption may lower stress, reduce heart disease risk, study finds Man dies after eating raw oysters from Missouri seafood stand Hip surgery policies based on weight ‘worsen health inequality’, study warns TikToker cooks rack of ribs in hotel bathroom using only items from his room BBQ salad recipes without a soggy lettuce leaf in sight How to shop for and cook Japanese food at home like a pro

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A woman who says she was pronounced dead for three minutes after battling with heatstroke has reflected on the experience, and the “strange anomalies” she has experienced since. When Jade, 36, visited a friend during a summer afternoon in Green Bay, Wisconsin, she didn’t expect for her life to be hanging in the balance only hours later. According to Jade, on the day in question, the temperature reached 89.6F, and with the high humidity, it made it feel “unbearable.” Soon after, she started experiencing frequent bouts of nausea, dizziness, dry mouth and exhaustion, which caused her to collapse on the living room sofa. As Jade was rushed to the hospital, medics pronounced her dead for three minutes and said the culprit was heatstroke. Now, in a bid to raise awareness, she’s shared her story on TikTok, where she’s received more than 191,000 views and over 20,000 likes, and where she said the experience has made her “unafraid” of death. “I had experienced an extreme fear of dying prior to this incident, but when it actually happened, I had zero fear,” the content creator, from Wisconsin, told NeedToKnow.co.uk. “I remember feeling consistently yucky and really gross. I was rundown, lethargic and sick to my stomach, with my mouth bone dry. “I went out to smoke and the moment that I finished and stood up, I knew I was in trouble. My priority immediately became getting back inside and I don’t think I understood at this point that I was dying, but I did understand that I was going down.” Jade recalls stumbling into the apartment and slumping onto the couch, before making a gurgling sound. She said: “Everything must have happened in a matter of moments, but it felt like much longer and this profound feeling of utter sickness hit me like a tonne of bricks. My head felt like it was inflating, yet my entire body as if it was shrinking. I had never known anything like it before. “It made me completely okay with dying because I wanted to sleep forever. Then, everything went black and that was the moment I knew I was about to pass away.” Jade was rushed to St Vincent’s hospital via ambulance, where she was revived via a defibrillator. As she arrived, she fell in and out of consciousness, but imaging tests of her head were carried out, along with blood tests and electrocardiograms, a test to check the heart’s rhythm. Over the next four days, she received injections to prevent blood clots and soon, medics told her she had been pronounced “dead” for three minutes on arrival with heatstroke. In the clip, she reflects on the experience and the “weird” occurrences which have happened to her since. Users flocked to the comments to share their reactions, with many detailing their own similar experiences. “I fainted TWICE that summer,” one person said, while another said: “I was pregnant that summer. The heat was HORRIBLE!!!” “Your story was very interesting. Glad you’re safe,” another person added. “Was it scary? What did you see? I really panic about the thought of death,” someone else asked. Jade was born with Wolff Parkinsons’ White and postural tachycardia syndrome, which both cause abnormalities with increased heart rate. Often, she feels like she’s going to “throw up” her heart and sometimes experiences extreme shakiness as well as fainting spells. Due to this, she finds intense heat triggers these episodes and while her near death experience in July 2011 hasn’t made these worse, she believes they were a contributing factor. “My symptoms are still mild, but I have been getting new ones, such as a low grade fever and muscle weakness,” she said “I’m not sure if these are related to the heatstroke. “I’m still waiting for a final diagnosis, as this has only occurred after my incident, but I will always fight for myself and my life.” Since then, Jade has also suffered with frequent seizures, which she had never had prior to the incident. She said: “At first, I thought it was heatstroke again, but I just passed out and doctors believe it’s because I’m still so exhausted from all the anxiety of almost dying. But, I have been admitted a few times for these and I’ve had tests such as MRIs and more blood work done, as well as seeing a neurologist and I’ve been diagnosed with epilepsy. “Now, I don’t have them so much, but I’ve been in touch with other near death experience survivors who said they had seizures for a while after, but then they suddenly stopped.” Jade has also experienced other “strange anomalies” such as not being able to wear regular watches, as they would stop working once she put them on. She said: “It wasn’t something that happened before and the only watches that are safe are expensive smart watches. I’ve given up on them entirely, but vape pens also shut down even with a full battery. “I’ve also had a lot of spooky things happening, such as hearing voices and seeing things that aren’t there. Sometimes it’s been whispers or dark hazy figures and I began recording my home because I was petrified that I was losing it. I believe this is telling me that life continues after death.” She continued: “I feel like I’m in a special club and it’s made me learn how to take better care of myself, as well as valuing life more. I don’t live in fear of death and I know that when my time comes, any fear will melt away like it did before. “The biggest lesson I’ve learned is that it is absolutely true what they say - the fear itself is always worse than the thing we actually fear.” Read More What is the difference between heat exhaustion and heat stroke? How to keep your pet cool and healthy during a heatwave How to tell if you’re seriously dehydrated, as UK temperatures soar

