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When you’re reviewing a Franchise Disclosure Document (FDD), it’s essential to focus on several key elements. Start by examining the franchisor’s legal structure and management qualifications, as these can considerably impact your investment. Look closely at financial performance representations and ongoing fees, which will affect your profitability. Furthermore, evaluating litigation history and current franchisee experiences can provide insights into potential risks. Comprehending these factors will help you make an informed decision about the franchise opportunity ahead. Key Takeaways Analyze the franchisor’s legal structure, history, and management team’s qualifications in Items 1 and 2 for credibility and stability. Review Financial Performance Representations in Item 19, focusing on historical results and engaging with current franchisees for insights. Evaluate initial and ongoing franchise fees in Items 5 and 6, considering their impact on profitability and return on investment. Investigate the litigation history in the FDD, noting patterns in lawsuits and their implications for operational or ethical concerns. Assess outlet data in Item 20, looking for trends in openings, closures, and overall franchise system health, including state-specific performance. Key Information About the Franchisor When considering a franchise opportunity, it’s vital to comprehend the key information about the franchisor. Begin with Item 1 of the FDD, which outlines the franchisor’s legal structure, history, and affiliates, helping you assess credibility. Next, review Item 2, where the management team’s qualifications and industry experience are highlighted, ensuring they can support you effectively. Item 3 reveals the franchisor’s litigation history, showcasing any legal disputes that could indicate potential risks. Investigate Item 4 for bankruptcy history, as this provides insight into financial stability. Finally, Item 13 discusses trademarks, important for grasping brand identity and legal protections. Consulting a franchise attorney is advisable, as franchise attorney fees and franchise lawyer fees can provide valuable guidance during your FDD review. Understanding Financial Performance Representations Comprehending Financial Performance Representations (FPR) is vital for anyone considering a franchise opportunity, as these disclosures offer valuable insights into the financial health of existing franchisees. Found in Item 19 of the FDD, FPR includes data on earnings, gross sales, and profit margins, though only about half of franchisors provide this information. It’s important to review these historical financial results accurately, as misleading claims can lead to poor investment decisions. Engaging with current franchisees can provide context to the FPR, helping you build a realistic profit and loss statement. Recognizing these aspects can reveal the franchise’s financial viability and potential risks, making it worthwhile to factor in any franchise attorney cost when evaluating your options. Evaluating Franchise Fees and Obligations Comprehending franchise fees and obligations is essential for anyone looking to invest in a franchise, as these costs can greatly influence your financial success. You’ll need to understand the initial franchise fee, service fees, royalties, and technology fees, all of which are mandated by the Arthur Wishart Act for transparency. Carefully evaluate the initial fees listed in Item 5 against your expected return on investment. Ongoing fees in Item 6 can notably impact your profitability, so clarify all financial obligations to the franchisor before signing any agreement. Reviewing Item 7, which estimates total initial investment costs, helps you assess affordability. Finally, consider the long-term financial implications of ongoing fees, as they affect the overall sustainability of your franchise business. Analyzing Litigation History Analyzing the litigation history of a franchisor is crucial for comprehending the potential legal risks tied to your franchise investment. The FDD must disclose any current and past litigation over the last ten years, highlighting critical legal issues. A high volume of lawsuits or repeated franchisee claims against the franchisor may indicate systemic problems that deserve further scrutiny. Under the Arthur Wishart Act, franchisors must provide details on ongoing and settled lawsuits, ensuring transparency. You should examine the nature of the allegations, as patterns—especially those concerning franchisee rights—could reveal operational or ethical concerns. Investigating past lawsuit outcomes and their impact on franchise operations can shed light on the franchisor’s ability to resolve disputes effectively. Assessing Outlet and Franchisee Data When evaluating outlet and franchisee data, it’s essential to look closely at Item 20 of the Franchise Disclosure Document (FDD), which outlines a three-year history of both franchise and corporate-owned outlets. This section provides data on outlets opened, closed, transferred, and terminated, letting you assess the overall health of the franchise system. Analyze trends like net changes in outlets to identify growth patterns and potential stability or instability. Additionally, pay attention to state-specific data, as localized performance issues may differ from national averages. Investigate the reasons behind franchisee departures disclosed under the Arthur Wishart Act, as significant exits could signal systemic problems. Engaging with existing franchisees offers valuable insights into their experiences and the franchise’s viability. Frequently Asked Questions What to Look for in an FDD? When you’re reviewing an FDD, focus on key items that reveal important information. Start with Item 1 for the franchisor’s history and affiliations, then check Item 3 for any litigation that might signal risks. Next, analyze Items 5 and 6 to understand all fees involved. Don’t overlook Item 19 for potential earnings insights, and finally, review Item 21 for financial statements that assess the franchisor’s stability and support capabilities for franchisees. How to Review FDD? To review an FDD effectively, start by examining Item 1 for details about the franchisor’s history and structure. Next, check Item 3 for any litigation history, as this can reveal potential risks. Then, evaluate Items 5 and 6 to understand all fees involved. Review Item 19 for financial performance representations, providing insight into potential earnings. Finally, analyze Item 21 for financial statements, which help assess the franchisor’s stability and support capabilities. What Is the 14 Day Rule for FDD? The 14-day rule requires franchisors to give you the Franchise Disclosure Document (FDD) at least 14 days before you sign a franchise agreement or make any payment. This rule guarantees you have enough time to review the FDD thoroughly and seek advice if needed. Established by the Federal Trade Commission (FTC), it aims to promote transparency and protect you from hasty decisions that could lead to financial loss or misrepresentation. What Are the 4 P’s of Franchising? The 4 P’s of franchising are essential for evaluating any franchise opportunity. To begin with, Product refers to the quality and uniqueness of the offerings, ensuring they meet market demand. In addition, Price involves comprehending all costs, such as initial fees and royalties, that impact profitability. Thirdly, Place focuses on location strategy, including territory protections and competition analysis. Finally, Promotion encompasses the marketing support from the franchisor, helping you effectively attract customers and grow your business. Conclusion In summary, reviewing a Franchise Disclosure Document is essential for making informed decisions. Focus on the franchisor’s structure, management qualifications, and any litigation history that may affect reputation. Carefully analyze financial performance representations and ongoing fees to understand potential profitability. Furthermore, assess the history of franchise outlets and engage with current franchisees for firsthand insights. By thoroughly examining these elements, you’ll gain a clearer picture of the franchise opportunity and its long-term viability. Image via Envanto This article, "What to Look for in an FDD Review?" was first published on Small Business Trends View the full article

When you’re reviewing a Franchise Disclosure Document (FDD), it’s essential to focus on several key elements. Start by examining the franchisor’s legal structure and management qualifications, as these can considerably impact your investment. Look closely at financial performance representations and ongoing fees, which will affect your profitability. Furthermore, evaluating litigation history and current franchisee experiences can provide insights into potential risks. Comprehending these factors will help you make an informed decision about the franchise opportunity ahead. Key Takeaways Analyze the franchisor’s legal structure, history, and management team’s qualifications in Items 1 and 2 for credibility and stability. Review Financial Performance Representations in Item 19, focusing on historical results and engaging with current franchisees for insights. Evaluate initial and ongoing franchise fees in Items 5 and 6, considering their impact on profitability and return on investment. Investigate the litigation history in the FDD, noting patterns in lawsuits and their implications for operational or ethical concerns. Assess outlet data in Item 20, looking for trends in openings, closures, and overall franchise system health, including state-specific performance. Key Information About the Franchisor When considering a franchise opportunity, it’s vital to comprehend the key information about the franchisor. Begin with Item 1 of the FDD, which outlines the franchisor’s legal structure, history, and affiliates, helping you assess credibility. Next, review Item 2, where the management team’s qualifications and industry experience are highlighted, ensuring they can support you effectively. Item 3 reveals the franchisor’s litigation history, showcasing any legal disputes that could indicate potential risks. Investigate Item 4 for bankruptcy history, as this provides insight into financial stability. Finally, Item 13 discusses trademarks, important for grasping brand identity and legal protections. Consulting a franchise attorney is advisable, as franchise attorney fees and franchise lawyer fees can provide valuable guidance during your FDD review. Understanding Financial Performance Representations Comprehending Financial Performance Representations (FPR) is vital for anyone considering a franchise opportunity, as these disclosures offer valuable insights into the financial health of existing franchisees. Found in Item 19 of the FDD, FPR includes data on earnings, gross sales, and profit margins, though only about half of franchisors provide this information. It’s important to review these historical financial results accurately, as misleading claims can lead to poor investment decisions. Engaging with current franchisees can provide context to the FPR, helping you build a realistic profit and loss statement. Recognizing these aspects can reveal the franchise’s financial viability and potential risks, making it worthwhile to factor in any franchise attorney cost when evaluating your options. Evaluating Franchise Fees and Obligations Comprehending franchise fees and obligations is essential for anyone looking to invest in a franchise, as these costs can greatly influence your financial success. You’ll need to understand the initial franchise fee, service fees, royalties, and technology fees, all of which are mandated by the Arthur Wishart Act for transparency. Carefully evaluate the initial fees listed in Item 5 against your expected return on investment. Ongoing fees in Item 6 can notably impact your profitability, so clarify all financial obligations to the franchisor before signing any agreement. Reviewing Item 7, which estimates total initial investment costs, helps you assess affordability. Finally, consider the long-term financial implications of ongoing fees, as they affect the overall sustainability of your franchise business. Analyzing Litigation History Analyzing the litigation history of a franchisor is crucial for comprehending the potential legal risks tied to your franchise investment. The FDD must disclose any current and past litigation over the last ten years, highlighting critical legal issues. A high volume of lawsuits or repeated franchisee claims against the franchisor may indicate systemic problems that deserve further scrutiny. Under the Arthur Wishart Act, franchisors must provide details on ongoing and settled lawsuits, ensuring transparency. You should examine the nature of the allegations, as patterns—especially those concerning franchisee rights—could reveal operational or ethical concerns. Investigating past lawsuit outcomes and their impact on franchise operations can shed light on the franchisor’s ability to resolve disputes effectively. Assessing Outlet and Franchisee Data When evaluating outlet and franchisee data, it’s essential to look closely at Item 20 of the Franchise Disclosure Document (FDD), which outlines a three-year history of both franchise and corporate-owned outlets. This section provides data on outlets opened, closed, transferred, and terminated, letting you assess the overall health of the franchise system. Analyze trends like net changes in outlets to identify growth patterns and potential stability or instability. Additionally, pay attention to state-specific data, as localized performance issues may differ from national averages. Investigate the reasons behind franchisee departures disclosed under the Arthur Wishart Act, as significant exits could signal systemic problems. Engaging with existing franchisees offers valuable insights into their experiences and the franchise’s viability. Frequently Asked Questions What to Look for in an FDD? When you’re reviewing an FDD, focus on key items that reveal important information. Start with Item 1 for the franchisor’s history and affiliations, then check Item 3 for any litigation that might signal risks. Next, analyze Items 5 and 6 to understand all fees involved. Don’t overlook Item 19 for potential earnings insights, and finally, review Item 21 for financial statements that assess the franchisor’s stability and support capabilities for franchisees. How to Review FDD? To review an FDD effectively, start by examining Item 1 for details about the franchisor’s history and structure. Next, check Item 3 for any litigation history, as this can reveal potential risks. Then, evaluate Items 5 and 6 to understand all fees involved. Review Item 19 for financial performance representations, providing insight into potential earnings. Finally, analyze Item 21 for financial statements, which help assess the franchisor’s stability and support capabilities. What Is the 14 Day Rule for FDD? The 14-day rule requires franchisors to give you the Franchise Disclosure Document (FDD) at least 14 days before you sign a franchise agreement or make any payment. This rule guarantees you have enough time to review the FDD thoroughly and seek advice if needed. Established by the Federal Trade Commission (FTC), it aims to promote transparency and protect you from hasty decisions that could lead to financial loss or misrepresentation. What Are the 4 P’s of Franchising? The 4 P’s of franchising are essential for evaluating any franchise opportunity. To begin with, Product refers to the quality and uniqueness of the offerings, ensuring they meet market demand. In addition, Price involves comprehending all costs, such as initial fees and royalties, that impact profitability. Thirdly, Place focuses on location strategy, including territory protections and competition analysis. Finally, Promotion encompasses the marketing support from the franchisor, helping you effectively attract customers and grow your business. Conclusion In summary, reviewing a Franchise Disclosure Document is essential for making informed decisions. Focus on the franchisor’s structure, management qualifications, and any litigation history that may affect reputation. Carefully analyze financial performance representations and ongoing fees to understand potential profitability. Furthermore, assess the history of franchise outlets and engage with current franchisees for firsthand insights. By thoroughly examining these elements, you’ll gain a clearer picture of the franchise opportunity and its long-term viability. Image via Envanto This article, "What to Look for in an FDD Review?" was first published on Small Business Trends View the full article

