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Insurer warns of growing risks for Greater Manchester charities in 2025

According to research from the Charity Commission, only 47% of individuals donated money, goods, or raised funds for charity in 2023 – a decline from 62% in 2020.

This downward trend, coupled with a higher demand for services and a surge in operating costs, has the potential to place significant strain on many Greater Manchester charities.

Ansvar Insurance, a provider of insurance for the charity, not-for-profit, faith and care sectors, has identified the five risks charities are expected to face in 2025, and is providing expert advice on how organisations can protect themselves.

Adam Tier, head of underwriting at Ansvar, said: “In 2025, charities will have to deal with rising operational costs, growing service demand, and monetary donations continuing to be affected by the cost-of-living crisis. The impact on the sector has been significant, particularly for smaller, local charities, where resources are already stretched.”

1. Financial instability

Charities are struggling with declining donations and rising costs, including increased utility bills and the upcoming living wage increase to £12.21 per hour. To maintain financial sustainability, charities must prioritise financial planning and seek alternative funding sources like corporate partnerships and grants.

2. Increased demand for services

Whether it’s foodbanks, hospices or mental health support, charities across Greater Manchester are on the front line. While government funding for social care and healthcare is expected to help, local impact will take time. Strategic partnerships with local authorities and other charities are key to managing demand effectively.

3. Declining income from donations

Changes in Inheritance Tax and Capital Gains Tax in the recent budget may encourage legacy giving. Therefore, charities should invest in donor engagement strategies to address the ongoing decline in donations, as noted by the Charity Commission.

4. Cybersecurity threats

Cybercrime is on the rise in the charity sector, with a third of charities that responded to the Government’s Cyber Security Breaches Survey 2024 reporting they have fallen victim to an attack. Charities need to implement strong cybersecurity measures, educate staff on safe online practices and ensure they have insurance coverage specific to the charity sector that addresses cyber threats.

5. Regulatory and compliance risks

The government has announced that new charity tax regulations will come into effect in April 2026, which is in addition to the Data Protection and Digital Information Bill (DPDI) which may impact data protection, fundraising, and safeguarding. Ansvar urges charities to regularly review compliance strategies to avoid financial and reputational risks from regulatory breaches.

Adam added: “It’s vital that charities take proactive steps to ensure their resilience, from reviewing their financial strategies to securing adequate insurance cover to protect against emerging risks. We’re committed to helping charities understand the hazards they face and take the proactive steps needed to protect themselves, so they can continue making a difference in their communities.”

The Future of Food and Drink: 2025 Trends Unveiled by Experts

UK food and drink experts have forecasted the trends that will shape consumer behaviour in 2025. Among the highlights are functional foods, improved standards in low and no-alcohol beverages, intriguing European flavours, eco-friendly choices, and a strengthened organic sector—all set to redefine how we interact with our food and drink.

Here the UK’s advisors to the EU’s ‘More Than Only Food and Drink’ campaign reveal their trend predictions which pave the way for a more mindful and dynamic food and drink landscape for the year ahead:

Better gut health with functional foods

As consumers increasingly seek to protect and improve their gut health, the global digestive health market is projected to grow at a Compound Annual Growth Rate (CAGR) of 8.3% in the next five years. As a result, fermented foods and products made using traditional methods continue to find favour in consumer health choices. Sourdough is one such product growing in popularity as consumers look for authenticity and a return to low intervention production methods.

Simon Atkins, an expert on the UK and EU bakery industry and advisor for the EU’s ‘More Than Only Food & Drink’ campaign, predicts that this focus on authenticity and traditional methods will drive further demand for a wider variety of artisan breads in the UK.
Simon explains: “As awareness around ultra processed food continues to gain momentum and people place more focus on how the food they eat makes them feel from the inside out, consumers are seeking out products which are made using traditional baking methods. Sourdough is an example of this. There are different variations made across Europe – from pain au levain (French sourdough), a traditional bread made with wild yeast to create rustic, crusty loaves with a mild tangy flavour; to Denmark’s rugbrød, a traditional sourdough rye bread that is dense and hearty, made with whole rye grains, seeds, and a natural sourdough starter.”

“Whilst local grains and fermentation times vary, at the heart of sourdough is centuries old breadmaking traditions, celebrated for their natural and gut-friendly properties. These breads will become a key part of the functional food movement in the year ahead.”

