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Last week, Avinash Kaushik said, “The best way to make a Super Bowl ad effective is through ‘spike and sustain’ marketing.” He also explained that releasing teasers, ads, and extended versions before the Big Game is part of the “sustain” strategy, building momentum ahead of the “spike” in viewership. Super Bowl LIX drew 113 million viewers, according to Nielsen. Many brands embraced this strategy, unveiling their commercials early to build buzz and maximize exposure. By midday Sunday, more than 40 ads had already been released, and several organizations had analyzed those aired before Feb. 9. Pre-game Super Bowl ads that made an impact For example, iSpot.tv identified “Budweiser | Super Bowl LIX ‘First Delivery’” as the early winner based on consumer surveys. A young Clydesdale foal, eager to join the Budweiser delivery team, is told he’s too young. While the other horses depart, a keg falls off the wagon unnoticed. The foal, determined to prove himself, embarks on a long journey, pushing the keg through various obstacles. He successfully delivers the keg to the bar, interrupting a “horse walks into a bar” joke and impressing the driver who had dismissed him earlier. The foal is rewarded with recognition and a sense of accomplishment. “Somebody | It Takes All of Us SB LIX,” which features players mentoring kids, was the most emotionally resonant and attention-grabbing Super Bowl ad released before the Big Game, according to DAIVID. It evoked intense positive emotions in over half of viewers, particularly feelings of warmth, inspiration, and pride, all significantly higher than the U.S. average. The ad also held viewers’ attention better than average ads, both at the beginning and the end. And Sprout Social‘s social media analysis showed strong performance for “A Century of Cravings | Uber Eats.” Their successful celebrity-filled advertisement features Matthew McConaughey, Charli XCX, and Martha Stewart and cleverly incorporates the stadium’s name into a joke about Stewart’s Caesar salad. The best Super Bowl ads released during the Big Game Some of the roughly 80 Super Bowl spots cost a record $8 million for 30 seconds this year, per the Associated Press. The granddaddy of rating TV commercials during the Big Game, “Budweiser | Super Bowl LIX ‘First Delivery’” ranked no. 1 with a score of 3.56 out of 5, according to USA Today’s Ad Meter. (Kudos to iSpot.tv for picking this winner ahead of time.) In second spot was “LAY’S | The Little Farmer | :60,” with a score of 3.55. As the video’s description says, “One little potato. One big dream.” In third place was “The ULTRA Hustle | Super Bowl LIX | Michelob ULTRA” with a score of 3.52. As the ad’s description declares, “You can’t out-hustle a hustler. Willem Dafoe, Catherine O’Hara, Sabrina Ionescu, Randy Moss, and Ryan Crouser.” In fourth position was “Stella Artois | David & Dave: The Other David” with a score of 3.51. So, David Beckham goes to meet his long-lost twin, played by Matt Damon. What do they have in common? “A love for Stella? Fancy footwork?” Ranked fifth with a score of 3.49 was “Somebody | It Takes All of Us SB LIX.” Congrats to DAIVID for picking this winner ahead of time. It’s also worth noting that “A Century of Cravings | Uber Eats” finished no. 8 in the USA Today Ad Meter rankings. Sprout Social’s analysis of social media was in the ballpark. Get the newsletter search marketers rely on. Business email address Sign me up! Processing... See terms. Alternative metrics for evaluating Super Bowl ads There are other ways to measure the top ads released during Super Bowl 2025. For example, DAIVID used its AI-powered platform to analyze 65 Super Bowl ads aired Sunday night, predicting their emotional impact and effectiveness. Their AI models combine facial coding, eye tracking, survey data, computer vision, and even listening APIs. “Somebody | It Takes All of Us SB LIX” was not only the most emotionally engaging ad of the 40+ spots released before the Big Game, but it also generated the most intense positive emotions of the 65 ads shown during Sunday’s Super Bowl broadcast. The ad attracted the highest attention levels of any spot shown. In second place was “Jeep | Big Game | Harrison Ford x Jeep | Owner’s Manual.” As the video’s description acknowledges: “Life doesn’t come with an owner’s manual – you have to write your own. And no one knows this better than Harrison Ford.” The ad attracted an intense positive emotional response from 54.2% of viewers, according to DAIVID. In third was “What is Greatness?” from He Get Us. The video’s description asks: “Is being great, as our society defines it, really that great? Or is greatness quite the opposite of what we think it is? In this video, we explore how Jesus redefined true greatness and what it might mean for us. All of us.” And 53.3% of people had intense positive emotional responses. “Own the Dream | Rocket” ranked fourth. The video’s description clearly states: “Everyone deserves their shot at the American Dream.” This generated intense positive emotional responses with 52.6% of people. In fifth place was “Pfizer | Big Game Commercial 2025 | Knock Out.” As the video’s description explains, “Pfizer is fighting for 8 cancer breakthroughs by 2030.” This triggered intense positive emotional responses from 52.3% of people. It’s also worth noting that “LAY’S | The Little Farmer | :60” ranked no. 8 and “Budweiser | Super Bowl LIX ‘First Delivery’” ranked no. 10 in DAIVID’s list of Top 10 Most Emotionally Engaging Super Bowl 2025 ads. Different methodologies can still yield similar results. However, DAIVID’s post-game analysis yielded significantly different insights than USA Today’s. Super Bowl 2025 ads were the least effective in five years, per DAIVID’s Creative Effectiveness Score. The average ad scored 6.2 out of 10, the lowest since 2020, generating less attention and positive emotion than previous years. While many advertisers aimed for humor, serious and purpose-driven ads dominated the top 10, with the NFL’s “Somebody” ad being the most emotionally engaging. Ian Forrester, DAIVID’s CEO and founder, observed: “With the vast majority of Super Bowl advertisers trying to make us laugh this year, it’s interesting that brands that stepped away from the usual Super Bowl celebrity/humor trope have attracted the most positivity. It shows just how hard it is to cut-through when so many are trying the same approach. With overall effectiveness also down, maybe it’s time brands tried something different to get people’s attention on game day.” What’s next: Insights beyond the Big Game In the coming days, digital marketers can expect more rankings from Kantar, System1, and other organizations analyzing the impact of Big Game ads on both performance and branding. These insights matter because metrics like Brand Life and Engaged-View Key Events can serve as KPIs for “spike and sustain” campaigns beyond the Super Bowl – whether for back-to-school season, Thanksgiving, or a major product launch. View the full article

Snap has developed an advanced AI diffusion model capable of generating high-resolution images on mobile devices in seconds, marking a significant leap in mobile-first artificial intelligence. The compact and efficient model is expected to power several new Snapchat features in the coming months. Snap’s latest AI innovation is designed to run entirely on-device, eliminating the need for cloud-based processing while reducing computational costs. The company reports that the model can generate high-resolution images in approximately 1.4 seconds on an iPhone 16 Pro Max. Unlike server-reliant AI tools, Snap’s model is optimized for mobile efficiency, making AI-generated imagery more accessible without requiring heavy processing power. The model achieves its performance through innovative training techniques, transferring knowledge from large-scale diffusion models into a smaller, more efficient architecture. Snap plans to integrate this technology into its platform, enhancing AI-driven experiences for users. The model is expected to support features such as AI Snaps, AI Bitmoji Backgrounds, and other AI-powered visual tools. By leveraging in-house AI advancements, Snap aims to provide faster, high-quality AI tools at a lower operating cost. Snap has maintained a strong focus on model optimization and efficiency, emphasizing its role in making AI tools more affordable and accessible. The company highlighted its continued investment in cutting-edge AI and ML technologies to support mobile-first innovation. “We are inspired by the industry innovation that is making AI tools more efficient, affordable, and accessible, and we look forward to continuing to contribute to the rapid pace of innovation, particularly for mobile-first experiences,” Snap stated in its announcement. This article, "Snap Unveils AI Text-to-Image Model Optimized for Mobile Devices" was first published on Small Business Trends View the full article

Snap has developed an advanced AI diffusion model capable of generating high-resolution images on mobile devices in seconds, marking a significant leap in mobile-first artificial intelligence. The compact and efficient model is expected to power several new Snapchat features in the coming months. Snap’s latest AI innovation is designed to run entirely on-device, eliminating the need for cloud-based processing while reducing computational costs. The company reports that the model can generate high-resolution images in approximately 1.4 seconds on an iPhone 16 Pro Max. Unlike server-reliant AI tools, Snap’s model is optimized for mobile efficiency, making AI-generated imagery more accessible without requiring heavy processing power. The model achieves its performance through innovative training techniques, transferring knowledge from large-scale diffusion models into a smaller, more efficient architecture. Snap plans to integrate this technology into its platform, enhancing AI-driven experiences for users. The model is expected to support features such as AI Snaps, AI Bitmoji Backgrounds, and other AI-powered visual tools. By leveraging in-house AI advancements, Snap aims to provide faster, high-quality AI tools at a lower operating cost. Snap has maintained a strong focus on model optimization and efficiency, emphasizing its role in making AI tools more affordable and accessible. The company highlighted its continued investment in cutting-edge AI and ML technologies to support mobile-first innovation. “We are inspired by the industry innovation that is making AI tools more efficient, affordable, and accessible, and we look forward to continuing to contribute to the rapid pace of innovation, particularly for mobile-first experiences,” Snap stated in its announcement. This article, "Snap Unveils AI Text-to-Image Model Optimized for Mobile Devices" was first published on Small Business Trends View the full article