Intuit recently unveiled its new Intuit Accountant Suite, a cutting-edge platform designed specifically for accounting firms seeking to enhance efficiency and profitability. In an era when small businesses often feel overwhelmed by the complexities of managing client accounts, this AI-powered solution promises to streamline operations and improve service delivery. The introduction of Intuit Accountant Suite comes at a time when the demands on accounting practices continue to grow. “Accounting firms play a vital role in advising their clients on key growth strategies, while managing their own complex operations,” says Simon Williams, vice president of accountant partnerships and engagement at Intuit. The suite aims to give firms the tools they need to thrive in a competitive landscape. Key Benefits for Small Businesses The Intuit Accountant Suite integrates five core capabilities into one platform, making it easy for accounting professionals to manage client interactions and internal procedures. Here are some standout features aimed at benefiting small business owners: Consolidated Client Management: Firms can manage all client files in one centralized location, reducing the need for multiple accounts and streamlining access to essential information. Custom Dashboard: Each team member can personalize their home base, ensuring that critical tasks and AI-generated insights are easily accessible and tailored to individual workflows. Role-Based Access Controls: This feature allows for efficient delegation of tasks, enabling firms to customize roles and permissions, which helps keep compliance in check across various services like accounting and payroll. AI-Powered Client Insights: A new feature provides analytics and benchmarking, giving accountants firm-wide insights to facilitate informed decision-making. These capabilities are designed to not only enhance productivity but also free up time for accountants to focus on higher-value advisory services—an essential shift as businesses look for enhanced support from their advisors. Real-World Applications Small business owners stand to gain significantly by utilizing the expertise of accounting firms that embrace the Intuit Accountant Suite. For example, quick access to analytics can help identify the most profitable clients or areas that require more resources, fostering better business strategies. Additionally, with the automated processes for payroll and reporting, firms can allocate resources more effectively, improving overall responsiveness and service quality. Dan Luthi, partner at Ignite Spot, notes, “One of the hardest parts of running a firm is staying connected to the pulse of the business beyond day-to-day client work. The foundation being built with Intuit Accountant Suite has the potential to reshape how we visualize and respond to what’s happening in our practice.” Potential Challenges to Consider While the Intuit Accountant Suite offers substantial benefits, small business owners should also be aware of potential challenges that may arise with its adoption. Transitioning to a new platform can require a learning curve, both for the accounting firms and their small business clients. Additionally, data security is always a consideration when integrating multiple systems and platforms. It’s essential for firms to ensure that their existing data is correctly transitioned to the new suite while maintaining rigorous security protocols. Moreover, since the software relies on AI and machine learning, firms will need to commit to ongoing training to leverage its full potential fully. Staying updated with additional AI-powered workflows and tools announced for future implementation will be critical for maximizing efficiency and growth. The Intuit Accountant Suite, currently available for U.S.-based accounting firms at no cost, reflects Intuit’s commitment to empowering accounting practices with technology that drives value. The suite is expected to evolve with even more AI functions, making it a worthy option for firms looking to scale operations and enhance client service efficiently. Small business owners interested in leveraging the advantages of a modern accounting platform should consider engaging with firms using the Intuit Accountant Suite to ensure they receive the best insights and support available. For more details, visit the original press release here. This article, "Intuit Unveils AI-Powered Accountant Suite to Streamline Firm Operations" was first published on Small Business Trends View the full article

Intuit recently unveiled its new Intuit Accountant Suite, a cutting-edge platform designed specifically for accounting firms seeking to enhance efficiency and profitability. In an era when small businesses often feel overwhelmed by the complexities of managing client accounts, this AI-powered solution promises to streamline operations and improve service delivery. The introduction of Intuit Accountant Suite comes at a time when the demands on accounting practices continue to grow. “Accounting firms play a vital role in advising their clients on key growth strategies, while managing their own complex operations,” says Simon Williams, vice president of accountant partnerships and engagement at Intuit. The suite aims to give firms the tools they need to thrive in a competitive landscape. Key Benefits for Small Businesses The Intuit Accountant Suite integrates five core capabilities into one platform, making it easy for accounting professionals to manage client interactions and internal procedures. Here are some standout features aimed at benefiting small business owners: Consolidated Client Management: Firms can manage all client files in one centralized location, reducing the need for multiple accounts and streamlining access to essential information. Custom Dashboard: Each team member can personalize their home base, ensuring that critical tasks and AI-generated insights are easily accessible and tailored to individual workflows. Role-Based Access Controls: This feature allows for efficient delegation of tasks, enabling firms to customize roles and permissions, which helps keep compliance in check across various services like accounting and payroll. AI-Powered Client Insights: A new feature provides analytics and benchmarking, giving accountants firm-wide insights to facilitate informed decision-making. These capabilities are designed to not only enhance productivity but also free up time for accountants to focus on higher-value advisory services—an essential shift as businesses look for enhanced support from their advisors. Real-World Applications Small business owners stand to gain significantly by utilizing the expertise of accounting firms that embrace the Intuit Accountant Suite. For example, quick access to analytics can help identify the most profitable clients or areas that require more resources, fostering better business strategies. Additionally, with the automated processes for payroll and reporting, firms can allocate resources more effectively, improving overall responsiveness and service quality. Dan Luthi, partner at Ignite Spot, notes, “One of the hardest parts of running a firm is staying connected to the pulse of the business beyond day-to-day client work. The foundation being built with Intuit Accountant Suite has the potential to reshape how we visualize and respond to what’s happening in our practice.” Potential Challenges to Consider While the Intuit Accountant Suite offers substantial benefits, small business owners should also be aware of potential challenges that may arise with its adoption. Transitioning to a new platform can require a learning curve, both for the accounting firms and their small business clients. Additionally, data security is always a consideration when integrating multiple systems and platforms. It’s essential for firms to ensure that their existing data is correctly transitioned to the new suite while maintaining rigorous security protocols. Moreover, since the software relies on AI and machine learning, firms will need to commit to ongoing training to leverage its full potential fully. Staying updated with additional AI-powered workflows and tools announced for future implementation will be critical for maximizing efficiency and growth. The Intuit Accountant Suite, currently available for U.S.-based accounting firms at no cost, reflects Intuit’s commitment to empowering accounting practices with technology that drives value. The suite is expected to evolve with even more AI functions, making it a worthy option for firms looking to scale operations and enhance client service efficiently. Small business owners interested in leveraging the advantages of a modern accounting platform should consider engaging with firms using the Intuit Accountant Suite to ensure they receive the best insights and support available. For more details, visit the original press release here. This article, "Intuit Unveils AI-Powered Accountant Suite to Streamline Firm Operations" was first published on Small Business Trends View the full article

