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While social media platforms have a habit of copying each other, there’s one area where TikTok is forging its own path. TikTok doesn’t use end-to-end encryption (E2EE) for direct messages, the BBC reports. In contrast, the security measure is used by Meta Platforms for services like Facebook and WhatsApp. It’s also integrated into Signal, Apple, and Google’s in-device messages, and Snapchat. End-to-end encryption means only those involved in a conversation can read those messages. These other platforms argue this is critical for users’ privacy as it means the companies and law enforcement are unable to see any of the content that users send. However, in its conversation with the BBC, TikTok stated that end-to-end encryption allows for harm to users and sharing illegal content without the possibility to investigate it. TikTok instead uses standard encryption, which means certain authorized employees can access messages. This step might occur in cases such as a prompt from law enforcement officials. Notably, TikTok’s security has long been called into question thanks to its Chinese owner ByteDance. In January, TikTok’s U.S. ownership transferred to an American subsidiary consisting of backers like Oracle founder Larry Ellison. Fast Company has reached out to TikTok for confirmation about its security. We will update this post if we hear back. TikTok’s stance aligns with anti-CSAM policies The platform’s line of argument follows that of many governments and child protection charities. “We believe personal security is extremely important and support efforts to improve online privacy,” the U.S. National Center for Missing and Exploited Children states. “But, if this solution is implemented with no exceptions for detecting child sexual exploitation, millions of incidents of abuse will remain hidden, leaving these young victims without any help or protection from these horrific crimes.” The U.K. government takes a similar stance: “Intentionally implementing E2EE without necessary safety features will blind social media companies to the child sexual abuse material that is being repeatedly shared on their platforms. “We are not asking companies to stop the implementation of E2EE across their messaging services,” the U.K. government’s statement continues. “We are instead urging all social media companies to implement sufficient child safety measures on their messaging platforms that will maintain and/or enhance the identification and prevention of child sexual abuse.” View the full article

Bombs are falling across the Middle East as the United States and Israel try to bring Iran to heel. But while physical infrastructure is toppling in Iran, the country’s digital armies are still fighting with force. Groups linked to the Iranian regime have hit Jordanian gas firms, as well as businesses in the UAE and Qatar, as part of its Great Epic cyber offensive. Countries including the UK, whose military base in Cyprus has been hit by Iran-linked missiles, have begun warning businesses to prepare for possible Iranian cyberattacks. That raises a bigger question: How did Iran become such a formidable force in cyberwarfare, and to what end? A cyber shock to the system Iran’s cyber prowess today stems in part from an earlier attempt to cripple its capabilities. In 2010, the United States and Israel reportedly launched the Stuxnet virus against Iran’s Natanz nuclear facility, destroying centrifuges and setting back the country’s nuclear program. (Both countries have denied involvement in the attack.) The attack was widely seen as the first true cyberweapon used against real-world infrastructure—and a wake-up call to Iran about the destructive potential of digital warfare. The intervention, unprecedented at the time, was designed to delay or halt Iran’s nuclear ambitions. It may well have succeeded in that. But it also pushed Iran to focus on another form of combat: cyberspace, inspired by the way it had been attacked. “Being on the receiving end of what was the world’s first true cyber weapon showed Iran exactly what was possible then and in the future,” says Jake Moore, global cybersecurity advisor at ESET, a cybersecurity firm. In response, Iran moved aggressively to build its cyber capabilities. The country established governance and coordination structures—including the Supreme Council of Cyberspace in 2012—to advance its goals, while also sponsoring advanced persistent threat (APT) groups through the Islamic Revolutionary Guard Corps and the Ministry of Intelligence. Iran’s cybersecurity budget increased by 1,200% between 2012 and 2015, according to contemporaneous reports. A glut of technical talent Iran has also benefited from a strong base of technical talent, some of which has been directed toward offensive cyber operations. “Iran is one of the top countries for producing software and computer engineers,” says Mo Hoseini, head of resilience at ARTICLE 19, a human rights organization focused on digital rights. Those APT groups saw significant successes throughout the 2010s. Some of the most notable—the APT33 and OilRig groups—conducted long-running campaigns targeting the aerospace and energy sectors. The U.S. ended up sanctioning a number of individuals believed to be linked to those groups in 2024. But it’s not only formally organized groups that pose risks. Analysts have tracked more than 120 hacktivist groups allied with Iran that operate independently, any of which only need to get lucky once to sow chaos. A battlefield without borders The ability to attack digitally has become a more strategic asset for Iran, allowing it to project power despite military constraints and economic pressure from sanctions. That dynamic helps explain why Tehran has invested so heavily in cyber capabilities and why Iranian-linked groups continue to appear at the center of major incidents. Support from other adversarial states has also played a role, says Hoseini. “We’ve seen over the years a lot of influence from China and Russia,” he explains, noting that Iranian cyber operations often mirror Russian tactics and appear to involve exchanges of technical knowledge. That knowledge sharing also extends to Iran’s supporters abroad, which could make efforts to curb the country’s cyber capabilities more difficult than countering its conventional weapons. That’s in part because Iran has invested time and money into supporting young Iranians to go abroad, then effectively blackmailing them into becoming spies for the regime. “They’ve been sending loads of pro-regime supporters on the scholarship program abroad, and now they have jobs in tech companies,” says Hoseini, pointing to the February arrest of three people alleged to have secured jobs in Silicon Valley firms and transferred confidential information to hostile countries, including Iran. “They have resources, at least for now,” he adds. “But how they can hold this ground, coordinate, and execute will become more of a question mark in the coming weeks.” View the full article

Grasping the current SBA loan rates is vital for making informed financing decisions. The rates differ based on the loan type, such as the SBA 7(a), 504, or microloans, with varying interest percentages and fees. For instance, SBA 7(a) loans can range from 12% to 15%, whereas 504 loans typically fall between 5% and 7%. Knowing how these rates and associated fees affect your total borrowing costs is significant. Let’s explore the specifics of each loan type and what you need to take into account. Key Takeaways SBA 7(a) loan rates range from 12% to 15%, depending on loan size and type, with variable rates from 10% to 13.5%. SBA 504 loan rates typically range from 5% to 7%, linked to the 10-year U.S. Treasury note. SBA microloan rates range from 8% to 13%, with average loan sizes around $13,000, capped at $50,000. SBA Express loans have fixed or variable rates capped at Prime + 4.5% for loans over $50,000. Loan fees, including upfront guaranty fees, can significantly affect total borrowing costs, so understanding them is essential. Current SBA Loan Interest Rates When you’re considering an SBA loan, it’s important to comprehend the current interest rates, as they can greatly impact your borrowing costs. SBA 7(a) loan rates now range from a maximum fixed rate of 12% to 15%, depending on the loan size. For loans under $25,000, the fixed rate is capped at 15%, whereas those over $250,001 can secure a maximum fixed rate of 12%. Variable rates vary from 10% to 13.5%. If you’re looking into microloans, which are limited to $50,000, expect interest rates between 8% and 13%. For SBA Express loans exceeding $50,000, variable rates may reach up to 4.5% over the Prime rate. To help you navigate these options, using an SBA 7a loan calculator can provide clarity. If you’re exploring MD MD Bank SBA loans, comprehending these rates will guide your financial decisions effectively. SBA 7(a) Loan Rates SBA 7(a) loan rates play an essential role in determining your overall borrowing costs, so comprehending these rates is fundamental. These loans can have fixed or variable rates, with maximum fixed rates ranging from 12% to 15%, depending on the loan size. For amounts of $25,000 or less, the fixed rate caps at 15%, whereas those between $25,001 and $50,000 are limited to 14%. If you’re considering variable rates, they can reach up to 13.5% for loans of $50,000 or less, but drop to a maximum of 10% for loans exceeding $350,001. The SBA 7(a) program allows loans up to $5 million, with the SBA guaranteeing 85% for loans under $150,000 and 75% for larger amounts. Currently, variable rates are typically set above the Prime rate of 7.00%, resulting in effective rates that fall between 10% and 15%. SBA 504 Loan Rates When considering SBA 504 loans, you’ll notice interest rates typically range from 5% to 7%, closely linked to the 10-year U.S. Treasury note. These loans require a minimum down payment of 10% and often involve collateral, usually the assets being financed, along with personal guarantees from borrowers. With repayment terms spanning 10, 20, or even 25 years, comprehending these factors is essential for making informed financial decisions. Interest Rate Trends As interest rates fluctuate in the broader economy, comprehending the trends for SBA 504 loan rates becomes crucial for potential borrowers. Typically, these rates range from 5% to 7%, aligning closely with the 10-year U.S. Treasury note. As of November 2025, you can expect effective interest rates of approximately 5.77% for a 10-year term, 5.98% for a 20-year term, and 5.92% for a 25-year term. It’s essential to recognize that SBA 504 loans require collateral, usually the assets being financed, alongside personal guarantees from principal borrowers. Moreover, a minimum down payment of at least 10% of the project cost is required. Repayment Terms Explained Understanding the repayment terms of SBA 504 loans is vital for managing your business’s finances effectively. These loans offer repayment periods of 10, 20, or 25 years, giving you flexibility in handling payments. With interest rates typically between 5% and 7%, tied to the 10-year U.S. Treasury note, it’s important to budget accordingly. A minimum down payment of 10% is required, ensuring you have some equity in the financed asset. Monthly payments are structured without balloon payments, promoting consistent repayment schedules. Here’s a summary of key aspects: Repayment Term Interest Rate Down Payment 10 Years 5%-7% 10% 20 Years 5%-7% 10% 25 Years 5%-7% 10% Eligibility Requirements Overview Comprehending the eligibility requirements for SBA 504 loans is essential if you’re considering this financing option for your business. First, you’ll need a minimum down payment of 10% of the project cost, which may increase based on your creditworthiness and business type. Usually, collateral is required, typically in the form of the assets you’re financing. Furthermore, personal guarantees from principal borrowers are necessary to guarantee accountability. The maximum loan amount stands at $5 million, with select projects eligible for up to $5.5 million. Finally, interest rates commonly range from 5% to 7%, linked to the 10-year U.S. Treasury note, making SBA 504 loans a competitive choice for your long-term investment needs. SBA Microloan Rates When exploring SBA Microloan rates, you’ll find that interest rates typically range from 8% to 13%, depending on the lender’s cost of funds. Loans over $10,000 incur a rate of 7.75% above that cost, whereas smaller loans come with an 8.5% rate. Comprehending this structure is crucial as you consider eligibility and navigate the application process for these accessible loans, which can support various small business needs. Microloan Interest Rate Structure Comprehending the interest rate structure of SBA Microloans is crucial for small business owners seeking financial support. These loans are capped at $50,000, with an average loan size around $13,000, typically used for equipment, supplies, and working capital. Interest rates vary based on the loan amount: for loans over $10,000, the rate is 7.75%, whereas loans of $10,000 or less carry an 8.5% rate. Repayment terms extend up to six years, requiring monthly payments without balloon payments. This structure allows for manageable budgeting for your business. The SBA Microloan program aims to stimulate entrepreneurship by providing accessible funding through nonprofit organizations that additionally offer business training and support, making it a valuable resource for small businesses and non-profits. Eligibility and Application Process Comprehending the eligibility and application process for SBA Microloans is crucial for small business owners looking to secure funding. To qualify, you need to demonstrate your ability to repay the loan and provide a solid business plan. These loans target startups and small businesses, offering amounts up to $50,000, with an average of around $13,000. Interest rates range from 7.75% to 8.5%, depending on the loan size, and repayment terms typically don’t exceed six years, requiring monthly payments. Applications are processed through nonprofit community-based organizations, which may as well offer technical assistance and training. Grasping these elements can help streamline your application and improve your chances of getting the funding you need. SBA Express Loan Rates SBA Express loan rates offer small business owners a competitive financing option that’s both accessible and efficient. With a maximum loan amount of $500,000, these loans provide quicker access to capital compared to traditional SBA loans. The interest rates can be either fixed or variable; loans over $50,000 are capped at Prime + 4.5%, while those of $50,000 or less are capped at Prime + 6.5%. The application process for SBA Express loans is expedited, permitting you to receive funding three to four weeks faster than through non-Preferred Lender Program loans. You can use these funds for various business needs, such as working capital, inventory, or equipment purchases. Furthermore, since SBA Express loans are backed by the government, they typically require less equity, enhancing the accessibility of funding for small businesses. This makes them an appealing choice for entrepreneurs looking to grow their operations. How SBA Loan Rates Are Set How are SBA loan rates established? SBA loan rates primarily hinge on the daily prime rate set by the Federal Reserve, which acts as a base for variable rate calculations. The maximum interest rates for SBA 7(a) loans differ based on loan size. Here are some key points to take into account: Fixed rates are capped between 12% and 15%, depending on the loan amount. Variable rates can range from 10% to 13.5%, additionally influenced by the loan size and tied to the prime rate. The SBA publishes maximum fixed interest rates monthly, guiding lenders to maintain competitive borrowing costs. Rates are negotiated between you and lenders, ensuring flexibility. The SBA’s guarantee on a portion of the loan lowers risk for lenders, making it easier for you to secure funding. Understanding these factors can help you navigate the loan process more effectively. Typical SBA Loan Fees When considering an SBA loan, it’s important to comprehend that you may face various fees in addition to the interest charges. One of the primary fees is the upfront SBA Guaranty Fee, which varies based on the loan’s maturity and amount. For SBA 7(a) loans with a maturity of 12 months or less, this fee is set at 0.25% of the guaranteed portion of the loan. If your loan has a maturity exceeding 12 months, the fee structure changes. For loans up to $1 million, you’ll incur a fee of 3.5% on the guaranteed portion. For loans exceeding $1 million, additional percentages apply, further increasing your total fees. These fees contribute considerably to the overall cost of borrowing, so it’s essential to factor them in alongside interest rates when evaluating your options for an SBA loan. Grasping these fees will help you make a more informed decision. Frequently Asked Questions What Are Current SBA 7A Loan Rates? Current SBA 7(a) loan rates vary based on the loan amount. For loans up to $25,000, fixed rates can reach 15%, whereas those over $250,000 drop to 12%. Variable rates range from 10% to 13.5%, linked to the prime rate. Loans between $25,001 and $50,000 have a maximum fixed rate of 14%, and for amounts between $50,001 and $250,000, it’s capped at 13%. Negotiation within these limits is possible. What Is the 20% Rule for SBA? The 20% Rule for SBA loans requires that at least 20% of your business’s ownership be held by U.S. citizens or lawful permanent residents. This rule guarantees that SBA financing primarily supports domestic ownership. If you hold less than 20% ownership, you mightn’t qualify for the full benefits of SBA loans. When applying, it’s essential to document your ownership structure accurately to comply with this requirement and secure potential financing. What Is a Good Interest Rate for an SBA Loan? A good interest rate for an SBA loan varies based on the type and size of the loan. For SBA 7(a) loans, rates range from 10% to 15%. Loans under $25,000 are capped at 15%, whereas those between $25,001 and $50,000 have a maximum of 14%. If you’re considering an SBA 504 loan, expect fixed rates between 5% and 7%. Microloans typically fall within 8% to 13%, depending on the lender. How Hard Is It to Get an SBA 7A Loan? Getting an SBA 7(a) loan can be challenging. You’ll need to prepare detailed financial documents, a solid business plan, and personal financial statements. Lenders prefer a credit score of at least 650, and collateral is often required for loans over $150,000. The process can take several weeks to months, depending on the lender and the completeness of your application. Although smaller loans may have fewer requirements, thorough preparation is crucial for success. Conclusion In conclusion, grasping current SBA loan rates and associated fees is crucial for making informed borrowing decisions. The rates vary considerably depending on the loan type, with 7(a) loans often having higher interest rates compared to 504 loans and microloans. Furthermore, be aware of fees, especially for loans under $1 million, as they can impact your overall costs. By researching and comparing options, you can better navigate the SBA loan environment and choose the best financing solution for your needs. Image via Google Gemini and ArtSmart This article, "Top 7 SBA Loan Rates Now: What to Know" was first published on Small Business Trends View the full article