The functional health agenda is also driving new product development in confectionery, according to Katherine Shipley, retail product development expert and confectionery advisor to the EU’s ‘More Than Only Food & Drink’ campaign.

Katherine says: “Products with lower sugar or more natural sugars are gaining momentum, certainly in the natural sugar arena.  We are seeing gummies made with fruit juice without added sugar or sweeteners. This is paired with innovation in wellness confectionery, such as adding nutrients and vitamins or adding mood enhancing ingredients..”

The bar will be raised in the low and no sector
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According to the IWSR, the overall no and low-alcohol segment showed volume growth of 47% from 2022 to 2023, with forecast volume CAGR of 19% from 2023 to 2028.

Neil McAndrew a wine industry consultant and advisor to the EU’s ‘More Than Only Food and Drink’ campaign says: “Moderation is increasingly a key factor for many consumers and there is a greater tendency to socialise without alcohol or opt for no and low alcohol alternatives. These changing habits are driving a surge of new wine related drinks with a leap in the quality and flavour profile available..”

He adds: “This new demand has been recognised by some of the world’s leading wine producers and the prospect of famous producers in key regions such as Bordeaux in France, applying their expertise to this emerging sector is particularly exciting.”

“I expect to see consumers demanding more from the low and no category in 2025 – both in a restaurant and bar setting, as well as in off-trade environments. Offering a choice of high quality alcohol free beverages will be crucial to meeting changing customer demands.”

Sustainability will move from plate to packaging
Following a recent visit to Champagne, drinks writer Alice Lascelles reported that sustainability was dominating the conversation like never before, with packaging the hot topic.

An estimated 46% of total greenhouse gas emissions, from picking grapes to bottling the wine, comes from glass production and European wine producers have been seeking ways to reduce the weight and environmental impact of the packaging for a number of years.

“In 2025, consumers will be playing event closer attention to the sustainability credentials of the food and drink that they are consuming”, predicts Neil McAndrew. “But it’s not just about the way that food is produced, packaging will be a key consideration too.”

Neil continued: “In Italy, one winery has been reducing the weight of its glass bottles gradually since 2021 and worked with a glass supplier to create a lighter bottle. Since 2023, it has been using a 420g bottle (this was not patented to allow other wineries to use the design). The company estimates the latest model reduces its glass consumption from 512 tonnes of glass with the old 650g bottle, to 398 tonnes with the 420g bottle.”

“The winery also stopped using aluminium screw caps and replaced the zinc capsules on cork-closure bottles with paper ribbons, estimating that these moves reduce the use of zinc alloy and aluminium by five tonnes a year.”

“Whilst in Spain, recent regulations require all wine packaging to be 100% recyclable by 2030, those that do not meet the requirement will be banned.”

“Eco-design is a way for the Spanish wine sector to achieve ‘packaging circularity’, starting with measures aiming to prevent and reduce waste through better wine packaging criteria. These criteria include cutting out superfluous additional packaging, such as replacing labels with techniques such as screen printing, eliminating corner pieces on tertiary packaging, eliminating additional elements such as collars and communicating wine information through other means, such as QR codes.”

Confectionery is also seeing developments in more sustainable packaging, Katherine Shipley advises: “We are starting to see a lot more chocolate and confectionery packaged in paper, whether this is an outer sleeve or a paper sealed envelope.  We are also seeing more compostable materials and packaging made from post-consumer recycled bottles. This will really gain momentum in 2025 as people actively seek out products with elevated sustainability credentials.”

Ontime Automotive Expands in Europe with German Facility Launch

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International vehicle logistics firm Ontime Automotive has announced the formation of Ontime Automotive Germany GmbH. The launch of its first German premises in Bergheim, near Cologne, marks a pivotal step in the company’s strategic European expansion.

The new facility benefits from a central location, offering excellent links to major European motorways and road networks. It is situated near the Port of Antwerp-Bruges, Europe’s largest hub for vehicle transhipments, which handles over three million new vehicles annually.

The Bergheim site will initially offer covered storage and technical support services, reflecting the activities of Ontime’s Technical Services division based in Chelmsford, UK. This approach ensures a consistent standard of service across its expanding European operations.

Serving leading German automotive manufacturers and high-net-worth clients, Ontime aims to build on existing relationships while investing further in its European logistics and customer services.