The United States and South Korea advanced trade talks on Wednesday, addressing details of $350 billion that would be invested in the American economy, after negotiations and ceremonies that included the presentation of a gold medal and crown to President Donald The President. Both were gifts from the country’s president, Lee Jae Myung, who dialed up the flattery while Washington and Seoul worked to nail down financial promises during the last stop of The President’s Asia trip. Although both sides said progress has been made — The President said things were “pretty much finalized” — no agreement has been signed yet. The framework includes gradual investments, cooperation on shipbuilding and the lowering of The President’s tariffs on South Korea’s automobile exports, according to Kim Yong-beom, Lee’s chief of staff for policy. The White House did not immediately respond to a request for comment. The announcement came after a day of adulation for the visiting American president from his hosts. There was a special lunch menu featuring U.S.-raised beef and a gold-adorned brownie. A band played The President’s campaign anthem of “Y.M.C.A.” when he stepped off Air Force One. Lee told him that “you are indeed making America great again.” The President can be mercurial and demanding, but he has a soft spot for pomp and circumstance. He was particularly impressed by a choreographed display of colorful flags as he walked along the red carpet. “That was some spectacle, and some beautiful scene,” The President told Lee during their meeting. “It was so perfect, so flawlessly done.” Earlier in the day, The President even softened his rhetoric on international trade, which he normally describes in predatory terms where someone is always trying to rip off the United States. “The best deals are deals that work for everybody,” he said during a business forum. Washington and Seoul have been working on a trade deal The President was visiting while South Korea is hosting the annual Asia-Pacific Economic Cooperation summit in the historical city of Gyeongju. He previously stopped in Japan, where he bonded with the new prime minister, and Malaysia, where he attended a summit of the Association of Southeast Asian Nations. The Republican president has been trying to tie up trade deals along the way, eager to show that his confrontational approach of tariffs is paying dividends for Americans who are uneasy about the job market and watching a federal government shutdown extend into its fifth week. However, South Korea has been particularly tough to crack, with the sticking point being The President’s demand for $350 billion of direct investment in the U.S. Korean officials say putting up cash could destabilize their own economy, and they’d rather offer loans and loan guarantees instead. The country would also need a swap line to manage the flow of its currency into the U.S. The President, after meeting with Lee, said “we made our deal pretty much finalized.” He did not provide any details. Oh Hyunjoo, a deputy national security director for South Korea, told reporters earlier in the week that the negotiations have been proceeding “a little bit more slowly” than expected. “We haven’t yet been able to reach an agreement on matters such as the structure of investments, their formats and how the profits will be distributed,” she said Monday. It’s a contrast from The President’s experience in Japan, where the government has worked to deliver the $550 billion in investments it promised as part of an earlier trade agreement. Commerce Secretary Howard Lutnick announced up to $490 billion in specific commitments during a dinner with business leaders in Tokyo. For now, South Korea is stuck with a 25% tariff on automobiles, putting automakers such as Hyundai and Kia at a disadvantage against Japanese and European competitors, which face 15%. Lee, speaking at the business forum before The President arrived, warned against trade barriers. “At a time when protectionism and nationalism are on the rise and nations focus on their immediate survival, words like ‘cooperation,’ ‘coexistence’ and ‘inclusive growth’ may sound hollow,” he said. “Yet, paradoxically, it is in times of crisis like this that APEC’s role as a platform for solidarity shines brighter.” The President and Lee swap praise despite disagreements Lee took office in June and had a warm meeting with The President at the White House in August, when he praised Oval Office renovations and suggested building a The President Tower in North Korea. He took a similar approach when The President visited on Wednesday. The gold medal presented to The President represents the Grand Order of Mugunghwa, the country’s highest honor, and The President is the first U.S. president to receive it. The President said “it’s as beautiful as it can possibly be” and “I’d like to wear it right now.” Next was a replica of a royal crown from the Silla Kingdom, which existed from 57 B.C. to 935 A.D. The original crown was found in a tomb in Gyeongju, the kingdom’s capital. Besides trade disagreements, there have been other points of tension between Washington and Seoul this year. More than 300 South Koreans were detained during a U.S. immigration raid on a Hyundai plant in Georgia in September, sparking a sense of outrage and betrayal. Lee said at the time companies would likely hesitate to make future investments unless the visa system was improved. “If that’s not possible, then establishing a local factory in the United States will either come with severe disadvantages or become very difficult for our companies,” he said. Asked Monday about the immigration raid, The President said, “I was opposed to getting them out,” and he said an improved visa system would make it easier for companies to bring in skilled workers. The President-Xi meeting is expected Thursday While in South Korea, The President is also expected to hold a closely watched meeting on Thursday with Chinese leader Xi Jinping. Washington and Beijing have clashed over trade, but both sides have indicated that they’re willing to dial down tensions. The President told reporters aboard Air Force One on Wednesday that he expects to lower tariffs targeting China over the flow of fentanyl ingredients. “They’ll be doing what they can do,” he said. The President added that “China is going to be working with me.” The President sounded resigned to the idea that he wouldn’t get to meet North Korean leader Kim Jong Un on this trip. The president previously floated the possibility of extending his stay in South Korea, but on Wednesday said “the schedule was very tight.” North Korea has so far dismissed overtures from Washington and Seoul, saying it won’t resume diplomacy with the United States unless Washington drops its demand for the North’s denuclearization. North Korea said Wednesday it fired sea-to-surface cruise missiles into its western waters, in the latest display of its growing military capabilities as The President visits South Korea. The President brushed off the weapons test, saying “he’s been launching missiles for decades, right?” The two leaders met during The President’s first term, although their conversations did not produce any agreements about North Korea’s nuclear program. Associated Press writers Kim Tong-hyung and Hyung-jin Kim contributed from Seoul, South Korea, and Josh Boak contributed from Tokyo. —Chris Megerian, Associated Press View the full article

The following content is brought to you by Lifehacker partners. If you buy a product featured here, we may earn an affiliate commission or other compensation. You spent hours carving a perfectly frightful jack-o'-lantern for Halloween. Now you just need to light it up somehow for maximum scare factor. Maybe you plan on using electric candles or tea lights to glow up your scary gourd. If you choose the more traditional route of lighting your pumpkin with a real candle, however, you definitely want to follow some fire-safety protocols. BIC EZ LOAD Lighter $10.65 $14.20 Save $3.55 Get Deal Get Deal $10.65 $14.20 Save $3.55 Carving your pumpkin is only half the battle, but you should also be careful when lighting the candle inside. This is where a reloadable BIC EZ LOAD Lighter can come in handy. The long, thin wand easily gets into your jack-o'-lantern—and your grill, fireplace, and campfires. Now through Oct. 31, you can even save 25% on two BIC EZ LOAD starter kits with the code SPOOKY25.* Be smart about lighting your pumpkin’s candleIf you’re going old-school and using a real candle this year, make sure your pumpkin is sitting on a flat, stable surface so that it won’t tip over. Cut a good-sized hole in the gourd’s lid to let the heat from the candle escape, and put in a squatty votive candle, no tapered types. Use the BIC EZ LOAD Lighter to light the candle from a safe distance, and then place the lid ajar so that smoke can get out. Never leave a burning candle unattended. Extinguish and relight up to 15,000* timesAnother Halloween-night safety trick is to blow out your pumpkin’s candle—and all candles—in between groups of trick-or-treaters. As the first reloadable lighter in the BIC lineup, the BIC EZ LOAD ensures you’re always able to brighten any moment in three easy steps. Whenever the lighter wand is running low on fuel, all you have to do is pop open the bottom cap and replace it with a new BIC Maxi Pocket Lighter. Providing up to 15,000* lights, the BIC EZ LOAD Lighter is conveniently replaceable up to 10 times with a BIC Maxi Pocket Lighter. Safe, reliable lighting for Halloween and beyondThe BIC EZ LOAD Lighter will be lighting the moment for many of your Halloweens, backyard bonfires, and camping trips to come. In addition to being reloadable, each lighter goes through over 50 quality checks and meets BIC's stringent safety standards. Now through Oct. 31, nab two BIC EZ LOAD starter kits, with two BIC Maxi Pocket Lighters included, at 25% off with code SPOOKY25. DISCLAIMERS: *Based on reloading up to 10x with BIC Maxi. *25% off orders $40+ through midnight ET on October 31st, 2025. View the full article

Intuit is making waves in the small business world with the launch of its innovative Intuit Intelligence, a cutting-edge system designed to help businesses thrive in the era of artificial intelligence. This announcement, made during the Intuit Connect event in Las Vegas, highlights a significant shift in how businesses can leverage technology to streamline operations, make data-driven decisions, and ultimately boost growth. At the heart of Intuit’s new offerings is the promise of a virtual team of AI agents that work across various financial pillars, including customer management, payroll, accounting, and tax. These tools allow small business owners to ask any question related to their operations and receive instant, data-backed answers. For instance, inquiries about turning leads into sales or projecting profitability can now be answered almost immediately, enabling quicker decision-making and strategic planning. “We are leading the largest technology disruption in our history that will fundamentally change how businesses compete and grow,” said Intuit CEO Sasan Goodarzi. This statement underscores the transformative potential of the new system, suggesting that small business owners can gain a distinct competitive advantage through the effective use of Intuit’s platform. One of the standout features of Intuit Intelligence is its ability to automate complex tasks. Small business owners can command the system to perform functions like running payroll with simple prompts, thus freeing up valuable time. According to Intuit, businesses can save up to 12 hours per month by utilizing these simplified operations, allowing owners to focus on growth and customer service rather than getting bogged down in administrative tasks. The introduction of specialized AI agents marks a significant leap forward. New tools like the Sales Tax Agent and Payroll Agent are designed to enhance compliance and accuracy. The Sales Tax Agent ensures that businesses charge the correct sales tax and identify potential issues before they arise, while the Payroll Agent proactively collects employee hours, detects anomalies, and prepares payroll drafts for approval. Intuit is also enhancing its Enterprise Suite, an ERP solution aimed at mid-market businesses. This AI-native platform promises faster onboarding, advanced multi-entity management, and improved reporting capabilities. For small businesses operating across multiple locations or entities, these features can simplify financial management and provide deeper insights into performance metrics. While the benefits of these innovations are compelling, small business owners should also consider potential challenges. The transition to an AI-driven platform may require an initial investment of time and resources for training and integration. Businesses accustomed to traditional processes might face a learning curve as they adapt to new technologies. Furthermore, reliance on AI for critical business functions raises questions about data security and privacy, which are paramount for any small business. The Intuit Accountant Suite also emerged as a significant addition, tailored specifically for accounting firms. This platform aims to unify firm management by integrating client collaboration, service delivery, and business planning into one customizable dashboard. Accountants can leverage AI to answer complex queries about client profitability or automate the generation of reports, thereby enhancing their service offerings. As these innovations start rolling out to U.S.-based businesses and accountants, early adopters are likely to find themselves at a competitive advantage. The integration of AI into everyday business processes could redefine operational efficiency, allowing small firms to operate smarter and uncover new growth opportunities. With Intuit’s commitment to delivering real-time, personalized insights, small business owners now have a powerful tool to navigate the complexities of modern commerce. By embracing these advancements, they can position themselves for success in a rapidly evolving marketplace, where the ability to adapt and leverage technology will be key to survival and growth. This article, "Intuit Launches AI-Driven Innovations to Empower Business Growth" was first published on Small Business Trends View the full article

