Tag Archives: saving

Marcus by Goldman Sachs shares ‘tips to upgrade your saving habits’

Marcus by Goldman Sachs is an online bank that launched in the UK in 2018 and uses the expertise of Goldman Sachs combined with technology to offer a range of easily accessible online savings accounts. They’ve shared their top five tips to help savers upgrade their savings habits and make the most out of their money:

1: Find the right mix of savings accounts

Different savings accounts can help one work towards different types of savings goals, assessing your current accounts and comparing them to other available options may help in highlighting which account type fits your financial goals best.

“Easy access accounts give you flexibility to withdraw money without having to give any notice. The interest rate tends to be variable, which means it can change from time to time.

“Fixed term savings accounts give you the security of locking in an interest rate for a set length of time – so you’ll know exactly how much interest you’ll earn over that period – but usually access to your money is restricted.

“An Individual Savings Account (ISA) is a savings account that protects the interest on your savings from tax. There are several different types, but essentially, they are all a way to save or invest your money and keep the interest you earn on it protected from UK tax.


“The four main types of ISAs are: cash ISA, stocks & shares ISA, innovative finance ISA, and lifetime ISA.”

2: Build an emergency fund

The past 18 months has shown how useful an emergency fund can be. To begin one, simply start by finding a safe and easily accessible account to place it in, and work the extra savings into your budget.

“This type of savings fund is far more long-term in its purpose so saving as little as £25 per month can provide a priceless piece of mind in the long run.”


3: Budgeting can help maximise saving potential

Budgeting is at the core of all savings goals and strategies, but the key to budgeting correctly is finding the right method and being realistic.

“The 50/30/20 rule – If you’re looking to save but want to enjoy spending your hard-earned money too, this rule might work for you. 50 percent of your total monthly budget is put towards essentials like your rent or mortgage, travel, food shopping and bills. You can then spend 30 percent on what you like: perhaps that’s gym memberships, shopping or socialising. Then the remaining 20 percent could go towards your savings.

“60 percent solution – If you have a specific goal you need to save for, such as buying a new house, then this solution could work for you. 60 percent of your income could go towards fixed ‘committed expenses’, e.g. your mortgage. The remaining 40 percent could be divided depending on your circumstances and goals, e.g. retirement, long-term savings, short-term savings and ‘fun money’.”

5: Get to know financial terms

The finance industry is constantly changing and evolving, staying up-to-date on all terminology one comes across can prevent serious misunderstandings that come with large financial regrets.

“Here are three of the most used, but often misunderstood, terms you may encounter:

AER and gross interest rate: The Annual Equivalent Rate (AER) illustrates what your interest rate (the gross interest rate) would be if interest was paid and compounded once each year. The key thing to remember when comparing different savings accounts is to compare like with like – so either AER with AER, or gross with gross.

Base rate: In the UK, interest rates can be influenced by the Bank of England base rate. If the base rate goes up or goes down, it can affect the rates that banks offer to customers – and ultimately how much interest you can earn on your savings.

Compounding, or compound interest – Compounding is when interest is paid on your total savings, including previously earned interest. In other words, compound interest is interest on interest. Ultimately helping to grow your savings faster.”

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This post originally posted here Daily Express :: Finance Feed

ISAs 'wouldn't have worked for us' Couple in their 20s on saving up to buy £300,000 home

“We didn’t save any money in ISAs as we went with the Help to Buy scheme instead,” they tell Express.co.uk.

“Due to all the overtime we were both able to do during the first COVID-19 lockdown, the saving process was quite quick, so the use of an ISA wouldn’t have worked for us.”

Looking back on their property journey, the pair recall getting the home that they wanted, and putting their stamp on it.

“We reserved off-plan to secure our preferred home and immediately started to gather design inspiration from Instagram and Pinterest,” Rebecca says.

“We created the Instagram account @46_Hayfield to document all the stages and share photos of furniture, accessories and art that we have bought new, pre-loved, or created ourselves.

This post originally appeared on Daily Express :: Finance Feed

Savings: Britons warned there may ‘inadvertently’ be ‘more risk’ in cash saving – act now

Savings accounts are popular amongst people as ways of both keeping their money safe and growing it at the same time. However, interest rates have been shockingly low recently, with a lack of opportunities provided for cash growth. While some accounts are offering a solid return, the options observed prior to the pandemic are not currently on the table.

