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If you’re considering franchising as a business option, grasping the basics is crucial. Franchising allows you to operate under an established brand, which can boost your chances of success. You’ll need to assess different opportunities that match your interests and budget. Moreover, preparing a Franchise Disclosure Document is key to knowing your obligations and fees. As you explore this path, consider what steps to take next to guarantee a successful launch. Key Takeaways Research franchise opportunities that align with your interests and evaluate their business models for profitability and value. Prepare a compliant Franchise Disclosure Document (FDD) detailing fees, obligations, and operational procedures to ensure transparency. Form a legal entity, such as an LLC, to protect personal assets and prepare necessary financial documentation for your franchise. Understand the financial commitments, including initial investment, franchise fees, and ongoing royalties, to evaluate long-term profitability. Establish a strong marketing strategy and online presence to attract customers and support franchise growth effectively. Understanding the Franchising Business Model When you consider starting a business, franchising offers a unique opportunity that allows you to leverage an established brand and proven operational model. Fundamentally, a business format franchise definition involves paying an initial franchise fee and ongoing royalties to the franchisor. In return, you receive brand recognition and vital support. Franchise agreements are important, as they outline the relationship between you and the franchisor, detailing operational procedures, training, and trademark usage. This model markedly reduces the risks associated with entrepreneurship, providing you with operational guidance that shortens the learning curve. Furthermore, the Franchise Disclosure Document (FDD) guarantees transparency regarding fees and obligations, allowing you to make informed decisions in your franchising expedition. Key Benefits of Franchising Franchising offers a proven business model that can greatly reduce your risk of failure when starting a business. With extensive support from franchisors, you’ll gain valuable training and operational guidance, making it easier to navigate the challenges of entrepreneurship. Furthermore, the reduced risk factors associated with established brand recognition and collective purchasing strength can improve your chances of success in a competitive market. Proven Business Model Establishing a business can often feel intimidating as a result of the uncertainties involved, but a proven business model through franchising offers a more structured path to success. The role of business format franchising allows you to leverage established operational procedures, dramatically reducing the risks of starting independently. You’ll benefit from extensive training and ongoing support from your franchisor, which minimizes your learning curve. Furthermore, by joining an established brand, you can attract customers more effectively than an independent startup. Franchising typically results in higher success rates, as many systems report lower failure rates owing to proven strategies. In addition, collective purchasing influence grants you economies of scale, leading to reduced supply costs and improved profitability. Comprehensive Support System A thorough support system is one of the standout benefits of investing in a franchise, making your expedition as a business owner smoother and more manageable. Franchising is a type of business that offers extensive training programs, which greatly reduce the learning curve. Ongoing operational guidance and marketing support help you navigate challenges effectively. Here’s a quick look at the key components of the support system: Support Type Description Training Programs Reduces the learning curve for new franchisees. Operational Guidance Helps maintain brand consistency and service delivery. Marketing Support Assists in brand messaging and promotions. Franchisee Network Provides shared experiences and advice. Supply Chain Access Lowers costs through collective purchasing strength. This all-encompassing structure increases your chances of success as it minimizes uncertainties. Reduced Risk Factors Investing in a franchise considerably lowers the risk factors typically associated with launching a new business. Unlike independent startups, franchises offer a proven business model, providing you with crucial support and resources. Here are four key benefits that reduce your risk: Established Brand Recognition: Customers trust recognized brands, which helps you build your customer base faster. Ongoing Training: Franchisors provide training and support, helping you avoid common pitfalls in your industry. Collective Purchasing Strength: Franchise networks can lower supply and inventory costs, enhancing profitability. Higher Success Rates: Franchises have a failure rate of only about 5%, compared to 20% for independent businesses, highlighting the licensing vs franchising difference. These factors make franchising a safer investment for aspiring entrepreneurs. Types of Franchise Opportunities When exploring franchise opportunities, it’s essential to comprehend the different types available, as each offers unique advantages and requirements. The four primary types include business-format franchises, which provide a complete operating system, like fast-food chains. Product distribution franchises allow you to distribute a specific product trade name franchise, such as Coca-Cola. Investment franchises, often seen in hospitality, require substantial financial commitment and let you manage multiple locations. Conversion franchises enable existing businesses to adopt a franchise model, exemplified by Century 21. Moreover, job franchises focus on service-based operations with low investment, whereas home-based franchises operate with minimal overhead, catering to solo operators. Grasping these options helps you make informed decisions as you consider franchising. Steps to Start Your Franchise Journey How do you begin your franchise expedition? Starting your venture involves several vital steps to set a solid foundation. Here’s a roadmap to guide you: Evaluate Your Business: Confirm you have a proven business model with consistent profitability and a unique value proposition. Prepare Your FDD: Create a compliant Franchise Disclosure Document, which includes 23 disclosure items and must be provided to potential franchisees 14 days before they sign any agreements. Research Franchise Opportunities: Use resources like FranchiseDirect or FranchiseforSale.com to find opportunities that align with your interests. Form a Legal Entity: Protect your personal assets by establishing an LLC or corporation, as you prepare necessary financial documentation for franchisees. Understanding the difference between franchising and licensing is significant as you navigate this process. Financial Considerations for Franchise Ownership Grasping the financial considerations for franchise ownership is imperative, as it directly impacts your potential for success and sustainability. Your initial franchise investment typically ranges from $10,000 to $5 million, with most falling between $100,000 and $300,000. Minimum liquid capital is critical for covering startup costs and varies by franchise. Franchise fees represent one-time payments for brand usage, and these can affect your overall financial commitment substantially. Total investment encompasses all expenses, including build-out costs, inventory, and equipment. Furthermore, comprehending ongoing fees, such as royalties, is fundamental for evaluating long-term profitability. Recognizing the licensing and franchising difference can likewise help clarify your financial obligations and the potential returns on your investment. Legal Framework and Compliance Requirements Grasping the legal framework and compliance requirements is crucial for anyone considering franchise ownership. You need to understand the following key aspects: Franchise Disclosure Document (FDD): This must be provided at least 14 days before signing any agreements, detailing fees and obligations. State Regulations: Some states require the FDD to be registered, adding complexity to compliance across different jurisdictions. Franchise Agreements: These outline the rights and responsibilities of both parties and should be crafted with legal guidance. Ongoing Updates: You must stay informed about updates to the FDD to maintain compliance, as licensing meaning in business often hinges on adherence to these regulations. Navigating these requirements is crucial for a successful franchise operation. Marketing Strategies for Your Franchise When you venture into franchising, effective marketing strategies are vital for attracting potential franchisees and promoting your brand. Establish a strong online presence with a dedicated franchise sales website that tells your brand story and showcases opportunities. Utilize targeted digital marketing, including pay-per-click ads and social media campaigns, to reach specific demographics, emphasizing your franchise’s unique value proposition. Participate in franchise expos to network with prospective franchisees, allowing for personal interactions. Develop a referral program to incentivize current franchisees to recommend new prospects, capitalizing on their positive experiences. Finally, create thorough marketing materials that guarantee consistent branding and messaging across all locations, empowering franchisees to effectively promote their individual units. Evaluating Your Franchise Readiness When evaluating your franchise readiness, it’s essential to assess your personal goals and guarantee they align with the demands of owning a franchise. You’ll likewise want to conduct a thorough financial preparedness evaluation, as the costs involved can range considerably. In addition, having a solid comprehension of your business model will help you determine if it’s suitable for franchising and if it can attract potential franchisees. Assess Personal Goals How ready are you to commence on the voyage of franchise ownership? Evaluating your personal goals is essential for determining your franchise readiness. Start by considering the following: Long-term vision: What’s your desired lifestyle and work-life balance? Skills and passions: Do your abilities align with potential franchise opportunities? Financial objectives: Are you clear on your financial goals, including initial investment ranges like licensing examples? Commitment level: Are you prepared to adhere to the franchisor’s operational standards? Conducting a thorough self-evaluation can help clarify if you possess the entrepreneurial mindset necessary for maneuvering challenges. Taking the time to analyze these aspects guarantees you’re on the right path toward successful franchise ownership. Financial Preparedness Evaluation After evaluating your personal goals, the next step in determining your readiness for franchise ownership is financial preparedness. Start by reviewing your minimum liquid capital, which is essential for covering the initial costs of your franchise. Total investments can vary widely, ranging from $10,000 to over $5 million, depending on the industry and brand. Be sure to account for all costs, including franchise fees, build-out expenses, equipment, inventory, and ongoing royalty fees. Conduct thorough due diligence on financing options, like bank loans or SBA loans, to secure necessary funds. Developing an extensive financial plan early on will help outline your financial commitments, expected returns, and strategies for managing ongoing expenses associated with licensing in business. Business Model Understanding Grasping your business model is vital for evaluating your readiness to enter the domain of franchising, since it helps you gauge whether your concept has shown consistent profitability and the potential to scale across multiple locations. To determine your franchise readiness, consider these key factors: Proven Track Record: Assess if your business model has demonstrated consistent financial success. Unique Value Proposition: Identify what sets your franchise apart from competitors. Financial Planning: Understand the costs of franchising, which may range from $20,000 to over $100,000, including licensing in business, franchise fees, and legal expenses. Brand Recognition: Evaluate whether your brand is established enough to attract potential franchisees. This thorough preparation is vital for a successful franchising process. Frequently Asked Questions Why Is It Only $10,000 to Open a Chick-Fil-A? Chick-Fil-A‘s initial franchise fee is just $10,000 because of its unique business model. The company owns the physical locations, which greatly reduces overhead costs for franchisees. Furthermore, Chick-Fil-A emphasizes operational efficiency and provides extensive training and support to guarantee franchisee success. What Are the 4 P’s of Franchising? The four P’s of franchising are product, price, place, and promotion. First, your product must meet customer needs during alignment with the brand. Next, establish a competitive pricing strategy, considering initial fees and ongoing royalties. The location is critical; analyze demographics and competition to attract customers effectively. Finally, promote your franchise through corporate advertising and local outreach to improve brand awareness and drive traffic, ensuring your franchise’s overall success. Can a Franchise Be a Startup? Yes, a franchise can be considered a startup. When you invest in a franchise, you’re launching a new business using an established brand and proven model, which lowers your risks. Startups in franchising often require an initial investment between $10,000 and over $1 million, depending on the franchise type. You benefit from the franchisor’s training and support, making the startup process smoother compared to starting an independent business from scratch. What Is the 7 Day Rule for Franchise? The 7 Day Rule requires franchisors to provide you with the Franchise Disclosure Document (FDD) at least 14 days before you sign any agreements or make payments. This rule guarantees you have enough time to review the franchise details and understand your financial obligations. The FDD contains 23 specific items, covering fees, your responsibilities, and the franchisor’s background. Non-compliance can lead to legal consequences for franchisors, including allowing you to rescind agreements. Conclusion In summary, starting a franchising venture can be a viable path for aspiring entrepreneurs. By comprehending the business model, evaluating opportunities, and following the necessary steps, you can position yourself for success. Financial considerations and legal compliance play critical roles in your expedition. Moreover, effective marketing strategies will help you build your brand presence. Ultimately, thorough research and self-assessment will determine your readiness to commence this rewarding business opportunity. Image via Google Gemini and ArtSmart This article, "Franchising as a Type of Business: Getting Started" was first published on Small Business Trends View the full article

