Connect with us
DAPA Banner

Business

UK Inflation Rises to 3.3% in March 2026 as Middle East War Hits Fuel and Energy Costs

Published

on

UK Inflation Rises to 3.3% in March 2026 as Middle East War Hits Fuel and Energy Costs

British small and medium-sized enterprises are facing a fresh squeeze on margins after official figures revealed inflation jumped to 3.3 per cent in March, the first hard evidence of how the Middle East conflict is feeding through to the real economy.

Data released by the Office for National Statistics on Wednesday showed the Consumer Prices Index accelerated from 3 per cent in February, in line with City forecasts and marking the first uptick in the headline rate since December. It is also the first inflation reading to capture the surge in global oil and gas prices since hostilities erupted two months ago, with Brent crude up roughly 30 per cent and trading around the $100-a-barrel mark for several weeks.

The pain at the pump was unmistakable. Petrol rose by 8.6 pence per litre to an average of 140.2p, its highest since August 2024, while diesel, the lifeblood of the haulage and trades sector, leapt by 17.6p to 158.7p, a level not seen since November 2023. For the nation’s 5.5 million SMEs, many of whom rely on vans, lorries and company cars to service customers, it amounts to a significant and largely unhedgeable operating cost.

Air fares added further heat, climbing 10 per cent month-on-month against a 0.3 per cent fall over the same period a year earlier. That is the steepest February-to-March rise since 2016, although the ONS noted that prices were collected before the outbreak of war and were inflated by the timing of long-haul flights immediately after Easter.

Grant Fitzner, chief economist at the ONS, said: “Inflation climbed in March, largely due to increased fuel prices, which saw their largest increase for over three years. Airfares were another upward driver this month, alongside rising food prices. The only significant offset came from clothing costs, where prices rose by less than this time last year.”

Advertisement

Economists at the International Monetary Fund and elsewhere have warned that the headline rate could climb through the summer and potentially peak above 5 per cent, more than double the Bank of England’s 2 per cent target. Core inflation, which strips out volatile food and energy components, edged down to 3.1 per cent from 3.2 per cent, but services inflation, the measure most closely watched by Threadneedle Street, ticked up to 4.5 per cent from 4.3 per cent. Food prices were 3.7 per cent higher year-on-year, a number that will ripple through hospitality margins.

The Bank of England’s monetary policy committee is expected to leave Bank Rate on hold at 3.75 per cent when it meets next Thursday, though rate-setters are facing an uncomfortable dilemma. Martin Beck, chief economist at WPI Strategy, said: “With inflation likely to remain above target for longer, the Bank of England is unlikely to cut rates any time soon. But equally, the case for further tightening remains weak. A prolonged period of policy on hold looks the most likely outcome, leaving the economy exposed to the trajectory of the conflict and its impact on energy markets.”

Peter Dixon, senior economist at the National Institute of Economic and Social Research, went further, arguing that the Bank “cannot risk appearing complacent, and we therefore expect one precautionary [quarter point] rate increase over the coming months”. A move of that kind would raise the cost of variable-rate borrowing for millions of homeowners and small business owners, and set back those attempting to step onto the property ladder.

There are, however, glimmers of resilience. GDP grew by a stronger-than-expected 0.5 per cent in February and unemployment fell unexpectedly to 4.9 per cent in the three months to February, down from 5.2 per cent, suggesting that, for now at least, the labour market is holding up despite the external shock.

Advertisement

Rachel Reeves, the chancellor, struck a sympathetic note: “This is not our war, but it is pushing up bills for families and businesses. That’s why it’s my number one priority to keep costs down.” The Treasury has so far extended support to a limited number of rural households dependent on heating oil and has widened an existing scheme aimed at cutting energy bills for businesses, though SME lobby groups are already pressing for more targeted relief for firms whose fuel and logistics costs cannot easily be passed on to customers.

For British SMEs, the immediate message from March’s data is stark: energy-driven cost inflation is back, interest rate relief is further away than many had hoped, and the next phase of the Middle East conflict will do as much to shape the outlook for cash flow and investment as anything decided in Westminster.


Amy Ingham

Amy is a newly qualified journalist specialising in business journalism at Business Matters with responsibility for news content for what is now the UK’s largest print and online source of current business news.

Advertisement

Continue Reading
Click to comment

You must be logged in to post a comment Login

Leave a Reply

Business

Best Buy names Jason Bonfig as new CEO, replacing Corie Barry

Published

on

Best Buy names Jason Bonfig as new CEO, replacing Corie Barry

A Best Buy logo is displayed outside one of their stores on October 10, 2025 in San Diego, California.

Kevin Carter | Getty Images

Best Buy said Wednesday that company veteran Jason Bonfig will succeed Corie Barry as the retailer’s CEO on Oct. 31, taking over as Best Buy tries to break a run of stagnant sales.

