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A Guide to Finance Jobs Abroad

Once upon a time, New York and London were the places to be if you were looking for a job in finance. While these two cities remain at the top of lists for many financiers, the rapidly changing landscape of the global economy has caused others to move away and take advantage of the immense opportunity elsewhere. New global financial hubs are gaining in relevance everyday all over the globe, posing even better options for finance jobs abroad.

Why Work Abroad in Finance

Finance has become far from a centralized professional field. In the current interconnected state of the global economy you can find important nodes of economic activity in pretty every major region of the globe. Many financiers find it more profitable to move abroad to emerging markets, where the payoff can be great if the game is played right. Cultural and linguistic differences may make the transition challenging, but every finance professional knows that without risk, there can be no reward.

Most of the world’s most important financial centers are located in North America, Europe, and East Asia. These are the wealthiest regions of the world, with the most advanced economies, so it makes sense that many finance professionals would flock to the major cities of these countries when looking for finance jobs abroad.

First, the United States ; New York, Chicago, San Francisco, Boston, and Washington D.C. are the leading financial cities in the world’s most powerful country. In Europe , London, Zurich, Geneva, Luxembourg, and Frankfurt play a similarly prestigious role. These cities attract the best of the best in the West, so if you really know your stuff, there is opportunity for big payoffs in any of these places.

Next is Asia . Tokyo, Singapore, Hong Kong, Shanghai, and Seoul have all emerged as huge centers of economic activity over the course of the last century. Asia has the largest markets in the world, and many believe that China will soon take over as the world’s premier economic superpower. Either way, Asia is a fantastic place to find finance jobs abroad, as it is a land of great economic opportunity.

Many finance professionals have also taken their services to the developing world, in search of finance jobs in new emerging markets . Cities such as Mumbai, Kuala Lumpur, Sao Paulo, and Panama City are all financial hotspots that many peg as the next big economic center. In the end it is only up to you where you want to place your stakes!

There are a few ways to go about securing a finance job abroad. The first choice of many is to find a job at home, and then request a transfer to an international office. This may take time and patience to achieve, but if you put in the hard work required for an international company to consider your request, then it is very much a possibility.

Another method is to look for work directly in the country where you wish to find a job abroad, which is a bit more challenging to accomplish. Almost any country will require you to possess some sort of work permit and residential visa to legally work abroad, which can turn employers off immediately. However, if you have a solid global network and show that you are qualified for the job, again there is a good chance they will consider you for hire.

It all depends on your professional qualifications, experience, and the effort you put into landing the job. Many financial professionals aim high by targeting overseas hedge funds, private equity firms, and investment banks for finance job opportunities. If you are just starting out in the field, then you might want to start a little lower; begin by looking for finance internships abroad and work your way up from there.

Salary & Affordability

The salary you will receive mainly depends on the economic status and tax policies of the country you find a job in. Obviously there is a huge range within your potential compensation, but also bear in mind that in certain regions of the world (such as India or China) your salary will take you a lot further than others (such as Europe or Japan). Additional factors to consider are housing affordability, compensation for transportation, healthcare, and employee benefits.

Break Down Barriers. As the global marketplace continues to consolidate, economic and political borders simply do not mean what they used to. Finance and corporate activity transcend country lines, and obtaining a finance job abroad will put you on the innovative edge of cooperative economic action.

Diversify Your Qualifications. As global finance continues to develop as an essential part of economics, having international work experience will greatly expand your own knowledge and ability within financial affairs. It will also make you a more intriguing candidate for future finance jobs (maybe in yet another country).

Freedom to Speculate. By deciding to move abroad and begin an international career in finance, you are making the most important investment possible in a foreign econom, yourself. If you think you know the global marketplace, this is the time to put your money where your mouth is.

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Careers in Travel

A comprehensive overview of the dominant career paths in the travel industry..

CareerExplorer is a free career test made for success seekers and the curious minded.

Do you find yourself daydreaming of far away places? For people with a sense of adventure and a love of new experiences, a career in travel can be incredibly rewarding. But with the rise of new technology and a constantly changing economy, jobs in this area look almost nothing like they did just a couple of decades ago.

What does a career in travel look like today? Here, we’ll explore some of the most common professions in this area and how they can help you see the world.

Flight Attendant

Also known as in-flight crew member, cabin crew member, cabin attendant, air host(ess), and airline steward(ess).

Of all the careers in travel, flight attendant is probably one of the most people-focused. These friendly professionals are the face of the airline industry, responsible for ensuring passengers are safe and comfortable for the duration of their flight. You may remember them from the last time you traveled—perhaps more for the drink cart in front of them than for their personality.

But flight attendants do much more than people assume. In addition to providing basic customer service, they also secure the plane during takeoff, landing, and bouts of turbulence, and assist in emergency situations when they occur by leading evacuations, administering first aid, and even doing some firefighting. Maintaining a pleasant disposition is important in this career, but it’s really only the tip of the iceberg.

