A NEW ‘planet-saving’ green standard is set to bring an environmental revolution to homes.
The move, announced by the government earlier this month, will make it mandatory for builders to install things like solar panels instead of traditional boilers and is designed to tackle climate change while keeping household bills low.
Currently, new and existing homes are responsible for around a fifth of greenhouse gas emissions in the UK.
The government hopes that slashing emissions from new homes will enable the country to meet its net-zero emissions target by 2050.
Unveiling the Future Homes Standard, housing secretary Robert Jenrick said polluting fossil-fuel heating systems such as gas boilers would be banned from new homes by 2025. It will be replaced with the latest generation of clean technology, such as air-source heat pumps and cutting-edge solar panels.
Photo of Robert Jenrick by ISABEL INFANTES/AFP/Getty Images.
Jenrick added: “Building new homes isn’t just about bricks and mortar. I want to ensure everyone, including developers, do their bit to protect the environment and give the next generation beautiful, environmentally friendly homes that local communities can support. That’s why I am requiring carbon emissions are cut by up to 80 per cent from 2025 for all new homes, and have published a National Design Guide, setting out simply what we expect from new developments.”
Views are being sought on how changes to building regulations can drive down the carbon footprint of homes built after 2025, including changes to the ventilation and efficiency requirements as well as the role of councils in getting the best energy standards from developers. The consultation will run until January 2020.
Homeowners could potentially save on their energy bills as developments in the fabric of buildings, such as wall insulation and heating, help drive down the cost of keeping homes warm.
The move comes as a growing number of Britons say they want to do their bit for the environment by making their homes more eco-friendly amid growing concerns over climate change.
Solar panels
One of the most popular ways of cutting the carbon footprint of a home is by installing solar panels as these reduce a lot of the natural resources that go into generating electricity.
A spokesman for Manchester based Evergreen Energy Ltd said: “Contrary to popular belief, solar panels are more than suitable for the UK’s climate. They can generate significant amounts of electricity even on overcast days, while exceedingly high temperatures in other countries interfere with the chemical process inside the solar cells, reducing the electric output. Solar panels don’t need much to operate beyond plenty of natural light.”
That being said, if you are thinking of installing solar panels, you will need to check that your home meets certain requirements. These include enough roof space to accommodate the number of solar panels you will need for your electricity requirements, and space in the loft for an inverter, which is roughly the size of a microwave.
Photo: Anthony Devlin/Getty Images.
Ideally, your roof would be facing south to generate the most electricity, but it’s still worth installing solar panels on east or west-facing roofs, as the loss in output is only minor (around 15 per cent). However, solar panels may not be the best choice for those with a north-facing roof or if your house is largely shaded from the sun.
There are also options for those who can’t afford solar panels – renting roof space to energy companies. One such scheme is Rent-a-Roof.
The initial cost of installing a solar panel system and connecting it to the existing electricity supply can seem expensive, but you will recoup the costs over time. Based on estimates from the Energy Saving Trust, a typical 4 kWp solar PV system will save you between £85 and £220 every year. Perhaps more important than this modest saving is the environmental benefit. It is estimated that a standard household solar PV system in southern Britain saves almost 1.2 tonnes of CO2 every year, equivalent to the amount of CO2 emitted by an economy-class passenger on a return London-New York flight.
Heat management
If installing a full set of solar panels (or for that matter, building a brand-new abode out of bio-degradable materials) is not for you, do not despair. There are a large number of ways to make your house planet-friendly without a bankbreaking outlay.
People are often surprised at how even the smallest changes to a home can make it more eco-friendly. A good place to start reducing your home’s carbon footprint is by managing your heat waste.
Check that your roof, walls and floors are properly insulated as these can account for a massive amount of heat loss, not to mention higher energy bills. Use thick curtains on windows to conserve energy, and fitting draught excluders on doors, windows and letterboxes will also help lower your carbon footprint.
If your budget permits, instal dual pane windows as these will reduce heat loss and make your cooling and heating systems far more energy-efficient.
When upgrading windows, remember that wooden window frames are more environmentally sustainable than other materials such as UPVC.
Lighting
If you do not instal solar panels in your house, there are still ways of consuming significantly less electricity. Top of the list are energy-saving bulbs which use just a 10th of the power of old bulbs, while lasting around two times longer.
