News

Donald Trump has threatened European Union member states with punitive tariffs if they fail to purchase more American oil and gas, reviving the prospect of a renewed transatlantic trade war.

On Friday, the president-elect declared on social media: “I told the European Union that they must make up their tremendous deficit with the United States by the large scale purchase of our oil and gas. Otherwise, it is TARIFFS all the way!!!”

The warning comes as Mr Trump insists the EU reduce its trade surplus with the US, which stood at $131 billion (£105 billion) last year. He is expected to press for a more balanced trade relationship, wielding the threat of tariffs on European exports unless the EU buys more American goods and services.

The stance could pose a delicate challenge for Britain, with the incoming US ambassador Lord Mandelson likely to devote considerable diplomatic effort to staving off a full-blown trade conflict while trying to keep both the EU and the US in accord.

Mr Trump’s tough rhetoric recalls his previous presidency, when he imposed tariffs on EU steel and aluminium and threatened further duties on German car imports. That period sparked a flurry of transatlantic tensions, countermeasures by the EU on products like Harley-Davidson motorcycles and denim, and a temporary truce in 2018.

This latest escalation signals a potential return to tit-for-tat tariffs. After being caught off guard before, EU officials have since refined their trade defence capabilities to respond more swiftly to US pressure, should it arise. In November, German Foreign Minister Annalena Baerbock noted that Europe is “well-prepared” for a scenario where Washington revives its “America first” policies, vowing a unified European response.

The EU has also introduced rules enabling it to exclude foreign firms benefiting from state subsidies from tendering for public contracts or pursuing takeovers within the bloc—an insurance policy against what it views as unfair competition.

Mr Trump has frequently criticised European nations for relying on the US security umbrella while spending too little on their own defence, and has accused them of exploiting America’s economic generosity through substantial trade surpluses. Brussels, the EU’s political heart, has been called a “hellhole” by the president-elect, who has threatened to stand back and let Russia “do whatever the hell they want” should Nato countries fail to invest adequately in their militaries.

These latest tariff threats are not solely aimed at the EU. Mr Trump has also targeted China and close allies like Canada, which he has jokingly described as “another US state.” In a move to hedge against these threats, some LNG (liquefied natural gas) buyers, including EU member states and Vietnam, have already discussed increasing their purchases from the US.

The US remains the world’s largest crude oil producer and top exporter of LNG. More than half of American LNG exports went to Europe last year, though the EU has sought energy supply diversification, signing agreements with other producers such as Qatar. The urgency for alternatives heightened after Russia’s invasion of Ukraine exposed the EU’s vulnerability due to its previous reliance on Russian energy.

Given Mr Trump’s known enthusiasm for the word “tariff,” long viewed by him as a key strategic tool, European governments may now find themselves caught between diplomatic negotiations and the threat of sudden trade penalties. This climate of uncertainty raises the stakes for EU leaders, who must balance the need to secure stable energy supplies with the imperative to maintain cordial trading relationships with Washington.

Read more:
Trump issues fresh trade threat: buy american oil or face heavy tariffs, eu told

The UK economy is likely to see no growth in the aftermath of the Chancellor’s Budget, the Bank of England has warned, as businesses respond to record tax measures by increasing prices and reducing staffing levels.

Policymakers now anticipate the economy will flatline in the final quarter of 2024, a notable downgrade from their previous forecast of 0.3% growth. This comes after figures showed output shrinking in October, prompting concerns that a recession may be on the horizon.

Although the Bank’s Monetary Policy Committee (MPC) voted on Thursday to maintain interest rates at 4.75%, Governor Andrew Bailey indicated that the path ahead remains uncertain. He stressed that the Bank is not in a position to commit to future rate cuts just yet, given the lingering uncertainties following the Chancellor’s maiden Budget.

Analysts have cautioned that households and businesses could face further cost pressures into 2025, leading to a challenging combination of subdued growth and persistent inflation.

A Bank of England survey suggests that a growing proportion of households now expect stagnant economic conditions to become the norm. “There was a common view that the UK was moving from a cost-of-living crisis to a prolonged period of higher costs and lower living standards,” the report noted.

Firms appear to be responding to the Chancellor’s decision to raise employers’ National Insurance contributions by £25bn with moves that could keep inflation higher for longer. Many are choosing to push up prices rather than cut wages, while also scaling back on recruitment and working hours.

The Prime Minister acknowledged that improving living standards “will take some time” and “won’t be fixed by Christmas.” Meanwhile, the Chancellor stood by the Government’s commitments and insisted that low-income families are already feeling the benefit of recent measures.

