Grown alchemist age repair gel masque

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Cult beauty brand, Grown Alchemist was started back in 2008 by Australian brothers Jeremy and Keston. They had a vision of creating a range of products that were plant-based, housed in fully recyclable packaging and always cruelty-free alongside utilising the best scientific innovation on offer to create efficacious products that really work. And so Grown Alchemist was born. They now have chemists and research labs in London, Paris, Switzerland and other countries around the world to keep on creating products (they have 80 and counting) that are gorgeous to use but really deliver results. And their products are stocked in some of the coolest and chicest stores around the world.  

That’s why we’re thrilled to have teamed up with them to offer five lucky Get The Gloss readers the chance to experience their best-selling products with the ultimate skincare set worth £415 each.

What you can win

We have FIVE amazing Grown Alchemist beauty bundles to give away. Each one contains:

1 x Gentle Gel Facial Cleanser, £33

1 x Deep Cleansing Facial Masque, £27

1 x Detox Niacinamide Serum , £46

1 x Instant Smoothing Hyaluronic Acid Serum, £48

1 x Anti-Pollution Primer, £33

1 x Age-Repair Moisturiser, £78

1 x Regenerating Night Cream, £83

1 x Pure Rosehip Oil, £67

Competition opens 10:00 am BST Tuesday 13 December 2022 and closes 10:00 am BST Tuesday 20 December 2022

The number of American households that were unbanked last year dropped to its lowest level since 2009, a dip due in part to people opening accounts to receive financial assistance during the pandemic, a new report says.  

Roughly 4.5% of U.S. households – or 5.9 million – didn't have a checking or savings account with a bank or credit union in 2021, a record low, according to the Federal Deposit Insurance Corporation's most recent survey of unbanked and underbanked households. 

Roughly 45% of households that received a stimulus payment, jobless benefits or other government assistance after the start of the pandemic in March, 2020 said those funds helped compel them to open an account, according to the biennial report which has been conducted since 2009.

"Safe and affordable bank accounts provide a way to bring more Americans into the banking system and will continue to play an important role in advancing economic inclusion for all Americans,'' FDIC acting chairman Martin J. Gruenberg said in a statement.  

A lack of banking options delayed some households from getting federal payments aimed at helping the country weather the economic fallout from the COVID-19 health crisis.

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The FDIC initiated an educational campaign to get more Americans to open an account to enable the direct deposit of those funds. And banks such as Capital One and Ally Financial ended  overdraft and other fees that have been a key barrier to some Americans accessing the banking system. 

What does it mean to be unbanked?

A household is deemed unbanked when no one in the home has an account with a bank or credit union. That share of households has dropped by nearly half since 2009. And since 2011, when 8% of U.S. households were unbanked, the highest since the start of the survey, and the record low reached in 2021, roughly half of the drop was due to a shift in the financial circumstances of American households the FDIC says.

Who are the underbanked?

Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. The underbanked represented 14% of U.S. households, or 18.7 million, last year.   

Why are people unbanked or underbanked?

Many of those who are unbanked say they can't afford to have an account because of the fees for insufficient funds and overdrafts that are tacked on when account balances fall short. Roughly 29% said fees or not having the required minimum balance were the primary reasons they didn't have a checking or savings account, as compared to 38% who cited those obstacles in 2019.

Are some groups more likely to be unbanked? 

The numbers of the unbanked were greater among households that included those who were working age and disabled, lower income, included a single mother, or were Black or Hispanic. Among white households for instance, 2% didn't have a bank account last year as compared to 11% and 9% of their Black and Hispanic counterparts.

Meanwhile, nearly 15% of households with a working age member who had a disability were unbanked compared to almost 4% of other households. And  nearly 16% of households with a single mother were unbanked as compared to about 2% of married couples who lacked an account. 

 "These gaps attest there's still a lot of opportunity to expand participation across the population in the banking system,'' Keith Ernst, Associate Director of Consumer Research and Examination Analytics at the FDIC, said during a media call about the report.            

Will the number of unbanked rise if the U.S. has a recession? 

Perhaps.

"During the last recession unbanked rates did indeed go up,'' Karyen Chu, chief of the Banking Research Section at the Center for Financial Research, said during the call. 

Additionally, last year, homes where the head of household was out of work were nearly five times more likely to not have a bank account as compared to those where the household head was employed.

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"To the extent that income goes down ... that has generally been associated with increases in unbanked rates,’’ Chu said.