The world’s leading minds in AI are gathering in Paris for the AI Action Summit, which kicked off on Monday. French president Emmanuel Macron is hosting the summit, which includes Vice President JD Vance among its attendees. But the summit—which is focused on discussion and debate about the future of the technology—comes at a time when things are moving quickly in the AI space. While France’s minister for AI and digital affairs, Clara Chappaz, may want to keep the debate focused on three key objectives for the summit, covering societal and cultural, economic, and diplomatic needs, there’s much more going on at the minute. Between Project Stargate, the U.S.’s $500 billion plan to try and corner off the development of AI and to head off the rise of China in the space, to joint ventures being brokered between Japan and OpenAI to provide proprietary platforms and models to boost businesses there, it may seem like there’s plenty of action happening outside official communiques and conferences. And that’s before you get to the epoch-changing impact of DeepSeek’s arrival, and its R1 model’s ability to upend the economics of the generative AI revolution. This marks the third major summit since the U.K. hosted one at Bletchley Park in November 2023. What, exactly, is the point of these discussions? “In my opinion, this is first and foremost a diplomatic move that aims at facilitating the convergence of AI governance, generating debate on the impact of AI on societies,” says Thomas Husson, vice president and principal analyst at Forrester, who is attending the summit. “It’s unlikely a major announcement will be made, but what matters here is the continuous dialogue on AI global regulation.” But critics argue that, in a world where governments simply aren’t catching up to the private companies engaged in a relentless AI race (and where countries and private companies are striking semi-protectionist deals), “continuous dialogue” may not solve much. “To be the architects of a positive future for AI, governments need to build out the incentives required to make sure the technology works, is safe and is trustworthy—making sure the roof doesn’t fall in on us,” says Gaia Marcus, director of the Ada Lovelace Institute, an independent research institute focused on the development of AI. “Governments also need to build and invest in alternatives that ensure the value and benefits of tech advances can be felt by everyone—and avoid paying extortionate rent to a few large companies for a generation.” The current plan for the summit, as evidenced through a leaked draft of the summit’s pledge, doesn’t do that, Marcus says. “Based on the initial draft, we are concerned that the scaffolding provided by the official summit declaration is not strong enough,” she tells Fast Company. Those in the AI safety space fear that another milquetoast declaration does little more than provide further breathing room for big tech companies to pull away even further from regulation. There are some strong points within the planned pledge at the end of the summit, however. “The declaration does highlight widespread consensus on key structural risks, like market concentration, labor market impacts and sustainability challenges,” Marcus adds. “But it fails to build on the mission of making AI safe and trustworthy.” And more broadly, it all adds up to a growing feeling of hopelessness. View the full article

The Pixel 9 Pro is the latest and most premium model in the Pixel lineup, and right now, the unlocked 128GB Google Pixel 9 Pro is discounted to $799 (originally $999). That's matching the lowest price it has ever been on Amazon, according to price-tracking tools. The 256GB version is also at its lowest price of $899 (originally $1,099), doubling your storage for $100. so too are the 512GB version, currently $1,019 (originally $1,219), and the 1TB version currently $1,249 (originally $1,449). Google Pixel 9 Pro, 128 GB $799.00 at Amazon /images/amazon-prime.svg $999.00 Save $200.00 Get Deal Get Deal $799.00 at Amazon /images/amazon-prime.svg $999.00 Save $200.00 Google Pixel 9 Pro, 256 GB $899.00 at Amazon /images/amazon-prime.svg $1,099.00 Save $200.00 Get Deal Get Deal $899.00 at Amazon /images/amazon-prime.svg $1,099.00 Save $200.00 Google Pixel 9 Pro, 512 GB $1,019.00 at Amazon /images/amazon-prime.svg $1,219.00 Save $200.00 Get Deal Get Deal $1,019.00 at Amazon /images/amazon-prime.svg $1,219.00 Save $200.00 Google Pixel 9 Pro, 1TB $1,249.00 at Amazon /images/amazon-prime.svg $1,449.00 Save $200.00 Get Deal Get Deal $1,249.00 at Amazon /images/amazon-prime.svg $1,449.00 Save $200.00 SEE 1 MORE The Pixel 9 Pro is the middle-of-the-pack option, sandwiched between the cheaper Pixel 9 and the Pixel 9 Pro Fold. (the Pixel 9 Pro XL is essentially the same phone, just bigger). The Pixel 9 Pro comes with 16GB of RAM, starts with 128GB of memory storage, a maximum 120 HZ refresh rate, and the Android 14 operating system. As Lifehacker's associate tech editor Michelle Ehrhardt explained in her review of the Pixel 9 Pro, the phone's hardware is the best Google has made so far, but its AI features still have hiccups. However, AI features will keep improving over time; the most important thing to get right is the hardware. The battery life can last around 18 hours and 40 minutes, according to Michelle's review (she watched YouTube videos the entire time). The main camera has a 50MP shooter, a 48MP ultra-wide camera with a 123-degree field of view, and a 48MP telephoto camera with a 30x Super Res Zoom. If you have the Pixel 8 Pro, you might not notice a huge upgrade in this version. However, if you're upgrading from an older version or doing a switch from a non-Pixel phone, the 9 Pro has a lot to love. One of my favorite things about Pixel phones is the ongoing support for many years. My Pixel 6A still gets all of the updates and tons of AI features that make the phone feel fresh many years later, with the latest ones dropping last month. With the Pixel 9 Pro, you'll be getting a quality phone with software updates for a while (as long as seven years). View the full article

Lord Glasman’s criticism comes as tensions rise between liberal and conservative wings of Sir Keir Starmer’s party View the full article