However, the Bank’s survey painted a more cautious picture. Some households felt that official commentary on economic stabilisation and inflation nearing 2% did not match their lived experience, with many saying their day-to-day costs remain high.

The Bank of England added that the increase in National Insurance is “weighing heavily on sentiment” among businesses, dampening their optimism about the speed and scale of any potential recovery. Consumers’ concerns have also extended to the property market, where the Bank observed that buyers are increasingly reluctant to make major financial commitments amid the current economic climate.

Economists at Citi suggested that several factors, including planned price increases next year, could keep inflation levels stubbornly high. HSBC analysts said the outlook has left investors seeing the UK as drifting towards stagflation, potentially justifying higher interest rates even if growth slows and unemployment rises.

Minutes from the MPC’s latest meeting revealed differing views among policymakers about the Budget’s long-term impact on economic growth. Three of the nine members favoured an immediate cut in interest rates, but the majority, including Governor Bailey, voiced concern that inflationary pressures remain too uncertain to allow a quick shift in policy.

Market expectations currently lean towards a possible rate cut in February, but Mr Bailey made clear that any move to reduce borrowing costs would be gradual. “We must ensure we meet the 2% inflation target on a sustained basis,” he said, adding that the Bank remains cautious given the heightened level of uncertainty.

Businesses themselves expressed surprise at the extent of the National Insurance rise, particularly the reduction in the threshold at which employers begin to pay. Many anticipate that this will push up total labour costs, especially in sectors reliant on part-time or lower-paid staff.

In response, some firms are considering investment in automation or even moving operations abroad, as they seek to mitigate the impact of rising costs and maintain competitiveness in an increasingly challenging environment.

Read more:
Budget ‘weighing on growth’, warns Bank of England

Sir Keir Starmer is set to appoint Lord Mandelson as the UK’s next ambassador to the United States, marking the first political appointment to the role in nearly half a century.

The Prime Minister believes that Mandelson’s background in trade and extensive network of contacts will bolster Britain’s position in what promises to be a delicate period for UK-US relations.

Donald Trump, the incoming US President, has threatened to impose blanket tariffs on foreign imports, raising concerns about potential challenges for Britain. His allies have warned that the UK may have to choose between a deal with the US and one with the “socialist” European Union. Sir Keir, however, has dismissed the notion that a binary choice must be made.

Lord Mandelson, a seasoned Labour figure and close ally of Morgan McSweeney, Starmer’s chief of staff, has been backed by David Lammy, the Foreign Secretary. Mandelson was seen at the Foreign Office last week. His appointment represents an extraordinary political comeback, as he last held government office 14 years ago during Gordon Brown’s premiership. He was previously Business Secretary and effectively acted as deputy prime minister, and also served as the EU’s Trade Commissioner under Tony Blair—a role that played a key part in securing this new Washington post.

One source described the decision as evidence of how seriously Starmer takes relations with the US, and noted that Mandelson is a “significant figure in his own right.”

Dame Karen Pierce, the current ambassador, will remain in her post until the end of January, when President-elect Trump is inaugurated. Dame Karen, who has built extensive Republican contacts, helped secure a dinner meeting between Trump, Starmer, and Lammy in November.

Mandelson’s selection follows intense speculation about who would take the role. David Miliband, Baroness Amos, and Baroness Ashton of Upholland were all considered strong contenders.

Sir Keir is keen to strengthen ties with the Trump administration. Earlier this month, McSweeney met with Susie Wiles, a key strategist behind Trump’s re-election campaign, in the US. Although Trump and Starmer differ politically, the US president-elect has praised the UK leader as a “very nice guy” who was “very popular” ahead of the election.

Despite such cordial words, tensions remain. During the campaign, Trump accused Labour of election interference after the party’s head of operations revealed that 100 current and former staffers were helping Kamala Harris, then the Democratic nominee, on LinkedIn.

Mandelson has previously stressed the importance of steering a careful path between the EU and the US if Trump follows through on his threat to impose blanket tariffs on imported goods. “We must find a way to have our cake and eat it,” he told The Times’s How to Win an Election podcast, emphasising that Britain must avoid being forced into an either/or choice between the two trading blocs.

Trump has suggested tariffs of up to 20 per cent on all imports, with even steeper levies of 60 per cent on goods from China. The National Institute of Economic and Social Research has calculated that such measures would halve UK GDP growth, creating a £21.5 billion hole in Rachel Reeves’s tax and spending plans, and push inflation up by 3 to 4 percentage points.

Mandelson maintains that Britain cannot abandon its transatlantic ties, nor can it walk away from the EU’s enormous market. However, he cautioned against reverting to outdated notions of free trade agreements, arguing that future deals must focus on modern aspects of commerce: “We’ve got to look forwards to a more 21st-century set of trading arrangements, which are more to do with clicks and portals than goods and mortar,” he said.

