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Hours before Jeff Bezos and Lauren Sánchez Bezos take their places as sponsors and honorary chairs of the Met Gala—fashion’s glittery annual fundraiser in support of the Metropolitan Museum of Art’s Costume Institute—a different kind of fashion event was unfolding across town. Ahead of the gala, hundreds of workers, organizers, and advocates gathered in the Meatpacking District in downtown New York for the Ball Without Billionaires, a worker-led fashion show designed to contrast the one at the museum. Organized by a coalition of labor groups including the Service Employees International Union (SEIU), the Strategic Organizing Center, and the Amazon Labor Union, the event cast current and former workers from Amazon, Whole Foods, The Washington Post, Starbucks, and Uber as models—dressed by emerging, immigrant, and BIPOC designers like Cindy Castro, Abacaxi, Atashi, and Ricardo DSean. Actress and comedian Lisa Ann Walter and fashion editor Gabriella Karefa-Johnson co-hosted the Ball Without Billionaires. The ball’s message was straightforward. While the 2026 Met Gala’s theme is “Fashion Is Art,” the workers’ counter-theme was “Labor Is Art.” The ambience at the event was celebratory. Workers showed up in fabulous outfits and complimented each other on their looks. Before the runway show began, labor union activist April Verrett, who has served as president of the SEIU since 2024, took to the stage. “Every year, the Met Gala tells a story about who matters, who gets seen, who gets celebrated,” she said. “This year, we decided to center us. To make ourselves the heroes of our story, to celebrate ourselves and to live our joy out loud.” Amazon did not immediately respond to a request for comment. The Bezoses’ decision to sponsor this year’s gala—and serve as its honorary chairs alongside co-chairs Beyoncé, Nicole Kidman, and Venus Williams—has drawn significant backlash. New York City Mayor Zohran Mamdani announced he would skip the event, citing his focus on affordability. “Boycott the Bezos Met Gala” posters have appeared across the city in recent weeks, many referencing long-standing allegations of labor violations at Amazon’s warehouses. The Ball Without Billionaires brought together workers with a range of grievances. Among those who traveled to New York for the event was Angelita Soriano, a community organizer from Hobart, Indiana, who is fighting to halt a hyperscale Amazon data center that’s slated to be built across the street from residential homes. Anna WintourLauren Sánchez Bezos The planned facility would consist of 26 buildings operating around the clock, she says, raising concerns about water use, noise, and light pollution. “We’re just asking for them to prove it’s not going to hurt our homes, our environment—with third-party, independent research,” Soriano tells Fast Company. “And they’ve refused to do that.” Soriano says she made the trip to New York because she saw the action as a different form of advocacy. “It’s not just going to city council meetings or protesting outside,” she says. “It’s a different way to send out a message and to prove that people are paying attention.” She added that Amazon’s pushback—what she called “counter-propaganda” in the data center fight—was itself a sign that protesters were being heard. “We know they’re listening because they’re trying to push a different narrative,” Soriano says. The Ball Without Billionaires drew participants with concerns spanning labor conditions, climate, and community impact, but Soriano says a shared thread connected them all. “We’ve noticed Amazon has their hand in everything,” she says. “We need to push back and say enough is enough.” The event had a defiant but joyful energy, Soriano says. “Even though people may have been wronged, our culture is alive, our community is still alive. There’s power in the people.” View the full article

The promotion offers rate cuts as much as 25 basis points on new-home purchases as well as rate-and-term and cash-out refinance loans from May 4 through May 17. View the full article

"In looking at eight currently available proprietary RM products, there is a distinct relationship between HECM growth rates and proprietary product availability," Reverse Market Insight said. View the full article

Fashion’s biggest night out returns to New York City tonight as the Metropolitan Museum of Art prepares to welcome couture-wearing celebrities back to its steps. But as tech billionaires buy their way into the mainstream, the event is making headlines even before the kickoff, not for who might be the best dressed, but who is underwriting the festivities. Held the first Monday of every May, the Met Gala is an invitation-only benefit fundraiser in support of the Metropolitan Museum of Art’s Costume Institute. The gathering has become an iconic event, synonymous with status and fashion, with its organizer, Anna Wintour, filling the tables with celebrities and those wealthy enough to afford the $100,000 tickets. “Party like it’s 1939” But in the weeks leading up to this year’s event, which takes place tonight (Monday, May 4), members of the British activist group Everyone Hates Elon have taken to the streets of New York City to voice their opposition to the 2026 Met Gala’s lead sponsors: Lauren Sánchez and Jeff Bezos. Around the city, various ads have been hacked by the activist group, like one in a bus stop that now reads, “The Bezos Met Gala invites you to party like it’s 1939.” Below it is a picture of Bezos raising a flute of champagne, resembling Leonardo DiCaprio’s Gatsby, with the suggested dress code reading “willful ignorance.” In another ad, this one inside a subway car, a poster with the Met’s red colorway says, “Jeff Bezos Proudly Presents the Met x enabling ICE,” a reference to Immigration and Customs Enforcement, which uses Amazon’s AWS cloud services. A pop-up located in front of the Met includes a sign, which from afar looks like typical event-safety signage, along with a basket holding some empty plastic bottles—alluding to a class action lawsuit by Amazon drivers who alleged that they were forced to pee in bottles while working. The sign, labeled “Met Gala VIP Toilet,” says it is installed in honor of Bezos. “Go ahead, it’s good enough for his staff,” the plaque reads. The creative protests have even made their way inside the museum. Inside the Met Museum Gift Shop, the activist group placed parody merchandise, including “The Bezos Met Gala” decorative plates with taglines including “the world’s most expensive midlife crisis” and “from the man whose servers power ICE.” Fast Company reached out to the Met and reps for the Bezoses through their Bezos Earth Fund for comment. Everyone Hates Elon, which has amassed a large online following, describes itself as “pissing off billionaires, one small action at a time.” While the British group bears Elon Musk’s name, it has taken to publicly criticizing billionaires more broadly. Back in June last year, the group covered the Piazza San Marco in Venice with a massive banner in opposition to Bezos’s controversial wedding. Now, the group is showing up again in opposition of the Amazon founder. Some celebrities are skipping the Met glamour Activists are not the only ones voicing their opposition to this year’s Met Gala. While not all critics are publicly citing the gala’s controversial sponsors as their reason for skipping, many famous faces will be missing from the gathering, including Zendaya, Bella Hadid, and even Zohran Mamdani, despite past mayors attending. Meanwhile, several blocks down from the museum, activists also took to Bezos’s $80 million penthouse in NoMad, projecting a video message from a 72-year-old Amazon worker from North Carolina. “Remember Jeff, ordinary people like myself that help make you billionaires—if we built it, we can tear it down,” the worker, identified as Mary, says in the video. “Think about that tonight.” View the full article

If you’re starting out in video editing, choosing the right software can make all the difference. Various programs, like CyberLink PowerDirector and Filmora, provide user-friendly interfaces that simplify the editing process. Options such as ACDSee Luxea and Clipchamp cater to different needs and skill levels, ensuring accessibility for all beginners. Comprehending these tools can help you create engaging content with ease. Explore the standout features of each option to find the best fit for your projects. Key Takeaways User-Friendly Interface: Software like Filmora and WeVideo offer intuitive drag-and-drop functionality, making it easy for beginners to navigate and edit videos. Built-in Templates and Effects: Platforms such as Adobe Premiere Elements and Clipchamp provide pre-made templates and effects, simplifying the content creation process for new users. Accessibility Across Devices: Many editors, including CyberLink PowerDirector and WeVideo, are compatible with various devices, allowing edits from anywhere with an internet connection. Free Versions Available: ACDSee Luxea and Movavi Video Editor offer free trials or basic versions, enabling beginners to start editing without upfront costs. Comprehensive Learning Resources: Software like Movavi provides tutorials and guides, helping newcomers learn the ropes of video editing efficiently. CyberLink PowerDirector CyberLink PowerDirector is a robust video editing software that caters to both beginners and experienced editors. In many editing software reviews, it stands out as one of the easiest to use video editors available. With a sleek, user-friendly interface, you can navigate its features with ease. Available for a monthly subscription of $19.99 or an annual plan for $54.99, it’s a cheap film editing software option considering the extensive tools it offers. You’ll find AI effects, motion tracking, and screen recording capabilities, perfect for creating professional-quality videos. Even though it has a slight learning curve, its cross-device compatibility across Windows, Mac, iOS, and Android allows for flexible editing, making it an excellent choice for anyone looking to improve their video projects. ACDSee Luxea ACDSee Luxea is a great option for beginners, especially since it offers a free version packed with crucial features, allowing you to start video editing without spending a dime. You can easily capture screen recordings, perfect for creating tutorials or gaming videos. Nonetheless, keep in mind that the free version limits video exports to 1080p, so if you need higher resolutions, you might consider upgrading to the Pro version. Free Version Features If you’re looking for a solid entry point into video editing, ACDSee Luxea‘s free version offers an impressive array of features. With a fully featured toolset, you can explore various editing capabilities without any initial cost. The free version supports video exports capped at 1080p resolution, which is suitable for standard viewing but limits high-definition output. Furthermore, you can use the built-in screen recording feature, making it versatile for creating tutorials or presentations. On the other hand, keep in mind that exported videos will include watermarks, which might be a drawback if you’re aiming for professional-quality content. Finally, ACDSee Luxea is compatible exclusively with Windows, so Mac users will need to ponder other software options for their video editing needs. Screen Recording Capability For those venturing into video editing, the built-in screen recording capabilities of ACDSee Luxea provide a valuable tool for improving your projects. This feature allows you to capture your screen activities seamlessly during editing, making it ideal for tutorials and presentations. You can select specific regions of your screen or opt for full-screen capture, giving you flexibility in your content creation. The software supports various resolutions, including full HD, ensuring high-quality outputs. Moreover, ACDSee Luxea enables real-time editing of your recorded footage, allowing for immediate improvements and adjustments. Its user-friendly interface makes it accessible for beginners looking to create instructional videos or share gaming content, providing a straightforward approach to screen recording. Adobe Premiere Elements Adobe Premiere Elements is a popular choice among beginners looking to plunge into video editing, offering a user-friendly experience at a competitive price. With a one-time purchase, you can utilize the software for three years, making it a cost-effective option compared to other Adobe products. Here are some key features that make it appealing: Free trial available for new users. Compatible across multiple platforms. Built-in templates for various content types. Smooth progression to advanced tools like Premiere Pro. Suitable for novices and hobbyists. While it lays a solid foundation for beginners, some may find its complexity slightly challenging compared to simpler alternatives. Additionally, it lacks certain advanced features available in Premiere Pro. Clipchamp Clipchamp stands out as a user-friendly video editing tool, perfect for beginners and social media marketers alike. With its intuitive drag-and-drop interface and a variety of pre-designed templates, you can quickly create engaging content for platforms like YouTube and Instagram. Whereas it offers solid basic editing capabilities, keep in mind that it may not meet the needs of those looking for advanced features or high-resolution support. User-Friendly Interface When you’re looking for a video editing tool that’s easy to navigate, Clipchamp stands out with its user-friendly browser-based interface. You don’t need to install any software, making it accessible from any device. The drag-and-drop functionality simplifies importing video clips, images, and audio files into your projects, so you can start editing right away. Key features include: Intuitive layout that improves navigation Built-in tools for adding text, changes, and effects Streamlined editing process for beginners Direct upload to popular social media platforms A variety of templates particularly for social media content With these features, Clipchamp makes video editing straightforward, allowing you to create engaging videos without any hassle. Social Media Templates Creating engaging social media content is made simpler with the variety of customizable video templates available through Clipchamp. You can easily create videos for platforms like Instagram, TikTok, and Facebook. The drag-and-drop interface lets you add your media to templates and modify text, images, and audio quickly, giving each project a personal touch. Clipchamp likewise provides built-in stock footage, images, and music, so you won’t need to search for extra resources. When you’re ready to share, exporting your project in different aspect ratios guarantees your videos look great on any channel. Furthermore, features like AI-powered speech-to-text auto-captioning and voice-overs make it easier to produce professional-quality content, even as a beginner. Filmora Filmora is a robust video editing software customized for beginners who want to explore the domain of video creation without overwhelming intricacies. Its user-friendly design simplifies navigation, making editing tasks manageable. Here are some key features you’ll appreciate: Intuitive interface with no hidden menus, ensuring easy access to tools. A wide selection of effects, shifts, and filters for creative improvement. Support for 4K video editing and various aspect ratios, accommodating diverse projects. “Easy Mode” allows simple drag-and-drop editing, perfect for novices. One-time payment option for a lifetime license, starting at $68.98, making it budget-friendly. With Filmora, you’ll find it easier to bring your video ideas to life without unnecessary complications. Apple Imovie Apple iMovie stands out as a popular choice among beginner video editors, especially for those who use Apple devices. This free software comes pre-installed on all Apple products, making it easily accessible for Mac users. With a user-friendly interface, you can quickly learn fundamental editing techniques such as cutting, trimming, and adding transitions. iMovie likewise includes advanced tools like green-screen effects and picture-in-picture options, enabling you to explore more creative projects. Furthermore, it supports 4K video editing, which means you can create high-quality videos perfect for professional presentations or social media. The seamless integration with other Apple applications, like iTunes and GarageBand, allows you to incorporate music and soundtracks effortlessly into your videos. WeVideo WeVideo is a cloud-based editing platform that simplifies video creation for beginners through its user-friendly interface. With its drag-and-drop functionality, you can easily customize templates and add over 50 transitions and animated effects to improve your projects. Furthermore, features like screen capture and green screen removal make it versatile for various content needs, catering to both casual creators and more serious producers. Cloud-Based Editing Platform In today’s digital environment, using a cloud-based video editing platform like WeVideo can greatly boost your video production process. This tool enables you to create and edit videos directly in your web browser without installing software. Here are some key features that elevate your editing experience: Customizable video templates for quick starts Over 50 shifts and animated effects for engaging visuals Screen recording capabilities to capture content easily Green screen removal for professional-looking edits Flexible subscription tiers to fit various budgets With WeVideo, you can collaborate on projects and access your work from any internet-connected device. This makes it an ideal choice for beginners looking to create educational or interactive videos. User-Friendly Interface Features A user-friendly interface is crucial for beginners traversing the domain of video editing, and WeVideo stands out in this area. Its drag-and-drop interface simplifies the process of arranging video clips, images, and audio, eliminating the need for technical skills. You can choose from customizable video templates, allowing you to produce professional-looking videos by just filling in your content. With access to over 1 million stock assets in the built-in media library, enhancing your videos with quality visuals and music is effortless. The intuitive editing tools, including changes, text overlays, and effects, are straightforward for first-time users. Plus, WeVideo’s cloud-based platform enables seamless collaboration and editing from any device, making your video projects convenient and accessible. OpenShot When you’re looking for a video editing software that’s both potent and accessible, OpenShot stands out as an excellent choice. This free, open-source software is compatible with Windows, Mac, and Linux, making it widely available. Its user-friendly interface features drag-and-drop functionality, simplifying the editing process for beginners. Here are some key features of OpenShot: Supports various video, audio, and image formats. Offers unlimited tracks for complex projects. Includes 3D animations and video effects. Regular updates improve functionality without extra costs. Intuitive design helps you learn quickly. OpenShot equips you with professional-quality tools as your skills grow, allowing you to create impressive videos with ease. Movavi Video Editor Movavi Video Editor presents an intuitive platform for newcomers venturing into video editing. Its user-friendly interface features simple drag-and-drop functionality, making it accessible for beginners without prior editing experience. You can effortlessly work with various video formats and resolutions, ensuring compatibility with different media types. Movavi enriches your editing experience with a library of filters, changes, and built-in music, allowing for creative improvements without needing external resources. Furthermore, it offers a one-time payment option for a lifetime license, making it budget-friendly. To support your learning, the software includes helpful tutorials and guides, ensuring a smooth shift as you explore its capabilities. With Movavi, you’ll find a strong yet straightforward tool for your video editing needs. Nero Video For those just starting out in video editing, Nero Video offers an affordable and user-friendly option priced at $49.99. This software is crafted with beginners in mind, featuring a simple interface and crucial editing tools to help you create engaging videos. Here are some key highlights of Nero Video: Supports basic editing tasks like cutting and trimming Offers various transitions to improve your video flow Includes effects to add flair without overwhelming complexity Provides a budget-friendly basic version for $39.95 Guarantees a straightforward learning curve for new users With Nero Video, you can easily navigate the realm of video editing, making it a solid choice for those looking to start their video creation expedition. Frequently Asked Questions What Do Most Youtubers Use to Edit Their Videos? Most YouTubers use a variety of video editing software depending on their needs and skill levels. Popular choices include Wondershare Filmora and CyberLink Director for their user-friendly interfaces, whereas Adobe Premiere Pro caters to advanced users seeking professional features. Apple users often prefer iMovie for its seamless integration with macOS. Furthermore, entry-level editors like Clipchamp are favored for social media, and many creators start with free options like HitFilm Express or Movavi Video Editor. What Is the Easiest Program to Make a Video? When you’re looking to make a video easily, consider programs like Apple iMovie or Filmora. iMovie offers a straightforward interface with drag-and-drop features, perfect for beginners. Filmora, in contrast, includes an “Easy Mode” for quick edits. If you prefer browser-based options, try Clipchamp, which provides templates and a user-friendly experience. Each of these programs simplifies video creation, allowing you to focus on your content rather than complex software. Which Video Editing Software Should I Learn? When deciding which video editing software to learn, consider your goals and experience level. If you want user-friendly options, CyberLink PowerDirector and Wondershare Filmora are excellent choices for beginners. For Mac users, Apple iMovie offers vital tools at no cost. If you’re planning to advance your skills, Adobe Premiere Elements serves as a solid foundation. Finally, Clipchamp is great for quick edits customized for social media, making it easy to start creating engaging content. Is Capcut the Easiest Video Editing Software? CapCut is often considered one of the easiest video editing software options available. Its user-friendly drag-and-drop interface lets you edit videos quickly, without needing extensive experience. You’ll find a variety of templates and effects, making it easier to create polished content. Furthermore, CapCut’s built-in tools for text, music, and changes streamline the editing process. It’s compatible with multiple devices, providing flexibility for your editing needs, whether you’re on mobile or desktop. Conclusion In conclusion, choosing the right video editor can greatly improve your editing experience as a beginner. Options like CyberLink PowerDirector and Filmora provide user-friendly interfaces, whereas ACDSee Luxea and Clipchamp offer accessible features for quick edits. OpenShot and Movavi cater to diverse formats, ensuring versatility. With tools like Adobe Premiere Elements and Nero Video, you’ll find crucial functions for professional-looking results. Exploring these options will help you find the perfect fit for your video editing needs. Image via Google Gemini This article, "10 Easiest Video Editors to Use for Beginners" was first published on Small Business Trends View the full article