What are the perks of being a flight attendant?

Many people enter this career because they love to travel. And, for those with wanderlust, that’s probably the best part of the job: flight attendants literally get paid to fly. Airlines provide staff with free accommodation on long haul flights, plus, in most cases, a daily food allowance, so long-haul flights can essentially become mini all-expenses-paid vacations. There may only be a little bit of extra time to explore the destination between landing and takeoff, but it’s still an incredible way to see the world.

Other perks include the downtime. Although the work itself can be intense, it also involves a lot of leisure. On lengthier trips, flight attendants even get to sleep on the job! They also have more control over their schedule than people in more “typical” careers; every few weeks, attendants “bid” on all available flights to decide who flies when and where. Shifts are assigned by seniority, which means that, with enough time and experience, flight attendants can craft their dream schedule.

These perks, plus the fact that it’s possible to get hired right out of high school, makes flight attending an appealing line of work for many.

How much time do flight attendants spend away from home?

A career as a flight attendant isn’t all fun and games. Full-time attendants usually spend between 75 and 100 hours a month in the air, and another 50 hours on the ground, doing paperwork, waiting for planes, and preparing for flights. This can translate to a lot of time away from home, often working long, variable hours.

Perhaps because of the bizarre schedule, about one in four flight attendants work part-time. This option is obviously less lucrative than working full-time, but can make it easier to maintain a relatively normal lifestyle and raise a family.

Flight attendants are paid to see the world…sort of

Not only does flight attending require a lot of time away from home, it also involves a lot of unpaid work. Salaries are completely dependent on the number of hours spent in flight, so flight attendants aren’t compensated for the time they spend boarding, taxiing, or commuting to and from the airport. If a flight gets cancelled or delayed, so does the attendant’s pay.

In the US, the average salary is about $45,000. But depending on the airline, as well as the attendant’s schedule and level of experience, that number can range anywhere between $23,000 and $80,000.

Travel Agent

You’ve probably seen her before in an old movie: a smiling woman in a headset, stationed at her computer against a backdrop of faded tropical posters. But the day-to-day of today’s travel agents looks very different from what it did even ten years ago.

What do travel agents do?

At the most basic level, travel agents help simplify the trip planning process for their clients. They research fares and schedules; book flights, tours, and hotels; and advise clients on how to make the most of their time away. The specifics of their day-to-day vary a lot depending on where and for whom they work. But no matter what their focus, all travel agents share a common goal: customer satisfaction. This is a people-focused profession, committed to ensuring clients have the most pleasant, safe, and rewarding travel experiences possible.

There are two kinds of travel agents…

....each with very different lifestyles:

• Leisure travel agents work primarily with individuals, organizing everything from family vacations to honeymoon getaways. Although some of them work independently, most choose to work under a host agency. These businesses “employ” home-based agents through independent-contractor agreements, offering them services like marketing, training, and technology in exchange for a cut of their commissions.
• Corporate travel agents , on the other hand, primarily work with businesses, booking accommodation and flights for employees attending sales meetings, conferences, and more. Whereas leisure agents often work remotely on their own schedule, those in corporate positions tend to work in offices. It’s a standard 9-to-5 job, or something similar.

How do travel agents make money?

Travel agents earn their income in three ways, through commissions, service fees, and salary. Typically, vendors pay a 10-15% commission whenever an agent books a car rental, hotel, or cruise for a client. They also pay about 20-30% on travel insurance sales, though all of these rates can vary depending on the vendor, the agent, and how the booking was made.

In addition to commissions, some travel agents also charge clients a service fee for the time spent researching and creating their itinerary. These usually range somewhere between $75 and $200, but can be as high as $500 for more complicated trips.

Finally, many agents who work for an employer—either a host agency or a corporate sector company—also earn a salary on top of their commissions, adding a bit of stability to their income.

How much do travel agents make?

Not surprisingly, there’s a lot of variation in how much travel agents make. The average annual wage for US travel agents is just shy of $40,000 , but agents can earn as little as $23,000 or as much as $68,000.

Do travel agents get to travel themselves?

The bulk of a travel agent’s time is usually spent indoors: either at home, if they work remotely, or in an office. Most of their day is spent on the phone or the computer, talking to clients, airlines, hotels, and other vendors or preparing itineraries.

That said, many do spend some time visiting the destinations they promote in order to make better-informed recommendations to their clients. While away, they might visit restaurants, resorts, or hotels, or even try a guided tour.

Plus, many agents are able to use their connections to travel at a discount price. So seeing the world may not always be part of the job—but it definitely can be.

Is travel agent a doomed profession?

Online booking is only getting easier, and travelers are increasingly choosing to organize their own flights and accommodation. Although many travel agents are still running successful businesses, employment opportunities are expected to decrease by 12% in the next 10 years. For the right person, a career in this industry is still possible—but staying afloat will take dedication, adaptability, and a healthy dose of optimism.