Advertisement

Bonfig, 49, is chief customer, product and fulfillment officer and rose through the ranks after joining the retailer as an inventory analyst in 1999. He will become Best Buy’s sixth chief executive officer and join the company’s board.

Barry will stay on as a strategic advisor for six months after stepping down, the company said in a news release.

The leadership change comes as Best Buy tries to get back to meaningful sales growth and capitalize on a wave of artificial intelligence-enabled mobile phones and laptops. The company’s sales have lagged in the past four years, which Best Buy has attributed to a slower housing market, price-conscious U.S. consumers and less tech innovation.

The company said at least some of those dynamics will likely persist this fiscal year. Best Buy said in early March that it expects revenue to range between $41.2 billion and $42.1 billion, compared with $41.69 billion last fiscal year. It expects adjusted earnings per share to range from $6.30 to $6.60, after it reported adjusted earnings per share of $6.43 for the previous fiscal year. 

Advertisement

It said comparable sales, a metric that tracks sales online and in stores open at least 14 months, will range from a decline of 1% to an increase of 1%.

In the company’s news release, David Kenny, chair of Best Buy’s board of directors, described Bonfig as “the right leader to accelerate the business, with urgency and innovative ideas, and create meaningful growth for the company and its shareholders.”

In his current role, Bonfig oversees many aspects of Best Buy’s business, including merchandising, marketing, supply chain, e-commerce and its advertising business, Best Buy Ads. He helped launch the company’s third-party marketplace in the U.S. in August, one of its strategies to drive more sales and higher profits.

Barry, 51, will step down after nearly seven years in the company’s top job. She became the first woman to lead Best Buy when she started in the role in June 2019. She led Best Buy through a period marked by rapid changes and spikes in demand — including a rush to buy computer monitors and kitchen appliances during the Covid pandemic — along with supply-chain headaches, high inflation and President Donald Trump’s sharp increase in global tariffs.

Advertisement

Kenny, chair of the company’s board of directors, said Barry “guided Best Buy with a confident and steady hand and an unrelenting commitment to drive value for our employees, customers, partners and shareholders through some of the most tumultuous and uncertain times we have ever seen.”

Best Buy’s stock has reflected that turbulence, too. On the day she began as CEO, the price of the company’s shares were $65.52, but they shot up to an all-time closing high of $138 on Nov. 22, 2021.

Shares closed on Tuesday at $66.59, bringing the company’s market cap to $13.93 billion. As of Tuesday’s close, Best Buy’s stock is up about 7% over the past year and down about 0.5% this year. That compares to the S&P 500’s approximately 37% gains and 3% rise, respectively, during the same time periods.

Best Buy faces some skepticism among investors. Earlier this month, Goldman Sachs downgraded the company’s stock from buy to sell.

Advertisement

In an equity research note, retail analyst Kate McShane said the company may get a bounce from higher tax refunds in the first quarter of the year as customers buy new devices. Yet she said she expects sales and margins to come under pressure during the rest of the year as higher memory costs drive up the price of computers and laptops and consumers trade down to cheaper laptops.

Plus, she said, Best Buy’s sales of appliances and other consumer electronics have lagged, even as competitors like Home Depot and Lowe’s have posted stronger sales trends.

Choose CNBC as your preferred source on Google and never miss a moment from the most trusted name in business news.
Continue Reading

Business

What Software Do You Actually Need?

Published

on

The online casino industry has rapidly evolved in recent years, driven by technological advancements and changing user preferences.

Launching an online casino in the UK is one of the more technically involved projects in the digital business space. The UK market is mature, player expectations are high, and the technical standards operators must meet are clearly defined.

Getting the software right from the start is not just a convenience — it is what determines whether your platform holds together at launch and continues to scale after it.

The good news is that the market for casino infrastructure has developed significantly over the past decade. Operators today have access to modular, API-driven platforms that can be assembled into a working product far faster than was possible five years ago. The challenge is knowing what each component actually does and how the pieces connect — which is exactly what this guide covers.

Before getting into specifics, here is the framing: a casino platform is not a single piece of software. It is a collection of interdependent systems covering player identity, game delivery, payments, promotions, and business reporting. When operators talk about choosing online gambling software, they are really making a set of parallel decisions about which vendor handles which layer and how those layers communicate. Getting that architecture right is the foundation everything else sits on.

The Core Software Stack Every UK Casino Needs

Every operational casino platform, regardless of size or market positioning, runs on a small set of foundational systems. These are not optional modules — they are the baseline requirements for going live and staying compliant with the standards expected in the UK market.

