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The average rate on a 30-year U.S. mortgage fell to its lowest level of 2025 this week, an encouraging sign for prospective home buyers. The average long-term mortgage rate dipped to 6.15% from 6.18% last week, mortgage buyer Freddie Mac said Wednesday. That’s the lowest average long-term rate since October 3, 2024, when it dipped to 6.12% before shooting back up. One year ago, the rate averaged 6.91%. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, fell this week to 5.44% from 5.50% the previous week. A year ago, it averaged 6.13%, Freddie Mac said. Mortgage rates are influenced by several factors, from t…

Porsche is recalling 173,538 vehicles in the U.S. as the rearview camera image may not display when the vehicle is placed in reverse, the U.S. National Highway Traffic Safety Administration said on Wednesday. This is one of the largest single safety recalls issued by Porsche Cars North America in recent years, following a 2022 recall pertaining to missing headlight adjustment screw covers that affected 222,858 vehicles. The current recall affects certain 2019-2025 Cayenne, Cayenne E-Hybrid, 2020-2025 911, Taycan, 2024-2025 Panamera, and 2025 Panamera E-Hybrid models. The regulator flagged that the vehicles fail to comply with the Federal Motor Vehicle Safety S…

I just launched a wine app, which means I’ve spent the last six months thinking obsessively about one thing: how do you remove friction from decisions that shouldn’t be hard? The answer taught me something bigger about rituals, and why so many of the ones we create at the end and beginning of the year fail us. Here’s my founder story, but from the wine aisle. Last December, I was standing in front of a wall of bottles, paralyzed. Not because I don’t like wine. I do. I was paralyzed because the entire experience was designed to make me feel small. The sommelier energy, the gatekeeping language, the implied message that if I couldn’t name the terroir, I didn’t d…

Below, Judd Kessler shares five key insights from his new book, Lucky by Design: The Hidden Economics You Need to Get More of What You Want. Judd is an award-winning professor of economics at the Wharton School of the University of Pennsylvania. His research and writing have been featured in leading media, such as The New York Times, The Wall Street Journal, Scientific American, and Harvard Business Review, among others. For his work on organ allocation, Kessler was named one of the “30 under 30” in Law and Policy by Forbes. He has been researching market design for the past 15 years. What’s the big idea? Life is full of hidden markets quietly deciding who gets…

The past year saw unprecedented change and turmoil in the labor market, from pandemic-era layoffs to AI fundamentally and tangibly turning the workforce on its head. But it’s in these times of uncertainty and transition that leadership becomes of paramount importance. In 2025, the very nature of leadership itself morphed along with the times, and specific themes resonated with readers in specific ways. And they’re bound to remain very much in the game heading into 2026. Here are some of Fast Company’s most popular leadership stories from the last year. Managing underperformers We live in a world of quiet quitting and more workers rejecting hustle culture and th…

This article is republished with permission from Wonder Tools, a newsletter that helps you discover the most useful sites and apps. I’ve recently written about free, private AI tools and the best AI mobile apps. To build on that AI series, I’m sharing a new guest post today on how to make the most of AI by Frank Andrade, The PyCoach. He’s an AI & Python instructor who has helped thousands of people on YouTube and Substack master AI with beginner-friendly guides and in-depth tutorials. As he starts a new journey on Instagram, he’s offering his ChatGPT course free to anyone who follows & DMs him. I’ve been using ChatGPT since the day it was released. Bac…

January is a time when many people reflect on their goals for the year ahead—a new job, a promotion, hitting the gym, or overall better health—but research from Baylor College of Medicine and psychologist Richard Wiseman shows 88% of people actually fail to achieve their New Year’s resolutions. But according to the experts we asked, you should forget resolutions—and do these things instead. Rewire your brain “Repetition, not intention, rewires behavior,” says Cherian Koshy, author of Neurogiving. “Resolutions fail because they rely on willpower, and willpower is unreliable. What works is design.” “The brain follows what’s easy, not what’s aspirational, and …

