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IDEAS shared have the power to expand perspectives, change thinking, and move lives. Here are two ideas for the curious mind to engage with: I. Alan Stein on self-awareness: “It’s called “self” awareness, but the people you choose to surround yourself with play a part in that. A self-aware person is going to invite healthy criticism, and one way to do that is not to shy away from hearing the truth. It’s important to have supportive people who aren’t afraid to tell you things that you need to hear instead of the things that you want to hear.” Source: Raise Your Game: High-Performance Secrets from the Best of the Best II. Patty McCord on sharing information: “If your people aren’t informed by you, there’s a good chance they’ll be misinformed by others. If you don’t tell them about how the business is doing, what your strategy is, the challenges you’re facing, and what market analysts think of how you’re doing, then they’ll get the information elsewhere – either from colleagues, who will often be equally ill informed, or from the Web, which loves nothing so much as a rumor of doom or a juicy conspiracy theory.” Source: Powerful: Building a Culture of Freedom and Responsibility * * * Look for these ideas every Thursday on the Leading Blog. Find more ideas on the LeadingThoughts index. * * * Follow us on Instagram and X for additional leadership and personal development ideas. View the full article

If you’re in the market for affordable background checks, you’ll find plenty of options that won’t strain your budget. Services like BeenVerified and TruthFinder offer extensive features at competitive prices, whereas others like GoodHire guarantee compliance with legal standards. Comprehending what to look for in these services is essential, as it can save you time and money. Let’s explore the best options available and the key features that can help you make an informed choice. Key Takeaways Criminal background checks can start as low as $10 for federal and state searches, making them budget-friendly. Membership plans, like BeenVerified, offer unlimited reports for approximately $36.89 per month, ideal for frequent checks. Single searches from services like Spokeo provide access to public records and social media profiles for $29.95. Continuous monitoring services are available for about $1.70 per individual monthly, ensuring ongoing vigilance in screening. Always read the fine print for hidden fees and ensure services comply with FCRA regulations for accurate reporting. Overview of Affordable Background Check Services When you’re looking for affordable background check services, you’ll find a variety of options customized to fit different needs and budgets. Many services offer cheap background checks, with criminal searches starting from just $10 for federal and state checks. If you need ongoing access, membership plans like BeenVerified provide unlimited reports for around $36.89 per month. For casual users, Spokeo offers single searches at $29.95, giving you access to public records and social media profiles without high upfront costs. Organizations can benefit from GoodHire’s Basic+ tier, priced at $29.99 per report, allowing crucial checks without hefty commitments. Furthermore, for those interested in monitoring, continuous criminal search services are available at only $1.70 per individual monthly. You can even perform a background check using social security number for detailed insights. These options guarantee you have access to instant background check services that won’t break the bank. Key Features to Look For in Budget-Friendly Options Selecting the right budget-friendly background check service involves identifying key features that guarantee you receive quality insights without overspending. First, look for services offering thorough reports at competitive prices, such as federal criminal searches starting at $10 or employment verifications from $12.50. You should also seek providers that allow customizable packages, enabling you to tailor the background check with social security number options to your specific needs. Furthermore, consider membership plans that provide unlimited reports for a flat monthly fee, like BeenVerified, which offers numerous searches for about $36.89/month. Confirm the service complies with FCRA regulations, which protects against inaccuracies. Finally, evaluate customer service commitments; responsive support can greatly improve your experience. Some services even offer a 100 free background check trial, allowing you to test their offerings before committing financially. Prioritizing these features guarantees you get quality results without breaking the bank. Best People Search Sites for Inexpensive Background Checks When you’re looking for affordable background checks, several people search sites can offer budget-friendly options without sacrificing detail. TruthFinder stands out for its thorough reports, whereas Instant Checkmate provides unlimited searches for a flat fee, making it ideal for frequent users. Moreover, platforms like BeenVerified and Spokeo offer various membership plans that allow you to access multiple reports at reasonable prices, ensuring you only pay for the information you truly need. Budget-Friendly Search Options Finding budget-friendly options for background checks is essential, especially if you’re looking to gather important information without overspending. Here are some reliable services to take into account: Service Monthly Fee TruthFinder $30 Instant Checkmate Prices vary (unlimited searches) BeenVerified $36.89 Spokeo $29.95 Though you may not find a background check that’s actually for free, these options offer competitive rates. TruthFinder stands out for detailed reports, whereas BeenVerified thrives in budget-friendly searches, especially for vehicle information. Spokeo is another great choice for accessing public records and social media profiles. Evaluate your needs to choose the best service for your situation. Detailed Report Comparisons Several budget-friendly websites offer detailed reports for background checks, each with unique features that cater to different user needs. Here are three top contenders: TruthFinder: Known for its thorough reports, including personal assets and criminal records, it’s ideal for frequent users with monthly plans, but doesn’t offer one-off report options. BeenVerified: Offers a 1 Month Membership for $36.89, allowing access to up to 100 reports monthly. Nevertheless, its pricing can be confusing because of low-cost trials. Spokeo: At $29.95/month, this is a great choice for casual users looking for personal information and public records without breaking the bank. These sites excel in different areas, so choose based on your specific needs for background checks. FCRA-Compliant Background Screening at Competitive Prices A reliable background screening process is critical for employers and landlords to guarantee they make informed decisions about potential hires and tenants. FCRA-compliant services, like those offered by GoodHire, start at just $29.99 and include important features such as SSN traces and national criminal searches. For faster results, Checkr utilizes AI technology, allowing for quick turnaround times and transparent screening, making it an ideal choice for gig and marketplace companies. Backgrounds Online provides a range of FCRA-compliant options customized to specific industries, ensuring you can personalize your screening without facing hidden fees. Furthermore, you can validate candidate information affordably, with employment and education verifications starting at only $12.50 each. Customizable Packages for Tailored Background Checks In terms of background checks, customizable packages give you the flexibility to select specific products that align with your industry’s requirements. You can choose from various checks, such as criminal searches and employment verifications, ensuring a thorough assessment designed to your needs. Plus, with options for customized pricing based on your volume, you can find a solution that fits both your budget and your screening demands. Flexible Product Selection Customizing your background check packages offers a strategic advantage for organizations seeking to align their hiring processes with specific industry requirements. This flexibility allows you to select only what you need, enhancing efficiency and compliance. Here are three key benefits of flexible product selection: Tailored Screening: You can add specific products to meet unique industry needs, guaranteeing thorough evaluations. Increased Coverage: Opt for various search options to achieve a detailed assessment based on your requirements. Cost Management: By selecting only relevant searches, you effectively manage your background check costs as you maintain quality. With the ability to modify package components as regulations or organizational needs change, you can stay adaptive and guarantee your hiring process remains robust and compliant. Industry-Specific Requirements Understanding the unique needs of your industry is vital for implementing effective background checks that comply with relevant regulations and standards. Customizable packages enable you to tailor your background screening to guarantee thoroughness and compliance. You can choose from options like federal, state, or county criminal searches, along with employment and education verifications, creating a wide-ranging process that fits your hiring needs. If your organization requires ongoing monitoring, you can include continuous criminal searches for regular updates on employee backgrounds. Furthermore, if you hire globally, international reports can improve your package. Customizable search coverage allows you to specify jurisdictions and data types, making sure you obtain the most relevant and precise information for your industry. Customized Pricing Options As you explore background check options, you’ll find that many services offer customizable packages designed to meet your specific needs and industry requirements. This flexibility allows you to select services that align with your hiring practices. Here are three key aspects to take into account: Tailored Services: You can create a package that includes employment and education checks, starting from $12.50 each, ensuring it fits your criteria. Volume Discounts: For organizations running over 300 checks annually, custom quotes can include potential discounts and additional third-party fees based on selected services. Ongoing Monitoring: Continuous criminal searches are available at $1.70 per individual per month, allowing you to maintain a vigilant screening strategy over time. This customization helps in making informed hiring decisions. Common Additional Costs to Consider When considering background checks, it’s crucial to be aware of the common supplementary costs that can arise, which may not be immediately apparent in the initial pricing. Many background check services charge third-party fees that vary depending on the specific checks requested and the jurisdictions involved. If you opt for continuous criminal searches, expect to pay around $1.70 per individual each month for ongoing monitoring. Although initial prices might seem low, services like BeenVerified and Spokeo often include hidden costs for detailed reports or extra search types, which can affect the final price. Furthermore, employment verification checks usually start at $12.50 each, quickly adding up if you’re verifying multiple candidates. Customizing your background check package to fit your organization’s needs may likewise lead to higher overall costs, especially if you add extra features or extensive search coverage. Always read the fine print to avoid unexpected expenses. Tips for Choosing the Right Background Check Provider Selecting the right background check provider is a significant step in guaranteeing a thorough and compliant screening process. To make an informed choice, consider the following: FCRA Compliance: Verify the provider adheres to the Fair Credit Reporting Act, which regulates certain checks for employment or tenancy. This compliance is essential for legality. Turnaround Time: Assess how quickly you need the reports. Some providers offer expedited services, which can be critical in recruitment when time is of the essence. Customizable Packages: Look for options that allow you to tailor searches to your specific needs. This could include criminal records, employment history, or education verification. Additionally, check for transparent pricing structures to avoid hidden fees and review customer support options for timely assistance during the screening process. Frequently Asked Questions What Is the Best and Cheapest Background Check? When you’re looking for the best and cheapest background check, consider services like Spokeo or BeenVerified. Spokeo offers a monthly membership for $29.95, granting access to a variety of public records. Meanwhile, BeenVerified’s one-month membership costs $36.89, allowing for up to 100 reports. If you need more extensive checks, GoodHire’s Basic+ tier is $29.99 per report, providing crucial checks that balance affordability with necessary information for thorough evaluations. How Much Does a Background Check Normally Cost? A background check’s cost varies widely depending on what you’re looking for. Federal criminal searches start around $10, whereas county searches typically run about $25. Employment and education verifications usually begin at $12.50, and professional license checks cost around $12. For ongoing monitoring, continuous criminal searches are available for about $1.70 monthly per individual. Conclusion In conclusion, finding an affordable background check service is achievable with the right approach. Options like BeenVerified and GoodHire offer competitive pricing and crucial features. Always consider FCRA compliance for legal protection and look for customizable packages that fit your specific needs. By weighing additional costs and grasping what each service provides, you can make a well-informed decision. Prioritizing thoroughness and affordability guarantees you maintain a reliable screening process without overspending. Image via Google Gemini and ArtSmart This article, "7 Affordable Options for Cheap Background Checks" was first published on Small Business Trends View the full article

