ResidentialBusiness

Apple’s Tim Cook isn’t the only well-known tech CEO stepping away from the chief executive role this year. Now, the founder and CEO of Dropbox (Nasdaq: DBX), Drew Houston, has announced he is making a similar move at the company he is synonymous with. Here’s what you need to know about Houston’s departure from the chief executive role and how investors are reacting to the news. What happened? Today, Houston announced he will be retiring from the chief executive role at the cloud storage provider. Houston has been with Dropbox in the role since he founded the company in 2007. It’s hard to understate how revolutionary a cloud storage solution like Dropbox was 19 years ago, when Houston brought online cloud storage to the masses. Before Dropbox, the standard way most users transferred files between their devices was by using external hard drives or USB sticks, or emailing files to themselves. Dropbox proved there was an easier way to transfer files: using the burgeoning cloud. The technology was simple and reliable to use: Add a file to your Dropbox, and it was available nearly instantly on all your devices. That ease quickly made Dropbox a Silicon Valley darling and a popular platform with everyday internet users. Of course, since then, online storage and file sharing have become integrated into nearly every major internet platform, with Dropbox now facing stiff competition from the likes of Google Drive, Apple iCloud, and Microsoft OneDrive. Still, the progenitor of the online storage and file-sharing space has a large user base even today. The company says that Dropbox has 700 million global registered users, of which more than 18 million are paid users. For its most recent quarter ending March 31, Dropbox reported $629.5 million in total revenue. Why is Dropbox’s founder stepping aside? It should be noted that Houston is not departing his CEO role yet. Though the Dropbox founder announced his departure from his chief executive role today, it will not occur until later. Houston did not give a date when the departure would actually happen. And once it does, he will stay on at Dropbox as executive chairman. What has happened today is that Houston is no longer Dropbox’s sole CEO. Now Houston’s title is co-CEO, and he shares that role with the company’s other newly appointed co-CEO, Ashraf Alkarmi. Alkarmi’s previous role was product chief; he has been with the company since 2024. After a transition period in which the two co-CEOs lead the company together, Houston will become executive chairman, leaving Alkarmi as the company’s sole CEO. In an email to employees that Dropbox later published on its website, Houston did not say why he was changing his role, but alluded to his interest in artificial intelligence. “My focus right now is making sure Dropbox is in the strongest possible shape,” Houston wrote. “But knowing me, it won’t be long before I’m getting credit card alerts for my Cursor token spend.” The Dropbox founder told CNBC that he is interested in the entrepreneurial AI space because “there’s never been a more exciting period to be building things.” Dropbox stock drops on Houston’s upcoming departure After news of Houston’s departure was announced, shares in Dropbox fell in early morning trading. Later, DBX shares were trading down about 2.3% to $26.80. That puts Dropbox stock firmly in the red, year to date. Since 2026 began, Dropbox’s shares have declined about 2.95%. Over the past 12 months, DBX shares have been down about 5.6%. They are also well below their all-time high of over $43 per share in June of 2018, months after the company went public. Dropbox, like most software-as-a-service companies, has been facing increased pressure and apprehension from investors in the age of AI, which many expect to eat into the business models of legacy SaaS companies. In the first quarter of 2026, Dropbox reported $629.5 million in total revenue, up just 0.8% from the previous year. However, despite Dropbox’s most recent lackluster quarter and stock price, Houston will be stepping aside at a company that made history on the stock market. Dropbox was the first company from the Y Combinator startup accelerator to go public, which it did in 2018. At the time, Dropbox was valued at around $12 billion. Today, the company is valued at around $6.2 billion. View the full article

Luce launch comes as executives are divided over demand for luxury electric cars View the full article

The promise of frontier AI has always sounded like a utility: abundant intelligence, available on demand, as easy to access as electricity, water, or cloud computing. The metaphor is powerful, and for good reason. Utilities scale because they abstract complexity away. You don’t need an engineer from the power company sitting in your office every time you turn on the lights. And yet, the most sophisticated AI companies in the world are increasingly doing something very different: They are sending people. OpenAI recently announced the OpenAI Deployment Company, explicitly designed to embed forward deployed engineers (FDE) inside organizations working on complex problems in demanding environments. These engineers, according to OpenAI, will work with business leaders, operators, and frontline teams to identify where AI can make the biggest impact, redesign workflows, and turn those gains into durable systems. Anthropic is hiring FDEs for its applied AI team, people who embed directly with strategic customers to drive enterprise adoption and ship real-world applications. And Google is doing the same. Is that a coincidence? That is revealing. Because if intelligence were already a true utility, this would not be necessary. You would not need to send your own engineers to every customer to make the faucet work. The paradox of AI as a utility This is the paradox at the heart of the current enterprise AI model: The industry speaks the language of scale, abundance, and platforms, but its delivery model increasingly resembles high-end consulting. That does not mean the work is unimportant. Quite the opposite. Forward deployed engineers are often solving the real problem: taking frontier models out of the demo environment and making them function inside messy, regulated, fragmented organizations. They deal with permissions, legacy systems, compliance, data quality, workflows, operational constraints, and all the things that make companies different from benchmarks. But that is precisely the point. The need for these people is not merely a commercial innovation. It is a symptom. It tells us that the product, as currently packaged, is not yet enough. In the previous articles in this series, I argued that large language models were never built to run a company, that enterprise AI must move from tools to systems, and that the systems that finally work will not look like chatbots or copilots, but like intelligence embedded into the organization itself. The FDE phenomenon confirms that argument from the vendor side. If the AI lab has to send engineers to reconstruct context, redesign workflows, and make the system operate under real constraints, then the missing layer is not imagined. It is sitting there, being supplied manually. The preplatform pattern Every major technology industry goes through an artisanal phase before it becomes industrial. Before enterprise software became packaged, implementation was bespoke. Before cloud platforms became mature, companies needed armies of specialists to configure infrastructure. Before the web stabilized around browsers, standards, hosting providers, content management systems, analytics, and design conventions, building a website required far more custom work than it later would. Forward deployed engineering belongs to that same historical pattern. Palantir popularized the model years ago. Its own description of the forward deployed software engineer role is based on engineers working directly inside customer environments to make software function in operational reality. That model made sense for Palantir because its customers often had extremely complex, high-stakes, highly specific environments. But when OpenAI and Anthropic begin to converge on similar patterns, the signal is different: the frontier AI industry is discovering that models alone do not cross the enterprise gap. That does not make FDEs a failure. It makes them a transitional form. They are what appears before a category has found its true platform layer. SAP does not send SAP employees to every customer This is where the comparison with mature enterprise software becomes useful. SAP does not scale by sending SAP employees into every customer. It has a vast partner ecosystem. Salesforce does not implement every customer itself. It has AppExchange, now evolving into AgentExchange, and a large ecosystem of partners, independent software vendors, and systems integrators. The platform company creates the substrate; the ecosystem industrializes delivery. That distinction matters. When the vendor itself has to supply the scarce human expertise required to make the product work, the category is still immature. When partners, integrators, templates, standards, and repeatable architectures take over, the category begins to scale. This is why the current FDE wave should be read carefully. It is not proof that frontier AI has become a platform. It is proof that it has not yet become one. A true platform reduces the need for bespoke intervention. A preplatform product depends on it. The business model trap There is another problem, and it is more subtle: Once forward deployed engineering becomes a source of revenue, prestige, customer lock-in, and strategic proximity, it becomes harder for the vendor to eliminate it. The very people solving the product’s incompleteness can become part of the business model that depends on that incompleteness. This is classic innovator’s dilemma territory. Clayton Christensen’s argument was that successful companies often struggle not because they fail to see the future, but because their existing business models make the future unattractive or cannibalistic. In this case, the dilemma is simple: If a frontier AI company builds the layer that makes deployments repeatable, modular, and partner-scalable, it may undermine the bespoke, high-touch model that currently brings it close to the largest customers. That is why the real platform may not come from inside the companies training the models. It may come from another layer. The missing layer is not another model The temptation, as always, is to assume that the answer is a better model. A larger model. A more agentic model. A model with longer context, more tools, more memory, more reasoning traces, and more autonomy. But the FDE model suggests something else. If engineers are being sent into customers to map workflows, understand constraints, connect systems, structure context, govern access, and turn AI outputs into operational outcomes, then the missing piece is not simply intelligence. It is architecture. More specifically, it is the layer that turns company reality into something AI systems can operate within: persistent context, process structure, permission models, constraint management, feedback loops, workflow state, business semantics, and outcome tracking. Today, that layer is often reconstructed manually by expert engineers on each deployment. Tomorrow, it will have to become infrastructure. That is the real opportunity. Why this is really BPR with agents This also connects directly to the return of business process reengineering (BPR). In 1990, Michael Hammer’s famous Harvard Business Review article, “Reengineering work: Don’t automate, obliterate,” argued that companies should not use technology merely to speed up outdated processes. They should redesign the processes themselves. The idea was right, but in many cases the technology of the time was not yet capable of supporting the ambition. AI changes that, but it also makes the problem more demanding. If companies merely insert AI into existing workflows, they get faster versions of obsolete processes. If vendors merely send engineers to customize each deployment, they get artisanal transformation that does not scale. The real breakthrough comes when the redesign itself becomes systematized: when business processes are not just automated, but represented, governed, adapted, and optimized continuously. That is the point at which enterprise AI stops being a consulting engagement and starts becoming a platform. The FDE is the clue This is why the forward deployed engineer is so interesting. The FDE is not the future of enterprise AI. The FDE is the clue that the future has not fully arrived. The role exists because current systems still require humans to bridge the gap between general AI capability and specific organizational reality. Someone has to translate the company into the machine. Someone has to interpret constraints. Someone has to determine which workflows matter. Someone has to connect data, process, action, and outcome. But history suggests that once a repeatable layer appears, the artisan becomes less central. Web consultants did not disappear after the web matured. But “build me a website” stopped being a mysterious custom engineering problem for most organizations. Enterprise resource planning (ERP) consultants did not disappear after SAP matured. But the ecosystem became standardized enough that the vendor did not need to personally deploy the product everywhere. Cloud architects did not disappear after Amazon Web Services (AWS) became a platform. But infrastructure became programmable, repeatable, and scalable. The same thing will happen here: Forward deployed engineers will not vanish. But if enterprise AI becomes a real platform category, they will become exceptional rather than foundational. The real test of a platform The test is simple: Can the system work without sending the lab? Can it understand the company without a bespoke mapping exercise every time? Can it operate under constraints without manual reconstruction? Can it adapt to workflows without a team of engineers sitting inside the customer? Can partners build on it? Can customers configure it? Can it scale beyond the handful of enterprises that can afford white-glove deployment? Until the answer is yes, we should be honest about what is being sold. It is not AI on tap. It is AI on tap, with plumbers included. And that is fine, for now. Every category has its artisanal phase. The mistake is confusing that phase with the destination. What comes next The next stage of enterprise AI will not be defined by who has the most impressive model or the largest deployment team. It will be defined by who builds the layer that makes those deployment teams less necessary. That layer will not merely answer questions. It will represent the company. It will encode processes, constraints, permissions, memory, and outcomes in ways that AI systems can actually use. It will allow models to operate inside the business rather than hover above it. It will turn bespoke deployment into repeatable architecture. When that happens, the current FDE boom will look obvious in retrospect—not as the final form of enterprise AI, but as the bridge between demos and platforms. And when the real platform layer appears, the industry will change very quickly. Because utilities do not scale by sending engineers to every sink. They scale when the plumbing is already there. View the full article