If you’re starting out in video editing, choosing the right software can make all the difference. Various programs, like CyberLink PowerDirector and Filmora, provide user-friendly interfaces that simplify the editing process. Options such as ACDSee Luxea and Clipchamp cater to different needs and skill levels, ensuring accessibility for all beginners. Comprehending these tools can help you create engaging content with ease. Explore the standout features of each option to find the best fit for your projects. Key Takeaways User-Friendly Interface: Software like Filmora and WeVideo offer intuitive drag-and-drop functionality, making it easy for beginners to navigate and edit videos. Built-in Templates and Effects: Platforms such as Adobe Premiere Elements and Clipchamp provide pre-made templates and effects, simplifying the content creation process for new users. Accessibility Across Devices: Many editors, including CyberLink PowerDirector and WeVideo, are compatible with various devices, allowing edits from anywhere with an internet connection. Free Versions Available: ACDSee Luxea and Movavi Video Editor offer free trials or basic versions, enabling beginners to start editing without upfront costs. Comprehensive Learning Resources: Software like Movavi provides tutorials and guides, helping newcomers learn the ropes of video editing efficiently. CyberLink PowerDirector CyberLink PowerDirector is a robust video editing software that caters to both beginners and experienced editors. In many editing software reviews, it stands out as one of the easiest to use video editors available. With a sleek, user-friendly interface, you can navigate its features with ease. Available for a monthly subscription of $19.99 or an annual plan for $54.99, it’s a cheap film editing software option considering the extensive tools it offers. You’ll find AI effects, motion tracking, and screen recording capabilities, perfect for creating professional-quality videos. Even though it has a slight learning curve, its cross-device compatibility across Windows, Mac, iOS, and Android allows for flexible editing, making it an excellent choice for anyone looking to improve their video projects. ACDSee Luxea ACDSee Luxea is a great option for beginners, especially since it offers a free version packed with crucial features, allowing you to start video editing without spending a dime. You can easily capture screen recordings, perfect for creating tutorials or gaming videos. Nonetheless, keep in mind that the free version limits video exports to 1080p, so if you need higher resolutions, you might consider upgrading to the Pro version. Free Version Features If you’re looking for a solid entry point into video editing, ACDSee Luxea‘s free version offers an impressive array of features. With a fully featured toolset, you can explore various editing capabilities without any initial cost. The free version supports video exports capped at 1080p resolution, which is suitable for standard viewing but limits high-definition output. Furthermore, you can use the built-in screen recording feature, making it versatile for creating tutorials or presentations. On the other hand, keep in mind that exported videos will include watermarks, which might be a drawback if you’re aiming for professional-quality content. Finally, ACDSee Luxea is compatible exclusively with Windows, so Mac users will need to ponder other software options for their video editing needs. Screen Recording Capability For those venturing into video editing, the built-in screen recording capabilities of ACDSee Luxea provide a valuable tool for improving your projects. This feature allows you to capture your screen activities seamlessly during editing, making it ideal for tutorials and presentations. You can select specific regions of your screen or opt for full-screen capture, giving you flexibility in your content creation. The software supports various resolutions, including full HD, ensuring high-quality outputs. Moreover, ACDSee Luxea enables real-time editing of your recorded footage, allowing for immediate improvements and adjustments. Its user-friendly interface makes it accessible for beginners looking to create instructional videos or share gaming content, providing a straightforward approach to screen recording. Adobe Premiere Elements Adobe Premiere Elements is a popular choice among beginners looking to plunge into video editing, offering a user-friendly experience at a competitive price. With a one-time purchase, you can utilize the software for three years, making it a cost-effective option compared to other Adobe products. Here are some key features that make it appealing: Free trial available for new users. Compatible across multiple platforms. Built-in templates for various content types. Smooth progression to advanced tools like Premiere Pro. Suitable for novices and hobbyists. While it lays a solid foundation for beginners, some may find its complexity slightly challenging compared to simpler alternatives. Additionally, it lacks certain advanced features available in Premiere Pro. Clipchamp Clipchamp stands out as a user-friendly video editing tool, perfect for beginners and social media marketers alike. With its intuitive drag-and-drop interface and a variety of pre-designed templates, you can quickly create engaging content for platforms like YouTube and Instagram. Whereas it offers solid basic editing capabilities, keep in mind that it may not meet the needs of those looking for advanced features or high-resolution support. User-Friendly Interface When you’re looking for a video editing tool that’s easy to navigate, Clipchamp stands out with its user-friendly browser-based interface. You don’t need to install any software, making it accessible from any device. The drag-and-drop functionality simplifies importing video clips, images, and audio files into your projects, so you can start editing right away. Key features include: Intuitive layout that improves navigation Built-in tools for adding text, changes, and effects Streamlined editing process for beginners Direct upload to popular social media platforms A variety of templates particularly for social media content With these features, Clipchamp makes video editing straightforward, allowing you to create engaging videos without any hassle. Social Media Templates Creating engaging social media content is made simpler with the variety of customizable video templates available through Clipchamp. You can easily create videos for platforms like Instagram, TikTok, and Facebook. The drag-and-drop interface lets you add your media to templates and modify text, images, and audio quickly, giving each project a personal touch. Clipchamp likewise provides built-in stock footage, images, and music, so you won’t need to search for extra resources. When you’re ready to share, exporting your project in different aspect ratios guarantees your videos look great on any channel. Furthermore, features like AI-powered speech-to-text auto-captioning and voice-overs make it easier to produce professional-quality content, even as a beginner. Filmora Filmora is a robust video editing software customized for beginners who want to explore the domain of video creation without overwhelming intricacies. Its user-friendly design simplifies navigation, making editing tasks manageable. Here are some key features you’ll appreciate: Intuitive interface with no hidden menus, ensuring easy access to tools. A wide selection of effects, shifts, and filters for creative improvement. Support for 4K video editing and various aspect ratios, accommodating diverse projects. “Easy Mode” allows simple drag-and-drop editing, perfect for novices. One-time payment option for a lifetime license, starting at $68.98, making it budget-friendly. With Filmora, you’ll find it easier to bring your video ideas to life without unnecessary complications. Apple Imovie Apple iMovie stands out as a popular choice among beginner video editors, especially for those who use Apple devices. This free software comes pre-installed on all Apple products, making it easily accessible for Mac users. With a user-friendly interface, you can quickly learn fundamental editing techniques such as cutting, trimming, and adding transitions. iMovie likewise includes advanced tools like green-screen effects and picture-in-picture options, enabling you to explore more creative projects. Furthermore, it supports 4K video editing, which means you can create high-quality videos perfect for professional presentations or social media. The seamless integration with other Apple applications, like iTunes and GarageBand, allows you to incorporate music and soundtracks effortlessly into your videos. WeVideo WeVideo is a cloud-based editing platform that simplifies video creation for beginners through its user-friendly interface. With its drag-and-drop functionality, you can easily customize templates and add over 50 transitions and animated effects to improve your projects. Furthermore, features like screen capture and green screen removal make it versatile for various content needs, catering to both casual creators and more serious producers. Cloud-Based Editing Platform In today’s digital environment, using a cloud-based video editing platform like WeVideo can greatly boost your video production process. This tool enables you to create and edit videos directly in your web browser without installing software. Here are some key features that elevate your editing experience: Customizable video templates for quick starts Over 50 shifts and animated effects for engaging visuals Screen recording capabilities to capture content easily Green screen removal for professional-looking edits Flexible subscription tiers to fit various budgets With WeVideo, you can collaborate on projects and access your work from any internet-connected device. This makes it an ideal choice for beginners looking to create educational or interactive videos. User-Friendly Interface Features A user-friendly interface is crucial for beginners traversing the domain of video editing, and WeVideo stands out in this area. Its drag-and-drop interface simplifies the process of arranging video clips, images, and audio, eliminating the need for technical skills. You can choose from customizable video templates, allowing you to produce professional-looking videos by just filling in your content. With access to over 1 million stock assets in the built-in media library, enhancing your videos with quality visuals and music is effortless. The intuitive editing tools, including changes, text overlays, and effects, are straightforward for first-time users. Plus, WeVideo’s cloud-based platform enables seamless collaboration and editing from any device, making your video projects convenient and accessible. OpenShot When you’re looking for a video editing software that’s both potent and accessible, OpenShot stands out as an excellent choice. This free, open-source software is compatible with Windows, Mac, and Linux, making it widely available. Its user-friendly interface features drag-and-drop functionality, simplifying the editing process for beginners. Here are some key features of OpenShot: Supports various video, audio, and image formats. Offers unlimited tracks for complex projects. Includes 3D animations and video effects. Regular updates improve functionality without extra costs. Intuitive design helps you learn quickly. OpenShot equips you with professional-quality tools as your skills grow, allowing you to create impressive videos with ease. Movavi Video Editor Movavi Video Editor presents an intuitive platform for newcomers venturing into video editing. Its user-friendly interface features simple drag-and-drop functionality, making it accessible for beginners without prior editing experience. You can effortlessly work with various video formats and resolutions, ensuring compatibility with different media types. Movavi enriches your editing experience with a library of filters, changes, and built-in music, allowing for creative improvements without needing external resources. Furthermore, it offers a one-time payment option for a lifetime license, making it budget-friendly. To support your learning, the software includes helpful tutorials and guides, ensuring a smooth shift as you explore its capabilities. With Movavi, you’ll find a strong yet straightforward tool for your video editing needs. Nero Video For those just starting out in video editing, Nero Video offers an affordable and user-friendly option priced at $49.99. This software is crafted with beginners in mind, featuring a simple interface and crucial editing tools to help you create engaging videos. Here are some key highlights of Nero Video: Supports basic editing tasks like cutting and trimming Offers various transitions to improve your video flow Includes effects to add flair without overwhelming complexity Provides a budget-friendly basic version for $39.95 Guarantees a straightforward learning curve for new users With Nero Video, you can easily navigate the realm of video editing, making it a solid choice for those looking to start their video creation expedition. Frequently Asked Questions What Do Most Youtubers Use to Edit Their Videos? Most YouTubers use a variety of video editing software depending on their needs and skill levels. Popular choices include Wondershare Filmora and CyberLink Director for their user-friendly interfaces, whereas Adobe Premiere Pro caters to advanced users seeking professional features. Apple users often prefer iMovie for its seamless integration with macOS. Furthermore, entry-level editors like Clipchamp are favored for social media, and many creators start with free options like HitFilm Express or Movavi Video Editor. What Is the Easiest Program to Make a Video? When you’re looking to make a video easily, consider programs like Apple iMovie or Filmora. iMovie offers a straightforward interface with drag-and-drop features, perfect for beginners. Filmora, in contrast, includes an “Easy Mode” for quick edits. If you prefer browser-based options, try Clipchamp, which provides templates and a user-friendly experience. Each of these programs simplifies video creation, allowing you to focus on your content rather than complex software. Which Video Editing Software Should I Learn? When deciding which video editing software to learn, consider your goals and experience level. If you want user-friendly options, CyberLink PowerDirector and Wondershare Filmora are excellent choices for beginners. For Mac users, Apple iMovie offers vital tools at no cost. If you’re planning to advance your skills, Adobe Premiere Elements serves as a solid foundation. Finally, Clipchamp is great for quick edits customized for social media, making it easy to start creating engaging content. Is Capcut the Easiest Video Editing Software? CapCut is often considered one of the easiest video editing software options available. Its user-friendly drag-and-drop interface lets you edit videos quickly, without needing extensive experience. You’ll find a variety of templates and effects, making it easier to create polished content. Furthermore, CapCut’s built-in tools for text, music, and changes streamline the editing process. It’s compatible with multiple devices, providing flexibility for your editing needs, whether you’re on mobile or desktop. Conclusion In conclusion, choosing the right video editor can greatly improve your editing experience as a beginner. Options like CyberLink PowerDirector and Filmora provide user-friendly interfaces, whereas ACDSee Luxea and Clipchamp offer accessible features for quick edits. OpenShot and Movavi cater to diverse formats, ensuring versatility. With tools like Adobe Premiere Elements and Nero Video, you’ll find crucial functions for professional-looking results. Exploring these options will help you find the perfect fit for your video editing needs. Image via Google Gemini This article, "10 Easiest Video Editors to Use for Beginners" was first published on Small Business Trends View the full article

