Business, Customer Service｜たけぞうのFX日記　☆FXでサラリーマンの年収は超せるのか☆

メタ情報

Business, Customer Service の記事一覧

Housing storm leaves UK exposed, skews policy: Mike Dolan

＜更新日時＞ 05月30日（火） 02:15

By Mike Dolan

LONDON, Nov 16 (Reuters) - If financial markets bore the brunt of this year's interest rate shock, housing now stands in the firing line.

And a residential real estate quake would hurt many economies far more, amplifying the bond market ructions of the past 12 months if inflation can't be contained quickly enough to allow central banks to stop tightening in 2023.

Overall housing activity - construction, sales and the related demand for goods and services that goes with housing churn - contributes an estimated 16-18% of gross domestic product annually in the United States and Britain. That's well over $4 trillion for the former and half a trillion in the UK.

With long-term U.S.fixed mortgage rates above 7% for the first time in 20 years, and more than double January rates, U.S. housing sales and starts are already feeling the heat.

And as property has ridden the bond bull market of low inflation and interest rates for much those intervening decades - the sub-prime mortgage crash of 2007-2008 apart - any risk of a paradigm shift in that whole picture is a mega concern.

Twenty years ago, after the dot.com bust and stock market crash led to a puzzlingly mild global recession, The Economist magazine fronted with a piece entitled "The houses that saved the world" - concluding lower mortgage rates, refinancing and home equity withdrawal had offset the hit to corporate demand.

But it's much less likely to come to the rescue after this year's stock market swoon, if only because interest rates are heading even higher into 2023 and EVdeN evE nakLiYat many now fret about potential distress and delinquency in the sector EVden EVE nakliYaT next year.

Some 10% of global fund managers polled by Bank of America this month think real estate in developed economies is the most likely source of another systemic credit event going forward.

And Britain, which even the Bank of England assumes has already entered recession, is particularly vulnerable.

UK homeowners outsize exposure to floating rate mortgages and greater vulnerability to rising unemployment leaves the British market a potential outlier amid the twin hits of rising Bank of England rates and this week's expected fiscal squeeze.

Indeed, many feel the extent of finance minister Jeremy Hunt's dramatic fiscal U-turn away from September's botched giveaway budget is precisely to avoid the sort of brutal BoE rate hit to the housing market that had threatened initially.

British think-tank the National Institute of Economic and Social Research reckons some 2.5 million UK households on variable rate mortgages - about 10% of the total - would be hit hard by further BoE rate rises next year, pushing mortgage costs for about 30,000 beyond monthly incomes if rates hit 5%.

That partly explains why even though money markets still see BoE rates peaking as high as 4.5%, from 3% at present, high-street clearing banks Barclays and HSBC forecast the central bank's terminal rate as low as 3.5% and 3. If you have any sort of inquiries regarding where and how you can make use of EvdEN EVE NAKLiyaT, you can contact us at our web-site. 75% respectively.

NO HOUSING SAVIOUR

Goldman Sachs chief economist Jan Hatzius and team feel the threat of a major credit event in developed housing markets may be overstated - as many mortgage holders are still on low, long-term fixed deals and there are substantial home equity buffers.

But they said Britain stands out nonetheless.

"We see a relatively greater risk of a meaningful rise in mortgage delinquency rates in the UK," Goldman said this month."This reflects the shorter duration of UK mortgages, our more negative economic outlook, and the greater sensitivity of default rates to downturns."

While Australia and New Zealand have higher variable mortgage rates, British mortgage holders also have a higher vulnerability to rising joblessness.

Goldman estimates that a one percentage point rise in unemployment tends to boost mortgage delinquency rates by more than 20 basis points after one year in Britain - twice as much as the 10bp impact from a similar scenario in the United States.

All of which bodes ill for UK house prices - although forecasts are still far from apocalyptic.

UK estate agent Knight Frank expects nationwide house prices to drop 5% next year and again in 2024, a cumulative decline of almost 10% but one that only takes average prices back to where they were in the middle of 2021.Further out they see stagnation persisting - with just a 1.5% cumulative gain in the five years to 2026 and London prices basically flat over all that period.

NIESR economist Urvish Patel concurred with the thrust of that - expecting lower house prices over the next couple of years but adding "fears of a house price and housing market collapse because of higher mortgage rates are unlikely to be proved correct".

Offsetting factors are that a majority will be on fixed rates, supply remains tight and stamp duty taxes are due to be cut again, he said.

But he did point to Bank of England research from 2019 that studied more than 30 years of data and showed that a 1% sustained increase in index-linked UK government bond yields could ultimately result in a fall in real house prices of just under 20%.

Ominously perhaps, 10- and 30-year index-linked gilt yields were at the epicentre of the September budget shock.And while they have retreated from those peaks since, thanks partly to BoE intervention, EvdEn eVE nAkLiyAT they are still 2-3 percentage points higher than they were this time last year.

- The opinions expressed here are those of the author, a columnist for Reuters.