Grasping the current SBA loan rates is vital for making informed financing decisions. The rates differ based on the loan type, such as the SBA 7(a), 504, or microloans, with varying interest percentages and fees. For instance, SBA 7(a) loans can range from 12% to 15%, whereas 504 loans typically fall between 5% and 7%. Knowing how these rates and associated fees affect your total borrowing costs is significant. Let’s explore the specifics of each loan type and what you need to take into account. Key Takeaways SBA 7(a) loan rates range from 12% to 15%, depending on loan size and type, with variable rates from 10% to 13.5%. SBA 504 loan rates typically range from 5% to 7%, linked to the 10-year U.S. Treasury note. SBA microloan rates range from 8% to 13%, with average loan sizes around $13,000, capped at $50,000. SBA Express loans have fixed or variable rates capped at Prime + 4.5% for loans over $50,000. Loan fees, including upfront guaranty fees, can significantly affect total borrowing costs, so understanding them is essential. Current SBA Loan Interest Rates When you’re considering an SBA loan, it’s important to comprehend the current interest rates, as they can greatly impact your borrowing costs. SBA 7(a) loan rates now range from a maximum fixed rate of 12% to 15%, depending on the loan size. For loans under $25,000, the fixed rate is capped at 15%, whereas those over $250,001 can secure a maximum fixed rate of 12%. Variable rates vary from 10% to 13.5%. If you’re looking into microloans, which are limited to $50,000, expect interest rates between 8% and 13%. For SBA Express loans exceeding $50,000, variable rates may reach up to 4.5% over the Prime rate. To help you navigate these options, using an SBA 7a loan calculator can provide clarity. If you’re exploring MD MD Bank SBA loans, comprehending these rates will guide your financial decisions effectively. SBA 7(a) Loan Rates SBA 7(a) loan rates play an essential role in determining your overall borrowing costs, so comprehending these rates is fundamental. These loans can have fixed or variable rates, with maximum fixed rates ranging from 12% to 15%, depending on the loan size. For amounts of $25,000 or less, the fixed rate caps at 15%, whereas those between $25,001 and $50,000 are limited to 14%. If you’re considering variable rates, they can reach up to 13.5% for loans of $50,000 or less, but drop to a maximum of 10% for loans exceeding $350,001. The SBA 7(a) program allows loans up to $5 million, with the SBA guaranteeing 85% for loans under $150,000 and 75% for larger amounts. Currently, variable rates are typically set above the Prime rate of 7.00%, resulting in effective rates that fall between 10% and 15%. SBA 504 Loan Rates When considering SBA 504 loans, you’ll notice interest rates typically range from 5% to 7%, closely linked to the 10-year U.S. Treasury note. These loans require a minimum down payment of 10% and often involve collateral, usually the assets being financed, along with personal guarantees from borrowers. With repayment terms spanning 10, 20, or even 25 years, comprehending these factors is essential for making informed financial decisions. Interest Rate Trends As interest rates fluctuate in the broader economy, comprehending the trends for SBA 504 loan rates becomes crucial for potential borrowers. Typically, these rates range from 5% to 7%, aligning closely with the 10-year U.S. Treasury note. As of November 2025, you can expect effective interest rates of approximately 5.77% for a 10-year term, 5.98% for a 20-year term, and 5.92% for a 25-year term. It’s essential to recognize that SBA 504 loans require collateral, usually the assets being financed, alongside personal guarantees from principal borrowers. Moreover, a minimum down payment of at least 10% of the project cost is required. Repayment Terms Explained Understanding the repayment terms of SBA 504 loans is vital for managing your business’s finances effectively. These loans offer repayment periods of 10, 20, or 25 years, giving you flexibility in handling payments. With interest rates typically between 5% and 7%, tied to the 10-year U.S. Treasury note, it’s important to budget accordingly. A minimum down payment of 10% is required, ensuring you have some equity in the financed asset. Monthly payments are structured without balloon payments, promoting consistent repayment schedules. Here’s a summary of key aspects: Repayment Term Interest Rate Down Payment 10 Years 5%-7% 10% 20 Years 5%-7% 10% 25 Years 5%-7% 10% Eligibility Requirements Overview Comprehending the eligibility requirements for SBA 504 loans is essential if you’re considering this financing option for your business. First, you’ll need a minimum down payment of 10% of the project cost, which may increase based on your creditworthiness and business type. Usually, collateral is required, typically in the form of the assets you’re financing. Furthermore, personal guarantees from principal borrowers are necessary to guarantee accountability. The maximum loan amount stands at $5 million, with select projects eligible for up to $5.5 million. Finally, interest rates commonly range from 5% to 7%, linked to the 10-year U.S. Treasury note, making SBA 504 loans a competitive choice for your long-term investment needs. SBA Microloan Rates When exploring SBA Microloan rates, you’ll find that interest rates typically range from 8% to 13%, depending on the lender’s cost of funds. Loans over $10,000 incur a rate of 7.75% above that cost, whereas smaller loans come with an 8.5% rate. Comprehending this structure is crucial as you consider eligibility and navigate the application process for these accessible loans, which can support various small business needs. Microloan Interest Rate Structure Comprehending the interest rate structure of SBA Microloans is crucial for small business owners seeking financial support. These loans are capped at $50,000, with an average loan size around $13,000, typically used for equipment, supplies, and working capital. Interest rates vary based on the loan amount: for loans over $10,000, the rate is 7.75%, whereas loans of $10,000 or less carry an 8.5% rate. Repayment terms extend up to six years, requiring monthly payments without balloon payments. This structure allows for manageable budgeting for your business. The SBA Microloan program aims to stimulate entrepreneurship by providing accessible funding through nonprofit organizations that additionally offer business training and support, making it a valuable resource for small businesses and non-profits. Eligibility and Application Process Comprehending the eligibility and application process for SBA Microloans is crucial for small business owners looking to secure funding. To qualify, you need to demonstrate your ability to repay the loan and provide a solid business plan. These loans target startups and small businesses, offering amounts up to $50,000, with an average of around $13,000. Interest rates range from 7.75% to 8.5%, depending on the loan size, and repayment terms typically don’t exceed six years, requiring monthly payments. Applications are processed through nonprofit community-based organizations, which may as well offer technical assistance and training. Grasping these elements can help streamline your application and improve your chances of getting the funding you need. SBA Express Loan Rates SBA Express loan rates offer small business owners a competitive financing option that’s both accessible and efficient. With a maximum loan amount of $500,000, these loans provide quicker access to capital compared to traditional SBA loans. The interest rates can be either fixed or variable; loans over $50,000 are capped at Prime + 4.5%, while those of $50,000 or less are capped at Prime + 6.5%. The application process for SBA Express loans is expedited, permitting you to receive funding three to four weeks faster than through non-Preferred Lender Program loans. You can use these funds for various business needs, such as working capital, inventory, or equipment purchases. Furthermore, since SBA Express loans are backed by the government, they typically require less equity, enhancing the accessibility of funding for small businesses. This makes them an appealing choice for entrepreneurs looking to grow their operations. How SBA Loan Rates Are Set How are SBA loan rates established? SBA loan rates primarily hinge on the daily prime rate set by the Federal Reserve, which acts as a base for variable rate calculations. The maximum interest rates for SBA 7(a) loans differ based on loan size. Here are some key points to take into account: Fixed rates are capped between 12% and 15%, depending on the loan amount. Variable rates can range from 10% to 13.5%, additionally influenced by the loan size and tied to the prime rate. The SBA publishes maximum fixed interest rates monthly, guiding lenders to maintain competitive borrowing costs. Rates are negotiated between you and lenders, ensuring flexibility. The SBA’s guarantee on a portion of the loan lowers risk for lenders, making it easier for you to secure funding. Understanding these factors can help you navigate the loan process more effectively. Typical SBA Loan Fees When considering an SBA loan, it’s important to comprehend that you may face various fees in addition to the interest charges. One of the primary fees is the upfront SBA Guaranty Fee, which varies based on the loan’s maturity and amount. For SBA 7(a) loans with a maturity of 12 months or less, this fee is set at 0.25% of the guaranteed portion of the loan. If your loan has a maturity exceeding 12 months, the fee structure changes. For loans up to $1 million, you’ll incur a fee of 3.5% on the guaranteed portion. For loans exceeding $1 million, additional percentages apply, further increasing your total fees. These fees contribute considerably to the overall cost of borrowing, so it’s essential to factor them in alongside interest rates when evaluating your options for an SBA loan. Grasping these fees will help you make a more informed decision. Frequently Asked Questions What Are Current SBA 7A Loan Rates? Current SBA 7(a) loan rates vary based on the loan amount. For loans up to $25,000, fixed rates can reach 15%, whereas those over $250,000 drop to 12%. Variable rates range from 10% to 13.5%, linked to the prime rate. Loans between $25,001 and $50,000 have a maximum fixed rate of 14%, and for amounts between $50,001 and $250,000, it’s capped at 13%. Negotiation within these limits is possible. What Is the 20% Rule for SBA? The 20% Rule for SBA loans requires that at least 20% of your business’s ownership be held by U.S. citizens or lawful permanent residents. This rule guarantees that SBA financing primarily supports domestic ownership. If you hold less than 20% ownership, you mightn’t qualify for the full benefits of SBA loans. When applying, it’s essential to document your ownership structure accurately to comply with this requirement and secure potential financing. What Is a Good Interest Rate for an SBA Loan? A good interest rate for an SBA loan varies based on the type and size of the loan. For SBA 7(a) loans, rates range from 10% to 15%. Loans under $25,000 are capped at 15%, whereas those between $25,001 and $50,000 have a maximum of 14%. If you’re considering an SBA 504 loan, expect fixed rates between 5% and 7%. Microloans typically fall within 8% to 13%, depending on the lender. How Hard Is It to Get an SBA 7A Loan? Getting an SBA 7(a) loan can be challenging. You’ll need to prepare detailed financial documents, a solid business plan, and personal financial statements. Lenders prefer a credit score of at least 650, and collateral is often required for loans over $150,000. The process can take several weeks to months, depending on the lender and the completeness of your application. Although smaller loans may have fewer requirements, thorough preparation is crucial for success. Conclusion In conclusion, grasping current SBA loan rates and associated fees is crucial for making informed borrowing decisions. The rates vary considerably depending on the loan type, with 7(a) loans often having higher interest rates compared to 504 loans and microloans. Furthermore, be aware of fees, especially for loans under $1 million, as they can impact your overall costs. By researching and comparing options, you can better navigate the SBA loan environment and choose the best financing solution for your needs. Image via Google Gemini and ArtSmart This article, "Top 7 SBA Loan Rates Now: What to Know" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. Apple's "affordable" MacBook is official. The company revealed the "MacBook Neo" in a non-livestreamed event on Wednesday, following a series of product announcements throughout the week. Despite the hoopla, there aren't a ton of surprises here: The rumors pointed to a low-cost MacBook running an iPhone chip that came in a variety of fun colors to choose from. That's basically exactly what we got: The Neo runs the A18 Pro—the same chip as the iPhone 16 Pro—and comes in Blush (pink), Indigo, Citrus (yellow/green), and Silver. Really, the biggest surprise of the day is the price: $599, or $499 if you buy through the education store (which anyone can buy from). It's a bit unbelievable that you can buy a new MacBook for as low as $500 in 2026, especially considering that computer components are only skyrocketing in price. Back in 2008, a MacBook cost $1,099, which is just shy of $1,700 in today's money. Now, you can buy three MacBook Neos for that cost, and still have money left over for accessories. The MacBook Neo isn't perfect If you're in the market for a new MacBook, the Neo might be particularly tempting. But it really isn't the only Mac you should consider. Despite Apple's pricey reputation, you can pick up powerful Macs for very reasonable prices these days—though not necessarily through Apple itself. The company will happily sell you a MacBook Air starting at $1,099 ($999 through the education store) which is quite a bit more than the Neo. Instead, you should consider older Macs through other stores that carry them. It might sound odd, but you really might be better off with something that didn't come out this year, or even something pre-owned. Back when the Neo was just a rumor, I recommended not waiting for it. Sure, the colors sounded fun, and the price is great, but there are some serious drawbacks to consider here—first, and foremost, the underlying hardware. The A18 Pro is a capable chip for the iPhone 16 Pro, but it's unproven as a vehicle to run macOS. It's an Apple-designed chip, so there is an advantage there, but it still wasn't designed for Apple's OS in the same way the Mac's M-series chips were. We won't know exact performance specs until testers get their hands on the Neo, but my guess is the A18 Pro is not going to be a macOS workhouse—hence that ultra-low price. The Neo's RAM is also holding it back. Apple is only shipping Neos with 8GB of memory, which will be fine for most simple tasks, but not more complex ones, or for multitasking. Power users who try to push the Neo will likely run into issues with trying to run too many programs (or too many browser tabs) at once. That said, Apple knows it has a lot of users relying on 8GB of RAM, since it was the entry-level standard up until M4. Plus, that lower RAM is a huge part of what's keeping the price down. Finally, there are the nitpicky things. The keyboard, while color-matched, doesn't have a backlight, and if you're opting for the base model, you won't get Touch ID. For that, you'll need to spend another $100, though that will also double your storage (512GB instead of 256GB). There's no MagSafe, which has become a standard again on modern MacBooks, and the trackpad is mechanical rather than haptic—though that might not necessarily be better or worse. None of these things are necessarily a deal breaker, and other MacBooks have similar issues. But that doesn't mean the Neo is right for everyone in this price range. Before you hit "preorder" on Apple's website, here are a couple other options to consider. The M1 MacBook Air is still worth consideringThe M1 MacBook Air may go down in history as the best laptop Apple ever made. Not because it's the most powerful, or the sleekest design, but because this five-year-old MacBook is still going strong. If you bought one back in 2020, you might still have one, and have no real reason to upgrade. Apple doesn't make this Air any longer—in fact, it only makes the M5 option it announced this week. But you can still pick up the M1 from stores like Amazon and Walmart, often at wildly good prices. I'll point you to two options here, as possible Neo alternatives. One is the base model M1 Air, with 8GB of RAM and 128GB of storage. That's half the storage of the Neo, which could be a problem, but that sacrifice saves you even more money. Right now, Walmart has a pre-owned model for just over $350. That's tough to beat. Here's an option that does beat it: On Amazon, you can buy an M1 MacBook Air with 16GB of RAM and 256GB of storage for $515. If you can find a machine like this at that price, jump on it. Even if the A18 Pro outperforms the M1 chip in testing, that 16GB of RAM will keep this machine feeling fast for longer. I strongly suggest buying a MacBook with 16GB of RAM in 2026, so if you can pick one up at this price, go for it. The M2 MacBook Air is cheap, and a beast In the $600 to $650 range, the M2 MacBook Air is a beast. You have Apple's second-gen M-series chip, of course, but also Apple's modern MacBook design. The company hasn't really changed the look of its MacBook Airs since the M2, which means this machine looks brand-new. It comes with a brighter and larger display over the M1 Air and MagSafe charging, too. Again, Apple doesn't make this model anymore, so you need to look to the pre-owned and third-party markets here. You can find models with 8GB of RAM and 256GB of storage for $600, like this one on Amazon. 16GB of RAM would be ideal, but it's tough to find M2s with that configuration in this pricing right now, as it tends to push things into the $800 range. But that's the compromise at this price point: You get the modern form factor and the newer chip, while sacrificing the RAM. M2 with 8GB of RAM is probably going to outlast A18 Pro with 8GB of RAM when it comes to macOS. We'll need to wait for testing to be sure, but I'd bet on the chip made for macOS. The MacBook Neo is probably a great buyThis isn't to say that you shouldn't consider the Neo. In fact, it might be the right Mac for you. For one, you're getting a brand new Mac—not pre-owned or refurbished—for $499, in color options the M-series Macs have never offered. There are also some perks you don't get with M1 or M2 MacBook Airs: The M1 has a 720p FaceTime camera while M2 and Neo have a 1080p lens. The MacBook Neo has support for Wi-Fi 6E and Bluetooth 6, standards both M1 and M2 don't support. If the Neo is your jam, I'm not trying to dissuade you. Instead, I'd encourage you to wait until we know more about it. Apple opened up preorders today, but don't rush: Keep an eye out for benchmarks and real-world testing, and see how the A18 Pro compares to M1 and M2 when running macOS. View the full article