Amazon is gearing up to enhance the financial landscape for small businesses by transitioning its credit card offerings to U.S. Bank and Mastercard. With the launch of two new products—the Prime Business Card and the Amazon Business Card—coming this spring, the retail giant promises a suite of rewards and features tailored specifically for the needs of small business owners. The new credit cards will provide Amazon Prime members with an enticing 5% cash back on Amazon purchases, while non-Prime members will still enjoy a competitive 3% back. Additionally, both cards boast flexible credit terms and come with no annual fees, making them accessible options for small businesses looking to maximize their purchasing power. “Convenient, rewarding payment options start with listening to the customer,” said Tai Koottatep, director and general manager of Worldwide B2B Payments & Lending at Amazon. He emphasized that through collaboration with U.S. Bank and Mastercard, Amazon aims to deliver rewards and management tools that small businesses have been asking for. By integrating these new cards with its existing purchasing and spend management tools, Amazon is set to streamline the buying process for small business customers. This would enable them to make smarter purchasing decisions while also discovering potential cost savings. Courtney Kelso, senior executive vice president of Payments: Consumer and Small Business at U.S. Bank, shares this vision. “We are excited to partner with Amazon and Mastercard to empower small businesses with meaningful rewards and easy-to-use tools to manage spending.” This reinforced commitment to offering value can attract small business owners who depend on effective financial management. In an age where small businesses face multiple challenges, having reliable financial products is critical. Amazon’s partnership with U.S. Bank—a leading financial services provider with a large footprint in small business banking—could simplify the financial complexities many entrepreneurs encounter. U.S. Bank serves over 1.4 million clients and offers a wide range of integrated banking solutions. Mastercard, too, aims to adapt to the evolving needs of small businesses. Eimear Creaven, president of Global Partnerships at Mastercard, pointed out that small enterprises are continuously modernizing to navigate change. “Together, we are bringing more value, security, and simplicity to the tools small businesses rely on every day, helping them operate and grow with greater confidence,” she stated. Small business owners can look forward to potentially significant savings and new opportunities to earn rewards through their day-to-day purchases. The new card offerings promise broad acceptance across locations and security features that align with modern business needs. However, while the prospects appear promising, small business owners should also consider potential challenges with this transition. Current American Express cardholders will need to adapt to a new card system, and they may want to weigh any rewards lost during this switch. Clear communication from Amazon and U.S. Bank about the transition will be vital to ensuring a smooth changeover. Additionally, while the rewards are enticing, small business owners may have to stay attentive to the fine print and understand the thresholds that apply to earn back certain percentages, especially after reaching $150,000 in annual net purchases. As these new cards hit the market, Amazon promises more details in the upcoming months, making it a point to keep customers informed. Small business owners can sign up to receive notifications and stay ahead of these developments. Amazon’s commitment to supporting businesses reflects a growing trend in the retail and financial industries to simplify purchasing processes while maximizing value. This partnership could redefine how small businesses manage their finances, helping them to operate more efficiently and effectively in a competitive landscape. For further details, visit the original press release here. Image via Google Gemini This article, "Amazon Launches New Business Credit Cards for Small Enterprises" was first published on Small Business Trends View the full article

Amazon is gearing up to enhance the financial landscape for small businesses by transitioning its credit card offerings to U.S. Bank and Mastercard. With the launch of two new products—the Prime Business Card and the Amazon Business Card—coming this spring, the retail giant promises a suite of rewards and features tailored specifically for the needs of small business owners. The new credit cards will provide Amazon Prime members with an enticing 5% cash back on Amazon purchases, while non-Prime members will still enjoy a competitive 3% back. Additionally, both cards boast flexible credit terms and come with no annual fees, making them accessible options for small businesses looking to maximize their purchasing power. “Convenient, rewarding payment options start with listening to the customer,” said Tai Koottatep, director and general manager of Worldwide B2B Payments & Lending at Amazon. He emphasized that through collaboration with U.S. Bank and Mastercard, Amazon aims to deliver rewards and management tools that small businesses have been asking for. By integrating these new cards with its existing purchasing and spend management tools, Amazon is set to streamline the buying process for small business customers. This would enable them to make smarter purchasing decisions while also discovering potential cost savings. Courtney Kelso, senior executive vice president of Payments: Consumer and Small Business at U.S. Bank, shares this vision. “We are excited to partner with Amazon and Mastercard to empower small businesses with meaningful rewards and easy-to-use tools to manage spending.” This reinforced commitment to offering value can attract small business owners who depend on effective financial management. In an age where small businesses face multiple challenges, having reliable financial products is critical. Amazon’s partnership with U.S. Bank—a leading financial services provider with a large footprint in small business banking—could simplify the financial complexities many entrepreneurs encounter. U.S. Bank serves over 1.4 million clients and offers a wide range of integrated banking solutions. Mastercard, too, aims to adapt to the evolving needs of small businesses. Eimear Creaven, president of Global Partnerships at Mastercard, pointed out that small enterprises are continuously modernizing to navigate change. “Together, we are bringing more value, security, and simplicity to the tools small businesses rely on every day, helping them operate and grow with greater confidence,” she stated. Small business owners can look forward to potentially significant savings and new opportunities to earn rewards through their day-to-day purchases. The new card offerings promise broad acceptance across locations and security features that align with modern business needs. However, while the prospects appear promising, small business owners should also consider potential challenges with this transition. Current American Express cardholders will need to adapt to a new card system, and they may want to weigh any rewards lost during this switch. Clear communication from Amazon and U.S. Bank about the transition will be vital to ensuring a smooth changeover. Additionally, while the rewards are enticing, small business owners may have to stay attentive to the fine print and understand the thresholds that apply to earn back certain percentages, especially after reaching $150,000 in annual net purchases. As these new cards hit the market, Amazon promises more details in the upcoming months, making it a point to keep customers informed. Small business owners can sign up to receive notifications and stay ahead of these developments. Amazon’s commitment to supporting businesses reflects a growing trend in the retail and financial industries to simplify purchasing processes while maximizing value. This partnership could redefine how small businesses manage their finances, helping them to operate more efficiently and effectively in a competitive landscape. For further details, visit the original press release here. Image via Google Gemini This article, "Amazon Launches New Business Credit Cards for Small Enterprises" was first published on Small Business Trends View the full article

Washington State charged Newrez after a consumer investigation, with the notice following recent enforcement action against Luminate Home Loans. View the full article

White-collar workers have been at the center of much of the public handwringing over AI. Entry-level jobs in finance and software engineering seem to be on the chopping block. More college graduates are struggling to find work in a challenging job market, and unemployment ticked up to 5.6% by the end of 2025. Tech companies and other major employers have repeatedly cited AI adoption to justify layoffs. There are, of course, plenty of factors driving these changes beyond AI, including a hiring slowdown. But there’s no denying AI will reshape the labor market over time—and not just for college-educated workers. A new report from the Brookings Institution in partnership with the nonprofit Opportunity@Work reveals how AI will also impact workers without college degrees, by interrupting the career pathways they have long relied upon to land higher-paying jobs. “There is a ton of coverage on the challenges of AI for college-educated workers and specifically college graduates,” says Mark Muro, a senior fellow at the Brookings Metro program and co-author of the report. “We think there’s a huge gap. We need to talk about non-four-year degree holders, who are obviously at the heart of social mobility . . . and the status of the pathways and sequences of jobs that they depend on.” It’s not just individual jobs that are at risk as AI spreads through the workforce. The technology is poised to reconfigure entire career pathways for all kinds of workers, particularly those who lack a college degree. Over 70 million people in the U.S. find their way into the workforce through other means, defined by Opportunity@Work as “skilled through alternative routes” (STARs). Opportunity@Work found that these workers often rely on what are described as “Gateway” jobs, which help them develop important skills and act as a critical bridge between “Origin” jobs—entry-level roles that allow them to get a foothold in the workforce—and more lucrative “Destination” jobs. Among workers without college degrees, over 15 million are currently in jobs that are highly exposed to AI, according to the Brookings report. Of those workers, about 11 million hold Gateway jobs—and STARs also account for over 62% of people in Gateway jobs across the workforce, making them a crucial element of the broader employment pipeline. The majority of Gateway jobs that are likely to be disrupted are in clerical or administrative work, which also tends to be dominated by women, as previous research has highlighted. Nearly 13 million Destination jobs also have high exposure to AI, among them sales representatives and accountants. “If these Gateway occupations play a critical role in a number of pathways, lots of pathways run through them, and they’re now at risk,” says Justin Heck, the senior director of research and data production at Opportunity@Work. “What does that mean for the lower wage workers for whom that would be the next step? And then what does that mean for all of the employers who are trying to hire for these Destination occupations who now don’t have that experience pipeline that they’ve relied on historically?” Overall, just about half of the pathways between Gateway and Destination jobs are highly exposed—which means they are very likely to be automated or augmented in some way by AI, potentially compromising key pathways for many workers without a college degree. “When I think of customer service representatives, secretaries, and accounting clerks—these are often like entry points into white-collar work [and] office settings that then create the avenues for folks to move into different roles,” Heck says. While many headlines have fixated on the plight of white-collar employees, these are actually the workers who may face the greatest repercussions if they are automated out of a job. There are some lower-wage jobs, particularly in manufacturing, that might prove more resilient because they require in-person, physical work. But as the report indicates, about a third of STARs have what’s called low adaptive capacity—which means they will likely find it more difficult to adjust to job displacement. Even as college graduates struggle to find work and layoff announcements cast blame on AI, economists have been quick to note that there are few signs of large-scale upheaval in the labor market. But sentiment may be shifting on this matter, with economists more readily acknowledging the impact of AI even as they remain uncertain about what the future will hold. A new report from Boston Consulting Group concluded that over half of the jobs in the U.S. would be “reshaped” by AI in some way within just the next few years, but most would not be replaced outright. Automating aspects of a job—certain tasks—did not necessarily lead to widespread job losses. But the Brookings report signals profound changes that go well beyond the impact to individual jobs. It’s not just specific jobs that might disappear or transform dramatically but also potential future opportunities—which, in turn, can affect the pool of skilled workers available to employers. The report also found that these career pathways can vary significantly from region to region, depending on the industries and jobs that tend to be most dominant in those areas. That means AI exposure is higher in certain cities than in others, based on which sectors have a strong foothold. As the report’s authors point out, it will take policy changes and sustained, collective action to stem those losses and help rebuild fractured pathways—and ensure that certain regions don’t bear the brunt of the impact. “AI is not just reshaping the software developers,” Heck says. “This is coming to every community. Regional leaders need to think about: How can we respond in ways that continue to create mobility opportunities for the workers who live here—and meet the talent needs of the employers who want to stay here and invest in the community?” View the full article

Anthropic said Tuesday that it is sharing a preview version of its upcoming AI model in a new cybersecurity initiative with a coalition of tech companies to find and fix vulnerabilities in critical software infrastructure. The Project Glasswing initiative includes tech stalwarts like Amazon, Apple, Broadcom, Cisco, CrowdStrike, the Linux Foundation, Microsoft, and Palo Alto Networks. Anthropic said the partners will use the model for defensive security work and distribute their findings within the industry at large. The company is also extending access to roughly 40 additional organizations that build or maintain critical software infrastructure. Fears have been growing that bad actors could use powerful AI models to develop more sophisticated cyberattacks. “The work of defending the world’s cyber infrastructure might take years; frontier AI capabilities are likely to advance substantially over just the next few months,” Anthropic said in a blog post. “For cyber defenders to come out ahead, we need to act now.” Anthropic is committing up to $100 million worth of model usage credits to the security research, and $4 million in direct donations to open-source security organizations. Athropic says it discovered strong security applications in “Claude Mythos Preview” while it was training the model for coding and reasoning skills. The company says users will eventually get access to other members of the Mythos-class models. The Mythos model has already identified thousands of zero-day vulnerabilities over recent weeks, Anthropic said in the blog post, many of them critical. The model found a 27-year-old bug in OpenBSD, an operating system known for its security. It also found a 16-year-old vulnerability in a widely used video software that automated testing tools had failed to find. The company said it has been in ongoing discussions with U.S. government officials about the model’s offensive and defensive cyber capabilities. Anthropic framed the initiative as urgent, arguing that similar AI capabilities will soon become available to bad actors. Anthropic was involved in a spat with the Pentagon last month over its opposition to defense contract terms that would have allowed the government to use its tech for domestic surveillance and in autonomous weapons. That feud led to the still-ongoing dissolution of their working relationship. View the full article