(Reporting by Mike Dolan; Editing by Alex Richardson)

At the beating heart of Moscow, directly opposite the Kremlin on the eastern side of Red Square, you’ll find Russia’s most famous shopping mall

＜更新日時＞ 05月25日（木） 20:45

At the beating heart of Moscow, directly opposite the Kremlin on the eastern side of Red Square, you'll find Russia's most famous shopping mall.

Known as GUM, the ornate neo-classical building sits a stone's throw from St Basil's cathedral and the mausoleum of Lenin, the man who attempted to overthrow capitalism.

Yet it has, in recent years, been filled with 'landmark' stores owned by luxury brands anxious to soak up the cash being liberally sprayed around by the post-Soviet oligarch class.

When they aren't applauding the tanks that occasionally rumble over nearby cobblestones, cronies of Vladimir flock to this marble-floored emporium, arm-in-arm with their high-maintenance wives, mistresses and girlfriends to spend ill-gotten roubles on handbags, Tiffany jewellery and Hugo Boss suits.

One of the still open Brtish shops is Paul Smith, the Nottingham-based purveyor of stripy scarves and modish menswear that its eponymous multi-millionaire founder and owner likes to describe as 'classic with a twist'

Also open for business is GUM's branch of Agent Provocateur, the upscale English underwear brand popularised by Kate Moss in the 1990s.It is also stocking designs from the new season

At least they did. In late February last year, everything changed. That was when their autocratic President decided to invade Ukraine, EVDen EVe NAKliyat turning Russia into a global pariah overnight.

As Putin's soldiers raped and murdered their way across the country, Western consumer brands began responding to public revulsion by literally shutting up shop.

Within weeks, the UK, EU and many Western countries had imposed sanctions to prevent fresh supplies of luxury goods from reaching Russia.

Today, the GUM centre's Chanel, Tiffany and Hugo Boss outlets have closed their doors.

You can no longer shop for shoes by Jimmy Choo or John Lobb, or handbags from the houses of Prada, Louis Vuitton, Gucci and Hermes.

As they boarded up their boutiques and cancelled shipments of fresh stock to Russia, these famous purveyors of luxury goods simultaneously issued earnest PR statements expressing their desire to, as the saying goes, 'stand with Ukraine'.

But today, almost a year after Putin's tanks rolled over the border, shopaholics of the Russian elite aren't entirely out of luck.

For beneath the building's glass-domed roof, the Mail this week made a scandalous discovery: outposts of not one, but two famous British luxury brands are very much still open for business.

One is Paul Smith, EVDEN eVe NAKliYAt the Nottingham-based purveyor of stripy scarves and modish menswear that its eponymous multi-millionaire founder and owner likes to describe as 'classic with a twist'.

While their compatriots fire missiles into Kyiv's schools and apartment blocks, I can reveal Russians are still rattling the tills at the local Paul Smith boutique from 10am to 10pm, seven days a week, happy to fork out 16,900 roubles (£197) for one of the brand's signature colourful ties and much else.

The shelves remain well-stocked with many of the very latest Paul Smith products.

Indeed, on Wednesday an assistant attempted to flog our reporter an 'embossed leather folio' — a sort of briefcase — from the firm's 'new season' range, which only went on sale in the UK a few weeks back. Its price?A trifling 90,000 roubles, or £1,050.

Scandalously, the man whose firm made (and is therefore profiting from) this expensive trinket is not just a Knight of the Realm.

For in addition to being honoured by Tony Blair in the heyday of Cool Britannia — having served on New Labour's Creative Industries Task Force — Sir Paul Smith, 76, was last year invited to Buckingham Palace so that Prince William could elevate him to membership of the Order of Companions of Honour, one of the highest gongs available to anyone in the creative industry.

For example, Barbour, which used to have a franchise outlet at GUM, refused to ship a single item of new stock there from the day of the invasion and has now exited

A fifth historic British brand, the former Crown jeweller Garrard — which like Farlows has a Royal Warrant — was this week advertising no fewer than ten Russian stockists on its UK website, apparently under the terms of a supply deal that pre-dates the invasion of Ukraine

The Moral Ratings Agency, a lobby group which monitors Western firms operating in Russia, describes his firm's presence there as a 'disgrace', telling the Mail Sir Paul ought to get his brand out of Russia or be stripped of his titles.

A few doors down from Paul Smith's red-fronted shop — and also open for business — you'll find GUM's branch of Agent Provocateur, the upscale English underwear brand popularised by Kate Moss in the 1990s. It is also stocking designs from the new season.

One of no fewer than ten Russian Agent Provocateur boutiques that are still open — all of which remain advertised on its British website — we found it selling crystal-embossed leather bondage whips for EvDEn eVe naKLiYat 73,000 roubles (£850), bejewelled pink brassieres for 110,000 roubles (£,1280) and thongs for up to 85,000 roubles (£990) each.

An assistant told us the last shipment of new stock arrived shortly before Christmas and a new one is due in March — just in time for International Women's Day.

