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Some important news for million of 23andMe customers, past and present: the genetic testing company notified customers on Sunday, they now have until July 14 to file potential claims as the company navigates Chapter 11 bankruptcy, according to according to TechCrunch. The DNA testing firm, which filed for bankruptcy in March, along with 11 of its subsidiaries, must pay customers as part of its bankruptcy restructuring process. FastCompany has reached out to 23andMe for comment. 23andme, which provided DNA analysis to offer insights into ancestry, health traits, and genetic risks filed for Chapter 11 after it rejected acquisition offers and its market value plummeted in the wake of a massive data breach in 2023. That breach impacted nearly 7 million users by exposing their names, birth years, relationship labels, percentages of DNA shared with relatives, ancestry reports, and self-reported locations, according to TechCrunch. Multiple class action lawsuits followed, as did mass layoffs, staff in-fighting, while its market value plunged from its 2021 peak at $6 billion. How can I file a 23andMe claim? There are three ways 23andme customers can file a claim. If you were a 23andme customer between May 1 and October 1 2023 can file what is known as a Cyber Security Incident Claim if you were also notified by 23andMe that your personal information was compromised in a data breach that was discovered and disclosed by 23andMe in October 2023. Alternatively, customers who suffered financial or other damages due to that 2023 breach can submit a claim as part of the bankruptcy case. Finally, customers who have grievances about the DNA test results or the company’s telehealth services, that don’t directly pertain to the breach, can submit a claim using the General Bar Date Package. If you have more questions about 23andme’s Chapter 11 filing, data privacy, or the deadline to file a proof of claim, view 23andme’s customer support page. View the full article

Government has already cut $2.2bn in funding to university and US president threatened to scrap its tax-exempt statusView the full article

The Consumer Financial Protection Bureau is likely to scratch and rework its open banking rule, at a time when the agency's fate is in doubt. View the full article

As the Class of 2025 graduates into an uncertain and fast-changing working world, they face a crucial question: What does it mean to be successful? Is it better to take a job that pays more, or one that’s more prestigious? Should you prioritize advancement, relationship building, community impact or even the opportunity to live somewhere new? Sorting through these questions can feel overwhelming. I am a business school professor who spends a lot of time mentoring students and alumni in Generation Z — those born between 1997 and 2012. As part of this effort, I’ve surveyed about 300 former undergraduate students and spoken at length with about 50 of them. Through these conversations, I’ve watched them wrestle with the classic conflicts of young adulthood — such as having to balance external rewards like money against internal motivations like wanting to be of service. I recently revisited their stories and reflections, and I compiled the most enduring insights to offer to the next generation of graduates. Here’s their collective advice to the Class of 2025: 1. Define what matters most to you Success starts with self-reflection. It means setting aside society’s noise and defining your own values. When people are driven by internal rewards like curiosity, purpose or pleasure in an activity itself — rather than outside benefits such as money — psychologists say they have “intrinsic motivation.” Research shows that people driven by intrinsic motivation tend to display higher levels of performance, persistence and satisfaction. Harvard Business School professor Teresa Amabile’s componential theory further suggests that creativity flourishes when people’s skills align with their strongest intrinsic interests. The alternative is to “get caught up in society’s expectations of success,” as one consulting alum put it. She described struggling to choose between a job offer at a Fortune 500 company or one at a lesser-known independent firm. In the end, she chose to go with the smaller business. It was, she stressed, “the right choice for me.” This is crucial advice: Make yourself proud, not others. One related principle I share with students is the “Tell your story” rule. If a job doesn’t allow you to tell your story – in other words, if it doesn’t mirror your vision, values, talents and goals – keep looking for a new role. 2. Strive for balance, not burnout A fulfilling life includes time for relationships, health and rest. While many young professionals feel endless pressure to hustle, the most fulfilled alumni I spoke with learned to take steps to protect their personal well-being. For example, a banking alum told me that business once dominated his thoughts “24/7.” He continued, “I’m happier now that I make more time for a social life and paying attention to all my relationships – professional, personal, community, and let’s not forget myself.” And remember that balance and motivations can change throughout your life. As one alum explained: “Your goals change and therefore your definition of success changes. I think some of the most successful people are always adapting what success means to them – chasing success even if they are already successful.” 3. Be kind, serve others and maximize your ‘happy circle’ “Some people believe to have a positive change in the world you must be a CEO or have a ton of money,” another alum told me. “But spreading happiness or joy can happen at any moment, has no cost, and the results are priceless.” Many alumni told me that success isn’t just a matter of personal achievement – it’s about giving back to society. That could be through acts of kindness, creativity, innovation, or other ways of improving people’s lives. A retail alum shared advice from her father: “When your circle is happy, you are going to be happy,” she said. “It’s sort of an upward spiral.” Your “happy circle” doesn’t need to consist of people you know. An alum who went into the pharmaceutical industry said his work’s true reward was measured in “tens of thousands if not millions of people” in better health thanks to his efforts. In fact, your happy circle doesn’t even need to be exclusively human. An alum who works in ranching said he valued the well-being of animals – and their riders – more than money or praise. 4. Be a good long-term steward of your values Success isn’t just about today — it’s what you stand for. Several alumni spoke passionately about stewardship: the act of preserving and passing on values, relationships and traditions. This mindset extended beyond family to employees, customers and communities. As one alum who majored in economics put it, success is “leaving a mark on the world and creating a legacy that extends beyond one’s quest for monetary gain.” One alum defined success as creating happiness and stability not just for herself, but for her loved ones. Another, who works in hospitality, said he had a duty to further his employees’ ambitions and help them grow and develop – creating a legacy that will outlast any title or paycheck. In an analysis by the organizational consulting firm Korn Ferry, Gen Z employees were found to be more prone to burnout when their employers lacked clear values. These findings reinforce what my students already know: Alignment between your values and your work is key to success. Final words for the Class of 2025 To the latest crop of grads, I offer this advice: Wherever life takes you next — a family business or corporate office, Wall Street or Silicon Valley, or somewhere you can’t even imagine now — remember that your career will be long and full of ups and downs. You’ll make tough choices. You’ll face pressures. But if you stay grounded, invest in your well-being, celebrate your happy circle and honor your values, you’ll look back one day and see not just a job well done, but a life well lived. Bon voyage! Patrick Abouchalache is a lecturer in strategy and innovation at Boston University. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article