If you’re in the market for affordable background checks, you’ll find plenty of options that won’t strain your budget. Services like BeenVerified and TruthFinder offer extensive features at competitive prices, whereas others like GoodHire guarantee compliance with legal standards. Comprehending what to look for in these services is essential, as it can save you time and money. Let’s explore the best options available and the key features that can help you make an informed choice. Key Takeaways Criminal background checks can start as low as $10 for federal and state searches, making them budget-friendly. Membership plans, like BeenVerified, offer unlimited reports for approximately $36.89 per month, ideal for frequent checks. Single searches from services like Spokeo provide access to public records and social media profiles for $29.95. Continuous monitoring services are available for about $1.70 per individual monthly, ensuring ongoing vigilance in screening. Always read the fine print for hidden fees and ensure services comply with FCRA regulations for accurate reporting. Overview of Affordable Background Check Services When you’re looking for affordable background check services, you’ll find a variety of options customized to fit different needs and budgets. Many services offer cheap background checks, with criminal searches starting from just $10 for federal and state checks. If you need ongoing access, membership plans like BeenVerified provide unlimited reports for around $36.89 per month. For casual users, Spokeo offers single searches at $29.95, giving you access to public records and social media profiles without high upfront costs. Organizations can benefit from GoodHire’s Basic+ tier, priced at $29.99 per report, allowing crucial checks without hefty commitments. Furthermore, for those interested in monitoring, continuous criminal search services are available at only $1.70 per individual monthly. You can even perform a background check using social security number for detailed insights. These options guarantee you have access to instant background check services that won’t break the bank. Key Features to Look For in Budget-Friendly Options Selecting the right budget-friendly background check service involves identifying key features that guarantee you receive quality insights without overspending. First, look for services offering thorough reports at competitive prices, such as federal criminal searches starting at $10 or employment verifications from $12.50. You should also seek providers that allow customizable packages, enabling you to tailor the background check with social security number options to your specific needs. Furthermore, consider membership plans that provide unlimited reports for a flat monthly fee, like BeenVerified, which offers numerous searches for about $36.89/month. Confirm the service complies with FCRA regulations, which protects against inaccuracies. Finally, evaluate customer service commitments; responsive support can greatly improve your experience. Some services even offer a 100 free background check trial, allowing you to test their offerings before committing financially. Prioritizing these features guarantees you get quality results without breaking the bank. Best People Search Sites for Inexpensive Background Checks When you’re looking for affordable background checks, several people search sites can offer budget-friendly options without sacrificing detail. TruthFinder stands out for its thorough reports, whereas Instant Checkmate provides unlimited searches for a flat fee, making it ideal for frequent users. Moreover, platforms like BeenVerified and Spokeo offer various membership plans that allow you to access multiple reports at reasonable prices, ensuring you only pay for the information you truly need. Budget-Friendly Search Options Finding budget-friendly options for background checks is essential, especially if you’re looking to gather important information without overspending. Here are some reliable services to take into account: Service Monthly Fee TruthFinder $30 Instant Checkmate Prices vary (unlimited searches) BeenVerified $36.89 Spokeo $29.95 Though you may not find a background check that’s actually for free, these options offer competitive rates. TruthFinder stands out for detailed reports, whereas BeenVerified thrives in budget-friendly searches, especially for vehicle information. Spokeo is another great choice for accessing public records and social media profiles. Evaluate your needs to choose the best service for your situation. Detailed Report Comparisons Several budget-friendly websites offer detailed reports for background checks, each with unique features that cater to different user needs. Here are three top contenders: TruthFinder: Known for its thorough reports, including personal assets and criminal records, it’s ideal for frequent users with monthly plans, but doesn’t offer one-off report options. BeenVerified: Offers a 1 Month Membership for $36.89, allowing access to up to 100 reports monthly. Nevertheless, its pricing can be confusing because of low-cost trials. Spokeo: At $29.95/month, this is a great choice for casual users looking for personal information and public records without breaking the bank. These sites excel in different areas, so choose based on your specific needs for background checks. FCRA-Compliant Background Screening at Competitive Prices A reliable background screening process is critical for employers and landlords to guarantee they make informed decisions about potential hires and tenants. FCRA-compliant services, like those offered by GoodHire, start at just $29.99 and include important features such as SSN traces and national criminal searches. For faster results, Checkr utilizes AI technology, allowing for quick turnaround times and transparent screening, making it an ideal choice for gig and marketplace companies. Backgrounds Online provides a range of FCRA-compliant options customized to specific industries, ensuring you can personalize your screening without facing hidden fees. Furthermore, you can validate candidate information affordably, with employment and education verifications starting at only $12.50 each. Customizable Packages for Tailored Background Checks In terms of background checks, customizable packages give you the flexibility to select specific products that align with your industry’s requirements. You can choose from various checks, such as criminal searches and employment verifications, ensuring a thorough assessment designed to your needs. Plus, with options for customized pricing based on your volume, you can find a solution that fits both your budget and your screening demands. Flexible Product Selection Customizing your background check packages offers a strategic advantage for organizations seeking to align their hiring processes with specific industry requirements. This flexibility allows you to select only what you need, enhancing efficiency and compliance. Here are three key benefits of flexible product selection: Tailored Screening: You can add specific products to meet unique industry needs, guaranteeing thorough evaluations. Increased Coverage: Opt for various search options to achieve a detailed assessment based on your requirements. Cost Management: By selecting only relevant searches, you effectively manage your background check costs as you maintain quality. With the ability to modify package components as regulations or organizational needs change, you can stay adaptive and guarantee your hiring process remains robust and compliant. Industry-Specific Requirements Understanding the unique needs of your industry is vital for implementing effective background checks that comply with relevant regulations and standards. Customizable packages enable you to tailor your background screening to guarantee thoroughness and compliance. You can choose from options like federal, state, or county criminal searches, along with employment and education verifications, creating a wide-ranging process that fits your hiring needs. If your organization requires ongoing monitoring, you can include continuous criminal searches for regular updates on employee backgrounds. Furthermore, if you hire globally, international reports can improve your package. Customizable search coverage allows you to specify jurisdictions and data types, making sure you obtain the most relevant and precise information for your industry. Customized Pricing Options As you explore background check options, you’ll find that many services offer customizable packages designed to meet your specific needs and industry requirements. This flexibility allows you to select services that align with your hiring practices. Here are three key aspects to take into account: Tailored Services: You can create a package that includes employment and education checks, starting from $12.50 each, ensuring it fits your criteria. Volume Discounts: For organizations running over 300 checks annually, custom quotes can include potential discounts and additional third-party fees based on selected services. Ongoing Monitoring: Continuous criminal searches are available at $1.70 per individual per month, allowing you to maintain a vigilant screening strategy over time. This customization helps in making informed hiring decisions. Common Additional Costs to Consider When considering background checks, it’s crucial to be aware of the common supplementary costs that can arise, which may not be immediately apparent in the initial pricing. Many background check services charge third-party fees that vary depending on the specific checks requested and the jurisdictions involved. If you opt for continuous criminal searches, expect to pay around $1.70 per individual each month for ongoing monitoring. Although initial prices might seem low, services like BeenVerified and Spokeo often include hidden costs for detailed reports or extra search types, which can affect the final price. Furthermore, employment verification checks usually start at $12.50 each, quickly adding up if you’re verifying multiple candidates. Customizing your background check package to fit your organization’s needs may likewise lead to higher overall costs, especially if you add extra features or extensive search coverage. Always read the fine print to avoid unexpected expenses. Tips for Choosing the Right Background Check Provider Selecting the right background check provider is a significant step in guaranteeing a thorough and compliant screening process. To make an informed choice, consider the following: FCRA Compliance: Verify the provider adheres to the Fair Credit Reporting Act, which regulates certain checks for employment or tenancy. This compliance is essential for legality. Turnaround Time: Assess how quickly you need the reports. Some providers offer expedited services, which can be critical in recruitment when time is of the essence. Customizable Packages: Look for options that allow you to tailor searches to your specific needs. This could include criminal records, employment history, or education verification. Additionally, check for transparent pricing structures to avoid hidden fees and review customer support options for timely assistance during the screening process. Frequently Asked Questions What Is the Best and Cheapest Background Check? When you’re looking for the best and cheapest background check, consider services like Spokeo or BeenVerified. Spokeo offers a monthly membership for $29.95, granting access to a variety of public records. Meanwhile, BeenVerified’s one-month membership costs $36.89, allowing for up to 100 reports. If you need more extensive checks, GoodHire’s Basic+ tier is $29.99 per report, providing crucial checks that balance affordability with necessary information for thorough evaluations. How Much Does a Background Check Normally Cost? A background check’s cost varies widely depending on what you’re looking for. Federal criminal searches start around $10, whereas county searches typically run about $25. Employment and education verifications usually begin at $12.50, and professional license checks cost around $12. For ongoing monitoring, continuous criminal searches are available for about $1.70 monthly per individual. Conclusion In conclusion, finding an affordable background check service is achievable with the right approach. Options like BeenVerified and GoodHire offer competitive pricing and crucial features. Always consider FCRA compliance for legal protection and look for customizable packages that fit your specific needs. By weighing additional costs and grasping what each service provides, you can make a well-informed decision. Prioritizing thoroughness and affordability guarantees you maintain a reliable screening process without overspending. Image via Google Gemini and ArtSmart This article, "7 Affordable Options for Cheap Background Checks" was first published on Small Business Trends View the full article

Conspiracy theories are literally contagious. Recent research on misinformation and how it goes viral across social networks has revealed remarkable parallels to how diseases spread in populations. It’s all the more remarkable, then, that Tracy Letts’s Bug was tackling this topic 30 years. The psychological stage drama feels like a cautionary tale for our current moment, where facts bleed into false assumptions and produce toxic conclusions. Except the story here is decidedly pre-internet, centering on a nomadic Gulf War veteran and a substance-abusing cocktail waitress who develop a codependent relationship with deleterious results. The more time they spend alone together in a dingy Oklahoma motel room, the more they succumb to each other’s paranoid delusions. A revival of Bug starring Namir Smallwood and Carrie Coon as the central couple has been wowing audiences at Broadway’s Samuel J. Friedman Theatre since early January. Its success is thanks in no small part to Smallwood and Coon’s electrifying chemistry, but it also speaks to the enduring relevance of the subject matter, underscoring how how many of the issues that society is dealing with in the age of QAnon, climate denialism, and AI-powered hoaxes aren’t entirely new. Bug also continues an impressive winning streak for Chicago’s storied Steppenwolf Theatre, where the current revival began life several years ago—and was derailed during its 2020 run by COVID-19 pandemic. The nonprofit theater has been something of a springboard for Chicago-to-New York transfers lately, with Broadway shows including Purpose by Branden Jacobs-Jenkins, King James by Rajiv Joseph, Downstate by Bruce Norris, and Pass Over by Antoinette Nwandu all making the leap from Steppenwolf. Fast Company recently caught up with Smallwood, who discussed his approach to a character fraught with emotional disarray and paranoia. Bug concludes its run this weekend, after which Smallwood will be returning to Steppenwolf to work on Windfall, a new play by acclaimed playwright and Oscar-winning screenwriter Tarell Alvin McCraney. The following is an excerpt from our conversation, edited for length and clarity. What drew you to this material? I was asked to read the play by Anna Shapiro, who was the artistic director of Steppenwolf in 2018. When I read it, I was immediately floored. I’d heard of Bug, both the play and the [2006] film, but I’d never seen them. It just struck me as very pressing—this is something that is happening right now, conspiracy theories and the like. It was like it was written yesterday. There’s quite an emotional journey with this character. How do you approach a role like this? What was the process like thinking about this emotional journey that you were going to have to take every day on stage? For me, it always starts with the script. I knew that Peter Evans, the character, was based off of Timothy McVeigh of the Oklahoma City bombing. I started with that, and learning about the idea of these particular people being asexual, being loners, and just being very neat. Then I started doing some other research about Christopher Donner and John Muhammad, and started just really going down the rabbit hole of who these people are, what made these people do the things that they did. The through line with these three people is that something happened. They learned something, and they couldn’t unlearn it, and they tried to rectify whatever they could through whatever methods they thought were necessary. And going to Peter Evans, I had to really learn about the things that he was talking about in the script. Were they real? Yes, they were. And how did that connect with me as a Black man in America? I had to really learn how that affected people who looked like me. Were there changes to the script that were made to tailor it to your experiences as a Black actor and bringing that to the role? No changes at all. There was only one line that Tracy changed, where the character Goss says to [Carrie Coon’s character] Agnes, the original line was, “Who was that boy [over here last night]?” Instead of boy, he changed it to, “Who was that young fella? That was it. That was the only change. There are a lot of themes in this play. In addition to the conspiracy theory aspect of it, there’s substance abuse, there’s mental illness. There’s just a lot to grab onto from a thematic standpoint. Are there specific themes that you personally feel the audiences should be taking away from this? I think people should take away the fact that these are two lonely people who have found something within each other that they can hold onto. And there is a loneliness epidemic going on right now across the globe. We talk about the male loneliness epidemic, and it’s a real thing. So I think, yes, we’re living in a time of instant information, good or bad, true or false, contagion. We lived through a whole pandemic six short years ago. It must have been pretty wild doing this play and having it disrupted by COVID, given the subject matter. It was the craziest thing in the world. We were three days away from closing, and all of a sudden, March 12th, we have to shut everything down. The whole world is shut down—insane. Doing a play called Bug and being shut down by a bug. You can’t make this up. There’s a set change in this piece that to me that was heart-stopping, and I noticed the audience reaction to the set change. There were a lot of gasps on the night I saw it. Do they react that way every night, or are there different ways that they react? There were a few times in this production on Broadway, including yesterday, where the audience clapped during that change. Clapping for the set? Yes, clapping for the set. And it’s amazing. They did it in Chicago numerous times. There have been so many Steppenwolf-to-Broadway transfers in the last few years. What do you think that says about the state of theater in New York that we get so many of our great plays from elsewhere? There’s something about Steppenwolf—stuff that comes out of Chicago, but Steppenwolf in particular—where it’s very real. It’s very visceral and it’s not showy . . . People are actually living this stuff on stage in real time. The audiences go on a journey with these actors telling this story, and it’s almost immersive. And I think that maybe New York theater is kind of hungry for that kind of aesthetic: something that is like, “Oh my God. I haven’t seen anything like this before.” View the full article

