Several homes were left on the edge of a cliff after a huge landslide sent tonnes of mud and debris across a Welsh beach.
The landslide, in the village of Nefyn, North Wales, which overlooks the Llyn Peninsula, completely destroyed residents' gardens.
The Welsh Ambulance Service reported no injures.
"We could see the coastguard shouting to someone in their garden to stay aware from the edge because it was still moving," said resident Steve Wilding-Hewitt.
"You can see a bench that was at the end of one of the gardens has fallen into the mud below.
"There have been some rocks fall around this coastline for a number of months, but never anything like this. It is frightening," he said.
Hairdresser Christian Pilling saw the immediate aftermath. "We'd just gone down for a walk and turned around and had the shock of our lives.
"I don't think anyone was on the beach. We'd gone down there about half an hour after it happened. "[The landslide is] a good 40 metres wide, but it's hard to tell."
North Wales Police said: "We are aware of people gathering to take photographs – the public is advised to avoid the area until further notice."
Local authority Gwynedd Council confirmed there would be an investigation.
"Arrangements have been made for an initial investigation of the cliff to be carried out," it said.
What is an ETF?
An exchange traded fund is a type of investment fund that can be traded quickly and easily, just like stocks and shares. They come with no upfront costs aside from your brokerage's dealing charges and annual fees, which are far lower than on traditional mutual investment funds. Charges are as low as 0.03 per cent on one of the very cheapest (and most popular), Vanguard S&P 500 ETF, with the maximum around 0.75 per cent.
There is no fund manager deciding which stocks and other assets to invest in, instead they passively track their chosen index, country, region or commodity, regardless of whether it goes up or down.
The first ETF was launched as recently as 1993, but the sector boasted $5.78 billion in assets under management at the end of September as inflows hit record highs, according to the latest figures from ETFGI, a leading independent research and consultancy firm.
There are thousands to choose from, with the five largest providers BlackRock’s iShares, Vanguard, State Street Global Advisers, Deutsche Bank X-trackers and Invesco PowerShares.
While the best-known track major indices such as MSCI World, the S&P 500 and FTSE 100, you can also invest in specific countries or regions, large, medium or small companies, government bonds, gold, crude oil, cocoa, water, carbon, cattle, corn futures, currency shifts or even a stock market crash.
TEACHERS' PAY - WHAT YOU NEED TO KNOW
Pay varies significantly depending on the school, its rating and the curriculum. Here's a rough guide as of January 2021:
- top end schools tend to pay Dh16,000-17,000 a month - plus a monthly housing allowance of up to Dh6,000. These tend to be British curriculum schools rated 'outstanding' or 'very good', followed by American schools
- average salary across curriculums and skill levels is about Dh10,000, recruiters say
- it is becoming more common for schools to provide accommodation, sometimes in an apartment block with other teachers, rather than hand teachers a cash housing allowance
- some strong performing schools have cut back on salaries since the pandemic began, sometimes offering Dh16,000 including the housing allowance, which reflects the slump in rental costs, and sheer demand for jobs
- maths and science teachers are most in demand and some schools will pay up to Dh3,000 more than other teachers in recognition of their technical skills
- at the other end of the market, teachers in some Indian schools, where fees are lower and competition among applicants is intense, can be paid as low as Dh3,000 per month
- in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues
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