It wouldn’t be without a glazed gammon, would it? And there is no need to complicate things. No intricate scoring needed, no need to place an individual clove in each square before roasting. Who started this clove thing? It’s a bit like when you’re eating a nice curry and you crunch through a whole cardamom seed – definitely not enjoyable. Just give me thick slices of sweet, smoky, salty ham. is a must, sweetness is needed – marmalade is the go-to in my house – and lots of black pepper to finish things off. Go big on your gammon, it’s great cold on Boxing Day, or with a fried egg and some chips, in a leftover turkey pie, in a baguette with lots of butter and some cornichons, I could go on... 10 mins 2 hrs 50 mins 10 4-5kg smoked boneless gammon joint 1 onion, roughly chopped 3 carrots, roughly chopped 1 celery stick, roughly chopped 1⁄2 garlic bulb, cut horizontally 4 sprigs of thyme 4 sprigs of rosemary 1 tbsp cracked black pepper 350g marmalade 2 tbsp Dijon mustard 2 tbsp wholegrain mustard There are two options for removing some salt from your , depending on how organised you are. My preferred method is to leave the joint to soak overnight in cold water, then rinse and cook it the next day. You could also bring it to the boil, simmer for 5 minutes, then drain and rinse. Place your soaked or pre-boiled gammon in a large pan of cold water and add , , , and . Bring to the boil and simmer gently for 11⁄2 hours. Remove the gammon from the pan, reserving the stock. Preheat oven to 190C/170C fan/gas mark 5. Peel off the top layer of skin – you want to leave as much fat on the joint as possible for maximum flavour. Roughly score the fat in a criss-cross pattern, season with and and place in the oven for 15 minutes. Pour and over the gammon and spread, then pour over and baste. Return the gammon to the oven for another 20 minutes. Remove and baste again. Continue to cook the gammon in this way, basting every 20 minutes until it is beautifully coloured and glazed all over (about 1 hour). Using a long, sharp knife, slice it with confident strokes. Serve with roast potatoes and braised greens.
DirecTV extends its agreement as title sponsor of the Holiday Bowl SAN DIEGO (AP) — Sports San Diego announced Thursday that DirecTV has extended its agreement as title sponsor of the Holiday Bowl. Neither side would say how long the agreement is for. DirecTV began sponsoring the Holiday Bowl last year. Canadian Press Nov 21, 2024 4:15 PM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message SAN DIEGO (AP) — Sports San Diego announced Thursday that DirecTV has extended its agreement as title sponsor of the Holiday Bowl. Neither side would say how long the agreement is for. DirecTV began sponsoring the Holiday Bowl last year. After two editions at Petco Park, the downtown home of the San Diego Padres, the Holiday Bowl is moving to Snapdragon Stadium in Mission Valley. It will be played Dec. 27 and match a top team from the Atlantic Coast Conference against current and former teams from the Pac-12. ___ This story removes an incorrect reference to DirecTV sponsoring the last two Holiday Bowls. It began sponsoring the game last year. The Associated Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Get your daily Victoria news briefing Email Sign Up More Television News N.S. Liberals say if elected next week they would move fast to cut taxes, build homes Nov 21, 2024 9:32 AM Our Lady Peace, Mike Weir among Canada's Walk of Fame honourees for 2025 Nov 21, 2024 7:42 AM Pamela Hayden, longtime 'Simpsons' voice actor, including Bart's friend Milhouse, hangs up her mic Nov 20, 2024 2:37 PM
NEW YORK (AP) — More shoppers than ever are on track to use ‘buy now, pay later’ plans this holiday season, as the ability to spread out payments looks attractive at a time when Americans still feel the lingering effect of inflation and already have record-high credit card debt. The data firm Adobe Analytics predicts shoppers will spend 11.4% more this holiday season using buy now, pay later than they did a year ago. The company forecasts shoppers will purchase $18.5 billion worth of goods using the third-party services for the period Nov. 1 to Dec. 31, with $993 million worth of purchases on Cyber Monday alone. Buy now, pay later can be particularly appealing to consumers who have low credit scores or no credit history, such as younger shoppers, because most of the companies providing the service run only soft credit checks and don’t report the loans and payment histories to the credit bureaus, unlike credit card companies. This holiday season, buy now, pay later users can also feel more confident if a transaction goes awry. In May, the CFPB said buy now, pay later company must adhere to other regulations that