Commenting on the expansion, Ontime Automotive’s Managing Director, Justin Brinklow, said: “As a logistics partner to a number of manufacturers and automotive groups in Germany, it has always been our intention to establish a base here.

“With recent updates to EU regulations and Germany’s lead in producing more vehicles than any other country in Europe, it’s commercially the right time for us.”

He added, “We envisage the facility will become integral for existing clients and those who choose Ontime in the future.”

The company has also confirmed plans for additional investment in early 2025, including the deployment of its first German-based transporters. These vehicles will expand Ontime’s owned fleet, bringing its total number of covered transporters to over 90.

Ontime Automotive’s UK headquarters will continue to oversee operations, supported by facilities in Calais, France, and the newly launched site in Bergheim, Germany.

F1 champ Verstappen ‘threatened crash’ that would ‘put my head in the wall’, claims Russell

Formula One world champion Max Verstappen threatened a crash that would send George Russell’s head into a wall at the Qatar Grand Prix, the Mercedes driver has claimed while accusing the Red Bull superstar of “lashing out” whenever he has faced “adversity” on the circuit.

Russell and Verstappen were involved in controversy at the race on Sunday, with both drivers speaking to the stewards after the 27-year-old lost pole position for blocking the Briton and received a one-place grid penalty.

“I find it all quite ironic, seeing as on Saturday night he said he was going to purposefully go out of his way to crash into me and ‘put me on my f****** head in the wall”,” Russell told journalists on Thursday, discussing remarks the pair have exchanged since the race in comments first reported by ESPN.

“So to question somebody’s integrity as a person, while saying comments like that the day before, I find is very ironic – and I’m not going to sit here and accept it.

“People have been bullied by Max for years now, and you can’t question his driving abilities. But he cannot deal with adversity.”

Max Verstappen: Russell ‘surprise’

Speaking after the race, Verstappen told Viaplay that he had “lost all respect” for Russell because of behaviour he said he had shown in front of the stewards.

“I was quite surprised when sitting there in the stewards’ room, what was all going on,” Verstappen said.

“I’ve never seen someone trying to screw someone over that hard. He always acts extremely polite in front of the cameras but if you sit together with him personally, he’s a completely different person.

“I truly can’t stand that. Then you might as well get lost. I don’t want anything to do with you.”

George Russell: Verstappen ‘violent’

ESPN said it had contacted Verstappen for comment about Russell’s latest interview. “What happens in the stewards’ room, you fight hard, but it’s never personal,” said the three-time Grand Prix winner.

“But he’s taken it too far now. He said, ‘I don’t know why you would want to screw me like this, I’m so disappointed in you.

“‘I was going to not even race you tomorrow, I was going to let you by. But now if I have to, I will purposely go out of my way to put you on your f****** head in the wall.’

“So, I mean… as I said, I don’t understand why he was so unnecessarily aggressive and violent in that regard.

“I honestly just want to set the record straight, to be honest. It’s just a total double standard that he has for the regulations, and just thinking that he is above everybody else.

“So it’s not me trying to assert my leadership style or anything. It’s just somebody has come out and said that I’m a two-faced m***********, and he’s entitled to his own opinions.

“But coming out and saying that publicly, and slamming me publicly – as I say, I’m just not going to accept it, and I’m going to tell people what the reality was.”

Verstappen ‘thinks he can get away with murder’

Verstappen’s daring tactics have drawn admiration from fans and reservations from critics during his career. “He pushes himself to the absolute limit week in, week out, and that, in 95% of the scenarios, is incredible to see,” acknowledged Russell.

“And I respect him for that 95%. But there have been incidents that have gone unpunished. Maybe that is why he thinks he can get away with murder. But that is not the world we live in and actions have consequences.

“They’re doing their utmost to get [team principal Christian] Horner out of Red Bull, but at the very first race that he wasn’t competitive, [Verstappen] was absolutely slamming his team.

“I know for a fact the week after, a quarter of his engineering team were sending their CVs to Mercedes, to McLaren, to Aston [Martin].

“So I don’t respect somebody who doesn’t appreciate those who have given him the chance to perform, because these last 12 races, he has had a car that is of normal competitiveness… that’s how it should be.