A small business tax extension allows you to postpone your tax return filing by up to six months, providing extra time to prepare your documents. Nevertheless, it’s essential to understand that this extension doesn’t delay your payment deadline for any taxes owed. To apply, you’ll need to complete IRS Form 7004 and submit it by your original due date. Knowing the ins and outs of this process can save you from penalties, so let’s explore how to navigate this effectively. Key Takeaways A small business tax extension allows extra time to file tax returns, typically six months, but does not extend payment deadlines for taxes owed. To apply, complete and submit IRS Form 7004 by the original tax return due date. Estimated tax payments must be made by the original due date to avoid penalties, even if an extension is filed. S corporations and partnerships must file by March 15, while C corporations have an April 15 deadline. Consider hiring tax professionals for assistance with extensions and accurate tax estimations to minimize liabilities and avoid penalties. Understanding Small Business Tax Extensions When you’re maneuvering the intricacies of small business taxes, grasping tax extensions can be vital for your financial planning. A small business tax extension allows you to file your tax returns later than the original due date, typically granting an additional six months. To secure this extension, you must file the IRS Form 7004 by the original deadline of your tax return. It’s important to keep in mind that although this extension gives you extra time to file, it doesn’t extend the deadline for any tax payments you owe. Estimated taxes are still due by the original due date to avoid penalties and interest. For instance, S corporations and partnerships must meet their deadlines by the 15th day of the third month after their tax year ends, whereas C corporations have until the 15th day of the fourth month. Recognizing these details can help you navigate your tax obligations more effectively. How to Apply for a Tax Extension To apply for a tax extension, you’ll need to gather all required documents to guarantee a smooth process. Next, complete IRS Form 7004 and make certain to submit it before your original tax return deadline. Gather Required Documents Gathering the required documents is a crucial step in applying for a small business tax extension. You’ll need accurate financial records to guarantee your application goes smoothly. Here’s a quick checklist: Document Type Purpose Profit and Loss Statement Shows overall business earnings Balance Sheet Displays assets and liabilities Prior Year Tax Returns Helps with accurate estimates IRS Form 7004 Required form for extension request Make sure to estimate your taxes owed, as payment must be submitted by the original due date to avoid penalties. If you’re filing electronically, you can e-file Form 7004 online through the Modernized e-File (MeF) platform for an automatic extension. Complete Form 7004 Completing IRS Form 7004 is essential for small businesses seeking an automatic extension to file their tax returns. Here’s what you need to know: Form 7004 allows an extension of six months to file your tax return. You must file 7004 electronically for convenience via the Modernized e-File platform. Accurately estimate your taxes owed, as the extension doesn’t extend the payment deadline. Submit Form 7004 by the original due date to avoid penalties. Note that certain exceptions apply, such as foreign corporations without a U.S. presence. Submit Before Deadline When seeking a tax extension for your small business, it’s important to submit IRS Form 7004 before the original due date of your tax return to avoid penalties. This extension grants you an additional six months to file, moving the deadline to October 15 for calendar-year taxpayers. Nevertheless, keep in mind that you must estimate and pay any taxes owed by the original due date, as the extension applies only to filing, not payment. To simplify the process, you can file 7004 online through the IRS Modernized e-File (MeF) platform. Make sure you gather all necessary financial documents beforehand for accurate completion later. Deadline Action Required Notes Original Due Date Submit Form 7004 Avoid penalties October 15 File your tax return After extension granted Before Due Date Estimate and pay taxes Payment not extended Important Forms: Form 7004 Form 7004 is a vital tool for small businesses seeking an automatic extension to file their tax returns. This form is important for various business entities, including corporations, partnerships, and multiple-member LLCs. Here are key points to remember about Form 7004: It grants an additional six months to file your tax return. The form must be filed by the original due date of the tax return. Filing Form 7004 doesn’t extend the time to pay taxes owed. Corporations, partnerships, and S corporations must use Form 7004. You can e-file Form 7004 through the IRS Modernized e-File (MeF) platform for convenience. Using Form 7004 helps guarantee you meet your filing obligations without the stress of a looming deadline. Just remember to make your estimated tax payments on time to avoid penalties. Key Deadlines for Tax Extensions Grasping key deadlines for tax extensions is vital for small business owners looking to manage their finances effectively. To qualify for an extension, you must file your tax extension request using IRS Form 7004 by the original due date of your return. For S corporations and partnerships, the deadline is the 15th day of the 3rd month after your tax year ends, typically March 15 for calendar-year taxpayers. C corporations face a deadline of April 15, the 15th day of the 4th month following their tax year end. If you receive an extension, you typically have an additional six months to file, giving you more time to prepare your returns. Nonetheless, bear in mind that estimated tax payments must still be made by the original due date to avoid penalties, regardless of whether you file the 1120s extension form. Staying on top of these deadlines is fundamental for smooth financial operations. Estimated Tax Payments and Penalties When you file for a tax extension, it’s still essential to make your estimated tax payments by the original due date to steer clear of penalties. If you’re part of an S corporation or partnership, calculate your payments based on expected income and remember they’re due by the 15th day of the third month after your tax year ends. C corporations face a similar deadline, with payments due by the 15th day of the fourth month, and failing to pay on time can lead to significant penalties on any unpaid taxes. Importance of Estimated Payments Comprehending the importance of estimated payments is crucial for small business owners, as failing to make these payments by the original due date can lead to costly penalties and interest on any unpaid taxes. Estimated payments must be made even when extensions are filed. S corporations and partnerships face penalties up to 25% for underpayment. The failure-to-pay penalty is 0.5% per month on unpaid taxes, capped at 25%. Accurate tax estimation prevents significant penalties, including 5% for late returns. Timely payments avoid financial repercussions like interest accrual and extra penalties. Knowing where to file 7004 can help you manage extensions better, but remember, timely estimated payments are critical to avoiding unnecessary costs. Consequences of Underpayment Underestimating your tax obligations can lead to significant penalties that impact your bottom line. If you fail to accurately estimate your taxes owed, you could face penalties of 0.5% per month on unpaid taxes, reaching up to 25% for S corporations. Partnerships and S corporations must file their returns by the 15th day of the 3rd month after the tax year ends; otherwise, penalties may apply. Even filing an extension for 1065 doesn’t exempt you from making estimated tax payments by the original due date. Furthermore, if you file late without a tax due, expect a $255 penalty per shareholder monthly. It’s crucial to keep track of your estimated payments to avoid accruing interest on any unpaid balance. Pros and Cons of Filing an Extension Filing a small business tax extension can be a strategic decision that offers both advantages and drawbacks. Here are some pros and cons to take into account for an S corp extension: More time to guarantee accurate and complete tax returns. Reduced risk of needing to file an amended return later. Opportunity to gather necessary documents and consult with accountants. Access to potential penalties for late filing, as the failure-to-file penalty can reach up to 25%. Possible delays in obtaining business loans or grants, since recent tax returns are often required. While a small business tax extension provides you with an additional six months for filing, keep in mind that it doesn’t extend the deadline for tax payments. To avoid interest and penalties, you must still pay your taxes by the original due date. Balancing these factors will help you make an informed decision about your S corp extension. Special Considerations for Different Business Entities When traversing the tax extension process, it’s important to recognize that different business entities have unique requirements and deadlines. Sole proprietorships and single-member LLCs need to file IRS Form 4868 to request an extension, whereas corporations, partnerships, and multiple-member LLCs should use Form 7004. S corporations and partnerships face a filing deadline on the 15th day of the 3rd month after the tax year ends, whereas C corporations must file by the 15th day of the 4th month. Filing Form 7004 grants an additional six months to submit returns but doesn’t extend the deadline for paying any estimated taxes owed. Late filing can lead to hefty penalties. For instance, S corporations and partnerships incur a 5% penalty on unpaid taxes each month, whereas C corporations face a 0.5% penalty, both capped at 25%. Grasping these specifics is essential for compliance and avoiding unnecessary costs. Seeking Professional Help for Tax Extensions Maneuvering the tax extension process can be challenging, so seeking professional help is often a wise decision for small business owners. A tax professional can streamline the process and help you avoid common pitfalls. Here are some key benefits of hiring one: They know the IRS Form 7004 requirements and can guarantee timely submission. They assist in accurately estimating taxes owed to avoid underpayment penalties. Engaging a professional lets you focus on your business operations. They can identify potential deductions and credits to minimize your tax liabilities. They provide guidance on compliance with federal and state regulations. Additionally, if you’re unsure where to mail Form 7004, a tax professional can direct you accordingly, ensuring your submission reaches the right department. Resources for Small Business Owners How can small business owners effectively steer through the intricacies of tax extensions? First, utilize the IRS website, which offers detailed instructions on how to e-file Form 7004 for an additional six months to file your tax returns. You’ll also find helpful resources for small business owners, including online tools and publications like Publication 538, which explain accounting periods and methods to guarantee compliance with tax regulations. Don’t forget to check your state revenue department‘s website for specific tax extension guidelines, as many states accept the federal extension form for state tax purposes. Organizations like the Small Business Administration (SBA) provide valuable guidance on managing tax obligations and comprehending extensions. Furthermore, tax professionals and services such as Block Advisors and TaxAct can assist you in steering through tax extension applications and preparing your taxes effectively, making sure you meet your obligations accurately and on time. Frequently Asked Questions How Do I File an Extension for a Small Business? To file an extension for your small business, complete IRS Form 7004. You need to submit this form by your tax return’s original due date to avoid penalties. Remember, an extension gives you more time to file, not to pay your taxes. Estimated taxes still must be paid on time. You can e-file Form 7004 through the Modernized e-File platform for convenience. Stay informed to manage your tax responsibilities effectively. How Much Does It Cost to File a Business Tax Extension? Filing a business tax extension is free, but you need to estimate and pay any taxes owed by the original due date to avoid penalties that can accrue at 0.5% per month on unpaid taxes. During there aren’t direct costs for the extension itself, missing timely payments can lead to significant financial repercussions. If you seek help from tax professionals, be aware that their fees can vary based on your business’s tax complexity. What Qualifies You for a Tax Extension? To qualify for a tax extension, you need to file IRS Form 7004 by your original business tax return due date. Most entities, like S corporations and partnerships, can use this form. Remember, a tax extension gives you six extra months to file, but you still must pay any owed taxes by the original deadline. Certain situations, such as natural disasters, might grant automatic extensions without needing to file Form 7004. How Does an LLC File for an Extension? To file for an extension as an LLC, you need to submit IRS Form 7004 by your tax return’s original due date, usually the 15th day of the third month after your tax year ends. This form grants you an automatic six-month extension to file. Conclusion In conclusion, a small business tax extension can provide you with valuable extra time to file your tax returns, but it’s essential to keep in mind that it doesn’t extend the deadline for payment of taxes owed. By properly submitting IRS Form 7004, you can avoid penalties and guarantee compliance. Keep track of key deadlines and estimated payments to maintain your business’s financial health. If needed, don’t hesitate to seek professional assistance to navigate the intricacies of tax extensions effectively. Image via Google Gemini and ArtSmart This article, "What Is a Small Business Tax Extension and How to Apply?" was first published on Small Business Trends View the full article

Tax season typically opens in late January, and for 2025, it’s expected to start around January 27. This is when you can begin submitting your returns, but the deadline remains April 15 for most individuals. Key dates, such as the distribution of W-2 forms on February 2, 2026, are vital for your planning. Comprehending these timelines is fundamental, but there’s more to evaluate when preparing your taxes effectively. Key Takeaways The 2025 tax season is expected to open around January 27, 2026, according to IRS announcements. Returns can be filed after the IRS officially opens tax season. The filing deadline for individual tax returns remains April 15, 2026. Early filing is allowed through tax preparation services, but submissions wait for IRS readiness. Delays in tax season opening can impact the overall filing timeline for taxpayers. Overview of Tax Season Opening Dates When you’re preparing for tax season, it’s important to know the official opening dates set by the IRS. For the 2025 tax season, the IRS typically announces these dates in January, with previous seasons starting around late January. Even though the exact opening date for 2025 hasn’t been confirmed, it’s likely to be around January 27, based on past trends. As you wonder, “when can I file my taxes for 2025,” keep in mind that the IRS will still accept returns after this date, but preparing early is wise. TaxAct offers a convenient option to complete your tax returns ahead of time, even before the IRS opens for submissions. Although delays in the IRS opening can occur, keep in mind that the filing deadline remains April 15 for most taxpayers, so timely preparation can guarantee you’re ready to file quickly once tax season officially opens. Key Dates for Filing 2025 Taxes As tax season approaches, it’s important to stay informed about key dates for filing your 2025 taxes. Missing these deadlines can lead to unnecessary penalties or delays in processing your return. Here’s a quick reference for important dates: Date Event Notes February 2, 2026 W-2 forms distributed Make sure you receive yours on time. March 15, 2026 Partnerships and S-Corporations deadline Options for six-month extensions available. April 15, 2026 Individual tax return filing deadline Don’t forget to file! January 15, 2026 Fourth quarter estimated tax payment due Avoid penalties by paying on time. October 15, 2026 Extended deadline for C Corporations Make sure all forms are filed. Importance of Early Preparation Preparing early for tax season can considerably ease the stress of filing your taxes. When you take the time to organize your documents and gather necessary records, you set yourself up for a smoother experience. The IRS encourages you to visit IRS.gov/GetReady for tips on new tax considerations that may impact your filings. Early preparation helps you identify potential deductions and credits, maximizing your refund. Here are some key benefits of starting early: You can organize tax documents like Forms W-2 and 1099 to prevent errors. Advance work leads to quicker, more accurate filings. An IRS online account provides secure access to your tax information. You stay informed about your tax situation. You’ll reduce the likelihood of delays in receiving your refund. Consequences of Delayed Filing Failing to file your taxes by the deadline can lead to significant financial consequences that are often overlooked. If you owe taxes and file late, you could face a failure-to-file penalty of 5% of the unpaid amount for each month the return is late, capping at 25%. This penalty will compound over time, increasing the total amount you owe. Conversely, if you’re expecting a refund, you won’t incur penalties for filing late; nonetheless, you must file within three years to claim that refund. Furthermore, missing estimated tax payment deadlines can result in penalties, even if you anticipate a refund from your annual return. Although the IRS offers options for late filing depending on your situation, it’s typically best to file as soon as possible. This approach helps minimize penalties and interest, ensuring you address your tax obligations efficiently. How to Gather Necessary Documents Gathering the necessary documents for tax season can feel overwhelming, but starting early can simplify the process considerably. To guarantee accurate reporting and timely filing, it’s fundamental to collect the right paperwork. Begin by obtaining Forms W-2 from your employers and Forms 1099 from any Bank of America or other payers. Don’t forget to gather records of any digital asset transactions, as these are significant under new regulations. Organizing your tax records is imperative, so maintain a file that includes: Receipts for deductible expenses Invoices for freelance or self-employed work Bank account details for direct deposit of your refund Any relevant financial statements Information from IRS.gov/GetReady for customized checklists Estimated Tax Payments and Deadlines Regarding estimated tax payments, you need to keep an eye on the quarterly payment schedule, which typically falls on January 15, April 15, June 15, and September 15. If you expect to owe at least $1,000 in taxes for the year, making these payments on time is essential to avoid penalties. Quarterly Payment Schedule Grasping the quarterly payment schedule for estimated tax payments is crucial for individuals and businesses alike. These payments are typically due on April 15, June 15, September 15, and January 15 of the following year. If you miss a deadline, you could face penalties and interest on any unpaid amounts. Here’s what you need to know: Estimated tax payments are required for both individuals and businesses. The final payment for the 2025 tax year is due on January 15, 2026. Use IRS Form 1040-ES to calculate your estimated tax liability. Businesses may have additional deadlines based on their fiscal year. Staying organized helps avoid costly penalties and guarantees compliance with tax laws. Filing Extensions Available Taxpayers have options regarding filing extensions for their tax returns, which can help alleviate some of the stress during tax season. You can file for an extension using Form 4868, pushing your deadline to October 15, 2026. Nevertheless, keep in mind that any taxes owed are still due by the original April 15 deadline. If you’re making quarterly estimated tax payments, remember these are due at uneven intervals, with the last payment for the 2025 tax year due on January 15, 2026. Missing these deadlines can lead to penalties and interest. Additionally, if you’re in a federally declared disaster area, you might qualify for additional relief, including extended filing and payment deadlines. Penalties for Late Payments Missing estimated tax payment deadlines can lead to significant penalties and interest on unpaid amounts, creating a financial burden that many taxpayers seek to avoid. If you miss the January 15, 2026, deadline for the 4th Quarter 2025 payment, you could face penalties. Here’s what you need to know: Payments must be made by their original due dates—extensions don’t apply. The April 15, 2026, deadline for filing may incur increasing penalties over time if not met. Late filing with a refund usually incurs no penalties. If you owe taxes, interest and penalties accrue until payment. Taxpayers in federally declared disaster areas may qualify for relief, which can mitigate late payment penalties. Understanding the IRS Opening Date The IRS typically opens for tax season in late January, but the exact date for 2026 hasn’t been announced yet. Factors like major tax law changes or updates to IRS systems can cause delays, impacting how early you can file. Regardless of whether the IRS hasn’t opened, you can still prepare your returns in advance using tools like TaxAct. Typical Opening Date Every year, the IRS typically opens for tax season in late January, with the exact date revealed during that month. For 2026, the official opening date hasn’t been announced yet, but it’s likely to follow the usual pattern. In 2025, the IRS began accepting returns on January 27, which illustrates this common timeline. Keep in mind that various factors could potentially delay the opening date, such as tax law changes or updates to forms. Nonetheless, you can still prepare your returns in advance using tax preparation software like TaxAct before the IRS officially opens. Anticipate changes in tax law. Check the IRS website for updates. Prepare documents early. Consider e-filing options. Stay informed about deadlines. Factors Causing Delays Although the IRS typically aims to open tax season in late January, various factors can lead to delays in this timeline. Significant tax law changes, like those from the One Big Beautiful Bill (OBB), may require the IRS to update forms and systems, pushing back the opening date. It’s essential for you to prepare your returns in advance, even if the IRS hasn’t officially opened, as early filing is permitted through tax preparation services like TaxAct. Nevertheless, keep in mind that you can’t submit your returns until the IRS is ready, which might result in longer processing times for early filers. In spite of potential delays in the opening, tax filing deadlines, such as the April 15 deadline for individual income tax returns, usually remain unchanged. How a Late Opening Affects Taxpayers When the IRS announces a late opening, it directly impacts how taxpayers approach their filing process. You can’t submit your returns until the official date is set, which delays the entire filing timeline. If you file early, you might face longer processing times, meaning your refund could take longer to arrive. Even with a late opening, the tax deadline remains April 15, so being prepared is essential. Furthermore, keep in mind that state tax agencies operate independently, so their deadlines may differ from the federal ones, which can ease some concerns. You’ll need to adjust your filing strategy. Early filers might experience delayed refunds. The April 15 deadline remains unchanged. State deadlines could provide some flexibility. Stay informed about IRS updates for any changes. Resources for Tax Filing Assistance Finding reliable resources for tax filing assistance can greatly ease the stress of preparing your taxes, especially if you’re unfamiliar with the process. The IRS offers free tax filing options through IRS Free File for taxpayers with an income of $84,000 or less, whereas Free File Fillable forms are available at no cost for any income level. If you’re eligible, consider the Volunteer Income Tax Assistance (VITA) program, which provides free help for low-income individuals, persons with disabilities, and the elderly. Military members and veterans can utilize the MilTax program for free tax preparation services, including customized support. For specific questions, the IRS Interactive Tax Assistant (ITA) delivers customized answers based on your circumstances. Furthermore, for fast and secure refunds, opt for electronic filing and choose direct deposit to guarantee quick processing times. These resources can help simplify your tax filing experience. Frequently Asked Questions When Can I Submit My Tax Return in 2025? You can submit your tax return for the 2025 tax year starting in late January 2026, once the IRS officially opens the tax season. Even though you can prepare your return in advance using tax software, don’t submit it until the IRS begins accepting returns. Remember, the deadline for filing individual income tax returns is April 15, 2026. Early submission may lead to longer processing times, so be mindful of that. What’s the Earliest I Can Submit My Tax Return? You can prepare your tax return well in advance, but you can’t officially submit it until the IRS opens for the tax season. This typically happens in late January, but the exact date varies each year. If you’re using software like TaxAct, you can complete your return early and securely store it until the IRS is ready to accept submissions. What Is the Earliest the IRS Will Accept Tax Returns? The IRS usually starts accepting tax returns in late January, though the exact date can vary each year. Although you can prepare your return in advance using tax software, you can’t submit it until the IRS officially opens. Early preparation doesn’t guarantee faster processing, as returns submitted before the opening might experience delays. Typically, expect most refunds within 21 days of acceptance, but early filings could see longer wait times depending on the IRS’s schedule. How Early Can You Start Taxes? You can start preparing your taxes as early as January 1, 2026. Even though you can’t submit your return until the IRS opens for that tax year, using tools like TaxAct allows you to enter your income, deductions, and credits beforehand. This early preparation helps guarantee that once the IRS begins accepting returns, you can file quickly and accurately, reducing the stress often associated with tax season. Conclusion To summarize, knowing when tax season opens is vital for effective planning. The IRS is expected to start accepting 2025 tax returns on January 27, 2026, with various key dates throughout the process, including the April 15 filing deadline. Early preparation can help you avoid delays and make certain you have all necessary documents ready. Staying informed about these timelines and deadlines is fundamental to streamline your filing experience and potentially expedite your refund. Image via Google Gemini and ArtSmart This article, "When Does Tax Season Open?" was first published on Small Business Trends View the full article