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Fintech in AI search plays by much stricter rules. Because it’s a Your Money or Your Life category, products must clear higher verification thresholds before AI mentions you: Is your product legitimate? Are your fees and protections explicit? Do other trusted sources back up your claims? To find these answers, AI draws from your website and the wider web — including sources you don’t control. That risks misrepresentation of your brand. What matters, then, is whether those sources tell an accurate story. In this article, I’ll explain how to influence that narrative. Because the real goal is for your fintech brand to show up in AI search AND be represented accurately. 3 Types of AI Visibility in Fintech Your fintech brand can appear in AI search in three ways. Your goal is to show up in all three. Mentioned when AI explains topics in your category Cited and linked within the answers Recommended as part of a shortlist of products Brand Mentions Brand mentions are when AI systems include your name in an answer. They’re great for brand awareness. These references put your name in front of buyers even when they’re not seeking you out. For example, I asked ChatGPT: “Are buy now, pay later providers ideal for my business?” It mentioned several BNPL platforms in its response. This suggests the AI recognizes those brands as part of the category and relevant in the space. You’ll often see mentions as: Lists embedded inside explanations: “Popular BNPL providers include X, Y, Z…” Examples supporting a point: “Some neobanks, like X and Y, offer…” Context for user stories: “Many users switch from traditional banks to apps like X…” A mention isn’t a recommendation, but it still matters. Mentions often appear in non-brand queries. That’s when users begin exploring their options. And if they see your brand mentioned often, it builds familiarity. (Also known as the mere exposure effect.) So, by the time a user reaches the decision stage, they’re more likely to recognize your name. But sometimes that isn’t enough. That’s why having a positive brand sentiment is vital. The way AI mentions your brand can shape buyer perception. If it often frames your product as “known for strong security,” that idea sticks. But if the AI always pairs your name with warnings like “high fees” or “frequent outages,” it can raise doubts. Citations Citations are when the AI uses your pages to support its answer. They’re valuable for boosting credibility and consumer trust. When AI uses your content as a source, there’s an implied endorsement. It references you because you’re trustworthy. And when you’re consistently cited, your brand becomes associated with expertise in the topic. Citations may appear differently across platforms and prompts. Sometimes they appear as footnotes and/or as inline links. You might also see a sidebar or expandable panel with grouped sources. Other times, citations appear as thumbnails somewhere in the AI’s response. Regardless of format, the principle is the same: When the AI cites your documentation, it signals that your content is being treated as a reliable source. It’s pulling information from your pages to build its answer. And this allows you to influence how the AI explains your product. For example, I asked ChatGPT: “What reporting and analytics does Klarna offer brands after implementation?” Many of the citations came from Klarna’s documentation. This implies that Klarna has some level of influence over the AI’s answer. There’s a caveat with citations, however. LLMs might link to your site, but that doesn’t always mean more traffic. Citations are less visible than brand mentions or recommendations. I rarely click them myself. If I need more detail, I’ll usually continue the conversation within the platform. Or switch to Google search. That’s likely true for many users. Still, citations signal that AI systems trust your documentation. And that trust enables product recommendations, which we’ll cover next. Further reading: E-E-A-T in the AI Era: Complete Guide + Free Audit Product Recommendations Product recommendations are when AI includes your brand or product in a shortlist. They’re the most impactful type of AI visibility because they influence which brands users consider. And ultimately, which product they choose. Here’s what recommendations look like in ChatGPT and Google AI Mode. I asked: “Which BNPL platform is good for mid-size ecommerce brands?” Both listed Klarna as one of the top options. This places Klarna front and center as buyers narrow their options. Showing up in high-intent queries is vital for recommendations. These are prompts that include “top,” “best,” “compare,” or “alternative.” Such as: What are good alternatives to X for a small business What are the best budgeting apps for freelancers List the best neobanks with high-yield savings But showing up in these queries isn’t automatic. AI systems use specific signals to decide which brands to recommend. How LLMs Choose Which Fintech Brands to Feature AI acts as a filter between buyers and brands. So how do these systems decide which brands and products to recommend? From what we can observe, comes down to two signals: consensus and consistency. Consensus Consensus is when multiple reputable sources mention your brand and product. AI surfaces brands that have this kind of social proof — it suggests that you’re real, trustworthy, and worth recommending. The stronger the consensus, the more confident AI is in featuring you. But this cuts both ways. If sources consistently highlight negatives, AI may repeat those warnings instead. In fintech, AI systems likely assess consensus from several sources, including: Partner-bank and infrastructure disclosures Regulatory databases Personal finance publishers Finance communities and review platforms Partner sites Technical and investor communities So, a big part of AI optimization is showing up in the sources LLMs use to form consensus. The easiest way to identify those sources is to run brand-related prompts. Example: “Best banks for international transfers.” Then, check which sites appear in the citations. Those are the sources the AI model trusts. When these sites and reviews talk about your brand, it increases your chances of being mentioned by AI. Further reading: Read our search everywhere optimization guide for tips on building a positive brand reputation across platforms. Consistency It’s not enough for your brand to be mentioned everywhere. The sources also need to agree on the facts they’re sharing about you. That means the core details of your product align all over the internet, including your: Category Pricing and fees Product features Protections For example, I asked ChatGPT and Google AI Mode for “best budgeting apps.” Both recommended YNAB (You Need A Budget). That’s no surprise. YNAB appears in dozens of reputable sources, including Money, CNBC, NerdWallet, and Wirecutter. It’s also frequently mentioned in finance communities, such as myFICO Forum. These sources also highlight specific use cases: college students, goal-setting, and overall budgeting. These consistency signals help AI confidently recommend YNAB for those exact scenarios. Building consistency across platforms comes down to good ole PR and reputation management. Ensure your key details align across your site and third-party coverage. Working with publishers and affiliates will help you shape how your brand is described. Ultimately, consistency starts with content: what you publish and what others publish about you. 3 Types of Content That Dominate Fintech in AI Search LLMs will reference any public content they can access. In fintech, three types carry the most weight. 1. Owned Content Owned content is anything you publish and control on your own properties. This includes your website, documentation, and any branded platforms. AI analyzes these places for your version of the facts. That’s why content like “What does this product do?” or “How does it work?” is so essential. For example, I asked ChatGPT: “Compare ATM withdrawal limits, card spending caps, and international FX fees for Wise, Revolut, and Monzo.” Its answer cited many of the three brands’ pricing and product pages to build the comparison. This indicates the AI uses these pages to answer this query. For you, this means your website plays a big role in what AI says about your product. Treat your site as both a marketing and educational channel. Publish the product details that matter to buyers. Look at your sales conversations, support tickets, and comparison research to identify questions, concerns, and pain points. For example, Intuit’s TurboTax landing page includes extensive product details. It covers everything from security and guarantees to key tax filing information. This helps the AI (and users) understand what the product includes, how it works, and who it’s for. 2. Earned Media and Reviews Earned media and reviews are third-party perspectives on your product. This includes everything from editorial coverage to user feedback. LLMs use these sources to fact-check your claims. It’s also how they understand what it’s like to use your product. In fintech, third-party sources often include: Editorial guides and roundups by established finance sites such as Kiplinger and MarketWatch Affiliate and review platforms, including sites like the Better Business Bureau (BBB) Community discussions on platforms such as Quora and finance forums like MoneySavingExpert For example, I asked ChatGPT: “What reporting and analytics does Klarna offer brands after implementation?” The citations included Klarna’s own documentation. Plus, sites such as print-on-demand platform Gelato, Forbes, and G2. That mix is worth noting. It shows the AI isn’t taking Klarna’s claims at face value. It’s cross-checking them against third-party evaluations. The takeaway here is to treat reputable third-party coverage as a core growth channel. One proven strategy: publish original research that journalists can cite. Take KPMG’s Pulse of Fintech H1 2025 Report, for example. Each edition generates media coverage across major sites like Bloomberg and Trinetix. This works because reporters are constantly hunting for newsworthy statistics. Other things you can do to increase earned mentions include: Fill out or update third-party listings you control, like app store profiles Co-author articles to earn mentions in trusted sources Synchronize PR, product, legal, and marketing so your brand story stays unified everywhere Further reading: LLM Seeding: A New SEO Strategy to Get Mentioned by LLMs 3. Official Records Official records are documents that confirm your legal authorization to operate. LLMs treat them as proof and confirmation of compliance and regulatory standing. The types of official records LLMs cite include: Regulatory registries and licenses Regulatory disclosures and notices Partner bank disclosures Corporate records These sources allow the AI to answer questions on legitimacy and protection. For example, I asked Perplexity: “Is Wise licensed to operate in the U.S., and what protections apply to Wise balances?” The citations included: A PDF consent order from six state financial regulators Wise’s National Trust application filed with the OCC The California DFPI’s regulated-entity page for Wise US, Inc. Along with Wise’s documentation, these give AI enough evidence to answer confidently. They confirmed that Wise: Operates in the U.S. Under specific entities And with the appropriate approvals and protections In fintech AI search, this kind of regulatory confirmation is a strong trust signal. It tells AI systems that your product is legitimate and safe to mention. This creates a real opportunity for you. AI systems can only cite what they can find, parse, and verify. Your job is to make your regulatory standing explicit, structured, and easy to retrieve. Start by naming your partner banks, custodians, and key infrastructure providers on your site. And keep those details up to date across your site. Publish key pages that AI systems can pull from, including: Regulatory and licensing: Clearly list your licenses, registration numbers, regulatory bodies, and jurisdictions where you operate Protection: Explain in plain language how funds are safeguarded, what insurance applies, and which entities custody assets Link to these pages from your footer and trust pages so AI bots can easily find them. How Fintech Brands Can Improve AI Search Visibility and Accuracy 54% of Americans now turn to ChatGPT for financial research, according to a Motley Fool Money study. That means buyers often get the “AI version” of your brand before they see your website. That’s actually good news. A Microsoft study found that AI traffic converts at 3x the rate of other channels. This includes search, direct, and social media. The catch? This only works in your favor if the model accurately describes your product. Here’s how to help it do that. Provide Proof That Your Brand Is Real and Trustworthy LLMs need proof they can validate before they include you in answers. So your trust details need to be public and clear across your owned platforms. One effective way to do this is with a dedicated section on your site. This can serve as your primary source of truth. Many fintech brands, like SoFi, do this with a “Trust & Security Center.” But a well-structured “Help Center” like Venmo’s works, too: Overall, make it easy for LLMs (and users) to find the facts that reduce perceived risk: Who holds the funds Who powers the product How the product works Reiterate the same trust details in related pages and sections of your site. Add them to your homepage, About page, and FAQ sections on service pages. Many fintech brands also include disclosures, like Member FDIC or partner bank language, in the footer. A keyword tool like Semrush’s Keyword Magic can help you find safety and trust concerns people have about your company. If they’re asking these questions on Google, you can bet they’re asking them in AI tools, too. How you format your content is crucial. Ensure it’s easy for AI to extract and cite: Use question-and-answer structures for common concerns Answer each question with a clear, direct, and quotable response Include facts and statistics when applicable Finally, treat data hygiene as a required part of your process. When a partner, protection, or operational flow changes, update the documentation immediately. Then clean up anything outdated. Redirect or remove old PDFs and help docs so AI only finds the current version. Further reading: Content Writing 101: How to Create High Quality Content Reduce Mixed Messages About Your Product Online Contradictions undermine AI’s trust in your brand. They break the consistency signal, making AI systems cautious about recommending you. But inconsistencies can easily happen over time. As your company evolves, public-facing information can become outdated. Older pages, screenshots, or explanations remain discoverable online. But AI systems can’t always determine which version is current. The good news is that you can fix this with a few focused actions. First, start where you have complete control: your own site. Ensure your core narrative, product details, and trust documentation are fully synchronized on all landing pages and trust hubs. SoFi does this well. Their “all-in-one” app positioning is reinforced throughout their site. As you update your site, have marketing, product, and compliance teams work together. This ensures consistency in promotional materials, regulatory disclosures, and product specs. Next, make sure that affiliate and “best-of” publishers accurately describe you. Affiliate sites and finance publishers are the most-cited sources in AI answers, according to the Semrush AI Visibility Index (December 2025). So, it’s worth checking what these sites are currently saying about you. (Especially on “best of” listicles, comparisons, and reviews.) To do this, research the questions people ask when evaluating your product. They’re usually formatted like this: Is [Brand X] legit [Brand Y] fees Can I trust [Brand Z] [Brand X] vs [Brand Y] Is [Brand X] safe Google’s People Also Ask and keyword tools let you find these questions. You can also use Semrush’s AI Visibility Toolkit to see what questions users ask LLMs about your industry. It tells you the exact prompts they use: Then, look at which pages and websites are often cited. If you’re using the AI Visibility Toolkit, it will pull these for you: Otherwise, manually search the questions you found in different generative engines. Click each source and scan for inconsistencies. If you find something wrong, reach out to the publisher for a correction or update. Make it easy for them to make changes by providing clear, publish-ready facts. Another vital step is monitoring (and participating in) online finance conversations. Forum and social media posts have a long shelf life. This can pose consistency problems for you as your company grows and your products change. Reddit, for example, rarely deletes old posts. So outdated answers can stay discoverable for years. Reduce the impact of outdated information by: Replying with a simple correction, especially in threads you see cited in AI engines Making sure your social media accounts repeat the correct version Announcing updates where people discuss your category It’s also worth being more present in communities that AI often cites. For example, Fidelity’s subreddit often shows up in Fidelity-related questions. If you manage or participate in spaces like this, you can influence the public record directly. Use our brand subreddit guide for tips on setting one up and growing your visibility. Manage Brand Perception and Sentiment AI systems assess how other sites talk about you. That public sentiment shapes the answers users get. For example, I asked ChatGPT: “Is PayPal safe?” It didn’t give a definitive “yes.” Instead, it used qualifying language like “generally considered” and “not perfect.” It also added important caveats and security considerations. Looking at the citations, you can see the sources that contributed to those caveats: Investopedia, comparing PayPal’s safety measures to credit cards Community discussions, such as r/privacy, where users debate PayPal’s risk profile Editorial sites and even some competitors like Wise outlining protections and limitations This means: How other sites describe you affects how AI describes you. That makes sentiment tracking vital. Set up regular AI search visibility audits for your brand. You can do this manually by monitoring different AI platforms. Start with the top two most used generative AI tools: ChatGPT and Google AI Overviews. Each month, run a consistent set of high-intent prompts related to your brand and category. Note the sentiment, including any differences between AI models. Look for patterns to assess whether your sentiment is positive, neutral, or negative: Regular positive framing Repeated warnings Recurring pros and cons Yes, doing this manually takes time. If you’d rather automate the process, use the AI Visibility Toolkit. For example, it provides your brand’s overall sentiment and share of voice. It breaks this down by platforms, including: Google AI Mode ChatGPT Perplexity Gemini You can also see how you stack up against your biggest fintech competitors. The Narrative Drivers tool is especially useful. It shows the exact questions people ask about your brand. And the percentage of favorable sentiment towards you in each answer. This makes it easy to see where you’re perceived positively or negatively at scale. Really cool. Make Your Fintech Brand Easy for AI to Trust AI is changing fintech in a number of ways. Most notably, a buyer’s first touchpoint is now often an AI-generated answer. If you’re not in those answers, you’re not in the decision. The fix: build consistency and consensus signals for your fintech brand. You already have a strong idea of how to do that. Now, dive deeper into the topic with our AI optimization guide. The post Fintech in AI Search: How to Be the Trusted & Featured Brand appeared first on Backlinko. View the full article