“He’s the biggest, most successful guy in the sport for the last couple of years. He can do what he wants in his own business, but when he starts throwing comments around like he did on Sunday night about me, I’m not just going to sit there and accept it.”

Verstappen won his fourth consecutive World Drivers’ Championship at the Las Vegas Grand Prix on November 24.

Russell is currently sixth in the standings, immediately above teammate and seven-time champion Lewis Hamilton.

Loxone Delivers Unrivalled Efficiency at Energy House 2.0

The University of Salford’s Energy House 2.0 project has highlighted Loxone as a leader in energy-efficient and intelligent building automation, demonstrating its value for sustainable construction.

Loxone’s advanced automation technology excelled in the Energy House 2.0 testing facility, delivering high levels of precision and adaptability. The system maintained indoor temperatures of 21°C in average winter conditions and 20°C in extreme cold (-5°C) while achieving exceptional energy efficiency and minimising waste.

Located in Manchester, Energy House 2.0 features two state-of-the-art climatic chambers, making it a world-class facility for evaluating building technologies. These chambers replicate typical UK winter conditions (5°C) and more extreme weather (-5°C), providing a realistic environment for testing construction solutions. Since January 2023, the university has released several reports, including the latest, Energy House 2.0 Study on Future Homes Standard Heating Systems, which underscores Loxone’s BMS as a standout performer in both maintaining target temperatures and optimising energy usage.

“We’re thrilled to see Loxone’s system perform at such a high level in one of the most realistic testing environments available,” said Tyron Cosway, Branch Manager Loxone UK. “Our mission has always been to set new standards in building automation, and the Energy House 2.0 results underline our commitment to creating intelligent systems that minimise energy waste while delivering unparalleled comfort. The findings of this report further emphasise Loxone as a proven option for developers and home builders alike needing to adapt to the Future Homes Standard expected to come into effect in 2025.”

Integrated Solutions for Sustainable Living

Within the climatic chamber, a three-bedroom house named eHome2 was built in partnership with Barratt Developments and Saint-Gobain. Here, Loxone’s automation system integrated seamlessly with Thermaskirt heating panels and an Air Source Heat Pump (ASHP), enabling tailored temperature management with maximum efficiency.

When tested against another leading heating control system, Loxone demonstrated its ability to deliver consistent indoor temperatures across all zones, even under varying conditions. Its intuitive adaptation to environmental changes and user preferences ensures precise and efficient climate control, reducing energy use and enhancing comfort.

Setting New Standards for Sustainability

The Energy House 2.0 results position Loxone as an ideal choice for developers, self-builders, and housebuilders seeking sustainable solutions. By intelligently managing heat distribution and reducing energy consumption, Loxone supports the transition to eco-friendly, cost-effective building practices.

As an innovator in sustainable building automation, Loxone’s achievements at Energy House 2.0 highlight its capability to integrate seamlessly with diverse systems and deliver exceptional performance. Its BMS represents a forward-thinking solution for those aiming to build or retrofit homes for a sustainable future.

The Psychology of Giving: Why Philanthropy Makes Us Happier

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Philanthropy is often associated with its external impact: improving lives, advancing social causes, and addressing systemic challenges. However, giving is not just about helping others—it profoundly benefits the giver as well. Research in psychology and neuroscience has consistently shown that acts of generosity, whether financial donations or volunteer efforts, can enhance personal happiness and wellbeing.

This phenomenon, often referred to as the “helper’s high,” underscores the deep psychological rewards of giving. Understanding why philanthropy makes us happier reveals much about human nature and the interconnectedness of our social world.

1. The biology of giving

One of the most fascinating insights into the psychology of giving comes from neuroscience. Studies show that acts of generosity activate the brain’s reward system, particularly areas associated with pleasure, such as the ventral striatum. When we give to others, our brains release “feel-good” chemicals like dopamine, serotonin, and oxytocin, which contribute to feelings of happiness and connection.

Oxytocin, often called the “love hormone,” is especially significant. It not only enhances trust and bonding but also reduces stress and promotes a sense of belonging. This biological response to giving is hardwired into humans, reflecting our evolutionary need for cooperation and mutual support. In essence, generosity is not just a moral virtue; it is a biological imperative that fosters social cohesion and individual wellbeing.