Crypto-related stocks surged on Monday after news of a deal on a key stablecoin provision in the CLARITY Act, a U.S. crypto bill which has been stalled in Congress for months. The bill establishes a regulatory framework for digital commodities—”defined by the bill as digital assets that rely upon a blockchain for their value”—and would enable the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission to regulate cryptocurrencies. The Senate is planning a crypto markup later this month. Shares in Circle Internet Group (CRCL) rose over 18% in afternoon trading on Monday at the time of this writing, while Coinbase Global (COIN) surged 7%. Coinbase is a distributor in Circle’s USDC stablecoin. After months of negotiation between bank and cryptocurrency lobbies, Senators Thom Tillis (R-N.C.) and Angela Alsobrooks (D-Md.) finalized a bipartisan compromise on Friday to restrict stablecoin yield and rewards, in a bill that directs regulators to propose a new series of stablecoin regulations. The news was first reported by Punchbowl News. At issue is whether or not stablecoin issuers can offer yield-bearing products and other rewards, which could incentivize consumers away from depositing money in traditional banks, according to Reuters. Coinbase and other crypto companies have argued they need to offer some type of rewards to remain competitive. The updated, finalized language restricts crypto companies from paying out yields on stablecoin deposits, leaving that to traditional banks, but does allow rewards tied to trading, transactions, or staking, per CNBC. “In the end, the banks were able to get more restrictions on rewards, but we protected what matters, the ability for Americans to earn rewards, based on real usage of crypto platforms and networks,” Coinbase chief policy officer Faryar Shirzad posted on X; while Coinbase CEO Brian Armstrong added, “Mark it up.” President Donald ⁠The President has prioritized crypto reform during his ​second term in office. Critics have questioned his aggressive promotion of crypto-friendly reforms and initiatives, and whether the president and his family have a conflict of interest due to their personal stake in crypto investments. View the full article

What Is Job Management? Job management is a process used to plan, assign, schedule and track individual jobs from start to completion. It is commonly used in construction, manufacturing, maintenance and field service operations to coordinate work, control costs and ensure tasks are completed on time. It connects planning with execution by organizing resources, timelines and job data in one workflow. ProjectManager is an award-winning project management software that helps teams across industries plan, schedule and track work from start to finish. Create detailed job schedules, manage resources, monitor costs and compare planned versus actual performance with a full suite of powerful tools including Gantt charts, kanban boards, real-time dashboards and much more. Get started for free today. /wp-content/uploads/2024/03/Manufacturing-gantt-chart-light-mode-costs-exposed-cta-e1712005286389-1600x659.jpgLearn more What Industries Use Job Management? Across operations-driven environments, work is often organized into individual jobs that must be planned, scheduled and completed efficiently. Job management is used in industries where teams handle repeatable or service-based tasks, rely on coordination between people and resources and need clear visibility into progress, timelines and costs. Construction On any construction project, work is broken down into clearly defined jobs such as excavation, framing, electrical installation and inspections. Managing those jobs requires tight coordination between crews, subcontractors and equipment. Job management helps organize schedules, assign responsibilities, track progress and control costs so projects stay on timeline and avoid delays caused by miscommunication or poor planning. Manufacturing Production environments rely on repeatable jobs like machining, assembly and quality checks that must follow a precise sequence. Each job depends on materials, labor and machine availability, which creates scheduling pressure. Job management ensures that work orders are prioritized correctly, resources are allocated efficiently and production flows without bottlenecks that can slow output or increase operating costs. Field Service Management Service-based businesses operate around individual jobs such as repairs, installations and maintenance visits performed at customer locations. Dispatching technicians, managing service windows and tracking job status are critical for meeting stakeholder expectations. Job management allows teams to assign work quickly, monitor technician activity and close jobs efficiently while maintaining accurate records for billing and follow-ups. Maintenance and Facilities Management Ongoing operations depend on maintenance jobs like inspections, preventive servicing and emergency repairs to keep assets running. These tasks must be scheduled around usage, downtime and resource availability. Job management provides visibility into upcoming work, tracks completed tasks and helps teams respond faster to issues while reducing the risk of equipment failure or operational disruption. /wp-content/uploads/2026/04/Job-card-template-featured-image.jpg Get your free Job Card Template Use this free Job Card Template for Excel to manage your projects better. Download Excel File Job Management Phases Work doesn’t move forward by accident. Breaking jobs into structured phases gives teams a clear path from initial request to final delivery, helping coordinate resources, control costs and keep project timelines realistic as work progresses. Job Planning The process starts with job planning, where teams define the scope of work, identify required materials, assign responsibilities and outline how the job will be completed. Getting this step right prevents confusion later and gives everyone a clear understanding of what needs to happen before execution begins. Job Costing With the plan in place, attention shifts to job costing, which involves estimating labor, materials and equipment expenses tied to the work. Establishing accurate costs early helps set budgets, supports pricing decisions and reduces the likelihood of unexpected overruns during execution. Job Scheduling After costs are defined, job scheduling organizes tasks into a timeline and assigns them to the right people and resources. This step ensures that work happens in the correct sequence, avoids conflicts and keeps teams aligned on deadlines and priorities. Job Tracking As work progresses, job tracking provides visibility into what’s been completed, what’s in progress and what’s falling behind. Monitoring performance in real time allows teams to adjust workloads, resolve issues quickly and keep the job moving according to plan. Job Reporting Once the job is underway or completed, job reporting captures key details such as work performed, costs, issues and outcomes. These records support decision-making, help evaluate performance and provide documentation for billing, audits or future planning. What Is Job Management Software? Job management software is a digital tool used to plan, schedule, assign and track jobs from start to completion. It is commonly used in construction, manufacturing and field service operations to coordinate teams, manage workloads and monitor project progress in real time. It centralizes job data, helping teams stay organized and make faster decisions during execution. Key Features of Job Management Software Different tools support job execution in different ways, but most platforms are built around a core set of features that help teams plan work, organize tasks and maintain visibility as jobs move forward. Gantt Charts When timelines start getting complex, Gantt charts provide a clear visual of how jobs unfold over time. Teams can map out tasks, set durations and define dependencies between activities. This makes it easier to adjust schedules, prevent overlaps and keep work flowing in the right sequence as priorities or conditions change. /wp-content/uploads/2023/01/Gantt-Manufacturing-Light-2554x1372-1-1600x860.png Kanban Boards For teams managing multiple jobs at once, kanban boards offer a flexible way to track work as it moves through different stages. Tasks are organized into columns such as planned, in progress and completed, making it easy to spot bottlenecks and balance workloads without needing to constantly update detailed schedules. /wp-content/uploads/2023/01/Kanban-Manufacturing-Light-2554x1372-1-1600x860.png Task Lists At a more granular level, task lists break jobs down into actionable steps that can be assigned and tracked individually. Each task includes details like deadlines, assignees and status updates, giving teams a straightforward way to manage daily work and ensure nothing falls through the cracks during execution. /wp-content/uploads/2024/05/Sheet-light-mode-punch-list-construction-custom-columns-costs-hours--1600x875.png Job Tracking Dashboards As jobs move forward, dashboards give teams a real-time snapshot of progress, workload and performance across multiple jobs. Visual metrics make it easier to spot delays, monitor task completion and understand where attention is needed. Instead of digging through reports, teams can quickly assess status and make informed decisions to keep work on track. /wp-content/uploads/2026/04/ProjectManager-project-management-dashboard-online-1600x786.png Cost Estimating & Tracking Before work begins, a good job management software should allow users to estimate the cost of the resources needed to execute a job, including labor, materials, equipment and components. During execution, it should also compare estimated costs against actual job costs, helping teams determine whether they are staying within budget or impacting overall profitability. Resource Management Coordinating people and equipment requires tools that make resource allocation visible and manageable. Features like workload charts, timesheets and performance dashboards help teams assign work efficiently and monitor utilization. Tracking resource costs alongside availability allows organizations to balance workloads, avoid overuse and maintain control over expenses throughout the job lifecycle. Job Management Documents Clear documentation keeps jobs organized, repeatable and accountable. Each phase relies on specific documents to define scope, schedule work, track costs and record outcomes. Without them, teams rely on assumptions, which leads to delays, errors and budget issues. Standardized documents ensure consistency, improve communication and create reliable records for planning, execution and analysis. Job Planning Scope of Work: Describes what the job includes, outlining tasks, deliverables and boundaries so teams understand exactly what needs to be completed and what falls outside the job. Work Order: Provides a structured summary of the job, including instructions, assigned personnel and required resources, serving as the main reference for execution. Material Requisition Form: Lists materials needed for the job and authorizes their request, ensuring teams have what they need before work begins. Equipment List: Identifies tools and machinery required to complete the job, helping teams prepare and avoid delays caused by missing equipment. Resource Plan: Outlines how labor and equipment will be allocated, ensuring the right people and assets are available when needed. Job Scheduling Job Schedule: Organizes tasks into a timeline, showing when each activity should start and finish to keep work on track. Gantt Chart: Visualizes the job schedule with task durations and dependencies, making it easier to manage sequencing and adjust timelines. Work Plan: Breaks down the job into actionable steps with assigned responsibilities and deadlines to guide execution. Crew Schedule: Assigns workers to specific shifts or tasks, helping balance workloads and ensure coverage across the job. Shift Calendar: Maps out working hours and shifts over time, helping coordinate labor availability and avoid scheduling conflicts. Job Costing Cost Estimate Sheet: Calculates expected costs for labor, materials and equipment before the job starts to establish a budget. Job Cost Sheet: Tracks actual expenses as the job progresses, allowing teams to compare against estimates. Labor Cost Log: Records hours worked and associated wages to monitor labor spending throughout the job. Materials Cost Tracker: Tracks the cost and usage of materials to prevent overspending and ensure accurate accounting. Equipment Cost Log: Captures costs related to equipment usage, rental or maintenance tied to the job. Job Tracking Task List: Breaks the job into individual tasks that can be assigned and tracked to ensure steady progress. Timesheet: Records time spent by workers on tasks, providing visibility into labor usage and productivity. Progress Report: Summarizes the current status of the job, highlighting completed work and any delays. Daily Log: Documents day-to-day activities, issues and conditions to maintain a continuous record of job execution. Issue Log: Tracks problems that arise during the job and documents how they are resolved. Job Reporting Job Report: Provides a full summary of the job, including work performed, resources used and overall outcomes. Completion Report: Confirms that all job requirements have been met and documents final results. Performance Report: Evaluates how the job performed against schedule, cost and quality expectations. Downtime Report: Records periods when work stopped and explains the reasons, helping identify inefficiencies. Maintenance Report: Documents maintenance work completed, including actions taken and the condition of equipment afterward. Free Job Management Templates If you’re not ready for job management software yet, try exploring our library of free templates. We’ve created over 100 project management templates for Excel, Word and Google Sheets. Here are some that can help with job scheduling. Job Card Template A job card template helps teams document job details, including tasks, assigned workers, materials and status updates. It creates a clear record that improves communication, accountability and job tracking. Gantt Chart Template A Gantt chart template helps teams plan job timelines by organizing tasks, durations and dependencies in a visual schedule. It improves coordination, prevents delays and keeps work aligned. Kanban Board Template A kanban board template helps teams manage jobs by organizing tasks into visual workflow stages. It improves visibility, highlights bottlenecks and allows teams to track progress efficiently. ProjectManager Is a Robust Job Management Software ProjectManager is an online project management solution that provides a complete set of work planning, scheduling and tracking tools, including Gantt charts, kanban boards, task lists and real-time dashboards and reports. With these features, teams across industries can build detailed job schedules, assign resources and monitor progress, costs and timelines. ProjectManager also delivers AI-powered project insights to support better decision-making and connects with over 100 tools like Microsoft Project, Acumatica and Power BI. With its open API and wide range of integrations, organizations can seamlessly link ProjectManager to their existing systems. Watch the video below to learn more! Related Job Management Content How to Make a Job Cost Report for Construction Job Card Template What Is Job Costing? How to Make a Job Cost Sheet (Example Included) 10 Best Job Tracking Software of 2026 (Free & Paid) If you need a tool to help you manage projects, then signup for our software now at ProjectManager. Our online software helps teams across industries plan, track and oversee projects as they unfold. Sign up for a free 30-day trial today! The post Job Management: Phases, Tools & Documentation appeared first on ProjectManager. View the full article

A reader writes: As part of a leadership development opportunity offered by my organization, I’ve been given the chance to participate in a 360 review process. For context, I report to a member of the C-suite and have been angling for a promotion (which would entail a new role basically being created for me), and the 360 was brought up by my supervisor and our CEO as a growth investment. I consider myself to be very self aware, so most of the things that came up in the process are not surprising to me, but I’m also very sensitive to criticism, especially from higher-ups. I am very professional and am able to calmly hear the feedback when it’s given, but with this 360, I’m finding myself spiraling. I received the written summary and skimmed the positive, but have read and reread the criticisms. I’m devastated to see the critical feedback from C-suite members in particular, and now have a twofold challenge: one, how do I become better at hearing critical feedback without taking it so personally? And two, how do I get the most out of what is being billed as a leadership/growth opportunity and transform the critical elements of the 360 into something constructive? Years ago, I was coaching a manager with a similar sensitivity to criticism, who was similarly upset about the feedback in a 360. Interestingly, when I read it through, the majority of what was in there was positive, but she couldn’t stop focusing on the (relatively small amount of) things people thought she could do to improve, and she felt like a failure. I asked her to take a yellow highlighter and highlight everything positive — which left her with a document that was about 90% yellow, which made it visually impossible for her to ignore the actual balance of the input her colleagues had offered, despite what her brain had been trying to do. She has told me in recent years that she still keeps that highlighted document as a reminder for herself. Can you try something similar and see if that changes the way it’s landing with you? I’m sure you don’t think that you’re flawless or have no areas where you can grow, and if you can correctly place those areas within the broader context of all the things people say you do well, it generally gets a lot easier to feel comfortable with this type of document as a whole, and to see it realistically. The other thing is: we all have areas where we can do better, and it’s actually a favor for people to be willing to tell you what those are! I know the whole “feedback is a gift” framing feels cheesy … but feedback really is a gift if you’re someone who wants to get better and better at what you do. I was going to add “as long as they offer it reasonably politely,” but I actually think even feedback that’s not diplomatically stated can be a gift, if you choose to see the value in hearing unvarnished input. That’s true even when you disagree with the feedback — because, if nothing else, it gives you useful info about how you’re coming across to someone else. You might ultimately consider that info and decide it doesn’t matter, but it’s still valuable to have it. The post I’m terrible at receiving negative feedback — and am spiraling from my 360 review appeared first on Ask a Manager. View the full article