In the event Trump presses ahead with tariffs, the EU is expected to respond with its own retaliatory measures on US exports such as bourbon whiskey, Levi’s jeans, and Harley-Davidson motorcycles. Though UK officials have contingency plans, ministers are wary of a protectionist stance that might provoke a more severe US response. They also suspect the new president may water down his tariff threats to avoid stoking inflation at home, likely targeting only specific sectors—such as steel, aluminium, technology, and automotive—rather than applying broad-based tariffs.

It is notable that two thirds of the UK’s £188 billion of annual exports to the US are in services rather than goods, giving Britain a degree of resilience against potential trade turbulence.

By entrusting the ambassadorship to Mandelson, Starmer is sending a clear signal that the UK aims to navigate these uncertain waters with diplomatic skill, informed expertise, and the hope of balancing the country’s global interests.

Read more:
Mandelson chosen by Starmer as UK ambassador to US

At a time when much of the conversation around artificial intelligence (AI) centres on potential job losses, one sector stands poised to harness this technology for good: careers advice.

Far from making advisers obsolete, AI could help them provide more personalised, timely, and cost-effective support, ensuring more young people and unemployed adults find fulfilling futures.

The UK’s careers advice landscape has been under considerable strain. Investment has plummeted, with spending on school pupils’ career development falling from £159 per pupil in 2009 to just £68 today, according to the Gatsby Foundation. For adults, the drop is nearly one third, from £35 to £26. Yet quality guidance remains a crucial factor in achieving long-term employment success. Evidence from the Investing in Careers report shows that for every £1 spent on careers support, there’s an average return of £2.50 in schools and £3.20 for unemployed adults.

This glaring resource gap points to the need for innovation. Enter AI: a powerful tool that could streamline everything from exploring career pathways to polishing CVs and honing interview techniques. By leveraging advanced machine learning, advisers can rapidly identify transferable skills, highlight growth industries, and adapt to shifting job markets. Indeed, LinkedIn predicts that by 2030, the skills required for jobs worldwide will have changed by at least 65%, making it ever more urgent that the UK’s careers services modernise to remain competitive.

Dr Deirdre Hughes OBE, author of the new report Careers 2035, sees a transformative role for AI in the sector. “Access to equitable AI-enhanced resources can help ensure that all individuals can benefit,” she says. “The future of career guidance must not only embrace innovation but champion the breaking down of barriers, ensuring that no one is left behind.”

Embracing AI isn’t about removing the human element, but rather enhancing it. Careers advisers play an essential role: personal contact and empathy are irreplaceable, as is the nuanced understanding they bring to each individual’s circumstances. However, by harnessing AI tools, advisers can make more efficient use of their limited time, potentially supporting a greater number of people and tailoring guidance more precisely to individual needs.

Chris Glennie, chief executive of Morrisby, one of the UK’s most respected career guidance platforms, is adamant that advisers remain central to the process. He acknowledges the challenges they face: recent studies indicate that 21% of advisers plan to leave the profession within two years, and average pay for careers staff stands at about £28,000, often lower than entry-level teachers or jobcentre coaches, despite requiring equivalent levels of expertise and qualifications.

“While career development professionals feel proud of their work, they don’t always feel it is valued,” Glennie notes. Yet he sees AI as offering fresh opportunities for meaningful involvement. Advisers could shape the way these technologies develop—by advising on best practices, auditing AI-generated content, and collaborating with software developers to refine their accuracy and relevance. AI can become a trusted ally, rather than a disruptive influence.

For schools, the introduction of AI could bring about a quiet revolution. Many secondary schools and colleges are obliged to offer careers guidance from Year 7 to Year 13, but recent data from the Careers & Enterprise Company shows that 11% of students still miss out on a one-to-one chat with a qualified adviser by the end of Year 11. AI-driven tools could help fill such gaps. They could provide initial insights—helping students pinpoint interests, strengths, and potential career paths—before handing over to a human adviser for deeper conversation. By handling initial fact-finding and routine queries, these systems free up staff to focus on more in-depth, personalised support.

Tom Ravenscroft, founder of the Skills Builder Partnership (a group that supports educational institutions in preparing young people for future workplace demands), points out that AI can also aid careers professionals to stay abreast of rapidly changing job landscapes. “Given how quickly career routes and technical courses are evolving, ensuring advisers and young people have flexible, up-to-date information is vital,” he says. AI systems that continuously update guidance based on emerging trends, newly created job roles, or shifts in industry demand can give advisers and their clients an edge.