2. A sense of purpose and fulfillment

Philanthropy provides a sense of purpose, which is a key driver of happiness. Giving allows individuals to connect with causes larger than themselves, fostering a feeling that their lives have meaning. This sense of purpose is especially powerful in the context of existential challenges, such as ageing or coping with loss, when people often seek ways to leave a lasting impact. Charities that provide cataract surgeries can achieve enormous pride in curing thousands in the world’s poorest communities.

For example, supporting educational initiatives can create a legacy of knowledge and opportunity for future generations, while funding environmental conservation efforts contributes to the health of the planet. These acts remind individuals that their contributions matter and that they are part of a broader, interconnected story. Purpose-driven giving not only enhances happiness but also builds resilience, as people feel empowered to make a difference despite challenges in their own lives.

3. The power of connection

Humans are inherently social beings, and philanthropy strengthens our connections with others. Giving fosters a sense of community and belonging, whether it involves supporting neighbours in need, collaborating with others on charitable projects, or joining networks of like-minded donors. These connections reduce feelings of isolation and loneliness, which are significant barriers to happiness.

Moreover, philanthropy often leads to positive social interactions. A donor might develop relationships with beneficiaries, nonprofit leaders, or fellow contributors, creating a web of meaningful connections. These relationships are not only rewarding but also reinforce the value of generosity, encouraging further acts of giving.

4. Shifting focus from self to others

Another reason philanthropy boosts happiness is its ability to shift our focus away from personal concerns. When people give, they turn their attention outward, concentrating on the needs of others rather than dwelling on their own stressors or challenges. This outward focus can be a powerful antidote to negative emotions such as anxiety, depression, or feelings of inadequacy.

Psychologists have found that helping others can also foster a sense of perspective. For instance, volunteering at a homeless shelter or donating to disaster relief efforts can remind individuals of their own relative fortune, fostering gratitude. Gratitude, in turn, is strongly linked to increased happiness and life satisfaction.

5. The feedback loop of generosity

Giving creates a positive feedback loop: generosity leads to happiness, which in turn fuels more generosity. Studies have shown that happier people are more likely to engage in acts of giving, and those who give experience heightened levels of happiness. This cycle can be self-reinforcing, as the joy of giving motivates individuals to seek out additional opportunities to contribute.

For example, a person who donates to a cause they care about might feel a surge of happiness and decide to volunteer their time as well. The experience of seeing the impact of their actions then deepens their emotional rewards, encouraging further acts of generosity. Over time, this feedback loop not only sustains individual wellbeing but also amplifies the positive effects on society.

6. The role of altruism

Philanthropy taps into our intrinsic desire to help others, which psychologists refer to as altruism. Altruistic behaviour, or giving without expecting anything in return, has been shown to increase happiness even more than self-serving acts. This is because altruism aligns with our core values and enhances our sense of integrity and self-worth.

Interestingly, the benefits of altruism are not limited to large-scale generosity. Small acts, such as buying coffee for a stranger or donating a modest amount to a crowdfunding campaign, can produce the same psychological benefits as more significant gestures. The key is the intention behind the act: when people give out of genuine care for others, they experience the greatest emotional rewards.

7. Creating a ripple effect

One of the most inspiring aspects of giving is its potential to inspire others. Acts of generosity are often contagious; when people witness philanthropy, they are more likely to engage in their own acts of giving. This ripple effect not only amplifies the impact of individual contributions but also fosters a culture of kindness and mutual support.

For example, a person who starts a scholarship fund might inspire friends or colleagues to contribute, creating a collective effort that far exceeds the original donation. Seeing the tangible outcomes of these efforts—such as a student graduating from college—reinforces the emotional rewards of giving and encourages continued generosity.

8. The happiness of empowerment

Philanthropy also provides a sense of agency and empowerment. When people give, they feel that they are part of the solution, actively working to address problems rather than passively observing them. This empowerment fosters a sense of control and optimism, which are essential components of happiness.

For instance, donating to climate action initiatives can help individuals combat feelings of helplessness in the face of global environmental challenges. Knowing that their contributions are part of a larger movement gives donors hope and a sense of shared purpose, further enhancing their emotional wellbeing.

Survey Shows Happiness Boosted by Structured Productivity

A recent survey by laptop backpack brand Riut suggests that productivity, not free time, could be the key to happiness. Those who optimise their routines for productivity report feeling more fulfilled and happier overall.

