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In the fast-paced world of small business, where every decision counts and time often feels scarce, managing agreements efficiently can mean the difference between seizing an opportunity and missing the boat entirely. DocuSign’s recent announcement of AI-driven capabilities tailored for in-house legal teams promises to transform how businesses approach contract management. With its new Intelligent Agreement Management (IAM) platform, DocuSign aims to streamline workflows, enhance collaboration, and ultimately drive better business outcomes. Every business relies on agreements, yet many small companies still operate amidst a maze of emails, PDFs, and disconnected tools, complicating the contract lifecycle. Document data often becomes siloed, with legal teams grappling to find critical insights and next steps. DocuSign’s IAM seeks to solve this problem by integrating the entire agreement lifecycle into a single platform. Allan Thygesen, CEO of DocuSign, emphasized the evolution of legal work: “Legal teams aren’t just reviewing contracts, they’re helping businesses move forward.” The IAM platform introduces AI-powered assistants and agents that dynamically contextualize agreements based on past negotiations, terms, and company policies. This allows businesses to make informed decisions faster. The core functionalities of the platform include chat interfaces for real-time collaboration, automated workflows that can operate around the clock, and customized tools for creating and managing agents tailored to an organization’s specific needs. Key benefits of DocuSign’s IAM include: Streamlined Processes: Legal teams can analyze and redline agreements with context-aware conversational AI, making collaboration more efficient. Automation: Agreements can be triaged and reviewed by agents, taking mundane tasks off the plate of busy professionals and freeing them to focus on higher-level strategy. Informed Decision-Making: With a comprehensive view of past negotiations and terms, legal teams can act swiftly and confidently. Enhanced ROI: According to a Deloitte report, organizations utilizing agentic workflows with an end-to-end agreement platform experience nearly 30% higher returns compared to those that do not. For small business owners, these features can lead to significant advantages, especially in competitive markets. By focusing on efficiency and automation, legal teams can reduce the time spent on agreement management, allowing them to concentrate on more strategic initiatives, such as client engagement and expansion. However, with the adoption of any new technology, there are notable challenges that small business owners should consider. First, the integration process may pose hurdles. For businesses already using a mix of legacy systems, implementing the IAM may require a steep learning curve and initial investment. Furthermore, while automation can enhance efficiency, it also may raise concerns about maintaining the necessary human oversight in complex agreements where legal nuance matters. Additionally, understanding the full capabilities of AI in legal frameworks is essential. While DocuSign’s platform is designed to simplify the process, small business owners should remain vigilant about potential risks associated with automating complex contract negotiations without proper oversight. DocuSign’s strategic partnerships with established legal AI platforms, such as Harvey and Thomson Reuters’ CoCounsel, further reinforce the IAM’s comprehensive approach by enabling integration with existing tools commonly used across various business functions. This broadens the scope of the IAM platform, creating a connected ecosystem that reduces operational friction for small businesses. As DocuSign transitions from a traditional e-signature service to a comprehensive agreement management system, small business owners can expect to see more robust solutions aimed at integrating legal workflows seamlessly into their daily operations. This integration allows legal teams to operate faster while ensuring compliance and reducing risk. The anticipated rollout of DocuSign’s Iris assistant and agents will offer small businesses the opportunity to elevate their agreement management practices significantly. Such advancements promise not just efficiency but the potential for greater profits and improved stakeholder relationships. As the business landscape continues to evolve, embracing systems like DocuSign’s IAM can provide small businesses with a competitive edge, improving their ability to navigate the complexities of modern contracting. Given the pivotal role of agreements in business transactions, tools that enhance speed and clarity can be invaluable. To learn more about these advancements from DocuSign, check out their original announcement here. Image via Google Gemini This article, "DocuSign Unveils AI Tools to Streamline Legal Agreement Processes" was first published on Small Business Trends View the full article

This is a programming note that I will be completely offline for the holiday of Shavout/Shavous on Friday, May 22, 2026. Any stories published here will be scheduled, written beforehand, and not written during the holiday hours...View the full article

QuantalRF says they've cracked the RF power consumption problem using sophisticated, zero-latency, self-regulating analog RF technology. The post TECH WATCH: Driving down RF power consumption – with QuantalRF appeared first on Wi-Fi NOW Global. View the full article

The pace of contract signings surged at its fastest in three years in a break from the more stagnant conditions of past home buying seasons, Realtor.com said. View the full article

In regard to employee development, grasping effective training methods is essential. On-the-job training provides hands-on experience, whereas mentorship programs encourage critical thinking. eLearning offers flexibility, and simulation training presents immersive scenarios for skill improvement. Role-playing allows for practice in real-life situations. Each method contributes uniquely to workforce growth and motivation. So, how can these approaches be customized to fit your organization’s specific needs? Key Takeaways On-the-Job Training (OJT) enhances skill acquisition through hands-on tasks, promoting immediate application and real-time feedback in the workplace. Mentorship Programs connect inexperienced staff with seasoned professionals, fostering critical thinking, communication skills, and employee engagement. eLearning offers flexible, scalable training options, allowing employees to learn at their own pace while utilizing multimedia for engagement. Simulation Training provides immersive scenarios that enhance decision-making and problem-solving skills, reinforcing knowledge retention through interactive experiences. Role-Playing develops soft skills by immersing employees in realistic scenarios, boosting confidence and critical thinking through real-time application. On-the-Job Training On-the-job training (OJT) is a highly effective method that allows you to learn skills directly in your work environment by performing actual tasks. This approach is grounded in the 70-20-10 rule of learning, where 70% comes from hands-on experience, 20% from social interactions, and 10% from formal training. The benefits of on-the-job training include immediate application of skills and real-time feedback, which helps you improve performance quickly. OJT is particularly useful in roles like sales, manufacturing, and customer service, where practical skills are crucial. Various training techniques can be employed to improve this process, but it requires a structured training plan for effective implementation. Without a clear plan, OJT may lack the necessary direction, making careful monitoring vital. Mentorship Programs Mentorship programs play a crucial role in employee development by connecting less experienced staff with seasoned professionals. These programs utilize effective training techniques for employees, pairing junior team members with mentors who can share valuable insights and skills. Through mentorship, you can develop critical thinking and effective communication, which are important for career advancement. Additionally, structured mentorship initiatives improve engagement and retention rates, as employees who feel supported are more likely to stay with the organization. Regular check-ins and clear goal setting within these mentorship programs help maintain momentum, ensuring both mentors and mentees are aligned on expectations. By nurturing relationship building and knowledge sharing, mentorship programs contribute greatly to a more collaborative workplace culture. This eventually drives greater organizational success. Employing different training methodologies, including mentorship, enriches your overall employee training methods and techniques, positioning your team for sustained growth and productivity. Elearning Incorporating various training methodologies can notably improve employee development, and eLearning stands out as a highly effective option. It offers scalable and flexible training methods for employees, allowing you to access educational content anytime and anywhere. This promotes self-paced learning and greatly reduces training costs. eLearning utilizes multimedia elements, such as videos and quizzes, catering to different training methods and enhancing engagement. Corporate Cornerstone OnDemand Learning Management Systems (LMS) can effectively manage your eLearning programs, ensuring consistency and tracking progress in real-time. Here’s a quick overview of eLearning benefits: Training Methodology Type Key Features Ideal Use Cases eLearning Flexible, self-paced Compliance training Multimedia Interactive videos, quizzes Onboarding LMS Progress tracking Knowledge-based training Virtual Sessions Instructor-led interactions Supplemental support Discussion Forums Peer engagement Community learning With eLearning, you can efficiently deliver crucial information to large groups. Simulation Training Although traditional training methods often struggle to provide real-world practice, simulation training offers a dynamic alternative by immersing employees in realistic scenarios that mimic job-related tasks. This type of training technique allows you to practice skills in a safe environment, where mistakes have no real-world consequences. Particularly in high-stakes fields like healthcare and aviation, simulation training improves your decision-making skills and problem-solving abilities. You receive immediate feedback on your performance, which reinforces knowledge retention and helps you learn from any errors. Additionally, simulation training increases engagement and motivation among learners, providing an interactive experience that traditional methods often lack. Studies show that employees who undergo simulation-based training retain knowledge and skills considerably better, making it a potent tool for effective employee development. Role-Playing Role-playing serves as an interactive training method that immerses employees in realistic job scenarios, helping them improve fundamental soft skills like communication and problem-solving. This technique is particularly effective in various methods of training, especially for roles in sales, customer service, and leadership. Here are some merits of role-playing: Real-Time Skills Application: You can practice and apply skills in relevant situations, enhancing your confidence. Critical Thinking Development: Engaging in role-playing boosts your ability to think critically and respond to challenges effectively. Team Cohesion: Collaborating during sessions nurtures a better comprehension of diverse perspectives, contributing to a more cohesive team. While it’s a beneficial training style, role-playing does require a time commitment for preparation and execution. Integrating it into a well-structured training program can maximize its effectiveness, ensuring you reap the full benefits of this interactive training method. Frequently Asked Questions What Is the 70 20 10 Rule for Training? The 70-20-10 rule for training suggests that 70% of your learning comes from on-the-job experiences, 20% from social interactions and mentoring, and just 10% from formal education. This model emphasizes hands-on learning, where you gain practical skills by engaging in real tasks. Social learning encourages discussions and collaboration with peers, whereas the formal component provides structured courses to build foundational knowledge. Together, these elements create a balanced approach to learning and development. What Are the Three Common Methods of Training and Developing Employees? You’ll find three common methods for training and developing employees: on-the-job training, eLearning, and instructor-led training. On-the-job training lets you learn skills directly in your work environment, enhancing real-time application. eLearning offers flexibility, allowing you to access content anytime and at your own pace. Instructor-led training, whether in-person or online, promotes interactive learning through discussions and immediate feedback, making it effective for team-building and leadership development. Each method serves distinct purposes. What Training Method Is Most Effective? The most effective training method often depends on your specific goals and the nature of the content. For complex topics, instructor-led training stands out because of its interactive nature and immediate feedback. If flexibility is key, eLearning meets that need with scalable options. For high-stakes environments, simulation training improves decision-making skills. In the end, blending various methods can accommodate diverse learning preferences, ensuring that employees engage with the material in ways that suit them best. What Are the 7 Steps to Create an Effective Training Program? To create an effective training program, you should follow these seven steps: first, conduct a training needs analysis to identify gaps. Next, develop clear training objectives that outline expected outcomes. Then, choose suitable training methods that cater to different learning styles. After that, implement the program with structured schedules and support. Finally, evaluate the training through assessments and feedback to measure effectiveness and adjust future efforts accordingly. This guarantees continuous improvement and alignment with goals. Conclusion In conclusion, utilizing a variety of training methods can greatly improve employee development. On-the-job training builds practical skills, whereas mentorship programs encourage personal growth. eLearning provides flexibility for individual learning styles, and simulation training offers realistic experiences that enhance decision-making. Furthermore, role-playing helps refine soft skills crucial for workplace success. By integrating these approaches, organizations can cultivate a skilled, motivated workforce, ultimately leading to improved performance and job satisfaction. Image via Google Gemini and ArtSmart This article, "5 Effective Training Methods for Employee Development" was first published on Small Business Trends View the full article