Washington’s allies in region burn through defensive munitions as they fend off Iranian barragesView the full article

We may earn a commission from links on this page. The first thing you need to understand about Amazon Fire anything is that a Fire TV and a Fire TV Stick are not the same thing. Some hacks only work on Fire TVs, others only with Fire TV Sticks, and others with both. You can have a Google TV (or any kind of TV) and hook up a Fire TV Stick to it: So if you don't have a Fire TV, know that there is a simple $30 solution that can fix that. I've been using the Fire OS for many years, and although it's not my favorite, it has some pretty cool hacks that no other OS has. Amazon Fire TV Stick 4K Plus AI-Powered Streaming Stick $29.99 at Amazon $49.99 Save $20.00 Get Deal Get Deal $29.99 at Amazon $49.99 Save $20.00 55" Amazon Fire TV 4-Series 4K HDR10+ Smart TV (2025 Model) $379.97 at Amazon $459.99 Save $80.02 Get Deal Get Deal $379.97 at Amazon $459.99 Save $80.02 SEE -1 MORE Make menu navigation more detailedIf you press Fast Forward and Rewind at the same time and hold them for two seconds, you will activate the Text Banner in the navigation menu. This will make a white box appear at the bottom of the screen with more information about anything you're highlighting in the navigational menu. You can get IMDB ratings, length of movies or shows, year it was released, rating, summaries, etc. You can use the Fast Forward arrow to get more information from the banner. You also get a better menu by pressing the Menu button, which gives you a different menu option, where you can add shows or movies to your watchlist or platforms where you can stream them. Restart the Fire TV Stick quicklyFire TV Sticks and Fire TVs are mini computers, and as such, they might malfunction and need a restart from time to time. Hold the Circle and the Play/Pause button together for five seconds, and your Fire Stick will restart immediately. This is much easier than having to find the restart option on the menu or physically disconnecting it from the wall. Mirror your iPhone to the Fire TVWhile Fire TVs and Fire TV Sticks can mirror/cast Android phones natively, iPhones need to jump through hoops to do the same. Just because it's not easy doesn't mean it's not possible. You'll need to download a paid app like Screen Mirroring for Fire TV to do this for you. (There are other free alternatives (AirScreen, DoCast, LetsView), but they will restrict you in some way or another by putting ads or setting a time restriction until you pay for the app.) To get started, after you select your app, hold the Home button for five seconds and select the Mirroring option that comes up. Then open the mirroring app and make sure you're on the same network as your Fire TV. Then follow the on-screen instructions on the app. You don't need a Fire TV remote to work your Fire TVLosing your remote (or buying a used TV without a remote) doesn't mean you're screwed. There's an easy and free solution. Download the Amazon Fire TV app, which essentially turns your phone into a Fire TV remote, often with more options. You need to make sure you're on the same network as your TV to set this up. One of my favorite reasons to use this app over the physical remote is that you can type anything you're searching for on your phone rather than selecting each letter individually with the remote. Watch anything virtually for free with KodiKodi is a free, open-source media system that lets you reliably stream your entire media collection to any local device, like your Fire TV Stick. The catch is that it takes a bit to set it up, but worry not. I've gone through the steps in this tutorial to make it easy for you to install. Plex and Jellyfin are also good alternatives, as they're easy to download from the official Amazon app store (but check out our coverage for their advantages and disadvantages). Use your computer as a Fire TVIf you want to watch your Fire TV on the go or don't have a TV, playing it on your computer (Mac or PC) is helpful—especially if you've got Kodi already running on your Fire TV Stick. To set it up, you'll need to install an open-source software like OBS Studio to make this work. But you'll essentially have another method of watching your shows and movies. Use your Fire TV Stick as a computerYou can access the web through your Fire TV or Fire TV Stick, and it's surprisingly easy. Download the Amazon Silk app on your Fire TV or Stick and you'll be able to check your email, social media, or do anything you do on a browser on your TV. And if the idea of using your remote to type stresses you out, remember the Amazon Fire TV app I mentioned earlier, or you can get one of these cheap remotes to type easily. If you get really good at it, you can get to the point where you make homepage shortcuts for your favorite websites as if they were apps. Use your Alexa speaker as a hands-free remoteSometimes we have our hands full or can't find the remote or our phones in time before the preview to the next episode spoils the show for us. If you have an Alexa speaker nearby, simply use voice commands to tell Alexa to, for instance, "Pause the TV." Listen to TV with your Bluetooth headphonesMany people notice the Bluetooth feature on TV sticks and don't think much of it—but it's a powerful feature. You can connect your wireless keyboard to type out searches, hook up game pads to play games, connect your surround sound or portable speakers to it, and, most personally useful of all, connect your Bluetooth headphones to listen to shows without disturbing anyone else you live with. Go to Settings > Controllers & Bluetooth Devices > Other Bluetooth Devices > Add, and it will find any device that is in sync mode. See who's at your door right on your TVIf you have a camera that's compatible with Alexa, there's a way to get it to show up on your Fire TV. Some of these brands include: Nest, Arlo, Blink, Wyze, Logitech, Ecobee, TP-Link, Aqara, Honeywell, Kami, Reolink, Zmodo, Amcrest, Canary, Vivint, and SwitchBot. They will not all have the same level of features and on-screen options, so it's best to see what your brand is capable of doing in the Fire TV and how to set each one up correctly. View the full article