Many people, particularly women, she stressed, believe they do not know enough to invest, however, this could not be further from the truth.

Ms Currie continued: “It’s the same reason why women won’t apply for a job or promotion unless she ticks every box – women don’t like to blag it, so they don’t want to dip their toe in the water

“What I would say for everyone instead is that investing isn’t rocket science. 

“Once you know about the world, for example what you are reading, consuming, doing with your time, you know what companies are working.

“This is particularly the case throughout the pandemic, where companies like Amazon, Netflix and Zoom are being used by more and more people.

“Look at what is happening in the world, observe that, and that can really help you decide the investment opportunities.

“If you are still intimidated by this, you can outsource a lot of those decisions by investing into a fund instead of a stock.

“The fund manager can research those companies and make those decisions in line with what you want.”

Cash accounts which allow Britons easy access to their money are still particularly popular.

However, once a person has built up a recommended sum of three to six months in emergency savings, branching out is encouraged. 

As Ms Currie perhaps most importantly highlighted, those who are reticent to starting on investment could face active damage while cash saving.

This, she concluded by stating, is an issue which needs to be tackled head on to ensure individuals aren’t losing out.

Ms Currie said: “A lot of people, and a lot of women particularly, are risk averse so they may not feel as if investment is for them.

“They may feel it is volatile and not the kind of thing they want to get involved in. 

“But at the same time, if someone is putting their money in cash savings because they want to keep it safe – are you not taking more risk inadvertently?

“The risk of your money not growing enough and being left with a massive gap when you reach retirement. 

“Not having enough to fund the retirement you had originally hoped and planned for.

“You could also be losing money in real terms depending on the circumstances. 

“You really need to explore and understand risk, particularly if you are a woman.”

This post originally appeared on Daily Express :: Finance Feed

Get May 2021 PS Plus games for less with unmissable PlayStation Plus money saving trick

If you own a PS4 or PS5 console, then a PS Plus subscription is an essential purchase.

There are lots of benefits to being a PlayStation Plus subscriber, but arguably the best reason of all is the monthly selection of free PS5 and PS4 games.

This includes Battlefield 5, Stranded Deep and Wreckfest: Drive Hard, Die Last for the month of May.

PlayStation Plus subscribers can also play multiplayer games such as Call of Duty and FIFA online with friends.

That’s on top of 100GB of cloud storage, which comes in handy when you’re running low on hard drive space.

If you want to grab the May 2021 PS4 and PS5 games, then it’s worth heading over to ShopTo for cheap PlayStation Plus subscriptions.

The UK retailer is currently selling 12-month PlayStation Plus subscriptions for just £42.85, compared to £49.99 on PSN.

As a digital membership, the PS Plus subscription will be delivered immediately, which means you can use it to bag the latest batch of free PlayStation Plus games.


If you take advantage of this money saving tip, then you can also save cash on a variety of PSN games. 

That’s because PS Plus subscribers get automatic access to exclusive member discounts.

“Join PS Plus to get exclusive access to the best deals on select games, add-ons, pre-orders and more from PlayStation Store.

“Members can enjoy extra savings on top of regular PS Store promotional prices, early access to demos, beta trials, pre-orders and other exclusive rewards and offers reserved for the PS Plus family.”

At the time of writing, PS Plus subscribers can save additional cash on games like Mortal Kombat X, Star Wars Jedi Knight, We Happy Few, The Escapists and lots more.

Furthermore, PlayStation Plus subscribers can get free items in games like Fortnite, Apex Legends, Rocket League and Call of Duty.

As for the monthly free games, the headline freebie is Battlefield 5, which features 64-person multiplayer spread across huge maps.

“Immerse yourself in a one-of-a-kind portrayal of World War II and fight in epic, locations across the globe in Battlefield V,” reads the official description.

“Featuring 64-player multiplayer, battle royale and single-player experiences, Battlefield V features the largest battlefield map in the franchise’s history.”

An evolution of classic racing games like Destruction Derby, Wreckfest is another highly-rated release that’s free for PS Plus subscribers.

“Enjoy epic crashes and neck-and-neck fights to the finish line in Wreckfest: Drive Hard. Die Last., a full-contact racing game that features a true-to-life physics simulation crafted by developer Bugbear.”