govern traditional credit, such as providing ways to demand refunds and dispute transactions. To use a buy now, pay later plan, consumers typically sign up with bank account information or a debit or credit card, and agree to pay for purchases in monthly installments, typically over eight weeks or more. The loans are marketed as requiring no or low interest, or only conditional fees, such as for late payment. Klarna, Afterpay and Affirm are three of the biggest buy now, pay later companies. But consumer advocates warn that shoppers who sign up for the payment plans using a credit card can be hit with more interest and fees. That's because individuals open themselves up to interest on the credit card payment, if it's carried month to month, on top of any late fees, interest, or penalties from the buy now, pay later loan itself. Experts advise against using a credit card to pay for these plans for this reason. Consumer watchdogs also say the plans lead consumers to overextend themselves because, for example, not paying full price up front leaves, in the shopper’s mind at least, more money for smaller purchases . They also caution consumers to keep careful track of using multiple buy now, pay later services, as the automatic payments can add up, and there is no central reporting, such as with a credit card statement. “Buy now, pay later can be an innovative tool for purchases you’re going to make anyway,” said Mark Elliott, chief customer officer at financial services company LendingClub. “The challenge is that it does fuel overspending.” For merchants, that’s part of the appeal. Retailers have found that customers are more likely to have bigger cart sizes or to convert from browsing to checking out when buy now, pay later is offered. One report from the Federal Reserve Bank of New York cited research that found customers spend 20% more when buy now, pay later is available. “The reality is that the increased cost-of-living and inflation have put more people in a situation where they’re already relying on revolving credit,” Elliott said. “The psychographics of ‘buy now, pay later’ may be different — people don’t think of it as debt — but it is.” If a consumer misses a payment, they can face fees, interest, or the possibility of being locked out of using the services in the future. Emily Childers, consumer financial expert for personal-finance technology company Credit Karma, said that internal data shows member credit card balances are up more than 50% for Gen Z and millennial members since March 2022, when the Fed started raising interest rates. “Young people are entering this holiday season already in the red,” she said. “And, based on what we’re seeing in the data, they’re continuing to bury their heads in the sand and spend.” The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.
The world of cryptocurrency and blockchain technology has taken the financial and tech industries with new opportunities, risks, and debates. Whether a beginner looking to understand the basics, an investor seeking to deepen your knowledge, or a developer trying to grasp the technical intricacies, there’s a wealth of literature that can help. Below is a list of must-reads that give a comprehensive perspective on blockchain revolution, cryptocurrency investment, and the future of digital currency. Mastering Bitcoin is a book every individual interested in knowing the basics of this currency must read. The author somehow breaks very complex technological ideas into easy ways so that developers, investors, and anyone else interested can understand what is going on inside a Bitcoin network. Mastering Bitcoin discusses the topics about cryptographic security, blockchain architecture, and transaction processing. For readers interested in understanding the economic and philosophical implications of Bitcoin, this book is a perfect fit. Saifedean Ammous argues that Bitcoin offers an alternative to traditional fiat currency systems by providing sound money not subject to inflationary pressures. It goes deep into money history, flaws in modern banking, and the possibilities in Bitcoin with regard to its uses as a global reserve currency. It's a very insightful read for those interested in Bitcoin as a revolutionary economic force. This is a fantastic book for any newcomer to blockchain. Blockchain Basics is an essential book that provides the reader with a comprehensive introduction to the technology behind cryptocurrencies. Decentralisation, smart contracts, and distributed ledger technology - Daniel Drescher sets all these key concepts out in easy language. Without getting too carried away over confusing code or cryptography, this book offers a really good foundation for understanding how it works. Cryptocurrency