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The first big customer for The Trade Desk‘s (TTD 1.33%) TV operating system (OS) is finally here. The ad-buying platform announced on Wednesday that it will co-develop a custom version of its Ventura TV OS with DirecTV, pairing DirecTV’s consumer interface with Ventura’s ad-tech plumbing and app store. The announcement arrives nearly a year after Ventura was introduced, giving investors their first look at how the company plans to bring its TV platform to market.

For readers newer to the story, The Trade Desk operates a software platform that helps advertisers buy and measure digital ads across the internet. The company has been pushing deeper into connected TV (CTV) for years. Ventura is the boldest step yet — a TV operating system meant to give manufacturers and content companies an alternative to platforms that also own content or a streaming service.

Image source: Getty Images.

What Ventura is and why DirecTV matters

Ventura is pitched as a neutral operating system for smart TVs and other screens. The company said in its announcement of Ventura that it is designed to provide a “much cleaner supply chain streaming TV advertising, minimizing supply chain hops and costs — ensuring maximum ROI for every advertising dollar and optimized yield for publishers.” In other words, The Trade Desk believes it will support a supply chain that lets advertisers measure performance more precisely and ultimately optimize spending better.

Importantly, Ventura is not tied to a house streaming service, which the company argues reduces conflicts of interest and keeps it a more unbiased partner for publishers, TV makers, and retailers. This is a pointed contrast with incumbents like Roku or Amazon‘s Fire TV, which operate platforms while also owning major ad-supported channels and inventory.

DirecTV gives Ventura an on-ramp that consumers recognize. The partners plan to integrate DirecTV’s familiar interface — including access to MyFree DirecTV (its free ad-supported TV service), optional genre packs, and premium bundles — into a Ventura build that any third-party TV manufacturer, retailer, hotel, or venue could deploy.

In other words, an OEM (original equipment manufacturer) can ship a TV that boots into DirecTV’s experience, but the advertising marketplace and measurement behind the scenes will run on Ventura. As Matthew Henick, senior vice president of Ventura TV OS, put it, “TV manufacturers deserve more choice in how they build their businesses,” adding that the goal is a “more transparent and equitable ecosystem” for advertisers and publishers.

Financially, The Trade Desk enters this next phase during a time when investors are dubious about how sustainable its high growth rate is. Second-quarter revenue grew 19% year over year to $694 million, and customer retention stayed above 95% while adjusted EBITDA (earnings before interest, taxes, depreciation, and amortization) margin was an impressive 39%. But this growth rate was down from Q1, and management expects even lower growth in Q3. While tough comparisons to year-ago quarters (due primarily to political advertising spending last year) are weighing on results, some investors worry that increasing competition is also to blame.

A catalyst — and a potential distraction

A credible distribution partner could help The Trade Desk push Ventura into living rooms quickly. If OEMs adopt this DirecTV-skinned version, Ventura may improve ad transparency, streamline supply paths, and potentially lower take rates in CTV — outcomes that could make its core ad-buying platform more attractive as its marketers benefit from better economics when buying Ventura OS inventory.

But investors should be cautious about extrapolating too much from a single partnership. Building and supporting a TV OS is expensive and operationally messy. The business model relies on lining up multiple constituents (OEMs, publishers, retailers, and distribution partners) and then demonstrating that stakeholders can earn more money on Ventura than on incumbent platforms. That process takes time. It is also possible the effort will distract management from the day-to-day of strengthening Kokai, its artificial intelligence (AI)-forward ad-buying platform.

Additionally, The Trade Desk’s valuation arguably already prices in success with both its core business and in new ventures. Even after a tough stretch for the stock, shares trade at close to 10 times sales — a premium that implies steady execution and continued share gains across CTV and the open internet. If Ventura ramps slowly, or if macroeconomic headwinds suppress large brands’ ad budgets (as The Trade Desk management warned of in its last earnings call), that premium may be hard to defend. And competition isn’t standing still: Platform owners with their own channels can bundle distribution, data, and ad inventory in ways Ventura will need to match, with clear economic benefits for partners.

None of this diminishes the strategic logic. If Ventura delivers an OS that reduces friction for viewers and advertisers while improving monetization for content owners, this could lead to a cleaner and more efficient supply chain for CTV, ultimately benefiting The Trade Desk’s core platform and making it more valuable over time. The DirecTV tie-up is an important first step toward testing that thesis in the wild.

The shutdown of the U.S. government has brought work determined by the Trump administration to be “nonessential” to a halt across the country as thousands of federal employees have been furloughed and ordered not to do their jobs.

The shutdown — the first in six years — began late Tuesday and could last days if not weeks. Many employees may not return to work at all, as the White House’s Office of Management and Budget recently advised federal agencies to prepare for mass layoffs in the event of a shutdown.

While much of the fallout remains to be seen, federal agencies that deal with wildfires, weather and disaster response — including the U.S. Forest Service, the National Weather Service, the Federal Emergency Management Agency and the Environmental Protection Agency — expect to see some impacts.

Here’s what we know:

The U.S. Forest Service will shut down activities on more than 193 million acres of land across 46 states, including at least 154 national forests, according to the agency’s most recent contingency plan, published in September. Hundreds of recreational sites and facilities will be closed, while work on operations such as timber sales and restoration projects will be considered on a case-by-case basis.

The Forest Service — the largest federal firefighting entity in the country — will continue its work geared toward responding to and preparing for wildfires, according to the plan. However, the agency will reduce some work related to fire prevention, including prescribed burns and the treatment of vegetation to reduce fire risk.

What’s more, the shutdown will delay state grants for forest management and wildland fire preparedness; delay reimbursement for ongoing forest management work on non-federal lands; and may affect states’ ability to train firefighters and acquire necessary equipment, among other impacts, the plan says.

The California Department of Forestry and Fire Protection works closely with the Forest Service to manage fire preparation and response. Cal Fire officials said it does not anticipate any impacts to its ability to respond to blazes, and that the agency is fully staffed.

However, effects may be seen when it comes to federal grant programs that support fire prevention work in the state. For example, private property owners in California who rely on federal funds to conduct vegetation reduction work or create defensible space on their land may have to “front the money themselves” while they await reimbursement said Jesse Torres, deputy chief of communications with Cal Fire.

“The other thing is there are a lot of unknowns,” Torres said. “We don’t know what this is going to look like — is it going to be two days, two weeks, two months?”

Other agencies that play key roles in California’s disaster response and preparation — including the National Weather Service and the Federal Emergency Management Agency — are largely deemed essential and will face fewer interruptions, according to their contingency plans.