People skills, local knowledge, and a sense of adventure—these are just some of the traits that make for a stellar tour guide. For extraverted explorers, a career in this field can be fun, varied, and rewarding.

Do tour guides get paid to explore the world?

At the most basic level, tour guides help travelers make the most of their trip by providing cultural, historical, or environmental information about their local surroundings. Working on foot, bus, bicycle, or even riverboat, they guide their clients through some of the most stunning destinations on earth, offering safety tips, expert knowledge, and helpful advice along the way. From the calm Tuscan countryside to the busy streets of Tokyo, tour guides really can work anywhere.

However, the life of a tour guide isn’t always full of novelty and excitement. While some tour guides do travel on the job, many work primarily in a single destination, showing visitors around a particular city, cultural site, or museum.

What are the different kinds of tour guides?

Tour guides can look dramatically different depending on where they work and what kind of travel experience they offer. Some of the most common tour guide variations include:

• Heritage Guides provide historical, archeological, or architectural information about ancient sites such as tombs, temples, and museums.
• Culture Guides offer knowledge about the lifestyle, religion, or cuisine of the local population. They might focus on one particular city, specialize in certain sites (like vineyards or ancient temples), or cover an entire geographical region.
• Adventure Guides lead clients on active, experience-based tours of the destination. Guides typically focus on one or more sports, such as trekking, skiing, or scuba diving, and have undergone some form of outdoors and first aid training.
• Nature/Eco Guides help visitors enjoy the local wildlife and landscapes, offering tours or safaris of deserts, gardens, forests, and more.
• Special Interest Guides play a similar role as adventure guides, offering targeted experiences such as golf, shopping, or wedding tours.

There are different roles available within each of these areas. Tour guides simply offer commentary about the destinations they visit, whereas tour directors are also responsible for planning the itinerary, coordinating the logistics, and trouble shooting any complications that arise along the way.

Do tour guides actually get paid?

Tour guiding is a fun gig, but not a particularly well-paid one. The average tour guide salary punches in just under $24,000 US , although experienced tour guides earn about $35,000 per year. Of course, this can vary depending on location, specialization, experience, and clientele.

Luckily, it’s also a relatively low-barrier career, usually requiring little more than a drivers license and an eager attitude. You may need to pass a first aid course or some other form of professional training for certain jobs, but you probably won’t be paying off any major student loans.

Travel Blogger

Equally low-barrier and adventurous is the world of travel blogging. Requiring little more than a laptop, a strong internet connection, and an entrepreneurial spirit, this exciting career can open doors all across the globe.

How do travel bloggers make money?

It may not look that way from their websites, but travel bloggers do a lot more than just write and explore. That’s because, like most bloggers , they rarely make money from the posts they produce. Instead, travel bloggers rely on a mix of advertising, sponsored campaigns, freelancing, and affiliate linking to generate income, using their blog primarily as a platform to attract potential partners. Many even sell related products, such as books, travel guides, podcasts, or public speaking services, on the side to make extra cash.

Because of this, the finances of travel blogging can look extremely different from one person to the next. While there are some bloggers who report making as much as $150,000 a year, others are barely able to break even. According to a survey of more than 1000 bloggers, only about 17% are able to sustain their lifestyle on their blog salaries, while more than 80% never make more than $100.

But although it’s a tough industry, it is possible to succeed. By diversifying their income and investing enough time and effort, well-established travel bloggers can make a stable $2,000 to $5,000 a month.

How do I become a travel blogger?

One of the reasons so many travel bloggers fail is because it’s so easy to become one. The real question isn’t “How do I become a travel blogger?” but “How do I become a successful one?”

To get started, aspiring travel bloggers will need a laptop, a working website, a passport, and enough cash to live and travel for at least two years. That’s because building a large enough audience to monetize takes time. Those who don’t have the savings required will likely need to take on additional part-time work while they get started.

Next, most new bloggers dedicate their time to posting lots of high quality, interesting, and useful content. The content itself can be about almost anything—travel tips, photography, hiking recommendations, etc—as long as it’s relatively frequent (one-two times a week) and provides real value to readers. Many bloggers also pitch stories to major media outlets, write guest posts on popular blogs, or invest in digital advertising to gain further attention. But no matter the strategy, the goal for any beginner travel blogger is the same: get readers first, revenue second.

Super Yacht Crew

Celebrity clients, a luxurious lifestyle, months and months on the open ocean: could any career sound dreamier? Jobs on a super yacht may not look quite like they do on Below Deck , but there’s no denying this is a fabulous way to see the world.

What is a super yacht?

Super yachts are massive, luxury boats measuring anywhere from 24 to 100 metres long. Expensive to buy and even more expensive to maintain, they are usually owned by the extremely rich and famous and their families. While some super yachts never make it out of the harbor, others will travel to some of the most exclusive destinations on earth, making them one of the most attractive work settings for those with wanderlust.