Intuit is making waves in the small business world with the launch of its innovative Intuit Intelligence, a cutting-edge system designed to help businesses thrive in the era of artificial intelligence. This announcement, made during the Intuit Connect event in Las Vegas, highlights a significant shift in how businesses can leverage technology to streamline operations, make data-driven decisions, and ultimately boost growth. At the heart of Intuit’s new offerings is the promise of a virtual team of AI agents that work across various financial pillars, including customer management, payroll, accounting, and tax. These tools allow small business owners to ask any question related to their operations and receive instant, data-backed answers. For instance, inquiries about turning leads into sales or projecting profitability can now be answered almost immediately, enabling quicker decision-making and strategic planning. “We are leading the largest technology disruption in our history that will fundamentally change how businesses compete and grow,” said Intuit CEO Sasan Goodarzi. This statement underscores the transformative potential of the new system, suggesting that small business owners can gain a distinct competitive advantage through the effective use of Intuit’s platform. One of the standout features of Intuit Intelligence is its ability to automate complex tasks. Small business owners can command the system to perform functions like running payroll with simple prompts, thus freeing up valuable time. According to Intuit, businesses can save up to 12 hours per month by utilizing these simplified operations, allowing owners to focus on growth and customer service rather than getting bogged down in administrative tasks. The introduction of specialized AI agents marks a significant leap forward. New tools like the Sales Tax Agent and Payroll Agent are designed to enhance compliance and accuracy. The Sales Tax Agent ensures that businesses charge the correct sales tax and identify potential issues before they arise, while the Payroll Agent proactively collects employee hours, detects anomalies, and prepares payroll drafts for approval. Intuit is also enhancing its Enterprise Suite, an ERP solution aimed at mid-market businesses. This AI-native platform promises faster onboarding, advanced multi-entity management, and improved reporting capabilities. For small businesses operating across multiple locations or entities, these features can simplify financial management and provide deeper insights into performance metrics. While the benefits of these innovations are compelling, small business owners should also consider potential challenges. The transition to an AI-driven platform may require an initial investment of time and resources for training and integration. Businesses accustomed to traditional processes might face a learning curve as they adapt to new technologies. Furthermore, reliance on AI for critical business functions raises questions about data security and privacy, which are paramount for any small business. The Intuit Accountant Suite also emerged as a significant addition, tailored specifically for accounting firms. This platform aims to unify firm management by integrating client collaboration, service delivery, and business planning into one customizable dashboard. Accountants can leverage AI to answer complex queries about client profitability or automate the generation of reports, thereby enhancing their service offerings. As these innovations start rolling out to U.S.-based businesses and accountants, early adopters are likely to find themselves at a competitive advantage. The integration of AI into everyday business processes could redefine operational efficiency, allowing small firms to operate smarter and uncover new growth opportunities. With Intuit’s commitment to delivering real-time, personalized insights, small business owners now have a powerful tool to navigate the complexities of modern commerce. By embracing these advancements, they can position themselves for success in a rapidly evolving marketplace, where the ability to adapt and leverage technology will be key to survival and growth. This article, "Intuit Launches AI-Driven Innovations to Empower Business Growth" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. With Black Friday looming on the horizon and Walmart and Best Buy jumping on the early holiday sale bandwagon, it can be a little overwhelming to commit to where to spend your money. However, something that has stayed consistent over the many sales has been Amazon device prices during the early sales. One of those Amazon devices with a record-low price is the 43-inch Amazon Fire TV Omni QLED, currently $339.99 (originally $439.99), the lowest price it has been according to price-checking tools. 43" Amazon Fire TV Omni QLED $339.99 at Amazon $439.99 Save $100.00 Get Deal Get Deal $339.99 at Amazon $439.99 Save $100.00 The Amazon Fire TV Omni QLED launched in 2022, and it's much better than the older Amazon Fire TV 4-Series. The main difference is that it's a QLED display, which provides better backlight and colors than an LED (it's also one of the best budget QLEDs TV of 2025). It also has Dolby Vision IQ and HDR10+ Adaptive, which adjusts picture quality based on ambient lighting, and HDR10+ Gaming, which gives a smoother and more responsive gameplay while maintaining picture quality. When you're not using this TV to watch your media, you can use its Fire TV Ambient Experience to do many other things, like keep track of security cameras, control lights, adjust thermostats, and view your reminders or calendar. You can also install Kodi on it to virtually stream anything for free. You can read about these and other useful features in PCMag's "excellent" review. This TV works great for a room that won't get too bright, since it only has 474 nits of brightness. You'll still be able to see it fine with windows open on a sunny day, but it won't get as bright as other TVs. If you're in the Alexa ecosystem, you'd be able to get the best value out of this Fire TV. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 2 Noise Cancelling Wireless Earbuds — $169.99 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Amazon Fire TV Stick 4K Plus — $29.99 (List Price $49.99) Shark AV2501AE AI XL Hepa- Safe Self-Emptying Base Robot Vacuum — $459.95 (List Price $649.99) Ring Pan-Tilt Indoor Cam, White with Ring Indoor Cam (2nd Gen), White — $59.99 (List Price $99.99) Blink Video Doorbell Wireless (Newest Model) + Sync Module Core — $29.99 (List Price $69.99) Blink Mini 2 1080p Indoor Security Camera (2-Pack, White) — $27.99 (List Price $69.99) Ring Video Doorbell Pro 2 with Ring Chime Pro — $149.99 (List Price $259.99) Introducing Amazon Fire TV 55" Omni Mini-LED Series, QLED 4K UHD smart TV, Dolby Vision IQ, 144hz gaming mode, Ambient Experience, hands-free with Alexa, 2024 release — $699.99 (List Price $819.99) Blink Outdoor 4 1080p 2-Camera Kit With Sync Module Core — $51.99 (List Price $129.99) Deals are selected by our commerce team View the full article

Mortgage loan application volume jumped 7.1% on a seasonally-adjusted basis last week, the Mortgage Bankers Association said. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. If you’re in the market for a new Windows 11 laptop for everyday use that’s under $150, the bestselling Lenovo IdeaPad 1i 14" Laptop is a smart choice – and right now, it’s $129 (originally $249.99) at Walmart. Lenovo IdeaPad 1i 14" Laptop $129.00 at Walmart $249.99 Save $120.99 Get Deal Get Deal $129.00 at Walmart $249.99 Save $120.99 Compared to the highly rated Lenovo IdeaPad 1 14, this version has more premium features and a more efficient processor. The laptop has a 14” HD display and two Dolby Audio speakers for rich sound. It comes with 128 GB of storage, 4 GB of RAM, and an Intel Celeron processor that enables multitasking with multi-screen capabilities. Four GB of non-upgradable RAM might mean that things get a bit sluggish if you have a lot of browser tabs or background apps open, but that’s to be expected at a sub-$150 price point. On a full charge, the battery lasts around 11 hours, and with rapid charge boost, it provides just over two hours of extra juice. 128GB eMMC allows you to access and edit files when you’re offline (though it’s slower than a full SSD) and a feature called Flip to Start powers the laptop on as soon as you flip open the lid. It includes a 720p camera with a privacy shutter and Smart Noise Cancelling to reduce background noise during calls. If you don’t need a lot of storage (and don’t mind upgrade limitations), this ultra-budget Lenovo IdeaPad 1i 14" Laptop is suitable for simple, everyday functionality. While it does come with its performance and hardware limitations and can’t compete with pricier powerhouse laptops, for $129, this entry-level laptop offers reliable value for budget-conscious buyers. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 2 Noise Cancelling Wireless Earbuds — $169.99 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Amazon Fire TV Stick 4K Plus — $29.99 (List Price $49.99) Shark AV2501AE AI XL Hepa- Safe Self-Emptying Base Robot Vacuum — $459.95 (List Price $649.99) Ring Pan-Tilt Indoor Cam, White with Ring Indoor Cam (2nd Gen), White — $59.99 (List Price $99.99) Blink Video Doorbell Wireless (Newest Model) + Sync Module Core — $29.99 (List Price $69.99) Blink Mini 2 1080p Indoor Security Camera (2-Pack, White) — $27.99 (List Price $69.99) Ring Video Doorbell Pro 2 with Ring Chime Pro — $149.99 (List Price $259.99) Introducing Amazon Fire TV 55" Omni Mini-LED Series, QLED 4K UHD smart TV, Dolby Vision IQ, 144hz gaming mode, Ambient Experience, hands-free with Alexa, 2024 release — $699.99 (List Price $819.99) Blink Outdoor 4 1080p 2-Camera Kit With Sync Module Core — $51.99 (List Price $129.99) Deals are selected by our commerce team View the full article