In regard to employee development, grasping effective training methods is essential. On-the-job training provides hands-on experience, whereas mentorship programs encourage critical thinking. eLearning offers flexibility, and simulation training presents immersive scenarios for skill improvement. Role-playing allows for practice in real-life situations. Each method contributes uniquely to workforce growth and motivation. So, how can these approaches be customized to fit your organization’s specific needs? Key Takeaways On-the-Job Training (OJT) enhances skill acquisition through hands-on tasks, promoting immediate application and real-time feedback in the workplace. Mentorship Programs connect inexperienced staff with seasoned professionals, fostering critical thinking, communication skills, and employee engagement. eLearning offers flexible, scalable training options, allowing employees to learn at their own pace while utilizing multimedia for engagement. Simulation Training provides immersive scenarios that enhance decision-making and problem-solving skills, reinforcing knowledge retention through interactive experiences. Role-Playing develops soft skills by immersing employees in realistic scenarios, boosting confidence and critical thinking through real-time application. On-the-Job Training On-the-job training (OJT) is a highly effective method that allows you to learn skills directly in your work environment by performing actual tasks. This approach is grounded in the 70-20-10 rule of learning, where 70% comes from hands-on experience, 20% from social interactions, and 10% from formal training. The benefits of on-the-job training include immediate application of skills and real-time feedback, which helps you improve performance quickly. OJT is particularly useful in roles like sales, manufacturing, and customer service, where practical skills are crucial. Various training techniques can be employed to improve this process, but it requires a structured training plan for effective implementation. Without a clear plan, OJT may lack the necessary direction, making careful monitoring vital. Mentorship Programs Mentorship programs play a crucial role in employee development by connecting less experienced staff with seasoned professionals. These programs utilize effective training techniques for employees, pairing junior team members with mentors who can share valuable insights and skills. Through mentorship, you can develop critical thinking and effective communication, which are important for career advancement. Additionally, structured mentorship initiatives improve engagement and retention rates, as employees who feel supported are more likely to stay with the organization. Regular check-ins and clear goal setting within these mentorship programs help maintain momentum, ensuring both mentors and mentees are aligned on expectations. By nurturing relationship building and knowledge sharing, mentorship programs contribute greatly to a more collaborative workplace culture. This eventually drives greater organizational success. Employing different training methodologies, including mentorship, enriches your overall employee training methods and techniques, positioning your team for sustained growth and productivity. Elearning Incorporating various training methodologies can notably improve employee development, and eLearning stands out as a highly effective option. It offers scalable and flexible training methods for employees, allowing you to access educational content anytime and anywhere. This promotes self-paced learning and greatly reduces training costs. eLearning utilizes multimedia elements, such as videos and quizzes, catering to different training methods and enhancing engagement. Corporate Cornerstone OnDemand Learning Management Systems (LMS) can effectively manage your eLearning programs, ensuring consistency and tracking progress in real-time. Here’s a quick overview of eLearning benefits: Training Methodology Type Key Features Ideal Use Cases eLearning Flexible, self-paced Compliance training Multimedia Interactive videos, quizzes Onboarding LMS Progress tracking Knowledge-based training Virtual Sessions Instructor-led interactions Supplemental support Discussion Forums Peer engagement Community learning With eLearning, you can efficiently deliver crucial information to large groups. Simulation Training Although traditional training methods often struggle to provide real-world practice, simulation training offers a dynamic alternative by immersing employees in realistic scenarios that mimic job-related tasks. This type of training technique allows you to practice skills in a safe environment, where mistakes have no real-world consequences. Particularly in high-stakes fields like healthcare and aviation, simulation training improves your decision-making skills and problem-solving abilities. You receive immediate feedback on your performance, which reinforces knowledge retention and helps you learn from any errors. Additionally, simulation training increases engagement and motivation among learners, providing an interactive experience that traditional methods often lack. Studies show that employees who undergo simulation-based training retain knowledge and skills considerably better, making it a potent tool for effective employee development. Role-Playing Role-playing serves as an interactive training method that immerses employees in realistic job scenarios, helping them improve fundamental soft skills like communication and problem-solving. This technique is particularly effective in various methods of training, especially for roles in sales, customer service, and leadership. Here are some merits of role-playing: Real-Time Skills Application: You can practice and apply skills in relevant situations, enhancing your confidence. Critical Thinking Development: Engaging in role-playing boosts your ability to think critically and respond to challenges effectively. Team Cohesion: Collaborating during sessions nurtures a better comprehension of diverse perspectives, contributing to a more cohesive team. While it’s a beneficial training style, role-playing does require a time commitment for preparation and execution. Integrating it into a well-structured training program can maximize its effectiveness, ensuring you reap the full benefits of this interactive training method. Frequently Asked Questions What Is the 70 20 10 Rule for Training? The 70-20-10 rule for training suggests that 70% of your learning comes from on-the-job experiences, 20% from social interactions and mentoring, and just 10% from formal education. This model emphasizes hands-on learning, where you gain practical skills by engaging in real tasks. Social learning encourages discussions and collaboration with peers, whereas the formal component provides structured courses to build foundational knowledge. Together, these elements create a balanced approach to learning and development. What Are the Three Common Methods of Training and Developing Employees? You’ll find three common methods for training and developing employees: on-the-job training, eLearning, and instructor-led training. On-the-job training lets you learn skills directly in your work environment, enhancing real-time application. eLearning offers flexibility, allowing you to access content anytime and at your own pace. Instructor-led training, whether in-person or online, promotes interactive learning through discussions and immediate feedback, making it effective for team-building and leadership development. Each method serves distinct purposes. What Training Method Is Most Effective? The most effective training method often depends on your specific goals and the nature of the content. For complex topics, instructor-led training stands out because of its interactive nature and immediate feedback. If flexibility is key, eLearning meets that need with scalable options. For high-stakes environments, simulation training improves decision-making skills. In the end, blending various methods can accommodate diverse learning preferences, ensuring that employees engage with the material in ways that suit them best. What Are the 7 Steps to Create an Effective Training Program? To create an effective training program, you should follow these seven steps: first, conduct a training needs analysis to identify gaps. Next, develop clear training objectives that outline expected outcomes. Then, choose suitable training methods that cater to different learning styles. After that, implement the program with structured schedules and support. Finally, evaluate the training through assessments and feedback to measure effectiveness and adjust future efforts accordingly. This guarantees continuous improvement and alignment with goals. Conclusion In conclusion, utilizing a variety of training methods can greatly improve employee development. On-the-job training builds practical skills, whereas mentorship programs encourage personal growth. eLearning provides flexibility for individual learning styles, and simulation training offers realistic experiences that enhance decision-making. Furthermore, role-playing helps refine soft skills crucial for workplace success. By integrating these approaches, organizations can cultivate a skilled, motivated workforce, ultimately leading to improved performance and job satisfaction. Image via Google Gemini and ArtSmart This article, "5 Effective Training Methods for Employee Development" was first published on Small Business Trends View the full article