Hi, Reading some of the latest scam stories makes me think that everyone, no matter how informed and cautious, could fall for one. The ability to see the difference between the real and fake stuff is getting harder and harder, as technology is getting better. And this doesn't apply only to the quality of fake job ads, but also to the numerous candidates applying to jobs who are simply being filtered out of the search, no matter how good they would be for the job. Today, take some time to read the articles featured here, they're important. 👇 -Maja Our Favorite Articles 💯That Job Offer Might Be a Scam (The Guardian)AI-powered recruitment fraud is booming — deepfake recruiters, cloned LinkedIn profiles, and fake offers that are getting harder to spot every day. 👉​Learn more​. Why Your Job Is Harder to Replace Than You Think (Silicon Continent)A sharp counter to the AI doom narrative: firms don't buy tasks, they buy bundles, and that's actually good news for most white-collar workers. 👉​Read on​. 817 Applications. 16 Conversations. (James Gardner)A 20-year talent leader applied through the systems he helped build — and couldn't get through the front door. Essential if you're wondering why nobody's calling back. 👉​Read here​. The Year Companies Grow Without Hiring (College Recruiter)Companies are increasing revenue without adding headcount, and knowing what that means for your job search if you're early in your career is half the battle. 👉​Keep reading​. This Week's Sponsor 🙌Find your dream remote job without the hassle. 150,000+ roles, advanced search filters, and the ability to save searches and track applications. Try Remotive today​! Remotive Jobs 💼Let's get you hired! These great companies are hiring now: 💻 Engineering 👉​Senior DevOps Engineer at Lemon.io​ (Americas, Europe, Asia, Oceania) 👉​Head of Engineering at Lemon.io​ (USA timezones, European timezones) Free Guides & Tools​Premium Job Board​We curate 150,000+ fully remote jobs so you don't have to. ➡️ ​Find your remote job​ ​Job Search Tips​Looking for a remote job? Here are our tips to help you work remotely. ➡️ ​Check it out​ ​ Join the Remotive newsletter Subscribe to get our latest content by email. Success! Now check your email to confirm your subscription. There was an error submitting your subscription. Please try again. Email address Subscribe Powered by ConvertKit View the full article

Forget AI replacing human artists—The Devil Wears Prada 2 just proved that human artists can replace AI. The new movie, a long-awaited sequel to 2006’s The Devil Wears Prada, sees the return of star Meryl Streep as iconic fashion editor Miranda Priestly. It begins with Priestly in a PR crisis, sparking a slew of online hate. That includes memes like an image of Priestly dressed as a fast food worker captioned, “Would you like lies with that?” The image is only briefly on screen, and at first glance, many moviegoers assumed it was AI-generated. After all, on the internet of 2026, it most likely would be—an internet troll likely isn’t going out of their way to craft the image by hand. But after The Devil Wears Prada 2 hit theaters on May 1, digital artist Alexis Franklin took to social media to set the record straight: She’s the one who created the artwork, not AI, at the request of director David Frankel. On Instagram, Franklin posted the artwork along with a timelapse of her digital painting process. “Absolutely no disrespect to Queen Meryl, but this is something I would’ve painted in my free time, so when they asked me to do this it was nothing but fun,” she wrote in the caption. Franklin also shared her art on X, writing that her Instagram post had been “flooded with comments of relief that this gag in The Devil Wears Prada 2 was created by an actual human (me), so I figured I’d also post it here because I think these companies should get their flowers when they hire an artist.” ‘People do crave real art’: Social media celebrates human artists The story behind Franklin’s artwork quickly went viral, with her X post amassing 3.7 million views. Many users praised the Devil Wears Prada 2 team for staying true to the pro-artistry message of their film and hiring a human artist, even when using an AI-generated image would have made sense for the plot. “This is genuinely one of the coolest things I’ve seen a movie do,” reads one viral response. “Would’ve been so easy to AI generate something for the movie but they held themselves to a higher standard which I really really respect.” “People do crave real art and not AI slop and this is a proof,” wrote another user. A third user said they hope other films will follow in The Devil Wears Prada 2’s footsteps when it comes to telling stories about AI. “There’s a reason that it always disappoints me to no end when people assume that the only way to portray AI in a movie is by actually using AI,” they wrote. “Clearly alternatives always exist.” An accidental statement against AI Though social media largely assumed Franklin’s art was intentionally replicating AI’s signature art style, she’s since clarified that any similarities to AI were totally coincidental. In a series of follow-up posts on X, Franklin emphasized that she “was not told to mimic AI” and the aspects of her drawing people assumed were nods to AI, including the blurred lettering and font inconsistencies in the background, were just meant to be impressionistic. “I was just hired to create a cheap meme and the context of the movie has everyone, understandably, thinking I was emulating AI,” Franklin wrote. In an email to NBC News, Franklin said she understands where people’s suspicions come from, but that assuming human-made art is AI can have real, negative consequences for artists. “This mass hypervigilance prevails because people don’t want to be fooled, leading them to see signs on the walls that aren’t really there or that have very simple, reasonable explanations,” she wrote. “And it’s hard to know what the solution is.” “AI is so prevalent now, it feels like people have forgotten how it got that good—it studied us,” Franklin added. “The techniques it uses are ours!” View the full article

You don't necessarily need an app to see where an aircraft is at any given time—if you type the airline and flight number into Google, it'll show you the arrival and departure information and where it is en route based on data pulled from Flightview (which also has a standalone app). However, there are a handful of native and third-party flight trackers, both paid and free, that provide live updates and other alerts so you have the most current information when you travel, often faster than the airlines themselves. Here are five of my favorite recommendations. Flighty costs money but can be more accurate than your airline's own appFlighty is an iOS app with robust flight tracking features like real-time delays and cancellations and live updates shown on your lockscreen (as a Live Activity) for flights in progress, whether yours or someone else's. It's one of our favorite travel apps because it often has more current information than other sources, including airlines themselves. It also shows your plane's status starting 25 hours in advance. Most of these features require a paid subscription, which you can do by week ($5) if you don't travel often, or annually ($60) if you do. FlightAware is a flexible, free alternativeIf you don't want to pay for flight tracking and don't mind ads, you can get all the data you need with FlightAware. The free app allows you to search and track any flight in real time and set up custom alerts for departures, arrivals, cancellations, and more. You can see live progress to the destination and check for delays using the "Where's My Plane?" feature—plus, there's a global flight map, airport weather data, and other features for aviation nerds. FlightAware doesn't have a Live Activities integration, but it is an excellent no-cost tracker. FlightRadar24 integrates with iOS and AndroidFlightRadar24 is similar to FlightAware in terms of the information available, including historical data, real-time flight status, and arrivals and departures at any airport around the world. It, too, has far more detail than the casual flyer needs, but the basic features are free, including tracking with Live Activities (iOS) and Live Notifications (Android). Apple Messages offers built-in tracking for iOS usersMessages on iOS has a built-in flight tracking feature with real-time information about departures, arrivals, gate changes, and baggage claim numbers—and, if the flight is en route, a live map. To use it, you simply need to have texted yourself or someone else the flight number via iMessage (not SMS), meaning you can use Messages to track any flight. The flight info does have to be in one of a few specific formats, the simplest being airline + flight number (Delta 426, for example). Within the message, tap the underlined flight text to pull up the tracking info within Messages. This is a solid, if basic, free option for iOS, lacking both live updates and push notifications. Google Wallet shows flight status on the lock screen on AndroidIf you're an Android user, you can now see your own flight's live status on your always-on display and lockscreen. Google recently introduced Live Updates to Google Wallet—all you have to do is add your boarding pass, and tracking will pop up soon after your flight takes off. The icon shows flight duration, estimated arrival time, and progress to a destination. Obviously, this feature doesn't allow you to view other flights besides the one you're currently on, so it's not as useful for tracking flights more broadly. View the full article

On a March afternoon, artificial intelligence detected something resembling smoke on a camera feed from Arizona’s Coconino National Forest. Human analysts verified it wasn’t a cloud or dust, then alerted the state’s forest service and largest electric utility. One of dozens of AI cameras installed for the utility Arizona Public Service had spotted early signs of what came to be known as the Diamond Fire. Firefighters raced to the scene and contained the blaze before it grew past 7 acres (2.8 hectares). As record-breaking heat and an abysmal snowpack raise concerns about severe wildfires, states across the fire-prone West are adding AI to their wildfire detection toolbox, banking on the technology to help save lives and property. Arizona Public Service has nearly 40 active AI smoke-detection cameras and plans to have 71 by summer’s end, and the state’s fire agency has deployed seven of its own. Another utility, Xcel Energy in Colorado, has installed 126 and aims to have cameras in seven of the eight states it serves by year’s end. “Earlier detection means we can launch aircraft and personnel to it and keep those fires as small as we can,” said John Truett, fire management officer for the Arizona Department of Forestry and Fire Management. Where there are fewer eyes, AI looks for fires ALERTCalifornia is a network of some 1,240 AI-enabled cameras across the Golden State that work similar to the system in Arizona. Human intervention keeps the risk of false positives low and trains the technology to become more accurate, said Neal Driscoll, geology and geophysics professor at the University of California, San Diego, and founder of ALERTCalifornia. “The AI that’s being run on the cameras is actually beating 911 calls,” he said. In Arizona, California, and beyond, the technology is mostly used in high-risk areas that are sparsely populated, rural or remote, where a blaze might not be quickly spotted by human eyes. “It’s just the ones where we won’t get a 911 call for a long time, it is extremely helpful to have that AI always monitoring that camera,” said Brent Pascua, battalion chief for the California Department of Forestry and Fire Protection, or Cal Fire. “In many cases, we’ve started a response before 911 was even called, and in a few cases, we’ve actually started a response, went there, put the fire out, and never received a 911 call.” A technology driven by worsening blazes Pano AI, whose technology combines high-definition camera feeds, satellite data, and AI monitoring, has seen a growing interest in its cameras since launching in 2020. They’ve been deployed in Australia, Canada and 17 U.S. states, including Oregon, Washington and Texas. Its customers include forestry operations, government agencies and utilities, including Arizona Public Service. Last year, its technology detected 725 wildfires in the U.S., the company said. “In many of these situations, we hear from stakeholders that the visual intelligence, the time, really, really gives them a head start and some of these could have taken off into hundreds if not thousands of acres,” said Arvind Satyam, the company’s co-founder and chief commercial officer. Cindy Kobold, an Arizona Public Service meteorologist, said the technology notifies them about 45 minutes faster on average than the first 911 call. Satyam said development of the technology was driven by the lack of hardened solutions to combat worsening wildfires. Climate change — caused by burning oil, gas, and coal — is warming the planet and fueling dry conditions that supercharge infernos, making them burn hotter, faster, and more frequently. The technology helps firefighters to safely and effectively respond while protecting communities and infrastructure, he said. Challenges and limitations One of the biggest obstacles to implementation is the price tag; Pano AI, for instance, charges around $50,000 annually per camera. The cost also includes fire risk analysis and 24/7 intelligence center. False alarms present a challenge, which can be costly in terms of time and attention, said Patrick Roberts, a senior researcher with the nonprofit research group RAND who recently finished a project on accelerating innovation in wildfire management. And when the AI accurately detects a fire, it doesn’t tell stakeholders the best course of action. “Do you send help right away? Do you monitor? Should you worry about it? Where do you send help? Do you think about evacuation? All this still requires people and decision support systems,” said Roberts. In highly populated areas, people tend to spot and call in fires pretty quickly, and the tech is not so useful when extreme weather events, such as hurricane-force winds, intensify and rapidly shift the flames, as happened in Los Angeles last year. Pascua says the technology complements Cal Fire’s work. “As the fire moves and shifts around, that’s where the human factor comes in and decides which tactics are best in fighting the fire. AI can only do so much,” he said. “It just provides that real time information where we can make better decisions on the fire ground.” AI firefighting assistance is not limited to detection AI can also be employed to identify the best places to thin vegetation and burn cool fires, and even to monitor air quality for signs of smoke, just like your home’s carbon monoxide sensor, said Roberts, but “1,000 times more sensitive.” At George Mason University in Virginia, professor Chaowei “Phil” Yang is working with researchers from California State University of Los Angeles, the city of LA and NASA Jet Propulsion Laboratory to create a system that forecasts where a fire will burn and which communities will be hardest hit by smoke pollution. The idea is to give agencies real-time maps so they can make quick, life-saving decisions about evacuations, school and road closures, and send out early air quality warnings. Yang said they hope the technology will be operational in three years. “AI in wildfires, it’s no longer just speculative. It’s really being used,” said Roberts, and it’s use will only continue to grow. “The future is AI everywhere,” he said, “and the lines will blur between AI wildfire detection and just wildfire detection as the lines will blur in other areas of our life.” ___ The Associated Press receives support from the Walton Family Foundation for coverage of water and environmental policy. The AP is solely responsible for all content. For all of AP’s environmental coverage, visit https://apnews.com/hub/climate-and-environment —Dorany Pineda and Brittany Peterson, Associated Press View the full article

