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Theories differ, but most say plan for the ‘retirement smile’ spending pattern

Focusing on what unites us is key to getting past the challenges of having workers aged 18-80

The HTSI guide to expressing your gratitude, with the world’s chicest stationery

Pressure on Vladimir Putin and security guarantees for Kyiv are essential

Why it’s critical to watch how your staff behave when change is afoot. Plus the Office Therapy advice column

Merchants that buy and sell excess merchandise from top brands might benefit from the trade war

Also in this week’s newsletter: why it’s in Brussels’ interest to deepen energy co-operation with the UK

Research shows that for companies, investing in employee wellbeing pays off

If you’re looking for inspiration for managing your money more effectively in 2024, …

Scrap creditor sequencing and let them talk