This post originally appeared on Daily Express :: Gaming Feed

State pension age increase is ‘incentive’ for Britons to start saving – act now

State Pension payments often hinge on National Insurance contributions, although a person may get less if they were contracted out before April 6, 2016. Regardless of the sum Britons ultimately receive from the state pension, it is the age at which it can become unlocked which is important to many people. This has undergone changes in recent years, first to equalise the age of retirement between genders, and then to uplift the age due to increases in life expectancy.
With longer to wait until the receipt of the DWP sum, some may have to adjust their plans, and indeed their financial goals accordingly.

Mr Glancy touched upon this issue, continuing: “People who want to retire and enjoy later life before 67, or 68 in the future, will need flexibility.

“And this kind of flexibility can often come from a private pension arrangement – saving in advance.

“In this respect, private pensions have become more important than ever for people to consider.”

Reliance on the state pension sum is still undoubtedly high, with the retirement payment extremely familiar to Britons.

However, Mr Glancy went on to highlight a “sense of inequality” which has been present within the state pension system which is worth considering.

The expert highlighted that there are certain discrepancies between sectors which should have an impact on how people view the state pension.

He said: “You have a sense of inequality between occupations which is vital for people to consider.

“In all of white collar and knowledge-based jobs, you can often continue to work through all of your 60s and into your 70s. But if you’re in a more manual or physical job, you just can’t keep working until those ages – it just wouldn’t be possible.”

However, when considering the matter of life expectancy and the rising state pension age which the Government has said is connected, there is another issue which may arise.

This concerns the amount of time a person will receive their state pension, if they do end up receiving anything at all.

While Mr Glancy acknowledged there was not much action which could be taken from private pension organisations, he did suggest the issue could be addressed.

Government, experts and economists, he stated, could address the issue sooner rather than later to ensure fairness. 

Mr Glancy said: “We also see a bit of inequality in terms of the state pension because everyone is effectively putting money into the pot, albeit indirectly.

“But there are some areas of the country where life expectancy is only reaching up to 56 or 58. This means these individuals will never get near aged 67 or 68 to get the state pension.

“So these people have effectively put money in to the state pension all of their lives to not get any benefit. 

“Indeed, they have been cross-subsidising other, often wealthier, people in different areas of the country who are going to live longer and reach that state pension age.

“There’s an argument, then, that if you’re in an area of low life expectancy, or if you’re in a job where it is quite physical – should you get the state pension any earlier?

“I think it is important to point out the system is a little bit unfair in this respect.”

Of course, for Britons who wish to understand their state pension age, and what they can expect to receive, there is the Government tool.

Accessible online, through the BR19 application form, or by calling the Pensions Centre, individuals can gain an understanding of their specific state pension forecast, if they so choose. 

This post originally appeared on Daily Express :: Finance Feed

Man threatens firefighters with rifle after saving his life in NE Houston, HFD says

HOUSTON, Texas (KTRK) — A man is being charged after firefighters saved his life and then he reportedly pointed a rifle at them.

Houston firefighters responded to a home on Glen Lee near Glenvine in northeast Houston just before midnight Tuesday.

When they arrived, firefighters used Narcan to save a man from an overdose, HFD officials said.

When he came to, the man reportedly got agitated, grabbed a gun and told the firefighters to leave the house, according to HFD.

“Make sure nobody is going to respond actually up to the residence. He did come out with a rifle,” a first responder said on an emergency call. “Yes confirming, they did come outside with the rifle. We also have a female, his wife, at the residence.”

Firefighters retreated and called Houston police. Officers surrounded the home and the man gave up peacefully, according to HPD.

“We’re glad all firefighters are OK,” HPD Lt. M. Contreras said. “We’ll always be here for them. That’s for sure.”

HPD says the man will be charged with aggravated assault of a public servant.

Copyright © 2021 KTRK-TV. All Rights Reserved.

Author KTRK

This post originally appeared on ABC13 RSS Feed

Saving their soles: After suing over ‘Satan Shoes’, here are 5 other times Nike was forced to defend its reputation

As a multinational sportswear giant that takes a stance on social issues, while also sponsoring athletes and politically-squabbling countries, Nike has often been embroiled in controversy and forced to defend its reputation.