In an interview with Bloomberg on Wednesday, JPMorgan CEO Jamie Dimon said that every job will feel the effects of AI—including bankers. “I think [AI will] reduce some of our jobs down the road,” Dimon told Bloomberg’s Haslinda Amin. “I think we’ll be hiring more AI people and probably less bankers in certain categories.” Dimon said that AI will cause reductions and downsizing at the company, but he said, “that’s been happening my whole life.” As AI changes jobs, the billionaire CEO said JPMorgan will retrain and redeploy employees, and in some cases, offer early retirement. Dimon also said that society needs to “get prepared” for how AI will change the workforce. JPMorgan is using AI for numerous reasons already, Dimon said, including in marketing, risk, fraud and document management—but he said this is all just the “tip of the iceberg,” because AI is moving so quickly. Dimon acknowledged that the banking space has changed with the introduction of fintech companies that traditional bankers have to compete with. JPMorgan’s own technology budget is now at $20 billion, Dimon said. Additionally, the company started tracking and ranking its engineers’ AI usage and performance on internal dashboards. “We are investing that money to be competitive and do a better job for our clients,” Dimon added. While the fundamental need to hold, move and invest money will remain constant, Dimon said that how people and banks will do it will look very different. For example, he said, more blockchain might be used, or there might be “more people in AI jobs and less people in certain jobs.” While Dimon didn’t speak to specifics about the possibility of restructuring or layoffs at JPMorgan, other global banks are increasing investments in AI and planning sweeping changes to their workforces. On Tuesday, Standard Chartered announced it would cut nearly 8,000 roles over the next four years to replace “lower-value human capital” with technology. Following backlash, the company’s CEO Bill Winters clarified the statement, saying: “Where roles do fall away, it reflects changes in the work, not the value of our people.” Dimon told Bloomberg that Winters’ initial claim was “inartful,” adding that AI will impact employees of all skill levels. Several companies outside of the banking sector, like Meta and Cisco, have recently shed portions of their workforce to offset heavy AI spending. According to Dimon, the banking sector will not go untouched. View the full article

Earnings are in for two of the largest retailers, and they paint two very different pictures. Walmart, which has seen success in an economy where consumers are cutting back on spending and turning to budget retailers, now seems to be in a downturn, having just announced layoffs as it stocks falls. Meanwhile, Target, which was struggling a year ago amid a cost-of-living crisis and rising tariffs, and following consumer boycotts over a DEI rollback, seems to have hit reverse—with sales and stock price in an upswing. What’s happening with these two retailers? Here’s what to know. Walmart looks at impact of soaring gas prices On Thursday, Walmart reported strong first-quarter earnings for the 2027 fiscal year, but reiterated its previous, less-than-rosy financial outlook citing high gas prices, which have spiked as a result of the U.S. war with Iran, amid a bottleneck at the Strait of Hormuz. Walmart’s chief financial officer John David Rainey told CNBC that while consumer spending held up this past quarter despite the high price of gas—possibly due to high tax returns—overall, low-income Walmart customers (those most affected by this K-shaped economy) are hardest hit and spending less. Rainey said now that “those tax refunds are largely not coming in, I think consumers are going to feel more of that pressure from higher fuel prices” going forward in the second quarter. While, Walmart did issue strong Q1 results, it apparently wasn’t enough to keep investors happy or the stock from falling, given the continued cautious long term guidance. Shares of Walmart Inc. (Nasdaq: WMT) were down nearly 8% by midday Thursday at the time of this writing. For Q1 FY27, Walmart’s revenue came in at $177.75 billion, beating expectations of $174.98 billion, with e-commerce up 26%. Earnings per share (EPS) of 66 cents topped analyst estimates of 65 cents per share. That also beat earnings of 61 cents a year ago. Is Target making a comeback? Meanwhile, Target, which reported earnings on Wednesday, seems to be in upward trajectory. As Fast Company previously reported, the Minneapolis-based company’s financial prospects have been steadily improving this year, despite struggling a year ago amid rising consumer costs and DEI boycotts. Shares of the stock are up 30.17% since the beginning of the year, outperforming the S&P 500. Shares of Target Corporation (NYSE:TGT) were also up slightly .13% on Thursday midday. Like Walmart, Target cited higher tax returns as fueling customer quarterly spending at their stores, despite the high price at the gas tank. Target reported $25.4 billion in net sales, with earnings per share (EPS) of $1.71, beating estimates of $1.46, per CNBC. View the full article

Strava announced today a complete overhaul of its strength training experience. It's one of the bigger gym-based updates I've seen from the app—the new features include 14 partner integrations, a dedicated workout log, auto-populated muscle maps, and five new strength-specific shareables. According to Strava, the update is rolling out globally in the coming weeks, so you should be able to try all of these new goodies soon. For anyone who has ever wished Strava treated their weight training with even a fraction of the seriousness it gives to runs and rides, the update certainly looks promising. Whether it fully delivers on its potential is a question that will require some testing to answer, given that most strength apps look better on paper than they actually work in practice. Strava's workout log is getting a full refresh, including muscle mapsThe core update is a completely refreshed workout log that lets you record sets, reps, and weight directly inside Strava. In theory, this could close a gap for all of the Strava runners out there who also lift, but lack a reliable way to keep that training data in the same place as everything else. For me, the most eye-catching feature is that every logged strength workout will now automatically generate a visual muscle map highlighting which muscle groups were worked based on the exercises recorded. This could be a great way to understand your training balance, avoid overuse, and make sure you're not accidentally skipping the same muscles every week. Of course, a muscle map is only as good as the underlying exercise data, and a factor there could be how well the different partner apps feed into Strava. . These partner apps now work with StravaStrava is launching with 14 partner integrations, pulling strength data from apps and devices across the fitness ecosystem. The initial partners include: 24 Hour Fitness (coming this summer), Amazfit, Caliber, Coros, Fitbod, Garmin, Hevy, iFIT Personal Trainer, JEFIT, Liftoff, Motra, Remaker, Runna, and Whoop. I'll be covering these integrations in more depth once I have a clearer picture of exactly what data each one sends across and how it surfaces inside Strava. But a few things stand out to me. The Hevy integration seems particularly promising. Hevy is a well-regarded dedicated strength logging app, and pulling detailed workout data from it directly into Strava could be a welcome consolidation for people already using it. For Coros and Garmin users, the integration should mean strength sessions tracked on your watch will flow into Strava automatically, just like your runs do now. I'm curious to dig into exactly what that looks like in practice—how exercises are classified, whether sets and reps come through cleanly, and whether the muscle maps populate correctly from watch-captured data versus manually logged workouts. The Whoop integration is also worth noting, as Whoop just added expanded strength training features of its own. Given Whoop's status as a launch partner, I imagine there are plenty of ways the two platforms complement each other—say, with Whoop's recovery and strain data sitting alongside Strava's activity log and social elements. And on that note, Strava is also adding five new strength-specific share formats, designed to give gym workouts the same social motivation juice that outdoor activities have always had on the platform. View the full article

For years, Claire’s was a rite of passage for mall-going millennials who wanted to buy glittery accessories and butterfly hair clips, and also get their ears pierced. Now the iconic fashion accessories and jewelry retailer is set to expand well beyond the mall. Earlier this week, Ames Watson and Centric Brands announced a licensing partnership that will bring Claire’s to more than 7,000 new retail locations across North America. Currently, Claire’s operates more than 900 locations, many of which are in malls. But Claire’s is set to diversify more. Centric Brands will help expand Claire’s presence into new categories and across major retail partners, including CVS, Kohl’s, and Walmart. “By expanding our presence beyond our own stores, we’re able to meet consumers wherever they shop, while continuing to invest in the in-store experiences that define the brand, like ear piercing,” Lawrence Berger, cofounder and partner at Ames Watson, said in a statement. A quick look at Claire’s past Between 2017 and 2018, Claire’s shuttered 189 stores, including some of its sister brand stores, Icing. The retailer filed for Chapter 11 bankruptcy protection in March 2018. The fashion and accessories company filed for bankruptcy for a second time in August 2025. Later that month, Claire’s was acquired by private equity firm Ames Watson for $140 million. Bankruptcy records listed 234 Claire’s stores and 56 Icing stores that were set to close. Exclusive new items coming to store shelves Centric Brands and Claire’s will develop an exclusive collection of trend-driven products. The new items will span across multiple categories, including: Cosmetics Jewelry Hair accessories Stationery Bags Novelty items Centric Brands will also expand Claire’s into additional retailers and explore new product categories, like apparel, accessories, home, and sleepwear. The licensing partnership could lead to co-branded products being sold through shop-in-shop experiences, leveraging Centric Brands’ relationship with “entertainment studios and other IP holders.” “The partnership reflects a shared commitment between Centric Brands and Ames Watson to scale Claire’s as a multi-channel brand through expanded distribution, strategic licensing partnerships, and consistent brand storytelling across every consumer touchpoint,” a news statement read. Claire’s isn’t new to retail partnerships Retail partnerships are nothing new for Claire’s, but the scale of this expansion is. In 2018, Claire’s began selling its products at select Walmart locations in the United States and Canada. The fashion accessories and jewelry retailer began partnering with Kohl’s in 2023. This latest move is part of a bigger trend among brick-and-mortar retailers that have figured out ways to strategically coexist. Office supplies chain Staples, for example, recently announced that it would sell merchandise from Party City, a party supplies retailer that also filed for bankruptcy multiple times. View the full article