We may earn a commission from links on this page. When I bought my first robot vacuum, I thought my floors would thereafter be effortlessly spotless—endlessly patrolled by a 24/7 custodian, with absolutely no work required on my part. Today, there are never less than three robot vacuum cleaners installed in my small home at any given time. And yet I am definitely not doing nothing to keep my floors clean. While I’m certainly doing less daily upkeep, I would not say my floors are spotless, nor that I have been alleviated of all floor-related housework. Here’s what I wish I’d known about what robot vacuums can and can't do, and how much human effort they require. Roborock S8 MaxV Ultra Robot Vacuum and Mop $1,799.98 at Amazon Shop Now Shop Now $1,799.98 at Amazon Narwal Freo Z Ultra Robot Vacuum and Mop $1,499.99 at Amazon /images/amazon-prime.svg Shop Now Shop Now $1,499.99 at Amazon /images/amazon-prime.svg 3i S10 Ultra Robot Vacuum and Mop $1,399.99 at Amazon $1,899.99 Save $500.00 Shop Now Shop Now $1,399.99 at Amazon $1,899.99 Save $500.00 Saros 10 Robot Vacuum and Mop $1,599.99 at Amazon /images/amazon-prime.svg Shop Now Shop Now $1,599.99 at Amazon /images/amazon-prime.svg Saros 10R Robot Vacuum and Mop $1,618.98 at Amazon /images/amazon-prime.svg Shop Now Shop Now $1,618.98 at Amazon /images/amazon-prime.svg Narwal S20 Stick Mop $499.99 at Amazon /images/amazon-prime.svg Shop Now Shop Now $499.99 at Amazon /images/amazon-prime.svg SEE 3 MORE You'll have to rearrange your furniture The Freo Z navigating around an air purifier on the floor Credit: Amanda Blum When you hire someone to clean your home, you typically don’t move furniture around yourself to make their job easier,. For your robot vacuum, you might have to. While these robots have gotten much better at navigation, the less there is on the floor, the easier it will be for them to clean. Each table leg, chair and floor lamp is another obstacle to be worked around, and it’s worth knowing that most robots can’t get as close to table legs and floor lamps as you would be able to with a stick vacuum. Nor can they move a piece of furniture aside to get under it. As such, you will have to make some changes to your floor plan if you want to make the most of your new robot friend. More important than furniture relocation is the trend of having less on the floor, generally. If you like to let a laundry pile accumulate, have potted plants or a stack of books, you’ll end up relocating those items to give your robot better access. Corded items are particularly tricky, so the less cords on the floor, the better. Over time, I’ve learned to suspend the cords from the wall, and keep them wound as much as possible so nothing trails on the floor. I was recently quite impressed with the Roborock 10R, which relied solely on AI assisted cameras. The navigation skills of the robot were great, allowing it to venture into tight and low spaces that other robots hadn't. Robot vacuums can't clean near their docks the robot can't navigate around the Eureka tower, so debris accumulates around it Credit: Amanda Blum It's an unsurprising fact that robot vacuums can only clean where they can reach. Where they can’t reach, you’ll still see dirt and debris. All robot cleaners have a dock of some sort, and many now come with self emptying towers, which usually work exceptionally well at emptying the robots of dirt so you don’t have to do it manually. Given all of this automation, it's a bit ironic that the dirtiest place in your home might well be right around the tower or dock itself. As these towers are usually tucked into a corner or small space, detritus can easily accumulate around them, but the robot can’t move around the tower to clean it up. As the robot returns to the dock, it sweeps dirt with it, and it all eventually winds up at the foot of the tower. This Roomba can't navigate into the small space underneath this plant stand, so instead it just kicks debris into the space. Credit: Amanda Blum Only the latest robots (like the 3i S10 Ultra) are at all good at cleaning around the base of pieces of furniture and thresholds between rooms. With most robots, you'll usually still find a band of dust and grime against the wall and around any items that the robot can’t easily clean. And then there are all the spaces too narrow or too low for the robot to slide into. While a few robots, like the Narwal Freo Z, have a fluffy pad that’ll occasionally rub against the base board to dust it, they don't do any real cleaning, so you’ll need to clean your baseboards manually, too. Again, you can rearrange your space to allow the robot more autonomy by making sure any spaces you want to be cleaned allow clearance of at least 1.5 times the width of the robot, and enough vertical height that the robot can reach it. This is always going to be a bit of a losing game, however, which is why I still have a stick vacuum I use to quickly suck up debris from narrow spots the robot can’t reach, the corners and edges that the robot can get close enough to, and against the wall and thresholds. Robots are best at vacuuming up only certain types of debrisThe same way you might organize before a visit from a cleaning professional, you’ll find yourself pre-sweeping for your robot. While robots are reliable at getting up dust and small detritus like rice or cereal, they’re not great at large debris, which means anything larger than a standard dice cube. Pieces of mulch, pet toy fluff, kitchen scraps, bobby pins, and pocket change will all get caught in a robot's rollers and need to be fished out. Pre-sweeping is a way to avoid that annoying task by getting up larger items of debris and leaving the rest for the bot. (But once again allow me to praise the 3i S10 Ultra, which has excelled at vacuuming up larger debris than any other robot vacuum I'd ever tested.) Even if your robot vacuum has a mop, you'll need to mop manually This Roborock is starting to get up the muddy pawprints, but it takes many passes Credit: Amanda Blum Most robot vacuums are now combo vacuums and mops.Some models are great at mopping—sometimes even better than they are at vacuuming. The docking tower empties the mop of dirty water, fills it with clean water, and sanitizes everything afterward. With the combined functions of vacuuming and mopping your floors will surely be clean, right? Not necessarily. Robot mops are great at cleaning up surface spills. What they’re less good at is scrubbing away stains and compound floor messes like mud or spilled food. While most robots can mostly get muddy paw prints up after a number of passes, doing so requires a lot of water, battery life, and time, and I’ve yet to find a single robot mop that is good at getting grime out of tile or wood floors. The robot simply can’t put enough pressure on the mop to really scrub the floor. For these reasons, you’ll need to keep an old-fashioned mop around, and you should expect to have to give the floor a good, hardy mop every few days and use real elbow grease to get out grime. Once the floor is clean, repeated patrols by the robot mop can help stave off new grime deposits, but they’re inevitable, so don’t assume your mopping days are over. If mopping is your priority, I recommend highly Roborock models that have a singular vibrating mop pad, versus twin spinning mops. The Roborock S8 MaxV Ultra remains one of my top recommendations. Robot vacuums are slowWith most robot vacuums working with voice assistants like Google, Alexa, or Apple, its well within the realm of possibility to simply ask the robot to “clean up around the high chair” after dinner (presuming you’ve set up a zone around the high chair, and it is always in the same approximate spot). If you’ve got such a routine set up, the robot will begin whatever pre-deployment practices it has, whether that’s filling the water resivior or orienting or cleaning the mop head, and eventually will amble over to the intended spot and proceed to take its time cleaning. Though still not particularly fast in getting to the spot you pin, Roborock's Pin and Go feature allows you to quickly place a pin on your floor map and the robot will proceed immediately to that spot to clean. This feature is available on all premium Roborock models, including the latest Saros 10 and 10R. Roborock lets you put a pin on the map for the robot to proceed to Credit: Amanda Blum If you’ve got the time to spare, great. But if your kid spills a cup of orange juice on the floor, you might not be willing to wait the five to 10 minutes it will take the robot to get to the spot in question and start cleaning when you could grab a mop or towel and be done in under a minute. For that reason, I'm still happy to have a Narwal S20, a newer model stick mop I can quickly grab, mop as needed, and then put back on the dock, all without having to get my hands dirty. Robot vacuums occasionally require human interventionRobot vacuums can range wildly in price (from $200 to $2,500) and quality, and they are getting more intelligent and feature-rich all the time. Robots that have AI on board can actually learn about your home and get better at cleaning it over time. Despite all of that, however, your robot will need your intervention more than you’d like. Depending on how good a model you own, you will likely need to routinely unclog the rollers (the most common robot vacuum maintenance task). Your robot will also get stuck—sometimes because there is a new obstacle for it to navigate around, like a waylaid toy or sock, or a loose cord under the couch the robot gets stuck on it. Sometimes, it will simply gets lost. The bottom line is, even the best robots can’t be left on their own for weeks at a time. Most will require a human around eventually to get them back to the dock, clear the rollers, unclog it any clogs in the mopping system, and/or change the water in the dock. If all of this hasn't scared you away from getting one, your goal should be to choose a robot that matches your home and needs, and that enough features that you won't be following it around every day, making sure it does its job. View the full article

Commitments come as Donald The President begins first leg of three-nation tour of oil-rich GulfView the full article

Following its initial reveal early last month, Nintendo has been drip-feeding announcements about the Switch 2, and two announcements recently posted to the Nintendo Today app are especially exciting. The company revealed that your Switch 2 will have a feature that can limit charging speeds once it hits around 90%, in order to reduce battery degradation. But perhaps more exciting, especially for parents or kids with nosy siblings, is that you'll be able to use a PIN to lock your Nintendo Switch 2. Set charging limits on Nintendo Switch 2 Credit: Nintendo In a feature similar to the 80% charge limit on iPhones, Nintendo Switch 2 will optionally let you stop charging the device once the battery reaches around a 90% charge. This could help reduce battery degradation on your Switch 2, which could stave off repairs in the future. That said, the settings page mentions that your Switch 2 may still occasionally charge to 100% to ensure accurate display of the console's battery level. Once you have your Switch 2, you can enable this feature by going to Settings > System > Stop Charging Around 90%. This is a great feature when you consider that many people will near permanently leave their Switch 2 in docked mode. Lock your Switch 2 with a PIN Credit: Nintendo Got someone in your house that you don't trust with your console? The good old PIN lock is finally coming to the Nintendo Switch 2. The default screen lock on the original Nintendo Switch would require you to press a button thrice to unlock the console, which wasn't great for security. With the Switch 2, you can lock the console with a PIN, which is better for those who want to stop people from using their console without permission. To enable a screen lock on your Switch 2, go to Settings > System > System Lock and enable the feature. This means that you'll have to enter a PIN every single time you wake the Switch 2 from sleep mode. Such is the price of improved security. Personally, the slight inconvenience is worth it for me, and I'm sure any parents with kids who are always trying to sneak in extra screen time would agree. View the full article

Five American small businesses will ask a U.S. court on Tuesday to halt President Donald The President’s “Liberation Day” tariffs, arguing the president overstepped his authority by declaring a national emergency to impose across-the-board taxes on imports from nations that sell more to the U.S. than they buy. Tuesday’s hearing before a panel of three judges at the New York-based U.S. Court of International Trade will be the first major legal test of The President’s tariffs. The lawsuit was filed by the nonpartisan Liberty Justice Center on behalf of five small U.S. businesses that import goods from countries targeted by the tariffs. The companies, which range from a New York wine and spirits importer to a Virginia-based maker of educational kits and musical instruments, say the steep “Liberation Day” tariffs that The President imposed on April 2 are illegal and will hurt their ability to do business. Small businesses are being harmed by the threat of increased costs, as well as “minute by minute changes” that prevent them from planning ahead, said Jeffrey Schwab, an attorney representing the plaintiffs. “Our clients have no certainty on what the tariffs are going to be at any point, and that’s exactly the problem,” Schwab said. “One person shouldn’t have unilateral authority to impose tariffs on every country at any rate, at any time that he wants.” The Liberty Justice Center’s lawsuit is one of seven court challenges to The President’s tariff policies, and it is the first to seek a ruling that would stop the tariffs from moving forward. The Court of International Trade previously rejected the small businesses’ request to temporarily pause the tariffs while their lawsuit went forward, but then quickly scheduled Tuesday’s court hearing to decide whether to rule against the tariffs or impose a longer-term pause. The President imposed the new tariffs on April 2, saying the U.S. trade deficit was a “national emergency” that justified a 10% across-the-board tariff on all imports, with higher tariff rates for countries with which the U.S. has the largest trade deficits, particularly China. Many of those country-specific tariffs were paused a week later, and on Monday the The President administration said it was also temporarily slashing the steepest China tariffs while working on a longer-term trade deal with Beijing. Both countries agreed over the weekend to cut tariffs on each other for at least 90 days. The President’s on-and-off-again tariffs have shocked U.S. markets, but he has justified them as a way to restore America’s manufacturing capability. The president’s executive order announcing the tariffs invoked laws including the International Emergency Economic Powers Act, which gives presidents special powers to combat unusual or extraordinary threats to the U.S. The Liberty Justice Center said the law does not give the president the authority to unilaterally impose tariffs “on any country he chooses at any rate he chooses.” The law is meant to address “unusual and extraordinary” threats, and the U.S.’ decades-long practice of buying more goods than it exports does not qualify as an emergency that would trigger IEEPA, according to the lawsuit. The U.S. Department of Justice has argued that IEEPA gives presidents broad authority to regulate imports in response to a national emergency. It has said that the plaintiffs’ lawsuit should be thrown out, because they have not been harmed by tariffs they have not yet paid, and because only Congress, and not private businesses, can challenge a national emergency declared by the President under IEEPA. The DOJ did not immediately respond to a request for comment Monday. —Dietrich Knauth, Reuters View the full article

