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From changing the daily workflow to the way we order food at a kiosk, AI is showing up in just about everything we do. But according to a new report, the way people use AI differs based on generation. And some of those ways are downright weird. The new insights come from a survey by AI-powered study aid Edubrain of 3,000 Americans ages 18 to 60. (Boomers weren’t included in the survey, but according to other recent research, they’re the least likely to use AI). It found that when it comes to who is using AI the most regularly, it’s not the youngest tech-savvy group. It’s actually millennials: 37% of the group uses it daily, while only 25% of Gen Zers, and 19% of Gen Xers can say the same. There may be a good reason why millennials are relying on AI more than others, the report explains. Given the 30- to 40-somethings are more likely to be in busy parts of their life, it makes sense they may be more inclined to rely on technology to ease their burdens. “They’re juggling work, kids, bills, and everything in between, and they’re willing to take any help they can get,” the report says. Mostly, AI is being used to find information, such as in a quick internet search or asking ChatGPT a question. Sixty-nine percent of millennials and 63% of Gen Xers say they use it for these kinds of tasks. Meanwhile, Gen Z is more inclined to use the tool for creative tasks than for gathering information: 60% of the group uses it to help with creative tasks, which is more than any other generation. While AI is being widely used, many would rather not discuss their AI usage in a room full of people. In fact, a staggering 36% admitted that they’d be embarrassed by the ways they’re routinely using AI. Perhaps that’s because Americans are using AI in some offbeat ways. For example, 35% have asked the tool to predict the future. Meanwhile, even more have used AI to create a fake person, like a friend or confidant. Forty-five percent of Gen Zers have done so, 40% of millennials, and only 27% of Gen Xers. While AI is being used for a wide variety of purposes, one generation seems to be using it for the most devious reasons. Overall, 18% say they’ve used AI for help with something illegal, including creating sexual images of someone they know without that person’s consent. Gen Xers are the worst offenders, with 11% saying they’ve used AI this way. Likewise, 10% of Gen Xers have actually used the tool to assist them in stalking someone. Gen Zers may get called out for being incessantly on screens as the first generation of digital natives. But, per the survey, it’s the older generations who have some explaining to do when it comes to AI use. View the full article

Grating coworkers, tone-deaf bosses, a ninth ask for revisions on a PowerPoint deck—as the workday annoyances pile up, it’s only a matter of time before every worker hits a boiling point. And when they do, they often hit up a trusted colleague to vent to in a direct message on a platform like Slack or Teams. “So often you’re sitting in a meeting, you’re hearing something, and you’re like, ‘Am I crazy, or are they contradicting themselves? Did they change the strategy again? Can you believe they just said this thing?’” says one former employee at a consulting firm, who agreed to speak to Fast Company anonymously. Sounding off to coworkers in DMs feels like both an outlet and validation: “It’s for your mental health, right?” The problem: While this act feels like the equivalent of a private, hushed conversation in the hallway or sharing a drink at happy hour with a confidante, there’s a risk in kvetching on your company’s official corporate communications channels. Your bosses have ways to get their hands on your messages. On Slack, DMs can be accessed if the company provides Slack with a reason for the download. With Teams, your history’s pretty much accessible whether or not a DM is private. Plus, AI is making it easier for companies to snoop on DMs as well, with at least one tool that can track employee sentiment and trends in public (and otherwise private) chats. You may think switching over to personal text messages is a safer method. After all, in the U.S., policies prohibiting extracurricular conversations are rarely legal. But complaining about a coworker may not come with a ton of protection: States with at-will employment rules provide companies with a wide berth for when and why they fire employees, which can include no-texting policies. In these situations, companies can treat backchanneling as a violation of company rules—or simply fire you without tying your termination to outside communications. Backchanneling beyond the gripe Venting is a big part of backchanneling. There’s complaining about the guy who always cooks shrimp in the microwave, or ranting about a boss who tells you to hire a babysitter so you can come to the office during a blizzard But in other circumstances, you may move off company-sanctioned comms platforms when you need to support coworkers during turbulence at work—or even let them know when their jobs might be at risk. In such cases, backchanneling may be less about talking smack, and more about sharing vital information. When the consultant’s company initiated mass layoffs, few staffers knew what was happening. The company made no internal announcement, which led to most employees sharing and finding out details through conversations on anonymous networking app Fishbowl. “When [they] finally acknowledged it, they provided absolutely no details. They said, ‘We don’t know when we’re going to do it. We don’t know how many people it’s going to be. We’ll keep you posted,’” says the former employee. That’s when the information sharing began. Both partners and contractors began posting what they’d heard on Fishbowl, rumors of which departments could be impacted, and even when the rollout would begin. “If I didn’t have that, I would have been in the dark completely. […] I knew what day to wake up early to see if I had the email for the meeting that was going to lay me off,” the source continues. Some employees also choose to backchannel for other important reasons, such as communicating about real, problematic workplace conditions. That could be toxic or abusive management, discrimination, or any other serious violations. While “most private sector employees can be fired for any reason, including no reason,” says Jason Solomon, Director of the National Institute of Workers’ Rights, having unsanctioned conversations with your coworkers about unfair, even illegal work environments fall into the situations in which you may be legally protected. “It can’t just be venting. It has to be more like, ‘We’re talking about this, and we might do something about it.’” The National Labor Relations Act calls these conversations “concerted activity.” This typically covers discussions ranging from reporting unsafe working conditions to union organizing. Even though you may theoretically be protected by law, only a few cases make it to court. That means that if employers find out about backchanneling, they might not hesitate to ding you for the messages—or worse. At-will employment, standard in the U.S., allows employers to fire you for any (or no) reason, which in many cases can create soft barriers that might make you think twice about hitting send. If you find that your conversations with coworkers are bringing up real issues, however, there are two things to keep in mind. First, remember that official channels do exist for filing workplace complaints. But if you’re not ready to go that far, there may be strength in numbers: “Try to enlist as many of your coworkers as possible,” Solomon says. “The boss is not going to want to fire everybody.” The point of going off company-sanctioned channels is so you don’t have to watch what you say and how you say it. But experts say you should still use discretion. You can’t ever exactly know where your communications could end up, even if you think they’re safe at the time. In 2011, the NLRB sided with an employer’s decision to fire a bartender for venting in a Facebook DM about not getting raises and being forced to share work without tips, among other complaints. Although the message mentioned workplace pay practices, the NLRB decided it wasn’t protected concerted activity: No coworkers participated, and no group organizing was considered. The message never went beyond private venting, so it was fair game for termination. What complicates things even further is a post-pandemic workforce. With the rise of remote work, more things are forced to be put into writing, since many workers simply spend less time in person. “It takes so much longer to get to know people—that element of trust,” says the former consulting employee. “Pre-Zoom, it would be a walk-and-talk.” In the past, a venting session used to be a muffled conversation in the breakroom—now, it’s become a video call, chat, or other documentable forms of communication. On the other hand, some workers have given up on griping altogether, even if there’s plenty to discuss. Another worker at a software company tells Fast Company, “I only do it with people who are no longer with the company. I consider that to be safer.” They have worked with their company for four years, and aren’t interested in taking any chances with their career. “You never know if people can turn that against you. Not everyone is going to be your friend. If you say something that might offend people, that is going to travel faster than light.” View the full article

In the latest chapter of the pizza wars, Papa Johns announced it is closing hundreds of North America locations during a fourth-quarter earnings call on Thursday. It will also cut about 7% of its workforce. In that call, Papa Johns’ chief financial officer and president of North America Ravi Thanawal said the company plans to shutter a total of 300 underperforming restaurants in North America “that are not meeting brand expectations or lack a clear path to sustainable financial improvement, as well as locations where we can effectively transfer sales to a nearby restaurant.” The closures will happen by the end of 2027, with the first two-thirds closed by year end. According to the company’s annual report, it had about 3,500 locations at the end of 2025, per CNN. Papa Johns International (PZZA) was trading down over 8% at the end of Thursday’s trading day. Fast Company has reached out to Papa Johns for a list of locations that will be closing. The news comes just three weeks after Pizza Hut said it, too, was closing 250 “underperforming” locations in 2026 as fast-casual restaurant chains struggle, with consumer spending dropping amid higher inflation and a high cost of living. Pizza Hut plans to shut those 250 locations, which amount to about 3% of its U.S. locations, in the first six months of this year. The chain cited competition from rival Domino’s Pizza and declining store sales. Speaking of Domino’s—unlike Pizza Hut and Papa Johns, its earnings beat expectations, and its success proves people are still eating tomato pies, even as the competition falters. What’s the secret sauce? As Fast Company previously reported, Domino’s chief financial officer Sandeep Reddy mentioned the company plans to capitalize on Pizza Hut’s recent store closings. With overall pizza-eating up somewhere between 1 to 2%, the question remains: Who can capture these consumers, given their current nuanced purchasing behavior? “The total number of pizzas sold [is] actually increasing 1%, as well as improvement in orders that included multiple pizzas . . . [but] single pie orders declined during the quarter, and total pizza sales declined low single digits as our order mix shifted towards smaller, non-specialty pizzas,” Papa Johns CEO Todd Penegor explained during Thursday’s earnings call. Papa Johns reported fourth-quarter earnings results with revenue missing expectations, coming in at $498.2 million, below estimates of $517.9 million; and adjusted earnings per share (EPS) coming in at 34 cents, beating the expected 33 cents. View the full article

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. Deborah Gruenfeld on showing respect: “We often fail to realize that the ability to show respect and even submission can also be a source of power. Deference is treating another person in ways that acknowledge that their expertise and experiences are at least as important as your own. It does not mean you have less power than the person you are deferring to. It means you do not intend to use the power you have against your relationship partner. Deference is disarming, it signals an absence of threat, and it creates a foundation of trust that allows a relationship to form.” Source: Acting with Power: Why We Are More Powerful Than We Believe II. Tony Dungy on putting others first: “Instead of asking, how can I lead my company, my team, or my family to a higher level of success? we should be asking ourselves, how do others around me flourish as a result of my leadership? Do they flourish at all? How does my leadership, my involvement in their lives—in whatever setting we’re in—have a positive and lasting influence on them?” Source: The Mentor Leader: Secrets to Building People and Teams That Win Consistently * * * 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