Over recent years, traditional light bulbs have been gradually phased out with the result that the average UK household now uses nearly a third less electricity to light their home than they did in the 1990s.
However, energy-saving bulbs come in a range of shapes, sizes and brightness and they are not all equally efficient at saving energy.
There have been three generations of low-energy light bulbs – halogen bulbs, compact fluorescent light bulbs (CFLs), and light emitting diodes (LEDs).
A vintage-style incandescent light bulb (C) is shown with an LED light bulb (L) and a compact florescent (CFL) light bulb (Photo: Scott Olson/Getty Images).
Halogens are more efficient than oldstyle incandescent bulbs, but they are now considered high-energy bulbs and their sale has been phased out since 2016.
CFLs are now extremely common and are what most people probably think of as a typical ecologically-friendly bulb. They often come in tubular or looped shapes, though CFLs in traditional bulb shapes are increasingly available.
These bulbs used to have a reputation for poor light quality and for taking time to get to their full brightness. Nowadays CFLs are much improved, though they are not as energy efficient as LEDs.
LEDs, which have been around for years as little lights on TVs and as bicycle lights, are the most efficient bulbs available. They reach maximum brightness immediately, are dimmable and are sold in a wide variety of colours, including hues close to traditional incandescent bulbs.
LEDs can be expensive, but this is more than made up for by their very low energy consumption, which is up to a 10th of the equivalent halogen bulb. This means they can save users an average of about £60 during a 10-year lifespan.
Rain-water harvesting
One of the myths surrounding solar energy in the UK is that our weather simply isn’t hot enough to make it viable. But when it comes to exploiting one of nature’s most abundant resources – water – there are fewer obvious arguments against.
Britain is awash – no pun intended – with free water in the form of abundant rainfall. It is perhaps surprising then that so few of us think about exploiting this aspect of our weather.
In this age of water meters, it makes ecological and environmental sense to harvest the rainwater that falls in your garden, helping to pay household bills and saving the environment into the bargain.
Photo: Miguel Schincariol/AFP/Getty Images.
In fact, rain-water harvesting is hardly a new idea. Before the convenience of piped water, many homes had water butts, though typically these only captured around 200 litres of rainwater. However, a modern rain-water harvesting tank can typically filter and store around 7,000 litres of clean water.
Formerly these rain-water harvesting systems (RHS) were used for little more than watering the garden, but RHS technology is more sophisticated now. It can be plumbed directly into your home’s existing pipework and the rainwater can then be deployed for flushing loos and in the washing machine, slashing water consumption by around 40 per cent.
According to the Rainwater Harvesting Association, it costs about £2,500 for a 2,700 litre tank, and you should expect to pay no more than £1,000 for installation by a competent plumber or builder. The only other cost is about 20p a week to cover the energy needed to pump the water up out of the tank and around the house.
For the purist who would rather not rely on extra energy consumption, however minimal, a tank installed in your loft that relies on gravity alone for power should be considered.
This works by harvesting water directly from the roof via a specially installed drain at a total cost of around £2,000. The disadvantage of this system, though, is that an internally fitted tank will be smaller than an external one, so during the summer when it doesn’t rain for long periods, you’ll probably need to depend on your mains water system.
Every little helps
Every initiative helps when it comes to the environment, so any green-conscious householder should check the energy efficiency of their household appliances.
All home appliances have star ratings and the higher the number of stars, the more energy-efficient the appliance.
When you buy a five-star rated air conditioner, it means it will consume less energy than a two-star or three-star version. The same goes for other electronic gadgets also.
With climate change the biggest threat to the planet, more and more young people are becoming concerned for the future and wanting to make efforts to reduce their carbon footprint.
Photo by Ian Waldie/Getty Images.
If you have children of university age, you might consider helping them rent new-build student accommodation as this is designed to be more eco-friendly and energy-efficient than older student flats. The downside, though, is that purpose-built new student flats can be significantly more expensive. So it is worth considering how they can be more environmentally-friendly without breaking the bank of mum and dad.
The first thing is to encourage them to buy secondhand. They may be used to ordering the coolest new products via the internet, but why not encourage them to save the planet’s resources and cut waste by kitting out their flats with secondhand items? They will be saving lots of money by not buying new, while doing their bit for the environment.