“We are still operating in our core mission function and providing most of our normal services,” said Ryan Kittell, a meteorologist with the National Weather Service in Oxnard. That includes weather forecasts and extreme weather watches and warnings.

“The things that we do for public safety will continue as normal,” Kittell said.

About 84% of FEMA employees, meanwhile, are exempt from shutdown-related furloughs, according to its plan, which provides few additional details about which operations will cease or proceed.

Officials with Gov. Gavin Newsom’s office said FEMA staff have advised them that they will continue to make payments for existing disaster declarations made by President Trump, but there’s no guarantee that new or additional disaster declarations or funding will be made available.

FEMA’s Disaster Relief Fund — the main source of funding for response and recovery efforts following major disasters — is also running low and is not likely to be replenished during the shutdown. It requires congressional approval for additional funds.

What’s more, FEMA, the National Weather Service and the Forest Service have already been affected by significant budget cuts and layoffs this year as part of the Trump administration’s larger reorganization of the federal government, which it says will help save taxpayers money.

These agencies, including NWS’ parent agency, the National Oceanic and Atmospheric Administration, have lost thousands of employees to layoffs and buyouts and have experienced reduced operations, grant cancellations and the closure of offices and research arms.

The same is true for the EPA, which has undergone staff cuts and layoffs in addition to a considerable shift in its organizational priorities. The nation’s top environmental agency has spent the last several months loosening regulations that govern air and water quality, electric vehicle initiatives, pollution monitoring and greenhouse gas reporting, among other changes.

Experts said the shutdown could further weaken the EPA’s capabilities, as nearly all of its employees — about 90% — will be furloughed. While the EPA’s imminent disaster response work will continue, such as work on oil spills and chemical releases, longer-term efforts including research projects and facility inspections will halt, according to the agency.

Meanwhile, H.D. Palmer, a spokesman with the California Department of Finance, said impacts to the California EPA’s environmental programs should be minimal if the shutdown is brief, but that problems could arise if it drags on long enough to create backlogs and funding lapses.

The average length of government shutdowns over the last 50 years was seven days, Palmer said. However, he noted that the most recent federal shutdown from December 2018 to January 2019 — during Trump’s first term — lasted 35 days.

Nvidia (NVDA -0.73%) is no stranger to investing in its customers. The company has put billions to work to expand the artificial intelligence (AI) ecosystem, aiming for more growth and investment from its core growth market. The company’s latest deal with OpenAI — the maker of ChatGPT — is a prime example of this strategy.

Here’s what the deal between Nvidia and OpenAI means

The first thing to understand about this deal is that it is simply a letter of intent. That means the partnership is non-binding, with no legal obligation for either of the companies to follow through on the deal framework discussed below. Even if the deal is non-binding, however, the spirit of the partnership is clear: Nvidia and OpenAI will be working closely together to enable each other’s businesses.

Next, let’s discuss the figures you may have seen in the headlines. Nvidia, for example, has pledged to invest $100 billion into OpenAI. The details, however, paint a slightly different picture than the headlines. What the deal essentially outlines is OpenAI’s intention to purchase Nvidia hardware for a massive, multiyear infrastructure buildout. According to a press release, OpenAI intends to “build and deploy at least 10 gigawatts of AI data centers with NVIDIA systems representing millions of GPUs for OpenAI’s next-generation AI infrastructure.” In return, Nvidia will invest in OpenAI equity in tranches, with each funding tranche being initiated as the infrastructure gradually expands.

OpenAI gets two things from this partnership. First, it gets funding in the form of direct cash for equity. Second, it gets preferential treatment from Nvidia when it comes to technology sourcing. Nvidia’s chips are in high demand, at one point facing 12-month shipping delays. OpenAI has now secured a long-term strategic advantage, gaining the ability to scale its infrastructure with the best chips on the planet, chips that the competition may not be able to source.

Nvidia, meanwhile, gains an even stronger backlog. It locks in a huge customer for years to come. It also helps fund an accelerated buildout of AI infrastructure — another long-term tailwind for its business.

Image source: Getty Images.

Should you buy even more Nvidia stock?

This is the type of deal that only Nvidia and OpenAI could pull off. Both are industry heavyweights with sizable competitive advantages. By joining forces, both companies stand to gain even more ground on the competition.

Should you buy stock in Nvidia due to this deal alone? Probably not. The deal, as mentioned, is simply a signal of intent. Nothing is legally binding. Plus, the tie-up could draw the scrutiny of regulators. According to Reuters:

The scale of Nvidia’s latest commitment could attract antitrust scrutiny. The Justice Department and Federal Trade Commission reached a deal in mid-2024 that cleared the way for potential probes into the roles of Microsoft, OpenAI and Nvidia in the AI industry. However, the Trump administration has so far taken a lighter approach to competition issues than the Biden administration.

Even if there are changes to the deal due to regulators or external influences, investors should be very bullish simply about Nvidia’s ability to forge such a deal. It has a huge lead on the competition when it comes to real-world chip performance, access to capital, and industry influence. By making moves like this, the company is ensuring that its dominant market shares have the possibility of continuing far into the future. So while shares aren’t a buy simply due to the deal with OpenAI, investors should take this news as a strong positive for Nvidia’s future.

Gatwick Airport has announced plans to bring its emergency runway into routine use as part of a 2.2bn expansion project, but who will pay for the works and when might the new runway open?

Gatwick Airport has had its £2.2billion plan green lit by the transport secretary, Heidi Alexander.

With the privately financed project, the West Sussex hub is aiming to massively increase its capacity. Gatwick will move its emergency runway slightly to the north, enabling it to be used for departures of narrow-bodied planes such as Airbus A320s and Boeing 737s.

– How many runways does Gatwick have?

It has one conventional runway, and one standby runway.

– What is the standby runway used for?

It is mostly used for aircraft to taxi to and from terminals, but is also used when the main runway is closed for emergencies or maintenance.

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– Why does Gatwick want to expand?

It is the UK’s second busiest airport and one of the busiest single-runway airports in the world. Spare slots at peak periods are scarce and the runway is heavily utilised, meaning disruption can have a severe knock-on effect.

– What must happen to the standby runway for it to be brought into routine use?

It must be moved 12 metres to the north – away from the main runway – to meet strict aviation safety rules.

– What else does the plan involve?

Remodelling and replacing existing taxiways, which connect runways to terminals, hangars and other facilities, extending both terminals, and installing new aircraft gates.

– How about transport?

Gatwick says it would pay for road connections to both terminals to be enhanced, creating fly-overs which separate local traffic from vehicles travelling to or from the airport. A £250 million upgrade of the airport’s railway station was completed in November 2023.

– What would the standby runway be used for?

Departures of narrow-bodied planes such as Airbus A320s and Boeing 737s.