We may earn a commission from links on this page. If you’ve been wearing a Whoop, you’ve probably explored some of the features of its incredibly rich app—but chances are, some things are still hiding from you. I’ve been wearing a Whoop off and on since version 3.0, so let me tell you some of the best ways to use the Whoop (and a few things I think you should do differently than you’re “supposed” to). Whoop 5.0, 12-Month Membership $239.00 at Amazon Get Deal Get Deal $239.00 at Amazon Use the Whoop's strength trainer after (not during) workoutsI’m going to start off with my strongest opinion, and you’re free to disagree: Whoop’s strength trainer is a pain the butt to use during workouts, but you get all the benefits with less hassle if you use it to attach a workout after you finish recording your gym session. The Strength Trainer knows what exercises you’re doing, and so it can calculate a “muscular load” for the workout. This is great, because you now get an appropriately high strain score for a hard workout. (Without Strength Trainer, Whoop only uses heart rate data to calculate strain, which of course underestimates your strength workouts.) I don’t like using the Strength Trainer during workouts because you have to remember to start and stop each set, and mid-workout editing is annoying. But there is an easier way! Just record an appropriate workout type (like “weightlifting”), and then after your workout Whoop will prompt you to attach a Strength Trainer workout. You select your exercises, fill in your weights, and then Whoop re-processes the workout to give you your new, higher strain score. Turn your phone sideways Credit: Beth Skwarecki This is a little Easter egg that you may never discover except by accident. When you’re on the home screen, turn your phone sideways. You’ll see a long, horizontal graph of your heart rate for the day so far, with sleep and workouts highlighted. (You need to have rotation unlocked in your phone settings, of course.) Set up a custom weekly planThe weekly plans are a truly underrated feature of the Whoop app. They give you a way to focus on the firehose of data Whoop can track, turning it into a few simple tasks you can work on throughout the week. If you’re feeling either stumped or overwhelmed when you look at your Whoop app, set up a plan and check on your progress throughout the week. If you don’t know where to start, you can choose one of the pre-made plans. For example, the “Feel Better” plan gives you a target for daily steps, suggests meeting a hydration goal four days per week, and doing “any recovery activity” three days per week. All of these parameters are editable, if you’d like to tweak something. But you can also set up a custom plan, or ask the Whoop Coach to write you one. The plan can use any combination of Journal answers (“did you hydrate today?”) and data that Whoop gathers (for example, I’m aiming for 65% sleep consistency). I find it more motivating to chip away at weekly targets rather than follow (or ignore) individual recommendations each day. Use the “daily outlook” rather than just tapping the Whoop Coach iconWhoop Coach is the only fitness AI I’m currently on speaking terms with. They all have their flaws, but the Whoop Coach is pretty good about delivering the highlights of your data each day and telling you how you’re doing compared to your weekly goals. That said, there are two ways to access Whoop Coach, and one of them is more useful than the other. The way I like to use it is to look for the “daily outlook” button in the middle of the home screen, right under “My Day” and above the timeline. Tap this, and you’ll get a full rundown of what you’ve been doing well lately and where you may want to focus your efforts today. (If I’ve been doing a lot of outdoor workouts lately, I’ll even get a weather report.) Meanwhile, the “W” button in the corner of the screen also brings up the Whoop Coach, but it’s a lot less helpful. This coach seems to focus on designing my next workout, whether I want to do that or not, and it doesn’t usually take my weekly plan or other relevant goals into account. If you miss the old strain/recovery view, get it back with a widget Top: the "old" view. Bottom: the new one. Both are available as home screen widgets (shown on iPhone). Credit: Beth Skwarecki The Whoop app offers widgets you can put on your home screen, which mostly just replicate data you can get in the app. But one of them is slightly different—a widget that shows strain and recovery the way the app used to. This view is arguably confusing, and I understand why Whoop moved away from it: your strain and recovery are shown as concentric circles, and sleep score is missing. But who really needs the sleep score? This widget gives my HRV and the calories it thinks I’ve burned so far today, with little icons in the corners for how long a streak I’ve kept up and the current battery life of the device. If you’d prefer the current design, with separate circles for sleep, recovery, and strain, there’s a widget option for that as well. Broadcast your heart rate to gym equipmentThe Whoop sensor picks up your heart rate, so why not use it as a heart rate monitor with other devices? It’s not as accurate as a chest strap, so I wouldn’t advise using it in place of one, but it’s a convenient way to broadcast your heart rate to a treadmill or elliptical machine at the gym. This way you can see your heart rate on the machine’s display in real time, while still tracking the workout to your Whoop app as usual. To turn on heart rate broadcasting, tap the icon for your device (in the top right corner of the app) and you’ll see a toggle labeled broadcast heart rate. Wear it on your body (with or without buying more products from Whoop)The wristband is convenient, but the ability to be worn in a bicep band is one of Whoop’s best features. You can buy Whoop’s own bicep band, but it’s not cheap. You can also buy compatible third-party bicep bands from other retailers like Amazon. This one snaps onto the Whoop device more easily than Whoop’s own band does. Whoop also has its Body line of clothing, including sports bras and boxer shorts with a pocket for the device. If you’re handy with a sewing needle, you could create your own. And if you’re not, but want to get the Whoop off your wrist for a particular occasion, I’ve had success taping the device to my skin with athletic tape. Not my proudest moment, but it worked. Set up custom bedtime recommendationsWhoop’s best sleep features are a little bit hidden. Since the app knows how “recovered” you are, it can estimate how much sleep you’ve been missing out on, and recommend a bedtime to help you catch up, if needed. There are a few layers to this feature, so bear with me. First, scroll down on your home screen, and you’ll see a card with a recommended bedtime and wake time. Next, tap that card and you’ll see a screen where you can change what kind of bedtime recommendation you’ll get. You can choose to “meet my sleep need” (catch up if needed) or “improve my sleep” (try to stay consistent while still getting as much sleep as you reasonably can). There’s more, though: tap the calendar icon at the top right corner, and you can set a weekly schedule. For each day on the schedule, you can decide if you want an alarm at a set time of day, or if you’d like the Whoop device to buzz you when you’ve hit a certain amount of sleep. This could be enough to “get by,” enough to “perform,” or enough to “peak” (meet 100% of your sleep need). You can also use the schedule to get recommendations even if you don’t want the alarm. Only track some things in the journalEvery day, Whoop will prompt you to fill out a questionnaire about what you did the day before. This helps it to figure out what affects your recovery. A classic example is logging when you drink alcohol, and then getting hard data on just how poorly you slept on the nights you drank. At first, you’ll be tempted to log everything. But that’s not the right way to use the journal. First of all, if you already know something (like that alcohol interferes with your sleep), there’s no need to track it. Secondly, tracking too many things is just a lot of hassle when it comes time to fill out your journal. You can tap the “use previous answers” checkbox, but then you’re likely to miss a few things. Most importantly, Whoop can’t even use the data from your answers unless you’re racking up answers that are both yes and no. So there’s no need to log anything you always do, or anything you never do. I recommend paring down your journal questions like so: Things that you sometimes do and sometimes don’t, and you don’t yet know how they affect your sleep and recovery Things that you want to log for the sake of a weekly plan Things that are directly relevant to your life right now, because you can always swap out your questions from time to time. Use those guidelines to whittle down your journal questions to just the things that actually help you to accomplish some kind of goal. Revisit the list every month or so; for example, I track allergy symptoms during the spring allergy season, but I remove it from the list for the rest of the year. Keep the questions relevant and the journal will stay useful. Charge the Whoop band when you showerWhoop ships most of its devices with a wireless power pack. It’s a great idea, in theory: you can slip the battery pack onto the device while you’re wearing it, so you don’t miss a minute of valuable data. And I do appreciate this when I’m about to head out for a run and I realize my battery is at 2%. But I don’t routinely charge the Whoop this way if I can help it. Because who wants to wear a strap with a giant battery pack hanging off it? Not me. And as for 24/7 wear, I do not want to shower with a fabric band around my arm, and then have a soggy band to wear for hours afterward. Instead, I take the Whoop off to shower, and if the battery level is low, that’s when I charge it. This way I avoid both of these inconveniences. I recommend you do, too. View the full article