Reduce your energy consumption
Keeping yourself warm when the weather is cold, and cool when the weather is hot is one of the biggest domestic contributors to climate change. Heaters and air conditioning use large amounts of energy and are not easy to live without.
But whenever possible, the environmentally conscious individual should limit using them. As far as possible, use fans rather than air conditioning and wear extra layers of clothes rather than turning up heaters.
Finally, try to cut your use of chemical-based household products as these tend to be harmful to the environment. Substituting natural or non-toxic home cleaning products is another way to help make your home more sustainable. There are many natural cleaning products on the market, while simple products like vinegar and bicarbonate of soda can get excellent cleaning results at a fraction of the price of the big brands.
A massive new cybersecurity report has revealed what experts are calling the largest data breach in history, involving over 16 billion login credentials. The records, uncovered by researchers at Cybernews, appear to come from a variety of sources and have raised alarm bells across the tech and cybersecurity industries.
Unprecedented scale of exposure
The data is spread across 30 different datasets, with individual troves containing between tens of millions and more than 3.5 billion credentials each. In total, the exposed records add up to 16 billion, a staggering number that equates to more than two credentials for every person on Earth.
Most of these credentials appear to have been collected through infostealer malware and other illicit methods. These tools typically capture usernames, passwords, tokens, cookies, and other metadata from compromised systems, packaging the data in a uniform structure, typically a URL followed by login details and passwords.
Not old data, but fresh and dangerous
What makes this breach especially concerning is the recency of the data. Researchers confirm that the datasets are not simply recycled from old breaches, but largely consist of new logs collected in recent months. Many include access credentials to services such as Apple, Facebook, Google, GitHub, Zoom, and Telegram.
Although some of the login pages referenced in the data are from popular global platforms, cybersecurity researcher Bob Diachenko clarified there was no centralised data breach at these tech giants. Instead, credentials linked to their login portals were likely captured via infostealers installed on individual users’ devices.
Multiple datasets, unclear ownership
The 30 datasets uncovered differ significantly in size and origin. The largest, containing over 3.5 billion records, is suspected to be linked to Portuguese-speaking regions. Other datasets hint at Russian sources or specific platforms like Telegram. Many have generic names such as “logins” or “credentials”, providing little insight into their exact source.
Despite the vast quantity of data, the researchers have been unable to identify a single entity behind the breach. It remains unclear whether the datasets were compiled by security researchers monitoring for leaks or by cybercriminal groups aggregating stolen information for exploitation.
While the datasets were only briefly exposed — typically via unsecured Elasticsearch or cloud storage instances — this short window was enough for experts to confirm their contents and raise concerns.
A blueprint for cybercrime
Experts warn that this is not merely a leak, but “a blueprint for mass exploitation.” The exposed credentials, which include sensitive data such as tokens and cookies, could be used for a range of attacks: from account takeovers and identity theft to ransomware campaigns and targeted phishing.
This kind of large-scale credential exposure is particularly dangerous for organisations lacking robust cybersecurity measures, including multi-factor authentication (MFA). Without these defences, hackers could easily use stolen credentials to breach systems and escalate attacks internally.
How users and organisations can respond
With the source of the leak uncertain and the extent of the damage unclear, there are few direct actions individuals can take. However, cybersecurity experts strongly recommend several key practices:
Use a password manager to generate and store strong, unique passwords for each service.
Regularly review accounts for unauthorised activity.
Run regular malware scans to detect and remove infostealers.
Diachenko, who contributed to the Cybernews report, stressed that while the breach doesn’t indicate failures at platforms like Facebook or Google, it still poses a widespread risk. “Credentials we’ve seen in infostealer logs contained login URLs to Apple, Facebook, and Google login pages,” he noted.
This implies that while the platforms themselves may be secure, any user who has been compromised by infostealer malware could unknowingly provide cybercriminals access to those services.
A reminder of growing data breach risks
This record-setting exposure is just the latest in a growing trend of large-scale data breaches. The fact that datasets of this size continue to emerge, often unnoticed for months, highlights the evolving nature of cybersecurity threats.
As digital services become more embedded in daily life, the potential fallout from data breaches expands. This incident serves as a stark reminder of the need for vigilant data hygiene, both for individual users and the organisations that serve them.
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The leaders discussed the new Defence Cooperation Accord between the UK and Bahrain, aimed at deepening joint military training and naval ties.