– What impact would that have on Gatwick’s capacity for flights?

This would allow the airport to accommodate approximately 386,000 flights per year, a significant increase from the current 286,000. From the passenger’s perspective, that would increase the number of options when it comes to flying to established destinations, while also, presumably, upping the airports Gatwick is connected to.

– How about annual passenger numbers?

The number of passengers could potentially surge from around 45 million to a staggering 75 million by the late 2030s.

– How much will the project cost?

Gatwick has estimated the project to be priced at a hefty £2.2 billion.

– Who will pay for it?

The airport has assured that the project will be privately financed, promising to cover the costs without increasing charges to airlines.

– When could the new runway open?

A Government source hinted that flights could commence from the new full runway before 2029.

– Who owns Gatwick Airport?

The airport is owned by French firm Vinci and investment fund Global Infrastructure Partners.

– Does Heathrow’s third runway proposal affect Gatwick?

While the Government has shown support for Heathrow’s expansion plan, Gatwick remains undeterred in its ambition to enhance its own capacity.

– Does anyone oppose it?

Zack Polanski, the new Green Party leader, described ministers’ support of a second Gatwick runway as a “disaster”. “It ignores basic climate science and risks undermining efforts to tackle the climate crisis. Labour keeps wheeling out the same nonsense about growth, but at what cost? What this really means is more pollution, more noise for local communities, and no real economic benefit,” he said.

CAGNE, a residents campaign group that has long opposed the expansion of Gatwick, added: “As this is a new runway by the backdoor, offering little compensation for some and nothing for the majority of residents whose homes will be devalued as will areas of outstanding natural beauty and places of historic importance. As the only guarantee Gatwick has offered is that instead of one runway starting up at 6.30am until 11.30pm at night there will be two, so double the noise over rural areas.”

Broadcom (AVGO -0.06%) and Oracle (ORCL 1.72%) have been two of the best-performing mega-cap growth stocks in 2025. As of this writing, Broadcom is up 19% since reporting earnings on Sept. 4, and Oracle soared 36% on Sept. 10 in response to its own blowout earnings and guidance.

Broadcom is getting closer to reaching a $2 trillion in market cap, and Oracle is knocking on the door of $1 trillion. Yet, you won’t find either of these stocks in the “Magnificent Seven,” which only includes Nvidia (NVDA -0.20%), Microsoft (MSFT 0.73%), Apple (AAPL 2.98%), Amazon (AMZN 1.04%), Alphabet (GOOG 0.69%) (GOOGL 0.65%), Meta Platforms (META -1.32%), and Tesla (TSLA 1.48%).

The “Ten Titans” corrects that error by adding Broadcom, Oracle, and Netflix (NFLX 1.38%) to the group. Combined, these 10 growth stocks now make up 39.1% of the S&P 500 (^GSPC 0.28%).

Here’s how the Ten Titans have disrupted the stock market in just a few years and why their dominance in the S&P 500 can still impact your investment portfolio, even if you don’t own any of the Ten Titans outright.

Image source: Getty Images.

A lot has changed in less than three years

The S&P 500 is up a staggering 70% since the start of 2023, and a big reason for that is artificial intelligence (AI). Specifically, a few major companies are profiting from AI through semiconductors and associated networking hardware, software infrastructure, cloud computing, automation, and efficiency improvements.

The Ten Titans encapsulate this theme. The group is now double the market cap of China’s entire stock market and is largely responsible for moving the S&P 500 in recent years.

At the end of 2022, the Ten Titans made up 23.3% of the S&P 500. But since then, many of the Titans have increased in value several-fold, with Nvidia and Broadcom leading the pack.

Data by YCharts.

The Ten Titans’ combination of size and rapid gains has redefined the structure of the S&P 500. Here’s a look at each company’s weight in the S&P 500 as of this writing.

Data source: Slickcharts.

Oracle’s surge on Sept. 10 briefly pole-vaulted it to become the tenth-largest company by market cap. At that time, the nine largest names in the S&P 500 were all tech companies — a far cry from the days when the most valuable U.S. companies were from the oil and gas, consumer staples, financials, and industrial sectors.

The Ten Titans’ influence is growing

Even if you don’t own any of the Ten Titans stocks, their rise may still have ripple effects for your financial portfolio.

The biggest impact would be if you own index funds or exchange-traded funds (ETFs) with exposure to these holdings. Market-cap weighted passive funds that follow a growth theme or the general market will likely have sizable positions in the Ten Titans. And S&P 500 funds that mirror the index, like the Vanguard S&P 500 ETF, SPDR S&P 500 ETF, the iShares Core S&P 500 ETF will all have around 39% of their holdings in the Titans.

The sheer size of the Ten Titans means that the S&P 500 is no longer a balanced index, at least for now. Rather, it’s more of a growth index, similar to how the Nasdaq Composite is typically viewed.

The S&P 500 may contain hundreds of holdings, but its performance is now based on just a couple dozen companies. Investors looking for mid-cap or even large-cap stocks should venture outside the index because the S&P 500 offers little exposure to non-mega-cap names.

Navigating a Ten Titans-dominated market

The rise of the Ten Titans has benefited their shareholders, S&P 500 index fund investors, and folks with exposure to these stocks through ETFs. However, because they are so big, they will likely make the S&P 500 more volatile going forward.

Investors can offset the Ten Titans concentration by investing in value and dividend stocks that no longer make up a large percentage of the S&P 500. On the other hand, if you’re looking for a low-cost and straightforward way to get exposure to top growth stocks, the S&P 500 may be one of the simplest ways to do so.

The S&P 500 closed Sept. 12 up 12% year to date, 62% over the last three years, and 97% over the last five years. Mega-cap growth-focused companies are largely responsible for driving the index to new heights.

The “Ten Titans,” which includes Nvidia, Microsoft, Apple, Amazon, Alphabet, Meta Platforms, Broadcom, Tesla, Oracle, and Netflix, now makes up over 39% of the S&P 500. And the technology sector alone makes up 34% of the index.

Here’s how the S&P 500 being dependent on the performance of a single sector impacts the broader market and your financial portfolio — and is a low-cost and straightforward way to bet on the continued dominance of tech stocks.

Image source: Getty Images.

Tech is even more dominant than it appears

The S&P 500 has a high concentration in the tech sector, namely because of just a handful of stocks. Nvidia, Microsoft, and Apple collectively account for approximately 20% of the S&P 500. Throw in Broadcom and Oracle, and that number jumps to close to 24%. So, nearly a quarter of the index is in just five tech stocks.