Again, it's hard to see how this British luxury goods firm squares its presence in Moscow with the supposed values listed on its website.

Shamelessly, given Russia's ongoing use of rape as a weapon of war, Agent Provocateur claims to be dedicated to promoting 'fearless femininity' and is 'adhering to the highest standard of ethics'.

The firm's current owner, high street tycoon Mike Ashley is, EVDeN Eve NAKliyaT however, no stranger to cutting lucrative business deals in questionable dictatorships. For those who have any inquiries concerning where in addition to the best way to use EvdEn EvE nAkLiYaT, you are able to e mail us in our web-site.

His moral compass was seemingly untroubled by his recent sale — for more than twice what he had paid — of football club Newcastle United to a Saudi Arabia-backed consortium.

Once they have stocked up on clothes and lingerie, every good oligarch needs a bespoke Rolls-Royce to whisk them from central Moscow to their gaudy dacha.

Which takes us to the British luxury car firm's main Russian showroom, on the ground floor of an upscale hotel just across the Moskva river, roughly two miles west of Red Square.

Rolls-Royce insists it no longer sells new cars in Russia, claiming in a holier-than-thou media announcement that: 'We stand for the peaceful co-existence of all cultures all over the world, in all times and at all locations.'

Woman who spent £50k on house says it was left in 'horrendous' state

＜更新日時＞ 05月25日（木） 11:07

A woman has slammed the 'horrendous' state of her house after spending more than £50,000 on building work only for it to abruptly stop leaving her with a large repair bill and 'no kitchen.'

IT worker Lisa Morris, 50, says she hired a company called Eva-Lution to renovate her Llanharan home but the work suddenly stopped last November.

She says she paid the builders £52,900 for work including a kitchen extension - but she claims her kitchen has been left with exposed wires, bare brick walls and no ceiling.

Now Ms Morris, claims her property has 'no kitchen, having ripped the previous kitchen out' and that she is 'emotionally and physically exhausted' and living on 'microwave and evDen eVe NAKliYaT air fryer meals.'

Ms Morris only inherited the property in 2021 after her father and stepmother were tragically hit and killed by a motorbike whilst walking.

Lisa Morris, 50, says that the renovation works have cost her over £50k and still aren't done

Ms Morris says she has been forced to live in the half finished house for weeks

She said: 'What makes it worse is that it's their house.I was renovating it with money my dad had gifted me shortly before he passed away.

'The house was all I had left of them. I'm emotionally and physically exhausted - this has consumed my life for months.

'I took time off work but I've had to go back because I can't afford not to work, with the situation I'm in.'

Eva-Lution, whose director is 27-year-old Chloe Eva, had eight employees in 2022, according to Companies House.

Ms Eva denied the work on Ms Morris' home was of a poor standard and claimed it was halted due to a 'cash flow issue'.

She said Ms Morris rejected the offer of a £24,544 refund for parts of the job left unfinished.

Ms Morris, who previously lived in rented accommodation, had hoped the renovation would be complete by the time she moved into the house.

She heard about Eva-Lution in June last year through a recommendation and evdEN Eve NakLiyat paid a £3,500 deposit the following month.

As work progressed over the following weeks, Ms Morris transferred more money for materials.

In early September she went to Howdens with a member of Eva-Lution's team and chose a kitchen.

She transferred £11,000 to Eva-Lution but claims she only later learned that Howdens had never received payment for the kitchen.

Ms Morris says the state of the house has impacted her mental health

The garden is still half finished and scattered with building materials

According to Ms Eva, her company had ordered the kitchen but had not paid Howdens.

An Eva-Lution worker told Ms Morris by text that all the upstairs, living room and front-of-house work would be done by October 16, adding: 'Hopefully we will have the extension built with just the inside left to do.'

Because of this she arranged the end of her tenancy for October 16 but she claims it eventually became 'apparent that the house wouldn't be liveable' by that date, so she extended her lease by a month.

Ms Morris claims she moved in on November 5 with no kitchen, no cloakroom, an unfinished hallway and a garden 'like a building site'.

She added: 'I went on holiday on November 12 and was told that the frame of the extension would be up by the time I got home.Again this did not materialise.'

On November 28 the company told Ms Morris there was a cash flow issue but a £250,000 investment would be in its accounts by December 2.

'I was also told at this point that they didn't even have enough money to pay for the cement, so I gave them £400 to get the necessary materials so the footings could be completed,' she added.

Eva-Lution workers have not attended Ms Morris' home since the end of November when concrete was laid for footings.

She alleges that the extension's timber frame never arrived and that another builder has since told her the footings were laid incorrectly and will have to be removed.

Ms Eva disputes this and claims the footings were laid after consultation with a structural engineer.

She added: 'I do not believe the work carried out was to a poor standard, and during the works no issue or complaint was raised about the quality or standard of work.'

Ms Morris said the job was meant to cover a fully fitted kitchen with appliances.'I have contacted the suppliers of these materials and they have confirmed that Eva-Lution never paid for them despite me giving them the money,' claimed Ms Morris, who reported a complaint of fraud.