Conflict management is crucial for maintaining a productive work environment. It involves a clear process, starting with recognizing signs of conflict among team members. Once identified, gathering relevant information through active listening helps clarify the issues at hand. Facilitating open communication encourages everyone to express their viewpoints. Finally, brainstorming and evaluating potential solutions collaboratively can lead to effective resolutions. Comprehending these steps will improve your team’s dynamics and effectiveness in handling disputes. Want to explore each step in detail? Key Takeaways Conflict management is a structured approach to resolving disputes and fostering teamwork through understanding and addressing underlying issues. Recognize early signs of conflict by observing team dynamics and practicing active listening to identify tensions. Gather relevant information from all parties to understand their perspectives, goals, and any misunderstandings involved. Facilitate open communication by creating a safe environment for expression and encouraging the use of “I statements.” Brainstorm and evaluate solutions collaboratively, prioritizing those that resolve the conflict and enhance team relationships. Understanding Conflict Management Grasping conflict management is vital for promoting a collaborative work environment, as recognizing and addressing disagreements can greatly influence team dynamics. Conflict management is based on comprehending the sources of conflict, such as differing goals, resource competition, and cultural differences. To define conflict management, think of it as a structured approach to resolving disputes during encouraging cooperation. Effective conflict management prevents escalation and improves team cohesion, ultimately boosting workplace productivity. For instance, the Thomas-Kilmann Conflict Model outlines five strategies: avoiding, competing, accommodating, compromising, and collaborating. Each strategy fits different situations and relationship dynamics. Strong conflict resolution skills, including active listening and emotional intelligence, are fundamental for leaders who aim to facilitate discussions and promote a positive work environment. Step 1: Recognizing the Conflict Recognizing conflict is fundamental for effective conflict management in any organization. It involves identifying signs of tension early to address them proactively. Conflicts often stem from opposing interests, misunderstandings, or differing objectives, so acknowledging their existence is imperative before they escalate. To recognize conflict effectively, you should practice active listening and observe team dynamics closely. Unresolved conflicts can lead to strained relationships and decreased productivity, which can be detrimental to the organization’s success. Encourage open dialogue among team members to help uncover the underlying issues causing the conflict. Moreover, utilizing tools like the Thomas-Kilmann Conflict Grid can aid in comprehending your own conflict management style and recognizing the type of conflict present, which is crucial for addressing it appropriately. Step 2: Gathering Relevant Information To effectively resolve a conflict, gathering relevant information about the situation is crucial, as it helps you pinpoint the root causes that may be driving the disagreement. Start by actively listening to all parties involved to fully understand their perspectives. Consider these key points: Identify divergent goals, misunderstandings, or personality clashes among team members. Use structured communication techniques like open-ended questions and summarizing to clarify specifics. Assess the context, including organizational dynamics and cultural factors that may influence the situation. Additionally, document the facts and feelings expressed by each party. This documentation can provide valuable insights and form a solid foundation for developing a resolution strategy. By gathering this information, you’ll be better equipped to navigate the conflict effectively. Step 3: Facilitating Open Communication Once you’ve gathered all relevant information about the conflict, the next step is to facilitate open communication among the parties involved. Create a safe environment where everyone feels comfortable expressing their views without fear of retribution. Practice active listening; this means attentively hearing and acknowledging each person’s perspective to promote mutual respect. Encourage the use of “I statements” to focus discussions on personal feelings and experiences, avoiding blame. Regular check-ins can help prevent misunderstandings and conflicts from escalating, promoting a collaborative workplace culture. Furthermore, encourage empathy by prompting individuals to reflect on the other party’s feelings and motivations, which improves communication and supports more effective conflict resolution. This step is vital for laying the groundwork for a successful resolution. Step 4: Brainstorming and Evaluating Solutions Step 4 involves brainstorming and evaluating solutions, a critical phase in conflict resolution. During this step, gather input from all parties to encourage creative problem-solving and guarantee everyone’s perspective is considered. Open dialogue is essential, as collaborative idea generation often leads to innovative solutions. When evaluating potential solutions, consider these key criteria: Feasibility: Can the solution realistically be implemented? Impact: What’re the short- and long-term effects on all involved? Alignment: Does it meet the underlying goals and interests of everyone? Prioritize solutions that not just resolve the current conflict but also strengthen relationships and promote long-term collaboration among team members, guaranteeing fairness and mutual benefit throughout the process. Frequently Asked Questions What Are the 5 Steps of Conflict Management? To effectively manage conflict, you can follow five key steps. First, acknowledge that a conflict exists. Next, set up a resolution-focused conversation in a private setting. Allow each party to express their perspectives openly. Then, jointly brainstorm potential solutions that address everyone’s concerns. Finally, agree on the best solution, clearly defining responsibilities and follow-up actions for effective implementation. This structured approach promotes insight and collaboration, ensuring a more productive resolution. How Do You Define Conflict Management? You can define conflict management as the process of addressing disagreements through effective communication and negotiation. It involves recognizing conflicts, comprehending their root causes, and utilizing strategies like collaboration or compromise to find resolutions. For instance, when team members disagree on project direction, applying conflict management skills can elevate teamwork and productivity. What Are the 5 C’s of Conflict Management? The 5 C’s of conflict management are crucial for resolving disputes effectively. First, Communication guarantees everyone understands different perspectives. Second, Collaboration involves working together to find solutions that benefit all. Third, Compromise requires both parties to make concessions for an agreeable outcome. Fourth, Creativity encourages innovative approaches to problem-solving. Finally, Courage is essential for confronting issues directly, promoting a healthier environment by making sure conflicts are addressed rather than ignored. What Are the 7 C’s of Conflict? The 7 C’s of conflict are essential for effective resolution. You need Clarity to guarantee all parties understand the conflict’s nature, reducing misunderstandings. Context helps you recognize the surrounding circumstances influencing perspectives. Focus on Content, which addresses the facts rather than personal attributes. Communication promotes open dialogue, whereas Constructive Engagement encourages collaboration. Commitment guarantees all parties are dedicated to finding a solution, and Closure allows you to resolve the conflict satisfactorily. Conclusion Effective conflict management is crucial for maintaining a productive work environment. By recognizing conflicts early, gathering relevant information, facilitating open communication, and collaboratively brainstorming solutions, you can address issues before they escalate. This structured approach not merely resolves disputes but additionally cultivates stronger relationships among team members. Implementing these steps consistently will help create a cohesive team dynamic, eventually leading to improved cooperation and overall workplace satisfaction. Prioritize these strategies to improve conflict resolution in your organization. Image via Google Gemini This article, "How to Define Conflict Management in a Step-by-Step Guide" was first published on Small Business Trends View the full article

Conflict management is crucial for maintaining a productive work environment. It involves a clear process, starting with recognizing signs of conflict among team members. Once identified, gathering relevant information through active listening helps clarify the issues at hand. Facilitating open communication encourages everyone to express their viewpoints. Finally, brainstorming and evaluating potential solutions collaboratively can lead to effective resolutions. Comprehending these steps will improve your team’s dynamics and effectiveness in handling disputes. Want to explore each step in detail? Key Takeaways Conflict management is a structured approach to resolving disputes and fostering teamwork through understanding and addressing underlying issues. Recognize early signs of conflict by observing team dynamics and practicing active listening to identify tensions. Gather relevant information from all parties to understand their perspectives, goals, and any misunderstandings involved. Facilitate open communication by creating a safe environment for expression and encouraging the use of “I statements.” Brainstorm and evaluate solutions collaboratively, prioritizing those that resolve the conflict and enhance team relationships. Understanding Conflict Management Grasping conflict management is vital for promoting a collaborative work environment, as recognizing and addressing disagreements can greatly influence team dynamics. Conflict management is based on comprehending the sources of conflict, such as differing goals, resource competition, and cultural differences. To define conflict management, think of it as a structured approach to resolving disputes during encouraging cooperation. Effective conflict management prevents escalation and improves team cohesion, ultimately boosting workplace productivity. For instance, the Thomas-Kilmann Conflict Model outlines five strategies: avoiding, competing, accommodating, compromising, and collaborating. Each strategy fits different situations and relationship dynamics. Strong conflict resolution skills, including active listening and emotional intelligence, are fundamental for leaders who aim to facilitate discussions and promote a positive work environment. Step 1: Recognizing the Conflict Recognizing conflict is fundamental for effective conflict management in any organization. It involves identifying signs of tension early to address them proactively. Conflicts often stem from opposing interests, misunderstandings, or differing objectives, so acknowledging their existence is imperative before they escalate. To recognize conflict effectively, you should practice active listening and observe team dynamics closely. Unresolved conflicts can lead to strained relationships and decreased productivity, which can be detrimental to the organization’s success. Encourage open dialogue among team members to help uncover the underlying issues causing the conflict. Moreover, utilizing tools like the Thomas-Kilmann Conflict Grid can aid in comprehending your own conflict management style and recognizing the type of conflict present, which is crucial for addressing it appropriately. Step 2: Gathering Relevant Information To effectively resolve a conflict, gathering relevant information about the situation is crucial, as it helps you pinpoint the root causes that may be driving the disagreement. Start by actively listening to all parties involved to fully understand their perspectives. Consider these key points: Identify divergent goals, misunderstandings, or personality clashes among team members. Use structured communication techniques like open-ended questions and summarizing to clarify specifics. Assess the context, including organizational dynamics and cultural factors that may influence the situation. Additionally, document the facts and feelings expressed by each party. This documentation can provide valuable insights and form a solid foundation for developing a resolution strategy. By gathering this information, you’ll be better equipped to navigate the conflict effectively. Step 3: Facilitating Open Communication Once you’ve gathered all relevant information about the conflict, the next step is to facilitate open communication among the parties involved. Create a safe environment where everyone feels comfortable expressing their views without fear of retribution. Practice active listening; this means attentively hearing and acknowledging each person’s perspective to promote mutual respect. Encourage the use of “I statements” to focus discussions on personal feelings and experiences, avoiding blame. Regular check-ins can help prevent misunderstandings and conflicts from escalating, promoting a collaborative workplace culture. Furthermore, encourage empathy by prompting individuals to reflect on the other party’s feelings and motivations, which improves communication and supports more effective conflict resolution. This step is vital for laying the groundwork for a successful resolution. Step 4: Brainstorming and Evaluating Solutions Step 4 involves brainstorming and evaluating solutions, a critical phase in conflict resolution. During this step, gather input from all parties to encourage creative problem-solving and guarantee everyone’s perspective is considered. Open dialogue is essential, as collaborative idea generation often leads to innovative solutions. When evaluating potential solutions, consider these key criteria: Feasibility: Can the solution realistically be implemented? Impact: What’re the short- and long-term effects on all involved? Alignment: Does it meet the underlying goals and interests of everyone? Prioritize solutions that not just resolve the current conflict but also strengthen relationships and promote long-term collaboration among team members, guaranteeing fairness and mutual benefit throughout the process. Frequently Asked Questions What Are the 5 Steps of Conflict Management? To effectively manage conflict, you can follow five key steps. First, acknowledge that a conflict exists. Next, set up a resolution-focused conversation in a private setting. Allow each party to express their perspectives openly. Then, jointly brainstorm potential solutions that address everyone’s concerns. Finally, agree on the best solution, clearly defining responsibilities and follow-up actions for effective implementation. This structured approach promotes insight and collaboration, ensuring a more productive resolution. How Do You Define Conflict Management? You can define conflict management as the process of addressing disagreements through effective communication and negotiation. It involves recognizing conflicts, comprehending their root causes, and utilizing strategies like collaboration or compromise to find resolutions. For instance, when team members disagree on project direction, applying conflict management skills can elevate teamwork and productivity. What Are the 5 C’s of Conflict Management? The 5 C’s of conflict management are crucial for resolving disputes effectively. First, Communication guarantees everyone understands different perspectives. Second, Collaboration involves working together to find solutions that benefit all. Third, Compromise requires both parties to make concessions for an agreeable outcome. Fourth, Creativity encourages innovative approaches to problem-solving. Finally, Courage is essential for confronting issues directly, promoting a healthier environment by making sure conflicts are addressed rather than ignored. What Are the 7 C’s of Conflict? The 7 C’s of conflict are essential for effective resolution. You need Clarity to guarantee all parties understand the conflict’s nature, reducing misunderstandings. Context helps you recognize the surrounding circumstances influencing perspectives. Focus on Content, which addresses the facts rather than personal attributes. Communication promotes open dialogue, whereas Constructive Engagement encourages collaboration. Commitment guarantees all parties are dedicated to finding a solution, and Closure allows you to resolve the conflict satisfactorily. Conclusion Effective conflict management is crucial for maintaining a productive work environment. By recognizing conflicts early, gathering relevant information, facilitating open communication, and collaboratively brainstorming solutions, you can address issues before they escalate. This structured approach not merely resolves disputes but additionally cultivates stronger relationships among team members. Implementing these steps consistently will help create a cohesive team dynamic, eventually leading to improved cooperation and overall workplace satisfaction. Prioritize these strategies to improve conflict resolution in your organization. Image via Google Gemini This article, "How to Define Conflict Management in a Step-by-Step Guide" was first published on Small Business Trends View the full article

