Business

Starling Bank has completed its first acquisition in four years with the purchase of Ember, a London-based fintech specialising in digital tax and accounting software for small businesses.

The deal, subject to final closing conditions, will see Ember’s HMRC-recognised tax and bookkeeping tools integrated directly into Starling’s mobile app and online banking platform by the end of 2025.

The move comes ahead of HMRC’s Making Tax Digital deadline in April 2026, which will require sole traders and landlords earning above a certain threshold to file quarterly digital tax returns using approved software, in addition to their annual self-assessment.

Starling estimates that as many as 780,000 sole traders and landlords will be affected. By embedding Ember’s software, the challenger bank hopes to make the transition seamless for its SME customers.

From 2026, Ember’s software will become exclusive to Starling Bank customers. Its current partnerships with HSBC, Revolut, Barclays and Lloyds will end, and Starling will also discontinue Ember’s separate accountancy advisory services.

Declan Ferguson, group CFO at Starling, said the deal underlines the bank’s ambition to expand its ecosystem through selective acquisitions.

“We are a natural fintech consolidator, so targeted acquisitions like Ember will form a key part of our strategy as we continue to develop Starling Bank in the UK and Engine by Starling overseas,” he said.

“Just as Fleet Mortgages has flourished since we bought it in 2021, I’m confident that Ember’s best-in-class tools will become a fantastic addition to Starling Bank’s offering.”

Daniel Hogan and Aaron Shaw, co-founders of Ember (pictured), said they launched the company to simplify accounting for small business owners.

“We created Ember to take the pain out of accounting for small businesses – to help people make faster, clearer financial decisions without the stress,” they said.

“Making Tax Digital has created a real call to action for SMEs and Ember provides the solution to this. Our deal with Starling Group will mean that we’re setting a new standard for how banking and accounting should work together — seamlessly integrated and refreshingly simple.”

The acquisition marks Starling’s first takeover since its 2021 purchase of Fleet Mortgages, and signals that consolidation in the UK fintech sector is set to continue.

For SMEs, the deal could prove timely. With digital tax compliance looming, Starling is positioning itself as a one-stop shop for both banking and accounting – a move that could give it an edge over rivals as Britain’s small business community braces for a fundamental shift in how it reports to HMRC.

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Starling Bank makes first acquisition in four years with Ember fintech deal

Oxford University spin-out OrganOx, the pioneering transplant technology company, has been sold to Japanese medical devices group Terumo in a $1.5 billion (£1.2 billion) deal.

The acquisition, one of the largest ever for a UK medical technology business, underscores Britain’s strength in scientific innovation but will also intensify debate about the country’s ability to retain ownership of its most successful spin-outs.

OrganOx was founded in 2008 by professors Constantin Coussios and Peter Friend, who developed groundbreaking technology to preserve donor organs outside the human body for up to 24 hours before transplantation. The device has since been used in more than 6,000 liver transplants worldwide.

Earlier this year, the company’s main device won the prestigious MacRobert Award from the Royal Academy of Engineering, cementing its reputation as one of Britain’s most significant medical breakthroughs of recent decades.

Both founders are minority shareholders and are expected to receive significant payouts from the sale. Other beneficiaries include OrganOx employees, Oxford University, the Royal County of Berkshire Pension Fund, and BGF – the venture capital firm backed by Barclays, HSBC, Lloyds and NatWest – which is set to receive its largest-ever return, estimated at £175 million.

Professor Friend, a surgeon and professor of transplantation, said the deal showed how “British universities are capable of generating innovation and then achieving successful commercialisation”. Coussios, director of the Oxford Institute of Biomedical Engineering, described it as a “win-win situation” for patients, clinicians and investors.

Oxford University hailed the deal as the largest ever acquisition of one of its spin-outs.

Despite its commercial success, the deal is likely to raise fresh concerns about the future of UK innovation businesses. OrganOx’s sale to a foreign buyer follows a pattern of British technology firms being acquired before reaching full maturity or opting to list on the London Stock Exchange.

Critics argue that repeated overseas acquisitions risk hollowing out Britain’s science and technology base, with long-term benefits often flowing abroad rather than contributing to domestic growth.

Terumo, based in Tokyo, said OrganOx would become a wholly owned subsidiary and that the deal would accelerate its entry into the organ transplantation market. The company said it planned to expand access to OrganOx’s life-saving technology on a global scale.

For investors and researchers, the OrganOx sale represents a landmark moment. For policymakers, however, it may serve as another reminder of the challenges Britain faces in translating scientific excellence into long-term industrial growth.

With one of Oxford’s most celebrated spin-outs now in Japanese ownership, the deal highlights both the world-class innovation produced by British universities – and the persistent question of how best to keep more of that success anchored at home.

