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The conflict in the Middle East is having far-reaching effects beyond the region, impacting UK mortgage rates and consumer confidence. In response to surging oil prices and inflation fears, lenders have pulled hundreds of mortgage products, replacing them with more expensive deals.According to Halifax, average UK house prices fell by 0.5% in March, with demand affected by higher mortgage rates. The Guardian wants to hear from individuals who have lost mortgage deals or been affected by rising interest rates.Share your experience by completing a short form or messaging the Guardian on WhatsApp at +447766780300. Responses can be anonymous, and submissions will be kept secure.The Guardian is seeking stories from people who have:Lost recent mortgage dealsBeen affected by rising interest ratesChanged housing plans due to the current economic climateAll submissions will be reviewed and potentially published, with the option to remain anonymous.

Brandon Holtz, a 39-year-old real estate broker from Illinois, has achieved an incredible feat by qualifying for the Masters tournament as an amateur golfer. Ranked 3,262 in the world amateur golf rankings, Holtz secured his spot by winning the US Mid-Am, a route into the Masters for amateur players aged 25 and over.Holtz's journey to the Masters is an unlikely one. He didn't play golf at college, instead being on a basketball scholarship at Illinois State. He only took up golf seriously after finishing college, spending his early 20s on the mini tour trying to make it as a pro. However, it cost him more than he won, and he eventually paid $200 to the US Golf Association to have his amateur status reinstated in 2024.His background in elite college basketball has proven to be more helpful than his short time on the Hooters Tour. As a shooter, Holtz was able to perform under pressure, a skill that suited him well in the Mid-Am, a matchplay event. He won it with his driver, which he says is the best club in his bag.Despite struggling in his first round with a score of 81, Holtz remains optimistic. 'This is a dream come true really,' he said. 'The experience as a whole is incredible. It was definitely not what I wanted to do on the golf course today, but I had a lot of fun.'Holtz's story is an inspiration to many, showing that it's never too late to pursue your dreams. As he said, 'I'm 39, chasing a dream and here we are.'

Rory McIlroy, the defending champion, has made a flying start to his title defence at the Masters Tournament, carding a 67 to share the lead with Sam Burns after the first round. McIlroy's score of five under par puts him just one shot shy of the best first-round score by a reigning Masters champion. His round included birdies at the 9th, 13th, 14th, and 15th holes, with a saved par at the last despite finding sand from the tee. The Northern Irishman expressed relief at feeling unburdened, stating, “I think winning a Masters makes it easier to win your second one.” He added that knowing he can put on his Green Jacket and have a Coke Zero at the end of the day helps him make crucial swings without worrying about the outcome. McIlroy's position is strong, but he is not alone in the lead. Sam Burns, who has had a curious history at Augusta, also carded a 67 to share the top spot. Burns has missed the cut twice in four previous Masters appearances but showed promise with his first-round performance. Other notable players include Justin Rose, who shot a 70 and could set up a potential rerun of last year's playoff. Patrick Reed, Kurt Kitayama, and Jason Day are also in contention, having carded scores of 69. Shane Lowry and Xander Schauffele are also well-placed, with Lowry predicting a tough week ahead due to the forecast. The tournament is expected to become increasingly challenging, with Lowry warning that the course will get “very, very crusty” as the week progresses. McIlroy, however, seems relishing the battle, having overcome his historical struggles at Augusta.

The International Monetary Fund has cautioned that the US‑Israel war on Iran could ignite a new wave of global inflation, jeopardising the outlook for world growth even if the current cease‑fire endures. IMF Managing Director Kristalina Georgieva announced on Thursday that the Fund will lower its growth projection for the global economy at next week’s IMF‑World Bank Spring Meetings, stating that the conflict has turned a potential upgrade into a growth downgrade. Earlier this year the IMF had lifted its forecast to 3.3 % growth for the 191‑member economies. That optimism evaporated after the war erupted on 28 February, driving up oil and natural‑gas prices, damaging energy infrastructure such as refineries and tanker terminals, and disrupting fertilizer shipments essential for global agriculture. Georgieva warned that the conflict is eroding business and consumer confidence and urged member nations to “get your house in order” as heightened defence spending adds further strain to the world economy. She also expressed confidence that the IMF will secure U.S. congressional approval this year for a 50 % increase in quota‑based lending resources, unlocking more of its roughly $1 trillion lending capacity. The United States, the Fund’s largest shareholder, would thereby provide crucial financial reassurance amid uncertain future developments. In a newly released report, the IMF estimated that countries directly involved in armed conflict typically see output fall by about 3 % at the outset, accumulating to roughly 7 % losses over five years. However, the study noted that economies like the United States may avoid severe economic damage because the fighting does not physically affect their own territory. Central banks are also on alert. Georgieva emphasized that “the central bank cannot afford to let inflation spiral out of control,” a statement that precedes the U.S. Federal Reserve’s two‑day policy meeting scheduled for 28–29 April, where interest‑rate decisions will be made amid political pressure from President Trump to lower rates. Other monetary authorities, including the Bank of Mexico, warned that the Middle‑East turmoil could push inflation higher in Latin America’s second‑largest economy, underscoring the broader spill‑over risks of the conflict.