US tariff uncertainty prompts luxury-car maker to hold back on giving profitability forecastView the full article

Agricultural sectors are ‘front of the line’ in ongoing trade talks, says The President’s agriculture secretaryView the full article

A few weeks ago, I posted a story about the proliferation of AI-created fake news videos about Press Secretary Karoline Leavitt. Because I am fair (and balanced!), this week I'm looking at the AI distortion of a hero from the left: Dallas-based congressperson Jasmine Crockett. The real Crockett is sharp, confrontational, and isn't afraid to curse people out. AI-Jasmine Crockett is a folk hero who spends her life STUNNING, DESTROYING, and OBLITERATING various talk show hosts, actors, and political opponents. She took on Bill Maher, humiliated Seth Meyers, made Ellen DeGeneres regret insulting her, and still had time to have a judge arrested. On YouTube. The real Jasmine Crockett is a political figure, but I don't think these fakes are propaganda exactly. They aren't political misinformation in the way we usually understand it. No one is trying to convince anyone to vote a certain way or write a letter to Congress. It's stranger than that. It's a flood of algorithm-driven cultural wish fulfillment in which computers make videos to satisfy some deeply rooted, tribal emotional need. I'd like to think most people recognize that these videos are fake (they're not faked very well) but there wouldn't be so many of them if they didn't work. Jasmine Crockett STUNS Jimmy Kimmell—and Bill Maher, Seth Meyer, Ellen Degeneres, and everyone else The video below describes an imaginary confrontation between talk show host Jimmy Kimmel and Jasmine Crockett. For comparison, here's what really happened when Crockett was a guest on Kimmel's show: As you can see, at no point was Kimmell STUNNED or HUMILIATED, and Crockett did not refer to the host as a "f*cking weasel" even once. ("F*cking weasel" is the go-to thumbnail insult on these videos, for some reason.) The real video has been viewed 3.1 million times in 10 months. The fake has a view count of more than 600k in three weeks, but that's not a fair number, because there are dozens, maybe hundreds, of AI-created videos entitled "Jasmine Crockett Stuns Jimmy Kimmel on Live TV with a Savage Comeback—Audience Left in Shock!" on YouTube and other video sites. Some have 100k views, some have less than a thousand views, so there may be as many people watching the fake appearance as the real one. If the idea was to influence American politics, to "own conservatives," or something, Jimmy Kimmel is a strange choice for Crockett's opposition. He's not a conservative. But the politics only function as bait to be clicked, and Jimmy and Jasmine are emotional buzzers, not people. Viewers have strong feelings about them, so a video with Crockett and Kimmel in conflict hits recommendation pay dirt. Developing videos titles for this breed of AI slop is like political Mad Libs, but it's an easy-to-understand formula: The subject is a controversial media figure, the predicate is a verb that could describe both physical violence or rhetoric, and the object is a media figure. Close it off with a button and you got a YouTube AI political video. The result are titles like these (that I made up): Matt Gaetz CRUSHES Rachel Maddow Live on MSNBC—She's Going Off the Air! AOC BALL-KICKS Tucker Carlson onto his fainting couch—That's gotta HURT! RFK Jr. MELANCHOLIES Brian Kilmeade With a Haunting Stare—Audience SHOCKED! Angela Davis FLAME THROWS Dick Cavett's Sitting Room Liberalism Into an Afro-Futurist Death Spiral: "YOU GOT DIALECTICALLY DESTROYED!" (That last one probably wouldn't get many hits, but the thumbnail would look like this): Credit: Stephen Johnson/Sora The point is: AI slop-makers will have anyone fight anyone, regardless of political affiliation. Crockett has STUNNED Seth Meyer, Stephen Colbert, Tucker Carlson, Bill Maher, and Jon Stewart. But so, roughly, has Caroline Leavitt. For some reason, so has Denzel Washington. You might be wondering who would be DESTROYED if the queens of AI slop, Karoline Leavitt and Jasmine Crockett, were to face off, maybe to debate why they both have two Ts at the end of their name when so many names go without any Ts at all. The answer: Karoline Leavitt would ERUPT, but Jasmine Crockett would be STUNNED. The videos themselves are secondary to their titles, and they're all terrible. They're uniformly slow-paced (longer videos lead to longer engagement time, a key YouTube metric) and the content is strangely tame, given the titles. Just a droning AI voice telling a boring story for half an hour over a single still frame of the video's subjects. It's only interesting when the AI screws up and gives someone extra fingers or mistakes Bill Maher for Chuck Schumer. Regardless of the low quality, sometimes one of these AI-developed videos hits the the YouTube recommendation sweet spot and gets some traffic. There's no honor among thieves on social media, so many, many channels that produce this shit (Valorium Story, Gentry Stories, Battle Arena, etc., etc.) swarm like flies to rip off any mildly "sticky" title, and post roughly the same content, generally with diminishing returns in terms of views. It's ridiculously easy and inexpensive to set up an automated content farm. Whether you'd make back the $100 a month or so in software subscriptions you'd need to create these videos is an open question, but I guess people have to hope. What are viewers getting out of these videos?Although these videos almost always have a quick disclaimer screen explaining that they're fake or "parody," judging by the comments, people are taking them seriously. "This young lady's education as a lawyer was not in vain!!! She's amazing!!!" one reads. "Those who voted for Ms. Crockett did so with unwavering confidence in her, and she delivers making us proud that she will challenge injustice without pause!" reads another. But are the comments fake, too? Is this just AI commenting on videos made by AI, the Dead Internet Theory coming true in real time? Man, I don't even know. It's easier to make fake comments on YouTube than it is to fake a whole video, but I still assume that, at the end of the conveyor belt, there are actual viewers slumped over their phones, thinking (or doing whatever passes for "thinking" these days) about Jasmine Crockett. Something is shaping this narrative, and it feels depressingly human. You can't blame computers for videos like "Jasmine Crockett LOSES IT As Elon Musk Confronts Her to Her FACE!" That's on us, baby. We want to watch endless videos of our perceived tribal enemies being HUMILIATED, DESTROYED, STUNNED, and FORCE-CHOKED, maybe because we like carnage, or maybe because we want to feel like we belong to something, that somewhere, Justice is jumping off the top rope, ready to SUPLEX, STUN, and OBLITERATE the people who annoy us. And if we can't find enough of the real thing to get that little jolt of spite-flavored dopamine, we'll make computers fake it for us. View the full article

UnitedHealth CEO Andrew Witty is stepping down for personal reasons and the nation’s largest health insurer suspended its full-year financial outlook due to higher-than-expected medical costs. Chairman Stephen Hemsley will become CEO, effective immediately, the Minnesota company said. Hemsley was UnitedHealth Group CEO from 2006 to 2017. He will remain chairman of the company’s board. Witty will serve as a senior adviser to Hemsley. “Leading the people of UnitedHealth Group has been a tremendous honor as they work every day to improve the health system, and they will continue to inspire me,” Witty said. Witty joined the company in 2018 after serving about nine years as CEO of the British drugmaker GlaxoSmithKline. He was named UnitedHealth’s CEO in February 2021, replacing Dave Wichmann. UnitedHealth became one of the nation’s largest companies under Witty’s leadership. Total revenue topped $400 billion last year, a 55% increase from the $257 billion UnitedHealth brought in the year before Witty became CEO. Shares of UnitedHealth rocketed higher under Witty, up 60.5% since he took the company’s top job. Yet in the past five months, that stock performance reversed sharply, coinciding with the fatal shooting of company executive Brian Thompson in front of a New York City hotel late last year. The company has wrestled with the media attention focused on Luigi Mangione, who was indicted last month on a federal murder charge in the killing of Thompson. The case has captured the American imagination, setting off a cascade of resentment and online vitriol toward U.S. health insurers while rattling corporate executives concerned about security. UnitedHealth cut its 2025 forecast last month following its first quarterly earnings miss in more than a decade. Shares of UnitedHealth, which have plummeted 38% since the deadly Dec. 4 ambush of Thompson in midtown Manhattan, fell 9% before the opening bell on Tuesday. UnitedHealth said Tuesday that it suspended its 2025 outlook as medical costs of many Medicare Advantage beneficiaries new to UnitedHealthcare were higher than expected. “To all stakeholders, including employees and shareholders, I’m deeply disappointed in and apologize for the performance setbacks we have encountered from both external and internal challenges,” Hemsley said during a conference call. “Many of the issues standing in the way of achieving our goals as well as our opportunities are largely within our control. I am optimistic about our future as these issues are within our capacity to resolve. We will approach them with humility, rigor and urgency.” More than 50 million people have health insurance under UnitedHealth Group Inc. It also has a large pharmacy benefit manager that runs prescription drug coverage and a growing Optum segment that delivers care and provides technical support. UnitedHealthcare is the nation’s largest provider of Medicare Advantage plans, with more than 8 million customers. Those are privately run versions of the federal government coverage program mostly for people ages 65 and older. AP Health Writer Tom Murphy contributed to this report. —Michelle Chapman, AP Business Writer View the full article

Labour critics express concern about ‘chasing the tail of the right’ after migration announcementView the full article

In a draft version of the tax bill released on Monday, House Republicans highlighted the president's populist priorities in a package that would enact those cuts through 2028. View the full article

