What's on Your Mind?

The average rate on a 30-year U.S. mortgage edged higher this week to just above its 2025 low. The average long-term mortgage rate rose to 6.16%, mortgage buyer Freddie Mac said Thursday. That’s up slightly from 6.15% last week, when the average rate dropped to its lowest level since October 3, 2024. One year ago, the rate averaged 6.93%. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, rose this week to 5.46% from 5.44% the previous week. A year ago, it averaged 6.14%, Freddie Mac said. Mortgage rates are influenced by several factors, from the Federal Reserve’s interest rate policy decisions to bond marke…

While headlines about AI replacing workers dominated 2025, behavioral health is charting a different path. The industry thrives on human connection, measuring success in trust, healing, and human relationships, not throughput. That’s not to say AI isn’t rapidly reshaping the industry—it is. Its role here fundamentally differs because it supports clinicians rather than sidelines them. Over the next year, I predict we’ll see a paradox play out: Behavioral health will become increasingly AI-enabled, and simultaneously, more human than it’s been in decades. The reason is simple. Burnout and administrative burdens have been increasingly limiting what clinicians can do. Pro…

Jan. 26 marks the official start date of the 2026 tax filing season, when the IRS will begin accepting and processing 2025 tax returns. April 15 is the filing deadline. Tax experts, including the IRS’ independent watchdog, have warned that this year’s filing season could be hampered by the loss of tens of thousands of tax collection workers who left the agency through planned layoffs and buyouts spurred by Elon Musk’s Department of Government Efficiency. The IRS will also be responsible for implementing major provisions of Republicans’ tax and spending package signed into law last summer. Several provisions in the law retroactively affect the 2025 tax year, likely…

When a gunman began firing inside an academic building on the Brown University campus, students didn’t wait for official alerts warning of trouble. They got information almost instantly, in bits and bursts — through phones vibrating in pockets, messages from strangers, rumors that felt urgent because they might keep someone alive. On Dec. 13 as the attack at the Ivy League institution played out during finals week, students took to Sidechat, an anonymous, campus-specific message board used widely at U.S. colleges, for fast-flowing information in real time. An Associated Press analysis of nearly 8,000 posts from the 36 hours after the shooting shows how social medi…

If you visit the Hermès website in search of a scarf or a handbag, you’ll be greeted by a collection of whimsical sea creatures swimming across the screen. To navigate to the watch section, you’ll click on an image of a watch flanked by an eel. To locate shoes, you’ll click on a loafer with a pelican sitting inside it as if it were riding a boat. These sea horses and fish and eels and star fish are intriguing to the eye. While digitally-rendered images are hyper smooth, symmetrical, and flawless, these pictures bear all the imperfections of a hand-drawn illustration. We see the texture of the paper grain in the background, a slight irregularity in the lines, uneve…

New York Attorney General Letitia James is demanding more information about Instacart’s recent, and highly controversial, price tests, and suggesting that the scheme—which saw customers charged notably different prices for the same products, when offered at the same stores—might have violated a new state law. Late last year, Consumer Reports and the Groundwork Collaborative released an investigation that found that a single item posted on Instacart could have as many as five different prices, and that costs for a single item could range from just seven cents to $2.56. The investigation found that while some prices changed, and some differed only marginally, for some …

Fast-casual salad chain Salad and Go is closing more stores and exiting Texas and Oklahoma completely. The eatery will close a total of 32 stores, 25 in Texas and seven in Oklahoma, by January 11. The closures will impact around 600 employees. The company will also close its Dallas headquarters and relocate to Phoenix. Salad and Go operates as a drive-through and grab-and-go business, known for affordable salads, wraps, and other healthy menu items. The fast-casual chain was founded in 2013 in Gilbert, Arizona. Salad and Go began rapid expansion efforts in 2022. However, the salad chain has recently been reducing its retail footprint, closing 41 of its stores …

The dreaded performance review draws the ire of employees and managers alike. Workers fret that reviews fail to capture the full scope of their work, or that they are an unfair assessment of their performance. For managers, reviews can be a time-consuming nuisance and involve the challenging task of delivering tough feedback. But a new study from Cornell University finds that the structure of the performance review can have a huge impact on how workers feel about them. Over the last decade, a number of companies have revamped their performance reviews, seemingly to address the long-standing pain points. The likes of Goldman Sachs and Morgan Stanley have moved aw…

American Airlines will begin offering free, high-speed Wi-Fi on flights beginning this month. The airline made the announcement this week in a press release, explaining that the service will extend to around two million flights in 2026. However, not all fliers will receive the perk. The new service will be sponsored by wireless provider AT&T. “Free high-speed Wi-Fi isn’t just a perk—it’s essential for today’s travelers,” said Heather Garboden, chief customer officer at American Airlines, in the release. The rollout won’t kick off all at once, the announcement explained, but instead will happen in phases. This month, the service will be available only on…

If you had a severe case of the Sunday Scaries last weekend, you are not alone. It’s a sentiment many have been sharing online. Ready or not, with it comes an influx of unread emails, meeting invites, and responsibilities—smugly pushed to the New Year in the last weeks of December—now coming back to haunt us all. Indeed, the first Monday of the year is the Monday-est Monday of all. “Oh god,” one TikTok user posted on Monday 6th. “Everyone is circling back.” “Worst aesthetic ever: Back to work in the first week of jan,” another wrote, riffing on TikTok’s “rare aesthetic” trend. Some have used the lyrics to The Smiths’ “Heaven Knows I’m Miserable No…

