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US oil tankers sail towards Venezuela as risk of production ‘collapse’ looms
Country’s output could drop by a third in next month, threatening The President’s hopes of windfall for energy sectorView the full article
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Why culture is strategy
We’ve grown strangely comfortable separating things that were never meant to be separated: leadership from management, vision from execution, and perhaps most damaging, culture from strategy. Inside companies, this split shows up everywhere. A CEO announces a bold future about democratizing access or building a place where people take smart risks. Then culture gets handed to HR as if it belongs on a separate track, while the business strategy unfolds on its own timeline. The result is predictable. Employees are asked to navigate the distance between what leaders say and how the organization actually works. That distance is not neutral. It creates avoidable friction, the kind of drag that occurs when people try to act on values the organization has not built around. Built In’s 2024 Culture Report shows that 74% of employees feel demotivated in a poor cultural fit, and 61% would leave for a stronger cultural fit even without a major raise. The message is clear: Misalignment is expensive. NEEDED: CLARITY AND STRUCTURE But the deeper cost is structural. Avoidable friction emerges when leaders declare a value but never define it or embed it into the operating model. You say you value accountability, but there is no shared understanding of what it looks like. You say “family first,” but still expect employees to respond while out of office. You say being a good partner matters, but your incentives penalize anyone who extends the sales cycle to build trust. This is not about leaders being disingenuous. It is about the reality that business is messy, and unspoken values tend to override the ones printed in the handbook. When leaders are not honest about what truly matters, employees spend more energy decoding the hidden rules than doing the work they were hired to do. The fix is clarity, not charisma. The organizations gaining ground today are not the ones with inspirational posters or expansive value lists. They are the ones willing to make their values operational. That is why the B Corp movement has more than doubled since 2020, with 10,394 certified companies currently, across 103 countries. Leaders are discovering something simple and powerful: When culture is strategy, performance compounds. According to Deloitte’s 2025 Global Human Capital Trends, companies with positive cultures deliver 30% higher innovation and 40% better retention. Analysis from McKinsey has shown that companies with a healthy culture are three times more likely to outperform companies with unhealthy cultures. What these companies share is not moral perfection. It is precision. They name fewer values. They define them. They make them actionable. They hold themselves accountable in the same ways they expect from their teams. Because here is the truth most leaders overlook: Every organization already has a culture. The question is whether it reflects the strategy or contradicts it. CULTURE MUST BE VISIBLE If you want to reduce avoidable friction—and the burnout, confusion, and turnover that follow—culture cannot remain a sentiment in an employee handbook. It has to be visible in hiring criteria, promotion decisions, meeting norms, resource allocation, and the daily choices that signal what actually matters. This often feels intimidating, which is why culture gets handed to HR like an extracurricular. But culture is not extra work. Culture is the work. And you do not need more values to fix it. You need fewer values with deeper integrity. When your words match your systems, the organization exhales. People stop guessing. Teams regain momentum. Alignment is not just a leadership obligation. It is a relief. For leaders, for employees, and for the business. When culture becomes strategy, you no longer have to push the organization forward. You create the conditions, and the culture pulls the strategy with it. Natasha Nuytten is CEO of CLARA. View the full article
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Reform UK councils unveil plans for tax rises and service cuts
Party controls nine English councils and leads three minority administrations after last year’s local election winsView the full article
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5 ways to build global teams in 2026
If you were building global teams in 2025, you wouldn’t need me to tell you it was a crazy year. We experienced economic volatility and AI disruption. Plus, tightened borders caused companies to adjust and readjust their approaches. 2026 won’t be calmer. But the elements we need to master to stay competitive are now coming into focus: Navigating mobility disruption, creating unity across increasingly distributed workforces, and building the transparent, compliant infrastructure needed to employ people anywhere. 1. Rethink mobility strategies After a decade or so of relative calm, global mobility is now being disrupted from every angle. That’s because geopolitical instability, along with economic shifts and competing visa regimes are fundamentally changing how companies access and rely on talent. Governments are modernizing immigration with digital platforms like the European Travel Information and Authorisation System, yet the same environment is producing abrupt travel restrictions, emergency evacuations, and rising protectionism. The result is a system that is technically more advanced but practically more unpredictable. Sharp increases in visa costs in some major economies have pushed many companies to rethink their talent strategies. High fees and uncertainty are accelerating offshoring and nearshoring, especially for high-value work in AI, product development, and cybersecurity. Yet with many companies facing hiring freezes and restructuring, mobility in 2026 will need to be more selective and strategy-led, not volume-driven. To thrive in this new landscape, companies should build mobility capability in-house—owning compliance knowledge, digital tooling, and real-time monitoring—while deepening partnerships with specialist mobility consultants who can navigate complex jurisdictions. This kind of hybrid model will ensure companies are poised to rapidly respond to regulatory changes in an uncertain world. 2. Overcommunicate around AI workflows AI is already embedded in day-to-day work, but without clear communication, it can easily create more noise rather than value: generic content, duplicated effort, and confusion over what is trustworthy. Most teams are still bolting AI onto old workflows, instead of redesigning those workflows with AI in mind. Overcommunicating around AI workflows means making it clear how AI is used, why it’s used, and where humans fit in the loop. Teams should openly align on what should be automated, what should remain human-led, and how decisions are made and documented. The clearer the communication, the more consistently teams can use AI without compromising quality or accountability. For AI to support unity rather than undermine it, organizations should: Make it clear that AI is a tool for productivity, not as a quiet headcount reducer. Transparency builds trust and encourages adoption. Establish shared guidelines on when and how to use AI. Create internal spaces where people can share prompts, tools, and lessons. 3. Hire for soft skills Tethered to the emergence of AI is an increasing skills gap. Workers often feel confident that they are employable, while employers increasingly question whether available talent matches the demands of modern, tech-driven roles. Education systems still lean toward linear, narrow training, while careers are becoming more non-linear and cross-functional. In 2026, employers that struggle to find hard skills will need to hire for potential instead by focusing on soft skills like communication and problem solving. Also look for curiosity and comfort with ambiguity. The most resilient global teams will build around people who can move across domains, learn new tools quickly, and evolve with the business, instead of those optimized purely for today’s job description. 4. Understand transparency mandates Finding the right talent is one problem. Employing people compliantly and fairly across borders is another—especially with the new regulatory challenges 2026 is throwing our way. New pay transparency rules require employers to show not just what they pay, but how they arrived at those decisions. Early evidence from transparency laws in some regions suggests they can meaningfully narrow pay gaps when combined with structured reporting. The next wave, including EU-wide pay transparency requirements, will push employers to formalize compensation frameworks and maintain audit-ready data. Many organizations are underprepared. Only just over half of employers are putting money into improving wage transparency. Employees often feel in the dark about how pay works, and ad hoc transparency—such as publishing a few ranges—won’t fix that. In 2026, companies will need payroll and HR systems that can: Produce locally compliant payslips Classify roles consistently across borders Surface pay data by region, role, and gender Without this infrastructure, it becomes difficult to demonstrate that outcomes are structured, comparable, and non-discriminatory. 5. Build the infrastructure of global employment In 2026, global companies are expected to expand quickly, de-risk that expansion, and provide a consistent employee experience worldwide. Spreadsheets and fragmented vendors simply can’t keep up. The response is the rise of dedicated global employment infrastructure: employers of record, global payroll systems, and collaboration suites. Built correctly, the right stack: Keeps contracts, benefits, and payslips locally compliant Provides a single source of truth for workforce data Enables real-time visibility and control for leaders Reduces misclassification, tax, and security risks In a year of continuous change, this kind of infrastructure will prevent global expansion from becoming a tangle of entities, local providers, and hidden liabilities. PREPARE FOR 2026 Mobility disruption, distributed work, AI, skills gaps, and regulatory shifts are converging into a single test: Can your organization operate as a coherent global system? The teams that win in 2026 will: Treat mobility as a strategic lever Design AI-augmented workflows that enhance clarity and cohesion Hire for adaptability and potential, not just narrow experience Treat transparency as a business priority rather than an afterthought Build compliant employment infrastructure that can scale The world is not getting simpler. But with the right strategies in place, businesses can leap the hurdles and continue to unlock the benefits of global teams. Sagar Khatri is CEO of Multiplier. View the full article
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Affordability in the housing market improves to close 2025
