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My life inside 90s most wild band from flying planes stoned to secret plans with Oasis by Prodigy star Leeroy Thornhill

IN the Nineties, four mates from the east of England became the biggest dance music act in the country – with The Prodigy landing two No1s in a row.

The band, best known for belting hits Firestarter and Breathe, were the surprise special guests for Oasis’s legendary Knebworth gig, while David Bowie said he’d rather be their support act than come on after them on stage.

a man with purple hair wears a michelin jacket
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Leeroy with Liam and Keith at the MTV Awards in Paris, 1995[/caption]
a man with his hands folded in front of a wall that says argentina
Dan Charity
Leeroy has now written a book, titled Wildfire, about his decade of excess with The Prodigy[/caption]
a group of men standing in front of a sign that says hard hat area
Getty
The band pose for a publicity shot in London in 1991[/caption]

That’s because their unpredictable shows were full of raw punk/rave energy that few could match. The Prodigy launched when dancer Leeroy Thornhill and his pal Keith Flint convinced songwriter Liam Howlett to let them front his explosive music.

Joining the three Essex lads was Maxim, an MC from Peterborough.

Leeroy, 55, who quit the group in 2000, has now written a book, titled Wildfire, about his decade of excess with the free-spirited quartet, flying planes while high and ending up drunk and naked in hotel stairwells.

The dad-of-two, who continues to DJ and write music, also speaks movingly about his friend Keith, who was found dead at his home five years ago aged 49 after a suspected suicide.

Here. Leeroy recounts some of The Prodigy’s extreme exploits.

We take controls of our private jet… stoned on weed

BACK in 1998, The Prodigy had to hire a private plane so they could get to a ­festival in France from London Stansted.

When the pilot told them: “Feel free to smoke,” one of the band’s crew started rolling a joint.

Leeroy says: “Getting stoned on a plane. Oh man, that was a crazy one.”

It got crazier because the pilot then asked: “Who wants to try flying the plane?” Leeroy recalls: “We are all ­buzzing at the idea of having a go at ­flying, heading into the cockpit one at a time to take the controls.

“When I took over, the sky was clear. It was such a strange feeling. The steering was really sensitive, so if you were heavy-handed, you ended up in a nosedive.

“When it was Keith’s turn to take over, he sent the plane upwards so steeply that we were all freaking out and shouting, ‘Get him back here!’.”

prodigy performing on stage in front of a colorful wall
Liam on the keyboards and Leeroy dancing at an early gig
Orion books
three men are riding scooters one of which has the word nike on it
Leeroy Thornhill and the band fooling around on scooters
Orion books

Fan dives through window to get into a gig

DURING one of their early gigs, a fan was so distraught about not having a ticket that he dived through a window to get in.

What the over-enthusiastic raver did not realise was the venue, in Folkestone, Kent, was in a cellar three storeys down.

He landed on the group’s ­mixing desk and had to go to hospital. Leeroy says: “God knows what he was on or what he was thinking of to even dive through a pane of glass. He was shaking.

It was horrendous.” The band were used to stage-divers invading their space and would sometimes help them on their way.

a person with green hair is being lifted in the air by a crowd
Getty
Keith crowdsurfing at Knebworth 1996, where they played before Oasis[/caption]
a man wearing a plaid shirt and a red tag around his neck
Orion Books
Keith before his legendary devil-horns hairdo[/caption]

But Leeroy says: “I wouldn’t go down to the front of the crowd if you paid me. People used to get crushed or they’d get dragged out, passing out.”

I wake up naked in a hotel emergency exit

LEEROY and the others realised early on that taking unpredictable drugs such as ecstasy would ruin their stage performance.

Dancing in front of thousands of fans at festivals and sweaty venues across the globe was “the best high” in itself.

But they did like to wind down in hotels later by smoking marijuana and drinking.

There was a time when the band were in Australia that, if anyone wanted to find Leeroy, “they just rang the bar because that’s where they’d find me”.

Leeroy continues: “This guy there was the best cocktail mixer, so I’d be in all the time.

“I remember Keith had an absinthe phase. I also had a few vodka Red Bull moments and I’d wake up naked down the emergency exit in the hotel.

“It was a little vodka blackout or ­something.”

Bowie: Can I be your support act?

THE PRODIGY got to know Bowie while performing at festivals around the world.

The musical chameleon, who went from glam rock to pop to dance, died in 2016.

Bowie admitted to taking all kinds of drugs to excess during his early years, so the advice he offered Leeroy came as a bit of a surprise. The dancer, who was just thrilled to meet “one of my heroes”, let alone work with him, recalls: “He said, ‘Don’t do too many drugs’.”

One time, Bowie told The Prodigy he’d be happier if they went on stage after him. Leeroy says: “When we got there, we were supporting him.

“He said, ‘I should go on first’, because he understood how hard it was to follow The Prodigy.”

We don’t smash up hotel room TVs… we pinch them instead

THERE were moments when the ­quartet’s ­frustration boiled over, with Keith smashing lights on stage as well as the phone in his hotel.

   But Leeroy reckons that rather than doing the rock ’n’ roll thing of “throwing things out of hotels”, they preferred trying to nick mementos.

He recalls: “I’d have Keith trying to come out the window, saying, ‘Bring the van round the back’. We’d go round the back and he’s trying to climb out the ­window with the TV. They weren’t flatscreen. They had a big old back on.”

Leeroy told him: “You do know we’re gonna have to pay for it?” They even had a competition with another band to see who could steal the oddest items from rooms, such as pedal bins.

A scary spliff in airport customs

THE stars found themselves in some tight spots – such as when a tour promoter in Eastern Europe smoked a spliff at an airport customs office.