Comprehending the definition of a Limited Liability Company, or LLC, is essential for anyone pondering starting a business. An LLC offers personal liability protection for its members, meaning your personal assets are typically safe from business debts. It additionally allows profits to pass through to your personal tax return, avoiding double taxation. Nevertheless, there are benefits and drawbacks to evaluate. To make an informed decision, it’s important to explore how an LLC compares to other business structures. Key Takeaways An LLC, or Limited Liability Company, combines features of corporations and partnerships for operational flexibility and liability protection. Owners, known as members, enjoy personal liability protection against business debts, safeguarding their personal assets. LLCs benefit from pass-through taxation, meaning profits are taxed only on members’ personal tax returns, avoiding double taxation. Management can be either member-managed or manager-managed, offering flexibility in operational structure. Establishing an LLC requires filing Articles of Organization and creating an Operating Agreement to define roles and profit distribution. What Is a Limited Liability Company (LLC)? A Limited Liability Company (LLC) is a unique business structure that merges features of both corporations and partnerships, providing a blend of operational flexibility and personal liability protection for its owners, who are referred to as members. So, what’s meant by LLC? It’s a hybrid entity that allows profits to pass through to members’ personal tax returns, effectively avoiding the double taxation that corporations often face. An LLC can be owned by individuals, corporations, or even foreign entities, with no cap on the number of members involved. You have the option to manage an LLC either through its members or by appointed managers, offering significant operational flexibility. To form an LLC, you must file articles of organization with your state and might need to obtain an Employer Identification Number (EIN) for tax purposes. This structure effectively balances liability protection with operational ease. Benefits of an LLC Numerous advantages make forming a Limited Liability Company (LLC) an appealing choice for many entrepreneurs and small business owners. First and foremost, LLCs provide personal liability protection, ensuring your personal assets aren’t at risk for any business debts or legal obligations. You as well benefit from a flexible management structure, allowing for either member-managed or manager-managed operations, depending on your preferences. In addition, LLCs enjoy pass-through taxation, meaning profits are taxed only at the individual level, which helps you avoid the double taxation often faced by corporations. With fewer formalities and reporting requirements than corporations, maintaining your LLC is simpler, making it a practical option for busy entrepreneurs. Moreover, LLCs offer customizable profit distribution arrangements, enabling you to allocate earnings flexibly among members. If you’re interested, you can start your LLC in Texas by completing the LLC in Texas application online, making the process even more convenient. Drawbacks of an LLC Though Limited Liability Companies (LLCs) offer various benefits, there are also notable drawbacks that potential owners should reflect upon. One major issue is that LLCs may dissolve upon a member’s death or bankruptcy, complicating business continuity compared to corporations, which can exist indefinitely. Furthermore, you might face self-employment taxes on your earnings, increasing your tax burden relative to corporate structures. Without a well-defined operating agreement, roles can become unclear, leading to potential disputes among members. In addition, LLCs often have state-specific regulations and compliance requirements, including annual fees and reports, which add to the ongoing costs of maintaining your business. Finally, transferring membership typically requires approval from existing members, making ownership changes less flexible than in a corporation. When weighing the ltd vs llc choice, it’s crucial to reflect upon these drawbacks to make an informed decision. How to Start an LLC Starting an LLC involves several significant steps that lay the foundation for your business. First, choose a unique name that meets your state’s regulations and includes “LLC” or “Limited Liability Company.” Next, file the Articles of Organization with your state’s Secretary of State, including crucial details like your LLC’s name, address, and registered agent. After that, draft an Operating Agreement to clarify member roles and profit distribution. Don’t forget to obtain an Employer Identification Number (EIN) from the IRS for tax purposes and to open a business bank account. Finally, guarantee compliance with state regulations by acquiring any necessary licenses or permits and maintaining ongoing obligations. Here’s a quick overview of the steps: Step Description Choose a Business Name Verify it complies with state naming rules. File Articles of Organization Submit necessary documents to your state. Create an Operating Agreement Outline management and profit distribution. Obtain an EIN Required for taxes and banking. Guarantee Compliance Acquire licenses and maintain obligations. LLC vs. Corporation: Key Differences When comparing LLCs and corporations, grasping their key differences is vital for making informed business decisions. Here are some fundamental distinctions to reflect on: Ownership Structure: LLCs have members, whereas corporations have shareholders, affecting management and profit distribution. Management Flexibility: LLCs allow for member-managed or manager-managed options, whereas corporations require a board of directors and a structured hierarchy. Taxation: LLCs typically benefit from pass-through taxation, meaning profits are taxed only at the individual level, whereas corporations may face double taxation on profits. Ownership Transfer: LLCs offer more flexible ownership transfer governed by the operating agreement, whereas corporations have stricter regulations for transferring shares. Both LLCs and corporations provide limited liability protection, but corporations usually have more established legal precedents supporting this. Recognizing these differences can help you choose the right structure for your business. Frequently Asked Questions What Is an LLC Explained for Dummies? An LLC, or Limited Liability Company, combines benefits from corporations and partnerships. It protects your personal assets from business debts, meaning you’re not personally liable for losses. You can choose how it’s taxed, often avoiding double taxation. Forming an LLC involves selecting a unique name, filing Articles of Organization, and possibly creating an operating agreement. They’re flexible and require fewer formalities, making them ideal for small businesses and entrepreneurs. What Is a Simple Definition of LLC? An LLC, or Limited Liability Company, is a flexible business structure that combines personal liability protection with tax benefits. As a member, you enjoy limited liability, meaning your personal assets are typically safe from business debts. LLCs can be formed by one or more individuals or entities, and profits pass through to your personal tax return, avoiding double taxation. To establish an LLC, you file articles of organization and designate a registered agent for legal matters. What Is the Biggest Disadvantage of an LLC? The biggest disadvantage of an LLC is often the self-employment tax liability. If you actively participate in the business, your profits are subject to this tax, which can be significant. Moreover, LLCs can incur higher startup and maintenance costs compared to other business structures. Limited ownership transferability complicates succession planning, and raising capital may prove challenging since investors frequently prefer more established entities like corporations. Proper maintenance is vital to protect personal assets from business liabilities. What Are Three Things That LLCS Are Not Required to Do? LLCs aren’t required to hold annual meetings, which simplifies their management. You likewise don’t need to maintain extensive corporate records, unlike corporations. Furthermore, LLCs don’t have to file separate federal tax returns; profits are typically reported on your personal tax return, allowing for pass-through taxation. Although it’s advisable to have an operating agreement for clarity, it’s not mandatory, providing you with flexibility in managing your business structure. Conclusion In conclusion, a Limited Liability Company (LLC) offers a blend of liability protection and tax advantages, making it an attractive option for many business owners. As it provides benefits like flexible management and pass-through taxation, it is crucial to evaluate potential drawbacks, such as varying regulations and self-employment taxes. Starting an LLC involves specific steps, and grasping the differences between an LLC and a corporation can further guide your decision. With the right information, you can make an informed choice for your business structure. Image via Google Gemini This article, "Understanding the Company LLC Definition: A Simple Guide" was first published on Small Business Trends View the full article

Comprehending the definition of a Limited Liability Company, or LLC, is essential for anyone pondering starting a business. An LLC offers personal liability protection for its members, meaning your personal assets are typically safe from business debts. It additionally allows profits to pass through to your personal tax return, avoiding double taxation. Nevertheless, there are benefits and drawbacks to evaluate. To make an informed decision, it’s important to explore how an LLC compares to other business structures. Key Takeaways An LLC, or Limited Liability Company, combines features of corporations and partnerships for operational flexibility and liability protection. Owners, known as members, enjoy personal liability protection against business debts, safeguarding their personal assets. LLCs benefit from pass-through taxation, meaning profits are taxed only on members’ personal tax returns, avoiding double taxation. Management can be either member-managed or manager-managed, offering flexibility in operational structure. Establishing an LLC requires filing Articles of Organization and creating an Operating Agreement to define roles and profit distribution. What Is a Limited Liability Company (LLC)? A Limited Liability Company (LLC) is a unique business structure that merges features of both corporations and partnerships, providing a blend of operational flexibility and personal liability protection for its owners, who are referred to as members. So, what’s meant by LLC? It’s a hybrid entity that allows profits to pass through to members’ personal tax returns, effectively avoiding the double taxation that corporations often face. An LLC can be owned by individuals, corporations, or even foreign entities, with no cap on the number of members involved. You have the option to manage an LLC either through its members or by appointed managers, offering significant operational flexibility. To form an LLC, you must file articles of organization with your state and might need to obtain an Employer Identification Number (EIN) for tax purposes. This structure effectively balances liability protection with operational ease. Benefits of an LLC Numerous advantages make forming a Limited Liability Company (LLC) an appealing choice for many entrepreneurs and small business owners. First and foremost, LLCs provide personal liability protection, ensuring your personal assets aren’t at risk for any business debts or legal obligations. You as well benefit from a flexible management structure, allowing for either member-managed or manager-managed operations, depending on your preferences. In addition, LLCs enjoy pass-through taxation, meaning profits are taxed only at the individual level, which helps you avoid the double taxation often faced by corporations. With fewer formalities and reporting requirements than corporations, maintaining your LLC is simpler, making it a practical option for busy entrepreneurs. Moreover, LLCs offer customizable profit distribution arrangements, enabling you to allocate earnings flexibly among members. If you’re interested, you can start your LLC in Texas by completing the LLC in Texas application online, making the process even more convenient. Drawbacks of an LLC Though Limited Liability Companies (LLCs) offer various benefits, there are also notable drawbacks that potential owners should reflect upon. One major issue is that LLCs may dissolve upon a member’s death or bankruptcy, complicating business continuity compared to corporations, which can exist indefinitely. Furthermore, you might face self-employment taxes on your earnings, increasing your tax burden relative to corporate structures. Without a well-defined operating agreement, roles can become unclear, leading to potential disputes among members. In addition, LLCs often have state-specific regulations and compliance requirements, including annual fees and reports, which add to the ongoing costs of maintaining your business. Finally, transferring membership typically requires approval from existing members, making ownership changes less flexible than in a corporation. When weighing the ltd vs llc choice, it’s crucial to reflect upon these drawbacks to make an informed decision. How to Start an LLC Starting an LLC involves several significant steps that lay the foundation for your business. First, choose a unique name that meets your state’s regulations and includes “LLC” or “Limited Liability Company.” Next, file the Articles of Organization with your state’s Secretary of State, including crucial details like your LLC’s name, address, and registered agent. After that, draft an Operating Agreement to clarify member roles and profit distribution. Don’t forget to obtain an Employer Identification Number (EIN) from the IRS for tax purposes and to open a business bank account. Finally, guarantee compliance with state regulations by acquiring any necessary licenses or permits and maintaining ongoing obligations. Here’s a quick overview of the steps: Step Description Choose a Business Name Verify it complies with state naming rules. File Articles of Organization Submit necessary documents to your state. Create an Operating Agreement Outline management and profit distribution. Obtain an EIN Required for taxes and banking. Guarantee Compliance Acquire licenses and maintain obligations. LLC vs. Corporation: Key Differences When comparing LLCs and corporations, grasping their key differences is vital for making informed business decisions. Here are some fundamental distinctions to reflect on: Ownership Structure: LLCs have members, whereas corporations have shareholders, affecting management and profit distribution. Management Flexibility: LLCs allow for member-managed or manager-managed options, whereas corporations require a board of directors and a structured hierarchy. Taxation: LLCs typically benefit from pass-through taxation, meaning profits are taxed only at the individual level, whereas corporations may face double taxation on profits. Ownership Transfer: LLCs offer more flexible ownership transfer governed by the operating agreement, whereas corporations have stricter regulations for transferring shares. Both LLCs and corporations provide limited liability protection, but corporations usually have more established legal precedents supporting this. Recognizing these differences can help you choose the right structure for your business. Frequently Asked Questions What Is an LLC Explained for Dummies? An LLC, or Limited Liability Company, combines benefits from corporations and partnerships. It protects your personal assets from business debts, meaning you’re not personally liable for losses. You can choose how it’s taxed, often avoiding double taxation. Forming an LLC involves selecting a unique name, filing Articles of Organization, and possibly creating an operating agreement. They’re flexible and require fewer formalities, making them ideal for small businesses and entrepreneurs. What Is a Simple Definition of LLC? An LLC, or Limited Liability Company, is a flexible business structure that combines personal liability protection with tax benefits. As a member, you enjoy limited liability, meaning your personal assets are typically safe from business debts. LLCs can be formed by one or more individuals or entities, and profits pass through to your personal tax return, avoiding double taxation. To establish an LLC, you file articles of organization and designate a registered agent for legal matters. What Is the Biggest Disadvantage of an LLC? The biggest disadvantage of an LLC is often the self-employment tax liability. If you actively participate in the business, your profits are subject to this tax, which can be significant. Moreover, LLCs can incur higher startup and maintenance costs compared to other business structures. Limited ownership transferability complicates succession planning, and raising capital may prove challenging since investors frequently prefer more established entities like corporations. Proper maintenance is vital to protect personal assets from business liabilities. What Are Three Things That LLCS Are Not Required to Do? LLCs aren’t required to hold annual meetings, which simplifies their management. You likewise don’t need to maintain extensive corporate records, unlike corporations. Furthermore, LLCs don’t have to file separate federal tax returns; profits are typically reported on your personal tax return, allowing for pass-through taxation. Although it’s advisable to have an operating agreement for clarity, it’s not mandatory, providing you with flexibility in managing your business structure. Conclusion In conclusion, a Limited Liability Company (LLC) offers a blend of liability protection and tax advantages, making it an attractive option for many business owners. As it provides benefits like flexible management and pass-through taxation, it is crucial to evaluate potential drawbacks, such as varying regulations and self-employment taxes. Starting an LLC involves specific steps, and grasping the differences between an LLC and a corporation can further guide your decision. With the right information, you can make an informed choice for your business structure. Image via Google Gemini This article, "Understanding the Company LLC Definition: A Simple Guide" was first published on Small Business Trends View the full article