What does a super yacht crew do?

No matter what its size, almost every super yacht is manned by a group of skilled professionals: the super yacht crew. These personable and hard-working individuals live on board the vessel during long journeys, assisting with everything from cleaning to navigation.

Roles are varied, and can differ from yacht to yacht, but the most common positions include:

• Captain and First officer
• Mate and Deckhand
• Chief and Junior Steward(ess)
• Chef and Sous Chef
• First and Second Engineer

Some of these positions, like first engineer, are more technical, requiring extensive mechanical or seafaring knowledge. Others, like junior steward, are primarily service based. But no matter what their role, all members of the super yacht crew share a common goal: ensuring their employers and their guests are comfortable and safe for the duration of the voyage.

What’s the best thing about working on a super yacht?

For most people in this profession, the top attraction is the travel. Although real vacations are rare during the yachting season, most captains will try to give staff an occasional day off whenever possible. It may not offer a lot of time for sight seeing, but it does provide an opportunity to explore some of the world’s most exotic destinations—all expenses paid.

Is the super yacht life as glamorous as it sounds?

Many people are attracted to a super yacht career because of the lifestyle involved, but the daily reality of the super yacht crew is a little less glamorous than you’d expect:

• Living Conditions: Crew members live, eat, and work together closely for the duration of the voyage, which can be weeks or even months long. Accommodations are usually small and simple—either solo cabins or shared bunk rooms—and although privacy is possible, it’s usually rare. If you need a lot of alone time, this probably isn’t the career for you.
• Food: Meals aboard are usually prepared by the crew chef, which means they tend to be delicious, extremely high quality, and—best of all—free.
• Schedule: Super yacht crew live and work in the same space for months on end, which can make it difficult to maintain any real separation between work time and down time. Crews tend to be small and the clientele are often demanding, so working 12- to 14-hour shifts isn’t unusual.

Do super yacht jobs pay well?

Depending on the crew member’s experience and the size of the vessel, super yacht crew salaries can vary significantly. But in general, this is a very well-paid line of work—especially relative to other travel careers. Chief stewards can expect to make anywhere from $3000 to $8000 a month, and it’s not uncommon to see salaries as high as $90,000 on larger vessels.

Corporate Travel Careers

Got the travel bug but looking for a something more stable? Don’t fret—there are a plethora of corporate jobs in the travel sector. Providing all of the benefits of more “traditional” work, these exciting options offer a chance to see the world and plan for the future.

What kinds of travel companies offer corporate careers?

Corporate travel careers exist in a wide array of settings, each of which comes with its unique set of opportunities, perks, and drawbacks.

Because of the diversity of options, it can be hard to know where to look for a corporate travel job. But some of the most common work settings include:

• Airlines and airports
• Travel agencies
• Tour organizations
• Tourism offices
• Cruise companies (boat, bus, rail, etc.)
• Hotels, resorts, and hostels

What corporate jobs can I get in the travel industry?

Finding the right travel career isn’t just about deciding where to work; it also involves choosing the right kind of position. Corporate tourism jobs come in all shapes and sizes—too many to cover here—but here’s a quick list of some of the most popular ones:

• Marketing and publicity: From buying ads to writing website content, there are lots of ways to get involved in the promotional side of travel. Tasks might include crafting blog posts to boost an airline’s SEO, pitching news stories to travel magazines about an edgy new adventure tour, or designing an email newsletter to encourage signups for an upcoming cruise.
• Sales: Sales jobs in travel can include everything from cold calling potential customers to encourage tour signups to managing an entire sales department at an airport. Some standard duties in this line of work include creating sales plans, identifying Key Performance Indicators (KPIs), training sales staff, providing customer service, and more.
• Finance: Even train companies need accountants! There are a variety of financial jobs in the travel industry, which can include everything from managing a hostel’s A/R and A/P processes to working as an in-house auditor at a major resort.
• IT: As the travel industry becomes more and more digital, a career in IT can be a lucrative option. Whether it’s building online booking software or creating a new tourism app, there are lots of opportunities for technologically savvy wanderers.

What are the benefits of a corporate travel career?

Although corporate jobs may not be as hands-on as others travel careers, they do offer many of the same perks. Many hotel chains offer discounted (or even free) accommodation to their employees, making it easy to travel on a budget. The same is true for many airlines, tour companies, hostels, and travel agencies. In the right career, you can expect to travel at low cost almost anywhere in the world.

At the same time, corporate careers often come with advantages that other travel jobs can’t provide: excellent benefits, a flexible work schedule, an impressive salary, and a high level of job security. This added stability can make the corporate route an appealing option for travellers with children, mortgages, or other responsibilities at home.

A writer, researcher, and occasional spoon carver, she knows that the "right" career sometimes looks nothing like what you expected.

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10 Best Jobs That Allow You to Travel

These best travel jobs allow you to build a fulfilling career while traveling domestically or internationally.