The study surveyed over 1,000 UK residents and revealed significant insights:

Key Findings:

  • 55% of individuals focusing on productivity reported greater happiness compared to 37% who followed a freer routine.
  • Productivity-driven people also reported more meaningful lives (43% vs 24%) and more eventful days (26% vs 18%).
  • Younger generations favour productivity, with 35% of 25 to 34-year-olds and 34% of 18 to 24-year-olds opting for structured living.
  • Widowed individuals (39%) and single people (26%) are more likely to report productive lifestyles, while divorced respondents reported the lowest sense of control (19%).
The study shows that a little effort put upfront into plotting a routine for yourself that favours productivity will help your overall wellbeing, and actually leave you open to feeling more passionate and alive as opposed to feeling stifled by routine.
The study also looked into the productivity of commuters in the UK, as the  daily commute, particularly if you’re on public transport, is still being written off by some as productivity dead time. But for many it can be used to our advantage. Our survey found that commuters from Sheffield, Cardiff and Brighton and Belfast feel the most productive in their commutes, with around a third saying they optimise this time.
Optimising your life for productivity is clearly working for many, but if you are struggling with where to start, Riut has some tips on what you can look at optimising in order to get more productive and happier as a result.
  • Sleep – Make sure you get enough. Try going to bed a little earlier so you give yourself the chance to get a full 8 hours.
  • Exercise – Create a regular exercise routine (with activities you enjoy) that you can maintain longer term. You don’t need to run 10 miles a day, but you might manage 2 jogs a week.
  • Go outside – Get fresh air every day. If you work from home, take a walk round the block or in a local park. If you’re commuting, try taking a longer walk on the way home.
  • Know your body – Listen to how you’re feeling. Understand how your energy levels vary throughout the day and see if you can build a routine to match it.
  • Schedule your time – Use tools like a calendar to block out time for different tasks so you know you can fit in all your activities.
  • Allow for me time – If you’ve mastered living productively, give yourself a break: don’t let productivity take over your life. Balance time for you and time getting stuff done. Work out a good form of me time, and make sure you take it.
Sarah Giblin, advocate for thriving in the city and Founder at Riut had this to say:
“It sounds so simple but getting a few important things done each day can positively affect how we feel. Without purpose, we can feel lost. But as we know, real life is also full of things outside our control. Perhaps that’s the secret to thriving in the modern age: plan and do what you can, and learn to accept the rest.”

Lyphe Dispensary Expands Noidecs V Medical Cannabis Range

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Lyphe Dispensary has unveiled an extended Noidecs V collection, an affordable and premium-quality medical cannabis line, developed in response to patient needs.

After the success of Noidecs Vital Platinum OG, introduced in June 2024, the new range features four products: VOne, VTwo, VThree, and VFour. These full-flower cannabis options offer patients a straightforward choice tailored to their needs.

Designed for new and experienced users alike, VOne has the lowest THC level for gentle relief, while VFour provides the highest concentration, ensuring a solution for every patient—all at an affordable price.

“Patients are advocating for lower cost, yet sustainable options, and we want them to know that Lyphe is not only listening but taking action,” said Hayley Thompson, Managing Director at Lyphe Clinic. “The Noidecs VOne-VFour line aims to bridge the gap between quality and cost, offering patients a reliable and accessible option for managing their health conditions.”

The Noidecs V collection is a testament to Lyphe’s commitment to balancing cost with quality, supported by efficient supply chains and economies of scale.

With MHRA regulatory changes impacting the branding of “Vital,” the line will evolve in name but not in concept.

Noidecs VThree launches in Winter 2024, with the complete range available early in 2025. Announcements on launch dates are forthcoming.

ICL Markets Review Empower Traders with Innovation

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In the ever-evolving financial trading world, having a dependable, innovative platform can significantly impact a trader’s success. This ICL Markets review explores a platform designed to support newcomers and seasoned investors with cutting-edge features, accessible tools, and a user-focused experience. Let’s delve deeper into what makes ICL Markets appealing in the competitive trading landscape.

User-Friendly Design with a Sophisticated Edge

ICL Markets is a trading platform that seamlessly combines simplicity with advanced functionality. Catering to users of all experience levels, its interface is intuitive enough for beginners while offering the sophistication experienced traders require.