by Paul Vigna and Michael Casey offers an excellent narrative. These two authors are veteran financial journalists examining the social, economic, and political impacts of Bitcoin and other digital currencies. They provide insightful commentary on how these technologies are reshaping the global financial system, and therefore, this book is must-read material for anyone interested in this. In Blockchain Revolution, Don and Alex Tapscott take readers on a journey through the world of blockchain technology and its potential to disrupt industries far beyond cryptocurrency. They explore how blockchain could transform everything from healthcare to supply chain management, government systems, and beyond. This book is a forward-thinking exploration of how blockchain could change the way the world operates. The Basics of Bitcoins and Blockchains by Antony Lewis is a comprehensive but not heavy guide. This book takes the reader through everything from the basics of cryptocurrencies like Bitcoin and Ethereum to the technical workings of blockchain and smart contracts. Antony Lewis also explains how to buy, sell, and store cryptocurrencies. Digital Gold tells the story of Bitcoin's creation and ascent to where it stands today, focusing on the most important players who helped develop and promote it. Nathaniel Popper dedicates this book to entrepreneurs, libertarians, and tech geeks who thought that the possibility of decentralized currency could be transformed into reality. A very interesting read for those wanting to know about Bitcoin's origins and how it became a global phenomenon. The Age of Cryptocurrency takes the readers through the emergence of cryptocurrencies and how they can change the money, banking, and the global economy. The authors therefore talk about the position of Bitcoin within the financial system and describe the threats and opportunities that cryptocurrencies pose for the classic financial institutions. As a book, it's an eye-opener to how some sorts of digital currencies might change finance in the future. These books provide valuable insights into the rapidly evolving world of cryptocurrency and blockchain technology. They delve deep into the digital financial revolution, offering knowledge and tools to better understand and navigate this transformative space.The Federal Government has defended its borrowing practices, stating that loans are acquired based on approvals from the National Assembly. This clarification was made during an interactive session between the Federal Government’s revenue-generating agencies and the National Assembly’s joint committees on finance, budget, and national planning. The session focused on the 2025-2027 Medium-Term Expenditure Framework and Fiscal Strategy Paper. During the session, revenue-generating agencies, including the Nigeria Customs Service, Nigerian National Petroleum Company Limited, and Federal Inland Revenue Service, presented their performances and revenue projections for the 2025 budget. Despite exceeding revenue targets and generating a combined revenue of N36.952 trillion, the Federal Government still seeks foreign loans, which raised concerns among lawmakers. Senator Adamu Aliero questioned the need for foreign loans despite increased internally generated revenues. “What is the Federal Government doing with excess revenues generated by the various agencies in view of its unending request for foreign loan approval?” he asked. Read also: Equities market closes negative as investors lose N123bn The FIRS boss responded that the requested loans were already part of the appropriation act. “We borrow based on your approvals,” he said. “The loans we are requesting are already part of the budget that you approved.” Minister of Budget and Economic Planning Senator Atiku Bagudu explained that the borrowing plans were meant to fund the deficit in the 2024 budget, which stands at N9.7 trillion. “Despite revenue targets surpassing by some of the revenue generating agencies, government still needs to borrow for proper funding of the budget, particularly in the area of deficit and productivity for the poorest and most vulnerable,” he said. Bagudu emphasized that borrowing is necessary for proper funding, particularly in areas of deficit and productivity for the poorest and most vulnerable. “We have a long-term development perspective plan agenda 2050 aiming at GDP per capital of $33,000,” he added. Minister of Finance and Coordinating Minister of the Economy Wale Edun also stressed that borrowing is necessary despite increased revenues. “We need to borrow to fund the budget and ensure that we are able to deliver on our promises to Nigerians,” he said. The Federal Government’s defense of its borrowing practices comes as the