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Oxford spin-out OrganOx sold to Japan’s Terumo in $1.5bn deal

In this Ultimate Traders review, we take a look at an exciting prop trading option. Prop trading, as many traders already know, is an innovative form of trading that emphasizes skill over capital.

It allows traders to handle much more capital than they otherwise would, under the caveat that they need to perform well to keep trading.

If that sounds like an interesting proposition, Ultimate Traders is definitely worth researching. It offers a lot of freedom in terms of approach, making it a lot less restrictive than other prop trading companies. This article will explore its conditions, rules, account specifications, and more to help traders navigate the service and figure out if it appeals to them.

Ultimate Traders Review of Trading Rules

Perhaps the biggest appeal of Ultimate Traders is how unrestrictive the rules are. Often with prop trading companies, traders will face harsh conditions on how they have to place trades, how they need to manage risk, and how their day-to-day needs to look.

This is not only frustrating from a prop trading standpoint, where the point is to show off trading skill, and it’s much more difficult to do that if a lot of trading patterns are prohibited, but also from a trading effectiveness perspective, since these restrictions limit profit potential and sometimes force traders into unfavourable situations.

However, as noted in this Ultimate Traders review, there are no such limits here. The only thing that’s prohibited is news trading, and even then, there’s an add-on that lifts that restriction.

Traders are completely free in the assets they want to trade, how they manage risk, hedge their trades, and when they place their trades.

The only rules to watch out for are the ones surrounding multiple accounts and registrations. Even for these, the restrictions don’t limit traders, but ensure a level playing field for everyone.

How many funds can traders use?

Another big appeal of prop trading is the large amount of capital traders can use in proportion to their investment.

It’s also important for this Ultimate Traders review to note that prop trading happens on demo accounts with simulated market conditions. As such, traders won’t be handling the actual funds, but rather virtual trading credits.

Either way, the result is much the same. Traders can handle funds between $5,000 and $200,000. Naturally, the account options with more funds are more expensive. Depending on the account type, the prices range from $49 to $899 (two-step) or $79 to $1,299 (one-step).

But that’s not the end for this Ultimate Traders review. There’s also flexible leverage on top of that, allowing traders to further enhance the capital they are handling.

How does it work?

For those completely new to prop trading, this Ultimate Traders review should also explain the gist of it. In essence, traders get a demo account to trade on.

They need to reach certain profit thresholds under certain conditions, depending on their account and general company rules. Meanwhile, they can’t hit loss points known as drawdowns or they fail the challenge.

Once traders successfully complete the challenge, their account is considered funded, and only after this can they make withdrawals. As such, skill and consistency are highly valued in prop trading.

Ultimate Traders Review of Accounts

In a fairly standard setup, Ultimate Traders offers two different accounts, Classic and Speedy.

Classic is the two-step account. That means traders need to complete two challenges to fund their account. The profit thresholds are 10% and 5%, the max daily loss is 6%, and the max total loss is 12%.
Speedy, as the name implies, is quicker and only has one step. However, it’s pricier in comparison and has tighter trading requirements. The profit goal to fund is 10%, while the max daily and total losses are stricter, at 4% and 6% respectively.

It’s important to note that Ultimate Traders has no maximum trading days or overnight restrictions. As such, traders who prefer long-term trading tactics won’t need to resort to other strategies they are not as comfortable with.

However, there is a minimum of 3 trading days for each step, including the funded account. This means a day on which at least one trade is placed. As such, traders can’t rely on a big windfall and need to demonstrate consistency.

It’s also notable that the account price is refunded once the challenge is completed. As such, Ultimate Traders is essentially free for those who are skilled enough.

Ultimate Traders Profit Share and Add-ons

Another important thing for this Ultimate Traders review is how much of their winnings traders get to keep. At a baseline, the company employs an 80/20 share, where of course, traders get the 80. However, for those who want to keep more, there’s a 90/10 add-on, which increases the baseline account cost by 20%.

The other add-on was mentioned earlier, and it allows traders to employ news trading strategies. This one comes at a 10% premium, which is only a slight increase since the accounts themselves are fairly inexpensive.

Platform and Trading Conditions

One of the last things to mention for this Ultimate Traders review is the trading software and general conditions. The company offers MetaTrader 4, which should be familiar to most traders already. The blend of intuitiveness, analysis, and deep functionality promises a healthy trading environment.

As for the conditions, although it’s a demo account, Ultimate Traders simulates a real trading environment. As such, traders can expect spreads and slippage, as if they were trading on actual markets.

Ultimate Traders Review Conclusion

In the end, prop traders often look for two things: an environment that allows them to trade to their full extent in good conditions, and the ability to magnify their capital. From this Ultimate Traders review, it should be clear that it soundly provides both.

The rules are unrestrictive, with a good profit share and a top-tier platform. The accounts are reasonably priced and give a good amount of funds for traders to handle. In this, Ultimate Traders stands out as a company that truly knows its user base and isn’t afraid to provide them with the tools they need.