Adopting AI-backed careers advice isn’t a silver bullet, of course. Funding challenges must still be addressed, and the government needs to recognise the immense social and economic value of skilled advisers. But AI could be the catalyst that lifts career guidance out of its current funding shortfall and into a more dynamic, accessible space. By doing so, it might not only secure the UK’s position in a fiercely competitive global marketplace, but also ensure countless individuals find more rewarding, sustainable career paths.

What’s clear is that with the right approach—and a willingness to blend human expertise with technological innovation—the UK’s careers advice sector could be on the cusp of a new era, one in which everyone, regardless of background or circumstance, can look to the future with greater hope and clarity.

Read more:
AI could be set to revolutionise the UK’s careers advice sector

Lenders in the motor finance market have been granted additional time to address a looming surge in complaints, as the City regulator moves to widen the scope of claims and include leasing agreements.

The Financial Conduct Authority (FCA) has set a new deadline of December 4, 2025 for lenders to respond to customer grievances relating to both discretionary and non-discretionary commission arrangements. Importantly, the complaints process now covers not just traditional car finance credit agreements but also car leasing deals.

This move by the FCA follows a pivotal Court of Appeal decision in October. The court ruled that car dealers receiving commission from lenders without the customer’s informed consent was unlawful, expanding the potential scope of claims for compensation. Previously, the focus had been on discretionary commissions linked to interest rates on finance agreements—a practice that was banned in 2021. Now, the issue may affect all loan commissions that were not properly disclosed, magnifying the industry’s exposure to redress claims.

According to the FCA, the Court of Appeal’s ruling does not directly cover leasing, but the regulator has decided to include such agreements in the complaints process to ensure that consumers using similar products have consistent protection and redress. “Consumers also use leasing to access motor vehicles and it is important that consumers using similar products for similar purposes are treated in the same way,” the FCA said in a statement.

The FCA had already signalled in January that it was investigating the practice of discretionary commission arrangements in motor finance. Such arrangements allowed dealers to earn commissions based on the interest rate they charged customers, potentially leading to higher borrowing costs. These deals were banned from 2021, but legacy loans made before that date remain under scrutiny.

From 2007 until the end of 2020, about 14.6 million car finance agreements included these discretionary commissions, the FCA notes. The more recent legal ruling broadens the scope beyond these arrangements, potentially adding up to 11.3 million additional loans into the pool of claims. Customers who were charged undisclosed commissions may now be entitled to compensation.

This expanded liability could prove costly. The credit rating agency Moody’s has previously estimated that if the Court of Appeal’s ruling is upheld, redress costs could total as much as £30 billion. Although a Supreme Court appeal on the matter is pending, the FCA expects a substantial rise in complaints regardless. Such a figure would bring the motor finance case closer in scale to the notorious payment protection insurance (PPI) scandal, which ultimately cost UK financial institutions around £50 billion in compensation.

While major banks like Lloyds, Barclays, and Santander UK may have the balance sheet strength to absorb these potential costs, smaller and more specialised lenders face tougher prospects. Moody’s warns that mid-sized finance providers, including Close Brothers, Aldermore, Investec, and captive finance arms of car manufacturers like Ford and Volkswagen, could face “a more significant hit to earnings and capitalisation.”

The FCA’s move to broaden the complaints process and provide lenders with a December 2025 response deadline is intended to ensure that consumers have a consistent and straightforward path to redress, while giving the industry time to adjust. As the sector braces for a wave of claims, all eyes will be on the Supreme Court’s decision and any further clarifications from regulators on how best to manage this potentially costly new chapter in car finance redress.

Read more:
Car finance complaints widened to cover leasing deals, giving lenders more time to respond

UK car manufacturing fell sharply in November, plunging nearly a third compared to the same month last year and reaching its lowest November output since 1980.

According to new figures from the Society of Motor Manufacturers and Traders (SMMT), just 64,216 cars rolled off production lines—27,711 fewer than in November 2023—marking the ninth consecutive monthly decline.

Of those produced, fewer than a third (19,165) were battery electric or hybrid vehicles, a segment that itself recorded a 45.5% year-on-year slump. The overall performance harks back to the era of industrial unrest and Ford dominance in the early 1980s, when Britain’s top sellers included the Escort Mk3, Sierra, and Cortina, and production last dipped this low for November.

These figures come at a time of significant upheaval in the UK automotive sector. Mike Hawes, chief executive of the SMMT, acknowledged the scale of change: “A decline was to be expected given the extensive transformations under way at many plants, but manufacturers are facing pressures both at home and abroad. Billions of pounds are being poured into new technologies, models, and production tooling, but the challenges are formidable.”