Annual home-price appreciation ended last year at 0.7%, the smallest calendar-year increase since 2011, when prices dropped 2.9%, according to ICE. View the full article
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Anker's Newest Portable Power Station Is Over 50% Off Right Now
We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. While we’ve reviewed Anker’s Solix C800 and covered deals on the C1000—whose second-gen version even earned a Guinness World Record for being the fastest recharging portable power station in the 1,000Wh category—Anker has added another new and improved solar generator to its lineup. The brand’s newest portable power station, released in October 2025, is the Anker Solix C2000 Gen 2, and it’s currently 52% off on Amazon at $719.10 (originally $1,499). Anker Solix C2000 Gen 2 Portable Power Station $719.10 at Amazon $1,499.00 Save $779.90 Get Deal Get Deal $719.10 at Amazon $1,499.00 Save $779.90 The C2000 Gen 2 gives you up to 2,400W of rated power and up to 4,000W peak, paired with a 2,048-watt-hour battery, which can be expanded up to 4kWh. The LiFePO₄ battery chemistry provides a longer cycle life and improved thermal stability compared to cheaper lithium designs. This power station is known for being virtually silent and able to recharge extremely quickly using AC, solar (which requires a solar panel), or an alternator, charging up to 100% in just 58 minutes and 80% in 45 minutes. Despite weighing just 41.7 pounds (around 25% lighter than many competitors), it delivers impressive power. The power station can run a variety of household appliances and keep a dual-door fridge running for 32 hours (this increases to 64 hours with the optional BP2000 expansion battery). With just 9W of idle power consumption, it’s also one of the most efficient models on the market for long-term standby use. While these units don’t have the power or unlimited runtime of a traditional gas generator, at just over half off, the $719 price tag on the Anker Solix C2000 Gen 2 is a great value in the eco-friendly generator category, especially if your priority is a lightweight, quiet, and fast-charging solution and you don’t need it for whole-house backup. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $148.99 (List Price $179.00) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $329.00 (List Price $429.00) Amazon Fire TV Stick 4K Plus — (List Price $24.99 With Code "FTV4K25") Dell 15 DC15255 (AMD Ryzen 7 7730U, 1TB SSD, 16GB RAM) — $519.99 (List Price $688.99) Samsung Galaxy Tab A9+ 64GB Wi-Fi 11" Tablet (Silver) — $159.99 (List Price $219.99) Google Pixel 10 Pro 128GB Unlocked Phone (Obsidian) — $799.00 (List Price $999.00) Samsung Galaxy Watch 8 — $279.99 (List Price $349.99) Deals are selected by our commerce team View the full article
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Credit reporting prices draw more ire from FHFA's Pulte
A housing official renewed his call for credit bureaus to address lenders' concerns. Low pull-through magnifies a cost that's small relative to others. View the full article
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People are using Grok to create lewd images of women and young girls
Elon Musk took over X and folded in Grok, his sister company’s generative AI tool, with the aim of making his social media ecosystem a more permissive and “free speech maximalist” space. What he’s ended up with is the threat of multiple regulatory investigations after people began using Grok to create explicit images of women without their permission—and sometimes veering into images of underage children. The problem, which surfaced in the past week as people began weaponizing the image-generation abilities of Grok on innocuous posts by mostly female users of X, has raised the hackles of regulators across the world. Ofcom, the U.K.’s communications regulator, has made “urgent contact” with X over the images, while the European Union has called the ability to use Grok in such a way “appalling” and “disgusting.” In the three years since the release of ChatGPT, generative AI has faced numerous regulatory challenges, many of which are still being litigated, including alleged copyright infringement in the training of AI models. But the use of AI in such a harmful way to target women poses a major moral moment for the future of the technology. “This is not about nudity. It’s about power, and it’s about demeaning those women, and it’s about showing who’s in charge and getting pleasure or titillation out of the fact that they did not consent,” says Carolina Are, a U.K.-based researcher who has studied the harms of social media platforms, algorithms and AI to users, including women. For its part, X has said that “Anyone using or prompting Grok to make illegal content will suffer the same consequences as if they upload illegal content,” echoing the wording of its owner, Elon Musk, who posted the same thing on January 3. The fact that it’s at all possible to create such images suggests just how harmful it is to remove guardrails on generative AI to allow users to essentially do whatever they want. “This is yet another example of the wild disparities, inequalities, and double standards of the social media age, particularly during this period of time, but also of the impunity of the tech industry,” Are says. Precedented While the scale and power of AI-created images feels unprecedented, some experts disagree that theyrepresent the first real morality test for generative AI. “AI—I’m using it here for an umbrella term—has long been a tool of discrimination, misogyny, homophobia and transphobia, and direct harm, including encouraging people to end their lives, causing depression and body dysmorphia, and more,” says Ari Waldman, professor of law at the University of California, Irvine.“Creating deepfakes of women and girls is absolutely horrible, but it is not the first time AI has engaged in morally reprehensible conduct,” he adds. But the question of who bears legal responsibility for the production of these images is less clear than Musk’s pronouncements make it seem. Eric Goldman, a professor at Santa Clara University School of Law, points out that the recently enacted Take it Down Act — which requires platforms to have, in the coming months, measures to take down illegal or infringing content within 48 hours — added new criminal provisions against “intimate visual depictions,” a category that would include AI-generated images. But whether that would include bikini images of the type Grok is making by the load is uncertain. “This law has not yet been tested in court, but using Grok to create synthetic sexual content is the kind of thing the law was designed to discourage,” Goldman says. “Given that we don’t know if the Take It Down Act has already put in place the regulatory solution necessary to solve the problem at hand, it would be premature to make yet more laws.” Experts like Rebecca Tushnet, a First Amendment Scholar at Harvard Law School, say the necessary laws already exist. “The issue is enforcing them against the wrongdoers when the wrongdoers include the politically powerful or those contemptuous of the law,” she says. In recent years, many new anti-deepfake and explicit-image laws have been passed in the U.S., including a federal law to punish the distribution of sexually explicit digital forgeries, explains Mary Anne Franks, an intellectual property and technology expert at George Washington Law School. But the recent developments with Grok show the existing measures aren’t good enough, she says. “We need to start treating technology developers like we treat other makers of dangerous products: hold them liable for harms caused by their products that they could and should have prevented.” Ultimate responsibility This question of ultimate responsibility, then, remains unanswered. And it’s the question that Musk may be trying to head off by expressing his distaste for what his users are doing. “The tougher legal question is what, if any, liability Grok may have for facilitating the creation of intimate visual imagery,” explains Goldman, pointing to the ‘voluntary’ imposition of guardrails as part of firms’ trust and safety protocols. “It’s unclear under U.S. law if those guardrails reduce or eliminate any legal liability,” he says, adding that it’s “unclear if the model’s liability will increase if a model has obviously inadequate guardrails.” Waldman argues that lawmakers in Washington should pass a law that would hold companies legally responsible for designing and building AI tools capable of creating child pornography or pornographic deepfakes of women and girls. “Right now, the legal responsibility of tech companies is contested,” he adds. While the Federal Trade Commission has statutory authority to take action, he worries that it won’t. “The AI companies have aligned themselves with the president and the FTC doesn’t appear to be fulfilling its consumer protection mandate in any real sense.” View the full article
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The organization behind decades of public TV is dissolving—what comes next
Six decades after it was created by Congress, the nonprofit that brought America Mister Rogers’ Neighborhood and Sesame Street will shut down for good. The Corporation for Public Broadcasting announced this week that it would officially shut down, ushering in an uncertain new era for the future of public broadcasting. The organization historically administers funds for NPR, PBS, and more than 1,000 local TV and radio stations nationwide. The nonprofit entity was signed into law by the Public Broadcasting Act of 1967 to manage federal funds for educational TV and radio shows, but it fell victim to a defunding campaign initiated by the The President administration and approved by a Republican-led Congress. “For more than half a century, CPB existed to ensure that all Americans—regardless of geography, income, or background—had access to trusted news, educational programming, and local storytelling,” CPB president and CEO Patricia Harrison said in a press release. Harrison said that the CPB decided to dissolve the organization as its final act instead of keeping the nonprofit on life support, which could make it susceptible to “additional attacks.” The The President administration asked for the cuts to the public broadcasting organization, along with a sweeping pullback in foreign aid spending, earlier this year. Congress ultimately complied and, in July, voted to cut $1.1 billion in federal funds, with no Democrats voting in support. The public broadcasting fallout begins The The President administration’s decision to defund the country’s largest public broadcasting organization will likely echo for years to come, but we’re already starting to see some of its effects. In early December, a commission that oversees public educational TV in Arkansas voted to part ways with PBS, citing the shortfall of federal funds. That group framed the decision as a cost-saving measure, arguing that it relied on federal funding to pay annual dues of around $2.5 million to PBS in exchange for the broadcaster’s programming. The