If you’re considering a career in bookkeeping, choosing the right classes can set a strong foundation. Programs like the Intuit Academy Bookkeeping Professional Certificate and ACCA’s Introduction to Bookkeeping offer crucial skills for beginners. Certification options, such as those from NACPB and AIPB, can further improve your credentials. Each course provides a mix of theory and practical experience, preparing you for the demands of the industry. Let’s explore these options in detail and find the best fit for you. Key Takeaways Intuit Academy Bookkeeping Professional Certificate offers a structured two-month program focusing on QuickBooks at an affordable price of $160. ACCA: Introduction to Bookkeeping is a self-paced course covering fundamental concepts, with an optional certificate available for $99. University of Virginia’s Financial Accounting Fundamentals provides a solid grounding in accounting for around $80, enhancing credibility with a recognized certificate. Penn Foster Career School offers flexible learning with access to experienced instructors and a comprehensive curriculum, preparing students for various bookkeeping roles. NACPB Bookkeeper Certification can be completed in about 13 weeks for $369 (members), providing a valuable credential and the potential for new clients. NACPB Bookkeeper Certification The NACPB Bookkeeper Certification is a valuable credential for anyone looking to establish a solid foundation in bookkeeping. This respected certification program covers crucial topics and can be completed in about 13 weeks. With a cost of $369 for members and $449 for nonmembers, it’s an accessible option for those seeking accredited bookkeeping courses. Furthermore, by choosing a certification bundle, you could save 26%. Maintaining your certification requires ongoing education, ensuring you stay current with bookkeeping practices. Significantly, approximately 37% of certified bookkeepers found new clients following certification, showcasing its potential benefits for career growth. This program serves as an excellent starting point for beginners enthusiastic to improve their skills and advance in the bookkeeping field. Intuit Academy Bookkeeping Professional Certificate The Intuit Academy Bookkeeping Professional Certificate offers a structured, two-month program designed for beginners, focusing on computerized accounting and QuickBooks. At a budget-friendly price of $160 through Coursera, this certification not only builds your foundational skills in managing financial data but additionally improves your employability because of Intuit’s strong brand recognition. Although it may not cover as much ground as other certifications, completing this course equips you with valuable skills that are highly sought after in the small business sector. Course Overview and Structure For those new to the bookkeeping field, the Intuit Academy Bookkeeping Professional Certificate offers a structured and practical introduction to computerized accounting, focusing primarily on QuickBooks. This course is designed for beginners and runs for approximately two months, requiring a time commitment that fits well into most schedules. Priced at $160, it’s an affordable option for aspiring bookkeepers. You’ll gain hands-on experience with QuickBooks software, allowing you to understand its practical applications in real-world bookkeeping scenarios. The curriculum builds foundational knowledge, ensuring you grasp vital skills, though it may not be as thorough as more advanced programs. Completing this certification improves your reputation, benefiting from Intuit’s recognized brand in the accounting industry. Benefits of Certification Earning the Intuit Academy Bookkeeping Professional Certificate offers significant advantages for those entering the bookkeeping profession. This course, designed for beginners, focuses on computerized accounting and QuickBooks, and can be completed in about two months. At a cost of $160 through Coursera, it’s an affordable way to improve your bookkeeping skills. By obtaining this certificate, you enhance your reputation in the industry thanks to Intuit’s brand recognition, which can help you attract clients. Furthermore, completing the program provides foundational knowledge crucial for managing financial records, boosting your confidence and competence. Nonetheless, keep in mind that although beginner-friendly, the program lacks depth and continuing education options, which may impact your long-term professional development. ACCA: Introduction to Bookkeeping The ACCA: Introduction to Bookkeeping course on edX covers fundamental accounting concepts, making it an excellent starting point for beginners. With self-paced learning, you can fit the course into your schedule, typically completing it in about six weeks. Plus, earning a globally recognized certification can boost your credibility and improve your job prospects in the bookkeeping field. Fundamental Accounting Concepts Grasping fundamental accounting concepts is crucial for anyone looking to start a career in bookkeeping. The ACCA: Introduction to Bookkeeping course on edX offers a solid foundation, focusing on key principles like the double-entry system, ledgers, and financial statements. By comprehending these concepts, you’ll be better prepared to handle everyday bookkeeping tasks. The course is free, and although a certificate is available for $99, it provides an affordable way to improve your credentials. Designed for self-paced learning, you can complete it in about six weeks. Completing this course not only builds your accounting knowledge but also boosts your credibility, as the ACCA certification is recognized worldwide in the finance and accounting industry, giving you a competitive edge. Self-Paced Learning Benefits One of the key advantages of the ACCA: Introduction to Bookkeeping course is its self-paced learning format, which allows you to tailor your educational experience to fit your unique schedule. This course, available on edX, typically takes about six weeks to complete, enabling you to learn at your convenience without the pressure of fixed deadlines. You can access the course material for free, with an optional certificate available for $99, making it an affordable option for beginners. The self-paced structure encourages you to revisit complex topics, reinforcing your comprehension of fundamental accounting concepts. Completing this course not only equips you with foundational knowledge but additionally prepares you for a globally recognized certification that improves your credibility in the bookkeeping field. Global Recognition of Certification Earning a certification from the ACCA: Introduction to Bookkeeping course not only improves your knowledge but also greatly boosts your professional profile. This course, available on edX, focuses on fundamental accounting concepts crucial for beginners, making it a perfect starting point. It’s free to access, with an optional certificate for $99, providing an affordable way to gain formal recognition in the field. Designed for self-paced learning, you can complete it in about six weeks at your convenience. The ACCA certification is globally recognized, enhancing your credibility among employers and clients. Completing this course gives you a strong foundation in bookkeeping, which is significant for establishing a career in accounting or financial management, setting you apart in a competitive market. University of Virginia – Financial Accounting Fundamentals The University of Virginia offers a Financial Accounting Fundamentals course through Coursera, which is ideal for anyone seeking a solid grounding in vital accounting practices. This course includes five in-depth modules and requires approximately 13 hours to complete, making it a manageable commitment for busy learners. Priced around $80, it’s a cost-effective option for enhancing your accounting knowledge. The curriculum covers critical topics fundamental to grasping financial accounting, catering to both beginners and those looking to refresh their skills. Upon completion, you’ll receive a certificate from the University of Virginia, which can greatly boost your credibility in the accounting field. Although not as thorough as certification programs, this course lays a solid foundation for a career in bookkeeping or accounting. Penn Foster Career School – Bookkeeping Training Program If you’re looking to further your education in bookkeeping, the Penn Foster Career School offers an extensive Bookkeeping Training Program that caters to various learning styles. This program provides you with a flexible learning pace, letting you study when it suits you best. The thorough curriculum covers crucial topics like: Financial statements Payroll processing Accounting principles QuickBooks software Industry best practices You’ll have access to experienced instructors and dedicated student services that guide you throughout your learning path. Furthermore, the program includes a free one-year subscription to QuickBooks, giving you hands-on experience with industry-standard software. With a total cost of $789, you can complete the program in six months to one year, depending on your pace. AIPB Certification Program For those seeking to improve their bookkeeping credentials, the AIPB Certification Program stands out as a highly respected option in the industry. This program covers a thorough curriculum, including accounting foundations, financial statements, and payroll processing. With a commitment of three to four months, you can complete the certification for $1,495. Many find it worthwhile; approximately 37% of certified bookkeepers gained new clients, as well as 48% raised their rates post-certification. Achieving AIPB certification can greatly elevate your career opportunities and credibility in the bookkeeping field. Benefit Statistic New Clients Gained 37% Increased Rates 48% Duration to Complete 3-4 months Universal Accounting School – Professional Bookkeeper Program When considering a thorough approach to bookkeeping education, the Universal Accounting School‘s Professional Bookkeeper Program offers an extensive curriculum customized for both beginners and those looking to advance their skills. This program provides you with crucial knowledge and hands-on experience, as you’ll work on the books for 11 different small businesses. Key features of the program include: In-depth coverage of vital bookkeeping topics Earning the title of “Certified Bookkeeper” upon graduation A significant 60-hour time commitment for thorough training Practical application of learned skills in real-world scenarios Total program cost of $3,091, reflecting its depth of knowledge This program improves your career opportunities and marketability in the bookkeeping industry. Frequently Asked Questions How to Get Started as a Bookkeeper With No Experience? To get started as a bookkeeper with no experience, enroll in beginner-friendly online courses, like the Intuit Academy Bookkeeping Professional Certificate. Consider obtaining the free QuickBooks Online ProAdvisor Certification for industry recognition. You can furthermore explore affordable courses, such as the Bookkeeper Business Coach course, which guides you in setting up a bookkeeping business. In addition, utilize free resources on YouTube and join online communities to network and learn best practices from others in the field. What Is the Best Way to Learn Basic Bookkeeping? To learn basic bookkeeping effectively, start with beginner-friendly online courses like the Udemy for a thorough comprehension. Utilize free resources from Khan Academy or edX to grasp fundamental accounting principles. Consider certification programs, such as the Intuit Academy Bookkeeping Professional Certificate, to improve your skills. Moreover, practical courses like Bookkeeper Launch can guide you in setting up a bookkeeping business, providing valuable marketing strategies along the way. What Is the Best Course to Become a Bookkeeper? To become a bookkeeper, consider taking the Bookkeeper Launch course, which covers fundamental accounting principles and QuickBooks, completing in about three months. On the other hand, Intuit Academy offers an affordable Bookkeeping Professional Certificate, focusing on computerized accounting for $160. If you’re looking for a free option, ACCA’s Introduction to Bookkeeping provides foundational knowledge in six weeks. Each course equips you with the necessary skills to start your bookkeeping career effectively. What Program Do Most Bookkeepers Use? Most bookkeepers use QuickBooks as their primary accounting software because of its user-friendly interface and extensive features. QuickBooks Online ProAdvisor Certification is particularly beneficial for beginners, offering free, industry-recognized credentials. Many bookkeeping courses incorporate QuickBooks training, equipping you with practical skills for client management. Continuous education in QuickBooks can boost your credibility, improve job prospects, and potentially increase your earning potential, as many certified bookkeepers report higher rates after completion. Conclusion To conclude, pursuing a bookkeeping career can be greatly improved by enrolling in one of these top seven classes. Each program, from the Intuit Academy Bookkeeping Professional Certificate to the AIPB Certification Program, offers crucial skills and knowledge for beginners. By choosing the right course, you’ll gain practical experience and valuable credentials that can set you apart in the job market. Taking the initiative to invest in your education will provide a strong foundation for your future success in bookkeeping. Image via Google Gemini This article, "Top 7 Bookkeeping Classes for Beginners to Jumpstart Your Career" was first published on Small Business Trends View the full article

If you’re considering a career in bookkeeping, choosing the right classes can set a strong foundation. Programs like the Intuit Academy Bookkeeping Professional Certificate and ACCA’s Introduction to Bookkeeping offer crucial skills for beginners. Certification options, such as those from NACPB and AIPB, can further improve your credentials. Each course provides a mix of theory and practical experience, preparing you for the demands of the industry. Let’s explore these options in detail and find the best fit for you. Key Takeaways Intuit Academy Bookkeeping Professional Certificate offers a structured two-month program focusing on QuickBooks at an affordable price of $160. ACCA: Introduction to Bookkeeping is a self-paced course covering fundamental concepts, with an optional certificate available for $99. University of Virginia’s Financial Accounting Fundamentals provides a solid grounding in accounting for around $80, enhancing credibility with a recognized certificate. Penn Foster Career School offers flexible learning with access to experienced instructors and a comprehensive curriculum, preparing students for various bookkeeping roles. NACPB Bookkeeper Certification can be completed in about 13 weeks for $369 (members), providing a valuable credential and the potential for new clients. NACPB Bookkeeper Certification The NACPB Bookkeeper Certification is a valuable credential for anyone looking to establish a solid foundation in bookkeeping. This respected certification program covers crucial topics and can be completed in about 13 weeks. With a cost of $369 for members and $449 for nonmembers, it’s an accessible option for those seeking accredited bookkeeping courses. Furthermore, by choosing a certification bundle, you could save 26%. Maintaining your certification requires ongoing education, ensuring you stay current with bookkeeping practices. Significantly, approximately 37% of certified bookkeepers found new clients following certification, showcasing its potential benefits for career growth. This program serves as an excellent starting point for beginners enthusiastic to improve their skills and advance in the bookkeeping field. Intuit Academy Bookkeeping Professional Certificate The Intuit Academy Bookkeeping Professional Certificate offers a structured, two-month program designed for beginners, focusing on computerized accounting and QuickBooks. At a budget-friendly price of $160 through Coursera, this certification not only builds your foundational skills in managing financial data but additionally improves your employability because of Intuit’s strong brand recognition. Although it may not cover as much ground as other certifications, completing this course equips you with valuable skills that are highly sought after in the small business sector. Course Overview and Structure For those new to the bookkeeping field, the Intuit Academy Bookkeeping Professional Certificate offers a structured and practical introduction to computerized accounting, focusing primarily on QuickBooks. This course is designed for beginners and runs for approximately two months, requiring a time commitment that fits well into most schedules. Priced at $160, it’s an affordable option for aspiring bookkeepers. You’ll gain hands-on experience with QuickBooks software, allowing you to understand its practical applications in real-world bookkeeping scenarios. The curriculum builds foundational knowledge, ensuring you grasp vital skills, though it may not be as thorough as more advanced programs. Completing this certification improves your reputation, benefiting from Intuit’s recognized brand in the accounting industry. Benefits of Certification Earning the Intuit Academy Bookkeeping Professional Certificate offers significant advantages for those entering the bookkeeping profession. This course, designed for beginners, focuses on computerized accounting and QuickBooks, and can be completed in about two months. At a cost of $160 through Coursera, it’s an affordable way to improve your bookkeeping skills. By obtaining this certificate, you enhance your reputation in the industry thanks to Intuit’s brand recognition, which can help you attract clients. Furthermore, completing the program provides foundational knowledge crucial for managing financial records, boosting your confidence and competence. Nonetheless, keep in mind that although beginner-friendly, the program lacks depth and continuing education options, which may impact your long-term professional development. ACCA: Introduction to Bookkeeping The ACCA: Introduction to Bookkeeping course on edX covers fundamental accounting concepts, making it an excellent starting point for beginners. With self-paced learning, you can fit the course into your schedule, typically completing it in about six weeks. Plus, earning a globally recognized certification can boost your credibility and improve your job prospects in the bookkeeping field. Fundamental Accounting Concepts Grasping fundamental accounting concepts is crucial for anyone looking to start a career in bookkeeping. The ACCA: Introduction to Bookkeeping course on edX offers a solid foundation, focusing on key principles like the double-entry system, ledgers, and financial statements. By comprehending these concepts, you’ll be better prepared to handle everyday bookkeeping tasks. The course is free, and although a certificate is available for $99, it provides an affordable way to improve your credentials. Designed for self-paced learning, you can complete it in about six weeks. Completing this course not only builds your accounting knowledge but also boosts your credibility, as the ACCA certification is recognized worldwide in the finance and accounting industry, giving you a competitive edge. Self-Paced Learning Benefits One of the key advantages of the ACCA: Introduction to Bookkeeping course is its self-paced learning format, which allows you to tailor your educational experience to fit your unique schedule. This course, available on edX, typically takes about six weeks to complete, enabling you to learn at your convenience without the pressure of fixed deadlines. You can access the course material for free, with an optional certificate available for $99, making it an affordable option for beginners. The self-paced structure encourages you to revisit complex topics, reinforcing your comprehension of fundamental accounting concepts. Completing this course not only equips you with foundational knowledge but additionally prepares you for a globally recognized certification that improves your credibility in the bookkeeping field. Global Recognition of Certification Earning a certification from the ACCA: Introduction to Bookkeeping course not only improves your knowledge but also greatly boosts your professional profile. This course, available on edX, focuses on fundamental accounting concepts crucial for beginners, making it a perfect starting point. It’s free to access, with an optional certificate for $99, providing an affordable way to gain formal recognition in the field. Designed for self-paced learning, you can complete it in about six weeks at your convenience. The ACCA certification is globally recognized, enhancing your credibility among employers and clients. Completing this course gives you a strong foundation in bookkeeping, which is significant for establishing a career in accounting or financial management, setting you apart in a competitive market. University of Virginia – Financial Accounting Fundamentals The University of Virginia offers a Financial Accounting Fundamentals course through Coursera, which is ideal for anyone seeking a solid grounding in vital accounting practices. This course includes five in-depth modules and requires approximately 13 hours to complete, making it a manageable commitment for busy learners. Priced around $80, it’s a cost-effective option for enhancing your accounting knowledge. The curriculum covers critical topics fundamental to grasping financial accounting, catering to both beginners and those looking to refresh their skills. Upon completion, you’ll receive a certificate from the University of Virginia, which can greatly boost your credibility in the accounting field. Although not as thorough as certification programs, this course lays a solid foundation for a career in bookkeeping or accounting. Penn Foster Career School – Bookkeeping Training Program If you’re looking to further your education in bookkeeping, the Penn Foster Career School offers an extensive Bookkeeping Training Program that caters to various learning styles. This program provides you with a flexible learning pace, letting you study when it suits you best. The thorough curriculum covers crucial topics like: Financial statements Payroll processing Accounting principles QuickBooks software Industry best practices You’ll have access to experienced instructors and dedicated student services that guide you throughout your learning path. Furthermore, the program includes a free one-year subscription to QuickBooks, giving you hands-on experience with industry-standard software. With a total cost of $789, you can complete the program in six months to one year, depending on your pace. AIPB Certification Program For those seeking to improve their bookkeeping credentials, the AIPB Certification Program stands out as a highly respected option in the industry. This program covers a thorough curriculum, including accounting foundations, financial statements, and payroll processing. With a commitment of three to four months, you can complete the certification for $1,495. Many find it worthwhile; approximately 37% of certified bookkeepers gained new clients, as well as 48% raised their rates post-certification. Achieving AIPB certification can greatly elevate your career opportunities and credibility in the bookkeeping field. Benefit Statistic New Clients Gained 37% Increased Rates 48% Duration to Complete 3-4 months Universal Accounting School – Professional Bookkeeper Program When considering a thorough approach to bookkeeping education, the Universal Accounting School‘s Professional Bookkeeper Program offers an extensive curriculum customized for both beginners and those looking to advance their skills. This program provides you with crucial knowledge and hands-on experience, as you’ll work on the books for 11 different small businesses. Key features of the program include: In-depth coverage of vital bookkeeping topics Earning the title of “Certified Bookkeeper” upon graduation A significant 60-hour time commitment for thorough training Practical application of learned skills in real-world scenarios Total program cost of $3,091, reflecting its depth of knowledge This program improves your career opportunities and marketability in the bookkeeping industry. Frequently Asked Questions How to Get Started as a Bookkeeper With No Experience? To get started as a bookkeeper with no experience, enroll in beginner-friendly online courses, like the Intuit Academy Bookkeeping Professional Certificate. Consider obtaining the free QuickBooks Online ProAdvisor Certification for industry recognition. You can furthermore explore affordable courses, such as the Bookkeeper Business Coach course, which guides you in setting up a bookkeeping business. In addition, utilize free resources on YouTube and join online communities to network and learn best practices from others in the field. What Is the Best Way to Learn Basic Bookkeeping? To learn basic bookkeeping effectively, start with beginner-friendly online courses like the Udemy for a thorough comprehension. Utilize free resources from Khan Academy or edX to grasp fundamental accounting principles. Consider certification programs, such as the Intuit Academy Bookkeeping Professional Certificate, to improve your skills. Moreover, practical courses like Bookkeeper Launch can guide you in setting up a bookkeeping business, providing valuable marketing strategies along the way. What Is the Best Course to Become a Bookkeeper? To become a bookkeeper, consider taking the Bookkeeper Launch course, which covers fundamental accounting principles and QuickBooks, completing in about three months. On the other hand, Intuit Academy offers an affordable Bookkeeping Professional Certificate, focusing on computerized accounting for $160. If you’re looking for a free option, ACCA’s Introduction to Bookkeeping provides foundational knowledge in six weeks. Each course equips you with the necessary skills to start your bookkeeping career effectively. What Program Do Most Bookkeepers Use? Most bookkeepers use QuickBooks as their primary accounting software because of its user-friendly interface and extensive features. QuickBooks Online ProAdvisor Certification is particularly beneficial for beginners, offering free, industry-recognized credentials. Many bookkeeping courses incorporate QuickBooks training, equipping you with practical skills for client management. Continuous education in QuickBooks can boost your credibility, improve job prospects, and potentially increase your earning potential, as many certified bookkeepers report higher rates after completion. Conclusion To conclude, pursuing a bookkeeping career can be greatly improved by enrolling in one of these top seven classes. Each program, from the Intuit Academy Bookkeeping Professional Certificate to the AIPB Certification Program, offers crucial skills and knowledge for beginners. By choosing the right course, you’ll gain practical experience and valuable credentials that can set you apart in the job market. Taking the initiative to invest in your education will provide a strong foundation for your future success in bookkeeping. Image via Google Gemini This article, "Top 7 Bookkeeping Classes for Beginners to Jumpstart Your Career" was first published on Small Business Trends View the full article