A small business tax extension allows you to postpone your tax return filing by up to six months, providing extra time to prepare your documents. Nevertheless, it’s essential to understand that this extension doesn’t delay your payment deadline for any taxes owed. To apply, you’ll need to complete IRS Form 7004 and submit it by your original due date. Knowing the ins and outs of this process can save you from penalties, so let’s explore how to navigate this effectively. Key Takeaways A small business tax extension allows extra time to file tax returns, typically six months, but does not extend payment deadlines for taxes owed. To apply, complete and submit IRS Form 7004 by the original tax return due date. Estimated tax payments must be made by the original due date to avoid penalties, even if an extension is filed. S corporations and partnerships must file by March 15, while C corporations have an April 15 deadline. Consider hiring tax professionals for assistance with extensions and accurate tax estimations to minimize liabilities and avoid penalties. Understanding Small Business Tax Extensions When you’re maneuvering the intricacies of small business taxes, grasping tax extensions can be vital for your financial planning. A small business tax extension allows you to file your tax returns later than the original due date, typically granting an additional six months. To secure this extension, you must file the IRS Form 7004 by the original deadline of your tax return. It’s important to keep in mind that although this extension gives you extra time to file, it doesn’t extend the deadline for any tax payments you owe. Estimated taxes are still due by the original due date to avoid penalties and interest. For instance, S corporations and partnerships must meet their deadlines by the 15th day of the third month after their tax year ends, whereas C corporations have until the 15th day of the fourth month. Recognizing these details can help you navigate your tax obligations more effectively. How to Apply for a Tax Extension To apply for a tax extension, you’ll need to gather all required documents to guarantee a smooth process. Next, complete IRS Form 7004 and make certain to submit it before your original tax return deadline. Gather Required Documents Gathering the required documents is a crucial step in applying for a small business tax extension. You’ll need accurate financial records to guarantee your application goes smoothly. Here’s a quick checklist: Document Type Purpose Profit and Loss Statement Shows overall business earnings Balance Sheet Displays assets and liabilities Prior Year Tax Returns Helps with accurate estimates IRS Form 7004 Required form for extension request Make sure to estimate your taxes owed, as payment must be submitted by the original due date to avoid penalties. If you’re filing electronically, you can e-file Form 7004 online through the Modernized e-File (MeF) platform for an automatic extension. Complete Form 7004 Completing IRS Form 7004 is essential for small businesses seeking an automatic extension to file their tax returns. Here’s what you need to know: Form 7004 allows an extension of six months to file your tax return. You must file 7004 electronically for convenience via the Modernized e-File platform. Accurately estimate your taxes owed, as the extension doesn’t extend the payment deadline. Submit Form 7004 by the original due date to avoid penalties. Note that certain exceptions apply, such as foreign corporations without a U.S. presence. Submit Before Deadline When seeking a tax extension for your small business, it’s important to submit IRS Form 7004 before the original due date of your tax return to avoid penalties. This extension grants you an additional six months to file, moving the deadline to October 15 for calendar-year taxpayers. Nevertheless, keep in mind that you must estimate and pay any taxes owed by the original due date, as the extension applies only to filing, not payment. To simplify the process, you can file 7004 online through the IRS Modernized e-File (MeF) platform. Make sure you gather all necessary financial documents beforehand for accurate completion later. Deadline Action Required Notes Original Due Date Submit Form 7004 Avoid penalties October 15 File your tax return After extension granted Before Due Date Estimate and pay taxes Payment not extended Important Forms: Form 7004 Form 7004 is a vital tool for small businesses seeking an automatic extension to file their tax returns. This form is important for various business entities, including corporations, partnerships, and multiple-member LLCs. Here are key points to remember about Form 7004: It grants an additional six months to file your tax return. The form must be filed by the original due date of the tax return. Filing Form 7004 doesn’t extend the time to pay taxes owed. Corporations, partnerships, and S corporations must use Form 7004. You can e-file Form 7004 through the IRS Modernized e-File (MeF) platform for convenience. Using Form 7004 helps guarantee you meet your filing obligations without the stress of a looming deadline. Just remember to make your estimated tax payments on time to avoid penalties. Key Deadlines for Tax Extensions Grasping key deadlines for tax extensions is vital for small business owners looking to manage their finances effectively. To qualify for an extension, you must file your tax extension request using IRS Form 7004 by the original due date of your return. For S corporations and partnerships, the deadline is the 15th day of the 3rd month after your tax year ends, typically March 15 for calendar-year taxpayers. C corporations face a deadline of April 15, the 15th day of the 4th month following their tax year end. If you receive an extension, you typically have an additional six months to file, giving you more time to prepare your returns. Nonetheless, bear in mind that estimated tax payments must still be made by the original due date to avoid penalties, regardless of whether you file the 1120s extension form. Staying on top of these deadlines is fundamental for smooth financial operations. Estimated Tax Payments and Penalties When you file for a tax extension, it’s still essential to make your estimated tax payments by the original due date to steer clear of penalties. If you’re part of an S corporation or partnership, calculate your payments based on expected income and remember they’re due by the 15th day of the third month after your tax year ends. C corporations face a similar deadline, with payments due by the 15th day of the fourth month, and failing to pay on time can lead to significant penalties on any unpaid taxes. Importance of Estimated Payments Comprehending the importance of estimated payments is crucial for small business owners, as failing to make these payments by the original due date can lead to costly penalties and interest on any unpaid taxes. Estimated payments must be made even when extensions are filed. S corporations and partnerships face penalties up to 25% for underpayment. The failure-to-pay penalty is 0.5% per month on unpaid taxes, capped at 25%. Accurate tax estimation prevents significant penalties, including 5% for late returns. Timely payments avoid financial repercussions like interest accrual and extra penalties. Knowing where to file 7004 can help you manage extensions better, but remember, timely estimated payments are critical to avoiding unnecessary costs. Consequences of Underpayment Underestimating your tax obligations can lead to significant penalties that impact your bottom line. If you fail to accurately estimate your taxes owed, you could face penalties of 0.5% per month on unpaid taxes, reaching up to 25% for S corporations. Partnerships and S corporations must file their returns by the 15th day of the 3rd month after the tax year ends; otherwise, penalties may apply. Even filing an extension for 1065 doesn’t exempt you from making estimated tax payments by the original due date. Furthermore, if you file late without a tax due, expect a $255 penalty per shareholder monthly. It’s crucial to keep track of your estimated payments to avoid accruing interest on any unpaid balance. Pros and Cons of Filing an Extension Filing a small business tax extension can be a strategic decision that offers both advantages and drawbacks. Here are some pros and cons to take into account for an S corp extension: More time to guarantee accurate and complete tax returns. Reduced risk of needing to file an amended return later. Opportunity to gather necessary documents and consult with accountants. Access to potential penalties for late filing, as the failure-to-file penalty can reach up to 25%. Possible delays in obtaining business loans or grants, since recent tax returns are often required. While a small business tax extension provides you with an additional six months for filing, keep in mind that it doesn’t extend the deadline for tax payments. To avoid interest and penalties, you must still pay your taxes by the original due date. Balancing these factors will help you make an informed decision about your S corp extension. Special Considerations for Different Business Entities When traversing the tax extension process, it’s important to recognize that different business entities have unique requirements and deadlines. Sole proprietorships and single-member LLCs need to file IRS Form 4868 to request an extension, whereas corporations, partnerships, and multiple-member LLCs should use Form 7004. S corporations and partnerships face a filing deadline on the 15th day of the 3rd month after the tax year ends, whereas C corporations must file by the 15th day of the 4th month. Filing Form 7004 grants an additional six months to submit returns but doesn’t extend the deadline for paying any estimated taxes owed. Late filing can lead to hefty penalties. For instance, S corporations and partnerships incur a 5% penalty on unpaid taxes each month, whereas C corporations face a 0.5% penalty, both capped at 25%. Grasping these specifics is essential for compliance and avoiding unnecessary costs. Seeking Professional Help for Tax Extensions Maneuvering the tax extension process can be challenging, so seeking professional help is often a wise decision for small business owners. A tax professional can streamline the process and help you avoid common pitfalls. Here are some key benefits of hiring one: They know the IRS Form 7004 requirements and can guarantee timely submission. They assist in accurately estimating taxes owed to avoid underpayment penalties. Engaging a professional lets you focus on your business operations. They can identify potential deductions and credits to minimize your tax liabilities. They provide guidance on compliance with federal and state regulations. Additionally, if you’re unsure where to mail Form 7004, a tax professional can direct you accordingly, ensuring your submission reaches the right department. Resources for Small Business Owners How can small business owners effectively steer through the intricacies of tax extensions? First, utilize the IRS website, which offers detailed instructions on how to e-file Form 7004 for an additional six months to file your tax returns. You’ll also find helpful resources for small business owners, including online tools and publications like Publication 538, which explain accounting periods and methods to guarantee compliance with tax regulations. Don’t forget to check your state revenue department‘s website for specific tax extension guidelines, as many states accept the federal extension form for state tax purposes. Organizations like the Small Business Administration (SBA) provide valuable guidance on managing tax obligations and comprehending extensions. Furthermore, tax professionals and services such as Block Advisors and TaxAct can assist you in steering through tax extension applications and preparing your taxes effectively, making sure you meet your obligations accurately and on time. Frequently Asked Questions How Do I File an Extension for a Small Business? To file an extension for your small business, complete IRS Form 7004. You need to submit this form by your tax return’s original due date to avoid penalties. Remember, an extension gives you more time to file, not to pay your taxes. Estimated taxes still must be paid on time. You can e-file Form 7004 through the Modernized e-File platform for convenience. Stay informed to manage your tax responsibilities effectively. How Much Does It Cost to File a Business Tax Extension? Filing a business tax extension is free, but you need to estimate and pay any taxes owed by the original due date to avoid penalties that can accrue at 0.5% per month on unpaid taxes. During there aren’t direct costs for the extension itself, missing timely payments can lead to significant financial repercussions. If you seek help from tax professionals, be aware that their fees can vary based on your business’s tax complexity. What Qualifies You for a Tax Extension? To qualify for a tax extension, you need to file IRS Form 7004 by your original business tax return due date. Most entities, like S corporations and partnerships, can use this form. Remember, a tax extension gives you six extra months to file, but you still must pay any owed taxes by the original deadline. Certain situations, such as natural disasters, might grant automatic extensions without needing to file Form 7004. How Does an LLC File for an Extension? To file for an extension as an LLC, you need to submit IRS Form 7004 by your tax return’s original due date, usually the 15th day of the third month after your tax year ends. This form grants you an automatic six-month extension to file. Conclusion In conclusion, a small business tax extension can provide you with valuable extra time to file your tax returns, but it’s essential to keep in mind that it doesn’t extend the deadline for payment of taxes owed. By properly submitting IRS Form 7004, you can avoid penalties and guarantee compliance. Keep track of key deadlines and estimated payments to maintain your business’s financial health. If needed, don’t hesitate to seek professional assistance to navigate the intricacies of tax extensions effectively. Image via Google Gemini and ArtSmart This article, "What Is a Small Business Tax Extension and How to Apply?" was first published on Small Business Trends View the full article

