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Teenagers often like to have the latest gadgets and trainers, but if a young person suddenly has the ability to splash cash around, with no obvious explanation for their wealth, it could be a warning sign of money muling. Money muling happens when people are persuaded to let cash flow through their bank account in exchange for money or gifts – and young people in particular may be targeted. According to figures released by UK Finance and the fraud prevention body Cifas, young people under the age of 21 account for around one in five cases where money muling activity is suspected. While money muling may be seen as an opportunity to make some easy cash, it’s actually a criminal offence. The cash flowing through bank accounts is often the proceeds from crime. UK Finance and Cifas run a campaign called Don’t Be Fooled, which has developed free PSHE (personal, social, health and economic education) resources for schools, to help young people learn about the dangers and consequences of becoming a money mule. The new schools programme is aimed at youngsters aged 10 to 14. To find out more about the dangers of money muling – and the warning signs for parents to look out for – I asked Paul Maskall, manager of fraud and cybercrime prevention at UK Finance, for his expert insights: How can parents talk to children and teenagers about money mule activity and explain what it is? Paul says: “Even at the best of times, we aren’t always good at valuing and protecting our data, personal information or private details which we store digitally.” He says it’s important for parents to explain what money mules are, “to ensure that the newer generation have a better understanding of how to protect themselves.” He continues: “By doing so, it gives them more of an intuitive defence and understanding of the risk of people wanting to exploit them and gain access to their account, for the purposes of laundering money.” How can young people themselves avoid getting involved in money muling? Maskall stresses the importance of keeping accounts and personal information private. He says: “Criminals seek to manipulate you with a promise of gifts, rewards or a percentage of the funds sent through your account.” People should avoid opening a bank account in their name for someone else, allowing their bank account to be used to send and receive funds for other people, or sharing PINs and passcodes, he says. While criminals will often seek out younger people to become money mules, it’s also important to remember that anyone can be targeted, he adds. What are the warning signs that your child could be involved? “Tell-tale signs that your child might be involved in money muling could be them suddenly having extra cash, buying expensive new clothes or top-of-the-range mobile phones and gadgets with very little explanation as to how they got the money,” Maskall explains. “They may also become more secretive, withdrawn or appear stressed sometimes, becoming more fixated on communication and phone usage.” What are the consequences of money mule activity? Some people may see requests to pass money through their account as harmless – but they could be making a big mistake. “Criminals need money mules to launder the profits of their crimes and frequently target young people, who are often unaware of the consequences of them agreeing to do so,” says Maskall. “Allowing a bank account to be used in this way is a crime and can result in a criminal record and the account being closed. “You could go to prison for up to 14 years and it can also lead to the individual finding it difficult to obtain mobile phone contracts or access financial products and credit, including student loans.” What should parents do if they think their child or someone else they know might be involved in money muling? “It’s important for parents and guardians to remind their children of the potential approaches that they may receive from criminals,” says Maskall. He says if any parents or guardians are worried that someone they are close to might be caught up in money muling, they can contact Crimestoppers anonymously on 0800 555 111. Where can parents go to get support or seek further information and how can communities stay safe? Maskall says: “We encourage everyone to visit the Don’t Be Fooled website for more information on the risk of money muling and how to stop the signs. www.moneymules.co.uk. “It is important to remember that anyone can be at risk and speaking openly and educating one another about the harm and risks involved will benefit others.” Read More From tofu chicken wings to chickpea bacon – how and why you should be making plant-based meat at home Holly Willoughby channels Gwyneth Paltrow with ‘orgasm anxiety’ blog post Do it for the Gram: Speedy but spectacular goat’s cheese linguine Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live

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Queer Eye star Tan France and his husband Rob France have welcomed their second baby together via surrogate. The 39-year-old reality TV star confirmed the birth of their son, Isaac, on Instagram. “Welcome baby boy #2, Isaac France, born this past weekend. He completes our little family perfectly,” he captioned the post, which featured the new family of four. The Next in Fashion host also shared his thanks for their surrogate, writing, “And a huge thank you to our incredible warrior of a surrogate, for giving us the greatest gift one could ever give.” In the comments, France’s fellow Queer Eye co-stars rushed to congratulate the couple on their newest addition. Bobby Berk wrote, “My babies havin babies,” while Karamo Brown said: “So happy for the world to meet your new beautiful baby!!! What a blessed family!” “Awee Tannay!!!! Cutest family,” commented Jonathan Van Ness. France announced on 13 April that he and his illustrator husband were welcoming a new addition to their family summer. In August 2021, the parents welcomed their eldest son, Ismail, who was born prematurely. In a video clip posted to Instagram, France revealed that the couple have been wanting to expand their family for a “long time”. “Hard to believe it was two years ago today we announced Ismail was on his way! And today – we couldn’t be prouder to share that he’s going to be a big brother!” France captioned the post. “Becoming dads has been our greatest joy, and we are so excited to grow our family with the help of our wonderful surrogate.” The British-American fashion designer previously recalled the moment he and his husband learned their surrogate was pregnant last December. “We were over the moon,” France said in an interview with People in April. “It was the best feeling ever. I mean, it felt almost as shocking as the first time. I was overjoyed, in tears, I couldn’t believe that it had finally happened again. It was just the most incredible feeling.” France explained that the couple decided to have another child because they wanted their son Ismail to have a built-in best friend that was also close in age. "We wanted him to have someone that will be his person that he’s tethered to,” France told the outlet. “I’m really close with my siblings and my husband is really close with his, so we wanted to create a family where [our child] would have more support other than just Rob and I.” He added the most exciting part about expecting another baby is that Ismail will “have somebody hopefully for the rest of his life that he gets to call his person”. While he revealed that the couple already know the sex of their unborn baby, they won’t be sharing it with fans just yet. However, the two have already picked out a name for baby number two. Speaking to People, France also gave insight into the couple’s “wonderful” relationship with their surrogate, whom he praised as an “incredible woman.” “The only thing that’s different is that she’s out of state,” said France, who lives in Salt Lake City, Utah. “So we don’t get to see her in real life as much, but we see her on FaceTime or Zoom. We text regularly, and so it’s been great.” In August 2021, Tan France and husband Rob welcomed their eldest child Ismail seven weeks earlier than his due date. The newborn spent three weeks in the NICU (newborn intensive care unit) before he was taken home. “Give our son a warm welcome,” France captioned a photo of the parents smiling with their son. “Ismail France, born July 10th.” “He came seven weeks early, so he’s been in the NICU for the past three weeks,” he wrote. “But, today, we finally got to bring him home. We love him so, so much. Like, fully obsessed.” France added that their surrogate was “doing so great” post-labour and they “couldn’t be more grateful for the greatest gift in our lives.” Read More Tan France reveals his grandfather used to make knockoff Disney products Queer Eye’s Tan France welcomes first child after surrogate gives birth seven weeks early Queer Eye’s Antoni Porowski engaged to boyfriend Kevin Harrington How a hay fever medication transformed my life Dermatologist horrifies viewers by discussing mites that live in your skin ‘Unsupportive backgrounds’ make LGBT+ youth twice as likely to have suicidal thoughts – report finds