Getty Images |

Satisfy your wanderlust with these travel jobs.

Getting a 9-to-5 job doesn't mean you have to put your dream of traveling the world on hold. Many professions nowadays not only provide financial stability but offer the exciting perk of frequent travel. Let's explore some of the best jobs that allow you to build a fulfilling career while satiating your wanderlust.

We've taken the top travel jobs from the U.S. News 100 Best Jobs rankings. These jobs are described by the Bureau of Labor Statistics as having a travel component.

10. Cartographer

Median salary: $71,890 Expected job growth by 2032: 5%

Cartographers collect data to create detailed geographic maps. They use advanced tools like geographic information systems, or GIS, for spatial analysis, ensuring accuracy in representing terrain, features and other information. Although cartographers spend much of their time in offices, specific jobs may require extensive travel to locations that are being mapped.

Learn more about cartographers .

(Caiaimage | Paul Bradbury

9. Public Relations Specialist

Median salary: $67,440 Expected job growth by 2032: 6%

Public relations specialists' main job is to generate positive publicity for their clients and help them maintain a good reputation. They can work in various industries, including corporate, government, nonprofit or agency settings. As a public relations specialist, you may travel often to engage with the media, attend events and build relationships with stakeholders.

Learn more about public relations specialists .

8. Construction Manager

Median salary: $101,480 Expected job growth by 2032: 5%

Construction managers oversee construction projects from start to finish, collaborating with architects, engineers and contractors to ensure projects adhere to budgets, timelines and quality standards. Since construction managers often manage several projects simultaneously, they may need to frequently travel among sites.

Learn more about construction managers .

7. Sports Coach

Median salary: $44,890 Expected job growth by 2032: 9%

Sports coaches help athletes develop to their full potential and reach maximum performance. The travel frequency for sports coaches, especially in major leagues like the NFL and NBA, is high. These coaches often accompany their teams to away games in different states, which means they spend lots of time on the road.

Learn more about sports coaches .

6. Flight Attendant

Median salary: $63,760 Expected job growth by 2032: 11%

Flight attendants travel wherever an aircraft goes, ensuring the safety and comfort of passengers. They also communicate with pilots regarding flight details and cabin conditions.

Flight attendants' travel frequency depends on factors such as their seniority and the airline's scheduling policies. Junior flight attendants often have less control over their schedules and may work more weekends and holidays.

Learn more about flight attendants .

(Getty Images) |

5. Sales Manager

Median salary: $130,600 Expected job growth by 2032: 4%

Sales managers are responsible for directing an organization’s sales team. Some of their duties may include setting sales goals, analyzing data, developing training programs for sales representative and addressing any changes necessary to meet customer needs. Depending on the company, sales managers may have to travel to national, regional or local offices and attend in-person customer meetings.

Learn more about sales managers .

4. Operations Research Analyst

Median salary: $85,720 Expected job growth by 2032: 23%

Operations research analysts use advanced techniques, such as data mining and mathematical modeling, to develop solutions that help organizations operate more efficiently. They help businesses solve a wide range of problems, including supply chain optimization, production planning and inventory management.

Although operations research analysts typically spend their time in offices, they may travel occasionally to meet with clients.

Learn more about operations research analysts .

3. Management Analyst

Median salary: $95,290 Expected job growth by 2032: 10%

Management analysts, also known as management consultants, are experts who specialize in helping companies improve efficiency and increase profits. How often management analysts travel depends on the company they work for and their current projects. However, those who pursue a career in management consulting can expect to travel quite frequently to meet with clients.

Learn more about management analysts .

2. Marketing Manager

Median salary: $140,040 Expected job growth by 2032: 7%

Marketing managers gauge the demand for a product and help develop a marketing strategy that fits. Depending on their company’s needs, marketing managers may travel throughout the country or worldwide to meet with clients and attend conferences.

Learn more about marketing managers .

Median salary: $113,990 Expected job growth by 2032: 23%

Actuaries assess and manage financial risks using mathematical and statistical models. They often work in industries such as insurance, finance and retirement planning, determining the likelihood of events and their financial impacts.

Travel frequency for actuaries varies depending on the employer and their specific job role, but some may travel occasionally to attend meetings or meet with clients.

Learn more about actuaries .

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The trains and stations of the Moscow Metro

2 Comments · Posted by Alex Smirnov in Cities , Travel , Video

The Moscow Metro is the third most intensive subway system in the world after Tokyo and Seoul subways. The first line was opened on May 15, 1935. Since 1955, the metro has the name of V.I. Lenin.

The system consists of 12 lines with a total length of 305.7 km. Forty four stations are recognized cultural heritage. The largest passenger traffic is in rush hours from 8:00 to 9:00 and from 18:00 to 19:00.

Cellular communication is available on most of the stations of the Moscow Metro. In March 2012, a free Wi-Fi appeared in the Circle Line train. The Moscow Metro is open to passengers from 5:20 to 01:00. The average interval between trains is 2.5 minutes.