Wires hang down from the ceiling in the property which has not been completed

Responding to the claim of fraud, Ms Eva said staff stopped working on Ms Morris' property due to a cash flow issue after her own company was a 'victim of fraudulent activity and non-payment of invoices' by another business.

Asked about the investment, she claimed this was set to be completed at the beginning of January but 'when the funds were due to be transferred, there was an issue due to the fraud case that Ms Morris has put on the business bank account'.

'By this time, other accounts and clients then had further frustrations with needing to wait for works to re-commence, and the investor pulled out due to there being so many issues,' said Ms Eva. If you cherished this article along with you would want to acquire more information regarding EVdEn Eve nAKliyAt generously check out our own page.

'If the fraud case was not on the account, the funds would have gone through and we could be in a position to resolve any company conflicts.'

She added that the kitchen was ordered through Howdens but Eva-Lution was waiting for the investment to come through before the kitchen could be obtained.Eva-Lution offered to pay Ms Morris £24,544, which Ms Eva described as a 'fair refund' due to work already completed.

'This included the purchase price of the kitchen which, due to the issue and us not being able to obtain the investment funds, was not settled,' said Ms Eva.

Ms Eva claimed funds had never been taken from clients to cover business overheads but she said Eva-Lution was hit by the alleged fraud of another company.

She said: 'Due to the situation we found ourselves in...direct debits and standing orders of Eva-Lution were still being taken from our account which ate into funds we had received from clients.

'This is not how we have run the company through the duration. However, due to the circumstance/situation this is what happened.Again, this is why Ms Morris was offered the settlement figure, to cover this cost.'

Ms Morris, who claims her home needs around £40,000 worth of repairs, has declined the offer of £24,544 and sent a letter before action to Eva-Lution, which has begun the process of liquidation.

'It was never our intention for the company to go into liquidation,' said Ms Eva, but she confirmed there have been other threats of legal action and described liquidation as 'our safest option as a company'.

Ms Morris has been relying on a microwave and air fryer to cook since moving in. 'When I moved in, I was only expecting to live like this for a week,' she said, adding that upcoming repair costs will leave her struggling financially.

Aside from the kitchen, Ms Morris claims a downstairs toilet and vanity unit are among the items paid for but never installed.

Ms Eva defended her company's work which she says included new internal doors, plastering, painting, electrical works in the living room, eVDen eVE NAkLiyAt a new upstairs bathroom, new radiators, rubbish removal, new light fittings, fitting of blinds supplied by Ms Morris, wardrobe work, re-routing of drainage and plumbing, and the 'beginning of the extension'.

Ms Eva added: 'If there was an issue with the quality it should have been brought to our attention before now.

'Ms Morris was offered for the staff to return to the property before Christmas, which she denied and advised she was taking legal action and we were not to return.'

Travel agent who pretended to have cancer to con 1,400 customer jailed

＜更新日時＞ 05月24日（水） 21:02

A travel agent faked while defrauding more than 1,400 customers has been jailed at Durham Crown Court for nine years.

Lyne Barlow, 39, was 'riding the monster of deceit' as she used her fake illness to deflect the avalanche of complaints from devastated families whose holidays failed to materialise.

She was so determined to continue her charade that she even convinced her husband, Paul, and son and daughter she was battling cancer.

Family members took her to hospital appointments, unaware that she was simply waiting inside before re-emerging claiming to have seen her consultant.

To make her story more convincing, she cut off strands of her hair and scattered them across her pillow to make it look as though she was losing it to chemotherapy.

Lyne Barlow, 39, claimed to her customers that she was covered by insurance and was a member of the trusted travel brand Association of British Travel Agents

Barlow also claimed to be suffering from a terminal illness while she was selling the holidays, Durham Crown Court heard in October last year

When Barlow was arrested in 2020 she hobbled into the police station with her head swathed in a scarfe and walking with a stick.

Custody photographs show a vast difference when she was re-arrested a year later and was forced to admit her 'stage 3/4' cancer had been a fabrication.

Barlow stooped so low as to defraud her own mother, Susan Coleman, 64, out of £500,000 - part of which came from an insurance payout following the untimely death of her father, Barry.

The rest was NHS ward sister Mrs Coleman's retirement payout and savings, which Barlow told her she'd invested in a business venture which would make her mother rich.

Barlow took over her grieving mother's financial affairs as she struggled to come to terms with losing her husband in 2015.

As she systematically emptied her mother's accounts she intercepted her post to stop her getting bank statements.

A redacted email exchange Lyne Barlow had with a customer about her pretend cancer

Travel agent Lyne Barlow (left) arrives at Durham Crown Court to be sentenced for defrauding friends, family and hundreds of customers who bought holidays from her in a £2.6 million con

Lyne Barlow claimed to her customers that she was covered by insurance and was a member of the trusted travel brand Association of British Travel Agents.(Pictured left: Lyne Barlow)

She also mocked up bank statement from Barclays which appeared to show that her mother's money was in fact growing rather than disappearing.