Leeroy recalls: “We’d do these photos for the customs ­officers, give them our passports, go in this little room and the promoter’s pulled out his two joints.

“He fires up this joint. No one wanted to get caught with it.” Even when customs officials smelt the cannabis, nothing was said.

In the US, they were asked to meet the son of ex-president George W Bush in their room. Leeroy says: “We had some strong weed that was stinking.” They met outside instead.

We’ve lived 10 lifetimes, Keith more

WHEN Leeroy last met Keith in Berlin a couple of months before his death, there was “no sign” anything was wrong with his long-time pal.

And the day before The ­Prodigy ­frontman was found hanged in his home in North End, Essex, in March 2019, he was “running, doing his usual stuff.”

Leeroy believes that “if anyone had known” anything was wrong with Keith, “it wouldn’t have happened” because they would have had a chat with him.

The coroner recorded an open verdict on Keith’s death, noting that the ­presence of alcohol and drugs in his bloodstream meant no one could be sure if the singer had intended to take his own life.

Leeroy prefers to look back on the man who sang on Firestarter and Breathe as someone who lived life to the fullest.

He says: “As long as this planet is ­spinning, he’s here. Someone’s going to be listening to his music, watching his videos.

“We’ve lived ten lifetimes – him more. We’ve done everything we could ­possibly want to do.”

Supporting Oasis at Knebworth… we hide!

THE biggest gig of the Britpop era was Oasis’s two-day concert in the grounds of Knebworth House in Herts in 1996.

No one knew who the “special guest” act was going to be on the Saturday night.

Leeroy says: “It was once in a lifetime. I thought it was awesome because no one knew we were there. We had to hide. We had to keep out of sight.”

There were around 125,000 people waiting to see who would appear on stage before Noel and Liam Gallagher.

He recalls: “You can actually hear a gasp of air when we come out. It was kind of mad.”

Leeroy is a huge Oasis fan and says he would like to perform with them again on their comeback tour. He adds: “They’re amazing songwriters.       “They should not have split up in the first place.”

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Leicester 1 Forest 3: Chris Wood downs old boss Steve Cooper with stunning double as high-flying visitors go FIFTH

CHRIS Wood haunted former boss Steve Cooper with the goals that took Nottingham Forest fifth in the table.

It was the now-Leicester City manager Cooper who took Wood to Forest 16 months ago in a £15million deal from Newcastle.

two soccer players on a field with one wearing a kaiyun shirt
Chris Wood celebrates his match-winning double for Forest
AFP
a soccer player with the number 5 on his jersey
Getty
Wood rounded off his brilliant first goal with this shot to make it 2-1[/caption]
a soccer game is being played in front of a raussc.com ad
Reuters
He then looped home a header to complete Forest’s victory on the hour[/caption]

Cooper may have known what he was doing – but he would not have seen this scenario coming.

The Kiwi striker struck in the space of 13 minutes after the break to make it a miserable reunion for Cooper – who was sacked by Forest last December.

And the travelling City Ground fans did not let him forget it at this East Midlands derby – as they revived a chant from his days on Trentside.

They sang: ‘Stevie Cooper, he hates the Leicester, he hates the Derby, Forest are magic’.

Forest had taken the lead through home-grown skipper Ryan Yates – only for Jamie Vardy to level the scores.

But it was Wood, 32, who had the final say as he scored for the third game running to make it seven for the season as Forest gatecrashed the top six.

Cooper will be furious with his side’s defending though – as Leicester made mistakes for all three of Forest’s goals.

The Foxes boss was reluctant to talk about his City Ground spell in the build up to the game – and only mentioned them once once in a paragraph near to the end of his programme notes.

a soccer game is underway and a goalie is diving to catch the ball
Rex
Jamie Vardy had put Leicester level midway through the first half[/caption]

FOOTBALL FREE BETS AND SIGN UP DEALS

Forest boss Nuno Espirito Santo was serving the second game of a three-match touchline ban and sat at the back of the main stand with the Forest analysts as his side clinched their second win in five days.

The Portuguese coach saw Forest take a 16th minute lead when Yates made the most of a series of defensive errors.

Facundo Buonanotte misplaced a pass and when the ball came back into the Leicester box from Elliot Anderson, James Justin sliced his clearance to Yates to net from the edge of the area.

But the Foxes levelled just seven minutes later as Vardy displayed his poacher instincts.

Harry Winks delivered an ideal cross into the six yard box – and Vardy got in ahead of Murillo to grab his fourth goal of the season after a superb team move.

But Forest should have regained the lead just moments later as Foxes keeper Mads Hermansen made a point blank save from Nicolas Dominguez.

Hermansen made another crucial save nine minutes before the break when the Dane produced a flying stop to keep out a long range effort from Callum Hudson-Odoi.

It was end to end stuff and Stephy Mavididi almost put Leicester ahead in first half stoppage time when he curled a shot just wide of the far post. 

But Forest went ahead just one minute after the restart.

Again, Leicester were at fault with Winks losing the ball with the Foxes in little danger.

It was Anderson once more who took advantage and slid the ball in for Wood to turn and fire home just out of Hermansen’s reach as the ball squeezed in.

The goal put Forest in control, and Hudson-Odoi almost made it three when he swept a shot against the post – with Anderson putting the rebound wide.

But Leicester shot themselves in the foot yet again on the hour when they gifted Wood his second of the game.

Belgium defender Wout Faes appeared to have a long ball from Forest keeper Matz Sels under control – but when he mis-timed his header back to Hermansen, Wood nipped in to finish the job.

Wood was subbed as Forest saw out the game – wary of Leicester’s comeback at Southampton last weekend.