The fare is paid by using contactless tickets and contactless smart cards, the passes to the stations are controlled by automatic turnstiles. Ticket offices and ticket vending machines can be found in station vestibules.

Tags:  Moscow city

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Tomás · August 27, 2012 at 11:34 pm

The Moscow metro stations are the best That I know, cars do not.

Alberto Calvo · September 25, 2016 at 8:57 pm

Great videos! Moscow Metro is just spectacular. I actually visited Moscow myself quite recently and wrote a post about my top 7 stations, please check it out and let me know what you think! :)

http://www.arwtravels.com/blog/moscow-metro-top-7-stations-you-cant-miss

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Money latest: McDonald's to start selling bigger burgers - as it makes very rare changes to classic items

The fast food giant has revealed its chefs have created a "larger, satiating burger" in a bid to boost sales. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Wednesday 1 May 2024 19:37, UK

• Bitcoin suffers nightmare month - and it's just got worse
• Key dates for Spotify customers, energy bills, free childcare and interest rates in May
• Wait for interest rate cut leads to surprise dip in house price growth
• McDonald's to start selling a bigger burger

Essential reads

• You're probably washing and storing your clothes wrong. Here's what you should do instead
• Turns out supermarket boss was right about self-checkouts
• State pensions 'could be in doubt for future generations'
• One of UK's top chefs reveals best Cheap Eats in Norfolk - and cling film tip for amazing veg
• Money Problem : 'Builders won't repair dodgy work - what are my rights?'
• '£2,000 landed in my account' - The people who say they're manifesting riches

Ask a question or make a comment

Are you struggling because of high interest rates? Sky News is keen to hear from people who are due to refix their mortgages this year or are on a variable rate or tracker mortgage or trying to get on the housing ladder. 

Email us your stories at  [email protected]  - or WhatsApp us  here .

The Fed has issued its latest policy statement, announcing it will keep interest rates at the same level. 

It did note inflation has eased over the past year, and it is still leaning towards eventual reductions in borrowing costs. 

However it pointed out recent disappointing inflation readings, suggesting moves towards more balance in the economy had stalled. 

If you're wondering why we're telling you this, it's because there is a link between the Fed's interest rate and the Bank of England's base rate. 

The interplay between the two can affect the value of the pound and currency alternatives such a gold.

Market expectations for the UK base rate are often heavily influenced by what's going on in the US. 

Untreated sewage was released into designated shellfish waters for 192,000 hours last year, new research has found.

The hours of sewage dumping were spread across 23,000 separate incidents.

Some fishing waters in Cornwall were forced to close last year after high levels of e.coli were found in oysters and mussels, and norovirus can also be transported via human waste.

Read the full story here ...

Shares in luxury carmaker Aston Martin have plummeted as much as 14% today after it announced bigger than expected losses. 

Aston Martin revealed adjusted pre-tax losses of £111m for the first three months of the year, compared with £57m a year earlier. 

Analysts had expected a loss of £93m. 

The losses were due to higher finance costs and the timings of its car launches.

B&Q is introducing plastic plant pot recycling stations at more than 100 of its stores across the UK. 

Customers will be able to drop off their unwanted pots in store so they can be recycled and turned into new planters. 

B&Q's 100% recycled plastic Blacksmith Planters will be available in stores for £4. 

UK supermarkets could soon see a "healthier" version of white bread, according to scientists.

A team of researchers at Aberystwyth University will be studying the milling and blending process for white flour.

Peas, beans and oats could be added to wheat flour to boost its nutritional value.

The research project has been funded by Innovate UK, the UK's national innovation agency.

Parents taking their kids to Taylor Swift concerts this summer might be worried their lack of knowledge will leave them feeling a bit left out.

But what if we told you you could be a mastermind?

That's the promise of a new college course ahead of the biggest pop star in the world hitting the UK in June.

The 7 May course, which is run by the  Glasgow Cylde College and is free, will give members of the public a jam-packed session that will leave them ready for the singer's upcoming  Eras Tour.

Those who enrol in a one-off college masterclass will learn about the pop star's music, set lists, crowd chants and even her "evolving wardrobe and hairstyles".

A statement on the college website reads: "Ahead of her hugely anticipated arrival, Glasgow Clyde College is offering a one time-only masterclass aimed at preparing parents and plus ones of Taylor superfans, providing the full Love Story on all things Eras Tour to help them have the best night of their lives.

"From set lists and crowd chants to need-to-know information on each Era, the masterclass, which is being delivered by a Taylor Swift expert, will give people a whistle-stop lesson that'll leave them ready for the gig."

You can book your Swiftie masterclass here .

The cocoa market is in a particularly turbulent period, with the price of the ingredient falling to its lowest level in a month. 

It comes after prices reached their highest peaks in more than four decades earlier in the year, making it reportedly more expensive than copper. 