The latest scandal threatening to bring its name into ill-repute involves Brooklyn-based streetwear company MSCHF, which has released a limited edition run of 666 pairs of Nike Air Max ‘97 sneakers dubbed ‘Satan Shoes’, whose air bubbles are filled with red ink and “one drop of human blood” and are adorned with diabolical symbols. 

Nike has stressed it has ABSOLUTELY NOTHING to do with the controversial footwear, and is taking MSCHF to court for potentially harming its reputation as well as copyright infringement. 
Also on rt.com Nike SUES Brooklyn company over ‘Satan Shoes’ in bid to salvage brand from critics
After the scramble to save their souls – or should be that ‘soles’ – here are five other occasions when Nike was forced to come out swinging.  

Pakistan Sweatshop Scandal

In 1996, Nike faced a backlash when Life magazine published a photo of a young boy sewing together its footballs in the Asian country. 

Its then chairman Phil Knight made a list of promises, including the minimum age to be raised to 18 for workers in shoe factories and 16 in their clothing factories. 

But an independent report in 2001, Still Waiting For Nike To Do It, found that workers were still doing excessive hours in high-pressure environments and failing to meet their children’s basic needs. 

“I think we’ve made significant strides, and I’m proud of what the company has done over the last three years,” Knight said at the time, as boycott movements raged.

“It may take a while longer, but I do think that it will be understood that Nike is a good citizen in all the countries that it operates in.”

Nike is accused of costing Brazil the 1998 World Cup

That they have still won the most World Cups of any nation is a source of immeasurable pride for Brazilians. 

But a then-fifth or sixth overall title slipped out of their reach at France ’98 when a headed brace by Zinedine Zidane handed the host nation the trophy. 

As the reigning Ballon d’Or holder, Ronaldo was on top of Planet Football. But a seizure meant he could not perform at his mercurial best. 

Edmundo would have been a better punt up front, yet instead Ronaldo was picked and it effectively meant Brazil played the French with 10 men while claims have also been made he was meant to mark Zidane. 

Gutted at being unable to retain the title, as seen in 1962 in the Pele era, conspiracy theories spread among the population in South American’s largest country that kit and Ronaldo sponsor Nike made him play.

At a congressional inquiry commission, R9 was forced to debunk them. “I only played after medical tests showed I was clinically and physically fit to do so. If the tests had showed otherwise, I would not have played,” he said. 

“The only thing Nike have asked of me is that I wear their boots.”

Colin Kaepernick takes a knee

San Francisco 49ers quarterback Colin Kaepernick first began making political statements on social media against police brutality, then started taking the knee during the American national anthem from the preseason through to the NFL 2016 regular season.

Supposedly blackballed by prospective teams as a consequence, once he and the 49ers parted ways, Nike stood by the ousted controversial figure and even had him star in an award-winning advertisement. 

Nike shares took a nosedive and products were burned in counter-protests by patriots and Trump supporters.

The company tried to release a Betsy Ross-flag pair of Air Max 1 Quick Strike Fourth of July to make amends, but Kaepernick also kicked a stink by declaring he associated the symbol with slavery.

With Kaepernick now retired to focus on activism, the row has died down. But with race relations more strained than ever in the US, and the Black Lives Matter movement still going, it could flare up at any moment once more. 
Also on rt.com Is it still about the shoes? Nike’s latest ad builds on the company’s tradition of slickly-edited propaganda & hypocrisy

Nike boots prohibited for Iran players at Russia World Cup

Again at FIFA’s flagship international football tournament, Iran’s players were barred from wearing boots in Russia. 

The action came as part of US sanctions on the Middle Eastern Country, with Nike fearful of hefty fines if it didn’t toe the line on Donald Trump’s watch. 
Also on rt.com Iran hits back after Nike refuses to supply players with boots due to US sanctions
“US sanctions mean that, as a US company, Nike cannot supply shoes to players in the Iranian national team at this time,” it said in an EPSN-published statement.

“Sanctions applicable to Nike have been in place for many years and are enforceable by law.”

The furor caused outrage among Iranians, who launched the No to Nike boycott movement as a response. 

Nike shuts down scandal-hit Oregon Project

Born in the US west coast city in 1964, Nike once ran the Oregon Project for elite long distance running but was forced to shut it down when a doping scandal involving head coach Alberto Salazar came to light.

“Nike has always tried to put the athlete and their needs at the front of all of our decisions,” began a statement, when Salazar was handed a four-year ban.

