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Busy Season sets up a year of tough decisions for monumental transformations. By CPA Trendlines Go PRO for members-only access to more CPA Trendlines Research. View the full article

Busy Season 2026 proves to be a mixed bag as firms face monumental transformations. By CPA Trendlines Go PRO for members-only access to more CPA Trendlines Research. View the full article

Launch of GPT-5.4-Cyber follows concern about ability of Anthropic’s Mythos to find software bugsView the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The JBL Tune Buds 2 True Wireless Noise-Canceling Earbuds are currently on sale for just $39.99 on StackSocial, down from their usual $109.95 price. They're open-box models, meaning the earbuds were excess retail inventory or store returns that have been checked for functionality and repackaged. The packaging may show signs of handling or extra stickers, but the earbuds themselves are verified to be in brand-new condition. For just $40, you get the earbuds, a charging case, a USB-C cable, and three sizes of silicone ear tips. The listing also includes a third-party one-year parts-and-labor warranty. The Tune Buds 2 are built around 10mm dynamic drivers designed to deliver JBL’s familiar Pure Bass Sound. In practice, that tends to translate into stronger low-end presence in music genres like hip-hop, EDM, and pop. JBL also includes Spatial Sound, which widens the listening field for standard stereo tracks. The earbuds support Adaptive Noise Canceling, allowing you to block outside noise when commuting or working in a busy space. And when you need awareness instead of isolation, Ambient Aware and TalkThru modes let outside sound in so you can hear announcements or talk with someone nearby without removing the earbuds. The earbuds also support Bluetooth 5.3, multi-point connection for switching between devices, and Google Fast Pair for quick Android pairing. They also have an IP54 rating, which means they can withstand sweat, dust, and light rain, making them suitable for workouts or outdoor walks. As for its battery life, JBL estimates up to 12 hours of playback from the earbuds alone, or about 10 hours with noise canceling turned on. You can adjust EQ settings, personalize the sound profile, and control noise-cancellation levels in the JBL Headphones app. For everyday listening, travel, and casual calls, the current $39.99 sale price makes these earbuds an accessible option for wireless audio. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $199.99 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $299.00 (List Price $399.00) Fire TV Stick 4K Plus Streaming Player With Remote (2025 Model) — $29.99 (List Price $49.99) Amazon Fire TV Soundbar — $99.99 (List Price $119.99) Blink Video Doorbell Wireless (Newest Model) + Sync Module Core — $35.99 (List Price $69.99) Ring Indoor Cam (2nd Gen, 2-pack, White) — $59.98 (List Price $79.99) Deals are selected by our commerce team View the full article

A Google Search Console glitch resulted in a message to site owners implying that impressions have only just started being reported. The post New Google Search Console Message Glitch Gives SEOs A Scare appeared first on Search Engine Journal. View the full article