The data also underscore uneven demand. Output for the domestic market more than halved last month, while export-oriented production shrank by 21.3%. The year-to-date total now sits at about 734,500 cars, a reduction of 108,790 compared to the same point in 2023 and only about half of 2019 volumes.

This sobering backdrop is further complicated by policy decisions. Stellantis, the parent company of Vauxhall, recently announced plans to close its van-making plant in Luton, putting up to 1,100 jobs at risk. Stellantis pinned part of the blame on stringent new UK rules requiring manufacturers to hit annual zero-emission vehicle (ZEV) sales targets or face hefty fines.

Jonathan Reynolds, the business secretary, has acknowledged industry concerns and pledged to review the ZEV mandate. The government’s response, expected in January, is keenly awaited.

The SMMT believes that immediate and decisive action is now critical. “With the domestic EV market not growing as quickly as anticipated, the UK government must respond swiftly,” the organisation said. “Introducing incentives for private consumers, accelerating the rollout of charging infrastructure, and fast-tracking a coherent industrial and trade strategy are all vital steps. Most urgently, it must publish the consultation on adjustments to the ZEV mandate. Connecting a thriving local market with robust local production is essential for the sector’s revival.”

As manufacturers grapple with a complex mix of evolving technology, shifting consumer behaviour, and policy uncertainty, November’s numbers serve as a reminder of the turbulence reshaping the UK’s once-stalwart automotive industry.

Read more:
UK car production slumps to lowest November level since 1980

If you have been wearing glasses for a long time to correct your vision, they have likely become a normal part of your life. Have ever sat down to think if there is a safer ansd convenient option?

To be specific, if you are an active person and using glasses, you must have been struggling a lot because glasses can really limit the activities to do. You can release yourself from these stresses by considering laser eye surgery.

How Laser Eye Surgery Works

It is a safe eye surgery and works well if undertaken by a qualified professional. Don’t be afraid of taking the step to better and brighter vision because you have doubts. The surgeon works on the cornea of your eye to create a flap that will improve your vision.

The surgeon uses an excimer laser to remove the cornea tissue and to change the shape and curvature of cornea. This in turn changes the focus of the eye, improving on your vision. Laser eye surgery is a permanent eye solution that is non-invasive, safe. It also causes minimal discomfort and allows rapid visual recovery.

Why Consider Laser Eye Surgery?

It is the best eye treatment option if you want to live a spectacle free life and you are of legal age. You should also not be too old as it is not favorable for people beyond 45 years. You should consider laser eye surgery you have problems in seeing things at a distance or too close. You may also want to solve the problem of using glasses which can limit what you do. The best thing about this surgery is giving you long lasting and reliable solution.

Laser eye surgery is the best option for those who want to get rid of eyewear prescription and enjoy doing limitless activities without worrying. With glasses or contact lenses, there are some activities you might not enjoy because of discomfort and irritation including dirt biking, snorkeling, or scuba diving. After laser eye surgery, you can enjoy a range of sport activities and outdoor hobbies freely. LASIK also makes it possible for you to enjoy hassle-free travel without worrying what will happen if your glasses break or the risk of getting infection when changing contact lenses during the trip.

Laser Eye Surgery Aftercare

Although the procedure offers speedy recovery, you need proper care after the surgery in order to achieve the best results. You should get a clear protective shield immediately after the surgery to help you avoid rubbing your eyes. Follow the doctor’s prescription carefully and don’t skip any medication. During the first days, avoid intense sporting, use protective glasses, get plenty of rest and be careful when showering.

In conclusion, laser eye surgery is the right choice for someone tired of using glasses or contact lenses. With the advanced technology in the field, the surgery corrects your eye problem and gives you back your normal life. The good thing is that the procedure only takes few minutes to complete and one gets to recover within a few days. It allows you to enjoy your life and engaging in a wide range of activities than when using glasses or contact lenses.

Read more:
Laser Eye Surgery- Life without Contact Lenses and Glasses

Michelle Kam is a visionary business leader and one of Toronto’s most respected figures in real estate.

As the founder and driving force behind Re/Max City Accord Realty Inc., Michelle has built a reputation for her innovative strategies, ethical practices, and client-focused approach. With years of industry expertise, she has successfully navigated Toronto’s dynamic market, as one of Toronto’s most respected figures in real estate specializing in matching clients with neighborhoods that reflect their lifestyles. Michelle is passionate about sustainability, community development, and fostering long-term client relationships. Her leadership has not only elevated her brokerage but has also set a benchmark for excellence and integrity in the real estate industry.