organization’s commissioners, who voted 6-2 in favor of parting with PBS, are appointed by the governor. The Arkansas PBS network, now rebranded as Arkansas TV, struck an optimistic tone in its announcement, pointing to a slate of new programming it plans to develop to replace PBS, including two shows for children, two food series, and two new history-focused shows. “Public television in Arkansas is not going away,” Arkansas TV executive director and CEO Carlton Wing said. In spite of the state’s upbeat tone around its new brand and bespoke programming, Arkansas residents broadly support PBS and will likely feel the absence of its long-running educational shows. More than 70% state residents said that PBS is an “excellent value” to their community in recent surveys. “The commission’s decision to drop PBS membership is a blow to Arkansans who will lose free, over-the-air access to quality PBS programming they know and love,” a PBS spokesperson told Fast Company. “It also goes against the will of Arkansas viewers.” Arkansas was the first state to sever its ties with PBS, but more could follow. Public TV and radio stations in rural parts of the country lack the donor base that their urban counterparts rely on and may be particularly vulnerable to new shortfalls in federal funding. Public support for public broadcasting The The President administration has made dismantling public broadcasting a priority in its first year, but that position looks out of step with most of the country. President The President has expressed his personal ire for public broadcasting, referring to PBS and NPR as “two horrible and completely biased platforms” and calling on Congress to defund what he characterized as a scam perpetrated by “the Radical Left.” Unlike the The President administration, most Americans approve of the public broadcaster, which has long been funded through the now-shuttered Corporation for Public Broadcasting. In the U.S., 58% of households with TV reported watching public programming through PBS in the course of a year. PBS consistently ranks as the most trusted source in America for news and public affairs, besting cable and broadcast networks, newspapers, and streaming services. In 1969, Fred Rogers, the creator and host of Mister Rogers’ Neighborhood, famously testified before Congress to defend the Corporation for Public Broadcasting, which was facing a major budget cut from the Nixon administration just after its creation. His testimony was initially met with a chilly reception, but within the span of six minutes, Rogers won over the senator questioning him. The Corporation for Public Broadcasting went on to secure its full $20 million in federal funding—a comeback story the nonprofit won’t be telling in 2026. “What has happened to public media is devastating,” said CPB board chair Ruby Calvert. “Yet, even in this moment, I am convinced that public media will survive, and that a new Congress will address public media’s role in our country because it is critical to our children’s education, our history, culture, and democracy to do so.” View the full article
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Morgan Stanley files for bitcoin, solana ETFs
Morgan Stanley is seeking regulatory approval to launch exchange-traded funds tied to the price of cryptocurrency tokens, according to filings with the U.S. Securities and Exchange Commission on Tuesday, the first such move by a big U.S. bank. The bank is looking to launch ETFs tied to the price of cryptocurrencies bitcoin and solana, according to the filings, aiming to deepen its presence in the cryptocurrency space. Regulatory clarity under U.S. President Donald The President has encouraged mainstream finance companies to embrace digital assets, which were once considered merely speculative instruments. In December, the Office of the Comptroller of the Currency also allowed banks to act as intermediaries on crypto transactions, narrowing the gap between the traditional sector and digital assets. Several investors prefer holding crypto via ETFs, which provide greater liquidity and security, and simplified regulatory compliance compared to managing the underlying asset directly. “It’s interesting to see Morgan Stanley move into a commoditized market, and I suspect that means they want to move clients that invest in bitcoin into their ETFs which could give them a fast start despite their late entrance,” said Bryan Armour, ETF analyst at Morningstar. “A bank entering the crypto ETF market adds legitimacy to it, and others could follow.” In the two years since the SEC approved the first U.S.-listed spot bitcoin ETF, a wide array of financial institutions—mostly asset managers—have stepped up to issue such funds. U.S. banks, which have mostly only acted as custodians of client investments, are looking to evolve from cautious facilitators to active advisers. In October, Morgan Stanley expanded access to crypto investments to include all clients and types of accounts, according to media reports. Bank of America followed suit, allowing its wealth advisers to recommend allocations to crypto in client portfolios from January, without any asset threshold. —Arasu Kannagi Basil and Ateev Bhandari, Reuters View the full article
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Top 5 Referral Marketing Software Solutions
In terms of boosting sales and broadening your customer base, referral marketing software can be a transformative factor. These platforms help you create and manage referral programs that encourage satisfied customers to recommend your business to others. With various options available, such as ReferralCandy and Viral Loops, each offers unique features customized to different business needs. Comprehending these tools can improve your marketing strategy, so let’s explore the top five solutions that could raise your referral efforts. Key Takeaways ReferralCandy: Ideal for e-commerce with automated tracking; starts at $47/month plus 3.5% commission on sales. Viral Loops: Offers a template-based approach with pricing from $35 to $399 and features real-time analytics. Referral Factory: Provides over 100 customizable templates and easy CRM integrations for effortless setup. Friendbuy: Caters to major brands with customizable programs and A/B testing; starting price is $249/month. SaaSquatch: Specializes in B2B SaaS referrals with tiered rewards and multiple reward types for effective marketing. Understanding the Power of Referral Software Grasping the strength of referral software is crucial for businesses aiming to improve customer retention and acquisition. B2B referral programs can greatly boost retention rates by up to 37%, making them a critical strategy for maintaining a loyal client base. Unlike traditional advertising, word-of-mouth recommendations generated through these programs are considered more trustworthy, often leading to increased customer acquisition. When satisfied customers refer others, they create a ripple effect that expands your client base, ultimately reducing overall acquisition costs. Furthermore, referral marketing typically operates on a performance-based model, ensuring that you only incur costs for successful referrals. This cost-effectiveness makes referral software an attractive option for businesses. In addition, implementing these programs cultivates improved social engagement, building a sense of community among customers and encouraging their active participation. The Contenders: Top 5 Referral Marketing Platforms Compared When evaluating referral marketing platforms, it’s essential to take into account the unique features and pricing structures of each contender. ReferralCandy is designed for e-commerce, offering automated tracking and customizable rewards starting at $47 per month, plus a 3.5% commission on referred sales. Viral Loops provides a template-based approach with pricing ranging from $35 to $399, featuring real-time analytics and integrations with Shopify and Mailchimp. Referral Factory stands out with over 100 customizable templates and easy CRM integrations, ideal for businesses seeking a plug-and-play solution. Friendbuy caters to major brands with customizable programs, including A/B testing, but its starting price of $249 may be steep for smaller companies. Finally, SaaSquatch specializes in managing b2b SaaS referral programs, emphasizing tiered rewards and multiple reward types, making it a strong option for subscription-based businesses. Each platform has its strengths, so choose one that aligns with your needs. Key Features of Referral Marketing Platforms Referral marketing platforms are essential tools for businesses looking to leverage word-of-mouth advertising effectively. These platforms typically offer extensive customization options, enabling you to tailor campaigns to your branding and audience preferences through customizable templates and drag-and-drop editors. Integration capabilities with popular e-commerce platforms like Shopify and WooCommerce, along with email providers such as Mailchimp, allow for seamless tracking of referrals and sales. Advanced tracking and analytics features provide valuable insights into your referral performance, helping you measure shares, clicks, and conversions. You can optimize your campaigns through A/B testing based on these metrics. Many referral marketing software solutions likewise include automated communication tools that engage both referrers and referred friends during the referral process, boosting participation rates. Moreover, fraud detection mechanisms are often in place to protect your marketing budget by ensuring the integrity of your referral program. Referral Marketing Pricing Comparison: What to Expect How should you navigate the pricing terrain of referral marketing platforms? You’ll find that these platforms typically use various pricing models, such as flat monthly fees, commission-based pricing on referred sales, or per-user pricing linked to active referrers. For instance, Viral Loops has plans ranging from $35 to $399 monthly, whereas ReferralCandy starts at $47 monthly plus a 3.5% commission on sales. If you’re considering enterprise-level solutions, like Affise, expect to pay between $500 to $1500 monthly because of their extensive features. Many platforms, including Invite Referrals and Referral Rock, offer 14-day free trials, which can be beneficial for evaluating their referral tracking systems before committing. Keep in mind that grasping the total cost of ownership is essential; it includes monthly fees, potential commissions, and any setup costs related to your referral program. Being informed helps you choose the right solution for your business needs. Best Practices for Successful Referral Programs Successful referral programs require thoughtful planning and execution to maximize their effectiveness. To improve participation in b2b referral marketing, offer clear incentives for both referrers and their referred friends, such as dual-sided rewards. This approach greatly boosts engagement. Furthermore, maintain strong communication with participants by providing regular updates and acknowledging their