As a small business owner, understanding the significance of a collection letter template is crucial. These letters not only assist in tracking your sales and receivables but also serve as a powerful tool for reclaiming owed money. If you’re in search of innovative strategies or simply wish to refine your approach, this article presents five distinct collection letter samples. Each is meticulously crafted to optimize payment punctuality. Dive in and explore how this template can transform your collection process! What Is a Collection Letter? A collection letter, often regarded as a debt collection letter, is a formal communication dispatched by either a creditor or a collection agency to individuals or entities in default. This situation arises when a debtor fails to acknowledge or fulfill their obligation to repay a specific amount, whether it relates to a loan, credit card, or other financial responsibilities. The primary objective of this correspondence is twofold: to serve as a reminder of the outstanding financial commitment and to motivate the debtor to settle the overdue amount. READ MORE: 12 Printable Invoice Template Options How to Write Debt Collection Letters Navigating the complexities of debt collection can be difficult, especially when aiming to keep a positive relationship with the debtor. Often, collection agencies resort to generic templates, which, though efficient, may not cater to the individual nature of every debt. To strike the right chord with the recipient, personalizing the collection letter to the debtor’s specific situation is crucial. Below are some steps to guide you in crafting an impactful debt collection letter: Step 1: Get to the point Clarity is key when addressing such sensitive matters. From the outset, ensure that your collection letter is straightforward, stating explicitly why you are reaching out. Highlight the outstanding amount, the original due date, and any additional charges or interest accrued. Ambiguity can lead to misunderstandings, which could further complicate the collection process. Step 2: Use a polite, professional tone Treading the fine line between firmness and respect is essential. While it’s crucial to emphasize the seriousness of the situation, it’s equally important to approach the matter with civility. Remember, the end goal is resolution, not confrontation. Adopting a courteous and professional demeanor not only upholds the reputation of your organization but can also foster a more cooperative response from the debtor. Step 3: Keep it short and sweet In collection letters, brevity is a strength. While it’s crucial to provide all pertinent information, avoid overwhelming the debtor with excessive details or jargon. Aim for a concise yet comprehensive approach. Clearly specify the main points: the amount owed, the due date, and any associated penalties. Keep in mind that the clearer and more straightforward your message is, the more likely it is to be comprehended and acted upon. Step 4: Make payment easy Make the payment process easier for the debtor by clearly outlining the available payment methods. Whether they prefer to pay via bank transfer, online portal, check, or another option, present the steps in a straightforward manner. Ensure that your contact details, including a phone number and email address, are prominently displayed. This not only simplifies the process for the debtor but also shows your proactive approach to finding a resolution. Step 5: Follow-up Persistence often pays off. If your initial collection letter doesn’t yield results, be prepared to engage in follow-up actions. Depending on the circumstances, a courteous phone call can often open lines of communication, allowing you to understand the debtor’s situation better and potentially negotiate a payment plan. If personal visits are part of your collection strategy, ensure they are conducted respectfully and professionally. Consider sending a series of escalating letters, each more firm than the last, to emphasize the seriousness of the matter. Remember, the aim is always resolution and recovery, so tailor your approach based on the debtor’s responsiveness. How to Write Debt Collection Letters: Main Points Get to the Point: Clearly state your purpose without unnecessary details. Maintain Politeness: Use a professional tone to avoid confrontations. Keep it Concise: Short letters are often more effective and clear. Ease of Payment: Provide clear payment instructions. Follow-up: If no payment is received, make sure to revisit the matter. READ MORE: Use This Invoice Example to Design Your Own Collection Letter Example Let’s say you’re a small business owner, and you’ve just sent out your invoices for the month. A few days go by, and you don’t receive payment from one of your customers. You give them a call, but there’s no answer. What do you do next? Send a collection letter, of course! Here is the first collection letter template you can use: Dear __________, I’m writing to remind you that payment on your outstanding balance of $ ______ is past due. I strongly encourage you to make payment as soon as possible to avoid any additional fees or penalties. If you have any questions, please don’t hesitate to contact me at ___________. Thank you for your attention to this matter. Sincerely, Your name More Effective Collection Letter Examples Utilizing a collection letter template, such as the one mentioned above, is an excellent initial step; however, further action is necessary to achieve results. Now, let’s examine the second collection letter example that can assist you in receiving the payment you are owed. Second Collection Letter Template The first letter can be effective, but you may need to take a more direct approach to get results. This second collection letter template is designed to do just that. Dear __________, We regret to inform you that you have failed to make a payment on the outstanding balance of your owed debt of __________ dollars. Please take immediate action to rectify this situation. Continuing to neglect debt payments can result in many legal penalties, including wage garnishment, legal action, and seizure of assets. If you have any questions, please do not hesitate to contact our office. Sincerely, Your name READ MORE: Who Owes You Money? Xero Invoice Reminders Help Collect Third Collection Letter Template Let’s take a look at the third collection letter template that can be used as a last resort. This letter should be used when you have had no success in receiving payments and are looking to make a payment arrangement with your client. Dear __________, We regret to inform you that your account with us remains unpaid. Your current balance is $____________ outstanding. To date, we have not received payment or heard from you regarding payment arrangements. Please take immediate action to rectify this situation. If you have any questions, please do not hesitate to contact our offices. Thank you for your attention to this matter. Sincerely, Your name Fourth Collection Letter Template This collection letter template reflects that the client has not made any payments in a while, if at all, and that the business has been unable to reach them via phone or mail. Dear __________, We regret to inform you that we have not received any payments from you in a while and have been unable to reach you via phone or mail. We understand that these are difficult times for everyone, but we must insist on payment of the outstanding balance immediately. Please contact us as soon as possible to make a payment or to discuss arrangements for payment. Thank you for your understanding. Sincerely, Your name Fifth Collection Letter Template This is a collection letter template that mentions that the client has not made any payments, the business has been unable to reach them by phone or mail, it is a final notice, and legal action may be taken. Dear __________, Unfortunately, we have not received any payments from you in several months, and our attempts to reach you by phone or mail have been unsuccessful. We understand that times can be tough, but we must insist on receiving the outstanding balance of $__,___ immediately. This is your final notice and we will be forced to take legal action if payment is not received within 7 days. Thank you for your understanding and attention to this matter. Sincerely, Your name Comparison of Collection Letter Approaches To provide a clearer understanding of how collection letters can be tailored to the situation, the table below breaks down the different approaches taken in each letter. As the sequence progresses from the 1st to the 5th letter, the tone and urgency of the message intensify. Letter #ApproachKey ElementsPurpose 1Polite ReminderGentle reminder of overdue balance; Offer of assistanceGently nudge the debtor and remind them of their outstanding payment 2More Direct ApproachNotice of failure to pay; Consequences of continued neglectBring to attention the seriousness of the debt and potential consequences 3Inquiry and UnderstandingAsking for reasons for non-paymentUnderstand debtor's situation and re-emphasize the importance of payment 4Stern WarningMultiple attempts mentioned; Warning of collection agencyConvey the urgency and potential actions the creditor might take next 5Final NoticeLast chance for resolution before legal actionsProvide the debtor with one last opportunity to clear the dues and avoid legal consequences READ MORE: 10 Invoice Email Template Examples Collection Letter Tips A debt collection letter can be an effective way to collect money owed to you. An effective letter can facilitate the repayment process, bridging the gap between creditors and debtors. Yet, to optimize its efficacy, it’s essential to incorporate certain best practices. Here are six enhanced guidelines to help you curate a persuasive collection letter: Use a template Though not obligatory, employing a standardized template can be beneficial. Templates offer a structured format, ensuring consistency across communications. Not only does this reflect professionalism, but it can also streamline the writing process, especially if you’re managing multiple debts. Plus, having a set pattern can alleviate the stress of starting from scratch, allowing you to focus on the individualized details. Include all relevant information Your collection letters should be repositories of all pertinent details. From the exact outstanding amount and the initial debt date to any accrued interest, be exhaustive. Additionally, always include your current contact information to provide the debtor with several ways to get in touch. This approach removes any uncertainty and paves the way for a more efficient resolution. Be clear It’s extremely important to be clear in your approach. While detailing the situation, strip away any superfluous language. Adopt a straightforward approach, emphasizing the core issue and your expectations. An unequivocal message not only minimizes confusion but also underscores the seriousness of the debt, prompting timely action. Be polite and understanding Dealing with debt can be a stressful and often humbling experience for many. Given the unpredictability of life and the external factors such as the current economic climate marked by inflation, soaring fuel costs, and other pressures, it’s essential to approach every debtor with empathy and respect. Remember, being courteous doesn’t mean compromising firmness. Instead, it means recognizing the human element, the challenges people face, and approaching them with patience. Such understanding can pave the way for more productive and less contentious interactions. Be flexible Recognizing the nuances of each debtor’s situation is crucial in the realm of debt collection. While templates and standardized processes can streamline operations, remember to individualize your approach. Every debt has its own history, reasons, and complexities. Being flexible in your approach, whether regarding repayment plans or the frequency of communication, can lead to significant improvements. Every collection letter should be crafted with a balance of standard information and personal touches that address the particular debtor’s circumstances. Follow the law Navigating the domain of debt collection is not just about effective communication; it’s also about legal adherence. Every jurisdiction comes with its set of regulations that guide and control the process of debt collection. In the U.S., for instance, the Fair Debt Collection Practices Act (FDCPA) lays down specific guidelines to ensure that debt collectors act justly and ethically. Compliance is non-negotiable. Always stay updated with the legal frameworks, regularly reviewing them to ensure your actions are always within the bounds of the law. This not only safeguards your operations but also boosts your credibility among debtors. READ MORE: Report: People Complain About Debt Collection, Even If You Do It Right What Do You Say In a Collection Letter? When a debt remains unpaid, the creditor may pursue legal action to recover the owed amount. In a collection letter, the creditor usually warns that such action will be taken if the debt is not settled. This letter can serve as a scare tactic to encourage the debtor to make a payment, or it may represent the initial step toward legal proceedings. What Is a Collections Letter Template? A collection letter template is a standardized letter utilized by debt collectors to request payment for a debt. This letter usually specifies the amount owed, the deadline for payment, and the collector’s contact information. When using a template, it is essential to conduct thorough research and be aware of your state’s regulations concerning debt collection. How Do You Customize a Collection Letter Template? You can customize a collection letter template by adding your company’s information and by personalizing the letter to fit the individual customer’s situation. For example, if the customer has been a good payer in the past but has missed a payment recently, you may want to include a friendly reminder that payment is due soon. Image: Envato Elements This article, "Effective Collection Letter Templates for Prompt Payments" was first published on Small Business Trends View the full article