Advertisement

Think of the core stack as the skeleton of your operation. Without any one of these components functioning correctly, the entire platform either fails to launch or creates serious operational risks once live.

The essential components are:

  • Player Account Management (PAM) — manages identity verification, session control, player segmentation, responsible gambling controls (deposit limits, cooling-off periods, self-exclusion), and player history
  • Game delivery layer — connects your front end to game content via APIs, either through direct provider agreements or a game aggregator
  • Payment processing infrastructure — handles deposits, withdrawals, currency conversion, and fraud screening
  • Back-office reporting system — gives you real-time visibility into GGR, NGR, player activity, and game performance
  • Bonus and CRM module — manages promotional mechanics including free spins, deposit match offers, loyalty tiers, and retention campaigns
  • Anti-fraud and AML tooling — monitors transaction behavior, flags suspicious activity, and supports your AML reporting obligations

Each of these systems can come from a single platform vendor or be assembled from multiple best-in-class tools. The right approach depends on your budget, timeline, and how much internal technical capacity you have to manage a multi-vendor environment.

Player Account Management: The System Everything Connects To

The PAM system is the operational center of a casino platform. Every player interaction flows through it — registration, KYC checks, deposits, gameplay sessions, bonus claims, and withdrawals. If your PAM is slow, poorly documented, or missing key features, you will feel the impact across every other part of the product.

In the UK specifically, PAM systems need to handle a set of responsible gambling controls that are not optional. These include deposit limits configurable by players on daily, weekly, and monthly cycles; session time reminders; cooling-off periods; and self-exclusion functionality that connects to the national self-exclusion scheme.

Advertisement

All of these controls must be enforced server-side. Client-side-only implementations — where the limit is only applied in the browser or app rather than at the server level — do not meet UK technical standards. This is a detail that catches operators out when they select platforms that were built primarily for less regulated markets and attempt to apply them to the UK without modification.

A strong PAM system also supports player segmentation, which feeds directly into your CRM and retention strategy. Being able to group players by deposit behavior, game preference, session length, and lifecycle stage is what makes the difference between a generic promotional calendar and one that actually drives revenue.

Game Delivery: Direct Integration vs. Aggregation

Getting game content onto your platform involves one of two approaches: signing direct agreements with individual game providers and integrating their APIs one by one, or connecting to a game aggregator that handles those relationships centrally and delivers everything through a single API.

Most UK operators, particularly those launching for the first time, use an aggregator. The practical reason is straightforward: direct integrations take time and require ongoing technical maintenance for each provider. A single aggregator connection gives you access to content from dozens or hundreds of studios while reducing the integration workload to one project.

Advertisement

The game library itself needs to cover slots, live dealer titles, and table games as a minimum. UK players expect a broad content offering, and a library of content from at least 20 to 30 providers is generally considered the baseline for a credible casino product. Live casino content in particular requires careful platform support, since live streaming imposes stricter technical requirements on your infrastructure around latency and connection stability.

Payment Infrastructure: What The UK Market Requires

Payment processing in the UK has a set of hard technical requirements that your platform must meet, separate from any commercial decisions about which payment methods to offer. The most significant of these is the ban on credit card deposits, which has been in effect since April 2020. Your payment gateway must block credit card transactions at the processing layer — not just at the front end.

Beyond that, your payment infrastructure needs to handle a mix of payment methods that UK players actually use:

  • Debit cards — Visa and Mastercard remain the dominant deposit methods
  • Open banking payments — increasingly preferred by regulators as they provide verified account ownership for source-of-funds checks
  • E-wallets — PayPal, Skrill, and similar options remain widely used, with additional AML checks required on e-wallet deposits above defined thresholds
  • Cryptocurrency — not a primary method in the UK market, but increasingly expected as an option

Your payment system must also support deposit limits enforcement in real time. When a player sets a daily limit, the payment gateway must prevent deposits that would breach that limit from processing — not just flag them for review afterward.

AML monitoring is a separate but related requirement. Your platform needs automated transaction monitoring that can identify patterns consistent with money laundering and generate suspicious activity reports when appropriate. Most payment processing vendors for the iGaming sector include this as a core feature rather than an add-on.

Advertisement

Back-Office And Reporting Tools

The back office is where you actually run the business. It is the administrative layer that gives your operations team visibility into what is happening on the platform and the controls to act on it. A weak back office does not just make management harder — it creates blind spots that affect your ability to make good commercial decisions.

The minimum feature set for a competent back-office system includes:

  • Real-time GGR and NGR reporting by game, provider, player segment, and time period
  • Player-level activity history with full transaction logs
  • Bonus performance tracking — redemption rates, cost per bonus, incremental revenue generated
  • Affiliate tracking and commission management
  • Risk alerts and flagging tools for unusual account activity
  • Game performance dashboards showing RTP, hold rates, and session counts by title

Operators who underinvest in back-office tooling often find themselves making decisions based on lagging data, which leads to slow responses to game underperformance, bonus abuse, and player churn. The more granular your reporting, the better your ability to manage the business proactively.