Traders had been betting on an acute supply shortage driven by poor harvests in West Africa. 

However, the rally made it more expensive to maintain positions and prompted traders to pull out of the market - leaving the product vulnerable to big price swings. 

The price has now fallen by 16% since the end of last week, offering some relief to chocolate makers/eaters.

The fast food giant has revealed its chefs have created a "larger, satiating burger" in a bid to boost sales, according to Bloomberg. 

The mega-sized burger is reportedly designed to attract customers who want more filling patties. 

It will be introduced in certain markets first to test its appeal. 

McDonald's unveiled plans in December that bosses hope will boost growth by focusing on core menu items. 

The chain has seen sluggish sales, partly due to its perceived support of Israel in Middle East and Muslim-majority markets. 

McDonald's has denied taking any position in the ongoing conflict and said it is not responsible for the actions of its franchisees.

So far, it has launched an ad campaign highlighting what it says are improvements to its Big Mac, quarter pounder with cheese and double cheeseburger.

This is apparently the first time in the company's 84-year history that it has made changes to its classic burgers.

By Emily Mee , Money team

Discovering a hole in your favourite pair of jeans or a rip in your well-worn cosy jumper is certainly irritating - but it doesn't mean those items are destined for the bin. 

In fact, ethical fashion campaigners say that's the last place your items should be going. There is usually plenty you can do to repair them - or even to avoid damage in the first place. That way, you can keep your best-loved pieces in your wardrobe for years to come. 

Katrina Caspelich, from fair fashion campaign Remake, takes the Money blog through what you can do...

Store your clothes better

Clean them before storing them: Always ensure that clothes are clean before storing them. Launder or dry clean them according to the care instructions on the label. Stains and dirt can attract insects and cause fabric deterioration over time.

Use breathable storage containers: Opt for breathable storage containers such as cotton canvas bags or boxes instead of plastic bins. This allows air circulation and prevents moisture build up, which can lead to mould and mildew.

Avoid direct sunlight: Store clothes in a cool, dark place away from direct sunlight. Sunlight can cause colours to fade and weaken fabric fibres over time.

Hang clothes properly: Invest in quality hangers that provide adequate support to garments. Use padded or wooden hangers for delicate items like suits, dresses and knits. Avoid using wire hangers, as they can cause garments to lose their shape. Don't hang wet clothes on hangers - they can stretch.

Use garment bags: For long-term storage of formal wear or seasonal clothing, consider using garment bags to protect items from dust, insects, and moisture.

Rotate clothing: Rotate your wardrobe seasonally to prevent garments from being stored for too long without use. This helps to prevent fabric deterioration and ensures that all pieces are worn regularly.

Avoid overcrowding: Avoid cramming clothes into storage containers or closets. Overcrowding can cause wrinkles, stretching and distortion of fabric fibres. Leave some space between garments to allow for air circulation.

Store leather items properly: Leather garments should be stored in a cool, dry place away from direct sunlight. Use padded hangers to maintain their shape and avoid folding, as creases can become permanent.

Does how you wash clothes make a difference?

What exactly makes a gentle wash gentle? For delicate fabrics, you should always use cool to lukewarm water. (Hot water isn't needed unless you are concerned about bacteria and diseases like COVID-19). 

Pro tip: Be wary of wringing out your wet clothes. It can seriously alter the shape of your garments.

Other options

Wash your stuff less. The only clothes that should always be washed after one wear are underwear and sweaty clothes. Most garments worn regularly should be okay to wear two to three times before washing. Unless your denim has a bad habit of stretching out, experts say you should wash them after three or four wears so they age better. You can also throw them in the freezer to kill bacteria.

Spot clean your clothes. To clean a spot, start by removing any excess spillage and blot away as much moisture as possible with a paper towel or hand towel. NO RUBBING. Use some stain remover or gentle detergent on just the stained spot. Let it air dry or use cool air to speed up the process.

Air dry. Hang your clothes outside, Italian style. For heavier items that could stretch when hanging, lay them out flat on a surface to dry.

When should you dry clean?

Read the care tags! Don't be so quick to adhere to every garment's dry clean only tag - there's lots of chemicals involved that lurk on dry-cleaned wool, cotton and polyester. Plus, lots of brands put those tags on when they lack confidence in our ability to properly and gently wash our clothes.

If it is made of wool, linen, silk, cotton or cashmere - which is likely a majority of your closet - these fabrications can handle gentle hand washes so long as you pre-treat and single wash anything with stains, as well as wash items in groups determined by fabrication and colour.

If you aren't 100% sure what exactly a garment is made of, you can always test a little spot under the sink water to see if you get a ton of colour bleeding, warping or shrinkage before going all in.

If your garment has any fancy embellishments, flocking or beads attached by glue then you should probably take it to the cleaners if it's not just in need of a little spot clean.

