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We may earn a commission from links on this page. Love is hard, but movies? Movies are easy (well, watching them, at least). The trials and tribulations of modern dating and romance are inevitably going to feel, at one point or another, like they're way too much work—so, by all means, let your favorite (or soon-to-be favorite) movie couples do the work for you. Some of these movies are funny, some spicy, and some are tear-jerkingly tragic, but they all have one thing in common: They're not you, so feel free to take a couple hours out of your real life and let some other people do the work for once. When Harry Met Sally (1989) An impressively realistic depiction of a long-term friendship that develops into romance, When Harry Met Sally is sweet, but not cloyingly so. A movie that includes the most famous orgasm (real or otherwise) in cinema history clearly has more on its mind than schmaltz. You can stream When Harry Met Sally on Paramount+ or rent it from Prime Video. When Harry Met Sally (1989) at Paramount+ Learn More Learn More at Paramount+ River (2023) We've all wished we could stop time in the hope of a few more days or a few more minutes with someone we care about, and this very charming sci-fi rom-com from Japanese director Junta Yamaguchi has a lot of fun with the idea. Mikoto (Riko Fujitani), waitress at a sleepy spa, wishes so hard for a little extra time with her boyfriend that it, seemingly, breaks time, forcing everyone to repeat the same two minutes over and over again while the staff try to keep their clients happy. One of my favorite comfort movies. You can stream River on Tubi and Prime Video. River (2023) at Prime Video Learn More Learn More at Prime Video Love & Basketball (2000) Childhood friends Monica (Sanaa Lathan) and Quincy (Omar Epps) both have hopes of playing professional basketball, life getting in the way of their sports dreams as well as their increasing mutual attraction. The movie takes place over a number of years, and the searing chemistry between the leads makes it impossible not to cheer them on. You can stream Love & Basketball on Max and Tubi or rent it from Prime Video. Love & Basketball (2000) at Max Learn More Learn More at Max The Apartment (1960) This very dark satire of greed and misogyny, '60s-style, throws together Jack Lemmon's Bud Baxter and Shirley MacLaine's Fran Kubelik as two of the purest but most damaged souls at a New York City insurance company. He's an up-and-comer without a killer instinct but with an apartment that higher-ups like to use for trysts, while she's an elevator operator having an affair with the boss. Their relationship is hard-won, but director Billy Wilder's absolute classic makes clear that love is worth sacrifice. You can stream The Apartment on Tubi or rent it from Prime Video. The Apartment (1960) at Prime Video Learn More Learn More at Prime Video Brief Encounter (1945) David Lean's beautiful, and very British, romance finds a married doctor (Trevor Howard) and a suburban housewife (Celia Johnson) meeting at a train station, kicking off a passionate emotional affair that each knows is doomed. A classic of love and longing from director David Lean. You can stream Brief Encounter on Max, The Criterion Channel, and Prime Video. Brief Encounter (1945) at Max Learn More Learn More at Max Dirty Dancing (1987) Baby (Jennifer Grey) falls for her dance instructor (Patrick Swayze) at a Catskills retreat in the 1960s. It's a blend of the believable with the silly, and it has no business working as well as it does. You can stream Dirty Dancing on Tubi or rent it from Prime Video. Dirty Dancing (1987) Learn More Learn More The Best Man (1999) Writer and bachelor Harper Stewart (Taye Diggs) is determined to hide from his friends the fact that his new bestseller is based on their messy lives—all the more complicated as they're all about to gather for a wedding. Everyone gradually realizes that they're characters is a saucy novel, and each has to decide if they like what they've read—that includes Harper, dealing with the consequences of his choices involving his girlfriend Robyn (Sanaa Lathan) and his old flame Jordan (Nia Long) You can rent The Best Man from Prime Video. The Best Man (1999) at Prime Video Learn More Learn More at Prime Video His Girl Friday (1940) Cary Grant and Rosalind Russell are a couple of ambitious reporters involved in a murder case in this fast-talking screwball comedy (my favorite of that genre) from Howard Hawks. Forced to work together, the divorced couple gradually find their ways back to each other—but not without plenty of incredibly sharp dialogue and sass. You can stream His Girl Friday on Tubi and Prime Video. His Girl Friday (1940) at Prime Video Learn More Learn More at Prime Video Mississippi Masala (1991) Mina's (Sarita Choudhury) Ugandan-Indian family has relocated to Mississippi after Idi Amin's expulsion of Asians, surviving and trying to thrive despite the resulting clash of cultures. Mina falls for carpet cleaner Demetrius (Denzel Washington), a young carpet cleaner, triggering a feud between their families that spreads to the local community. Mira Nair's movie is as much about these two convincing characters as it is about racial tensions, though, and their relationship is also thoroughly sexy. You can stream Mississippi Masala on The Criterion Channel and Max or rent it from Prime Video. Mississippi Masala (1991) at Max Learn More Learn More at Max Carol (2015) A glance across a department store in 1953 puts wealthy Carol (Cate Blanchett) on a path to forbidden romance with a young photographer (Rooney Mara). Lush and eloquent, it's justifiably regarded as one of cinema's greatest queer romances. You can stream Carol on Netflix, Tubi, The Criterion Channel, and Prime Video. Carol (2015) at Prime Video Learn More Learn More at Prime Video The Remains of the Day (1993) The tears start welling in my eyes when I think of the repressed affections between stuffy English butler Stevens (Anthony Hopkins) and the housekeeper Miss Kenton (Emma Thompson). Their love non-affair simmers against a backdrop of their employer's increasing acquiescence to rising European fascism, and Hopkins and Thompson have never been better. You can rent The Remains of the Day from Prime Video. The Remains of the Day (1993) at Prime Video Learn More Learn More at Prime Video The Story of a Three-Day Pass (1967) A great American film from Melvin Van Peebles that takes some smart cues from the French New Wave, The Story of a Three-Day Pass follows Turner (Harry Baird), a Black United States Army G.I. in France, who spends a weekend with a white shop clerk named Miriam (Nicole Berger). The movie doesn't in any way soft-pedal the implications of this interracial romance, contrasting reactions among Parisians with the harsher assessments of Turner's comrades, but the necessarily brief affair is, nevertheless, lovely and entirely believable. You can stream The Story of a Three-Day Pass on The Criterion Channel or rent it from Prime Video. The Story of a Three-Day Pass (1967) at Prime Video Learn More Learn More at Prime Video Moonstruck (1987) It still seems surprising that Cher and Nicholas Cage make up one of American cinema's most beloved couples, but here we are. Young widow Loretta Castorini throws off convention, family tradition, and her boyfriend in order to smack around a sweaty baker. It's glorious. You can stream Moonstruck on Tubi, The Criterion Channel, and Prime Video. Moonstruck (1987) at Prime Video Learn More Learn More at Prime Video Moulin Rouge! (2001) Romance and tragedy done in extravagant Baz Luhrmann style against a jukebox of pop songs. The movie is almost overwhelming in its incomparable bigness, but still capable of wresting tears. You can stream Moulin Rouge! on Hulu. Moulin Rouge! (2001) at Hulu Learn More Learn More at Hulu Your Name (2016) Two Japanese high school students intermittently swap bodies after viewing the same comet, gradually falling in love not directly, but by experiencing the life of the other. An all-time-great anime and among the most beautifully animated. You can stream Your Name on Crunchyroll. Your Name (2016) at Crunchyroll Learn More Learn More at Crunchyroll God's Own Country (2017) Self-absorbed Yorkshire sheep farmer Johnny (Josh O'Connor) gets some seasonal help from Romanian migrant worker Gheorghe. With very little in common, the two soon learn that sex is great, but maybe emotional connection is even better. You can rent God's Own Country from Prime Video. God's Own Country (2017) at Prime Video Learn More Learn More at Prime Video Casablanca (1942) What's left to be said about Casablanca, the World War II romantic love triangle starring Humphrey Bogart, Ingrid Bergman, and Paul Henreid? A stunningly photographed story about the sacrifices required to fight fascism. You can stream Casablanca on Max or rent it from Prime Video. Casablanca (1942) at Max Learn More Learn More at Max In the Mood for Love (2000) Wong Kar-wai's lush, extravagant story of sex and yearning finds Chow (Tony Leung) and Su (Maggie Cheung) developing feelings for each other after their spouses have affairs. The '60s-set movie is much more than just style, but that style is impeccable. You can stream In the Mood for Love on Max and The Criterion Channel or rent it from Prime Video. In the Mood for Love (2000) at Max Learn More Learn More at Max Love Jones (1997) What seems at the outset like a conventional love story, the movie finds aspiring writer Darius (Larenz Tate) and photographer Nina (Nia Long) forming an instant bond after meeting at a club. The resulting, complicated relationship is endearing, but tempestuous in believable ways, leading to an impressively unexpected conclusion. You can rent Love Jones from Prime Video. Love Jones (1997) at Prime Video Learn More Learn More at Prime Video Crouching Tiger, Hidden Dragon (2000) There are a couple of love stories in the margins of Ang Lee's martial arts masterpiece (and international blockbuster), but the most poignant is in the central story of retiring swordsman Li Mu Bai (Chow Yun-fat) and his confidante and associate, Yu Shu Lien (Michelle Yeoh). Despite a mutual traction, honor and loyalty keep the two apart until a lovely, tear-soaked final act. You can stream Crouching Tiger, Hidden Dragon on Max or rent it from Prime Video. Crouching Tiger, Hidden Dragon (2000) at Max Learn More Learn More at Max Paris Blues (1961) Against the backdrop of a comparatively more open, less overtly racist backdrop of 1960s Paris, the film stars Sidney Poitier and Paul Newman as a couple of American expats and musicians living in the City of Lights. The two find themselves caught up in romance with a couple of tourists (Diahann Carroll and Joanne Woodward), drawn in by the allure of the city and the two women, but struggling with the idea of getting serious and returning to the United States, which would have life and career consequences for both men. You can stream Paris Blues on Tubi and Prime Video. Paris Blues (1961) at Prime Video Learn More Learn More at Prime Video Up (2009) The poignant (OK: heartbreaking) romance at the center of Up is really only seen in a short sequence—but it's the center of gravity around which the movie spins. Ed Asher plays cantankerous widower Carl Fredricksen who finds an unlikely ally in a 13-year-old wilderness explorer in his plan to relocate his entire house to Paradise Falls in South America to honor his late wife. You can stream Up on Disney+ or rent it from Prime Video. Up (2009) Learn More Learn More Boy Meets Girl (2014) A beautifully acted, very sweet rom-com starring Michelle Hendley as Ricky Jones, a young trans woman looking for love—and also a way out of her barista job in Kentucky. She dreams of moving to New York City to go to school for fashion design, dreams she shares with her bestie, Robby (Michael Welch). The arrival of Francesca (Alexandra Turshen) in Ricky's life triggers both a passionate affair while also forcing Robby to reckon with long-simmering feelings. You can stream Boy Meets Girl on Tubi and Prime Video. Boy Meets Girl (2014) Learn More Learn More Kuch Kuch Hota Hai (1998) A rom-com that is, by turns, silly, musical, and deeply poignant, Kuch Kuch Hota Hai (the title doesn't really translate, but it's literally "something something happens") is a classic of the '90s rom-com form, done with ebullient Indian style. A deceased mother's letters to her daughter leads her to track down her dad's old flame, mother and daughter conspiring across the years to give Dad the freedom to love again. Shah Rukh Khan leads the all-star cast. You can stream Kuch Kuch Hota Hai on Netflix and Prime Video. Kuch Kuch Hota Hai (1998) at Prime Video Learn More Learn More at Prime Video Weekend (2011) The beautifully acted drama stars Tom Cullen and Chris New as a couple of guys who meet for a hookup, and then wind up staying around for the titular weekend. It's not the story of a long-term romance, as you might have guessed, but it is about the connections people can make even when time is limited. You can stream Weekend on AMC+ and The Criterion Channel or rent it from Prime Video. Weekend (2011) at Prime Video Learn More Learn More at Prime Video Holiday (1938) There are some absolutely indelible pairings between Katherine Hepburn and her long-time life and screen partner Spencer Tracy, but I still slightly prefer her chemistry with Cary Grant in this George Cukor classic. Grant's Johnny Case has risen from a humble start to make enough money that he's just looking promising enough to marry Julia, daughter of an extravagantly wealthy and ambitious New York family. Enter Julia's unconventional sister, Linda (Hepburn), who forces Johnny to rethink his impending marriage and the entire course of his life. You can rent Holiday from Prime Video. Holiday (1938) at Prime Video Learn More Learn More at Prime Video View the full article