But the Foxes looked a beaten side after Forest’s third goal.

Forest fans continued to taunt Cooper in the final stages with a chant of: “Take them down, take them down Stevie Cooper”.

In contrast, Leicester fans booed their team off at the final whistle.

a soccer player with the number 2 on his shorts kicks the ball
Reuters
Ryan Yates drilled the opener for Forest on 16 minutes[/caption]

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Dom Young ready to fire England to Samoa revenge after terrifying brain scare

a rugby player is running with the ball and his shorts say betfred
Young is set to reclaim his wing spot at Wigan
Reuters

DOM Young has waited two years to help England to glory, taking in a terrifying health scare.

The 6ft 5ins Sydney Roosters winger flew home for last year’s Test series with Tonga but the closest he got was a ward at Leeds General Infirmary.

a rugby player wears a jersey with the word fred on it
Dom Young is fit and firing for England after a brain health scare last year
PA

For a sinus infection spread to his brain, with an abscess pushing on its lining, leaving him unable to open his eyes and meaning weeks of recovery.

Now he is here and healthy, he is determined to follow on from his blockbusting displays at the 2022 World Cup.

And avenging the shattering World Cup semi-final loss to tomorrow’s opponents Samoa would go a long way towards easing his frustrations.

Young said: “I was in hospital for a while, it was definitely bad. I came over to play and the closest I got was LGI. It was a nightmare.

“I was in for a few weeks. I don’t remember how many exactly, then I was on IV for another six to eight after that, so it was pretty serious.

“After that it was Christmas. I pretty much started feeling OK before it, then I went out to Oz straight away. It was no fun.

“When I came back to England, I was a little bit shaky. I wasn’t 100 per cent but it picked up when I got back.

“I don’t think the flight helped with all the pressure and that, it wasn’t nice. This time, though, I was definitely feeling a lot better.

“It did feel a bit funny coming back because the last time on the flight, that’s what happened but I’ve been fine. I’ve been back a while now and I’m ready to go.”

On one side of the world he is Dom Young, NRL superstar. Going for a coffee involves posing for fans’ photos as rugby league there has the same billing as Premier League football here.

When he heads back to his native Wakefield, he is just Dom who is asked to chip in with housework.

a group of rugby players on a field with one wearing the number 11
Samoa stunned England in the World Cup semi-final
SWPIX.COM

Amazingly, he never made it in Super League as Huddersfield wasted the 6ft 6ins starlet’s talents before a gamble to join Newcastle Knights paid off big time.

Now he is starring with the Roosters but once he walks through the door at home, things change.

The 23-year-old added: “It’s good to come back and get in the mix with family and friends but as soon as I got home, my mum and dad were bossing me around, so they definitely bring me back down to being that young kid who’s never done anything.

“I’m still trying to get my mum to do everything for me. She’s retired now, so she’s plenty of time to do it but she’s still always telling me what to do!

“Being able to just go for a coffee is nice but it’s not too bad over there. I do get asked for photos but I’m not like James Tedesco or anyone like that.

“I think I’m all right and when I’m going around my area, everyone knows me anyway.”

a rugby player is running with the ball and his shorts say betfred
Young is set to reclaim his wing spot at Wigan
Reuters

While Samoa are serious about deepening England’s wounds, the message from boss Shaun Wane is simple, ‘Nothing less than 2-0 will do.’

And belief throughout the camp is strong that they are better now than two years ago – that includes Young.

He continued: “It definitely hurt and took a while to get over. All the boys were pretty devastated. We felt like we were in a really good spot and we really wanted to win the World Cup at home.

“But when you do go through those hard moments together, it does bring you a bit closer and you probably saw that last year with the job we did against a really strong Tonga team.

“And it would be nice to get one back for me personally. It would be pretty sweet if we could get the win.”

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Corner shop with over 1,000 locations selling Terry’s Chocolate Orange for just £1 so shoppers can stock up for Xmas

A CORNER shop is selling the beloved Terry’s Chocolate Orange for just £1 – so shoppers can stop up for Christmas.

The deal can be found in One Stop, which has over 1,000 across the country.

a blue box of terry 's chocolate orange milk
Getty
Terry’s Chocolate Oranges can be picked up at the bargain price of £1 in One Stop shops[/caption]

Flavours include the classic original, Chocolate Mint, and Chocolate Orange Toffee Crunch.

News of the discount was posted in the Extreme Couponing and Bargains UK Facebook group, garnering 125 reacts and 146 comments.

Users were quick to tag family and friends in the comments, with one saying: “May have to go get some mint ones.”

Another mysteriously wrote: “I will have to grab some for our Christmas pudding project.”

The £1 price tag is a reduction from the usual £1.75 – and will be available until November 5.

Chocoholics can find their local store at www.onestop.co.uk/store-finder/ to shop the deal.

It is the best discount out there for Terry’s lovers, with Chocolate Oranges currently on sale for £1.50-£1.65 at Tesco, £1.50 at Asda, and £1.50 at Ocado down from £2.

It comes just months after Terry’s launched a brand-new flavour of Chocolate Orange – weirdly enough, without the “orange”.

The Chocolate Milk treat, nicknamed “Chocolate No Orange”, hit B&M in August.

One confused customer wrote: “I’m sorry but it’s a Terry’s chocolate orange. It’s in the name lol.”

In other exciting news for chocoholics, a so-called “extinct” chocolate Cadbury’s bar – the Fuse bar – was spotted in miniature form at B&M.

Meanwhile, shoppers raved about a new type of M&M – the Candy Popcorn M&M Minis.

And Nestle added a new chocolate to its Quality Street “Favourites Golden Selection” pouch: the Toffee Penny.