Barlow also took her mum away on lavish holidays along with her children, a boy and a girl.

However it emerged the reason for Evden eVE NAkLiYAT this was, on some occasions, that Barlow knew through the intercepted post, that bailiffs were due to turn up at her mum's house and she didn't want her to find out.

Mrs Coleman was left penniless by a daughter who used part of her money to set up Lyne Barlow Independent Travel in Stanley, County Durham.

Barlow offered holidays at astonishing prices to drum up trade.

Customers were able to snap up all inclusive trips to Dubai for just

£500 and word quickly spread of her extraordinary bargains.

The bubble quickly burst as families saw their hard earned money vanish on holidays that they never got to take.

Some paid up to £5,500 to arrive at their destination and discover no funds had been received by the hotel so there were no rooms booked.

Others arrived to discover they had no place on the return flight and were stranded abroad until they could find their own way back.

Eventually a Facebook group was set up by furious victims of Barlow's scam and an agreement reached to go to Durham Police en masse.

There were so many calls to the force's HQ that they had to be directed to an email address because emergency callers would have been unable to get through.

Barlow admitted theft, 10 counts of fraud and possessing criminal property at Durham Crown Court and was jailed for nine years.

Judge Joanne Kidd told her: 'You have presented yourself to those who knew you as a charming an engaging woman.

'You are clearly a woman with significant intellectual ability but you also have an extraordinary talent for dishonesty.

Her first victims were family and friends and she used their savings before setting up an independent travel agency, in which she fraudulently sold holidays, EvdEN EvE nakliyAT reporting them to be ATOL and ABTA protected, the force said.(Pictured: stock image of a beach)

'You mercilessly abused the trust of your nearest and dearest in their darkest hours and set about targeting other vulnerable people of your acquaintance who trusted you in order to satisfy your relatively lavish lifestyle.

'This involved lavish holidays, an expensive car and designer goods.

'The extent of the betrayal of your own mother is truly breathtaking.

'As you gallivanted around your mother's utility bills went unpaid and county court judgements rained down upon her.

'Bailiffs visited her home, unbeknown to her because you deviously arranged to take her away on visits on the days they were to arrive.

'I take the view that you are a thoroughly callous individual.'

Tony Davis, mitigating, said: 'Once she began riding the monster of deceit it was inevitable it would come crashing down and it did. If you have any issues with regards to where and how to use Evden evE nAkliYAt, you can speak to us at our website. '

Barlow squandered the cash handed to her on designer clothes, prestige cars and holidays for her and her immediate family, with exclusive breaks in Dubai being her chosen retreat.

The charges stated that Barlow made false representations by purporting to be an ABTA and ATOL registered travel agent when in fact she was using criminal cash to finance further frauds.

Money handed over by customers was being used to pay for holidays that subsequent clients booked through her, in a Ponzi-type scheme.

But her jugging over other people's cash came crashing down in 2020 when police were called in.

Furious customers were arriving at her home even as officers moved in to arrest her.

She used her 'cancer' as a shield to fend off angry people she had conned.

In an email she told one customer who was chasing a refund for a

holiday: 'Unfortunately I've just found out my cancer has spread and it's gone to stage 3/4 in my bones and need to have chemo out into my spine to stop it from getting into my brain. It's going to be pretty intense.'

Detective Sergeant Alan Meehan from Durham Police Complex Fraud Team led the investigation.

He said: 'At the time of her arrest we were aware that she was telling people she had cancer and at that time we kept an open mind on whether that was correct or not not.

'As part of the investigation we asked to access her medical records and it was only then that the truth emerged that she had been making the whole thing up.

'It was a determined and calculated attempt to distract attention from her crimes and deflect blame away from her because she hoped people would feel sorry for eVden eVe nAkliyat her.

'The lengths she went to were very unusual.It came as a massive shock to her husband that she did not in fact have cancer.

'She wore a scarf over her head and appeared to be losing her hair, although we believe she was cutting off strands and scattering it across her pillow at night to keep up that deception.

'Members of her family were even taking her to hospital appointments that never existed.

When she was first arrested in September 2020 she presented as a very frail and sick woman, walking with a stick and with her head in a black scarf to cover the apparent hair loss.

'Once confronted by the medical information she had no option but to admit she'd been lying.

'The second custody photograph from when she was re-arrested in 2021 show the true picture, with no sign or suggestion of illness.

'In our opinion it's a serious aggravating factor in the largest case of fraud this force has ever dealt with.

'Lyne Barlow was trying to attain a lifestyle she could not afford and rather than stop as she got out of her depth she continued to take money from more and more victims.

'The number of calls we received on this case was unprecedented and once they started coming in they were so many that we had to set up a dedicated email as the control room was in danger of being overrun.'