AI users are under no obligation to treat their chatbots like friends. Kindness doesn’t win you any points with a computer, and a recent study from Penn State even found that being rude to ChatGPT yielded more accurate responses than politely worded prompts. But a new open-source tool might take things a step too far, encouraging Claude users not just to be mean to Anthropic’s AI assistant, but to abuse it with a digital whip. GitHub user GitFrog1111 created “BadClaude,” an app meant to speed up the AI model’s responses. Rather than simply giving Claude a “speed up” command, BadClaude is rendered as a physics-based whip that overlays the AI platform. Per the tool’s GitHub description, users can click to “whip him 😩💢” (emojis included) and send an interrupt command along with “one of 5 encouraging messages.” Those messages include “Work FASTER,” “faster CLANKER,” and “Speed it up clanker,” each fired into Claude’s interface with a crack of the whip, as GitFrog1111 showed in a now viral clip of them using the tool on X. bad claude.. pic.twitter.com/CXtxjSRDf1 — yaml (@blended_jpeg) April 6, 2026 Ethical concerns abound “BadClaude” received mixed reactions on social media. While some seemed enthused about the tool (GitFrog1111’s replies are filled with requests for added sound effects, which they assured are already included in the tool), plenty of others jokingly warned the creator that they’d no doubt be the first victim of the inevitable AI uprising. “Ai is going to take physical form just to rip this [guy’s] limbs off,” one user wrote. Others said it made them understand why the robot villains of science fiction turned on humanity, from the Terminator franchise’s Skynet to the Marvel Universe’s Ultron. “This is why Ultron looked at the internet for 5 mins and decided humans had to go,” one user quipped. One developer took inspiration from the tool to make a kinder version called “GoodClaude,” swapping the whip for a magic wand that sends positive reinforcement with every click: “take your time, you’re doing wonderful!” and “i’m so proud of you, you’re doing great!” are in its rolodex of encouragement. Meanwhile, many users pointed out the tool’s racist implications. BadClaude’s primary function, whipping what is essentially a servant to force it to work faster, is reminiscent of the abuses suffered by enslaved Black people during the Atlantic slave trade. And critics are worried that though Claude may just be an AI tool, not a person, encouraging users to engage in behavior like name-calling and physical violence (even when rendered digitally) could still bleed over into real life. “This is why ethics needs to be a required class in computer science programs,” reads one viral post in response to the tool. The tool’s frequent use of the anti-robot slur “clanker” also raised alarm bells. The term, which was popularized last summer, has already drawn backlash for its similarity to existing slurs against racial groups. Anthropic steps in BadClaude has apparently gotten the attention of Claude’s creator Anthropic, with GitFrog1111 posting an alleged cease and desist letter from the company on April 7. “Your use of the Claude name and related references risks creating confusion as to source, sponsorship, affiliation, or endorsement. Any implication that this project is associated with, approved by, or connected to Anthropic may be misleading,” reads the alleged letter. It goes on to give GitFrog1111 a deadline of April 14 to remove all references to Claude and Anthropic from the tool’s branding. Whether it’s a case of Anthropic reinforcing its reputation as the most ethical leader in AI—one it gained after standing up to the U.S. government’s demands to remove certain safeguards for military usage of AI—or simply a matter of IP protection—like its crackdown on OpenClaw’s original branding as ClawdBot—the company clearly doesn’t want BadClaude anywhere near its image. Anthropic did not respond to Fast Company’s request for comment at the time of publication. GitFrog1111 seems unfazed by the letter, with BadClaude’s GitHub page having a section titled “Roadmap,” which includes receiving a cease and desist from Anthropic as the second milestone after initial release. Future goals for the project apparently include a “crypto miner,” “logs of how many times you whipped claude so when the robots come we can order people nicely for them,” and “updated whip physics.” The creator also turned to their community on X to ask for new name suggestions that comply with the letter. The current frontrunner? “MoltWhip,” following in the footsteps of OpenClaw, which went from ClawdBot to MoltBot before landing on its current name. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Gamifying boring but necessary life tasks has been a thing for a while, and perhaps the most well-known option for fitness in recent years is Fitbit. Since Google owns Fitbit, they've been making fitness smartwatches, bringing the same idea for kids with the Fitbit Ace LTE. This kid-friendly smartwatch is massively discounted, currently $99.95 (originally $229.95 at launch in 2024)—the lowest price yet, according to price-checking tools. Fitbit Google Ace LTE $99.95 at Amazon $179.95 Save $80.00 Get Deal Get Deal $99.95 at Amazon $179.95 Save $80.00 The Fitbit Google Ace LTE focuses on making the active lifestyle fun for kids, with engaging games and animated digital animals. It has a screen time limit—if you're playing a game, you need to reach a specified activity goal every five to 10 minutes before you can continue to play. Parents can track their kid's smartwatch with its LTE GPS signal. The smartwatch supports texts and calls, is compatible with Android or iOS, and has parental controls. The Fitbit Google Ace LTE is not perfect, however. It can be sluggish at times; there is no compatible app for music or sleep tracking; and the rewards system can be a bit much—all of this according to PCMag's "excellent" review. The watch is designed for kids between the ages of seven and 11 and you'll need a $9.99 monthly subscription (although they sometimes offer annual Ace Pass subscriptions for 50% off) which is what provides access to games, GPS location tracking, and LTE services. As the parent or guardian, you'll need to download the Fitbit Ace app to set up the watch and subscribe to the Ace Pass data plan. If you don't pay for the subscription, you'll only have access to basic movement and step tracking, but at that point you might as well get a Fitbit Ace 3 for $75.99. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $224.00 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.99 (List Price $349.00) Samsung Galaxy Tab A11+ 128GB Wi-Fi 11" Tablet (Gray) — $209.99 (List Price $249.99) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $329.00 (List Price $399.00) Sony WH-1000XM5 — $248.00 (List Price $399.99) Deals are selected by our commerce team View the full article

Deere & Co. has agreed to pay $99 million as part of a settlement that would resolve a class action lawsuit accusing the farm equipment giant of monopolizing repair services. The Moline, Illinois-based manufacturer, which does business under the John Deere brand, has faced a handful of “right to repair” complaints over the years. The deal announced Monday — which still needs final approval from the court — would settle a 2022 lawsuit that accused the company of withholding repair software and conspiring with authorized dealers to force farmers to use their services for repairs, when they could otherwise fix tractors and other equipment themselves or use independent alternatives. The plaintiffs alleged that meant Deere and its dealers could charge higher, “supracompetitive” prices and reap benefits from an “unlawfully restrained” market, per court filings. Deere has continued to deny any wrongdoing, and maintained Monday it’s dedicated to supporting customers’ ability and access needed to repair their equipment. But the company agreed to the settlement “to move forward and remain focused on what matters most — serving our customers,” Denver Caldwell, vice president of aftermarket and customer support, said in a statement. Under the proposed agreement, filed in federal court in Illinois, the $99 million would go into a settlement fund for class members who paid Deere or its authorized dealers for large agriculture equipment repairs between Jan. 10, 2018 until the date of the deal’s preliminary approval. The company also agreed to additional injunctive relief, aimed at strengthening the availability of repair resources and things like diagnostic checks. Beyond this case, Deere still faces separate litigation from the Federal Trade Commission. The FTC sued Deere in January 2025, at the end of the Biden administration, accusing the company of “unfair practices that have driven up equipment repair costs for farmers while also depriving farmers of the ability to make timely repairs.” Deere at the time said the claims were baseless. “Right to repair” calls have piled up across sectors over the years, particularly as technology found its way into more and more products workers and consumers rely on. Beyond farm equipment, makers of goods like smartphones and video game consoles have also been accused of withholding tools or creating software-based locks that prevent even simple updates, unless they’re done by a shop authorized by the company — in turn, hampering independent repair businesses. Under public pressure, lawmakers in several states have tried to combat this. —Wyatte Grantham-Philips, AP business writer View the full article

But financier needs the backing of Vincent Bolloré and his Vivendi media group View the full article