PRIME MINISTER Keir Starmer met Crown Prince Salman bin Hamad Al Khalifa, prime minister of Bahrain, at Downing Street on Thursday.
A Downing Street spokesperson said the leaders discussed the UK-Bahrain relationship and welcomed the UK becoming a full member of the Comprehensive Security Integration and Prosperity Agreement (C-SIPA), a trilateral pact with Bahrain and the United States focused on regional security.
They also welcomed the signing of the Strategic Investment and Collaboration Partnership, which aims to build on the two-way investment between the countries. According to the spokesperson, this would "unlock new investment, growth and jobs into the UK, delivering on the Plan for Change."
The leaders discussed the new Defence Cooperation Accord between the UK and Bahrain, aimed at deepening joint military training and naval ties.
The spokesperson said, “Highlighting the strength of the 200-year relationship between both nations, the leaders looked forward to further cooperation, including trade negotiations with the Gulf Cooperation Council.”
They also spoke about the situation in the Middle East, called for de-escalation, and agreed on the need for closer regional ties to support stability.
“The Prime Minister and Crown Prince looked forward to speaking again soon,” the spokesperson added.
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Funds held in customer accounts by Indian clients rose by 11 per cent in the year to 346 million Swiss francs (£3.14m) and accounted for about one-tenth of overall funds.
INDIAN money in Swiss banks more than trebled in 2024 to 3.5 billion Swiss francs (£3.1bn), attributed to a rise in funds held through local branches and other financial institutions, annual data released by Switzerland's central bank showed on Thursday (19).
However, funds held in customer accounts by Indian clients rose by 11 per cent in the year to 346 million Swiss francs (£3.14m) and accounted for about one-tenth of overall funds, the report showed.
The increase in the overall funds follows a 70 per cent decline in funds by Indian individuals and firms in Swiss banks, including through local branches and other financial institutions, in 2023 to a four-year low of 1.04 billion Swiss francs.
This is the highest since 2021, when the total Indian money in Swiss banks hit a 14-year high of CHF 3.83 billion.
These are official figures reported by banks to the Swiss National Bank (SNB) and do not include money that Indians, non-resident Indians or others might have in Swiss banks in the names of third-country entities.
According to the SNB, its data for 'total liabilities' of Swiss banks towards Indian clients takes into account all types of funds of Indian customers at Swiss banks, including deposits from individuals, banks and enterprises. This includes data for branches of Swiss banks in India, as also non-deposit liabilities.
The total amount of CHF 3,545.54 million, described by the SNB as 'total liabilities' of Swiss banks or 'amounts due to' their Indian clients at the end of 2023, included • CHF 346 million in customer deposits (up from CHF 310 million at 2023-end), • CHF 3.02 billion held via other banks (up from CHF 427 million), • CHF 41 million (up from CHF 10 million) through fiduciaries or trusts, and • CHF 135 million as 'other amounts' due to customers in form of bonds, securities and various other financial instruments (down from CHF 293 million).
The total amount stood at a record high of nearly 6.5 billion Swiss francs in 2006.
However, the 'locational banking statistics' of the Bank for International Settlement (BIS), described in the past by Indian and Swiss authorities as a more reliable measure for deposits by Indian individuals in Swiss banks, showed an increase of nearly six per cent during 2024 in such funds to $74.8m (£55.7m).
An exchange of information in tax matters between Switzerland and India has been in force since 2018. Under this framework, detailed financial information on all Indian residents having accounts with Swiss financial institutions since 2018 was provided for the first time to Indian tax authorities in September 2019 and this is being followed every year.
Swiss authorities have maintained that assets held by Indian residents in Switzerland cannot be considered as 'black money' and they actively support India in its fight against tax fraud and evasion.
The UK topped the charts for money deposited by foreign clients in Swiss banks at CHF 222 billion, followed by the US (CHF 89 billion) and West Indies (CHF 68 billion).
Germany, France, Hong Kong, Luxembourg, Singapore, Guernsey and the UAE completed the top ten countries.
India was in 48th place, up from 67th at the end of 2023, but below 46th place at the end of 2022.
Pakistan also saw a dip to CHF 272 million (from CHF 286 million), while Bangladesh witnessed a sharp increase from CHF 18 million to CHF 589 million.
(With inpust from agencies)
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In a statement, the central bank pointed to a recent rise in energy prices, citing the 'escalation of the conflict in the Middle East' as a factor.