Apple Music has an edge among music streaming services in specific categories, including sound quality, music organization, and lack of ads. While it may not be the best option out there for all users, it offers a solid experience (especially if you're on iOS). Here are the tips, tricks, and hidden hacks to get the most out of Apple Music. Import songs directly from other streaming services to Apple MusicMoving from one music streaming service to another can be a huge hassle, not least because you won't want to lose all the playlists you've curated in the transition. There are third-party services that facilitate transfers, but Apple Music has a direct import feature powered by SongShift that works with Amazon Music, Deezer, Spotify, Tidal, and YouTube Music. To import your library, go to Settings > Apps > Music and toggle Sync Library on. Tap Transfer Music from Other Services, select the music app you want to transfer from, and follow the prompts. Apple Music will look for matches in its catalog—if it can't find one, you may need to review and approve an alternate version. You can also do this through Settings in the Music app on iOS and Android or via the web app. Add songs to multiple playlists Apple Music at onceApple Music has long lacked the ability to add songs to more than one playlist at a time, meaning that if you had a track you wanted to save in multiple places, you had to go through that process separately for each playlist. If you have a device running iOS 26.4, you can now select multiple playlists at once, eliminating the previous hassle. Open the song, tap the three dot menu, and select Add to Playlist. Tap the multi-select button in the bottom-right corner, select the playlists you want included, and tap the check button in the top-right corner to confirm. (This is iOS only, so you still have to select playlists one by one on Mac.) Use "Playlist Playground" to generate Apple Music playlists with AIIf you don't like hand-picking songs for your playlists, you can employ AI to do it for you. Apple Music's "Playlist Playground" feature on iOS generates playlists from natural language prompts, so you can simply give AI a vibe and let it do its thing. It'll create a playlist with 25 songs, which you can further customize with additional prompts or manually add and reorder tracks. Sync Library must be enabled in your device Settings, then open Apple Music, go to Library > New Playlist > Create New Playlist, and enter your prompt in the search field. Note that at the time of writing, Playlist Playground is available in beta only for U.S. users on iOS 26.4. Use Smart Playlists on Mac for automatic updates in Apple MusicAnother feature for curating music without having to add songs one at a time is Smart Playlists, which automatically organizes tracks added to your library into playlists based on criteria you specify. You can set as many rules as you'd like using a long list of parameters—everything from genre and artist to sample rate and beats per minute—and a total number of items, and Apple Music will take care of the rest. If you enable Live updating, playlists will update as library items are added, removed, or changed. A few downsides: You can't manually edit Smart Playlists—instead, you have to change the criteria. This feature is also desktop-only, but if library sync is on, you should be able to listen on other devices. To create a Smart Playlist, open the Music app on your Mac and go to File > New > Smart Playlist. Enable haptics in Apple Music for multi-sensory listeningA small but mighty feature for enhancing your Apple Music experience on iOS is Music Haptics, an accessibility setting that plays haptic vibrations to the beat of what you're listening to. Vibrations work with any discernible beat on supported songs across music genres. Music Haptics was designed for deaf and hard-of-hearing users and introduced with iOS 18. To enable, go to Settings > Accessibility > Music Haptics and toggle the feature on. You can set the vibration intensity (light, medium, or strong) and select whether to play haptics for the entire song or just vocals. Use Apple Music Sing to turn song lyrics into karaokeApple Music has lyrics for singing along with your favorite music (to view, open the song that's playing and tap the Lyrics button at the bottom of the screen), but you can take it a step further with Sing, a karaoke mode that turns down the vocals while highlighting beat-by-beat lyrics. Ensure lyrics are on, then tap the mic icon above the music controls and use the slider to adjust the volume for vocals. Apple Music Sing is supported on iPhone, iPad, and Apple TV 4K. Use (or create) Shortcuts in Apple Music to curate your listening experienceShortcuts is one of our top iPhone hacks for automating tasks or workflows you use frequently. You can do everything from opening a music streaming app automatically when you connect to your Bluetooth headphones to automating messages when you leave from or arrive to a specific location. Apple Music users have created and shared ideas for shortcuts for launching specific playlists, shuffling through specific genres, pausing playback at the end of a song, and more. You can also create your own in the Shortcuts app. Back up your Apple Music library in case you cancelIn the event you stop paying for Apple Music, you'll lose your playlists and downloads, which can't be restored even if you resubscribe. (Access to purchased music isn't affected if you cancel.) However, there is a workaround to back up your library and save it for later, whether in Apple Music or another streaming service. Third-party service TuneMyMusic lets you export from Apple Music to a CSV or TXT file, which you can download and store on your device or in the cloud (or transfer to a different streaming platform). You can then use the same service to upload the file back to Apple Music. Reddit users also endorse the Hezel app for Apple Music library backups. Manage your device's storage space for downloaded musicYou will almost certainly want to download music and podcasts to your device so you can listen offline instead of streaming, but if you add thousands of tracks or have automatic downloads enabled, you may quickly hit the limits of your storage space. Apple lets you choose how much storage you want to dedicate to Music content, and if that limit is reached, your device will offload songs you haven't listened to in order to make space. On your iOS device, go to Settings > Apps > Music > Optimize Storage (under Downloads). Toggle the setting on and select the minimum storage amount, which ranges from 8 GB (1,600 songs) to 256 GB (51,200 songs). Note that some Reddit users have reported that Apple Music has gone over their set storage limit. You may be able to force offloading by choosing "None" for storage space. You can also remove downloaded content manually, either by item within the Music app or en masse under Settings > Apps > Music > Downloaded Music. Track your Apple Music listening statsApple Music's native Replay feature tracks basic listening stats broken down by month and by year (similar to Spotify Wrapped), but if you want to keep tabs on your activity in a more frequent and detailed way, you'll need to connect to a third-party service. Last.fm, a popular option for "scrobbling," doesn't play as nice with Apple Music on its own as with other streaming services—for example, it only tracks music added to your library, so anything that's streamed has to be scrobbled manually. However, there are a few other apps with Last.fm integrations for iOS, macOS, and the Apple Music web player that will scrobble more seamlessly. View the full article