In an increasingly digital world, small businesses face a growing threat from sophisticated scams and fraud. With nearly 60% of people globally having experienced a scam in the past year, the stakes are high. As technology advances, so too do the methods employed by scammers, making it vital for small business owners to equip themselves with the right tools to safeguard their operations and reputations. The urgency of this issue is underscored by Google’s recent announcement designed to enhance security features within Google Messages. The tech giant is taking proactive measures to combat the rising tide of online threats that can impact small businesses. As phishing attacks and social engineering evolve, these new protections can be crucial for entrepreneurs operating in a digital-first landscape. One of the most significant developments is the introduction of safer links in Google Messages. Scammers frequently exploit text messaging to distribute malicious links that can jeopardize sensitive information. This newly integrated feature will alert users to potentially harmful links suspected of being spam, providing a much-needed safeguard. Users will receive warnings upon attempting to access these links, and they can only visit the site after explicitly marking the message as “not spam.” This enhancement is now available globally to all Google Messages users, offering a layer of protection that small business owners can leverage daily. The implications of these advancements extend far beyond individual users; they can shape how small businesses interact with customers. Building trust is paramount, and by utilizing tools that bolster security, entrepreneurs can offer peace of mind to their clients. A small business that reinforces its commitment to digital safety not only protects its own interests but also reinforces confidence among customers, which may ultimately lead to increased loyalty and sales. However, the integration of these technologies does not come without challenges. Although Google’s new features are designed to shield users from scams, small business owners may face a learning curve as they integrate these systems into their daily operations. It’s crucial that teams familiarize themselves with the features and understand how they can best utilize them to avoid pitfalls. Moreover, small business owners must remain vigilant in understanding that while these tools provide enhanced security, they are not foolproof. Continuous education on the latest threats and regular training sessions can help employees recognize warning signs of phishing attempts and other scams, further fortifying their defenses. As Google continues to innovate in the realm of security, small businesses can benefit from a multifaceted approach. This includes leveraging Google Messages’ new features alongside other security measures, such as two-factor authentication, training on recognizing scams, and maintaining up-to-date antivirus software. Quotes from experts often highlight the importance of preparation in this evolving landscape. “In a world where malicious content is almost indistinguishable from the real thing, these features and initiatives are designed to help you avoid scams altogether, or spot them before they cause harm,” a Google spokesperson noted. For small businesses, heeding this advice will be vital to preserving their integrity in the marketplace. Staying informed is a continuous process. With cyber threats on the rise, small business owners must actively engage with the tools at their disposal and foster a culture of safety within their organizations. The advancements in tools like Google Messages are steps in the right direction, but the onus remains on business leaders to ensure they and their teams are equipped to navigate this complex and treacherous landscape. As entrepreneurs look toward the future, integrating these security features offers not just a method to safeguard against scams but also an opportunity to create a more robust and trustworthy business model. For more details on Google’s initiatives aimed at combating online scams, visit the original announcement here. Image via Envanto This article, "Google Enhances Messages to Combat Rising Online Scams and Fraud" was first published on Small Business Trends View the full article

In an increasingly digital world, small businesses face a growing threat from sophisticated scams and fraud. With nearly 60% of people globally having experienced a scam in the past year, the stakes are high. As technology advances, so too do the methods employed by scammers, making it vital for small business owners to equip themselves with the right tools to safeguard their operations and reputations. The urgency of this issue is underscored by Google’s recent announcement designed to enhance security features within Google Messages. The tech giant is taking proactive measures to combat the rising tide of online threats that can impact small businesses. As phishing attacks and social engineering evolve, these new protections can be crucial for entrepreneurs operating in a digital-first landscape. One of the most significant developments is the introduction of safer links in Google Messages. Scammers frequently exploit text messaging to distribute malicious links that can jeopardize sensitive information. This newly integrated feature will alert users to potentially harmful links suspected of being spam, providing a much-needed safeguard. Users will receive warnings upon attempting to access these links, and they can only visit the site after explicitly marking the message as “not spam.” This enhancement is now available globally to all Google Messages users, offering a layer of protection that small business owners can leverage daily. The implications of these advancements extend far beyond individual users; they can shape how small businesses interact with customers. Building trust is paramount, and by utilizing tools that bolster security, entrepreneurs can offer peace of mind to their clients. A small business that reinforces its commitment to digital safety not only protects its own interests but also reinforces confidence among customers, which may ultimately lead to increased loyalty and sales. However, the integration of these technologies does not come without challenges. Although Google’s new features are designed to shield users from scams, small business owners may face a learning curve as they integrate these systems into their daily operations. It’s crucial that teams familiarize themselves with the features and understand how they can best utilize them to avoid pitfalls. Moreover, small business owners must remain vigilant in understanding that while these tools provide enhanced security, they are not foolproof. Continuous education on the latest threats and regular training sessions can help employees recognize warning signs of phishing attempts and other scams, further fortifying their defenses. As Google continues to innovate in the realm of security, small businesses can benefit from a multifaceted approach. This includes leveraging Google Messages’ new features alongside other security measures, such as two-factor authentication, training on recognizing scams, and maintaining up-to-date antivirus software. Quotes from experts often highlight the importance of preparation in this evolving landscape. “In a world where malicious content is almost indistinguishable from the real thing, these features and initiatives are designed to help you avoid scams altogether, or spot them before they cause harm,” a Google spokesperson noted. For small businesses, heeding this advice will be vital to preserving their integrity in the marketplace. Staying informed is a continuous process. With cyber threats on the rise, small business owners must actively engage with the tools at their disposal and foster a culture of safety within their organizations. The advancements in tools like Google Messages are steps in the right direction, but the onus remains on business leaders to ensure they and their teams are equipped to navigate this complex and treacherous landscape. As entrepreneurs look toward the future, integrating these security features offers not just a method to safeguard against scams but also an opportunity to create a more robust and trustworthy business model. For more details on Google’s initiatives aimed at combating online scams, visit the original announcement here. Image via Envanto This article, "Google Enhances Messages to Combat Rising Online Scams and Fraud" was first published on Small Business Trends View the full article

Tycoon is relinquishing board roles at Liberty Media and Liberty Global after buccaneering 50-year careerView the full article

Elon Musk has launched Grokipedia, a crowdsourced online encyclopedia that the billionaire seeks to position as a rival to Wikipedia. Writing on social media, Musk said that Grokipedia.com is “now live” and its goal is the “truth, the whole truth and nothing but the truth.” Musk has previously criticized Wikipedia for being filled with “propaganda” and called for people to stop donating to the site, which is run by a nonprofit. In September he announced that his artificial intelligence company xAI was working on Grokipedia. The Grokipedia site has a minimalist appearance with little beyond a search bar where users can type in queries. It states that it has 885,279 articles. Wikipedia, meanwhile, says it has more than 7 million articles in English. Like Wikipedia, users can search for articles on various topics such as Taylor Swift, the baseball World Series, or Buckingham Palace. While Wikipedia is written and edited by volunteers, it’s unclear how exactly Grokipedia articles are put together. Reports suggest the site is powered by the same xAI model that underpins Musk’s Grok chatbot, but some articles are seemingly adapted from Wikipedia. The San Francisco-based Wikimedia Foundation said in a statement Tuesday that it is “still in the process of understanding how Grokipedia works.” As a huge trove of well-constructed sentences with little restriction on how it’s used, Wikipedia has been a key source used to train AI chatbots, including Grok’s rivals ChatGPT and Google’s Gemini. “This human-created knowledge is what AI companies rely on to generate content; even Grokipedia needs Wikipedia to exist,” said the Wikimedia Foundation. Wikipedia for months has been a target of the political right. Republican lawmakers in the U.S. Congress launched an investigation in August of alleged “manipulation efforts” in Wikipedia’s editing process that they said could inject bias and undermine neutral points of view on its platform and the AI systems that rely on it. Wikipedia encourages its volunteer editors to cite nearly every sentence or paragraph with a primary source, and sentences not verified can be challenged and removed. Some of Grokipedia’s entries are thinly sourced, such as an entry on the Chola Dynasty of southern India that has three linked sources, compared to Wikipedia’s that has 113 linked sources plus dozens of referenced books. Grokipedia’s entry on Wikipedia accuses the site of having “systemic ideological biases — particularly a left-leaning slant in coverage of political figures and topics.” The Wikimedia Foundation said in its statement Tuesday: “Unlike newer projects, Wikipedia’s strengths are clear: it has transparent policies, rigorous volunteer oversight, and a strong culture of continuous improvement. Wikipedia is an encyclopedia, written to inform billions of readers without promoting a particular point of view.” —Associated Press View the full article

Starbucks’s reign as the world’s leading coffee company is faltering. And the new CEO, Brian Niccol, wants to fix it. Mark Wilson explains. View the full article

Shareholders' equity topped $105 billion as net income rose 16% from the previous quarter and nearly matched year-ago results. View the full article