Though pointing out that there had been no discovery PEDs were used, it continued that “this situation including uninformed innuendo and unsubstantiated assertions has become an unfair burden for current OP athletes. That is exactly counter to the purpose of the team.

“We have therefore made the decision to wind down the Oregon Project to allow the athletes to focus on their training and competition needs. We will help all of our athletes in this transition as they choose the coaching set up that is right for them.”
Also on rt.com Mo Farah’s reputation is unravelling, so let’s stop tiptoeing around and hear the full story of his ties with disgraced Salazar


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Hotel check-in times to be thing of the past saving tourists up to 30 percent says expert

Hotel holidays involve customers checking in and out of the accommodation at the start and end of their stay. This process can often prove infuriating to holidaymakers, especially when the fixed check-in and out times don’t match their travel schedule at all. At some point, nearly every traveller has had to leave their bags at reception because they’re too early for check-in or been forced to leave their hotel room hours before they’re due to leave for the airport due to a morning check-out time.
Luckily, according to one expert, this restrictive system might well soon be a thing of the past.

Express.co.uk spoke to Ofer Helfman, founder and CEO of Israeli traveltech startup As You Stay, for his travel advice.

The platform allows its customers to set check-in and check-out times and pay according to actual hours of the stay, helping them save money.

“For example, if you know that you will be flying from London to New York and you will only get to the hotel at 8pm, you will book [check-in for] Monday 8pm,” explained Helfman.

READ MORE: Is it safe to book a holiday for 2021? UK travel advice and guidelines

“Instead of the traditional market price, your total price will shrink.

“On the other hand, if your flight is scheduled to come early and you desperately need an early check-in, by using As You Stay it will be guaranteed – you pick the specific date and the time, which can be 7am, 6am, 5am in the morning, and once again, you will see the total price with just the charges based on the sum of the hours.”

Helfman used to run hotels in New York and spoke of his “frustration” about check-in times.

“We felt bad that we couldn’t accommodate [customers] when they used to come early in the morning,” he recalled. “Or the bottlenecks – we used to have a 3pm check-in, it was a disaster.”

“As an operator, you get such a short period of time to clean so many rooms; technically you have between 11am until 3pm to fix so many rooms, which is almost impossible.”


Helfman calls As You Stay a “win-win situation.” “We created a platform that gives the travellers exactly what they need,” he said. ” On the other hand, it helps hotels to better improve and better serve their customers.”

The platform currently has 400,000 hotels on its system and Helfman says the establishments are “desperate” for the data As You Stay provides.

Paying only for the hours you stay can mean big savings for jet-setters, with the founder estimating up 30 percent off the total price.

“The goal with this model is that you just pay as you stay so therefore if a nightly rate is £200 but you only come for two and a half nights, or two and a half days, you will pay less, and in most cases, it can be saving between 10 and 30 percent,” said Helfman.

“If you use us, definitely pick the hours, play with the hours, and, like magic, it will save you a lot of money,” he added.

The hotel expert thinks that this type of booking will soon be universal, as he blasted the current “primitive” system.

“What do you mean, leave your luggage and come back in six hours. You got to be kidding me,” he said; “It’s ridiculous. It’s insane.”

Helfman believes hotels will all “absolutely” abandon set check-in and out times eventually as a “flexible” approach becomes non-negotiable.

“You cannot keep operating [as many hotels do now], the world is changing,” he said. “We are on a 24/7 basis, flights are coming in and out, hotels have to adapt.

“Gradually, you will get more and more other providers, not only us [taking this approach] even booking.com or Expedia customers will be able to enjoy this extra flexibility.”

Until this day comes, though, Helfman advises anyone trying to change their check-in and out time to contact the hotel the day before with their request.

“They will make a note to try to accommodate you because again they are willing to accommodate if they can,” he said.

PS4 Console: The big games NOT coming to PlayStation 4 – Sony saving these for PS5

PS5: Sony unveil pricing for PlayStation 5 console

The PS4 already boasts a long list of impressive games that will remain popular with console owners for years to come. However, while the gaming machine remains one of the best-selling in recent years, the arrival of the PlayStation 5 means that many future releases will skip it. This is an eventual part of the console’s lifecycle, and there is some good news for gamers who aren’t ready, or having trouble, buying a PS5 in 2021. The PlayStation 4 has been available to buy in the UK since 2013, and it took much longer for Sony to replace it than what happened with the PS1, PS2 and PS3. The long time on the shelf meant that visual quality started to fall behind the PC platform, but that didn’t stop Sony from releasing some amazing games,

Read More: PS5 VR Killing off PlayStation VR Sales on PS4?