However, there are many leading tech-focused companies that aren’t in the tech sector. Amazon, which owns the largest cloud computing company by market share — Amazon Web Services — is in the consumer discretionary sector, along with Tesla, which is being valued more for its activities outside of electric vehicles, such as robotics, automation, and artificial intelligence (AI).

Alphabet and Meta Platforms are often thought of as big tech companies, but they are in the communications sector, along with Netflix.

The tech sector, plus these five companies, makes up 48.7% of the S&P 500. So, as big as the tech sector is, purely based on the companies that are classified as tech stocks, the real reach of tech-focused companies is far larger.

Let the S&P 500 work for you

The S&P 500’s concentration in the tech sector has expanded its valuation and made it more of a growth-focused index. This can pay off with outsized gains if tech keeps outperforming, but it can also lead to more volatility.

During the worst of the tariff-induced stock market sell-off in April, the Nasdaq Composite fell 24.3% and the S&P 500 also got crushed, falling as much as 18.9%. So while the S&P 500 used to be led by consumer staples, industrial, and energy companies, it has now become like a lighter version of the Nasdaq.

Any investor with exposure to index funds or market-cap-based exchange-traded funds (ETFs) will be impacted by this change. An S&P 500 index fund may seem diversified at first glance, with over 500 industry-leading companies. But the reality is that the S&P 500 is really betting big on just a handful of companies. This presents a dilemma for risk-averse investors, but an opportunity for risk-tolerant investors.

Risk-averse investors can reduce their dependence on mega-cap tech companies by mixing in value and dividend stocks or value-focused ETFs. Many low-cost ETFs have virtually the same expense ratio as an S&P 500 index fund, meaning there’s next to no added cost for picking an ETF that better suits your investment objectives.

However, some investors may feel that it’s best not to fight the market’s momentum, and if anything, lean into it. The Ten Titans are massive, but they are also extremely well-run companies with high-margin businesses and multi-decade runways for future growth. So some folks may cheer the fact that these companies have gotten so large and are dominating the S&P 500.

In that case, buying an S&P 500 index fund may be more interesting. Or even a sector-based fund like the Vanguard Information Technology ETF, which has a staggering 53.2% invested in Nvidia, Microsoft, Apple, Broadcom, and Oracle.

Navigating a tech-driven market

As an individual investor, you don’t have to measure your own performance against an index like the S&P 500. Rather, it’s best to invest in a way that suits your risk tolerance and puts you on a path to achieving your investment goals.

Regardless of your investment time horizon, I think it’s important for all investors to be aware of the current state of the S&P 500 and what’s moving the index. Knowing that so much of the index is invested in tech-focused companies explains why the S&P 500 has such a low dividend yield and a higher-than-historical valuation.

Put another way, the U.S. stock market is being increasingly valued for where its top companies could be years from now rather than where they are today. And that puts a lot of pressure on leading growth stocks to deliver on earnings and capitalize on trends like artificial intelligence and cloud computing.

When Nigerian Army troops of the 34 Artillery Brigade stormed the hideout of Ifeanyi Eze Okorienta, popularly known as ‘Gentle De Yahoo’ in Aku-Ihube, South East Nigeria, they did more than capture a notorious commander of the Indigenous People of Biafra (IPOB) and its armed wing, the Eastern Security Network (ESN). They triggered a complex mix of emotions across the region, especially in the Okigwe Local Government Area of Imo State, where he was captured. There was hope for lasting security, fear of retaliatory violence, and uncertainty about what comes next for communities shattered by years of conflict.

The operation, which recovered weapons, ammunition, military uniforms, and uncovered a workshop for dismantling stolen vehicles, represents a significant tactical victory for security forces. Yet, for ordinary citizens, the arrest raises pressing questions about whether one commander’s capture can truly change their daily reality of fear, displacement, and economic devastation.

The broader context of Gentle De Yahoo’s activities is a region grappling with staggering human losses. Between January 2021 and June 2023, at least 1,844 people were killed in South East Nigeria amidst escalating conflict involving gunmen, criminal gangs, IPOB/ESN, state-backed paramilitaries, and Nigerian security forces.

‘We have nothing but fear’

The IPOB/ESN dynamic is born out of the group’s agitation to secede from Nigeria and form an independent country of Biafra, comprising the South East and parts of the South South. Over the years, they have turned to violence to promote their cause, displacing dozens in the process. 

Among those affected is Rebecca Okiri, a widow and mother of three, now living in a displaced-persons camp in Anambra. Armed men set her house on fire because her husband refused to pay their so-called ‘tax’. He was killed in the attack.

“I watched him die trying to protect our children. Now we have nothing but fear,” Rebecca told HumAngle.

Her experience mirrors countless others documented by Amnesty International. The organisation reports that gunmen have turned communities like Agwa and Izombe in Imo State and Lilu in Anambra State into “ungoverned spaces” where traditional rulers have been sacked, residents displaced, and gunmen have taken total control.

This violence has created a climate of pervasive fear. As one displaced resident explained, “The most challenging aspect is that people are afraid to talk. You do not know who you are talking to, whether the person is an informant to the gunmen.”

Beyond direct violence, the enforcement of IPOB/ESN sit-at-home orders since August 2021 has paralysed the economy, with estimated losses reaching ₦7.6 trillion over four years.

“Every Monday, we sit at home, and we lose money we cannot recover,” said Okechukwu Mbah, a market trader in Onitsha. “But it’s not just Mondays anymore; the fear is constant. Customers no longer come from other regions, and those of us here are afraid to invest in our businesses. They have stolen our present and our future.” 

This was the environment in which Gentle De Yahoo operated until his capture.

The arrest: temporary relief or temporary victory?

The capture represents a significant blow to IPOB/ESN operations in Imo State and potentially across the South East. As a notorious commander, his reported activities included coordinating attacks on security forces, managing weapons procurement, overseeing criminal operations such as vehicle theft, and enforcing sit-at-home orders through violence and intimidation.

“The capture of a prominent field commander like Gentle De Yahoo creates immediate operational paralysis for the group in that specific area. There will be a period of disruption as they reorganise, which provides a crucial window for security forces to press their advantage,” according to Hassan Usman, a security analyst and retired military officer.

However, experts caution that such arrests often only provide temporary relief unless accompanied by broader strategies to address the root causes of the conflict. The shift of groups like IPOB/ESN, from community protectors to predators, reflects a familiar pattern observable across fragile states globally.

When formal institutions retreat or fail, vigilante groups often step in to fill security gaps. Initially, they provide genuine protection, but without accountability mechanisms or sustainable funding, they tend to adopt predatory behaviour to maintain operations. In the absence of legitimate alternatives, communities are vulnerable to capture by the very forces that once defended them. This cycle helps explain both the rise of figures like Gentle De Yahoo and the mixed emotions that follow his arrest.