We may earn a commission from links on this page. A depressing byproduct of global climate change is more powerful hurricanes—four of the six strongest hurricanes on record have occurred since 2005, and Hurricane Melissa, which tore through Jamaica yesterday as category 5 storm, may become number five. Everyone living near either U.S. coast is potentially in danger from these types of vicious storms, whether from debris made deadly from high winds, accidental electrocutions from downed power lines, and especially from storm surge and fresh-water flooding, the main cause of hurricane-related deaths. But you can keep yourself safer if you follow a few simple steps. Where are the safest places to be during a hurricane?First, get out of the hurricane’s path. The safest place to be when a hurricane approaches is somewhere else; so you should definitely evacuate when you are told to. Hurricanes are not entirely predictable but they're slow enough that evacuation is usually possible. Don’t be prideful; track storms early and get out of Dodge if you’re in danger. (Information on how to track hurricanes is below.) Go to a designated shelter: Sometimes residents are ordered to shelters as hurricanes approach. If the civic authorities tell you to go to one, do it. An “official” shelter will almost definitely be safer than your house. Stay inside your home. If you haven’t evacuated (whether because you’re stubborn or “shelter in place” orders have been given), stay inside. Hurricanes are powerful, fascinating storms, but resist the urge to go outside and experience them or to try to batten down the hatches once the storm is upon you. It’s too late. Save yourself, not your lawn furniture. Stay away from windows. Don’t look out the windows during a hurricane. The storm’s winds can turn the glass in your windows to flying shards of death in an instant. Go to a small, interior room: The safest part of your house is the middle. You’re trying to avoid the shards of flying glass when your windows are blown in, so an interior room with no windows is your best bet. It could be a hallway, a bathroom, a pantry, etc. Wherever you hunker down, make sure there are no heavy objects above you that could fall. Stay on the lowest floor that isn't the basement: You might think higher ground is the move, but it is not. Avoid the upper floors of your home because the wind is stronger the higher you go, and in severe hurricanes, roofs can be blown off or destroyed by blown debris. Stay on the lowest interior floor that is not likely to flood; but not the basement. Basements can fill quickly during storm surge and are not always safe. Stay in your house even longer: Be patient, and do not be fooled if there is a lull in the storm. You could be in the eye of the hurricane, and the high winds might pick up again. Listen to your radio and wait for local officials to indicate it’s OK to go outside. While there are ways to mitigate risk, being trapped in your house during a hurricane is a potentially deadly situation, and can almost always be avoided if you take some precautions and evacuate when ordered to. Know how emergency alerts for hurricanes workMake sure your phone and backup burner phone are set up to receive Wireless Emergency Alerts (WEA) from FEMA through the Integrated Public Alert Warning System (IPAWS). These are free 90-character texts that local authorities can send to mobile devices within range of any cell towers in an affected area. There’s no need to sign up; just make sure your phones are updated and charged. For more hurricane information, opt in to local public alert systemsNext, do a search for your jurisdiction’s opt-in public alert system. Click here and enter your town, city, or county name + "emergency alerts” to see how you can sign up. It’s not a bad idea to check with your local emergency management or public safety office either. You can also receive alerts and warnings directly from the National Weather Service with a NOAA Weather Radio. Do your best to make sure everyone in the family is able to get warnings and alerts—not just you. Midland WR400 Deluxe Noaa Emergency Weather Alert Radio $74.99 at Amazon Get Deal Get Deal $74.99 at Amazon Emgykit MD319 NOAA Weather Alert Radio with S.A.M.E Localized Programming, 23 County Codes & 80+ Emergency Alerts, Battery Backup, Alarm Clock, External Antenna and Warning Light for Home & Emergency $37.71 at Amazon $49.99 Save $12.28 Get Deal Get Deal $37.71 at Amazon $49.99 Save $12.28 Raynic Emergency Radio, 5000mAh/18500mWh Weather Radio, Solar Hand Crank Radio with AM/FM/SW/NOAA Alert, Cell Phone Charger, Headphone Jack, Flashlight and SOS Siren $35.99 at Amazon $39.99 Save $4.00 Get Deal Get Deal $35.99 at Amazon $39.99 Save $4.00 SEE 0 MORE What is the difference between a hurricane “advisory,” “watch,” and “warning?”Warnings aren’t much help if you don’t know what they mean. Here’s a quick breakdown of hurricane and tropical storm warnings, via FEMA: Hurricane advisory: The National Weather Service (NWS) issues this when they expect a storm to cause significant inconveniences that may be hazardous, but not life-threatening. Hurricane watch: NWS issues this when there is a possible hurricane within the next 48 hours. If you see a watch issued, turn on your NOAA Weather Radio, local radio, TV, or other news source to stay informed. Double check your emergency supplies and go-bag in case you need to hunker down or evacuate. Hurricane warning: The NWS issues this when it expects a hurricane within the next 36 hours. Do everything listed in the “Watch” section, then prepare to evacuate if told to do so. How to prepare for hurricane evacuationIt’s possible local authorities will tell you to evacuate the area, so you need to be prepared to leave at a moment’s notice. Here’s what you need to do to be ready: Have an evacuation plan: Either learn your community’s evacuation plan or develop one of your own using suggested routes via your state’s Department of Transportation or Office of Emergency Management websites. Have a place to go: Inform family or friends who you might be staying with, or locate a nearby emergency shelter location using the FEMA mobile app. Designate a meet-up place for everyone in case you get separated. Prepare your vehicle: Fill up your gas tank, load up your car with basic emergency supplies, and make sure it’s ready to roll out. Grab your go-bag: Everyone in your household should have a go-bag (aka “bug-out bag”) packed and ready. It should include water, non-perishable food, a flashlight, backup power for your phone, a first-aid kit and prescriptions, copies of important documents, a change of clothes, hygiene basics, and anything your kids, seniors, or pets need to get through a few days away from home. Here are more details on what to put in a go-bag. Leave no one behind: Make sure your evacuation plan accounts for everyone in your household, including pets. How to protect your house from a hurricaneIf you have the time before the storm threatens, prepare your home for being battered with high winds, heavy rains, and airborne debris. That means reinforcing doors and protecting windows. All windows, skylights, and sliding glass doors should be covered. Plywood is the cheapest option, but it has to be installed properly. They know a lot about hurricanes in Florida, so here’s the government's guide to proper plywood installation for hurricane preparedness. DO NOT tape your windows in hopes of protecting them. It isn’t very effective and this method can actually create larger, more dangerous shards of glass if they break. How to prepare your yard for a hurricaneOnce you’ve got all openings covered, bring in all loose objects from your yard: patio furniture, garbage cans, bicycles, toys, lawn tools, etc. If something is too big to bring inside, anchor it as best you can outside. Make sure your trees are trimmed to avoid branches smashing into your home. Unplug electronics and be sure to shut off all propane tanks. Last, get your home and property ready for potential flooding. Clean debris out of your gutters and drains, elevate your heating system, water heater, and electric panel, and don’t keep any easily-damaged valuables in the basement or in low areas. What to do after a hurricaneThe danger isn’t over when the winds stop blowing. Here are some things to remember after a hurricane ends. Stay out of floodwater: Don’t walk or drive on a flooded street. Never enter floodwaters—even shallow water can hide electrical hazards and could be rife with dangerous chemicals, human and animal waste, and possibly deadly pathogens. Do not go near damaged buildings: Storm-damaged structures can collapse. Beware of downed power lines: Powerful winds can knock over power lines and power lines can electrocute you. Use generators safely: If you’ve lost power but you have a generator, make sure you know how to use it safely. Make sure your food and water are not contaminated: Throw away food and beverages that have had any contact with floodwater, or smells or looks suspicious. Follow directions of civic authorities: Listen to emergency broadcast radio and be ready to follow the directives of authorities. View the full article

Rumor has it that Palantir Technologies is poised for a stock split. An analyst for RBC Capital Markets recently polled investors, who reportedly indicated a desire for the software company to make such a move. “Retail investors are also largely focused on the potential for a stock split, and although this topic decreased quarter over quarter, it remains the most relevant topic,” analyst Rishi Jaluria stated, according to Investor’s Business Daily. He continued: “With Palantir’s $6 billion cash balance, we think retail investors may be starting to become frustrated by the company’s lack of willingness to return capital to shareholders given no apparent interest in pursuing M&A opportunities.” Splitting the stock would give current shareholders more shares, while allowing new investors in at a lower entry price. While stock splits do not intrinsically change the company’s value, they sometimes generate excitement around a stock among investors who see the new price as being more accessible. Last year saw stock splits from a number of high-profile companies, including Walmart, Chipotle, and Nvidia. Is Palantir planning to split its stock? Palantir has made no indication that it will pursue a stock split. If it did, the decision would be a first for the company, whose valuation and stock price have skyrocketed this year. In 2025 alone, it’s grown over 150%, while the past 12 months have seen it rise more than 321%. Fast Company has reached out to Palantir for comment and will update this post if we hear back. Many people believe that Palantir’s stock is significantly overvalued. Investment firms and analysts have stated that, despite the company’s high earnings, it’s still inflated. Take August’s second-quarter earnings report, which saw a 48% growth in revenue year-over-year to $1 billion. Immediately following it, Palantir’s stock was trading at 100 times its revenue, Morningstar reported at the time. Palantir’s current price-to-earnings (P/E) ratio is around 630. By contrast, tech giants like Meta, Apple, and Amazon all have price-to-earnings ratios of under 40, according to Google Finance data. Palantir will report its third-quarter earnings next Monday, November 3. Disclosure: Joe Mansueto, Morningstar’s founder, owns Fast Company. View the full article