How to save money on chocolate

WE all love a bit of chocolate from now and then, but you don't have to break the bank buying your favourite bar.

Consumer reporter Sam Walker reveals how to cut costs…

Go own brand – if you’re not too fussed about flavour and just want to supplant your chocolate cravings, you’ll save by going for the supermarket’s own brand bars.

Shop around – if you’ve spotted your favourite variety at the supermarket, make sure you check if it’s cheaper elsewhere.

Websites like Trolley.co.uk let you compare prices on products across all the major chains to see if you’re getting the best deal.

Look out for yellow stickers – supermarket staff put yellow, and sometimes orange and red, stickers on to products to show they’ve been reduced.

They usually do this if the product is coming to the end of its best-before date or the packaging is slightly damaged.

Buy bigger bars – most of the time, but not always, chocolate is cheaper per 100g the larger the bar.

So if you’ve got the appetite, and you were going to buy a hefty amount of chocolate anyway, you might as well go bigger.

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Ex-England star Frank Lampard left baffled after his photo was used on labels for a £38million stash of drugs

THREE Lions legend Frank Lampard was left baffled after his photo was used on labels for a £38million stash of deadly “ice meth” seized Down Under.

The image of the former England midfielder, 46, was plastered on bricks of the drug found in a duffel bag at a surf club.

a man in a suit and tie is giving a thumbs up
@ Debs Coady/Wikimedia
Frank Lampard was left baffled after his photo was used on labels for a £38million stash of deadly ‘ice meth’ seized Down Under[/caption]
the back of a white van with a badge that says police
Australian Federal Police
The image of the former England midfielder, 46, was plastered on bricks of the drug found in a duffel bag at a surf club[/caption]
a piece of paper with a picture of a man on it
Australian Federal Police
The labels showed him in a suit and tie with his hand raised to salute Chelsea fans on his farewell lap of honour at Stamford Bridge in 2017[/caption]

It showed him in a suit and tie with his hand raised to salute Chelsea fans on his farewell lap of honour at Stamford Bridge in 2017.

Bemused dad-of-two Frank laughed yesterday when shown snaps from the police swoop.

Speaking outside the West London home he shares with TV star wife Christine, he told The Sun: “Yeah, you probably know my answer on that one. What am I gonna say about that? I’m not aware of it. I don’t even know what to say to you to be honest. I’ve literally no comment on that.”

There is no suggestion at all that the soccer hero — capped 106 times by the Three Lions and regarded as one of the greatest midfielders of his generation — was involved in the drugs ring.

Instead, investigators believe a drug producer may be a Chelsea fan and added the distinctive label in a tribute to their hero.

Each individual brick was wrapped in plastic and marked with the Lamps stamp, reckoned to be the trademark of the gang supplying the drugs.

Australian Federal Police tracked the 95kg shipment of methamphetamine from Los Angeles to Maroubra, in East Sydney.

They also seized £77,000 in cash during the major bust.

Alleged trafficker Richard Prothero, 37, from South West Sydney’s Liverpool suburb, was arrested at gunpoint in the car park of the club on Tuesday.

Armed officers swooped after watching him collect a key from under a car’s bumper and starting the engine.

Prothero was charged with attempting to possess a commercial quantity of border-controlled drugs and made no application for bail when he appeared in court.

Lamps began his football career at West Ham before moving to Chelsea in a 2001 deal worth £11million.

He became the club’s all-time leading scorer with 211 goals in his 429 appearances.

Australian Federal Police
Alleged trafficker Richard Prothero from South West Sydney’s Liverpool suburb, was arrested at gunpoint in the car park of the club on Tuesday[/caption]

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What’s next for annuities? Pension experts reveal how to get the best deal for your retirement

PENSION annuity rates and sales are rising and experts say now is a good time to buy one.

But the trick is to find the best deal for your old age.

a man in a leopard print shirt is holding a fan of money
Getty
Pension annuity rates and sales are rising and experts say now is a good time to buy one[/caption]

Ellie Smitherman talks you through it . . . 

IS AN ANNUITY RIGHT FOR YOU?

ANNUITIES are retirement plans pensioners can buy to provide them with a fixed regular income for the rest of their life.

Rates are usually shown as how much money you will receive per year for every £100,000 you pay in.

For example, an annuity rate of 5 per cent would mean you get £5,000 for every £100,000 you invest – so if you paid an annuity provider £50,000, you would get £2,500 a year.

If you buy an annuity, you can opt to take a quarter of your pension pot as a tax-free lump sum.

The rest is then converted into a taxable lifetime income.

Exactly how much an individual gets from an annuity depends on their personal circumstances, such as if they are in good health, their life expectancy and how much their pension is worth.

Annuity rates have surged in recent years.

Average annuity rates for a 65-year-old are currently 7.18 per cent, up from 5.11 per cent in January 2022.

The latest data from the annuity comparison tool of financial services firm Hargreaves Lansdown’s shows a 65-year-old with a £100,000 pension pot can get up to £7,146 a year.

This is up 43 per cent on what they would have got just three years ago.

But money paid from an annuity is subject to income tax.

And taking money from a pension in a lump sum can affect your means-tested benefits – they could be reduced or even stopped.

What’s next for rates?

RETIREES are rushing to lock in high rates, says Helen Morrissey, head of retirement analysis at Hargreaves Lansdown.

This is because many think the Bank of England will cut interest rates in the next few months, and this could have a negative impact on annuity rates.

Helen told The Sun: “After years on the sidelines of the retirement income market, annuities are enjoying their time in the sun, as increasing interest rates pushed incomes skyward.”