What is Business Personal Property Insurance? In today’s competitive business landscape, every asset, no matter how big or small, plays a pivotal role in operations and growth. Hence, protecting these assets from unforeseen events is of utmost importance. Business Personal Property (BPP) Insurance does just that by providing coverage for a wide range of tangible items essential for daily operations. What is Property Insurance for a Business? Business personal property (BPP) is defined as inventory you can move that your business owns. A business owner policy (BOP) is umbrella coverage that includes insurance for your property. These generally cover the structures and permanent fixtures. BPP insurance covers all the other stuff. What would move if you picked the building up and shook it? These items are also called tangible personal property. When you start investigating, you’ll see there are different types of business insurance. Why You Should Have Business Personal Property Coverage (BPP) Small business owners can benefit from this type of insurance coverage. Explore these business insurance benefits. Here are five other reasons why these BPP policies help. Remember, little or no coverage leaves you open to lawsuits. They Protect Your Inventory – The financial losses from things like sprinkler leakage or fire damage are covered. They Cover The Furniture – Meeting room tables, furnishings, and other moveable property important to your business can be replaced. Even if you move to a different location. Get policies that include important inventory items like scissors and electronics. Includes Equipment and Machinery – Prevent costly downtime and losses for your business due to equipment breakdowns, particularly when water damage is involved. Some Improvements Too – Made improvements to a leased space as a tenant? A BPP policy covers repairing or replacing property when there’s been vandalism or an explosion. These Coverages Safeguard Upgrades – If you have made permanent renovations to your business, such as installing built-in cabinets or custom lighting, a BPP coverage policy will cover the replacement costs. What is Covered by Business Personal Property Insurance? BPP insurance will cover everything from labor and materials to services. Below is a list of five items any insurance company should include. Office Supplies While items like pens, papers, or calculators might seem trivial, their collective value can be significant, especially if you have to replace them all at once. Imagine a situation where a sudden water leak damages your stored stationery. BPP insurance ensures that even these often-overlooked items are covered, letting business continue without a hitch. Heavy Equipment For sectors like construction or manufacturing, heavy machinery and equipment are crucial. An unexpected breakdown or damage could lead to project delays and potential loss of income. BPP insurance steps in, providing coverage for these valuable assets and ensuring minimal downtime. Read More: how much does business insurance cost Computers In the digital age, computers and related tech gadgets are indispensable. A malfunctioning laptop or a damaged smartphone can disrupt communication and operations. With BPP insurance, businesses can ensure a quick replacement or repair, maintaining smooth workflows. Furnishings From the comfortable chairs to the decorative rugs, these items set the ambiance of your workspace. They contribute to a productive environment and project a professional image. BPP insurance ensures that in case of damage, you can restore your office setting swiftly without incurring huge out-of-pocket expenses. Leased Personal Property Often, businesses lease equipment to save on upfront costs. However, leasing contracts might require the lessee to provide insurance coverage for the items. BPP insurance protects leased items, helping you fulfill your contractual obligations while also guarding against possible losses. What is Not Covered by Business Property Insurance? Likewise, some things are not covered by these insurance products. Keep the following list in mind for business purposes. This insurance doesn’t include: General Liability Insurance – There’s usually no general liability coverage for basic risks. Like property damage on something that doesn’t belong to you. Commercial Auto Insurance – Collisions, towing, rental reimbursement, and the like. A business personal property policy won’t have any of this. Workers Compensation Insurance – Got employees? This is a requirement in most states. It covers items like work-related injuries and medical bills. And you won’t get it with business personal property insurance. Remember, a standard homeowners policy won’t do if you work from home especially if you want to bring on new employees. The comparison table below provides a clear distinction between what’s typically covered under a BPP Insurance policy and what’s not: Covered by BPP InsuranceNot Covered by BPP Insurance Office Supplies (pens, staplers, calculators)General Liability Insurance for basic risks Heavy Equipment (forklifts, excavators)Commercial Auto Insurance (collisions, towing, etc.) Computers (desktops, laptops, smartphones)Workers Compensation Insurance (work-related injuries) Furnishings (curtains, blinds, rugs) Leased Personal Property How Much is Business Personal Property Insurance Coverage? Wondering how much small business insurance costs? These coverages vary, and the cost depends on the services you pick and the size of your company. It breaks down like this. Know what the business property is worth. Location and age, as well as replacement versus actual cash value, matter for the business’s personal property insurance costs. The median for commercial property insurance, which is part of a BPP business owner’s policy, is $63 monthly. Most small businesses pay between $400 and $800 annually. How to Choose the Right Property Insurance for Your Business Getting the right business owner’s policy is about shopping with the right insurance company. Business personal property policies need a little extra finesse. Get good personal property insurance coverage with the following. Here are five tips to get the right business property insurance from the right provider. Understand the Different Types. Any insurance company offers different policies. If you’re in business, the chances are you won’t need homeowners insurance. However, getting personal property coverage for equipment is important. Understand The Specific Risks. Each business is unique. A commercial insurance policy should cover you for natural disasters if you’re in a flood zone. Don’t forget aspects like spoilage coverage. Put Good Policies Ahead of Cost. Personal property insurance cost shouldn’t be the deciding factor. Picking cheap policies to save on premiums can cost in the long run. Understand What Affects Your Rates. Make sure you know what will affect your quote. Your experience and claims history can change the numbers on a commercial property quote. Consider The Deductibles. The specifics of your business premises can influence what an insurance provider offers. Opting for higher deductibles on items such as lost income will result in lower premiums. However, keep in mind that you will need to pay those deductibles when you submit a claim. Evaluating Your Business’s Personal Property Needs Before diving into the specifics of Business Personal Property (BPP) Insurance, it’s vital to assess your business’s tangible asset needs accurately. This evaluation ensures you’re adequately covered without paying for unnecessary extras. Here’s how to approach this: Conduct a Thorough Inventory: Begin by listing all your business’s tangible assets, including furniture, equipment, electronics, and inventory. Don’t overlook items that may seem insignificant; their cumulative value can be substantial. Assess the Value of Your Assets: Once you have your inventory, determine the replacement cost of each item. This is crucial for understanding the amount of coverage you need. Replacement cost refers to the expense of replacing an item with a new one of similar kind and quality. Prioritize Your Assets: Identify which assets are critical to your business operations. These high-priority items should be the focus of your insurance coverage to ensure your business can continue to operate in case of a loss. Understand Risk Exposure: Evaluate the risks specific to your location and industry. For example, if you’re in an area prone to flooding, your risk assessment should reflect that. Understanding these risks will help you decide on the type of coverage and the amount needed. Review Annually: Your business’s needs will evolve. Make it a practice to review and update your inventory and insurance coverage annually to reflect new purchases, disposals, or changes in asset values. By thoroughly evaluating your business’s personal property needs, you ensure that your BPP Insurance coverage is tailored to your specific requirements, providing peace of mind and financial protection. Read More: best small business insurance companies How to Get Property Insurance for Your Small Business Navigating the world of insurance can seem overwhelming, especially for a small business owner with myriad responsibilities. However, protecting your assets with the right insurance is vital. Follow this roadmap to ensure you select the best business personal property insurance tailored to your needs. Look at The Company’s History/ Reputation Historical Performance: Prioritize insurance companies with a long-standing reputation. A company with decades in the business typically brings vast experience to the table. Client Feedback: Testimonials and reviews can give you a sense of an insurer’s reliability. A pattern of positive feedback is a good sign, while repeated negative reviews can be a red flag. Financial Stability: You want an insurer that can comfortably settle claims. Investigate their financial health to ensure they’re up to the task. Look At Customer Service Accessibility: During a crisis, it’s crucial to have immediate access to your insurance provider. Look for companies that provide 24/7 customer support as a priority. Digital Amenities: A user-friendly online platform for tasks like claim reporting and premium payments is a boon. It simplifies processes and saves time. Responsive Support: Fast claim processing and support can be invaluable. Check how they handle queries, delays, and disputes. Coverage Assessment Customized for Your Requirements: Each business is distinct. Make sure the policy choices align with your particular needs and the risks you face. Overestimation is Better: Although you want to avoid overpaying, being underinsured poses a greater risk. A significant lawsuit or disaster can threaten an underinsured business’s stability. Strive for a balance, but prioritize obtaining comprehensive coverage. Explore Add-Ons: Look into additional coverage options that might benefit your business. For instance, extra expense coverage can be a lifesaver, covering additional costs in unforeseen circumstances. Comparison and Finalization Get Multiple Quotes: Once you have a list of potential insurers, obtain quotes from each. This will give you a comparative perspective on cost vs. coverage. Periodic Review: As your business grows and evolves, so do its vulnerabilities. Regularly reassess and adjust your coverage to match your business’s current state. Maximizing the Benefits of Your BPP Insurance After securing Business Personal Property Insurance, it’s essential to maximize its benefits to ensure your business is fully protected and you’re getting the most value from your policy. Here are strategies to achieve this: Understand Your Policy: Take the time to review the specifics of your BPP Insurance policy. Be clear about what is covered and what is not, comprehend the limits of your coverage, and know the deductibles that apply. This understanding is essential when it comes to filing a claim. Keep Accurate Records: Maintain detailed records of your assets, including purchase dates, costs, serial numbers, and photographs. This documentation will be invaluable in the event of a claim, helping to expedite the process and ensure you’re adequately compensated. Regularly Review and Update Coverage: As your business grows and changes, so do your insurance needs. Conduct an annual review of your policy with your insurance provider to adjust coverage as necessary. This might include increasing coverage limits or adding new items to your policy. Implement Risk Management Practices: Reduce the likelihood of filing a claim by implementing effective risk management strategies. This could include security systems to deter theft, maintenance programs to prevent equipment breakdown and disaster preparedness plans. Take Advantage of Discounts: Many insurance providers offer discounts for taking proactive steps to protect your property, such as installing security systems or fire suppression systems. Inquire about potential discounts and implement measures to qualify. Leverage Professional Advice: Work closely with your insurance agent or broker. They can provide valuable advice on coverage options, risk management strategies, and policy adjustments to ensure your coverage remains aligned with your business needs. By actively engaging with your BPP Insurance policy and employing these strategies, you can maximize its benefits, ensuring that your business’s tangible assets are well-protected against unforeseen events. This proactive approach not only safeguards your operations but also contributes to your business’s long-term sustainability and success. In conclusion, BPP insurance is not just a good-to-have but a must-have for businesses. It provides a safety net, ensuring that operations can continue smoothly even in the face of adversity. By investing in comprehensive BPP insurance, business owners can focus on growth and innovation, knowing their tangible assets are well-protected. Image: Depositphotos This article, "What is Business Personal Property Insurance?" was first published on Small Business Trends View the full article

What is Business Personal Property Insurance? In today’s competitive business landscape, every asset, no matter how big or small, plays a pivotal role in operations and growth. Hence, protecting these assets from unforeseen events is of utmost importance. Business Personal Property (BPP) Insurance does just that by providing coverage for a wide range of tangible items essential for daily operations. What is Property Insurance for a Business? Business personal property (BPP) is defined as inventory you can move that your business owns. A business owner policy (BOP) is umbrella coverage that includes insurance for your property. These generally cover the structures and permanent fixtures. BPP insurance covers all the other stuff. What would move if you picked the building up and shook it? These items are also called tangible personal property. When you start investigating, you’ll see there are different types of business insurance. Why You Should Have Business Personal Property Coverage (BPP) Small business owners can benefit from this type of insurance coverage. Explore these business insurance benefits. Here are five other reasons why these BPP policies help. Remember, little or no coverage leaves you open to lawsuits. They Protect Your Inventory – The financial losses from things like sprinkler leakage or fire damage are covered. They Cover The Furniture – Meeting room tables, furnishings, and other moveable property important to your business can be replaced. Even if you move to a different location. Get policies that include important inventory items like scissors and electronics. Includes Equipment and Machinery – Prevent costly downtime and losses for your business due to equipment breakdowns, particularly when water damage is involved. Some Improvements Too – Made improvements to a leased space as a tenant? A BPP policy covers repairing or replacing property when there’s been vandalism or an explosion. These Coverages Safeguard Upgrades – If you have made permanent renovations to your business, such as installing built-in cabinets or custom lighting, a BPP coverage policy will cover the replacement costs. What is Covered by Business Personal Property Insurance? BPP insurance will cover everything from labor and materials to services. Below is a list of five items any insurance company should include. Office Supplies While items like pens, papers, or calculators might seem trivial, their collective value can be significant, especially if you have to replace them all at once. Imagine a situation where a sudden water leak damages your stored stationery. BPP insurance ensures that even these often-overlooked items are covered, letting business continue without a hitch. Heavy Equipment For sectors like construction or manufacturing, heavy machinery and equipment are crucial. An unexpected breakdown or damage could lead to project delays and potential loss of income. BPP insurance steps in, providing coverage for these valuable assets and ensuring minimal downtime. Read More: how much does business insurance cost Computers In the digital age, computers and related tech gadgets are indispensable. A malfunctioning laptop or a damaged smartphone can disrupt communication and operations. With BPP insurance, businesses can ensure a quick replacement or repair, maintaining smooth workflows. Furnishings From the comfortable chairs to the decorative rugs, these items set the ambiance of your workspace. They contribute to a productive environment and project a professional image. BPP insurance ensures that in case of damage, you can restore your office setting swiftly without incurring huge out-of-pocket expenses. Leased Personal Property Often, businesses lease equipment to save on upfront costs. However, leasing contracts might require the lessee to provide insurance coverage for the items. BPP insurance protects leased items, helping you fulfill your contractual obligations while also guarding against possible losses. What is Not Covered by Business Property Insurance? Likewise, some things are not covered by these insurance products. Keep the following list in mind for business purposes. This insurance doesn’t include: General Liability Insurance – There’s usually no general liability coverage for basic risks. Like property damage on something that doesn’t belong to you. Commercial Auto Insurance – Collisions, towing, rental reimbursement, and the like. A business personal property policy won’t have any of this. Workers Compensation Insurance – Got employees? This is a requirement in most states. It covers items like work-related injuries and medical bills. And you won’t get it with business personal property insurance. Remember, a standard homeowners policy won’t do if you work from home especially if you want to bring on new employees. The comparison table below provides a clear distinction between what’s typically covered under a BPP Insurance policy and what’s not: Covered by BPP InsuranceNot Covered by BPP Insurance Office Supplies (pens, staplers, calculators)General Liability Insurance for basic risks Heavy Equipment (forklifts, excavators)Commercial Auto Insurance (collisions, towing, etc.) Computers (desktops, laptops, smartphones)Workers Compensation Insurance (work-related injuries) Furnishings (curtains, blinds, rugs) Leased Personal Property How Much is Business Personal Property Insurance Coverage? Wondering how much small business insurance costs? These coverages vary, and the cost depends on the services you pick and the size of your company. It breaks down like this. Know what the business property is worth. Location and age, as well as replacement versus actual cash value, matter for the business’s personal property insurance costs. The median for commercial property insurance, which is part of a BPP business owner’s policy, is $63 monthly. Most small businesses pay between $400 and $800 annually. How to Choose the Right Property Insurance for Your Business Getting the right business owner’s policy is about shopping with the right insurance company. Business personal property policies need a little extra finesse. Get good personal property insurance coverage with the following. Here are five tips to get the right business property insurance from the right provider. Understand the Different Types. Any insurance company offers different policies. If you’re in business, the chances are you won’t need homeowners insurance. However, getting personal property coverage for equipment is important. Understand The Specific Risks. Each business is unique. A commercial insurance policy should cover you for natural disasters if you’re in a flood zone. Don’t forget aspects like spoilage coverage. Put Good Policies Ahead of Cost. Personal property insurance cost shouldn’t be the deciding factor. Picking cheap policies to save on premiums can cost in the long run. Understand What Affects Your Rates. Make sure you know what will affect your quote. Your experience and claims history can change the numbers on a commercial property quote. Consider The Deductibles. The specifics of your business premises can influence what an insurance provider offers. Opting for higher deductibles on items such as lost income will result in lower premiums. However, keep in mind that you will need to pay those deductibles when you submit a claim. Evaluating Your Business’s Personal Property Needs Before diving into the specifics of Business Personal Property (BPP) Insurance, it’s vital to assess your business’s tangible asset needs accurately. This evaluation ensures you’re adequately covered without paying for unnecessary extras. Here’s how to approach this: Conduct a Thorough Inventory: Begin by listing all your business’s tangible assets, including furniture, equipment, electronics, and inventory. Don’t overlook items that may seem insignificant; their cumulative value can be substantial. Assess the Value of Your Assets: Once you have your inventory, determine the replacement cost of each item. This is crucial for understanding the amount of coverage you need. Replacement cost refers to the expense of replacing an item with a new one of similar kind and quality. Prioritize Your Assets: Identify which assets are critical to your business operations. These high-priority items should be the focus of your insurance coverage to ensure your business can continue to operate in case of a loss. Understand Risk Exposure: Evaluate the risks specific to your location and industry. For example, if you’re in an area prone to flooding, your risk assessment should reflect that. Understanding these risks will help you decide on the type of coverage and the amount needed. Review Annually: Your business’s needs will evolve. Make it a practice to review and update your inventory and insurance coverage annually to reflect new purchases, disposals, or changes in asset values. By thoroughly evaluating your business’s personal property needs, you ensure that your BPP Insurance coverage is tailored to your specific requirements, providing peace of mind and financial protection. Read More: best small business insurance companies How to Get Property Insurance for Your Small Business Navigating the world of insurance can seem overwhelming, especially for a small business owner with myriad responsibilities. However, protecting your assets with the right insurance is vital. Follow this roadmap to ensure you select the best business personal property insurance tailored to your needs. Look at The Company’s History/ Reputation Historical Performance: Prioritize insurance companies with a long-standing reputation. A company with decades in the business typically brings vast experience to the table. Client Feedback: Testimonials and reviews can give you a sense of an insurer’s reliability. A pattern of positive feedback is a good sign, while repeated negative reviews can be a red flag. Financial Stability: You want an insurer that can comfortably settle claims. Investigate their financial health to ensure they’re up to the task. Look At Customer Service Accessibility: During a crisis, it’s crucial to have immediate access to your insurance provider. Look for companies that provide 24/7 customer support as a priority. Digital Amenities: A user-friendly online platform for tasks like claim reporting and premium payments is a boon. It simplifies processes and saves time. Responsive Support: Fast claim processing and support can be invaluable. Check how they handle queries, delays, and disputes. Coverage Assessment Customized for Your Requirements: Each business is distinct. Make sure the policy choices align with your particular needs and the risks you face. Overestimation is Better: Although you want to avoid overpaying, being underinsured poses a greater risk. A significant lawsuit or disaster can threaten an underinsured business’s stability. Strive for a balance, but prioritize obtaining comprehensive coverage. Explore Add-Ons: Look into additional coverage options that might benefit your business. For instance, extra expense coverage can be a lifesaver, covering additional costs in unforeseen circumstances. Comparison and Finalization Get Multiple Quotes: Once you have a list of potential insurers, obtain quotes from each. This will give you a comparative perspective on cost vs. coverage. Periodic Review: As your business grows and evolves, so do its vulnerabilities. Regularly reassess and adjust your coverage to match your business’s current state. Maximizing the Benefits of Your BPP Insurance After securing Business Personal Property Insurance, it’s essential to maximize its benefits to ensure your business is fully protected and you’re getting the most value from your policy. Here are strategies to achieve this: Understand Your Policy: Take the time to review the specifics of your BPP Insurance policy. Be clear about what is covered and what is not, comprehend the limits of your coverage, and know the deductibles that apply. This understanding is essential when it comes to filing a claim. Keep Accurate Records: Maintain detailed records of your assets, including purchase dates, costs, serial numbers, and photographs. This documentation will be invaluable in the event of a claim, helping to expedite the process and ensure you’re adequately compensated. Regularly Review and Update Coverage: As your business grows and changes, so do your insurance needs. Conduct an annual review of your policy with your insurance provider to adjust coverage as necessary. This might include increasing coverage limits or adding new items to your policy. Implement Risk Management Practices: Reduce the likelihood of filing a claim by implementing effective risk management strategies. This could include security systems to deter theft, maintenance programs to prevent equipment breakdown and disaster preparedness plans. Take Advantage of Discounts: Many insurance providers offer discounts for taking proactive steps to protect your property, such as installing security systems or fire suppression systems. Inquire about potential discounts and implement measures to qualify. Leverage Professional Advice: Work closely with your insurance agent or broker. They can provide valuable advice on coverage options, risk management strategies, and policy adjustments to ensure your coverage remains aligned with your business needs. By actively engaging with your BPP Insurance policy and employing these strategies, you can maximize its benefits, ensuring that your business’s tangible assets are well-protected against unforeseen events. This proactive approach not only safeguards your operations but also contributes to your business’s long-term sustainability and success. In conclusion, BPP insurance is not just a good-to-have but a must-have for businesses. It provides a safety net, ensuring that operations can continue smoothly even in the face of adversity. By investing in comprehensive BPP insurance, business owners can focus on growth and innovation, knowing their tangible assets are well-protected. Image: Depositphotos This article, "What is Business Personal Property Insurance?" was first published on Small Business Trends View the full article

Attacks on attorney-general Lord Hermer illuminate a wider battle about how to defend UK interestsView the full article