Flipper Devices, the company behind the semi-infamous Flipper Zero "hacking" multi-tool, is developing a Linux-powered mini-PC with the goal of creating a "truly open hardware platform." The Flipper One is described as a pocket-sized ARM device for high-performance computing, IP networking, and on-device AI use. The device is in development, so there is no price or release date as yet. The Flipper One is being built on a Rockchip RK3576 processor and the modular design means it can be expanded. "Flipper Zero taught us how much you can do with a tightly scoped, open product and a community that pushes it further than you can. Flipper One is what happens when we apply the same approach to a much bigger problem—building a fully open ARM Linux device that doesn't go obsolete the moment it ships," Pavel Zhovner, Co-founder and CEO of Flipper Devices, said in a press release. In keeping with the Flipper "open everything" ethos, the Flipper One is a community developed project, and anyone who wants to can check in and/or help out through the Developer Portal. What you will be able to do with a Flipper OneNetwork debugging: The Flipper One will feature high-speed connectivity, including Ethernet, wi-fi 6E, and optional 5G, allowing it to function as an advanced network debugging tool. On-Device AI: The Flipper One will have local AI hardware acceleration, so it will be able to handle compute-heavy tasks without needing a cloud connection. Wireless analysis: The device will capture and analyze wireless traffic and network signals in real time. Who is the Flipper One for?If you work in network administration, you probably already know why you need or don't need a Flipper One, but if you're just a casual tech enthusiast or tinkerer, it might provide a powerful sandbox. Here are some potential uses: As a retro console: Presumably, it will have enough power to run Linux video game emulation software, so you could connect a Bluetooth controller, plug into a TV, and have a powerful portable gaming rig in your pocket. As a home server: You could use this to run a network-wide ad-blocker, or use it as a portable media server that could be accessed by any device on your wifi. As private AI: Since it can run artificial intelligence, you can experiment with LLMs in complete privacy. To learn about the devices around you: We are surrounded by Bluetooth beacons, wifi probes, and radio signals we never think about. This will give you some insight into that invisible world. View the full article

The average long-term U.S. mortgage rate climbed this week to its highest level in nearly nine months, driving up borrowing costs for homebuyers during what’s traditionally the housing market’s busiest time of the year. The benchmark 30-year fixed rate mortgage rate rose to 6.51% from 6.36% last week, mortgage buyer Freddie Mac said Thursday. Despite the sharp increase, the average rate remains below 6.86%, where it was a year ago. Rates have been mostly trending higher since the war with Iran began. The closure of the Strait of Hormuz has roiled energy markets, sending crude oil prices sharply higher — a key driver of inflation. Mortgage rates are influenced by several factors, from the Federal Reserve’s interest rate policy decisions to bond market investors’ expectations for the economy and inflation. They generally follow the trajectory of the 10-year Treasury yield, which lenders use as a guide to pricing home loans. Expectations of higher oil prices and worries about big and growing debts for the U.S. government and others have pushed up long-term bond yields, causing mortgage rates to head higher. The yield on the U.S. 10-year Treasury note, which was at 4.6% in midday trading Thursday on the bond market. A week ago, it was at 4.47%. It was at just 3.97% in late February, before the war broke out. Meanwhile, borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, also rose this week. That average rate climbed to 5.85% from 5.71% last week. A year ago, it was at 6.01%, Freddie Mac said. When mortgage rates rise they can add hundreds of dollars a month in costs for borrowers, reducing their purchasing power. As recently as late February, the average rate on a 30-year mortgage had slipped just under 6% for the first time since late 2022. It’s hasn’t fallen below that threshold since. It’s now at its highest level since August 28, when it was 6.56%. While average long-term mortgage rates remain lower than they were at this time last year, their recent increase has helped dampen sales so far this spring homebuying season. Sales of previously occupied U.S. homes were essentially flat last month after declining from a year earlier in the first three months of the year, extending a nationwide housing slump that dates back to 2022 when mortgage rates began to climb from pandemic-era lows. Mortgage applications, which include loans to buy a home or refinance an existing mortgage, fell 2.3% last week from a week earlier to their lowest level in five weeks, according to the Mortgage Bankers Association. Much of the decline was caused by a sharp drop in home purchase applications. The elevated mortgage rates are driving more prospective homebuyers to adjustable-rate mortgages, or ARMs. Such loans, which typically offer lower initial interest rates than traditional 30-year, fixed-rate mortgages, accounted for nearly 10% of all mortgage applications last week, the highest share since October, MBA said. Home shoppers who are undeterred by rising mortgage rates are benefiting from buyer-friendly trends in many markets, including more properties on the market than a year ago and data showing home listing prices have started falling in many metro areas, especially in the South and Midwest. “The spring season still offers real opportunity, though each uptick in rates narrows the pool of buyers who can make the numbers work,” said Anthony Smith, senior economist at Realtor.com. —Alex Veiga, AP business writer View the full article

A reader writes: I have an odd dilemma that I have no idea what to do about. I started a new job recently and my cubicle has a really nice large window that looks out into the side garden, where there is a view of a hummingbird feeder and a bluebird nest box. I’m super appreciative of my nice view but the problem is, so is everybody else. As it’s warmed up and more birds are active, several coworkers have started just stopping in my doorway or stepping into my cubicle behind me to just … view the birds. On one hand, I get it. I have a nice big window and most people don’t. But also, I find it super distracting to have people sneak up on me or just stand there creepily behind me while I’m trying to work. What’s a nice way to handle this? I’m on the verge of being like, CAN I HELP YOU? I thought briefly about moving the feeder, but the box can’t be moved and it wouldn’t solve the problem, really. Yeah, this was foreordained as soon as they put the nest box and feeder there. Of course people will want to look at it. It would likely have been better located by a conference room or kitchen window, rather than at one person’s desk, but here you are. Is there any chance you can just move desks? Maybe there’s not, but it might be worth saying to your boss, “I love the view at my desk, but I’m realizing people stop by all day to watch the birds and it’s really distracting. Any chance there’s a different desk I could use?” If not, can you change the direction you’re facing so that people who stop by aren’t right in your line of sight? It’s still unnerving to know someone is standing behind you, but you might get better at blocking that out over time. You could also try arranging a piece of furniture to stop people from standing right behind you. If none of that works, you could ask people who are lingering, “Do you need me?” and look at them expectantly. With some people, that will be enough to make them realize this is someone’s workspace they’re standing in. But other people will say no, they don’t need you, they’re just watching the birds. In those cases, you can decide if you want to say, “Yeah, they’re really cute! It’s hard to work with so many people coming in to watch them though.” You might not go straight to this the first time someone does it, but you might after the second or third. That said, this is trickier because you’re new and you want to be warm and friendly to your new colleagues and not end up as The New Hire Who Ruined Our Bird Fun. Or possibly, The New Hire Who Kept the Birds All For Herself. So before you move to that, the better plan might be to spend a few weeks really trying to block people out. Realistically, I don’t know if you’ll be able to — I think I would find that really distracting too, and I am someone who can normally block out distractions when I’m working — but if you’ve made a good faith effort to do that before asking people to stop (plus allowed that additional time for people to get to know you as someone other than Bird Fun Destroyer) it’ll likely go over better when you do. The post my window has become the bird-watching window appeared first on Ask a Manager. View the full article

President refuses to approve order hours before planned signing due to fears US innovators will lose out to ChinaView the full article

President Donald The President is apparently a secret sushi enthusiast, if a million-dollar investment he made earlier this year is anything to go by. This week, The President released a financial disclosure report showing the millions of dollars worth of investments he made in the first three months of the year. Amid a sea of companies specializing in tech and defense, one of The President’s biggest investments caught the internet’s attention: a purchase of stock in conveyor belt sushi chain Kura Sushi worth at least $1 million dollars. The President’s financial disclosure gives a range for the value of each investment, not an exact number, so his stock in Kura Sushi could be anywhere from $1 million to $5 million. Kura Sushi is one of just 36 companies to receive such a large investment from The President out of 3,600 total buy-and-sell orders he placed in the beginning of 2026, and it stands out as the only restaurant in the bunch. The President did purchase stock in other restaurants, including The Cheesecake Factory and Dave & Buster’s, but his investments in both of those businesses fell into the $15,000-$50,000 range. What, then, makes Kura Sushi so special? Social media has a running theory that The President merely confused two businesses with similar-sounding names—and according to reports, it wouldn’t be the first time the president had made such a mistake. A flashback to 2020 The Kura Sushi situation reminds social media of another viral The President moment: the infamous Four Seasons fiasco of 2020. In November of that year, just days after the presidential election was called for Joe Biden, The President’s lawyer Rudy Giuliani held a press conference in Philadelphia. The President posted about the event, saying it would be at “Four Seasons, Philadelphia,” implying the luxury Four Seasons hotel in the city’s downtown area. But he quickly clarified that the conference would actually be at Four Seasons Total Landscaping, a small business subsequently mocked online for its proximity to a sex shop and a crematorium. As the New York Times reported at the time, the issue wasn’t that The President’s team had booked the wrong venue—speaking at the landscaping company was always the intention, apparently—but that The President had misunderstood which Four Seasons his lawyers would be speaking at. Given his proclivity for mixing up businesses, might The President’s investment in Kura Sushi have been meant for a similar sounding company? Perhaps he meant to invest in Fujikura, a telecommunications company that’s seen growth in the wake of the AI boom, which would look much more at home among The President’s other recent multimillion-dollar investments. Putting millions of dollars toward the wrong company would be careless, financially irresponsible, and require a total lack of attention to detail—but given The President’s reported track record, it’s well within the realm of possibility. The President’s investment strategy Though The President’s massive purchase of sushi stock is amusing on paper, the larger scope of his investment profile paints a more serious picture. As noted by journalist Judd Legum on Bluesky, The President’s investments were often followed by public comments endorsing the companies he’d bought stocks in. The pattern is obvious: After investing in Thermo Fisher Scientific, he toured one of the biotech company’s facilities and called it an “incredible company.” His investment in computer manufacturer Micron was swiftly followed by a meeting with its CEO and a comment to Fox News that Micron is “one of the hottest companies.” And after purchasing at least a million dollars’ worth of stock in Dell, he directly told an audience to “go out and buy a Dell computer.” The President has long been open about his dislike for raw fish, instead being known for chowing down on hamburgers and catering the White House with McDonalds. But if his pattern of advertising his investments holds true, maybe we’ll see The President singing sushi’s praises sometime soon. View the full article