Tax season typically opens in late January, and for 2025, it’s expected to start around January 27. This is when you can begin submitting your returns, but the deadline remains April 15 for most individuals. Key dates, such as the distribution of W-2 forms on February 2, 2026, are vital for your planning. Comprehending these timelines is fundamental, but there’s more to evaluate when preparing your taxes effectively. Key Takeaways The 2025 tax season is expected to open around January 27, 2026, according to IRS announcements. Returns can be filed after the IRS officially opens tax season. The filing deadline for individual tax returns remains April 15, 2026. Early filing is allowed through tax preparation services, but submissions wait for IRS readiness. Delays in tax season opening can impact the overall filing timeline for taxpayers. Overview of Tax Season Opening Dates When you’re preparing for tax season, it’s important to know the official opening dates set by the IRS. For the 2025 tax season, the IRS typically announces these dates in January, with previous seasons starting around late January. Even though the exact opening date for 2025 hasn’t been confirmed, it’s likely to be around January 27, based on past trends. As you wonder, “when can I file my taxes for 2025,” keep in mind that the IRS will still accept returns after this date, but preparing early is wise. TaxAct offers a convenient option to complete your tax returns ahead of time, even before the IRS opens for submissions. Although delays in the IRS opening can occur, keep in mind that the filing deadline remains April 15 for most taxpayers, so timely preparation can guarantee you’re ready to file quickly once tax season officially opens. Key Dates for Filing 2025 Taxes As tax season approaches, it’s important to stay informed about key dates for filing your 2025 taxes. Missing these deadlines can lead to unnecessary penalties or delays in processing your return. Here’s a quick reference for important dates: Date Event Notes February 2, 2026 W-2 forms distributed Make sure you receive yours on time. March 15, 2026 Partnerships and S-Corporations deadline Options for six-month extensions available. April 15, 2026 Individual tax return filing deadline Don’t forget to file! January 15, 2026 Fourth quarter estimated tax payment due Avoid penalties by paying on time. October 15, 2026 Extended deadline for C Corporations Make sure all forms are filed. Importance of Early Preparation Preparing early for tax season can considerably ease the stress of filing your taxes. When you take the time to organize your documents and gather necessary records, you set yourself up for a smoother experience. The IRS encourages you to visit IRS.gov/GetReady for tips on new tax considerations that may impact your filings. Early preparation helps you identify potential deductions and credits, maximizing your refund. Here are some key benefits of starting early: You can organize tax documents like Forms W-2 and 1099 to prevent errors. Advance work leads to quicker, more accurate filings. An IRS online account provides secure access to your tax information. You stay informed about your tax situation. You’ll reduce the likelihood of delays in receiving your refund. Consequences of Delayed Filing Failing to file your taxes by the deadline can lead to significant financial consequences that are often overlooked. If you owe taxes and file late, you could face a failure-to-file penalty of 5% of the unpaid amount for each month the return is late, capping at 25%. This penalty will compound over time, increasing the total amount you owe. Conversely, if you’re expecting a refund, you won’t incur penalties for filing late; nonetheless, you must file within three years to claim that refund. Furthermore, missing estimated tax payment deadlines can result in penalties, even if you anticipate a refund from your annual return. Although the IRS offers options for late filing depending on your situation, it’s typically best to file as soon as possible. This approach helps minimize penalties and interest, ensuring you address your tax obligations efficiently. How to Gather Necessary Documents Gathering the necessary documents for tax season can feel overwhelming, but starting early can simplify the process considerably. To guarantee accurate reporting and timely filing, it’s fundamental to collect the right paperwork. Begin by obtaining Forms W-2 from your employers and Forms 1099 from any Bank of America or other payers. Don’t forget to gather records of any digital asset transactions, as these are significant under new regulations. Organizing your tax records is imperative, so maintain a file that includes: Receipts for deductible expenses Invoices for freelance or self-employed work Bank account details for direct deposit of your refund Any relevant financial statements Information from IRS.gov/GetReady for customized checklists Estimated Tax Payments and Deadlines Regarding estimated tax payments, you need to keep an eye on the quarterly payment schedule, which typically falls on January 15, April 15, June 15, and September 15. If you expect to owe at least $1,000 in taxes for the year, making these payments on time is essential to avoid penalties. Quarterly Payment Schedule Grasping the quarterly payment schedule for estimated tax payments is crucial for individuals and businesses alike. These payments are typically due on April 15, June 15, September 15, and January 15 of the following year. If you miss a deadline, you could face penalties and interest on any unpaid amounts. Here’s what you need to know: Estimated tax payments are required for both individuals and businesses. The final payment for the 2025 tax year is due on January 15, 2026. Use IRS Form 1040-ES to calculate your estimated tax liability. Businesses may have additional deadlines based on their fiscal year. Staying organized helps avoid costly penalties and guarantees compliance with tax laws. Filing Extensions Available Taxpayers have options regarding filing extensions for their tax returns, which can help alleviate some of the stress during tax season. You can file for an extension using Form 4868, pushing your deadline to October 15, 2026. Nevertheless, keep in mind that any taxes owed are still due by the original April 15 deadline. If you’re making quarterly estimated tax payments, remember these are due at uneven intervals, with the last payment for the 2025 tax year due on January 15, 2026. Missing these deadlines can lead to penalties and interest. Additionally, if you’re in a federally declared disaster area, you might qualify for additional relief, including extended filing and payment deadlines. Penalties for Late Payments Missing estimated tax payment deadlines can lead to significant penalties and interest on unpaid amounts, creating a financial burden that many taxpayers seek to avoid. If you miss the January 15, 2026, deadline for the 4th Quarter 2025 payment, you could face penalties. Here’s what you need to know: Payments must be made by their original due dates—extensions don’t apply. The April 15, 2026, deadline for filing may incur increasing penalties over time if not met. Late filing with a refund usually incurs no penalties. If you owe taxes, interest and penalties accrue until payment. Taxpayers in federally declared disaster areas may qualify for relief, which can mitigate late payment penalties. Understanding the IRS Opening Date The IRS typically opens for tax season in late January, but the exact date for 2026 hasn’t been announced yet. Factors like major tax law changes or updates to IRS systems can cause delays, impacting how early you can file. Regardless of whether the IRS hasn’t opened, you can still prepare your returns in advance using tools like TaxAct. Typical Opening Date Every year, the IRS typically opens for tax season in late January, with the exact date revealed during that month. For 2026, the official opening date hasn’t been announced yet, but it’s likely to follow the usual pattern. In 2025, the IRS began accepting returns on January 27, which illustrates this common timeline. Keep in mind that various factors could potentially delay the opening date, such as tax law changes or updates to forms. Nonetheless, you can still prepare your returns in advance using tax preparation software like TaxAct before the IRS officially opens. Anticipate changes in tax law. Check the IRS website for updates. Prepare documents early. Consider e-filing options. Stay informed about deadlines. Factors Causing Delays Although the IRS typically aims to open tax season in late January, various factors can lead to delays in this timeline. Significant tax law changes, like those from the One Big Beautiful Bill (OBB), may require the IRS to update forms and systems, pushing back the opening date. It’s essential for you to prepare your returns in advance, even if the IRS hasn’t officially opened, as early filing is permitted through tax preparation services like TaxAct. Nevertheless, keep in mind that you can’t submit your returns until the IRS is ready, which might result in longer processing times for early filers. In spite of potential delays in the opening, tax filing deadlines, such as the April 15 deadline for individual income tax returns, usually remain unchanged. How a Late Opening Affects Taxpayers When the IRS announces a late opening, it directly impacts how taxpayers approach their filing process. You can’t submit your returns until the official date is set, which delays the entire filing timeline. If you file early, you might face longer processing times, meaning your refund could take longer to arrive. Even with a late opening, the tax deadline remains April 15, so being prepared is essential. Furthermore, keep in mind that state tax agencies operate independently, so their deadlines may differ from the federal ones, which can ease some concerns. You’ll need to adjust your filing strategy. Early filers might experience delayed refunds. The April 15 deadline remains unchanged. State deadlines could provide some flexibility. Stay informed about IRS updates for any changes. Resources for Tax Filing Assistance Finding reliable resources for tax filing assistance can greatly ease the stress of preparing your taxes, especially if you’re unfamiliar with the process. The IRS offers free tax filing options through IRS Free File for taxpayers with an income of $84,000 or less, whereas Free File Fillable forms are available at no cost for any income level. If you’re eligible, consider the Volunteer Income Tax Assistance (VITA) program, which provides free help for low-income individuals, persons with disabilities, and the elderly. Military members and veterans can utilize the MilTax program for free tax preparation services, including customized support. For specific questions, the IRS Interactive Tax Assistant (ITA) delivers customized answers based on your circumstances. Furthermore, for fast and secure refunds, opt for electronic filing and choose direct deposit to guarantee quick processing times. These resources can help simplify your tax filing experience. Frequently Asked Questions When Can I Submit My Tax Return in 2025? You can submit your tax return for the 2025 tax year starting in late January 2026, once the IRS officially opens the tax season. Even though you can prepare your return in advance using tax software, don’t submit it until the IRS begins accepting returns. Remember, the deadline for filing individual income tax returns is April 15, 2026. Early submission may lead to longer processing times, so be mindful of that. What’s the Earliest I Can Submit My Tax Return? You can prepare your tax return well in advance, but you can’t officially submit it until the IRS opens for the tax season. This typically happens in late January, but the exact date varies each year. If you’re using software like TaxAct, you can complete your return early and securely store it until the IRS is ready to accept submissions. What Is the Earliest the IRS Will Accept Tax Returns? The IRS usually starts accepting tax returns in late January, though the exact date can vary each year. Although you can prepare your return in advance using tax software, you can’t submit it until the IRS officially opens. Early preparation doesn’t guarantee faster processing, as returns submitted before the opening might experience delays. Typically, expect most refunds within 21 days of acceptance, but early filings could see longer wait times depending on the IRS’s schedule. How Early Can You Start Taxes? You can start preparing your taxes as early as January 1, 2026. Even though you can’t submit your return until the IRS opens for that tax year, using tools like TaxAct allows you to enter your income, deductions, and credits beforehand. This early preparation helps guarantee that once the IRS begins accepting returns, you can file quickly and accurately, reducing the stress often associated with tax season. Conclusion To summarize, knowing when tax season opens is vital for effective planning. The IRS is expected to start accepting 2025 tax returns on January 27, 2026, with various key dates throughout the process, including the April 15 filing deadline. Early preparation can help you avoid delays and make certain you have all necessary documents ready. Staying informed about these timelines and deadlines is fundamental to streamline your filing experience and potentially expedite your refund. Image via Google Gemini and ArtSmart This article, "When Does Tax Season Open?" was first published on Small Business Trends View the full article

Conversations about youth mental health and addiction are often treated as separate issues—different experts, different headlines, different policy conversations. But for today’s young people, these challenges are deeply intertwined. The same forces driving rising levels of anxiety, stress, and social comparison are also shaping their risk for substance use. In The Anxious Generation, social psychologist Jonathan Haidt argues that the rapid shift to phone-based childhood fundamentally changed the developmental environment for young people. Attention, reward, identity formation, and peer validation have been rewired by digital platforms engineered to maximize engagement. The result has been a sharp rise in anxiety, depression, loneliness and emotional fragility among adolescents and young adults. THE PROBLEM WITH NICOTINE These are the same behavioral systems modern nicotine products are built to exploit. Nicotine has always targeted the brain’s reward pathways. But a new generation of “smart” nicotine products increasingly mirror the mechanics of social platforms themselves: frictionless engagement, instant reinforcement, personalization, and compulsive use loops. Paired with high nicotine content, these products are not only appealing to young people but can create a dangerous path toward addiction. For decades, public health framed addiction primarily as a knowledge problem: If young people understood the risks, they would avoid harmful substances. But today’s landscape is much more complex. Most youth and young adults already know the dangers of nicotine and addiction. What they’re battling instead is a new landscape of nicotine products that have been billed as “safer,” paired with a social environment that amplifies mental health strain while simultaneously normalizing use. Young people are navigating unprecedented levels of stress inside digital and commercial ecosystems explicitly engineered to keep them engaged, consuming and coming back. Research from Truth Initiative shows that youth nicotine use is strongly intertwined with stress, anxiety, and broader mental health challenges. Additionally, a survey we published found that 67% of young adult nicotine users plan to quit nicotine in 2026, with most citing physical and mental health as their top motivations. Increasingly, young people are recognizing that nicotine isn’t relieving stress in the long-term—it’s becoming part of the stress cycle itself. That’s why calling attention to the connection between stress and nicotine use is an important component in helping young people. Outsmart Nicotine, the latest campaign from Truth Initiative’s EX Program, showcases how nicotine use can become a cycle tied to everyday stressors like school, work, social life, and family pressures. While nicotine may create a temporary sense of relief, that relief is fleeting. Cravings and withdrawal quickly follow, reinforcing a cycle that can deepen dependence while worsening anxiety, depression, and stress. Our goal is for this latest effort to help young people, particularly those who may not have considered quitting yet, recognize this pattern and connect them with free, evidence-based resources to quit nicotine for good. Prevention and cessation can no longer focus on only the product; it must also confront the environment shaping the behavior. Addressing youth addiction without also addressing broader youth mental health doesn’t paint the full picture. The next generation of prevention must recognize that emotional well-being, attention ecosystems, and substance use are not parallel issues but interlocking ones. Addiction today does not happen in isolation. It unfolds inside an economy built to capture attention, shape behavior, and monetize engagement at almost any cost. Kathy Crosby is CEO and president of Truth Initiative. View the full article

At its recent Chase for Business: The Experience — Detroit event, JPMorgan Chase unveiled a significant initiative aimed at bolstering small businesses in Detroit. This strategic expansion involves hiring more local business bankers, scaling its successful Coaching for Impact program, and committing $2.25 million in philanthropic funding. With these enhancements, JPMorgan Chase emphasizes its commitment to empowering local entrepreneurs who drive the city’s economic recovery. Jamie Faber, Michigan Business Banking Market Manager, remarked, “Detroit’s economy is powered by the people who choose to build here, and small businesses are at the heart of that. We’re proud to stand alongside Detroit’s small business owners with the capital, advice, and connections they need to grow, create jobs, and strengthen the neighborhoods they call home.” Central to this initiative is the American Dream Initiative, which aims to support 10 million small businesses over the coming years by providing essential resources such as capital, coaching, and practical policy solutions. As part of this effort, JPMorgan Chase plans to enhance its Coaching for Impact program in Detroit, targeting over 1,200 additional entrepreneurs for graduation from a program renowned for offering free consulting, executive coaching, and on-demand educational resources. One of the notable aspects of the initiative includes the addition of 15 business bankers in the Detroit metro area. This boost of nearly 30% in local business banker coverage over five years enables personalized financial advice and resource access. Small business owners will have better opportunities to secure capital and navigate the numerous challenges they face in an evolving economic landscape. JPMorgan Chase’s commitment extends beyond institutional support. The firm announced a philanthropic package of $2.25 million aimed at enhancing Detroit’s small business ecosystem. Grants will reach nearly 600 local businesses, addressing various needs, including capital access and technical assistance. Organizations such as ProsperUs Detroit, the Detroit Development Fund, Invest Detroit, and the Accounting Aid Society are set to benefit from these funds, each targeting specific needs including neighborhood revitalization and financial education for entrepreneurs. Paul Jones, CEO of ProsperUs Detroit, expressed the significance of this support: “Entrepreneurship can be a powerful driver of economic mobility and neighborhood revitalization. With support from JPMorgan Chase, we are expanding access to the capital, education, and business support that entrepreneurs need to grow thriving businesses, build wealth, and strengthen their communities.” However, implementing these expansions isn’t without its complexities. Small business owners should consider potential challenges ahead, like the competition for the talent pool sought by JPMorgan Chase. The demand for skilled bankers and consultants could lead to heightened competition among financial institutions. Additionally, while increased funding and support can fuel growth, small business owners must be prepared to adapt to receiving this aid effectively, ensuring they leverage available resources to maximize their impact. Furthermore, the long-term success of such initiatives depends on sustained collaboration among business, government, nonprofit, and community partners. This holistic approach is not just about capital but cultivating a supportive ecosystem where small businesses can thrive. Since 2014, JPMorgan Chase has invested over $2 billion in Detroit, aiming to drive advancements across various sectors, including small business growth and workforce development. Their commitment translates to significant outcomes, with investments helping small businesses generate over $13.7 million in revenues and create more than 20,000 jobs. The efforts outlined in the Chase for Business event demonstrate JPMorgan Chase’s ongoing dedication to small businesses in the region. Their multifaceted approach aims to create sustainable pathways for entrepreneurs, fostering an environment ripe for growth and innovation. For more details on these initiatives, small business owners can refer to the original announcement here. Image via Google Gemini This article, "Chase Expands Support for Detroit’s Small Businesses with $2.25M Boost" was first published on Small Business Trends View the full article

At its recent Chase for Business: The Experience — Detroit event, JPMorgan Chase unveiled a significant initiative aimed at bolstering small businesses in Detroit. This strategic expansion involves hiring more local business bankers, scaling its successful Coaching for Impact program, and committing $2.25 million in philanthropic funding. With these enhancements, JPMorgan Chase emphasizes its commitment to empowering local entrepreneurs who drive the city’s economic recovery. Jamie Faber, Michigan Business Banking Market Manager, remarked, “Detroit’s economy is powered by the people who choose to build here, and small businesses are at the heart of that. We’re proud to stand alongside Detroit’s small business owners with the capital, advice, and connections they need to grow, create jobs, and strengthen the neighborhoods they call home.” Central to this initiative is the American Dream Initiative, which aims to support 10 million small businesses over the coming years by providing essential resources such as capital, coaching, and practical policy solutions. As part of this effort, JPMorgan Chase plans to enhance its Coaching for Impact program in Detroit, targeting over 1,200 additional entrepreneurs for graduation from a program renowned for offering free consulting, executive coaching, and on-demand educational resources. One of the notable aspects of the initiative includes the addition of 15 business bankers in the Detroit metro area. This boost of nearly 30% in local business banker coverage over five years enables personalized financial advice and resource access. Small business owners will have better opportunities to secure capital and navigate the numerous challenges they face in an evolving economic landscape. JPMorgan Chase’s commitment extends beyond institutional support. The firm announced a philanthropic package of $2.25 million aimed at enhancing Detroit’s small business ecosystem. Grants will reach nearly 600 local businesses, addressing various needs, including capital access and technical assistance. Organizations such as ProsperUs Detroit, the Detroit Development Fund, Invest Detroit, and the Accounting Aid Society are set to benefit from these funds, each targeting specific needs including neighborhood revitalization and financial education for entrepreneurs. Paul Jones, CEO of ProsperUs Detroit, expressed the significance of this support: “Entrepreneurship can be a powerful driver of economic mobility and neighborhood revitalization. With support from JPMorgan Chase, we are expanding access to the capital, education, and business support that entrepreneurs need to grow thriving businesses, build wealth, and strengthen their communities.” However, implementing these expansions isn’t without its complexities. Small business owners should consider potential challenges ahead, like the competition for the talent pool sought by JPMorgan Chase. The demand for skilled bankers and consultants could lead to heightened competition among financial institutions. Additionally, while increased funding and support can fuel growth, small business owners must be prepared to adapt to receiving this aid effectively, ensuring they leverage available resources to maximize their impact. Furthermore, the long-term success of such initiatives depends on sustained collaboration among business, government, nonprofit, and community partners. This holistic approach is not just about capital but cultivating a supportive ecosystem where small businesses can thrive. Since 2014, JPMorgan Chase has invested over $2 billion in Detroit, aiming to drive advancements across various sectors, including small business growth and workforce development. Their commitment translates to significant outcomes, with investments helping small businesses generate over $13.7 million in revenues and create more than 20,000 jobs. The efforts outlined in the Chase for Business event demonstrate JPMorgan Chase’s ongoing dedication to small businesses in the region. Their multifaceted approach aims to create sustainable pathways for entrepreneurs, fostering an environment ripe for growth and innovation. For more details on these initiatives, small business owners can refer to the original announcement here. Image via Google Gemini This article, "Chase Expands Support for Detroit’s Small Businesses with $2.25M Boost" was first published on Small Business Trends View the full article