Responsible Gambling Tools As A Technical Requirement

Responsible gambling functionality is not a separate add-on or a compliance checkbox. In the UK, these tools are built into the technical requirements for operating a casino platform, and they need to function correctly at all times.

The specific tools that must be present and working include:

Advertisement
  • Deposit limit setting on daily, weekly, and monthly cycles, applied server-side
  • Loss limit settings at the same frequency
  • Session time reminders that alert players when they have been active for a defined period
  • Reality checks with configurable display frequency during gameplay
  • Cooling-off periods that prevent players from reversing a self-exclusion decision immediately
  • Self-exclusion that connects to the national scheme and prevents re-registration during an active exclusion period

The platform must also perform affordability checks when player spending reaches defined thresholds, a requirement that has become more strictly enforced since 2024. Your PAM system and payment layer need to communicate accurately to trigger these checks at the right point.

Custom Build vs. Pre-Built Platform

Operators launching in the UK typically face a decision between building a custom platform from scratch and selecting a pre-built solution from an established vendor. Both approaches have real trade-offs worth understanding before making a commitment.

A custom build gives you full control over the technical architecture, user experience, and product roadmap. You own the codebase, which means no revenue share with a platform vendor and no dependency on their development priorities. The drawback is time and cost. Building a production-ready casino platform with all the components described in this guide takes significantly longer than deploying a pre-built solution, and the ongoing engineering costs are higher.

A pre-built platform gets you to market faster and shifts the maintenance burden to the vendor. The trade-off is less flexibility and, in many cases, a revenue share arrangement that reduces your margin as the business grows.

Most operators launching in the UK for the first time choose a pre-built or turnkey platform for the initial launch, then invest in custom development once the business is generating consistent revenue and the product requirements are better understood. This approach reduces the risk of over-engineering before you know exactly what your players need.

Advertisement

Putting The Stack Together

The software decisions you make at the start of a UK casino project have a longer shelf life than most other decisions in the build. Changing a PAM system or a payment infrastructure provider after launch is a significant technical project that affects every part of the platform. Getting it right the first time is worth the upfront investment in research and vendor evaluation.

The UK market rewards operators who take player experience seriously at the technical level — fast game loading, reliable payment processing, clear responsible gambling controls, and a back office that gives the team real data to work with. Each of these outcomes is a product of good software selection, not luck.

Advertisement
Continue Reading

Business

How Hiring a Local Plumber Transforms Emergency Plumbing Situations

Published

on

How Hiring a Local Plumber Transforms Emergency Plumbing Situations

Homeowners face emergency plumbing issues more frequently than imagined, with reports suggesting that 57% of households encounter one such crisis annually. These situations demand immediate attention to prevent extensive damage and costly repairs.

By engaging a local plumber, homeowners benefit from faster response times and personalized service. Below, we explore how local expertise can turn an overwhelming plumbing issue into a manageable task.

Emergency Plumbing Situations Made Easier With Local Experts

Local plumbers bring a wealth of knowledge and agility in tackling emergency plumbing. Their familiarity with regional plumbing systems and typical weather conditions allows them to diagnose problems efficiently. plumber near me Additionally, they maintain relationships with local suppliers, ensuring quick access to necessary parts.

Homeowners can rely on local plumbers for tailored and empathetic services. For instance, a local plumber understands the urgency when a severe leak threatens to damage family photographs or heirlooms. This understanding translates into swift action and suitable solutions.

When choosing a local plumbing expert, consider verifying their credentials and customer reviews. Engaging a reputable local professional can significantly reduce the time taken to address emergencies, ultimately protecting your home and peace of mind.

Advertisement

Quick Response Times From Local Plumbers In Urgent Scenarios

Local plumbers offer unparalleled quick response times in emergencies. Their proximity facilitates the rapid deployment of resources and personnel, minimizing potential water damage. This is crucial when dealing with situations like burst pipes or overflowing toilets that can lead to significant damage if not addressed swiftly.

In contrast, national plumbing chains often require extended travel times, which can delay critical interventions. According to industry experts, response times from local plumbers can be as much as 50% faster compared to larger chains, ensuring you receive help precisely when you need it the most.

To ensure prompt attention during emergencies, establish a relationship with a trusted local plumber before emergencies arise. This can be as simple as storing their contact information and confirming their availability for urgent services. Finding a reliable service provider now can ease future worries.