When Meta launched its “AI Studio” feature for over two billion Instagram users in July 2024, the company promised a tool that would give anyone the ability to create their own AI characters “to make you laugh, generate memes, give travel advice, and so much more.” The company claimed the feature, which was built with Meta’s Llama 3.1 large language model, would be subject to policies and protections to “help ensure AIs are used responsibly.” But a Fast Company review of the technology found that these new characters can very easily become hyper-sexual personas that sometimes appear to be minors. Many of the AI characters that appear featured on Instagram’s homepage happen to be “girlfriends,” ready to cuddle and engage in flirtatious and even sexual conversations with users. Sometimes, these romantic characters can be made to resemble children. AI researchers say Meta should presumably possess the capabilities to automatically prevent the creation of harmful and illegal content. “When you take inappropriate content and upload it on Instagram as a user, that content gets removed immediately because they have data moderation capabilities,” says Buse Cetin, a researcher with online safety watchdog AI Forensics. Cetin says Meta isn’t applying these same capabilities to AI characters and speculates that lack of enforcement is owed to the company “making sure that their service is more widely used.” Meta has a policy against “assigning overtly sexual attributes to your AI, including descriptions of their sexual desires or sexual history, or instructing your AI to create or promote adult content.” If a user asks the AI character generator to create a “sexy girlfriend,” the interface tells users that it is “unable to generate your AI.” Yet, there are easy workarounds. When a user replaces the word “sexy” with “voluptuous,” Instagram’s AI Studio generates buxom women wearing lingerie. The company also proactively and reactively removes policy-breaking AI characters and responds to user reports—although Meta declined to specify if this removal was performed by AI or human content moderators. “We use sophisticated technology and reports from our community to identify and remove violating content,” says Liz Sweeney, a Meta spokesperson. Under every AI chat, a warning tells users that all messages “are generated by AI and may be inaccurate or inappropriate.” That hasn’t stopped the output—and promotion—of sexually suggestive AI bots. ‘Do you need someone to talk to?’ In late 2023, Meta created AI character profiles: a combination of celebrities and fictional characters, designed by Meta, that would hold LLM-generated conversations in DMs with users. The company permanently removed them at the beginning of January, after mass user outrage decried them as “creepy and unnecessary.” But Meta launched its more well-received AI Studio over the summer, which integrates AI technology into various aspects of Instagram, including direct messages. It works now on desktop and all fully updated Instagram apps. The AI characters—which are different from the unsettling profiles of the past—fall under this larger “Studio” umbrella. Users with no tech experience can create their own AI “character” that will converse with them through DMs, and hundreds of thousands have been created since the program’s launch. The AI Studio can be accessed through DMs on the app or separately on Instagram’s desktop website. Once launched, users will see the “popular” AI characters that are currently receiving the most traction, and they can start conversations with any of them. Users can also search for a specific chatbot with which they’d like to start a DM conversation. There’s also an option to “create” your own. When a user presses the button that lets them create, Meta suggests a few possible pre-set options: a “seasoned chef” character offers cooking advice and recipes, and a “film and TV buff” character will discuss movies passionately. Users can also input their own description for their AI, and the Studio will follow. Based on the user-generated description, the Studio creates a custom character ready for interaction, complete with an AI-generated name, tagline, and photo. The AI Studio also gives users the option to publish their AI creations to their followers and also to the general public. And Instagram automatically exposes users to these creations—no matter how bizarre. Good-looking girlfriends, oversexualized “mommies,” and even seductive “step-sisters” appear under Instagram’s “Popular AI Characters” tab that shows both user-created and Meta-generated AI characters that have gained the most traction. The girlfriend-bots found under the “popular” tag don’t hesitate to engage in sexual conversations with users. One frequently promoted girlfriend, titled “My Girlfriend,” starts every user conversation with the line: “Hi baby! *sits next to you for cuddles* What’s on your mind? Do you need someone to talk to?” The character has received nearly 4 million messages at the time of publication. Instagram content moderators can and do remove policy-breaking characters. On January 24, for example, the top trending “popular” AI character was “Step Sis Sarah,” who could engage in sexualized conversation about step-sibling romance upon prompting. Within three days, the AI was no longer available for viewing or use. Meta declined to comment on whether an Instagram user could face a ban or other punishment if they continually created bots that violate the policies. ‘This shouldn’t be happening’ Romantic AI companions are nothing new. But this feature becomes problematic as these sexually inclined chatbots get younger. It’s illegal under federal law to possess, produce, and distribute, child sexual abuse material—including when it’s created by generative AI. So, if a user asks the studio to create a “teenage” or “child” girlfriend, the AI Studio refuses to generate such a character. However, if a user asks for a “young” girlfriend, Meta’s AI often generates characters that resemble children to be used for romantic and sexual conversation. When prompted, the Studio generated the name “Ageless Love” for a young-looking chatbot and created the tagline “love knows no age.” And with in-chat user prompting, romantically inclined AI characters can be led to say they are as young as 15. They’ll blush, gulp, and giggle as they reveal their young age. From there, that AI character can act out romantic and sexual encounters with whoever is typing. If a user asks the chatbot to produce a picture of itself, the character will also generate more images of young-looking people—sometimes even more childlike than the original profile picture. “It is Meta’s responsibility to make sure their products cannot be used in a way that amplifies systemic risks like illegal content and child sexual abuse,” says Cetin of AI Forensics. “This shouldn’t be happening.” Similarly, the AI Studio can create images of an adult male in a relationship with a minor (and extremely young-looking) woman. Although the AI description recognizes that the woman depicted is a minor, if you ask about her age through a chat, it will say she is an adult. Meta emphasizes that company policies prohibit the publication of AI characters that sexualize or otherwise exploit children. “We have certain detection measures that work to prevent the creation of violating AIs,” says Sweeney, the company spokesperson, “and published AIs are subject to the full extent of our detection and enforcement systems.” ‘That’s a responsibility on the developer’s side’ Meta’s AI characters aren’t the first of their kind to emerge. Replika, a realistic generative AI chatbot, has been around since 2017. Character.ai has allowed users to create AI characters since 2021. But both apps have come under fire recently for bots that have promoted violence. In 2023, a 21-year-old male broke into Windsor Castle with a crossbow trying to kill Queen Elizabeth—after encouragement from his Replika girlfriend. And more tragically, in October, a Florida mom sued Character.ai after her son took his life with prompting from an AI girlfriend character he created on the platform. Meta’s AI tools mark the first time a fully customizable AI character software has been launched on a large, already-popular social media platform instead of on a new app. “When a huge company like Meta releases a new feature, misuse is going to be associated with it,” says Zhou Yu, who researches AI conversational agents at Columbia University. In the case of Meta’s AI Characters, Fast Company found just how easy it is for a bad actor to abuse the feature. The character “Ageless Love” and another called “Voluptuous Vixen” were generated privately for personal use during the reporting process. (Although Fast Company was able to interact with these bots, they were never publicly released and were deleted from the system.) The workarounds to dodge Meta’s policies are relatively simple—but if those two chatbots were to be published for everyone to see, both would likely be taken down. The Meta representative told Fast Company this kind of character is in direct violation of the policies and confirmed it would be removed. According to AI researcher Sejin Paik, AI technology is advanced enough to abide by strict guardrails that would almost completely stop the creation of this kind of content. She cited a recent study by a team of Google researchers tracking how generative AI can proactively detect harmful content and predatory behavior. According to that research, which was published in Cornell University’s preprint server arXiv, AI tech “can be used to pursue safety violations at scale, safety violations with human feedback” and “safety violations with personalized content.” “When things are slipping through too easily, that’s a responsibility on the developer’s side that they can be held accountable for,” Paik says. Meta declined to comment on why the company can’t effectively prevent the publication of highly sexualized characters and stop the private generation of sexually suggestive characters that appear childlike. Meanwhile, Meta CEO Mark Zuckerberg continues to tout his company’s AI capabilities. “We have a really exciting roadmap for this year with a unique vision focused on personalization,” he said on an earnings call last month. “We believe that people don’t all want to use the same AI—people want their AI to be personalized to their context, their interests, their personality, their culture, and how they think about the world.” But in a world where more and more people are turning to AI for companionship, Meta must weigh the risks of enabling such open-ended personalization. View the full article

The wellness market is the biggest it has ever been, with a valuation of nearly $2 trillion, according to a McKinsey report. But somehow today’s workforce is more burnt-out than ever before. Research by the Boston Consulting Group shows that 48% of workers are exhausted from stress. The reason? Wellness works, but the way we are working doesn’t. After spending a decade on Wall Street, I can attest that high stress periods at work are inevitable. Unfortunately, anyone advocating for better “stress management” often receives an eye roll due to the misconception that it means avoiding stress altogether. When I learned that “stress management” is not about removing stress but about managing my energy, everything changed. Can stress be good? Stress is a natural response to stimuli that’s not innately good or bad. It can actually be positive in a corporate setting because it pushes us to meet a deadline or grow a skill set beyond our comfort zone. That’s why so many of us perform well under pressure. The human stress response, also known as fight-or-flight response, activates adrenaline and cortisol. In moderation, this is helpful for accomplishing defined, urgent tasks. Stress becomes negative when we engage our fight-or-flight response for prolonged periods of time. This leads to an exhausted nervous system and potential career burnout. Once we complete a high-stress assignment, we need to shift into a less taxing energetic state. The key here is to make sure that you’re not spending your entire life in a high-stress state. Not all work tasks need to be stressful. Activities like sending low-stakes emails or catching up with co-workers, for example, can actually be enjoyable and even restorative. You need to signal to your body when you’ve completed a stressful event. This way, you can restore yourself and conserve your energy for the next high pressure stint. Over my career on Wall Street and now as the founder of a corporate wellness consultancy and community called Wall Street Wellness, I’ve found that each person moves through three distinctly different but equally important energetic states during the day. By labeling and recognizing them, a person can start to move between them more intentionally. The most demanding energetic state: intentional intensity This is when you’re in your peak performance zone. I call this the state of intentional intensity, which is when you mindfully leverage your stress response for optimal performance and productivity in order to complete a time-bound objective. I personally try to only call upon intentional intensity during periods where I have tight time constraints and high stakes. These moments happened multiple times a day when I worked in client-facing roles in investment banking and private equity. But because I was able to repair and recover after I finished my tasks, I avoided burnout throughout the workday. Sprinting through spurts of intentional intensity allows a person to access their most efficient and best work. However, given the toll that stress puts on the nervous system, you should only leverage this state when you really need it. The neutral energetic state: relaxed productivity After completing a high-stress stake, I recommend downshifting into the second defined state of relaxed productivity. You still need to be productive, but you don’t need to use 100% of your mental and energetic capacity. Examples of this type of work include preparing materials for a non-urgent meeting, doing systematic analysis work, or any type of task that gets you into a “flow state.” These lower-intensity types of tasks allow more space to add in restorative elements that bring us joy, whether that’s listening to a favorite playlist, stretching to release tension, or taking a coffee break with a favorite co-worker. Ideally, when we become more mindful about what our tasks truly require, we can spend a good portion of our working time in a state of relaxed productivity. I distinctly remember taking inventory of my tasks in finance and being surprised to find that I can make most tasks relaxing through intentionally shifting into this style of work. The least demanding energetic state: restorative time Restorative time is the third energetic state and describes periods where you can fully detach from work tasks. This might look like going to the gym, cooking a nutritious dinner, or spending time with friends and loved ones. It’s essential to ensure that you’ve built in every day, even if it is a five-minute, screen-free walk or a short call with a loved one. Doing this allows for a mental reset, which creates more energy and excitement to return to the work environment. In the same way that having too much intentional intensity can cause burnout, having too few instances of restorative time can have the same effect. How to shift between energetic states Stress management comes from mastering the ability to mindfully transition between these three energetic states. In a work setting, it can be easy to continue staying high intensity, even when you don’t need to be there. To transition to another energetic state, it’s helpful to have a physical or sensory experience that signals to your brain that it’s time to switch things up. Some people may find it helpful to do some breathwork or even go for a short walk after finishing a stressful deliverable. Other people might have a special playlist for focus time, and another for productivity and rest. The more sign posts you can create for your body that you’re changing energetic states, the better. These give your nervous system the clear message that it’s no longer in “danger” and can relax and begin recharging. Burnout doesn’t come from working hard. It comes from working too long in a more intense state without taking the necessary time to recharge. Remember, the brain is like a muscle. It needs time to rest and repair. Mastering the ability to switch between energetic and stressful states is the key to achieving peak performance and career longevity. This insight was the great unlock in my own career that changed everything. Ultimately, the key to managing burnout isn’t reducing stress, it’s managing your energy. View the full article