You might remember ZenBooths—Amazon’s contribution to corporate well-being. These were booths installed in the middle of warehouses, equipped with a fan, a potted plant, and a monitor playing meditation videos. The company called them mindful practice rooms. Employees called them despair chambers. The internet called them coffins for workers—workers who, incidentally, didn’t even have time to use the bathroom because of crushing productivity demands. ZenBooths are, I think, a fitting metaphor for modern corporate wellness. According to Gallup, employee engagement dropped to 20% in 2025—the lowest it’s been since the COVID-19 lockdowns. Companies are pouring money into all kinds of initiatives, convinced they’re building attractive workplaces, while their employees quietly disengage. Why is this happening, and what can we do about it? Here are a few observations from my own experience. STRESS AS A SYMPTOM OF POOR MANAGEMENT University of Oxford researchers analyzed data from more than 46,000 employees, comparing those who used corporate wellness programs with those who didn’t. None of the practices produced any meaningful improvement in employee well-being. Wellness programs rest on a simple assumption: if someone is stressed, give them a tool to relax. The problem is that this approach treats symptoms while ignoring the conditions that cause the stress in the first place. Those conditions—surprise—tend to be unrealistic workloads, micromanagement, a lack of feedback, and messages landing in inboxes after hours. Employees feel all of this through their daily interactions with their manager: how tasks get assigned, how they measure performance, and whether working hours are respected. In a separate study, Gallup found that employees who view their team’s management practices as ineffective are roughly 60% more likely to report high levels of stress. If your team has is less proactive and burning out faster, the problem almost certainly isn’t a shortage of wellness programs. Moments like these are a signal for managers to take a hard look at their own decisions first. A SUPPORTIVE MANAGER IS THE KEY TO TEAM WELL-BEING I manage a team of 90 people. Until 2022, we worked out of an office in the Ukrainian city of Kherson and were firm believers in in-person collaboration. Our health check surveys consistently show the sense of connection we built over 10 years of working side by side motived people most. Russia’s full-scale invasion of Ukraine forced us to scatter across different cities and countries, and we moved to fully remote working. I had to introduce new online formats to keep people engaged: regular one-to-ones with team leads, short team syncs focused on priorities and blockers, and open Q&A sessions where the team could ask about decisions and changes in the way we work. We can’t hold in-person events right now, but we’ve still managed to preserve a healthy atmosphere despite the distance and the limited opportunities for team building. Here are the five approaches I’ve found most effective. 1. Cover the basics. A reasonable workload, a flexible schedule, and fair pay aren’t perks—they’re the foundation. If a person can’t take sick leave without it costing them, no wellness tool will relieve the pressure. In our case, the most basic need after the war began was physical safety. I understood that no one could be productive while they or their loved ones were under bombardment. So, until every member of the team had settled somewhere safe, I redistributed work, flexed our processes, and personally helped people with relocation. Our clients didn’t notice. 2. Be a coach, not a controller. Delegate the task and the right to choose how it gets done. That kind of autonomy makes people feel they’re shaping the outcome, not just following instructions—and that has a direct impact on engagement. A couple of years back, I had a complex technical problem on my hands. My first instinct was to pick the solution myself, but I handed it to my development team instead. They chose their own approach and delivered a stunning result. 3. Lead by example. If you send emails at midnight and never take vacation or sick days, your team reads that as the norm. Talking about work-life balance is worthless when the manager’s actions say the opposite. When leaders model healthy habits, it defines the culture for everyone else. 4. Be interested in people, not just tasks. We run check-in meetings where team members can share how they’re doing in general, and watercooler meetings where we talk about anything except work. It helps a manager stay in touch with the team and catch things before they become problems. Even in first interviews, I personally ask candidates more questions about their lives than about their work. 5. Don’t be afraid to hear the truth about yourself. Most managers never get honest feedback on their work—not because everything is perfect, but because there’s no real channel for it. People won’t air their concerns in all-hands meetings. That’s why I hold regular one-to-ones and actively seek input from the team. Whatever doesn’t come up in those conversations, we surface through anonymous surveys and team health checks. Companies that take employee well-being seriously start with an honest question: Are our managers creating an environment where people want to work? The best wellness program is a working environment you don’t constantly need to recover from. Illia Smoliienko is the chief software officer at Waites. View the full article

In a stark reminder of the vigilance required in managing federal relief programs, Marcus Eichelberger, a former pastor from Jacksonville, Florida, faces serious legal consequences for alleged wire fraud tied to the Paycheck Protection Program (PPP). The case highlights ongoing challenges for small business owners navigating relief programs designed to support them amid financial uncertainty. Eichelberger was indicted on four counts of wire fraud, which carries a potential sentence of up to 20 years in federal prison for each count. The indictment alleges that between March 2021 and February 2022, he and an associate submitted false applications for PPP loans. They purportedly claimed the funds would be used to maintain payroll and operational expenses for an unqualified business. Instead, the funds were allegedly diverted for personal use. U.S. Attorney Gregory W. Kehoe commented on the case, emphasizing the government’s commitment to safeguarding taxpayer-funded programs. “The U.S. Attorney’s Office is committed to prosecuting those who use fraud and deception to exploit our nation’s federal benefits programs,” he said. Such statements reinforce the growing scrutiny on loan applications, especially in the wake of widespread fraud in relief programs during the pandemic. The alleged activities surrounding Eichelberger’s case serve as a crucial alert for small business owners. The PPP was designed to offer financial relief during the COVID-19 pandemic, but the influx of funds also opened avenues for fraudulent claims. For entrepreneurs, this means that they must be particularly diligent in documenting and using funds according to the requirements set by the SBA. Moreover, the case is part of a larger investigative effort spearheaded by the Department of Justice’s National Fraud Enforcement Division, which aims to combat misuse of taxpayer dollars. “This case demonstrates the VA OIG’s unwavering commitment to detecting and preventing fraud,” remarked Special Agent in Charge David Spilker of the VA Office of Inspector General’s Southeast Field Office. This pronouncement not only underlines the seriousness of the allegations but also highlights the collaborative approach government agencies are taking to address fraud. While the PPP provided financial lifelines to many businesses, small business owners must consider the implications of this surveillance. Compliance with federal guidelines is paramount; failing to do so can lead to severe penalties, including prosecution. Misunderstanding the eligibility criteria or misusing the funds can result in not just repayment demands but significant criminal charges. Further complicating matters for small businesses, the landscape of federal aid continues to evolve. With new rounds of funding being introduced, being informed about the rules is essential. Keeping abreast of updates from the SBA and other relevant agencies can provide clarity, though navigating the details remains an ongoing challenge. Additionally, courts have reaffirmed the presumption of innocence until proven guilty, which is vital in cases like that of Eichelberger. Nevertheless, this underscores the fact that the burden of proof lies with individuals seeking federal funds. Detailed documentation and transparency are non-negotiable. For small business owners looking to secure funds through federal programs, diligence is key. It is not just essential to fill out the application properly; careful attention must be paid to how those funds are spent. Failure to comply could open a floodgate of issues, potentially endangering the very existence of a business that relies on such financial assistance. As the Department of Justice continues its crackdown on fraud, the consequences will likely resonate beyond those accused. Small business owners must remain aware of their responsibilities, the evolving regulatory environment, and the importance of ethical practices in securing federal funding. For more information on this case and ongoing fraud prevention efforts, you can visit the original U.S. Department of Justice press release here. Additionally, updates on SBA guidelines and related news can be found by signing up for the SBA OIG email updates here. Image via Google Gemini This article, "Former Jacksonville Pastor Indicted for Fraud in PPP Loan Scheme" was first published on Small Business Trends View the full article

In a stark reminder of the vigilance required in managing federal relief programs, Marcus Eichelberger, a former pastor from Jacksonville, Florida, faces serious legal consequences for alleged wire fraud tied to the Paycheck Protection Program (PPP). The case highlights ongoing challenges for small business owners navigating relief programs designed to support them amid financial uncertainty. Eichelberger was indicted on four counts of wire fraud, which carries a potential sentence of up to 20 years in federal prison for each count. The indictment alleges that between March 2021 and February 2022, he and an associate submitted false applications for PPP loans. They purportedly claimed the funds would be used to maintain payroll and operational expenses for an unqualified business. Instead, the funds were allegedly diverted for personal use. U.S. Attorney Gregory W. Kehoe commented on the case, emphasizing the government’s commitment to safeguarding taxpayer-funded programs. “The U.S. Attorney’s Office is committed to prosecuting those who use fraud and deception to exploit our nation’s federal benefits programs,” he said. Such statements reinforce the growing scrutiny on loan applications, especially in the wake of widespread fraud in relief programs during the pandemic. The alleged activities surrounding Eichelberger’s case serve as a crucial alert for small business owners. The PPP was designed to offer financial relief during the COVID-19 pandemic, but the influx of funds also opened avenues for fraudulent claims. For entrepreneurs, this means that they must be particularly diligent in documenting and using funds according to the requirements set by the SBA. Moreover, the case is part of a larger investigative effort spearheaded by the Department of Justice’s National Fraud Enforcement Division, which aims to combat misuse of taxpayer dollars. “This case demonstrates the VA OIG’s unwavering commitment to detecting and preventing fraud,” remarked Special Agent in Charge David Spilker of the VA Office of Inspector General’s Southeast Field Office. This pronouncement not only underlines the seriousness of the allegations but also highlights the collaborative approach government agencies are taking to address fraud. While the PPP provided financial lifelines to many businesses, small business owners must consider the implications of this surveillance. Compliance with federal guidelines is paramount; failing to do so can lead to severe penalties, including prosecution. Misunderstanding the eligibility criteria or misusing the funds can result in not just repayment demands but significant criminal charges. Further complicating matters for small businesses, the landscape of federal aid continues to evolve. With new rounds of funding being introduced, being informed about the rules is essential. Keeping abreast of updates from the SBA and other relevant agencies can provide clarity, though navigating the details remains an ongoing challenge. Additionally, courts have reaffirmed the presumption of innocence until proven guilty, which is vital in cases like that of Eichelberger. Nevertheless, this underscores the fact that the burden of proof lies with individuals seeking federal funds. Detailed documentation and transparency are non-negotiable. For small business owners looking to secure funds through federal programs, diligence is key. It is not just essential to fill out the application properly; careful attention must be paid to how those funds are spent. Failure to comply could open a floodgate of issues, potentially endangering the very existence of a business that relies on such financial assistance. As the Department of Justice continues its crackdown on fraud, the consequences will likely resonate beyond those accused. Small business owners must remain aware of their responsibilities, the evolving regulatory environment, and the importance of ethical practices in securing federal funding. For more information on this case and ongoing fraud prevention efforts, you can visit the original U.S. Department of Justice press release here. Additionally, updates on SBA guidelines and related news can be found by signing up for the SBA OIG email updates here. Image via Google Gemini This article, "Former Jacksonville Pastor Indicted for Fraud in PPP Loan Scheme" was first published on Small Business Trends View the full article

The music industry has seen disruption before. Vinyl gave way to cassettes, CDs to Napster, downloads to streaming. Each shift rewired how the music industry distributes and monetizes songs but did not change what music fundamentally is or the fact that humans have always created it. Artificial intelligence doesn’t just change how music moves. It challenges who owns it and who gets paid for it. The real threat of AI isn’t that it can make songs. It’s that it reveals how fragile the music industry is. For years, artists have operated inside a system where millions of streams translate into fractions of a cent, algorithms dictate visibility, and ownership is often diluted long before a song reaches an audience. The conversation around AI is not a battle between humans and machines over creativity. It’s a structural shift that puts the entire artist economy at risk, and how we respond will determine if AI expands opportunities or quietly erodes them. AUTOMATION, ACCOUNTABILITY AND CONTROL At its best, AI is a powerful equalizer. For emerging artists without teams or budgets, it reduces the friction of getting started. What once required a label infrastructure can now be assembled independently. Tools can generate press materials, build websites, create visuals, and help develop production ideas. That matters because access, not talent, has been the primary barrier to entry into music for decades. Used responsibly, AI doesn’t replace creativity. It gives artists more time to focus on what’s needed to build their careers: songwriting, live performances, and audience connection. But that’s only one side of the equation. The biggest threat AI poses to music isn’t that it can create songs. It’s that it can do so without clear ownership, consent, or compensation. We’re entering a moment where automation is outpacing accountability, and creators lose when that happens. The real issue is control: who owns the inputs, who profits from the outputs, and who gets displaced in between. If streaming platforms can’t distinguish between human and machine-generated content, what happens to already fragile royalty systems? Who owns the output if an AI model is trained on decades of recorded music and artist catalogs without permission? Who gets paid when a fully AI-generated track goes viral? AI-generated content can also inflate streams, manipulate metrics, and create the appearance of traction without any tangible audience connection. Growing the illusion of popularity is not real success, and that distortion has real consequences for who gets signed, booked, and funded in a business already driven by data. If AI platforms won’t distinguish between human and machine-generated content, the value of human labor in music doesn’t just decline; it becomes optional. AI CANNOT CARRY AN AMP While much of the conversation focuses on creation, the music economy runs on people: sound engineers, lighting designers, tour managers, road crews, venue operators, and staff. These roles don’t just support music; they are the infrastructure. Music has never just been about the product. It’s about the experience. Experts predict the global live music market will surge to a $60+ billion industry in the coming decade, as digital content and experiences become infinitely more abundant, making physical experiences and real-world connections much more valuable. AI can generate a song in seconds, but it can’t replicate the electricity of a live performance. It can’t replicate the deep connections between an artist and their fans, or the ecosystem of workers who make that moment happen. It can’t develop a fan base over years of touring or create the shared, unpredictable, and imperfect moments that turn listeners into communities. And it definitely can’t load a truck at 2 a.m., tune a guitar, or run a festival. If anything, AI makes those human elements even more important. TEST WHAT WE VALUE The rise of AI in music is forcing deeper questions around what we value in art. If the answer is efficiency, AI will win. But that’s the whole point and beauty of art; it’s not about efficiency; it’s about connection, storytelling, and shared experiences. The market is giving us signals. Even as AI-generated music becomes more polished, audiences are doubling down on live experiences from stadium tours to intimate listening rooms. That’s not because we can’t access music digitally; it’s because we’re searching for something digital can’t provide. For all the noise around AI, the most important decisions about the future of music won’t happen in code. They’ll happen in venues, local scenes, and in the infrastructure that supports artists long before and after their music is released. The question isn’t whether AI belongs in music because it already does. The question is whether we’re willing to invest in the human systems that make music matter in the first place. Because if we’re not, AI won’t need to replace artists. It will simply outcompete an ecosystem we allowed to weaken on its own. GOVERNANCE AND BUILDING AN ARTIST-CENTERED AI FUTURE We are allowing AI to build a new layer of infrastructure—one that can replicate, remix, and redistribute creative work at scale without clearly defining the rules of participation. The goal isn’t to resist AI. The goal is to shape how it integrates into the music ecosystem. AI should expand what’s possible for artists, not dilute what makes them valuable. That starts with a few clear priorities: Establish real guardrails around authorship and consent. Artists should have control over how their work is used to train AI systems. Invest in workforce development, not just technology. The future of music jobs depends on reskilling, not replacement. Prioritize tools that empower creators—not platforms that extract from them. Re-center success around audience connection, not algorithmic performance. The industry’s current response to AI has been reactive through lawsuits, policy debates, and platform guardrails that are already struggling to keep up. If platforms, labels, and policymakers don’t step in with clearer frameworks around consent, compensation, and attribution, we won’t get an AI-powered creative boom. We’ll just race to the bottom. Matt Mandrella is the music officer for the City of Huntsville. View the full article