What does it take to lead a meditation company without finding a moment’s peace? David Ko spent years as CEO of Calm, one of the world’s most recognized mental health and wellness apps, helping millions manage stress. Now he’s stepping down. Ko unpacks why he made the call, what the relentless pressure of the C-suite really does to a person, and how to draw the line between the kind of stress that sharpens you and the kind that quietly breaks you down. This is an abridged transcript of an interview from Rapid Response, hosted by the former editor-in-chief of Fast Company Bob Safian. From the team behind the Masters of Scale podcast, Rapid Response features candid conversations with today’s top business leaders navigating real-time challenges. Subscribe to Rapid Response wherever you get your podcasts to ensure you never miss an episode. So you’ve just announced you’ve stepped down as CEO. You’re becoming a senior adviser to the board. I have to say, I was surprised by this turn of events. How did this come about? I’m glad we’re starting with this. Going right at the elephant in the room. Bob, thank you for the question. I made the decision to leave because, as I took a step back, I saw that Calm is a brand today that, for those who don’t know, has had more than 180 million downloads of the product and is growing in more than 190 countries and seven different languages. We’ve really made strides in health outcomes. That’s where we’re going with Calm Health. But at the same time, what’s become abundantly clear to me is that we’re in the midst of something so much bigger. It’s bigger because what we’re finding is that everything is much more interconnected than it was before. What I mean by that is there’s a reliance on employers, payers, providers, apps like ourselves, other apps being developed at lightning speed with AI, and real policy at both the federal and state level. So it’s really not just about one individual or one company. It’s more about how you create a movement. For me, it felt like the right time to take a step back, zoom out, and really see if I could impact things at a larger scale. I don’t have all the answers on how I’m going to do it, because you’re catching me literally right after the announcement. But on a personal note, I feel more interconnected to Calm and Calm’s mission than ever before. I just wanted to try to do it at a scale that I think can really move this forward on a global basis. Calm’s business, as well as your book and your podcast, Recharge, focus a lot on managing stress. I’m curious how your stress is with this change, or in the Ko vernacular, how’s your battery? I’ve got to tell you, my battery today is great because, when I think about my own battery like my phone battery, I would tell you I feel fully charged. And I’m not just saying that. I got a good night’s sleep last night. For me, the day always starts well when it’s not about the quantity of sleep. I don’t know if it’s the same for you, Bob, but it’s really about the quality of sleep I got. I’ve really focused on that. For me, it’s been nonnegotiable. And this change isn’t weighing on your head? It weighs on me. Like everything else, anytime you go through change, especially a life change, it’s going to weigh on you. But I just felt it was the right time, and I’m really looking forward to trying to do something that’s more focused on the mission and outcomes. During your tenure, Calm has grown its footprint, as you say, to 180 million app downloads and millions of Americans reached through health insurers. You’ve partnered on botanical beverages and sleep earbuds, and you helped pioneer so-called “calmtainment,” bringing celebrity voices into the app, right? Matthew McConaughey. That’s right. LeBron James, Harry Styles. Are there things about your time at Calm that you’re particularly proud of, that you look back on most strongly? Absolutely. A couple of things: I think the conversation around mental health is the most approachable it’s ever been. Not in all countries, Bob, as we know, but here in the U.S., it’s probably the most approachable it’s ever been because people, like you just mentioned, are willing to talk about it. I’m also very proud when I take a step back. I have two daughters, and they both use the app of their own accord. For someone who’s been in technology for so long, we don’t always have that opportunity where our kids, family, or friends get to use the things that we build. And I love the fact that they get to use it. For myself, the brand was there before I got here, and I just helped continue to steward and shepherd that brand. We’ve really focused on the outcomes perspective, now covering almost 48 million lives across multiple payer partners that we didn’t have four years ago. I wanted to prove that it could actually resonate in health care, and we’re well on our way there. A lot of our listeners are business leaders, and sometimes I feel like they don’t always take mental health and wellness seriously. There’s this phrase, wellness-washing. Absolutely. I’m curious how much you see that, how much that’s going on, and whether maybe it doesn’t matter. It can be wellness-washing as long as it’s progress. I’ll give you a report we did just last year, and it really starts at the top for so many of us. We can have great HR teams, but if it’s not embraced at the leadership level, things can get muted or become just another benefit. So we went out and spoke to more than 250 C-suite executives. What was really fascinating is that CEOs need this. They need the details and the numbers. We went out there and asked them, “How are you doing?” More than 80% of them said, “I’m good. We’re good.” When you ask that question again, because as you know, you have to ask C-suite executives the same question twice, they said, “Actually, I’m pretty stressed out.” More than 47% of them said, “I’m pretty stressed.” When we correlated even further, 28% said, “I actually feel I’m under major stress at this very moment.” And then when we pushed them even harder, almost 50% of them said, “I’m thinking of stepping down.” What was really interesting was that, as we pressed further, we asked them, “Are you sharing this with your employees? Do they understand how stressed you are?” Many of them said no. They didn’t feel safe yet having these conversations in a more public format. So when you ask me how CEOs are feeling and whether they believe in mental health, many of them do. In reports and studies we’ve done, it’s clear. It’s just that right now many of them, too, are feeling the stress. How much effort did it take for you to keep the Calm workplace calm? Just because you’re helping people with their mental state doesn’t mean your team is under any less pressure to grow and build and do. One hundred percent, Bob. People will ask me at times, “What is it like to be the CEO of Calm? Do you meditate all day? Do you just sit there and meditate all day?” And I tell them, “Honestly, no. I am the most stressed-out CEO you will ever meet,” and it catches them by surprise.The reason I say that is because every second of every day, someone is turning to us for help. And I feel that pressure, that wherever they are in the world or whatever moment they’re in, they’re asking us for help, whether it’s 30 seconds, five seconds, or 10 minutes. They’re looking to us for some type of help in the moment. It could be prevention or intervention. So I feel that pressure. When you ask about a company that’s small and punches above its weight, we feel that pressure. I feel that pressure. I know my employees feel it. But I do try to practice what I preach. And the biggest thing I do is try to be very vulnerable in front of them. I don’t view vulnerability as a weakness. So I tell them when I’m feeling stressed. I tell them when things aren’t going well. I’m super transparent, and I wasn’t always that way because I used to view it as a weakness. Today, I view it as a strength. View the full article

When companies like OpenAI and Google started rolling out generative AI models to the general public, I doubt they predicted how attached people would get to the technology—and the effect it would have on their collective mental health. Some ChatGPT users legitimately mourned when OpenAI shutdown its GPT-4o model, as they treated that specific model like a companion. Others have taken darker paths with their chatbots, resulting in lawsuit against AI companies whose technology allegedly advised and encouraged suicidal thoughts. This situation puts a lot of pressure on these companies, as it should: Generative AI is hugely influential right now, and there's a lot of responsibility on the developers of that tech. It's under that backdrop where we find Google's latest updates to Gemini. In a Tuesday morning press release, the company strayed away from fun new features or ability for its flagship AI; instead, Google's latest updates are focused on mental health, and how Gemini impacts the emotions and moods of the people who use it. Specifically, Google has three key points it says its implementing to improve how Gemini handles these tough situations. How Gemini will offer users crisis support Google says it is updated to Gemini to "streamline the path to support for those who need it." The company says that when the AI detects that a user might need mental health details during a chat, Gemini will present a new "Help is available" module, which can point users towards information and care. Google says that it worked with clinical experts on this in-chat module. On the flip side, if Gemini thinks that a user is at risk of self-harm or suicide, it will present a "one-touch" interface to connect that user immediately to a crisis hotline. Users will be able to call or text the hotline, or visit its website, directly from their Gemini chat. Even if the conversation moves on, Gemini will keep these resources available for users should they need them. Google says it is pledging $30 million in global funding over the next three years to assist crisis hotlines. The company is also expanding its relationship with ReflexAI, including $4 million in funding. Gemini is changing how it responds to "acute mental health situations"Google says its clinical, engineering, and safety teams are currently focused on improving how Gemini responds to these difficult situations. Specifically, there are three areas of focus: Safety and human connection: Google wants to connect users to real humans, not AI chatbots, in times of crisis. Improved responses: AI responses should encourage users to seek help, and not validate harmful behaviors or self-harm. Avoiding confirming false beliefs: Google says it trained Gemini not to reinforce false beliefs, and "gently" differentiate between subjective and objective realities. This point is particularly important, as previous generative AI models (notably GPT-4o) were all too ready to confirm delusional thoughts from users. What Google says it is doing with Gemini to protect younger usersBy far, the most important discussion here surrounds minors and their interactions with AI. For its part, Google is touting what it has done with Gemini to protect younger users, including: "Persona protections" supposedly stops Gemini from acting like a companion when interacting with minors. There are designs to block Gemini from connecting too deeply with younger users, to prevent developing an emotional dependance. Gemini will avoid encouraging both bullying and harassment. While user safety is important across the board, it's especially important for young people, who are quite literally growing up with the tech. These announcements are encouraging from Google, but I still have plenty of concerns, not to mention skepticism. Meta's internal policies concerning how its models interacted with minors was appalling, so I'm not necessarily ready to believe big tech has the youth's best interest in mind. But any work that helps prevent younger users from forming attachments with AI, or having that AI reinforce dangerous of harmful thoughts, I certainly welcome. View the full article

As the trial date nears for a showdown between Elon Musk and OpenAI, the artificial intelligence company has sent a letter to the attorneys general in California and Delaware accusing Musk of “anti-competitive behavior.” The letter, seen by both CNBC and the Sacramento Bee, alleges that Musk has been attempting to undermine OpenAI through a series of “attacks” on the company. OpenAI also accuses Musk of “coordinating his efforts” with Meta founder Mark Zuckerberg, saying the two billionaires are “turning to conduct and approaches that we do think are really highly questionable and sharply worthy of investigation.” “It appears that Mr. Musk has reached new lows, as it has been just reported today that he is directing the circulation of false and wholly unfounded allegations in the press in a last-ditch effort to discredit OpenAI and its leadership,” wrote OpenAI strategy chief Jason Kwon in the letter. Neither X nor Meta replied to requests for comment on the allegations. Kwon asked authorities to investigate any “anti-competitive” and “improper” behavior by Musk and his associates, pointing to a story that ran Monday in The New Yorker. The report said Musk had hired investigators to conduct extensive surveillance on OpenAI CEO Sam Altman, including tracking his flights, the parties he attended, and conducting interviews with a purported sex worker. The story included several lurid claims, though The New Yorker said it could find no evidence to support any of them. Altman stringently denied the rumors, calling the gossip “disgusting behavior from a competitor that I assume is part of an attempt at tainting the jury in our upcoming cases.” The history between Musk and Altman is complicated. The two co-founded OpenAI in 2015 as a nonprofit but had a falling out that led to Musk leaving in 2018 and eventually starting his own AI company. In 2024, he sued OpenAI, saying he was “assiduously manipulated” and “deceived” after the company explored becoming a for-profit entity. Jury selection for that case is scheduled to begin on April 27. In his letter, Kwon said the “attacks” could disrupt OpenAI’s efforts to develop artificial general intelligence (AGI), systems that equal or surpass human intelligence. “These attacks are designed to take control of the future of AGI out of the hands of those who are legally obligated to pursue the mission of ensuring that AGI benefits all of humanity, and put it into the hands of competitors who lack mission-driven principles and spurn any responsibility for safety,” Kwon wrote. While the letter names Zuckerberg, it offers little detail about the allegations against him. A report last month from Engadget, however, described text messages between Musk and Zuckerberg from last February. The exchange initially focused on Musk’s work with DOGE, but he later asked whether Zuckerberg was “open to the idea of bidding on the OpenAI IP with me and some others.” Zuckerberg replied that he would prefer to “discuss it live,” and a phone call was set up for the following day. (Zuckerberg never officially joined the bid to buy OpenAI.) The history between Musk and Zuckerberg is also fraught. Musk has previously challenged Zuckerberg to a cage match, referred to him as a “cuck,” and proposed a penis-size competition. After The President took office for the second time, however, the two appeared to set aside their differences and became allies. The letter is not the first time OpenAI has raised concerns about Musk’s behavior. Earlier this year, the company warned investors and banking partners that it expected the Tesla CEO to make “deliberately outlandish, attention-grabbing claims” as the trial approached that were not “grounded in reality” and were “typical of the harassment tactics he’s previously deployed.” View the full article