We may earn a commission from links on this page. If you track your runs (and bike rides, and all your other exercise) with a Garmin device, you’ve probably already found its gear tracking features. This is how I realized I'd put over 1,000 miles on my favorite Nikes. Until recently, the usefulness stopped there. But in a new (free) update, Garmin has introduced a ton of new gear tracking features, including one I’ve been hoping for ever since I bought my first pair of trail shoes. Garmin Forerunner 970 Premium GPS Smartwatch (Black) $740.00 at Amazon Get Deal Get Deal $740.00 at Amazon Now, gear tracking isn’t just for shoes. If you ride a bike, you can now count your bike as a piece of gear, or even individual components of your bike, like the frame or the tires. Other now trackable types of gear include skis, surfboards, boots, boats, skates, and wheelchairs. These new tracking features can be found in the Garmin Connect phone app that came out alongside a software update for several Garmin watches. What’s in the new Garmin app updateGarmin Connect (the phone app that syncs with your Garmin watch or other device) has a revamped set of features for the Gear section, which you’ll find under the More menu in the bottom right corner of the app. The new features include: More gear types Photos and notes for each gear entry A database of existing brands and models Automatic gear tracking is more detailed You can create “collections” of gear that are used together Gear stats are now viewable from your watch Credit: Beth Skwarecki Garmin's new gear-tracking feature is exactly what I needed for my trail shoesThere’s a small thing I missed when I switched from Coros back to Garmin last year: In the Coros app, I was able to designate a default shoe for my regular runs, and a different default shoe for trail runs. Garmin used to only allow you to have one default running shoe. The new update delivers similar functionality to my Garmin, alongside a lot more detail. You can now choose to automatically add a given gear item to any activity your watch can track. For example, I can still set a shoe to be added automatically to “all Running” and that will be the same behavior as before. But I can also set my beloved (muddy, ripped-up, long-suffering) trail shoes as the default for trail running, and my nice new Nike Downshifters (1,000 mile target) as the default for the regular “run” activity. If I had a shoe I kept in my gym bag for the treadmill, I could set a separate default for treadmill runs as well. Collections help you manage multiple gear itemsGarmin now offers “collections” of gear that you use together. For a bike, you could combine your favorite tires, frame, and so on. Just as you can add individual items automatically to certain activity types, you can also assign a collection as the default for an activity. For example, a collection that includes your jogging stroller and your street running shoes could be automatically added to all your street running activities. You can view and change your gear right from your watchSo far there's no overall gear viewer on the watch (I was hoping for a glance) but you can see your gear options under the activities. Select an activity—say, Run—and you'll see which shoe or gear is assigned to it by default. If you'd like to change the default, you can scroll down and select a different shoe, or decide not to log a shoe at all. When you look at each shoe, you can see a bar showing how many miles you've put on the gear compared to the lifespan you've entered. View the full article

Senate Majority Leader John Thune, R-S.D., moved to consider the housing package next week, but it's not clear what version of the bill senators will be voting on as the House, Senate and White House are still negotiating priorities. View the full article

The national median payment applied for by purchase applicants rose from $2,025 in December to $2,070 last month, according to the Mortgage Bankers Association. View the full article

If the 1990 classic movie Ghost is any indication, the dead love a good tune. We all remember when the recently deceased Sam (Patrick Swayze) had his infamous pottery session with his very alive partner Molly (Demi Moore). Now, Liquid Death and Spotify are aiming to use music in a similar way, by giving a few hundred of the recently deceased the opportunity to hear their favorite music for all of eternity. The two brands have collaborated on what they claim to be the first-ever Bluetooth-enabled speaker urn. The tasteful white urn has a top outfitted with a Bluetooth speaker. Spotify is also introducing the “Eternal Playlist Generator” in the U.S., where you can answer a few questions and prompts to generate a personalized mix for your ashes to enjoy for all of eternity. Liquid Death is producing a few hundred of the urns, which will sell on its site for $495. Liquid Death’s vice-president of marketing Dan Murphy says that the idea came out of informal conversations between the brands. Murphy had worked with Spotify’s senior director of global brand and marketing, Lauren Solomon, and there were other connections between brand leaders. “It just started as, ‘Our brands should work together sometime!’” says Murphy. “Soon we were doing our Liquid Death thing, which is always the same: If you take another brand or celebrity into the Liquid Death universe, what is the one right answer? And so of course, it was the Eternal Urn powered by a Spotify custom playlist that’s going to fuel it.” The quirky collab strategy Liquid Death has made a habit of creating quirky collabs with unlikely partners, but has stepped up its game over the past year. What started with a Martha Stewart candle has evolved into making a faux leather adult diaper for dive bars with Depends (The Pit Diaper), a coffin-shaped “Death Trap” snowboard with Burton, and Corpse Paint makeup with e.l.f. Cosmetics. Most sell out in minutes. The Corpse Paint ad, for example, hit 12 billion impressions in two weeks, and the limited-edition collab sold out in less than 45 minutes. Murphy says the collabs have evolved significantly over the last two years, to include global brands like Amazon and Spotify. “We’ve established our place in culture and creativity such that maybe two or three years ago, it might’ve been deemed a little too risky to work with us, or maybe we weren’t big enough or interesting enough, but now we’re kind of doing it in our sleep.“ A month before Ozzy Osbourne died, he collaborated with Liquid Death on a collection of cans containing his DNA. For “Infinitely Recyclable Ozzy,” he drank 10 cans of the brand’s iced tea, leaving “trace DNA from his saliva” on the now-precious metal, which originally sold for $450 each. Weeks later, one sold on eBay for $4,655. Murphy says that the brand’s collaboration strategy has been to create a brand halo for Liquid Death by using these unexpected collabs to reach new audiences. “We find a lot of brands are interested in our unique audience and our creativity,” says Murphy. “We film and produce and direct these things in-house, so they get that value, and then we’ll find brands that will allow me to extend my marketing budget, jump in on their audience, level up the PR with major household names, that bring what they do best to the table.” The company’s last valuation was $1.4 billion in 2024, and in early 2026 it launched into the energy drink category. The company started with spring water, expanded to flavored sparkling water in 2021, juice-spiked iced teas in 2022, soda-flavored sparkling water this year, and now—much like Liquid I.V.—sees opportunity in energy drinks. “We might not do as many collabs next year, so I think it’ll be even just a fewer, bigger, better strategy,” says Murphy. “As we move into a fourth category of healthy, better-for-you energy, it’s that next level of complexity of customer and occasion and strategy. So it’ll take a little bit more focus on the core product. We’ve never taken our eye off that ball, but I think as a consequence, we’ll just look to a few fewer and always bigger and better. That’s what we’re trying for.” The Pantheon Bigger and better is getting tougher to reach after a few years of bigger and slightly unhinged collab ideas. Here’s my Top 5 Pantheon of Liquid Death Collabs: 5. Deathtrap snowboard x Burton No camber, no sidecut, absolutely should not be taken down a hill. Only 50 of these casket-shaped snowboards were made, and it’s a lock that all 50 are hanging on someone’s wall for wine and burrata night. 4. Death Watch x Nixon Classy and timeless, and for the one-time low price of… your eternal soul. The Death Watch started in 2021, and is still ticking, selling its fourth iteration in 2024. 3. Pit Diaper x Depends Sometimes the Liquide Death creative team comes up with an idea and then approaches a brand to collaborate with on it. This faux leather dive bar diaper holder is one such example. 2. Corpse Paint x e.l.f. Cosmetics One of the most unintuitive collabs ever made, but its numbers speak for itself. Absolute gangbusters for both brands. Eternal Playlist Urn x Spotify The weirdest, most useless, yet kind of amazing product we didn’t know we needed. Steve Jobs once said, “A lot of times, people don’t know what they want until you show it to them.” Damn you, Bluetooth speaker Urn, damn you. View the full article

At the beginning of February, Amazon officially launched Alexa+, the company's new AI-powered assistant. Alexa+ is like the old Alexa, but with new contextual abilities. Users can ask complex, multipart questions, as well as requests for tasks, like asking Alexa to book you concert tickets. If you've used a voice mode on chatbots like ChatGPT or Gemini, you're familiar with the concept—it's just now available on your Echo devices, too. Now, Amazon is letting you lightly customize the personality of your new AI assistant, offering the choice between concise, calm, and enthusiastic bots. On Wednesday, Amazon announced "Alexa+ personality styles," a new feature that lets you customize how Alexa responds to queries and requests. At launch, Amazon is rolling out three styles for this experience: "Brief," "Chill," and "Sweet." According to Amazon, Brief is the choice for users who want shorter responses that are more direct and to the point. There should be less flowery language that chatbots are known for, including small talk and "extra conversation." Chill, on the other hand, aims to be an "easygoing and "relaxed" personality, that emulates "chatting with a laid-back friend." Amazon says users who add the Chill personality to Alexa+ will notice conversations are "breezy," and Alexa+ should offer "gentle guidance" with requests. Sweet is your "biggest cheerleader": Amazon says this bot responds with warmth and enthusiasm, celebrating your successes, encouraging you, and transforming "everyday moments into opportunities for positivity." (I just wanted to know the weather, Alexa.) You can hear a sample of each personality on Amazon's official announcement page, or use the embeds below. Amazon has uploaded Soundcloud links with a brief for each, so you can get a sense of the voice and style of all three. First, there's Brief, which just says, "Operating efficiently": Amazon Alexa · Brief Personality Style Next, is Chill, which says, "Life's treating me well. All systems are zen, and the digital universe is spinning in harmony": Amazon Alexa · Chill Personality Style Finally, there's Sweet, which says, "Absolutely fantastic. I'm radiating pure joy, and ready to make your day incredibly amazing": Amazon Alexa · Personality Styles Amazon says each of these voices was created following five pillars: Expressiveness, which can be concise to verbose; Emotional Openness, which can be reserved to enthusiastic; Formality, which can be professional to casual; Directness, which can be diplomatic to blunt; and Humor, which can range from subtle wit to overt sarcasm. Each pillar has its own ranges, which informs each personality. For example, Amazon says that Brief is specifically concise, casual, and direct, with minimal humor, while Sweet is warm, emotionally expressive, casual, and encouraging. Despite the audio samples above, Amazon won't force you to stick with these default voices, either. You can choose a new personality style while, at the same time, swapping between the eight different voice options Amazon offers. How to try Amazon's new personality styles with AlexaAnyone with access to Alexa+—either through the Alexa+ subscription or a Prime subscription—can try these changes. Amazon says it made the process for trying new personality styles quite easy: You can just say "Alexa, change your personality style." Alternatively, you can also find the options in the Alexa app. Select the device in question, then head to Device Settings > Alexa's Personality Style. To change the voice of your chosen style, head to your device's settings again in the Alexa app, then, under "General," choose your voice. View the full article

In their decision to send the case to a lower court, appellate court judges said the servicer's handling of borrowers' mortgage payments was still unclear. View the full article