Pro tip: When you find yourself at the dry cleaners, you can try asking for alternatives like a liquid carbon dioxide cleaning, which uses pressurized CO2 mixed with other gentle cleaning liquids as opposed to perc.  Another option is requesting a wet cleaning method , a wash that resembles a normal washing machine but utilises special soaps and conditioners for an extra gentle wash.

How do you know when a broken item is repairable, or when it's no longer usable?

It's important to always assess the extent of the damage. Small tears, missing buttons, loose hems or minor stains are usually repairable with basic sewing skills or by taking them to a tailor. 

Considering the condition of the fabric is also important. For example, if the fabric is in good shape apart from the damaged area, it may be worth repairing. 

However, if the fabric is severely worn out or faded in multiple places, it may not be worth repairing. Also, some types of damage such as large holes, extensive fraying or irreparable stains may render the garment unusable or not cost-effective to repair. 

Finally, it's important to consider the sentimental value of the item. If the piece holds sentimental value or is a high-quality piece, you may just want to hold on to it and invest in repairs.

If the item is no longer usable, you could upcycle or repurpose it. Get creative and turn the item into something new. Some ideas include turning old jeans into shorts, using fabric scraps for quilting or crafts, or transforming a worn-out tee into a cleaning rag. 

Donation is another option. If the clothing item is still in decent condition despite the damage, consider donating it to a local charity or thrift store as some organisations accept damaged clothing for recycling or repurposing.

Finally, look for textile recycling programmes in your area. Many communities have textile recycling centres or programmes that accept old clothing, even if it's damaged, to be recycled into new textiles or other products.

How about shoes?

Like clothing, extending the wear of your shoes requires proper care and maintenance. Some ideas include rotating your shoes between different pairs of shoes every day to allow each pair to air out and recover their shape between wears. 

Clean your shoes regularly to remove dust, dirt and stains. 

It's also a good idea to apply waterproofing spray to protect your shoes from water, stains, snow and other environmental damage. Like clothing, it's important to attend to any signs of damage or wear as soon as possible, replacing worn-out soles, repairing loose stitching, and fixing damaged heels to prevent further deterioration. Definitely consider taking your shoes to a professional cobbler for these regular repairs! 

By Connor Sephton , news reporter

Bitcoin has suffered its biggest monthly loss since June 2022 - amid signs that market euphoria is starting to cool.

The world's biggest cryptocurrency saw its price plunge by almost 15% in April.

Even though we're just 12 hours into a brand-new month, Bitcoin is continuing to fall further.

This digital asset is often valued in dollars rather than pounds - and certain price points tend to have psychological significance for traders.

Over the past few weeks, Bitcoin had successfully managed to avoid a big fall under $60,000 (about £48,000).

But all of that changed in the early hours of Wednesday morning.

After the $60,000 threshold crumbled, a sharp drop to $57,000 soon followed.

So... with Bitcoin down 7% over the past 24 hours, what happens next?

Well - traders are now engaged in what can best be described as an arm wrestle.

If Bitcoin manages to hold stable around $57,000, its value may start to recover.

But if selling pressure grows as American investors start to wake up and see what's happened, further declines are to be expected.

Bitcoin has now fallen by 22% since hitting an all-time high of $73,750 in March - which technically puts this cryptocurrency in a bear market.

However, avid enthusiasts will insist this is nothing more than a healthy correction, and Bitcoin's longer-term prospects are good.

One thing is clear: this is a volatile asset, and investors should only put in whatever they can afford to lose.

In what seems to be becoming a daily occurrence, four more lenders have announced mortgage rate rises.

Halifax, BM Solutions and Virgin are all doing so for the second time in around a week. They're joined by Nottingham Building Society.

Halifax are increasing rates on purchase products by up to 0.2%; BM Solutions by up to 0.24%. These begin tomorrow.

Virgin increased rates on products between 0.08% and 0.2% yesterday evening, while Nottingham has lifted rates this morning by up to 0.25%.

Mortgage rates have spiked in the last two weeks as financial markets have moved from pricing in a base rate cut in June to thinking it will come in August. Expectations of three cuts this year are now two.

The backdrop is sticky inflation in the US - and concern the global and domestic battle against rising prices isn't over yet.

Skipton had actually announced some decreases - but any optimism from this proved momentary.

Dariusz Karpowicz, director at Albion Financial Advice, told Newspage: "The atmosphere in the mortgage market is rather grim, with major players like Halifax, BM Solutions, Virgin and Nottingham Building Society repeatedly raising their fixed rates.

"This pattern of frequent rate hikes, sometimes occurring multiple times within a week, is casting a shadow over market sentiment. 

"The anticipated 'spring bounce' is nowhere in sight; instead, we're witnessing a continuation of mortgage woes. 

"Higher rates are expected to dampen buyer enthusiasm and potentially delay any positive momentum. 

"As for when borrowers can expect relief, it hinges on broader economic stabilisation. For now, the outlook remains cautious and subdued."

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