In an era where data drives decision-making, small businesses can benefit significantly from innovations in survey technology. SurveyMonkey, a leader in this field, recently announced enhancements to its AI-driven features, underscoring the company’s commitment to reliability and accuracy—critical factors for any small business looking to harness customer insight. Robin Ducot, SurveyMonkey’s Chief Technology Officer, emphasized that the dependability of AI outputs is paramount. “Reliability and accuracy are huge for us—because otherwise, what are we doing?” he said. Small business owners can appreciate that the integrity of the data they collect is foundational for making informed decisions that can affect everything from product development to customer service. SurveyMonkey’s AI solutions continuously monitor outputs and adhere to best practices to ensure data validity. This involves periodic retraining and comparing predictions against known data. For small businesses, this means they can trust that their surveys yield accurate insights, saving time and resources previously wasted on flawed data. The development of these intelligent features has involved direct collaboration between experts in survey methodology and software engineering. Zoe Padgett, a Senior Research Scientist at the company, shared that her team’s approach includes a thorough checklist of established best practices in survey design. This meticulous attention to detail ensures that key factors—like the alignment of response scales with questions and the avoidance of double-barreled queries—optimize the quality of data collection. For small business owners, utilizing these AI-driven tools can streamline the feedback process from customers, creating opportunities for improvement based on actionable insights. However, the promise of AI in survey technology is not without its considerations. Meera Vaidyanathan, SurveyMonkey’s Chief Product Officer, pointed out the essential role of trust in their services. “Trust is really the backbone of everything we do,” she noted. “Transparency is key.” For small businesses, understanding how AI processes their data is crucial. Owners must ensure their customers know how their data will be used, reinforcing trust in the feedback process. SurveyMonkey recognizes the need for customer control over AI features, allowing businesses the option to enable or disable AI support as necessary. This flexibility is particularly advantageous for small business owners, who may have varying levels of comfort with AI technology. It empowers them to tailor the use of AI according to their specific needs and to maintain a transparent dialogue with their customers about the survey process. While the advantages of these AI tools are clear, small business owners should also be mindful of potential challenges. Effective implementation of AI-powered survey solutions requires initial training and understanding of the technology. Business owners may need to invest time in learning how to best leverage these tools for their specific industry and customer base. There is also a risk of over-relying on automated insights without incorporating human judgment and contextual knowledge. Moreover, as the landscape of survey technology evolves, small businesses should stay informed about ongoing updates in best practices and industry standards. SurveyMonkey’s approach entails continuous evaluation of their methodologies, informed by insights from both internal and external experts in survey research. For small business owners, accessing resources and guidance from such trusted sources can enhance their understanding and effectiveness in implementing survey strategies. In a competitive market, feedback from customers can be a game-changer for small businesses looking to differentiate themselves. SurveyMonkey’s AI advancements provide an opportunity to leverage technology for deeper insights, but the path to success lies in balancing AI’s capabilities with human oversight and ethics. Equip your team with reliable survey tools that promote transparency, and ensure that you’re prepared to embrace the potential of AI while staying grounded in best practices. For further information on these features and to explore how they can benefit your business, visit the original post here. Image via Google Gemini This article, "SurveyMonkey Enhances Trust with AI-Driven Survey Methodology Insights" was first published on Small Business Trends View the full article

In an era where data drives decision-making, small businesses can benefit significantly from innovations in survey technology. SurveyMonkey, a leader in this field, recently announced enhancements to its AI-driven features, underscoring the company’s commitment to reliability and accuracy—critical factors for any small business looking to harness customer insight. Robin Ducot, SurveyMonkey’s Chief Technology Officer, emphasized that the dependability of AI outputs is paramount. “Reliability and accuracy are huge for us—because otherwise, what are we doing?” he said. Small business owners can appreciate that the integrity of the data they collect is foundational for making informed decisions that can affect everything from product development to customer service. SurveyMonkey’s AI solutions continuously monitor outputs and adhere to best practices to ensure data validity. This involves periodic retraining and comparing predictions against known data. For small businesses, this means they can trust that their surveys yield accurate insights, saving time and resources previously wasted on flawed data. The development of these intelligent features has involved direct collaboration between experts in survey methodology and software engineering. Zoe Padgett, a Senior Research Scientist at the company, shared that her team’s approach includes a thorough checklist of established best practices in survey design. This meticulous attention to detail ensures that key factors—like the alignment of response scales with questions and the avoidance of double-barreled queries—optimize the quality of data collection. For small business owners, utilizing these AI-driven tools can streamline the feedback process from customers, creating opportunities for improvement based on actionable insights. However, the promise of AI in survey technology is not without its considerations. Meera Vaidyanathan, SurveyMonkey’s Chief Product Officer, pointed out the essential role of trust in their services. “Trust is really the backbone of everything we do,” she noted. “Transparency is key.” For small businesses, understanding how AI processes their data is crucial. Owners must ensure their customers know how their data will be used, reinforcing trust in the feedback process. SurveyMonkey recognizes the need for customer control over AI features, allowing businesses the option to enable or disable AI support as necessary. This flexibility is particularly advantageous for small business owners, who may have varying levels of comfort with AI technology. It empowers them to tailor the use of AI according to their specific needs and to maintain a transparent dialogue with their customers about the survey process. While the advantages of these AI tools are clear, small business owners should also be mindful of potential challenges. Effective implementation of AI-powered survey solutions requires initial training and understanding of the technology. Business owners may need to invest time in learning how to best leverage these tools for their specific industry and customer base. There is also a risk of over-relying on automated insights without incorporating human judgment and contextual knowledge. Moreover, as the landscape of survey technology evolves, small businesses should stay informed about ongoing updates in best practices and industry standards. SurveyMonkey’s approach entails continuous evaluation of their methodologies, informed by insights from both internal and external experts in survey research. For small business owners, accessing resources and guidance from such trusted sources can enhance their understanding and effectiveness in implementing survey strategies. In a competitive market, feedback from customers can be a game-changer for small businesses looking to differentiate themselves. SurveyMonkey’s AI advancements provide an opportunity to leverage technology for deeper insights, but the path to success lies in balancing AI’s capabilities with human oversight and ethics. Equip your team with reliable survey tools that promote transparency, and ensure that you’re prepared to embrace the potential of AI while staying grounded in best practices. For further information on these features and to explore how they can benefit your business, visit the original post here. Image via Google Gemini This article, "SurveyMonkey Enhances Trust with AI-Driven Survey Methodology Insights" was first published on Small Business Trends View the full article

Few people would rally behind a campaign described as “we should control what other people can or can’t build,” or “let’s block certain people from living near us.” But that’s exactly what comes from typical zoning, permitting, and development rules. These local policies continue to get support from residents because the narratives are framed as “defending neighborhood character” or “protecting community identity.” Same policy, but without all the troublesome truth. Reframing a narrative from oppression to protection doesn’t change the facts, it changes how people feel about them. Successful NIMBY activists are excellent marketers, whether they realize it or not. They lead with character, cohesion, heritage—appeals that feel collective and protective rather than selfish and restrictive. The frame doesn’t just soften opposition, it recruits people who might otherwise stay neutral. This works because human psychology responds more powerfully to emotional and symbolic appeals than to literal descriptions. Negative frames highlight control, loss, or exclusion. Positive frames emphasize protection, belonging, and shared identity. In local politics, where home feels deeply personal, a protective-sounding narrative turns what could be seen as selfish restriction into principled guardianship. Nothing changes but the story In 2008, Shreddies was a square wheat cereal that had flagging sales. A young intern at an ad agency came up with an idea that added intangible value without changing the cereal recipe at all. Rotate the squares 45 degrees, and rebrand them as diamonds. Real people who thought they were part of focus groups described how the texture and taste of new Diamond Shreddies were better than the original squares. Sales surged for what became marketed as “45 more degrees of delicious.” Red Bull’s early consumer tests essentially pitched people an odd taste in a tiny can at a high price. Rational analysis predicted failure, but the brand reframed every liability as a feature. The small can meant concentrated power, and like some type of medicine, the strange flavor told your brain that the drink was working. Red Bull is a multi-billion-dollar icon built entirely on perception. Nothing changes but the story, and rejection becomes enthusiastic support. You might not like it, but that’s how our brains work. Public policy rhetoric is no different. “Keep out new families” sounds harsh and even embarrassing, but “defending neighborhood character” sounds noble. The underlying policy is identical in either case, but the narrative frame transforms how people feel about the policy. This framing advantage explains why housing shortages persist despite broad agreement that more supply is needed. NIMBY activists dominate the emotional, identity-based narrative. Pro-housing voices, by contrast, tend to default to terms that carry stigma or abstraction: “affordable housing,” “increased density,” and “upzoning.” These phrases describe policy accurately, but they don’t make anyone feel anything worth protecting. The asymmetry is stark when only one side in terms of values. New narratives Until urbanists find equally resonant frames, the better marketers will keep winning. People who want to see their community become stronger might consider narratives like these: Legalize the kind of community where young families can put down roots More neighbors means more local businesses, more sidewalk conversations, more community. Build communities where teachers and nurses can live near the people they serve. Restore the kind of walkable, connected neighborhoods people love. The facts don’t need to change, but the stories absolutely do. Reframing is perception magic. Understanding NIMBY success as marketing, not merely as grassroots sentiment, is the first step toward opening the doors to new homes in communities that so desperately need affordable places to live. The goal isn’t to out-argue opponents on policy details, it’s to out-story them. Until pro-housing advocates learn to speak in the same emotional register, they’ll keep bringing a spreadsheet to a storytelling fight. View the full article