The “Make America Healthy Again” movement wants to name one of its own as America’s top doctor. U.S. surgeon general nominee Casey Means fielded questions about vaccines, autism research, and her own qualifications before Congress this week, a critical moment in the The President administration’s quest to remake America’s health systems. In her opening statements on Wednesday before the Senate Committee on Health, Education, Labor, and Pensions, Means expressed concerns about the proliferation of “preventable disease” that plagues Americans, including chronic illness, diabetes, and high blood pressure. During the hearing, Means touched on many policy priorities she shares with HHS Secretary Robert F. Kennedy Jr. and other figures in the Make America Healthy Again movement, better known as MAHA – a spin on The President’s MAGA branding. “As Surgeon General, I would call on every American and the Public Health Service to join in a great national healing—one that halts preventable chronic disease, makes healthy living the easiest choice, honors the body’s connection to the environment, and puts America back on the road toward wholeness and health,” Means said. MAHA Controversy surrounds Means A close ally and adviser of Kennedy, Means would be an anomaly as the first U.S. surgeon general who lacks an active medical license. Without an active medical license, doctors cannot see patients or write a prescription – and Means says she has no plans to reactivate it, even if she is confirmed. Historically, practicing physicians with years of experience take on the role as America’s top public health communicator, but the qualification is tradition, not a requirement. Means, a 38-year-old wellness influencer, graduated from Stanford’s medical school but left her surgical residency program at Oregon Health & Science University before completing it. “Left my residency in my 5th year to focus on the real root causes of why Americans are so sick,” Means, previously an otolaryngology resident, wrote on her LinkedIn page. “Public health leadership must address the evidence-based, modifiable drivers of chronic diseases including ultra-processed diet, industrial chemical exposure, lack of physical activity, chronic stress and loneliness, and overmedicalization,” Means said. “I have been asked to help our nation get healthy and answer the call of millions—especially mothers—who are begging for transparency and support. That is what I am here to do. Means cashed in on health trends Beyond her lack of experience as a practicing physician, Means is an untraditional surgeon general choice in other ways. She is a co-founder and former chief medical officer of the health tech startup Levels, which makes a popular app that helps people monitor their blood glucose levels continuously. Levels has raised funding from Andreessen Horowitz and other prominent Silicon Valley investors. In excerpts from her book, Good Energy: The Surprising Connection Between Metabolism and Limitless Health published on the Levels blog, Means has extolled the virtues of monitoring blood sugar to shift eating habits and “reduce global metabolic suffering.” Blood glucose monitoring isn’t the only health business Means has cashed in on. The surgeon general nominee has also made hundreds of thousands of dollars by promoting supplements, vitamins, and wellness products through her newsletter and social media channels – often without disclosing her paid partnerships. Those lucrative relationships pose sticky and unprecedented ethical questions for someone seeking to shape the national health conversation as America’s next surgeon general. A MAHA-friendly vaccine message Like other members of the MAHA movement, Means emphasizes personal habits and mindful eating, criticizing common pharmaceutical and medical interventions as a corporate cash grab. A prolific blogger, Means mixes sound science – like recent research on the risks of alcohol – with dubious claims sowing concerns about the dangers of vaccines. “There is growing evidence that the total burden of the current extreme and growing vaccine schedule is causing health declines in vulnerable children,” Means wrote in a newsletter published last year, echoing a core concern of the anti-vaccine movement. On Wednesday, Means faced direct questions over her beliefs about autism and vaccines from Republicans and Democrats alike. During the hearing, Means claimed that “anti-vaccine rhetoric has never been a part of my message” while suggesting that the link between the “autism crisis” and vaccines remains unexplored. Hinting at a possible link between autism and vaccines without scientific evidence denies established research on the topic and can dissuade adults and parents from seeking potentially life-saving vaccinations. The American Medical Association wrote last year that “an abundance of evidence from decades of scientific studies shows no link between vaccines and autism” and urged people to seek vaccines which have been proven to be safe and effective. This week, 15 states announced that they would sue the The President administration over its decision to pare down federal recommendations for childhood vaccines. While vaccinations for measles, polio, and whooping cough are still recommended for all children, federal health policies no longer recommends jabs for COVID-19, rotavirus, meningitis, hepatitis A, or hepatitis B across the board. During her hearing, Means was pressed repeatedly to articulate her position on childhood vaccines – probably the most contentious issue to emerge out of Kennedy’s MAHA movement. Means, who previously called the practice of giving newborns the hepatitis B vaccine “absolute insanity,” emphasized parent and patient choice over universal public health policies designed to protect Americans at large. “I do believe that each patient, mother, parent, needs to have a conversation with their pediatrician about any medication they’re putting in their body or their children’s body,” Means said. View the full article

The bill, offered by Sens. Catherine Cortez Masto, D-Nev., and Todd Young, R-Ind., would allow Federal Home Loan Bank members to establish tax-exempt community infrastructure development bonds. View the full article

London-based Erdit Hoxha will join Izzy Englander’s firm that manages $86bn of assetsView the full article

Willamette Valley Bank cited consumer shifts to nonbanks and stubborn interest rates behind the decision, joining a line of institutions to exit since 2025. View the full article

In relation to managing payroll and HR tasks, small businesses need reliable software solutions that cater to their specific requirements. Options like Gusto and QuickBooks Payroll stand out for their ease of use and integration capabilities. Furthermore, platforms such as Paycor and Rippling offer extensive features that can streamline your operations. Grasping the unique strengths of each option is essential, so let’s explore which software might best fit your business needs. Key Takeaways Gusto offers unlimited payroll runs, automated tax calculations, and strong customer support tailored for small to medium-sized businesses. QuickBooks Payroll integrates seamlessly with QuickBooks accounting, providing 24/7 expert chat support and automated compliance features. Paycor provides extensive payroll and HR tools, customizable offerings for micro to medium-sized enterprises, and mobile app access for convenience. Rippling starts at $40/month plus $8/employee, offering unlimited payroll runs and integration with various applications for businesses with administrative demands. Square Payroll features an affordable pricing structure and a user-friendly interface, ideal for small businesses with straightforward payroll needs. Justworks Justworks is an affordable payroll solution that simplifies the payroll process for small businesses through its automated features and Professional Employer Organization (PEO) services. This platform effectively handles W-2 preparation and tax filings, ensuring compliance and efficiency. As a payroll and HR software for small business, it provides a thorough suite of employee tools, allowing you and your employees to access pay stubs and manage benefits through a user-friendly interface. While Justworks is highly effective for payroll management, it’s important to note that the PEO model limits customization options. You’ll share legal control over payment processes, which mightn’t suit every business scenario. Moreover, Justworks is designed primarily for US-based employees, making it less suitable for companies with global teams or international payroll needs. QuickBooks Payroll QuickBooks Payroll is designed to integrate seamlessly with your QuickBooks accounting software, streamlining the management of employee payments and financial records in one convenient platform. With features like automated tax calculations and quick tax preparation, it helps you stay compliant with federal, state, and local regulations, reducing potential penalties. Moreover, its competitive pricing and sturdy customer support make it an appealing choice for small businesses looking to simplify their payroll processes. Seamless Accounting Integration When managing a small business, having a payroll system that integrates seamlessly with your accounting software can make all the difference in streamlining operations. QuickBooks Payroll is designed particularly for this purpose, allowing you to track payroll expenses alongside other financial data effortlessly. This integration automates tax calculations and filings, reducing errors and ensuring compliance with regulations at all levels. You can quickly prepare W-2s and 1099s, simplifying year-end reporting. Moreover, time tracking integrations improve accuracy by linking hours worked directly to payroll calculations. For support, QuickBooks Payroll offers phone assistance during business hours and 24/7 chat support from payroll experts, ensuring you get help whenever needed. This makes it an excellent choice for small business HRIS software. Quick Tax Preparation For small business owners, efficient tax preparation can greatly reduce stress during tax season. QuickBooks Payroll simplifies this process with automated tax calculations and filings, minimizing human error. You can easily generate W-2s and 1099s, streamlining your end-of-year tasks. This HR software for small companies integrates seamlessly with existing QuickBooks accounting setups, syncing payroll data with your financial records. Feature Benefit Automated Tax Calculations Reduces risk of human error W-2 and 1099 Generation Simplifies end-of-year processes Compliance Support Helps adhere to tax regulations With 24/7 chat support from payroll experts, help is always available for any tax-related questions you might have. Square Payroll Square Payroll stands out for its affordable pricing structure, charging just $35 per month plus $6 for each employee, making it a budget-friendly option for small businesses. Its user-friendly interface allows you to manage payroll with ease, featuring unlimited payroll runs and next-day direct deposit for timely employee payments. Even though it offers crucial payroll features like automatic runs and multistate tax filings, be aware that it doesn’t bundle with other staff management apps, which might limit its utility for more complex payroll needs. https://www.youtube.com/watch?v=9vjw3rTHEAc Affordable Pricing Structure One of the most attractive features of Square Payroll is its affordable pricing structure, which starts at just $35 per month plus $6 for each employee. This competitive pricing makes it one of the most budget-friendly payroll services for small businesses. You can run unlimited payroll, which is beneficial for businesses with varying employee hours or multiple pay periods. Square Payroll uses a pay-as-you-go model, allowing you to adjust costs based on your employee count, making it a flexible choice as your company grows. Unlike many competitors, Square doesn’t bundle payroll services with other staff management apps, ensuring straightforward pricing without hidden fees. The platform likewise includes automatic payroll runs and multistate tax filings for compliance, keeping costs low for your business. User-Friendly Interface Steering payroll can often feel overwhelming, but Square Payroll simplifies the process with its user-friendly interface. This hrm software for small business allows you to navigate the system easily, requiring minimal training. It features automatic payroll runs, letting you manage employee payments with little effort, which boosts your operational efficiency. Furthermore, Square Payroll supports self-onboarding for employees, allowing them to access their pay stubs and tax documents independently, reducing your administrative workload. The platform accommodates various employee types, including salaried and hourly workers, and provides intuitive tools for seamless multistate tax filings. With a starting price of $35 plus $6 per person monthly, it offers a cost-effective solution without compromising usability, making it an excellent choice for small businesses. Essential Payroll Features When choosing a payroll solution, it’s crucial to contemplate the fundamental features that can streamline your operations. Square Payroll stands out with a low starting price of $35 plus $6 per employee, making it affordable for small businesses. It offers unlimited payroll runs and next-day direct deposit, guaranteeing your employees are paid on time. The platform also supports automatic payroll runs and employee self-onboarding, simplifying the payroll process. Moreover, it facilitates multistate tax filings, which is critical if your team is spread across different locations. On the other hand, it doesn’t bundle with other HR benefits management software, potentially limiting its effectiveness for businesses seeking a thorough solution. Feature Benefit Importance Unlimited Payroll Runs Flexibility in scheduling Guarantees timely payments Next-Day Direct Deposit Quick access to funds Improves employee satisfaction Automatic Payroll Runs Reduces manual effort Saves time and prevents errors Multistate Tax Filings Compliance across locations Avoids penalties and fines Paycor As you explore payroll and HR software solutions for your small business, Paycor stands out with its customized offerings designed particularly for micro to medium-sized enterprises. Starting at $99 per month plus $6 per employee, Paycor delivers a thorough suite of payroll and HR tools. This employee management software for small business features customizable reporting and automated payroll processes, streamlining wage calculations and tax filings. With a mobile app, employees can access their information and manage payroll from anywhere at any time, enhancing convenience. Paycor’s extensive features include time tracking, benefits administration, and compliance management, addressing various organizational needs. Nevertheless, be aware that additional costs may apply for add-ons, so it’s wise to request a full expense breakdown before making your selection. This way, you can fully understand the overall pricing and verify it aligns with your budget and requirements. Rippling Rippling serves as a robust payroll solution that not just automates payroll processing but also manages various HR and IT tasks, making it particularly suitable for businesses with significant administrative demands. Starting at $40 per month plus $8 per employee, this platform offers customizable workflows that can easily scale as your business grows. With features like unlimited payroll runs and next-day direct deposit, you can guarantee your employees are paid on time. However, be mindful of Rippling’s cafeteria-style pricing, which can lead to increased costs as you add more features. Evaluating your needs carefully is essential when considering this hr system for small company. The software’s user-friendly interface integrates seamlessly with various applications, enhancing your payroll management and reporting capabilities. Gusto Gusto is an integrated payroll and HR platform customized for small to medium-sized businesses, starting at $49 per month plus $6 per employee. It offers unlimited payroll runs and next-day direct deposit, ensuring your employees get paid on time. Gusto’s automated tax calculations and filings help minimize the risk of costly payroll errors, making it a solid choice among small business HR solutions. The platform seamlessly integrates with over 100 applications, including popular accounting software like QuickBooks, enhancing your overall business management experience. You’ll find that Gusto’s user-friendly interface simplifies complex HR tasks, saving you time and effort. Customer support is readily available via phone, email, and web chat, ensuring you get the help you need when maneuvering the system. Plus, dedicated onboarding assistance is provided for new clients, helping you get set up quickly and efficiently. Gusto truly stands out as an all-encompassing payroll and HR solution for small businesses. Frequently Asked Questions What Is the Best Payroll System for Small Businesses? Choosing the best payroll system for small businesses depends on your specific needs. Gusto and OnPay offer user-friendly interfaces, both starting at $49 per month plus $6 per employee. If you’re already using QuickBooks, consider QuickBooks Payroll, which integrates smoothly with its accounting software. Paycor suits growing companies with its thorough tools starting at $99, whereas Patriot Payroll is budget-friendly, starting at $37 per month plus $5 per employee, providing crucial services effectively. What Is the Best HR Software for a Small Business? When choosing HR software for your small business, consider features like onboarding, employee self-service, and compliance tracking. Gusto offers a solid all-in-one solution, whereas Justworks provides robust HR tools as a Professional Employer Organization. OnPay’s user-friendly interface is great for managing payroll and HR tasks. Paycor’s customizable options cater to growing businesses, and ADP RUN is known for its extensive services, ensuring you select a system that meets your specific needs effectively. Who Is Adp’s Biggest Competitor? ADP’s biggest competitor is Gusto, which offers an integrated payroll and HR solution customized for small to medium-sized businesses. With a starting price of $49 per month plus $6 per employee, Gusto focuses on providing user-friendly services. Other notable competitors include QuickBooks Payroll, Paycor, Justworks, and Square Payroll, each offering different features and pricing models. These alternatives cater to various business needs, ensuring you have options when choosing payroll and HR solutions. What Is the Best Software for Payroll? To determine the best payroll software for your needs, consider Gusto for its extensive features, starting at $49 per month plus $6 per employee. If you already use QuickBooks, QuickBooks Payroll integrates seamlessly at a similar price. For simplicity, OnPay offers user-friendly options at $49 per month plus $6 per employee. If affordability is key, Square Payroll starts at $35 per month, whereas ADP RUN provides scalable solutions but lacks transparent pricing. Conclusion Choosing the right payroll and HR software is crucial for small businesses looking to streamline operations and guarantee compliance. Each solution mentioned—Justworks, QuickBooks Payroll, Square Payroll, Paycor, Rippling, and Gusto—offers distinct features suited to various needs, from user-friendly interfaces to robust automation. By evaluating your specific requirements, such as integration capabilities and customer support, you can select the software that best aligns with your business goals, eventually enhancing efficiency and simplifying administrative tasks. https://www.youtube.com/watch?v=8RYQj1TKyPU Image via Google Gemini This article, "Top 7 Payroll and HR Software Solutions for Small Businesses" was first published on Small Business Trends View the full article