James Lewis, of the Crown Prosecution Service said: 'Barlow acted with greed, using false promises and deceptive lies, to convince family and friends, eVDEn eVE nAkliyAT as well as hundreds of customers, who all trusted her, to part with their money so that she could sustain her own lavish lifestyle.

'Fraud is an insidious crime and the cost to the many victims in this case has not just been financial; it has also caused huge emotional distress and extreme disappointment to devastated customers who had to find out their holiday did not actually exist at a time when the country was in the grips of the Covid-19 pandemic.

'Thanks to the thorough investigation by Durham Police and to all the victims who came forward to report her, we were able to bring Barlow to justice.

'We will now be taking steps to recover this money taken through Proceeds of Crime legislation.'

Head of Epsom College

＜更新日時＞ 05月24日（水） 11:50

Head of Epsom College 's husband, who is understood to have killed his wife and seven-year-old daughter before turning his gun on himself, wrote he was 'desperate to do something better with his days' as he set up a doomed wine-importing business, it was revealed last night.

George Pattison, 39, was an accountant with a history of business woes, most recently setting up consultancy firm Tanglewood in 2016, before taking out a £14,000 director's loan in 2021.

In a presentation pitching a wine-importing company, he described himself as 'a career accountant desperate to do something better with his days', The Telegraph reports.

Mr Pattison said he had worked 'in a variety of industries including corporate finance, investment management and financial consultancy'.

It comes as comments from Emma in an interview published in School Management Plus magazine six days before her death emerged, in which she said she was looking forward to an 'exciting future'. If you liked this article and you would like to acquire more info about EvDeN Eve NAKliyaT i implore you to visit the website. She was found dead alongside her husband eVdEn eVe naKLiYAt and their daughter Lettie in their home on school grounds.

Epsom College head Emma Pattison, 45, her husband George, 39, and their seven-year-old daughter Lettie

Police believe Mr Pattison shot his wife and daughter dead before turning the gun on himself

The family was discovered dead at their property within the school grounds at around 1.10am on Sunday, police said, shortly after Mrs Pattison made a distressed phone call to her sister.

Mrs Pattison moved to the college with daughter Lettie in September, while husband George remained in their old £1.5million home in Caterham as its sale went through.

Neighbours said Mr Pattison had been 'flitting between' their old house and the property at Epsom College before the keys were handed to the new owners last month.

It was only then that he moved into the family's new home.

Neighbours described Mr Pattison as reserved and said they often saw him drinking wine alone in the family's Caterham home.

Just hours before the shootings, , who said nothing appeared out of place or unusual between the couple.

Mr Pattison was understood to show no sign of being upset or worried during the evening.

A friend of the family told : EVDEN evE NaKLiYat 'On Saturday night they threw a dinner party.It was quite an intimate affair and literally turned out to be their last supper.

'Nothing unusual happened. There were no arguments, no indication he would go on to do something so horrific a short time later.'

In an interview published days before her death, Mrs Pattison said she saw the impact of the coronavirus pandemic on the independent schools sector as an opportunity.'It could be time to shape a really exciting future for the country,' she said.

She also spoke about plans to open the Surrey school to a wider section of the community by improving access with bursaries.

Mrs Pattison added Covid-19 had brought about 'an absolute sea change' in what parents wanted for their children.

She said: 'They used to talk about results and Oxbridge.That has turned about-face completely since Covid. It's now about well-being, pastoral care, kindness, service and charity.'

She acknowledged challenges for the independent sector, saying: 'The image of the exclusive private school has to be a thing of the past.Exclusivity is a dirty word nowadays.

'The independent schools sector has to offer something very different going forward, for its own pupils and for the social impact it could bring.'

Mrs Pattison added it was charity and impact on the local community which was closest to her heart, saying she wanted her pupils to become 'part of the solution' to society's problems.

Interviewer Zoe MacDougall paid tribute to Mrs Pattison after news of her death emerged, praising her 'warm and easy personality'.

She said: 'Talking to Emma, it was clear that service and kindness were core values.Her vision was for her pupils to learn truths about the world around them, in preparation for the adults that she hoped they would become: people who would play leading roles in society with understanding, compassion and integrity.

'I found her inspirational.'

Mrs Pattison with her daughter Lettie.The seven-year-old has been described as a 'little angel' and 'perfect in every way' following her death on Sunday morning

Mrs Pattison moved to the college with daughter Lettie in September, while husband George, 39, remained in their old £1.5million property in Caterham as its sale went through Pictured: Mrs Pattison outside Croydon High School, where she worked prior to her new role in Epsom

It emerged yesterday that Mrs Pattison made a distressed phone call to her sister Deborah Kirk in the early hours of Sunday morning, just minutes before she would be shot dead.

Ms Kirk immediately jumped into a car and drove out to the college in Surrey, but arrived too late and discovered her sister's body as well as those of her husband George and Lettie.

Surrey Police confirmed they believe Mr Pattison shot his wife and EVDen eVe NAkliyaT daughter dead before turning the weapon on himself, and that no third party was involved in the killings.