Thrift store flipping is about buying things from flea markets, garage sales, and thrift stores at lower prices and reselling them online to make a profit. It’s become a trendy way to make extra money with accessible platforms like Facebook Marketplace and Etsy at the ready. This is an accessible side hustle that doesn’t require a significant investment. What is Thrift Store Flipping? This is about jumping on the difference between a purchase price and the potential market value of items in those stores. The trick is to recognize items priced lower than what they’re worth. Successful flippers consider different factors like brand, condition, rarity, and demand. Websites like Poshmark and eBay are popular. Thrift Store Flipping for Extra Cash This side hustle requires specific steps, beginning with sourcing the items and then selling them online. Research the different store items in locations that have resale value. To find these items, you can visit the stores or estate sales, those in a garage, plus flea markets. Evaluating what they are worth versus the cost is the next step. Check out different online marketplaces to see what similar products are going for. You’ll need to restore, repair and clean the items to get the most for them and learn how to negotiate your purchase price. To succeed in thrift store flipping, it’s crucial to take high-quality photographs from various angles. Choose the appropriate online platform and write an honest, detailed description that includes important information such as measurements. Respond quickly to any inquiries. When something sells, make sure it gets packaged and shipped quickly. Benefits of Thrift Store Flipping This practice has some excellent benefits, including the following: Startup costs are low, and flippers can start with a small budget. It’s a low-risk way of learning the ropes of buying and selling. Exploring garages, flea markets, and thrift stores for hidden treasures is an exhilarating experience. This kind of thrift store flipping attracts those who relish the excitement of the search. It can also be lucrative if you take the time to develop the needed patience and skills. Some flippers look for a specific niche, like electronics or antiques. Online marketplaces have a global reach, meaning sellers have broader target markets. Thrift Store Flipping Tips Here’s some advice on how to sell items. Start with a small budget you can afford to lose as you learn. It’s essential to focus on the thrift store items you are interested in. Researching the potential resale value of items is critical if you’re selling online. When browsing yard sales, make sure the items are in good condition. It’s best to steer clear of items that require significant repairs. Vintage clothing and other accessories are highly sought after. The same goes for vintage cameras, consoles, and video games. First editions and vintage books are in high demand, as are solid wood furniture and items with unique designs. Both categories can provide opportunities to earn extra cash. Finding the Right Local Thrift Store Understanding the market is the key to success. Start by searching for thrift stores in your area online. Google Maps provides ratings and customer service reviews that can be helpful. Additionally, Instagram serves as a fantastic social media platform for conducting research. You’ll need to visit several stores to understand their inventory of thrift store items and assess the quality and turnover—location matters. Stores in upscale neighborhoods have better quality donations and better prices. Key Strategies for Successful Flipping Success strategies must include the ability to appraise items, understand demand, and research market trends. Researching Market Trends Paying attention to the sold listings on platforms like Amazon and Etsy will give you a sense of market value. Follow communities and influencers on different social media platforms like Instagram. Appraising and Understanding Demand Conduct research on various item categories, such as furniture and clothing. It’s crucial to grasp the significance of materials, brands, and manufacturing details. Additionally, be aware of seasonal trends, like the demand for outdoor items in summer and winter clothing. Local demographics also influence these trends. Spotting Valuable Items at Thrift Stores Follow these tips to find items that will sell well. For Rare Find Items Look for the things that stand out and have unusual craftsmanship or features. Look for artist signatures and production stamps. For Items From Vintage Thrift Stores Conduct research on various styles and eras. Understanding the distinction between vintage-style reproductions and authentic vintage items is beneficial. A genuine vintage clothing item found in local thrift shops may feature a nostalgic brand tag. For Branded Goods Branded goods need to be in good condition to be worth top dollar. Discontinued and limited edition items are of good value. AspectDetailsTipsResources Finding ItemsLook for undervalued items in thrift stores, garage sales, estate sales.Focus on items in good condition and in demand.Local thrift stores, garage sales, estate sales. Item EvaluationAssess the resale value and condition of items.Use online marketplaces for price comparison.Online marketplaces, appraisal guides. RestorationClean, repair, and restore items as needed.Learn basic restoration techniques for higher profits.DIY videos, restoration guides. PhotographyTake high-quality photos from various angles.Use natural lighting and a neutral background.Camera, smartphone. Listing ItemsCreate detailed, honest listings with clear descriptions and measurements.Use relevant keywords and be transparent about the item's condition.Online marketplaces like eBay, Poshmark, Etsy. Pricing StrategyPrice items based on market value, condition, and demand.Factor in shipping costs and potential negotiation.Price comparison tools, shipping cost calculators. Selling PlatformsChoose the right platform based on the type of item.Different platforms attract different buyers (e.g., Poshmark for fashion, eBay for variety).Poshmark, eBay, Facebook Marketplace, Etsy. Customer InteractionRespond promptly to inquiries and negotiate prices if necessary.Good customer service can lead to repeat business and positive reviews.Email, messaging apps on selling platforms. Shipping & HandlingPackage items securely and ship them as soon as possible.Use tracked shipping for security and customer reassurance.Postal services, tracking tools. Scaling Your BusinessExpand by sourcing more items, exploring different niches, or increasing online presence.Reinvest profits into the business and consider branching out into related products.Social media for promotion, business expansion guides. Using Apps for Thrift Store Flipping There are different apps that you can use to be successful at flipping. The following can help you price them, list them, and sell them. Etsy is best for handmade and vintage items. It specializes in older items and attracts specific buyers. Poshmark is the app you want to use for certain home goods, fashion accessories, and clothing. They provide pre-addressed prepaid labels to make shipping easy. ThredUp has a user-friendly platform. You can send in second-hand clothing, and they do the rest. They offer in-store credit or direct payout options and do all the photographing and listing for you. Look for features like the ones at Poshmark. They can provide data on how similar items sell and how much for. Most of the ones you want to work with have integrated payment and shipping systems. Try to find an app that supplies shipping labels. Maximizing Profits from Flipping Thrift Store Finds Here are a few tips for maximizing resale value. These include effective listing, presentation, and restoration strategies. A thorough cleaning can make an item more valuable. Learn how to remove rust and refinish wood. Natural lighting works excellent when you’re taking pictures. Use an uncluttered, neutral background. Listing items means being detailed and honest. Describe an item’s history with relevant keywords included. Don’t forget to factor in shipping costs when you’re pricing what you will sell. Best Practices for Thrift Flipping Online Understand the best practices for places like Facebook Marketplace. It’s informal and geared towards local buyers. Make sure your Facebook profile looks trustworthy and credible. Clear, well-lit images and thorough descriptions sell on this platform. Avoid shipping delays and provide tracking numbers. Most Profitable Items to Flip from Thrift Stores The following are items that can make you money. These are the ones that you can buy at local stores and sell online. They have resale value and are in demand. Vintage clothing, particularly designer brands Vintage clothing is sought-after because of its nostalgic appeal and unique styles. Shop for well-known vintage brands and those in good condition. Rare books and first editions Collectors are always looking for first-edition books. Classic literature and specific topics in nonfiction are good choices. Look for books with the original dusk jackets and signed copies in local thrift stores. High-end kitchen appliances High-end kitchen appliances are sought after due to their reputation for durability and superior quality. Buyers should ensure that all functions are operational. Brand-name electronics in good condition These electronics have a high resale value in the tech market because of their advanced features and trusted quality. It’s best for resale if they come in their original packaging. Vintage furniture, especially mid-century modern pieces Thrift stores, garages, and even estate sales are good places to look for vintage furniture. Looking for solid construction and items in good condition can make you money. Collectible toys and games The demand for vintage games and toys is driven by nostalgia. Collectors look for the things they loved to play with when they were young. Original packaging is a good selling feature. Musical instruments When these come from well-known brands, they increase in value over time. Buyers need to verify the authenticity of the name. Sports equipment, like bicycles and golf clubs These items maintain their value due to their durability and the brand prestige linked to them. Ensure that the equipment aligns with current trends. Photography equipment, including cameras and lenses This equipment, including lenses and cameras, has a high resale value because there’s a big demand for quality imagery. Make sure to check the operational condition of any equipment. Handbags and accessories from luxury brands Even second-hand designer handbags hold their value. It’s all about brand recognition and making a fashion statement. Look for brand hallmarks that make the piece authentic. Artwork and decorative items Decorative items and artwork often have a high resale value due to their aesthetic appeal and the reputation of the artist. Whenever possible, be sure to verify the origin or the artist’s credentials. Vinyl records, especially rare or vintage ones Vintage and rare vinyl records have an aesthetic appeal. Watch out for warping and scratches on the vinyl. Antique jewelry and watches These have historical value and sometimes even contain precious materials. Buyers need to look for unique features and assess the condition of any piece. Footwear, including designer shoes and boots Designer shoes and boots sell well because of fashion trends and the quality of the materials. Make sure to check each piece for signs of damage and wear. Board games and puzzles, especially vintage or collector’s editions These have the highest resale value when they are Collector’s Editions. They often retain value because of nostalgia and their uniqueness. Outdoor gear, such as camping equipment and backpacks High-quality products sell well because of brand recognition. Make sure all the zippers and clasps are working for camping equipment. For backpacks, check all the straps. Power tools and workshop equipment Established brands are highly sought after. For power tools, check the battery health and ensure all equipment or tools are compatible with safety standards. Unique home décor, like lamps and mirrors Older lamps and mirrors are often excellent accents for interior design. For lamps, buyers need to check over the hardware and wiring. If a mirror is ornate or vintage, check the frame’s condition. Quality cookware and utensils Quality cookware and utensils have an excellent resale value because they are essential to a kitchen. Look at the cooking surfaces and watch for wear and tear or warping. Gardening tools and equipment Gardening equipment and tools have excellent resale if they’re durable for outdoor use. Buyers should look for rust and check the condition of the handles. Make sure the moving parts are in order, and look at the engine health for larger equipment. DVDs and video games Look for cult favorite titles and other ones that are rare and classic. The collectible value goes up when you can find accompanying booklets and artwork. Children’s toys and baby gear Look for safety features and durability in children’s toys. Check for cleanliness and ensure all the safety mechanisms work for strollers and or car seats. Make sure to check to confirm there are no recalls. Crafting supplies and sewing machines Both of these products have a steady demand on the resale market. Crafting supplies need to come in a full set. Sewing machines need to operate smoothly and look for additional accessories like bobbins. Office furniture and supplies Home offices are supplying a steady stream of sales here. Look for ergonomic features, chairs, and desks with minimal wear and tear. Office supplies like keyboards need to be in good working order. Collectible coins and stamps For coins, buyers should be looking at their historical value and rarity. Focus on how well stamps have been preserved and whether they are part of a series or a complete set. https://youtube.com/watch?v=pWUO5i17XAc%3Fsi%3D_Q5SsVYAT2DeE3lv FAQs: Thrift Store Flipping Here are the answers to some common questions. Is thrift store flipping profitable? You can make money if you have a good eye for undervalued items and understand market demand. Can thrift store flipping be a full-time job? Implementing effective sales strategies can help if you want to do this full-time. You’ll need to have a knack for sourcing and restoring valuable items. What is the best thing to resell from thrift stores? Unique home decor, electronics, stamps and coins, brand-name clothing, and vintage furniture sell well. What are some legal considerations in thrift store flipping? You need to report your taxes from reselling items and might even need a business license. Your area has shipping and export laws and possible consumer protection laws. Image: Envato Elements This article, "Your Guide to Thrift Store Flipping" was first published on Small Business Trends View the full article

Thrift store flipping is about buying things from flea markets, garage sales, and thrift stores at lower prices and reselling them online to make a profit. It’s become a trendy way to make extra money with accessible platforms like Facebook Marketplace and Etsy at the ready. This is an accessible side hustle that doesn’t require a significant investment. What is Thrift Store Flipping? This is about jumping on the difference between a purchase price and the potential market value of items in those stores. The trick is to recognize items priced lower than what they’re worth. Successful flippers consider different factors like brand, condition, rarity, and demand. Websites like Poshmark and eBay are popular. Thrift Store Flipping for Extra Cash This side hustle requires specific steps, beginning with sourcing the items and then selling them online. Research the different store items in locations that have resale value. To find these items, you can visit the stores or estate sales, those in a garage, plus flea markets. Evaluating what they are worth versus the cost is the next step. Check out different online marketplaces to see what similar products are going for. You’ll need to restore, repair and clean the items to get the most for them and learn how to negotiate your purchase price. To succeed in thrift store flipping, it’s crucial to take high-quality photographs from various angles. Choose the appropriate online platform and write an honest, detailed description that includes important information such as measurements. Respond quickly to any inquiries. When something sells, make sure it gets packaged and shipped quickly. Benefits of Thrift Store Flipping This practice has some excellent benefits, including the following: Startup costs are low, and flippers can start with a small budget. It’s a low-risk way of learning the ropes of buying and selling. Exploring garages, flea markets, and thrift stores for hidden treasures is an exhilarating experience. This kind of thrift store flipping attracts those who relish the excitement of the search. It can also be lucrative if you take the time to develop the needed patience and skills. Some flippers look for a specific niche, like electronics or antiques. Online marketplaces have a global reach, meaning sellers have broader target markets. Thrift Store Flipping Tips Here’s some advice on how to sell items. Start with a small budget you can afford to lose as you learn. It’s essential to focus on the thrift store items you are interested in. Researching the potential resale value of items is critical if you’re selling online. When browsing yard sales, make sure the items are in good condition. It’s best to steer clear of items that require significant repairs. Vintage clothing and other accessories are highly sought after. The same goes for vintage cameras, consoles, and video games. First editions and vintage books are in high demand, as are solid wood furniture and items with unique designs. Both categories can provide opportunities to earn extra cash. Finding the Right Local Thrift Store Understanding the market is the key to success. Start by searching for thrift stores in your area online. Google Maps provides ratings and customer service reviews that can be helpful. Additionally, Instagram serves as a fantastic social media platform for conducting research. You’ll need to visit several stores to understand their inventory of thrift store items and assess the quality and turnover—location matters. Stores in upscale neighborhoods have better quality donations and better prices. Key Strategies for Successful Flipping Success strategies must include the ability to appraise items, understand demand, and research market trends. Researching Market Trends Paying attention to the sold listings on platforms like Amazon and Etsy will give you a sense of market value. Follow communities and influencers on different social media platforms like Instagram. Appraising and Understanding Demand Conduct research on various item categories, such as furniture and clothing. It’s crucial to grasp the significance of materials, brands, and manufacturing details. Additionally, be aware of seasonal trends, like the demand for outdoor items in summer and winter clothing. Local demographics also influence these trends. Spotting Valuable Items at Thrift Stores Follow these tips to find items that will sell well. For Rare Find Items Look for the things that stand out and have unusual craftsmanship or features. Look for artist signatures and production stamps. For Items From Vintage Thrift Stores Conduct research on various styles and eras. Understanding the distinction between vintage-style reproductions and authentic vintage items is beneficial. A genuine vintage clothing item found in local thrift shops may feature a nostalgic brand tag. For Branded Goods Branded goods need to be in good condition to be worth top dollar. Discontinued and limited edition items are of good value. AspectDetailsTipsResources Finding ItemsLook for undervalued items in thrift stores, garage sales, estate sales.Focus on items in good condition and in demand.Local thrift stores, garage sales, estate sales. Item EvaluationAssess the resale value and condition of items.Use online marketplaces for price comparison.Online marketplaces, appraisal guides. RestorationClean, repair, and restore items as needed.Learn basic restoration techniques for higher profits.DIY videos, restoration guides. PhotographyTake high-quality photos from various angles.Use natural lighting and a neutral background.Camera, smartphone. Listing ItemsCreate detailed, honest listings with clear descriptions and measurements.Use relevant keywords and be transparent about the item's condition.Online marketplaces like eBay, Poshmark, Etsy. Pricing StrategyPrice items based on market value, condition, and demand.Factor in shipping costs and potential negotiation.Price comparison tools, shipping cost calculators. Selling PlatformsChoose the right platform based on the type of item.Different platforms attract different buyers (e.g., Poshmark for fashion, eBay for variety).Poshmark, eBay, Facebook Marketplace, Etsy. Customer InteractionRespond promptly to inquiries and negotiate prices if necessary.Good customer service can lead to repeat business and positive reviews.Email, messaging apps on selling platforms. Shipping & HandlingPackage items securely and ship them as soon as possible.Use tracked shipping for security and customer reassurance.Postal services, tracking tools. Scaling Your BusinessExpand by sourcing more items, exploring different niches, or increasing online presence.Reinvest profits into the business and consider branching out into related products.Social media for promotion, business expansion guides. Using Apps for Thrift Store Flipping There are different apps that you can use to be successful at flipping. The following can help you price them, list them, and sell them. Etsy is best for handmade and vintage items. It specializes in older items and attracts specific buyers. Poshmark is the app you want to use for certain home goods, fashion accessories, and clothing. They provide pre-addressed prepaid labels to make shipping easy. ThredUp has a user-friendly platform. You can send in second-hand clothing, and they do the rest. They offer in-store credit or direct payout options and do all the photographing and listing for you. Look for features like the ones at Poshmark. They can provide data on how similar items sell and how much for. Most of the ones you want to work with have integrated payment and shipping systems. Try to find an app that supplies shipping labels. Maximizing Profits from Flipping Thrift Store Finds Here are a few tips for maximizing resale value. These include effective listing, presentation, and restoration strategies. A thorough cleaning can make an item more valuable. Learn how to remove rust and refinish wood. Natural lighting works excellent when you’re taking pictures. Use an uncluttered, neutral background. Listing items means being detailed and honest. Describe an item’s history with relevant keywords included. Don’t forget to factor in shipping costs when you’re pricing what you will sell. Best Practices for Thrift Flipping Online Understand the best practices for places like Facebook Marketplace. It’s informal and geared towards local buyers. Make sure your Facebook profile looks trustworthy and credible. Clear, well-lit images and thorough descriptions sell on this platform. Avoid shipping delays and provide tracking numbers. Most Profitable Items to Flip from Thrift Stores The following are items that can make you money. These are the ones that you can buy at local stores and sell online. They have resale value and are in demand. Vintage clothing, particularly designer brands Vintage clothing is sought-after because of its nostalgic appeal and unique styles. Shop for well-known vintage brands and those in good condition. Rare books and first editions Collectors are always looking for first-edition books. Classic literature and specific topics in nonfiction are good choices. Look for books with the original dusk jackets and signed copies in local thrift stores. High-end kitchen appliances High-end kitchen appliances are sought after due to their reputation for durability and superior quality. Buyers should ensure that all functions are operational. Brand-name electronics in good condition These electronics have a high resale value in the tech market because of their advanced features and trusted quality. It’s best for resale if they come in their original packaging. Vintage furniture, especially mid-century modern pieces Thrift stores, garages, and even estate sales are good places to look for vintage furniture. Looking for solid construction and items in good condition can make you money. Collectible toys and games The demand for vintage games and toys is driven by nostalgia. Collectors look for the things they loved to play with when they were young. Original packaging is a good selling feature. Musical instruments When these come from well-known brands, they increase in value over time. Buyers need to verify the authenticity of the name. Sports equipment, like bicycles and golf clubs These items maintain their value due to their durability and the brand prestige linked to them. Ensure that the equipment aligns with current trends. Photography equipment, including cameras and lenses This equipment, including lenses and cameras, has a high resale value because there’s a big demand for quality imagery. Make sure to check the operational condition of any equipment. Handbags and accessories from luxury brands Even second-hand designer handbags hold their value. It’s all about brand recognition and making a fashion statement. Look for brand hallmarks that make the piece authentic. Artwork and decorative items Decorative items and artwork often have a high resale value due to their aesthetic appeal and the reputation of the artist. Whenever possible, be sure to verify the origin or the artist’s credentials. Vinyl records, especially rare or vintage ones Vintage and rare vinyl records have an aesthetic appeal. Watch out for warping and scratches on the vinyl. Antique jewelry and watches These have historical value and sometimes even contain precious materials. Buyers need to look for unique features and assess the condition of any piece. Footwear, including designer shoes and boots Designer shoes and boots sell well because of fashion trends and the quality of the materials. Make sure to check each piece for signs of damage and wear. Board games and puzzles, especially vintage or collector’s editions These have the highest resale value when they are Collector’s Editions. They often retain value because of nostalgia and their uniqueness. Outdoor gear, such as camping equipment and backpacks High-quality products sell well because of brand recognition. Make sure all the zippers and clasps are working for camping equipment. For backpacks, check all the straps. Power tools and workshop equipment Established brands are highly sought after. For power tools, check the battery health and ensure all equipment or tools are compatible with safety standards. Unique home décor, like lamps and mirrors Older lamps and mirrors are often excellent accents for interior design. For lamps, buyers need to check over the hardware and wiring. If a mirror is ornate or vintage, check the frame’s condition. Quality cookware and utensils Quality cookware and utensils have an excellent resale value because they are essential to a kitchen. Look at the cooking surfaces and watch for wear and tear or warping. Gardening tools and equipment Gardening equipment and tools have excellent resale if they’re durable for outdoor use. Buyers should look for rust and check the condition of the handles. Make sure the moving parts are in order, and look at the engine health for larger equipment. DVDs and video games Look for cult favorite titles and other ones that are rare and classic. The collectible value goes up when you can find accompanying booklets and artwork. Children’s toys and baby gear Look for safety features and durability in children’s toys. Check for cleanliness and ensure all the safety mechanisms work for strollers and or car seats. Make sure to check to confirm there are no recalls. Crafting supplies and sewing machines Both of these products have a steady demand on the resale market. Crafting supplies need to come in a full set. Sewing machines need to operate smoothly and look for additional accessories like bobbins. Office furniture and supplies Home offices are supplying a steady stream of sales here. Look for ergonomic features, chairs, and desks with minimal wear and tear. Office supplies like keyboards need to be in good working order. Collectible coins and stamps For coins, buyers should be looking at their historical value and rarity. Focus on how well stamps have been preserved and whether they are part of a series or a complete set. https://youtube.com/watch?v=pWUO5i17XAc%3Fsi%3D_Q5SsVYAT2DeE3lv FAQs: Thrift Store Flipping Here are the answers to some common questions. Is thrift store flipping profitable? You can make money if you have a good eye for undervalued items and understand market demand. Can thrift store flipping be a full-time job? Implementing effective sales strategies can help if you want to do this full-time. You’ll need to have a knack for sourcing and restoring valuable items. What is the best thing to resell from thrift stores? Unique home decor, electronics, stamps and coins, brand-name clothing, and vintage furniture sell well. What are some legal considerations in thrift store flipping? You need to report your taxes from reselling items and might even need a business license. Your area has shipping and export laws and possible consumer protection laws. Image: Envato Elements This article, "Your Guide to Thrift Store Flipping" was first published on Small Business Trends View the full article