contributions. This practice builds trust and encourages continuous involvement in the program. Utilizing A/B testing helps optimize various campaign elements, including messaging and reward types, leading to improved conversion rates that align with customer preferences. Implementing robust tracking and analytics capabilities enables you to measure program effectiveness, identify top advocates, and refine strategies for ongoing optimization. Finally, choose a user-friendly platform that integrates seamlessly with existing systems, like e-commerce and CRM tools. This integration streamlines operations and improves the referral experience for all parties involved, ensuring a successful referral program. Frequently Asked Questions How Do I Choose the Right Referral Software for My Business? To choose the right referral software for your business, start by identifying your specific needs and goals. Consider factors like ease of use, integration capabilities with existing systems, and pricing structures. Evaluate customer support options and read user reviews to gauge reliability. Look for features such as tracking referrals, customizable rewards, and analytics. Finally, request demos or free trials to test functionality before committing to a solution that aligns with your growth strategy. Can Referral Marketing Work for B2B Companies? Yes, referral marketing can work effectively for B2B companies. https://www.youtube.com/watch?v=wqMtnX5Zq04 By leveraging existing client relationships, you can encourage satisfied customers to refer your services to their network. This method relies on trust, which is essential in B2B transactions. Implementing a structured referral program can incentivize clients with rewards or discounts, increasing your chances of receiving quality leads. In the end, referrals can improve your business’s credibility and expand your client base considerably. What Are Common Mistakes to Avoid in Referral Programs? When setting up a referral program, avoid common mistakes like unclear guidelines and lacking incentives. Guarantee your criteria for referrals are straightforward; otherwise, participants might feel confused. Don’t neglect to promote the program effectively; visibility’s key to engagement. Furthermore, be cautious about overcomplicating the reward system; simpler rewards tend to attract more participants. Finally, failing to track results can hinder growth; consistently analyze performance to make necessary adjustments for improvement. How Do I Promote My Referral Program Effectively? To promote your referral program effectively, start by clearly communicating the benefits to your audience. Use multiple channels like social media, email, and your website to reach potential referrers. Create enticing incentives that motivate participation, ensuring they’re easy to understand. Regularly remind customers about the program through engaging content. Furthermore, share success stories from previous participants to build trust and credibility. Finally, track and analyze performance to refine your strategies continuously. Is Technical Support Included With Referral Marketing Software? Yes, most referral marketing software includes technical support, but the level of support can vary by provider. Typically, you’ll find support through various channels like email, chat, or phone. Some platforms offer 24/7 assistance, whereas others limit hours. It’s essential to check the specifics of each software solution, as some might’ve additional costs for premium support services. Comprehending these options guarantees you’re prepared to address any technical issues that may arise. Conclusion In conclusion, selecting the right referral marketing software can greatly impact your business’s growth and customer engagement. By comprehending the unique features and pricing structures of the top platforms, you can make an informed decision that aligns with your specific needs. Implementing best practices will further improve the effectiveness of your referral programs. In the end, leveraging these tools effectively can lead to increased referrals, customer loyalty, and a stronger market presence for your brand. Image via Google Gemini This article, "Top 5 Referral Marketing Software Solutions" was first published on Small Business Trends View the full article
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Top 5 Referral Marketing Software Solutions
In terms of boosting sales and broadening your customer base, referral marketing software can be a transformative factor. These platforms help you create and manage referral programs that encourage satisfied customers to recommend your business to others. With various options available, such as ReferralCandy and Viral Loops, each offers unique features customized to different business needs. Comprehending these tools can improve your marketing strategy, so let’s explore the top five solutions that could raise your referral efforts. Key Takeaways ReferralCandy: Ideal for e-commerce with automated tracking; starts at $47/month plus 3.5% commission on sales. Viral Loops: Offers a template-based approach with pricing from $35 to $399 and features real-time analytics. Referral Factory: Provides over 100 customizable templates and easy CRM integrations for effortless setup. Friendbuy: Caters to major brands with customizable programs and A/B testing; starting price is $249/month. SaaSquatch: Specializes in B2B SaaS referrals with tiered rewards and multiple reward types for effective marketing. Understanding the Power of Referral Software Grasping the strength of referral software is crucial for businesses aiming to improve customer retention and acquisition. B2B referral programs can greatly boost retention rates by up to 37%, making them a critical strategy for maintaining a loyal client base. Unlike traditional advertising, word-of-mouth recommendations generated through these programs are considered more trustworthy, often leading to increased customer acquisition. When satisfied customers refer others, they create a ripple effect that expands your client base, ultimately reducing overall acquisition costs. Furthermore, referral marketing typically operates on a performance-based model, ensuring that you only incur costs for successful referrals. This cost-effectiveness makes referral software an attractive option for businesses. In addition, implementing these programs cultivates improved social engagement, building a sense of community among customers and encouraging their active participation. The Contenders: Top 5 Referral Marketing Platforms Compared When evaluating referral marketing platforms, it’s essential to take into account the unique features and pricing structures of each contender. ReferralCandy is designed for e-commerce, offering automated tracking and customizable rewards starting at $47 per month, plus a 3.5% commission on referred sales. Viral Loops provides a template-based approach with pricing ranging from $35 to $399, featuring real-time analytics and integrations with Shopify and Mailchimp. Referral Factory stands out with over 100 customizable templates and easy CRM integrations, ideal for businesses seeking a plug-and-play solution. Friendbuy caters to major brands with customizable programs, including A/B testing, but its starting price of $249 may be steep for smaller companies. Finally, SaaSquatch specializes in managing b2b SaaS referral programs, emphasizing tiered rewards and multiple reward types, making it a strong option for subscription-based businesses. Each platform has its strengths, so choose one that aligns with your needs. Key Features of Referral Marketing Platforms Referral marketing platforms are essential tools for businesses looking to leverage word-of-mouth advertising effectively. These platforms typically offer extensive customization options, enabling you to tailor campaigns to your branding and audience preferences through customizable templates and drag-and-drop editors. Integration capabilities with popular e-commerce platforms like Shopify and WooCommerce, along with email providers such as Mailchimp, allow for seamless tracking of referrals and sales. Advanced tracking and analytics features provide valuable insights into your referral performance, helping you measure shares, clicks, and conversions. You can optimize your campaigns through A/B testing based on these metrics. Many referral marketing software solutions likewise include automated communication tools that engage both referrers and referred friends during the referral process, boosting participation rates. Moreover, fraud detection mechanisms are often in place to protect your marketing budget by ensuring the integrity of your referral program. Referral Marketing Pricing Comparison: What to Expect How should you navigate the pricing terrain of referral marketing platforms? You’ll find that these platforms typically use various pricing models, such as flat monthly fees, commission-based pricing on referred sales, or per-user pricing linked to active referrers. For instance, Viral Loops has plans ranging from $35 to $399 monthly, whereas ReferralCandy starts at $47 monthly plus a 3.5% commission on sales. If you’re considering enterprise-level solutions, like Affise, expect to pay between $500 to $1500 monthly because of their extensive features. Many platforms, including Invite Referrals and Referral Rock, offer 14-day free trials, which can be beneficial for evaluating their referral tracking systems before committing. Keep in mind that grasping the total cost of ownership is essential; it includes monthly fees, potential commissions, and any setup costs related to your referral program. Being informed helps you choose the right solution for your business needs. Best Practices for Successful Referral Programs Successful referral programs require thoughtful planning and execution to maximize their effectiveness. To improve participation in b2b referral marketing, offer clear incentives for both referrers and their referred friends, such as dual-sided rewards. This approach greatly boosts engagement. Furthermore, maintain strong communication with participants by providing regular updates and acknowledging their contributions. This practice builds trust and encourages continuous involvement in the program. Utilizing A/B testing helps optimize various campaign elements, including messaging and reward types, leading to improved conversion rates that align with customer preferences. Implementing robust tracking and analytics capabilities enables you to measure program effectiveness, identify top advocates, and refine strategies for ongoing optimization. Finally, choose a user-friendly platform that integrates seamlessly with existing systems, like e-commerce and CRM tools. This integration streamlines operations and improves the referral experience for all parties involved, ensuring a successful referral program. Frequently Asked Questions How Do I Choose the Right Referral Software for My Business? To choose the right referral software for your business, start by identifying your specific needs and goals. Consider factors like ease of use, integration