As a small business owner, understanding the significance of a collection letter template is crucial. These letters not only assist in tracking your sales and receivables but also serve as a powerful tool for reclaiming owed money. If you’re in search of innovative strategies or simply wish to refine your approach, this article presents five distinct collection letter samples. Each is meticulously crafted to optimize payment punctuality. Dive in and explore how this template can transform your collection process! What Is a Collection Letter? A collection letter, often regarded as a debt collection letter, is a formal communication dispatched by either a creditor or a collection agency to individuals or entities in default. This situation arises when a debtor fails to acknowledge or fulfill their obligation to repay a specific amount, whether it relates to a loan, credit card, or other financial responsibilities. The primary objective of this correspondence is twofold: to serve as a reminder of the outstanding financial commitment and to motivate the debtor to settle the overdue amount. READ MORE: 12 Printable Invoice Template Options How to Write Debt Collection Letters Navigating the complexities of debt collection can be difficult, especially when aiming to keep a positive relationship with the debtor. Often, collection agencies resort to generic templates, which, though efficient, may not cater to the individual nature of every debt. To strike the right chord with the recipient, personalizing the collection letter to the debtor’s specific situation is crucial. Below are some steps to guide you in crafting an impactful debt collection letter: Step 1: Get to the point Clarity is key when addressing such sensitive matters. From the outset, ensure that your collection letter is straightforward, stating explicitly why you are reaching out. Highlight the outstanding amount, the original due date, and any additional charges or interest accrued. Ambiguity can lead to misunderstandings, which could further complicate the collection process. Step 2: Use a polite, professional tone Treading the fine line between firmness and respect is essential. While it’s crucial to emphasize the seriousness of the situation, it’s equally important to approach the matter with civility. Remember, the end goal is resolution, not confrontation. Adopting a courteous and professional demeanor not only upholds the reputation of your organization but can also foster a more cooperative response from the debtor. Step 3: Keep it short and sweet In collection letters, brevity is a strength. While it’s crucial to provide all pertinent information, avoid overwhelming the debtor with excessive details or jargon. Aim for a concise yet comprehensive approach. Clearly specify the main points: the amount owed, the due date, and any associated penalties. Keep in mind that the clearer and more straightforward your message is, the more likely it is to be comprehended and acted upon. Step 4: Make payment easy Make the payment process easier for the debtor by clearly outlining the available payment methods. Whether they prefer to pay via bank transfer, online portal, check, or another option, present the steps in a straightforward manner. Ensure that your contact details, including a phone number and email address, are prominently displayed. This not only simplifies the process for the debtor but also shows your proactive approach to finding a resolution. Step 5: Follow-up Persistence often pays off. If your initial collection letter doesn’t yield results, be prepared to engage in follow-up actions. Depending on the circumstances, a courteous phone call can often open lines of communication, allowing you to understand the debtor’s situation better and potentially negotiate a payment plan. If personal visits are part of your collection strategy, ensure they are conducted respectfully and professionally. Consider sending a series of escalating letters, each more firm than the last, to emphasize the seriousness of the matter. Remember, the aim is always resolution and recovery, so tailor your approach based on the debtor’s responsiveness. How to Write Debt Collection Letters: Main Points Get to the Point: Clearly state your purpose without unnecessary details. Maintain Politeness: Use a professional tone to avoid confrontations. Keep it Concise: Short letters are often more effective and clear. Ease of Payment: Provide clear payment instructions. Follow-up: If no payment is received, make sure to revisit the matter. READ MORE: Use This Invoice Example to Design Your Own Collection Letter Example Let’s say you’re a small business owner, and you’ve just sent out your invoices for the month. A few days go by, and you don’t receive payment from one of your customers. You give them a call, but there’s no answer. What do you do next? Send a collection letter, of course! Here is the first collection letter template you can use: Dear __________, I’m writing to remind you that payment on your outstanding balance of $ ______ is past due. I strongly encourage you to make payment as soon as possible to avoid any additional fees or penalties. If you have any questions, please don’t hesitate to contact me at ___________. Thank you for your attention to this matter. Sincerely, Your name More Effective Collection Letter Examples Utilizing a collection letter template, such as the one mentioned above, is an excellent initial step; however, further action is necessary to achieve results. Now, let’s examine the second collection letter example that can assist you in receiving the payment you are owed. Second Collection Letter Template The first letter can be effective, but you may need to take a more direct approach to get results. This second collection letter template is designed to do just that. Dear __________, We regret to inform you that you have failed to make a payment on the outstanding balance of your owed debt of __________ dollars. Please take immediate action to rectify this situation. Continuing to neglect debt payments can result in many legal penalties, including wage garnishment, legal action, and seizure of assets. If you have any questions, please do not hesitate to contact our office. Sincerely, Your name READ MORE: Who Owes You Money? Xero Invoice Reminders Help Collect Third Collection Letter Template Let’s take a look at the third collection letter template that can be used as a last resort. This letter should be used when you have had no success in receiving payments and are looking to make a payment arrangement with your client. Dear __________, We regret to inform you that your account with us remains unpaid. Your current balance is $____________ outstanding. To date, we have not received payment or heard from you regarding payment arrangements. Please take immediate action to rectify this situation. If you have any questions, please do not hesitate to contact our offices. Thank you for your attention to this matter. Sincerely, Your name Fourth Collection Letter Template This collection letter template reflects that the client has not made any payments in a while, if at all, and that the business has been unable to reach them via phone or mail. Dear __________, We regret to inform you that we have not received any payments from you in a while and have been unable to reach you via phone or mail. We understand that these are difficult times for everyone, but we must insist on payment of the outstanding balance immediately. Please contact us as soon as possible to make a payment or to discuss arrangements for payment. Thank you for your understanding. Sincerely, Your name Fifth Collection Letter Template This is a collection letter template that mentions that the client has not made any payments, the business has been unable to reach them by phone or mail, it is a final notice, and legal action may be taken. Dear __________, Unfortunately, we have not received any payments from you in several months, and our attempts to reach you by phone or mail have been unsuccessful. We understand that times can be tough, but we must insist on receiving the outstanding balance of $__,___ immediately. This is your final notice and we will be forced to take legal action if payment is not received within 7 days. Thank you for your understanding and attention to this matter. Sincerely, Your name Comparison of Collection Letter Approaches To provide a clearer understanding of how collection letters can be tailored to the situation, the table below breaks down the different approaches taken in each letter. As the sequence progresses from the 1st to the 5th letter, the tone and urgency of the message intensify. Letter #ApproachKey ElementsPurpose 1Polite ReminderGentle reminder of overdue balance; Offer of assistanceGently nudge the debtor and remind them of their outstanding payment 2More Direct ApproachNotice of failure to pay; Consequences of continued neglectBring to attention the seriousness of the debt and potential consequences 3Inquiry and UnderstandingAsking for reasons for non-paymentUnderstand debtor's situation and re-emphasize the importance of payment 4Stern WarningMultiple attempts mentioned; Warning of collection agencyConvey the urgency and potential actions the creditor might take next 5Final NoticeLast chance for resolution before legal actionsProvide the debtor with one last opportunity to clear the dues and avoid legal consequences READ MORE: 10 Invoice Email Template Examples Collection Letter Tips A debt collection letter can be an effective way to collect money owed to you. An effective letter can facilitate the repayment process, bridging the gap between creditors and debtors. Yet, to optimize its efficacy, it’s essential to incorporate certain best practices. Here are six enhanced guidelines to help you curate a persuasive collection letter: Use a template Though not obligatory, employing a standardized template can be beneficial. Templates offer a structured format, ensuring consistency across communications. Not only does this reflect professionalism, but it can also streamline the writing process, especially if you’re managing multiple debts. Plus, having a set pattern can alleviate the stress of starting from scratch, allowing you to focus on the individualized details. Include all relevant information Your collection letters should be repositories of all pertinent details. From the exact outstanding amount and the initial debt date to any accrued interest, be exhaustive. Additionally, always include your current contact information to provide the debtor with several ways to get in touch. This approach removes any uncertainty and paves the way for a more efficient resolution. Be clear It’s extremely important to be clear in your approach. While detailing the situation, strip away any superfluous language. Adopt a straightforward approach, emphasizing the core issue and your expectations. An unequivocal message not only minimizes confusion but also underscores the seriousness of the debt, prompting timely action. Be polite and understanding Dealing with debt can be a stressful and often humbling experience for many. Given the unpredictability of life and the external factors such as the current economic climate marked by inflation, soaring fuel costs, and other pressures, it’s essential to approach every debtor with empathy and respect. Remember, being courteous doesn’t mean compromising firmness. Instead, it means recognizing the human element, the challenges people face, and approaching them with patience. Such understanding can pave the way for more productive and less contentious interactions. Be flexible Recognizing the nuances of each debtor’s situation is crucial in the realm of debt collection. While templates and standardized processes can streamline operations, remember to individualize your approach. Every debt has its own history, reasons, and complexities. Being flexible in your approach, whether regarding repayment plans or the frequency of communication, can lead to significant improvements. Every collection letter should be crafted with a balance of standard information and personal touches that address the particular debtor’s circumstances. Follow the law Navigating the domain of debt collection is not just about effective communication; it’s also about legal adherence. Every jurisdiction comes with its set of regulations that guide and control the process of debt collection. In the U.S., for instance, the Fair Debt Collection Practices Act (FDCPA) lays down specific guidelines to ensure that debt collectors act justly and ethically. Compliance is non-negotiable. Always stay updated with the legal frameworks, regularly reviewing them to ensure your actions are always within the bounds of the law. This not only safeguards your operations but also boosts your credibility among debtors. READ MORE: Report: People Complain About Debt Collection, Even If You Do It Right What Do You Say In a Collection Letter? When a debt remains unpaid, the creditor may pursue legal action to recover the owed amount. In a collection letter, the creditor usually warns that such action will be taken if the debt is not settled. This letter can serve as a scare tactic to encourage the debtor to make a payment, or it may represent the initial step toward legal proceedings. What Is a Collections Letter Template? A collection letter template is a standardized letter utilized by debt collectors to request payment for a debt. This letter usually specifies the amount owed, the deadline for payment, and the collector’s contact information. When using a template, it is essential to conduct thorough research and be aware of your state’s regulations concerning debt collection. How Do You Customize a Collection Letter Template? You can customize a collection letter template by adding your company’s information and by personalizing the letter to fit the individual customer’s situation. For example, if the customer has been a good payer in the past but has missed a payment recently, you may want to include a friendly reminder that payment is due soon. Image: Envato Elements This article, "Effective Collection Letter Templates for Prompt Payments" was first published on Small Business Trends View the full article

Documents show HSBC uncovered ‘extensive and systemic’ invoice issues at UK start-upView the full article

Judge says Iya Patarkatsishvili and husband are due ‘substantial’ damages after London property affected by millions of insectsView the full article

Oliver Ryan was a member of the same message group as former health minister Andrew GwynneView the full article

Allegations of gender discrimination and improper loan origination practices against LoanDepot were dismissed on Feb. 7. View the full article

Two questions to ask when choosing new tools. By Alan Anderson, CPA Transforming Audit for the Future Go PRO for members-only access to more Alan Anderson. View the full article

Two questions to ask when choosing new tools. By Alan Anderson, CPA Transforming Audit for the Future Go PRO for members-only access to more Alan Anderson. View the full article

OpenAI is trying really hard to make ChatGPT Search into a viable product. It's available for free, to all users, without limits. And now, just like with Google Search, it can be used without logging into an account. But even with all it AI features, Google Search still focuses on giving you links to pages directly, while ChatGPT Search instead uses online sources to give you an answer, backed up by links. You can click the links in your answer's sources to open a website (and you really should check ChatGPT's homework, as it tends to hallucinate quite a bit), but the question remains: is ChatGPT Search worth making your default search engine, and is that even possible? What is ChatGPT Search? Credit: Khamosh Pathak ChatGPT Search is OpenAI's attempt at integrating something akin to an internet search engine into its AI products. You access it through the same page as regular ChatGPT— clicking the "Search" button before pressing "Enter" will turn your question into a search instead. OpenAI will then pipe the knowledge from its internet search, gathering the latest information, into its latest AI model. The result is still a verbose, text-heavy answer to your question, but now with links to sources cited throughout. Though, for topics like the weather, you do get visual results. Even compared to Perplexity, ChatGPT's Search interface is light on media, contextual information, and videos. Compared to Google Search, you don't get boxes of sponsored posts or product lists. You also, by default, don't get a list of links, but you can scroll down to the bottom of your answer and click the Sources button to open a short list up in a sidebar. The interface is simple: it's still just text, but better formatted, giving you different sections with citations, and highlighting different results. Should you make ChatGPT Search your default search engine?A user's default search engine is a coveted spot, and most browsers only include a couple of popular and safe options like Google Search, DuckDuckGo, Bing, and so on. So far, no browser has made space for ChatGPT Search on that list. There are, however, workarounds. In fact, OpenAI's official method itself is a workaround. It turns out that browsers like Chrome and Firefox will let you switch the default browser, but only if it comes in form of a vetted extension from their own extensions store. Before I get to these workarounds, I want to say that this caution does make sense. A search engine is a window to your entire online world. Many users don't manually type in website URLs to navigate to webpages anymore. They search on Google instead, and click the first link that pops up (a dangerous practice that leads to a lot of phishing scams, but that's besides the point). Trust is a huge factor when you're choosing a search engine, and I'm not sure if ChatGPT clears that bar yet. In our comparison between Google Search and ChatGPT Search, we found the ChatGPT Search interface to be much better than the bloated mess that Google Search has become. ChatGPT Search is good at explaining things to you directly and can be a great way to research a product deeply before buying something new. But for day-to-day use, where you're searching around to get a link to a web page, ChatGPT Search just doesn't cut it. For most users, I would recommend you stick with Google, use a couple of tips to remove the AI nuisances if you wish, or consider a privacy-friendly search engine like Kagi. How to make ChatGPT Search your default search engine, if you mustIf you've come this far and still want to set ChatGPT Search as your default search engine, you can do so using OpenAI's official ChatGPT Search Chrome extension. This works in Chrome and other Chromium-based browsers like Microsoft Edge, Vivaldi, Brave, and so on. Note, though, that Microsoft Edge throws up an extra popup when you try to enable it, and Chrome, too, will ask for confirmation before it lets go of the default search engine spot. Still, once installed, anything you type in the URL bar that isn't a valid web address will instead directly go through ChatGPT Search. Credit: Khamosh Pathak Safari and Firefox, unfortunately, don't support ChatGPT Search as a search engine, and there's no extension for them, either. Though, there's still a workaround for Firefox, which I'll go over in the next section. How to create a ChatGPT Search shortcut Even if you're able to make ChatGPT Search your default search engine, for most people, I think it would be best to create a shortcut for ChatGPT Search instead. It's called Site Search, and it's available in all Chromium browsers as well as Firefox (sorry, Safari users). It's a really straightforward process in Chromium browsers. Open Settings in Chrome, go to Search Engine from the sidebar, and in the Site Search section, click the Add button. Here, enter "https://chatgpt.com/?q=%s&hints=search" in the URL section, and use something like "@gpt" as a shortcut. Give it a name, like "ChatGPT Search" and click Save. Credit: Khamosh Pathak Now, go to the URL bar, type "@gpt" or whatever you named your shortcut, hit the space bar, and type out what you want to ask ChatGPT Search. When you hit enter, it will open the results in ChatGPT, just like it would if ChatGPT were your default search engine. In Firefox, setting this kind of shortcut requires accessing the hidden settings page. Type "about:config" in the address bar, and click Accept the Risk and Continue. In the Search bar, type "browser.urlbar.update2.engineAliasRefresh", and click the Plus icon next to the search result. Now, make sure that the value is True. Credit: Khamosh Pathak Now, go to Firefox settings, and from the sidebar, choose Search. In the Search Shortcuts section, click the Add button. Add "https://chatgpt.com/?q=%s&hints=search" as the Engine URL, give it a name, and an alias, which is the shortcut. Then, click Add Engine. Credit: Khamosh Pathak Now, you've added ChatGPT as a site search that you can trigger using a shortcut. Credit: Khamosh Pathak The new ChatGPT site search will also now show up now in the Default Search Engine box, so if you really want to, you can make ChatGPT your default search in Firefox, too. Again, though, I wouldn't recommend you go that far. View the full article