Passive investors set to dump billions of shares to make way for new stocksView the full article

Pakistani mediators expected to travel to Tehran as diplomacy to end conflict intensifiesView the full article

If you’re looking for alternatives to QuickBooks, several accounting programs can meet your needs. Options like Zoho Books and FreshBooks offer user-friendly interfaces and outstanding invoicing features. At the same time, Xero thrives in real-time collaboration, and Sage Intacct focuses on scalability. Larger enterprises might consider NetSuite, whereas Quicken is ideal for personal finance management. Each option has unique strengths, which can help you streamline your accounting processes more effectively. Let’s explore these alternatives further. Key Takeaways Zoho Books: Offers invoicing, expense tracking, and automation tools, starting at $15/month, making it a cost-effective alternative for small businesses. FreshBooks: Tailored for freelancers with strong invoicing, time tracking, and customizable templates, priced from $21/month with a 30-day free trial. Xero: Priced from $13/month, it provides unlimited user access, customizable reporting, and integrates with over 800 third-party applications for enhanced collaboration. Sage Intacct: A user-friendly cloud solution starting at $10/month, offering customizable reporting and strong financial management capabilities for growing businesses. Quicken: Focused on personal finance management, priced between $5.99 to $10.99/month, ideal for tracking home and business expenses without advanced accounting features. Zoho Books Zoho Books is a robust accounting software designed to meet the needs of small to medium businesses by providing a wide range of features. As an accounting software alternative to QuickBooks, it offers invoicing, expense tracking, and thorough reporting tools, making it suitable for various financial tasks. With pricing starting at just $15 per month, you’ll find it affordable, especially for startups and freelancers. The free plan allows you to manage one user, one accountant, and up to 1,000 invoices annually. Zoho Books improves efficiency through automation for recurring invoices and payment reminders. It also integrates seamlessly with other Zoho applications, broadening its functionality for users already in the Zoho ecosystem. Moreover, it supports multiple currencies and tax compliance, making it a solid choice among other accounting software besides QuickBooks for businesses with international operations or diverse financial needs. FreshBooks FreshBooks stands out as a valuable accounting solution customized for freelancers and small businesses, offering pricing plans that range from $21 to $65 per month. New users can take advantage of a free 30-day trial to explore its features. Here are some key aspects of FreshBooks: Strong invoicing capabilities with customizable templates Automated reminders to guarantee timely payments Integration with Gusto for seamless payroll services Built-in time tracking to manage billable hours effectively User-friendly interface, simplifying financial management FreshBooks allows unlimited invoices across all pricing tiers, even though lower-priced plans have client limits. This flexibility makes it an excellent choice for growing businesses, as you can scale your services as needed. Users appreciate the expense tracking and receipt scanning features, which improve the overall experience of managing finances efficiently. Xero Xero offers a competitive pricing structure starting at $13 per month, making it an attractive option for businesses looking for crucial accounting features. Its key features include customizable reporting, project management capabilities, and seamless integration with over 800 third-party applications, which improve its overall functionality. As you explore user experiences, you’ll find that Xero’s cloud-based platform guarantees real-time collaboration, allowing you to access your financial data from any device connected to the internet. Pricing Structure Comparison When considering accounting software, Xero presents a competitive pricing structure that caters to various business needs. The plans are designed to accommodate different levels of complexity and scale. Here’s a quick breakdown of their pricing: Early Plan: $13/month for one user and five invoices. Growing Plan: $37/month with unlimited invoices and additional features. Established Plan: $80/month, offering advanced features like project tracking and multi-currency support. Unlimited Users: All plans include unlimited users, unlike QuickBooks, which charges per user. 30-Day Free Trial: Try Xero risk-free before committing. With integration options for over 800 third-party apps, Xero improves functionality without extra costs, making it a versatile choice for your accounting needs. Key Features Overview For businesses seeking an effective accounting solution, Xero offers a range of key features that improve financial management. Its intuitive user interface simplifies navigation, while robust reporting capabilities let you generate customizable reports to track financial performance. You’ll appreciate the unlimited user access across all pricing plans, making it perfect for mid-sized teams that need collaborative accounting tools. Xero also integrates seamlessly with over 800 third-party applications, allowing you to tailor your accounting system to fit your unique needs. Furthermore, its project tracking features enable you to manage projects effectively by reviewing stages such as draft, in progress, and complete. Pricing starts at just $13 per month, providing crucial accounting features to help you manage your finances efficiently. User Experience Insights Users often find Xero’s intuitive interface and accessibility to be significant advantages when managing their finances. The platform caters to a wide range of skill levels, making it easy for anyone to navigate. Here are some key user experience insights: Unlimited users on all pricing plans, promoting team collaboration without extra charges. Integration with over 800 third-party applications, enhancing functionality and connectivity with other business tools. Robust reporting capabilities with customizable templates for personalized financial insights. Project management features available for an additional cost, allowing tracking of project stages and profitability. A user-friendly dashboard that streamlines access to important financial data. QuickBooks Online QuickBooks Online stands out as a leading cloud-based accounting solution designed to streamline financial management for businesses of all sizes. With subscription plans starting at $35 per month, you can manage income and expenses, invoicing, and payment acceptance from any device with internet access. The platform boasts robust features like tax deduction handling, receipt and mileage tracking, and advanced capabilities in higher tiers, such as bill management, time tracking, and workflow automation. With a user rating of 4.3, it’s a popular choice, especially for businesses with full accounting departments. The software promotes real-time collaboration among team members, allowing for custom permissions and multiple logins to improve productivity. Nevertheless, be aware that QuickBooks Online‘s pricing has greatly increased over the years, with fees rising by up to 125% since 2017, leading some users to seek more cost-effective alternatives. Quicken Though QuickBooks Online serves as a strong solution for extensive business accounting, Quicken offers a more customized approach for individuals and small businesses focusing on personal finance management. Priced between $5.99 to $10.99 per month, it’s an affordable choice for managing finances effectively. With Quicken, you can benefit from: Thorough expense tracking User-friendly budgeting tools Financial report generation Rental property management features Discounts for the first year While it stands out in personal finance, Quicken lacks advanced accounting features like payroll and time tracking, making it less suited for larger businesses. Instead, it shines for users needing to track home and business expenses, providing vital tools to help you create budgets and monitor spending. If your focus is primarily on personal finance rather than complex accounting needs, Quicken could be the perfect fit for you. NetSuite NetSuite streamlines your accounting processes through automation, which can greatly reduce manual tasks and errors. Its customization and scalability options cater to your business’s unique needs, whether you’re a midsized company or a large enterprise. This flexibility, combined with advanced reporting features, can help you gain valuable insights into your financial performance. Automated Accounting Processes In the domain of automating accounting processes, businesses increasingly seek solutions that can handle various tasks with minimal manual intervention. NetSuite excels in this aspect by offering automation for key accounting functions, allowing you to streamline your workload effectively. Here are some notable features: Automated invoicing and bill payments Efficient tax code management Simplified journal entry processes Advanced reporting and analytics for real-time insights Seamless integration with CRM and inventory management Although NetSuite is designed for midsized businesses and larger enterprises, its complexity can be challenging for smaller organizations. Adequate training and resources are necessary to fully leverage these automated processes, ensuring you maximize the benefits while minimizing errors in your accounting tasks. Customization and Scalability Options When businesses look for accounting solutions, customization and scalability are often top priorities. NetSuite stands out in both areas, allowing you to tailor functionalities based on your specific needs. Its scalability is particularly beneficial for mid-sized to large enterprises, enabling you to adapt as your business grows without switching platforms. You can customize dashboards and reports to focus on the metrics that matter most, enhancing decision-making. Furthermore, NetSuite integrates with various third-party applications, allowing for a more cohesive workflow. Feature Benefit Custom Dashboards Tailor metrics to your needs Multi-Currency Support Ideal for global operations Third-Party Integrations Expand functionality seamlessly Sage Intacct Many small to medium-sized businesses are turning to Sage Intacct for their accounting needs. This cloud-based software offers a starting price between $10 to $25 per month, with a promotional rate of just $7.50 for the first six months. Although it includes basic accounting tools like automatic Intuit reconciliation and invoice management, additional features such as project or time tracking require paid add-ons. Here are some key features of Sage Intacct: Designed for ease of use, perfect for non-experts Offers customizable reporting for customized financial insights Strong financial management capabilities for growing businesses Scalable solutions that adapt as your business expands Focused on fundamental functionalities without overwhelming users With its robust features, Sage Intacct is an excellent choice for businesses looking for effective financial management without the complexity of more advanced software. Frequently Asked Questions What Is the Best Software to Replace Quickbooks? To find the best software to replace QuickBooks, consider your specific needs. AccountingEdge offers robust features for managing multiple companies at $20/month, potentially saving you money. Wave’s free plan is ideal if you’re on a budget. Xero provides extensive collaboration for mid-sized teams starting at $13/month, whereas FreshBooks focuses on freelancers with strong invoicing tools at $21-$65/month. Zoho Books combines affordability and functionality, starting at $15/month, making it a solid choice for small to medium businesses. Why Do CPAS Not Like Quickbooks Online? CPAs often find QuickBooks Online frustrating because of its rising subscription costs, which many deem excessive. The software’s complexity can hinder timely financial advice, as inconsistencies and reporting limitations arise. Furthermore, its cloud-based nature raises concerns about data security for sensitive information. Many CPAs likewise note a lack of crucial features, like advanced payroll management, and perceive the user interface as less intuitive, resulting in longer training times and decreased efficiency. Who Is Intuit’s Biggest Competitor? Intuit’s biggest competitor is Xero. It offers unlimited users across all its plans, which is an attractive feature for growing businesses. Moreover, Xero provides robust reporting capabilities that cater well to mid-sized teams. FreshBooks and Wave are likewise strong contenders, especially for freelancers and small businesses. FreshBooks is known for its user-friendly interface, whereas Wave stands out as a free option, making accounting accessible for very small businesses. How to Run a Business Without Quickbooks? To run a business without QuickBooks, consider using alternative accounting software customized to your needs. Look into platforms like Wave for free invoicing and expense tracking, or Xero for its project management capabilities. FreshBooks offers user-friendly options for freelancers, whereas Zoho Books provides extensive automation features at a competitive price. Evaluate these choices based on your business size and requirements to guarantee smooth financial operations without relying on QuickBooks. Conclusion In conclusion, choosing the right accounting program depends on your specific business needs. Options like Zoho Books and FreshBooks offer simplicity and efficiency for smaller operations, whereas Xero and Sage Intacct provide advanced features for growing companies. If you need scalability, NetSuite is a strong choice, while Quicken suits personal finance management. QuickBooks Online remains a popular choice, but exploring these alternatives can help you find the best fit for effective financial management and reporting. Image via Google Gemini This article, "7 Accounting Programs Similar to QuickBooks" was first published on Small Business Trends View the full article