Gabriel Landeskog wears the small sensors in the insoles of his skates for practices and games. He wears them in his sneakers when he’s training and, maybe most handy of all, while taking his dog for a walk. Those spins around the block and ice record all of his biomechanical measurements. The numbers provided a blueprint in helping the Colorado Avalanche captain resume his career after a three-year gap caused by a complicated knee injury. Now, they keep him at his gritty, goal-scoring best. The collected data ranges from movement patterns to his asymmetry and whether he’s favoring his surgically repaired right knee. It calculates in-game/in-practice workloads, stride characteristics, and the mechanics of how his feet interact with various surfaces—ground or ice. The details paint a picture to inform Landeskog when he’s reaching maximum capacity and needs a break. That way, the technology prevents him from reaching overexertion levels in training that might set him back for days, possibly weeks. “This detects any red flags before I even feel them,” said Landeskog, whose team trails Vegas 3-0 in a Western Conference Final in which he has two of the Avalanche’s six goals. “It’s been super important for me, and a huge help.” The assist goes to Plantiga, an AI-driven movement platform that helps athletes stay on top of their game and prevent injuries. The company’s cutting-edge technology is being utilized by players and teams in the NBA, NFL, WNBA and MLB, along with colleges, elite sprinters, weekend warriors and, of course, NHL players such as Landeskog. “What we’re trying to detect is the smoke before the fire,” explained Matthew Jordan, the vice president of performance science at Plantiga as well as an associate professor, faculty of kinesiology/sport medicine center, at the University of Calgary. “Imagine you’re at the point where your knee is just at the cusp of the next day it’s going to be like, ‘My knee’s killing me. I can hardly walk.’ We can see in the data before you reach that tipping point.” Landeskog’s return from knee injury Landeskog’s knee issues began after a skate blade cut his right knee during the 2020 playoffs in the Edmonton pandemic bubble. He worked his way through it and helped the Avalanche to a Stanley Cup title in 2022 by beating Tampa Bay. That Cup clincher, though, was his last game for a while. After missing a full season, Landeskog underwent cartilage replacement surgery on May 10, 2023. Introduction to Plantiga In the spring of 2024, Landeskog was introduced to Plantiga, the Vancouver-based human analytics company founded by Quin Sandler and his late father, Norman McKay. They wanted to create a way to monitor the movement of athletes with wearable in-shoe technology. Landeskog reached out to the Plantiga team through the strength and conditioning coach Marcin Goszczynski. The 33-year-old Landeskog met with Jordan at a game when the Avalanche were playing in Calgary. “We discussed his injury and his frustration with the process,” Jordan recounted. “You have to remember at this point the tunnel was dark and long—there was no light . . . we were miles from the end of the tunnel.” Jordan connected Landeskog with a Canadian ski racer who went through a similar injury. “It was a relief for Gabe to know that another athlete out there had been able to conquer this injury,” Jordan said. “He has among the best mindsets, and he is 100% resilient and gritty to the core.” By utilizing Norman, a movement intelligence layer named after Sandler’s father, potential changes in Landeskog’s biomechanics were flagged before they could escalate. “We’re trying to put really good data [together] that him and his trainer will use,” Sandler said. “There’s this fine Goldilocks zone that we help him stay in, and honestly he’s been killing it.” Staying on top of the data Landeskog returned last season for Game 3 of the playoffs against Dallas, which was his first NHL contest in 1,032 days. His comeback continued this season, when he had 14 goals and 21 assists over 60 regular-season games. Throughout the season, Jordan tunes in to watch Landeskog’s strides on the ice. He sometimes notes instances he wants to examine further simply because the numbers may be outside the Swedish forward’s normal range. “Essentially, put out the ‘smoke’ before it turns into a ‘fire,'” Jordan explained. “In an athlete’s world, a fire can mean a new injury, a reinjury to the tissue, a loss of performance, or a setback in rehab.” This application is similar to the Oura Ring, which constantly collects health and wellness metrics. Plantiga, though, tracks human movement through a laboratory-grade inertial measurement unit sensor that captures 400 data points per second. Translation: An athlete’s movement can be captured with 20 to 30 times more granularity than with a smart phone or watch. “A supercharged human movement measuring device,” Jordan said. One way to get a baseline for Landeskog’s gait and biomechanics was through walking. For that, an assist goes to his dogs, the late Zoey and now Mila, who were eager participants on those data-collecting excursions. “We can see subtle things in your walk patterns well before it manifests as something very clinical or significant,” Jordan said. Taking out the guesswork What the data did for Landeskog was take the guesswork out of his training program. “He’d get on the ice and be like, ‘Oh, I feel good today.’ Jordan said. “It’s like, ‘I think I’m just going to go hard. I feel like my knee feels really good. Oh [no], I went too far. My knee’s flared up. I’ve got to take a week off.’ With all these setbacks he couldn’t catch any progression.” Now, when the numbers indicate Landeskog should rest, he pays attention. He’s a finalist for the Bill Masterton Memorial Trophy, which is awarded to the NHL player who exemplifies perseverance, sportsmanship, and dedication. “I’m humbled and honored by it, but I think for me, the ultimate prize I’ve already won,” Landeskog said. “That’s to continue working and getting to play hockey.” AP NHL: https://apnews.com/hub/stanley-cup and https://apnews.com/hub/nhl —Pat Graham and Stephen Whyno, AP Sports Writers View the full article

BTS has turned sold-out stadium tours, albums, and merch drops into global events. Now, the group is taking on another challenge: reinventing the Oreo cookie. Oreo is teaming up with the Korean supergroup on a limited-edition cookie that blends Korean street food inspiration with fan-focused collectible packaging and custom cookie designs. The new Limited Edition Oreo & BTS Cookies feature a creme flavor inspired by the hotteok, the sweet Korean brown sugar pancake sold at street markets. The cookies also introduce Oreo’s first-ever purple wafers, a nod to BTS’s globally devoted fanbase, ARMY. A collaboration rooted in nostalgia According to Matt Foley, VP of Oreo, the collaboration stands out because BTS had a genuine connection to the brand before discussions even began. “We know the best Oreo collaborations are when we really cocreate with a partner and there’s a real genuine connection between the two,” Foley tells Fast Company. “What made this one so special was when we reached out, we found out quickly that there was a real emotional connection there with the members of BTS. They actually grew up eating Oreo in Korea, so this is a full circle element around this whole partnership, and it made it feel really authentic right from the start.” Foley says BTS played an unusually hands-on role throughout the process, contributing to the flavor inspiration, embossments, and packaging design. “This was a really collaborative process for us,” Foley says. “BTS got deeply involved right from the beginning, because they wanted to make sure the product genuinely reflected the relationship with them that they have with their fans.” The BTS collaboration is the latest in a growing line of music-focused Oreo releases that have increasingly turned the cookie brand into a pop culture player. Previous collaborations have included a split-cookie release with Post Malone featuring salted caramel and shortbread-flavored creme, a horchata-inspired cookie tied to Selena Gomez, and a vibrant pink-and-green Chromatica-themed collaboration with Lady Gaga. Oreo also previously partnered with Blackpink on a highly sought-after Asia-exclusive release featuring strawberry and dark chocolate creme combinations. Why Korean culture mattered to the campaign Oreo’s collaboration with BTS arrives as Korean culture continues to influence global trends across entertainment, beauty, fashion, and food. Foley says the brand wanted to approach the partnership authentically rather than simply capitalize on the popularity of Korean culture. “Korean culture is absolutely influencing mainstream culture right now, and brands have to recognize that in a real way, not just chase it opportunistically,” Foley says. “So, for us, BTS was that bridge . . . and felt like a really natural fit.” The cookies are designed to be collectible. The release includes 13 unique embossments on top of the cookies, including members names, BTS iconography, and hidden messages intended for fans. That 13 number is a nod to the group’s 13th anniversary. Built for collectors and superfans Foley says the team designed the collaboration with collectors and superfans in mind. “We always ask ourselves . . . when we start to design the packaging, the embossments, the cookie, and the whole experience of how we’re going to roll it out: Would this lead to someone wanting to go out and collect it, bring it home, hold on to it, maybe even put it in on in a case at home?” Foley says. The packaging draws inspiration from Korean street markets, using vibrant visuals intended to mirror the atmosphere and energy associated with those spaces. Oreo is building an interactive fan campaign around the release. Beginning June 8, fans can submit digital “love letters” to BTS through a QR code on the packaging or the campaign website as part of what the company describes as a global fan movement. More fan experience than ad campaign Foley says the company approached the rollout more like a fan experience than a traditional advertising campaign. “We . . . definitely didn’t treat this anything like a traditional campaign, and we thought of it more as building a fan experience around Oreo and BTS,” Foley says. “We knew the ARMY is one of the most engaged communities in the world, so being passive and just sending messages out was never going to cut it.” The Oreo & BTS collaboration will roll out across more than 80 countries, making it one of Oreo’s largest global entertainment partnerships to date. Fans can preorder the Limited Edition Oreo & BTS Cookies beginning June 1 through Oreo’s website, with retail availability beginning June 8 while supplies last. View the full article