The only thing Pixel users love more than the lock screen's Now Playing widget is talking about the Now Playing widget. Whenever I'm out and about with my Pixel and there's music playing, I'll always take a sneaky look at the lock screen, and yes, it'll have identified the song. It's magical. But until now, that's where the magic stopped. What if you want a list of all the songs the widget recognized while you were at your local cafe? What if you want to save a song or play it in YouTube Music? Or even trigger the music search manually? Until now, that wasn't really possible. Now, Google has chosen to bring this functionality to a dedicated app, as part of its March Pixel Drop. How to find your Now Playing listening history on Google PixelFirst, start by downloading the Now Playing app from the Google Play Store. At launch, it might ask you to download the latest software update and come back in a couple of hours. Once I installed the update, I was in. To use the app, you'll need to enable the background feature that scans for music. If it's disabled, you'll be prompted to enable it before you can use the app (you'll be taken to where you can toggle it on). Credit: Khamosh Pathak The app opens to a history view, and you'll be glad to know that all the songs your Pixel's Now Playing widget previously recognized will all be here. The list can be pretty detailed. For me, it was over 100 songs long. You can do more than look at your history, too. Tap the three-dot Menu button next to any song to listen to it on YouTube Music, add it to your Liked Songs, add it to a playlist, or add it to a Favorites section (which you can visit using the heart icon in the bottom toolbar). Credit: Khamosh Pathak Head over to the Settings section up top, and you'll find an option for Connected music service. You can change your default music service here. Sadly, the only options available right now are YouTube and YouTube Music, but hopefully this means Google will add options for Spotify and Apple Music in future updates. Other than that, the Settings screen is quite bare. You can tap the Clear History button if you want to get rid of all your previously recognized songs, but that's about it. How to manually scan for songs using the Now Playing app Credit: Khamosh Pathak Beyond seeing a history of songs, the advantage of having a dedicated Now Playing app is that you can search for a song even if the widget doesn't automatically detect it. Open the Now Playing app and switch to the Live tab at the end. Then, tap the big Music button to start recognizing the song (if you've ever used Shazam, this should be familiar). In a second, the app will recognize the song, and you'll see a full-screen preview for it. The Now Playing app also supports Quick Settings controls, one of my favorite ways to trigger shortcuts and utilities on Android. To add the Now Playing control to your Quick Settings, open the notification drawer, switch to the Quick Settings panel, and tap the Edit button. Find and add the Now Playing control. Now, the next time you want to find out what you're listening to, just open the Quick Settings panel, tap the Now Playing control, and wait as the app does its thing. View the full article

Things are moving quickly in the Middle East following the February 28 attack by Israel and the United States on Iran. Repeated waves of US-Israeli strikes have hit military and government sites across Iran, killing Ayatollah Ali Khamenei and prompting a temporary leadership council to take charge in Tehran. Iran has responded with threats to close the Strait of Hormuz and launched retaliatory attacks around the Gulf, raising fears that the conflict could spill over into a broader regional war and disrupt global energy supplies. One way the average Joe is trying to keep track is by “monitoring the situation” using dashboards—many of which, their creators admit, were spun up using vibe-coding tools like Claude Code. The tools look like something out of a White House situation room—or at least a Hollywood depiction of one—and vary in what they track. They tend to pull together RSS news feeds, social media sentiment trackers, live news channel streams, and maps to try to identify areas of concern, along with stock market data and the latest trades on crypto and prediction markets. Some make a virtue of their wide-ranging oversight—World Monitor promises to monitor the world. Monitor the Situation also does exactly what it says it will, while also having an associated meme coin. Digital Embassy claims to be a “political and economic intelligence dashboard.” The various dashboards have become a social media sensation, with some calling them the best way to keep on top of a fast-moving situation. Others are… less sure, dinging them AI vibe-coded slop that looks informative without actually being useful. “The dashboards are terrible and they do generally match what I have seen from industry,” says George Mason University professor Missy Cummings. “Steve Jobs would roll over in his grave to see these kludge-monsters.” The problem, as she sees it, is that just because a dashboard may look like something lifted from the movies doesn’t mean it is actually practical for keeping up with fast-moving situations like what’s unfolding in the Middle East. “Somehow people think more information is better and this simply does not promote efficient decision making,” Cummings says. Others see the merits of the dashboards, even if they are unlikely to be a like-for-like alternative to the official databases and tools used by those actually making decisions. There is the question of whether they are good enough, which, for Twitter, seems like, sure, I guess,” says Noah Sylvia, a research analyst in emerging tech at the Royal United Services Institute, a U.K.-based military think tank. But for actual decisionmaking and monitoring of the situation, there is one massive gulf that Sylvia says separates professional products from hobbyist creations. And it is the same principle that applies to the AI products used to create many of the dashboards: Garbage in, garbage out. More than the interface itself, the real difference lies in the data feeding these dashboards. Professionals simply have access to far deeper and more sophisticated datasets than hobbyist analysts on social media, while militaries and government agencies operate with even larger pools of information. “Militaries and government organizations can access far greater quantities of data, both open source intelligence and not,” Sylvia says. However, for the average user simply trying to keep track of what is happening in Iran and the consequences spilling out from the initial attack, the inputs—and outputs—may well be good enough. And as many social media users have pointed out, whoever sets up a sports-bar equivalent of monitoring the situation looks set to make bank. View the full article

The J. Paul Getty Trust has a flexible new logo that ties its extensive art collections and various programs into a single yet versatile identity. The trust, founded in 1953, today runs the Getty Center and Getty Villa art museums in Los Angeles, as well as a foundation, conservation institute, and research institute. The new logo brings all the entities together as a unified brand. “We needed a visual identity that was uniquely Getty and distinct enough to unify how we show up globally,” Yasmine Vatere, assistant director of brand management and marketing, said in a statement. Famed designer Saul Bass created the outgoing logo for the opening of the Getty Center in 1997. The square mark houses the word Getty spelled out in oversize letters arranged in a manner that appears scattered but intentional. No letter is shown in its entirety. The Getty calls that logo “iconic,” but felt it had grown out of it, and sought out the agency Fred & Farid New York to come up with a refresh. The new logo constructs the letter G from four shapes arranged into a square to symbolize the Getty’s four programs. Fred & Farid creative chair Farid Mokart told Fast Company the mark was inspired by the materiality of the travertine blocks at the Getty Center. He says his team wanted a mark that felt like it was built with weight and intention—and it helpfully calls back to Bass’s square logo. “This system gives Getty one clear, ownable expression in support of the work we do around the world,” Vatere said. The G also acts as a frame for the Getty’s collection. In early applications of the mark, artwork and sculptures peek in and over its shapes, adding a contemporary element to visuals that might otherwise read as old and dry to some audiences. The new color palette is led by Getty’s signature blue with bright accent hues drawn from the Getty’s architecture, artworks, and gardens. The challenge in designing a single mark for such a broad application was finding the right level of abstraction so it could feel genuinely Getty but still flexible to appear across all four programs, the agency said. That’s because they reach different audiences. The museums, for example, offer free admission to the public, and thus have different communications and design needs than the conservation institute, which serves professionals, or the research institute, which is geared to students and educators. The Getty’s new tagline to go with the rebrand is “All for Art,” and the new logo was designed for a wide breadth of expression. It’s a mark that’s made to be rearranged, filled with other images, and open by design. View the full article

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Bootstrapping a company from a startup in Croatia to a global platform is not an easy task. When my cofounder Izabel Jelenić and I created Infobip, my parents gave us a modest loan of about $28,000, and we had to find ways to use that investment strategically until we could raise external funding. Over the past 20+ years, we have learned valuable lessons along the way as our company evolved. We have developed newer versions to keep pace with the fast-moving digital world where businesses need to connect with customers quickly and in ways that feel personal. And what we’ve found is that these four strategies worked during the startup phase of our company and are still central to our growth and success today. 1. The power of persistence and learning In the early 2000s, I worked on projects enabling group communication over web, email, and SMS. It became clear that the existing technology couldn’t handle the scale and complexity businesses required. This challenge ignited our mission to build a better platform. That involves a lot of trial and error, and learning to experiment quickly, embracing failure, and continuing to iterate. This “learning by doing” mindset shapes everything we do. But persistence and learning only get you so far. Solving real customer problems must be the focus of development. We’ve always believed that the most meaningful innovations happen when we build with our customers, not just for them. Our work with Uber is a perfect example of our co-creation mindset in action. Together, we developed the Number Masking API to quickly address a regional safety concern and protect both drivers and riders. We also collaborated to create a WhatsApp-based ride-booking experience tailored to local language users in India. These solutions didn’t emerge from assumptions. They grew from open dialogue, shared problem-solving, and a commitment to understanding what Uber’s customers truly value. That is the power of co-creation, and it’s at the core of how we innovate at Infobip. 2. Stay current with changing customer expectations Over the past two decades, customer expectations have changed dramatically. Consumers now want real conversations—not one-way messages—on channels they use with family and friends. Research shows that 71% of Gen Z prefer messaging over phone calls for customer service and expect businesses to keep up. This shift requires companies to move beyond simple texts to rich business messaging via chat apps, RCS, and email. For us, it meant evolving from SMS to a full omnichannel platform that supports seamless, two-way engagement across channels. Generative AI is also rapidly changing customer expectations, and by extension how companies design products and services. Integrating AI into platforms allows brands to provide personalized, conversational experiences at scale—improving customer satisfaction while cutting operational costs. Some businesses have seen a fourfold increase in conversion rates and a 30% reduction in support costs after adopting conversational AI. These numbers tell a powerful story: AI isn’t just futuristic tech; it’s a practical tool that transforms how companies connect with their customers right now. Looking ahead, 2026 will be a breakthrough year as generative AI and omnichannel communication converge to redefine customer engagement and digital ecosystems. We are particularly excited about agentic AI, autonomous agents that can orchestrate smarter, more personalized customer journeys across channels. However, real differentiation comes from a human-in-the-loop approach, where AI handles scale and speed while human expertise steps in to resolve complex scenarios and continuously train, guide, and optimize agents themselves. Retail and eCommerce are already leading the way with hyper-personalized experiences, while healthcare and finance are rapidly adopting AI-driven solutions to enhance patient care with trust, security, and compliance. By embedding generative and agentic AI alongside human oversight into our platform, we help businesses transform at scale without losing empathy, ensuring their customers continue to see them as trusted, innovative leaders in their fields. 3. Build agile, customer-centric teams Innovation isn’t about tech alone. Small, cross-functional teams that work closely with customers across industries like retail, finance, healthcare, and telecom have advantages. Being close to customer challenges allows teams to deliver tailored solutions and anticipating future trends. Staying close to the customer provides an inside look into the complex regulations, cultures, and technologies that matter most to them. When you prioritize security, privacy, and compliance—all of which customers tell us are important—you build loyalty. 4. Partner with startups and industry giants Growth is often measured in numbers. But we have found it’s just as important to consider impact too. Supporting startups and partnering with the industry’s biggest companies allows all of us to innovate in ways that enrich communities and empower people more than any one of us could on our own. KEY LEARNINGS FROM OUR JOURNEY The key lesson from our journey: technology alone won’t solve problems. Start with real customer needs. Listen constantly. Move fast but thoughtfully. Build scalable, secure systems. Above all, keep the human connection at the heart of communication. The technology, tools, and channels will keep evolving. But the need to build authentic relationships is forever. The best innovations help us do just that—better, smarter, and at scale. Silvio Kutić is the CEO and cofounder of Infobip. 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Two British-Chinese nationals, including former UK Border Force official, accused of undertaking surveillanceView the full article