For some, the news has inspired cautious hope. Chidinma Okoro, a schoolteacher in Okigwe, said, “Maybe now we can finally sleep through the night without fear. Maybe our children can go to school regularly again. But we have been disappointed before; one arrest won’t remove all the fear they’ve planted in our hearts.”

Echoing the scepticism, Mustapha Sani, a civil society activist based in Enugu, told HumAngle that “We’ve seen these arrests before. The system that produces Gentle De Yahoos remains intact—poverty, marginalisation, and brutal security responses that often punish ordinary people more than the militants. Until we address why young men take up arms, we’ll just be playing whack-a-mole with commanders.”

Meanwhile, some residents who spoke to HumAngle fear retaliatory violence following the high-profile arrest. A community leader from Owerri, who pleaded anonymity, said, “When they arrest someone like this, his followers often take out their anger on vulnerable communities. We’re telling our people to be even more careful now—this might be a time of increased danger, not less.”

The arrest also brings mixed emotions for those displaced—hope for return tempered by fear of what remains.

‘The trauma runs deep’

Amnesty International reports that traditional marriage and burial ceremonies, once held in ancestral homes, now often take place in communities outside the South East due to fear of attack.

“We have families who haven’t seen their homes in three years,” Joseph Ekwueme, a Catholic priest who runs a faith-based displacement camp in Ebonyi State. “Children who have forgotten what it means to have a permanent home. The trauma runs deep—night terrors, depression, hopelessness. An arrest might make headlines, but it doesn’t automatically heal these wounds.”

Returning home presents challenges beyond physical security. Many communities have been reduced to “ungoverned spaces”, with destroyed infrastructure, collapsed governance, and shattered social networks.

Amara Nwosu, a psychologist working with trauma victims in displacement camps, explained: “The psychological barriers to return are often as formidable as the physical ones. People have witnessed unspeakable violence—neighbours killed, homes burned, loved ones disappeared. Rebuilding trust within communities will take years, not weeks.”

 The way forward

While security operations like the one that captured Gentle De Yahoo are necessary, communities and experts stress that sustainable peace requires tackling root causes.

“We must create alternative economic pathways for youth who might otherwise be attracted to militancy. Micro-investment schemes targeting small businesses could help restore the commercial networks that bind communities together,” said Chinedu Okafor, a professor of economics at Nnamdi Azikiwe University in Anambra State. 

Others emphasise social and cultural solutions. A traditional ruler in the region, who simply identified as Nnamelu, argued: “We know our communities best. What we need are resources to support community policing, programmes to engage our youth, and truth-telling processes to begin healing. The military cannot solve this alone—it requires all of us working together.”

Calls for accountability have also grown louder. Amnesty International and other human rights organisations have urged thorough investigations into all allegations of violations committed by state and non-state actors in the region.

“The Nigerian authorities must uphold their constitutional and international human rights obligations by guaranteeing, protecting and ensuring the rights to life, physical integrity, and liberty, security and safety of the people and stemming the tide of rampant insecurity in the South East region,” Isa Sanusi, Director of Amnesty International Nigeria, stated.

Ultimately, the true measure of success will be whether this operation becomes part of a broader strategy that addresses not just the symptoms of the conflict, but its root causes—historical grievances, economic marginalisation, and the absence of accountable governance that have fuelled the cycle of violence for far too long.

For survivors like Ebulie John from Ihiala, the stakes are clear. “The ‘unknown gunmen’ are armed—some come with guns, cutlasses, and machetes. If they come for an attack, anyone who blocks their way will be killed. It has been a terrible situation, people are scared,” he said. 

The arrest of Gentle De Yahoo will only matter if it makes such stories less frequent and eventually a thing of the past.

The Ellison era of Paramount was barely a month old when another major potential Hollywood merger appeared on the horizon.

Last week the share prices of Paramount and Warner Bros. Discovery surged following reports that the former was preparing a bid to take over the latter with a mostly cash offer backed by the Larry Ellison family. This would come a remarkably short time after Skydance Media, the production company founded by Larry’s movie producer son David, combined with Paramount in an $8-billion deal.

A merger of Paramount and Warner Bros. Discovery would have profound ramifications for the media and entertainment industry.

It would consolidate two of Hollywood’s oldest studios, Paramount and Warner Bros., in the most significant movie business merger since Walt Disney Co. devoured the entertainment assets of 21st Century Fox in 2019. The film industry has still not recovered from having the 20th Century Fox studio effectively taken off the board.

Additionally, a merger would put two mass-market streaming services, Paramount+ and HBO Max, under the same roof, probably leading to the eventual melding of the two. The Ellison clan’s move would also bring Warner Bros. Discovery’s linear TV networks, including CNN, HGTV, Food Network and TNT, together with Paramount’s Comedy Central, MTV and BET.

All of this would lead to substantial “synergies,” meaning cuts and layoffs, at a time when the job market in entertainment and corporate media is already fraught as the industry reconfigures itself. Paramount is currently bracing for thousands of layoffs as the new owners seek $2 billion in cost savings.

That’s not to mention the changes that would likely come if CNN came under the control of Ellison.

Larry Ellison, the Oracle Corp. billionaire who, depending on the day, is one of the world’s two wealthiest people alongside Elon Musk, is known to be Trump-friendly. The effects of the Ellison reign are already being felt at Paramount’s CBS News, where a former conservative think tank leader was recently appointed as ombudsman and where center-right and staunchly pro-Israel journalist Bari Weiss is expected to have an influential role after Ellison buys her digital media startup the Free Press.

So why is all this happening now, and why so quickly?

After all, the Wall Street Journal first reported Ellison’s interest in Warner Bros. Discovery on Sept. 11, just weeks after the Paramount-Skydance combo closed on Aug. 7.

In a sense, this scenario is unsurprising. Wall Street has been practically begging for another wave of consolidation in the media business, as the audience for theatrical movies shrinks, cord-cutting guts TV profits and more of viewers’ attention turns to YouTube, Netflix and TikTok. Most of the legacy entertainment companies don’t have the streaming firepower to compete. They need to combine to measure up.

But the timing is unexpected, and the unavoidable political considerations are particularly interesting.

With Trump in the White House, the political winds are clearly blowing in the Ellisons’ direction, after the Skydance and RedBird Capital team that bid for Paramount placated federal regulators with promises to eliminate diversity, equity and inclusion initiatives and to make CBS News more balanced, at least in eyes of Trump-appointed FCC Chairman Brendan Carr.

Paramount paid $16 million to settle Trump’s lawsuit over a “60 Minutes” Kamala Harris interview. Ellison and his team want to make a Warner Bros. deal happen when a friendly administration is in power.