By CPA Trendlines Research Tax professionals can make their busy season easier by educating clients with a blog or newsletter. MORE Listicles here Exclusively for PRO Members. Log in here or upgrade to PRO today. The gesture also helps retain … Continued Go PRO for members-only access to more CPA Trendlines Research. View the full article

By CPA Trendlines Research Tax professionals can make their busy season easier by educating clients with a blog or newsletter. MORE Listicles here Exclusively for PRO Members. Log in here or upgrade to PRO today. The gesture also helps retain … Continued Go PRO for members-only access to more CPA Trendlines Research. View the full article

Acting Consumer Financial Protection Bureau Director Russell Vought ordered bureau employees to "stand down" and perform no work, effective immediately. View the full article

Militant group accuses Israel of breaching aspects of fragile ceasefire in GazaView the full article

With tax season officially underway, you'll need to know the standard deduction amount you can claim for 2024. After all, most taxpayers opt to take the standard deduction rather than itemizing deductions on their federal income tax return. The standard deduction amounts tend to increase slightly each year to adjust for inflation. So let's take a look at how much you can claim in 2025 for the 2024 tax year. What's this year's standard deduction? For tax returns filed in 2025 for the 2024 tax year, here are the standard deduction amounts: Single filers: $14,600 (up from $13,850 in tax year 2023) Married couples filing jointly: $29,200 (up from $27,700 in tax year 2023) Heads of household: $21,900 (up from $20,800 in tax year 2023) Filers who are 65 or older or are blind may be eligible to claim an even higher standard deduction. For 2024, the amounts are: Single or head of household: an additional $1,950 Married filing jointly: an additional $1,550 So for example, a 68-year-old single filer would claim a $16,550 standard deduction for tax year 2024. The standard deduction makes taxes simpler for many—you can claim this base amount without having to detail itemized deductions like mortgage interest, charitable gifts, medical expenses and more. But for some filers who do have significant eligible expenses, itemizing remains the better route if the total exceeds the standard deduction. As the 2025 deadline approaches in the coming months, double-check your standard deduction amount and filing status before preparing your 1040. The IRS website also offers useful resources on deduction rules and eligibility. View the full article

Traders pay up to secure copper, steel and aluminium supplies before US president’s levies come into effectView the full article