The United Kingdom's Defence Minister, John Healey, announced that British forces had successfully tracked and deterred three Russian submarines in a covert operation within UK waters in the High North maritime region. This area is strategically important due to its proximity to key shipping routes and crucial undersea cables.Healey revealed that the month-long operation, which involved British warships and military aircraft, did not find evidence of Russian vessels damaging undersea infrastructure. However, the decision to publicly disclose the operation was made to 'call out' Russian activity and send a clear message to Russian President Vladimir Putin.“We see you, we see your activity over our cables and pipelines. And you should know that any attempt to damage them will not be tolerated, and will have serious consequences,” Healey stated. The British Defence Ministry identified the submarines as an Akula-class Russian nuclear-powered attack submarine and two specialist submarines from Russia's Main Directorate of Deep Sea Research (GUGI), which defence experts consider one of Moscow's most secret facilities.The Russian embassy in London rejected the British government's claims that its submarines posed a threat to undersea cables. According to Healey, the Russian attack submarine was likely a decoy to distract from the two specialist vessels designed to survey underwater infrastructure during peacetime and sabotage it in conflict. The operation highlights growing concerns about threats to undersea cables, which connect about 99 percent of global internet traffic, with the UK having 60 cables near its waters.

As the cost of living crisis continues to bite, finding ways to lower your grocery bill has become more important than ever. Retail workers are sharing their insider knowledge on how to save money at supermarkets, street markets, and charity shops.Be Savvy About Store DiscountsMany supermarkets offer yellow-stickered items that are reduced in price due to nearing their expiration dates. These discounts can be significant, with reductions of up to 75% off. Alasdair Baker, who runs The Penny Pincher, advises shopping for these items in the late afternoon or early evening when the biggest reductions are typically applied.View image in fullscreenTiming matters … you’ll find the biggest reductions on yellow-sticker items in the late afternoon and early evening. Be AppySome grocery stores use apps such as Too Good To Go and Olio to offer discounts or free food to avoid food waste – but it can be a gamble as to what you get.Use Common SenseIf you buy something reduced on the day it is expiring, that doesn’t mean you need to eat it that day. There is a difference between “best before” dates, which are about food quality and the more important “use by” dates, which are about food safety.Be Cautious About ‘Bogof’ Deals“There aren’t as many buy one, get one free [bogof] deals now, because of new rules that came into place last year,” says Baker. These restrict promotions of products high in fat, sugar or salt.Avoid Big BrandsThe ends of supermarket aisles often feature big brands, says Baker. “They are not placed there randomly: the companies pay an awful lot of money. The idea is to try to coax people into buying those products more often.”Sign Up for a Store Card“It’s sad that we now have to essentially sell our data to the supermarkets in exchange for affordability – but such is life in 2026,” says Jenny Rogers. “If you have a store card, it is also worth getting the supermarket app, as a lot of stores will give you one or two personalised offers a week, or periodic free delivery for members.

The recent showdown between the US and Iran has ended with Iran emerging victorious and Trump being forced to pause his war efforts. This outcome is a clear example of how to defeat Trump. According to Robert Reich, a former US secretary of labor, the strategy that connects all the successful countermeasures against Trump is simple: refuse to cave to his demands, despite his superior military or economic power. Instead, use a kind of jiujitsu to turn Trump's power against him. Examples of successful countermeasures include: Iran using cheap drones and missiles to close the strait of Hormuz and drive up oil prices, putting pressure on Trump. China leveraging its control of rare earth metals to gain leverage in trade negotiations. Russia using its vast deposits of oil and natural gas to gain leverage over US allies. Canada and Mexico winning tariff showdowns with Trump by leveraging their economic importance to the US. Greenland curbing Trump's ambitions through public opinion. Inside the US, similar strategies have been used by: The people of Minneapolis, who organized non-violent resistance to protect immigrants. Harvard University, which leveraged its influence with federal courts to stop Trump's interference. Comedian Jimmy Kimmel, who turned a crisis into a ratings victory. Writer E Jean Carroll, who secured over $88m in damages from Trump in two civil cases. Law firms like Perkins Coie, Jenner & Block, Susman Godfrey, and WilmerHale, which refused to follow Trump's executive orders. On the other hand, countries and organizations that have caved to Trump have only strengthened his leverage over them. For example, Europe seems incapacitated, fearing Trump will leave Nato, while media networks like ABC continue to lose viewers. The bottom line is that there is now a clear blueprint for how to defeat Trump: reject his demands and use your own asymmetric power to turn his power against him.

