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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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Tech execs tend to announce new apps, features and devices in slick promotional videos, and Instagram boss Adam Mosseri was no different when he shared a Reel announcing the launch of Meta’s Twitter rival, Threads, earlier this week – one which has since been parodied by one content creator. Just days after Elon Musk’s Twitter suffered a significant outage at the start of July - and had to implement controversial, but temporary reading limits on tweets - Mark Zuckerberg’s company started teasing its “civil”, text-based alternative ahead of it eventually being released in the UK at midnight on Thursday (7pm ET). After the launch, Mosseri released a video explainer on his own Instagram profile in which he said: “We’re hoping to bring some of what we’ve built for photos and videos on Instagram to Threads with text. “Now the idea is there’s an amazing community on Instagram, and wonderful creators, and we want to create a space where we can engage in public conversations that is friendly, and that is open.” And it’s certainly proved popular, with Zuckerberg reporting more than 10 million sign-ups to the app after seven hours of it being available to the public. But one Instagram content creator decided to create his own take on Mosseri’s Reel, with a greater focus on Threads’ similarities with Twitter. Sign up to our free Indy100 weekly newsletter Posing as the Instagram boss, Dan Toomey opens his parody by describing Threads as “some new s*** to waste your time on from Instagram”. “Threads is for public arguments, cyber-bullying and the occasional post from a fast-food chain that goes too far – in other words, Twitter. “Now the idea is there’s an amazing opportunity to end Twitter while it’s down, like we saw a wounded deer on the side of the road and we just jammed our thumb into the side of its neck very slowly, so we can feel the last drop of life exit its body,” he continued, before a voice can be heard off-camera saying “too far, Adam”. As Toomey’s version of Mosseri carries on talking about the supposed benefits of Threads, the necklace sported by his character starts undergoing some changes with every cut, at one point turning into a pair of scissors dangling from a chain. Toomey continued: “So we’re going to bring a lot of the good creators from Twitter over to Instagram with Threads – people like BTS stans, the kid who doxes billionaires’ planes [Jack Sweeney’s ElonJet] and millions and millions of furry porn accounts. “And we’re also looking to integrate Mastodon, which is a decentralised, social media bulls*** thing.” Toomey’s take on the latest social media platform to take up some storage space on your phone has been branded “genius” by commenters on Instagram. One wrote: “The constantly changing necklace pendants really tie this thing together.” “No one’s picked up on the El*n [sic] photo in the background yet,” noted another. A third commented: “The fact that you made like seven necklaces for this is just perfect. Never change, Adam.” And yes, Mosseri himself – the real Adam - has actually seen it, sharing it to his Instagram story and on his Threads profile, where he added: “The changing necklace pendants really got me you b******.” Wholesome. Have your say in our news democracy. Click the upvote icon at the top of the page to help raise this article through the indy100 rankings.

On Tuesday 11 July, Carrie Johnson announced that she and former prime minister Boris Johnson have welcomed their third child together. Frank Alfred Odysseus Johnson was born on 5 July ay 9.15am, Carrie revealed in an Instagram post before joking: “Can you guess which name my husband chose?” Much has already been made about the choice of names on social media, with people quick to point out that the former PM is a fan of the Greek poet Homer and his epic poem The Odyssey, which tells the story Odysseus. But what does the name – and the child’s other names – actually mean? Odysseus takes its moniker from Homer’s poem, which follows the legendary king of the island of Ithaca on his , who is returning home at the end of the 10-year Trojan War. His journey takes an additional 10 years, during which his crewmates perish and he must face a number of threats. In the poem, which covers a decade-long journey, Odysseus is portrayed as exceptionally intelligent and courageous. He is one of the most influential Greek mythology heroes and the name is often associated with wisdom, pride, and heroism. As for the newborn’s first and second names, Frank comes from the Medieval Latin term, “Francus”, which means “free, at liberty, and exempt from service”, according to etymonline.com. It’s also thought to be connected to the Old French word, “franc”, which, similarly, means “not servile”, with other associations including sincere, genuine, open, gracious, generous, worthy, noble, and illustrious. However, Merriam-Webster claims that the name Frank itself comes from the Franks, “a West Germanic people who lived long ago”. The dictionary continues: “In the early Middle Ages the Franks were in power in France. (It was from them that the country got its name, in Latin Francia.) “The Franks eventually merged with the earlier Gaulish and Roman inhabitants, and their name (Francus in Latin) lost its ethnic sense and referred to any inhabitant of Francia who was free, that is, not a slave or bondman.” As for Alfred, the name is believed to mean “elf counsel” and is derived from the Old English name, Ælfræd. It’s a name often associated with wisdom and is most commonly associated with famous Alfreds, including the ninth-century king, Alfred the Great, filmmaker Alfred Hitchcock, and the poet Lord Alfred Tennyson. In 2019, the former PM was accused of misquoting Lord Tennyson while discussing Brexit, pledgingthat Britain would leave the EU on 31 October “do or die, come what may”. The phrase is often linked to Tennyson’s poem, The Charge of the Light Brigade, except the quote is, “Theirs not to reason why, theirs but to do and die”. Read More Carrie Johnson announces birth of third child with Boris Johnson: ‘Guess which name my husband chose’ How many children does Boris Johnson have? Buckingham Palace responds to Joe Biden’s ‘protocol breach’ with King Charles Rishi Sunak to meet King Charles as Truss defends her record - live Johnson was ‘begging people for votes’ in a ‘demeaning’ way, says IDS Welcome, PM Sunak – the last best option to take over from Truss

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