Hurricane Melissa made landfall in Jamaica on Tuesday as a devastating Category 5 storm, tied for the strongest landfalling Atlantic hurricane in history. While the extent of the destruction is not yet known, relief organizations are already mobilizing to help across the northern Caribbean. As is typical in disasters, nonprofit groups told The Associated Press that cash is the best way to help, since unsolicited goods donations can overwhelm already strained systems. Experts recommend using sites like Charity Navigator or the Better Business Bureau’s Wise Giving Alliance to check out unfamiliar charities before donating. Here is some of the work being done and ways to support people impacted by Hurricane Melissa in Jamaica and beyond. Locals supporting locals: United Way of Jamaica The 40-year-old nonprofit has a history of supporting Jamaicans after disasters, especially the country’s farmers. Last year, United Way of Jamaica mobilized help for female farmers hit hard by Hurricane Beryl, helping them replace farm equipment, repair roofs, and pay tuition fees for their kids right as the school year began. The Kingston-based group accepts cash donations. Doubling your dollars: American Friends of Jamaica The AFJ has donated to Jamaican charitable organizations since 1982, supporting education, economic development and health care. Its disaster relief fund helped repair nearly 800 roofs after Hurricane Beryl, according to the group. The New York-based organization’s board of directors is currently matching donations to its Disaster Relief Fund, up to $1 million. Immediate relief and rebuilding: CORE CORE ‘s local staff is already responding in Haiti and will arrive in Jamaica when airports reopen to deliver relief items like hygiene kits and tarps, conduct medical assessments an distribute immediate cash assistance. The group, which was active in Jamaica after Hurricane Beryl in 2024, will also help households remove debris and rebuild homes. The Los Angeles-based nonprofit is accepting cash donations to its Emergency Response Fund. Installing backup power systems: Footprint Project The solar-energy nonprofit supplies communities and first responders with temporary power equipment to aid their response and restore communications. Footprint Project is shipping 150 portable solar and battery power stations from Florida to Jamaica, and deploying mobile microgrid equipment from Puerto Rico and Barbados, working with local partners like Jamaica Renewable Energy Association to ensure the systems are deployed where they are most needed. The New Orleans-based group is accepting cash donations to support staffing and logistics, as well as in-kind donations of “turn-key” renewable power technologies that can be rapidly shipped. Equipment donations can be coordinated through give@footprintproject.org. Transporting cargo for relief groups: Airlink Airlink works with major airlines like United and American, using their underbelly cargo space to move critical aid to disaster zones. It is moving cargo to Jamaica on behalf of 16 NGOs including World Food Programme and Mercy Corps. It will also charter at least two planes to move more goods for its partners, free of charge. The Washington, D.C.-based group accepts cash donations and donations of United frequent flyer miles. Medical aid: Direct Relief The humanitarian organization supports the Caribbean year round with medicines and other supplies, and has delivered more than $3 million in medical aid in the last month to areas now under threat. Direct Relief will support health facilities, many of which it says are in coastal and low-lying areas vulnerable to flooding and power outages. The group also sent 100 field-medic packs for Jamaica’s National Health Fund, and is working with the Pan American Health Organization to preposition supplies for Cuba. The Santa Barbara, California-based group is accepting cash donations and said that all contributions specifically designated for “Hurricane Melissa” will go directly to those efforts. High-quality supply donations: Good360 Good360 connects corporate donors who have surplus, high-quality supplies with nonprofits that need those items. The group has prepositioned supplies at a Florida warehouse and will partner with local groups to deliver what’s needed. It is anticipating demand for generators, tarps and hygiene kits. Good360 is accepting cash donations to support delivery of these supplies. Long-term recovery: Center for Disaster Philanthropy While the immediate needs will be vast, CDP focuses on long-term recovery, an often underfunded aspect of disaster response. The group will give grants to local organizations that are most in tune with the needs, focusing on the most at-risk residents and emphasizing solutions that leave communities better prepared for future climate events. The Washington, D.C.-based organization is accepting cash donations to its Atlantic Hurricane Season Recovery Fund. —— Associated Press coverage of philanthropy and nonprofits receives support through the AP’s collaboration with The Conversation US, with funding from Lilly Endowment Inc. The AP is solely responsible for this content. For all of AP’s philanthropy coverage, visit https://apnews.com/hub/philanthropy. —Gabriela Aoun Angueira, Associated Press View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The Beats Studio Buds are currently $79.95 at Walmart, down from $149.95, making them one of the more affordable pairs of noise-canceling earbuds backed by Apple’s ecosystem. They’re designed to work just as well with Android as they do with iOS, which isn’t always the case for Apple-owned products. The sound profile leans more toward bass (classic Beats tuning), but you still get decent clarity in the mids and highs. They’re not balanced or studio-accurate, but if you listen to pop, hip-hop, or electronic music, that low-end punch can be fun. Beats by Dr. Dre Studio Buds $79.95 at Walmart $149.95 Save $70.00 Get Deal Get Deal $79.95 at Walmart $149.95 Save $70.00 The active noise cancellation (ANC) and Transparency mode are a nice surprise at this price. And while the ANC doesn’t match the precision or adaptability of higher-end models from Sony or Bose, it handles steady low-frequency sounds well enough for commutes or travel (according to this PCMag review, voices and higher frequencies still slip through). Physically, these earbuds are small and light, though the glossy finish can make them tricky to grip when inserting them. Once in place, though, they sit securely and comfortably, helped by three included eartip sizes. Controls are simple: You can play or pause music, take calls, and switch between ANC modes directly from the buds. The only omission is volume control, which still requires reaching for your phone. The Studio Buds are also IPX4 water-resistant, meaning they’ll handle sweat or light rain without issue. Battery life is modest, around five hours with ANC on or eight without, and the charging case adds another 10 to 16 hours depending on usage. That said, there’s no wireless charging, and it comes with a USB-C cable but no adapter, so you’ll need one handy. If you’re not expecting top-tier noise cancellation or audiophile balance, the Studio Buds still cover the basics well. They’re easy to use, small enough to carry anywhere, and deliver strong bass with a decent ANC experience at under $80. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 2 Noise Cancelling Wireless Earbuds — $169.99 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Amazon Fire TV Stick 4K Plus — $29.99 (List Price $49.99) Shark AV2501AE AI XL Hepa- Safe Self-Emptying Base Robot Vacuum — $459.95 (List Price $649.99) Ring Pan-Tilt Indoor Cam, White with Ring Indoor Cam (2nd Gen), White — $59.99 (List Price $99.99) Blink Video Doorbell Wireless (Newest Model) + Sync Module Core — $29.99 (List Price $69.99) Blink Mini 2 1080p Indoor Security Camera (2-Pack, White) — $27.99 (List Price $69.99) Ring Video Doorbell Pro 2 with Ring Chime Pro — $149.99 (List Price $259.99) Introducing Amazon Fire TV 55" Omni Mini-LED Series, QLED 4K UHD smart TV, Dolby Vision IQ, 144hz gaming mode, Ambient Experience, hands-free with Alexa, 2024 release — $699.99 (List Price $819.99) Blink Outdoor 4 1080p 2-Camera Kit With Sync Module Core — $51.99 (List Price $129.99) Deals are selected by our commerce team View the full article

Labour has previously promised it will not raise income tax, employee national insurance or value added tax in BudgetView the full article