If you’re looking for alternatives to QuickBooks, several accounting programs can meet your needs. Options like Zoho Books and FreshBooks offer user-friendly interfaces and outstanding invoicing features. At the same time, Xero thrives in real-time collaboration, and Sage Intacct focuses on scalability. Larger enterprises might consider NetSuite, whereas Quicken is ideal for personal finance management. Each option has unique strengths, which can help you streamline your accounting processes more effectively. Let’s explore these alternatives further. Key Takeaways Zoho Books: Offers invoicing, expense tracking, and automation tools, starting at $15/month, making it a cost-effective alternative for small businesses. FreshBooks: Tailored for freelancers with strong invoicing, time tracking, and customizable templates, priced from $21/month with a 30-day free trial. Xero: Priced from $13/month, it provides unlimited user access, customizable reporting, and integrates with over 800 third-party applications for enhanced collaboration. Sage Intacct: A user-friendly cloud solution starting at $10/month, offering customizable reporting and strong financial management capabilities for growing businesses. Quicken: Focused on personal finance management, priced between $5.99 to $10.99/month, ideal for tracking home and business expenses without advanced accounting features. Zoho Books Zoho Books is a robust accounting software designed to meet the needs of small to medium businesses by providing a wide range of features. As an accounting software alternative to QuickBooks, it offers invoicing, expense tracking, and thorough reporting tools, making it suitable for various financial tasks. With pricing starting at just $15 per month, you’ll find it affordable, especially for startups and freelancers. The free plan allows you to manage one user, one accountant, and up to 1,000 invoices annually. Zoho Books improves efficiency through automation for recurring invoices and payment reminders. It also integrates seamlessly with other Zoho applications, broadening its functionality for users already in the Zoho ecosystem. Moreover, it supports multiple currencies and tax compliance, making it a solid choice among other accounting software besides QuickBooks for businesses with international operations or diverse financial needs. FreshBooks FreshBooks stands out as a valuable accounting solution customized for freelancers and small businesses, offering pricing plans that range from $21 to $65 per month. New users can take advantage of a free 30-day trial to explore its features. Here are some key aspects of FreshBooks: Strong invoicing capabilities with customizable templates Automated reminders to guarantee timely payments Integration with Gusto for seamless payroll services Built-in time tracking to manage billable hours effectively User-friendly interface, simplifying financial management FreshBooks allows unlimited invoices across all pricing tiers, even though lower-priced plans have client limits. This flexibility makes it an excellent choice for growing businesses, as you can scale your services as needed. Users appreciate the expense tracking and receipt scanning features, which improve the overall experience of managing finances efficiently. Xero Xero offers a competitive pricing structure starting at $13 per month, making it an attractive option for businesses looking for crucial accounting features. Its key features include customizable reporting, project management capabilities, and seamless integration with over 800 third-party applications, which improve its overall functionality. As you explore user experiences, you’ll find that Xero’s cloud-based platform guarantees real-time collaboration, allowing you to access your financial data from any device connected to the internet. Pricing Structure Comparison When considering accounting software, Xero presents a competitive pricing structure that caters to various business needs. The plans are designed to accommodate different levels of complexity and scale. Here’s a quick breakdown of their pricing: Early Plan: $13/month for one user and five invoices. Growing Plan: $37/month with unlimited invoices and additional features. Established Plan: $80/month, offering advanced features like project tracking and multi-currency support. Unlimited Users: All plans include unlimited users, unlike QuickBooks, which charges per user. 30-Day Free Trial: Try Xero risk-free before committing. With integration options for over 800 third-party apps, Xero improves functionality without extra costs, making it a versatile choice for your accounting needs. Key Features Overview For businesses seeking an effective accounting solution, Xero offers a range of key features that improve financial management. Its intuitive user interface simplifies navigation, while robust reporting capabilities let you generate customizable reports to track financial performance. You’ll appreciate the unlimited user access across all pricing plans, making it perfect for mid-sized teams that need collaborative accounting tools. Xero also integrates seamlessly with over 800 third-party applications, allowing you to tailor your accounting system to fit your unique needs. Furthermore, its project tracking features enable you to manage projects effectively by reviewing stages such as draft, in progress, and complete. Pricing starts at just $13 per month, providing crucial accounting features to help you manage your finances efficiently. User Experience Insights Users often find Xero’s intuitive interface and accessibility to be significant advantages when managing their finances. The platform caters to a wide range of skill levels, making it easy for anyone to navigate. Here are some key user experience insights: Unlimited users on all pricing plans, promoting team collaboration without extra charges. Integration with over 800 third-party applications, enhancing functionality and connectivity with other business tools. Robust reporting capabilities with customizable templates for personalized financial insights. Project management features available for an additional cost, allowing tracking of project stages and profitability. A user-friendly dashboard that streamlines access to important financial data. QuickBooks Online QuickBooks Online stands out as a leading cloud-based accounting solution designed to streamline financial management for businesses of all sizes. With subscription plans starting at $35 per month, you can manage income and expenses, invoicing, and payment acceptance from any device with internet access. The platform boasts robust features like tax deduction handling, receipt and mileage tracking, and advanced capabilities in higher tiers, such as bill management, time tracking, and workflow automation. With a user rating of 4.3, it’s a popular choice, especially for businesses with full accounting departments. The software promotes real-time collaboration among team members, allowing for custom permissions and multiple logins to improve productivity. Nevertheless, be aware that QuickBooks Online‘s pricing has greatly increased over the years, with fees rising by up to 125% since 2017, leading some users to seek more cost-effective alternatives. Quicken Though QuickBooks Online serves as a strong solution for extensive business accounting, Quicken offers a more customized approach for individuals and small businesses focusing on personal finance management. Priced between $5.99 to $10.99 per month, it’s an affordable choice for managing finances effectively. With Quicken, you can benefit from: Thorough expense tracking User-friendly budgeting tools Financial report generation Rental property management features Discounts for the first year While it stands out in personal finance, Quicken lacks advanced accounting features like payroll and time tracking, making it less suited for larger businesses. Instead, it shines for users needing to track home and business expenses, providing vital tools to help you create budgets and monitor spending. If your focus is primarily on personal finance rather than complex accounting needs, Quicken could be the perfect fit for you. NetSuite NetSuite streamlines your accounting processes through automation, which can greatly reduce manual tasks and errors. Its customization and scalability options cater to your business’s unique needs, whether you’re a midsized company or a large enterprise. This flexibility, combined with advanced reporting features, can help you gain valuable insights into your financial performance. Automated Accounting Processes In the domain of automating accounting processes, businesses increasingly seek solutions that can handle various tasks with minimal manual intervention. NetSuite excels in this aspect by offering automation for key accounting functions, allowing you to streamline your workload effectively. Here are some notable features: Automated invoicing and bill payments Efficient tax code management Simplified journal entry processes Advanced reporting and analytics for real-time insights Seamless integration with CRM and inventory management Although NetSuite is designed for midsized businesses and larger enterprises, its complexity can be challenging for smaller organizations. Adequate training and resources are necessary to fully leverage these automated processes, ensuring you maximize the benefits while minimizing errors in your accounting tasks. Customization and Scalability Options When businesses look for accounting solutions, customization and scalability are often top priorities. NetSuite stands out in both areas, allowing you to tailor functionalities based on your specific needs. Its scalability is particularly beneficial for mid-sized to large enterprises, enabling you to adapt as your business grows without switching platforms. You can customize dashboards and reports to focus on the metrics that matter most, enhancing decision-making. Furthermore, NetSuite integrates with various third-party applications, allowing for a more cohesive workflow. Feature Benefit Custom Dashboards Tailor metrics to your needs Multi-Currency Support Ideal for global operations Third-Party Integrations Expand functionality seamlessly Sage Intacct Many small to medium-sized businesses are turning to Sage Intacct for their accounting needs. This cloud-based software offers a starting price between $10 to $25 per month, with a promotional rate of just $7.50 for the first six months. Although it includes basic accounting tools like automatic Intuit reconciliation and invoice management, additional features such as project or time tracking require paid add-ons. Here are some key features of Sage Intacct: Designed for ease of use, perfect for non-experts Offers customizable reporting for customized financial insights Strong financial management capabilities for growing businesses Scalable solutions that adapt as your business expands Focused on fundamental functionalities without overwhelming users With its robust features, Sage Intacct is an excellent choice for businesses looking for effective financial management without the complexity of more advanced software. Frequently Asked Questions What Is the Best Software to Replace Quickbooks? To find the best software to replace QuickBooks, consider your specific needs. AccountingEdge offers robust features for managing multiple companies at $20/month, potentially saving you money. Wave’s free plan is ideal if you’re on a budget. Xero provides extensive collaboration for mid-sized teams starting at $13/month, whereas FreshBooks focuses on freelancers with strong invoicing tools at $21-$65/month. Zoho Books combines affordability and functionality, starting at $15/month, making it a solid choice for small to medium businesses. Why Do CPAS Not Like Quickbooks Online? CPAs often find QuickBooks Online frustrating because of its rising subscription costs, which many deem excessive. The software’s complexity can hinder timely financial advice, as inconsistencies and reporting limitations arise. Furthermore, its cloud-based nature raises concerns about data security for sensitive information. Many CPAs likewise note a lack of crucial features, like advanced payroll management, and perceive the user interface as less intuitive, resulting in longer training times and decreased efficiency. Who Is Intuit’s Biggest Competitor? Intuit’s biggest competitor is Xero. It offers unlimited users across all its plans, which is an attractive feature for growing businesses. Moreover, Xero provides robust reporting capabilities that cater well to mid-sized teams. FreshBooks and Wave are likewise strong contenders, especially for freelancers and small businesses. FreshBooks is known for its user-friendly interface, whereas Wave stands out as a free option, making accounting accessible for very small businesses. How to Run a Business Without Quickbooks? To run a business without QuickBooks, consider using alternative accounting software customized to your needs. Look into platforms like Wave for free invoicing and expense tracking, or Xero for its project management capabilities. FreshBooks offers user-friendly options for freelancers, whereas Zoho Books provides extensive automation features at a competitive price. Evaluate these choices based on your business size and requirements to guarantee smooth financial operations without relying on QuickBooks. Conclusion In conclusion, choosing the right accounting program depends on your specific business needs. Options like Zoho Books and FreshBooks offer simplicity and efficiency for smaller operations, whereas Xero and Sage Intacct provide advanced features for growing companies. If you need scalability, NetSuite is a strong choice, while Quicken suits personal finance management. QuickBooks Online remains a popular choice, but exploring these alternatives can help you find the best fit for effective financial management and reporting. Image via Google Gemini This article, "7 Accounting Programs Similar to QuickBooks" was first published on Small Business Trends View the full article