capabilities with existing systems, and pricing structures. Evaluate customer support options and read user reviews to gauge reliability. Look for features such as tracking referrals, customizable rewards, and analytics. Finally, request demos or free trials to test functionality before committing to a solution that aligns with your growth strategy. Can Referral Marketing Work for B2B Companies? Yes, referral marketing can work effectively for B2B companies. https://www.youtube.com/watch?v=wqMtnX5Zq04 By leveraging existing client relationships, you can encourage satisfied customers to refer your services to their network. This method relies on trust, which is essential in B2B transactions. Implementing a structured referral program can incentivize clients with rewards or discounts, increasing your chances of receiving quality leads. In the end, referrals can improve your business’s credibility and expand your client base considerably. What Are Common Mistakes to Avoid in Referral Programs? When setting up a referral program, avoid common mistakes like unclear guidelines and lacking incentives. Guarantee your criteria for referrals are straightforward; otherwise, participants might feel confused. Don’t neglect to promote the program effectively; visibility’s key to engagement. Furthermore, be cautious about overcomplicating the reward system; simpler rewards tend to attract more participants. Finally, failing to track results can hinder growth; consistently analyze performance to make necessary adjustments for improvement. How Do I Promote My Referral Program Effectively? To promote your referral program effectively, start by clearly communicating the benefits to your audience. Use multiple channels like social media, email, and your website to reach potential referrers. Create enticing incentives that motivate participation, ensuring they’re easy to understand. Regularly remind customers about the program through engaging content. Furthermore, share success stories from previous participants to build trust and credibility. Finally, track and analyze performance to refine your strategies continuously. Is Technical Support Included With Referral Marketing Software? Yes, most referral marketing software includes technical support, but the level of support can vary by provider. Typically, you’ll find support through various channels like email, chat, or phone. Some platforms offer 24/7 assistance, whereas others limit hours. It’s essential to check the specifics of each software solution, as some might’ve additional costs for premium support services. Comprehending these options guarantees you’re prepared to address any technical issues that may arise. Conclusion In conclusion, selecting the right referral marketing software can greatly impact your business’s growth and customer engagement. By comprehending the unique features and pricing structures of the top platforms, you can make an informed decision that aligns with your specific needs. Implementing best practices will further improve the effectiveness of your referral programs. In the end, leveraging these tools effectively can lead to increased referrals, customer loyalty, and a stronger market presence for your brand. Image via Google Gemini This article, "Top 5 Referral Marketing Software Solutions" was first published on Small Business Trends View the full article
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The New LTE Google Pixel Watch 4 Is $100 Off Right Now
We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The new Google Pixel Watch 4 came out in the late summer of 2025, and it's already heavily discounted. You can now get the 41mm LTE Google Pixel Watch 4 in all three colors for $349.99 (originally $449.99), the lowest price it has ever been, according to price tracking tools. It now comes with a much faster charging time, satellite SOS, dual-band GPS, and a new circular display design. Google Pixel Watch 4 (41mm, LTE, Matte Black) $349.99 at Amazon $449.99 Save $100.00 Get Deal Get Deal $349.99 at Amazon $449.99 Save $100.00 Senior Health Editor Beth Skwarecki got her hands on a Google Pixel Watch 4 to review and loved it. The new charging dock sits flat on a surface, and you pop the watch on it sideways, almost like a MagSafe charger. Speaking of charging, it only takes a little over 30 minutes to fully charge; a 15-minute charge takes it from 0% to 50%. It's one of the fastest charge times I've ever seen on any device. The new design has a bigger, expanded circular display running 320 pixels per inch. It also gets brighter with up to 3,000 nits of brightness. If you get this LTE version, you'll have some nice features that the wifi version doesn't. You can send satellite SOS messages to emergency services and your emergency contacts, even if you don't have cellular service. As long as you have a clear view of the sky, you should have satellite communication. This satellite SOS feature lets you alert 911 and receive emergency services. Most of the other features are pretty similar to the Pixel Watch 3. You get built-in Gemini for voice control, accurate sleep tracking and exercise data with Accelerometer, Heart Rate Monitor, GPS, Blood Oxygen Monitor, Temperature Sensor, Pedometer, Gyroscope, Barometer, ECG, and Light Sensor. The Pixel Watch 4 is one of the best-looking and longest-lasting Android smartwatches in the market right now, and at its lowest price, it's a worthwhile deal. Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $148.99 (List Price $179.00) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $329.00 (List Price $429.00) Amazon Fire TV Stick 4K Plus — (List Price $24.99 With Code "FTV4K25") Dell 15 DC15255 (AMD Ryzen 7 7730U, 1TB SSD, 16GB RAM) — $519.99 (List Price $688.99) Samsung Galaxy Tab A9+ 64GB Wi-Fi 11" Tablet (Silver) — $159.99 (List Price $219.99) Google Pixel 10 Pro 128GB Unlocked Phone (Obsidian) — $799.00 (List Price $999.00) Samsung Galaxy Watch 8 — $279.99 (List Price $349.99) Deals are selected by our commerce team View the full article
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PPP Fraudster Sentenced to 10 Years for Stealing $65 Million in Relief Funds
Nathan Reis, co-founder of a lender service provider, recently received a ten-year prison sentence for orchestrating a scheme that fraudulently acquired over $65 million in Paycheck Protection Program (PPP) loans, a key relief measure under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This case serves as a striking reminder of the potential pitfalls in pursuing federal funding and the repercussions of misusing taxpayer dollars. The sentence was delivered by U.S. District Judge Barbara M.G. Lynn, aimed squarely at reinforcing accountability in the wake of extensive fraud during a national crisis. Reis was also ordered to pay over $66 million in restitution, reaffirming serious consequences for exploiting governmental aid intended for struggling businesses. “Stealing money from federal relief programs is stealing money contributed by taxpayers to help individuals and small businesses survive economic hardship,” said Acting Assistant Attorney General Matthew R. Galeotti. His statement emphasizes that dishonest actions, especially during crises, will be met with unwavering scrutiny and legal repercussions. Reis co-founded Blueacorn to ostensibly assist small businesses in securing PPP loans but instead engaged in a large-scale fraud operation. The scheme involved submitting fabricated documents—like tax forms and bank statements—to secure loans for which applicants were ineligible. Notably, Reis and his accomplices charged borrowers fees based on the loan amounts, creating a profit motive that compounded the fraud. In total, they processed over 530 fraudulent loans, resulting in staggering losses. This case’s implications are profound for small business owners. Although the majority of PPP beneficiaries utilized these funds for their intended purposes, the high-profile nature of such fraud cases raises critical questions about due diligence and risk management when seeking financial assistance. The commitment of authorities to prosecute fraud in pandemic-related programs is now clearer than ever. The Fraud Section of the Justice Department has taken action against over 200 defendants in more than 130 criminal cases since the CARES Act was enacted, seizing more than $78 million in cash and assets tied to fraudulent activities. For small business owners, this case underscores the importance of transparency and adherence to the program’s requirements. The government has established guidelines to ensure that funding reaches those truly in need, and violating these rules can culminate in severe penalties, including criminal prosecution. While accessing financial assistance through aid programs can be invaluable, it is crucial for business owners to remain vigilant about the legitimacy of their applications. Engaging in fraudulent practices not only risks financial ruin but also tarnishes the integrity of individuals and institutions that genuinely require support during challenging times. U.S. Attorney Ryan Raybould noted, “He and others who criminally exploit federal funding will be prosecuted to the fullest extent in our district.” This serves as a warning that federal authorities are actively monitoring applications and are prepared to take action against those who exploit economic recovery funds. Furthermore, the societal impact is worth considering. Fraud of this magnitude undermines public trust and diverts essential resources from legitimate businesses struggling to stay afloat during periods of economic downturn. Rebecca Day, Acting Assistant Director of the FBI’s Criminal Investigative Division, stressed the commitment of law enforcement to prosecute those who exploit emergency programs. “Abusing government programs and exploiting a national emergency will never be tolerated,” said Day, further emphasizing the collaborative effort across federal agencies to combat fraud. As small business owners navigate recovering from recent challenges, diligence is vital. Understanding the specifications of any funding program, maintaining accurate records, and ensuring compliance with all guidelines are essential steps to safeguarding against potential pitfalls. For further information on the case and updates related to fraud investigations, individuals can refer to the original post at SBA’s website: SBA Press Release. Image via Google Gemini This article, "PPP Fraudster Sentenced to 10 Years for Stealing $65 Million in Relief Funds" was first published on Small Business Trends View the full article
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PPP Fraudster Sentenced to 10 Years for Stealing $65 Million in Relief Funds