At the core of its offerings are ultra-low spreads starting at 0.0, a feature that directly reduces trading costs and enhances profitability. Whether you’re trading Forex or CFDs, minimising expenses can make a significant difference. Additionally, the platform prides itself on lightning-fast trade execution, processing orders in as little as 30 milliseconds. This quick execution is a game-changer, especially in volatile markets where speed is critical.

Diverse Trading Instruments for Every Strategy

A significant highlight of ICL Markets is its extensive selection of trading instruments. Users can choose from over 120 assets, including Forex pairs, commodities, indices, cryptocurrencies, and CFDs. This diverse range enables traders to create well-rounded portfolios and explore various markets without needing multiple accounts.

The broker provides access to real-time market data and up-to-the-minute analysis, empowering users to make informed decisions. By staying updated on market trends, traders can better anticipate shifts and develop effective strategies tailored to their goals.

Harnessing the Power of MetaTrader 5 (MT5)

ICL Markets leverages the widely acclaimed MetaTrader 5 (MT5) platform, a powerful tool with advanced features for modern trading. MT5 offers superior charting capabilities, multiple order types, and comprehensive technical analysis tools, making it an excellent choice for traders who rely on data-driven decisions.

Additionally, MT5 supports algorithmic trading, allowing users to automate strategies for optimal execution. This feature is especially valuable for traders seeking efficiency, as it reduces the need for constant monitoring while maintaining accuracy.

Innovative Features for Enhanced Convenience

One of the reasons ICL Markets has gained popularity is its focus on user convenience. The platform supports one-click trading, enabling users to execute trades instantly with minimal effort. This feature is particularly useful for traders who operate in fast-moving markets where time is of the essence.

Mobile applications for both iOS and Android enhance users’ accessibility. Traders can monitor markets, analyse data, and execute trades from anywhere, ensuring they never miss an opportunity.

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The mobile apps offer the same functionality as the desktop platform, delivering a unified and seamless experience on any device.

Transparent and Fair Trading Conditions

Transparency is at the heart of ICL Markets’ operations. Unlike some platforms that obscure fees or impose hidden charges, ICL Markets ensures traders clearly understand their costs. Its competitive pricing model features minimal spreads and zero hidden fees, creating a fair trading environment.

This transparency extends to its withdrawal and deposit policies. Users can confidently transfer funds, knowing the platform operates efficiently and fairly. Additionally, the process is straightforward, ensuring users can focus more on trading and less on administrative hurdles.

Round-the-clock support for Traders

Customer support is another area in which ICL Markets excels. The platform provides 24/7 assistance, ensuring traders can resolve issues or receive guidance whenever needed. Whether it’s technical troubleshooting or questions about trading tools, the support team is knowledgeable, responsive, and dedicated to helping users succeed.

For beginner traders, the support continues beyond there. ICL Markets also offers resources to help users learn and grow. From tutorials to expert insights, these educational materials are designed to equip traders with the knowledge and skills they need to thrive in the competitive world of financial trading.

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Why Traders Choose ICL Markets for Forex and CFDs

This ICL Markets review highlights several compelling reasons why the platform is a preferred choice for many traders:

  1. Competitive Spreads: Ultra-low spreads starting from 0.0 give traders a cost advantage.
  2. Fast Execution: Trades are executed in 30 milliseconds, reducing the risk of slippage.
  3. Diverse Instruments: Over 120 assets allow for portfolio diversification and strategic trading.
  4. Comprehensive Market Analysis: Real-time data and expert insights keep traders informed.
  5. User-Centric Platforms: From MT5 to mobile apps, the tools are designed for convenience.
  6. Efficient Customer Support: 24/7 availability ensures traders are never left stranded.

These features reflect the platform’s dedication to providing a holistic and user-friendly trading environment.

Security

In addition to its functional benefits, ICL Markets strongly emphasises security. The platform employs robust encryption measures to protect user data and financial transactions, safeguarding sensitive information against potential threats.

Regulatory compliance further reinforces the platform’s trustworthiness. By adhering to industry standards, ICL Markets creates a secure environment where users can trade with peace of mind. Transparency in operations, including clear terms and conditions, builds confidence among its user base.

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Potential Areas for Improvement

While ICL Markets delivers a well-rounded experience, there are some areas where enhancements could be made. Expanding the range of educational resources, such as webinars or eBooks, would greatly benefit traders who want to deepen their understanding of financial markets.