A luxury cruise ship is currently being held off the coast of West Africa after a suspected outbreak of hantavirus—a rare infectious disease typically carried by rodents—killed three passengers and infected three others. The World Health Organization (WHO) shared the news of the suspected outbreak in a post to X. According to the organization, one case of hantavirus on the ship, MV Hondius, had been confirmed through laboratory testing, and there are five additional suspected cases. Of those six affected individuals, three have died and one is currently in intensive care in South Africa. According to an official update from Dutch company Oceanwide Expeditions, the operator of the ship, two crew members are still on board the ship with acute respiratory symptoms, both of whom require immediate care. As of Monday morning, medics were working to evacuate them. Meanwhile, 149 passengers remain stuck on the ship as local medical teams and authorities work to determine how to proceed. “Strict precautionary measures are in process on board, including isolation measures, hygiene protocols and medical monitoring,” Oceanwide’s statement reads. “All passengers have been informed and are being supported.” Foster Mohale, a spokesman for the National Department of Health in South Africa, told The New York Times that “There is no need for the public to panic, because only two patients from the cruise ship have been within our borders.” As the situation develops, here’s what to know about the hantavirus: What is hantavirus? Hantaviruses are a family of viruses that can cause serious illness and, in some cases, death. According to the Centers for Disease Control and Prevention (CDC), hantavirus infection can lead to two main syndromes: hantavirus pulmonary syndrome (HPS), which is typically found in the Western hemisphere hemorrhagic fever with renal syndrome (HFRS), which is typically found in Europe and Asia As of the end of 2023, the CDC reported 890 total confirmed cases of hantavirus disease in the U.S. since surveillance began in 1993. How does it spread? All hantaviruses spread primarily through contact with rodents. Typically, the Mayo Clinic notes, infection is caused by “inhaling hantaviruses that have become airborne from rodent urine, droppings, or saliva.” Hantaviruses can also spread through contact with infected people, though the WHO says these cases are extremely rare. What are the symptoms? While HPS and HFRS are both diseases caused by hantavirus strains, their symptoms and impacts are different. HPS is a disease that affects the lungs. Symptoms typically start to show between one and eight weeks after contact with an infected rodent and, in early stages, include markers like fatigue, fever, and muscle aches. As the disease progresses, late-stage symptoms look like coughing and shortness of breath. Per the CDC, 38% of people who develop respiratory symptoms die from the disease. Unlike HPS, HFRS primarily impacts the kidneys. Symptoms usually develop between one to two weeks after contact with an infected rodent, and include intense headaches, back and abdominal pain, fever, blurred vision, and nausea. Later symptoms include low blood pressure, internal bleeding, and acute kidney failure. The severity of the disease depends on which strain of hantavirus infected the patient, as some (Hantaan and Dobrava, for example) lead to more severe illness, while others (Seoul, Saaremaa, and Puumala) are typically less harmful. How to prevent hantavirus from spreading Given that hantavirus is primarily carried and spread by rodents, both the CDC and the Mayo Clinic say that eliminating contact with rodents is the best way to avoid infection. That means sealing holes or gaps in your home or garage, cleaning up any easy-to-access food, setting traps, and taking precautions (like a mask, gloves, and disinfectant) while cleaning up any rodent droppings. In regard to the MV Hondius outbreak, Hans Kluge, the WHO’s regional director for Europe, told Reuters, “The risk to the wider public remains low,” adding that there’s no need for panic or travel restrictions. View the full article

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The top bullet point in Two Harbors' rejection notice is the Mizuho credit facility does not constitute committed financing for UWM to pay for the deal. View the full article

What Is Job Scheduling? Job scheduling is the process of planning, assigning and timing tasks so they are completed using available resources. It is commonly used in construction, manufacturing, maintenance and IT operations to organize work, coordinate labor and meet deadlines. Clear sequencing and resource allocation allow teams to execute work without delays or conflicts. What Is a Job Schedule? A job schedule is a structured plan that shows tasks, timelines and assigned resources for completing work. It is used to track when each task should start and finish, who is responsible and how activities are sequenced. By laying out dependencies and deadlines, it helps teams across industries coordinate execution and keep work moving without conflicts or delays. ProjectManager is an award-winning project management software that helps teams across industries plan, schedule and track work from start to finish. Create detailed job schedules, manage resources, monitor costs and compare planned versus actual performance with a full suite of powerful tools including Gantt charts, kanban boards, real-time dashboards and much more. Get started for free today. /wp-content/uploads/2024/03/Manufacturing-gantt-chart-light-mode-costs-exposed-cta-e1712005286389-1600x659.jpgLearn more What Industries Use Job Scheduling? Job scheduling is used anywhere work needs to be planned, sequenced and executed using limited resources. While the core principles remain the same, how schedules are built and managed varies depending on the type of work, the level of complexity and how resources are deployed. Construction On construction projects, job scheduling coordinates crews, equipment and subcontractors across multiple phases of work. Tasks must follow a strict sequence, as many activities depend on others being completed first. Delays in one area can impact the entire project, so schedules are continuously updated to reflect progress and keep work aligned with deadlines. Manufacturing Within manufacturing operations management, job scheduling organizes production tasks across machines, workstations and operators. Each job may follow a different process, requiring careful sequencing to avoid bottlenecks. Schedules must account for setup times, material availability and production capacity to ensure consistent output and prevent disruptions on the production line. IT and Software Development In IT projects, job scheduling is used to manage automated tasks, system processes and development workflows. Tasks such as data processing, system updates and deployments must run in a specific order to avoid conflicts. Schedules help teams coordinate dependencies, manage system loads and ensure that critical operations run at the right time. Maintenance and Field Service Maintenance planning teams rely on job scheduling to plan inspections, repairs and preventive work across multiple assets and locations. Schedules must balance urgent requests with routine service tasks while ensuring technicians and equipment are available. Effective scheduling reduces downtime, improves response times and helps maintain consistent asset performance. /wp-content/uploads/2026/01/Printable-Gantt-chart-template.jpg Get your free Gantt Chart Template Use this free Gantt Chart Template for Excel to manage your projects better. Download Excel File Why Job Scheduling Matters Across construction sites, production floors and service operations, job scheduling determines how work actually gets done day to day. Poor coordination leads to idle crews, missed deadlines and wasted materials, while structured scheduling aligns resources with demand. Teams that actively manage schedules can respond faster to changes and maintain steady progress without constant disruption. Efficient job scheduling ensures that labor, equipment and materials are allocated at the right time, preventing costly downtime and improving overall productivity across projects. Clear scheduling structures help teams avoid task conflicts and overlapping responsibilities, reducing confusion and ensuring that work progresses in a logical and controlled sequence. Accurate job schedules make it easier to meet deadlines by aligning task durations with realistic timelines, helping teams avoid delays that can impact project budgets and client expectations. Well-managed schedules improve resource utilization by balancing workloads across teams, preventing overloading some workers while others remain underutilized or idle. Structured job scheduling provides better visibility into ongoing work, allowing managers to track progress, identify bottlenecks early and make adjustments before issues escalate. Consistent scheduling practices support better cost control by reducing inefficiencies, minimizing rework and ensuring that resources are used effectively throughout the project lifecycle. Reliable job schedules create a foundation for better decision-making by providing real-time insight into project status, enabling teams to adapt quickly to changes in scope or priorities. What Should Be Included in a Job Schedule? Before work begins, a job schedule needs to clearly show what will be done, when it will happen and who is responsible. A complete structure removes guesswork during execution and gives teams a reliable reference point to track progress, adjust priorities and keep work aligned with deadlines. Job or Task Name: Each activity must be clearly labeled so teams can quickly identify what work needs to be performed without confusion. Task Description: A short explanation provides context on what the task involves, helping ensure consistency in how the work is executed. Start Date and Time: Defines exactly when a task is scheduled to begin, allowing teams to plan resource availability and sequencing. End Date and Time: Establishes when the task should be completed, creating clear expectations for delivery and progress tracking. Task Duration: The estimated time required to complete the task, which supports realistic scheduling and workload balancing. Assigned Resources: Identifies the workers, teams or equipment responsible for completing the task, ensuring accountability and coordination. Task Dependencies: Shows relationships between tasks, indicating which activities must be completed before others can start. Priority Level: Highlights the importance or urgency of each task so teams can focus on critical work first when conflicts arise. Status: Tracks whether tasks are not started, in progress or completed, giving real-time visibility into execution. Work Hours or Effort: Captures the amount of labor required, helping managers distribute workloads and avoid overallocating resources. Location or Work Area: Specifies where the task takes place, which is essential for coordinating teams across multiple sites or departments. Materials and Equipment Needed: Lists required inputs so teams can prepare in advance and avoid delays caused by missing resources. Constraints or Restrictions: Identifies limitations such as deadlines, regulations or resource availability that may impact how the task is performed. Notes or Instructions: Provides additional guidance or special considerations that help teams execute the work correctly and consistently. Job Schedule Example Consider a small construction project involving site preparation, foundation work and structural framing. The team needs to coordinate labor, materials and equipment across sequential tasks. A clear job schedule ensures each activity is properly timed, resources are available when needed and work progresses without delays or conflicts. Job or Task Name Task Description Start Date and Time End Date and Time Task Duration Assigned Resources Task Dependencies Priority Level Work Hours or Effort Materials and Equipment Needed Site Clearing Remove debris and prepare the site for construction activities 06/01/26 07:00 06/01/26 12:00 5 hours Ground crew, bulldozer None High 10 labor hours Bulldozer, safety gear Excavation Dig foundation trenches according to site plans 06/01/26 13:00 06/02/26 12:00 1 day Excavation crew, excavator Site Clearing High 16 labor hours Excavator, measuring tools Foundation Pouring Pour concrete into prepared trenches 06/02/26 13:00 06/02/26 18:00 5 hours Concrete crew, mixer Excavation High 12 labor hours Concrete, mixer, rebar Curing Time Allow concrete to set and reach required strength 06/02/26 18:00 06/05/26 18:00 3 days No active crew Foundation Pouring Medium 0 labor hours Curing blankets Framing Build structural framework of the building 06/06/26 07:00 06/10/26 17:00 5 days Carpenters, tools Curing Time High 80 labor hours Lumber, nails, power tools Job Scheduling Process Getting from a vague scope of work to a clear, executable plan requires a structured approach. A well-defined job scheduling process helps teams organize tasks, sequence activities and align resources so work progresses in a controlled and predictable way. 1. Define the Job to Be Performed Before anything is scheduled, the team must fully understand the job that will be performed. That means clarifying what work will be done, what goals and objectives need to be achieved and who the stakeholders are. Without this clarity, schedules become disconnected from reality and fail to support execution effectively. 2. Break Down the Job Into Individual Tasks Once the job is clearly defined and understood by both leadership and the team responsible for execution, the next step is to divide the work into manageable tasks. Breaking down the scope of work allows each activity to be assigned, tracked and completed with clarity, reducing confusion and making the schedule easier to follow. 3. Identify Task Dependencies Task dependencies determine the sequence in which work must be performed, giving the job schedule its logical structure. Some tasks cannot begin until others are completed, and recognizing these relationships is essential. There are four main types of task dependencies, and understanding them helps create a realistic and executable schedule. 4. Estimate the Duration of Tasks Estimating task durations allows schedulers to build a realistic project timeline and understand how long the job will take overall. Methods such as expert judgment, historical data, CPM and PERT can be used. Since estimates rarely match actual results, comparing planned durations against real performance is critical during execution. 5. Create a Timeline for the Execution of the Job With task durations defined, the next step is to assign start and end dates to each activity so the full timeline becomes visible. This timeline represents the job schedule that stakeholders will review and rely on. It also establishes a schedule baseline that allows teams to track progress and measure performance throughout execution. 6. Assign Resources for the Completion of Tasks After the timeline is established, resources must be assigned to ensure each task can be completed as planned. This includes human resources such as workers and supervisors, as well as non-human resources like materials, equipment and components. Aligning these inputs with the schedule ensures that work can proceed without interruptions. 7. Estimate Resource Costs Once resources are allocated, the next step is to estimate the costs associated with labor, materials and equipment. These projections provide a financial view of the job schedule and help guide decision-making. Because actual costs often vary from estimates, tracking real expenses is essential to maintain control over the budget. 8. Monitor Progress, Costs and Timelines As work moves forward, performance must be tracked against the original plan to keep the job on course. Reviewing progress, timelines and costs together allows teams to identify deviations early and take corrective action. Continuous monitoring ensures that adjustments are based on real data rather than assumptions, keeping execution aligned with expectations. What Tools Can Be Used for Making a Job Schedule? Different tools can be used to build and manage a job schedule depending on the complexity of the work and the level of control required. The right tool helps teams visualize tasks, organize timelines and coordinate resources without losing track of dependencies or deadlines. Gantt Charts Gantt charts are one of the most effective tools for building a job schedule because they visually map tasks across a timeline. Teams can see start and end dates, task durations and dependencies in one place. This makes it easier to sequence work, adjust schedules and quickly understand how delays in one task affect the overall timeline. /wp-content/uploads/2023/01/Gantt-Manufacturing-Light-2554x1372-1-1600x860.png Kanban Boards Kanban boards help teams manage a job schedule by organizing tasks into visual columns that represent different stages of work. As tasks move from one stage to another, teams can track progress in real time. This approach is especially useful for managing workflows that require flexibility and continuous updates rather than rigid timelines. /wp-content/uploads/2023/01/Kanban-Manufacturing-Light-2554x1372-1-1600x860.png Task Lists Task lists provide a simple way to create and manage a job schedule by outlining tasks, deadlines and assigned resources in a structured format. They are easy to update and ideal for smaller jobs or teams that do not need complex scheduling tools. With clear priorities and deadlines, task lists help keep work organized and on track. /wp-content/uploads/2024/05/Sheet-light-mode-punch-list-construction-custom-columns-costs-hours--1600x875.png Types of Job Scheduling Different scheduling approaches are used depending on deadlines, resource availability and how work flows through an operation. Choosing the right method helps teams structure timelines, prioritize tasks and adapt to constraints without disrupting execution. Forward Job Scheduling Forward job scheduling is a scheduling method used to plan tasks from the present time into the future based on available resources. It is commonly used when work can begin immediately and the goal is to complete jobs as early as possible. Tasks are scheduled in sequence as resources become available, often resulting in earlier completion but potential idle time between activities. Backward Job Scheduling Backward job scheduling is a scheduling method used to plan tasks by starting from a fixed deadline and working backward. It is commonly used when delivery dates are predetermined and meeting them is the priority. Tasks are scheduled as late as possible without delaying completion, reducing idle time but requiring accurate duration estimates. Job Shop Scheduling Job shop scheduling is a scheduling method used to organize tasks across multiple jobs that follow different workflows and sequences. It is commonly used in environments where each job has unique requirements and must pass through shared resources. This approach requires careful coordination to manage resource conflicts and maintain efficient task sequencing. Batch Job Scheduling Batch job scheduling is a scheduling method used to group similar tasks and process them together within a defined time period. It is commonly used when tasks share the same requirements or resources and can be executed in cycles. Grouping work into batches improves efficiency by reducing setup time and optimizing resource usage. Free Job Scheduling Templates We’ve created over 100 free project management templates for Excel, Word and Google Sheets. Here are some that can help with job scheduling. Gantt Chart Template This Gantt chart template helps plan and visualize job schedules by mapping tasks, timelines and dependencies, making it easier to track progress, coordinate resources and keep work aligned with deadlines. Critical Path Template This critical path template identifies the sequence of tasks that directly impact completion time, helping teams prioritize critical activities, reduce delays and maintain control over project timelines and execution. PERT Chart Template This PERT chart template helps estimate task durations and visualize dependencies, allowing teams to analyze uncertainty, plan realistic schedules and improve decision-making when managing complex job scheduling scenarios. ProjectManager Is a Robust Job Scheduling Software ProjectManager is an online project management solution that provides a complete set of work planning, scheduling and tracking tools, including Gantt charts, kanban boards, task lists and real-time dashboards and reports. With these features, teams across industries can build detailed job schedules, assign resources and monitor progress, costs and timelines. ProjectManager also delivers AI-powered project insights to support better decision-making and connects with over 100 tools like Microsoft Project, Acumatica and Power BI. With its open API and wide range of integrations, organizations can seamlessly link ProjectManager to their existing systems. Watch the video below to learn more! Related Job Management Content How to Make a Job Cost Report for Construction Job Card Template What Is Job Costing? How to Make a Job Cost Sheet (Example Included) 10 Best Job Tracking Software of 2026 (Free & Paid) If you need a tool to help you manage projects, then signup for our software now at ProjectManager. Our online software helps teams across industries plan, track and oversee projects as they unfold. Sign up for a free 30-day trial today! The post Job Scheduling 101: Making a Job Schedule appeared first on ProjectManager. View the full article