Read more:
Ultimate Traders Review: Easy and Effective Prop Trading

You know, there are days when deadlines feel like this massive weight just pressing down on your shoulders, right?

It’s like being caught in a whirlwind of frantic emails, where someone inevitably replies-all (you know the feeling ugh!). Or when you’re just staring blankly, muttering to yourself, “What even happened to that task I swore I had sorted out?” Seriously, I’ve been there. A token of appreciation is needed for anyone who has survived that level of chaos. Maybe a medal? Or just some comfort snacks. Anyway, I’m here to tell you there’s hope *automatic planning and scheduling* is that beacon of light we didn’t know we needed!

Imagine a tool that does more than just keep track of your tasks; it shows you a glimpse into the project’s future and indicates potential issues before they rear their ugly heads. Pretty nifty, right? It’s like imagining being in a sci-fi movie where everything just flows perfectly… like, say *Star Wars* with all those multitasking droids (those little guys sure knew how to handle a schedule). But let’s reel it back in today, we’re unraveling the magic behind automatic planning and scheduling and how powerful PMO tools like Epicflow can totally change *your* world. Grab a snack!

Understanding Automatic Planning and Scheduling

Let’s dissect this term a bit. Automatic planning and scheduling might sound all fancy and techy, but at its core, it’s about utilizing some clever software and algorithms to simplify how we plan. I remember a couple of years back, working on a project where I’d spend HOURS flipping through Gantt charts and spreadsheets, getting lost in a maze of “Did I update this?” or “Wait, which version is the current one?” trust me, it was like a bad dream I couldn’t wake up from. Automation? Oh man, that’s pure bliss! It allows you to focus on, you know, the parts of your job that actually make you excited! (Yes, I said *fun*! I know, wild.)

But why is this relevant to you? Well, the reality is that project management can sometimes feel like an unending rollercoaster. You think you’re cruising along, and then BAM! urgent tasks spring up like popcorn in a hot pan! One minute, you’re casually sipping your coffee, and the next, you’re frantically trying to process how the week just vanished before your eyes. Honestly, it’s like attempting to shield yourself from a downpour with a flimsy umbrella. So, here are some real benefits of automatic planning and scheduling that I’ve found to be true blue:

Cutting Down Human Error: We’re all prone to mistakes, right? (Unless you’re a robot, and if you are, well done!) Automation minimizes those little snafus that can throw everything off course.

Saving Precious Time: Who actually has loads of spare hours to dedicate to Gantt charts? Not this person! Automation fetches real-time info so you can finally sip that coffee or maybe even sneak in a quick walk!

Boosting Team Collaboration: Everyone gets to share info like it’s the latest gossip at a water cooler totally awesome synergy! (Okay, I might be exaggerating just a tad.)

If you’re itching for more insights, you can check out this resource: Automated Planning an overview.

The Benefits of Using Automated Tools

Okay, now that we’re warmed up, let’s dive into how these tools can seriously upgrade your project management game. You really don’t want to miss out on these benefits trust me!

Agility in Response to Change: Life can be a bit chaotic oh boy, did I learn that during that chaotic period back in 2018 when I was juggling three separate projects all at once. Good times, really. With automatic scheduling, if a resource suddenly becomes unavailable, your tool recalibrates everything, so you’re not left scrolling through endless spreadsheets at midnight.
Data-Driven Decision Making: Having a treasure trove of data at your fingertips? It’s like being handed a treasure map! You can actually make decisions based on hard facts rather than gut feelings (sorry, gut, but who doesn’t sometimes get it wrong?).
Predictive Analytics: Some awesome tools, like those from Epicflow, use AI to help predict possible hurdles and resource constraints. Think of it like receiving a heads-up about traffic before you even hit the road pretty advanced stuff!

Curious about how these features can work wonders for you? Check out what Epicflow has to offer: About Us.

Real-Time Adjustments and Visibility

Alright, let’s chat about perhaps one of the most fascinating aspects of automatic planning and scheduling: real-time visibility. This isn’t just corporate jargon; it’s a complete game changer. Here’s why:

Instant Updates: Manual planning often feels like wading through mud. With automated tools, everyone is equipped with the freshest data available. Can you imagine being in a meeting and someone declares, “Wait, I thought we were still fine!” Talk about an awkward moment!

Enhanced Control: Monitoring progress and resources feels like being given a superpower! With that knowledge, you can tweak priorities and shift resources accordingly like a true project superhero.

Greater Accountability: Transparency is everything! When everyone has access to the same data, it becomes a cinch to see who’s working on what, and it gently nudges everyone to step up their game!

Want to learn how real-time visibility can enhance your projects? Check out this article: Automated Planning in AI.