Since its invention in 1903, the classic Monopoly board game has spawned such a plethora of spin-offs that they nearly span the breadth of all possible human interests. From gardening and beer drinking to the FIFA World Cup, Star Wars, and the city of Edinburgh, Scotland, if you can think of it, there’s a fair chance it’s been turned into a Monopoly game. Now there’s yet another version out there. This one celebrates the life and legacy of artist Keith Haring in a design by WS Game Co., a licensee of Hasbro (Monopoly’s parent company) that specializes in deluxe versions of classic tabletop games. For the 40th anniversary of Haring’s iconic New York City store, Pop Shop, WS Game Co. took inspiration from his portfolio of art, as well as the events of his life, to create the fully customized Keith Haring Monopoly game, now available on its website for $80. For game designers, Monopoly is something of a chameleon: The game’s simple setup, location-based play, and variety of physical pieces make it a perfect canvas for adaptation. The total figure is difficult to nail down, but some Monopoly-heads estimate that more than 1,500 official spin-offs have been produced. The game can bend to fit any universe or story, from a sci-fi epic to an ode to a small town. In this case, it doubles as a display-worthy piece of art. Art that’s become ubiquitous It was only a matter of time before someone decided to create Keith Haring Monopoly, considering how ubiquitous the late artist’s work has become in pop culture and brand collaborations. Since his death in 1990, Haring’s art has appeared on everything from Legos to Dr. Martens and inflatable home decor. For Haring, ubiquity was often the goal. He made his name through graffiti and public art, which he used to spread a message of equality and acceptance to the masses. In 1986, Haring opened the Pop Shop in SoHo, where he sold buttons, stickers, posters, and other prints of his work for ultra-low prices. At the time, the move was intensely criticized by the art world—though now it’s recognized as a distinctly ahead-of-its-time approach. A very Haring board game To capture the legacy of both Haring and his iconic shop in Monopoly form, WS Game Co. worked closely with Artestar, the licensing agency that manages Haring’s estate. Kerry Silva Addis, owner of WS Game Co., says each property on the board represents an important location from Haring’s life, highlighting everything from his birthplace to the schools he attended and the studio spaces he used. “Players travel from his hometown of Kutztown, Pennsylvania, to iconic New York City landmarks and nightclubs, as well as the subway stations where he first gained recognition for his signature white chalk drawings on vacant advertising panels,” Addis says. Naturally, Haring’s art is also incorporated throughout the game. The die-cast metal tokens include 3D versions of his works Radiant Baby and Barking Dog. The houses are actually multicolored dancing figures, and the hotels are boom boxes. The Chance and Community Chest cards have been replaced with “Heart” and “Pop Shop” cards, which feature Haring’s signature heart illustration and the shop’s logo, respectively. Even the game board’s railroad spaces have been replaced with iterations of the drawings Haring posted in NYC subway stations in the 1980s. In an ode to Haring’s distinctive style, the front of the game box includes a heart-shaped gathering of dancing figures that could easily be repurposed as its own piece of mountable artwork. “Throughout the process, it often felt like we weren’t just interpreting his work, but truly collaborating with Keith himself,” Addis says. “Immersing ourselves in his visual language, philosophy, and social impact gave the project a profound sense of purpose. Honoring his legacy in a way that feels genuine was truly a once-in-a-lifetime opportunity.” View the full article

We may earn a commission from links on this page. Traditionally, movies released in theaters in January and February are, uh, troubled. But streaming is opposite world. Studios want to get their best material in front of as many eyes as possible in the run up to the Oscars, leading to a glut of streaming prestige movies, an embarrassment of cinematic riches. Whether you like high-concept sci-fi, quirky, auteur-driven dramas, or record-breaking awards contenders, February’s streaming charts are excellent. Here's the full list of the top 10 most-streamed movies of February 2026 across all major streaming services, as compiled by JustWatch. Predator: Badlands (2025) The excellent reboot of the Predator franchise continues with Predator: Badlands, a fast-paced thrill-ride of a movie told from the predator's point of view. Dimitrius Schuster-Koloamatangi stars as a young alien super-hunter, cast out from his tribe and banished to a lonely planet where he meets Thia, played by Elle Fanning. The unlikely pair set out on a quest for the ultimate adversary. Stream Predator: Badlands on Hulu. Predator: Badlands (2025) at Hulu Learn More Learn More at Hulu Bugonia (2025) I love when a weirdo movie finds a big audience, and Bugonia is that movie. Jesse Plemons and Aidan Delbis play a couple of societal dregs who kidnap a high-powered pharmaceutical executive (Emma Stone) because they think she's an alien. Directed by Yorgos Lanthimos, who helmed 2023's excellent Poor Things, the Best Picture Oscar nominee is a must-watch, even if you're only a little weird. (And if you want more weirdness, it's based on an even odder South Korean film called Save the Green Planet.) Stream Bugonia on Peacock. Bugonia (2025) at Peacock Learn More Learn More at Peacock Blue Moon (2025) The great Richard Linklater (Dazed and Confused, Boyhood) directs Ethan Hawk in a biopic about the last days of legendary lyricist Lorenz Hart. The year is 1943, and Oklahoma! is opening on Broadway. While Richard Rodgers is celebrating his biggest hit with his new partner Oscar Hammerstein, Hart is left to drink and pine for his muse Elizabeth, played by Margaret Qualley. Ethan Hawk delivers a career-defining and Oscar-nominated performance in this funny, sad rumination on the nature and price of genius. Stream Blue Moon on Netflix. Blue Moon (2025) at Netflix Learn More Learn More at Netflix If I Had Legs I'd Kick You (2025) Production company A24's unbroken string of interesting, intelligent movies continues with If I Had Legs I'd Kick You. Directed by Mary Bronstein, If I Had Legs is a tense look at the toxic side of motherhood. Rose Byrne earned an Oscar nomination for her portrayal of Linda, an exhausted mom caring for her chronically ill daughter while navigating her own mental breakdown. It's not exactly an uplifting crowd-pleaser, but it is an uncompromising, unforgettable film. Stream If I Had Legs I'd Kick You on HBO Max. If I Had Legs I'd Kick You (2025) at HBO Max Learn More Learn More at HBO Max One Battle After Another (2025) Paul Thomas Anderson's nuanced, intelligent thriller about resistance and race in a fascistic, anti-immigration United States is an instant classic. Featuring fantastic performances from heavyweights like Leonardo DiCaprio, Sean Penn, Benicio Del Toro, and Regina Hall, One Battle After Another is that rare movie that's equal parts thoughtful and exciting. It was nominated for 13 Oscars. Stream one Battle After Another on HBO Max. One Battle After Another (2025) at HBO Max Learn More Learn More at HBO Max Song Sung Blue (2025) I would not be interested in a movie about "Sweet Caroline" singer Neil Diamond, but I could totally get down with a movie about a Neil Diamond impersonator. Song Sung Blue tells the true story of Milwaukee-based husband and wife Mike and Claire Sardina, who performed at state fairs as Neil Diamond tribute duo "Lightning & Thunder" throughout the 1990s, and even found a weird kind of semi-fame by opening for bands like Urge Overkill and Pearl Jam. Kate Hudson was nominated for an Oscar for playing Lightning and Hugh Jackman was robbed. Stream Song Sung Blue on Peacock. Song Sung Blue at Peacock Learn More Learn More at Peacock Sinners (2025) This one-of-kind flick mashes up so many styles, it's practically its own genre. A historical-horror-ensemble romance-drama-comedy-musical exploring race and historical prejudice in the United States, Sinners tells its story through both song and vampire violence. It is absolutely top-notch in every cinematic way, which is probably why it earned a record 16 Oscar nominations. Stream Sinners on HBO Max and Prime Video. Sinners (2025) at Prime Video Learn More Learn More at Prime Video The Running Man (2025) Based on a 1982 novel by Stephen King (writing as Richard Bachman) and directed by Edgar Wright, The Running Man is a dystopian near-future sci-fi action movie in which the most popular show on TV is a deadly reality competition with contestants who must survive 30 days while being hunted by professional assassins. I hate to admit that I would totally watch that show, and you should totally watch this movie. Stream The Running Man on MGM+ and Paramount+. The Running Man (2025) at MGM+ Learn More Learn More at MGM+ Eternity (2025) In this high-concept romantic comedy, Elizabeth Olsen plays Joan, a recently deceased woman with a very important decision before her. She has a week in purgatory to choose who to spend eternity with: her first husband Luke—a handsome, romantic dude played by Callum Turner—or her second husband, Larry—a dependable everyman (Miles Teller). Stream Eternity on Apple TV+. Eternity (2025) at Apple TV+ Learn More Learn More at Apple TV+ Rental Family (2025) The resurgence of Brendan Frasier is delightful. In Rental Family, Fraser is perfectly cast as an American actor in Tokyo whose job is playing different roles in people's lives. A premise like that could set up a dystopian nightmare of a movie, but director Hikari takes a lighter, more subtle approach to exploring the thin line between performance and reality. Stream Rental Family on Hulu. Rental Family (2025) at Hulu Learn More Learn More at Hulu View the full article

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Airport lounges are getting bigger, flashier, and increasingly crowded. American Express (Amex) believes the next evolution might actually be smaller. On Wednesday, the company opened the doors to Sidecar by The Centurion Lounge, a new 33-seat speakeasy-style lounge concept at Harry Reid International Airport in Las Vegas. The space is designed specifically for travelers who have 90 minutes or less before boarding, offering a quick stop for food, drinks, and a moment of calm before heading to the gate. The opening represents the first new format for the Centurion Lounge brand since the network debuted more than a decade ago. According to Audrey Hendley, president, global travel and lifestyle services for American Express, the concept emerged after Amex studied how travelers actually use its lounges. “When we looked at customers’ behavior of the lounges, there are a lot of customers who come on their own or with two people with shorter time available but they still want to experience a lounge,” Hendley tells Fast Company. Sidecar was designed to meet that demand. “We designed the lounge in a smaller space to really suit the needs of those types of customers,” Hendley said. “They want to come, they want an elevated experience, they want something to eat, they probably want something to drink and get themselves on their way.” A lounge built for quick visits Unlike traditional airport lounges with amenities like dedicated workspaces and showers designed for longer layovers, Sidecar is meant to function almost like a small restaurant inside the terminal. Travelers can sit at the bar or at small tables and order restaurant-quality food and drinks through a QR code system. Orders are delivered directly by servers, creating a more restaurant-style experience than the buffet approach typical of many airport lounges. “We are really trying to lean into restaurants and create a good experience for customers to maximize their time when they are in the space,” Hendley says. The lounge also operates under tighter time rules than a traditional Centurion Lounge. Eligible cardholders can enter within 90 minutes of their flight departure, which encourages quicker visits and faster turnover. Hendley notes that if your flight ends up getting delayed while you’re inside, you won’t be kicked out when your 90 minutes are up. The new concept sits near Gate D1 in Concourse D, a short walk from the airport’s main Centurion Lounge. The two lounges are designed to complement each other rather than compete. “If you have a longer time, you are probably better off in the other lounge where there is more space,” Hendley says. A chef-driven menu Despite the smaller footprint, American Express is leaning heavily on the culinary reputation of the Centurion brand. Sidecar’s rotating menu features dishes from The Culinary Collective by The Centurion Lounge, a group of chefs whose restaurants span the country and whose cuisines range from Afro Caribbean to Italian. The lineup includes Kwame Onwuachi, Michael Solomonov, Mashama Bailey, and Sarah Grueneberg. Dishes on the opening menu include crushed cucumber salad with crispy rice pearls, avocado toast with schug labneh and black sesame seeds, and mushroom and mustard greens egg bites with black garlic aioli. For Onwuachi, the challenge of designing dishes for an airport lounge versus a restaurant is less about the setting and more about scale. “It’s definitely different, but we just focus on flavor and streamlining a little bit,” Onwuachi said. He said his approach to creating dishes does not change much based on the venue. “We think about good food and we got to figure out how to do it, no matter how big or small the space,” he says. That often means adapting restaurant techniques to work at airport volume while maintaining flavor. “We can’t put caviar and truffles and things like that. But we’re able to still inject flavor into it in many different ways,” Onwuachi said. Recipes are developed in the chefs’ own kitchens before being adapted for the lounge environment. “We create it in our kitchens, we document the recipes, and we send it over,” Onwuachi said. “At the end of the day, they still have a kitchen. It’s just a lot more volume.” A curated wine program Wine will also play a central role in the experience. Sommelier Helen Johannesen, founder of Helen’s Wines and partner in Jon and Vinny’s restaurants, curated the wine list for Sidecar and will oversee wine programs across Centurion Lounges in the United States beginning in spring 2026. Johannesen said she approached the project with the goal of making the wine program feel as intentional as the food. “I created over 200 different wines nationwide for the launch,” she says. “The Centurion Lounge and Sidecar are such an elevated experience. The wine should match that and go with the food.” Her philosophy was to ensure the wines enhance the overall lounge environment rather than simply fill out a menu. “When you are sitting in a gorgeous space like this and drinking a beautiful glass of wine, you should not feel like someone barely thought about it,” Johannesen says. “You should feel like there is intention behind it.” For the Las Vegas location, she curated a smaller, tightly edited list of seven wines designed to appeal to a wide range of travelers passing through the airport. “I thought about how Las Vegas gets a traveler that is more national, so people are coming in and out of Vegas from all over the country,” she said. “I wanted varietals that felt exciting but also universal so there is something for everyone.” That approach includes familiar grapes like Chardonnay and Sauvignon Blanc, but with distinctive producers and styles. At the same time, she said the wine list is designed to complement the food rather than compete with it. Designed with Las Vegas in mind The new lounge is intentionally compact, but American Express leaned into design to make the space feel immersive. Sidecar’s interior draws on an oasis-in-the-desert concept that combines desert-inspired tones with touches of Las Vegas glamour. The space features natural stone surfaces, greenery, brass accents, antique mirrors, and warm lighting, along with subtle touches of American Express blue. The goal is to create a speakeasy-inspired retreat inside the airport that contrasts with the bustle of the terminal. Clark County aviation leadership says the concept also reflects how airports are thinking more strategically about space. According to James C. Chrisley, airports increasingly need to maximize limited terminal space while still delivering a premium traveler experience. The airport lounge arms race Airport lounges used to be a quiet perk for frequent flyers. In 2026, they have become one of the most competitive fronts in the credit card industry. Premium card issuers are investing heavily in airport spaces as a way to win and retain affluent travelers. Lounges have evolved from simple waiting rooms with snacks into physical expressions of a card’s brand. Instead of marketing benefits like points multipliers or statement credits on paper, companies are building spaces where travelers can experience those perks before their trip even begins. American Express has been one of the biggest players in that shift. The Centurion Lounge network, which now includes 32 locations worldwide, helped set the modern standard for credit card lounges with chef partnerships, premium cocktails, and design that feels more like a boutique hotel than an airport terminal. Sidecar represents the next iteration of that strategy. At the same time, competitors are experimenting with their own interpretations of what a premium travel experience should look like. Capital One has leaned heavily into chef-driven food and local partnerships in its lounges, and recently pushed the concept further by opening Capital One Landing at LaGuardia Airport in New York. The space, created with chef José Andrés, functions more like a full restaurant than a traditional lounge, with a large working kitchen and a tapas-style menu cooked from scratch. Chase is also testing new formats within its Sapphire Lounge network, including location-specific concepts designed to reflect the cities they serve. Some spaces emphasize locally inspired menus or distinctive design elements that make the lounge feel like part of the destination rather than just a stop before boarding. The common thread is that the competition has moved beyond simply offering lounge access. Now the question is what kind of experience travelers find when they walk inside. “We learn from all of them,” said Audrey Hendley of the company’s growing network of lounges. “They all have different personalities and different customers who go through them.” The broader goal, she said, is to continue expanding the role American Express plays in the travel journey. “Customers want American Express to help them with their end-to-end travel experience,” Hendley said. “We want to continue to innovate in this space and lead in the lounge space as we have been doing for the last 13 years.” View the full article