Don’t bring your mom or dad to an interview with Shark Tank investor Kevin O’Leary if you were planning on it. On a recent appearance on Fox Business’ Varney & Co., O’Leary argued that doing so—bringing parents to a job interview—sends a “horrific signal” to employers, and calls it a “big red flag.” “First question I’d have to the son or daughter, I’d say, ‘Do you want me to hire your mother or you? What’s she doing here?'” O’Leary said. “That résumé goes right into the garbage.” This isn’t simply a hypothetical situation. The data shows a not insignificant number of young jobseekers are tapping in parents throughout the hiring process to boost their odds—even if it ends up backfiring against them. In a survey conducted by Zety and Pollfish of roughly 1,000 Gen Z workers, 20% said a parent has joined them during a job interview. That included 15% who said this happened in person, and 5% virtually. One in five Gen Z workers said a parent has also reached out to an employer or recruiter on their behalf, according to Zety. Over 40% of Gen Z respondents said their parents helped them draft their résumé. O’Leary has experienced this firsthand. “It happened to me on a Zoom call, and I just said, this isn’t going to work,” he told Fox Business. “Your mom is not gonna be part of this discussion,” he said. This is an alarm bell, he said. “I want to find out if you can think independently, make decisions independently,” O’Leary said. “It just shows you that this person doesn’t have the confidence or ability to do the mandate that you’re offering them.” The entrepreneur also has some advice for other business leaders who might find themselves in a similar situation. “Just say: ‘Sorry. That’s not going to work for us,’” he said. “It means you can’t do this on your own. I think it’s a horrific signal—and I really think that parents that are overbearing like this think that they’re going to add value.” Millennials will recall facing similar accusations in their early careers. Besides the Zety survey, there’s additional data that suggests the number of Gen Z tapping in their parents for job interviews could be high, too. According to a 2025 study by Resume Templates, 77% of surveyed Gen Z job seekers have brought a parent along to a job interview. Some have even gotten them to negotiate pay raises and complete hiring tests on their behalf. But this isn’t solely a case of mollycoddling parents: Only 41% of young people said they were “highly confident” navigating the job market, according to a 2025 report from Big Brothers Big Sisters of America and The Harris Poll. This is largely to do with a lack of professional mentorship as well as a highly-competitive job market that means each interview comes with increased pressure. Despite O’Leary’s warnings, however, most Gen Z workers are competent, independent workers who can ace an interview without the help of mom and dad: 80% of respondents to Zety’s survey said their parents had no involvement during interviews. Adding to that, over half of Gen Z respondents said they would feel “embarrassed or upset” if their parents reached out to their employer without their knowledge. View the full article

Many homeowners and first-time buyers are surprised by rising property taxes and insurance, which can sharply increase monthly mortgage costs beyond principal and interest. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The Samsung HW-C450 soundbar is one of the best ultra-thin soundbars on the market, and at less than two inches thick, it packs some serious power with six drivers and built-in amplification. A compact, minimalist option for small rooms (or just for those who don’t want a bulky, unsightly audio accessory ruining their media-viewing room), this highly rated 2.1-channel soundbar with a wireless subwoofer just dropped 29% on Amazon, bringing its price to $139.97 (originally $197.99). Samsung HW-C450 Soundbar $139.97 at Amazon $197.99 Save $58.02 Get Deal Get Deal $139.97 at Amazon $197.99 Save $58.02 While it doesn’t have the surround sound of a 5.1 system, CNET notes that this soundbar delivers “impressive sound quality” despite its small size, with better-than-average sound detail for movies and TV shows. While it features modes like Game Mode and Bass Boost, if your primary goal is to use it for music, you may want to look elsewhere. The HW-C450 also lacks HDMI connectivity compared to models with multiple inputs, like the Sony HT-CT150. The display features illuminated, touch-sensitive buttons if you don’t want to use the remote (or tend to misplace it), and there’s no need for a wire to connect the included sub, which provides additional low-end punch. It’s a sleek and powerful option for a home theater experience, making it a great option for decor-minded buyers looking to beef up their TV and movie-watching experience with style. The slim design fits neatly under TVs without obscuring the screen, and at under $150, now is a great time to invest in the surprisingly bassy Samsung HW-C450 soundbar if you’re on a budget. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $119.00 (List Price $179.00) Samsung Galaxy S26, Unlocked Android Smartphone + $100 Gift Card, 512GB, Powerful Processor, Galaxy AI, Immersive Viewing, Durable Battery, 2026, Black — $899.99 (List Price $1,199.99) Samsung Galaxy Buds 4 AI Noise Cancelling Wireless Earbuds + $20 Amazon Gift Card — $179.99 (List Price $199.99) Google Pixel 10a 128GB 6.3" Unlocked Smartphone + $100 Gift Card — $499.00 (List Price $599.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $329.00 (List Price $349.00) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $329.00 (List Price $429.00) Amazon Fire TV Soundbar — $99.99 (List Price $119.99) Deals are selected by our commerce team View the full article

A payroll firm is a specialized service provider that handles various aspects of payroll processing for businesses. These firms manage wage calculations, tax withholdings, and compliance with labor regulations, which can greatly reduce the burden on your HR team. By outsourcing payroll, you can save time and minimize errors, allowing your organization to operate more efficiently. Comprehending how a payroll firm functions and the specific benefits it offers can be essential for your business’s success. Key Takeaways A payroll firm manages payroll processes, including wage calculations, tax withholdings, and compliance, ensuring accuracy and efficiency. Outsourcing payroll saves time for HR teams, allowing them to focus on core business functions and enhancing overall productivity. Payroll firms help businesses navigate complex tax laws, ensuring compliance and reducing the risk of penalties and errors. Advanced technology and automation in payroll services minimize manual calculations, saving significant time and improving accuracy. Payroll firms offer scalable solutions with predictable costs, making it easier for businesses to budget and manage payroll expenses. What Is a Payroll Firm? A payroll firm is an external service provider that takes on the responsibility of managing payroll processes for businesses. These firms specialize in calculating wages, handling tax withholdings, and ensuring compliance with payroll regulations. By utilizing advanced software, a Paychex firm can automate payroll processing, considerably reducing the time spent on calculations and diminishing the risk of errors and compliance issues. For clinics, clinic payroll services are particularly beneficial, as they often include additional features like tax filing, year-end reporting, and employee self-service portals. Outsourcing payroll functions allows you to reclaim valuable time, as many business leaders spend over 11 hours weekly on HR administration. Furthermore, payroll firms help mitigate financial risks associated with tax penalties, ensuring that payments are made accurately and on time according to federal, state, and local regulations. This all-encompassing approach makes payroll firms an essential asset for any business. Key Responsibilities of a Payroll Firm When you partner with a payroll firm, you benefit from their key responsibilities, which include payroll processing automation, tax compliance management, and employee payment services. They streamline your payroll operations, ensuring that employee wages are calculated accurately and paid on time, whilst also handling complex tax regulations to keep your business compliant. Payroll Processing Automation Payroll processing automation streamlines the intricate tasks associated with managing employee wages and compliance. By automating wage calculations, payroll firms reduce processing time from over an hour bi-weekly to just three minutes. This efficiency minimizes errors, ensuring accurate tax withholding and wage garnishment, which helps you avoid penalties. Furthermore, payroll firms handle federal, state, and local tax filings, relieving you of the regulatory compliance burden. They integrate time tracking and attendance systems, enhancing the accuracy of wage calculations so employees are paid correctly for their hours worked. Many payroll service providers likewise offer self-service applications, allowing employees to access pay statements and update personal information, in the end improving employee experience and satisfaction within your business. Tax Compliance Management Effective tax compliance management is vital for businesses, as it guarantees that you accurately withhold federal, state, and local taxes, thereby reducing the risk of costly penalties. Payroll firms play an important role in this process by: Handling the filing of payroll tax returns, including quarterly and year-end submissions, which alleviates your administrative burden. Staying updated on regulatory changes to help you remain compliant with evolving tax laws. Managing complex compliance requirements, such as wage garnishments and unemployment insurance filings, with specialized expertise. Automating tax calculations and payments to save you time and minimize errors associated with manual payroll processes. Employee Payment Services Ensuring employees receive accurate and timely payments is a fundamental responsibility of any payroll firm. These firms calculate wages based on hours worked, overtime, and necessary deductions, guaranteeing that employees are paid correctly. They also manage tax withholdings and garnishments, ensuring compliance with federal, state, and local regulations to help you avoid financial penalties. Payroll firms automate the filing of payroll taxes and year-end reporting, allowing you to concentrate on your core operations. With direct deposit services, employees can receive paychecks electronically, enhancing convenience. Furthermore, many payroll firms offer self-service portals where employees can access pay statements, update personal information, and manage benefits, in the end improving the overall employee experience and engagement within your business. Benefits of Outsourcing Payroll When you choose to outsource payroll, you can greatly streamline your business operations. This decision not only saves you time but additionally improves accuracy and security. Here are four key benefits of outsourcing payroll: Time Savings: Payroll providers handle calculations, filings, and payments, allowing your HR team to focus on core business functions. Error Reduction: Automation minimizes errors in wage calculations and tax filings, reducing the risk of costly penalties. Improved Security: Specialized firms use encryption and secure platforms to protect sensitive employee information, ensuring data security. Expert Guidance: Access to payroll expertise helps you navigate complex regulations and provides timely support during audits and tax season. How Payroll Firms Ensure Compliance Payroll firms play a crucial role in helping businesses navigate the intricacies of compliance with various tax regulations. They stay updated on federal, state, and local tax laws, which guarantees you remain compliant and reduces the risk of costly penalties from misfiling or late submissions. By automating complex compliance processes, like filing 941 tax forms, payroll firms minimize errors and guarantee timely payments to tax authorities. Many providers even offer assurances on tax accuracy, covering the costs of any penalties incurred as a result of filing mistakes. Regular audits and compliance checks help identify and rectify discrepancies in payroll processing and tax obligations, guaranteeing adherence to labor laws. Furthermore, by managing wage garnishments and unemployment insurance claims, payroll firms help you navigate regulatory requirements effectively, reducing your overall financial risk. Relying on these experts allows you to focus on growing your business without the constant worry of compliance issues. Choosing the Right Payroll Firm for Your Business When you’re choosing a payroll firm, it’s vital to first identify your specific business needs to guarantee the firm can effectively address your challenges. Next, evaluate how well the provider integrates with your existing accounting software, as smooth data transfer is critical for efficient operations. Finally, assess the availability of their customer support, since timely assistance can help you navigate any payroll issues that arise. Identify Business Needs Identifying your business needs is crucial for selecting the right payroll firm, especially as various factors influence your requirements. Start by listing your current payroll challenges, such as compliance issues or time spent on calculations. Next, consider: The frequency of payroll processing you need. Whether your employees work in multiple states or countries, affecting tax regulations. Your potential for employee growth over the next year, which will require scalable solutions. The importance of integrations with time-tracking software and accounting systems to streamline payroll and improve accuracy. Evaluate Integration Capabilities Choosing the right payroll firm hinges on evaluating its integration capabilities, as seamless connections with your existing systems can greatly boost your operational efficiency. Make sure the payroll provider integrates smoothly with your accounting software, facilitating efficient data transfer and minimizing manual entry errors. A firm with human resources integration supports real-time updates for payroll-related policy changes, guaranteeing compliance. Check if the service includes time tracking and attendance integration, as this improves wage calculation accuracy and streamlines processes. Furthermore, look for benefits integration, allowing automatic deductions for health insurance and retirement contributions. Finally, assess the compatibility of self-service applications, as mobile-friendly access enables employees to check pay statements and update personal information easily, enhancing overall experience. Assess Support Availability How can you guarantee that your payroll needs are met without unnecessary delays? Evaluating support availability is essential when selecting a payroll firm. Here are some key factors to take into account: Support Hours: Verify they offer assistance during peak times, like year-end tax filing. Contact Methods: Look for firms that provide multiple channels, such as phone, email, and live chat, to improve accessibility. Dedicated Support: Analyze if they assign dedicated account managers or support teams for personalized service. User Feedback: Investigate reviews and testimonials to understand the responsiveness and effectiveness of their customer support. Common Challenges in Payroll Processing Payroll processing poses several common challenges that can substantially impact a business’s financial health and operational efficiency. One major issue is tax compliance, with over $65.5 billion in civil penalties reported in 2023 as a result of payroll errors. These mistakes can lead to unexpected tax burdens and audits, costing businesses billions annually. Furthermore, small business owners often spend 3 to 10 hours each month on payroll taxes, with some dedicating over 10 hours, which indicates a significant time investment that could be streamlined. The complexity of payroll increases with flexible employee schedules and changing regulations, making accurate management difficult. In addition, maintaining organized payroll information is fundamental for future reporting, as these figures play an important role in hiring projections, tax calculations, and compliance with labor laws. Addressing these challenges is necessary to guarantee efficient payroll processing and mitigate risks. The Role of Technology in Payroll Services As businesses endeavor for greater efficiency in their operations, the role of technology in payroll services has become increasingly vital. Implementing advanced payroll systems can streamline your payroll process, offering several key benefits: Cloud-Based Automation: Automate payroll processing to reduce manual calculations, potentially saving you over 90% of the time spent on payroll management. Mobile Access: Manage payroll and access employee information from any device, enhancing flexibility and allowing for remote operations. Integration: Seamlessly connect with accounting software and time-tracking systems to maintain accurate wage calculations and improve data flow. Self-Service Options: Empower employees to access pay statements and update personal information on their own, increasing engagement and satisfaction. Additionally, advanced systems often include automated compliance monitoring, helping you stay informed about regulatory changes and minimizing the risk of costly payroll errors. Cost Considerations for Payroll Services When evaluating payroll services, comprehending the costs involved is crucial for making informed decisions that align with your business needs. Typically, payroll services range from $30 to $100 per employee each month, depending on the complexity of the services and your business size. Most providers charge a monthly base fee plus a per-employee processing fee, which helps you budget more effectively. For instance, ADP offers customized packages designed to client needs, providing flexibility in pricing based on specific requirements. As in-house payroll may seem cheaper upfront, outsourcing delivers predictable fees and scalability, saving you time and reducing compliance risks. Moreover, consider any extra services offered by payroll providers; these may incur additional costs but can improve payroll efficiency and compliance. Transitioning to a New Payroll Provider Shifting to a new payroll provider can be a critical decision for your business, especially if your current system isn’t meeting your needs. You can change at any time, allowing for timely adjustments. To guarantee a smooth process, follow these steps: Prepare Payroll Data: Gather detailed employee and tax information for the new provider. Verify Tax History: Check for errors in your tax history to meet obligations and avoid penalties. Conduct Payroll Verification: Review bank, employee, and tax information thoroughly for accuracy before the first payroll run. Cancel Old Services: Only cancel your old payroll provider after the first successful payroll run with the new provider to prevent payment disruptions. Frequently Asked Questions What Is the Point of a Payroll Company? A payroll company simplifies the payroll process for you, automating wage calculations and handling tax withholdings. By ensuring compliance with various regulations, it helps prevent expensive penalties. You’ll save time and reduce administrative burdens, allowing your HR team to focus on more strategic tasks. Many payroll firms likewise offer guarantees on tax accuracy, providing you with peace of mind and minimizing the risk of audits, making payroll management more efficient and reliable. What Is Payroll and What Are Its Advantages? Payroll is the process of calculating and distributing employee wages, managing tax withholdings, and guaranteeing compliance with labor laws. Its advantages include saving you time, as it can reduce manual processing from over an hour to just three minutes. By using payroll services, you assure accurate tax filings and compliance, minimizing the risk of costly penalties. Furthermore, employee self-service portals improve the experience by allowing workers to access pay statements easily. How Do Payroll Companies Make Money? Payroll companies make money primarily through monthly base fees and per-employee processing fees, which can range from $30 to $100 depending on the services offered. They additionally generate additional revenue from value-added services such as tax filing and HR consulting. Some firms provide tiered packages, allowing you to choose the level of service that suits your needs. Upselling features like improved reporting and employee self-service can further increase their earnings. What Do Payroll and Benefits Do? Payroll and benefits management involves calculating employee wages, withholding taxes, and guaranteeing timely payments. It streamlines the payroll process, reducing administrative tasks for you. Moreover, it handles tax filings at various levels, preventing potential fines. Benefits administration integrates with payroll, managing health insurance and retirement contributions effectively. Conclusion In conclusion, partnering with a payroll firm can greatly simplify your business operations by managing payroll intricacies, guaranteeing compliance, and reducing the potential for errors. By outsourcing payroll, you can focus on your core business functions as you utilize the expertise and technology of professionals in the field. As you consider this option, evaluate your specific needs, budget, and the firm’s reputation to secure a successful collaboration that improves efficiency and security within your organization. Image via Google Gemini and ArtSmart This article, "What Is a Payroll Firm and How Can It Benefit Your Business?" was first published on Small Business Trends View the full article