What inspired you to pursue a career in real estate?

Growing up in Toronto, I was always fascinated by the city’s diversity and the unique character of its neighborhoods. Each area told a story, and I found myself drawn to architecture and urban planning from a young age. I studied urban planning at York University, which deepened my understanding of how cities evolve and how communities grow. Real estate felt like the perfect intersection of my passions for design, community, and helping people. It wasn’t just about properties for me; it was about finding ways to connect people with spaces that suited their lives and dreams.

How did you get your start in the real estate industry?

I began my career working under some of Toronto’s top real estate firms. It was a learning experience like no other. I gained invaluable insights into market trends, client relations, and the art of negotiation. Those early years were about building a foundation—understanding the intricacies of the industry and learning how to adapt in a competitive market. I started by working on smaller residential properties, but as my network and confidence grew, I moved on to larger projects and higher-value transactions. Every client interaction taught me something new about the importance of trust and listening, which became the cornerstone of my approach.

What motivated you to establish your own brokerage, Re/Max City Accord Realty Inc.?

Launching my own brokerage was a dream I had for many years, but it took time to feel ready. Working for established firms was invaluable, but I realized I wanted to create something that reflected my values—integrity, sustainability, and a truly client-focused approach. There were gaps in the market that I felt I could address, particularly in creating a more holistic experience for buyers and sellers. Starting Re/Max City Accord Realty Inc. was a leap of faith, but I believed in my vision. I wanted to build a team that shared my commitment to excellence and a brand that resonated with both clients and the community.

What challenges did you face when starting your own brokerage, and how did you overcome them?

Starting a brokerage in a competitive market like Toronto came with its fair share of challenges. The biggest hurdle was establishing a unique identity in an industry full of seasoned players. I focused on building a reputation for transparency and ethical practices, which helped set us apart. It was also crucial to recruit the right team—people who shared my vision and brought their own strengths to the table. Financially, it required careful planning and a willingness to take calculated risks. There were moments of doubt, but staying true to my values and focusing on the long-term goals helped me push through.

How has the real estate market changed since you began your career?

The market has evolved tremendously, especially in Toronto. When I started, the city was growing, but the pace of development and the demand for housing weren’t what they are today. Affordability has become a major issue, and the industry has had to adapt to meet the needs of a diverse population. Technology has also revolutionized how we do business, from virtual tours to data analytics for market trends. Sustainability has grown in importance too—buyers now care deeply about energy efficiency and eco-friendly features. It’s exciting to see how much the industry has progressed, but it also challenges us to stay ahead of the curve.

What do you think sets you apart as a leader in the real estate business?

I believe it’s my ability to connect with people and understand their needs. Real estate is a deeply personal experience for clients, and I take that responsibility seriously. I’m also very detail-oriented and proactive, which helps me anticipate challenges and create tailored solutions. Another key factor is my focus on sustainability and community engagement. For me, it’s not just about closing deals; it’s about contributing to the city I love and ensuring that we’re building a future that benefits everyone.

Can you share a proud moment from your career?

One of my proudest moments was helping a young family purchase their first home after months of searching. It wasn’t just about finding them a house—it was about finding a place where they could build their lives and feel part of a community. Seeing their excitement and knowing I played a role in such a significant milestone was incredibly fulfilling. On a professional level, establishing Re/Max City Accord Realty Inc. and watching it grow into a trusted name in Toronto’s real estate market has been equally rewarding.

What advice would you give to someone just starting in real estate?

Be prepared to work hard and stay patient. Real estate is not an overnight success story; it takes time to build your network and reputation. Focus on building genuine relationships with clients and always prioritize their best interests. Stay curious and never stop learning—whether it’s about market trends, negotiation strategies, or new technologies. And most importantly, stay true to your values. Integrity and trust are the foundation of a successful career in real estate.

What do you see as the future of Toronto’s real estate market?

Toronto will continue to grow, and with that growth will come both opportunities and challenges. Affordability will remain a critical issue, and I believe we’ll see more innovative housing solutions, such as mixed-use developments and sustainable building practices. Technology will also play an even bigger role in how we buy, sell, and manage properties. Overall, the future is bright, but it will require collaboration between policymakers, developers, and real estate professionals to ensure that growth benefits everyone.

What keeps you motivated in such a demanding industry?

The people. Every client has a unique story, and being part of their journey is incredibly rewarding. Whether it’s helping a first-time buyer navigate the market or finding the perfect property for a seasoned investor, it’s the relationships I build that keep me passionate about what I do. I’m also motivated by the opportunity to make a positive impact—both in my clients’ lives and in the city I call home.