Emma Watkins of pension provider Scottish Widows added: “While it’s hard to predict the future, many think annuity rates will follow the base rate down over the next few years – while staying well above historic lows.”

But experts urge retirees not to buy too much into the predictions.

Lorna Shah, managing director of Legal & General Retail Retirement, said: “While some commentators are suggesting annuity rates might change, economic and political uncertainties mean annuity rates can be very hard to predict.

“Instead of trying to make a decision based on rates, it’s important for people to think about personal needs and how different products can work together to give them the best result over the long term.”

HOW TO GET THE BEST DEAL

AS you get closer to retirement age, your pension provider will send you information about the value of your pension pot and the options available to you to take money from it.

Some providers can offer you an income directly.

a woman is smiling while sitting at a table with two older people
Only non-advised providers will give you a quote without you taking advice first

But remember, you don’t have to take an annuity offered by your existing provider.

Buying an annuity is usually an irreversible decision so it’s crucial to consider your options, choose the right type and get the best deal you can.

Research by Hargreaves Lansdown found the difference between different providers’ rates can be worth thousands in retirement.

So shop around for your annuity – it almost always gives you a higher income in retirement.

Use tools such as the Money Helper’s annuity comparison tool, or use annuity brokers to find the best deals currently available on the market and tailored to your circumstances.

You can find a broker online but check reviews and fees.

Only non-advised providers will give you a quote without you taking advice first.

They will simply offer you the best rate they can find on the market.

There may be annuity providers offering higher rates via only a financial adviser.

If you are close to retirement and unsure about annuities or making the most of your pension pot, Pension Wise can help.

It’s a free service from government-backed financial guidance adviser, MoneyHelper.

To find an independent financial adviser, see the Unbiased website, but you will likely need to pay for their advice.

You can also compare annuities yourself on the Annuity Ready website .

If unsure how much to save, the Retirement Living Standards website shows the cost of different retirement lifestyles.

Then use a retirement income calculator to see how much you need to save to reach the level you desire.

Bear in mind there are lots of types of annuities so do your research and get advice to find the best fit for you.

There are pitfalls, too, such as the fact you cannot change your mind – annuities are a lifelong buy so you need to be certain.

This also means if there’s a chance your income needs might change drastically in the future, an annuity might not be the best option for you.

Remember not to automatically accept the annuity rate offered by your pension provider without checking what is on offer across the rest of the market.

THE BEST ALTERNATIVES

IF you want more flexibility over your income you might want to consider a different approach.

Most retirees now opt to leave their pension invested in the stock market, and take income as and when they need it, via “drawdown”.

As with an annuity, you can withdraw a quarter as a tax-free lump sum, with the rest taxed as income.

Drawdown is more flexible than an annuity, and returns may be higher, but savings are exposed to greater volatility.

If there is a stock market crash, the fund value will fall, so your income needs may not be met.

If you are considering a draw-down, seek financial advice.

You are not limited to picking one option. You can mix and match.

So you could use some of your pot to buy an annuity and leave the rest invested to draw an income from it.

FIVE FACTORS KEY TO RATE YOU’LL GET

VARIOUS factors impact exactly how much income you get . . . 

  • GILT YIELDS: Annuity providers tend to fund them using returns from government bonds called gilts. The Government pays the annuity provider a fixed interest amount, tied to the Bank of England interest base rate. When the base rate rises, gilt yields also increase, subsequently boosting annuity rates, as observed in recent years.
  • THE VALUE OF YOUR PENSION: The size of your pot is the primary factor determining your annuity income. The more savings you allocate to buy an annuity, the higher your income will be.
  • AGE AND LIFE EXPECTANCY: How long you are expected to live significantly influences the annuity rate you are offered. The more years this is, the lower your rate, as the provider will be paying you for a longer period. For example, a 60-year-old will typically receive a lower income than a 70-year-old.
  • YOUR HEALTH: Poor health, smoking or being overweight can lead to a shorter life expectancy, which may qualify you for a better annuity rate. It is crucial to declare any health conditions to your provider.
  • YOUR POSTCODE: Annuity providers use your postcode to estimate life expectancy. If you reside in an area with a lower-than-average life expectancy, you may be offered a slightly higher rate.

‘There’s been a cloud over my solar power payments’

Q: I HAVEN’T been paid for my solar panels in almost nine months and I don’t know why.

I got them in 2011 and my energy supplier, Ovo, usually gives me money for energy I generate every three months.

But I haven’t been paid since February this year, covering from December 2023.

I have complained but haven’t had a straight answer as to what’s causing the delay. Can you help?

Leighton Reardon of Blackwood, Caerphilly

A: SOLAR panels can be a great long-term investment, as your energy supplier should reimburse you for any energy you generate yourself and supply back to the grid.

Unfortunately, there are often requirements you have to follow to ensure you keep getting your payments.

In your case, for example, Ovo Energy explained that you need to submit a “meter verification” every two years.

This involves sending a photo of your meter to the firm so it can check your latest reading.

You were supposed to submit your latest photo around July 2023, but Ovo said it didn’t receive it until August this year.

A spokesperson for the firm said it sent you a reminder in February.

But you clearly had not realised this was stopping you receiving your payments, and I’m concerned about why this was not made clear when you repeatedly called to complain.

You said staff on the phone “fobbed you off” and didn’t understand the problem.

I have asked Ovo to investigate, as I feel your problem could have been easily resolved over the phone.

Ovo has now reached out to explain what happened and what you need to do in future.

And a spokesperson said you will now be paid for the full period from December 2023 to September 2024 by early November, which you are happy with.

A spokesperson for Ovo said: “We’re glad to put this right so Mr Reardon can benefit from his panels.

“Our team continues to be on hand to support with any further questions.