A payroll firm is a specialized service provider that handles various aspects of payroll processing for businesses. These firms manage wage calculations, tax withholdings, and compliance with labor regulations, which can greatly reduce the burden on your HR team. By outsourcing payroll, you can save time and minimize errors, allowing your organization to operate more efficiently. Comprehending how a payroll firm functions and the specific benefits it offers can be essential for your business’s success. Key Takeaways A payroll firm manages payroll processes, including wage calculations, tax withholdings, and compliance, ensuring accuracy and efficiency. Outsourcing payroll saves time for HR teams, allowing them to focus on core business functions and enhancing overall productivity. Payroll firms help businesses navigate complex tax laws, ensuring compliance and reducing the risk of penalties and errors. Advanced technology and automation in payroll services minimize manual calculations, saving significant time and improving accuracy. Payroll firms offer scalable solutions with predictable costs, making it easier for businesses to budget and manage payroll expenses. What Is a Payroll Firm? A payroll firm is an external service provider that takes on the responsibility of managing payroll processes for businesses. These firms specialize in calculating wages, handling tax withholdings, and ensuring compliance with payroll regulations. By utilizing advanced software, a Paychex firm can automate payroll processing, considerably reducing the time spent on calculations and diminishing the risk of errors and compliance issues. For clinics, clinic payroll services are particularly beneficial, as they often include additional features like tax filing, year-end reporting, and employee self-service portals. Outsourcing payroll functions allows you to reclaim valuable time, as many business leaders spend over 11 hours weekly on HR administration. Furthermore, payroll firms help mitigate financial risks associated with tax penalties, ensuring that payments are made accurately and on time according to federal, state, and local regulations. This all-encompassing approach makes payroll firms an essential asset for any business. Key Responsibilities of a Payroll Firm When you partner with a payroll firm, you benefit from their key responsibilities, which include payroll processing automation, tax compliance management, and employee payment services. They streamline your payroll operations, ensuring that employee wages are calculated accurately and paid on time, whilst also handling complex tax regulations to keep your business compliant. Payroll Processing Automation Payroll processing automation streamlines the intricate tasks associated with managing employee wages and compliance. By automating wage calculations, payroll firms reduce processing time from over an hour bi-weekly to just three minutes. This efficiency minimizes errors, ensuring accurate tax withholding and wage garnishment, which helps you avoid penalties. Furthermore, payroll firms handle federal, state, and local tax filings, relieving you of the regulatory compliance burden. They integrate time tracking and attendance systems, enhancing the accuracy of wage calculations so employees are paid correctly for their hours worked. Many payroll service providers likewise offer self-service applications, allowing employees to access pay statements and update personal information, in the end improving employee experience and satisfaction within your business. Tax Compliance Management Effective tax compliance management is vital for businesses, as it guarantees that you accurately withhold federal, state, and local taxes, thereby reducing the risk of costly penalties. Payroll firms play an important role in this process by: Handling the filing of payroll tax returns, including quarterly and year-end submissions, which alleviates your administrative burden. Staying updated on regulatory changes to help you remain compliant with evolving tax laws. Managing complex compliance requirements, such as wage garnishments and unemployment insurance filings, with specialized expertise. Automating tax calculations and payments to save you time and minimize errors associated with manual payroll processes. Employee Payment Services Ensuring employees receive accurate and timely payments is a fundamental responsibility of any payroll firm. These firms calculate wages based on hours worked, overtime, and necessary deductions, guaranteeing that employees are paid correctly. They also manage tax withholdings and garnishments, ensuring compliance with federal, state, and local regulations to help you avoid financial penalties. Payroll firms automate the filing of payroll taxes and year-end reporting, allowing you to concentrate on your core operations. With direct deposit services, employees can receive paychecks electronically, enhancing convenience. Furthermore, many payroll firms offer self-service portals where employees can access pay statements, update personal information, and manage benefits, in the end improving the overall employee experience and engagement within your business. Benefits of Outsourcing Payroll When you choose to outsource payroll, you can greatly streamline your business operations. This decision not only saves you time but additionally improves accuracy and security. Here are four key benefits of outsourcing payroll: Time Savings: Payroll providers handle calculations, filings, and payments, allowing your HR team to focus on core business functions. Error Reduction: Automation minimizes errors in wage calculations and tax filings, reducing the risk of costly penalties. Improved Security: Specialized firms use encryption and secure platforms to protect sensitive employee information, ensuring data security. Expert Guidance: Access to payroll expertise helps you navigate complex regulations and provides timely support during audits and tax season. How Payroll Firms Ensure Compliance Payroll firms play a crucial role in helping businesses navigate the intricacies of compliance with various tax regulations. They stay updated on federal, state, and local tax laws, which guarantees you remain compliant and reduces the risk of costly penalties from misfiling or late submissions. By automating complex compliance processes, like filing 941 tax forms, payroll firms minimize errors and guarantee timely payments to tax authorities. Many providers even offer assurances on tax accuracy, covering the costs of any penalties incurred as a result of filing mistakes. Regular audits and compliance checks help identify and rectify discrepancies in payroll processing and tax obligations, guaranteeing adherence to labor laws. Furthermore, by managing wage garnishments and unemployment insurance claims, payroll firms help you navigate regulatory requirements effectively, reducing your overall financial risk. Relying on these experts allows you to focus on growing your business without the constant worry of compliance issues. Choosing the Right Payroll Firm for Your Business When you’re choosing a payroll firm, it’s vital to first identify your specific business needs to guarantee the firm can effectively address your challenges. Next, evaluate how well the provider integrates with your existing accounting software, as smooth data transfer is critical for efficient operations. Finally, assess the availability of their customer support, since timely assistance can help you navigate any payroll issues that arise. Identify Business Needs Identifying your business needs is crucial for selecting the right payroll firm, especially as various factors influence your requirements. Start by listing your current payroll challenges, such as compliance issues or time spent on calculations. Next, consider: The frequency of payroll processing you need. Whether your employees work in multiple states or countries, affecting tax regulations. Your potential for employee growth over the next year, which will require scalable solutions. The importance of integrations with time-tracking software and accounting systems to streamline payroll and improve accuracy. Evaluate Integration Capabilities Choosing the right payroll firm hinges on evaluating its integration capabilities, as seamless connections with your existing systems can greatly boost your operational efficiency. Make sure the payroll provider integrates smoothly with your accounting software, facilitating efficient data transfer and minimizing manual entry errors. A firm with human resources integration supports real-time updates for payroll-related policy changes, guaranteeing compliance. Check if the service includes time tracking and attendance integration, as this improves wage calculation accuracy and streamlines processes. Furthermore, look for benefits integration, allowing automatic deductions for health insurance and retirement contributions. Finally, assess the compatibility of self-service applications, as mobile-friendly access enables employees to check pay statements and update personal information easily, enhancing overall experience. Assess Support Availability How can you guarantee that your payroll needs are met without unnecessary delays? Evaluating support availability is essential when selecting a payroll firm. Here are some key factors to take into account: Support Hours: Verify they offer assistance during peak times, like year-end tax filing. Contact Methods: Look for firms that provide multiple channels, such as phone, email, and live chat, to improve accessibility. Dedicated Support: Analyze if they assign dedicated account managers or support teams for personalized service. User Feedback: Investigate reviews and testimonials to understand the responsiveness and effectiveness of their customer support. Common Challenges in Payroll Processing Payroll processing poses several common challenges that can substantially impact a business’s financial health and operational efficiency. One major issue is tax compliance, with over $65.5 billion in civil penalties reported in 2023 as a result of payroll errors. These mistakes can lead to unexpected tax burdens and audits, costing businesses billions annually. Furthermore, small business owners often spend 3 to 10 hours each month on payroll taxes, with some dedicating over 10 hours, which indicates a significant time investment that could be streamlined. The complexity of payroll increases with flexible employee schedules and changing regulations, making accurate management difficult. In addition, maintaining organized payroll information is fundamental for future reporting, as these figures play an important role in hiring projections, tax calculations, and compliance with labor laws. Addressing these challenges is necessary to guarantee efficient payroll processing and mitigate risks. The Role of Technology in Payroll Services As businesses endeavor for greater efficiency in their operations, the role of technology in payroll services has become increasingly vital. Implementing advanced payroll systems can streamline your payroll process, offering several key benefits: Cloud-Based Automation: Automate payroll processing to reduce manual calculations, potentially saving you over 90% of the time spent on payroll management. Mobile Access: Manage payroll and access employee information from any device, enhancing flexibility and allowing for remote operations. Integration: Seamlessly connect with accounting software and time-tracking systems to maintain accurate wage calculations and improve data flow. Self-Service Options: Empower employees to access pay statements and update personal information on their own, increasing engagement and satisfaction. Additionally, advanced systems often include automated compliance monitoring, helping you stay informed about regulatory changes and minimizing the risk of costly payroll errors. Cost Considerations for Payroll Services When evaluating payroll services, comprehending the costs involved is crucial for making informed decisions that align with your business needs. Typically, payroll services range from $30 to $100 per employee each month, depending on the complexity of the services and your business size. Most providers charge a monthly base fee plus a per-employee processing fee, which helps you budget more effectively. For instance, ADP offers customized packages designed to client needs, providing flexibility in pricing based on specific requirements. As in-house payroll may seem cheaper upfront, outsourcing delivers predictable fees and scalability, saving you time and reducing compliance risks. Moreover, consider any extra services offered by payroll providers; these may incur additional costs but can improve payroll efficiency and compliance. Transitioning to a New Payroll Provider Shifting to a new payroll provider can be a critical decision for your business, especially if your current system isn’t meeting your needs. You can change at any time, allowing for timely adjustments. To guarantee a smooth process, follow these steps: Prepare Payroll Data: Gather detailed employee and tax information for the new provider. Verify Tax History: Check for errors in your tax history to meet obligations and avoid penalties. Conduct Payroll Verification: Review bank, employee, and tax information thoroughly for accuracy before the first payroll run. Cancel Old Services: Only cancel your old payroll provider after the first successful payroll run with the new provider to prevent payment disruptions. Frequently Asked Questions What Is the Point of a Payroll Company? A payroll company simplifies the payroll process for you, automating wage calculations and handling tax withholdings. By ensuring compliance with various regulations, it helps prevent expensive penalties. You’ll save time and reduce administrative burdens, allowing your HR team to focus on more strategic tasks. Many payroll firms likewise offer guarantees on tax accuracy, providing you with peace of mind and minimizing the risk of audits, making payroll management more efficient and reliable. What Is Payroll and What Are Its Advantages? Payroll is the process of calculating and distributing employee wages, managing tax withholdings, and guaranteeing compliance with labor laws. Its advantages include saving you time, as it can reduce manual processing from over an hour to just three minutes. By using payroll services, you assure accurate tax filings and compliance, minimizing the risk of costly penalties. Furthermore, employee self-service portals improve the experience by allowing workers to access pay statements easily. How Do Payroll Companies Make Money? Payroll companies make money primarily through monthly base fees and per-employee processing fees, which can range from $30 to $100 depending on the services offered. They additionally generate additional revenue from value-added services such as tax filing and HR consulting. Some firms provide tiered packages, allowing you to choose the level of service that suits your needs. Upselling features like improved reporting and employee self-service can further increase their earnings. What Do Payroll and Benefits Do? Payroll and benefits management involves calculating employee wages, withholding taxes, and guaranteeing timely payments. It streamlines the payroll process, reducing administrative tasks for you. Moreover, it handles tax filings at various levels, preventing potential fines. Benefits administration integrates with payroll, managing health insurance and retirement contributions effectively. Conclusion In conclusion, partnering with a payroll firm can greatly simplify your business operations by managing payroll intricacies, guaranteeing compliance, and reducing the potential for errors. By outsourcing payroll, you can focus on your core business functions as you utilize the expertise and technology of professionals in the field. As you consider this option, evaluate your specific needs, budget, and the firm’s reputation to secure a successful collaboration that improves efficiency and security within your organization. Image via Google Gemini and ArtSmart This article, "What Is a Payroll Firm and How Can It Benefit Your Business?" was first published on Small Business Trends View the full article