We’ve covered a ton so far, but hang tight because I’m about to share how AI predictions can completely revolutionize your projects. Plus, I’ve got some actual success stories from companies that embraced these tools. Remember, project management doesn’t have to be a journey walked alone automation is basically your trusty sidekick!

What Automatic Planning and Scheduling Means for Your Projects (Continued)

AI-Driven Predictions for Enhanced Project Management

Here’s the thing: in today’s fast-paced project management world, having the ability to foresee challenges? That’s a game-changer! Enter AI-driven predictions. By leveraging machine learning, tools like Epicflow dive into past project data and current allocations, giving you a nudge before challenges arise!

I’ll never forget my first job out of college in 2015 at that bustling startup; it was pure chaos! I only realized a resource was missing when it was already too late. Cue me racing through the office like a headless chicken! Finding out about AI predictive analytics? Total transformation! Suddenly, I was being notified about potential bottlenecks before they even stumbled into my path. Like magic!

Here’s the scoop on some amazing benefits of AI in planning and scheduling:

Proactive Problem Solving: AI tools identify patterns that allow you to adjust timelines and resource allocations before minor issues become full-blown headaches. Staying ahead? Yes, please!

Resource Optimization: By anticipating what you’ll need, you ensure your team is always game-ready. No more overworking some while others twiddle their thumbs!

Scenario Simulation: Advanced tools can simulate various project scenarios depending on different factors, helping you visualize possible outcomes. It’s like having a project crystal ball… just with none of the spooky vibes!

To get more insights on how AI-driven analytics can change your project management approach, dive deeper with this resource: What is automated planning?

Case Study: A Transformative Journey with Epicflow

Okay, everyone, it’s time for a real-world example showcasing the power of automatic planning and scheduling. Meet TechNova a mid-sized IT company that was wrestling with serious project management headaches. Their chaos would’ve put any circus to shame! They were juggling so many projects that it was hard to keep the juggling balls in the air. Their deadlines? Let’s just say they treated them like hot potato!

Once they teamed up with Epicflow, it was like watching the best kind of transformation happen. The kind where a caterpillar emerges as a beautiful butterfly! Here’s what they discovered along the way:

Streamlined Resource Allocation: Epicflow’s automation gave them a crystal-clear view of resource availability. They reported a 20% decrease in resource conflicts within just weeks talk about winning!

Timeliness in Delivery: With AI-driven predictions, they could foresee potential bumps and make proactive schedule adjustments. The result? A jaw-dropping 30% increase in projects delivered *on time* or *even early*! Talk about a jackpot!

Boosted Team Collaboration: Real-time data access meant no more “Who’s on this task?” Instead, it shifted to “Let’s crush this together!” The culture change was beautiful!

TechNova’s leap into automatic planning and scheduling didn’t merely enhance their efficiency; it sent their client satisfaction ratings soaring! Their success story serves as a shining example that with the right tools, project managers can truly shine.

For more inspirational tales and insights about Epicflow leading your team to victory, have a peek here: Contact Support.

Conclusion

Here’s what I’ve realized: In a world where project management can often feel like one wild ride, embracing automatic planning and scheduling is not just beneficial; it’s absolutely necessary! The perks from minimizing human errors to saving time, boosting collaboration, and providing real-time visibility are absolutely pivotal in today’s landscape.

And layer on AI-driven predictions? That’s when it really goes to another level, allowing project managers like you to anticipate hurdles and optimize resources effectively. Remember TechNova? Their journey proves that with the right tools in hand, you can make a significant impact!

So, are you ready to step up your project management game? Don’t let that burden of manual planning anchor you any longer. Explore how Epicflow can empower you to take charge and guide your team toward extraordinary achievements.

Your journey into the fascinating realm of automatic planning and scheduling kicks off now because your projects absolutely deserve all the help they can get!

FAQ Section

What is Epicflow and what features does it offer?

Epicflow is a web-based project management software crafted to help teams optimize resource management and project scheduling. Think of it as your competent sidekick! Key features include multi-project resource management, automatic task prioritization, capacity planning, what-if analysis, and integration with other tools. With these perks, users gain better control and visibility over their resources who wouldn’t want that?

How does Epicflow improve project management efficiency?

Epicflow increases efficiency by automating tedious planning and scheduling tasks, which definitely helps avoid neck strain from all that manual labor (the struggle is real!). This cuts down on workloads while minimizing human error. Say goodbye to guesswork hello, data-driven decisions!

Who can benefit from using Epicflow?

Epicflow is a game changer for project managers, resource managers, and companies across sectors like manufacturing, IT, and healthcare, where solid project management is essential. If you find yourself managing multiple projects, you’ve hit the jackpot!

Is Epicflow suitable for small businesses?

While Epicflow shines best for medium to large enterprises handling more complex projects, small businesses can definitely reap the benefits too especially if juggling numerous projects requiring better resource management. Just weigh what you need, if it’s extensive, it could be worth considering!