Americans are feeling financially stretched: 92% cut back on spending last year, including curbing essentials like healthcare and groceries. Is this really the time for Target to be focused on trendy throw pillows, luxury beauty products, and premium sodas? At Target’s investor day on Tuesday, CEO Michael Fiddelke tried to convince Wall Street that the retailer is about to undergo a massive turnaround, after years of declining comparable sales, most recently in this last quarter. His reinvention plan is anchored in stylish design, differentiation from other retailers, and delighting the customer in-store. But none of these strategies seemed built for the economic moment we’re currently in. The plan, as laid out by Fiddelke, chief merchandising officer Cara Sylvester, and CFO Jim Lee, involves $1 billion in new investment, 130-plus store remodels, 3,000 new items in the beauty aisle, and a deliberate push to reclaim Target’s identity as the cool, affordable alternative to boring big-box retail. It is, in many respects, a story Target has told before—and that’s the problem. “I’ve seen Target at our best, I’ve seen us when we’re not at our best,” Fiddelke said in response to an analyst who noted that many elements of the current plan looked remarkably similar to what Target attempted a decade ago. “The ingredients that have always fueled us at our best are when we’re design-led, when we’re winning with differentiation, and when our experience is top-notch.” But what worked for Target in the past is unlikely to work now. It’s not just that the retail landscape has evolved, with competitors like Walmart encroaching on Target’s territory with more stylish products. The U.S. is now in the midst of a full-blown affordability crisis, and consumers of all social classes are all looking for cheaper options that will stretch their dollar. In a trade-down economy, Target’s focus on premium products and exciting in-store experiences doesn’t seem like what shoppers need right now. A Playbook Built for Another Era Target’s pitch to investors is rooted in a very specific vision of its customer: Someone who grabs a Starbucks cappuccino on the way in, wanders the aisles in search of something new, and feels good when the product is cheaper than what they saw at Nordstrom. “We want that smile to get bigger when you flip over the price tag and see the value that’s there,” Fiddelke said, describing the aspirational shopping experience that has long defined Target’s brand identity. The problem is that this customer—the one who shops for pleasure, who browses, who reaches for the new—is under enormous financial pressure right now. As U.S. involvement in the Iran conflict sends energy prices climbing and reignites fears of a fresh inflation wave, American consumers are cutting back broadly. According to the 2026 Cost-of-Living Crunch Report, only 12% of workers say their wages have kept pace with inflation, and just 17% feel financially secure enough to save money after spending on essentials. Many Americans are struggling to afford their essentials, with 65% saying these expenses cause stress, and 49% dipping into savings to buy what they need. The notion that these same consumers will resume discretionary spending through refreshed home and apparel aisles—however stylishly merchandised—may be wishful thinking. Yet Target’s turnaround plan leans heavily into exactly those categories. Fiddelke spoke enthusiastically about the profit potential of clothing and home goods, describing them as “high-margin categories” that, when they are “humming on the top line,” generate substantial profit. Sylvester offered the brand’s own-label story as evidence of the value equation at work: “Cat & Jack—phenomenal kids’ clothing brand. We design the leggings with reinforced knees, they’re $5, oh and by the way, you can return it. That is the value equation that we expect of all of our own brands.” (The line generates upwards of $3 billion a year for Target.) On the one hand, it makes sense for Target to spruce up its apparel lines. According to Coresight Research data, Target’s apparel sales fell almost 5% in 2025, when the rest of the market grew 4.8%. Target’s beauty sales were flat, when the total market grew 5%. “Target needs to act to stem its loss of market share,” says John Mercer, head of global research at Coresight Research. But on the other, fashion-forward clothing is a discretionary purchase. And families feeling the financial pinch may be less inclined to buy their kids a wardrobe full of trendy new outfits. They might opt, instead, to buy basics from budget retailers like TJ Maxx or buying secondhand from ThredUp. The Trade-Down Economy Is Real, and Target Is Late to It While Target has spent years navigating several simultaneous crises—including a boycott because it reneged on its DEI policies, and complaints about messy stores and long check-out line—a different cohort of retailers has been quietly gaining ground. Walmart has posted consistent comparable sales growth by doubling down on everyday value, grocery, and online sales. Ulta Beauty, once written off as a niche player, has grown explosively by understanding that customers are trading down from luxury but still want occasional indulgences. The trade-down economy does not mean Americans stop spending. It means they spend more carefully and more deliberately. Value-focused retailers are winning because they are consistently focused on low prices and helping the customer stretch their dollar through promotions and discounts. Target’s proposition, by contrast, has grown murky. The company is trying to be many things simultaneously: a design destination, a grocery stop, a beauty authority, a tech-enabled convenience play. Fiddelke argues that this allows it to differentiate itself from other retailers, which presumably includes its biggest competitor, Walmart. But this seems misguided. Budget-focused retailers have been growing in recent quarters. It might make better sense for Target to take a page from their playbook. A Team of Veterans Fiddelke, who began his career at Target in 2023 as an intern, was named CEO last year. Throughout the call, he argued that his institutional knowledge is a strength. “I feel more aligned as a leadership team and as a company on what our unique path is to win than I’ve probably ever felt in my 23 years,” he said. Nostalgia is a powerful force inside a corporate culture. But a leadership team that has spent decades inside Target—and has absorbed its mythology—might be poorly positioned to reckon honestly with what it needs to become. When investors pressed on whether Fiddelke’s plan was truly different from past attempts, the answers kept circling back to the same touchstones: design, differentiation, delightful experience. These are real strengths. They built a genuinely beloved brand. But they are also a rearview mirror—a map of a landscape that has already changed. The centerpiece of Target’s investment plan is the physical store. Hundreds of millions in added payroll, 130-plus full remodels, expansion into new markets. “The delight when we bring a new Target to a new market,” Fiddelke said, invoking the emotional resonance that a store opening can generate in a community. Lee added that the “bulk” of the $1 billion investment would go toward guest-facing store improvements. The company plans to touch all 2,000 locations with new assortment—more newness, Fiddelke said, “than we’ve seen in any year in the last decade.” Analysts aren’t sure this is the right move. “As a general principle, we are wary of consumer staples retailers pouring money into store remodels when they are losing share to highly price-competitive retailers,” says Mercer of Coresight Research. “It’s an approach that generally hasn’t tended to work well in the past.” Across Target’s existing footprint, the biggest challenge is not aesthetics. It is whether the value proposition—the reason to drive to a Target rather than click to Amazon or swing through Walmart—is compelling enough at a moment when the consumer isn’t looking for indulgence. In the trade-down economy, delight is a luxury. And Target has not yet made the case that it understands this new reality. View the full article

In today’s competitive environment, effective customer support management is vital for business success. To achieve this, you’ll need the right tools that streamline operations and improve customer interactions. By utilizing help desk software, live chat systems, and knowledge bases, among others, you can enhance service delivery and boost satisfaction. Comprehending these fundamental tools can greatly impact your support strategy. So, what specific tools should you consider implementing for ideal results? Key Takeaways Help Desk Software: Centralizes customer inquiries for efficient tracking and resolution, ensuring no issue goes unaddressed. Live Chat Tools: Facilitate real-time support, significantly increasing customer satisfaction and providing immediate assistance. Knowledge Base Software: Empowers customers to independently find answers, reducing support ticket volume and enhancing self-service options. CRM Tools: Enable personalized interactions, helping maintain strong customer relationships and improving overall service delivery. AI-Powered Tools: Automate repetitive tasks, enhance efficiency, and provide insights through advanced analytics and performance tracking. What Is Customer Support Management? Customer Support Management (CSM) is a strategic approach that focuses on overseeing customer interactions to improve satisfaction and cultivate loyalty. It involves various tools and processes designed to meet customer needs effectively. Key elements of customer support management include case management, which tracks inquiries, and omnichannel support, ensuring customers receive consistent experiences across different platforms. Automation plays an essential role by streamlining repetitive tasks, allowing support teams to focus on more complex issues. In addition, self-service tools empower customers, addressing the fact that 61% prefer solving simple problems independently. Effectively measuring success in CSM typically involves metrics like Customer Satisfaction (CSAT), First Contact Resolution (FCR), and Net Promoter Score (NPS). These metrics help assess the overall customer experience and performance, ultimately influencing customer satisfaction and driving business success. Benefits of Customer Support Tools During the process of maneuvering through the intricacies of customer interactions, utilizing customer support tools can greatly improve your support team’s efficiency and effectiveness. As a customer support manager, you’ll find that these tools streamline processes and allow your agents to focus on complex inquiries instead of repetitive tasks. Here are some key benefits of customer support tools: Faster resolution times: Organizations can resolve issues up to 30% faster with a ticketing system. Increased customer satisfaction: Live chat features can boost customer satisfaction rates by up to 73%. Reduced support ticket volume: Self-service options can cut support tickets by 61%, helping customers find answers independently. Performance tracking: Analytics integration enables tracking of metrics like CSAT and FCR, leading to informed decision-making. Types of Customer Support Tools When traversing the terrain of customer support, comprehending the various types of tools available can greatly boost your team’s effectiveness. A robust customer service management system typically includes help desk software, such as Zendesk and Freshdesk. These tools centralize inquiries, allowing for efficient tracking and resolution of customer issues across multiple channels. Live chat tools, like Crisp and LiveAgent, facilitate real-time communication, improving customer satisfaction through immediate assistance. Knowledge base software, such as Help Scout and Zendesk Guide, empowers customers to find answers independently, markedly reducing support ticket volume. Furthermore, CRM tools enable personalized interactions, ensuring your team can maintain strong customer relationships. Finally, AI-powered tools from Nextiva and Intercom automate repetitive tasks, providing chatbots for instant help and utilizing predictive analytics to boost overall efficiency. Top 5 Customer Support Tools Selecting the right customer support tools can greatly improve your team’s efficiency and effectiveness. Here are five top tools that can boost your customer support team’s performance: Zendesk: A highly customizable platform with advanced reporting and a unified view across channels, suitable for all business sizes. Help Scout: Offers a shared inbox and strong collaboration features, along with AI capabilities to draft email responses, increasing efficiency. Intercom: Focuses on premium AI support, providing extensive knowledge base features, user-friendly inboxes, and custom bot creation for personalized interactions. Zoho Desk: Stands out for its advanced AI features, including a virtual assistant that generates context-aware responses and analyzes customer emotions, improving support quality. These tools can help your customer support team streamline processes, improve communication, and deliver better service. Eventually, this leads to satisfied customers and increased loyalty. How to Choose the Right Customer Support Tool Choosing the right customer support tool can greatly impact your team’s ability to provide effective service and maintain customer satisfaction. As a support manager, start by evaluating your team’s specific needs and workflows. Verify the tool offers vital features like ticketing, live chat, and automation capabilities that align with your operations. Integration is significant; check if the tool can seamlessly connect with existing software, such as CRM systems, to improve efficiency. Examine scalability to accommodate business growth and evolving customer demands, especially if you anticipate increased ticket volumes. Review user feedback and case studies to understand how the tool has benefited similar businesses, focusing on metrics like customer satisfaction (CSAT) and first contact resolution (FCR). Finally, prioritize tools with robust reporting and analytics features, as these provide valuable insights into customer interactions and agent performance, helping you identify areas for advancement in your support processes. Frequently Asked Questions What Are the 7 R’s of Customer Service? The 7 R’s of customer service are essential for effective service delivery. They include: Right Product, ensuring customers get what they ordered; Right Place, for accurate delivery locations; Right Time, focusing on promptness; Right Price, maintaining competitive pricing; Right Quantity, providing the correct amount; Right Quality, ensuring products are in ideal condition; and Right Customer, targeting the appropriate audience. Comprehending these principles helps you improve customer satisfaction and streamline service processes. What Are the 7 Cs of Customer Service? The 7 Cs of customer service are Clarity, Consistency, Capability, Commitment, Courtesy, Creativity, and Communication. Clarity means delivering straightforward information, whereas Consistency guarantees you provide reliable service across all interactions. Capability highlights your team’s knowledge and skills in addressing customer needs. Commitment reflects your dedication to customer satisfaction, and Courtesy involves treating customers with respect. Creativity allows you to solve problems innovatively, and Communication guarantees effective information exchange with customers. What Are CCM Tools? CCM tools, or Customer Communication Management tools, help you deliver personalized and consistent communications to your customers across various channels like email, SMS, and social media. They automate communication processes, track interactions, and manage customer preferences, enhancing engagement. By supporting omnichannel strategies, these tools guarantee a cohesive experience for your customers. Integrating with CRM systems allows for targeted messaging, eventually leading to improved customer loyalty and retention through consistent experiences. What Are the 7 Essentials to Excellent Customer Service? To provide excellent customer service, focus on seven fundamentals: active listening to understand needs, consistency across communication channels, and personalization that acknowledges customer history. Speed and efficiency are critical for timely responses, whereas empowering customers with self-service options boosts satisfaction. Furthermore, a knowledgeable team that can resolve issues quickly contributes greatly. Finally, gathering feedback helps improve services continuously, ensuring you meet evolving customer expectations effectively. Each element plays a significant role in achieving customer satisfaction. Conclusion In summary, effective customer support management relies on crucial tools that streamline operations and improve service delivery. By integrating help desk software, live chat tools, knowledge base software, CRM tools, and AI-powered solutions, you can create a more efficient support system. Each tool plays a key role in addressing customer needs, reducing response times, and nurturing positive relationships. When selecting the right tools, consider your specific requirements to guarantee they align with your organization’s goals and boost overall customer satisfaction. Image via Google Gemini This article, "5 Essential Tools for Customer Support Management" was first published on Small Business Trends View the full article