Key Takeaways Diverse Opportunities: The agricultural sector presents numerous business ideas, such as organic farming, aquaponics, and value-added products, catering to a growing market for sustainable and locally sourced goods.Focus on Sustainability: Entrepreneurs are encouraged to develop eco-friendly practices and products, aligning their ventures with the increasing consumer preference for health-conscious and environmentally-friendly options.Importance of Market Research: Conducting thorough market research is vital to understand consumer demands, identify market gaps, and refine business ideas, ensuring alignment with current trends in agriculture.Business Planning and Funding: Developing a solid business plan and exploring various funding options are essential steps for starting and sustaining an agricultural venture, helping entrepreneurs navigate challenges and opportunities.Adapting to Challenges: Being aware of challenges such as climate impact, market fluctuations, and regulatory compliance allows agricultural businesses to implement strategies that enhance resilience and maintain profitability. In today’s fast-paced world, the agricultural sector offers a wealth of opportunities for aspiring entrepreneurs. With a growing demand for sustainable and locally sourced products, now’s the perfect time to dive into innovative agricultural business ideas. Whether you’re a seasoned farmer or just starting out, there’s a niche waiting for you. From organic farming to aquaponics, the possibilities are endless. You can tap into the rising interest in health-conscious eating and eco-friendly practices. By exploring these ideas, you can not only contribute to a healthier planet but also create a profitable venture that aligns with your passions. Let’s explore some exciting agricultural business ideas that could pave the way for your success. Overview of Agricultural Business Ideas Exploring agricultural business ideas offers numerous avenues for small business entrepreneurs. With a focus on sustainability and local sourcing, you can tap into the growing market demand for healthy and eco-friendly products. Here are several viable options: Organic Farming Organic farming caters to the health-conscious consumer. You can grow fruits and vegetables without synthetic fertilizers or pesticides. This business idea aligns with increasing demand and can yield high profit margins. Aquaponics Aquaponics combines fish farming and plant cultivation. It maximizes space and resources, appealing to urban markets. This innovative approach represents a sustainable method of food production. Farmers’ Markets Setting up a stall at local farmers’ markets fosters direct connections with customers. You can sell organic produce, homemade goods, or artisanal products, thus building a brand and gaining loyal clientele. Agricultural Technology Offering tech solutions for farming, such as precision agriculture tools, can attract venture capital. Researching market needs helps you design products that enhance efficiency and yield. Community Supported Agriculture (CSA) Implementing a CSA model allows consumers to buy shares of your harvest. This approach builds community engagement and guarantees upfront funding for your startup. Value-Added Products Creating value-added items like jams, sauces, or dried fruits increases your sales potential. You can focus on branding and marketing to differentiate your products. Conducting thorough market research helps identify your target audience and informs your business model. Working on a solid business plan, securing funding, and understanding the legal structure—whether an LLC, sole proprietorship, or corporation—essentially sets your foundation. Networking with agricultural experts and utilizing business incubators might also enhance your startup’s growth strategy. Consider digital marketing strategies, including SEO and social media, to reach a broader customer base. Proper accounting practices and knowledge of taxes will ensure your agricultural venture remains financially viable. Each of these agricultural business ideas provides an opportunity for innovation, sustainability, and profitability. Types of Agricultural Business Ideas Explore various agricultural business ideas that cater to the evolving market. These ideas present opportunities for aspiring entrepreneurs to enter a profitable sector aligned with sustainability and community needs. Crop Farming Opportunities Organic Farming: Engage in organic farming by growing crops without synthetic fertilizers or pesticides. This method meets the rising demand for healthy produce among consumers seeking eco-friendly options. Ensure compliance with certification regulations to enhance marketability. Vertical Farming: Consider vertical farming that uses stacked structures to maximize space in urban areas. By reducing transportation costs, you deliver fresh produce directly to consumers, enhancing freshness and flavor. Hydroponic Farming: Implement hydroponic farming techniques that utilize nutrient-rich water solutions. This method promotes efficient water use and delivers high-quality yields faster than traditional farming methods. Dual Crop Farming: Explore dual crop farming through mixed cropping or intercropping methods. This strategy maximizes yield and mitigates risks related to adverse conditions, helping to stabilize your business income. Livestock Farming Ventures Free-Range Poultry: Consider raising free-range poultry for higher demand in ethically sourced meat and eggs. This approach appeals to health-conscious consumers and can enhance your brand through sustainable practices. Aquaculture: Engage in aquaculture by cultivating fish and other aquatic organisms. This venture contributes to food security while offering sustainable options for protein sourcing. Dairy Farming: Explore dairy farming opportunities by producing milk, cheese, or yogurt. By investing in quality breeding and technology, you can develop a strong product line to cater to consumer preferences. Beekeeping: Consider beekeeping as a sustainable business idea, producing honey and other bee-derived products. This venture supports pollination efforts while providing unique value to your offerings. Agribusiness Technology Innovations Precision Agriculture: Implement precision agriculture technology that utilizes data analytics to optimize farming practices. This innovation enhances resource efficiency, reducing costs and increasing profit margins. Agricultural Apps: Develop agricultural apps that provide farmers with tools for farm management, market research, and customer engagement. These solutions help streamline operations and improve customer acquisition strategies. E-commerce Solutions: Set up an e-commerce platform to market products directly to consumers. Use digital marketing techniques, including SEO and social media, to reach a broader target audience and enhance sales. Farm Management Software: Invest in farm management software to track expenses, manage finances, and plan growth strategies. These tools offer crucial insights for decision-making and boost overall business efficiency. Align your business idea with the current trends in the agricultural sector. Conduct thorough market research and develop a solid business plan to navigate funding options and business registration. Starting Your Agricultural Business Starting an agricultural business involves several strategic steps to ensure success. Each step focuses on foundational elements that will shape your venture. Conducting Market Research Conducting thorough market research helps you identify consumer preferences and market gaps. Explore trends in sustainable and locally sourced products. Analyze your target audience’s demands and buying behaviors. Use surveys, focus groups, and existing market reports to gather data. Understanding your competition and their offerings can refine your business idea and strengthen your market position. Developing a Business Plan Developing a solid business plan outlines your vision, goals, and strategies. Include an executive summary, market analysis, marketing strategies, and financial projections. Specify your business model, whether it’s a sole proprietorship, LLC, or corporation. Address potential challenges and risks while detailing your growth strategy. This plan serves not only as a roadmap for your business but also as a vital tool in attracting funding and partnerships. Securing Funding and Resources Securing funding and resources fuels your startup’s growth. Explore various funding options, including angel investors, business grants, and crowdfunding. Consider bootstrapping or seeking venture capital for larger aspirations. Ensure you understand the financial aspects, such as cash flow, budget management, and profit margins. Proper financial planning sets the stage for your startup’s sustainability. Research local agricultural grants and programs that support new businesses in your sector. Challenges in Agricultural Business Every agricultural business faces challenges that can impact your operations, profitability, and growth potential. Weather and Climate Impacts Weather unpredictability and climate change significantly influence agricultural outcomes. Droughts, floods, and pests can damage crops, leading to financial losses. Implementing adaptive strategies, such as diversifying crops and utilizing irrigation systems, can mitigate some risks. Employing technologies like precision farming can enhance resilience in production. Market Fluctuations Market fluctuations affect pricing and demand for agricultural products. Prices can vary due to seasonal changes or supply chain disruptions. Conducting thorough market research helps you stay informed about trends and adjust your pricing strategy accordingly. Establishing a solid business plan that accounts for potential market shifts can guide your financial decisions and planning. Regulatory Compliance Complying with local, state, and federal regulations is essential for your agricultural business. Understanding permits, licenses, and labeling requirements associated with food safety is necessary. Seeking legal advice early ensures you establish the appropriate legal structure—whether as an LLC, corporation, or partnership. Compliance helps you avoid fines and maintain your business’s integrity while protecting your intellectual property, like trademarks, or patents related to your unique products. Conclusion Exploring agricultural business ideas can be both fulfilling and profitable. By tapping into the growing demand for sustainable practices and local products, you can create a venture that resonates with today’s consumers. Whether you choose organic farming or innovative technologies, the possibilities are vast. Remember to conduct thorough market research and develop a solid business plan to guide your efforts. Embrace the challenges that come with this industry, and stay adaptable to changes. With determination and the right strategies, you can build a successful agricultural business that contributes positively to your community and the environment. Your journey in agriculture could be the key to a healthier planet and a thriving enterprise. Frequently Asked Questions What are some innovative agricultural business ideas? Innovative agricultural business ideas include organic farming, aquaponics, vertical farming, and eco-friendly livestock options like free-range poultry. Creating value-added products, utilizing agricultural technology, and engaging in Community Supported Agriculture (CSA) are also great ways to tap into the market for sustainable products. Why is now a good time to start an agricultural business? The rising demand for sustainable and locally sourced products makes now an ideal time to start an agricultural business. Consumers are increasingly looking for health-conscious options, which allows entrepreneurs to create profitable ventures that also contribute to environmental sustainability. How do I conduct market research for an agricultural business? To conduct market research, analyze consumer preferences, identify market gaps, and study competitors. Use surveys, focus groups, and online tools to gather data. Understanding local demand and trends will help you tailor your business idea effectively. What should I include in my agricultural business plan? Your agricultural business plan should include an executive summary, market analysis, marketing strategies, operational plans, and financial projections. A solid business plan sets a clear direction and helps secure funding while outlining your goals. How can I secure funding for my agricultural venture? Funding options for agricultural businesses include angel investors, business grants, and crowdfunding platforms. You can also explore loans from banks or agricultural development organizations. A well-prepared business plan will help attract potential investors. What challenges might I face in the agricultural business? Challenges in agriculture include weather unpredictability, climate change, market fluctuations, and regulatory compliance. Implementing adaptive strategies such as crop diversification and keeping up with legal requirements can help mitigate these risks. How can technology improve my agricultural business? Technology can enhance agricultural efficiency through precision farming, farm management software, and e-commerce solutions. These innovations help streamline operations, reduce waste, and improve productivity, ultimately leading to higher profitability. What are Community Supported Agriculture (CSA) models? Community Supported Agriculture (CSA) models connect consumers directly with farmers. Members subscribe to receive regular deliveries of fresh produce, fostering local community engagement while providing farmers with stable cash flow and reduced market risks. How do I market my agricultural products effectively? Effective marketing strategies include utilizing digital marketing techniques, social media platforms, and participating in local farmers’ markets. Building customer relationships and showcasing your sustainable practices can also attract health-conscious consumers. What role does networking play in starting an agricultural business? Networking with agricultural experts, local farmers, and business incubators can provide valuable insights, resources, and support for your agricultural business. Collaborating with others in the industry enhances growth strategies and opens new opportunities. Image Via Envato This article, "Innovative Agricultural Business Ideas for Sustainable Success" was first published on Small Business Trends View the full article