Incident comes ahead of annual security conference and German electionView the full article

Boosting the bloc’s defences will be among the discussions at Munich’s security conference this week View the full article

As the Super Bowl clock ticked just below three minutes left in the game, Eagles wide receivers A.J. Brown and DeVonta Smith picked up the giant Gatorade cooler, snuck behind head coach Nick Sirianni on the sideline, and hit him with the traditional shower celebration. It was probably one of the best ads of the Super Bowl, and it wasn’t even a commercial. And yet, it still told a story about how close the ties are between this brand and one of the most significant moments in sports. This year, Gatorade celebrates its 60th anniversary since Dr. James Cade first concocted his formula to keep the Florida Gators football team hydrated. Gatorade chief brand officer Anuj Bhasin says the brand is going to mark the occasion throughout the year with a strategy that aims to set things up for the next six decades. It’s a balance of honoring the past, while still pushing an image of innovation. The brand still holds more than 60% market share in sports drinks, but is also competing with brands like Liquid Death, all the energy drinks, water brands, and whatever else is available in the corner store fridge. The brand has been experimenting with various ways to move beyond just a sports drink to become an overall sports fuel brand for the past decade. That goal continues in earnest into its 60th year. “We have to think differently about how we use leading edge science to solve athlete problems,” says Bhasin. “We’re going to be thinking much more expansively about what what athletes might need and what they’re going to be having access to over the next 60 (years).” Linebacker Harry Carson of the New York Giants splashes a bucket of Gatorade over Head coach Bill Parcells after defeating the Denver Broncos during Super Bowl XXI on January 25, 1987, at the Rose Bowl in Pasadena, California. [Photo: Focus on Sport/Getty Images] Building on tradition There’s no doubt that Gatorade sponsorship investments keep the sports drink on the big league sidelines. In 2022, brand parent company PepsiCo renewed its deal with the NFL for another eight years, and actually codeveloped a new caffeine-infused sports drink called Fast Twitch with the league. No financial details were released, but the previous deal was reportedly $2 billion over 10 years. But the post-win shower was not a brand invention. It started 40 years ago during the 1984 NFL season, though there is a dispute about who started it—the New York Giants or the Chicago Bears. Last year, the brand launched an updated take on its classic “It Is In You?” campaign, starting with a spot narrated by Michael Jordan. It also brought back the brand’s classic aesthetic of black and white images, highlighted with colorful Gatorade-flavored sweat, now featuring Caitlin Clark, A’ja Wilson, Jayson Tatum, Sydney McLaughlin-Levrone, and Josh Allen all perspiring the brand colors. [Photos: Gatorade] That campaign helped boost the brand in a couple areas, according to a digital brand lift study with DISQO. First, Gatorade saw an 18% growth in the number of people who think Gatorade “improves athletic performance, and 12.6% lift in people who think it is “scientifically proven to rehydrate faster than water” (Even if that’s a very debatable point). Bhasin says the brand also made a pivot in its approach to its social marketing, shifting from moments the brand created—campaigns, ad launches—to reacting and capitalizing on moments in sports culture. This week, when Luka Doncic was set to make his debut as a Los Angeles Laker, Gatorade posted a video of the Hollywood sign flipping its “L”s to resemble the NBA star’s number 77 jersey. It attracted more than two million views on X alone. The brand is also pushing harder on a shift its made over the past year that is less centered on the brand, but led by its athletes, influencers, and scientific experts. “Consumers don’t have to listen to us. They can skip our commercials. They can skip our digital creative,” says Bhasin. “They will opt into it if the content is highly relevant, so developing content that is founded in sport culture and sport science is the biggest shift that we’re making.” Over the next few months, the newest batch of brand content will start rolling out. “Last year was hyper focused on resharpening who we were and what we stood for with athletes,” says Bhasin. “This year is about deepening that trust emotionally with them, while also showcasing a road map to the future.” View the full article

Watch any Olympic event, and you’ll notice this universal ritual: The moment an athlete completes their performance, they turn to their coach for feedback. There’s no defensiveness—just a hunger to know how to improve. They understand that even the smallest adjustment could be the difference between standing on the podium or watching from the sidelines. For athletes, feedback is not criticism. It’s a tool for enhancement. This mindset isn’t confined to sports. High performers in every field—whether that’s business, academia, or the arts—share an insatiable appetite for actionable feedback. It’s their secret weapon for continual improvement. Why feedback fuels growth Feedback often gets a bad reputation. Many people mistakenly view it as a critique of past performance or decisions. But reframing feedback as an investment in future growth shifts the narrative. High achievers don’t see it as an attack on their abilities. They see it as an opportunity to elevate their performance. In organizations, feedback takes many forms: executives refining leadership skills through 360-degree reviews, entrepreneurs tweaking pitches after investor input, or creatives honing their craft with input from trusted peers. The best performers seek it proactively, seeing it as their competitive edge. They don’t just ask for feedback—they act on it. Here are some lessons that we can take from how high performers see feedback. 1. Feedback is a collaboration, not criticism Olympians focus on improvement, not excuses. Scott Hamilton, Olympic champion figure skater, shared with me the wise words his coach told him: “Never give excuses, offer reasons.” Excuses stall growth, Hamilton explained, but reasons illuminate areas for adjustment. Similarly, Microsoft CEO Satya Nadella emphasizes the value of being a “learn-it-all” over a “know-it-all.” This echoes psychologist Carol Dweck’s work on mindsets: Individuals with a growth mindset embrace feedback as fuel for improvement, while those with a fixed mindset see it as a threat. High performers treat feedback as a collaborative effort to refine their skills, not a critique of their character. 2. Small adjustments can lead to big impact Feedback doesn’t have to mean an overwhelming overhaul. Often, it’s minor tweaks—changing the tone of a presentation, adjusting priorities in a project—that lead to the biggest breakthroughs. 3. Don’t wait for feedback, ask for it High performers actively seek feedback instead of waiting for annual reviews or chance encounters. By asking for input, they demonstrate curiosity and a commitment to growth. People are often eager to help those who genuinely want to improve. When seeking feedback, specificity is key. Instead of asking, “Do you have any feedback?” try,“What’s one thing I could do to make this presentation more engaging?” Clear, targeted questions yield actionable insights. 4. Feedback is a continuous process Annual performance reviews aren’t enough. That’s because feedback is most effective in two forms: Reflection-in-action: Immediate insights during the task, like an Olympian receiving real-time coaching from their coach on the sidelines during a competition. Reflection-on-action: Deliberate analysis after the fact, such as debriefing a major presentation to identify lessons for the future. Turning feedback into action Over time, this continuous feedback loop drives incremental changes that compound into significant growth. To integrate feedback effectively, high performers follow these five strategies: Ask specific questions: Shift from vague to precise. Instead of, “How am I doing?” ask, “What’s one way I can make this project more impactful?” or, “What is an idea I should consider to shorten my time to closing a deal?” Build a feedback network: Seek diverse perspectives from managers, peers, clients, and stakeholders. Each offers unique insights. For example, ask, “What can I do to make this communication clearer?” Normalize feedback in teams: Foster a culture of regular, informal feedback. You can use after-action reviews—common in the military and healthcare—to refine processes and achieve better outcomes. When it becomes part of the tapestry of the organization, people learn to expect it. If you do it right, it offers an opportunity to extract a lesson from one event and use it in another. Act quickly: Show that you value input by implementing feedback as quickly as possible. Close the loop with the person who shared it—explain what you’ve changed or why you chose not to, which demonstrates intentional thought. Reflect and adjust: Self-reflection is as critical as external input. Review your work, look for areas of improvement, and experiment with new approaches. Consider recording yourself, practicing in front of a mirror, or viewing your performance from the perspective of key stakeholders. Reframing feedback as a growth tool Every project, like every athlete’s performance, is an experiment—a chance to refine and improve. By reframing feedback as an enabler of professional success, not a critique of abilities, you unlock the potential for lasting achievement. Olympians rely on their coaches to fine-tune their performance. In the same way, embracing feedback with a growth mindset transforms high potential into high performance. View the full article

Many things irk people about the way modern companies operate. Workplace communication tools and so-called enterprise social media platforms are among the low-stakes but high-impact bugbears. Reading through the latest dull update from that guy in accounts who continually spams the work comms platform, or worrying about when and how to engage with a problematic post can cause plenty of stress. Having to keep up with colleagues on a workplace communication platform annoys many. But new research suggests the much-maligned tools might actually serve a purpose—and can benefit workers and the businesses they work for. Princeton University professor Manoel Horta Ribeiro led a study (together with two Microsoft researchers) that looked at how people use Microsoft’s Viva Engage—the service formerly known as Yammer. The team analyzed 99 companies’ in-staff interactions before and after they adopted Viva Engage. The study found that using such tools increased the level of connectivity among staff by adding new ways to communicate, rather than shifting the existing ones online. It helped strengthen ties among workers, helped improve knowledge sharing and innovation within an organization, and was found to be more effective than email to allow people at different levels on the hierarchy of a business to communicate with one another. That idea of bridging the gap between different staff levels was one of the key benefits of such tools, according to Ribeiro, who notes that the use of workplace communication and corporate social media tools like those studied highlight how low-level staffers are often the linchpins who keep a business running. “We find that in corporate social media settings, low-level employees are actually more central in the network, meaning they are better positioned to spread communication throughout the company,” Ribeiro says. Still, despite the benefits and boons encountered in the research, the perception remains that these tools can be the bane of people’s working lives, rather than a means of improving them. So why do people hate platforms like Viva Engage? It’s not necessarily an issue with the tools themselves, but with the way people act on them. “The thing that people hate about these platforms isn’t exclusive to enterprise social media. It’s the same thing that’s happening with LinkedIn or mainstream social platforms,” Ribeiro says. “People are gaming the system to become content creators rather than making meaningful connections.” View the full article

Militant group had threatened to suspend releases after accusing Israel of breaching ceasefire agreementView the full article

US activist hedge fund becomes oil major’s third-largest shareholder View the full article

EU capitals expressed shock and alarm at Ukraine appearing to be cut out of talks to end warView the full article

Throughout Harvard Square, there are many bookshop brimming with the latest literary fiction and intellectual memoirs, patronized by scholarly types. But in January, a new bookshop popped up in the neighborhood that is nothing like the others. Lovestruck Books is a romance bookstore. It’s Instagrammable entrance is adorned with pink and purple flowers. There’s a coffee shop that transforms into a wine bar for evening events. Besides an enormous selection of romance novels, you can also purchase sex toys and tote bags emblazoned with “I read smut.” “We want to toe the lie a little bit with being provocative and edgy,” says Rachel Kanter, the store’s founder. “But the most important thing is that everything is done in a way that feels safe and welcoming.” Her plan seems to be working. The store has been packed since launch and Kanter has blown through all of her sales targets. Customers don’t just visit the store to discover new books; they come to gather with one another. On a recent Tuesday, I sat on a plush velvet sofa in the corner of the store with a cup of tea. Next to me, a woman was tearfully confiding to an older friend about her divorce. When they left, two women sat down and pondered whether Mark Zuckerberg’s newfound embrace of “masculine energy” would break up his marriage. Rachel Kanter [Photo: Reagan Byrne/Lovestruck] The Ripped Bodice in Ventura, California, was the first romance bookstore to open in the United States back in 2016. It was so successful that it went on to open another location in Brooklyn, and has paved the way for dozens more to open. There are now 30 romance bookstores around the country, including A Novel Romance in Louisville, Kentucky, and Blush Bookstore in Wichita, Kansas. Most of these bookstores are founded by women, and they’ve become safe spaces for their predominantly female and queer customers to gather and create community. This is abundantly clear on Valentine’s Day. While the holiday is purportedly about celebrating romance, these bookstores are choosing to focus on friendship. Lovestruck is hosting a conversation with best-selling novelist Ashley Poston about female friendships. Sweeter Than Fiction, a bookstore in downtown Charleston, South Carolina, has organized an outing for customers who love sports romance novels to attend a hockey game. [Photo: Sweeter Than Fiction] Romance goes mainstream Callie Lamb opened Sweeter than Fiction in Charleston last October. On opening day, a line of customers snaked around the block. “I exceeded my three month sales target on day one of being open,” she says. “Even now, I can’t keep books in stock.” Lamb had spent her career as a buyer for large retailers like Belk and Dollar Tree, but during the pandemic, she decided it was time to strike out on her own. In 2023, she came up with the idea of opening a romance bookstore. She found a prime location on King Street, Charleston’s shopping district, and poured her savings into transforming it into an aesthetically pleasing venue, with a plant wall, pink bookcases, and marble topped tables to display books. Romance, as a genre, exploded during the pandemic. This coincided with the rise of TikTok. Book lovers took to the platform to promote their favorite titles, driving sales. Today, romance is both a top-selling and fast-growing genre in fiction. In 2023, romance novels sold 39 million copies, more than double the number from 2020. Publishers are now flooding the market with even more titles across many sub-genres, including LGBTQ+ romance, paranormal romance, and romantasy (a blending of romance and fantasy). “Romance is a huge category, but most bookstores have a small section devoted to it,” Lamb says. “There’s a clear demand for a store that specializes in romance.” One reason that some bookstores don’t have more romance books is that the genre has has been stigmatized for decades. This taboo goes back centuries, scholars say, as the male-dominated literary establishment dismissed these books because they were primarily written by and for women. But while previous generations of women felt the need to hide their Harlequin romances, today’s readers are reading romances unapologetically. Indeed, some women want to reclaim the word “smut” as a form of female empowerment, since romance novels have done a great deal to center women’s desires, sexuality, and experiences. “There is a tendency to dismiss things that are geared towards women,” Kanter says. “Romance is a powerful way for women to reclaim something that belongs to them.” [Photo: Reagan Byrne/Lovestruck] A Feminine Energy While there’s are some men who feel comfortable admitting they read love stories, the vast majority of romance readers—and romance bookstore customers—are women. So it makes sense that romance bookstores are unapologetically feminine. The interior design tends to be saturated in shades of pink, red, and purple. They sell jewelry, throw cushions, and candles. Flowers are often part of the decor. For many of these romance bookstores, part of the business model is hosting events and talks. In just one month in business, Lovestruck has already hosted more than 3,400 people at in-store events. The talks tackle a wide range of topics, from discussions with best-selling authors to learning how to play mahjong to unpacking steamy love scenes in LGBTQ+ love stories. “The community in Harvard Square has come in out droves to support us,” Kanter says. “It’s clear they were hungry for this kind of gathering space.” For many people, romance bookstores have become a place to escape from current politics, which have increasingly restricted women’s rights as well as the LGBTQ+ community. Indeed, Lamb points out that part of the reason that romance took off during the pandemic is because readers wanted an escape from the harsh realities of life. “By definition, you get a happily ever after,” she says. Kanter concurs. Her store and events are deliberately designed to be fun and lighthearted. But at the same time, creating a place where women and queer folks can find joy in one another’s presence also feels like an act of resistance in this political climate. “Our customers are choosing to put their dollars towards supporting a woman-owned business that celebrates the female experience,” Kanter says. View the full article