Paramount has lately upped its spending, acquiring the rights to UFC (run by Trump friend Dana White), locking down “South Park” for Paramount+ and announcing a deal with Activision to make a “Call of Duty” movie.

Also of note is that Ellison’s group is coming in with an offer for the whole company even as Warner Bros. Discovery Chief Executive David Zaslav prepares to split the media giant into two firms: one with the studios, HBO and streaming businesses, and the other with the TV networks. Putting in a bid now could dissuade other potential buyers that might be interested in just one part.

Apple and Amazon have long been seen as potential bidders for Warner Bros. (Amazon already owns MGM), but it’s unlikely they would want a bunch of TV channels that are on the brink of being orphaned. Analysts have speculated that one reason for the proposed split was to make the studio and streaming assets more attractive to buyers by uncoupling them from the challenged pay-TV business. That split is expected to take place sometime in mid-2026.

Paramount’s bid could also preempt those that may want to do a deal, but are firmly on the Trump administration’s bad side. NBCUniversal owner Comcast Corp.’s CEO Brian Roberts has been the subject of disparaging Trump missives. Comcast is liberal network MSNBC’s parent company (for now). A regulatory review involving a perceived Trump enemy would likely not go well.

Of course, competitive bids could emerge anyway, for example, if a private equity player such as Apollo Global decided to get into the mix after previously expressing interest in Paramount through an unsuccessful team-up with Sony.

Big mergers in media and entertainment often fail, and they’re always disruptive.

Warner Bros. itself was involved in some of the most disastrous deals ever: AT&T’s purchase of Time Warner, and before that, the media company’s ill-fated marriage with AOL. Warner Bros. is now on a box-office hot streak, but that has come after years of Zaslav taking heat for killing projects such as “Batgirl.”

Such deals result in mass layoffs. Movie theater owners will most likely see darker days ahead as they’ll be minus yet another big supplier of blockbusters. Journalist Richard Rushfield, of the Ankler newsletter, demanded that somebody do something to stop it. We’ll see.

An Oracle scion buying two studios one after the other probably wasn’t the tech takeover of Hollywood that many people envisioned. Analysts long assumed that Apple would be the one to buy an entertainment powerhouse — maybe even Disney — despite having not shown any particular inclination for doing so. But though it’s not the Silicon Valley roll-up people anticipated, it may be the one they’re going to get.

Stuff we wrote

Numbers of the week

An anime film slayed its Hollywood competition at the box office over the weekend.

“Demon Slayer: Kimetsu no Yaiba Infinity Castle,” already a big hit in Japan, was the highest-grossing movie domestically, beating new films “Downton Abbey: The Grand Finale,” “The Long Walk” and “Spinal Tap II: The End Continues.”

The film, distributed by Sony Pictures and Crunchyroll, opened with a better-than-expected $70 million in ticket sales from the U.S. and Canada, according to studio estimates, making it the biggest anime opening ever. It’s also the highest-grossing domestic debut of the year so far for an animated film.

Its global weekend for Sony, which owns the Crunchyroll anime brand and streaming service, totaled $132.1 million, which includes 49 international markets.

Including grosses from Japan, the movie’s worldwide tally has surpassed $450 million, according to Comscore.

The success of “Demon Slayer,” part of a long-running popular franchise and not to be confused with Netflix’s hit “KPop Demon Hunters,” is a relief to theater owners at a time when other genres are struggling, including superheroes, comedies and original animation. It’s the latest evidence of anime’s growing global clout.

Comedian Nate Bargatze didn’t shortchange the Boys & Girls Clubs of America, nor did he kill the Emmys telecast’s ratings on Sunday night.

The 77th Emmy Awards ceremony from the Peacock Theater in Los Angeles delivered an average of 7.42 million viewers on CBS, up 8% from last year’s audience for ABC.

Once among the most-watched live awards shows on television, the Emmy Awards audience declined dramatically over the last decade as most of the series celebrated no longer have the broad reach they did when traditional TV still dominated the culture, reports Stephen Battaglio.

But the audience level appears to have stabilized. Nielsen data shows that ratings for the Emmy Awards grew for the second consecutive year. The figure is the highest since 2021, when the telecast also aired on CBS.

HBO Max’s “The Pitt,” Apple TV+’s “The Studio” and Netflix’s “Adolescence” were big winners.

Film shoots

Finally …

Listen: The music of Le Tigre, just because it rocks. I just started the audiobook of Le Tigre and Bikini Kill frontwoman Kathleen Hanna’s memoir, “Rebel Girl.” Essential for punk rock fans.

Speaking on This Morning, the money saving expert Martin Lewis turned his forensic hand to the topic of flight compensation and when you will and won’t be entitled to some cash

Martin Lewis has highlighted a little-known six-year rule that means you may be entitled to compensation without realising it.

Speaking on This Morning, the money saving expert turned his forensic hand to the topic of flight compensation. While many will know that, under EU law adopted by the UK following Brexit, passengers are often entitled to financial compensation following lengthy flight delays, they may not be aware of a useful bit of small print.

“Did anyone have a flight delay or cancellation this summer? Or actually, the law says you can go back six years, except in Scotland where it is five years. So if you’ve had this happen to you during this time, except in certain circumstances, you are entitled to a fixed amount of compensation. £520 per person, so a family of four is over a grand, depending on the length of flight and the length of the delay and some other things,” Martin told Cat Deely and Ben Shephard on Tuesday’s programme.

That means it is well worth looking back at flights you may have taken as long ago as 2019 to see if any of them were delayed enough for you to claim some compensation. Online tools such as AirHelp let you check if you’re owed cash for free.

Martin went on to explain that other criteria that can determine whether you’re owed compensation.

“First of all, it has to be a UK or EU-regulated flight. That is, any flight leaving the UK or European airport, that is pretty simple. Or any flight arriving to a UK or EU airport, but then it has to be a UK or EU airline. Easiest way to think of that, British Airways from New York to London is EU regulated, American Airlines from New York to London is not,” he said.

“Then for a delay to count you have to have arrived, not left, three hours late. So when they open the doors of the plane.

“Cancellation rules, they have to have cancelled less than 14 days before the flight. If it’s more, it’s deemed that you have more time to organise. If it’s less, then it depends on when the replacement flight would’ve landed, what you’re entitled to. You’ll need to look that up. There are free tools online that’ll do this for you, you do not need to pay.”

As many passengers have found out to their displeasure, there are certain situations in which airlines don’t have to pay out despite lengthy delays or cancellations.