“We encourage customers to contact us if they have any questions about their solar panels.”

Premium prizes take a hit

MILLIONS of Premium Bond holders will see their chances of winning cash tumble next month.

National Savings & Investments has slashed the prize fund rates for the second time this year in a blow to savers hoping to score a win.

a congratulations card for premium bonds is surrounded by gold coins
Getty
Millions of Premium Bond holders will see their chances of winning cash tumble next month[/caption]

Ellie Smitherman explains what you need to know . . . 

WHAT IS CHANGING? Premium Bonds are a type of savings account that doesn’t offer interest payments like conventional accounts.

Instead, you’re given the chance to win a prize in the draw every month.

The prize fund rates are to be cut to 4.15 per cent from 4.4 per cent from December.

Savers will see their chances of winning in the monthly draw slide from 21,000 to 1 down to 22,000 to 1.

The prize fund was already cut earlier this year, falling from 4.65 per cent in March.

NS&I is also cutting interest rates for Direct Saver and Income Bonds to 3.75 per cent from 4 per cent where it has been since November 2020.

HOW MUCH CAN YOU WIN? There will continue to be two winners of the top £1million prizes from December’s draw.

And the number of the lowest £25 prizes will increase from 1.49m to an ­estimated 1.5million in December.

But the number of winnings between the biggest and smallest prize will all fall.

Overall, there will be an expected 5,726,438 prizes worth £435,686,300 in December, down from 5,991,306 prizes worth £461,330,525 this month.

Each £1 you put in ­Premium Bonds is an entry into the monthly prize draw.

All bonds have an equal chance of winning and the more you buy, the greater your chances.

SHOULD I CASH IN? Two thirds of ­Premium Bonds holders have never won, according to recent figures from a Freedom of Information reguest obtained by savings platform AJ Bell.

These savers may have missed out on significant returns in a higher paying cash account or by investing money – particularly if they have held the bonds for a long time.

If you are looking to make a decent and reliable return on your cash, numerous savings accounts pay a better rate.

For example, you can currently earn 5 per cent interest with app-based provider Chip on its easy access account.

It’s worth noting that Premium Bond winnings are tax-free.

Anyone who has used up their annual ISA limit or personal savings allowance could benefit by ­saving into Premium Bonds.

Premium Bonds are government-backed, meaning your money is safe and there’s no risk of losing it.

But other banks and building societies are protected by the Financial Services Compensation Scheme, which covers up to £85,000 of money per person, per financial institution.

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Troy Deeney: There’s NO conspiracy against Arsenal… the red cards have been stupid and petulant – and it has me worried

ARSENAL’S red-card run has me worried — but not for why you might think.

If the likes of Declan Rice, Leandro Trossard and William Saliba had been sent off for violent conduct, aggressive behaviour or arguing with refs, I could understand.

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Mikel Arteta can’t legislate for stupid things his players are doing[/caption]
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Rex
Declan Rice’s red card was unlucky but showed Arsenal’s recklessness[/caption]
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Leandro Trossard’s actions for his dismissal were so needless[/caption]

These things happen, move on.

But in Arsenal’s case, none of them were for tackles. They were simply for petulant, lazy and stupid actions — things that manager Mikel Arteta cannot account for.

In all fairness, Rice’s red against Brighton for kicking the ball away was mental. The ref handled that badly.

But Trossard’s against Manchester City was incredibly petulant.

And with Saliba’s at Bournemouth, he has got credit for reacting to a poor pass — ironically from Trossard — but I would have backed him to get back and for David Raya to save it.

It is something that keeps happening.

My other concern is the Arsenal players are starting to feel there is an agenda against them from the Prem refs — which there is NOT.

I have seen it in dressing rooms — you can find an excuse if you are looking for it. As players, it is never our fault.

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Rex
William Saliba saw red for a challenge that was clumsy in more ways than one as he felled Bournemouth striker Evanilson in mid-pitch[/caption]

FOOTBALL FREE BETS AND SIGN UP DEALS

And if you are hearing it on social media and begin talking about it then it will seep in.

I am also worried that when these red cards have been given, I haven’t seen or heard of anyone screaming or shouting, pointing fingers.  That’s maybe a sign of the times.

I was sent off five times in my professional career and every time in the dressing room after the games, I’ve got hammered for letting the team down.

I have experienced all of the emotions. Sometimes you feel hard-done-by and there is an element of smashing the dressing room up because you are angry, and sometimes I felt like a kid again getting told off by my parents — there is so much shame.

I don’t sense that has happened at Arsenal; more: “Unlucky, mate. Better luck next time.”

Arsenal players are starting to feel there is an agenda against them from the Prem refs — which there is NOT.

Troy Deeney

You need accountability, you need players to show their frustration.
When Saliba was sent off and the team then lost 2-0, I would expect someone to at least ask: “Why did you do that?”

You are supposed to have conflict. You are allowed to hold people to a high standard.

Arsenal have obviously been doing that to get to the position they are at, challenging for the title.

a red sign that says read the latest in our arsenal hub

But in these situations, if they are going into games without their best players — especially an avoidable one in Saliba — then that should rightly boil over behind the scenes.

And do not underestimate the toll it takes on you playing with ten men on several occasions in quick succession.

It is almost impossible physically to pull it off just once, let alone three times, as well as the psychological damage of not having the ball.

When that is the case, it becomes a long, hard slog.

You can still see what that draw at Man City did to them — it is still in their legs, in their heads.

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Reuters
Bukayo Saka showed commendable confidence in saying it will be Arsenal’s year but ‘with great expectation comes great responsibility’[/caption]

Drawing 2-2 so late on. You’ve played for so long with ten men, defended so well, contained them, and then someone scores and the whole emotion leaves your body.