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A woman who went from a size 18 to a size six has shared some of the surprising things “no one tells you” about losing weight. Meg Stier, an actor and motivational speaker living in New York City who goes by the username @megmackenzies on TikTok, revealed some of the things she wishes she’d known “before [she] lost a bunch of weight,” such as that she would be cold “literally all the time,” in a video posted to the platform on Sunday. In the candid clip, Stier began: “[These are] things no one tells you when you go from a size 18 to a size six. And to be clear, there was nothing wrong with me when I was a size 18, and there’s nothing wrong with me at a size six.” Stier then reflected on the changes, many of which were negative, that she’s experienced as a result of her weight loss, with the TikToker revealing that, in addition to constantly being cold, she’s realised that “losing weight didn’t solve all of [her] problems,” there are days where she liked her body more when she was “bigger,” and that there’s a “lot of skin”. “I’m literally cold all the time. I’m just cold, always,” Stier said, before telling viewers: “Some days, I liked my body a lot more when I was bigger.” According to Stier, she’s also found that “people treat you differently” when you lose weight, and “skinny privilege is a thing”. “People started to respect me a lot more when I lost weight, which is just disgusting,” she continued, before moving on to some of the physical changes. “There’s a lot of skin. There’s a lot of skin,” she said. @megmackenzies It’s a learning curve #nyc #bodypositivity #weightloss #bodyacceptance #broadway #lifestyle #performer ♬ original sound - Meg Mackenzies Stier said she’s also found that her weight loss has become “the main topic of conversation” everywhere she goes. “Instead of my successful career, my education, or anything else about me,” she said. The TikToker concluded the video with a final surprising change to her body, with Stier expressing her surprise to find that her feet got “smaller” after losing weight. “My feet got smaller. I’m almost an entire shoe size smaller than I was,” she said, before adding: “Make it make sense.” In the caption of the TikTok, which has since been viewed more than 2.8m times, Stier acknowledged that her weight loss has been a “learning curve”. The video has resonated with viewers, with many praising Stier for talking candidly about the topic, while others shared their own similar experiences with weight loss. “Size 18 to two here. You forgot jewellery, rings and watches had to be resized. But yes to everything else!!” one person wrote, while another said: “Everyone thinks it’s so weird when I say my feet shrunk when I lost weight!! Always cold here too!” “I have literally experienced ALL of this! I went from a 22 to a two. So. Much. Skin.” someone else wrote. Many viewers also revealed they can relate to Stier’s experience with “skinny privilege,” with one person writing: “Girl same. I went from a size 20 to a size four. I RELATE. The skinny privilege blew my mind.” Another person wrote: “It is fascinating how I was ignored in stores when I was heavy but greeted enthusiastically when thin.” In a follow-up video, Stier opened up more about the concept of “skinny privilege,” with the TikToker sharing examples of the ways she is treated now as a size six versus when she was a size 18. @megmackenzies Anyone else experince these things? #bodyacceptance #nyc #bodypositivity #performer #lifestyle #weightloss ♬ original sound - Meg Mackenzies After clarifying that the video was not an “attack on skinny people,” Stier said that “skinny privilege” has meant that “people look me in the eye when they talk to me,” and that she can buy clothes in her size at any store. According to Stier, she’s also noticed a change in how people react when she speaks. “When I speak, people tend to listen more,” she said, before adding: “Well, I’m a woman, so men still talk over me, but, in general, people listen to me more than when I was larger.” Stier also revealed that she began to experience success in her career “the moment [she] lost weight,” despite not becoming “more talented, smarter or better at [her] job”. “I just looked different,” she said. The TikToker said she is no longer “judged” by what food she orders in a restaurant, or when she eats in public, and can go to the gym without others giving her a “‘good for her, she’s trying’ face”. “People considered me unmotivated, unhealthy and generally just lazy because I was bigger,” Stier said, before adding: “Those are three words that no one would ever use to describe me now and my lifestyle really hasn’t changed that much.” In the video, Stier then acknowledged that there is a “serious bias against fat people” that is “hard to fully grasp” unless you’ve “lived on both sides of the spectrum”. “Skinny privilege is a thing and even I find myself taking advantage of it. We need to change the way we view people because fat doesn’t mean bad and skinny doesn’t mean good,” she said. “People are just people. Their actions and their intentions are what make them good or bad, not the way they look.” Speaking to The Independent about her decision to make the initial TikTok, and whether she expected the viral response, Stier revealed that she has created the video “so many times over the last few months but never posted it because [she] didn’t want to be judged”. However, Stier was ultimately encouraged to share the video after seeing the number of people on TikTok “struggling with body acceptance and weight loss”. “After seeing so many people on TikTok struggling with body acceptance and weight loss I figured it would be worth sharing!” she explained. In regards to the viral reaction to the video, Stier said she was “most shocked” by the number of people the TikTok resonated with. “What I am most shocked about is how many people are saying ‘YES! ME TOO!’ It’s a conversation that has been needed for a long time and I’m grateful the online community has been so positive in letting me join that conversation,” she said. As for what she hopes viewers take away from the video, Stier said she wants to impart a “sense of community and honesty”. “It’s SCARY to talk about your own body on the internet. We spend so much time being told not to post things that don’t show us in a positive way (Photoshop, bad angles, no makeup etc.) But I want to encourage people to share the good and the uncomfortable,” she said. “Making these conversations more normal is how we stop the negativity that is constantly being thrown at people for the way they look or the number on the scale.” Read More Amy Schumer says she stopped taking Ozempic because of side-effects I tried anti-bloating pills for two weeks, and now I know the gassy truth Influencer calls out advertisements for weight-loss drugs in New York City subway stations: ‘Dystopian’ Schoolboy almost dies from swallowing magnets for TikTok challenge Woman shares honest review of New York City apartment TikTok mom slammed after making 5-year-old son run in 104 degree heat