It’s rare for a company to give up more than a decade of brand recognizability for a new name. It’s even rarer for said company to trade their name for the name of a younger, less well-known company. But that’s exactly what Grammarly, the writing and grammar assistant tool with 40 million daily active users, is doing. Starting today, Grammarly is rolling out a massive, all-encompassing rebrand to become “Superhuman.” “Naming a company is like naming a kid,” says Grammarly CEO Shishir Mehrotra. “Renaming your 16-year-old is, like, 10 times harder. Swapping the name of your 16-year-old and your 11-year-old is 100 times harder. That’s probably what we’re doing.” Grammarly’s new name is pulled directly from the AI-powered email platform Superhuman, which Grammarly acquired back in January. The swap is intended to signal a new beginning as the brand repositions itself from a writing helper to an all-in-one work productivity tool. Despite the fact that, by Mehrotra’s own admission, Grammarly currently has a “higher brand awareness” than Superhuman, he believes this change is necessary to help consumers buy in on the company’s potential. “The trouble with the name ‘Grammarly’ is, like many names, its strength is its biggest weakness: it’s so precise,” Mehrotra says. “People’s expectations of what Grammarly can do for them are the reason it’s so popular. You need very little pitch for what it does, because the name explains the whole thing . . . As we went and looked at all the other things we wanted to be able to do for you, people scratch their heads a bit [saying], ‘Wait, I don’t really perceive Grammarly that way.’” So . . . what the heck is Superhuman? Grammarly’s transformation into Superhuman is so extensive, even the team behind it has some trouble describing exactly what Superhuman is. To start, here are the basics: Grammarly’s new overarching brand is called Superhuman, but the product at its core is called Superhuman Go. The email app that was once just Superhuman is now Superhuman Mail. From a naming standpoint, it’s definitely confusing. And on the product side, it’s not much easier to grasp what Superhuman actually does. When I asked Collin Whitehead, Grammarly’s head of product and design, to describe Superhuman Go in as few words as possible, he took a full 10 seconds to gather his thoughts. “Essentially, what we’re trying to do is build an agentic platform where users can get the power of AI everywhere that they already work,” he says. For context, Grammarly has been an AI-powered company since its inception in 2009, building a writing and grammar tool that used natural language processing to offer edits to users. Over the past few years, it’s been introducing generative tools that not only improve users’ own words, but help them draft new original text, as well as offering more subjective writing suggestions for better clarity and impact. More recently, Grammarly has embarked on a spending spree to acquire additional AI companies that expand its scope. In December 2024, Grammarly acquired Coda, an AI-powered work platform that’s like a combination of Google Docs, Airtable, and Notion. (Mehrotra actually founded Coda, and became CEO of Grammarly post acquisition). Then, in June 2025, Grammarly also acquired Superhuman. The terms of both deals were undisclosed, but Coda and Superhuman were last valued at $1.4 billion and $835 million, respectively, in 2021. Now, Grammarly is using those new investments to turn Superhuman into a much more all-encompassing work tool. Mehrotra explains it like this: Grammarly has always run on the “AI superhighway,” meaning that, instead of living on its own platform, Grammarly travels with you to places like Google Docs, email, or your Notes app to help improve your writing. Superhuman will use that superhighway to bring a huge new range of productivity tools to wherever you’re working. “We bring AI right to where people work,” Mehrotra says. “The analogy is, we only run one car on that highway, and that’s the one with your high school grammar teacher in it. But the idea is, what if it could be all the different agents and assistants that you would like?” Updating Grammarly to Superhuman Starting today, Grammarly users can turn on Superhuman Go by clicking on the Grammarly icon in their browser and toggling the product on. From there, they’ll get a step-by-step onboarding to Superhuman Go. Users can look through a library of dozens of productivity agents and choose which they’d like to use. Options include a Gmail agent, which can draft and send new messages from any other workspace and summarize insights from emails; a calendar agent that can help schedule meetings from anywhere; and a Reader Reaction agent that can break down the most likely reader responses to whatever you might be working on. Several writing-based agents with the former Grammarly branding will also be available. With so many moving parts, Whitehead says, Superhuman needed a new identity that was versatile enough to introduce users to its capabilities. That started with picking a name. “That is definitely something that we heavily debated,” Whitehead says. “I was leading that naming process, and we were coming up with names that have never existed before; names that were fully abstract and totally made up, but had a nice mouth feel.” The name, he adds, had to be powerful, unique to the user, and human-centric—something that would make the user feel better for having used it. As the abstract naming process continued, nothing was clicking. “Elevating the user was such a key part of the brief that, when we got notice about the potential [Superhuman] acquisition, it was like an earworm—we couldn’t unsee the connection between that Superhuman name and what we were going for,” Whitehead says. Even before acquisition talks were closed, Superhuman kept reemerging as the best brand name for the company. Eventually, Whitehead says, “it became the obvious choice.” The two kinds of AI companies The design agency tasked with bringing Superhuman to life was Smith & Diction, the same team behind the branding for Perplexity AI. Grammarly began briefing the Smith & Diction team on the rebrand in early 2025, but the company didn’t officially select its new name until late June, when the Superhuman acquisition was completed. For Chara and Mike Smith, the couple behind Smith & Diction, that meant there were only about three months to fully realize Superhuman’s branding. In Chara’s experience, there are two kinds of AI companies. The first leans into the idea of automating tasks. Companies in this category have become recognizable for amorphous, abstract branding, like Open AI’s intertwined circles, Google Gemini’s ombre sparkle, or even Perplexity’s own swirling pages (which, Mike says, has given Smith & Diction a reputation for designing the “butthole logo”). The second category of AI companies is centered instead on how the user is in control of the tool, rather than the other way around. “From the beginning, we definitely wanted to sit in that second camp,” Chara says. “Like, you’re the one with the ideas, you’re the one steering the ship. It’s almost like the Iron Man super suit. You put that on, and Iron Man is still in there, guiding it, making the decisions. But Iron Man can do so much more because of this super suit.” It’s obvious that, with its new productivity platform, Grammarly wants to bill itself as an unobtrusive, human-centric tool. Mehrotra says Superhuman should feel “super subtle and invisible.” In essence, it’s an AI helper that’s not out to steal your job, but to help you get better at it. To sell that concept (even to potential AI naysayers), the company needed an extremely friendly, unintimidating brand. To that end, Superhuman’s branding all hinges around one cute icon-slash-mascot named Hero. Hero serves a number of functions for Superhuman, including acting as the brand’s logo and guiding users through the UI experience. Its primary goal, though, is to make Superhuman feel trustworthy. Transforming the Grammarly logo into a Superhuman Hero’s look is essentially Grammarly’s iconic cursor (which looks a bit like a triangle with a chunk missing), topped with a round head. The simple-yet-versatile character can represent an “A” or an “i” (for AI, naturally), a cursor, and a superhero. Where it really comes alive, though, is through animation. “We imagined it kind of taking the place of an explainer video,” Mike explains. When Hero is thinking of an answer, its head bobs; when it’s writing, it turns into ellipses; and when it needs to get your attention, it springs upside down. All of these details might seem small, but Mike says they serve the dual purpose of helping users to understand how to use Superhuman and making the product feel more like an actual assistant. “If your logo is the thing that helps you through the product, then you’re going to build brand equity super quickly,” he adds. To compliment Hero’s personality, Chara and Mike swapped Grammarly’s signature green for a warm palette of purples and maroons—a choice that stands out in a tech branding space saturated with blue and black. The result is a brand that feels both authoritative and warm. “This was a product-first rebrand,” Whitehead says. “It was not about how this shows up on a billboard. This was, ‘How can the user connect with this brand on a more meaningful level?’ The mark itself is intrinsic to the user experience.” “Naming a company is like naming a kid” Logos doubling as mascots are nothing new in the branding space. But, with the exception of the Chinese company DeepSeek, Superhuman is one of the first AI companies to weave this kind of living mark into the user experience. In a moment when fears around the potential misuse of AI tend to dominate the cultural zeitgeist, the approach makes a lot of sense. Still, for a company with as much brand equity as Grammarly, it’s an inherently risky move. There’s always the possibility that moving toward an AI-centric brand narrative invites backlash, considering that companies including Duolingo and Klarna both came under fire this year for touting their “AI-first” approaches. However, the greater possibility is brand confusion, and even the cost of brand equity. Mehrotra says he’s well aware that some customers simply won’t adopt the name “Superhuman” when they refer to the company formerly known as Grammarly. While the Grammarly brand will still exist as an agent within the Superhuman platform, the company is certainly making a calculated trade-off by swapping the brand. “If you think about gaming platforms, there’s many cases where the scale of the game outshines the name of the platform. And that’s totally fine,” Mehrota says. “I think for many people, they’re gonna seek out and install what they perceive to be Grammarly and happen to get Superhuman Go along the way, just like when you know when you want to play Call of Duty and you end up with a gaming console.” View the full article

We may earn a commission from links on this page. There are plenty of reasons to buy shoes at your local running store instead of online or at a big box store, including a more knowledgeable staff and the fact that you’re supporting your local running community. But another biggie is the fact that many will take returns even after you’ve gone for a few runs in your shoes. In case you don’t have a local store with this policy, it’s good to know that some larger brands and online stores will also take returns of lightly worn shoes. Fleet Feet and Running Warehouse are among the bigger stores that offer this perk; some online running shoe stores (like Roadrunner) will include it as part of a membership. But several running shoe brands offer a no-questions-asked return policy themselves, so if you know that you love (say) Nikes, you can buy from the brand directly. Do not feel bad about taking advantage of this policy. The whole idea is that you can trust your body to tell you whether the shoes are working, rather than stressing during a brief try-on about whether you think these shoes will work for you. If you can't help but feel guilty, you can make it up by buying your next new pair of shoes from the same place. They do it because they're trying to win you as a loyal customer. Adidas asks for shoes to be unworn for most returns, but it has a separate policy for its "performance" running shoes, which include all its popular running shoes, from the $65 Runfalcon on up. Altra prominently advertises "30 day trial runs, guaranteed." You'll need a return label but you can get it online for free or at your return location. Altra allows returns "if you are not completely satisfied" during those 30 days. Brooks will accept returns within 90 days, even if you’ve run in the shoes: "Run in it, sweat in it, inside, outside, in the rain—if it doesn’t perform the way it should, send it back." Hoka has a 30-day return policy (60 days for members), even if you've worn the shoes. "Try them out, that's what our 30-day Guarantee is all about." Newton accepts returns within 30 days "for any reason with as much or as little wear and tear on them" as they happen to have. Nike will let you return shoes, even if they’ve been worn, within 60 days of purchase. It refers to the 60-day time as your "trial" period and does not require the shoes to be unworn. There are exceptions, including items purchased at Nike Clearance stores. Please note that policies can change, and that they often vary by country. Customer service staff can sometimes help you out even if you fall outside the official policy, but don't count on it. Still, if you’ve bought shoes, run in them, and weren’t happy, it can’t hurt to ask. View the full article

The Federal Reserve is expected to cut its short-term rate Wednesday for the second time this year despite an increasingly cloudy view of the economy it is trying to influence. The government shutdown has cut off the flow of data that the Fed relies on to track employment, inflation, and the broader economy. September’s jobs report, scheduled for release three weeks ago, is still postponed. This month’s hiring figures, to be released Nov. 7, will likely be delayed and may be less comprehensive when they are finally released. And the White House said last week that October’s inflation report may never be issued at all. The data drought raises risks for the Fed because it is widely expected to keep cutting rates in an effort to shore up growth and hiring. Fed officials signaled at their last meeting in September that they would likely implement rate reductions in October and December, and financial markets now consider a cut in December to be a near-certainty. Yet should job gains pick up soon, the Fed may not detect the change. And if hiring rebounds after weak job gains during the summer, further rate cuts may not be justified. On Tuesday, payroll processor ADP released a new weekly measure of hiring by businesses, using payroll data from millions of clients. It shows that in late September and earlier this month, companies resumed adding jobs, after shedding workers in July and August. Still, a key reason rate cuts are so widely expected is that most Fed officials see its key rate, which is now about 4.1%, to be high enough that it is restraining the economy’s growth. Under this view, the Fed can cut several more times before reaching a level that might provide unnecessary stimulus to the economy. Before the government shutdown cut off the flow of data Oct. 1, monthly hiring gains had weakened to an average of just 29,000 a month for the previous three months, according to the Labor Department’s data. The unemployment rate ticked up to a still-low 4.3% in August from 4.2% in July. Meanwhile, last week’s inflation report — released more than a week late because of the shutdown — showed that inflation remains elevated but isn’t accelerating and may not need higher interest rates to tame it. The government’s first report on the economy’s growth in the July-September quarter was scheduled to be published on Thursday, but will be delayed, as will Friday’s report on consumer spending that also includes the Fed’s preferred inflation measure. Fed officials say they are monitoring a range of other data, including some issued by the private sector, and don’t feel handicapped by the lack of government reports. Also on Wednesday, the central bank may announce that it will no longer reduce the size of its massive securities holdings, which it accumulated during and after the pandemic and after the 2008-2009 Great Recession. The change could over time slightly reduce longer-term interest rates on things like mortgages but aren’t likely to have a major impact on consumer borrowing costs. The Fed purchased nearly $5 trillion of Treasury securities and mortgage-backed bonds from 2020 to 2022 to stabilize financial markets during the pandemic and keep longer-term interest rates low. The bond-buying lifted its securities holdings to $9 trillion. When the central bank buys a Treasury note, for example, it pays for it with newly-created money that is deposited into reserve accounts banks hold at the Fed. In the past three years, however, the Fed has reduced its holdings to about $6.6 trillion. To shrink its holdings, the Fed lets securities mature without replacing them, reducing bank reserves. The risk is if it reduces its holdings too far, short-term interest rates could spike as banks borrow money to top-up their reserves. In 2019, the Fed was reducing its balance sheet and caused a sharp, unexpected spike in short-term rates that disrupted financial markets, an outcome they want to avoid this time. The Fed currently is reducing its holdings of mortgage-backed securities by up to $35 billion a month and Treasuries by just $5 billion a month. Powell said two weeks ago that the Fed would consider ending the rolloff “in coming months,” but analysts now expect it to happen sooner because of recent signs that banks are running low on reserves. —Christopher Rugaber, AP Economics Writer View the full article