What pricing options are available for Epicflow?

Details on pricing can be a bit elusive. If you’re interested, I recommend checking out the Epicflow website or reaching out to their sales team for a tailored breakdown. Like most software, they usually have different options based on features, users, or particular scenarios.

Can Epicflow integrate with other project management tools?

Absolutely! Epicflow can integrate with other popular tools like MS Project and Oracle Primavera, making it easier for teams to enhance their processes without starting from scratch.

How can I get started with Epicflow?

To kick off with Epicflow, simply head over to their website and sign up for a demo or trial version! You might find user guides or support articles to help you get the hang of things. Plus, their customer support team is there to guide you in maximizing all the goodness Epicflow has to offer.

Read more:
What Automatic Planning and Scheduling Means for Your Projects

The UK’s hospitality industry has been dealt a severe blow following tax increases introduced in last year’s autumn budget, with new figures showing almost 90,000 jobs have been lost in the sector over the past nine months.

According to an analysis of official employment data by UK Hospitality, more than half of all jobs lost across the economy since October have been in hospitality. The Office for National Statistics (ONS) estimates around 165,000 positions have disappeared since the budget, underscoring the disproportionate impact on pubs, bars, restaurants, hotels and leisure venues.

Economists had warned that increases to the national living wage, alongside higher employer National Insurance thresholds and levies, would weigh most heavily on businesses with large numbers of lower-paid, part-time and flexible staff. These roles are common in hospitality, and often filled by younger workers, leaving the industry exposed to structural shifts in the labour market.

The Office for Budget Responsibility had forecast that the National Insurance rise would eventually result in around 50,000 job losses. However, the Bank of England has since said the impact has already exceeded expectations, with hospitality emerging as the hardest-hit sector.

Kate Nicholls, chairwoman of UK Hospitality, described the scale of losses as “staggering” and urged the government to ease the burden by cutting VAT and reforming business rates.

“More than half of all job losses since October occurring in hospitality is further evidence that our sector has been by far the hardest hit by the government’s regressive tax increases,” Nicholls said. “The sheer scale of costs being placed upon hospitality has forced businesses to take agonisingly tough decisions to cut jobs, with part-time and flexible roles often those most at risk.”

The warning comes amid growing pressure on Chancellor Rachel Reeves from across retail and leisure. Last week, the British Retail Consortium (BRC) called for urgent reform of business rates, with its members pointing out that retailers already shoulder more than a fifth of the entire commercial property tax bill.

Helen Dickinson, chief executive of the BRC, said: “The chancellor has the opportunity at the next budget to deliver a meaningful reduction in retail, hospitality and leisure bills, while ensuring that no shop — large or small — pays more than it presently does.”

Retail bosses also cautioned that rising payroll costs are likely to filter through to consumer prices, undermining the government’s push for economic stability and growth. “For this to be possible, the conditions for stable prices, continued investment and sustainable employment must be at the heart of this year’s budget,” the group of executives said in a joint letter.

The strain is not confined to hospitality and retail. Research from the CIPD, the HR professionals’ body, found that half of employers in care and leisure reported National Insurance increases had raised their employment costs to a “large extent”.

There are tentative signs, however, that the worst may be over. The latest ONS figures show employment stabilising in the three months to June, suggesting the labour market is beginning to absorb the initial shock.

Even so, economists have warned the government not to use payroll taxes as an easy revenue lever in the run-up to the next budget. With Labour seeking new sources of income to meet spending commitments, industry leaders fear another round of hikes could further destabilise hiring.

Andrew Wishart, economist at Berenberg, said: “The government should avoid a further increase in payroll tax this autumn. If Labour really needs a big increase in tax revenue, we think it should choose a broad-based increase in income tax instead.”

For hospitality, however, the damage is already being felt in shuttered businesses, curtailed investment and tens of thousands of jobs lost. Unless the government responds, industry leaders warn the cuts may only deepen.

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Hospitality hit hardest as nearly 90,000 jobs lost after budget tax rises

Too many young people are being signed off sick for finding work difficult, the Government’s worklessness tsar has warned, as soaring sickness rates deepen Britain’s economic inactivity crisis.

Sir Charlie Mayfield, the former John Lewis chairman leading a government review into long-term worklessness, said that GPs were often “over-medicalising” stress and anxiety by writing fit notes instead of helping people remain engaged in the workplace.

“Work can be tough. It’s meant to be tough,” he said. “Sometimes you’re meant to find it hard. You’re not meant to ace everything or get everything right. When challenges are dealt with in a supportive environment, they can be a constructive process of improvement. But if you feel criticised and unsupported, you may start to feel anxious or stressed – and the default response is too often a sick note.”

The number of people signed off with mental health conditions has risen sharply since the pandemic, particularly among those under 35. About a quarter of all those classed as economically inactive due to long-term illness are younger than 35, and young people with mental health problems are nearly five times more likely to drop out of work than their peers.