When the confetti settles and the ball has dropped, many Americans will wake up on New Year’s Day — Thursday, Jan. 1, 2026 — with errands to run, groceries to buy, or just the urge to grab coffee. But because New Year’s Day is a federal holiday, the holiday clock affects a wide range of services differently: some go dormant for the day, others hum along with normal or modified hours, and a few offer the convenience you might need as you kick off the new year. Here’s what to expect if you’re planning to be out and about — or just need to know whether that store you’re counting on is open. Will I get mail on New Year’s Day? Thursday is a full federal holiday, whi…

When the confetti settles and the ball has dropped, many Americans will wake up on New Year’s Day—Thursday, January 1, 2026—with errands to run, groceries to buy, or just the urge to grab coffee. But because New Year’s Day is a federal holiday, the holiday clock affects a wide range of services differently: Some go dormant for the day, others hum along with normal or modified hours, and a few offer the convenience you might need as you kick off the new year. Here’s what to expect if you’re planning to be out and about—or just need to know whether that store you’re counting on is open. Will I get mail on New Year’s Day? Thursday is a full federal holiday, w…

Work consumes around a third of our waking hours during the weekday. Yet, according to Gallup, nearly a third of employees are disengaged. 80,000 Hours, a London-based nonprofit that helps people find the best career fit for themselves, reviewed 60 studies on dream jobs and found that a dream job meets six criteria: it’s engaging, it helps others, you’re good at it, you work with supportive colleagues, it doesn’t have major negatives, and it fits with the rest of your life. Dream jobs seem difficult to land—one 2024 survey of 3,000 employees across the U.S. finds only 14% of American adults are working their dream job. The same study found that 38% of adults hat…

In 2026 (and beyond) the best benchmark for large language models won’t be MMLU or AgentBench or GAIA. It will be trust—something AI will have to rebuild before it can be broadly useful and valuable to both consumers and businesses. Researchers identify several different kinds of AI trust. In people who use chatbots as companions or confidants, they measure a feeling that the AI is benevolent or has integrity. In people who use AI for productivity or business, they measure something called “competence trust,” or the belief that the AI is accurate and doesn’t hallucinate facts. I’ll focus on that second kind. Competence trust can grow or shrink. An AI tool user, qu…

2026 will be a good year for people who love to walk where cars once drove. As climate change accelerates—and cities continue to grapple with congestion and air pollution—urban priorities have been shifting. In May this year, Parisians voted to close 500 streets to traffic across all 20 arrondissements. London is moving forward with plans to pedestrianize sections of the world-famous Oxford Street, as well as Regent Street, and Piccadilly Circus. Meanwhile, Barcelona’s centuries-old promenade, La Rambla, is in the last stretches of a long-term redesign that will be completed in 2027, widening the pedestrian promenade and limiting access to residents’ vehicles and publ…

Imagine this: One day, you won’t have to waste hours of your life doing your most arduous, least favorite forms of shopping. You know what I’m talking about—buying Christmas presents for distant aunts, getting supplies for your kid’s birthday, ordering groceries for dinner. In the near future, you’ll empower your AI agent to tackle the task, then off it will go, identifying the right items, comparing prices and—most impressively—making the purchase for you. Within hours, a tin of your aunt’s favorite biscuits, the correct number of Peppa Pig plates, and a bag of groceries will arrive at your doorstep. We’re not quite there yet, but experts say that this future is …

A new year has brought a new pay rate for more than 8.3 million Americans. The minimum wage is going up in 19 states this week, with workers in Hawaii earning as much as $2 more an hour. Collectively, these pay increases will boost paychecks by a total of $5 billion, according to the Economic Policy Institute. While the federal minimum wage of $7.25 per hour hasn’t budged in nearly two decades, and still applies in eight states, many states and cities have steadily been increasing their minimum wages to well over double that amount. Seattle’s minimum wage, at $21.30 per hour, is now nearly triple that federal threshold. As is the case with Seattle, 47 cities …