“The final thing is it must be the airline’s fault, which is much broader than it may sound. If it is a weather issue, if it is air traffic control, if the airport shuts down, it’s not the airline’s fault. If it is staffing problems for the airlines, technical problems for the airlines, if it is a knock-on impact that means your flight is delayed, it is generally the airline’s fault,” Martin said.

When it comes to whether or not you should claim, Martin suggested the following rule of thumb.

“It’s a slight moral thing. If you were three hours and one minute late, sat in the airport bar, having a great time, I wouldn’t bother. We don’t want airlines to go bust. If you were 12 hours late, the kids were sleeping on the floor, it was an absolute disaster, go get your money,” he concluded.

Aircraft swaps, or equipment changes, are becoming routine as airlines juggle fleets to cut costs, cover technical issues, or respond to delays

Airline passengers across the UK are increasingly finding that the seat they booked, or even paid extra for, disappears at the last minute.

This practice, known in the industry as ‘aircraft swaps’ or ‘equipment changes,’ is becoming routine as airlines juggle fleets to cut costs, cover technical issues, or respond to delays.

Latest analysis has found that this airline procedure, swapping an aircraft just before departure, affects nearly 140,000 flights every year in the UK. And for passengers that can often mean losing a reserved seat, being downgraded, or facing overbooking when a smaller plane replaces the original.

Fleet shortages, staff strikes, and ongoing weather disruptions make last-minute swaps more likely, says AirAdvisor, an air passenger rights company.

And while you would be forgiven for thinking that your ticket guarantees a specific plane or seat it, in fact, only guarantees travel in a given class between two points. That legal grey area leaves thousands unsure of their actual rights.

READ MORE: UK caravan owners ‘devastated’ and ‘lost everything’ as holiday site suddenly closesREAD MORE: Alton Towers just revealed it’s opening a Bluey-themed rollercoaster next year

AirAdvisor’s analysis found between 1 per cent and 5 per cent of flights face aircraft changes within 24-48 hours before departure, rising to more than 5% at peak periods on legacy carriers like British Airways and Lufthansa.

Low-cost carriers such as Ryanair and easyJet are less affected because of their standardised fleets, but summer demand spikes increase the risk across the board. If you’ve ever turned up for a flight only to find that the seat you’ve booked or paid for is no longer available, it’s crucial to know your rights.

These rights vary depending on the situation.

Downgrading: If you’re bumped down to a lower class, UK261 regulations entitle you to a refund of 30-75 per cent of your ticket price, depending on the length of your flight.

Seat loss: If you’ve forked out extra for a specific seat (like an exit row, window, or aisle), you can claim a refund of that surcharge if the seat is no longer available. However, if you didn’t pay extra, airlines can reassign you within the same class without offering compensation.

Overbooking due to smaller aircraft: Passengers who are denied boarding are entitled to compensation ranging from €250-€600 (£216 – £519), plus rerouting or a refund.

Unwanted aircraft type: If your flight is reassigned to a model you’re not comfortable flying in (such as the Boeing 737 MAX), airlines aren’t legally required to change your booking. However, some might rebook you as a goodwill gesture if you act quickly.

At present, there’s no regulation requiring airlines to inform passengers of seat or aircraft changes, except when they’re downgraded to a lower class. This legal grey area can be problematic, especially when passengers have paid extra for seat selection or comfort.

As a result, these swaps often happen without any advance warning, leaving passengers caught off guard.

Some consumer groups have argued that airlines should notify passengers of any alterations, giving travellers the right to accept or decline new seating arrangements, and providing automatic refunds when services aren’t delivered as promised.

However, the current review of UK261 regulations, which is being debated in Brussels, has caused some concern. Rather than bolstering passenger protections, certain proposals could actually weaken airlines’ duty to compensate travellers when flights are delayed or scrapped.

Meanwhile, the matter of aircraft substitutions – which are becoming increasingly frequent – remains largely overlooked in the talks.

For British travellers, this means a greater chance of finding out at the departure gate that their seat has vanished or that their flight has fewer places than anticipated.

A MUM has been praised after sharing the genius hack she swears by to give her kids a toy room without making her house look messy.

As a home schooling mum, Paige has devoted a whole room in her abode to her kids’ learning – which also contains some toys.

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But as any parent knows, toys eventually make their way into different rooms, and can end up making the house look untidy.

So Paige came up with a clever idea to let her kids play in the lounge – one of the main family areas of the home – without it turning into another toy room.

In a video on her TikTok page, the mum-of-three showed the kitchen, toy room and lounge, all of which looked perfectly neat and tidy.

She then took the camera to behind the sofa, where she had set aside a large area for toys to go.

“Having a little mini toy room behind the couch was the best decision!” she wrote over the top of the video.

Thanks to the positioning of the sofa, the area is entirely invisible until you’re right on top of it.

And it also means that Paige doesn’t have to deal with tidying it up until she wants to.

“Really has help the house look a bit cleaner haha!” she added in the video caption.

People were quick to praise Paige in the comments section for the clever hack.

“This is so smart!” one wrote.

To which Paige replied: “It really works well!”

“So cute! Great idea!” another added.

“Your house is literally a dream – it’s beautiful,” a third gushed.

“Aww thank you!” Paige responded.

“We love it so much but we are growing and will need more room eventually.

“This space is huge, but tiny rooms is the down fall!”

How to baby-proof your house

IF you’ve got a baby coming very soon, here’s our top tips on how to get your home ready for their arrival…

Secure Furniture and Appliances: Use brackets or straps to anchor heavy furniture and TVs to the wall. Ensure that large appliances like fridges and ovens are stable and cannot tip over.

Install Safety Gates: Place gates at the top and bottom of stairs. Use gates to block off rooms that are not baby-proofed.

Cover Electrical Outlets: Use outlet covers or plates to prevent little fingers from poking into sockets. Ensure that electrical cords are out of reach or secured.

Lock Cabinets and Drawers: Install child-proof locks on cabinets and drawers, especially in the kitchen and bathroom. Store hazardous substances, sharp objects, and small items that can be swallowed out of reach.

Use Corner and Edge Protectors: Attach soft corner and edge protectors to furniture with sharp edges. Consider using them on low tables, countertops, and fireplace hearths.

Secure Windows and Doors: Install window guards or locks to prevent windows from opening more than a few inches. Use door knob covers and door stoppers to prevent pinched fingers.

Maintain a Safe Sleep Environment: Use a firm mattress and avoid placing pillows, blankets, or stuffed animals in the cot. Ensure the cot meets current safety standards.

Keep Small Items Out of Reach: Regularly check the floor for small objects that could be choking hazards. Be mindful of items like coins, buttons, and small toys.

Adjust Water Heater Temperature: Set your water heater to a maximum of 49°C (120°F) to prevent scalding. Always test bath water temperature before placing your baby in.