Key Takeaways Diverse Opportunities: The agricultural sector presents numerous business ideas, such as organic farming, aquaponics, and value-added products, catering to a growing market for sustainable and locally sourced goods.Focus on Sustainability: Entrepreneurs are encouraged to develop eco-friendly practices and products, aligning their ventures with the increasing consumer preference for health-conscious and environmentally-friendly options.Importance of Market Research: Conducting thorough market research is vital to understand consumer demands, identify market gaps, and refine business ideas, ensuring alignment with current trends in agriculture.Business Planning and Funding: Developing a solid business plan and exploring various funding options are essential steps for starting and sustaining an agricultural venture, helping entrepreneurs navigate challenges and opportunities.Adapting to Challenges: Being aware of challenges such as climate impact, market fluctuations, and regulatory compliance allows agricultural businesses to implement strategies that enhance resilience and maintain profitability. In today’s fast-paced world, the agricultural sector offers a wealth of opportunities for aspiring entrepreneurs. With a growing demand for sustainable and locally sourced products, now’s the perfect time to dive into innovative agricultural business ideas. Whether you’re a seasoned farmer or just starting out, there’s a niche waiting for you. From organic farming to aquaponics, the possibilities are endless. You can tap into the rising interest in health-conscious eating and eco-friendly practices. By exploring these ideas, you can not only contribute to a healthier planet but also create a profitable venture that aligns with your passions. Let’s explore some exciting agricultural business ideas that could pave the way for your success. Overview of Agricultural Business Ideas Exploring agricultural business ideas offers numerous avenues for small business entrepreneurs. With a focus on sustainability and local sourcing, you can tap into the growing market demand for healthy and eco-friendly products. Here are several viable options: Organic Farming Organic farming caters to the health-conscious consumer. You can grow fruits and vegetables without synthetic fertilizers or pesticides. This business idea aligns with increasing demand and can yield high profit margins. Aquaponics Aquaponics combines fish farming and plant cultivation. It maximizes space and resources, appealing to urban markets. This innovative approach represents a sustainable method of food production. Farmers’ Markets Setting up a stall at local farmers’ markets fosters direct connections with customers. You can sell organic produce, homemade goods, or artisanal products, thus building a brand and gaining loyal clientele. Agricultural Technology Offering tech solutions for farming, such as precision agriculture tools, can attract venture capital. Researching market needs helps you design products that enhance efficiency and yield. Community Supported Agriculture (CSA) Implementing a CSA model allows consumers to buy shares of your harvest. This approach builds community engagement and guarantees upfront funding for your startup. Value-Added Products Creating value-added items like jams, sauces, or dried fruits increases your sales potential. You can focus on branding and marketing to differentiate your products. Conducting thorough market research helps identify your target audience and informs your business model. Working on a solid business plan, securing funding, and understanding the legal structure—whether an LLC, sole proprietorship, or corporation—essentially sets your foundation. Networking with agricultural experts and utilizing business incubators might also enhance your startup’s growth strategy. Consider digital marketing strategies, including SEO and social media, to reach a broader customer base. Proper accounting practices and knowledge of taxes will ensure your agricultural venture remains financially viable. Each of these agricultural business ideas provides an opportunity for innovation, sustainability, and profitability. Types of Agricultural Business Ideas Explore various agricultural business ideas that cater to the evolving market. These ideas present opportunities for aspiring entrepreneurs to enter a profitable sector aligned with sustainability and community needs. Crop Farming Opportunities Organic Farming: Engage in organic farming by growing crops without synthetic fertilizers or pesticides. This method meets the rising demand for healthy produce among consumers seeking eco-friendly options. Ensure compliance with certification regulations to enhance marketability. Vertical Farming: Consider vertical farming that uses stacked structures to maximize space in urban areas. By reducing transportation costs, you deliver fresh produce directly to consumers, enhancing freshness and flavor. Hydroponic Farming: Implement hydroponic farming techniques that utilize nutrient-rich water solutions. This method promotes efficient water use and delivers high-quality yields faster than traditional farming methods. Dual Crop Farming: Explore dual crop farming through mixed cropping or intercropping methods. This strategy maximizes yield and mitigates risks related to adverse conditions, helping to stabilize your business income. Livestock Farming Ventures Free-Range Poultry: Consider raising free-range poultry for higher demand in ethically sourced meat and eggs. This approach appeals to health-conscious consumers and can enhance your brand through sustainable practices. Aquaculture: Engage in aquaculture by cultivating fish and other aquatic organisms. This venture contributes to food security while offering sustainable options for protein sourcing. Dairy Farming: Explore dairy farming opportunities by producing milk, cheese, or yogurt. By investing in quality breeding and technology, you can develop a strong product line to cater to consumer preferences. Beekeeping: Consider beekeeping as a sustainable business idea, producing honey and other bee-derived products. This venture supports pollination efforts while providing unique value to your offerings. Agribusiness Technology Innovations Precision Agriculture: Implement precision agriculture technology that utilizes data analytics to optimize farming practices. This innovation enhances resource efficiency, reducing costs and increasing profit margins. Agricultural Apps: Develop agricultural apps that provide farmers with tools for farm management, market research, and customer engagement. These solutions help streamline operations and improve customer acquisition strategies. E-commerce Solutions: Set up an e-commerce platform to market products directly to consumers. Use digital marketing techniques, including SEO and social media, to reach a broader target audience and enhance sales. Farm Management Software: Invest in farm management software to track expenses, manage finances, and plan growth strategies. These tools offer crucial insights for decision-making and boost overall business efficiency. Align your business idea with the current trends in the agricultural sector. Conduct thorough market research and develop a solid business plan to navigate funding options and business registration. Starting Your Agricultural Business Starting an agricultural business involves several strategic steps to ensure success. Each step focuses on foundational elements that will shape your venture. Conducting Market Research Conducting thorough market research helps you identify consumer preferences and market gaps. Explore trends in sustainable and locally sourced products. Analyze your target audience’s demands and buying behaviors. Use surveys, focus groups, and existing market reports to gather data. Understanding your competition and their offerings can refine your business idea and strengthen your market position. Developing a Business Plan Developing a solid business plan outlines your vision, goals, and strategies. Include an executive summary, market analysis, marketing strategies, and financial projections. Specify your business model, whether it’s a sole proprietorship, LLC, or corporation. Address potential challenges and risks while detailing your growth strategy. This plan serves not only as a roadmap for your business but also as a vital tool in attracting funding and partnerships. Securing Funding and Resources Securing funding and resources fuels your startup’s growth. Explore various funding options, including angel investors, business grants, and crowdfunding. Consider bootstrapping or seeking venture capital for larger aspirations. Ensure you understand the financial aspects, such as cash flow, budget management, and profit margins. Proper financial planning sets the stage for your startup’s sustainability. Research local agricultural grants and programs that support new businesses in your sector. Challenges in Agricultural Business Every agricultural business faces challenges that can impact your operations, profitability, and growth potential. Weather and Climate Impacts Weather unpredictability and climate change significantly influence agricultural outcomes. Droughts, floods, and pests can damage crops, leading to financial losses. Implementing adaptive strategies, such as diversifying crops and utilizing irrigation systems, can mitigate some risks. Employing technologies like precision farming can enhance resilience in production. Market Fluctuations Market fluctuations affect pricing and demand for agricultural products. Prices can vary due to seasonal changes or supply chain disruptions. Conducting thorough market research helps you stay informed about trends and adjust your pricing strategy accordingly. Establishing a solid business plan that accounts for potential market shifts can guide your financial decisions and planning. Regulatory Compliance Complying with local, state, and federal regulations is essential for your agricultural business. Understanding permits, licenses, and labeling requirements associated with food safety is necessary. Seeking legal advice early ensures you establish the appropriate legal structure—whether as an LLC, corporation, or partnership. Compliance helps you avoid fines and maintain your business’s integrity while protecting your intellectual property, like trademarks, or patents related to your unique products. Conclusion Exploring agricultural business ideas can be both fulfilling and profitable. By tapping into the growing demand for sustainable practices and local products, you can create a venture that resonates with today’s consumers. Whether you choose organic farming or innovative technologies, the possibilities are vast. Remember to conduct thorough market research and develop a solid business plan to guide your efforts. Embrace the challenges that come with this industry, and stay adaptable to changes. With determination and the right strategies, you can build a successful agricultural business that contributes positively to your community and the environment. Your journey in agriculture could be the key to a healthier planet and a thriving enterprise. Frequently Asked Questions What are some innovative agricultural business ideas? Innovative agricultural business ideas include organic farming, aquaponics, vertical farming, and eco-friendly livestock options like free-range poultry. Creating value-added products, utilizing agricultural technology, and engaging in Community Supported Agriculture (CSA) are also great ways to tap into the market for sustainable products. Why is now a good time to start an agricultural business? The rising demand for sustainable and locally sourced products makes now an ideal time to start an agricultural business. Consumers are increasingly looking for health-conscious options, which allows entrepreneurs to create profitable ventures that also contribute to environmental sustainability. How do I conduct market research for an agricultural business? To conduct market research, analyze consumer preferences, identify market gaps, and study competitors. Use surveys, focus groups, and online tools to gather data. Understanding local demand and trends will help you tailor your business idea effectively. What should I include in my agricultural business plan? Your agricultural business plan should include an executive summary, market analysis, marketing strategies, operational plans, and financial projections. A solid business plan sets a clear direction and helps secure funding while outlining your goals. How can I secure funding for my agricultural venture? Funding options for agricultural businesses include angel investors, business grants, and crowdfunding platforms. You can also explore loans from banks or agricultural development organizations. A well-prepared business plan will help attract potential investors. What challenges might I face in the agricultural business? Challenges in agriculture include weather unpredictability, climate change, market fluctuations, and regulatory compliance. Implementing adaptive strategies such as crop diversification and keeping up with legal requirements can help mitigate these risks. How can technology improve my agricultural business? Technology can enhance agricultural efficiency through precision farming, farm management software, and e-commerce solutions. These innovations help streamline operations, reduce waste, and improve productivity, ultimately leading to higher profitability. What are Community Supported Agriculture (CSA) models? Community Supported Agriculture (CSA) models connect consumers directly with farmers. Members subscribe to receive regular deliveries of fresh produce, fostering local community engagement while providing farmers with stable cash flow and reduced market risks. How do I market my agricultural products effectively? Effective marketing strategies include utilizing digital marketing techniques, social media platforms, and participating in local farmers’ markets. Building customer relationships and showcasing your sustainable practices can also attract health-conscious consumers. What role does networking play in starting an agricultural business? Networking with agricultural experts, local farmers, and business incubators can provide valuable insights, resources, and support for your agricultural business. Collaborating with others in the industry enhances growth strategies and opens new opportunities. Image Via Envato This article, "Innovative Agricultural Business Ideas for Sustainable Success" 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. The Samsung Galaxy Buds 3 Pro are now going for $199.99 (down from $249.99), which is helpful, because they’re not exactly a budget pick. SAMSUNG Galaxy Buds 3 Pro $189.99 at Amazon /images/amazon-prime.svg $269.99 Save $80.00 Get Deal Get Deal $189.99 at Amazon /images/amazon-prime.svg $269.99 Save $80.00 Available in either white or silver, they’ve got a bold new look with angular stems and built-in LEDs that you can customize to blink, fade, or stay lit—more than just a style choice, they double as status indicators. Inside, they house a 10.5mm dynamic driver and a 6.1mm planar driver, which work together to deliver full-bodied audio from bass to treble across a wide frequency range (20Hz to 40kHz). That said, reviewers like PCMag have noted that enabling active noise cancellation can slightly muffle the higher-end clarity, so you may want to play with the EQ if you're picky about audio sharpness. They support Bluetooth 5.4 and handle the usual AAC and SBC codecs, but the real bonus—for Samsung users at least—is support for the brand's proprietary Seamless Codec, which allows for 24-bit/96kHz playback. That’s not something you’ll get if you’re using a non-Samsung device, though, since that codec doesn’t work outside the ecosystem. And with no LDAC support in sight, high-res fans using other Android phones might feel a little boxed in. Still, the IP57 rating is solid for daily use—it’ll hold up against dust, sweat, and the occasional dunk in water. If you’re using a Galaxy phone, they’ll pair instantly through the Galaxy Wear app when you open the case. That unlocks all the smart features—noise control modes like ANC, Ambient, and Adaptive Sound, plus a nine-band EQ and even an Adaptive Equalizer that tweaks sound based on ear fit. The app also gives you access to Interpreter mode and Listening mode, which use AI for real-time translation. Non-Samsung Android users still get the Wear app via Google Play, though with fewer perks. iPhone users, on the other hand, don’t get access to any of these app features at all. Without the app, these basically turn into standard Bluetooth buds. View the full article