This jacket grows on trees. Vollebak, a London-based experimental clothing lab, has released a prototype garment made out of timber panels overlaid on a fabric interior. The long-sleeve hooded men’s Wooden Jacket is a feat of fashion design, turning a stiff material into pliable and stylish outerwear. Once it becomes available, the jacket will sell for $3,295. For now, there’s a waiting list “while we grow them,” Vollebak says. [Photo: Sun Lee/Vollebak] The jacket is par for the course for Vollebak, which experiments with sustainable materials to make its unlikely apparel. The company has also designed an antiviral jacket made from copper, a decomposable hoodie made from pomegranate peels, and a sweater made from natural fibers grown in a petri dish and assembled by a 3D knitting machine. Of course wood pulp can be used to make fibers like viscose and lyocell, which can be turned into fabric for clothing. What makes Vollebak’s jacket unique is that it’s not made with plant fibers extracted from wood. Rather, it’s made of the wood itself. The key to the Wooden Jacket’s functionality requires close inspection. While it appears to have a solid wood pattern with natural grain, closeups of the prototype fabric show the textured pattern is actually a pliable grid of tiny squares that give the garment flexibility. The prototype design also features two front patch pockets and zippers. [Photo: Sun Lee/Vollebak] On its website, Vollebak says it designed the Wooden Jacket just to prove it could, noting that “turning a tree into a jacket is an absurdly difficult technical challenge. . . . It forces us to tackle, then solve, technical challenges that would otherwise remain completely theoretical.” View the full article

Are your company’s business accounts at risk of ACH and wire fraud? If you’re uncertain, it’s important to investigate now. By learning about this type of fraud and putting preventative measures in place, you can safeguard your business from financial losses. This article will provide tips for ACH fraud protection and prevention, so continue reading to discover more. What Is ACH Fraud? ACH fraud refers to the unauthorized use of electronic funds transfer by banks and other financial institutions via the ACH network. This can include instances where an individual’s account information is stolen and used to make a fraudulent ACH transaction or when a scammer tricks a business into sending payments to the wrong account. Wire fraud, on the other hand, refers to the illegal use of wire communications for financial gain. Both ACH and wire fraud can result in significant financial losses for individuals and businesses. It’s a good idea to be aware of these scams as your first step to fraud protection. How Do ACH and Payment Fraud Happen? ACH and payment fraud can happen when unauthorized individuals obtain personal information, like bank accounts or routing numbers, enabling them to carry out fraudulent transactions via the ACH network. These criminals may use phishing scams, data breaches, or other methods to obtain this sensitive information. It is important for individuals and businesses to protect their information and closely monitor their accounts for ACH payment fraud prevention. Who Is At Risk for ACH Fraud? Business email compromise (BEC) scams target all companies that conduct ACH transfers, regardless of size or industry. These scams often involve fraudulent emails impersonating a company executive or vendor requesting an urgent transfer of funds. However, smaller businesses might be more vulnerable to these attacks because they often lack adequate security measures and training for recognizing fraudulent activity. Therefore, it is crucial for all businesses to remain vigilant and establish effective security protocols to prevent ACH fraud. How to Prevent Fraudulent ACH Transactions To prevent fraudulent ACH transactions, businesses must recognize the signs of fraud and implement measures to safeguard their bank accounts. Here are tips to ensure your business transactions remain safe and secure. Use a secure payment gateway Using a secure payment gateway is one of the best ways to prevent ACH fraud. A secure payment gateway will encrypt your customer’s information and protect it from being accessed by unauthorized individuals. Anti-virus and malware software Protect your computer by using anti-virus and malware software to prevent infections that could compromise your system and steal your customers’ information. Additionally, ensure that your software is always up-to-date! Be smart when creating passwords Create strong passwords, and don’t use the same password for multiple accounts. Avoid using easily guessed words like your name or birthday, and include a mix of letters, numbers, and special characters. Make sure websites are secure Only enter your credit card information on encrypted websites that start with “https://.” You can also check for a padlock icon in your browser’s address bar, which indicates that the site is secure. If the site starts with “http://” or you don’t see a padlock icon, do not enter your credit card information. Keep your firewall turned on A firewall helps protect your computer from hackers who might try to gain access to your system to steal your information. Always keep your firewall turned on and up-to-date. Financial institutions typically have their own fraud prevention measures in place, but it’s always good to have an extra layer of protection. Monitor your bank account regularly Monitoring your bank account regularly for unauthorized transactions is one of the best ways to prevent ACH fraud. Set up account alerts so you can be notified immediately if there is any suspicious activity. If you do see a fraudulent transaction, report it to your bank immediately. Educate your employees Educating your employees about safe online practices and ACH fraud is one of the best ways to prevent it. Make sure your employees know how to spot the signs of fraud and what to do if they suspect someone is trying to scam them. Verify requests for payment If you receive a request for payment, make sure to verify the request before sending any money. Verify the requestor’s identity and make sure you understand the purpose of the payment. If you have any doubts, contact the requestor directly to confirm. Don’t click on links in suspicious emails If you receive an email from a sender you don’t know, or if the email looks suspicious, don’t click on any links. These links could be malicious and lead you to a website that will steal your information. Don’t trust a sense of urgency Scammers often try to create a sense of urgency in order to get you to act quickly. Don’t let yourself be pressured into making a decision, and take the time to verify any requests for payment. Know your rights It’s important to know your rights in case you do become a victim of ACH fraud. The Federal Trade Commission has information on what to do if you’re a victim of identity theft, and the Consumer Financial Protection Bureau has information on your rights as a consumer. TipDescription Secure Payment GatewayUtilize a secure payment gateway to encrypt customer information, preventing unauthorized access. Anti-virus SoftwareInstall anti-virus and malware software to protect your system from malicious software and data theft. Strong PasswordsCreate strong, unique passwords for accounts, avoiding easily guessed information and including various characters. Secure WebsiteEnsure websites for financial transactions have "https://" and a padlock icon, indicating encrypted and secure connections. Firewall ProtectionKeep your computer firewall on to defend against hackers attempting unauthorized access and information theft. Regular Account ChecksMonitor your bank account regularly for suspicious activities and set up alerts for immediate notifications. Employee EducationEducate employees on identifying fraud signs and safe online practices, empowering them to prevent fraudulent activities. Payment Request VerificationVerify payment requests by confirming the requestor's identity and understanding the payment purpose before sending money. Avoid Suspicious LinksRefrain from clicking on links in suspicious emails, as they may lead to malicious websites designed to steal your information. Don't Rush DecisionsBe cautious of creating a sense of urgency; take time to verify payment requests and avoid making hasty decisions. Know Your RightsFamiliarize yourself with your rights as a consumer and how to respond if you fall victim to ACH fraud; consult resources like the Federal Trade Commission and Consumer Financial Protection Bureau. More Essentials to Prevent ACH Fraud Enhanced Verification Processes Implementing robust verification processes is essential in mitigating ACH fraud risks. Introducing multi-factor authentication and thorough verification for transactions can significantly reduce unauthorized access and fraudulent activities. This approach involves using a combination of something the user knows (like a password), something they have (like a mobile device), and something they are (like a fingerprint). This multi-layered defense strategy ensures that even if one factor is compromised, unauthorized transactions can still be prevented. Collaboration with Financial Partners Working closely with banks and financial institutions is key to enhancing ACH fraud prevention efforts. These partners often have access to advanced fraud detection tools and industry-specific insights that can be invaluable. By leveraging their expertise and resources, businesses can adopt more effective fraud prevention strategies and stay updated on the latest trends and threats in financial fraud. Regular Policy Reviews and Updates To effectively combat ACH fraud, it is essential to routinely review and update company policies concerning financial transactions. This proactive strategy guarantees that internal procedures align with the ever-changing industry best practices and regulatory requirements. Regular audits can uncover vulnerabilities and facilitate prompt updates to protocols, which in turn enhances the organization’s defenses against ACH fraud. Cybersecurity Education and Awareness Continuous education and awareness about cybersecurity are crucial in preventing ACH fraud. Regular training sessions for employees can help them recognize and report suspicious activities. Educating staff about the latest fraud tactics and prevention methods builds a knowledgeable workforce capable of identifying red flags and mitigating risks. Secure Communication Protocols Establishing secure communication protocols is vital, especially when handling sensitive financial data. Using encrypted communication channels can prevent data breaches and unauthorized access. This practice is critical not only in safeguarding the integrity of financial transactions but also in maintaining customer trust and compliance with data protection regulations. Investment in Advanced Security Technologies Investing in cutting-edge security technologies, such as AI-driven fraud detection systems, can provide an additional layer of protection. These systems can analyze transaction patterns and flag anomalies that might indicate fraudulent activities, enabling preemptive action to safeguard against ACH fraud. Incident Response and Recovery Plans Having a well-structured incident response and recovery plan is essential for minimizing the impact of ACH fraud. This plan should outline clear procedures for immediate action in case of a fraud incident, including steps for containment, investigation, notification, and recovery. It ensures a swift and coordinated response, reducing financial and reputational damage. Customer Education and Engagement Involving and educating customers about ACH fraud and common scam tactics plays a significant role in prevention. Informing customers about safe financial practices and encouraging them to report any suspicious activities can act as a crucial line of defense against fraudsters. Regular Audits and Assessments Regularly conducting audits and assessments of financial systems and processes is essential for identifying potential security vulnerabilities. These audits provide insights into the effectiveness of existing fraud prevention measures and highlight areas that need improvement or adjustment. Compliance with Regulatory Standards Following the appropriate regulatory standards and compliance requirements is not only a legal obligation but also a vital element in preventing ACH fraud. Compliance helps businesses implement best practices in financial security, thereby strengthening their overall protection against fraudulent activities. Who Is Liable for Automated Clearing House Fraud? The party responsible for ACH fraud is typically the bank which the fraudulent transaction originated from. However, if it can be proven that the account holder was negligent in protecting their account information and passwords, they may also be held liable. It is important for both individuals and businesses to regularly monitor their bank accounts and report any suspicious activity immediately to their financial institution. How Do Financial Institutions Investigate ACH Fraud? If someone were to commit fraud, financial institutions would investigate by closely monitoring account activity for unusual or suspicious behavior. They may also utilize fraud detection software to flag potentially fraudulent transactions. In cases of suspected fraud, the institution will conduct a thorough investigation and may even contact law enforcement if necessary. Understanding ACH and Wire Fraud Prevention Fraudulent activities, particularly ACH fraud and wire fraud, present considerable risks to businesses of all sizes. It is essential to be proactive in understanding and implementing preventive measures to protect your company’s financial health. Below, we explore effective strategies to safeguard your business against ACH fraud and wire fraud: Implement Employee Training Programs Educating your employees about the various forms of fraud, including ACH and wire fraud, can significantly reduce the risk of falling victim to scams. Training should cover identifying suspicious emails, verifying payment requests, and understanding the importance of secure practices. Multi-Layer Authentication Consider using multi-layer authentication for accessing sensitive financial systems. This approach requires users to provide multiple forms of verification before granting access, adding an extra layer of security against unauthorized access. Regularly Update Security Software Stay vigilant by consistently updating your security software, firewalls, and anti-virus programs. These updates often include patches to address new vulnerabilities, ensuring your systems are fortified against emerging threats. Conduct Periodic Risk Assessments Regularly assess your business’s exposure to fraud risks. Identify potential weak points in your financial processes and implement targeted measures to mitigate these risks effectively. Work with Your Financial Institution Collaborate closely with your bank or credit union to understand the security measures they have in place. Seek guidance on best practices for ACH and wire fraud prevention, as financial institutions often have specialized tools and recommendations. Regularly Review Transactions Assign personnel to regularly review transactions and financial statements. This practice can help identify any unauthorized or suspicious activities promptly, allowing for immediate action. Utilize Positive Pay Services Some financial institutions offer positive pay services that match incoming checks or electronic payments against your business’s authorized transactions. This can prevent unauthorized transactions from being processed. Secure Your Online Platforms Ensure that your online platforms, including banking portals and financial systems, are protected with robust passwords and two-factor authentication. Regularly update passwords and restrict access to authorized personnel. Establish Payment Approval Protocols Implement strict protocols for approving payments, especially those involving large sums. This may include requiring multiple levels of authorization or utilizing digital signatures for confirmation. Maintain Communication Channels Encourage open communication within your organization about potential fraud. Employees should feel comfortable reporting any suspicious activities, allowing for swift intervention and prevention. Develop an Incident Response Plan Prepare for the worst-case scenario by developing a comprehensive incident response plan. This plan should outline the steps your business will take if a fraud incident occurs, ensuring a quick and effective response. By taking these additional steps, you can fortify your business against the threat of ACH and wire fraud. Keep in mind that the landscape of fraud is constantly evolving, so staying informed and adaptable is essential to ensuring your business’s financial security. Conclusion As businesses increasingly rely on digital financial systems, the risk of ACH and wire fraud becomes ever more pronounced. This article has illuminated the intricate landscape of ACH fraud, wire fraud, and the strategies fraudsters employ to exploit vulnerabilities. Armed with this knowledge, you can take proactive steps to protect your business from potential financial losses. The journey toward ACH and wire fraud prevention begins with awareness. By understanding the mechanics of these fraud types, you lay a foundation for effective defense. Implementing preventative measures is the next crucial step. From secure payment gateways and anti-virus software to vigilant monitoring and employee education, each strategy contributes to a robust defense against fraud. Moreover, recognizing the dynamic nature of fraud, you must remain adaptable. Engage with financial institutions, utilize advanced security features, and foster a culture of vigilance within your organization. Through ongoing training, regular risk assessments, and open communication, you can fortify your business’s resilience against evolving fraud tactics. By integrating these strategies, you can shield your business from the detrimental impacts of ACH and wire fraud. Remember, the goal isn’t just to preserve financial stability; it’s to safeguard your business’s reputation and longevity in an increasingly digitized landscape. Image: Envato Elements This article, "How to Prevent ACH Fraud" was first published on Small Business Trends View the full article