Use Baby Monitors: Place baby monitors in the nursery to keep an eye on your little one. Ensure the monitor cords are out of reach to avoid strangulation hazards.

By taking these steps, you can create a safer environment for your baby.

“With all that wood accenting going on in there you could easily turn this into a hobbit house,” someone else pointed out.

Paige’s family home is located in Northern California, and is nestled within 10 acres of woodland.

She lives there with her other half and their three children – River Wildfox, Cedar Moon and Sequoia Rain.

HOUSEHOLDS across the country are being warned to brace for a financial squeeze as the cost of government borrowing skyrockets to levels not seen since 1998.

This now directly threatens to push up mortgage rates and could usher in a new wave of tax hikes.

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The pound has tumbled in response to the growing unease, highlighting investor concern over the UK’s economic stability. 

At the heart of the issue are government bonds, known as “gilts,” which the government issues to borrow money.

These bonds offer investors a return, referred to as the “yield.”

In recent weeks, gilt yields have been rising rapidly, making it more expensive for the government to borrow.

This morning, yields soared further, with 30-year gilts reaching 5.72% – the highest level in nearly 30 years – while 10-year gilts climbed to 4.85%.

This spike signals that investors are nervous.

They are demanding a higher return to lend to the UK, worried about stubborn inflation and a gaping £51billion hole in the nation’s finances.

The rise in government borrowing costs is putting serious pressure on household budgets in two key ways

Firstly, it’s driving up mortgage rates.

The link between government gilt yields and mortgage rates is direct and unavoidable.

Lenders use “swap rates,” which closely track gilt yields, to set the prices of fixed-rate mortgage deals.

As these rates climb, fixed mortgages become more expensive.

Since August 1, two-year swaps have risen from 3.56% to 3.74%, while five-year swaps have gone from 3.63% to 3.83%.

Major lenders like Barclays have already started increasing rates, and even a small rise can add significantly to monthly payments on a typical £200,000 mortgage.

With swap rates continuing to rise in recent weeks, experts warn that mortgage rates are likely to increase further.

Separately, Chancellor Rachel Reeves faces a difficult challenge in her Autumn Budget, scheduled for November.

Higher borrowing costs are eating into public funds, and many economists believe tax increases will be necessary to fill the financial gap.

Although the government has promised not to raise income tax, national insurance, or VAT for “working people,” other tax measures are reportedly being considered.

One proposal is applying National Insurance to rental income, which critics fear could result in landlords passing on the cost to tenants through higher rents.

Another idea being debated is replacing stamp duty with an annual property tax, which could affect homeowners.

There are also rumours of reducing pension tax relief or cutting the tax-free lump sum, moves that could generate billions but might hurt savers.

Plus, there’s speculation about lowering the VAT threshold, which would bring more small businesses into the tax system.

This could increase their costs and potentially lead to higher prices for consumers.

Reeves is expected to make economic growth the centrepiece of her next Budget, warning that Britain’s economy is “stuck” and in need of bold solutions.

What can you do about it?

None of the proposed changes have been confirmed yet, and the government hasn’t ruled them out either.

However, any new measures won’t take effect until after the Budget in November.

It’s important not to make rash decisions based on speculation.

If changes are announced, you’ll have time to act and protect your finances before they come into effect.

For instance, if stamp duty is replaced by an annual property tax from a certain date, you could move house before the deadline to avoid the extra cost.

Similarly, if the government introduces capital gains tax on high-value properties, you might consider downsizing to a smaller home before the change is implemented.

 Rob Morgan, chief analyst at Charles Stanley, said: “Taking pre-emptive action can outright backfire.

“Last year some people were concerned about restrictions around taking tax free cash from pension and took withdrawals they wouldn’t have otherwise made.

“This removed the money from a tax-efficient environment and potentially stored up tax issues that will come back to haunt them.

“Instead, it’s best to wait to see what happens, consider the consequences, and take advice as required before acting.”

Most of the proposed measures are likely to affect only the very wealthy, so you may not be impacted at all.

If you’re concerned, there are steps you can take to prepare and safeguard your finances.

Check your financial health

If you are worried about your finances then you should speak to a financial adviser.

They will be able to offer you advice about your situation and explain if any of the measures will affect you.

You can find one using unbiased.co.uk – but remember, you will pay a fee.

It’s good practice to sit down and take stock of your finances every six months and work out a plan.

Work out all your bills and outgoings and what income you have and factor in any changes, such as bills going up or new income streams.

Think about what you need to do to make the most of your money. For example, do you need to prioritise paying off debts or saving for a house deposit.

Our guide to paying less tax legally could help you avoid giving away more cash to the tax man than necessary.

Review your mortgage deal

If your mortgage deal is coming to an end soon, act now.

Locking in a fixed rate could shield you from rising rates and market uncertainty.

Aaron Strutt, of mortgage broker Trinity Financial, said “For the moment there have not been significant price hikes but it’s probably worth locking in a mortgage rate if you are buying somewhere or due to remortgage, to try and keep away from any market turbulence.”

If you are coming to the end of a fixed deal, most lenders let you lock in a new rate up to six months beforehand, which can be worth doing.

If rates fall after you agree a new deal, some lenders will let you sign a new one at a lower rate.

Think when investing

Gold prices surged to a record high of $3,546.99 per ounce (£2,643.82) on Wednesday, marking its seventh consecutive daily rise.

Investors are flocking to the precious metal as a safe haven amid inflation fears and fiscal uncertainty.

However, financial advisers suggest maintaining a balanced and diverse investment portfolio as a better strategy for managing market volatility.

A small allocation to gold (5-10%) can be useful, but it shouldn’t be the core of your investment plan, according to Charles Stanley.

Don’t forget a will

If you’re concerned about potential changes to inheritance tax, it’s essential to have a will in place.

Without a will, your estate will be subject to intestacy rules, which could result in a higher inheritance tax bill.

This is especially important for unmarried couples, as they won’t automatically inherit from each other, even if they’ve lived together for years.

Check how to make one in our guide.

Make your savings work harder

More than 31million bank customers have £186billion in savings accounts earning just 1.5% interest, according to banking app Spring.

These accounts generate £2.3billion a year in interest, but savers could earn over three times more by switching to accounts offering up to 5% interest, The Sun can reveal.

The average bank customer has around £10,000 in savings, according to Raisin.

If that £10,000 is kept in an easy access account earning 1.5% interest, it would generate just £150 in interest each year.

But switching to Cahoot’s 5% easy access account would boost that to £500, earning you an extra £350.

If your savings account pays less than the current inflation rate of 3.8%, it’s time to look for a better deal.