Nathan Reis, co-founder of a lender service provider, recently received a ten-year prison sentence for orchestrating a scheme that fraudulently acquired over $65 million in Paycheck Protection Program (PPP) loans, a key relief measure under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This case serves as a striking reminder of the potential pitfalls in pursuing federal funding and the repercussions of misusing taxpayer dollars. The sentence was delivered by U.S. District Judge Barbara M.G. Lynn, aimed squarely at reinforcing accountability in the wake of extensive fraud during a national crisis. Reis was also ordered to pay over $66 million in restitution, reaffirming serious consequences for exploiting governmental aid intended for struggling businesses. “Stealing money from federal relief programs is stealing money contributed by taxpayers to help individuals and small businesses survive economic hardship,” said Acting Assistant Attorney General Matthew R. Galeotti. His statement emphasizes that dishonest actions, especially during crises, will be met with unwavering scrutiny and legal repercussions. Reis co-founded Blueacorn to ostensibly assist small businesses in securing PPP loans but instead engaged in a large-scale fraud operation. The scheme involved submitting fabricated documents—like tax forms and bank statements—to secure loans for which applicants were ineligible. Notably, Reis and his accomplices charged borrowers fees based on the loan amounts, creating a profit motive that compounded the fraud. In total, they processed over 530 fraudulent loans, resulting in staggering losses. This case’s implications are profound for small business owners. Although the majority of PPP beneficiaries utilized these funds for their intended purposes, the high-profile nature of such fraud cases raises critical questions about due diligence and risk management when seeking financial assistance. The commitment of authorities to prosecute fraud in pandemic-related programs is now clearer than ever. The Fraud Section of the Justice Department has taken action against over 200 defendants in more than 130 criminal cases since the CARES Act was enacted, seizing more than $78 million in cash and assets tied to fraudulent activities. For small business owners, this case underscores the importance of transparency and adherence to the program’s requirements. The government has established guidelines to ensure that funding reaches those truly in need, and violating these rules can culminate in severe penalties, including criminal prosecution. While accessing financial assistance through aid programs can be invaluable, it is crucial for business owners to remain vigilant about the legitimacy of their applications. Engaging in fraudulent practices not only risks financial ruin but also tarnishes the integrity of individuals and institutions that genuinely require support during challenging times. U.S. Attorney Ryan Raybould noted, “He and others who criminally exploit federal funding will be prosecuted to the fullest extent in our district.” This serves as a warning that federal authorities are actively monitoring applications and are prepared to take action against those who exploit economic recovery funds. Furthermore, the societal impact is worth considering. Fraud of this magnitude undermines public trust and diverts essential resources from legitimate businesses struggling to stay afloat during periods of economic downturn. Rebecca Day, Acting Assistant Director of the FBI’s Criminal Investigative Division, stressed the commitment of law enforcement to prosecute those who exploit emergency programs. “Abusing government programs and exploiting a national emergency will never be tolerated,” said Day, further emphasizing the collaborative effort across federal agencies to combat fraud. As small business owners navigate recovering from recent challenges, diligence is vital. Understanding the specifications of any funding program, maintaining accurate records, and ensuring compliance with all guidelines are essential steps to safeguarding against potential pitfalls. For further information on the case and updates related to fraud investigations, individuals can refer to the original post at SBA’s website: SBA Press Release. Image via Google Gemini This article, "PPP Fraudster Sentenced to 10 Years for Stealing $65 Million in Relief Funds" was first published on Small Business Trends View the full article
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The Space-Saving Tools and Tricks That Made My Tiny Kitchen Usable
We may earn a commission from links on this page. Last year, one of my New Year's resolutions was to overhaul my apartment and turn it into a cleaner, more comfortable, more organized, and more efficient space. Knowing that a messy space can negatively impact your productivity and overall mental health, I reasoned that this would actually serve the purpose of making me a more efficient, peaceful person, so I took it seriously. One major issue was quickly apparent: My kitchen is tiny, which meant it was disorganized and more or less useless when it came to its primary function, which is to facilitate my cooking. It took some creativity (and money), but I figured out what to do—and now I'm learning to cook and bake better for one of this year's resolutions. The improvements I made to the kitchenMy kitchen is a little over three feet wide and five feet long. (I live in NYC, where this is the norm.) There is no counter space; all there is along one side is a sink and an oven. The first thing I had to do was manufacture counter space, which I did by adding cubed storage shelving. (I did this years ago, but only truly organized the cubes last year. We're getting to that.) It looks like this: Credit: Lindsey Ellefson The main things I thought of, besides organizing the cubed storage, were how I could better utilize what space I did have, which is why anything and everything possible is now hanging vertically on under-cabinet wine glass racks, utensil holders, or a towel rack, plus hooks all over. What I'm most excited for is the impending delivery of this big peg board, which is going to allow me to hang more utensils and cookware on the wall. VUSIGN Pegboard Combination Wall Organizer Kit $44.99 at Amazon Shop Now Shop Now $44.99 at Amazon Other, smaller improvements became more obvious to me as I worked through organizing the big stuff. Once I cleared out and designated a suitable spot for my Nespresso, I figured out I needed a vertical, adhesive-backed holder for the pods, since there wasn't enough room in the cubes to hold them in their retail boxes. I finally bought a big ladder so I could actually use my cupboards. I then set about organizing the cupboards with acrylic risers, the same way I organized my perfume and makeup. For the area under the sink, I bought a pull-out shelf to give me easy access to cleaning materials. The boxes containing my various grains and oats were too unwieldy to keep in my cupboards, which led me to a rotating rice dispenser. It went on that way for a while, with me paying tribute to the Amazon gods every few days, but it was all because I had a bigger plan. The organizing rules that guided me (and can help you, too)You may not want a giant peg board or need to hang all your spatulas upside-down. Maybe you have lots of drawers. That's cool. You still need a plan for organizing whatever you've got and a plan for figuring out what you, specifically, need. Throughout the organizing process, I kept a key principle in mind. It's called the Organizational Triangle and it's a set of three rules: Everything needs a place, similar items must be stored together, and for every new thing that comes in, one should go out. I ignored the last rule, for the most part, because what I was bringing in was meant to store what was already there better, but those first two were crucial. Prior to using the OT, not everything had a place. Some bowls and mugs lived in the sink. Not everything was stored together, either, which made it a pain to attempt to cook. By grouping similar items and designating each of them a spot, I could assess the volume of each category, get rid of what I didn't need, and better organize everything. By organizing smaller batches of things that would fit into one cube or on one hanging rack, I ended up organizing the whole thing, big-picture-style. Other cleaning and organizing techniques, like SIMPLE and Core 4, were also instrumental. Both of these advise that you need containers for your things. Again, this helps you assess actual volume and make sharper decluttering choices, but it also keeps everything neat. I got a little abstract in my interpretation, considering my hanging organizers "containers," but also used boxes and the aforementioned grain dispenser to meet those requirements. By following strict, pre-identified cleaning and organizing rules, I was able to more effectively turn the space into something usable. The guidelines helped me make a plan, even if I was redoing and correcting it as I went along, so I wasn't just hanging myself out to dry. Now, when I need a spatula or whatever you call that special tool that breaks up ground beef, I know where they are, they're easy to reach, and I feel good about how everything looks before, during, and after a cook session. View the full article
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Fifth Third-Comerica deal easily wins shareholder approval
The deal still faces a lawsuit from activist investor HoldCo Asset Management, which contends that Comerica didn't properly shop itself before agreeing to sell to Fifth Third. View the full article
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Chris Marshall adds CEO title to chairman role at Sagent
Marshall is tasked with bringing Sagent's Dara servicing platform implementation up to scale, replacing Geno Paluso, who is vice chairman during the transition. View the full article
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Top 5 Slideshow Video Creators for Stunning Visuals