Term financing is a structured funding option that gives businesses a lump sum of capital to invest in growth or significant projects. You’ll repay this amount over a set period, often through fixed or variable payments that include interest. This type of financing can be advantageous for long-term financial planning, but it’s crucial to understand its various types and features. What should you consider before applying for this form of financing? Key Takeaways Term financing provides a lump sum of cash that is repaid over a set period through regular payments, often requiring collateral. It includes various loan types: short-term, medium-term, long-term, and specialized loans like balloon or step-up repayment loans. The approval process assesses creditworthiness, requiring strong financial statements and an evaluation of collateral. Repayment structures are fixed, with payments typically made monthly or quarterly, depending on the loan duration. Term financing is suitable for significant investments, predictable revenue streams, and consolidating high-interest debts. What Is Term Financing? Term financing is an essential funding option that provides businesses with a lump sum of cash, which they repay over a set period through regular payments. This financing can be categorized into different types, such as term loan A versus term loan B, depending on the structure and terms. Term loans typically require collateral, which may include business assets or personal guarantees, and the approval process is rigorous to evaluate creditworthiness. The duration of term financing varies; short-term loans last less than a year, whereas intermediate-term loans span one to three years, and long-term loans can extend from three to 25 years. Interest rates can be fixed or variable, and costs are reflected in the annual percentage rate (APR), including any fees. Businesses often use term financing for significant investments in fixed assets, like equipment purchases and operational expansions, making it a critical option for growth. Key Features of Term Financing When considering financing options, comprehension of the key features of term financing can greatly improve your decision-making process. Term financing offers distinct characteristics that can help you manage your business’s financial needs effectively: Provides a lump sum of capital upfront, which you repay over a set period, usually with fixed or variable interest rates. Features structured repayment schedules, typically with monthly or quarterly payments that include both principal and interest. Offers a range of loan durations: short-term (less than a year), intermediate-term (one to three years), and long-term (three to 25 years). Often requires collateral, like business or personal assets, which can lower interest rates and reduce lender risk. Understanding these key features allows you to make informed choices and better plan your finances, ensuring that your business remains on a stable path throughout the loan period. Types of Term Financing Several types of term financing are available, each designed to meet specific business needs and timelines. Comprehending these options can help you make informed decisions for your business. Type of Loan Duration Purpose Short-Term Loans A few months to 2 years Immediate needs like inventory purchases Medium-Term Loans 2 to 5 years Equipment purchases or modest expansions Long-Term Loans Over 5 years (up to 25) Significant investments such as real estate Balloon Loans Varies Smaller payments with a large final payment Step-Up Repayment Loans Varies Lower initial payments that increase over time Short-Term Financing Explained Short-term financing is a valuable option for businesses needing quick access to capital to address immediate financial challenges. Typically lasting less than one year, this type of financing is perfect for situations like: Seasonal inventory purchases Urgent operational expenses Managing cash flow fluctuations Covering unexpected costs While short-term loans provide rapid approval with less documentation, they often come with higher monthly payments and steeper interest rates. This makes them more suitable for businesses that can rely on consistent near-term revenue, ensuring that repayments won’t strain cash flow. Nevertheless, it’s vital to manage these loans carefully, as accumulating high-interest costs can pose risks if not handled properly. Overall, short-term financing can deliver quick relief, but comprehending its implications is key for maintaining financial health. Intermediate-Term Financing Explained Intermediate-term financing serves as a practical solution for businesses seeking to fund specific projects or acquisitions over a period of one to three years. This type of financing is commonly used for purchasing equipment or modest expansions. Repayment typically occurs through manageable monthly payments based on your business’s cash flow, making it easier to budget. Interest rates for intermediate-term loans are typically lower than those for short-term loans, providing a cost-effective financing option. Nevertheless, many lenders require collateral, which might include business assets or personal guarantees to reduce risk. The structured repayment schedule aids in effective cash flow management throughout the loan duration. Here’s a quick overview of intermediate-term financing: Feature Description Loan Duration 1 to 3 years Repayment Frequency Monthly payments Interest Rates Typically lower than short-term loans Collateral Requirements Business assets or personal guarantees Typical Uses Equipment purchase, modest expansions Long-Term Financing Explained Long-term financing is a crucial option for businesses aiming to invest considerably in their future without the immediate pressure of repayment. Typically, these loans have repayment periods ranging from three to 25 years, allowing for significant investments in fixed assets. Here are some key points to reflect on: Loans often require collateral, such as business assets or personal guarantees, to secure the lender’s investment. Interest rates can be fixed or variable, providing predictability in monthly payments. Maximum loan terms vary; real estate loans may extend up to 25 years, whereas other types may be shorter, around 10 years. Long-term financing is ideal for substantial expenditures like purchasing commercial real estate, equipping facilities, or funding major business expansions. Benefits of Term Financing Term financing offers numerous advantages that can greatly benefit businesses looking to invest in their growth. It provides access to substantial capital, enabling you to make significant investments in equipment, real estate, or expansion projects that mightn’t be feasible with smaller funding options. With predictable repayment schedules, term financing aids your budgeting and cash flow management, allowing you to plan for fixed monthly or quarterly payments. Typically, it offers lower interest rates compared to other financing methods, such as credit cards, which can help reduce your overall borrowing costs. By securing larger amounts of capital through term financing, you can facilitate growth initiatives, like entering new markets or upgrading technology, enhancing your competitiveness. Finally, successfully repaying term loans can positively impact your credit score, creating opportunities for future financing at more favorable terms. Drawbacks of Term Financing When considering term financing, you should be aware of several drawbacks that could impact your business. First, the need for collateral means you might risk valuable assets if you can’t make payments. Furthermore, rigid repayment structures and qualification challenges can add stress to your financial planning, especially during tough economic times. Collateral Risks Involved Collateral risks are a significant concern for businesses evaluating term financing, as they often require assets or personal guarantees to secure the loan. If you default, the lender can seize these assets, which might jeopardize your operations. Here are some key risks to bear in mind: You could lose vital business assets or even personal property. Your access to financing may be limited if you lack sufficient collateral. Defaulting on a loan could lead to severe personal financial repercussions. Strained cash flow from rigid repayment terms can increase the risk of default during tough times. Understanding these risks is important before committing to term financing to guarantee that you’re making informed decisions for your business’s future. Rigid Repayment Structures Despite having a structured repayment plan may seem beneficial, the rigidity of these schedules in term financing can pose significant challenges for your business. Fixed repayment schedules require consistent monthly or quarterly payments, which might strain your cash flow during slower periods. This lack of flexibility makes it tough to adjust payments based on fluctuating revenues or unexpected expenses. If you encounter financial difficulties, the obligation to make regular payments can increase stress and lead to default risks. Furthermore, prepayment penalties could limit your ability to adjust your repayment strategy. Strict repayment terms can likewise hinder your chances of securing additional financing, as lenders may view existing debt as a risk factor. Challenge Impact on Business Fixed Repayment Schedules Strained cash flow Lack of Flexibility Difficulty adjusting payments Default Risks Increased financial stress Qualification Challenges for Borrowers Securing term financing often involves maneuvering through a complex terrain of qualification challenges that can be overwhelming for many borrowers. You may encounter several hurdles, including: Stringent qualification requirements, demanding a strong credit history and solid financial statements. Collateral demands, which could put your business assets or personal guarantees at risk if you default. Difficulties for startups and newer businesses, often struggling because of a lack of established creditworthiness. Lengthy approval processes that can deter you, especially if you need quick access to capital. These challenges can make obtaining term financing an intimidating experience, as you navigate strict criteria and potential risks that may affect your financial stability. How Term Financing Works When you pursue term financing, the process begins with an application and approval phase, where lenders assess your financial health and creditworthiness. Once approved, you’ll receive a lump sum that you’ll repay through a structured schedule of fixed or variable payments over a set period, which can range from a few months to several years. Moreover, comprehending interest rates and any associated fees will help you grasp the total cost of your loan, ensuring you’re fully aware of your financial obligations. Application and Approval Process To obtain term financing, you’ll need to navigate a structured application and approval process designed to assess your creditworthiness and the financial health of your business. Typically, you’ll need to gather and submit: Financial statements Business plans Personal guarantees Tax returns and cash flow projections The lender reviews your application, focusing on these documents to determine your business’s viability. If approved, they’ll present you with terms that outline the loan amount, interest rate, repayment schedule, and any associated fees. Once you accept these terms, the lender disburses the agreed lump sum into your bank account, allowing you to utilize the funds for your planned business activities. This process is essential for ensuring both parties understand their commitments. Repayment Structure Explained Comprehending the repayment structure of term financing is crucial for managing your business’s financial obligations effectively. Typically, you’ll face fixed monthly or quarterly payments that include both principal and interest over a set period. The repayment schedule is established at the loan’s inception, varying by loan type—short-term loans usually require payments in less than a year, whereas long-term loans can extend up to 25 years. Here’s a quick overview of common repayment structures: Loan Term Payment Frequency Duration Short-term Monthly Medium-term Quarterly 1-5 years Long-term Monthly 5-25 years Flexible option Varies Depends on agreement Understanding this structure helps you plan your cash flow effectively. Interest Rates Overview Interest rates play a pivotal role in how term financing works, impacting the overall cost of borrowing. When you consider a term loan, you’ll typically encounter fixed or variable interest rates, which depend on your creditworthiness and market conditions at the time of your loan agreement. Here are some key points to remember: Interest rates for term loans are typically lower than those for credit cards. Monthly or quarterly payments include both principal and interest, with interest decreasing over time. Prepayment penalties may apply if you pay off the loan early, particularly for longer maturities. The Annual Percentage Rate (APR) provides a thorough view of the loan’s overall cost, combining interest and additional fees. Understanding these factors helps you make informed borrowing decisions. When to Consider Term Financing When should you evaluate term financing for your business? If you need significant capital for long-term investments, like purchasing equipment or broadening operations, term financing may be a good fit. It allows predictable repayment over time. Furthermore, if your business has a stable revenue stream, you can support consistent monthly or quarterly payments without straining cash flow. Term financing is also helpful for consolidating high-interest debts into a single payment, potentially lowering interest rates. In addition, if you have a solid business plan and strong financial statements, term loans can provide access to larger sums of capital. Finally, businesses financing real estate purchases or major renovations should contemplate long-term term loans, which can extend repayment periods up to 25 years. When to Evaluate Term Financing Benefits Significant long-term investments Predictable repayment Stable revenue stream Support for consistent payments Debt consolidation Lower overall interest rates Real estate financing Extended repayment terms Tips for Applying for Term Financing When applying for term financing, it’s vital to prepare fundamental financial documentation, like tax returns and bank statements, to showcase your business’s creditworthiness. Furthermore, consider applying with multiple lenders so you can compare interest rates, terms, and fees, which may lead to better financing options. Prepare Financial Documentation Applying for term financing requires careful preparation of financial documentation that showcases your business’s financial health and stability. To improve your chances of approval, gather the following crucial documents: Recent tax returns, profit and loss statements, and balance sheets to demonstrate financial health. A detailed business plan outlining how you’ll use the loan, projected cash flow, and anticipated growth. Personal financial documentation, including tax returns and credit history, as many lenders require personal guarantees. Existing loan documentation to illustrate current debt obligations, helping lenders assess overall financial stability and repayment capacity. Compare Multiple Lenders Securing the right term financing requires a careful evaluation of various lenders to identify the best fit for your business. Gather quotes from at least three lenders to compare interest rates, repayment terms, and fees. Remember, it’s not just about the interest rate; consider the total loan cost, including origination fees and any prepayment penalties. Each lender has different qualification requirements, which can affect your approval chances based on your financial health. Review the fine print in loan agreements for covenants that may impact your operations. Fortifying your application with financial documents like tax returns and cash flow statements can greatly improve your credibility. Lender Interest Rate Fees Repayment Terms Lender A 5.5% $500 5 years Lender B 6.0% $300 7 years Lender C 5.8% $400 6 years Frequently Asked Questions What Is Term Financing? Term financing is a borrowing method where you receive a lump sum from a lender, which you repay over a set period. This type of financing is ideal for large purchases, like equipment or real estate. The repayment includes both principal and interest, making it easier for you to plan your finances. Typically, you’ll need to provide collateral and undergo a credit assessment to secure the loan, which helps mitigate lender risk. Is a Term Loan Good or Bad? A term loan can be both good and bad, depending on your business’s financial situation. It offers predictable monthly payments and often lower interest rates, which can be appealing for long-term investments. Nevertheless, it may require collateral, risking your assets if you fail to repay. Furthermore, the fixed repayment schedule can strain cash flow during slow periods, making it less suitable for short-term needs. Assess your stability and purpose before deciding. What Is Better, a Term Loan or a Line of Credit? Choosing between a term loan and a line of credit depends on your needs. If you’re making a large, one-time investment, a term loan may be better because of its lower interest rates and structured repayment schedule. On the other hand, if you need flexible access to funds for ongoing expenses or cash flow management, a line of credit provides that adaptability. Assess your financial goals and choose the option that aligns best with your situation. Can Term Loans Be Paid off Early? Yes, you can often pay off term loans early, but it depends on your specific loan agreement. Many loans allow for early repayment without penalties, which can help reduce overall interest costs. Nonetheless, some long-term loans may impose prepayment fees if paid off too soon, especially those with maturities of 15 years or more. Always review your loan terms carefully to understand any potential fees or restrictions regarding early payoff options. Conclusion In conclusion, term financing is a structured funding option that provides businesses with the capital needed for significant investments. By comprehending its key features, types, and potential drawbacks, you can make informed decisions about whether it’s right for your financial needs. When applying, guarantee you present a strong financial profile and a clear repayment plan. Finally, term financing can support your business growth when used strategically and responsibly. Image via Google Gemini and ArtSmart This article, "What Is Term Financing and How Does It Work?" was first published on Small Business Trends View the full article