Now is a great time to look for a bank or credit union that aligns with your values

By Karl Plume A merger of U.S. grains merchant Bunge Ltd with rival Viterra would grow the combined

It’s never too early to introduce money skills to children – but how should we be talking to young girls about finances? After all, the gender pay gap is no myth. Among full-time employees, the median hourly pay was 8.3% less for women than men in April 2022, according to the Office of National Statistics (ONS). It impacts pension saving too: a report published by the Institute for Fiscal Studies (IFS) earlier this year found that across all working-age people, women had average total annual pension contributions of £2,600, compared with £3,400 for men. Women are also less likely to invest. In a survey of 6000 UK adults in 2022, Boring Money estimated that only 40% of investors are women. Alexandra Loydon, director of partner engagement and consultancy at wealth management company St. James’s Place, points out that the “financial services industry has traditionally not targeted women”, adding that there is “an opportunity for the industry” to change this. There are also lots of systemic factors that form an important part of the picture, especially in terms of equal opportunities, pay and maternity/paternity leave. Alongside this though, how can parents and guardians help by talking to young girls about money? “We should be encouraging women to engage with their finances from a young age, and save more when they can and if they can. We should ensure that women take advice, put a plan in place, set goals and don’t touch their long-term savings to help build their wealth over time,” says Loydon. Zoe Brett, financial planner at EQ Investors, agrees that “financial literacy needs to start at school age”. Here are three key things to think about when talking to young girls about money… Encourage them to negotiate “We should be instilling and encouraging women to not be afraid to ask for pay rises and promotions. Statistically, women are more likely to not go for jobs if they do not meet all the requirements [compared with men],” says Loydon. So, how can you model this early? “If rewarding good report card or exam results, ask them to tell you how much or what that achievement is worth and why,” suggests Brett. “Or if paying pocket money, then ensure they are earning it with chores and do a pay review each year, where you ask them to make a case for a raise in pocket money.” Teach them basic money language Introducing them to money management concepts can be incorporated into family life. “We often see children’s chores as mowing the lawn or doing household duties, but how about implementing something more financially orientated, like helping with a weekly shopping budget?” suggests Brett. Done in a positive, age-appropriate way, this could help them become familiar and confident with some basic money language. “Being open and discussing finances during family dinners can also be helpful – children are naturally inquisitive and will likely ask questions or at least passively soak up information,” Brett adds. “For something more structured, there are online courses aimed at teens that teach money basics, or even just following a decent financial influencer on social media can be a great way to teach.” Encourage saving for things they want Saving is an important life skill and instilling this early can empower children with a sense of independence around personal finances and earning power. “If I wanted something, my mum would tell me to save up half the cost of it, and she would pay the other half. It taught me to only spend my money on things I truly wanted. If I wasted my money on sweets, then I simply couldn’t have that new toy I wanted,” Brett recalls of her own childhood. “I didn’t realise it at the time, but every time I put money into my savings account, my mum would double it. This lovingly sneaky little trick gave me an early lesson in compounding and made me want to save more, because I could see my savings growing, it was a real sense of achievement.” Of course, not all households will be able to do this, especially when living costs are stretched. But teaching girls how to save, however possible, is so useful. If you are in a position to do so, Brett suggests: “Open a savings account early on and give them autonomy for that account, with a little guidance along the way. Encourage them to put 25% of their pocket money, earnings, or birthday money into the savings account… Encourage is the optimal word here, enforcing it could lead to resentment and rebellion,” she adds. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live STI cases at record highs: 6 things everyone needs to know about sexually transmitted infections What’s wrong with my roses? Men’s Health Week: How to talk about sensitive or ’embarrassing’ health issues

Recently, ‘GMA3’ invited a financial influencer named Haley Sacks for a hearty discussion about her profile

A former Formula 1 driver believes as many as “seven or eight” other men would be able to win a world title if they had use of Max Verstappen’s Red Bull. The Dutchman is cruising towards a third successive Drivers’ Championship crown, leading the standings by 125 points at the summer break. The 25-year-old has won the last eight races and Red Bull are yet to be beaten at a Grand Prix this season. And while praising Verstappen, Juan Pablo Montoya believes that the Red Bull vehicle’s superiority over the rest of the cars on the grid would allow plenty of his rivals to become world champions were they to swap with him. “Well right now, he’s doing a very good job,,” Montoya, who won seven times in six seasons in F1 at the start of the century, told Semana of Verstappen’s dominance. “He looks just as invincible as when [Lewis] Hamilton was winning everything, that’s the reality. “Max is a very good driver, but so far in the best car. Max’s speed right now is no better than Max’s speed two years ago, it’s probably the same. The car is much faster. “If you take Max out of that car, there are about seven or eight drivers who could be world champions in that car. If he were not there, Checo [Sergio Perez], Hamilton, [Carlos] Sainz, [Charles] Leclerc, he would be world champion. “It is the timing of motorsport, not only one as a driver, but also the machine one has. The luck of which car is fast. The Red Bull with these rules is the best car; suddenly, if the rules change, it could be no longer. “It is the balance between the better you are, the more chance you have of being in a good team. The best drivers are in the best cars. “Lando Norris, for example, is a very good driver and the McLaren has improved a lot this year, but Lando in Red Bull would probably be world champion.” The F1 season is set to resume on the weekend of 27 August at Verstappen’s home Grand Prix in the Netherlands. No team has ever completed a clean sweep of race victories across a full campaign. There are ten stops left on the calendar, with the concluding event in Abu Dhabi on the final weekend of November. Read More F1 2023 mid-season awards: Best driver, worst race and biggest surprise How Max Verstappen and record-breaking Red Bull compare to Formula One greats F1 2023 season race schedule: When is the Dutch Grand Prix? F1 2023 calendar: All 23 Grand Prix this year F1 2023 mid-season awards: Best driver, worst race and biggest surprise Continued struggles will leave Mercedes frustrated and confused – Martin Brundle

Welcome to “What’s Good,” a column where we break down what’s soothing, distracting, or just plain good in the streaming world with a “rooting for everybody Black” energy. This edition delves into the Netflix rom-com The Perfect Find.

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