B2B personal selling is all about direct interactions that help you understand your business clients’ unique needs. By customizing solutions, you build trust and enhance customer loyalty. To succeed, focus on effective communication, and don’t shy away from asking questions that uncover challenges. This approach not only drives sales but also lays the groundwork for long-term partnerships. So, what’s the best way to tackle the challenges you might face in this process? Key Takeaways B2B personal selling involves direct interactions between sales reps and business clients, focusing on tailored solutions for specific needs. It fosters strong client relationships, enhancing trust, loyalty, and opportunities for upselling or cross-selling. Understanding client challenges through effective communication reduces sales resistance and shortens sales cycles. Customized solutions can boost closing rates by up to 20%, addressing unique business priorities. Engaging in digital trends like social media and AI enhances efficiency and strengthens client relationships. What Is B2B Personal Selling? B2B personal selling is all about direct interaction between sales representatives and business clients. This approach focuses on understanding and addressing the specific needs of each client’s organization. By engaging directly, you can build trust and foster relationships, which are essential for maneuvering through complex sales processes. The personal selling definition encompasses a tailored sales pitch that aligns with the buyer’s unique challenges and goals, enhancing your chances of closing deals. The personal selling process involves skilled professionals who engage in active listening, problem-solving, and relationship management. You need to take into account that buying decisions in B2B environments often involve multiple stakeholders and can take several months to finalize. To succeed, prioritize understanding your client’s needs, and offer customized solutions that resonate with their objectives. By doing so, you’ll strengthen your business relationships and secure long-term partnerships, making your sales efforts more effective. Key Characteristics of B2B Personal Selling Personal relationships are at the heart of successful B2B personal selling. To thrive in this area, you need to understand key characteristics that define personal selling in marketing. First, focus on building long-term relationships by investing time in learning about your clients’ needs. This approach allows you to offer customized solutions to their specific challenges. Navigating complex decision-making structures is another crucial step in personal selling. Multiple stakeholders often influence purchasing decisions, so strong communication skills are essential. You’ll need to articulate value propositions clearly and handle objections effectively. Finally, don’t forget the importance of personalized follow-ups. They guarantee customer satisfaction and can lead to repeat business and referrals. Here’s a quick overview: Characteristic Importance Relationship Building Long-term trust and loyalty Customized Solutions Addressing specific business challenges Complex Decision Structures Engaging multiple stakeholders Strong Communication Skills Clear value articulation Personalized Follow-Ups Enhancing satisfaction and referrals Why Personal Selling Matters in B2B Transactions Personal selling matters in B2B transactions because it helps you build strong, trusting relationships with clients. By understanding their unique needs, you can tailor solutions that truly address their challenges, leading to greater satisfaction. This personal touch not only fosters loyalty but also opens up opportunities for upselling or cross-selling, making your interactions more valuable. Building Trust and Relationships Trust is the foundation of successful business relationships, especially when it comes to sales. In B2B transactions, personal selling focuses on building this trust through direct interaction. You can define personal selling in marketing as a method where sales reps engage deeply with clients. For example, when you listen actively and tailor your communication, you address specific business challenges. This approach not only satisfies your clients but can also lead to repeat business, since retaining customers is often cheaper than acquiring new ones. Remember, happy clients are more likely to refer you. https://www.youtube.com/watch?v=bx48qPlaGvE Tailored Solutions for Businesses When it comes to B2B transactions, understanding how to provide tailored solutions can set you apart from the competition. Personal selling is essential here, as it enables you to address each client’s unique needs and challenges directly. For instance, when you listen to their concerns during meetings, you can offer specific solutions, which fosters trust and builds lasting relationships. Think about personal selling examples in marketing, like customized presentations that highlight how your product solves their problems. Remember, 74% of B2B buyers feel valued when they receive personalized interactions. So, focus on gathering feedback, adjusting your approach, and continually refining your offerings. This targeted strategy not only enhances the buying experience but also encourages repeat business. The Role of Trust in B2B Personal Selling In B2B personal selling, trust is essential for building long-term relationships with clients. When you establish credibility and reliability, you not only reduce resistance but also increase your chances of repeat business. Focus on demonstrating integrity and reliability in every interaction, as this can greatly shorten sales cycles and boost customer loyalty. Building Long-Term Relationships Building long-term relationships in B2B personal selling hinges on the trust you establish with your clients. Start by being transparent in all your communications; this builds confidence and reduces uncertainties. Make consistent follow-ups a priority, as they show your commitment to their needs. Understand their specific requirements by asking detailed questions during meetings, allowing you to tailor your solutions effectively. High-quality interactions create loyalty, making clients more likely to recommend you to others. Remember, satisfied clients can double your referrals, expanding your network. Focus on nurturing these connections, as long-term relationships can lead to a 25% increase in repeat business. Trust isn’t just an asset; it’s the foundation of your ongoing success in B2B sales. Establishing Credibility and Reliability Trust serves as the backbone of successful B2B personal selling, and establishing credibility and reliability is essential for fostering that trust. To build credibility, demonstrate a deep understanding of your client’s specific challenges. This shows you’re not just selling but solving problems. Consistent communication is key; follow up regularly to keep your promises, as 70% of buyers appreciate reliable follow-ups. Focus on personalized service, since B2B personal selling often involves fewer customers, allowing you to tailor your approach. Remember, 79% of buyers say trust influences their decisions, so aim for transparency in all interactions. When you establish yourself as a reliable partner, you increase the likelihood of repeat business by up to 50%, solidifying long-term relationships. Overcoming Sales Resistance Effectively Sales resistance can often feel like a brick wall between you and a successful deal. To overcome this, focus on building trust. Start by establishing rapport through personalized interactions; 60% of customers prefer salespeople who understand their unique challenges. Transparent communication is key, as honesty matters—47% of buyers want to see product benefits and drawbacks clearly laid out. Follow up consistently and provide post-sale support to reinforce trust; 70% of customers are more likely to return if they feel valued. Remember, 65% of business often comes from existing customers who trust you. Action Importance Outcome Build Rapport Reduces Sales Resistance More Trust Communicate Clearly Enhances Credibility Informed Decision-Making Follow Up Consistently Reinforces Trust Increases Repeat Business How Personal Interaction Uncovers Client Needs Personal interaction serves as a powerful tool in uncovering client needs in B2B sales. When you engage directly with clients, you can ask targeted questions that reveal specific needs often left unspoken in emails or reports. This face-to-face communication fosters trust, making clients more willing to share their challenges and requirements. During meetings or video calls, pay attention to non-verbal cues. These signals can help you adjust your approach in real-time, allowing you to address client concerns more effectively. Additionally, personal selling lets you gather qualitative feedback directly from clients, which can inform product development and service enhancements. Building rapport through these interactions not only helps uncover needs but also establishes stronger, long-term relationships. This connection often leads to repeat business and valuable referrals, making personal interaction essential for your success in B2B sales. Building Strong Customer Relationships Through Personal Selling To build strong customer relationships through personal selling, start by developing trust with your clients. Focus on understanding their unique needs and concerns, then offer tailored solutions that meet those specific requirements. Trust Development Strategies Building trust in B2B relationships is essential for your success and the success of your clients. You can implement effective trust development strategies by focusing on personalized communication, understanding client challenges, and offering relevant solutions. Here’s a simple approach to building trust: Strategy Description Benefits Active Listening Pay close attention to client needs Builds rapport and shows empathy Regular Follow-ups Check in post-sale Strengthens relationships Consultative Selling Position yourself as an advisor Increases loyalty and referrals Feedback Collection Encourage client input Enhances trust and improves service Tailored Solutions Approach A tailored solutions approach can transform how you connect with your B2B clients. Start by identifying their unique challenges and needs; this helps you offer customized solutions that resonate. Engage in personal selling to build strong relationships, fostering trust that leads to repeat business and referrals. Use immediate feedback to adjust your proposals, ensuring they align with client expectations. This adaptability not only showcases your commitment but also differentiates you in competitive markets. Remember, personalized interactions can turn first-time buyers into long-term partners. Focus on understanding their pain points, and you’ll create a loyal customer base that drives growth and stability for your business. Make each engagement count by prioritizing tailored solutions. How Personal Selling Affects Sales Cycles When you engage in personal selling, you can considerably shorten the B2B sales cycle by building direct relationships with your clients. By addressing their specific concerns and objections in real-time, you create a more efficient dialogue that speeds up decision-making. This personalized approach resonates better with multiple stakeholders, making them more likely to choose your solutions. Conduct thorough needs assessments during your interactions to uncover potential upsell opportunities. When you establish trust and rapport, client satisfaction increases, leading to quicker conversions and repeat business. Data suggests effective personal selling can boost your sales efficiency by 20%, showing its essential role in accelerating the sales process. Focus on fostering these relationships and adapting your strategies based on client feedback. By doing so, you’ll not only streamline your sales cycles but also enhance long-term partnerships that benefit both you and your clients. Customizing Solutions: A Core Principle of B2B Selling Customizing solutions is essential in B2B selling because it directly addresses the unique needs of each client. To effectively tailor your offerings, start by thoroughly understanding your client’s specific challenges and pain points. Ask questions that reveal their priorities and preferences, and listen closely to their responses. Once you gather this information, position your products or services as targeted solutions that directly tackle their issues. Remember, a study shows that 70% of B2B buyers prefer personalized interactions, so make every effort to connect on a personal level. Effective customization can greatly boost your closing rates, with some businesses seeing up to a 20% increase in sales performance. Focus on building long-term partnerships through customized solutions, which can lead to repeat business and referrals. By prioritizing your client’s unique needs, you’re setting the stage for sustainable growth and lasting relationships. Overcoming Objections With Effective Personal Selling Techniques Overcoming objections is an essential part of personal selling that can make or break a deal. Start by actively listening to your client’s concerns; this shows empathy and helps you address their objections directly. Prepare tailored responses for common objections, highlighting how your product’s unique value meets their needs. Use the “Feel-Felt-Found” method to relate to their experiences—share how others felt similarly but found success after choosing your solution. Building trust through transparent communication is fundamental; follow up consistently to reassure clients and make them feel confident in their decisions. Finally, leverage data and case studies during your conversations. Providing concrete evidence of your product’s effectiveness can effectively counter objections and reinforce customer satisfaction. Key Metrics for Success in B2B Personal Selling Effective personal selling doesn’t just hinge on overcoming objections; it also relies on understanding and measuring key success metrics. Start by tracking your conversion rate. Aiming for 20-30% means you’re effectively turning leads into customers. Next, monitor your sales cycle length. Knowing how long it takes to close a deal can highlight areas for improvement. Don’t forget about customer retention. A rate above 80% shows you’re building strong relationships, which leads to repeat business. Also, focus on increasing your average deal size. Successful upselling and cross-selling can greatly boost your revenue. Lastly, keep an eye on your sales activity metrics. Record the number of calls, emails, and meetings you have each week. This helps you assess your productivity and engagement levels with prospects. Top Challenges in B2B Personal Selling and How to Overcome Them While B2B personal selling can be rewarding, it often comes with significant challenges that can hinder your success. Long sales cycles are common, so focus on building relationships early and maintaining contact throughout the process. To reach decision-makers, try multithreading communication; connect with various stakeholders and build rapport with gatekeepers. High competition means you need to differentiate your offerings. Clearly emphasize unique features and demonstrate long-term value to justify your pricing. Be prepared for price sensitivity by showing potential ROI and offering flexible pricing options, like volume discounts. Lastly, ongoing relationship management is essential. B2B buyers expect personalized service, so follow up regularly to enhance customer satisfaction. Schedule check-ins and be proactive in addressing their needs. By tackling these challenges head-on, you can improve your effectiveness in B2B personal selling and foster lasting relationships. Strategies for Improving B2B Personal Selling Effectiveness To boost your B2B personal selling effectiveness, start by truly understanding your clients’ needs. This means listening actively and asking questions that reveal their unique challenges. Building strong relationships and using clear communication techniques can help you connect better, making your sales efforts more impactful. Understanding Client Needs Understanding client needs is essential for improving your B2B personal selling effectiveness. Start by conducting thorough research on your client’s industry and specific challenges. This enables you to present tailored solutions that resonate with decision-makers. When you communicate effectively about their goals and pain points, you build trust and rapport, which are vital for long-term relationships. Personalize your sales approach based on insights about their business needs, as this can greatly boost your conversion rates. Don’t forget to schedule regular follow-ups and collect feedback after initial meetings. This guarantees you stay aligned with their evolving needs, ultimately enhancing your overall sales effectiveness. 2. Building Strong Relationships Building strong relationships is a game-changer in B2B personal selling. By focusing on relationship management, you can greatly boost customer retention and revenue. Here are key strategies to implement: Communicate regularly: Keep in touch with clients through follow-ups and check-ins to build trust and satisfaction. Tailor your solutions: Understand your clients’ unique challenges and provide customized solutions to increase sales effectiveness. Network actively: Attend industry events and trade shows to establish valuable connections that can lead to long-term partnerships. 3. Effective Communication Techniques Effective communication techniques are essential in B2B personal selling, as they directly impact your ability to connect with clients and close deals. Start by practicing active listening; this helps you understand client needs and build trust. Next, tailor your messaging to address specific pain points and business goals, making your proposals more relevant. Clearly articulate your value proposition, so clients grasp the benefits of your products or services. Consistent follow-ups after meetings keep the conversation alive and show your commitment to their satisfaction. Finally, use visual aids to convey complex information effectively, making it easier for clients to grasp key points. Implementing these strategies will enhance your effectiveness and increase your success in B2B sales. Digital Trends in B2B Personal Selling As digital trends reshape B2B personal selling, leveraging these changes can markedly enhance your sales approach. To stay ahead, focus on these key areas: Social Media Engagement: Utilize platforms like LinkedIn since 79% of B2B marketers find them effective for lead generation. Create valuable connections by sharing insights and engaging with potential clients. AI and Personalization: Implement AI in your CRM to improve forecasting and lead scoring. About 61% of top sales teams use it to tailor their outreach, making your interactions more relevant. Content Marketing: Deliver insightful content, as 73% of buyers prefer sales professionals who provide useful information. This establishes you as a trusted resource. Embracing these digital trends not only boosts your efficiency but also enhances your relationships with clients, making your sales strategy more effective and impactful. Key Takeaways: The Importance of Personal Selling in B2B Harnessing the power of personal selling in B2B can greatly impact your success in building lasting client relationships. By focusing on personalized interactions, you foster trust and enhance customer loyalty. Engage in fewer, but more meaningful conversations that address specific business needs. Follow the four key steps of personal selling: prospecting, preapproach, approach, and follow-up. This structured method guarantees you connect strategically with potential clients. Offer customized solutions that cater to their unique challenges, leading to higher customer satisfaction. Satisfied clients are more likely to return and refer others, which is essential for growth. In a competitive market, personal selling distinguishes your offerings through direct communication, something automated systems can’t replicate. Make it a point to build these relationships and watch as your business thrives. Start today by refining your approach and committing to meaningful interactions with your clients. Frequently Asked Questions What Is B2B Personal Selling? B2B personal selling is when you engage directly with business clients to meet their needs. You build long-term relationships by understanding their challenges and tailoring your solutions. Start by identifying potential clients, then prepare your approach and present your product or service. Follow up consistently to guarantee satisfaction and address concerns. This method can help you gain repeat business and referrals, making your sales process more efficient and cost-effective over time. What Is the 3 3 3 Rule in Sales? The 3-3-3 Rule in sales helps you streamline your conversations. First, spend three minutes researching your prospect’s needs. Use this info to tailor your pitch, which should take another three minutes. Finally, close the conversation in three minutes, addressing any last concerns. This method keeps your dialogue focused and respectful of the prospect’s time, making it easier to adapt based on their feedback, ultimately increasing your chances of closing the deal. What Is B2B and Why Is It Important? B2B stands for business-to-business, and it’s essential because it involves transactions between companies, often resulting in larger sales and longer-term relationships. To succeed in B2B, focus on understanding your clients’ specific needs, as multiple stakeholders are usually involved. Build strong connections by providing tailored solutions, and emphasize client satisfaction. This approach not only boosts repeat business but also enhances your brand’s reputation, leading to sustainable growth in the competitive market. What Is the Role of Personal Selling in B2B? Personal selling in B2B builds strong client relationships, essential for understanding their unique needs. Start by researching potential clients to tailor your approach. During meetings, listen actively to identify challenges, and offer customized solutions. Follow up promptly to address any concerns and reinforce trust. Maintain regular contact to guarantee satisfaction and encourage referrals. Conclusion To conclude, B2B personal selling is essential for building relationships and understanding client needs. To enhance your effectiveness, focus on listening actively, customizing your approach, and establishing trust. Regularly follow up with clients to address their challenges and refine your solutions. Embrace digital tools to streamline communication and gather insights. By prioritizing personal connections and adapting your strategies, you can drive sales and foster long-term partnerships that benefit both you and your clients. Image via Google Gemini and ArtSmart This article, "What Is B2B Personal Selling and Its Importance?" was first published on Small Business Trends View the full article