When you’re looking to create stunning visual slideshows, choosing the right video creator can make a significant difference. Several options stand out for their unique features and user-friendly interfaces. Animoto offers customizable templates and a vast music library, whereas Movavi simplifies the process with its three-step approach. Adobe Express combines professional design with AI tools, and Icecream App caters well to beginners. Clipchamp, in contrast, provides flexible editing options for various skill levels. What sets these platforms apart? Key Takeaways Animoto offers customizable templates and an extensive music library, enabling users to create professional-quality slideshows effortlessly. Movavi allows for quick slideshow creation in three steps, with support for high-resolution outputs and a rich library of creative effects. Adobe Express provides polished templates and AI assistance, making it easy to design visually appealing photo slideshows on both web and mobile platforms. Icecream App is a lightweight and user-friendly tool, ideal for beginners seeking simple slideshow creation with AI support for various file formats. Clipchamp features flexible timeline editing and a variety of templates, making it suitable for both novices and professionals, although performance may vary on lower-end devices. Animoto Animoto is a strong cloud-based video creation tool designed to help you produce professional-quality slideshows with ease. As an ai slideshow maker, it stands out as one of the best slideshow makers available. You can use this photo slideshow software to learn how to create a slideshow for Instagram or how to make a slideshow with music effortlessly. The user-friendly drag-and-drop interface simplifies the process, allowing you to choose from customizable templates customized for various themes. Plus, Animoto features an extensive library of licensed music, which improves your storytelling. Once you’ve created your slideshow, you can easily publish and share it across multiple social media platforms, making it a versatile slideshow video creator for all your needs. Movavi If you’re looking for another robust option for creating slideshows, Movavi Slideshow Maker is worth considering. This software makes it easy to create a picture slideshow with music in just three simple steps: import your photos, add music and transitions, and export your final product. Movavi supports various media formats and offers high-quality output resolutions up to 4K, making it one of the best slideshow maker software available. You can access a rich library of filters, effects, and templates to improve your creativity. Moreover, the built-in music library provides royalty-free tracks, ensuring your slideshows are engaging. Whether you’re on Windows or Mac, you’ll find this photo slideshow software free download full version meets your needs and simplifies how to make a slideshow with pics and music. Adobe Express Adobe Express serves as a user-friendly web-based design tool that simplifies the process of creating photo slideshows with integrated music and alterations. You can easily make a slideshow with images using AI, ensuring a visually appealing result. To learn how to create a picture slideshow with music, explore the polished templates and design assets offered by Adobe Express. This free slideshow maker is compatible with both web and mobile devices, allowing you to edit on-the-go. You can customize slide timing and transitions, giving you control over your slideshow presentations. With its integration into Adobe Creative Cloud, Adobe Express stands out among the best photo slideshow software and top slideshow programs available today. Icecream App Icecream App is a lightweight desktop application that simplifies the process of creating straightforward slideshows, making it an excellent choice for beginners. This software allows you to make a slideshow with images using AI, which is one of the easiest ways to make a photo slideshow. You can easily learn how to create a video slideshow and how to make a photo slideshow with music. Icecream App supports various file formats and offers quick export options for hassle-free use. Although it may not have advanced editing features, it shines as one of the best photo slideshow maker software available. If you’re wondering how do you create a slideshow with music, this app is among the top slideshow software options for you. Clipchamp Clipchamp stands out as a user-friendly, browser-based video editor that caters to both novices and professionals looking to create impressive slideshows. With its flexible timeline editing, you can easily arrange photos and videos to achieve the perfect visual flow. Whether you want to make a slideshow with images using AI or learn how to make a slideshow video, Clipchamp provides excellent resources. It ranks among the best slideshow software, featuring a variety of templates and stock assets to improve your projects. If you’re wondering how to create a picture slideshow with music for free, this platform has built-in options for that too. Nonetheless, be mindful that performance may lag on lower-end devices, impacting larger projects. Frequently Asked Questions What Is the Best Video Slideshow Maker? When choosing the best video slideshow maker, consider your needs and preferences. Animoto’s user-friendly interface is great for quick projects, whereas PowerDirector offers extensive effects and changes. Movavi Slideshow Maker simplifies the process with its three-step method, and Icecream Slideshow Maker supports high-resolution outputs. For social media content, Adobe Express provides polished templates. Each option has unique features, so evaluate them based on your specific requirements and desired outcomes to find the right fit. How to Make a Stunning Slideshow? To create a stunning slideshow, start by selecting a user-friendly slideshow maker with customizable templates. Import high-quality photos and videos from your device or cloud. Add text captions for context and choose license-free music to set the mood. Experiment with various shifts and animations to keep your audience engaged. Finally, export your slideshow in high resolution, such as 4K, to guarantee clarity across different platforms and devices for the best viewing experience. What’s the Best App to Use for a Slideshow? To find the best app for creating a slideshow, consider your specific needs. Animoto offers a straightforward drag-and-drop interface, whereas Wondershare Filmora provides robust editing tools. If you prefer simplicity, Movavi Slideshow Maker is efficient with its three-step process. Freemake Video Converter allows for easy uploads to YouTube. Evaluate these options based on features, ease of use, and desired output quality to choose the right one for you. What Is the Best Free AI Photo Slideshow Maker? The best free AI photo slideshow maker is InVideo AI. It lets you create slideshows using personal media, stock images, or text prompts. Its user-friendly interface works seamlessly on Chrome and Edge browsers, so you won’t need to download any software. During the free version has limitations like watermarks and restrictions on the number of slideshows, the AI features simplify the process, allowing you to generate visually appealing slideshows quickly and efficiently. Conclusion To conclude, choosing the right slideshow video creator can improve your visual storytelling. Animoto’s templates and music library cater to diverse needs, whereas Movavi’s straightforward process simplifies creation. Adobe Express offers professional-quality design through AI tools, and Icecream App is user-friendly for beginners. Finally, Clipchamp’s flexible editing options accommodate all skill levels. By comprehending the unique strengths of each platform, you can select the one that best fits your project requirements and creative vision. Image via Google Gemini This article, "Top 5 Slideshow Video Creators for Stunning Visuals" was first published on Small Business Trends View the full article
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Top 5 Slideshow Video Creators for Stunning Visuals
When you’re looking to create stunning visual slideshows, choosing the right video creator can make a significant difference. Several options stand out for their unique features and user-friendly interfaces. Animoto offers customizable templates and a vast music library, whereas Movavi simplifies the process with its three-step approach. Adobe Express combines professional design with AI tools, and Icecream App caters well to beginners. Clipchamp, in contrast, provides flexible editing options for various skill levels. What sets these platforms apart? Key Takeaways Animoto offers customizable templates and an extensive music library, enabling users to create professional-quality slideshows effortlessly. Movavi allows for quick slideshow creation in three steps, with support for high-resolution outputs and a rich library of creative effects. Adobe Express provides polished templates and AI assistance, making it easy to design visually appealing photo slideshows on both web and mobile platforms. Icecream App is a lightweight and user-friendly tool, ideal for beginners seeking simple slideshow creation with AI support for various file formats. Clipchamp features flexible timeline editing and a variety of templates, making it suitable for both novices and professionals, although performance may vary on lower-end devices. Animoto Animoto is a strong cloud-based video creation tool designed to help you produce professional-quality slideshows with ease. As an ai slideshow maker, it stands out as one of the best slideshow makers available. You can use this photo slideshow software to learn how to create a slideshow for Instagram or how to make a slideshow with music effortlessly. The user-friendly drag-and-drop interface simplifies the process, allowing you to choose from customizable templates customized for various themes. Plus, Animoto features an extensive library of licensed music, which improves your storytelling. Once you’ve created your slideshow, you can easily publish and share it across multiple social media platforms, making it a versatile slideshow video creator for all your needs. Movavi If you’re looking for another robust option for creating slideshows, Movavi Slideshow Maker is worth considering. This software makes it easy to create a picture slideshow with music in just three simple steps: import your photos, add music and transitions, and export your final product. Movavi supports various media formats and offers high-quality output resolutions up to 4K, making it one of the best slideshow maker software available. You can access a rich library of filters, effects, and templates to improve your creativity. Moreover, the built-in music library provides royalty-free tracks, ensuring your slideshows are engaging. Whether you’re on Windows or Mac, you’ll find this photo slideshow software free download full version meets your needs and simplifies how to make a slideshow with pics and music. Adobe Express Adobe Express serves as a user-friendly web-based design tool that simplifies the process of creating photo slideshows with integrated music and alterations. You can easily make a slideshow with images using AI, ensuring a visually appealing result. To learn how to create a picture slideshow with music, explore the polished templates and design assets offered by Adobe Express. This free slideshow maker is compatible with both web and mobile devices, allowing you to edit on-the-go. You can customize slide timing and transitions, giving you control over your slideshow presentations. With its integration into Adobe Creative Cloud, Adobe Express stands out among the best photo slideshow software and top slideshow programs available today. Icecream App Icecream App is a lightweight desktop application that simplifies the process of creating straightforward slideshows, making it an excellent choice for beginners. This software allows you to make a slideshow with images using AI, which is one of the easiest ways to make a photo slideshow. You can easily learn how to create a video slideshow and how to make a photo slideshow with music. Icecream App supports various file formats and offers quick export options for hassle-free use. Although it may not have advanced editing features, it shines as one of the best photo slideshow maker software available. If you’re wondering how do you create a slideshow with music, this app is among the top slideshow software options for you. Clipchamp Clipchamp stands out as a