Additionally, introducing multilingual support could make the platform more accessible to a global audience. Given the international nature of Forex and CFD trading, catering to diverse linguistic needs would enhance its inclusivity.

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The Verdict: A Decent Partner in Trading

This ICL Markets review underscores the platform’s strengths in delivering a top-tier trading experience. With its ultra-low spreads, rapid execution speeds, diverse instruments, and advanced tools, ICL Markets caters to traders who value efficiency, reliability, and accessibility.

Its user-friendly features, robust security measures, and transparent operations make it a trustworthy choice for Forex and CFD trading. While there are minor areas for improvement, these are relevant to the platform’s overall appeal.

For both beginners seeking guidance and experienced traders looking for advanced tools, ICL Markets offers a compelling solution that meets diverse needs.

Conclusion

This ICL Markets review has highlighted a platform that prioritises its users, offering competitive features, robust tools, and reliable support. Whether just starting your trading journey or looking to optimise your strategies, ICL Markets provides the resources and flexibility needed to succeed.

With its commitment to transparency and innovation, ICL Markets is more than just a trading platform—it’s a partner in your financial journey. For traders seeking a dependable, feature-rich environment, ICL Markets is undoubtedly worth exploring.

Disclaimer: This article is provided for informational purposes only and should not be interpreted as a recommendation. The author takes no responsibility for any actions taken by the company during your trading experience. Please be aware that the information contained herein may not be fully accurate or current. Your trading and financial decisions are your own responsibility, and it is important not to rely solely on the information presented here. We make no guarantees regarding the accuracy of the information on this platform and disclaim any liability for losses or damages incurred as a result of trading or investing.

Lime Licensing and FSB Partner to Boost UK Franchising

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Recognised for its extensive experience in franchise consultancy, Lime Licensing Group has partnered with the Federation of Small Businesses (FSB) to empower entrepreneurs across the UK. This strategic alliance focuses on providing essential resources to small businesses interested in expanding through franchising.

The partnership aims to deliver bespoke consultancy services, legal support, and education to FSB members, guiding them through the franchising journey. From initial planning to marketing and ongoing franchisee management, the collaboration seeks to make franchising more accessible and achievable.

With shared expertise, Lime Licensing Group and FSB aspire to open new opportunities for small businesses to scale effectively.

Key features of the partnership include:

  • Discounted consultancy services: FSB members can access Lime Licensing Group’s services at exclusive rates.
  • Educational opportunities: Workshops, webinars, and tailored content will be available throughout 2025, offering insights into franchising’s potential for growth.
  • Comprehensive franchising support: Lime Licensing Group will assist businesses in creating customised franchise plans and recruiting ideal franchisees for both UK and international growth.

Andy Cheetham, CEO of Lime Licensing Group, remarked, “Franchising is one of the most effective growth strategies for small businesses, and this partnership with FSB aligns perfectly with our mission to support small business owners across the UK. We’re thrilled to provide FSB members with resources and expertise tailored specifically to the unique challenges and opportunities they will encounter in franchising.”

Caroline Lavelle, Chief Commercial Officer of FSB, added, “We are committed to helping small businesses thrive, and this partnership with Lime Licensing Group is another step toward empowering our members with innovative growth solutions. Franchising offers a fantastic opportunity for business expansion, and together with Lime Licensing Group, we look forward to helping more UK small businesses reach their full potential.”

The collaboration is live as of today, with resources now available to FSB members. Entrepreneurs eager to explore franchising are encouraged to reach out to Lime Licensing Group or FSB.

About Lime Licensing Group:
Lime Licensing Group is the UK’s largest franchise consultancy with branches around the UK and extensive experience helping businesses expand through the franchise model. For more information, visit www.limelicensinggroup.co.uk.
About FSB:
As the UK’s largest business support group, FSB is the voice of the UK’s small businesses and the self-employed. Established 50 years ago to help its members succeed in business, FSB is a non-profit making and non-party political organisation that’s led by its members, for its members. As the UK’s leading business campaigner, FSB is focused on delivering change which supports smaller businesses to grow and succeed.
FSB offers members a wide range of vital business services, including access to finance, business banking, legal advice and support along with a powerful voice in Government. More information is available at www.fsb.org.uk