In relation to managing payroll and HR tasks, small businesses need reliable software solutions that cater to their specific requirements. Options like Gusto and QuickBooks Payroll stand out for their ease of use and integration capabilities. Furthermore, platforms such as Paycor and Rippling offer extensive features that can streamline your operations. Grasping the unique strengths of each option is essential, so let’s explore which software might best fit your business needs. Key Takeaways Gusto offers unlimited payroll runs, automated tax calculations, and strong customer support tailored for small to medium-sized businesses. QuickBooks Payroll integrates seamlessly with QuickBooks accounting, providing 24/7 expert chat support and automated compliance features. Paycor provides extensive payroll and HR tools, customizable offerings for micro to medium-sized enterprises, and mobile app access for convenience. Rippling starts at $40/month plus $8/employee, offering unlimited payroll runs and integration with various applications for businesses with administrative demands. Square Payroll features an affordable pricing structure and a user-friendly interface, ideal for small businesses with straightforward payroll needs. Justworks Justworks is an affordable payroll solution that simplifies the payroll process for small businesses through its automated features and Professional Employer Organization (PEO) services. This platform effectively handles W-2 preparation and tax filings, ensuring compliance and efficiency. As a payroll and HR software for small business, it provides a thorough suite of employee tools, allowing you and your employees to access pay stubs and manage benefits through a user-friendly interface. While Justworks is highly effective for payroll management, it’s important to note that the PEO model limits customization options. You’ll share legal control over payment processes, which mightn’t suit every business scenario. Moreover, Justworks is designed primarily for US-based employees, making it less suitable for companies with global teams or international payroll needs. QuickBooks Payroll QuickBooks Payroll is designed to integrate seamlessly with your QuickBooks accounting software, streamlining the management of employee payments and financial records in one convenient platform. With features like automated tax calculations and quick tax preparation, it helps you stay compliant with federal, state, and local regulations, reducing potential penalties. Moreover, its competitive pricing and sturdy customer support make it an appealing choice for small businesses looking to simplify their payroll processes. Seamless Accounting Integration When managing a small business, having a payroll system that integrates seamlessly with your accounting software can make all the difference in streamlining operations. QuickBooks Payroll is designed particularly for this purpose, allowing you to track payroll expenses alongside other financial data effortlessly. This integration automates tax calculations and filings, reducing errors and ensuring compliance with regulations at all levels. You can quickly prepare W-2s and 1099s, simplifying year-end reporting. Moreover, time tracking integrations improve accuracy by linking hours worked directly to payroll calculations. For support, QuickBooks Payroll offers phone assistance during business hours and 24/7 chat support from payroll experts, ensuring you get help whenever needed. This makes it an excellent choice for small business HRIS software. Quick Tax Preparation For small business owners, efficient tax preparation can greatly reduce stress during tax season. QuickBooks Payroll simplifies this process with automated tax calculations and filings, minimizing human error. You can easily generate W-2s and 1099s, streamlining your end-of-year tasks. This HR software for small companies integrates seamlessly with existing QuickBooks accounting setups, syncing payroll data with your financial records. Feature Benefit Automated Tax Calculations Reduces risk of human error W-2 and 1099 Generation Simplifies end-of-year processes Compliance Support Helps adhere to tax regulations With 24/7 chat support from payroll experts, help is always available for any tax-related questions you might have. Square Payroll Square Payroll stands out for its affordable pricing structure, charging just $35 per month plus $6 for each employee, making it a budget-friendly option for small businesses. Its user-friendly interface allows you to manage payroll with ease, featuring unlimited payroll runs and next-day direct deposit for timely employee payments. Even though it offers crucial payroll features like automatic runs and multistate tax filings, be aware that it doesn’t bundle with other staff management apps, which might limit its utility for more complex payroll needs. https://www.youtube.com/watch?v=9vjw3rTHEAc Affordable Pricing Structure One of the most attractive features of Square Payroll is its affordable pricing structure, which starts at just $35 per month plus $6 for each employee. This competitive pricing makes it one of the most budget-friendly payroll services for small businesses. You can run unlimited payroll, which is beneficial for businesses with varying employee hours or multiple pay periods. Square Payroll uses a pay-as-you-go model, allowing you to adjust costs based on your employee count, making it a flexible choice as your company grows. Unlike many competitors, Square doesn’t bundle payroll services with other staff management apps, ensuring straightforward pricing without hidden fees. The platform likewise includes automatic payroll runs and multistate tax filings for compliance, keeping costs low for your business. User-Friendly Interface Steering payroll can often feel overwhelming, but Square Payroll simplifies the process with its user-friendly interface. This hrm software for small business allows you to navigate the system easily, requiring minimal training. It features automatic payroll runs, letting you manage employee payments with little effort, which boosts your operational efficiency. Furthermore, Square Payroll supports self-onboarding for employees, allowing them to access their pay stubs and tax documents independently, reducing your administrative workload. The platform accommodates various employee types, including salaried and hourly workers, and provides intuitive tools for seamless multistate tax filings. With a starting price of $35 plus $6 per person monthly, it offers a cost-effective solution without compromising usability, making it an excellent choice for small businesses. Essential Payroll Features When choosing a payroll solution, it’s crucial to contemplate the fundamental features that can streamline your operations. Square Payroll stands out with a low starting price of $35 plus $6 per employee, making it affordable for small businesses. It offers unlimited payroll runs and next-day direct deposit, guaranteeing your employees are paid on time. The platform also supports automatic payroll runs and employee self-onboarding, simplifying the payroll process. Moreover, it facilitates multistate tax filings, which is critical if your team is spread across different locations. On the other hand, it doesn’t bundle with other HR benefits management software, potentially limiting its effectiveness for businesses seeking a thorough solution. Feature Benefit Importance Unlimited Payroll Runs Flexibility in scheduling Guarantees timely payments Next-Day Direct Deposit Quick access to funds Improves employee satisfaction Automatic Payroll Runs Reduces manual effort Saves time and prevents errors Multistate Tax Filings Compliance across locations Avoids penalties and fines Paycor As you explore payroll and HR software solutions for your small business, Paycor stands out with its customized offerings designed particularly for micro to medium-sized enterprises. Starting at $99 per month plus $6 per employee, Paycor delivers a thorough suite of payroll and HR tools. This employee management software for small business features customizable reporting and automated payroll processes, streamlining wage calculations and tax filings. With a mobile app, employees can access their information and manage payroll from anywhere at any time, enhancing convenience. Paycor’s extensive features include time tracking, benefits administration, and compliance management, addressing various organizational needs. Nevertheless, be aware that additional costs may apply for add-ons, so it’s wise to request a full expense breakdown before making your selection. This way, you can fully understand the overall pricing and verify it aligns with your budget and requirements. Rippling Rippling serves as a robust payroll solution that not just automates payroll processing but also manages various HR and IT tasks, making it particularly suitable for businesses with significant administrative demands. Starting at $40 per month plus $8 per employee, this platform offers customizable workflows that can easily scale as your business grows. With features like unlimited payroll runs and next-day direct deposit, you can guarantee your employees are paid on time. However, be mindful of Rippling’s cafeteria-style pricing, which can lead to increased costs as you add more features. Evaluating your needs carefully is essential when considering this hr system for small company. The software’s user-friendly interface integrates seamlessly with various applications, enhancing your payroll management and reporting capabilities. Gusto Gusto is an integrated payroll and HR platform customized for small to medium-sized businesses, starting at $49 per month plus $6 per employee. It offers unlimited payroll runs and next-day direct deposit, ensuring your employees get paid on time. Gusto’s automated tax calculations and filings help minimize the risk of costly payroll errors, making it a solid choice among small business HR solutions. The platform seamlessly integrates with over 100 applications, including popular accounting software like QuickBooks, enhancing your overall business management experience. You’ll find that Gusto’s user-friendly interface simplifies complex HR tasks, saving you time and effort. Customer support is readily available via phone, email, and web chat, ensuring you get the help you need when maneuvering the system. Plus, dedicated onboarding assistance is provided for new clients, helping you get set up quickly and efficiently. Gusto truly stands out as an all-encompassing payroll and HR solution for small businesses. Frequently Asked Questions What Is the Best Payroll System for Small Businesses? Choosing the best payroll system for small businesses depends on your specific needs. Gusto and OnPay offer user-friendly interfaces, both starting at $49 per month plus $6 per employee. If you’re already using QuickBooks, consider QuickBooks Payroll, which integrates smoothly with its accounting software. Paycor suits growing companies with its thorough tools starting at $99, whereas Patriot Payroll is budget-friendly, starting at $37 per month plus $5 per employee, providing crucial services effectively. What Is the Best HR Software for a Small Business? When choosing HR software for your small business, consider features like onboarding, employee self-service, and compliance tracking. Gusto offers a solid all-in-one solution, whereas Justworks provides robust HR tools as a Professional Employer Organization. OnPay’s user-friendly interface is great for managing payroll and HR tasks. Paycor’s customizable options cater to growing businesses, and ADP RUN is known for its extensive services, ensuring you select a system that meets your specific needs effectively. Who Is Adp’s Biggest Competitor? ADP’s biggest competitor is Gusto, which offers an integrated payroll and HR solution customized for small to medium-sized businesses. With a starting price of $49 per month plus $6 per employee, Gusto focuses on providing user-friendly services. Other notable competitors include QuickBooks Payroll, Paycor, Justworks, and Square Payroll, each offering different features and pricing models. These alternatives cater to various business needs, ensuring you have options when choosing payroll and HR solutions. What Is the Best Software for Payroll? To determine the best payroll software for your needs, consider Gusto for its extensive features, starting at $49 per month plus $6 per employee. If you already use QuickBooks, QuickBooks Payroll integrates seamlessly at a similar price. For simplicity, OnPay offers user-friendly options at $49 per month plus $6 per employee. If affordability is key, Square Payroll starts at $35 per month, whereas ADP RUN provides scalable solutions but lacks transparent pricing. Conclusion Choosing the right payroll and HR software is crucial for small businesses looking to streamline operations and guarantee compliance. Each solution mentioned—Justworks, QuickBooks Payroll, Square Payroll, Paycor, Rippling, and Gusto—offers distinct features suited to various needs, from user-friendly interfaces to robust automation. By evaluating your specific requirements, such as integration capabilities and customer support, you can select the software that best aligns with your business goals, eventually enhancing efficiency and simplifying administrative tasks. https://www.youtube.com/watch?v=8RYQj1TKyPU Image via Google Gemini This article, "Top 7 Payroll and HR Software Solutions for Small Businesses" was first published on Small Business Trends View the full article