Read more:
Michelle Kam’s Blueprint for Real Estate Success

Gaming doesn’t have to cost a fortune. With the right approach, you can build a gaming PC that delivers solid performance while staying within a budget.

Whether you’re a casual player or aiming to climb the competitive ladder, this guide will walk you through building a cheap gaming PC in the UK, tailored to your needs and your wallet.

1. Set a Clear Budget

Decide how much you’re willing to spend. For UK gamers, a budget build can start around £500–£600, while a mid-range option may range between £700–£900. Knowing your budget will help you allocate funds wisely across the components.

2. Essential Components for Your Build

Here’s a detailed breakdown of what you’ll need and where you can find the best value:

CPU (Processor): For affordable yet reliable performance, consider AMD Ryzen 5 5600G (£120–£150) or Intel Core i3-13100F (£100–£130). Both offer great performance for their price.
GPU (Graphics Card): For 1080p gaming, the NVIDIA GTX 1650 (£150–£180) or AMD RX 6500 XT (£160–£200) are excellent choices. If your budget allows, the RTX 3050 (£230–£270) or RX 6600 (£240–£280) provide more power.
RAM: 16GB (2x8GB) DDR4 RAM is the standard for gaming. Look for speeds of at least 3200MHz, starting around £40–£60.
Storage: A 500GB NVMe SSD (£25–£35) for fast load times, paired with a 1TB HDD (£30–£40) for additional storage, is ideal. Alternatively, a single 1TB SSD (£50–£60) can suffice if you’re prioritising speed.
Motherboard: Choose a budget-friendly B550 (AMD) or B660 (Intel) motherboard. These are available for £80–£120 and support future upgrades.
Power Supply Unit (PSU): A 500W-600W PSU from brands like Vibox, Corsair or EVGA (£40–£60) ensures stable power delivery.
Case: A mid-tower case with good airflow can cost as little as £40. Look for brands like Cooler Master or Vibox for affordable options with added features like RGB lighting.

3. Where to Shop for Deals

Retailers: Popular retailers in the UK like Vibox, Amazon, Currys, and Scan often run deals, especially during Black Friday or Boxing Day sales.
Second-hand Market: Sites like eBay or Facebook Marketplace can offer great deals on used parts. Check CEX for GPUs with warranties.
Bundles and Promotions: Keep an eye on retailers offering combo deals on CPUs, motherboards, and RAM.

4. Don’t Forget Peripherals

Building a PC doesn’t include peripherals like a monitor, keyboard, or mouse. Budget options are available for:

Monitors: A 1080p 75Hz monitor can be found for £90–£120.
Keyboard & Mouse: Gaming combos start from £30.
Headsets: Decent gaming headsets begin at £25.

5. Assemble Your PC

Assembling a gaming PC is easier than you might think. Use online guides and videos to walk you through the process. Remember to ground yourself to avoid static damage and ensure components are securely installed.

6. Plan for Upgrades

A budget PC is an excellent starting point, but plan for upgrades like adding more RAM, a better GPU, or a higher refresh rate monitor as you save up.

7. Make Use of Free Software

Save money by using free or open-source software. For example, Windows 10 can be used without activation until you can afford a license key, and free antivirus programs like Avast or AVG can provide sufficient protection.

8. Use Cloud Gaming to Supplement Performance

If you’re saving for higher-end upgrades, consider cloud gaming services like NVIDIA GeForce NOW or Xbox Cloud Gaming. These services let you play demanding games on a budget system by offloading processing to the cloud. Subscriptions typically cost around £8–£15 per month, offering access to high-quality gaming without needing a powerful PC.

9. Check for Warranty and Return Policies

Always verify warranty terms and return policies when purchasing components. Many UK retailers and brands offer warranties ranging from 1 to 3 years. This is particularly important for parts like GPUs and PSUs, as they’re more expensive to replace. Having a warranty gives you peace of mind in case of defective parts.

8. Test and Optimise

Once your PC is running, test its performance with tools like Cinebench and 3DMark. Adjust game settings to find the perfect balance between quality and frame rate for a smooth gaming experience.

Conclusion

Building a budget gaming PC in the UK is entirely possible without compromising on performance. By making smart choices and taking advantage of deals, you can assemble a system that delivers exceptional gaming experiences for less. If you prefer a more customised build or need extra guidance, try using a PC builder tool like Vibox to streamline the process and ensure compatibility. Ready to start your build? Dive into the rewarding world of PC gaming today!

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Building a Budget Gaming PC in 2025: The Ultimate Guide for UK Gamers

Mixed martial arts (MMA) demands high agility, durability, and comfort from athletes and their gear. A pair of high-quality shorts is one of the most essential equipment for MMA fighters.