Amazon leaned into the advertising funnel in a big way during its 2025 Upfront event at the Beacon Theater in New York City on Monday night. Perhaps the most notable product enhancement the company unveiled was the use of AI to generate contextual advertising on its Prime Video platform—meaning that ads can and will be created on the fly, using AI, depending on the specific scene of a TV show or movie that is on the screen at any given time. For instance, if a viewer is watching a scene involving a loving phone call between a mother and daughter, pausing the show could result in an ad for mobile phone service, with AI-generated text dynamically created, right then and there. The ability gives Amazon’s massive advertising artillery even more firepower. Amazon execs at the event noted that its Prime Video service now has a global audience of more than 300 million, up from 275 million a year ago, and that engagement also increased 40% over the past year. A star-studded pitch to advertisers Amazon’s Upfront event was loaded with stars showcasing new projects for Prime Video. That included appearances by Michael B. Jordan, discussing a new Creed spinoff TV show called Delphi; Arnold Schwarzenegger (who stole the show with a 15-minute rambling appearance loaded with jokes about his old age) talking about his upcoming Christmas movie; John Cena talking about his new movie due out this summer with Idris Elba; and Jamie Lee Curtis, who announced that she’s producing and starring in a new series, Scarpetta, alongside Nicole Kidman. The series will be an adaptation of the popular book series authored by Patricia Cornwell. Curtis later joined Schwarzenegger on stage to reminisce about the 1990s action movie True Lies in which they both starred. Other announcements include the December return of Fallout, which will air its second season, and was also renewed for a third season. Nicolas Cage was also announced as playing Spider-Man in Spider-Noir, which will be available to watch in either color or black-and-white. Two new seasons of Beast Games are also on the way. Finally, sports were front and center. The NFL will continue with Thursday night games on Prime, and Prime will also host a Black Friday game between Chicago and Philadelphia, and a Christmas Day game between Denver and Kansas City. Additionally, the NBA inked an 11-year deal with Prime, which will see 65 regular-season games air on the service, along with some playoff games. View the full article

One of the world’s most well-known stock market indexes, the S&P 500, will soon look a little different. That’s because its roster of 500 companies is getting a shakeup, which will see the cryptocurrency exchange Coinbase Global join the index. In the process, Coinbase will replace legacy financial services company Discover Financial. Here’s what you need to know about the changes coming to the S&P 500. What is the S&P 500? The S&P 500 is one of the world’s best-known stock market indexes. A stock market index is essentially a running list of publicly traded companies whose stock prices are tracked. These indices can help give investors an overview of how the economy—or at least the markets—are behaving over a certain period, whether an hour, day, week, year, or decade. There are numerous stock market indexes across the world. The Dow, S&P 500, and Nasdaq 100 are the most well-known in the United States. Other global indexes include China’s Hang Seng, Japan’s Nikkei 225, the U.K.’s FTSE, Germany’s DAX, and France’s CAC 40. Indices should not be confused with stock market exchanges like the New York Stock Exchange (NYSE) or the Shanghai Stock Exchange. Stocks are bought and sold on these exchanges, whereas an index only tracks the price of certain stocks (though you can buy ETFs and mutual funds on exchanges that are broadly representative of certain indices themselves). As its name suggests, the S&P 500 tracks 500 publicly traded companies in the U.S. markets. This is much more than the Dow, which only tracks 30 companies. The S&P 500 launched in its current form on March 4, 1957. The full name of the S&P 500 is the Standard and Poor’s 500. Why is Coinbase joining the S&P 500? The catalyst for Coinbase joining the S&P 500 is that a legacy financial company that is currently tracked by the index will no longer be separately traded. That company is Discover Financial Services, which is being acquired by Capital One Financial Corporation. Discover’s removal will leave the S&P 500 with only 499 companies, so the S&P 500 needed to find a replacement, which it has done with Coinbase. Why did the S&P 500 choose Coinbase? A committee chooses which companies are included in the S&P 500 and, generally speaking, the committee tries to include companies from a broad range of sectors so it is composed of 500 companies that are a good proportional representation of the American economy. What’s interesting with Coinbase’s inclusion on the S&P 500 is that it is the first time a cryptocurrency company has been added to the index, notes The Crypto Basic. While this won’t change the fundamentals of the company itself, it signifies that crypto companies are becoming a more important part of the U.S. economy—or at least, that’s the perception. However, the S&P 500 committee can’t just choose any company it wants for the index. It uses multiple criteria when determining which companies to add. As noted by CNBC, any company added to the S&P 500 must have reported a profit in its most recent quarter and have had cumulative profits over the past four quarters. But those aren’t the only requirements. As S&P Global states, companies must also meet other selection criteria, which include: The company must be a “large cap” one—that is, it must have a market capitalization of at least $10 billion. The company must have sufficient liquidity. The company must have a sufficient number of shares that are available to the public (known as “public float”). The company must help contribute to the sector balance. The S&P 500 committee felt that Coinbase met these criteria. How unusual is this? It’s important to note that changes to the S&P 500 aren’t as rare as changes to the Dow, which only tracks 30 companies. The S&P typically makes dozens of changes to its roster every year. As mentioned, the reason Coinbase’s addition is so notable is that it’s the first crypto company ever added to the S&P. When do these changes take effect? In a press release, S&P Global confirmed that these changes will take place on Monday, May 19. On that day, Discover Financial Services will be deleted from the S&P 500 and Coinbase will be added. How have Coinbase on Discover Financial Services shares reacted to the news? Discover Financial Services stock (NYSE: DFS) pretty much shrugged off the news when it was announced after market close on Monday. That’s because DFS shareholders know the company is already being acquired for a fixed amount. Because Discover Financial Services is being acquired, its removal from the S&P 500 was expected. On the other hand, Coinbase stock (Nasdaq: COIN) has surged on the news that it was joining the S&P 500. Shares are currently up over 10% in premarket trading as of the time of this writing. Yesterday, before the S&P 500 announcement, COIN shares closed at just over $207. However, Coinbase’s addition to the S&P 500 does not change any of the company’s financials. The reason the stock is surging anyway is that many mutual funds and ETFs that track the S&P 500 will likely now add COIN shares to their baskets, meaning they will buy the stock, thus causing it to rise. Still, despite the company’s inclusion on the S&P 500, COIN shares have taken a beating this year. As of yesterday’s close, they were down over 16% year-to-date. Over the past five years, COIN shares have fallen 45%. View the full article