Michael Jordan, the legendary basketball player, has found a new winning formula in Nascar. His team, 23XI Racing, has stormed to the top of the Cup series standings in 2026, with Tyler Reddick claiming four wins in the first six events, including a victory in the Daytona 500.Jordan's foray into Nascar ownership began in 2021 with a joint venture with Denny Hamlin, a prominent driver and Jordan Brand ambassador. The team's rapid rise to prominence has been fueled by Jordan's competitive drive and leadership style, which he attributes to his basketball background. "I'm cursed with this competitive gene, that anything I do is from a competitive lens," Jordan explained in an interview with CBS's Gayle King.The team's success has not been limited to Reddick, with Bubba Wallace, the No 45 car driver, consistently finishing in the top 11 through the first five races. Jordan's leadership approach, which emphasizes performing at the highest level and taking calculated risks, has drawn comparisons to his basketball career. "He emphasizes doing what you need to do to make sure you're performing at your highest level and taking that game-winning shot," said Dave Rogers, 23XI's senior director of competition.Jordan's entry into Nascar was not without controversy. In October 2025, 23XI Racing filed an antitrust lawsuit against Nascar, challenging the sport's charter system and revenue distribution model. The lawsuit led to the resignation of Nascar commissioner Steve Phelps in January 2026 and ultimately resulted in a settlement between Jordan and Nascar.Jordan's impact on Nascar extends beyond his team's on-track success. He has been instrumental in promoting diversity and inclusion in the sport, launching 23XI Racing with Bubba Wallace, a trailblazer for racial equality in Nascar. Jordan has also engaged with fans and artists, including rappers Fat Joe and Jadakiss, to help bring Nascar into the 21st century.As Jordan told King, "I'm excited that I'm connected to this sport. I feel like I watch it through the lens of my father, or with my family – and that matters to me." With 23XI Racing's impressive start to the season, it's clear that Michael Jordan has found a new passion and a winning formula in Nascar.

The Strategic Duality of Amazon's AI PortfolioAWS CEO Matt Garman has officially validated a strategy that seemed contradictory on the surface: investing billions in both OpenAI and Anthropic. Speaking at the HumanX conference in San Francisco, Garman addressed the inevitable questions regarding the $50 billion investment in OpenAI following the long-standing $8 billion investment in Anthropic.Garman, a veteran of Amazon since 2005, argued that this is not a conflict of interest, but a standard operating procedure for the cloud giant. He explained that AWS has long accepted the reality that it must compete with the very partners that help it succeed.Analyzing the $50 Billion Dual-Track StrategyThe core of Garman's argument lies in the interconnected nature of technology. He noted that in AWS's earliest years, the company realized it could not build every cloud offering itself. Instead, they built a "muscle" for navigating the complex market where partners often become competitors.Historical Context: In 2006, it was radical for partners to compete with those who helped them succeed.Current Reality: Today, even Oracle sells its database services directly on AWS, a direct competitor to Amazon's own database offerings.Competitive Promise: AWS has promised partners they will not grant themselves an unfair competitive advantage.Redefining the Cloud Partner EcosystemThe AI landscape is mirroring this historical shift. When Anthropic raised its latest $30 billion round in February, it included investors who were also backing OpenAI, such as Microsoft. Garman pointed out that this is the new normal in the "wild, money-grabbing world of AI."For AWS, the OpenAI investment was a strategic imperative. Both OpenAI and Anthropic models were already available on Microsoft's cloud, AWS's biggest rival. By investing in OpenAI, Amazon ensured it remained a technology development partner rather than being locked out of the loop.The Future of Model Routing and Homegrown IntegrationGarman predicts that the industry will move toward AI model-routing services. These services will allow customers to automatically switch between different models based on task requirements—such as using a cheaper model for code completion and a powerful model for complex reasoning.This routing capability is the key to how Amazon and Microsoft will slip their own homegrown models into usage, effectively recreating the "competing with your partners" dynamic that defines the modern cloud era.