country’s debt profile continues to rise. Nigeria’s debt stock stands at over N35 trillion, with some experts expressing concerns about the sustainability of the country’s debt. However, the Federal Government has maintained that its borrowing plans are necessary to fund its development agenda and ensure that the country achieves its economic goals. Opinions Balanced, fearless journalism driven by data comes at huge financial costs. As a media platform, we hold leadership accountable and will not trade the right to press freedom and free speech for a piece of cake. If you like what we do, and are ready to uphold solutions journalism, kindly donate to the Ripples Nigeria cause. Your support would help to ensure that citizens and institutions continue to have free access to credible and reliable information for societal development. Donate NowHere’s how I’d start (or continue!) buying shares with £500
Chargers will be without top RB Dobbins and could lean on QB Herbert against FalconsBy Neil Jerome Morales , Reuters Philippine security agencies stepped up safety protocols on Saturday after Vice President Sara Duterte said she would have President Ferdinand Marcos Jr assassinated if she herself were killed. In a dramatic sign of a widening rift between the two most powerful political families in the Southeast Asian nation, Duterte told an early morning press conference that she had spoken to an assassin and instructed him to kill Marcos, his wife, and the speaker of the Philippine House, if she were to be killed. "I have talked to a person. I said, if I get killed, go kill BBM (Marcos), (first lady) Liza Araneta, and (Speaker) Martin Romualdez. No joke. No joke," Duterte said in the profanity-laden briefing. "I said, do not stop until you kill them, and then he said yes." She was responding to an online commenter urging her to stay safe, saying she was in enemy territory as she was at the lower chamber of Congress overnight with her chief of staff. Duterte did not cite any alleged threat against herself. The Presidential Security Command said it had heightened and strengthened security protocols. "We are also closely coordinating with law enforcement agencies to detect, deter and defend against any and all threats to the president and the first family," it said in a statement. Police Chief Rommel Francisco Marbil said he had ordered an immediate investigation, adding that "any direct or indirect threat to his life must be addressed with the highest level of urgency". The Presidential Communications Office said any threat to the life of the president must always be taken seriously. However, Duterte told reporters on Saturday afternoon: "Thinking and talking about it is different from actually doing it," adding there was already a threat to her life. "When that happens, there will be an investigation on my death. The investigation on their deaths will be next." Political support Her strong comments probably will not dent her political support, said Jean Encinas-Franco, a political science professor at the University of the Philippines. "If anything, this type of rhetoric brings her even closer to what her father's supporters liked about him." The daughter of Marcos' predecessor as president, Duterte resigned from the Marcos cabinet in June while remaining vice president, signalling the collapse of a formidable political alliance that helped her and Marcos, son and namesake of the late authoritarian leader, to secure their 2022 electoral victories by wide margins. Speaker Romualdez, a cousin of Marcos, has slashed the vice presidential office's budget by nearly two-thirds. Duterte's outburst is the latest in a series of startling signs of the feud at the top of Philippine politics. In October, she accused Marcos of incompetence and said she had imagined cutting the president's head off. The two families are at odds over issues including foreign policy and former President Rodrigo Duterte's deadly war on drugs. In the Philippines, the vice president is elected separately from the president and has no official duties. Many vice presidents have pursued social development activities, while some have been appointed to cabinet posts. The country is gearing up for mid-term elections in May, seen as a litmus test of Marcos' popularity and a chance for him to consolidate power and groom a successor before his single six-year term ends in 2028. Past political violence in the Philippines has included the assassination of Benigno Aquino, a senator who staunchly opposed the rule the elder Marcos, as he exited his plane upon arrival home from political exile in 1983. - Reuters
AP Business SummaryBrief at 1:12 p.m. ESTPrincely Umanmielen’s return to the Swamp ends with a loss and a police escort