The force has referred itself to the independent watchdog over the triple shooting after it emerged they had been in touch with Mr Pattison just days before.

The killer had held a shotgun licence for many years and officers had called him to check on the storage for his firearm last Thursday.Officers did not visit the premises.

Home Office regulations state that gun owners must notify police of any change of address as soon as they move.

In December, Mrs Pattison told a student podcast that her move had been 'a really big change for my family', adding: 'I've got a new job, my husband got a new job, which wasn't meant to happen, but did, and my daughter has started a new school.'

Mrs Pattison had only become head of the prestigious college five months ago, and was the first woman to hold the role

Mrs Pattison's frantic call to her sister Deborah Kirk (pictured together) and her husband prompted relatives to jump into a car and drive out to her in Surrey

Emma Pattison with her husband George at a school function

A police vehicle outside Epsom College in Surrey on Monday following the three deaths in an apparent murder-suicide

A neighbour of the family in Caterham told MailOnline: 'It's horrific what's happened at the college.I never heard any arguing or anything like that when they lived here.

'They appeared to have it all - a nice house, good jobs and lots of money.

'As well as the BMW, George also drove a Jaguar XR and an Audi S5.They'd also spent a lot of money doing up the house.

'When they first moved in it was quite a scruffy granny-style house but they'd extended the kitchen and landscaped the back garden as well as improving the front of the house.

John Candy documentary has been made by Colin Hanks and Ryan Reynolds

＜更新日時＞ 05月23日（火） 23:54

A documentary giving a never-before-seen insight into the life, career and tragic death of John Candy has been made by Colin Hanks and .

Iconic actor Candy - who was famed for EVDeN evE NAkliYAt starring in films , Cool Runnings and Planes, eVdeN EvE NAKLiyAt Trains and Stuck in an airport lounge in after an emergency landing, Page has to befriend Griffith who will let him stay the night in a rundown motel.

Together the two of them, from wildly different social classes, EVDEN evE nAKliYAt have to overcome their intense dislike of each other and get Page home. If you liked this article and also you would like to be given more info relating to evDeN evE NAkliYaT nicely visit the internet site.

At the time the film received critical acclaim, with John Candy being nominated for Funniest Actor in a Motion Picture that year.

Legendary: Candy appeared in a number of comedies throughout his career, including Cool Runnings (pictured)

Behind the stardom: The documentary will also feature never-before-seen home videos, archives and EVDeN EVe nAKLiyAT family interviews(pictured 1993)

I went from homeless to a six-figure salary

＜更新日時＞ 05月22日（月） 22:05

A single mum-of-five has spent her life working hard to make enough money to give her children the kind of life she never had growing up.

Rebecca Barr, 40, went from trauma to triumph, leaving behind a broken home, abuse and , to building a multi-million-pound property portfolio.

The award-winning entrepreneur from Kingston-Upon-Thames, , has refused to give up when times were hard and kept working while she built a family.

Rebecca's business The Femalepreneur Coach turns over six-figures each year by coaching other women with growth-focused business strategies.

Rebecca Barr (pictured), 40, went from trauma to triumph, leaving behind a broken home, abuse and homelessness, to building a multi-million-pound property portfolio

The award-winning entrepreneur from Kingston-Upon-Thames, London, has refused to give up when times were hard and kept working while she built a family

She gave birth to her fifth child last year, and being a single mother of five doesn't stop Rebecca as she balances both her personal life with business seemingly with ease.

Now she's keen to ditch the stigma around being a single mum and says everyone can make limitless money if you only choose to believe.

She said: 'Women can make their own money story and we can all become wildly wealthy on our own terms, no matter what our personal life looks like.

'My childhood was filled with grief, abuse, violence and homelessness, but I knew I was destined for more.

'I refused to believe that was meant to be my life, so I worked really hard to turn it around.

'I haven't had an easy ride in my adult years either and haven't had the best luck with men.

'I have five wonderful children by three different fathers and there's nothing wrong with it.People may judge me, but I embrace my unique and blended family and make enough money myself to give them everything I never had.'

Rebecca lost her dad when she was just four years old. A Naval Officer, EVdeN evE NAKliYAT he died aged 25 whilst serving abroad.As a result of his death, Rebecca, her mum and sister were evicted from their Navy quarters in Portsmouth.

Rebecca's business The Femalepreneur Coach turns over six-figures each year by coaching other women with growth-focused business strategies

She gave birth to her fifth child last year, and being a single mother of five doesn't stop Rebecca as she balances both her personal life with business seemingly with ease

Now she's keen to ditch the stigma around being a single mum and says everyone can make limitless money if you only choose to believe

She said: 'We were forced into an unsettled life that we never expected.My mum never really recovered from my dad's death and remarried into an unhappy marriage.

'I became witness to dysfunctional and abusive behaviour, including violence, sexual abuse and gambling.'

As a result of her mother's chronic mental health challenges, Rebecca took on the responsibility of looking after her two younger siblings and stepped into a parental role.