Cost-Effective Emergency Solutions Through Local Plumbing Services

Engaging local plumbers can significantly reduce emergency plumbing costs. Their established connections with neighborhood suppliers often translate into competitive pricing for parts and materials. As a result, homeowners can save up to 20% on material costs alone.

Advertisement

Moreover, local professionals prioritize building long-term relationships with their clients. This focus often leads to tailored pricing models, accommodating each client’s unique financial constraints while emphasizing exceptional service quality.

To maximize potential savings, homeowners should seek out plumbers offering transparent pricing policies and no hidden fees. This approach ensures you receive a fair deal on both labor and materials, protecting your financial interests during an already stressful situation.

Building Trust With Local Plumbers For Stress-Free Emergencies

Establishing trust with local plumbers plays a crucial role in managing emergency situations effectively. Trust fosters open communication, enabling a smoother, more transparent repair process. It also means that homeowners feel more comfortable with the recommended solutions and costs.

Local professionals often engage with their communities, further establishing their reliability and reputation. Frequent positive interactions, such as attending local events and contributing to community projects, enhance their credibility over nationwide services.

Advertisement

To cultivate a trusting relationship, engage your plumber in regular maintenance check-ups. Scheduled inspections help prevent emergencies from arising and provide an opportunity to build rapport, ensuring peace of mind when unexpected plumbing issues occur.

Ultimately, partnering with a local plumber during emergencies offers numerous advantages, from cost savings to faster response times. By fostering trust and maintaining open communication, homeowners can tackle stress-induced plumbing crises confidently and efficiently.

Advertisement
Continue Reading

Business

AT&T beats estimates on revenue and subscriber growth

Published

on


AT&T beats estimates on revenue and subscriber growth

Continue Reading

Business

Stifel cuts Manhattan Associates stock price target on valuation

Published

on


Stifel cuts Manhattan Associates stock price target on valuation

Continue Reading

Business

The role of preventive care in avoiding costly dental treatments

Published

on

Pain is a universal experience. It can be sharp, dull, constant, or fleeting. But for some, it lingers, becoming a daily struggle. Dr. Reza Ray Ehsan has spent his career helping people manage and overcome pain.

Dental appointments have a way of sliding down the priority list. When nothing hurts and everything seems fine, it feels reasonable to postpone that check-up for another month, or perhaps until something actually demands attention.

Work deadlines press harder than a gentle reminder card, and family commitments feel more urgent than a routine scale and polish.

Most of us only rediscover our teeth when they announce themselves through discomfort. A sudden sharp sensation while biting into an apple, gums that streak pink across the bathroom sink, or that annoying chip that your tongue keeps finding. By then, what might have been caught early often requires more complex intervention.

The concept of preventive dental care isn’t about manufacturing anxiety or filling appointment books. Rather, it represents a measured approach that recognises how today’s small actions influence tomorrow’s treatment needs. What you choose to do now genuinely affects the dental procedures you may face later.

Understanding preventive dental care and its impact on your smile

Think of preventive dental care as the partnership between what you do at home and the professional oversight that catches what daily routines cannot. Instead of waiting for symptoms to appear, this approach prioritises early detection alongside practical, everyday guidance.

Advertisement

What preventive care actually involves

At home, you’re dealing with the daily accumulation of plaque and food particles that naturally build up between meals. Brushing twice daily removes the soft bacterial film, while cleaning between teeth reaches the spots your toothbrush cannot access effectively.

Professional appointments pick up where home care leaves off. Dental hygienists remove the hardened tartar deposits that form despite careful brushing, whilst routine examinations track subtle changes in your teeth and gums before they develop into problems requiring treatment.

The relationship works best when both elements support each other. Your daily efforts matter significantly, but they need backing from professional monitoring to be truly effective.

How prevention supports cosmetic dentistry

Healthy foundations matter enormously if you’re considering aesthetic dental work. Gum disease creates an unstable base for treatments like whitening or veneers, whilst untreated decay can compromise how well restorations integrate with your natural teeth.

Advertisement

When your oral health remains stable, you have greater flexibility with cosmetic options. Treatments tend to last longer, require less maintenance, and integrate more seamlessly with your existing smile. Prevention essentially protects whatever investment you might make in aesthetic dentistry.

The real cost of postponing dental care

Delaying dental appointments when everything feels fine seems logical, yet early intervention consistently proves simpler and less invasive than delayed treatment.

Consider how problems typically progress. A small cavity caught early might need just a straightforward filling. Allow that decay to deepen, and you’re looking at root canal treatment or crown work. Similarly, early gum inflammation often responds well to professional cleaning and improved home care, whereas advanced gum disease can affect the bone and ligaments supporting your teeth.

Regular oral health screenings allow problems to be addressed while they remain manageable. Whether you visit a dentist in Upminster or elsewhere, these routine examinations focus on identifying concerns at their most treatable stage.