B2B personal selling is all about direct interactions that help you understand your business clients’ unique needs. By customizing solutions, you build trust and enhance customer loyalty. To succeed, focus on effective communication, and don’t shy away from asking questions that uncover challenges. This approach not only drives sales but also lays the groundwork for long-term partnerships. So, what’s the best way to tackle the challenges you might face in this process? Key Takeaways B2B personal selling involves direct interactions between sales reps and business clients, focusing on tailored solutions for specific needs. It fosters strong client relationships, enhancing trust, loyalty, and opportunities for upselling or cross-selling. Understanding client challenges through effective communication reduces sales resistance and shortens sales cycles. Customized solutions can boost closing rates by up to 20%, addressing unique business priorities. Engaging in digital trends like social media and AI enhances efficiency and strengthens client relationships. What Is B2B Personal Selling? B2B personal selling is all about direct interaction between sales representatives and business clients. This approach focuses on understanding and addressing the specific needs of each client’s organization. By engaging directly, you can build trust and foster relationships, which are essential for maneuvering through complex sales processes. The personal selling definition encompasses a tailored sales pitch that aligns with the buyer’s unique challenges and goals, enhancing your chances of closing deals. The personal selling process involves skilled professionals who engage in active listening, problem-solving, and relationship management. You need to take into account that buying decisions in B2B environments often involve multiple stakeholders and can take several months to finalize. To succeed, prioritize understanding your client’s needs, and offer customized solutions that resonate with their objectives. By doing so, you’ll strengthen your business relationships and secure long-term partnerships, making your sales efforts more effective. Key Characteristics of B2B Personal Selling Personal relationships are at the heart of successful B2B personal selling. To thrive in this area, you need to understand key characteristics that define personal selling in marketing. First, focus on building long-term relationships by investing time in learning about your clients’ needs. This approach allows you to offer customized solutions to their specific challenges. Navigating complex decision-making structures is another crucial step in personal selling. Multiple stakeholders often influence purchasing decisions, so strong communication skills are essential. You’ll need to articulate value propositions clearly and handle objections effectively. Finally, don’t forget the importance of personalized follow-ups. They guarantee customer satisfaction and can lead to repeat business and referrals. Here’s a quick overview: Characteristic Importance Relationship Building Long-term trust and loyalty Customized Solutions Addressing specific business challenges Complex Decision Structures Engaging multiple stakeholders Strong Communication Skills Clear value articulation Personalized Follow-Ups Enhancing satisfaction and referrals Why Personal Selling Matters in B2B Transactions Personal selling matters in B2B transactions because it helps you build strong, trusting relationships with clients. By understanding their unique needs, you can tailor solutions that truly address their challenges, leading to greater satisfaction. This personal touch not only fosters loyalty but also opens up opportunities for upselling or cross-selling, making your interactions more valuable. Building Trust and Relationships Trust is the foundation of successful business relationships, especially when it comes to sales. In B2B transactions, personal selling focuses on building this trust through direct interaction. You can define personal selling in marketing as a method where sales reps engage deeply with clients. For example, when you listen actively and tailor your communication, you address specific business challenges. This approach not only satisfies your clients but can also lead to repeat business, since retaining customers is often cheaper than acquiring new ones. Remember, happy clients are more likely to refer you. https://www.youtube.com/watch?v=bx48qPlaGvE Tailored Solutions for Businesses When it comes to B2B transactions, understanding how to provide tailored solutions can set you apart from the competition. Personal selling is essential here, as it enables you to address each client’s unique needs and challenges directly. For instance, when you listen to their concerns during meetings, you can offer specific solutions, which fosters trust and builds lasting relationships. Think about personal selling examples in marketing, like customized presentations that highlight how your product solves their problems. Remember, 74% of B2B buyers feel valued when they receive personalized interactions. So, focus on gathering feedback, adjusting your approach, and continually refining your offerings. This targeted strategy not only enhances the buying experience but also encourages repeat business. The Role of Trust in B2B Personal Selling In B2B personal selling, trust is essential for building long-term relationships with clients. When you establish credibility and reliability, you not only reduce resistance but also increase your chances of repeat business. Focus on demonstrating integrity and reliability in every interaction, as this can greatly shorten sales cycles and boost customer loyalty. Building Long-Term Relationships Building long-term relationships in B2B personal selling hinges on the trust you establish with your clients. Start by being transparent in all your communications; this builds confidence and reduces uncertainties. Make consistent follow-ups a priority, as they show your commitment to their needs. Understand their specific requirements by asking detailed questions during meetings, allowing you to tailor your solutions effectively. High-quality interactions create loyalty, making clients more likely to recommend you to others. Remember, satisfied clients can double your referrals, expanding your network. Focus on nurturing these connections, as long-term relationships can lead to a 25% increase in repeat business. Trust isn’t just an asset; it’s the foundation of your ongoing success in B2B sales. Establishing Credibility and Reliability Trust serves as the backbone of successful B2B personal selling, and establishing credibility and reliability is essential for fostering that trust. To build credibility, demonstrate a deep understanding of your client’s specific challenges. This shows you’re not just selling but solving problems. Consistent communication is key; follow up regularly to keep your promises, as 70% of buyers appreciate reliable follow-ups. Focus on personalized service, since B2B personal selling often involves fewer customers, allowing you to tailor your approach. Remember, 79% of buyers say trust influences their decisions, so aim for transparency in all interactions. When you establish yourself as a reliable partner, you increase the likelihood of repeat business by up to 50%, solidifying long-term relationships. Overcoming Sales Resistance Effectively Sales resistance can often feel like a brick wall between you and a successful deal. To overcome this, focus on building trust. Start by establishing rapport through personalized interactions; 60% of customers prefer salespeople who understand their unique challenges. Transparent communication is key, as honesty matters—47% of buyers want to see product benefits and drawbacks clearly laid out. Follow up consistently and provide post-sale support to reinforce trust; 70% of customers are more likely to return if they feel valued. Remember, 65% of business often comes from existing customers who trust you. Action Importance Outcome Build Rapport Reduces Sales Resistance More Trust Communicate Clearly Enhances Credibility Informed Decision-Making Follow Up Consistently Reinforces Trust Increases Repeat Business How Personal Interaction Uncovers Client Needs Personal interaction serves as a powerful tool in uncovering client needs in B2B sales. When you engage directly with clients, you can ask targeted questions that reveal specific needs often left unspoken in emails or reports. This face-to-face communication fosters trust, making clients more willing to share their challenges and requirements. During meetings or video calls, pay attention to non-verbal cues. These signals can help you adjust your approach in real-time, allowing you to address client concerns more effectively. Additionally, personal selling lets you gather qualitative feedback directly from clients, which can inform product development and service enhancements. Building rapport through these interactions not only helps uncover needs but also establishes stronger, long-term relationships. This connection often leads to repeat business and valuable referrals, making personal interaction essential for your success in B2B sales. Building Strong Customer Relationships Through Personal Selling To build strong customer relationships through personal selling, start by developing trust with your clients. Focus on understanding their unique needs and concerns, then offer tailored solutions that meet those specific requirements. Trust Development Strategies Building trust in B2B relationships is essential for your success and the success of your clients. You can implement effective trust development strategies by focusing on personalized communication, understanding client challenges, and offering relevant solutions. Here’s a simple approach to building trust: Strategy Description Benefits Active Listening Pay close attention to client needs Builds rapport and shows empathy Regular Follow-ups Check in post-sale Strengthens relationships Consultative Selling Position yourself as an advisor Increases loyalty and referrals Feedback Collection Encourage client input Enhances trust and improves service Tailored Solutions Approach A tailored solutions approach can transform how you connect with your B2B clients. Start by identifying their unique challenges and needs; this helps you offer customized solutions that resonate. Engage in personal selling to build strong relationships, fostering trust that leads to repeat business and referrals. Use immediate feedback to adjust your proposals, ensuring they align with client expectations. This adaptability not only showcases your commitment but also differentiates you in competitive markets. Remember, personalized interactions can turn first-time buyers into long-term partners. Focus on understanding their pain points, and you’ll create a loyal customer base that drives growth and stability for your business. Make each engagement count by prioritizing tailored solutions. How Personal Selling Affects Sales Cycles When you engage in personal selling, you can considerably shorten the B2B sales cycle by building direct relationships with your clients. By addressing their specific concerns and objections in real-time, you create a more efficient dialogue that speeds up decision-making. This personalized approach resonates better with multiple stakeholders, making them more likely to choose your solutions. Conduct thorough needs assessments during your interactions to uncover potential upsell opportunities. When you establish trust and rapport, client satisfaction increases, leading to quicker conversions and repeat business. Data suggests effective personal selling can boost your sales efficiency by 20%, showing its essential role in accelerating the sales process. Focus on fostering these relationships and adapting your strategies based on client feedback. By doing so, you’ll not only streamline your sales cycles but also enhance long-term partnerships that benefit both you and your clients. Customizing Solutions: A Core Principle of B2B Selling Customizing solutions is essential in B2B selling because it directly addresses the unique needs of each client. To effectively tailor your offerings, start by thoroughly understanding your client’s specific challenges and pain points. Ask questions that reveal their priorities and preferences, and listen closely to their responses. Once you gather this information, position your products or services as targeted solutions that directly tackle their issues. Remember, a study shows that 70% of B2B buyers prefer personalized interactions, so make every effort to connect on a personal level. Effective customization can greatly boost your closing rates, with some businesses seeing up to a 20% increase in sales performance. Focus on building long-term partnerships through customized solutions, which can lead to repeat business and referrals. By prioritizing your client’s unique needs, you’re setting the stage for sustainable growth and lasting relationships. Overcoming Objections With Effective Personal Selling Techniques Overcoming objections is an essential part of personal selling that can make or break a deal. Start by actively listening to your client’s concerns; this shows empathy and helps you address their objections directly. Prepare tailored responses for common objections, highlighting how your product’s unique value meets their needs. Use the “Feel-Felt-Found” method to relate to their experiences—share how others felt similarly but found success after choosing your solution. Building trust through transparent communication is fundamental; follow up consistently to reassure clients and make them feel confident in their decisions. Finally, leverage data and case studies during your conversations. Providing concrete evidence of your product’s effectiveness can effectively counter objections and reinforce customer satisfaction. Key Metrics for Success in B2B Personal Selling Effective personal selling doesn’t just hinge on overcoming objections; it also relies on understanding and measuring key success metrics. Start by tracking your conversion rate. Aiming for 20-30% means you’re effectively turning leads into customers. Next, monitor your sales cycle length. Knowing how long it takes to close a deal can highlight areas for improvement. Don’t forget about customer retention. A rate above 80% shows you’re building strong relationships, which leads to repeat business. Also, focus on increasing your average deal size. Successful upselling and cross-selling can greatly boost your revenue. Lastly, keep an eye on your sales activity metrics. Record the number of calls, emails, and meetings you have each week. This helps you assess your productivity and engagement levels with prospects. Top Challenges in B2B Personal Selling and How to Overcome Them While B2B personal selling can be rewarding, it often comes with significant challenges that can hinder your success. Long sales cycles are common, so focus on building relationships early and maintaining contact throughout the process. To reach decision-makers, try multithreading communication; connect with various stakeholders and build rapport with gatekeepers. High competition means you need to differentiate your offerings. Clearly emphasize unique features and demonstrate long-term value to justify your pricing. Be prepared for price sensitivity by showing potential ROI and offering flexible pricing options, like volume discounts. Lastly, ongoing relationship management is essential. B2B buyers expect personalized service, so follow up regularly to enhance customer satisfaction. Schedule check-ins and be proactive in addressing their needs. By tackling these challenges head-on, you can improve your effectiveness in B2B personal selling and foster lasting relationships. Strategies for Improving B2B Personal Selling Effectiveness To boost your B2B personal selling effectiveness, start by truly understanding your clients’ needs. This means listening actively and asking questions that reveal their unique challenges. Building strong relationships and using clear communication techniques can help you connect better, making your sales efforts more impactful. Understanding Client Needs Understanding client needs is essential for improving your B2B personal selling effectiveness. Start by conducting thorough research on your client’s industry and specific challenges. This enables you to present tailored solutions that resonate with decision-makers. When you communicate effectively about their goals and pain points, you build trust and rapport, which are vital for long-term relationships. Personalize your sales approach based on insights about their business needs, as this can greatly boost your conversion rates. Don’t forget to schedule regular follow-ups and collect feedback after initial meetings. This guarantees you stay aligned with their evolving needs, ultimately enhancing your overall sales effectiveness. 2. Building Strong Relationships Building strong relationships is a game-changer in B2B personal selling. By focusing on relationship management, you can greatly boost customer retention and revenue. Here are key strategies to implement: Communicate regularly: Keep in touch with clients through follow-ups and check-ins to build trust and satisfaction. Tailor your solutions: Understand your clients’ unique challenges and provide customized solutions to increase sales effectiveness. Network actively: Attend industry events and trade shows to establish valuable connections that can lead to long-term partnerships. 3. Effective Communication Techniques Effective communication techniques are essential in B2B personal selling, as they directly impact your ability to connect with clients and close deals. Start by practicing active listening; this helps you understand client needs and build trust. Next, tailor your messaging to address specific pain points and business goals, making your proposals more relevant. Clearly articulate your value proposition, so clients grasp the benefits of your products or services. Consistent follow-ups after meetings keep the conversation alive and show your commitment to their satisfaction. Finally, use visual aids to convey complex information effectively, making it easier for clients to grasp key points. Implementing these strategies will enhance your effectiveness and increase your success in B2B sales. Digital Trends in B2B Personal Selling As digital trends reshape B2B personal selling, leveraging these changes can markedly enhance your sales approach. To stay ahead, focus on these key areas: Social Media Engagement: Utilize platforms like LinkedIn since 79% of B2B marketers find them effective for lead generation. Create valuable connections by sharing insights and engaging with potential clients. AI and Personalization: Implement AI in your CRM to improve forecasting and lead scoring. About 61% of top sales teams use it to tailor their outreach, making your interactions more relevant. Content Marketing: Deliver insightful content, as 73% of buyers prefer sales professionals who provide useful information. This establishes you as a trusted resource. Embracing these digital trends not only boosts your efficiency but also enhances your relationships with clients, making your sales strategy more effective and impactful. Key Takeaways: The Importance of Personal Selling in B2B Harnessing the power of personal selling in B2B can greatly impact your success in building lasting client relationships. By focusing on personalized interactions, you foster trust and enhance customer loyalty. Engage in fewer, but more meaningful conversations that address specific business needs. Follow the four key steps of personal selling: prospecting, preapproach, approach, and follow-up. This structured method guarantees you connect strategically with potential clients. Offer customized solutions that cater to their unique challenges, leading to higher customer satisfaction. Satisfied clients are more likely to return and refer others, which is essential for growth. In a competitive market, personal selling distinguishes your offerings through direct communication, something automated systems can’t replicate. Make it a point to build these relationships and watch as your business thrives. Start today by refining your approach and committing to meaningful interactions with your clients. Frequently Asked Questions What Is B2B Personal Selling? B2B personal selling is when you engage directly with business clients to meet their needs. You build long-term relationships by understanding their challenges and tailoring your solutions. Start by identifying potential clients, then prepare your approach and present your product or service. Follow up consistently to guarantee satisfaction and address concerns. This method can help you gain repeat business and referrals, making your sales process more efficient and cost-effective over time. What Is the 3 3 3 Rule in Sales? The 3-3-3 Rule in sales helps you streamline your conversations. First, spend three minutes researching your prospect’s needs. Use this info to tailor your pitch, which should take another three minutes. Finally, close the conversation in three minutes, addressing any last concerns. This method keeps your dialogue focused and respectful of the prospect’s time, making it easier to adapt based on their feedback, ultimately increasing your chances of closing the deal. What Is B2B and Why Is It Important? B2B stands for business-to-business, and it’s essential because it involves transactions between companies, often resulting in larger sales and longer-term relationships. To succeed in B2B, focus on understanding your clients’ specific needs, as multiple stakeholders are usually involved. Build strong connections by providing tailored solutions, and emphasize client satisfaction. This approach not only boosts repeat business but also enhances your brand’s reputation, leading to sustainable growth in the competitive market. What Is the Role of Personal Selling in B2B? Personal selling in B2B builds strong client relationships, essential for understanding their unique needs. Start by researching potential clients to tailor your approach. During meetings, listen actively to identify challenges, and offer customized solutions. Follow up promptly to address any concerns and reinforce trust. Maintain regular contact to guarantee satisfaction and encourage referrals. Conclusion To conclude, B2B personal selling is essential for building relationships and understanding client needs. To enhance your effectiveness, focus on listening actively, customizing your approach, and establishing trust. Regularly follow up with clients to address their challenges and refine your solutions. Embrace digital tools to streamline communication and gather insights. By prioritizing personal connections and adapting your strategies, you can drive sales and foster long-term partnerships that benefit both you and your clients. Image via Google Gemini and ArtSmart This article, "What Is B2B Personal Selling and Its Importance?" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. 41 years ago, The Golden Girls taught us to pay attention to older people, who still have plenty to offer; that same year, Ron Howard's Cocoon taught us about the importance of leveraging alien eggs for eternal youth. That last one is probably slightly more relevant to sci-fi thriller The Boroughs, though it does feel like it's been a while since retirees have had the spotlight on television. The new Netflix show finds an invariably talented and thoroughly recognizable cast (Alfred Molina, Alfre Woodard, Denis O'Hare, Clarke Peters, and Geena Davis, among others) confronting a series of freaky mysteries in their seemingly idyllic, but entirely remote, retirement community. We're due for a senior moment. It's rare enough lately that I wasn't able to come up with the full list of retiree-related horror/sci-fi/mystery shows that I wanted to (and would absolutely watch), but there are still some solid vibe matches that take us to a variety of creepy little towns to, hopefully, find some older people taking care of business. Widow's Bay (2026 – ) Another recent addition to the atlas of regrettable vacation destinations is Widow's Bay, an isolated New England island trying to shrug off its townie reputation in favor of becoming a tourist destination à la Martha's Vineyard—but, alas, the timing isn't great. Cozy and idyllic on the surface, Widow's Bay appears to be "waking up," according to a few of the more tuned-in locals. Mayor Tom Loftus (Matthew Rhys), a relative newcomer, is having none of it—at least until a killer clown and waterlogged lady come for him, convincing him to join forces with local eccentric Wyck (Stephen Root) who is, it would seem, on to something. The show is frequently funny, but also legitimately scary. Stream Widow's Bay on Apple TV. Widow's Bay (2026 – ) at Apple TV Learn More Learn More at Apple TV Stranger Things (2016 – 2025) On the surface, Stranger Things and The Boroughs don't have a ton in common beyond the sci-fi/horror angle (and the presence of The Duffer Brothers, who created the one and executive produce the other), but the vibes here are strangely aligned. Both shows have a reverence for the genre movies of the 1980s, and each owes a debt to Steven Spielberg and Ron Howard—even though one is set in the past and one in the present, both feel like they could easily exist in the universe of E.T. or Cocoon. You're probably familiar with Stranger Things by now, but just in case: An ensemble cast of mostly kids uncover dark deeds in their small Indiana town after a mysterious girl named Eleven (Millie Bobby Brown) turns up displaying psychokinetic powers. Stream Stranger Things on Netflix. Stranger Things (2016 – 2025) at Netflix Learn More Learn More at Netflix The Midwich Cuckoos (2022) You almost certainly know this story as Village of the Damned, the title under which it's been adapted twice previously. This isn't quite a perfect adaptation of John Wyndham's darkly satirical science fiction novel, but it's likely as close as we've come, capturing the novel's eeriness if not entirely its sense of humor. A blackout in the titular English village leaves everyone unconscious for 24 hours—and everyone that could possibly be pregnant, expecting. The emotionally distant children are decidedly creepy, even more so than normal for kids, and things only get more concerning when they develop telekinetic powers. As in The Boroughs, the youth are not to be trusted. Stream The Midwich Cuckoos on AMC+. The Midwich Cuckoos (2022) at AMC+ Learn More Learn More at AMC+ A Man on the Inside (2024 – ) No weird aliens nor horror here, but we do get some stars-from-those-things-you-liked, a retirement community setting, and some much-needed reminders that "old" doesn't mean "irrelevant." Ted Danson plays Charles Nieuwendyk, a hapless retired professor and recent widower who listens to his daughter's plea that he find something to keep him occupied. He answers an ad from a private investigator looking for someone to go undercover by moving into an elder-care facility in San Francisco in hopes of discovering who's been stealing the residents' jewelry. As he comes to care about the people he's investigating (and lying to), his job only gets harder. Sally Struthers, Margaret Avery, Susan Ruttan, Veronica Cartwright, and Clyde Kusatsu are among the very recognizable supporting cast, joined in season two by Mary Steenburgen. A third season is on the way. Stream A Man on the Inside on Netflix. A Man on the Inside (2024 – ) at Netflix Learn More Learn More at Netflix Them (2021 – 2024) Less with the generational conflict of many of these other shows, but rather the story of horror in a seemingly idyllic, made-to-order locale. Starting off in the 1950s, Them takes a stab at The Second Great Migration, when millions of Black people left the South for northern cities and suburbs; seeking opportunity and escaping overt racism in favor of ... slightly more veiled racism. The Emory family (led by Deborah Ayorinde and Ashley Thomas) move from North Carolina to an all-white neighborhood in East Compton, each family member eventually haunted by a different ghost. The picket fences and smiling white faces concealing vicious intent are far more frightening than any of the specters. The second, and final, season moves forward to LA of 1991, by which time some things have changed while others remain hauntingly the same. Stream Them on Prime Video. Them (2021 – 2024) at Prime Video Learn More Learn More at Prime Video The Frog (2024) Following his wife's death, Yeong-ha (Kim Yoon-seok) just wants a quiet life in the secluded town where he lives, renting out the house next door as a vacation rental—though he's not even all that enthusiastic about that. (The show gets bonus streamline points here for being headed by a grumpy loner guy who inexplicably puts himself into a situation where he's going to have to deal with people.) It's all going fine until a young woman shows up with her son, the same woman abruptly leaving behind blood stains and—even more disturbingly—the kid. Though it's a bit of a spoiler, this very-slow-burn and cinematic thriller takes place in multiple time periods—a clever storytelling technique given the show's unchanging locale. Stream The Frog on Netflix. The Frog (2024) at Netflix Learn More Learn More at Netflix Castle Rock (2018 – 2019) The short-lived series took us on a deep dive into Stephen King's favorite location (well, maybe tied with Derry), the seemingly idyllic Castle Rock, Maine. There are multiple overlapping stories here, but Sissy Spacek's Ruth Deaver is a major character across the first season, and takes over for the episode “The Queen,” told from the unstable perspective of Ruth, a character with worsening dementia. It was one of the best, and most existentially horrifying, things on television that year. The Boroughs plays with the idea that the young people don't take older people seriously, even when perfectly cognizant, while Ruth's character is one who has still has plenty of important things to say, even as her own grip on reality falters. The cast across the two seasons is stellar, and includes Bill Skarsgård, a creepy character not named Pennywise. Stream Castle Rock on Disney+, Hulu, and Netflix. Castle Rock (2018 – 2019) at Disney+ Learn More Learn More at Disney+ Gannibal (2022 – ) Another remote, charming town with some deep, dark secrets (the biggest of which is rather strongly hinted in the title), Gannibal stars Yuya Yagira as Daigo Agawa, a police officer from the big city who takes a job in the super cute (and, of course, remote) village of Kuge following some personal trouble. The perfectly charming Goto family runs the town, more or less, and welcome Daigo and his family. It's all looking pretty great—until a mysterious man gives Daigo's daughter a severed finger as a gift, and his wife Yuki finds the words "Run Away" scrawled over a door in their new home. Just a couple of reasons why I'm more of a city person. Stream Gannibal on Disney+ and Hulu. Gannibal (2022 – ) at Disney+ Learn More Learn More at Disney+ Wayward Pines (2015 – 2016) Based on a trilogy of Blake Crouch novels, this one stars, initially, Matt Dillon as a Secret Service agent investigating the disappearances of two fellow agents in the Idaho town of Wayward Pines. Things go awry pretty much immediately, and he wakes up from a car accident to find one of the agents (Carla Gugino), who's also his ex, having settled down in the seemingly idyllic community—and she's 12 years older than when he last saw her a few weeks ago. Even more dramatically, the local sheriff (Terrence Howard) enforces a strict "no one ever leaves" policy, on pain of having one's neck slit. The mysteries pile up from there. Stream Wayward Pines on Hulu and Disney+. Wayward Pines (2015 – 2016) at Hulu Learn More Learn More at Hulu Tales From the Loop (2020) A gorgeous-looking anthology, Tales From the Loop takes place in the small town of Mercer, Ohio—a town that happens to sit upon the titular Loop, a physics lab exploring mysteries for which science has no answers. Each episode offers the story of a person or family in the town impacted by the work of the Loop (founded by Russ, played by Jonathan Pryce), in slow-burning stories about the intersection of technology and human existence. It’s based on a conceptual art book by artist Simon Stålenhag, and successfully ports over the book’s striking look and feel. The show often feels very much like a meditation on some of its sci-fi themes—it's a bit gentler than something like Black Mirror, and not as frightening as The Boroughs, but still explores the threats that unchecked science can pose to our humanity. Stream Tales From the Loop on Prime Video. Tales from the Loop (2020) at Prime Video Learn More Learn More at Prime Video View the full article