Are your company’s business accounts at risk of ACH and wire fraud? If you’re uncertain, it’s important to investigate now. By learning about this type of fraud and putting preventative measures in place, you can safeguard your business from financial losses. This article will provide tips for ACH fraud protection and prevention, so continue reading to discover more. What Is ACH Fraud? ACH fraud refers to the unauthorized use of electronic funds transfer by banks and other financial institutions via the ACH network. This can include instances where an individual’s account information is stolen and used to make a fraudulent ACH transaction or when a scammer tricks a business into sending payments to the wrong account. Wire fraud, on the other hand, refers to the illegal use of wire communications for financial gain. Both ACH and wire fraud can result in significant financial losses for individuals and businesses. It’s a good idea to be aware of these scams as your first step to fraud protection. How Do ACH and Payment Fraud Happen? ACH and payment fraud can happen when unauthorized individuals obtain personal information, like bank accounts or routing numbers, enabling them to carry out fraudulent transactions via the ACH network. These criminals may use phishing scams, data breaches, or other methods to obtain this sensitive information. It is important for individuals and businesses to protect their information and closely monitor their accounts for ACH payment fraud prevention. Who Is At Risk for ACH Fraud? Business email compromise (BEC) scams target all companies that conduct ACH transfers, regardless of size or industry. These scams often involve fraudulent emails impersonating a company executive or vendor requesting an urgent transfer of funds. However, smaller businesses might be more vulnerable to these attacks because they often lack adequate security measures and training for recognizing fraudulent activity. Therefore, it is crucial for all businesses to remain vigilant and establish effective security protocols to prevent ACH fraud. How to Prevent Fraudulent ACH Transactions To prevent fraudulent ACH transactions, businesses must recognize the signs of fraud and implement measures to safeguard their bank accounts. Here are tips to ensure your business transactions remain safe and secure. Use a secure payment gateway Using a secure payment gateway is one of the best ways to prevent ACH fraud. A secure payment gateway will encrypt your customer’s information and protect it from being accessed by unauthorized individuals. Anti-virus and malware software Protect your computer by using anti-virus and malware software to prevent infections that could compromise your system and steal your customers’ information. Additionally, ensure that your software is always up-to-date! Be smart when creating passwords Create strong passwords, and don’t use the same password for multiple accounts. Avoid using easily guessed words like your name or birthday, and include a mix of letters, numbers, and special characters. Make sure websites are secure Only enter your credit card information on encrypted websites that start with “https://.” You can also check for a padlock icon in your browser’s address bar, which indicates that the site is secure. If the site starts with “http://” or you don’t see a padlock icon, do not enter your credit card information. Keep your firewall turned on A firewall helps protect your computer from hackers who might try to gain access to your system to steal your information. Always keep your firewall turned on and up-to-date. Financial institutions typically have their own fraud prevention measures in place, but it’s always good to have an extra layer of protection. Monitor your bank account regularly Monitoring your bank account regularly for unauthorized transactions is one of the best ways to prevent ACH fraud. Set up account alerts so you can be notified immediately if there is any suspicious activity. If you do see a fraudulent transaction, report it to your bank immediately. Educate your employees Educating your employees about safe online practices and ACH fraud is one of the best ways to prevent it. Make sure your employees know how to spot the signs of fraud and what to do if they suspect someone is trying to scam them. Verify requests for payment If you receive a request for payment, make sure to verify the request before sending any money. Verify the requestor’s identity and make sure you understand the purpose of the payment. If you have any doubts, contact the requestor directly to confirm. Don’t click on links in suspicious emails If you receive an email from a sender you don’t know, or if the email looks suspicious, don’t click on any links. These links could be malicious and lead you to a website that will steal your information. Don’t trust a sense of urgency Scammers often try to create a sense of urgency in order to get you to act quickly. Don’t let yourself be pressured into making a decision, and take the time to verify any requests for payment. Know your rights It’s important to know your rights in case you do become a victim of ACH fraud. The Federal Trade Commission has information on what to do if you’re a victim of identity theft, and the Consumer Financial Protection Bureau has information on your rights as a consumer. TipDescription Secure Payment GatewayUtilize a secure payment gateway to encrypt customer information, preventing unauthorized access. Anti-virus SoftwareInstall anti-virus and malware software to protect your system from malicious software and data theft. Strong PasswordsCreate strong, unique passwords for accounts, avoiding easily guessed information and including various characters. Secure WebsiteEnsure websites for financial transactions have "https://" and a padlock icon, indicating encrypted and secure connections. Firewall ProtectionKeep your computer firewall on to defend against hackers attempting unauthorized access and information theft. Regular Account ChecksMonitor your bank account regularly for suspicious activities and set up alerts for immediate notifications. Employee EducationEducate employees on identifying fraud signs and safe online practices, empowering them to prevent fraudulent activities. Payment Request VerificationVerify payment requests by confirming the requestor's identity and understanding the payment purpose before sending money. Avoid Suspicious LinksRefrain from clicking on links in suspicious emails, as they may lead to malicious websites designed to steal your information. Don't Rush DecisionsBe cautious of creating a sense of urgency; take time to verify payment requests and avoid making hasty decisions. Know Your RightsFamiliarize yourself with your rights as a consumer and how to respond if you fall victim to ACH fraud; consult resources like the Federal Trade Commission and Consumer Financial Protection Bureau. More Essentials to Prevent ACH Fraud Enhanced Verification Processes Implementing robust verification processes is essential in mitigating ACH fraud risks. Introducing multi-factor authentication and thorough verification for transactions can significantly reduce unauthorized access and fraudulent activities. This approach involves using a combination of something the user knows (like a password), something they have (like a mobile device), and something they are (like a fingerprint). This multi-layered defense strategy ensures that even if one factor is compromised, unauthorized transactions can still be prevented. Collaboration with Financial Partners Working closely with banks and financial institutions is key to enhancing ACH fraud prevention efforts. These partners often have access to advanced fraud detection tools and industry-specific insights that can be invaluable. By leveraging their expertise and resources, businesses can adopt more effective fraud prevention strategies and stay updated on the latest trends and threats in financial fraud. Regular Policy Reviews and Updates To effectively combat ACH fraud, it is essential to routinely review and update company policies concerning financial transactions. This proactive strategy guarantees that internal procedures align with the ever-changing industry best practices and regulatory requirements. Regular audits can uncover vulnerabilities and facilitate prompt updates to protocols, which in turn enhances the organization’s defenses against ACH fraud. Cybersecurity Education and Awareness Continuous education and awareness about cybersecurity are crucial in preventing ACH fraud. Regular training sessions for employees can help them recognize and report suspicious activities. Educating staff about the latest fraud tactics and prevention methods builds a knowledgeable workforce capable of identifying red flags and mitigating risks. Secure Communication Protocols Establishing secure communication protocols is vital, especially when handling sensitive financial data. Using encrypted communication channels can prevent data breaches and unauthorized access. This practice is critical not only in safeguarding the integrity of financial transactions but also in maintaining customer trust and compliance with data protection regulations. Investment in Advanced Security Technologies Investing in cutting-edge security technologies, such as AI-driven fraud detection systems, can provide an additional layer of protection. These systems can analyze transaction patterns and flag anomalies that might indicate fraudulent activities, enabling preemptive action to safeguard against ACH fraud. Incident Response and Recovery Plans Having a well-structured incident response and recovery plan is essential for minimizing the impact of ACH fraud. This plan should outline clear procedures for immediate action in case of a fraud incident, including steps for containment, investigation, notification, and recovery. It ensures a swift and coordinated response, reducing financial and reputational damage. Customer Education and Engagement Involving and educating customers about ACH fraud and common scam tactics plays a significant role in prevention. Informing customers about safe financial practices and encouraging them to report any suspicious activities can act as a crucial line of defense against fraudsters. Regular Audits and Assessments Regularly conducting audits and assessments of financial systems and processes is essential for identifying potential security vulnerabilities. These audits provide insights into the effectiveness of existing fraud prevention measures and highlight areas that need improvement or adjustment. Compliance with Regulatory Standards Following the appropriate regulatory standards and compliance requirements is not only a legal obligation but also a vital element in preventing ACH fraud. Compliance helps businesses implement best practices in financial security, thereby strengthening their overall protection against fraudulent activities. Who Is Liable for Automated Clearing House Fraud? The party responsible for ACH fraud is typically the bank which the fraudulent transaction originated from. However, if it can be proven that the account holder was negligent in protecting their account information and passwords, they may also be held liable. It is important for both individuals and businesses to regularly monitor their bank accounts and report any suspicious activity immediately to their financial institution. How Do Financial Institutions Investigate ACH Fraud? If someone were to commit fraud, financial institutions would investigate by closely monitoring account activity for unusual or suspicious behavior. They may also utilize fraud detection software to flag potentially fraudulent transactions. In cases of suspected fraud, the institution will conduct a thorough investigation and may even contact law enforcement if necessary. Understanding ACH and Wire Fraud Prevention Fraudulent activities, particularly ACH fraud and wire fraud, present considerable risks to businesses of all sizes. It is essential to be proactive in understanding and implementing preventive measures to protect your company’s financial health. Below, we explore effective strategies to safeguard your business against ACH fraud and wire fraud: Implement Employee Training Programs Educating your employees about the various forms of fraud, including ACH and wire fraud, can significantly reduce the risk of falling victim to scams. Training should cover identifying suspicious emails, verifying payment requests, and understanding the importance of secure practices. Multi-Layer Authentication Consider using multi-layer authentication for accessing sensitive financial systems. This approach requires users to provide multiple forms of verification before granting access, adding an extra layer of security against unauthorized access. Regularly Update Security Software Stay vigilant by consistently updating your security software, firewalls, and anti-virus programs. These updates often include patches to address new vulnerabilities, ensuring your systems are fortified against emerging threats. Conduct Periodic Risk Assessments Regularly assess your business’s exposure to fraud risks. Identify potential weak points in your financial processes and implement targeted measures to mitigate these risks effectively. Work with Your Financial Institution Collaborate closely with your bank or credit union to understand the security measures they have in place. Seek guidance on best practices for ACH and wire fraud prevention, as financial institutions often have specialized tools and recommendations. Regularly Review Transactions Assign personnel to regularly review transactions and financial statements. This practice can help identify any unauthorized or suspicious activities promptly, allowing for immediate action. Utilize Positive Pay Services Some financial institutions offer positive pay services that match incoming checks or electronic payments against your business’s authorized transactions. This can prevent unauthorized transactions from being processed. Secure Your Online Platforms Ensure that your online platforms, including banking portals and financial systems, are protected with robust passwords and two-factor authentication. Regularly update passwords and restrict access to authorized personnel. Establish Payment Approval Protocols Implement strict protocols for approving payments, especially those involving large sums. This may include requiring multiple levels of authorization or utilizing digital signatures for confirmation. Maintain Communication Channels Encourage open communication within your organization about potential fraud. Employees should feel comfortable reporting any suspicious activities, allowing for swift intervention and prevention. Develop an Incident Response Plan Prepare for the worst-case scenario by developing a comprehensive incident response plan. This plan should outline the steps your business will take if a fraud incident occurs, ensuring a quick and effective response. By taking these additional steps, you can fortify your business against the threat of ACH and wire fraud. Keep in mind that the landscape of fraud is constantly evolving, so staying informed and adaptable is essential to ensuring your business’s financial security. Conclusion As businesses increasingly rely on digital financial systems, the risk of ACH and wire fraud becomes ever more pronounced. This article has illuminated the intricate landscape of ACH fraud, wire fraud, and the strategies fraudsters employ to exploit vulnerabilities. Armed with this knowledge, you can take proactive steps to protect your business from potential financial losses. The journey toward ACH and wire fraud prevention begins with awareness. By understanding the mechanics of these fraud types, you lay a foundation for effective defense. Implementing preventative measures is the next crucial step. From secure payment gateways and anti-virus software to vigilant monitoring and employee education, each strategy contributes to a robust defense against fraud. Moreover, recognizing the dynamic nature of fraud, you must remain adaptable. Engage with financial institutions, utilize advanced security features, and foster a culture of vigilance within your organization. Through ongoing training, regular risk assessments, and open communication, you can fortify your business’s resilience against evolving fraud tactics. By integrating these strategies, you can shield your business from the detrimental impacts of ACH and wire fraud. Remember, the goal isn’t just to preserve financial stability; it’s to safeguard your business’s reputation and longevity in an increasingly digitized landscape. Image: Envato Elements This article, "How to Prevent ACH Fraud" was first published on Small Business Trends View the full article

Eric Migicovsky has barely started working on a successor to the Pebble smartwatch, and he’s already talking about being finished with it. Eight years ago, Migicovsky shut down the smartwatch startup he founded, having sold its software assets to Fitbit, which later became part of Google. But all this time, he and thousands of Pebble die-hards have continued to wear their watches, aided in part by a community that’s kept Pebble’s app store and core services alive. Last month, Migicovsky persuaded Google to make Pebble’s software open source, and now he’s started a company to build new watches. (They won’t be called Pebbles, though, since Google still owns the name.) While there’s plenty to do before new watches can ship, the longevity of current Pebbles taught Migicovsky a lesson: Not every gadget needs an annual release cycle, a steady cadence of software launches, and a change-the-world mindset. Instead, it’s possible to release a finished product that stays in its lane. This is an atypical approach to consumer tech, but it will be a defining trait for Pebble’s successor. “Pebble has not had a firmware update in eight years, and it still is—for me, at least, for the features I want—the best option on the market, which is crazy,” Migicovsky says. “Before that, we were updating every month . . . and I never once realized, or thought, or even considered: What if we were done?” Why Pebble is specialAs one of those last remaining active Pebble users, I understand where Migicovsky is coming from. I’ve worn a Pebble Time Steel on and off ever since it launched in 2015, and I even bought a couple more as backups in case of hardware failure (both of which I eventually had to start using). [Photo: Jared Newman]While I’ve dabbled in Apple Watches and Android’s WearOS models, I always drift back to Pebble. I’m not big into quantified health, so the increasing fitness focus of other watches doesn’t resonate with me. A watch that delivers notifications, music controls, and timers is good enough, and Pebble arguably does those things better than any modern smartwatch. The battery lasts for a week, so I can leave the charger at home on weekend outings, and side buttons let me control music or dismiss notifications without even looking at the screen. Meanwhile, Pebble’s lo-fi design has become part of its allure. The Game Boy aesthetic, fun animations, and thousands of installable watch faces give Pebble a geeky charm, made all the more novel by how many people wear identical Apple Watches on their wrists. Migicovsky says the aesthetics help explain why Pebble has maintained its enthusiastic community of users. [Photo: Jared Newman]“It was retro when it started, because of the black-and-white feel, and so I think it didn’t become dated because it was already dated,” Migicovsky says. “That stuck around in people’s memories, and on a lot of people’s wrists.” Bringing Pebble backYou can still find Pebble watches on sites like eBay, but getting them to work is a challenge. Pebble’s iPhone app departed the App Store in 2021 because no one kept up its Apple Developer account, so you have to sideload it using work-arounds like AltStore. On Android 15 and above, new security requirements make direct sideloading impossible, so you have to push the app to your phone from a computer. Even if you get the app installed, it won’t do much on its own because Pebble’s servers shut down in 2018. Fully reviving the watch requires a tool called Rebble Web Services, which hijacks the setup process to provide its own version of Pebble’s app store and online features, such as weather and voice dictation. It’s a miracle that any of this works, but the end result is a product that still fulfills its original purpose. [Screenshot: Rebble Store]All of which means that Migicovsky’s work is largely about delivering a functional product rather than a reimagined one. Existing Pebble owners will get a new app that works without any rigmarole, and newcomers will get modern hardware that preserves Pebble’s apps, watch faces, and core features, including an always-on e-paper screen and physical buttons. As for new functions, Migicovsky’s plans are surprisingly low-key. His to-do list includes things like adding more notification icons for apps that didn’t exist a decade ago and providing a standard weather API for watch face makers. He expresses some admiration for the “complications” features of Apple Watches but is noncommittal about bringing the idea to a Pebble successor. Meanwhile, Migicovsky flatly rejects some more ambitious concepts for Pebble that never came to fruition, like wristbands with extra features built in. (Pebble’s original attempt at that idea, called SmartStraps, went nowhere.) In a blog post following up on the original announcement, he warned people to temper their expectations. “Please don’t get your hopes up that the new watch will have X/Y/Z new feature,” he wrote, noting that Pebble will be “almost exactly” as users remember it, except now with open-source software that can be modified and improved. The open-source doorPebble was always amenable to tinkering by outside developers. Even before adding its own health features, Pebble allowed apps like Misfit to track steps and sleep in the background. And when Katharine Berry, a third-party developer, built a web-based tool for making watch apps, Pebble hired her and started recommending the tool itself. (Berry, who now works at Google, later became instrumental in developing Rebble Web Services and getting Google to open-source the Pebble operating system.) Now that anyone can use and modify Pebble’s source code, the door is open to even wilder modifications. While Migicovsky will stick to what sounds mostly like a Pebble rerelease, he’s content to let outside developers experiment. “We were an amazingly hackable smartwatch then. Now that the OS is open source, there’s nothing you can’t hack on it,” he says. “You can build new hardware. You can add new features. You can write a new mobile app.” Regardless of how much hacking actually happens, the approach at least gives Pebble’s successor a clearer identity. By Migicovsky’s admission, one reason Pebble failed is that it never settled on who it was for. The watch began as a geeky gadget, but later pitched itself as a productivity tool, then pivoted toward fitness features in a last-ditch attempt to compete with Fitbit and the Apple Watch. This time, Migicovsky won’t make that mistake. “If you had to take one of those three,” he says, “I’ll take geek every day.” View the full article

During the Great Resignation, employers offered signing bonuses at unprecedented rates and, while the labor market has since cooled, the cash incentive remains popular, especially among in-person roles. According to a recent study by Indeed’s Hiring Lab, the one-time bonus was included in less than 2% of job postings on the platform before the pandemic, and skyrocketed to a peak of 5.6% in September of 2022. Though the labor market is largely back to pre-pandemic norms, signing bonus offers remain nearly twice as common as they were in 2019, and are now attached to 3.7% of U.S. job postings. “In the last couple years, the trend line has actually diverged,” explains the report’s author and Indeed economist Cory Stahle. “In other words, we saw wage growth start slowing down really fast, and signing bonuses started slowing down too, but not nearly as fast.” According to the study, the jobs that are most likely to come with a signing bonus require a physical presence and tend to be in a medical field. Veterinarians, for example, have seen a nearly 50% spike in signing bonus frequency since February of 2020, with 12.1% of roles now offering one. The nursing profession also offers signing bonuses at similar rates, while the physician and surgeon, beauty and wellness, and medical technician fields round out the top five, with the bonus offered with roughly 10% of jobs in each. “Signing bonuses are most prevalent in jobs where employers are still actively recruiting people at really high levels, and if we look at where those jobs are, we see that those tend to be in healthcare, with a lot of in-person, skilled labor, hands-on jobs,” Stahle says. “On the flip side, signing bonuses are much less common in traditional white-collar, knowledge-work roles.” A Substitute for Flexibility? The elevated frequency of signing bonuses in roles that require a physical presence may suggest that in the age of remote work, employers that are unable to offer location flexibility need to find other ways to sweeten the pot. (The Indeed report did not collect data on the average size of signing bonus, but it varies depending on the role and industry.) According to a study conducted by Owl Labs, more than half of American workers prefer hybrid work, and more than 38% would not accept a role that required them to be in the office full time. “The data suggests that many employees value a work-life balance and are willing, in certain instances, to draw lower salaries if they are allowed the option to work remotely or hybrid,” says Owl Labs CEO Frank Weishaupt. “If employers want their employees to work in person, they will need to offer new and improved benefits.” Weishaupt adds that in-person requirements come with real financial costs to employees. According to the study, workers spend an average of $61 each day on commuting, food, and other expenses related to coming into the office—a 20% increase from 2023—and save about $42 each day they work from home. “We found that, on average, U.S. workers would sacrifice 8.3% of their annual salary for a flexible or remote working location,” Weishaupt says. “Since our report found that coming into the office can be more costly than working from home, a signing bonus, more than ever, is an acknowledgment that an extra incentive may be needed to fill those in-person roles.” Why Employers Should Proceed with Caution While the added upfront cash might help lure candidates, Weishaupt warns that a one-time payment may not be effective at retaining them over the long run. “Signing bonuses are short-term solutions for issues that will arise again; namely the desire by employees for work-life balance,” he says. Society for Human Resource Management CHRO Jim Link agreed that it’s risky to use a one-time payment to secure a long-time commitment. That is why he recommends attaching a few conditions to the increasingly popular perk. “If the employer is intending to pay those [bonuses] upon the start date, we encourage them to have a fallback agreement that says if that employee leaves after a specified period of time, they are due to pay back all or part of it,” he says. “That’s option one; option two, if you don’t want a claw back agreement, is to make that lump sum payment go into effect at a specified time, like after 90 days or 120 days, assuming certain conditions are met.” Skills Gaps and Economic Uncertainty The widespread desire for hybrid or remote work among employees may help explain why more companies are leaning on the signing bonus to lure workers into less flexible roles, but that doesn’t tell the whole story. After all, the bonus is just one of many tools employers could use to attract employees, and not a historically popular one in mostmore sectors. The signing bonus, however, is unique for presenting employers with a one-time cost, rather than an ongoing commitment, which may be particularly appealing in the current economic climate. “Employers in 2024 were very cautionary in their overall financial management, particularly as it relates to things that they would have to pay again and again, like substantial pay raises,” explains Link, pointing to both economic and political uncertainty. Furthermore, while the labor market has cooled, Link suggests certain roles remain in extremely high demand. “There’s a significant gap between what employers are looking for—whether it be in healthcare or other industries—versus what’s immediately available out there on the market,” he says. “We don’t see in the short-term anything coming that’s going to lessen that gap.” While those gaps remain, and with lingering uncertainty in the long-range economic forecast, Link believes employers will continue to choose the lump sum bonus over other employee perks for the foreseeable future. “My best guess is that this current rate overall that we’re seeing of employers across industries utilizing it, there’s nothing that I see forthcoming that would make me think that that number is going to either substantially increase or decrease,” he says. “This is the new normal.” View the full article