Advertisement

Understanding NHS and private dental costs

Cost concerns often influence dental decisions, so understanding how dental services work can help with planning.

NHS dental treatment operates through a banded pricing structure. Band 1 covers examinations, preventive advice and basic treatments. Band 2 includes procedures like fillings and root canal work. Band 3 encompasses more complex restorative treatments.

Private dental fees vary between practices and procedures, with treatment plans provided before work begins so you know what to expect. For many people, NHS dental services offer a predictable and accessible route to maintaining oral health.

Building sustainable oral hygiene habits

Effective oral hygiene relies more on consistency than complexity. You don’t need expensive products or elaborate routines, just reliable daily actions that become second nature.

Advertisement

Brushing twice daily with fluoride toothpaste removes the bacterial film that constantly forms on teeth. Cleaning between teeth with floss or interdental brushes reaches areas that toothbrushes miss entirely. These modest daily steps significantly reduce the likelihood of decay and gum problems developing over time.

Why professional cleaning remains essential

Even with meticulous home care, plaque gradually hardens into tartar. Once this calcified deposit forms, it cannot be shifted with regular brushing or flossing. Professional instruments are needed to scale it away safely, which is why dental hygiene appointments remain valuable regardless of how thorough you believe your routine to be.

During a scale and polish, tartar deposits are carefully removed from tooth surfaces, including areas near or slightly below the gum line. The teeth are then polished smooth, making it harder for new plaque to adhere. These appointments also provide an opportunity to review your home care routine and adjust techniques where needed.

How regular care supports long-term value

Think of routine dental visits as reducing the probability of complex treatment later on. Prevention doesn’t eliminate all risk, but it significantly increases the chances that problems are caught and managed early.

Advertisement

If you’re registered with an NHS dentist, preventive care often proves both straightforward and affordable within the banded fee structure.

Early detection makes the difference

Many dental problems develop gradually without obvious symptoms. Enamel changes appear before cavities form, whilst X-rays can reveal decay between teeth or beneath existing fillings. Soft tissue examinations screen for changes that warrant further investigation.

These assessments form part of routine oral health screening, carried out according to current clinical guidelines and tailored to individual risk factors.

Preventing gum disease

Gum disease affects most adults at some stage, but early-stage inflammation often responds well to professional cleaning and improved oral hygiene. Regular removal of the deposits that contribute to gum irritation, combined with effective home care, can prevent progression to more serious stages.

Advertisement

Your dental team will adapt their advice to your particular circumstances, considering medical history and individual risk factors rather than applying generic recommendations.

What to expect from routine appointments

During standard examinations, your dentist checks teeth, gums and soft tissues for signs of decay, disease or other changes. They may take X-rays when clinically appropriate and examine existing restorations for signs of wear or loosening.

Most adults benefit from check-ups every six to twelve months, though individual needs vary. Some people require more frequent monitoring due to higher risk factors, whilst children typically attend every six months as their teeth develop.

Your dentist will recommend a schedule that reflects your specific circumstances rather than following rigid rules.

Advertisement

Accessing affordable dental care

NHS dental services provide essential preventive and restorative treatment at set fees. Certain groups qualify for free NHS dental care, including under-18s, pregnant women and those who’ve given birth within the last twelve months, plus people receiving specific qualifying benefits.

If you’re unsure about eligibility, your dental practice can explain the process and help determine what applies to your situation.

Protecting cosmetic dental investments

If you’ve invested in cosmetic dental treatment, preventive care becomes even more significant. Veneers, crowns and other restorations depend on healthy surrounding tissues for stability and appearance. They require the same ongoing maintenance as natural teeth.

Healthy gums support the aesthetic success of cosmetic work, whilst regular reviews allow monitoring of restorations and minor adjustments when needed. Prevention helps protect what you’ve already invested in, ensuring treatments continue to serve you well.

Advertisement

Preventive care fundamentally concerns stability over reactivity. Small, consistent actions at home, supported by professional oversight, reduce the likelihood of unexpected dental problems whilst safeguarding any existing dental work. In an environment where dental treatment costs continue to rise, prevention offers both practical and financial benefits that compound over time.

Advertisement
Continue Reading

Business

McDonald's boss on abuse claims: 'I don't want to talk about the past'

Published

on

McDonald's boss on abuse claims: 'I don't want to talk about the past'

A BBC investigation in 2023 heard from more than 100 McDonald’s workers in the UK claiming they faced sexual assault, harassment, racism, and bullying

Continue Reading

Business

Stick to defensive and quality themes amid volatile global setup: Mayuresh Joshi

Published

on

Stick to defensive and quality themes amid volatile global setup: Mayuresh Joshi
Indian equity markets have staged a strong rebound of nearly 10% from their March lows on the Nifty, prompting investors to reassess opportunities at current levels. While the broader sentiment has improved, market participants are becoming increasingly selective, focusing on earnings visibility, balance sheet strength, and sectoral tailwinds.