First-party exclusives for the PS4 included some of the best-reviewed titles on the market, including the likes of Ghost of Tsushima, The Last of Us Part 2, Final Fantasy 7 Remake and Uncharted 4: A Thief’s End.

Many of these games ended up being given away for free as part of the PlayStation Plus subscription service, while others, like Days Gone, remain available to buy exclusively through the PlayStation Store.

Some of these titles, like the one mentioned above, will eventually arrive on the PC platform, but will never make the jump to the likes of Nintendo Switch and Xbox Series X.


The PS4 and PS5 consoles are out now

The PS4 and PS5 consoles are out now (Image: SONY)

God of War proved a huge hit

God of War proved a huge hit (Image: SONY)

And many others will make the jump to the new PlayStation 5 console, with most available via backwards compatibility.

The big news is that Sony is also providing free upgraded versions of games that are available both on the PS4 and PS5.

A good example of this is Miles Morales and Sackboy: A Big Adventure, both of which come with better specs on the PlayStation 5.

But there are also next-gen exclusives that won’t be available on the PlayStation 4.

Gran Turismo 7 could arrive in 2022

Gran Turismo 7 could arrive in 2022 (Image: SONY)

It’s a growing list, and the PS5 already has some notable exclusives that can’t be played in 2021 on the PS4.

Sony has saved some notable projects to be showcased on the PlayStation 5 only, including Demon’s Soul and Astro’s Playroom, both of which have been reviewed well.

These can be downloaded and played right now and will soon be joined by other big juicy games.


Some big games are being saved for the PlayStation 5, meaning they will not be available on the PS4, or PS4 Pro consoles.

And when they do arrive, they could help Sony sell plenty of new consoles as there are some huge names to mention.

God of War was a huge hit on the PS4 and now Sony is saving God of War: Ragnarok for the PlayStation 5.

The PS5 console remains hard to buy in 2021

The PS5 console remains hard to buy in 2021 (Image: SONY)

While it doesn’t have a release date, Ragnarok is expected to arrive in 2021 as a first-party exclusive.

Continuing the story of Kratos, Ragnorok will be a massive draw for those who enjoy the 2018 remake.

Speaking about the return of God of War on PS5, Kevin Zuhn, Creative Director, Young Horses shared this”

“I need to know what happens in the saga of Kratos and Boy. It’s rare that I finish a game and still feel excited by the prospect of more, but that’s God of War 2018 for me.

“There are so many worlds left to visit, so many mythological beings to axe, so many grumbly dad jokes to tell! I don’t know when exactly that’ll be, but I’m vibrating in anticipation of finding out.”

Gran Turismo 7 is another massive game being released this year on the PS5, skipping the PlayStation 4.

While Gran Turismo Sport proved popular, the next-gen Turismo experience will be closer to what gamers remember from previous instalments in the franchise.

Coming in 2022, Gran Turismo 7 will be the first major first-party racing exclusive heading to the PlayStation 5.

Hideaki Itsuno, Director for Devil May Cry 5: Special Edition commented on the upcoming release, adding: “Racing games are always the easiest way for players to feel the true capabilities of next generation gaming.

“I’m extremely excited to see what next generation experiences this title will offer. Hurry up and release it already!”

Ratchet and Clank: Rift Apart. arrives in June

Ratchet and Clank: Rift Apart. arrives in June (Image: SONY)

And another big release scheduled for 2021 that will be skipping the PS4 is Ratchet and Clank: Rift Apart.

Rift Apart is another game that could be playable on the PlayStation 5 in 2021, and is the one that Sony has spoken the most about.

Ratchet & Clank: Rift Apart arrives on PS5 on June 11, which will feature Ratchet & Clank battling against the evil Dr. Nefarious who uses a device that can access alternate dimensions to find a galaxy where he always wins.

A new character called Lombax will also be playable and will be available to explore new and familiar locales that have been given a dimensional twist.

And gamers can expect more news and exclusive PS5 games to be announced by Sony during 2021.