City now have an effect on Arsenal whereby if they are not six or seven points ahead going into the last ten games of a season, they know they will be caught.

At the start of this campaign, they put a lot of pressure on themselves — maybe too much.

Bukayo Saka came out and said: “This is our year, we can do it.” I liked it.

I don’t see Arsenal getting a result but, for their sakes, I hope they do.

Troy Deeney

But with great expectation comes great responsibility and I don’t remember a game this season where they have looked like the Arsenal of the previous two years.

They have looked clunky and looked like they are forcing things.

And they are now in a position already this season where they have to go out and attack and win games, like against Liverpool on Sunday.

I don’t see Arsenal getting a result but, for their sakes, I hope they do. And as a neutral fan, I don’t want them to be done. Seven points adrift is huge.

So Arsenal have to deliver. And I am beginning to think of the question: When is Arteta under pressure?

Maybe if they drift away from the title race by Christmas?

It is a harsh question given what he has done for the club but you have to deliver at some point.

Arsenal ratings vs Shakhtar: Jesus reminds fans of his quality but Trossard flops for poor Gunners

ARSENAL continued their unbeaten run in the Champions League with a 1-0 win over Shakhtar Donetsk – but it was far from a convincing performance.

Gabriel Martinelli orchestrated the decisive goal when his low-driven strike hit the post and deflected in off the back of goalkeeper Dmytro Riznyk.

Here’s how SunSport’s Tony Robertson rated the Gunners…

DAVID RAYA – 7

Seldom asked to do much aside from recycle the ball to Gabriel or Saliba until the final stages

Pushed a potentially dangerous cross out of danger in the 84th minute. Pulled out a magnificent low save in injury time before claiming a dangerous cross to keep his clean sheet.

BEN WHITE – 6

Back in at right-back today and played as if he had never been out of the team. 

Received a yellow card in the 34th minute. Subbed at half-time for Mikel Merino.

WILLIAM SALIBA – 7

In the team after his red card against Bournemouth, played like his typically assured self marshalling the defence.

One or two sloppy passes late in the second half but otherwise can have no complaints with another solid performance.

GABRIEL MAGALHAES – 5

Sloppily gave the ball away to hand the visitors a dangerous chance out of nothing. Had another lapse just after the opener but in the end he was bailed out by Calafiori.

Marked improvement in the second half.

RICCARDO CALAFIORI – 6

Skied a golden chance over the bar after six minutes. Tested the goalkeeper again after 24 minutes.

Dragged his foot and went down injured after skipping under a tackle in the 67th minute. Replaced by Myles Lewis-Skelly in 71st minute.

THOMAS PARTEY – 6

Comfortable evening in midfield for him. Recycled the ball well when at his feet and kept play ticking over.

Moved to right back as White was hooked but didn’t have too many worries. When he was caught out of position Rice was able to cover.

DECLAN RICE – 6

Like Partey, he had a quiet night in midfield with Shakhtar unable to retain meaningful possession.

Moved into the six as White was hooked and Partey moved to right-back. Cut out a dangerous low cross at the edge of the area. 

LEANDRO TROSSARD – 4

Nothing quite went right for him all night with some sloppy touches ending attacks and putting Arsenal in trouble.

Summed up his night by missing a 77th minute penalty and was hooked in the 88th minute.

GABRIEL JESUS – 8

Wore the captain’s armband and looked bright down the right wing.

Denied a well-deserved goal by the feet of the keeper in the 43rd minute after Havertz played him in.

Second half saw more good link play, but never had another chance to end his goal drought as he was replaced by Sterling in the 68th minute.

GABRIEL MARTINELLI – 7

Grew into the game following a quiet start and was rewarded with a goal, of sorts, after 30 minutes.

Brazilian cut inside from the left wing before firing a shot to the near post before the shot rebounded off the woodwork and hit the goalkeeper Dmytro Riznyk to go in the net. 

KAI HAVERTZ – 7

Centimeters away from getting Arsenal’s second in the 39th minute after Jesus squared a volley back across goal.

Returned the favour to set up his team-mate moments later only for the goalkeeper to prevent a goal.

Won a free-kick at the very end of the game to run the clock down.

SUBS

Mikel Merino (on for White HT) – 6

Some nice touches and stitched play together well. A solid yet unspectacular performance.

Raheem Sterling (on for Jesus 68 mins) – 6

Tried to play on the shoulder of the last man but did not have the pace find the clear cut chance he would have liked.

Myles Lewis-Skelly (on for Calafiori 71 mins) – 6

Slotted in at left-back and was not afraid to show for the ball but often did not receive it while tucking infield.

Jorginho (on for Trossard 88 mins) – N/A

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I built my own tiny village in middle of forest clearing… there’s a fairground caravan & two cabins buried underground

A SAVVY mum has revealed how she created her own a self-sustaining, low-tech “village” in the middle of forest clearing.

Using a mix of innovative construction and off-grid technologies, Marie has created a sustainable homestead for herself and her son at a fraction of the cost of conventional housing.

a tiny house sits in the middle of a grassy field
YouTube
A savvy mum has built a tiny village in the French woodlands[/caption]
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YouTube
Marie lives completely self-sustainable with her son[/caption]
a shed with a thatched roof sits in the middle of a forest
YouTube
She also built two cabins buried underground[/caption]
a woman holds a black and white cat in a greenhouse
Marie has her own greenhouse where she grows medicinal plants

Between her fairground caravan, two partially underground cabins, and a tiny house, Marie has created a living environment that’s self-sufficient and inexpensive—cutting down on living costs by thousands of euros each year.