Speaking on ET Now, Mayuresh Joshi, Head Equity, Marketsmith India highlighted that the current phase of the market favors businesses with consistent earnings delivery and structural growth drivers, especially in a mixed global demand environment and evolving input cost dynamics.

“Our own sense is that a few sectors which are showing signs of inherent strength where earnings might probably be a little bit more consistent both in terms of Q4 earnings delivery as well as expectations in terms of the second order effects when it comes to input cost inflation and demand dynamics on Q1 as well, I think power clearly stands out,” Joshi said.

He pointed to the entire power ecosystem as a key area of interest, including generators, transmission companies, and select ancillary players. According to him, the sector benefits from sustained demand visibility and improving structural trends.

Advertisement

At the same time, he maintained a cautious but constructive stance on pharmaceuticals, calling it a defensive pocket in an uncertain environment. “At the same time our own sense is that pharma does become a sort of a defensive bet where earnings probably can remain far more stable compared to the rest of the pack,” he added.


Within financials, Joshi emphasized a very selective approach, particularly favoring mid-cap PSU banks over other segments.
“Very-very selective in terms of BFSI. Within BFSI our own sense is that the midcap PSU banks might actually fare better as we head into the next few quarters both in terms of valuations, the ratings, and rankings that we see at Marketsmith India and expectations in terms of earnings delivery as well,” he noted, adding that banks such as Bank of Maharashtra, Bank of Baroda, Bank of India, and Indian Bank remain on the radar based on their recent performance trends.He also identified niche engineering, manufacturing, and mining companies as potential outperformers in the current cycle.

Among specific stock ideas, Joshi highlighted Sai Life Sciences within the pharma space. “Sai Life Sciences is something that we continue liking. It is a very good CRDMO play. Our own sense is that the kind of clientele that it probably got, the order book that it is sitting on, the gross margins that it probably delivers, and the EBITDA margins as well along with return ratios might actually hold up,” he said.

On the mining and power-linked theme, he pointed to Godawari Power as another key idea. “Mining companies might continue doing well… with clearances probably getting received will mean and will obviously amplify the kind of volume growth that is probably expected,” he said.

He further added that domestic demand drivers such as power consumption and the rising data centre ecosystem are expected to support growth. “In Godawari Power, all these elements probably take place, realisations better than most market realisations, completely backward integrated unit… and therefore from a balance sheet perspective looks extremely strong,” Joshi explained.

Advertisement

Addressing concerns around newer growth areas such as battery energy storage systems (BESS), Joshi acknowledged the capital intensity but downplayed near-term risks to profitability.

“The capex that is probably required for creating and establishing BESS facilities are quite large at this juncture. But it is going to be the need of the hour as we head into the next few years,” he said, adding that investments are likely to be staggered and will not immediately impact return ratios.

On the IT sector, Joshi remained cautious, citing weak commentary and emerging revenue pressure. “The commentaries have been quite muted honestly and therefore we have stayed away from the entire pack to a large extent,” he said.

He highlighted that while global hyperscalers are investing heavily in AI, Indian IT firms are likely to benefit mainly at the application layer. However, he warned of near-term disruption. “It might hold out in terms of numbers as far as constant currency is concerned… but again this disruption is something which will genuinely cause some element of earnings disruption,” he noted.

Advertisement

In contrast, FMCG has shown resilience, with Nestle delivering a strong set of results, including robust revenue and profit growth. “Very strong set of numbers from Nestle… the numbers across were a huge beat and therefore the management commentary is very supportive,” Joshi said.

However, he flagged input cost pressures from milk prices, crude derivatives, and logistics as key monitorable factors going forward, along with monsoon performance impacting rural demand.

While not holding FMCG stocks currently, Joshi said Tata Consumer and CCL Products remain on his watchlist due to their diversified portfolios and global expansion strategies, particularly in coffee products.

Overall, the market narrative continues to shift towards selective stock-picking, with investors focusing on sectors offering structural growth, pricing power, and balance sheet strength amid a still-evolving macroeconomic backdrop.

Advertisement
Continue Reading

Business

McDonald’s UK Launches 2,500 Paid Work Experience Placements to Tackle NEET Crisis

Published

on

McDonald's UK Launches 2,500 Paid Work Experience Placements to Tackle NEET Crisis

With the number of young Britons not in education, employment or training (NEET) closing in on the one million mark, McDonald’s UK has stepped into the breach with what it claims is the largest in-person work experience programme the country has ever seen.