If you’ve been caught up in the cottage cheese craze, take heed: The U.S. Food and Drug Administration recommends that you toss tubs of cottage cheese purchased from Walmart stores in 24 states because of concerns the ingredients weren’t fully pasteurized. The FDA issued an alert Thursday of a voluntary recall of Great Value brand cottage cheese made by Saputo Cheese USA, though no illnesses or hospitalizations associated with the recalled dairy products have been reported. The recall affects Great Value cottage cheese products with milkfat content of 0%, 2%, and 4%, various curd sizes, and containers ranging from 16 ounces to 3 pounds that were distributed to Walmart stores earlier this month. The issue was discovered by Saputo Cheese, the manufacturer, during “pasteurizer troubleshooting exercises” and the impacted pasteurizer was subsequently fixed and returned to normal function, according to the recall details. The FDA is recommending that people not eat the affected Great Value cottage cheese and either throw away the tub or return it to the Walmart store where you purchased it. “Consuming products that are not fully pasteurized can pose a significant health risk, especially to the young and elderly or immunocompromised individuals,” the FDA advisory cautions. The affected products have “best if used by” dates in early April and were sold at Walmart stores in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Georgia, Iowa, Idaho, Illinois, Kansas, Kentucky, Louisiana, Missouri, Mississippi, Montana, New Mexico, Nevada, Oregon, Texas, Tennessee, Utah, Washington and Wyoming. A lack of full pasteurization is a very atypical reason for an FDA recall. In fact, Thursday’s cottage cheese recall is the first instance among 850-plus recalls since March 2023 in which the reason cited was “not fully pasteurized.” COTTAGE CHEESE CRAZE Cottage cheese has become a favorite among social media foodie types in recent years thanks to its high protein content. Americans consumed roughly 2.4 pounds of cottage cheese in 2024, the most in 15 years, according to the latest figures on per-capita dairy consumption released by the U.S. Department of Agriculture. While cottage cheese is having a renaissance of sorts, it hasn’t yet returned to its 1970s glory days when Americans were eating 4.6 pounds, on average. In January, Health Secretary Robert F. Kennedy Jr. announced new dietary guidelines that redesigned the food pyramid and encouraged Americans to consume more dairy, and particularly full-fat dairy, than in the recent past. Thursday’s recall announcement and the FDA’s warning about consuming food that isn’t fully pasteurized might seem at odds with some additional rhetoric from the The President administration. Before he was appointed Health Secretary Kennedy posted on X in October 2024 that he intended to end what he termed the “FDA’s war on public health” and called out the administration’s “aggressive suppression” of a variety of products including raw milk, which is unpasteurized. The FDA falls under the Department of Health and Human Services and is led by Dr. Marty Makary, the commissioner. Any progress on creating standards for raw milk, as advocates were banking on, hasn’t happened yet and isn’t among the dozens of accomplishments that Makary touts on his X account for his first year as commissioner. Neither Makary nor Kennedy have publicly commented about the cottage cheese recall. View the full article