On Monday, Pope Leo XIV made history by becoming the first pope to personally present an encyclical, a letter of great importance in which a pope explains his views on a major moral or social challenge facing the world, to his followers. The leader of the Catholic Church didn’t do so on his own, however. He had help in unveiling the encyclical, “Magnifica humanitas: On safeguarding the human person in the time of artificial intelligence.” The Anthropic cofounder and self-proclaimed atheist Christopher Olah was also present. An unlikely speaker The Vatican doesn’t normally invite outsiders to speak, let alone those in the tech industry. But Leo, who has issued numerous warnings on AI before, clearly had an urgent point to make due to “the gravity of the moment,” he said. In the pope’s view, that moment is one where a few powerful people control the fate of the world. Leo didn’t name names, but it seemed clear he was speaking about—and to—the billionaire executives in charge of the largest tech companies. “When such power is concentrated in the hands of a few,” he warned in the letter, “it tends to become opaque and evade public oversight, increasing the risk of distorted forms of development that give rise to new dependencies, exclusions, manipulations and inequalities.” He continued, explaining the importance of “freeing technology from monopolistic control and opening it to discussion and debate” by “making it human-friendly and restoring it to the plurality of human cultures and ways of life.” Interestingly, Leo and Olah weren’t at odds over the point, or any of the views presented in their speeches. In fact, the tech founder and religious leader appeared deeply aligned. Where does Christopher Olah fit in? Out of the gate, Olah presented himself as a different kind of tech founder: one who is cautious, even worried, about AI. He began his speech by calling himself a person who got into AI work because he “has a desire to help things go well for humanity.” Still, he warned that even those who feel similarly can easily get caught up in the technology’s capabilities. “Every frontier AI lab, including Anthropic, operates inside a set of incentives and constraints that can sometimes conflict with doing the right thing,” he told the audience. He even asserted that he shares Leo’s view that AI is dangerous when controlled by a powerful few. “AI development is concentrated in a handful of wealthy nations. How can we ​ensure the gains of AI are shared globally?” he asked. AI could ‘displace human labor’ Interestingly, the tech founder is known for his groundbreaking research on AI “interpretability,” or how to make machines more human friendly. He previously led interpretability research at OpenAI. So his stance that humans must be able to remain in control of the technology is not much different from Leo’s. Both Olah and Leo also spoke to something that has been on the minds of many in recent years: AI’s impacts on workers. While we’ve heard those in the tech sector make wildly appealing promises about AI’s ability to create jobs, Olah didn’t stick to the script. “There is a real possibility that AI will displace human labor at a very large scale. If that happens, supporting those who have been displaced will be a moral imperative of historic proportions,” he said. A call for collaboration Perhaps the greatest takeaway from both Leo and Olah, however, was their joint call for continued collaboration. Olah pressed the point that while those who are skilled in science and math may be the ones creating powerful technology, that doesn’t mean they are the people best equipped to make choices about how it is used. He said conversations among tech leaders and religious and moral leaders are crucial in keeping AI in check. “It is through dialogue and mutual effort, through the push and pull, that humanity will achieve great things,” Olah said. “That is what I see in Magnifica humanitas, and it is why I am grateful to his holiness and to the church for taking up this work of discernment,” he added. Leo echoed the call, noting that “the church wishes, with humility and frankness, to be part of conversations on artificial intelligence.” He said the church may not have “technical answers” and doesn’t wish to “displace those with expertise.” Instead, he offered the idea that the church has something else to give: “a wisdom concerning the human that our present time desperately needs.” That wisdom, according to both Leo and Olah alike, may be hard to find when talking to the powerful few who are at the helm of AI. View the full article

Crude oil futures dropped sharply Sunday, triggering bullish Treasury gaps. The head of correspondent business development at AD Mortgage writes about what it means for yields. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The Asus ROG Strix XG34WCDG packs a 34-inch QD-OLED panel with a 3440x1440 resolution, 175Hz refresh rate, and a near-instant 0.03ms response time into a monitor that can comfortably handle both high-end gaming and creative workloads. It also comes factory-calibrated, so color accuracy is already dialed in out of the box instead of requiring extra tweaking. Normally priced at $999, it’s currently down to $699—the lowest price it’s ever hit, according to price-tracking tools. ASUS ROG Strix 34” Ultrawide Gaming Monitor (XG34WCDG) $699.00 at Amazon $999.00 Save $300.00 Get Deal Get Deal $699.00 at Amazon $999.00 Save $300.00 The QD-OLED panel is the main draw here. You get OLED's perfect blacks and near-instant pixel response combined with quantum dot color performance, while the 1800R curve adds genuine wraparound immersion without making straight lines look warped. Plus, the matte coating on this panel keeps it usable when there's ambient light in the room—a real consideration on glossy OLED panels. Asus also takes burn-in seriously, pairing a custom heatsink and graphene film cooling with a full OLED Care Pro software suite that shifts pixels, dims the screen when you walk away, and watches for static UI elements like taskbars and HUDs. It's a lot of infrastructure for a problem that shouldn't come up often, but it's reassuring to have. On the gaming side, AMD FreeSync Premium Pro and G-Sync compatibility keep gameplay smooth across both AMD and NVIDIA setups, especially at the monitor’s native 175Hz refresh rate. That said, ultrawide support remains inconsistent in some games, with certain titles adding black bars or awkward UI scaling. OLED brightness is also best in controlled lighting rather than a room flooded with direct sunlight. And while the USB-C port is convenient for charging accessories or connecting lightweight devices, the 15W power delivery falls well short of what you'd want for a proper single-cable laptop setup. Still, for anyone who wants one display that can handle fast-paced gaming, immersive ultrawide experiences, and creative work without obvious compromises, $699 for this panel is a legitimate no-brainer. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $148.99 (List Price $179.00) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $329.00 (List Price $399.00) Apple iPad 11" A16 128GB Wi-Fi Tablet (Silver, 2025) — $299.99 (List Price $349.00) Fire TV Stick 4K Plus Streaming Player With Remote (2025 Model) — $29.99 (List Price $49.99) Sonos Move 2 — $399.00 (List Price $499.00) Sony WH1000XM6- Best Wireless Noise Canceling Headphones — $398.00 (List Price $459.99) Ring 2nd Gen 2K Wired Video Doorbell (2026 Release) — $49.99 (List Price $79.99) Deals are selected by our commerce team View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. A 100-inch TV used to be the kind of purchase reserved for sports bars and people with more money than restraint. The Samsung QN80F is changing that math. Right now, the 100-inch model is down to $3,997.99 from $5,497.99—a $1,500 drop—and price trackers confirm this is a record low. That's still a serious chunk of change, but for a Mini LED TV with four HDMI 2.1 ports all running 4K at 144Hz with full VRR support, it's a genuinely hard number to argue with. Samsung 100-Inch QN80F TV $3,997.99 at Amazon $5,497.99 Save $1,500.00 Get Deal Get Deal $3,997.99 at Amazon $5,497.99 Save $1,500.00 The QN80F is Samsung's mid-tier Neo QLED for 2025, and an upgrade over the Q80D from 2024. Its Mini LED backlighting means better contrast and local dimming than a standard QLED, and the NQ4 AI Gen2 processor handles 4K upscaling well enough that your library of non-4K content won't look embarrassing on a screen this size. It's a particularly strong pick for living room gaming setups, too, with low input lag, solid format support, and a suite of gaming features that punch above this price tier. That said, it's not a perfect TV. Black uniformity isn't great, so dark rooms with bright highlights will show some haloing and clouding. Motion handling at 60Hz is also a weak point, so if you're a competitive gamer or a sports fanatic, you'll want to look at the QN90F or a similarly spec'd Hisense/TCL before pulling the trigger. The screen is also quite reflective—it handles ambient light well, but direct glare from windows or lamps will be genuinely distracting. Also, if you're a home theater purist, note that, while this TV supports HDR10+, it lacks Dolby Vision. The 75-inch QN80F is also down to its lowest price yet at $1,297.99 for anyone who doesn’t quite have room for the 100-inch model. But for people who can make the larger size work, deals like this are usually the closest you get to a truly theater-sized screen without spending several thousand dollars more. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $148.99 (List Price $179.00) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $329.00 (List Price $399.00) Apple iPad 11" A16 128GB Wi-Fi Tablet (Silver, 2025) — $299.99 (List Price $349.00) Fire TV Stick 4K Plus Streaming Player With Remote (2025 Model) — $29.99 (List Price $49.99) Sonos Move 2 — $399.00 (List Price $499.00) Sony WH1000XM6- Best Wireless Noise Canceling Headphones — $398.00 (List Price $459.99) Ring 2nd Gen 2K Wired Video Doorbell (2026 Release) — $49.99 (List Price $79.99) Deals are selected by our commerce team View the full article

When you make a regular phone call from your mobile device, it is not guaranteed to be secure. Cellular protocols are not encrypted end-to-end, meaning that audio could be intercepted along the way, such as by carriers, law enforcement, or threat actors. You may have worked to ensure end-to-end encryption (E2EE) for your text messages using a secure messaging app or specific iOS-to-iOS and cross-platform RCS protocols, but the same consideration can be made for voice calls you want to keep private. What is end-to-end encryption? End-to-end encryption protects the contents of messages and calls between users. Everything is scrambled in between and can only be unlocked and accessed on the recipient's device with the correct decryption key. This means that the data can't be intercepted or read by anyone else, including the tech companies that own the messaging apps. These are the best apps for encrypted calls Many of the secure messaging apps that you use for encrypting text conversations can also be used to make private calls: Signal: Signal is one of the best privacy-focused messaging apps available, with E2EE for all messages and calls. By default, conversations can only be read or heard by you and the recipient. WhatsApp: All messages and calls within WhatsApp are also automatically encrypted end to end. Messenger: Facebook Messenger also has E2EE on by default for all conversations, including messages and calls. (Meta just recently removed E2EE for DMs on Instagram.) Discord: Discord began rolling out E2EE for voice and video calls in 2024 and has now made this the default setting for all users. FaceTime: iOS users can take advantage of E2EE with FaceTime voice and video calls to other Apple devices. Viber: Viber is a voice over IP (VoIP) platform that allows for E2EE audio and video calls. In addition, some video conferencing platforms like Microsoft Teams and Zoom have options to enable end-to-end encryption for meetings and calls. Calls between Android phones on Google Fi Wireless are also E2EE. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Nothing over-ear headphones have been quietly taking over the audio game since launching in 2025, with a unique industrial aesthetic, impressive battery life, and ANC that rivals top brands like JBL and Sony. Launched in 2026, the Nothing Headphone(a) are a more affordable alternative to the flagship Nothing Headphone(1)—and still retain many of the same premium features and overall vibe. Right now, a pair is 15% off, bringing the price down to a record-low $169 (originally $199). Nothing Headphone(a) $169.00 at Amazon $199.00 Save $30.00 Get Deal Get Deal $169.00 at Amazon $199.00 Save $30.00 These wireless ANC headphones, which earned a PCMag Editors' Choice Award, feature class-leading battery life, excellent sound, and effective noise cancellation. They last up to 135 hours with ANC and AAC codec off, and 75 hours with ANC on. A quick five-minute charge gives you up to eight minutes of playback, and the headphones completely recharge in two hours. The app lets you switch listening modes, adjust how much high- and low-frequency noise gets filtered out, and enable Transparency mode. PCMag describes the sound as “rich, bright, and bass-heavy.” The bass-boosted sound is courtesy of the More Bass EQ preset, and unlike some headphone brands, the bass is pronounced but doesn’t overpower the mids and highs, remaining fairly balanced. They have 40mm dynamic drivers and a 20-40kHz frequency response, earning them Hi-Res Audio certification. The headphones use four HD mics to capture voices clearly, and do a good job of blocking out ambient noise. While this is a small step down from the six mics on the Headphone(1), they’re not a stripped-down budget version. They share many of the same features, including ANC, spatial audio with head tracking, LDAC high-res codec support, and USB-C lossless audio. The main tradeoffs are in material, appearance, and subtle differences in sound tuning. While still plush and comfy, the earcups aren’t quite as supple as those on the flagship pair. That said, you might actually prefer the Nothing(a) if you want a more low-key look. They also have better battery life, and the lighter materials make them more comfortable and compact. If you’re looking for a long-lasting, feature-rich pair of over-ear ANC headphones that back up the aesthetics with genuinely strong sound, the Nothing Headphone(a) is a solid option. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $148.99 (List Price $179.00) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $329.00 (List Price $399.00) Apple iPad 11" A16 128GB Wi-Fi Tablet (Silver, 2025) — $299.99 (List Price $349.00) Fire TV Stick 4K Plus Streaming Player With Remote (2025 Model) — $29.99 (List Price $49.99) Sonos Move 2 — $399.00 (List Price $499.00) Sony WH1000XM6- Best Wireless Noise Canceling Headphones — $398.00 (List Price $459.99) Ring 2nd Gen 2K Wired Video Doorbell (2026 Release) — $49.99 (List Price $79.99) Deals are selected by our commerce team View the full article

Czech-led initiative aimed at supplying Kyiv with millions of shells has halved since December, says president View the full article

The wars Russia and America have waged in Ukraine and Iran are case studies in geopolitical self-harmView the full article

Insurance claims dropped in 2025, but covered loss amounts didn't follow, largely due to the severity of the Southern California wildfires, Rate reported. View the full article

The streamlining is designed to further expedite a process which allows mortgage companies to get a case number for loans on single units even if the building they're in doesn't have one. View the full article