Bubble tea, or boba tea, is a popular beverage that originated in Taiwan. It usually includes tea, milk, tapioca balls, and sometimes other toppings. There are several franchises available in the U.S. for entrepreneurs interested in building a business around this beverage. Here are a few bubble tea franchise opportunities to consider. Top Bubble Tea Franchises If you’re ready to start a bubble tea business, there are plenty of brands offering new franchise locations around the U.S. Here are some top bubble tea franchise opportunities to consider. Kung Fu Tea Kung Fu Tea is a popular brand with over 2000 stores across the U.S. The company provides a ten-step process for launching your own bubble tea franchise. Additionally, they offer various store models, including traditional storefronts and locations in airports and shopping centers. Upfront costs vary from $140,000 to $422,000 for a traditional store. Tapioca Express Tapioca Express has around 29 franchise locations in the U.S., primarily situated along the West Coast. The company offers extensive startup support services, including location selection and employee training. The initial investment ranges from approximately $200,000 to $527,000. Gong Cha Gong Cha is a bubble tea franchise that originally launched in Taiwan. Stores offer fresh tea sourced from Taiwan and tapioca pearls made from the finest ingredients. The company is currently seeking new franchisees in a number of quality locations, mainly in the Northeast. Estimated startup costs range from $177,430 to $335,400 for a single unit. Bubbleology Bubbleology is a small franchise business that offers boba, waffles, and various fruit-flavored milk teas. The recognized brand looks for experienced retail operators to develop exclusive territories across the U.S. The company only has a few locations currently, so there are many open territories available, with estimated upfront costs falling between $205,850 and $458,950. Sharetea Sharetea offers a variety of beverages, including traditional tea, milk tea, blended drinks, and fruit juices. The company originally launched in 1992 and has more than 150 stores across North America. So there’s plenty of brand recognition, but still room for growth in popular markets. Startup costs vary, starting around $300,000. Koi Tea Koi Tea provides a bubble tea franchise opportunity for individuals with experience in food service and/or retail. Each boba shop features a diverse selection of tea beverages along with rolled ice cream and various other delights. The starting investment is typically between $200,000 and $500,000. Ding Tea Ding Tea is a global brand offering franchise opportunities in the U.S. The company simply requires franchisees to be at least 20 years old, have some business experience, and be passionate about the tea industry. The initial investment ranges from about $123,000 to $422,000. CUPP Bubble Tea CUPP Bubble Tea is a U.K.-based bubble tea brand. There aren’t currently any locations in the U.S. However, the company offers an international master franchise program for those interested in opening the first bubble tea franchises in a new country. Costs for a new store start at £80,000. However, international franchises are likely to incur extra costs since they are responsible for entire territories. Bambu Bambu is a dessert and tea franchise offering boba tea, coffee, and exotic fruit smoothies. There are several locations spread throughout the country, but still room for growth in many in-demand markets. The initial investment falls between $137,000 and $321,000. HTeaO HTeaO was first introduced in Texas. The stores specialize in flavored iced teas, blended beverages, and coffee. The initial investment varies between $289,200 and $859,000. FranchiseNumber of Locations in the U.S.Cost RangeUnique Aspects Kung Fu TeaOver 2002$140,000 - $422,000Offers multiple store models Tapioca Express29$200,000 - $527,000Provides wide array of startup support services Gong ChaNot Specified$177,430 - $335,400Originated from Taiwan, seeking franchisees mainly in the Northeast BubbleologyFew$205,850 - $458,950Many open territories available ShareteaOver 150From $300,000Variety of beverages available Koi TeaNot Specified$200,000 - $500,000Franchising opportunity for those with food service and/or retail experience Ding TeaNot Specified$123,000 - $422,000Global brand, minimal requirements for franchisees CUPP Bubble TeaNoneFrom £80,000 (UK-based)Offers international master franchise program BambuSeveral$137,000 - $321,000Offers tea, coffee, and exotic fruit smoothies HTeaONot Specified$289,200 - $859,000Focus on flavored iced teas, blended drinks, and coffee Our Methodology: The Top Bubble Tea Franchises To assist entrepreneurs in making informed decisions regarding bubble tea franchise investments, we utilize a comprehensive set of evaluation criteria. Each criterion is assessed on a scale of 1 to 5, with 1 representing the least importance and 5 indicating the highest significance in our evaluation process: Market Demand and Trend Analysis Importance: 5 We evaluate the current and projected market demand for bubble tea. The popularity and trend growth of the product in targeted areas are crucial indicators of potential success. Franchise Cost and Financial Requirements Importance: 4 The initial investment, including franchise fees and setup costs, is a significant consideration. We assess the affordability and value for money of the franchise opportunity. Brand Recognition and Reputation Importance: 5 A franchise with strong brand recognition can attract more customers. We look at the franchise’s market presence, customer reviews, and overall brand reputation. Quality and Variety of Products Importance: 4 The quality of the bubble tea and the variety of flavors and options offered are important for customer satisfaction and repeat business. Training and Franchisee Support Importance: 4 We consider the level of training and ongoing support provided by the franchisor, including marketing, operational guidance, and assistance in establishing the business. Operational Efficiency and Technology Importance: 3 The efficiency of operations and the implementation of technology in business management can greatly influence profitability. This encompasses aspects such as inventory management, sales tracking, and customer service systems. Compliance and Regulatory Considerations Importance: 3 Understanding the health and safety regulations, as well as any specific food industry compliance requirements, is essential for the lawful operation of the franchise. Location and Territory Rights Importance: 4 The success of a bubble tea franchise can heavily depend on location. We assess the franchisor’s policies on territory rights and location assistance. By applying these criteria, we aim to identify bubble tea franchise opportunities that demonstrate strong profit potential, align with current market trends, and offer extensive support and resources for franchisees. The Growth of the Bubble Tea Market Bubble tea, initially a niche product, has grown exponentially in popularity across the globe. This trend has significant implications for entrepreneurs considering a bubble tea franchise. Understanding the dynamics behind this growth can offer insights into the long-term viability of these business ventures. Global Influence and Adaptation: Originally from Taiwan, bubble tea has adapted to various cultures, incorporating local flavors and preferences. This adaptability suggests a continued evolution and relevance in diverse markets. Increasing Consumer Base: The customer base for bubble tea is not just limited to the Asian diaspora. It has become a favorite among a broad demographic, including young adults and health-conscious consumers looking for alternatives to traditional soft drinks. Social Media Impact: Bubble tea’s photogenic qualities have made it popular on social media platforms. This visual appeal helps in organic marketing, as customers often share their bubble tea experiences online, contributing to its widespread popularity. What is a Bubble Tea Franchise? A bubble tea franchise is an independently owned business that sells bubble tea using a franchise model. This business structure involves a larger brand that is owned by a corporation and individual stores that are owned and operated by local franchisees. Franchisees pay an initial fee and ongoing royalties in exchange for the ability to use the brand’s established systems, branding, and resources. What a Bubble Tea Franchise Involves: Brand Recognition: One of the primary benefits of owning a franchise is the ability to operate under a well-known brand. This helps attract customers who are already familiar with the brand’s offerings and reputation. It also reduces the amount of marketing and advertising the franchisee needs to do. Initial Franchise Fee: To acquire a franchise, you generally have to pay an initial fee. This gives you the right to use the franchisor’s brand and business system. The amount varies depending on the franchise, but it typically ranges from tens of thousands to several hundred thousand dollars. Ongoing Royalties: In addition to the initial franchise fee, franchisees usually have to pay ongoing royalties to the franchisor. This is typically a percentage of the franchise’s gross revenue and is used to fund corporate support services like advertising, training, and operational support. Training and Support: Franchisors typically offer extensive training programs to ensure that franchisees are equipped to run the business effectively. This training might include everything from how to make bubble tea to how to manage the store’s finances. Additionally, franchisors often provide ongoing support in areas such as marketing, supply chain management, and product development. Location: Franchisees typically receive help from the franchisor in finding and securing a suitable location for the store. The franchisor may provide guidelines or requirements for the location to ensure it fits with the brand’s image and target market. Operational Guidelines: Franchises operate under specific guidelines provided by the franchisor. These guidelines cover everything from store design and layout to the types of products that can be sold. These standards are designed to ensure consistency across all franchises. Marketing and Advertising: Franchisors often manage large-scale marketing and advertising efforts on behalf of the entire franchise network. They may also provide guidance or resources to franchisees for local marketing efforts. Supply Chain: Franchisors typically have established relationships with suppliers, which franchisees can take advantage of. This can result in cost savings and ensures consistency in the products used and sold across all franchise locations. Owning a bubble tea franchise can be a lucrative opportunity for those interested in this trendy and popular beverage. It offers the chance to own a business with an established brand and a proven business model while still enjoying the autonomy of being a business owner. However, it’s important to carefully consider the costs and commitments involved before deciding to invest in a franchise. Why You Should Consider a Bubble Tea Franchise If you’re looking to start a business this year, here are several reasons to think about opening a bubble tea franchise: Stand out in a crowded beverage industry: Bubble tea is a unique offering in many U.S. cities. Though lots of these businesses also offer other specialty beverages like coffees and teas, a bubble tea shop is likely to get noticed. Build brand recognition: Thanks to having franchises in other markets around the country, some people are likely to already know of major bubble tea brands. So you shouldn’t have to work as hard to build trust and recognition. Get up and running quickly: Franchises offer proven systems and support with tasks like site selection and training. So you don’t have to figure these elements out on your own. Access to proven business systems: Once you’ve launched, they also provide support with marketing materials, inventory, and equipment purchases. Expand your offerings: Bubble tea shops often provide additional food and beverage options as well. So, this may be the ideal way to break into the beverage world with a small shop. How to Choose the Best Franchise to Start Your Bubble Tea Business If you’ve decided that a bubble tea franchise is right for you, there are many businesses to consider. Here are some tips for making the best decision for your goals. Consider Your Budget How much money do you have to dedicate to a franchise fee and other upfront costs? Many companies also require new franchisees to have a certain net worth to meet ongoing costs until the store becomes profitable. Research Your Local Market What bubble tea businesses already have a location in your area? If you can offer something new, your franchise may be more likely to stand out. Additionally, if you’re interested in eventually expanding with a multi-unit development, consider a brand with lots of open territory near you. Look at the Support Systems Each franchise system offers different types of support, from marketing to helping design store layouts. Think about the elements of operating a business that you need the most help with, and consider the opportunities that provide help in those important areas. Dig Into the Finances Aside from your initial investment, research ongoing expenses for each franchise, along with potential earnings. Each model should provide financial data in their franchise disclosure documentation. Sustainability in Bubble Tea Franchising Eco-Friendly Practices: With growing awareness about environmental issues, many bubble tea franchises are adopting sustainable practices. This includes using biodegradable cups and straws, sourcing ingredients locally to reduce carbon footprint, and implementing waste reduction strategies. Health-Conscious Options: Certain franchises are now providing healthier variations of bubble tea by incorporating organic ingredients, reducing sugar content, and offering dairy alternatives. This strategy addresses the growing demand for more nutritious beverage choices and can serve as a distinctive selling point for a bubble tea franchise. Community Engagement: Many bubble tea franchises actively engage in community events and local causes. This not only boosts the brand’s image but also fosters a loyal customer base who value corporate social responsibility. The Future of Bubble Tea Franchising The bubble tea market continues to grow, and its dynamic nature offers exciting opportunities for entrepreneurs. The increasing focus on sustainability and health-conscious options is not merely a trend; it is becoming essential to the food and beverage industry. As you consider a bubble tea franchise, these factors are as crucial as the financial and operational aspects. Embracing these trends can set your bubble tea business apart and position it for long-term success in a competitive market. How much does it cost to start a boba tea franchise? Each boba tea franchise has its own costs, which also vary by location. However, most brands estimate the initial investment to fall between $200,000 and $500,000. You probably won’t find many bubble tea shops when searching for franchises under 10k or even franchises under 20k. A few franchises offering a kiosk or mobile model may fall near the range of franchises under 50k. Is a bubble tea franchise profitable? As is the case with nearly any industry, some bubble tea franchises are profitable, while others are not. However, this business model certainly can bring in significant income. Many franchise owners report profit margins of 20 to 30 percent. Check the list above for some of the most profitable franchises in the bubble tea industry. Image: Envato Elements This article, "Bubble Tea Franchises: A Profitable Business Opportunity" was first published on Small Business Trends View the full article