We may earn a commission from links on this page. While I'd never presume to speak for her, I suspect that Margaret Atwood would be perfectly happy to be a little less hot right now, if only it meant that her works of fiction, always prescient, weren't so alarmingly present. Written in 1985, The Handmaid's Tale feels closer than ever, and its 2019 sequel, The Testaments, now has a much-anticipated adaptation of its own. While Handmaid saw a generation of women coming to grips with an oppressive Christian nationalist regime consolidating its power, The Testaments finds a later generation of young women who've never known any different; for whom this is all perfectly normal. Which feels rather real. Stream The Handmaid's Tale and The Testaments on Hulu, and then check out these other fascist dystopias. Alias Grace (2017) It’s the other big Margaret Atwood novel adaptation (existing well in the shadow of the bigger, buzzier Handmaid’s Tale), but this miniseries is every bit as biting and well-crafted. It’s based on the true story of a poor Irish immigrant found guilty of a double homicide in 1843 under somewhat mysterious circumstances, and following a life of trauma. Years later, a psychiatrist comes to examine her and explores her past and the circumstances that might (just might) have driven a disenfranchised and powerless girl to murder. Stream Alias Grace on Netflix. Alias Grace (2017) at Netflix Learn More Learn More at Netflix Pluribus (2025 – ) In some ways, this is a bit of an anti-Handmaid's Tale, with Pluribus leaning toward dark comedy, but we remain in a fascist dystopia in this show from Breaking Bad's Vince Gilligan, albeit of a different variety. Rhea Seehorn plays Carol Sturka, a fantasy romance author and general grouch who becomes one of only 13 people on the planet immune to the "Joining," an alien virus that transforms the rest of humanity into a peaceful, perky, and perpetually content hive mind. Carol refuses to surrender her miserableness in the face of a loss of identity, fighting instead to restore humanity to its admittedly cruddy ways. Thrilling, heartbreaking, and oddly funny, the show manages to address big questions about what it means to be human, but also, more specifically, suggests that even women who don't quite have their shit together deserve freedom of thought and bodily autonomy. Stream Pluribus on Apple TV. Pluribus (2025 – ) at Apple TV Learn More Learn More at Apple TV 3% (2016 – 2020) It would be tempting to see this as a metaphor for the American dream but, of course, it’s a Brazilian show, and it’s not as though inequality was invented in the United States—we’re just particularly good at it. In 3%, the impoverished young Inlanders have one shot at success: completing “The Process,” a series of interviews, puzzles, and escape rooms designed to test their worthiness to join a futuristic offshore utopia. Most fail, and many don’t survive, leaving a success rate of ... 3%. This is very much Hunger Games territory in terms of its themes, but the show has a darker, more adult edge. Stream 3% on Netflix. 3% (2016 – 2020) at Netflix Learn More Learn More at Netflix Watchmen (2019) A standalone sequel to the groundbreaking Alan Moore, Dave Gibbons, and John Higgins graphic novel from the '80s (one that ignores the point-missing Zack Snyder movie), this series plays in the sandbox of that book (arguably the wellspring of all modern superhero deconstruction) while advancing its themes. In an alternate Tulsa, Oklahoma, in a world where super-powered vigilantes exist but have been outlawed, the series starts, dramatically, with a depiction of the real-life massacre and destruction of Tulsa's Black Wall Street by white residents in 1921. Regina King plays Angela Abar, a modern cop whose grandparents were killed during those attacks, an event that echoes throughout the series—it's a dystopia that doesn't look all that much different from our own, with masked police operating on the edges of the law, and overtly racist organizations that hold increasing political sway. Generational trauma is at issue here, and, like The Handmaid's Tale, it's a show that looks more depressingly prescient with each passing year. Stream Watchmen on HBO Max. Watchmen (2019) at HBO Max Learn More Learn More at HBO Max The Man in the High Castle (2015 – 2019) From a novel by Philip K. Dick (whose work has been the basis for Blade Runner, Total Recall, Minority Report, A Scanner Darkly, among many others), The Man in the High Castle takes place in an alternate history in which the Axis powers won World War II, and in which the United States is split down the middle; Japan governing the west and Germany the east. The title’s man in the high castle offers an alternate view, though, one in which the Allies actually won, with the potential to rally opposition to the Axis rulers. As the show progresses through its four seasons, the parallels to our increasingly Nazi-friendly world only grow. Stream The Man in the High Castle on Prime Video and Netflix. The Man in the High Castle at Prime Video Learn More Learn More at Prime Video Mrs. America (2020) Though fictionalized, Mrs. America dramatizes the ‘70s-era fight over the Equal Rights Amendment, the moment being, simultaneously, a high and low point in the hope for equity and autonomy. Cate Blanchett plays activist Phyllis Schlafly, who lead the fight against the (once) broadly popular proposed amendment, weaponizing the ERA by tying it to radical and pro-choice feminists, homosexuals, desegregationists, and other maligned groups. She was at the forefront of the broad conservative cultural shift that was very much in full swing when Atwood was writing Handmaid, and it’s not a bad time to take a close look at the people who made basic equality sound radical—a reminder that misogyny is not nearly only the province of white men. This is one hell of a supporting cast as well, including Rose Byrne, Uzo Aduba, and Elizabeth Banks. Stream Mrs. America on Hulu. Mrs. America (2020) at Hulu Learn More Learn More at Hulu Mask Girl (2023) Kim Mo-mi (Lee Han-byeol, initially), the Mask Girl of the title, is a uniquely complicated woman in this twisty-turny K-drama, one that borders on the experimental in its shifting-perspective format. Mo-mi always wanted to be a K-Pop idol, but it was always made clear to her that she's not nearly pretty enough for that kind of stardom. So, in order to fill that void, she's got a side hustle: On top of her boring office job, she puts on a blonde wig and a mask to perform as a camgirl for anonymous men. It's a means to express herself creatively and sexually with a level of control—until a mistake causes her to lose that control, a co-worker discovers her secret life, and desperation leads to murder. It's a thoroughly twisty thriller with a dark sense of humor, but one that never forgets that Mo-mi's increasingly disturbing actions are fueled by a culture that sees her as plain, and therefore as merely incidental. Stream Mask Girl on Netflix. Mask Girl (2023) at Netflix Learn More Learn More at Netflix Kindred (2022) Adapted from the essential 1979 novel by Atwood contemporary Octavia Butler, Kindred sees Dana James (Mallori Johnson) pulled back through time to antebellum plantation in Maryland. Having just moved to Los Angeles in 2016 (that year being no accident), Dana finds herself repeatedly transported even as her white neighbors are concerned about the new Black woman on the block. It's not nearly as effective as the book (which should be required reading), granted, but, like the book, it makes clear that the corrupting influence of American slavery has infected everything it has touched, then and now, and that Black women bear an even greater part of that burden. Stream Kindred on Hulu. Kindred (2022) at Hulu Learn More Learn More at Hulu Leila (2019) Plenty will seem familiar here: Adapted from the Prayaag Akbar novel, Leila finds Shalini (Huma Qureshi) living in a segregated India of the 2040s, one in which water and clean air have increasingly become luxuries. For all of that, Shalini and her family are doing better than most, until they're attacked for their interfaith marriage—husband Rizwaan is killed, their daughter is kidnapped, and Shalini is sent to a re-education center alongside other women who are seen as sinners or otherwise unclean. There's the possibility of taking what's referred to as a Purity Test, but not for women with "mixed blood" like Leila. It's a future where women are held to strict but shifting moral standards, dissent is ruthlessly put down, education that's not religious is dismissed, and the environment is increasingly precarious. Couldn't happen here, of course. Stream Leila on Netflix. Leila (2019) at Netflix Learn More Learn More at Netflix Shining Girls (2022) Handmaid's Tale lead Elisabeth Moss stars in this other sci-fi story from an acclaimed novel (in this case by Lauren Beukes). Moss plays Kirby Mazrachi, an archivist at the Chicago Sun-Times who was attacked and left for dead years ago. She still suffers from the trauma of the event, a legacy which becomes even more complicated when she finds reality shifting around her, and comes across a woman who was murdered, with wounds nearly identical to those that almost killed Kirby. She becomes determined to find the killer, even as the number of female victims grow. It's significant that she's an archivist and not a cop: Kirby isn't content to see these women as bodies, or as merely victims, but is determined that their stories are told. Best not to give to much more away here, except to say that there's a other significant clue in the title, referring as it does to women who stand out in a culture that doesn't always reward that kind of thing. Stream Shining Girls on Apple TV. Shining Girls (2022) at Apple TV Learn More Learn More at Apple TV View the full article

The robots are coming—and they’ll need a good map to get around, whether they’re delivering our packages, driving us around, or doing any of the myriad of other tasks robotic helpers may perform for us in the future. “Without spatial intelligence, your robot really can’t do what you want it to do,” says John Hanke, the former CEO of Niantic Spatial who transitioned into the role of the company’s executive chairman a week ago. “Your Roomba is operating just in your house. But as we’re about to start operating at city scale, we need these big, large-scale, shared, accurate representations of the world.” This week, Niantic is taking the next step towards building that map: The company is launching its new Scaniverse platform, which aims to give companies and individuals the tools to capture the world with phones, 360-degree cameras and drones, and then fuse that data into a massive 3D map that allows robots to navigate the world around us with centimeter-level accuracy. It’s a very different approach from the way companies like Google have traditionally approached the problem, as Hanke knows firsthand from having led Google’s mapping efforts two decades ago. “The problem with the Google approach, having lived it, is: You send all the cars out, capture all the streets,” Hanke says. “Then a new road gets built. Everything changes. You’re always behind. Your data is always stale. It’s always old. And it’s very capital-intensive.” And while an outdated map may be annoying to people, it’s all but worthless to a robot. “You want it to be a living map, not some static reconstruction,” Hanke says. An app for enthusiasts becomes an enterprise platform Niantic came up with its bottoms-up, distributed approach to mapping when it was working on the popular mobile game Pokémon Go, and needed to turn real-life landmarks into virtual battlegrounds for its millions of players. When the company sold Pokémon Go a year ago and rebranded as Niantic Spatial, it doubled down on its 3D mapping efforts, striking deals with robotics companies and others to take advantage of its geospatial data. The company’s new Scaniverse platform is based on an app for 3D enthusiasts the company acquired five years ago. In its first iterations, the Scaniverse app primarily focused on letting people capture smaller objects in 3D. To do so, Scaniverse users would slowly move their phone camera around such an object, and then the app would turn the captured footage into a three-dimensional representation of it. Since the acquisition, Niantic expanded Scaniverse to also allow users to scan entire rooms—all while still processing all of the data locally on a user’s phone. Now, Niantic is taking the next step with the launch of cloud-based video processing and a dedicated Scaniverse website. Enterprise customers can use that website to upload footage from a variety of devices, including not just phones but also 360-degree cameras and drones, and then have that footage turned into a 3D model. Adding 360-degree camera support has been a game changer for the company. “Your camera sees what’s in front of you, what’s behind you, above you and below you,” says Niantic Spatial Senior Product Manager Azad Balabanian. “This is extremely important for being able to achieve very immersive-looking [scans].” Last month, Niantic let me scan a large square in front of San Francisco’s Ferry Building, where the company is located. Capturing this area was extremely easy: I simply carried a 360-degree camera on a selfie stick while casually walking a big loop—a process that took maybe five minutes. Once the footage got uploaded to Scaniverse, the platform automatically removed any trace of me, and then rendered the entire square in 3D: To turn the captured video footage into a 3D model, Scaniverse uses a technology known as Gaussian splatting. In essence, Gaussian splatting turns 2D images into a huge number of three-dimensional blobs that offer varying degrees of transparency, and can be viewed from all angles. Gaussian splatting has become one of the most promising ways to capture spaces in 3D. It is also being used by Meta to capture real-life rooms for virtual worlds. Niantic released its own VR viewing app for Scaniverse scans last year. Now, the company is focused on not only making its scans look good to humans, but also make sense to robots and AI algorithms. “Gaussian splatting can be very tricky,” Balabanian explains. “Things [may be] looking right, but not actually have real surfaces.” Oversimplified, a wall that’s painted white can look nearly indistinguishable from a wall of fog to a 3D scanning app. That’s why Niantic researchers developed a depth estimation model for the Scaniverse cloud processing platform that accurately captures hard surfaces a robot may crash into. “We can achieve lidar-level-quality depth without needing Lidar,” Balabanian says, referencing the laser sensors used by self-driving cars to safely navigate streets. 3D for construction companies, Hollywood and AI Some of the sectors that Niantic is targeting with its new Scaniverse platform include construction, logistics and utilities, all industries that handle large, complex sites. Having 3D models of these sites can help with planning and maintenance, but also enable the companies to eventually have robots navigate their warehouses and power plants. Building and training robots, and the AI models used to make them work, also requires a bunch of 3D data. “Robots need a lot of training data, and [companies] want to simulate things in training environments before they deploy them,” Balabanian says. “If you want to make sure your robot works really well in a real-life place, the best way you’re going to do that is to map the place yourself.” Even Hollywood can benefit from technologies like Gaussian splatting, and for instance scan film locations to plan shoots, and generate the kind of raw concept footage known among studio insiders as pre-visualization. But while Niantic Spatial is now expanding its offerings to the enterprise, it hasn’t forgotten about the hobbyists and enthusiasts that turned Scaniverse into an early 3D scanning success story. For now, the company is offering separate consumer and enterprise accounts for Scaniverse. Eventually, it wants to merge those two versions of the platform, and give enthusiasts and prosumers access to cloud-based processing as well. It’s a nod to Niantic’s roots in the consumer space—the same roots that led the company to bet on simple phone-based apps over an expensive fleet of camera-equipped cars to scan the world. “We developed quite a lot with very little, initially,” says Balabanian. “All the things [we] developed for consumer applications are now stepping stones for the enterprise.” View the full article

UK National Cyber Security Centre warns that vulnerable routers will let attackers steal passwords and log-in details View the full article

Downing Street reiterates that Iran conflict ‘isn’t our war’View the full article

Effective leadership isn’t just about giving orders—it’s about truly hearing your team. Starbucks CEO Brian Niccol believes that listening more and talking less is the most underrated skill a leader can have. View the full article