California’s governor called upon the state’s cities and counties to ban homeless encampments this week, even providing blueprint legislation for dismantling the tents lining streets, parks and waterways throughout much of the state. Gov. Gavin Newsom, a Democrat, made homelessness a priority of his administration when he took office in 2019. It had previously been an issue primarily for mayors and other local officials, but Newsom pumped money into converting old motels into housing and launched other initiatives to tackle the issue. Still, he has repeatedly called out cities and counties to do their part, and on Monday, he unveiled draft language that can be adopted by local governments to remove encampments. Here is what to know: What does the model ordinance say? Newsom’s model ordinance includes prohibitions on “persistent camping” in one location and encampments blocking sidewalks and other public spaces. It asks cities and counties to provide notice and make every reasonable effort to identify and offer shelter before clearing an encampment. What do local governments say? Organizations representing California’s cities and counties balked at the suggestion that they are to blame for street conditions. They say they need dedicated, sustained funding over multiple years for permanent projects instead of sporadic, one-time funding. Carolyn Coleman, executive director and CEO of the League of California Cities, said that eight in 10 cities have policies to address encampments but they need money to address the root causes of homelessness, such as more housing. The California State Association of Counties said the state has not provided as much money to address homelessness as it says it has and that half of the money has gone to housing developers. What do homeless advocates say? Studies have shown that encampment bans and other punitive measures make it even harder for people to find stable housing and work, said Alex Visotzky with the National Alliance to End Homelessness. People may lose critical documents or lose contact with a trusted case manager, forcing them to start all over again. In Los Angeles, Jay Joshua watches over a small encampment in which he also lives. He says encampments can be a safe space for those living there. What are California cities doing about encampments? Major cities with Democratic mayors have already started cracking down on encampments, saying they present a public health and safety hazard. In San Francisco, new mayor Daniel Lurie vowed to clean up city sidewalks. In San Jose, Mayor Matt Mahan has proposed arrests if a person refuses shelter three times. Do cities and counties have to adopt it? Newsom can’t make cities and counties adopt an encampment ban. But the proposed encampment legislation was paired with an announcement of $3.3 billion in grant money for facilities to treat mental health and substance abuse disorders, suggesting that he could condition state funding on compliance. In 2022, he paused $1 billion in state money for local government, saying that their plans to reduce homelessness fell short of the acceptable. —Janie Har, Associated Press View the full article

A new report from Upwork reveals that more than one in four U.S. knowledge workers—28%—are now working independently, generating $1.5 trillion in earnings in 2024. The findings are part of the company’s inaugural Future Workforce Index, published by the Upwork Research Institute, which analyzes the evolving role of skilled freelancers in the U.S. workforce. The report highlights a growing shift toward flexible, AI-driven work models and identifies freelancers as leading the way in technology adoption, continuous learning, and future-ready skills. According to the study, freelancers are outpacing full-time employees (FTEs) in AI usage and human skills needed for working alongside emerging technologies. “The traditional 9-to-5 model is rapidly losing its grip as skilled talent chooses flexibility, financial control, and meaningful work over outdated corporate structures,” said Kelly Monahan, managing director of the Upwork Research Institute. “Companies that cling to old hiring and workforce models risk falling behind, while those embracing independent professionals are driving growth and innovation. The future of working differently isn’t coming; it’s already here with skilled independent talent leading the way.” Freelancers Driving the Economy and Innovation According to Upwork’s data, skilled freelancers earned a total of $1.5 trillion in 2024. Roughly 20 million individuals in the U.S. are freelancing, and those who earn exclusively through freelance work reported a median income of $85,000—higher than the $80,000 median for full-time employees. Freelancers also show higher levels of education, with 37% holding postgraduate degrees, compared to 20% of full-time employees. Many are adopting specialized roles, including Freelance Business Owners, Agency Freelancers, Managed Services Freelancers, and AI-Enabled Freelancers. The report highlights that freelancers lead in both AI adoption and human-centric skills. Over half (54%) of freelancers report advanced AI proficiency, compared to 38% of FTEs. Additionally, 29% have extensive experience building, training, and fine-tuning machine learning models, versus 18% of full-time workers. Freelancers also rank higher in problem-solving (49% vs. 44%), critical thinking (43% vs. 38%), adaptability (41% vs. 37%), and communication (47% vs. 40%). “Skilled knowledge freelancers are at the intersection of innovation, AI, and workforce transformation,” said Gabby Burlacu, senior research manager of the Upwork Research Institute. “As they continue to grow in importance, they are driving change in how work is structured and how businesses operate. These freelancers are thriving on Upwork, where we’re seeing firsthand just how adaptable, AI-proficient, and outcome-focused they are, making them critical partners for businesses seeking to innovate, embark on AI transformation, and grow.” Corporate Adoption of Non-Traditional Talent Models Among 400+ publicly traded U.S. companies surveyed, those in the top 25% for revenue growth are more likely to integrate freelancers (45%), managed services (50%), agencies (39%), and human+AI collaboration (41%) into their workforce strategies. However, barriers remain, with 59% of business leaders expressing concern about multi-company work and 41% skeptical about AI tools. The report suggests this shift toward freelancing is accelerating. Over one-third (36%) of full-time employees are considering freelance work, while only 10% of freelancers are looking to return to traditional employment. Gen Z is leading the way, with 53% of skilled workers in this demographic already freelancing. As Gen Z is expected to make up 30% of the U.S. workforce by 2030, this trend may significantly reshape the employment landscape. Optimism remains high across the board, with 84% of freelancers and 77% of full-time employees saying the best days of freelancing are ahead. Meanwhile, 82% of freelancers report more work opportunities now than a year ago, compared to 63% of full-time employees. The report is based on a survey of 3,000 U.S.-based skilled knowledge workers conducted between December 2024 and February 2025, with a margin of error of ±1.8% at a 95% confidence level. A separate survey of 502 C-level executives from publicly traded companies contributed insights on hiring and workforce strategy trends. Image: Canva This article, "Upwork Report Finds One in Four U.S. Knowledge Workers Now Freelance, Earning $1.5 Trillion in 2024" was first published on Small Business Trends View the full article

A new report from Upwork reveals that more than one in four U.S. knowledge workers—28%—are now working independently, generating $1.5 trillion in earnings in 2024. The findings are part of the company’s inaugural Future Workforce Index, published by the Upwork Research Institute, which analyzes the evolving role of skilled freelancers in the U.S. workforce. The report highlights a growing shift toward flexible, AI-driven work models and identifies freelancers as leading the way in technology adoption, continuous learning, and future-ready skills. According to the study, freelancers are outpacing full-time employees (FTEs) in AI usage and human skills needed for working alongside emerging technologies. “The traditional 9-to-5 model is rapidly losing its grip as skilled talent chooses flexibility, financial control, and meaningful work over outdated corporate structures,” said Kelly Monahan, managing director of the Upwork Research Institute. “Companies that cling to old hiring and workforce models risk falling behind, while those embracing independent professionals are driving growth and innovation. The future of working differently isn’t coming; it’s already here with skilled independent talent leading the way.” Freelancers Driving the Economy and Innovation According to Upwork’s data, skilled freelancers earned a total of $1.5 trillion in 2024. Roughly 20 million individuals in the U.S. are freelancing, and those who earn exclusively through freelance work reported a median income of $85,000—higher than the $80,000 median for full-time employees. Freelancers also show higher levels of education, with 37% holding postgraduate degrees, compared to 20% of full-time employees. Many are adopting specialized roles, including Freelance Business Owners, Agency Freelancers, Managed Services Freelancers, and AI-Enabled Freelancers. The report highlights that freelancers lead in both AI adoption and human-centric skills. Over half (54%) of freelancers report advanced AI proficiency, compared to 38% of FTEs. Additionally, 29% have extensive experience building, training, and fine-tuning machine learning models, versus 18% of full-time workers. Freelancers also rank higher in problem-solving (49% vs. 44%), critical thinking (43% vs. 38%), adaptability (41% vs. 37%), and communication (47% vs. 40%). “Skilled knowledge freelancers are at the intersection of innovation, AI, and workforce transformation,” said Gabby Burlacu, senior research manager of the Upwork Research Institute. “As they continue to grow in importance, they are driving change in how work is structured and how businesses operate. These freelancers are thriving on Upwork, where we’re seeing firsthand just how adaptable, AI-proficient, and outcome-focused they are, making them critical partners for businesses seeking to innovate, embark on AI transformation, and grow.” Corporate Adoption of Non-Traditional Talent Models Among 400+ publicly traded U.S. companies surveyed, those in the top 25% for revenue growth are more likely to integrate freelancers (45%), managed services (50%), agencies (39%), and human+AI collaboration (41%) into their workforce strategies. However, barriers remain, with 59% of business leaders expressing concern about multi-company work and 41% skeptical about AI tools. The report suggests this shift toward freelancing is accelerating. Over one-third (36%) of full-time employees are considering freelance work, while only 10% of freelancers are looking to return to traditional employment. Gen Z is leading the way, with 53% of skilled workers in this demographic already freelancing. As Gen Z is expected to make up 30% of the U.S. workforce by 2030, this trend may significantly reshape the employment landscape. Optimism remains high across the board, with 84% of freelancers and 77% of full-time employees saying the best days of freelancing are ahead. Meanwhile, 82% of freelancers report more work opportunities now than a year ago, compared to 63% of full-time employees. The report is based on a survey of 3,000 U.S.-based skilled knowledge workers conducted between December 2024 and February 2025, with a margin of error of ±1.8% at a 95% confidence level. A separate survey of 502 C-level executives from publicly traded companies contributed insights on hiring and workforce strategy trends. Image: Canva This article, "Upwork Report Finds One in Four U.S. Knowledge Workers Now Freelance, Earning $1.5 Trillion in 2024" was first published on Small Business Trends View the full article