user-friendly, browser-based video editor that caters to both novices and professionals looking to create impressive slideshows. With its flexible timeline editing, you can easily arrange photos and videos to achieve the perfect visual flow. Whether you want to make a slideshow with images using AI or learn how to make a slideshow video, Clipchamp provides excellent resources. It ranks among the best slideshow software, featuring a variety of templates and stock assets to improve your projects. If you’re wondering how to create a picture slideshow with music for free, this platform has built-in options for that too. Nonetheless, be mindful that performance may lag on lower-end devices, impacting larger projects. Frequently Asked Questions What Is the Best Video Slideshow Maker? When choosing the best video slideshow maker, consider your needs and preferences. Animoto’s user-friendly interface is great for quick projects, whereas PowerDirector offers extensive effects and changes. Movavi Slideshow Maker simplifies the process with its three-step method, and Icecream Slideshow Maker supports high-resolution outputs. For social media content, Adobe Express provides polished templates. Each option has unique features, so evaluate them based on your specific requirements and desired outcomes to find the right fit. How to Make a Stunning Slideshow? To create a stunning slideshow, start by selecting a user-friendly slideshow maker with customizable templates. Import high-quality photos and videos from your device or cloud. Add text captions for context and choose license-free music to set the mood. Experiment with various shifts and animations to keep your audience engaged. Finally, export your slideshow in high resolution, such as 4K, to guarantee clarity across different platforms and devices for the best viewing experience. What’s the Best App to Use for a Slideshow? To find the best app for creating a slideshow, consider your specific needs. Animoto offers a straightforward drag-and-drop interface, whereas Wondershare Filmora provides robust editing tools. If you prefer simplicity, Movavi Slideshow Maker is efficient with its three-step process. Freemake Video Converter allows for easy uploads to YouTube. Evaluate these options based on features, ease of use, and desired output quality to choose the right one for you. What Is the Best Free AI Photo Slideshow Maker? The best free AI photo slideshow maker is InVideo AI. It lets you create slideshows using personal media, stock images, or text prompts. Its user-friendly interface works seamlessly on Chrome and Edge browsers, so you won’t need to download any software. During the free version has limitations like watermarks and restrictions on the number of slideshows, the AI features simplify the process, allowing you to generate visually appealing slideshows quickly and efficiently. Conclusion To conclude, choosing the right slideshow video creator can improve your visual storytelling. Animoto’s templates and music library cater to diverse needs, whereas Movavi’s straightforward process simplifies creation. Adobe Express offers professional-quality design through AI tools, and Icecream App is user-friendly for beginners. Finally, Clipchamp’s flexible editing options accommodate all skill levels. By comprehending the unique strengths of each platform, you can select the one that best fits your project requirements and creative vision. Image via Google Gemini This article, "Top 5 Slideshow Video Creators for Stunning Visuals" was first published on Small Business Trends View the full article
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KLM warns of de-icer shortage after Schiphol snowstorms
Stranded passengers may have to wait days for alternative flights after hundreds of cancellations View the full article
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CES 2026: Anker Launched These 2-in-1 Earbuds, and They’re Already on Sale
Anker launched a pair of "2-in-1" earbuds under its Soundcore brand at CES 2026, and it has a unique feature: They can be worn in two ways by adjusting the ear hooks. When you want active noise cancellation, you can wear it in-ear, and when you don't, you can adjust the hooks for an open-ear design. This quirky product is called the Soundcore Aerofit 2 Pro—and you can already buy it for $150, which includes a launch discount of $30. When it comes to CES announcements, I'm always wary of vaporware, aka products that are announced but never shipped. That's why I keep an eye out for products with a shorter launch window so you can actually get your hands on the things you're excited about. The Soundcore Aerofit 2 Pro is one of those products. As Anker itself admits on the product page, the Aerofit 2 Pro isn't for everyone. The biggest quirk of this product is its size. It's a lot bigger than most ANC earbuds, and the ear hooks go all the way around your ears, which isn't a fit that works for everyone. The charging case is also quite large, when compared with other ANC earbuds: It's 4.23 inches (11cm) wide, and it supports wireless charging. Credit: Soundcore Most noise-cancelling headphones let you switch to a listening mode that allows ambient sounds via software, but the Aerofit 2 Pro lets you do this by physically twisting the earbuds. This adjustment seems quite seamless based on the demo video on the product page, but I haven't tested it in-person, so I'll reserve my judgment until I do. There are five levels of adjustment for the ear hooks, with levels 1 and 2 reserved for open-ear listening, and 4 and 5 for noise cancellation. Level 3 maintains your previous listening mode to prevent accidentally switching to a different mode. View the full article
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The ouster of Nicolás Maduro in Venezuela shows the pervasiveness of deepfakes
In moments of political chaos, deepfakes and AI-generated content can thrive. Case in point: the online reaction to the US government’s shocking operation in Venezuela over the weekend, which included multiple airstrikes and a clandestine mission that ended with the capture of the country’s president, Nicolás Maduro, and his wife. They were soon charged with narcoterrorism, along with other crimes, and they’re currently being held at a federal prison in New York. Right now, the facts of the extraordinary operation are still coming to light, and the future of Venezuela is incredibly unclear. President Donald The President says the U.S. government plans to “run” the country. Secretary of State Marco Rubio has indicated that, no, America isn’t going to do that, and that the now-sworn-in former vice president, Delcy Rodriguez will lead instead. Others are still calling for opposition leaders María Corina Machado and Edmundo Gonalzez to take charge. It’s in moments like this that deepfakes, disinformation campaigns, and even AI-generated memes, can pick up traction. When the truth, or the future, isn’t yet obvious, generative artificial intelligence allows people to render content that answers the as-yet-unanswered questions, filling in the blanks with what they might want to be true. We’ve already seen AI videos about what’s going on in Venezuela. Some are meme-y depictions of Maduro handcuffed on a military plane, but some could be confused for actual footage. While a large number of Venezuelans did come out to celebrate Maduro’s capture, videos displaying AI-generated crowds have also popped up, including one that apparently tricked X CEO Elon Musk. At least anecdotally, deepfake content related to Venezuela has spiked in recent days, says Ben Colman, the cofounder and CEO of Reality Defender, a firm that tracks deepfakes. Those narratives aren’t tied to any movement and “run the gamut from nationalist to anti-government, pro-Venezuela, pro-US, pro-unity, anti-globalization, and everything in between,” he says. “The difference between this event and events from even a few months ago is that image models have gotten so good in recent days that the most astute fact-checkers, media verification experts, and experts in our field are unable to manually verify many of them by pointing to specific aspects of the image as an indicator for validity or lack thereof,” Colman explains. “That battle (of manual, visual verification) is pretty much lost.” OpenAI told Fast Company that it’s monitoring how Venezuela is playing out across its products and says it will take action where it sees violations of its usage policies. The State Department’s Global Engagement Center, a federal outfit established to monitor disinformation campaigns aboard, would have previously tracked the situation, a former employee says. For instance, within the Russian war in Ukraine, the State Department saw deepfakes of leaders trying to convince soldiers to lay down their arms, and fake narratives about additional entrants into the war. During political chaos, it’s common for online actors to try to disincentivize opposing factions, the person adds. That center was later shut down, after Republicans accused the outfit of censoring Americans. The State Department did not respond to a request for comment by time of publication. ‘Accelerants’ Political deepfakes and AI-generated content are now commonplace. A few years ago, AI-generated TV anchors spreading pro-government talking points, seemingly intended to promote the idea that Venezuela’s economy and security were generally good went viral across the country. In 2024, a party affiliated with former president of South Africa, Jacob Zuma, shared a deepfake video featuring an AI-generated Donald The President endorsing their platform (that was far from the only example in the country). As even the recent New York City mayoral election showed, AI is often deployed during tense campaign seasons. The Knight First Amendment Institute, which analyzed the use of AI in elections back in 2024, found that many deployments of AI, especially during election time, aren’t necessarily meant to deceive—and that misinformation isn’t always created from AI. The problem isn’t just that it’s easy to make disinformation with AI, but that people are open to ingesting disinformation. In other words, there’s demand for this kind of content. “Deepfakes in this context aren’t just misinformation, they are accelerants,” Emmanuelle Saliba, chief investigative officer at GetReal Security, another firm that tracks deepfakes, told Fast Company. “While some of the fabricated content we’ve seen circulating is created to feed meme culture, some of it has been created and disseminated to confuse and destabilize people during an already volatile climate. Trust is hanging by a thread.” View the full article
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US tracking oil tanker off UK coast linked to Venezuela, Russia and Iran
Monitoring comes as Washington builds up military assets in BritainView the full article
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US to run high-tech ceasefire monitoring under draft Ukraine plan
Military would use sensors, drones and satellites to ensure compliance in support of a European-led ‘reassurance force’View the full article