There are now 2.8 million people not working because of long-term sickness, up from 2.1 million in early 2020, according to the Office for National Statistics.

Sir Charlie warned that advising young people to take weeks off for anxiety or stress risks making problems worse. “You go home for a month and nothing’s happened except you’ve been away from work. The prospect of returning can then feel even scarier than when you left,” he said. “Workplaces are social environments, they’re communities. Isolation is a bad thing for most mental health issues.”

Fit notes – the official term for sick notes – are meant to assess whether a person can continue working in some capacity. Yet around 93 per cent declare that an employee should stop work altogether.

Sir Charlie said employers had described fit notes acting like “a force field” between them and their staff, creating a barrier that often leads to disengagement. “When repeat fit notes are issued, an employer doesn’t really have mechanisms to deal with it,” he said.

Businesses also fear being accused of mishandling health issues, with the risk of complaints, grievances or even tribunals discouraging managers from tackling problems proactively.

The rise in long-term sickness is straining both employers and the public purse. The UK’s welfare bill is forecast to hit £70 billion by the end of the decade, driven by growing claims for disability and incapacity benefits.

“The scale of welfare benefits, and particularly the rate at which it’s increasing, is troubling,” Sir Charlie said. “Any responsible government would be concerned about that.”

Work and Pensions Secretary Liz Kendall has already faced challenges trying to rein in spending, abandoning planned cost-saving reforms earlier this summer after opposition from Labour backbenchers.

Sir Charlie said Britain could learn from countries such as Denmark and the Netherlands, where policies emphasise the importance of labour market participation in any form – full-time, part-time or voluntary – for both economic and social wellbeing.

“They make the point that working provides integration benefits as well as financial ones,” he said. “Bringing more humanity back into the workplace is going to be a key part of addressing these issues.”

His review, due to report in the autumn, will focus on how to support people with health conditions before problems reach crisis point. That means intervening earlier in the workplace, tackling issues such as back and neck problems in older workers and mental health challenges among the young.

“The rise in worklessness since the pandemic is heavily driven by these two areas,” he said. “We have to think seriously about how we support people before they fall out of the workforce – otherwise the problem only worsens.”

For Britain’s employers, the stakes are high. With sickness levels now at historic highs, the balance between protecting employees’ health and keeping them engaged at work is emerging as one of the most pressing economic and social challenges of the decade.

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Employment tsar warns too many young people are signed off work for struggling with tough jobs

Generation Z, once the most enthusiastic advocates of remote working, are increasingly seeking out office-based roles to combat feelings of loneliness and social isolation.

New research from Bupa’s Wellbeing Index shows that almost 40 per cent of 16- to 24-year-olds feel lonely or isolated because of the nature of their work, a rate significantly higher than the 24 per cent reported across the wider workforce.

For many who began their careers during the pandemic, the absence of in-person contact has left them missing out on the vital social networks that previous generations built in the workplace. The study suggests that this lack of community is pushing young workers back towards traditional office jobs, even at the expense of flexibility.

‘I realised I needed people around me’

Tom Brown, 24, a PR assistant from Sandbanks, Dorset, said he decided to move away from remote working because of the toll it was taking on his wellbeing.

“While there were upsides to working remotely, the downside was the limitations on social interaction,” he said. “I’ve now learnt I’m not prepared to compromise on this. When looking for a new job, I specifically applied for roles with a physical office where I have supportive colleagues, can socialise at lunchtimes and meet friends in the evenings. My well-being is already improving as a result.”

His experience mirrors the wider trend identified in the survey, with 45 per cent of young employees saying they had considered moving to jobs offering more social interaction, compared with just 27 per cent of the overall population.

Rising mental health concerns

Dr Naveen Puri, medical director of Bupa UK, warned that loneliness in the workplace has significant implications for both physical and mental health.

“Loneliness can have a devastating impact on our mental and physical health, with knock-on effects on depression, anxiety, stress and type 2 diabetes,” he said. “We’ve seen loneliness become an increasing problem in our personal lives, but it’s worrying that we’re also seeing it in the workplace.”

Bupa’s data shows a 100 per cent increase in mental health-related claims between 2019 and 2024 among 18- to 35-year-olds. Yet more than one in five Gen Z workers (21 per cent) report that their workplace offers no mental health support.

The survey also highlights that loneliness is not limited to traditional employees. Among Gen Z content creators and social media influencers – one of the fastest-growing career paths for the age group – 45 per cent said working alone made them feel isolated. Despite the appeal of flexible, independent work, 58 per cent of influencers said they were considering returning to more traditional, social workplaces.

Ben Harrison, director of the Work Foundation think tank, said employers must recognise the risks of leaving young workers to navigate remote and hybrid roles without sufficient support.