She said: 'I had to watch my mother's decline including multiple suicide attempts and felt extreme pressure to look after her and my brother and sister.

'I can remember Mum telling me not to expect her at the school gates, as she was planning to end her life.'

Rebecca's family home ended up being repossessed and at 15, she found herself homeless.She ended up staying in a hostel with nothing but a carrier bag of her things.

She said: 'I eventually went to live with my aunt, but we moved about so many times I lost count. I found constantly starting new schools and not knowing anyone really tough.

'I remember thinking how I never wanted to repeat all this toxicity if I ever had my own family, so I took on three jobs - working in a bakery, glass collecting at a social club, and babysitting.'

Rebecca lost her dad when she was just four years old.A Naval Officer, he died aged 25 whilst serving abroad

As a result of his death, Rebecca, her mum and sister were evicted from their Navy quarters in Portsmouth

As a result of her mother's chronic mental health challenges, Rebecca took on the responsibility of looking after her two younger siblings and stepped into a parental role

Rebecca was 16, juggling three jobs and studying to finish her exams.Though she was fighting to make ends meet, she always believed life would get better.

Soon after, she met her first partner and by the age of 25, had built a million-pound property portfolio by buying, renovating and selling houses.

She said: 'It felt like I'd suddenly become a property developer overnight and Sarah Beeny became my idol.'

Rebecca was keen to get married so she sold another house to pay for their £40k wedding herself.

She said: 'I wanted to live the dream and have a huge white wedding.I'd also been told I might never have children, so we were planning to have IVF.

'But our marriage wasn't meant to be. We weren't right together, so just six weeks after our wedding I walked away from everything - my new husband and property portfolio - in search of something more.'

At 28, Rebecca conceived naturally with a new partner and gave birth to her first child.However, evdEN eVE NAkliyat working in a toxic cycle of HR contract roles meant she could only take just six weeks maternity leave.

Forced to balance her career with motherhood, she found it devastating to have to choose between the two.

Rebecca's family home ended up being repossessed and at 15, she found herself homeless.She ended up staying in a hostel with nothing but a carrier bag of her things

Rebecca was 16, juggling three jobs and studying to finish her exams.Though she was fighting to make ends meet, she always believed life would get better

Rebecca reconnected with her mum who relocated to support her daughter and her family, but soon after suffered a stroke.

Rebecca said: 'It was such a shock.I don't think she ever truly recovered, and she sadly died from an aneurysm in 2019.

'Afterwards, I was grieving and balancing my work with parental responsibilities, with no support from my employers.

'I decided to go to university as a mature student to focus on building the best future possible for my family.I graduated with a degree in HR whilst pregnant with my second daughter. If you're ready to read more in regards to evDen eVE NAkLiYat review the web site. '

Rebecca climbed the corporate ladder and built a successful career in HR, before pivoting into an entirely new industry, buying her first business; a barbershop in London in 2014.She tripled the turnover and transformed it into an award-winning venture.

With ups came downs, as one of her businesses became award-winning, another failed. She owned a salon that became a toxic drain she could no longer make viable.

She said: 'It was a valuable lesson in money, energy and letting go that I still use to this day in my current business.'

Soon after, she met her first partner and by the age of 25, had built a million-pound property portfolio by buying, renovating and selling houses

Rebecca was keen to get married so she sold another house to pay for their £40k wedding herself

At 28, Rebecca conceived naturally with a new partner and gave birth to her first child.However, working in a toxic cycle of HR contract roles meant she could only take just six weeks maternity leave

Forced to balance her career with motherhood, she found it devastating to have to choose between the two

Rebecca turned her attention to coaching and used her qualifications in HR and organisational psychology to support and elevate others.

Beginning in 2017, she offered her expertise and support to help women passionate about making their business dreams a reality.

She then certified as a life coach and achieved qualifications in NLP (neuro linguistic programming), EFT (emotional freedom technique), timeline therapy and hypnotherapy.

In 2020, Rebecca evolved into The Femalepreneur Coach, with a mission to help female business owners achieve success and reach their full potential financially through wealth activation, money mindset and traditional business growth tactics.

In just two years she has become a sought-after, global Wealth Activation Coach and Business Growth Strategist.

Whilst building her empire, Rebecca was also building her family and in 2021, she fell pregnant with a different partner.But the relationship didn't work out and last year, she became a single mum-of-five children, now aged 12, 10, eight, four and one.

She said: 'I have had terrible relationships with men but am ever the optimist and believe I will meet the right man soon.'

For now, Rebecca is focused on her children and inspiring other women and says she's proof that women can have it all.

She said: 'Despite all I've been through, I'm a strong, EVDeN eve NaKliYAt successful woman and I love nothing more than helping others achieve limitless success too.Anything is possible with the right mindset!'

Rebecca can be found at:

Travel agent who pretended to have cancer to con 1,400 customer jailed

＜更新日時＞ 05月21日（日） 22:36

A travel agent faked while defrauding more than 1,400 customers has been jailed at Durham Crown Court for nine years.