The fairground caravan — her current home in South Brittany, France — cost her just around £8,300 (€10,000).

For another £2,500, she outfitted it with solar panels, bringing her total setup to just short of £11,000 – a staggering contrast to the high costs of traditional living spaces.

Marie’s journey here was far from simple, but her results show the immense rewards of living on her own terms.

From the ground up

Marie’s path began humbly, motivated by both financial constraints and a deep desire to learn.

She bought her first house with barely any skills in construction, learning by helping friends with their renovations and watching countless videos.

This hands-on experience gave her the know-how to renovate four homes over seven years, all while raising her young son.

This initial push into the world of home-building was the first step toward her journey to a self-sufficient lifestyle.

Recalling the challenges she faced, Marie told YouTube channel Living Big in a Tiny House: “I began to buy a house…to renovate because I couldn’t afford a new house.

“I didn’t have any skills at the start…so I helped friends who were renovating their houses.

“And so I learned by looking at videos and by just doing things.”

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Inside Marie’s main caravan, where she sleeps, eats and spends time playing her guitar[/caption]
a kitchen with a cooler and a sign that says regler la maison
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The caravan’s kitchen counter with a sink, cabinets and a cooler[/caption]
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It also has a fully-equipped bathroom with a bath, shower and toilet[/caption]
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Marie sleeps on this bed, next to her loyal pup[/caption]

Selling her renovated homes after they were completed, she used the profits to build her first house from scratch — an enormous leap for someone who had just begun learning construction.

Yet, Marie wasn’t content to settle.

After two years, she chose to downsize from her 180-square-metre home to a modest van, embracing a nomadic life with her son.

Despite the challenge of transitioning to a three-square-meter space, Marie found liberation in simplicity.

A tiny village

When a friend offered to sell her a 1.8-hectare plot in Brittany, Marie saw the perfect opportunity to put down roots and construct the village she had dreamed of — a space where her creativity and skills could flourish.

Purchased just before the Covid pandemic, this land became her canvas for a unique homestead, with an array of structures and sustainable systems.

“We had to move a lot because, in France, it’s quite difficult to legally live in a tiny house,” Marie says, recalling the limitations she faced in her previous living arrangements.

a wooden house with a thatched roof in the woods
The cabins were made with natural resources Marie found in her own land
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The tiny home is quite spacious and it’s where Marie spends the summer months[/caption]
a woman sits in a red chair reading a piece of paper
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The mum built one cabin for her son and one for herself[/caption]
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She also has an outdoor kitchen with a handmade clay stove[/caption]

“Each time, I had to move with my horses, two dogs, a cat, and my son…it was quite an adventure each time.”

Now, with a fairground caravan, two semi-buried cabins, a shed, and even a tiny house, she’s created a sanctuary of her own.

More sustainable for less

Marie’s tiny village wasn’t just about living simply; it was a move toward financial independence and low-cost sustainability.

By incorporating solar panels and rainwater collectors, Marie cut her reliance on utilities dramatically, further lowering her living costs.

Her approach to heating water is another lesson in self-sufficiency.

With three different systems for heating, including a homemade wood boiler she fondly calls “R2D2,” she’s able to make the most of natural and low-cost resources without sacrificing comfort.

Marie shared: “I bought solar panels to have electricity…I mostly use rainwater collectors.

a blue tarp is hanging over a wooden shed
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She also built a shed for her horses[/caption]
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Marie is an animal lover and want them living as comfortably as her[/caption]

“If I’m cut off from water, I can be self-sufficient.”

Her wood boiler, crafted from repurposed gas bottles, is another example of Marie’s inventive spirit.

“After 15 minutes of fire, the water is hot enough, then I put it in a bucket and I go inside my bathroom to have my shower,” she explained.

Her kitchen, too, is a testament to her resourceful spirit.

During the summer, she cooks using an outdoor clay rocket stove built with local clay, minimising the need for gas.

When she does use gas, it’s in such small amounts that a single bottle can last two years — a far cry from typical households.

Her food storage is similarly low-tech and effective – a simple cooler serves as her fridge in the summer, while an outdoor cabinet provides cold storage during the winter months.

“For anything, I use wood. So, to cook during the summer, I built a rocket stove with the clay of my land,” Marie explains.

“I just have to put some trash wood, and it’s enough to cook my meals.”

A life of freedom

Marie’s self-sustaining setup is more than just cost-effective – it’s also profoundly freeing.

Her approach to low-tech solutions lets her live with a level of independence that most modern lifestyles don’t permit.

Marie doesn’t need to worry about rising rent, electricity bills, or grocery prices.

Instead, she dedicates her time to cultivating medicinal plants and practicing as a geobiologist and animal therapist, offering her services and sharing her experiences to help others achieve their own self-sufficiency.

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Marie fondly nicknamed her boiler R2-D2 in an ode to the beloved Star Wars character[/caption]
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YouTube
An aerial view of Marie’s home[/caption]

She said: “My life motive is to tend to live in self-sufficiency in all the ways… with electricity, with water, with food, with medicine, with everything in my life.”

Marie regularly teaches others about everything from medicinal plant cultivation to geobiology, animal therapy, and even low-tech construction methods, believing strongly in the importance of passing on her skills.

“I think it’s important to share our knowledge,” she reflected.

“That’s why part of my activity is to share my knowledge about construction, geobiology, therapy, and music…I transmit, I teach it.”

In a world increasingly defined by consumerism and technology, Marie’s tiny forest village stands as a reminder of what can be achieved through ingenuity, resilience, and a willingness to challenge the norms.

Her home may be unconventional, but it’s a dream come true—a life crafted to her values and one that proves the rewards of building a life around simplicity and sustainability.

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