“Young people are already more likely to be in insecure employment because of the rise in hybrid and remote working,” he said. “While flexibility can benefit all age groups, it’s critical that employers provide opportunities for young people to learn from and build relationships with colleagues on a regular basis. Supportive and engaged line management can make a big difference when young people face challenges in the workplace.”

As businesses continue to balance demands for flexibility with the need to maintain culture and collaboration, Bupa’s findings highlight a growing generational divide. For many younger workers, the priority is no longer the freedom to work from anywhere, but the reassurance of working with others.

Read more:
Gen Z workers turn back to office jobs to combat loneliness

Royal Mail and DHL have suspended some deliveries to the United States as postal operators worldwide scramble to adapt to President Donald Trump’s sudden changes to America’s import rules.

From 29 August, the US will no longer allow low-value parcels to enter duty-free, ending the so-called de minimis exemption that let overseas consumers send goods worth up to $800 without paying tariffs. Only gifts valued at under $100 will remain duty-free.

The move, announced through a White House executive order last month, accelerates changes initially due in 2027 and marks a significant escalation in Trump’s trade agenda.

Royal Mail said it would suspend its US export services for businesses from Tuesday, although it hopes to resume within days once systems are updated. Cards and letters will continue to be delivered as usual.

“We have been working hard with US authorities and international partners to adapt our services to meet the new US de minimis requirements so UK consumers and businesses can continue to use our services when they come into effect,” Royal Mail said.

The company added it was confident of restoring services quickly but warned businesses to expect disruption in the short term.

Deutsche Post and DHL Parcel Germany also confirmed they would temporarily suspend business parcel services to the US, citing “key questions” about how duties will be charged and who will be responsible for payment. DHL said its express services would continue to operate.

PostNord, the Nordic postal operator, has also paused US shipments, saying American authorities only provided full technical details on 15 August, leaving insufficient time to implement changes.

Bjorn Bergman, PostNord’s head of group brand and communication, said: “This decision is unfortunate but necessary to ensure full compliance of the newly implemented rules.”

Online marketplace Etsy has responded by suspending US-bound shipping label purchases for Royal Mail, Australia Post, Canada Post and Evri parcels until carriers have adapted.

The US government justified the move by pointing to a surge in de minimis shipments, which more than doubled from 115 million in 2023/24 to 309 million by June this year. Officials claim the exemption has been “abused” by some shippers to send illicit goods, including drugs, into the country.

Although China has been the largest source of these parcels – via fast-fashion platforms such as Shein and Temu – significant volumes also arrive from Canada and Mexico.

The White House said ending the exemption would help tackle “escalating deceptive shipping practices, illegal material, and duty circumvention”.

The tariff changes are expected to increase costs for online shoppers in the US, particularly for low-value items such as clothing, accessories and homeware. Retailers outside America now face urgent decisions on how to price, label and ship goods, while logistics providers must upgrade systems to collect and remit duties.

For UK exporters, the pause by Royal Mail and courier networks could prove costly, particularly for small businesses reliant on e-commerce sales to US customers.

With postal services pledging to restore US parcel flows as quickly as possible, the coming weeks will be a critical test of how resilient international supply chains are to President Trump’s sudden policy shifts.

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Royal Mail and DHL suspend US parcel deliveries as Trump tariffs take effect

America’s labour market is bracing for a sharp slowdown as President Donald Trump’s economic policies take their toll, with economists warning of a looming “Trump slump”.

Jobs growth in the US is set to collapse by almost two-thirds this year, according to forecasts from Capital Economics. The consultancy expects just 690,000 new jobs to be created over the next 12 months – 64 per cent fewer than the 1.9 million added across 2024, before Mr Trump entered the White House.

Bradley Saunders, economist at Capital Economics, said: “Outside of the pandemic, the last time jobs growth was this low over a 12-month period was during the recession caused by the global financial crisis.”

The figures mark a steep deterioration for the world’s largest economy. Growth of 690,000 jobs would put the market on par with 2010, when the US was still reeling from the fallout of the credit crunch.

Economists point to the combined effect of Mr Trump’s tariffs, his immigration crackdown and sweeping government cuts. These policies, they argue, have created uncertainty for employers, weakened sentiment, and triggered a slowdown in hiring.

James Knightley, chief international economist at ING, said: “Trump’s policies have contributed to a further deterioration in the labour market that was already underway. The numbers have been much weaker since he’s come into office. His policies have created a big headwind to growth and a big headwind to consumer and business sentiment. When you’ve got uncertainty, companies just naturally pull back on their hiring.”

The slowdown has already shown up in official data. Across 2024, monthly jobs growth averaged 161,000. But from May to July this year, that figure collapsed to just 35,000 – less than a quarter of last year’s pace.

The jobs numbers have become a sensitive issue for Mr Trump. Earlier this month, he sacked Erika McEntarfer, head of the Bureau of Labour Statistics (BLS), after the agency published significant downward revisions to previous jobs figures.