This new year comes with a new moon. Skywatchers are in for a treat this weekend as 2026 rings in the first supermoon of the year, along with a Quadrantid meteor shower. The January full “wolf moon” is forecast to appear overnight into tomorrow morning Saturday, January 3, peaking at 5:03 a.m. ET when it will be at its fullest, according to EarthSky. However, don’t be fooled: It will appear full both nights, due to its close proximity to Earth (making it appear 14% larger), and proximity to Jupiter and Gemini’s twin stars—all of which will make it appear even brighter. All that light, however, could make it harder to see the Quadrantid meteor shower: bright, …

A California lawmaker has introduced a first-in-the-nation bill meant to ban companies from embedding AI chatbot technology into toys designed for children. Announced on Friday, the measure comes amid growing concerns about the impact of artificial intelligence on child welfare, and a number of local and federal proposals to limit kids’ access to LLM chatbots. This particular legislation would target toys that simulate friendship and companionship through large language technology. For toy manufacturers, LLMs can provide an easy, albeit risky, way of creating a personality for a particular doll or character. AI models aren’t pre-scripted the way most talking toys are…

For many Americans, 2025 wasn’t a great year financially. The affordability crisis and general economic concerns became defining themes of the year as people dealt with rising costs and a worsening job market. But for billionaires, 2025 was a boon to their already exuberant wealth. The 15 richest billionaires in the United States saw their wealth grow by more than $1 trillion over the course of the year, according to a new analysis from the Institute for Policy Studies, a Washington, D.C., think tank. As of the end of 2025, those 15 billionaires—each with assets over $100 billion—have a combined wealth of $3.2 trillion, up from $2.4 trillion a year ago. …

New York City kicked off the new year with a new mayor in democratic socialist Zohran Mamdani, whose inauguration flooded the internet with viral moments. Mamdani took the oath of office via two separate swearing in ceremonies. The more intimate one took place underground at midnight at a decommissioned City Hall subway station. With just a few hours as mayor under his belt, Mamdani was then sworn in for a second time by fellow Democratic Socialist Bernie Sanders. Mamdani first reached internet stardom during his mayoral campaign thanks in part to his campaign’s design and witty social media content, prompting a landslide victory and the highest mayoral race voter…

Every January, leaders are told to do the same thing: set ambitious goals, map out the year, and commit to executing harder than before. We frame this as discipline or vision, but more often than not, it is a ritual of pressure. The assumption is that success comes from wanting more and pushing faster. After years of leading teams, building companies, and advising executives at the intersection of AI, work, and leadership, I realized something uncomfortable. Most people are not failing because their goals are unclear. They are failing because their capacity is already exhausted before the year even begins. That realization fundamentally changed how I approach the …

The new year often brings sticker shock. A glance at our bank statements and credit card bills shows just how much we spent during the holidays, serving as a painful reminder that with the festivities behind us, we should work on getting our expenditures under control. A good first step toward doing that is to cancel unnecessary subscriptions—whether that’s Netflix, Apple TV, Amazon Prime, or any other service you pay for monthly but don’t use. These unnecessary subscriptions can add up—especially as prices continue to rise. A 2025 CNET report found that the average U.S. adult spends $17 a month on subscriptions they don’t use—that’s more than $200 a year. (A Self…

I am not clairvoyant and have no crystal ball. But I’ve got some predictions for 2026. I learned about predictions from a master of the craft: Byron Wien, a market strategist who rose to Wall Street prominence in the 1990s for his annual “Ten Surprises” list. Back in the day, I spent several weeks shadowing Wien as a reporter, and the lessons have long stuck with me. Wien said that the prediction game wasn’t about being right. It was about identifying trends. He knew many of his “surprises” would never come to pass, at least not in the extreme form that he shared. But they sparked dialogue and got people to confront their assumptions. And every now and then, he’…

The design of the steel-ribbed umbrella has changed little since it was introduced in the 1850s, but the mechanical engineers and origami experts who made an umbrella that works by folding say they’ve finally improved upon it. The $249 Ori umbrella has a frameless design with a laminate composite canopy, which fits into a 3.5-centimeter cylinder smart handle with an OLED display. That means there are no steel elements that can go haywire and leave you with a misshapen mess when you’re caught in a strong wind. It seems we finally have an umbrella that looks like it was invented in the 21st century. The design team included origami experts who usually work in aerosp…