In today’s digital world, managing your online reputation is more important than ever. With various services available, it can be challenging to choose the right one for your needs. From AI-driven strategies to review generation programs, each service offers unique strengths. Comprehending these can help you maintain a positive online presence. Let’s explore the top seven internet reputation management services and how they can benefit individuals and businesses alike. Key Takeaways Single Grain excels in AI-driven ORM, offering advanced software for brand sentiment monitoring and crisis resolution. Thrive Internet Marketing Agency specializes in review generation programs, enhancing client visibility and trust while offering flexible contracts. Reputation.com caters to enterprise clients with multi-location needs, providing automated review responses and real-time sentiment analysis tools. NetReputation focuses on content removal and search suppression, delivering customized strategies for immediate damage control and ongoing online presence maintenance. ReputationDefender is ideal for personal reputation management, featuring automated solutions for outdated search results and effective privacy protection. Single Grain — Best Overall for AI-Driven ORM and Full-Funnel Visibility If you’re looking for a top-tier solution for online reputation management (ORM), Single Grain stands out as the best overall provider, particularly due to its AI-driven strategies and full-funnel visibility. This company specializes in online reputation management services that effectively improve your brand’s presence. By utilizing state-of-the-art reputation management software, Single Grain monitors brand sentiment, ensuring you’re always aware of public perception. Their approach includes a mix of content creation, review programs, and search suppression tactics, which are essential for improving search result outcomes. With Single Grain, you can expect swift identification and resolution of any reputation crises, thereby maintaining brand trust. They focus on measurable outcomes, offering clear reporting and performance metrics to align your ORM strategies with business goals. If you’re an individual seeking the best online reputation management services, Single Grain’s innovative methods are designed to drive long-term growth and safeguard your reputation. Thrive Internet Marketing Agency — Best for Review Generation Programs Thrive Internet Marketing Agency stands out as a leader in online reputation management, particularly due to its focus on extensive review generation programs that boost client visibility and trust. Founded in 2005 and based in Arlington, Texas, Thrive offers innovative online reputation management services customized for businesses seeking to improve their online presence. Their pay-for-performance model and month-to-month contracts provide flexibility, making it easier for clients to engage with their services. The agency employs advanced review management strategies, utilizing a proprietary analytics suite that includes tools like Thrive Global and Thrive Global. These tools effectively track review performance and brand sentiment, allowing clients to understand their reputation better. For instance, they increased a telecommunications client’s average rating from 2 to 4.6 by generating 6,000 new reviews. Thrive positions itself as a top online reputation management firm, ensuring clients can build trust and credibility in their industry. Reputation (Reputation.com) — Best for Enterprise, Multi-Location Brands When managing the online reputation of a large enterprise, especially one with multiple locations, the intricacies can become overwhelming. That’s where Reputation.com shines. As a leader among reputation management companies, they specialize in online reputation management services customized for large organizations. Their automated review response solutions streamline the process, ensuring you can manage feedback effectively across various platforms. Feature Reputation.com Competitors Integration Google, Yelp, and more Varies by provider Customer Support 500-1,000 employees Typically fewer resources Scalability Designed for multi-location brands Limited scalability Sentiment Analysis Real-time monitoring Often delayed With a focus on customer experience, their corporate reputation experts provide detailed tools for sentiment analysis and reputation monitoring, making it easier for your brand to thrive. NetReputation — Best for Content Removal and Search Suppression During managing a large enterprise’s online reputation demands thorough solutions like those offered by Reputation.com, individuals and smaller brands often face unique challenges, particularly concerning negative content. NetReputation stands out as the best choice for content removal and search suppression. They specialize in eliminating damaging online information, guaranteeing your personal or brand reputation is protected. Their extensive reputation management services provide both immediate damage control and long-term maintenance of your online presence. NetReputation’s team collaborates closely with clients to create customized strategies, focusing on content takedowns based on policy violations or privacy abuses. They additionally offer step-by-step plans to improve positive online assets, boosting search engine ranking and visibility. As some may seek free online reputation management tools, NetReputation emphasizes transparency and communication, allowing you to track progress effectively. This approach guarantees you understand the outcomes of their reputation management tools throughout the entire process. ReputationDefender — Best for Personal Reputation and Privacy Protection In today’s digital landscape, managing your personal reputation online is crucial, especially as negative information can easily surface in search results. ReputationDefender stands out as a top choice for personal reputation and privacy protection. It offers automated solutions that help you effectively manage outdated or irrelevant results. With a user-friendly dashboard, you can monitor your online presence and adjust privacy settings to maintain control over your digital footprint. ReputationDefender delivers affordable personal online reputation management services, catering particularly to individuals seeking light cleanup and ongoing monitoring. Its emphasis on privacy protection allows you to remove negative content and manage personal information across various platforms. Although they provide free reputation management tools for basic needs, their online reputation management pricing remains competitive for more thorough options. Birdeye — Best for Franchises and Multi-Location Review Ops For franchises and businesses with multiple locations, managing online reviews can be a complex task, but Birdeye simplifies this process. This platform is customized for your needs, offering robust tools that improve your online reputation management. Here’s what makes Birdeye stand out: Automated review management across 200+ sites AI-driven review builder for efficient feedback collection Real-time alerts for timely responses to customer feedback Sentiment analysis to gauge customer perceptions Integrated messaging system to strengthen customer relationships With Birdeye, you’ll find the best online reputation management solution available, especially for those in the dynamic NYC market. Its reputation monitoring software allows you to maintain a consistent online presence, ensuring that each location reflects your brand positively. By streamlining review operations, Birdeye helps you focus on improving service quality and building brand loyalty across all your locations. Status Labs — Best for Crisis PR With Seo-Driven Repair When you’re facing a crisis, Status Labs offers a robust solution that combines crisis management expertise with effective SEO repair strategies. This agency specializes in addressing high-profile reputation issues, utilizing customized media relations campaigns to reshape public perception. Crisis Management Expertise Crisis management in the domain of public relations requires a strategic blend of traditional tactics and digital expertise, which is where Status Labs thrives. Their approach to crisis PR focuses not only on immediate damage control but also on long-term reputation improvement through effective online strategies. Here are some key aspects of Status Labs’ expertise: Proven track record with high-profile incidents Multilingual capabilities for global executives Integration of traditional PR with digital strategies Focus on improving online visibility during crises Experience in politically and legally sensitive situations As you evaluate online reputation management services, consider how Status Labs stands out in internet reputation management reviews, particularly for their SEO reputation management services that drive positive results during challenging times. SEO Repair Strategies Effective SEO repair strategies are vital for restoring an online reputation, especially during high-stakes situations. Status Labs thrives in this area by integrating crisis public relations with SEO-driven tactics, ensuring that negative content is countered with positive, optimized narratives. Their approach involves the use of online reputation management services and software that can swiftly address issues, which is fundamental for minimizing damage. With a focus on rapid response times, they provide customized strategies, including asset control and media placements, making the reputation management cost worthwhile. Furthermore, their multilingual capabilities allow them to cater to clients facing international scrutiny, enhancing visibility across various markets. This all-encompassing strategy effectively boosts clients’ online presence during the management of reputational risks. Frequently Asked Questions What Is the Best Online Reputation Management Company? Determining the best online reputation management company depends on your specific needs. If you’re looking for thorough strategies, consider Single Grain for AI-driven solutions. For improving customer reviews, Thrive Internet Marketing Agency has proven effective. If you manage an enterprise brand, Reputation.com focuses on automated review responses. For franchises, Birdeye stands out in multi-location operations. Finally, if you face a crisis, Status Labs combines SEO with PR to manage high-stakes situations effectively. How Much Does an Orm Typically Cost? Typically, online reputation management (ORM) services range from $500 to $2,500 monthly for straightforward cases, whereas complex projects can exceed $5,000 to $15,000. Entry-level ORM software usually costs between $70 and $150 per month, offering basic features. Many companies use tiered pricing, allowing you to choose packages based on your budget. Moreover, some firms charge based on performance, meaning you only pay if the services yield successful results. How Much Does Reputation Management Services Cost? Reputation management services can vary widely in cost, depending on your specific needs. Entry-level software typically runs between $70 and $150 per month, which suits smaller businesses. Managed services for straightforward cases start at around $500 monthly, whereas complex projects can exceed $5,000. Some firms charge based on performance, ensuring you only pay for measurable improvements. Expect personalized solutions that may include review management, content creation, and SEO strategies customized to your requirements. Is Reputation a Good Company? Reputation.com is a strong choice if you’re looking for enterprise-grade online reputation management solutions. Founded in 2006, it specializes in automating review responses and centralizing feedback channels. By integrating with platforms like Google and Yelp, Reputation helps you manage reviews effectively. Their services include sentiment analysis and reporting dashboards, enabling you to monitor your brand image. With a focus on scalability, they cater well to large businesses needing consistent management across various digital platforms. Conclusion In conclusion, choosing the right internet reputation management service is vital for maintaining a positive online presence. Each of the reviewed companies offers unique strengths customized to various needs, from AI-driven strategies at Single Grain to crisis management with Status Labs. Whether you’re an enterprise brand or an individual concerned about privacy, comprehending these options helps you make informed decisions. By investing in these services, you can effectively manage and improve your online reputation. Image via Google Gemini This article, "7 Top Internet Reputation Management Services Reviewed" was first published on Small Business Trends View the full article