Mr Trump dismissed the data as “RIGGED in order to make the Republicans, and ME, look bad”, but economists point to mounting evidence that his radical agenda is weighing heavily on the economy.

Since his election win in November, the share of Americans expecting unemployment to rise has surged from 13 per cent to 49 per cent, according to the University of Michigan’s closely watched sentiment index. Such pessimism has not been seen since the global financial crisis.

Mr Knightley added: “Historically, this is consistent with private payrolls falling perhaps 200,000 per month, which is recession territory. Workers notice when there is a hiring freeze or when a couple of people are fired, and they start to fear broader action is coming – and unfortunately, it typically does.”

The slowdown is also exposing imbalances in America’s labour market. Over the past two and a half years, 90 per cent of all jobs growth has been concentrated in just three areas: healthcare and education, government, and leisure and hospitality.

This has left traditional engines of growth such as manufacturing and technology struggling to create meaningful employment. Now, economists warn, even those sectors that had been propping up job creation are coming under direct pressure from Mr Trump’s policies.

Cuts to Medicaid in the president’s latest spending bill threaten the healthcare industry, while budget reductions under his department of government efficiency are squeezing federal employment. Leisure and hospitality – one of the few areas of resilience – is already being undermined by a slowdown in consumer spending.

With growth faltering and confidence slipping, the risk of the US sliding towards recession is becoming harder to ignore. For businesses and workers alike, the promise of an economic revival under Trump’s presidency is increasingly being tested against the reality of a shrinking jobs market.

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US jobs market faces ‘Trump slump’ as tariffs and cuts hit growth

Britain’s farmers are warning of a crisis after a new poll revealed widespread fears over survival and an overwhelming rejection of Labour’s agricultural policies.

According to research by the Country Land and Business Association (CLA), which represents 28,000 farmers and rural businesses across England and Wales, almost 80 per cent of farmers are worried their business will not survive the next ten years. None of those surveyed said they would vote for Labour in a general election.

The poll, conducted among 490 CLA members, found that 40 per cent “strongly agree” and 38 per cent “agree” with the statement: “I am worried that my business will not survive the next ten years.” More than 30 per cent have “seriously” considered selling their farm and leaving the industry in the next five years.

Nearly 70 per cent say they will be forced to sell land or take on debt to keep their business running, while almost half expect they will have to sell at least a quarter of their farm.

The anxiety stems largely from Labour’s inheritance tax reforms. From April 2026, inherited agricultural assets worth more than £1 million will face a 20 per cent tax charge. Previously, such assets were exempt. The government expects the policy to raise £520 million annually by 2029.

Since the announcement last October, around 90 per cent of farmers have delayed or paused investment, with more than a quarter holding back over £150,000.

Victoria Vyvyan, president of the CLA, said: “The Treasury says these reforms will barely touch rural Britain. Our polling shows they will force hard choices on farms that have sustained communities for generations — selling land, laying off staff and shelving plans for the future. Already families are weighing up which parts of their business they can afford to keep. Some are holding back investment, others are wondering if they can hand the farm on at all.”

The poll revealed striking political consequences. While 38 per cent of farmers said they would back the Conservatives, 36 per cent favoured Reform UK. The Liberal Democrats attracted just under 4 per cent, while 21 per cent were undecided. Labour secured zero support.

Vyvyan warned that rural Labour MPs risked losing the trust of their communities if they backed the policy. “If they support it, their voters won’t forget,” she said.

The inheritance tax changes come on top of a string of challenges for British agriculture. The National Farmers Union (NFU) warns that many medium-sized farms will not generate enough income to pay the tax without selling off land, making their businesses unviable.

Other pressures include rising production costs, global market volatility, new regulations and the collapse of government support schemes. The sudden closure of the Sustainable Farming Incentive (SFI) programme in March, which had paid more than 50,000 farms to improve soil and boost biodiversity, was described by the NFU as another “shattering blow”.

The Commons environment, food and rural affairs committee has urged ministers to delay the inheritance tax changes by at least a year, citing a lack of consultation, impact assessment and affordability analysis.

Defra has defended the reforms, arguing that most family farms will not be affected. A spokesperson said: “Our commitment to farming is steadfast and farming profits in the UK increased by £1.6 billion last year. We have allocated a record £11.8 billion to sustainable farming over this parliament and appointed former NFU president Baroness Minette Batters to recommend further reforms to boost farmers’ profits.”

Officials point out that 40 per cent of agricultural property relief — worth £219 million — went to just 117 large estates. The Treasury insists the reforms are “vital” to raise money for public services.

Yet with confidence collapsing and farmers openly questioning their future, the political and economic fallout of the reforms is set to be a defining test for Labour’s relationship with the countryside.

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Farmers warn of crisis as poll shows 80% fear for survival and none back Labour