The recent overhaul of Venmo’s app offers small business owners an opportunity to tap into a dynamic financial ecosystem. As the digital payment landscape evolves, the newly redesigned Venmo not only enhances user experience but also provides essential tools for businesses to connect with customers in a more meaningful way. In a major reconstruction since its launch, Venmo has taken direct feedback from users to tailor its offerings. Alexis Sowa, Head of Consumer Financial Services at Venmo, emphasized, “We built this for our customers, bringing the right products and features front and center in the moments that are most relevant to them.” This approach underscores the app’s commitment to personal financial empowerment and community engagement. Small business owners can leverage the updated platform which promises a more personalized experience. The app now features enhanced social sharing capabilities, allowing users to recommend local businesses and share purchases through their networks. For example, a consumer who enjoys a meal at a local restaurant can effortlessly broadcast that experience to friends, creating organic marketing opportunities for business owners. The new Venmo application is designed to feel fresh and modern while still focusing on essential financial functions such as managing spend, sending money, and maximizing cash flow. Notably, the app introduces “Venmojis” and customizable GIFs to personalize user transactions, transforming mundane exchanges into memorable social events. This aligns with small businesses’ need for community-building and fostering brand loyalty. Key benefits of the new Venmo experience include: Enhanced Discovery: Customers can explore local favorites through recommendations from friends, offering a trust-based endorsement that could drive foot traffic to small businesses. Personalization: Venmo now delivers tailored discounts and cashback offers based on users’ preferences and spending habits, providing businesses with the potential to attract repeat customers. Control Over Privacy: Users can manage their privacy settings easily, ensuring that they feel secure when sharing their transactions, which is crucial for building trust in financial interactions. The app also introduces functional improvements. Features like group payments, gifting, and scheduled transactions are now easier to find. This can simplify financial interactions, making it more attractive for users to engage with small businesses. For instance, if a small business promotes a special group event or a limited-time offer through Venmo, they could potentially see increased sales by making it easy for customers to pay as a group. While these updates present numerous advantages, small business owners should also consider potential challenges. The importance of online visibility means that businesses must work to ensure they stand out in a crowded marketplace. Furthermore, with the emphasis on social sharing, owners need to be mindful of managing their brand reputation continuously online. Adapting to these changes may require some training for business staff, as they become familiar with using Venmo’s new features effectively. However, the potential for increased customer engagement and sales may well outweigh the initial learning curve. As the new feed experience gradually rolls out, Venmo promises to continue evolving based on user feedback. The platform expects to introduce additional features in the coming months, focusing on money management tools and rewards to help users optimize their financial habits. As Venmo expands its role as a comprehensive financial app, small business owners should stay informed on these developments. Keeping up with the app’s evolution may unlock new avenues for growth and customer engagement, solidifying Venmo as a key player in their business strategy. For more information on Venmo’s updates, you can read the full press release at PayPal’s newsroom here. Image via Google Gemini This article, "Venmo Overhauls App: New Features Enhance Personalization and Sharing" was first published on Small Business Trends View the full article

The recent overhaul of Venmo’s app offers small business owners an opportunity to tap into a dynamic financial ecosystem. As the digital payment landscape evolves, the newly redesigned Venmo not only enhances user experience but also provides essential tools for businesses to connect with customers in a more meaningful way. In a major reconstruction since its launch, Venmo has taken direct feedback from users to tailor its offerings. Alexis Sowa, Head of Consumer Financial Services at Venmo, emphasized, “We built this for our customers, bringing the right products and features front and center in the moments that are most relevant to them.” This approach underscores the app’s commitment to personal financial empowerment and community engagement. Small business owners can leverage the updated platform which promises a more personalized experience. The app now features enhanced social sharing capabilities, allowing users to recommend local businesses and share purchases through their networks. For example, a consumer who enjoys a meal at a local restaurant can effortlessly broadcast that experience to friends, creating organic marketing opportunities for business owners. The new Venmo application is designed to feel fresh and modern while still focusing on essential financial functions such as managing spend, sending money, and maximizing cash flow. Notably, the app introduces “Venmojis” and customizable GIFs to personalize user transactions, transforming mundane exchanges into memorable social events. This aligns with small businesses’ need for community-building and fostering brand loyalty. Key benefits of the new Venmo experience include: Enhanced Discovery: Customers can explore local favorites through recommendations from friends, offering a trust-based endorsement that could drive foot traffic to small businesses. Personalization: Venmo now delivers tailored discounts and cashback offers based on users’ preferences and spending habits, providing businesses with the potential to attract repeat customers. Control Over Privacy: Users can manage their privacy settings easily, ensuring that they feel secure when sharing their transactions, which is crucial for building trust in financial interactions. The app also introduces functional improvements. Features like group payments, gifting, and scheduled transactions are now easier to find. This can simplify financial interactions, making it more attractive for users to engage with small businesses. For instance, if a small business promotes a special group event or a limited-time offer through Venmo, they could potentially see increased sales by making it easy for customers to pay as a group. While these updates present numerous advantages, small business owners should also consider potential challenges. The importance of online visibility means that businesses must work to ensure they stand out in a crowded marketplace. Furthermore, with the emphasis on social sharing, owners need to be mindful of managing their brand reputation continuously online. Adapting to these changes may require some training for business staff, as they become familiar with using Venmo’s new features effectively. However, the potential for increased customer engagement and sales may well outweigh the initial learning curve. As the new feed experience gradually rolls out, Venmo promises to continue evolving based on user feedback. The platform expects to introduce additional features in the coming months, focusing on money management tools and rewards to help users optimize their financial habits. As Venmo expands its role as a comprehensive financial app, small business owners should stay informed on these developments. Keeping up with the app’s evolution may unlock new avenues for growth and customer engagement, solidifying Venmo as a key player in their business strategy. For more information on Venmo’s updates, you can read the full press release at PayPal’s newsroom here. Image via Google Gemini This article, "Venmo Overhauls App: New Features Enhance Personalization and Sharing" was first published on Small Business Trends View the full article