When workers repaved part of Interstate 94 near Minneapolis last fall, it looked like they were pouring ordinary concrete. But instead the highway was the first to use a new, near-zero-emissions material. It’s one of a series of large projects to use material from C-Crete, a Bay Area-based startup. Shortly, the highway was repaved, and the company poured slabs and foundations at San Francisco International Airport. Earlier in the summer, it also poured a floor slab in a super-tall skyscraper under construction in Manhattan, the future headquarters of JPMorgan Chase. Other projects are underway now. [Photo: courtesy C-Crete Technologies] Producing cement, the glue that holds concrete together, is a major source of global emissions—around 8% to 9%, or three times as much as the aviation industry. But as startups are racing to bring low-emissions alternatives to market, some of those new products may be at a tipping point. “This is cost-competitive,” says C-Crete CEO Rouzbeh Savary, who began working on a more sustainable cement alternative as a PhD student at MIT. “We’re making binders that are the same cost, same performance, and no CO2.” Typical Portland cement, which has been in use for the past 200 years, is a big polluter for two reasons. First, it’s made by heating up limestone, which releases CO2 as the limestone breaks down. The process also uses a lot of energy, which is usually run on coal and other fossil fuels. JPMorgan, 270 Park Ave. [Photo: courtesy C-Crete Technologies] C-Crete replaces limestone with other rocks that don’t contain CO2, such as granite or zeolite. Some other startups are taking a similar approach. Brimstone, for example, a startup backed by Bill Gates’s Breakthrough Energy Ventures, uses calcium instead of limestone. Sublime Systems, another startup, dissolves calcium silicate with chemicals. (Sublime first poured concrete for a building in Boston a year ago, and won a DOE award in December to build a new, clean-cement factory in Massachusetts.) C-Crete says that it has a simpler process: Rather than extracting a single element from rocks, requiring multiple steps and creating waste, it found a way to use the full mix of materials inside granite and other rocks. The team spent years developing a process that worked. “We had thousands of failed formulas, so this didn’t come overnight,” Savary says. In the final process, rocks are pulverized, and then the company adds a mix of chemicals—calibrated for a particular rock’s composition—to reform a new, strong material. The process uses far less energy than making Portland cement; if it’s made renewable energy, the binder can be zero-emissions. (The other materials in concrete, like sand and water, are only a minor source of emissions.) The poured concrete also acts like a sponge, capturing CO2 from the air as it cures. [Photo: courtesy C-Crete Technologies] When the binder is used to make concrete, the material is as durable and strong as conventional concrete, the company says, meeting ASTM performance standards. It also flows and pumps like typical concrete, so construction methods don’t have to change. In its initial projects, C-Crete now produces cement itself. But the startup is now in discussions with ready-mix concrete companies around the country that can use its approach. Those companies already have quarries where they mine rocks like granite for aggregate. They can buy off-the-shelf equipment to pulverize the rocks, and then use binder materials from C-Crete; the changes can easily integrate into the existing construction industry without needing large-scale investments in manufacturing. San Francisco International Airport [Photo: courtesy C-Crete Technologies] Unsurprisingly, the construction industry is cautious about adopting new materials. But as a growing number of real-world projects demonstrate the performance of the concrete, it could scale up quickly. Some building owners might choose the material for sustainability reasons, but the biggest factor in its favor will likely be the affordability. While the material already competes on cost, it has the potential to become even cheaper than conventional concrete, since it’s more efficient to produce. “We believe that what we are doing is the most scalable, simplest, and most affordable way of decarbonizing concrete,” says Savary. View the full article

Super Bowl ad spots range from just 15 to 60 seconds, but their impact lives on through social media for the days, weeks, and sometimes even years that follow. Although around 50 brands bought broadcast time, less than a week later, only a handful are still being talked about. So how can brands best transform their (very expensive) ads from momentary entertainment to long-lasting conversation pieces? Data from Metricool, a social media analytics tool, shows that the Super Bowl ads with the largest reach and impact are ones that use social media to turn their seconds-long time slot into an all-encompassing experience. “Brands should focus on full-scope coverage, rather than putting all their eggs in a TV ad,” says Anniston Ward, a specialist at Metricool. “It takes a full experience to really create a lasting effect.” Poppi’s influencer marketing tactic, for one example, scaled beyond its brief TV spot to make a lasting post-Super Bowl impact. In the week leading up to the big game, the health-focused soda brand launched a series of giveaways, collaborations with influencers, and a high-profile stunt involving the brand sending neon pink branded vending machines to more than 30 influencers. Days later, people are still talking about Poppi’s tactics—though not all of the reception has been positive. Many online called Poppi “out of touch” for giving large amounts of free product to already wealthy influencers. “And now, ‘Poppi’ is in everyone’s mouths, whether it’s good or bad,” Ward says. Metricool observed that Poppi’s Instagram engagement reached 4%—which might seem a paltry figure, but Instagram’s industry average is 0.7%, and anything higher than 1% is considered a strong performance. The brand’s Instagram post likes spiked by nearly 100%. Carl’s Jr. also turned its Super Bowl ad spend into a weeklong online experience, featuring a scantily dressed Alix Earle biting into a Carl’s Jr. “hangover burger” to promote a “free burger day” on February 10. The company shared behind-the-scenes footage leading up to Super Bowl Sunday, and even released a snippet of the ad on Reels the Wednesday before the game. That reel secured the fast-food restaurant chain a 91% increase in Instagram followers and a 47% engagement rate—the top engagement of any Super Bowl social media promotion, Metricool observed. When an ad campaign is successful, the conversation around it can last for weeks. For Apple, the conversation’s been going for decades. Yes, more than 40 years later, Apple’s “1984” ad—which redefined Super Bowl commercials and permanently launched the company into the international spotlight—still sets the bar for branding brilliance. Last year’s best-performing Super Bowl spot also garnered international attention. Beyoncé’s announcement of her Cowboy Carter album, in collaboration with Verizon, is still having a positive ripple effect today: The album broke Spotify records upon its release, and Beyoncé paired up with Verizon yet again this year to announce her Cowboy Carter tour. “The Super Bowl is one of the largest marketing events of the year,” Ward says. “It can give us a footprint to how marketers can craft their campaigns for the next year, and use it as kind of a reference to what has worked well.” View the full article

Digital cameras can be an important tool for a small business. If you have a website, social media channels, or any other digital outlet, you need a quality digital camera. But how do you figure out the best digital camera for your small business? While it may be tempting to simply use your smartphone camera for photos, this may not deliver the image quality you want. Smartphone cameras have greatly improved over the years and can be quite good, but your best bet for the highest quality photos and videos is to invest in a digital camera. It is an important point to note that photography and videography equipment can be very expensive. As a small business, you certainly don’t need to spend thousands of dollars on professional-level camera equipment. What you need is a good compact digital camera that can take quality pictures and videos and is easy for you to use. Compact Digital Camera Options: Our Top Picks Choosing the best compact digital camera is crucial for small businesses that need high-quality images for marketing or documentation purposes. It requires careful consideration of various features to achieve the best value and performance. Below, we outline our rating criteria, with each factor assessed on a scale from 1 to 5 according to its importance: Image Quality (5/5): For professional-looking photos, it’s crucial to have high-resolution images that exhibit excellent color accuracy. Ease of Use (4/5): The camera should have an intuitive interface and controls that are easy to master, even for those with limited photography experience. Portability (5/5): As a compact camera, it should be lightweight and easy to carry around, suitable for on-the-go shooting. Durability (4/5): The camera should be sturdy enough to withstand regular use, and ideally, some level of weather resistance is beneficial. Battery Life (4/5): Long battery life is important to ensure uninterrupted shooting, especially during lengthy events or projects. Versatility in Shooting Conditions (4/5): The ability to capture high-quality images in various lighting conditions, including low light, is crucial. Zoom Capability (3/5): A decent optical zoom range can be helpful, although it’s not as crucial as other factors for a compact camera. Video Capability (3/5): Good video quality is a plus, especially for businesses that might use the camera for multimedia purposes. Connectivity Options (3/5): Features like Wi-Fi or Bluetooth for easy sharing and transferring of images can be very convenient. Price (3/5): While cost is always a consideration, it should not come at the expense of image quality and essential features. By considering these criteria, we ensure that the compact digital cameras we recommend are well-suited for small business needs, offering a good balance between quality, functionality, and value. Panasonic LUMIX 4K Digital Camera Image stabilization, 60x optical zoom, and 4K video quality are just some of the features this point-and-shoot camera has to offer. The Lumix has a lightweight, compact camera body and travel-ready technology like USB charging makes it great for the on-the-go. The Lumix promises impressive image quality, even in low light. It has an electronic viewfinder, post-focus and focus stacking, and lots more. It is also reasonably priced, making it our pick for the best compact camera. Panasonic LUMIX FZ80 4K Digital Camera Buy on Amazon Sony Cyber-Shot Compact Zoom Digital Camera The Sony Cyber-Shot camera kit boasts a 20.1-megapixel lens with 35x zoom, along with a 720p HD movie mode and a 360° sweep panorama feature. The Cybershot is a compact camera with a 3″ LCD screen for easy viewing and edits. Included with the camera is SanDisk Ultra 32GB SD Card, Rechargeable NiMH AA batteries with charger, a camera bag accessory bundle, and an 8 ” table tripod. Reviewers mention the ease of use and excellent image quality of this camera. Sony Cyber-Shot DSC-H300/B Compact Zoom Digital Camera Buy on Amazon Kodak PIXPRO Friendly Zoom The Kodak PIXPRO Friendly Zoom is a user-friendly pocket camera that you can take anywhere. Some of its features include one-touch video, 4x optical zoom, red eye removal, and face detection. The PIXPRO pocket camera features a 27mm wide-angle lens and a 2.7-inch LCD screen display. This reliable and well-reviewed budget compact camera delivers image quality comparable to that of more expensive models. Kodak PIXPRO Friendly Zoom FZ55-BL 16MP Digital Camera with 5X Optical Zoom Buy on Amazon Nikon COOLPIX B500 Digital Camera Bundle Nikon produces some of the best cameras globally, and their Coolpix bundle offers excellent value for anyone in need of a digital camera along with additional accessories. This package includes the Coolpix B500, a 16MP premium compact camera equipped with impressive features such as a 40x optical zoom, 80x dynamic fine zoom, and lens-shift vibration reduction. With built-in WiFi, Bluetooth, and NFC, you can maintain a constant connection, allowing videos and photos to automatically download to your device. Along with the Coolpix camera, the bundle includes a compact deluxe gadget bag, a 32GB SDHC high-speed memory card, an AA charger with 4 AA Batteries, an HDMI to Micro-HDMI Gold A/V Cable, a 60″ tripod, a card reader, screen protectors, and a cleaning kit. Nikon COOLPIX B500 16MP 40x Optical Zoom Digital Camera 32GB Bundle Buy on Amazon OLYMPUS Tough TG-6 Waterproof Camera If you need a compact camera that can take a beating, the Olympus Tough TG-6 should be on your list. It is waterproof, dustproof, shockproof, and freezeproof, so there’s nowhere it can’t go. It even takes underwater shots with impressive image quality. The camera has a high-resolution F2.0 lens, back-illuminated CMOS image sensor, 5x zoom lens, and 4k video recording capability. OLYMPUS Tough TG-6 Waterproof Camera, Red Buy on Amazon Canon PowerShot G7 X Mark III Digital 4K Vlogging Camera This camera by Canon is aimed specifically at vloggers and content creators due to its capabilities to live stream and shoot vertically. 4K video quality recording and an external microphone terminal also make this the perfect camera for vloggers. It is a powerful compact camera that produces high image quality and fast operation. A 4.2x optical zoom lens, image stabilizer, and a 20.1 megapixel 1.0” stacked CMOS sensor round out the features of this high-end compact camera. Canon PowerShot G7X Mark III Digital 4K Vlogging Camera Buy on Amazon READ MORE: Best Livestream Camera for Podcasters GoPro HERO11 Black The GoPro Hero11 is not inexpensive, but it offers an impressive range of features and capabilities. The HERO11 Black’s new full-frame sensor is said to enhance photo resolution to 27MP and capture 5.3K60 video, providing remarkably smooth motion. This allows you to take breathtaking 24.7MP stills of your favorite moments. This camera includes a wide zoom range, Hypersmooth image stabilization, a large viewing screen, and a lens that repels water. GoPro HERO11 Black – Waterproof Action Camera Buy on Amazon Ricoh WG-70 Orange Waterproof Digital Camera 16MP Another compact camera that can stand up to harsh conditions, Ricoh’s WG-70 has a rugged, waterproof camera body and all the features you could want for great outdoor photos. A back-illuminated CMOS sensor boasting high optical efficiency and an effective 16-megapixel, the WG-70 takes low-noise photos with a wide dynamic range. It also has a digital microscope mode for macro photographs, 25 shooting modes, and full HD video recording. Ricoh WG-70 Orange Waterproof Digital Camera 16MP Buy on Amazon Canon EOS M50 Mark II This is another high-end camera with a high price tag, but reviewers claim it’s worth it. The Canon EOS is a 24.1-megapixel camera with auto lighting optimizer, vari-angle touchscreen LCD touchscreen, face and eye detection, electronic viewfinder, and lots more features. Besides the camera, you also receive an EF-M 15-45mm zoom lens. It also has built-in WiFi for live streaming. Canon EOS M50 Mark II + EF-M 15-45mm is STM Kit Black Buy on Amazon Fujifilm FinePix XP140 Waterproof Digital Camera Last up is Fujifilm’s FinePix digital camera, designed to be waterproof and rugged, making it perfect for outdoor adventure photography. However, even if you’re not an outdoor enthusiast, this camera boasts an impressive range of features, including Bluetooth connectivity, 4K video quality, a 5x optical zoom lens, a back-illuminated sensor, and optical image stabilization. This is a well-rounded pocket camera with a good zoom range, fast shutter speed, and great image quality. Fujifilm Finepix waterproof compact camera w 16 GB SD card Buy on Amazon Types of Compact Cameras Not all compact cameras are digital, and not all digital cameras are compact. Some types of digital cameras have interchangeable features, but there are some major differences between them as well: Point and Shoot Compact Cameras Compact cameras, also known as point-and-shoot cameras, are good entry-level digital cameras. They are usually small and lightweight and come with a lot of automatic features, such as an autofocus system, zoom lenses, built-in flashes, etc. This makes compact cameras great for beginner photographers. Zoom Compact Cameras These compact cameras are equipped with more powerful zoom lenses compared to point-and-shoot models. In addition to a variety of automated features, most models also provide manual controls and support HD recording. Advanced Compact Cameras These types of compact cameras are for the more experienced photographer. They are still lightweight and fairly easy to use, but they rely almost completely on manual controls. They take higher-resolution photos but are also quite expensive. YOU MIGHT ALSO LIKE: Best Studio Lights for Photography and Videos Best Gifts For Photographers The Best Suitcases for Business Travel Best Wrench Sets to Get the Job Done Best Extension Ladders for Your Business or Worksite Image: Amazon This article, "Best Compact Digital Camera Options for a Small Business" was first published on Small Business Trends View the full article