Once the ball starts rolling in the Spanish league, the game is on for some 50 analysts who start looking for signs of online piracy. They scan websites, social media posts, IPTV platforms and streaming portals in search of illegal broadcasts of La Liga matches. The trained analysts identify the pirated content and take the steps needed to take them off air, including notifying Internet intermediaries like Cloudflare, the U.S.-based company whose content-delivery network is believed to manage nearly 20% of the Internet traffic worldwide. And that’s when the real fight begins for the Spanish league. La Liga, one of the most active European leagues fighting piracy and a…

Inside Girl Scouts’ headquarters in New York City and its two licensed bakeries, a team of trend forecasters, marketers, and food scientists spend years cooking up its next iconic cookie. Now, fans of the annual cookie sale are about to get a taste of what the Girl Scouts of the USA (GSUSA) team has been baking behind closed doors. The newest addition to the cookie lineup are Exploremores, a rocky road ice cream-inspired sandwich cookie with chocolate shortbread exteriors and chocolate, marshmallow, and toasted almond-flavored cream centers. For Girl Scout cookie enjoyers, a fresh cookie is always a welcome surprise. But, according to Wendy Lou, GSUSA’s chief rev…

You’ve probably heard the saying, “If you need to get something done, give it to the busiest person you know.” This statement often rings true. However, if you find yourself nodding along to this, you could be doing yourself a disservice. Yes, reliability and dependability are strengths, but they can quickly become your Achilles heel if you’re everyone’s go-to person, all the time. Research shows that teams composed of people who are dependable perform better. In fact, Google’s Project Aristotle found dependability to be the second most important factor in high-performing teams. And yet if this dependability extends beyond the sustainable (for example, if it turn…

Thomas Edison said that success is “1 percent inspiration and 99 percent perspiration.” But what if his famous formula is missing a key ingredient? What if success demands not just creativity and perseverance, but a third, much less discussed skill? Modern neuroscience suggests it does. Research shows mastering this often overlooked ability will not only upgrade your brain, but make it much more likely you’ll achieve your goals (with less perspiration along the way). The secret ingredient for success What is this magic ingredient? Some scientists call it a strategic mindset. Others term it metacognition. Whatever label you go with, the idea is straightforwar…

Working from home might be frowned upon at some companies these days, but the rising number of layoffs last year and the growing collection of workers who are launching their own businesses means the number of people working out of a home office is on the rise. If you’re among them, you’ve no doubt learned that to make it a comfortable experience, you need a lot more than a laptop and a convenient table. At the Consumer Electronics Show (CES) in Las Vegas this year, plenty of items on display seemed well-suited to make work life easier for home-based employees. Here’s a look at the most notable tools. Xebec Tri Screen 3 If you’re used to a multi-monitor set…

Single-use soy sauce packets for sushi take-out orders are now a whole lot more sustainable, thanks to a redesign that doesn’t use any plastic. While sushi lovers in the U.S. are used to getting their to-go soy sauce in rectangular packets like they do their ketchup and mustard, soy sauce in Australia often comes in small plastic fish bottles with a screw top. This typical mini fish-shaped bottle is cute, for sure, but the user is done with it in a few minutes. Its packaging lasts much, much longer by comparison, since plastics can take as long as 500 years to break down. Does the user experience really require packaging that lasts that long? The Holy …

If you’re like most Americans, you’ve already set all manner of goals and resolutions for the New Year. And likewise, if you’re like most Americans, you’ll have entirely abandoned them by February 1. Studies have found that 23% of people quit their New Year’s resolutions within a week, and almost half drop them by the end of January. Only 9% of Americans actually complete anything from their list in a given year. The biggest issue, apparently, is that we’re all very bad at setting resolutions. The things we choose are too vague, too hard, or too external. That got me wondering: Could AI do any better? Specifically: Can I mine the vast treasure trove …

A small Finnish startup says it has done what the world’s biggest automakers are still struggling to do: put a solid-state battery into a production vehicle, starting with a motorcycle that can charge to more than 100 miles of range in as little as five minutes. “For the last 15 years, the entire battery industry in automotive has been talking about solid-state batteries—that they’re the future,” says Marko Lehtimäki, CEO of Donut Lab, the startup that makes the new battery. “But up until today, despite all the talk, there’s never been a single production vehicle that uses solid-state batteries. They’ve only been used at lab level.” Verge Motorcycles, an elect…

As CES 2026 gets underway, Havas Media Network North America is publishing its 2026 Predictions Forecast, outlining the forces we believe will define the year ahead and separate brands that grow from those that fade. This perspective is drawn directly from that report and grounded in what leaders are seeing, discussing, and debating in Las Vegas this week. CES has always been where the future shows up first. But walking the floors this year, one thing is unmistakable: The industry is no longer dazzled by what’s possible. It’s demanding proof of what works. As technology accelerates, consumer expectations fragment, and financial scrutiny intensifies, 2026 is…

We all think that we have great ideas. And we all tend to fall in love with our own ideas because, well, they’re ours. But most of my ideas—and yours—are probably mediocre. And no, that’s not an insult; it’s just a fact about the way most ideas are generated. I mean, if we were all genuinely spewing game-changers the world would be in a much different place than it is today. Most ideas are created without much thought or insight or pushback—and could probably benefit from people challenging them a lot more. Way too many ideas get approved that shouldn’t have made it out of the conference room, but with lack of time, energy, and questioning, they move forward at an al…