Bubble tea, or boba tea, is a popular beverage that originated in Taiwan. It usually includes tea, milk, tapioca balls, and sometimes other toppings. There are several franchises available in the U.S. for entrepreneurs interested in building a business around this beverage. Here are a few bubble tea franchise opportunities to consider. Top Bubble Tea Franchises If you’re ready to start a bubble tea business, there are plenty of brands offering new franchise locations around the U.S. Here are some top bubble tea franchise opportunities to consider. Kung Fu Tea Kung Fu Tea is a popular brand with over 2000 stores across the U.S. The company provides a ten-step process for launching your own bubble tea franchise. Additionally, they offer various store models, including traditional storefronts and locations in airports and shopping centers. Upfront costs vary from $140,000 to $422,000 for a traditional store. Tapioca Express Tapioca Express has around 29 franchise locations in the U.S., primarily situated along the West Coast. The company offers extensive startup support services, including location selection and employee training. The initial investment ranges from approximately $200,000 to $527,000. Gong Cha Gong Cha is a bubble tea franchise that originally launched in Taiwan. Stores offer fresh tea sourced from Taiwan and tapioca pearls made from the finest ingredients. The company is currently seeking new franchisees in a number of quality locations, mainly in the Northeast. Estimated startup costs range from $177,430 to $335,400 for a single unit. Bubbleology Bubbleology is a small franchise business that offers boba, waffles, and various fruit-flavored milk teas. The recognized brand looks for experienced retail operators to develop exclusive territories across the U.S. The company only has a few locations currently, so there are many open territories available, with estimated upfront costs falling between $205,850 and $458,950. Sharetea Sharetea offers a variety of beverages, including traditional tea, milk tea, blended drinks, and fruit juices. The company originally launched in 1992 and has more than 150 stores across North America. So there’s plenty of brand recognition, but still room for growth in popular markets. Startup costs vary, starting around $300,000. Koi Tea Koi Tea provides a bubble tea franchise opportunity for individuals with experience in food service and/or retail. Each boba shop features a diverse selection of tea beverages along with rolled ice cream and various other delights. The starting investment is typically between $200,000 and $500,000. Ding Tea Ding Tea is a global brand offering franchise opportunities in the U.S. The company simply requires franchisees to be at least 20 years old, have some business experience, and be passionate about the tea industry. The initial investment ranges from about $123,000 to $422,000. CUPP Bubble Tea CUPP Bubble Tea is a U.K.-based bubble tea brand. There aren’t currently any locations in the U.S. However, the company offers an international master franchise program for those interested in opening the first bubble tea franchises in a new country. Costs for a new store start at £80,000. However, international franchises are likely to incur extra costs since they are responsible for entire territories. Bambu Bambu is a dessert and tea franchise offering boba tea, coffee, and exotic fruit smoothies. There are several locations spread throughout the country, but still room for growth in many in-demand markets. The initial investment falls between $137,000 and $321,000. HTeaO HTeaO was first introduced in Texas. The stores specialize in flavored iced teas, blended beverages, and coffee. The initial investment varies between $289,200 and $859,000. FranchiseNumber of Locations in the U.S.Cost RangeUnique Aspects Kung Fu TeaOver 2002$140,000 - $422,000Offers multiple store models Tapioca Express29$200,000 - $527,000Provides wide array of startup support services Gong ChaNot Specified$177,430 - $335,400Originated from Taiwan, seeking franchisees mainly in the Northeast BubbleologyFew$205,850 - $458,950Many open territories available ShareteaOver 150From $300,000Variety of beverages available Koi TeaNot Specified$200,000 - $500,000Franchising opportunity for those with food service and/or retail experience Ding TeaNot Specified$123,000 - $422,000Global brand, minimal requirements for franchisees CUPP Bubble TeaNoneFrom £80,000 (UK-based)Offers international master franchise program BambuSeveral$137,000 - $321,000Offers tea, coffee, and exotic fruit smoothies HTeaONot Specified$289,200 - $859,000Focus on flavored iced teas, blended drinks, and coffee Our Methodology: The Top Bubble Tea Franchises To assist entrepreneurs in making informed decisions regarding bubble tea franchise investments, we utilize a comprehensive set of evaluation criteria. Each criterion is assessed on a scale of 1 to 5, with 1 representing the least importance and 5 indicating the highest significance in our evaluation process: Market Demand and Trend Analysis Importance: 5 We evaluate the current and projected market demand for bubble tea. The popularity and trend growth of the product in targeted areas are crucial indicators of potential success. Franchise Cost and Financial Requirements Importance: 4 The initial investment, including franchise fees and setup costs, is a significant consideration. We assess the affordability and value for money of the franchise opportunity. Brand Recognition and Reputation Importance: 5 A franchise with strong brand recognition can attract more customers. We look at the franchise’s market presence, customer reviews, and overall brand reputation. Quality and Variety of Products Importance: 4 The quality of the bubble tea and the variety of flavors and options offered are important for customer satisfaction and repeat business. Training and Franchisee Support Importance: 4 We consider the level of training and ongoing support provided by the franchisor, including marketing, operational guidance, and assistance in establishing the business. Operational Efficiency and Technology Importance: 3 The efficiency of operations and the implementation of technology in business management can greatly influence profitability. This encompasses aspects such as inventory management, sales tracking, and customer service systems. Compliance and Regulatory Considerations Importance: 3 Understanding the health and safety regulations, as well as any specific food industry compliance requirements, is essential for the lawful operation of the franchise. Location and Territory Rights Importance: 4 The success of a bubble tea franchise can heavily depend on location. We assess the franchisor’s policies on territory rights and location assistance. By applying these criteria, we aim to identify bubble tea franchise opportunities that demonstrate strong profit potential, align with current market trends, and offer extensive support and resources for franchisees. The Growth of the Bubble Tea Market Bubble tea, initially a niche product, has grown exponentially in popularity across the globe. This trend has significant implications for entrepreneurs considering a bubble tea franchise. Understanding the dynamics behind this growth can offer insights into the long-term viability of these business ventures. Global Influence and Adaptation: Originally from Taiwan, bubble tea has adapted to various cultures, incorporating local flavors and preferences. This adaptability suggests a continued evolution and relevance in diverse markets. Increasing Consumer Base: The customer base for bubble tea is not just limited to the Asian diaspora. It has become a favorite among a broad demographic, including young adults and health-conscious consumers looking for alternatives to traditional soft drinks. Social Media Impact: Bubble tea’s photogenic qualities have made it popular on social media platforms. This visual appeal helps in organic marketing, as customers often share their bubble tea experiences online, contributing to its widespread popularity. What is a Bubble Tea Franchise? A bubble tea franchise is an independently owned business that sells bubble tea using a franchise model. This business structure involves a larger brand that is owned by a corporation and individual stores that are owned and operated by local franchisees. Franchisees pay an initial fee and ongoing royalties in exchange for the ability to use the brand’s established systems, branding, and resources. What a Bubble Tea Franchise Involves: Brand Recognition: One of the primary benefits of owning a franchise is the ability to operate under a well-known brand. This helps attract customers who are already familiar with the brand’s offerings and reputation. It also reduces the amount of marketing and advertising the franchisee needs to do. Initial Franchise Fee: To acquire a franchise, you generally have to pay an initial fee. This gives you the right to use the franchisor’s brand and business system. The amount varies depending on the franchise, but it typically ranges from tens of thousands to several hundred thousand dollars. Ongoing Royalties: In addition to the initial franchise fee, franchisees usually have to pay ongoing royalties to the franchisor. This is typically a percentage of the franchise’s gross revenue and is used to fund corporate support services like advertising, training, and operational support. Training and Support: Franchisors typically offer extensive training programs to ensure that franchisees are equipped to run the business effectively. This training might include everything from how to make bubble tea to how to manage the store’s finances. Additionally, franchisors often provide ongoing support in areas such as marketing, supply chain management, and product development. Location: Franchisees typically receive help from the franchisor in finding and securing a suitable location for the store. The franchisor may provide guidelines or requirements for the location to ensure it fits with the brand’s image and target market. Operational Guidelines: Franchises operate under specific guidelines provided by the franchisor. These guidelines cover everything from store design and layout to the types of products that can be sold. These standards are designed to ensure consistency across all franchises. Marketing and Advertising: Franchisors often manage large-scale marketing and advertising efforts on behalf of the entire franchise network. They may also provide guidance or resources to franchisees for local marketing efforts. Supply Chain: Franchisors typically have established relationships with suppliers, which franchisees can take advantage of. This can result in cost savings and ensures consistency in the products used and sold across all franchise locations. Owning a bubble tea franchise can be a lucrative opportunity for those interested in this trendy and popular beverage. It offers the chance to own a business with an established brand and a proven business model while still enjoying the autonomy of being a business owner. However, it’s important to carefully consider the costs and commitments involved before deciding to invest in a franchise. Why You Should Consider a Bubble Tea Franchise If you’re looking to start a business this year, here are several reasons to think about opening a bubble tea franchise: Stand out in a crowded beverage industry: Bubble tea is a unique offering in many U.S. cities. Though lots of these businesses also offer other specialty beverages like coffees and teas, a bubble tea shop is likely to get noticed. Build brand recognition: Thanks to having franchises in other markets around the country, some people are likely to already know of major bubble tea brands. So you shouldn’t have to work as hard to build trust and recognition. Get up and running quickly: Franchises offer proven systems and support with tasks like site selection and training. So you don’t have to figure these elements out on your own. Access to proven business systems: Once you’ve launched, they also provide support with marketing materials, inventory, and equipment purchases. Expand your offerings: Bubble tea shops often provide additional food and beverage options as well. So, this may be the ideal way to break into the beverage world with a small shop. How to Choose the Best Franchise to Start Your Bubble Tea Business If you’ve decided that a bubble tea franchise is right for you, there are many businesses to consider. Here are some tips for making the best decision for your goals. Consider Your Budget How much money do you have to dedicate to a franchise fee and other upfront costs? Many companies also require new franchisees to have a certain net worth to meet ongoing costs until the store becomes profitable. Research Your Local Market What bubble tea businesses already have a location in your area? If you can offer something new, your franchise may be more likely to stand out. Additionally, if you’re interested in eventually expanding with a multi-unit development, consider a brand with lots of open territory near you. Look at the Support Systems Each franchise system offers different types of support, from marketing to helping design store layouts. Think about the elements of operating a business that you need the most help with, and consider the opportunities that provide help in those important areas. Dig Into the Finances Aside from your initial investment, research ongoing expenses for each franchise, along with potential earnings. Each model should provide financial data in their franchise disclosure documentation. Sustainability in Bubble Tea Franchising Eco-Friendly Practices: With growing awareness about environmental issues, many bubble tea franchises are adopting sustainable practices. This includes using biodegradable cups and straws, sourcing ingredients locally to reduce carbon footprint, and implementing waste reduction strategies. Health-Conscious Options: Certain franchises are now providing healthier variations of bubble tea by incorporating organic ingredients, reducing sugar content, and offering dairy alternatives. This strategy addresses the growing demand for more nutritious beverage choices and can serve as a distinctive selling point for a bubble tea franchise. Community Engagement: Many bubble tea franchises actively engage in community events and local causes. This not only boosts the brand’s image but also fosters a loyal customer base who value corporate social responsibility. The Future of Bubble Tea Franchising The bubble tea market continues to grow, and its dynamic nature offers exciting opportunities for entrepreneurs. The increasing focus on sustainability and health-conscious options is not merely a trend; it is becoming essential to the food and beverage industry. As you consider a bubble tea franchise, these factors are as crucial as the financial and operational aspects. Embracing these trends can set your bubble tea business apart and position it for long-term success in a competitive market. How much does it cost to start a boba tea franchise? Each boba tea franchise has its own costs, which also vary by location. However, most brands estimate the initial investment to fall between $200,000 and $500,000. You probably won’t find many bubble tea shops when searching for franchises under 10k or even franchises under 20k. A few franchises offering a kiosk or mobile model may fall near the range of franchises under 50k. Is a bubble tea franchise profitable? As is the case with nearly any industry, some bubble tea franchises are profitable, while others are not. However, this business model certainly can bring in significant income. Many franchise owners report profit margins of 20 to 30 percent. Check the list above for some of the most profitable franchises in the bubble tea industry. Image: Envato Elements This article, "Bubble Tea Franchises: A Profitable Business Opportunity" was first published on Small Business Trends View the full article