In today’s digital world, managing your online reputation is more important than ever. With various services available, it can be challenging to choose the right one for your needs. From AI-driven strategies to review generation programs, each service offers unique strengths. Comprehending these can help you maintain a positive online presence. Let’s explore the top seven internet reputation management services and how they can benefit individuals and businesses alike. Key Takeaways Single Grain excels in AI-driven ORM, offering advanced software for brand sentiment monitoring and crisis resolution. Thrive Internet Marketing Agency specializes in review generation programs, enhancing client visibility and trust while offering flexible contracts. Reputation.com caters to enterprise clients with multi-location needs, providing automated review responses and real-time sentiment analysis tools. NetReputation focuses on content removal and search suppression, delivering customized strategies for immediate damage control and ongoing online presence maintenance. ReputationDefender is ideal for personal reputation management, featuring automated solutions for outdated search results and effective privacy protection. Single Grain — Best Overall for AI-Driven ORM and Full-Funnel Visibility If you’re looking for a top-tier solution for online reputation management (ORM), Single Grain stands out as the best overall provider, particularly due to its AI-driven strategies and full-funnel visibility. This company specializes in online reputation management services that effectively improve your brand’s presence. By utilizing state-of-the-art reputation management software, Single Grain monitors brand sentiment, ensuring you’re always aware of public perception. Their approach includes a mix of content creation, review programs, and search suppression tactics, which are essential for improving search result outcomes. With Single Grain, you can expect swift identification and resolution of any reputation crises, thereby maintaining brand trust. They focus on measurable outcomes, offering clear reporting and performance metrics to align your ORM strategies with business goals. If you’re an individual seeking the best online reputation management services, Single Grain’s innovative methods are designed to drive long-term growth and safeguard your reputation. Thrive Internet Marketing Agency — Best for Review Generation Programs Thrive Internet Marketing Agency stands out as a leader in online reputation management, particularly due to its focus on extensive review generation programs that boost client visibility and trust. Founded in 2005 and based in Arlington, Texas, Thrive offers innovative online reputation management services customized for businesses seeking to improve their online presence. Their pay-for-performance model and month-to-month contracts provide flexibility, making it easier for clients to engage with their services. The agency employs advanced review management strategies, utilizing a proprietary analytics suite that includes tools like Thrive Global and Thrive Global. These tools effectively track review performance and brand sentiment, allowing clients to understand their reputation better. For instance, they increased a telecommunications client’s average rating from 2 to 4.6 by generating 6,000 new reviews. Thrive positions itself as a top online reputation management firm, ensuring clients can build trust and credibility in their industry. Reputation (Reputation.com) — Best for Enterprise, Multi-Location Brands When managing the online reputation of a large enterprise, especially one with multiple locations, the intricacies can become overwhelming. That’s where Reputation.com shines. As a leader among reputation management companies, they specialize in online reputation management services customized for large organizations. Their automated review response solutions streamline the process, ensuring you can manage feedback effectively across various platforms. Feature Reputation.com Competitors Integration Google, Yelp, and more Varies by provider Customer Support 500-1,000 employees Typically fewer resources Scalability Designed for multi-location brands Limited scalability Sentiment Analysis Real-time monitoring Often delayed With a focus on customer experience, their corporate reputation experts provide detailed tools for sentiment analysis and reputation monitoring, making it easier for your brand to thrive. NetReputation — Best for Content Removal and Search Suppression During managing a large enterprise’s online reputation demands thorough solutions like those offered by Reputation.com, individuals and smaller brands often face unique challenges, particularly concerning negative content. NetReputation stands out as the best choice for content removal and search suppression. They specialize in eliminating damaging online information, guaranteeing your personal or brand reputation is protected. Their extensive reputation management services provide both immediate damage control and long-term maintenance of your online presence. NetReputation’s team collaborates closely with clients to create customized strategies, focusing on content takedowns based on policy violations or privacy abuses. They additionally offer step-by-step plans to improve positive online assets, boosting search engine ranking and visibility. As some may seek free online reputation management tools, NetReputation emphasizes transparency and communication, allowing you to track progress effectively. This approach guarantees you understand the outcomes of their reputation management tools throughout the entire process. ReputationDefender — Best for Personal Reputation and Privacy Protection In today’s digital landscape, managing your personal reputation online is crucial, especially as negative information can easily surface in search results. ReputationDefender stands out as a top choice for personal reputation and privacy protection. It offers automated solutions that help you effectively manage outdated or irrelevant results. With a user-friendly dashboard, you can monitor your online presence and adjust privacy settings to maintain control over your digital footprint. ReputationDefender delivers affordable personal online reputation management services, catering particularly to individuals seeking light cleanup and ongoing monitoring. Its emphasis on privacy protection allows you to remove negative content and manage personal information across various platforms. Although they provide free reputation management tools for basic needs, their online reputation management pricing remains competitive for more thorough options. Birdeye — Best for Franchises and Multi-Location Review Ops For franchises and businesses with multiple locations, managing online reviews can be a complex task, but Birdeye simplifies this process. This platform is customized for your needs, offering robust tools that improve your online reputation management. Here’s what makes Birdeye stand out: Automated review management across 200+ sites AI-driven review builder for efficient feedback collection Real-time alerts for timely responses to customer feedback Sentiment analysis to gauge customer perceptions Integrated messaging system to strengthen customer relationships With Birdeye, you’ll find the best online reputation management solution available, especially for those in the dynamic NYC market. Its reputation monitoring software allows you to maintain a consistent online presence, ensuring that each location reflects your brand positively. By streamlining review operations, Birdeye helps you focus on improving service quality and building brand loyalty across all your locations. Status Labs — Best for Crisis PR With Seo-Driven Repair When you’re facing a crisis, Status Labs offers a robust solution that combines crisis management expertise with effective SEO repair strategies. This agency specializes in addressing high-profile reputation issues, utilizing customized media relations campaigns to reshape public perception. Crisis Management Expertise Crisis management in the domain of public relations requires a strategic blend of traditional tactics and digital expertise, which is where Status Labs thrives. Their approach to crisis PR focuses not only on immediate damage control but also on long-term reputation improvement through effective online strategies. Here are some key aspects of Status Labs’ expertise: Proven track record with high-profile incidents Multilingual capabilities for global executives Integration of traditional PR with digital strategies Focus on improving online visibility during crises Experience in politically and legally sensitive situations As you evaluate online reputation management services, consider how Status Labs stands out in internet reputation management reviews, particularly for their SEO reputation management services that drive positive results during challenging times. SEO Repair Strategies Effective SEO repair strategies are vital for restoring an online reputation, especially during high-stakes situations. Status Labs thrives in this area by integrating crisis public relations with SEO-driven tactics, ensuring that negative content is countered with positive, optimized narratives. Their approach involves the use of online reputation management services and software that can swiftly address issues, which is fundamental for minimizing damage. With a focus on rapid response times, they provide customized strategies, including asset control and media placements, making the reputation management cost worthwhile. Furthermore, their multilingual capabilities allow them to cater to clients facing international scrutiny, enhancing visibility across various markets. This all-encompassing strategy effectively boosts clients’ online presence during the management of reputational risks. Frequently Asked Questions What Is the Best Online Reputation Management Company? Determining the best online reputation management company depends on your specific needs. If you’re looking for thorough strategies, consider Single Grain for AI-driven solutions. For improving customer reviews, Thrive Internet Marketing Agency has proven effective. If you manage an enterprise brand, Reputation.com focuses on automated review responses. For franchises, Birdeye stands out in multi-location operations. Finally, if you face a crisis, Status Labs combines SEO with PR to manage high-stakes situations effectively. How Much Does an Orm Typically Cost? Typically, online reputation management (ORM) services range from $500 to $2,500 monthly for straightforward cases, whereas complex projects can exceed $5,000 to $15,000. Entry-level ORM software usually costs between $70 and $150 per month, offering basic features. Many companies use tiered pricing, allowing you to choose packages based on your budget. Moreover, some firms charge based on performance, meaning you only pay if the services yield successful results. How Much Does Reputation Management Services Cost? Reputation management services can vary widely in cost, depending on your specific needs. Entry-level software typically runs between $70 and $150 per month, which suits smaller businesses. Managed services for straightforward cases start at around $500 monthly, whereas complex projects can exceed $5,000. Some firms charge based on performance, ensuring you only pay for measurable improvements. Expect personalized solutions that may include review management, content creation, and SEO strategies customized to your requirements. Is Reputation a Good Company? Reputation.com is a strong choice if you’re looking for enterprise-grade online reputation management solutions. Founded in 2006, it specializes in automating review responses and centralizing feedback channels. By integrating with platforms like Google and Yelp, Reputation helps you manage reviews effectively. Their services include sentiment analysis and reporting dashboards, enabling you to monitor your brand image. With a focus on scalability, they cater well to large businesses needing consistent management across various digital platforms. Conclusion In conclusion, choosing the right internet reputation management service is vital for maintaining a positive online presence. Each of the reviewed companies offers unique strengths customized to various needs, from AI-driven strategies at Single Grain to crisis management with Status Labs. Whether you’re an enterprise brand or an individual concerned about privacy, comprehending these options helps you make informed decisions. By investing in these services, you can effectively manage and improve your online reputation. Image via Google Gemini This article, "7 Top Internet Reputation Management Services Reviewed" was first published on Small Business Trends View the full article

Oman’s foreign minister says the two countries are set to meet again following round of negotiations in GenevaView the full article

In a groundbreaking development, Microsoft’s research team has made significant strides in data storage technology that could transform how businesses, including small enterprises, manage their digital assets. The project, aptly named “Project Silica,” outlines advancements in glass-based data storage capable of preserving information for up to 10,000 years. This innovation comes amid escalating concerns about the longevity and reliability of traditional data storage methods like magnetic tapes and hard drives, which can degrade in a matter of decades. For small business owners, this could mean a radical shift in how they safeguard vital business data. The recent findings, published in Nature, showcase a transition from expensive fused silica to more commonplace borosilicate glass—typically found in kitchen cookware. This shift significantly enhances cost-efficiency and accessibility for small businesses. “We have unlocked the science for parallel high-speed writing,” stated the researchers, emphasizing the dual advantages of improved speeds and reduced complexity in data retrieval processes. The unique phase voxel method allows for data to be imprinted using only a single laser pulse, a significant simplification from previous multi-pulse techniques. The upshot? A single reader equipped with one camera can now efficiently retrieve this data, as opposed to the multiple cameras required earlier. Lower operational costs and streamlined manufacturing processes make this technology more applicable for small businesses that depend heavily on both budget and efficiency. The potential applications are extensive. For small businesses involved in sectors that require extensive archival storage—such as legal services, healthcare, or creative industries—Project Silica stands to offer an invaluable solution. Imagine a law firm storing decades of sensitive documentation on durable glass media that remains intact for millennia. Similarly, a small record label could possess a near-immortal repository of music under the preservation of this innovative technology. Microsoft’s research has already demonstrated the application of storing a Warner Bros. film, “Superman,” on quartz glass, alongside initiatives to preserve music for future generations. This clearly illustrates the technology’s potential to transcend standard data storage and enter the domain of cultural preservation. While the benefits are clear, small business owners should also be aware of potential challenges. Implementing this advanced storage technology may require an upfront investment in specialized equipment and training. Furthermore, as the technology is still in its research phase, businesses may face uncertainties regarding standardization, compatibility with existing systems, and long-term costs associated with maintenance and operation. Additionally, while the concept of immutability is alluring, businesses must be mindful of data compliance and evolving regulations regarding data storage, especially in industries like finance or healthcare. As Project Silica enters a new phase post-research, Microsoft is poised to explore the commercial viability of this storage method. They have expressed a commitment to sustainable, long-term digital data preservation, which aligns with the increasing pressures small businesses face regarding data safety and longevity. For small business owners, staying informed about these advancements will be crucial. Integrating such groundbreaking technologies could provide competitive advantages—whether through cost savings, data longevity, or enhanced security. Whether you’re an entrepreneur in technology, retail, or any other industry, the evolving landscape of data storage could soon impact how you manage and protect your vital business information. More details about these advancements can be found in the original blog post from Microsoft Research here. Image via Google Gemini This article, "Microsoft Unveils Glass-Based Data Storage That Lasts 10,000 Years" was first published on Small Business Trends View the full article

In a groundbreaking development, Microsoft’s research team has made significant strides in data storage technology that could transform how businesses, including small enterprises, manage their digital assets. The project, aptly named “Project Silica,” outlines advancements in glass-based data storage capable of preserving information for up to 10,000 years. This innovation comes amid escalating concerns about the longevity and reliability of traditional data storage methods like magnetic tapes and hard drives, which can degrade in a matter of decades. For small business owners, this could mean a radical shift in how they safeguard vital business data. The recent findings, published in Nature, showcase a transition from expensive fused silica to more commonplace borosilicate glass—typically found in kitchen cookware. This shift significantly enhances cost-efficiency and accessibility for small businesses. “We have unlocked the science for parallel high-speed writing,” stated the researchers, emphasizing the dual advantages of improved speeds and reduced complexity in data retrieval processes. The unique phase voxel method allows for data to be imprinted using only a single laser pulse, a significant simplification from previous multi-pulse techniques. The upshot? A single reader equipped with one camera can now efficiently retrieve this data, as opposed to the multiple cameras required earlier. Lower operational costs and streamlined manufacturing processes make this technology more applicable for small businesses that depend heavily on both budget and efficiency. The potential applications are extensive. For small businesses involved in sectors that require extensive archival storage—such as legal services, healthcare, or creative industries—Project Silica stands to offer an invaluable solution. Imagine a law firm storing decades of sensitive documentation on durable glass media that remains intact for millennia. Similarly, a small record label could possess a near-immortal repository of music under the preservation of this innovative technology. Microsoft’s research has already demonstrated the application of storing a Warner Bros. film, “Superman,” on quartz glass, alongside initiatives to preserve music for future generations. This clearly illustrates the technology’s potential to transcend standard data storage and enter the domain of cultural preservation. While the benefits are clear, small business owners should also be aware of potential challenges. Implementing this advanced storage technology may require an upfront investment in specialized equipment and training. Furthermore, as the technology is still in its research phase, businesses may face uncertainties regarding standardization, compatibility with existing systems, and long-term costs associated with maintenance and operation. Additionally, while the concept of immutability is alluring, businesses must be mindful of data compliance and evolving regulations regarding data storage, especially in industries like finance or healthcare. As Project Silica enters a new phase post-research, Microsoft is poised to explore the commercial viability of this storage method. They have expressed a commitment to sustainable, long-term digital data preservation, which aligns with the increasing pressures small businesses face regarding data safety and longevity. For small business owners, staying informed about these advancements will be crucial. Integrating such groundbreaking technologies could provide competitive advantages—whether through cost savings, data longevity, or enhanced security. Whether you’re an entrepreneur in technology, retail, or any other industry, the evolving landscape of data storage could soon impact how you manage and protect your vital business information. More details about these advancements can be found in the original blog post from Microsoft Research here. Image via Google Gemini This article, "Microsoft Unveils Glass-Based Data Storage That Lasts 10,000 Years" was first published on Small Business Trends View the full article