US lacks firepower to provide $350bn in coverage needed to revive Strait of Hormuz transits, JPMorgan saysView the full article

Median rents rose at a greater rate than median sales prices in 55% of the 416 counties with sufficient data between 2025 and 2026, Attom found. View the full article

Climate change comes with serious financial risks, and those risks could affect your retirement account. Is it up to your employer, then, to protect your 401(k) from those concerns? That’s the question posed by a first-of-its-kind lawsuit, filed today in the U.S. District Court Western District of Washington. A former employee of Cushman & Wakefield has filed a lawsuit alleging that the real estate company breached its duties under the Employee Retirement Income Security Act (ERISA) by failing to protect its workers’ 401(k) savings from climate-related financial risks. “Though often misrepresented as a purely ethical issue, climate risk is actually a severe economic risk,” said Kimberly Blake, attorney at ClientEarth USA, which is representing the plaintiff, in a statement. “You cannot claim to be a prudent fiduciary while ignoring the biggest systemic threat to the global economy.” Called Kvek v. Cushman & Wakefield, the complaint could have far-reaching implications for the country’s $12 trillion retirement market. If successful, climate experts say, the lawsuit would mean that both asset managers and employers can no longer ignore the economic costs of climate change, and that they have a duty to invest retirement savings with that consideration. Climate financial risks Climate-fueled disasters can disrupt supply chains, damage infrastructure, and devalue investments—partcuarly those in fossil fuels. There’s a high likelihood that at least some of your retirement savings are invested in fossil fuels. Nearly one fifth of all U.S. fossil fuel stocks are owned by American’s retirement savings accounts, according to one estimate. But thousands of oil and gas assets are at risk of becoming stranded, because future climate change policies could make them unprofitable or even force them to shutter early. Some workers have said they’ve already missed out on billions of dollars in 401(k) returns because their accounts were invested in fossil fuels. A 2024 As You Sow report found that more than two million employees from 12 tech-sector companies, including Amazon, Google, Adobe, and more, could have earned an estimated $5.1 billion in additional returns had their companies decarbonized their retirement plan holdings 10 years ago. A “bad financial bet” to invest in fossil fuels Decarbonizing investment accounts has been a growing movement over the past decade. Also called divesting, the idea is to get pension plans, school endowments, and other assets under management to remove all fossil fuel investments from their portfolios. To some, divesting from fossil fuels is a moral imperative: People may not want to support coal companies or deforestation practices through their 401(k) contributions. But it’s also a financial one: It’s become “really clear in the data that it’s a bad financial bet to invest in the fossil fuel sector,” Heather Coleman, environment program director with Wallace Global Fund, told Fast Company in 2021. “Climate risk isn’t just about fossil fuel stocks or coastal real estate,” Blake notes in a statement: “It’s a broad, interconnected threat that touches huge parts of the economy.” In 2025 alone, climate-fueled disasters caused the United States $115 billion in damages. Every 1 degree Celsius of warming, one report found, costs the world 12% in GDP losses. The lawsuit could be a “pivotal turning point” Banks are aware of, and are attempting to manage, these climate-related financial risks. So are businesses like Cushman & Wakefield—which has said, according to the lawsuit, that “[w]ith assets increasingly exposed to rising sea levels and flooding, and challenges like extreme and unseasonal weather patterns, real estate professionals cannot afford to ignore climate change.” “The Company well knew,” the lawsuit continues, “that prudent financial stewardship and climate risk considerations went hand in hand.” And yet, it alleges, the company’s retirement plan fiduciaries ignored, or failed to evaluate, this concern. “What’s striking here is that Cushman & Wakefield understood these risks in its own business operations, but it failed to protect its workers’ retirement savings from the same dangers,” Blake said. A spokesperson from Cushman & Wakefield told Fast Company that it plans to fight the lawsuit. “This claim is a variation on widely asserted legal theories that have been prevalent for many years,” the spokesperson said in a statement. “We have thoughtful processes in place that are designed to give our plan participants a variety of prudent investment options. Once served, we will appropriately defend this case.” The lawsuit concerns one particular fund, alleging that Cushman & Wakefield failed to “evaluate, monitor, and remove the Westwood Quality SmallCap Fund, which exposes retirement savers to dangerous levels of climate-related financial risk while at the same time underperforming and charging unreasonably high fees,” according to ClientEarth. “When your employer offers you a set of retirement options, you assume they’ve done the work to make sure those options are sound. You pick a fund, you contribute every month, and you trust that someone is paying attention to the risks,” Renee Kvek, lead plaintiff and former employee for Cushman & Wakefield, said in a statement. If successful, though, the lawsuit could have implications for retirement accounts beyond that one fund. “Retirement savings are workers’ deferred wages. They represent decades of labor and trust in a system that is supposed to protect their future,” Amy Gray, Stand.earth climate finance associate director, said in a statement. “This case could be a pivotal turning point in how courts, companies and retirement funds view climate risk, and prove that protecting retirement security isn’t political. It’s responsible.” View the full article