The fast-food giant, one of the UK’s biggest employers of under-25s, today unveiled a nationwide scheme offering 2,500 paid placements in its first year, with a stated ambition to scale the commitment annually. Crucially for a generation increasingly priced out of unpaid internships, every placement will come with a wage attached.

The initiative will be delivered through McDonald’s network of franchisees, the local business owners who run the bulk of its 1,400-plus restaurants, and will be deliberately weighted towards the country’s NEET hotspots. A quarter of all placements have been earmarked for young people who are already NEET or considered at risk of becoming so.

To underpin the launch, McDonald’s has commissioned its first Youth Confidence Index, a piece of research that lays bare the gap between aspiration and opportunity confronting Britain’s under-25s. While 80 per cent of those in education, training or employment believe they have something positive to offer society, that figure plunges to 57 per cent among the NEET cohort. Two-thirds (67 per cent) of young people surveyed said they would jump at the chance to do work experience but cannot find it; almost seven in ten (69 per cent) cited a lack of opportunities locally, while 61 per cent said they simply could not afford to work for free.

It is a familiar picture to anyone who has covered the small business beat over the past decade, a labour market in which entry-level roles have thinned, hospitality and retail vacancies are no longer the rite of passage they once were, and the Bank of Mum and Dad has quietly become a prerequisite for a foot on the career ladder.

Advertisement

Lauren Schultz, chief executive of McDonald’s UK & Ireland, framed the move as both a commercial and civic responsibility. “At McDonald’s, we believe in the potential and ability of young people and want to help them make it,” she said. “With over 100,000 employees under 25 across the UK, we have the reach to make a real difference and are uniquely positioned to open doors at scale. Everything a young person needs to learn about the world of work, from communication to financial skills, can be mastered at McDonald’s.”

The announcement has been welcomed in Whitehall. Pat McFadden, Secretary of State for Work and Pensions, said the scheme demonstrated “what’s possible when Government and business help young people into work”, noting McDonald’s “strong track record” of training. The Rt Hon. Alan Milburn, who chairs the government’s Young People and Work Review, was rather less restrained, branding the NEET crisis “a national outrage with long-term consequences” and calling on other employers to follow suit.

Sector-watchers and academics were similarly supportive. Lee Elliot Major OBE, professor of social mobility at the University of Exeter, said: “We don’t have a shortage of talent in this country, we have a shortage of opportunity. By offering paid work experience at scale, McDonald’s is showing how businesses can boost social mobility and productivity, potentially transforming the life chances of thousands of young people.”

Haroon Chowdry, chief executive of the Centre for Young Lives, said the data was unambiguous. “Young people want to work. They have hopes and ambition, but what they often lack are opportunity and support. Every young NEET is a person who has been let down by the system.”

Advertisement

For the participants themselves, all aged 16 or over, the offer is a five-day, hands-on placement covering the core mechanics of running a restaurant, from inventory checks and drive-thru operations to customer service, all under the supervision of seasoned crew. Tucked alongside the practical experience are sessions on interview technique and time management, the soft-skills currency that small and medium-sized employers across the country routinely complain is missing from CVs.

The programme builds on a body of work that pre-dates the current NEET emergency by some margin. McDonald’s UK & Ireland’s apprenticeship scheme has supported more than 22,000 people in earning degrees since 2006, while community initiatives such as Fun Football and Taste for Work, the latter of which has reached more than 210,000 youngsters, have long formed part of the company’s social investment. Today’s announcement also sees the chain partnering with two of the country’s more influential think tanks. The Centre for Young Lives is publishing a fresh report, Turning the Tide on Rising NEETs, setting out evidence-based policy recommendations, while the Institute for Public Policy Research (IPPR) is embarking on a two-year research programme, State of a Generation.

For a government that has staked political capital on its Youth Guarantee, a pledge to get every young person earning or learning, the McDonald’s intervention is timely. Whether other large employers can be persuaded to write similarly sizeable cheques remains the open question. As Milburn put it, this is the “kind of leadership employers need to demonstrate if we’re serious about giving every young person a fair start.”

For SME owners watching from the sidelines, the message is harder to ignore. The talent is there. So is the appetite. What has been missing, until now, is a door wide enough to let them through.

Advertisement

Amy Ingham

Amy is a newly qualified journalist specialising in business journalism at Business Matters with responsibility for news content for what is now the UK’s largest print and online source of current business news.

Advertisement
Continue Reading

Business

Aussie shares fall as war dims hopes for US rate cuts

Published

on

Aussie shares fall as war dims hopes for US rate cuts

The local share market has suffered its worst loss in more than a month on fears the Middle East conflict could delay US interest rate cuts.

Continue Reading

Trending

Copyright © 2025