Among the industry leaders in performance gear, Hayabusa stands out for its exceptional MMA Shorts. Designed with fighters in mind, Hayabusa MMA shorts are renowned for their durability, comfort, and innovative design.

Why Choose Hayabusa MMA Shorts?

Hayabusa MMA shorts are made of modern fabrics combined with a well-thought-out design and finishing touches. They serve the specific needs of an MMA fighter, preparing them for training, conditioning, and fighting. Here are the top reasons why Hayabusa MMA shorts are the best choice for fighters:

 Unparalleled Durability

MMA Hayabusa shorts are designed from high-quality, durable material that does not tear easily, as inspired by fight training. If you are grappling, kicking, or sparring, the shorts remain unscathed and assure the fighters that they will give their best without considering whether their clothing will withstand the rigours of training.

 Optimal Comfort and Flexibility

Fluidity is vital in applying a technique in MMA, whether it’s a single high kick or mere ground grappling. Hayabusa shorts come in a four-way fabricated stretch, allowing complete movements. This means that fighters can step easily through a particular plane, fostering performance besides comfort.

 Innovative Closure Systems

Each closure system in Hayabusa MMA shorts is designed for safety from slipping and for easy manipulation regarding size. So, a hook-and-loop mechanism and drawstring provide a tight, adjustable fit that will not shift during intense use. This does away with this kind of interruption so fighters can train or fight.

 Breathable and Lightweight Design

Hayabusa shorts are designed and made simple and extremely light as they are made of material that is good for moisture reduction and helps the fighter sweat less. This feature is helpful when the duration of training is long or matches are hot, and it helps to minimize sweating and stop it from being uncomfortable.

Key Features of Hayabusa MMA Shorts

Hayabusa has loaded MMA shorts with numerous details and parts to benefit only fighters. Some of their standout attributes include:

Reinforced Stitching

When it comes to the construction of its shorts, Hayabusa utilizes reinforced stitching so that they will not rip apart when grappling and striking exercises are performed. These attributes make them suitable for fighters who engage in rigorous training regiments.

Additional barbers: Side Slits for Increased Mobility

The design followed includes side slits that provide flexibility to fighters and allow easy movements of high kicks and lateral movement patterns.

Antimicrobial Properties

Hayabusa claims that its shorts use antimicrobial technology to combat smell and bacteria. This feature enables the fighter to be fresh and well-perfumed most of the time during training.

Popular Hayabusa MMA Shorts

Hayabusa has MMA shorts in its line of sportswear equipment, and each one of them has been designed to suit the individual needs of the fighters. Here are some of their top-performing models:

 Hayabusa Hexagon MMA Shorts

The Hexagon MMA Shorts are some of the best MMA gloves. They are attractive and have a hexagon pattern design. They are manufactured from super light and highly resistant material with additional stitching, which will help them handle heavy workloads both in training and in competitions.

 Hayabusa Falcon Performance Shorts

The Falcon Performance Shorts are designed for an unrestricted range of motion. The cut of their designs – slender and fitting snugly to a fighter’s body; the side slits and the use of quick-drying materials make them a preferable choice for those athletes who consider the ability to move quickly and effortlessly a requirement.

 Hayabusa Geo Vale Tudo Shorts

The Geo Vale Tudo Shorts are worn for compression and are best for grappling and groundwork. These shorts create a second skin effect, giving extra muscle support and excluding interference during training or sessions.

Trusted by Fighters Worldwide

Hayabusa MMA shorts are preferred by both amateur and professional fighters worldwide. Their dedication to quality and innovation has earned them a place in the gear of some of the most famous MMA fighters.

Ideal for Training and Competition

Whether preparing for a professional fight, working on your grappling skills, or simply training to stay fit, Hayabusa MMA shorts deliver unmatched performance. This guarantees that they can be used in different forms of combat martial arts, such as Brazilian Jiu-Jitsu, kickboxing, and Muay Thai.

Conclusion

Regarding MMA gear, Hayabusa is one of the premium brands in terms of quality, innovation, and performance.  Hayabusa MMA Shorts are created to respond to fighters’ needs, providing exceptional wear resistance, comfort, and freedom of movement. Made of high-quality material, designed with comfort in mind, and packed with features that a fighter would appreciate, Hayabusa MMA shorts are a perfect fit for any combat athlete.

Investing in Hayabusa MMA shorts means choosing a product that enhances your performance and stands the test of time. Whether you are an aspiring fighter or a seasoned professional, Hayabusa ensures you’re equipped with the best.

Read more:
MMA Shorts Hayabusa