In today’s competitive environment, effective customer support management is vital for business success. To achieve this, you’ll need the right tools that streamline operations and improve customer interactions. By utilizing help desk software, live chat systems, and knowledge bases, among others, you can enhance service delivery and boost satisfaction. Comprehending these fundamental tools can greatly impact your support strategy. So, what specific tools should you consider implementing for ideal results? Key Takeaways Help Desk Software: Centralizes customer inquiries for efficient tracking and resolution, ensuring no issue goes unaddressed. Live Chat Tools: Facilitate real-time support, significantly increasing customer satisfaction and providing immediate assistance. Knowledge Base Software: Empowers customers to independently find answers, reducing support ticket volume and enhancing self-service options. CRM Tools: Enable personalized interactions, helping maintain strong customer relationships and improving overall service delivery. AI-Powered Tools: Automate repetitive tasks, enhance efficiency, and provide insights through advanced analytics and performance tracking. What Is Customer Support Management? Customer Support Management (CSM) is a strategic approach that focuses on overseeing customer interactions to improve satisfaction and cultivate loyalty. It involves various tools and processes designed to meet customer needs effectively. Key elements of customer support management include case management, which tracks inquiries, and omnichannel support, ensuring customers receive consistent experiences across different platforms. Automation plays an essential role by streamlining repetitive tasks, allowing support teams to focus on more complex issues. In addition, self-service tools empower customers, addressing the fact that 61% prefer solving simple problems independently. Effectively measuring success in CSM typically involves metrics like Customer Satisfaction (CSAT), First Contact Resolution (FCR), and Net Promoter Score (NPS). These metrics help assess the overall customer experience and performance, ultimately influencing customer satisfaction and driving business success. Benefits of Customer Support Tools During the process of maneuvering through the intricacies of customer interactions, utilizing customer support tools can greatly improve your support team’s efficiency and effectiveness. As a customer support manager, you’ll find that these tools streamline processes and allow your agents to focus on complex inquiries instead of repetitive tasks. Here are some key benefits of customer support tools: Faster resolution times: Organizations can resolve issues up to 30% faster with a ticketing system. Increased customer satisfaction: Live chat features can boost customer satisfaction rates by up to 73%. Reduced support ticket volume: Self-service options can cut support tickets by 61%, helping customers find answers independently. Performance tracking: Analytics integration enables tracking of metrics like CSAT and FCR, leading to informed decision-making. Types of Customer Support Tools When traversing the terrain of customer support, comprehending the various types of tools available can greatly boost your team’s effectiveness. A robust customer service management system typically includes help desk software, such as Zendesk and Freshdesk. These tools centralize inquiries, allowing for efficient tracking and resolution of customer issues across multiple channels. Live chat tools, like Crisp and LiveAgent, facilitate real-time communication, improving customer satisfaction through immediate assistance. Knowledge base software, such as Help Scout and Zendesk Guide, empowers customers to find answers independently, markedly reducing support ticket volume. Furthermore, CRM tools enable personalized interactions, ensuring your team can maintain strong customer relationships. Finally, AI-powered tools from Nextiva and Intercom automate repetitive tasks, providing chatbots for instant help and utilizing predictive analytics to boost overall efficiency. Top 5 Customer Support Tools Selecting the right customer support tools can greatly improve your team’s efficiency and effectiveness. Here are five top tools that can boost your customer support team’s performance: Zendesk: A highly customizable platform with advanced reporting and a unified view across channels, suitable for all business sizes. Help Scout: Offers a shared inbox and strong collaboration features, along with AI capabilities to draft email responses, increasing efficiency. Intercom: Focuses on premium AI support, providing extensive knowledge base features, user-friendly inboxes, and custom bot creation for personalized interactions. Zoho Desk: Stands out for its advanced AI features, including a virtual assistant that generates context-aware responses and analyzes customer emotions, improving support quality. These tools can help your customer support team streamline processes, improve communication, and deliver better service. Eventually, this leads to satisfied customers and increased loyalty. How to Choose the Right Customer Support Tool Choosing the right customer support tool can greatly impact your team’s ability to provide effective service and maintain customer satisfaction. As a support manager, start by evaluating your team’s specific needs and workflows. Verify the tool offers vital features like ticketing, live chat, and automation capabilities that align with your operations. Integration is significant; check if the tool can seamlessly connect with existing software, such as CRM systems, to improve efficiency. Examine scalability to accommodate business growth and evolving customer demands, especially if you anticipate increased ticket volumes. Review user feedback and case studies to understand how the tool has benefited similar businesses, focusing on metrics like customer satisfaction (CSAT) and first contact resolution (FCR). Finally, prioritize tools with robust reporting and analytics features, as these provide valuable insights into customer interactions and agent performance, helping you identify areas for advancement in your support processes. Frequently Asked Questions What Are the 7 R’s of Customer Service? The 7 R’s of customer service are essential for effective service delivery. They include: Right Product, ensuring customers get what they ordered; Right Place, for accurate delivery locations; Right Time, focusing on promptness; Right Price, maintaining competitive pricing; Right Quantity, providing the correct amount; Right Quality, ensuring products are in ideal condition; and Right Customer, targeting the appropriate audience. Comprehending these principles helps you improve customer satisfaction and streamline service processes. What Are the 7 Cs of Customer Service? The 7 Cs of customer service are Clarity, Consistency, Capability, Commitment, Courtesy, Creativity, and Communication. Clarity means delivering straightforward information, whereas Consistency guarantees you provide reliable service across all interactions. Capability highlights your team’s knowledge and skills in addressing customer needs. Commitment reflects your dedication to customer satisfaction, and Courtesy involves treating customers with respect. Creativity allows you to solve problems innovatively, and Communication guarantees effective information exchange with customers. What Are CCM Tools? CCM tools, or Customer Communication Management tools, help you deliver personalized and consistent communications to your customers across various channels like email, SMS, and social media. They automate communication processes, track interactions, and manage customer preferences, enhancing engagement. By supporting omnichannel strategies, these tools guarantee a cohesive experience for your customers. Integrating with CRM systems allows for targeted messaging, eventually leading to improved customer loyalty and retention through consistent experiences. What Are the 7 Essentials to Excellent Customer Service? To provide excellent customer service, focus on seven fundamentals: active listening to understand needs, consistency across communication channels, and personalization that acknowledges customer history. Speed and efficiency are critical for timely responses, whereas empowering customers with self-service options boosts satisfaction. Furthermore, a knowledgeable team that can resolve issues quickly contributes greatly. Finally, gathering feedback helps improve services continuously, ensuring you meet evolving customer expectations effectively. Each element plays a significant role in achieving customer satisfaction. Conclusion In summary, effective customer support management relies on crucial tools that streamline operations and improve service delivery. By integrating help desk software, live chat tools, knowledge base software, CRM tools, and AI-powered solutions, you can create a more efficient support system. Each tool plays a key role in addressing customer needs, reducing response times, and nurturing positive relationships. When selecting the right tools, consider your specific requirements to guarantee they align with your organization’s goals and boost overall customer satisfaction. Image via Google Gemini This article, "5 Essential Tools for Customer Support Management" was first published on Small Business Trends View the full article

Google has released its Android Security Bulletin for March with patches for 129 vulnerabilities, one of which is a zero-day flaw in a Qualcomm display component that may be under "targeted, limited exploitation." The latest update also fixes 10 critical severity bugs across Android components. CVE-2026-0006 is a remote code execution vulnerability in the System component that attackers could exploit with no additional privileges or user interaction. CVE-2025-48631 is a denial-of-service flaw in System, while CVE-2026-0047 is an escalation of privilege vulnerability in Framework. There are seven critical escalation of privilege flaws being patched in Kernel components. Google is also addressing issues in Qualcomm, MediaTek, Arm, Misc OEM, Unisoc, and Imagination Technologies components, which may not affect all Android devices. One zero-day patchedThe zero-day patched with this security update is as an integer overflow or wraparound in a Qualcomm Graphics subcomponent that allows local attackers to trigger memory corruption. The vulnerability—labeled CVE-2026-21385—affects 235 Qualcomm chipsets. According to Qualcomm's own security advisory, the vulnerability was reported on Dec. 18, 2025 through the Google Android Security team, with customers notified on Feb. 2, 2026. Update your Android ASAPAndroid users should install the latest security patch as soon as it becomes available—you should get a notification prompting you to do so. Google pushes updates for its own Pixel devices and the core Android Open Source Project (AOSP) code, while other manufacturers release patches for their respective devices around the same time. If you have a Samsung, Motorola, or Nokia, for example, you may experience a slight delay. There are two patch levels labeled as 2026-03-01 and 2026-03-05, the latter of which fixes all issues included in the former. This month's patches apply to AOSP versions 14, 15, 16, and 16-qpr2. You can check for available updates via Settings > Security & privacy > System & updates > Security update. View the full article

Bitcoin and other cryptocurrencies have had a rough 2026 so far. BTC itself is currently down more than 18% year-to-date, and other major tokens have performed even worse, such as XRP, which has lost more than 23% of its value since the year began, and Ethereum, which has declined 30%. But today, it seems like their fortunes may be reversing. Bitcoin is currently up nearly 5%, and XRP and Ethereum are up over 2% and 3%, respectively. One of the contributing factors to this turnaround may be the comments made by President The President on his Truth Social network last night. Here’s what he said and what you need to know. What’s happened? Yesterday evening, The President took a break from focusing on Iran to briefly return to a subject closer to home: cryptocurrency legislation. In a post on Tuesday evening, The President railed against America’s big banks, alleging that they were trying to undermine the Genius Act, which passed into law last year, and warned that they should not try to hold the not-yet-passed Clairity Act hostage. Both acts are designed to bring regulatory certainty to the cryptocurrency market, which could boost investor confidence in the digital tokens as legitimate and relatively safe assets. The GENIUS Act legislated that stablecoin issuers had to hold $1 in assets for every stablecoin they issued; however, the act forbade stablecoin issuers from offering owners of stablecoins a yield on them—essentially interest on their stablecoin holdings. The Clairity Act, which has not yet been passed into law, will specify which regulator oversees the broader crypto industry and will determine whether the Commodity Futures Trading Commission (CFTC) or the Securities and Exchange Commission (SEC) will be the regulator. The CFTC is generally seen as the more crypto-friendly agency, which could greatly benefit those in the crypto industry. In addition, the Clairty Act will also legislate whether third parties can offer a yield to owners on their stablecoins. In other words, the Claiity Act may get around the Genius Act ban on issuer-offered stablecoin yields by allowing third parties, such as exchanges like Coinbase, to offer yields. And this possibility of a yield allowance has banks worried. Why are banks worried about stablecoin yields? In short, because a yield on stablecoins could be a direct threat to one of the big banks’ biggest income sources: your savings. Currently, when you plop your money into a traditional savings account, the bank holds only a small portion of it. They lend the rest out to businesses or individuals who pay them relatively high interest on the loans. But the banks don’t pass most of this interest on your loaned savings to you. While the bank may receive 5% to 7% interest payments on your loaned savings, they generally give you only about 0.5% to 2% in interest on your savings to you. The banks keep the rest of the profits. But if third-party exchanges can offer yields, or rewards, on a person’s stablecoin holdings—and those yields are significantly higher, say, in the 4-5% range, the banks worry that many individuals will pull their savings from the banks’ low-interest savings accounts and put them into stablecoin accounts. If this happens, banks lose your money to lend, and they also lose the interest profit from your loaned savings. It’s because of this that the banking industry is reportedly fighting aspects of the Clarity Act behind closed doors, and as CoinDesk notes, that is one of the reasons the act is currently being held up. What did The President say? In a post on Truth Social yesterday evening, The President attacked America’s banks, accusing them of undermining the Genius Act and his administration’s “powerful Crypto Agenda.” “Americans should earn more money on their money,” The President wrote. “The Banks are hitting record profits, and we are not going to allow them to undermine our powerful Crypto Agenda that will end up going to China, and other Countries if we don’t get The Clarity Act taken care of. “The Banks should not be trying to undercut The Genius Act, or hold The Clarity Act hostage,” the president continued. “They need to make a good deal with the Crypto Industry because that’s what’s in best interest of the American People. This Industry cannot be taken from the People of America when it is so close to becoming truly successful.” In the hours after The President’s post, major cryptocurrencies started to rise. Why is crypto rising today? The President’s posts have the power to move markets, and it seems that his rant against the banks—and in support of the crypto industry—last night is at least contributing to some of the rise we are seeing in crypto markets this morning. While the banks have a particular issue with the Clairty Act’s stablecoin yield ambitions, the act has many parts, and its passage should generally be a net positive for the broader crypto industry—whether that’s stablecoins or traditional cryptocurrencies like Bitcoin and XRP. The act may be seen as being more likely to pass the more The President keeps talking about it. As of the time of this writing, most major cryptocurrencies are seeing significant gains over the past 24 hours, including: Bitcoin: up 4.4% to $70,896 Ethereum: up 3.1% to $2,050 BNB: up 3.3% to $650 XRP: up 2.3% to $1.39 Of course, The President’s post is likely not the only factor behind crypto’s rise today. The digital tokens have taken a beating in recent weeks, so it’s possible that another contributing factor to their upward swing is investors “buying the dip.” That dip was exacerbated by asset selloffs primarily related to geopolitical uncertainties since the year began, including America’s attack on Venezuela, The President’s threat to take Greenland, and now, America’s conflict with Iran. In any case, crypto investors will be happy to see digital tokens trending upward this morning. Whether they stay up in the days and weeks ahead, on the other hand, is unknowable. View the full article