A term loan calculator is a useful tool that helps you estimate your monthly payments and total interest costs for a term loan. By entering details like the loan amount, interest rate, and repayment period, you can quickly generate payment estimates and see an amortization schedule. This tool is crucial for financial planning, as it allows you to compare different loan options and understand how additional payments can influence your overall costs. But how does it work in practice? Key Takeaways A term loan calculator estimates monthly payments, total interest, and repayment timelines for fixed-term loans. Users input loan amount, interest rate, and repayment period into the calculator for accurate calculations. It helps compare different loan structures and their financial impacts effectively. The calculator can generate an amortization schedule, detailing payment breakdowns over time. It aids in financial planning, allowing borrowers to understand total loan costs before committing. Understanding Term Loans A term loan is a fundamental financial tool that can help you meet specific funding needs. It’s a type of loan providing a fixed amount of money, which you repay over a predetermined period, usually with fixed monthly payments. The duration can range from one year to several years, and longer terms often mean lower monthly payments but higher total interest costs. Interest rates on term loans can be fixed or variable, affecting your overall repayment. To manage these loans effectively, you can use a term loan calculator. This tool helps you estimate your monthly payments and determine the total interest paid on a 25-year mortgage. How to Use a Term Loan Calculator Using a term loan calculator can simplify the process of comprehending your loan obligations and help you make informed financial decisions. To start, input the loan amount, interest rate, and repayment period into the loan payment calculator. This lets you see how to calculate loan payment effectively. You can likewise use a monthly payment calculator to visualize different scenarios, like comparing a 10-year term to a 20-year term. By using the amortization schedule formula, you can generate an amortization table calculator that outlines your payment breakdown over time. If you want to see how extra payments affect your total costs, utilize a loan calculator with extra payments feature. This enables you to calculate total interest paid and understand your financial commitment better. Key Variables in Loan Calculation When calculating loan payments, several key variables come into play that directly impact your financial commitments. The loan amount, which is the total funds borrowed, greatly influences your monthly payment. The interest rate, expressed as a percentage, determines the supplementary cost of borrowing and affects the total interest paid over the loan’s life. The repayment period, or loan term, can likewise impact your monthly payment; longer terms usually mean lower payments but higher total interest costs. In addition, loan fees, such as origination fees, may adjust the initial loan balance, so it’s important to factor these into your calculations. Comprehending whether you have a fixed interest rate or a variable interest rate is vital, as this affects how your payments may change over time based on market conditions. Benefits of Using a Term Loan Calculator Grasping the benefits of a term loan calculator can greatly improve your financial decision-making process. By using this tool, you can quickly estimate your monthly payments based on the loan amount, interest rate, and term. It helps you perceive the total loan cost, including principal and interest, enabling better budgeting. Here’s a summary of key benefits: Benefit Description Quick Estimates Get rapid estimates for your 80000 mortgage payment. Cost Awareness Learn how to calculate total interest paid. Scenario Comparison Compare different loan structures easily. Amortization Simplified Create an amortization schedule with clear breakdowns. Financial Planning Use tools like loan calculator excel for ideal choices. Utilizing an amortization calculator with extra payments excel can further clarify your payment schedule calculator loan, helping you make informed decisions regarding your finances. Real-World Examples of Loan Calculations Real-world examples of loan calculations illustrate how a term loan calculator can simplify your comprehension of monthly payments and overall loan costs. For instance, if you take a $50,000 loan over 10 years, you’d pay about $580.54 monthly, totaling $19,665.09 in interest. A $35,000 car loan with a 3-year term results in monthly payments of approximately $1,048.98, with total interest of $2,763.33. Using a loan amortization schedule calculator for a $10,000 debt consolidation loan over 3 years, you’d see monthly payments of $334.54 and $2,043.31 in total interest. Moreover, if you add an extra $100 to your $20,000 loan’s monthly payment, a loan calculator with extra payments excel shows you can cut total interest by $500 and pay off the loan a year earlier. These examples demonstrate how to calculate amortization expense clearly using an amortization schedule mortgage formula. Frequently Asked Questions How Do You Calculate a Term Loan? To calculate a term loan, start by gathering key details like the loan amount, interest rate, and loan term. You can use the formula for monthly payment: M = P × (r(1 + r)^n) / ((1 + r)^n – 1). Here, P is the principal, r is the monthly interest rate, and n is the total number of payments. Finally, determine the total interest by multiplying the monthly payment by the number of payments and subtracting the principal. What Does Term Mean on a Loan Calculator? The term on a loan calculator refers to the duration over which you’ll repay the loan. It’s typically expressed in months or years, greatly influencing both your monthly payments and total interest. Shorter terms usually mean higher monthly payments but less interest paid overall, whereas longer terms can lower your monthly costs, affecting your financial strategy. Comprehending this helps you make informed decisions about the loan’s impact on your budget and long-term financial health. How Does a Term Loan Work? A term loan provides you with a lump sum that you repay over a set period, usually one to ten years. You’ll make regular payments, which include both principal and interest, gradually reducing your balance. The interest rate can be fixed or variable, impacting your total borrowing cost. Typically, you can use these loans for large expenses like equipment purchases or business expansions, with options for both secured and unsecured loans available. Which Is Better, CC or Term Loan? When deciding between a credit card and a term loan, consider your financial needs. Term loans usually offer lower interest rates and fixed monthly payments, making them better for larger purchases. They provide a clear repayment schedule, reducing the risk of accumulating debt. Conversely, credit cards often have higher interest rates and variable payments, which can lead to unexpected costs. For significant expenses, a term loan is often the more cost-effective option. Conclusion In conclusion, a term loan calculator is an invaluable tool for anyone considering a loan. By comprehending how to input key variables like loan amount, interest rate, and repayment period, you can easily estimate monthly payments and total interest costs. This calculator not just aids in financial planning but additionally enables you to compare different loan options effectively. Using it can lead to more informed decisions, finally helping you manage your finances with greater confidence. Image via Google Gemini This article, "What Is a Term Loan Calculator?" was first published on Small Business Trends View the full article

A term loan calculator is a useful tool that helps you estimate your monthly payments and total interest costs for a term loan. By entering details like the loan amount, interest rate, and repayment period, you can quickly generate payment estimates and see an amortization schedule. This tool is crucial for financial planning, as it allows you to compare different loan options and understand how additional payments can influence your overall costs. But how does it work in practice? Key Takeaways A term loan calculator estimates monthly payments, total interest, and repayment timelines for fixed-term loans. Users input loan amount, interest rate, and repayment period into the calculator for accurate calculations. It helps compare different loan structures and their financial impacts effectively. The calculator can generate an amortization schedule, detailing payment breakdowns over time. It aids in financial planning, allowing borrowers to understand total loan costs before committing. Understanding Term Loans A term loan is a fundamental financial tool that can help you meet specific funding needs. It’s a type of loan providing a fixed amount of money, which you repay over a predetermined period, usually with fixed monthly payments. The duration can range from one year to several years, and longer terms often mean lower monthly payments but higher total interest costs. Interest rates on term loans can be fixed or variable, affecting your overall repayment. To manage these loans effectively, you can use a term loan calculator. This tool helps you estimate your monthly payments and determine the total interest paid on a 25-year mortgage. How to Use a Term Loan Calculator Using a term loan calculator can simplify the process of comprehending your loan obligations and help you make informed financial decisions. To start, input the loan amount, interest rate, and repayment period into the loan payment calculator. This lets you see how to calculate loan payment effectively. You can likewise use a monthly payment calculator to visualize different scenarios, like comparing a 10-year term to a 20-year term. By using the amortization schedule formula, you can generate an amortization table calculator that outlines your payment breakdown over time. If you want to see how extra payments affect your total costs, utilize a loan calculator with extra payments feature. This enables you to calculate total interest paid and understand your financial commitment better. Key Variables in Loan Calculation When calculating loan payments, several key variables come into play that directly impact your financial commitments. The loan amount, which is the total funds borrowed, greatly influences your monthly payment. The interest rate, expressed as a percentage, determines the supplementary cost of borrowing and affects the total interest paid over the loan’s life. The repayment period, or loan term, can likewise impact your monthly payment; longer terms usually mean lower payments but higher total interest costs. In addition, loan fees, such as origination fees, may adjust the initial loan balance, so it’s important to factor these into your calculations. Comprehending whether you have a fixed interest rate or a variable interest rate is vital, as this affects how your payments may change over time based on market conditions. Benefits of Using a Term Loan Calculator Grasping the benefits of a term loan calculator can greatly improve your financial decision-making process. By using this tool, you can quickly estimate your monthly payments based on the loan amount, interest rate, and term. It helps you perceive the total loan cost, including principal and interest, enabling better budgeting. Here’s a summary of key benefits: Benefit Description Quick Estimates Get rapid estimates for your 80000 mortgage payment. Cost Awareness Learn how to calculate total interest paid. Scenario Comparison Compare different loan structures easily. Amortization Simplified Create an amortization schedule with clear breakdowns. Financial Planning Use tools like loan calculator excel for ideal choices. Utilizing an amortization calculator with extra payments excel can further clarify your payment schedule calculator loan, helping you make informed decisions regarding your finances. Real-World Examples of Loan Calculations Real-world examples of loan calculations illustrate how a term loan calculator can simplify your comprehension of monthly payments and overall loan costs. For instance, if you take a $50,000 loan over 10 years, you’d pay about $580.54 monthly, totaling $19,665.09 in interest. A $35,000 car loan with a 3-year term results in monthly payments of approximately $1,048.98, with total interest of $2,763.33. Using a loan amortization schedule calculator for a $10,000 debt consolidation loan over 3 years, you’d see monthly payments of $334.54 and $2,043.31 in total interest. Moreover, if you add an extra $100 to your $20,000 loan’s monthly payment, a loan calculator with extra payments excel shows you can cut total interest by $500 and pay off the loan a year earlier. These examples demonstrate how to calculate amortization expense clearly using an amortization schedule mortgage formula. Frequently Asked Questions How Do You Calculate a Term Loan? To calculate a term loan, start by gathering key details like the loan amount, interest rate, and loan term. You can use the formula for monthly payment: M = P × (r(1 + r)^n) / ((1 + r)^n – 1). Here, P is the principal, r is the monthly interest rate, and n is the total number of payments. Finally, determine the total interest by multiplying the monthly payment by the number of payments and subtracting the principal. What Does Term Mean on a Loan Calculator? The term on a loan calculator refers to the duration over which you’ll repay the loan. It’s typically expressed in months or years, greatly influencing both your monthly payments and total interest. Shorter terms usually mean higher monthly payments but less interest paid overall, whereas longer terms can lower your monthly costs, affecting your financial strategy. Comprehending this helps you make informed decisions about the loan’s impact on your budget and long-term financial health. How Does a Term Loan Work? A term loan provides you with a lump sum that you repay over a set period, usually one to ten years. You’ll make regular payments, which include both principal and interest, gradually reducing your balance. The interest rate can be fixed or variable, impacting your total borrowing cost. Typically, you can use these loans for large expenses like equipment purchases or business expansions, with options for both secured and unsecured loans available. Which Is Better, CC or Term Loan? When deciding between a credit card and a term loan, consider your financial needs. Term loans usually offer lower interest rates and fixed monthly payments, making them better for larger purchases. They provide a clear repayment schedule, reducing the risk of accumulating debt. Conversely, credit cards often have higher interest rates and variable payments, which can lead to unexpected costs. For significant expenses, a term loan is often the more cost-effective option. Conclusion In conclusion, a term loan calculator is an invaluable tool for anyone considering a loan. By comprehending how to input key variables like loan amount, interest rate, and repayment period, you can easily estimate monthly payments and total interest costs. This calculator not just aids in financial planning but additionally enables you to compare different loan options effectively. Using it can lead to more informed decisions, finally helping you manage your finances with greater confidence. Image via Google Gemini This article, "What Is a Term Loan Calculator?" was first published on Small Business Trends View the full article