Freshservice is the beating heart of your ITSM function, but that doesn’t mean it’s the only tool involved in this crucial workflow. IT teams sometimes have to do technical work in dedicated platforms outside Freshservice, while service requests might need to be exported to other tools for reporting and auditability. That’s where Freshservice integrations come in; they transfer data between Freshservice service requests and work items in other tools, streamlining your ITSM process. Here’s everything you need to know about Freshservice integrations. What is Freshservice? Freshservice is an ITSM (Information Technology Service Management) solution built with enterprise organizations in mind. It allows IT teams to centralize the services they give to employees or customers, keeping initial requests, essential context, and resolutions in one place. With strong AI-powered features, it’s become a powerhouse for IT teams. What is Freshservice integration? A Freshservice integration connects Freshservice with other tools, bridging the gap between them so IT teams can collaborate more efficiently with other teams without long email chains or manually copying and pasting data between tools. These integrations can automatically push data from service requests to software development platforms, give leaders more visibility on IT trends, and more. Freshservice is often integrated with tools like: CRM tools like HubSpot and Salesforce. Software development platforms like GitHub and Azure DevOps. Project management platforms like Jira, Asana, and Smartsheet. Other customer support or service apps like ServiceNow and Zendesk. Why does Freshservice integration matter? Integrating Freshservice with other tools creates significant benefits for your IT teams, such as: Improved average resolution time: When IT teams don’t have the context they need, service requests get stuck. Integrating Freshservice with other tools means IT teams know what’s happening in other tools even as they work. Better SLA compliance: For IT teams that provide services to external customers, SLAs are an essential metric. Integrations ensure essential information isn’t lost in translation, allowing IT teams to respond to issues more quickly. Stronger reporting: Freshservice is a great tool, but it’s not always the best platform to report on your IT team’s work. With the right integration, you can sync Freshservice data to your reporting tool of choice so stakeholders have more visibility on ITSM trends. Fuller context: Integration solutions let you centralize data from multiple tools in Freshservice, meaning IT teams can have access to everything from customer support tickets in other tools to software development projects and more. 4 types of Freshservice integration Not all Freshservice integrations are the same. Some are designed to cover basic functionality while being easy to set up and use. Others allow for deep integration (i.e., supporting more fields and automating more actions) but require deep involvement from a technical team and significant time to deploy. Meanwhile, iPaaS solutions like Unito strike a balance between the two extremes, allowing you to get the best of both worlds. Here are some of the most popular types of Freshservice integration: Built-in Freshservice integrations: The Freshservice app store offers integrations built by the Freshservice team for tools like Microsoft Teams and Slack, allowing updates and work from Freshservice to be pushed to these platforms automatically. Automation platforms: Tools like Zapier use if-this-then-that logic to automate simple actions across thousands of apps. This logic means Zapier users can easily build integrations for Freshservice in just a few clicks. While these integrations are more limited than other options, their sheer availability and ease-of-use are serious advantages. iPaaS: An iPaaS solution like Unito builds relationships between work items in Freshservice and other tools, allowing data from over 100 fields in Freshservice to sync automatically to other tools you use. These platforms allow for seamless collaboration across Freshservice and other tools. Agentic AI: Freshservice’s Freddy AI Agent can automatically take actions not just in Freshservice, but across e-commerce tools, social media platforms, and more. These AI agents are a natural first step for Freshservice users looking to automate repetitive tasks. How to integrate Freshservice with Unito Here’s a look at how an integration between Freshservice and other tools works with Unito. Step-by-step integration guide Connect tool accounts to Unito: After signing up for Unito, click +Create Flow and connect Freshservice and the tool you’re integrating to Unito. Choose flow direction: Most Unito integrations support both one-way and two-way flows. Unito’s Freshservice integration only syncs data from Freshservice out to other tools, streamlining how work is dispatched to IT teams. Set rules: Unito rules use trigger-action logic to filter out work items you don’t want synced or automate certain actions. Build a rule by setting the trigger Unito should look for and the action you want it to take. Map fields: In most flows, Unito can automatically map fields in Freshservice with fields in other tools. From there, you can customize these mappings so they match your workflow exactly. Launch your flow: Once you’ve mapped your fields, your flow is ready to launch. After an initial sync, Unito will check for changes in real-time. Want to know more? Check out this in-depth guide to integrating Freshservice with Jira. Challenges to watch out for when integrating Freshservice Before you pick an integration, consider the following challenges. Deployment times and technical resources Some integration solutions are built to support just about every field in Freshservice and any tool you might need to integrate it with. But actually implementing these platforms can potentially take weeks, if not months, as they’re configured to your specific needs. That implementation also requires significant technical knowledge, whether that comes from your own IT team, third-party consultants, or an integration vendor. Choosing the wrong integration solution can be a significant investment that takes time to achieve a positive ROI. Integration depth A “deep” integration supports more fields and can automate more actions than other integrations. While a deeper integration can seem like a better investment on the surface, that’s not always the case. Deeper integrations typically involve more complex and lengthy deployment — with only a few exceptions. When researching an integration solution, make sure it’s deep enough to support your workflows without reaching a level of complexity that makes it too difficult to use. Authentication and security Integration solutions need to access Freshservice and the other tools you use, often in the same way you access them. This creates an inherent security vulnerability you wouldn’t have to worry about without an integration. That said, most integration vendors are aware of this, ensuring data security with measures like data encryption and prompt incident response. How to keep Freshservice integrations secure Freshservice integrations move data between service requests and work items in other tools, which makes data security especially important.. Here are some things to keep in mind so you can keep these integrations secure. Compliance Depending on your industry and your jurisdiction, the way you handle data has to comply with various regulations and best practices. If you’re located — or have customers in — California, for example, you have to abide by the state’s California Consumer Privacy Act (CCPA). Similarly, specific industries have their own regulations, like the Health Insurance Portability and Accountability Act (HIPAA). When researching integration solutions, make sure they comply with any regulations you need to abide by. Access control Access control refers to measures you take to limit who can and can’t access a platform. Before you deploy an integration solution, you need to consider two things: Who will have access to it. If the platform can support the level of access control you need. Some platforms allow for precise, role-based access control, while others are more limited. Make sure the platform you choose meets your needs. Security certifications Certifications like SOC 2 Type 2 are data security frameworks that achieve two things: Give companies guidelines to follow for keeping data safe. Allow vendors to show their commitment to data security. When you’re researching integration vendors, review their security certifications to ensure their commitment to data security matches yours. Best practices when integrating Freshservice When rolling out your first Freshservice integration, consider these best practices: Start with a small pilot project between a few Freshservice service requests and work items in another tool. This lets you get a feel for an integration solution before it has access to all your organization’s data. Evaluate the results of a pilot project before implementing integrations at scale. That way, you can customize an integration solution to support your workflows based on what you’ve learned. Consider if you need an integration solution that requires technical knowledge to use — restricting access to IT teams — or if you need something more accessible for all teams. Review the integration vendor you’ve chosen at least yearly to ensure they’re competitive compared to the broader market. Use built-in Freshservice integrations where possible to enhance any third-party integration solution you use. Ready to integrate Freshservice? Meet with Unito product experts and see what a two-way integration can do. Talk with sales View the full article

President Donald The President on Thursday fired his embattled Homeland Security Secretary Kristi Noem, after mounting criticism over her leadership of the department, including the handling of the administration’s immigration crackdown and disaster response. The President, who said he would nominate Oklahoma Republican Sen. Markwayne Mullin in her place, made the announcement on social media after Noem faced a two-day grilling on Capitol Hill this week from GOP members as well as Democrats. Noem’s departure marks a stunning turnaround for a close ally to the president who was tasked with steering his centerpiece policy of mass deportations. But she appeared to increasingly become a liability for The President, with questions arising over her spending at her department and over her conduct in the aftermath of the shooting deaths of two protesters in Minneapolis earlier this year. The President said he’ll make Noem a “Special Envoy for The Shield of the Americas,” a new security initiative that he said would focus on the Western Hemisphere. Noem, who appeared at a law enforcement event in Nashville, Tennessee, moments after The President’s announcement, did not address her ouster there. She read from prepared remarks and was not asked by attendees about the development. Later, in a social media post, she thanked The President for the new appointment and touted her accomplishments as secretary. “We have made historic accomplishments at the Department of Homeland Security to make America safe again,” she wrote. The administration’s immigration crackdown faced criticism, especially in Minnesota Noem is the first Cabinet secretary to leave during The President’s second term. Her tenure looked increasingly short-lived after hearings in Congress this week where she faced rare but blistering criticism from Republican lawmakers. One particular point of scrutiny was a $220 million ad campaign featuring Noem that encouraged people in the country illegally to leave voluntarily. Noem told lawmakers that The President was aware of the campaign in advance, but The President disputed that in an interview Thursday with Reuters, saying he did not sign off on the ad campaign. Noem has faced waves of criticism as she’s overseen The President’s immigration crackdown, especially since the shooting deaths of the two protesters in Minneapolis at the hands of immigration enforcement officers. The former South Dakota governor was also criticized over the way her department has spent billions of dollars allocated to it by Congress. Her department, DHS, has been at the center of a funding battle in Congress over immigration enforcement tactics and has been shut down for 20 days, although many of the employees are continuing to work, often without pay. Even before Noem’s appearance before key congressional committees this week, Republican lawmakers had been anticipating the secretary’s eventual ouster, particularly after her handling of the immigration enforcement crackdown in Minneapolis. As they tried to end the ongoing Homeland Security shutdown, Senate Republicans had noted privately to Democratic senators that Noem was likely on her way out and that that should prompt Democrats to move forward with agreeing to fund the department again, according to two people familiar with the discussions. Democrats did not see that as an actual concession by Republicans, considering Noem was becoming a political liability for the GOP, said the people, who spoke on condition of anonymity to discuss private negotiations. DHS leadership changes come at a pivotal time Aside from immigration, Noem also faced criticism — including from Republicans — over the pace of emergency funding approved through the Federal Emergency Management Agency and for the The President administration’s response to disasters. Mullin would need to be confirmed by the Senate, but under a federal law governing executive branch vacancies, he would be allowed to serve as an acting Homeland Security secretary as long as his nomination is formally pending. Voting in the Senate just after The President’s announcement, Mullin said he has “no idea” how quickly his nomination will move. “The president and I are good friends. So we look forward to working closer with the White House, and obviously I’m gonna be over there a lot more,” he said. Mullin would need to be confirmed by the Senate, but under a federal law governing executive branch vacancies, he would be allowed to serve as an acting DHS secretary as long as his nomination is formally pending. Mullin would take over the third-largest department in government that has responsibility for carrying out The President’s hardline immigration agenda. And he would assume the role at a pivotal time for that agenda. Immigration enforcement during the first year of The President’s administration was largely defined by high-profile, made-for-social-media operations with flashy names, often led by Border Patrol commander Gregory Bovino, who reported directly to Noem. Noem herself often went out on those operations, riding along with officers when they went out to make arrests. But those high-profile operations in places like Los Angeles, Chicago and Minneapolis often led to clashes with activists and protesters that were captured on video and drove opposition to the president’s immigration agenda. That culminated with the shooting deaths in Minneapolis after which The President shuffled leadership of the operation. The number of officers there was drawn down shortly after. —Michelle L. Price and Rebecca Santana, Associated Press Associated Press writers Seung Min Kim and Mary Clare Jalonick contributed. View the full article

Last week, Block CEO Jack Dorsey shared that his fintech company would be cutting 40% of its workforce, arguing that AI would allow them to do more with smaller teams. Many observers wondered if the large-scale layoffs reflected the new reality amid rapid AI adoption, and whether it was just a matter of time before other companies followed suit. But not everyone is buying it. In a post on X, Whoop CEO Will Ahmed shared that his company—which makes health and fitness wearables—would be nearly doubling its 800-employee headcount this year, drawing a contrast with employers that have been slashing jobs over the last year. He then weighed in on the growing trend of companies using AI to explain their layoffs. “Investing in talent and AI tools not mutually exclusive,” Ahmed wrote. “Many of these ‘AI layoffs’ are just companies underperforming or lacking a bigger market opportunity.” In an interview with Bloomberg, Ahmed elaborated on this idea. “There’s a lot of companies that are doing layoffs right now and blaming it on AI,” Ahmed said. “But they’re actually doing layoffs because the businesses aren’t performing particularly well. And it’s a convenient excuse.” Amid waves of layoffs across corporate America, many leaders and CEOs have been reticent about their reasons for trimming headcount, often gesturing at AI investments when they announce layoffs. In 2025, AI was cited in nearly 55,000 layoffs, according to outplacement firm Challenger, Gray & Christmas—and some leaders, like Dorsey, have been quite explicit about pinning job losses on AI. Economists, on the other hand, have pointed out that there are countless reasons driving layoffs, from immigration policy to tariffs and political uncertainty; sometimes it’s simply a matter of financial performance. As a former Block employee noted in the New York Times this week, a closer look at Block’s job losses—which reportedly included cuts to the policy team and DEI roles—indicates that the layoff strategy was likely driven more by traditional cost-cutting measures. Some experts have argued that, like many tech companies, Block overhired during the pandemic. (There’s also limited evidence that AI is causing a broad contraction in the workforce: Goldman Sachs economists recently estimated that the sectors most impacted by AI had seen 5,000 to 10,000 monthly net job losses last year.) Connecting layoffs to AI, however, offers a more palatable framing for shareholders. Ahmed is not the only CEO who has started talking about this more openly. Recently, OpenAI CEO Sam Altman made similar remarks when interviewed during an AI conference in India. “I don’t know what the exact percentage is, but there’s some AI washing where people are blaming AI for layoffs that they would otherwise do, and then there’s some real displacement by AI of different kinds of jobs,” he said. “I expect we’ll see more of the latter over time.” But for every CEO willing to admit that AI isn’t the sole factor driving layoffs, there are plenty of others who keep touting its potential—and if the 15% jump in Block’s share price is any measure, they seem incentivized to continue doing so. View the full article

If you're shopping online, or just trying to access certain websites, and things aren't loading properly, it's (probably) not your internet: Amazon is down. As of Thursday afternoon, Amazon services, including both Amazon.com and AWS, are having issues loading and running. You can see that from Downdetector, a site used to track user reports of issues with websites and services. (Disclosure: Lifehacker's parent company, Ziff Davis, owns Downdetector.) As of this article, Amazon.com has tens of thousands of user reports, while AWS has thousands. Prime Video, Amazon's streaming service, also has user reports at this time, though they aren't as drastic. It's not clear what's causing the issues just yet, but it's not the first time Amazon has made headlines for outages. Back in October, AWS had a major period of downtime, taking down much of the internet. Many sites and services rely on AWS to operate, so when Amazon has issues, all of these companies have issues too. I'm sure we'll learn what the issue is in due time, and Amazon will undoubtedly issue a fix soon after. But it goes to show that even the largest companies in the world aren't immune to problems. And when those problems do arise, it affects a lot of users. View the full article