THE BANK OF ENGLAND (BoE) kept its key interest rate at 4.25 per cent on Thursday, citing persistent inflation and rising risks from US tariffs and the conflict between Israel and Iran.
The decision, which was widely expected, came a day after the US Federal Reserve also left its interest rates unchanged, pointing to continued inflation and slowing growth in the United States.
BoE governor Andrew Bailey said the UK economy remained weak but signalled that rate cuts were possible later this year.
“Interest rates remain on a gradual downward path, although we’ve left them on hold today,” Bailey said. He added, “The world is highly unpredictable.”
Official figures released Wednesday showed that UK annual inflation eased to 3.4 per cent in May, less than expected. It remains well above the BoE’s 2 per cent target.
In a statement, the central bank pointed to a recent rise in energy prices, citing the “escalation of the conflict in the Middle East” as a factor.
Despite holding rates steady, analysts expect the BoE to cut at its next meeting in August.
“The Bank of England opens the door for a cut in August as it keeps one eye on energy prices,” said Yael Selfin, chief economist at KPMG UK.
The Bank of Japan also kept its interest rate unchanged this week.
Earlier on Thursday, Norway’s central bank unexpectedly cut rates, and the Swiss National Bank reduced its rate to zero per cent. Both cited uncertainty in the global economic outlook.
Last month, the Bank of England cut its rate by 0.25 percentage points as early signs emerged that US tariffs were beginning to affect growth.
The UK economy shrank more than expected in April, partly due to a tax rise on domestic businesses.
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FILE PHOTO: Passengers board a Pakistan International Airlines (PIA) flight at the airport in Kabul on September 13, 2021. (Photo by AAMIR QURESHI/AFP via Getty Images)
TWO of Pakistan's leading business groups and a company backed by the powerful military will bid for the country's ailing national carrier, a divestment the government hopes will kickstart the privatisations of state-owned enterprises.
The sale of Pakistan International Airlines will be the first major privatisation for around two decades, with the sale of loss-making state-owned enterprises a condition of last year's $7 billion (£5.5bn) bailout by the International Monetary Fund.
The government tried unsuccessfully to last year offload a stake in PIA, which is a major burden on its budget, but the sale was aborted because of the poor state of the airline and the conditions attached to any purchase.
Expressions of interest are due by Thursday (19) for an up to 100 per cent stake in the airline, with industry insiders expecting more bidders to emerge. They say the deal has been sweetened with a tax incentive and bolstered by signs of a turnaround in PIA's fortunes.
The Ministry of Privatisation did not respond to a request for comment.
Among those planning bids are the Yunus Brothers Group, owners of the Lucky Cement and energy companies; and a consortium led by Arif Habib Limited that includes Fatima Fertiliser, Lake City, and The City School, sources within the companies said.
Fauji Fertilizer Company, which is part-owned by the military, said it will be making an expression of interest, in a notice to the Pakistan Stock Exchange. Fertiliser production is a lucrative sector in Pakistan.
A group of PIA employees has also come forward to bid.
"The employees will use their provident fund and pension, in addition to finding an investor to place a bid. We're doing this to save jobs and turn around the company," said Hidayatullah Khan, president of the airline's Senior Staff Association.
The airline was restructured last year, offloading approximately 80 per cent of its legacy debt to the government to make it more attractive to investors. But bidders remain concerned about overstaffing and the ability to fire employees.
Last year's sale effort failed when the sole bid of $36 million (£28m) fell far short of a $305m (£240m) floor price.
Interested parties walked away before bidding, partly because the government was not willing to give up 100 per cent of the company, with bidders saying they did not want the government to remain involved.
Since then, PIA has posted its first operating profit in 21 years, driven by cost-cutting reforms, after making cumulative losses of $2.5bn (£2bn).
This success of the current process will depend on whether the government is willing to give up a 100 per cent stake, industry insiders said.
They added that a government decision this month to remove the requirement of paying sales tax upfront on the lease of new aircraft, which had been an impediment, will make the deal more attractive.
PIA resumed flights to Europe in January after the European Union lifted a four-year safety ban. The airline has also approached UK authorities for permission to resume services to London and Manchester.
The restoration of international routes is vital to future growth opportunities and successful bidders are likely to bring in foreign airlines as operators.