Celebrated tech banker lost influence over Elon Musk’s blockbuster listing amid stint in The President administrationView the full article

We all get enough spam messages these days that we can avoid the obvious scams: If an unknown number texts you asking for money, or a spammy email address warns you about a computer virus, you'll likely delete them and move on. But if the message comes from a company you trust, like Microsoft, with a legitimate email address at that, you wouldn't be blamed for assuming that email was real. In this specific case, however, it's not, and you should be wary when interacting with it. As reported by TechCrunch's Zach Whittaker, scammers are sending emails from a legitimate internal Microsoft email address: msonlineservicesteam@microsoftonline.com. Microsoft uses this address to send a host of important messages, like two-factor authentication (2FA) codes, as well as other PSAs about user accounts. If you receive an email with this address, and look it up online, you'll find it's real, which might convince you that the email itself is real as well. In his report, Whittaker highlighted how he received multiple emails from this email address. According to Whittaker, the messages themselves were pretty crudely constructed, with spammy links in the body. Some of the emails had subject lines purporting fraudulent activity on Whittaker's Microsoft account, while others said Whittaker had "[one] new private message," and that he needed to "verify access account email verification code account email verification code." Right. Even if the scammers aren't running great copy on their subject lines and emails, they're sophisticated enough to send messages from legitimate Microsoft email addresses, which increases the chances that people will fall for these scams—even if the emails are poorly made. Microsoft didn't comment when TechCrunch reached out, but did confirm they received the request. To be fair, while it's not clear how scammers are achieving this, Microsoft is not the only company dealing with this type of scheme. Earlier this year, Betterment had a similar issue with abuse of the third-party system it uses for customer communications. Namecheap, a domain registrar, also has issues with scammers abusing its legitimate email addresses. How to spot fake emails from legitimate addressesChecking the email address of a suspicious message is often the first step in determining its legitimacy, so the fact that scammers can take over these addresses might seem daunting. But there are plenty of other tells you can look out for to avoid falling victim to these phishing emails. First, while the address might be legit, scammy links likely aren't. Hover your cursor over the hyperlinks in the email to reveal the URL. If you see shortened links, or lengthy, jumbled URLs, assume the worst. Be critical of how the email is constructed as well. If there are spelling or grammatical errors in the subject line or body, or if the overall design doesn't align with the standards of the company in question, it's likely fraudulent. View the full article

With the 10-year Treasury yield at levels not seen in 52 weeks, the 30-year fixed rate mortgage rose 15 basis points over last Thursday, Freddie Mac said. View the full article

More than 30 states across the country have had at least one case of someone sick with Salmonella so far in 2026. Many of those cases are believed to be caused by contact with outdoor poultry, like ducks and chickens. But separately, there’s also been a wave of food recalls for Salmonella contamination, tied to milk powder used in snack seasoning. Salmonella isn’t an uncommon bacteria; each year, the U.S. sees some 1.35 million Salmonella infections, according to the Centers for Disease Control and Prevention (CDC). Most of those stem from food. If it seems like Salmonella is becoming more common, though, there are a few reasons why—related to how we detect such outbreaks, and how climate change affects our environments. Better outbreak detection One reason you may notice more Salmonella recalls or news about infections is that we’ve simply gotten better at detecting outbreaks, even in the last decade, says Craig Hedberg, an epidemiologist and professor at the University of Minnesota’s School of Public Health. Advances in laboratory practices mean food safety experts can “fingerprint” the bacteria, which helps identify when two Salmonella cases might be related to each other—even if they’re far apart. Scientists do this through whole genome sequencing, analyzing samples from people who have gotten sick with Salmonella and linking cases together. But we only started using whole genome sequencing for salmonella surveillance as a nation as of 2019. “That has really improved our ability to detect outbreaks,” Hedberg says. Each state does this and then gives their data to the CDC, which looks for clusters of related cases and then investigates the source. Salmonella Typhimurium More frequently asked questions To do those investigations, officials interview people who have been infected to find commonalities, like if they’ve had contact with any backyard chickens, for example. “Every year, we’re having outbreaks associated with people getting young chickens or other water fowl [like ducks],” Hedberg says. “Those practices started to get more common particularly around COVID. People started to get more interested in having their own egg source in their backyard.” As public health officials learn about more Salmonella sources, they also ask about them more frequently when investigating cases. So with Salmonella from backyard poultry, Americans’ behavior may be changing, but public health officials are also more attuned to this source. “Some things became more common. But we also became more aware that those were potential problems,” Hedberg says, “so they get high on the list of suspicious activities that we wanted to make sure we were asking about.” More ingredients means more risk Separately from the backyard poultry-related outbreaks, there’s been a recent wave of recalls for Salmonella contamination in foods from Kroger’s cheese garlic croutons to Williams Sonoma’s white cheddar Fireworks popcorn to Ghirardelli’s powdered drink mixes. These cases are all tied to a common source: powdered milk from California Dairies, which is often an ingredient in flavorings. Regulatory agencies are often sampling products for outbreaks. But these recalls seem so widespread because the same flavoring ingredients could be in dozens or hundreds of consumer products. “If you identify contamination early in the distribution process, then we may see a whole series of recalls occurring,” Hedberg says. “As they figure out more of what products could have contained that contaminated milk powder, [the scope of recalls] continues to increase.” This has happened before; a 2008 Salmonella outbreak was tied to peanut butter and peanut paste. Because that peanut paste was then an ingredient in all sorts of other food products, there ended up being thousands of different products recalled. “We have a lot of food items that contain a lot of ingredients, and the more ingredients you put into food, the more there are opportunities that something with one of the ingredients could be a problem,” he adds. Unsplash The role of climate change These are examples of the things that have made Salmonella contamination more visible. But “whether the problem of Salmonella is increasing or not is more difficult to really put a good answer to,” Hedberg says, “partly because there are so many different possible sources.” Salmonella infections have been linked to chicken, pork, beef, turkey, fruit, vegetables, and nuts. But “any food can become contaminated, even processed foods (such as flour),” the CDC notes. Outside of food, Salmonella has also been linked to lizards (like pet chameleons), aquatic invertebrates, farm animals, and wildlife. And in the background of all this is the fact that climate change is potentially a contributing factor. “Salmonella are bacteria that grow when it is warmer out, and so you can have enhanced survival in the environment, and more rapid amplification, along certain transmission routes,” Hedberg says. Broadly, climate change is altering the populations of all sorts of bacteria, and intensifying infectious diseases. (As the Earth warms, bacteria also produce more CO2, worsening climate change in a feedback loop.) A 2025 study found that climate change is amplifying pathogen evolution, and even antimicrobial resistance, for everything from cholera to E. coli to Salmonella. That increase isn’t just from hotter temperatures, though. It’s also exacerbated by heavy rainfall, and climate change is fueling heavier, and more intense rain. Heavy rain and flooding can spread Salmonella by moving the bacteria around an environment. In an area with a lot of cattle, for example, fresh produce is also often grown nearby. “The manure from the cattle could move in the environment by way of water,” Hedberg says. “Intense rainfall events can facilitate some of that.” Generally, climate change disrupts all our normal production cycles, whether because of flooding or even drought. That makes it more challenging for farmers to maintain their usual planting and harvesting schedules, and that opens up room for problems. “Every time you start disrupting normal systems, you increase the likelihood that something can go wrong,” Hedberg says. Hand washing, proper food storage, and a funded public health system To mitigate this, Hedberg suggests separating animals from produce. But it will always be a challenge, he adds, “because we’re growing fresh produce out in nature, and nature is incredibly complex.” When it comes to Salmonella broadly, he encourages people to be aware of the potential for infection anytime they bring food into their homes. That means properly preparing, storing, and cooking foods, and washing your hands. Salmonella infections are more common in the summer, the CDC notes, again because warmer weather creates ideal conditions for the bacteria to grow. Experts encourage people to refrigerate or freeze their perishables to reduce that risk. And outside of personal behavior, we need to ensure we have a strong public health system across the country, including maintaining its funding and regulations. The The President administration has attacked our public health system, gutting CDC staff and funding for public health programs. The Food and Drug Administration (FDA) is currently undergoing a leadership restructuring. Disease surveillance costs money, and any threat to public health agencies, Hedberg says, “represents a threat to our ability to conduct surveillance, and that surveillance is really important for prevention.” “The instability in the system itself is a potential risk for letting things slip through the cracks,” he adds, “and potentially undermining the safety of our food systems.” View the full article