Since it launched two years ago, Spotify’s AI DJ has been a one-way experience. It curates old favorites and helps listeners discover new tracks based on past listening experience and what similar users like. But now it’s getting interactive. Spotify unveiled the ability to request songs from the DJ based on mood, genre, and vibe. The feature, which launched across 60 markets, is exclusive to Spotify Premium users, who can access the DJ by searching for the tool in the app. It’s the latest AI feature to come from Spotify, which introduced an AI-generated playlist builder for Premium users in the United States last fall. But Molly Holder, Spotify’s senior director of product for personalization, says that tool was designed for people who want to take an active role in their listening experience. The new DJ request feature, by contrast, is designed to give users more input into an essentially “lean back” experience. “We know that even in a ‘lean back’ moment, users still want some semblance of control,” she says. How does the DJ request feature work? After a user searches for and calls up the DJ in the app, they can make a request by holding down the DJ icon and speaking a prompt. (The feature requires microphone access.) After receiving the prompt, such as “upbeat songs for running” or “ambient for a rainy day,” the DJ will “think” for a bit before launching into a tailored playlist. Focusing on mood or moment along with a genre tends to be the best approach for using the feature. Wanting to give it a slam dunk, I asked for “early 2000s patriotic country” and immediately got Toby Keith’s “Courtesy of the Red, White and Blue.” Not too hard. But when I asked for “undiscovered African gems for a summer barbecue,” expecting Afrobeats and Amapiano, the DJ instead served songs from the African diaspora. (The first was by Timbuktu, who Spotify describes as “one of Sweden’s most well-known hip-hop artists.”) Once I specified the genre, the results were better, but I’d forgotten to make clear I wanted undiscovered artists, so I got a lot of Tyla. With several of the requests, the DJ seemed somewhat buggy, abruptly stopping a song and launching into its more default mode. When I asked for “DIY indie rock from the mid-2010s,” it played a few bars from an early Mitski song, then reset itself and introduced my top songs from 2023. Pairing insight with a human touch Spotify’s Holder says that while the DJ’s content-surfacing abilities are powered by AI, many of the comments and insights that it delivers in between songs—the bits that make the tool feel like a personalized and expert experience—are powered by humans. “We have music experts and editors who have built what’s called the ‘writer’s room’ for the DJ product,” she says. “These folks come together with generative AI to build the commentary that DJ offers throughout the experience.” This commentary can increase listener engagement—which can be beneficial for artists who are trying to break through as well. “In that writer’s room, when we build that commentary, it helps to bring artists’ stories to life to bring a little bit more context to the content we’re recommending,” Holder says. “One thing we see is that users who hear commentary about a track in the DJ experience are more likely to listen to a track they might have otherwise skipped.” Holder also positions the new feature in Spotify’s long history of using machine learning to build personalization into the user experience, from Discovery Weekly to Daylists and now the DJ requests. “We’re really applying AI strategically across our product portfolio in ways that enhance the value proposition of our products.” View the full article

Peer-to-peer payment apps like Venmo offer an easy way to send money to friends and family as well as businesses selling goods and services—but that ease makes them a target for scams involving theft and fraud. Here are the most common Venmo scams to watch for. The mistaken payment scamIf you receive money you weren't expecting from someone you don't know by "accident," it's not actually an accident. Scammers will Venmo you, claim it was a mistake, and ask for the money back as a new payment. This may seem harmless, but it typically involves scammers charging so-called mistaken payments to stolen credit cards then connecting their personal cards to receive payments in return. If the original payments are reversed when the stolen card is reported, the money will come from your account. To avoid this scam, don't send money back to someone you don't know. Instead, contact Venmo support so they can reverse the charge without compromising your account. You should also block the user who sent the payment. The impersonation scamScammers may try to trick you into sending payments by impersonating someone you know. They may change their username or profile picture to match someone in your public feed—if your Venmo transactions aren't private, stop right now and change that setting—so you won't suspect anything is amiss. Often, these payment requests are unexpected and seem time-sensitive. If you receive a payment or payment request you weren't anticipating or that seems urgent, tap the profile picture to view the account and confirm their identity. You should also message that person outside of Venmo to clarify the request before sending any money. The tech support scamIf you reach out to a tech support line (for anything, not just Venmo), you should never send money via Venmo for that service. Scammers may spoof phone numbers and impersonate technical support staff, whose help is almost always free. Venmo warns that bad actors may try to trick you with something that sounds like this: “Hello, thank you for calling (major company name) Support. Andrew here, ready to help! Before we get started, I will need to take your payment for our assistance today. Do you have a Venmo account? If not, I’d be happy to help you create one!” Always locate company contact information directly from their website by typing the URL in rather than clicking through from search (where results can be spoofed), and never send a Venmo payment for these services. The Venmo text/call scamSimilarly, scammers may contact you via call or text pretending to be from Venmo's support team. They may tell you that there has been unauthorized activity on your account and ask you to log in via a link they send your or to provide your multi-factor authentication code. This is a phishing scam, as Venmo will never ask for verification codes or request to access your account remotely. You should also be skeptical of a message that asks you to install a third-party app, send a payment, or verify a new account. Never click links in unsolicited messages. Instead, contact Venmo support directly to confirm any requests, and report fake or suspicious texts and emails. The prize scamIf you receive a text or email saying that you've won money from Venmo, it's a scam. This phishing attack includes a fraudulent link to sign into your Venmo account, which hands your information directly to scammers. Never enter your Venmo login anywhere except Venmo.com or the Venmo app (which you should always navigate to directly rather than via an unsolicited link), and do not provide anyone with your information unless you have contacted Venmo support directly. The fake donation scamDonating to a cause or group you care about is great, but scammers take advantage of this by circulating fraudulent Venmo accounts and collecting funds in the name of other individuals or organizations. Before you send money, verify the account belongs to the organization—don't simply rely on links from social media. You should also research the best way to support and contribute to organizations directly from their website or social accounts. The romance scamRomance scams are a long game: fraudsters will create fake social media profiles and work to develop a relationship with you, gain your trust, and ask for money via Venmo. This scam plays on your emotions, and requests are often related to expenses to come visit you or potential investment opportunities. Be wary of people who reach out to you online to create an emotional connection, and never loan money to someone you've never met IRL. The job offer scamIf you receive an unsolicited text from a recruiter with a job offer, it's definitely a scam. Sometimes, these offers come with requests to pay upfront for onboarding or to move money around using your Venmo account. Obviously, this is money lost. Ignore these messages—don't respond, and don't click links. A similar scam is a message from a prospective landlord requesting a deposit before you've signed a lease. The fraudulent purchase scamIf you're buying or selling goods and services using Venmo payments, watch out for tactics scammers use to steal money. They may ask you to pay upfront and then never send you the item they've promised, or they'll send you fake shipping information. They may also ask you not to mark the payment as a purchase, which makes the transaction ineligible for Venmo's purchase protection. To avoid this scam, only buy from Venmo approved business accounts—you'll see the message "Eligible items covered by Purchase Protection" under the Pay button. If you pay a personal profile, be sure to mark it as a purchase. When selling, don't send items without receiving legitimate payments, even if the buyer shows you screenshots of supposed Venmo transactions (that are actually fake payment invoices). Scammers may "accidentally" send you an overpayment (using a stolen card or bank account) for a purchase and request that you refund the extra—like with the mistaken payment scam, you'll ultimately be on the hook. The paper check scamScammers may send you a paper check and ask you to send them a payment on Venmo. The check may even clear when you deposit it but will bounce later, so you're out funds you can't get back. Don't exchange other forms of payment for Venmo payments. Too-good-to-be-true scamsWhile these are some of the most common ways scammers use Venmo, there may be others. For example, be wary of using Venmo to pay for hard-to-find items—like concert tickets or rare collectibles—advertised on other platforms, as these can be scams that exchange payment for nothing in return. Also, don't pay for gift card deals or investments via Venmo. How to protect yourselfAll of the rules of scam avoidance apply to Venmo: don't click links in unsolicited messages or provide your account information to anyone you don't know, and don't send payments to strangers. Beware messages that bring up emotions or sense of urgency, which can cloud your judgment in the moment. If something sounds too good to be true, it probably is. Only use Venmo to pay people you know and trust, and ensure all of your transactions are private—there's no reason anyone needs to see your payment history. Set up two-factor authentication for your Venmo account to prevent unauthorized logins (but know that these codes are also phishable). Check your financial records, including your credit report and bank statements, regularly to catch possible theft and fraud quickly. View the full article

Price growth continued to trend toward the Federal Reserve's 2% target, but not enough to spur action from the central bank. View the full article