We're in the final days of Microsoft's free software updates for Windows 10, and a lot of people with perfectly good computers still cannot upgrade to Windows 11. When Microsoft released the latest version of Windows, it put some stringent minimum system requirements in place, the toughest of which was TPM 2.0. This small "Trusted Platform Module" chip (whether virtual or physical) aids with encryption and other security related tasks, but plenty of people have PCs with older TPMs or good gaming machines that lack TPM entirely. Officially, Windows 11 is out of their reach. However, if that sounds like you, there's an easy way to bypass TPM checks and install Windows 11 on your PC. The risks of installing Windows 11 on an unsupported PCLet me state the obvious right up front: it's not a good idea to upgrade extremely low-end PCs to Windows 11. Microsoft requires a minimum of 4GB RAM and 64GB of free space to install Windows 11, and if your PC doesn't meet those standards, you should avoid this upgrade. This guide is primarily for those who have perfectly capable PCs, but can't upgrade to Windows 11 due to TPM restrictions. Microsoft's main reason behind pushing for TPM 2.0 is to increase security. PCs with a TPM are more resilient against malware and ransomware attacks, and are able to store sensitive data locally in a safer way. While you can bypass this, it's worth noting that Microsoft warns that installing Windows 11 on an unsupported PC may introduce compatibility issues and weaken performance. You also may not receive support from Microsoft, and any damage to your PC won't be covered under warranty. If your PC is under warranty, it's recommended that you don't mess with it. However, if the warranty has expired, you might want to consider upgrading it to Windows 11 anyway. That's because Microsoft has announced that it'll be discontinuing free security updates for these computers starting on Oct. 14, 2025. What happens after the last Windows 10 security updateOnce the last security update is issued, it's strongly recommended that you don't use your PC on the internet. You'll be vulnerable to new types of malware, viruses, and other threats from the internet, and there'll be no real security patches to protect you. You do have the option to pay for updates as part of Microsoft's Extended Security Updates (ESU) program, but that is an expensive proposition. It is priced at $61 per device for the first year, and the price doubles with each subsequent year. If you're a part of an educational institution, the pricing is $1 per device per year, which goes up to $4 per year by the third year. However, if you have a working Windows 10 license, the upgrade to Windows 11 is free and comes with free security updates for many years to come. How to upgrade your unsupported PC to Windows 11Before you proceed with your upgrade, back up your PC. You don't want to lose all your data during the upgrade, and backing it up ensures that your photos, videos, and documents are all safely stored elsewhere. When that's done, you can start the upgrade process. First, download a Windows 11 ISO from Microsoft's website. On that page, scroll down to Download Windows 11 Disk Image (ISO) for x64 devices, select the edition you want (usually the most recent one) from the drop-down menu, and click Download Now. Follow the directions and click 64-bit Download once it appears. The ISO file is over 6GB and it'll take a short while to download. While that's underway, download the latest version of Rufus, which is a free tool that lets you create bootable USB drives. I'll mention other methods for upgrading later on, but this is my favorite, and arguably the simplest, way to do it. Don't use older versions of Rufus, as Microsoft periodically blocks ways to bypass TPM checks, and the latest version usually has a workaround. You're also going to need a USB drive with at least 8GB of free space. Take a moment to back up any important data on this drive, because it'll be erased as we proceed. Credit: Pranay Parab/Rufus Once your Windows 11 ISO is downloaded, plug in the USB drive and install and launch Rufus. With this app open, go to the Device drop-down menu and select the correct USB drive. Click the big SELECT button next to Disk or ISO image and pick the Windows 11 ISO that you just downloaded. Now, click the START button. You'll see a pop-up asking if you want to customize your Windows installation. Ideally, enable the following options: Remove requirement for 4GB+ RAM, Secure Boot and TPM 2.0 Remove requirement for an online Microsoft account Create a local account with username Disable data collection (Skip privacy questions) The first option is crucial if you want to install Windows 11 on unsupported PCs. The rest are good to have, but not necessary—they let you skip the online account sign-in process that Microsoft keeps trying to push, and they also skip a few annoying setup questions about data collection. With all this selected, click OK and wait for Rufus to do its thing. Credit: Pranay Parab/Rufus Once that's done, double-check that your data is backed up. It's now time to start your upgrade. There are a couple of ways to proceed here. The most straightforward is to open the newly created bootable USB disk and run the Setup.exe file. This should launch the Windows 11 installer, and you can follow the on-screen steps through the end of the process. Alternatively, you can do what I did—boot Windows off the USB drive to install Windows 11. On your Windows 10 PC, go to Settings > Update & Security > Recovery and click Restart now under the Advanced startup section. This will reboot your PC and start the Windows 11 setup process from your USB drive. I used this method to successfully upgrade my PC to Windows 11 and ran into just one hiccup. When the PC restarts for the first time during the upgrade, you should remove all USB drives from the computer (including the one with Windows 11). Otherwise, the installation may get stuck. Other than this, the upgrade went smoothly and I'm now happily running Windows 11. I didn't need to do anything to activate it either. I skipped the step asking me to type the product key and noticed that Windows 11 had activated itself after installation. My Windows 10 Pro key automatically activated Windows 11 Pro after the upgrade. Alternative method 1: use a registry key modificationIf Rufus isn't working for you, there's a few alternative methods you can use to upgrade an unsupported PC to Windows 11. Up until recently, Microsoft used to tell users about a registry key modification that can bypass TPM checks and install Windows 11 on an 'unsupported' PC. That method has since been removed from Microsoft's support pages, but you can still use it by following these steps. Open Registry Editor on your Windows 10 PC. Navigate to HKEY_LOCAL_MACHINE\SYSTEM\Setup\MoSetup. Create a new registry key here with these values: Name: AllowUpgradesWithUnsupportedTPMOrCPU Type: REG_DWORD Value: 1 Visit Microsoft's Windows 11 download page and go to the Create Windows 11 Installation Media section. Click Download Now. This will save the Media Creation Tool file to your computer. Run the Media Creation Tool, follow the on-screen prompts, and it'll create a bootable Windows 11 USB drive for you. Open the USB drive and run Setup.exe. Follow the prompts and your Windows 11 upgrade should proceed while bypassing TPM checks. Microsoft may choose to block this method at some point in the future, but until that happens, you can still use it to get the job done. Alternative method 2: create an automated Windows 11 installerYou can also create an unattended Windows 11 installer to complete the upgrade to the OS, even if your PC has been labelled 'unsupported.' An unattended installer is basically a way to automate the install process. It lets you configure many aspects of Windows 11, allowing you to remove bloatware, change taskbar settings, etc. Follow these steps: Go to the Unattend Generator website. Select Install Windows 11 Using These Language Settings and choose your preferred language, keyboard layouts, and home location (country you live in). Below that, choose the correct processor architecture for your computer. You can choose one of Intel/AMD 32-bit, Intel/AMD 64-bit, or Windows on Arm64. If you're unsure what your architecture is, check it on your Windows 10 PC by navigating to Settings > System > About. The next section is called Setup Settings, and this is the most important one for our purposes. Choose the option that let you bypass TPM checks. Go through the remaining setup options. This includes deciding whether you want to partition the drive automatically or manually, whether you want to remove bloatware from Windows 11, and choosing your key settings. With your choices selected, scroll to the bottom and select Download .xml file. This will download a file called autounattend.xml to your computer. Create a bootable Windows 11 USB drive by visiting Microsoft's Windows 11 download page and navigating to the Create Windows 11 Installation Media section. Click Download Now. Then, run the Media Creation Tool and follow the on-screen prompts. Paste the autounattend.xml file from earlier into this drive and boot from the USB drive to complete setup. This should take care of upgrading your 'unsupported' PC to Windows 11, and also apply all of your preferred settings to the computer. View the full article

This post was written by Alison Green and published on Ask a Manager. A reader writes: This letter involves a very sensitive topic and some backstory, so bear with me. Would you consider it weird if a coworker brought along an unrelated college-aged girl to a work party where you could invite family? I ask because I was​ that college girl. When I was 19, I was a sexually frustrated lesbian with then-undiagnosed autism. Despite being at an LGBT-friendly university, I had no sex life and didn’t know how to approach women without coming across as some sort of creep. Every LGBT-related extracurricular I was in was centered on networking, political activism, or community, so I never felt comfortable broaching any romantic or sexual topics with fellow queer women, and I was also scared of accidentally hitting on straight women. HER and Lex didn’t exist then, and I was too scared to attach my face to an app like Tinder. So I would make anonymous posts on YikYak and Whisper asking if there were any other lesbians in the area. I met a couple in their thirties who wanted a third, and I said yes because it was my only opportunity for gay sex even if a guy was there. (To be clear, the encounter itself was entirely consensual and, to quote Anatoly Dyatlov, “not great, not terrible.”) However, before the actual encounter, the couple had invited me to their office party (they both worked there). The couple said that it was normal since “family and friends” were invited, and they had introduced me as their “cousin” to their coworkers. Of course, I didn’t tell people the real reason I was there, but I was honest about my university, my degree, etc. I was friendly with anyone who talked to me and didn’t think anything of it. I’m now 28. I have established myself into my budding white-collar career. I recently remembered my previous escapade — upon which, it jarringly dawned onto me that all of the couple’s coworkers likely clocked me as their unicorn with me none the wiser. After attending quite a few office parties of my own where family was invited, it clicked in my mind how weird and noticeable it might be if a coworker brought an unrelated college student under the nebulous label of “cousin.” Who brings their cousin to an office party, anyway? Thankfully, materially speaking, it doesn’t matter now. I work in a different industry than the couple. I moved to a different state after graduation. I currently live and work 1,800 miles from where we lived. We weren’t in regular contact after the encounter. I don’t remember their names and, heck, they likely don’t remember me at all! This satisfies my rational mind, but emotionally, I cannot shake off the likelihood that all of the couple’s coworkers knew the real reason I was there. With this in mind, I have no idea why the couple would’ve invited me along, because wouldn’t this have also reflected poorly on them from a professional standpoint? It makes me feel weirdly vulnerable, gross, and exposed almost 10 years after the fact. I simultaneously feel stupid for ever agreeing to it but also frustrated because nobody taught me how to navigate the college social environment without accidentally acting gross or hiding my emotions entirely. Are my fears unfounded? Yes. The real question is: what married couple invites their hook-up to an office party ahead of a single casual sexual encounter? That’s not a thing people do, largely because office parties are not exactly hotbeds of sexual arousal. To the contrary, going to someone else’s office party is normally the opposite of exciting foreplay; they tend to be incredibly dull for anyone who doesn’t work there (and often for those who do). It is very, very odd that they thought they should bring you! But it’s odd on their side, not on yours. You just rolled with it; good for you. You were also not yet of an age where you knew anything about office parties and what would or wouldn’t be appropriate. But they were! In any case, I am absolutely sure that their coworkers at the party didn’t suspect you were their unicorn! Bringing a cousin (who might have been staying with them) makes a ton more sense. It is highly, highly unlikely that any of their coworkers went home thinking, “I bet that wasn’t really a cousin and was actually a hook-up!” Because again, office parties ≠ hot romance. It’s just not where the mind would go. I am sorry you are feeling vulnerable and exposed looking back on this! I hope it helps to hear that almost certainly none of their coworkers thought you were anything other than a bored cousin who had been dragged to someone else’s work function. View the full article