Former secretary of state issues blistering statement in closed-door testimony to lawmakers View the full article

We may earn a commission from links on this page. When selling a home, it’s natural for folks to want to get as much money as possible for their property. That’s why people often put money into repairs and upgrades right before listing their house, and why people hire stagers to make the place look its best. But not all home-selling tactics are above board: Some unscrupulous home sellers resort to dirty tricks to convince you to overpay for their homes. Here are some of the tricks you should watch for on your next open-house tour. Home sellers might try to hide the true age of an applianceA key consideration when buying a home is the condition and age of everything in it, and unscrupulous home sellers might try to hide how old their stuff actually is in order to avoid giving you a credit or being forced to replace aging infrastructure like the furnace or HVAC system. They can always claim they don’t know when something was installed and try to dance around the units’ actual ages, but, typically, a competent home inspector can take one look at the serial number on every appliance and determine when it was manufactured and likely installed. Which is why some home sellers might try to deter this by simply removing serial number stickers or plates from appliances, or scratching them to make them unreadable. Sometimes they might even use a marker to try to change installation dates, if they’re marked on the unit. If you can’t easily locate and read the serial numbers on appliances, be suspicious at the very least and insist on finding out how old the units actually are. Sellers could try to re-label appliances with high-end brand badgesMost people aren’t experts in kitchen appliances, but most people are aware of the hierarchy of brands, and that certain brands—like Viking—are extremely expensive and high-end. So if you walk into a kitchen and the shiny, stainless-steel appliances have Viking badges on them, you might be thrilled to think you’re about to buy the most luxurious kitchen you’ve ever had. You might even be okay with paying a bit more if the appliances are included. And it might be a ruse. You can actually buy appliance badges for brands like Viking online, adhere them on your mid-range appliances (covering or removing the real emblem), and hope buyers don’t know what the actual high-end models look like. This obviously won’t work on anyone who knows their way around appliances (or who has used high-end models in the past), but for a few bucks, it’s an easy way to make a kitchen look way more upgraded than it is. It’s only slightly less terrible than folks who leave brand-new appliances in place for the open house, then swap them for old, beat-up versions after closing—taking the good stuff with them. Sellers might use these tricks to make old appliances look newer and more expensiveAppliances can make or break a kitchen—and a sale price. A kitchen that looks new and recently remodeled can boost the sale price of a house significantly. This inspires some cash-strapped sellers to try to make the kitchen look as new as possible with some cheap tricks. There’s nothing wrong with sprucing up a tired old kitchen using some of these techniques, of course—as long as you’re open about it. It becomes problematic when a seller lets you assume things are newer and in better condition than they are and does nothing to disabuse you of the notion. A few common tricks include: Fake stainless steel. People love the look of stainless steel, and tend to assume that stainless steel appliances are higher-end than white or black versions. It’s pretty easy and cheap to apply decals, contact paper, or vinyl wrap that will give an appliance a stainless steel look, making it just as easy for a buyer to assume those shiny appliances are newer and higher-end than they really are. Always check serial numbers—and be wary if they’re obscured or missing. Upgraded oven grates, knobs, and hardware. Combined with a stainless steel decal, swapping out old, crusty burner grates for fancier new ones and replacing plastic knobs with metal versions can make an old oven look brand new. Again: If disclosed, there’s nothing wrong with this. Dishwasher cabinet panel. One easy way to obscure the condition of an old dishwasher is to add a cabinet panel that matches the rest of the cabinetry. This gives it a high-end, built-in look that might cause buyers to overlook the actual age and functionality of the appliance. This can be a DIY job for anyone who’s reasonably handy—and might even be considered a nice upgrade, as long as you know what’s lurking beneath that panel. Home sellers could make isolated upgrades to high bigger problemsEveryone does some work to get a house ready for sale. Deep cleaning, fresh paint, and necessary repairs get done shortly before the listing goes live so the house looks its best and looks well-maintained. But sometimes those necessary repairs are hiding a chronic problem the seller is hoping no one will notice because they’ve fixed it “for now” and covered up the damage. The tell-tale sign is an isolated upgrade—a single wall painted in a room, a spot of new shingle on the roof, brand new carpet in the third bedroom but nowhere else, for example. A single, lonely upgrade or renovation, no matter how nicely done, might be a sign that something happened in that spot that the seller doesn’t want you to know about. At the very least, isolated upgrades should be pointed out to your home inspector for extra attention. Sellers can stage furniture and decor to hide defects in the homeAnother way home sellers try to trick potential buyers and hide problems is probably the oldest trick in the book: Simply hiding the problem under something else. If the house is being shown furnished and possibly staged, the clutter and interior design can distract you from checking out the bones of the place—and, after all, we don’t often move furniture around when checking out an open house. A few common tricks to watch for include: Oddly-placed furniture. If a room has way too much furniture in it, or the couches and chairs are placed in strange ways that make the room uncomfortable, it’s time to look underneath and behind to see if there’s damage to walls and floors the seller doesn’t want you to see. For-show drapes and curtains. If you see voluminous, floor-to-ceiling drapes and curtains in a room, pause to ask yourself if there’s actually a window behind them. They may have been added to hide a water-damaged wall or other problem. Brand new area rug or carpet. If there’s a brand-new area rug or carpet in one area of the house but the flooring is tired and worn everywhere else, take a peek under it, if you can. It may have been added to quickly hide a problem. Door propping. Did the seller helpfully prop open all the doors so you could move freely through the open house? That’s nice. Now remove the doorstops and make sure the doors actually close properly. The freshest air. Making a house smell nice is an old technique when selling a home. A fresh batch of cookies or a quick airing-out is fine, of course, but if the house smells like someone splashed a gallon of Febreze everywhere they might be hiding an ominous smell—like mold, or cigarette smoke. View the full article

Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter. Since the 2008 housing bust and subsequent Great Financial Crisis (GFC), mortgage lending has steadily shifted away from big banks. In the years that followed—amid tighter regulations, higher capital requirements, and elevated litigation risk—many large banks, including Bank of America, JPMorgan Chase, and Wells Fargo, reduced their mortgage footprint. In that void, nonbank lenders, also known as independent mortgage banks (IMBs), such as Rocket Mortgage, United Wholesale Mortgage (UWM), and loanDepot, gained market share. Now, a top Federal Reserve official is openly questioning whether policy and regulation went too far—and is signaling that a policy shift may be coming. In a February 16 speech at the American Bankers Association’s Community Bankers Conference, Federal Reserve Vice Chair for Supervision Michelle Bowman pointed to what she described as a “significant migration” of mortgage origination and servicing out of the banking sector over the past 15 years. According to Bowman: In 2008, banks originated around 60% of mortgages and held the servicing rights on about 95% of mortgage balances In 2023, banks originated around 35% of mortgages and held the servicing rights on about 45% of mortgage balances That’s pretty in line with the data ResiClub pulled from the U.S. Department of the Treasury: During her speech, Bowman suggested that post-2013 capital rules—particularly the treatment of Mortgage Servicing Rights (MSRs)* under Basel standards**—may have contributed to the mortgage retreat by banks. MSRs, which represent the expected value of servicing income when loans are sold into securitizations, were assigned higher risk weights and subject to deduction thresholds after the crisis. While regulators tightened those rules over concerns about valuation volatility and model risk, the capital treatment also made servicing and, by extension, mortgage origination less economically attractive for banks. The result, Bowman implied, is a mortgage market increasingly concentrated in nonbank firms that lack deposit funding and operate under different supervisory and resolution frameworks. During the COVID-19 lockdowns, Bowman said, borrowers with bank servicers were more likely to receive forbearance than those serviced by nonbanks—highlighting structural differences that can matter during stress periods, she says. Bowman previewed potential changes now under consideration, including removing the deduction requirement for MSRs and making mortgage capital rules more sensitive to loan-to-value ratios rather than applying a uniform risk weight. Such changes would not unwind post-crisis reforms but could modestly improve the economics of bank mortgage activity, Bowman says. Here’s what Bowman said in her February 16 speech: “Two regulatory proposals will soon be introduced that, among other broader changes to the regulatory capital framework, would increase bank incentives to engage in mortgage origination and servicing. First, the proposals would remove the requirement to deduct mortgage servicing assets from regulatory capital while maintaining the 250 percent risk weight assigned to these assets. We will seek comment on the appropriate risk weight for these assets. This change in the treatment of mortgage servicing assets would encourage bank participation in the mortgage servicing business while recognizing uncertainty regarding the value of these assets over the economic cycle. Second, the proposals would also consider increasing the risk sensitivity of capital requirements for mortgage loans on bank books. One approach would be to use loan-to-value ratios to determine the applicable risk weight for residential real estate exposures, rather than applying a uniform risk weight regardless of LTV. This change could better align capital requirements with actual risk, support on-balance-sheet lending by banks, and potentially reverse the trend of migration of mortgage activity to nonbanks over the past 15 years.” James Kleimann, founder of Mortgage Scoop, writes the following: “This stuff is quite complicated, but basically the Fed is weighing a plan to remove the rule that banks must deduct MSR assets from regulatory capital while maintaining a 250% risk weight for those assets. In plain English, that means regulators treat $1 of MSRs like $2.50 of risky assets. What the appropriate risk weight level should be remains the central question, but this potential change is something the MBA [Mortgage Bankers Association] has been arguing in favor of for years.” Big picture: If adopted, the proposals could mark the beginning of a gradual rebalancing in housing finance—one that brings more mortgage origination and servicing back inside the traditional banking system after more than a decade of migration outward. View the full article