Americans can’t get enough chicken—brands like Raising Cane’s and Chick-fil-A have risen as fast-food superstars while others race to consolidate their spot as winners of the chicken sandwich wars. Now, Chili’s is entering the game in a big way. Value menus, a staple of chain and fast-food restaurants, bundle multiple menu items at a discounted price, giving customers a full meal without the full cost. Now, Chili’s—whose value meal includes an entrée, fries, a soda, and bottomless chips and salsa—is adding chicken sandwiches to the mix. “We’re setting our sights on fast food chicken sandwiches, offering our gigantic Big Crispy and Spicy Big Crispy chicken sandwiches in the same 3 For Me value meal,” George Felix, Chili’s Chief Marketing Officer, said in a press statement. The Big Crispy will be offered in six different variations: the Original, Nashville Hot Big Crispy, Spicy Big Crispy, Honey-Chipotle Big Crispy, Buffalo Big Crispy, and the Deluxe Big Crispy. The chicken sandwiches are allegedly larger in size than that of its competitors, with the new value menu rollout serving as commentary on other fast food restaurants shrinking their menu items. “Over the past few years, we’ve exposed the fast food shrinkflation by serving our massive burgers in the industry-leading $10.99 3 For Me meal for a value that can’t be found in the drive-thru,” Felix said. Chili’s claim follows that of many customers who have noticed that, while value menu pricing has remained relatively the same, the menu items have shrunk ahead of inflation—a phenomenon refered to as ‘shrinkflation.’ In one viral post on Reddit’s r/ChickFilA subreddit, a user shared two images allegedly take five years apart, depicting how a chicken sandwich has decreased in size. “Shrinkflation happened to every corporate entity in the world,” a user responded. In fact, Its not just fast food restaurants who have fallen victim to shrinkflation—reports have found that products like the Chobani yoghurt flip cups and Kleenex boxes have started to offer less product than before. “With inflation as high as it is, and more consumers paying closer attention, attempts by brands to squeeze more profit out of each sale by changing package sizes may not go unnoticed,” Fast Company writer Sam Becker wrote about the trend. As part of the expanded value menu launch, Chili’s is hosting a pop up inspired by shrinkflation—or what the company is calling “value injustice”—inviting visitors to serve as jurors by putting fast food items on trial. The Chili’s Big Crispy Food Court will be open on April 16 in downtown Manhattan, with attendees hearing “evidence” comparing fast food items and the new Big Crispy 3 for Me meal. Attendees will then be able to share their “verdict” via CourtTV. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Working from a laptop all day usually means juggling tabs, resizing windows, and constantly switching between apps. A second monitor helps, but it’s not always practical if you’re moving between home, office, and travel. The Mobile Pixels Trio 3 Pro aims to solve those problems by turning your laptop into a three-screen setup that travels with you, and it's currently on sale for $449.99 on StackSocial. It works across most systems, including macOS, Windows, Linux, and even devices like the Nintendo Switch or Samsung DeX. The appeal is straightforward: You attach two 14.1-inch displays to your laptop with USB-C or Mini HDMI, slide them out, and suddenly you have a full multi-screen layout without needing a desk setup. Each panel runs at 2240x1400 resolution with a 120Hz refresh rate, so text looks sharp, and scrolling feels smooth. It’s not just about adding screens, though. The four viewing modes change how you can use them. Landscape mode works for typical multitasking, like spreadsheets and browsers side by side. Portrait mode is useful for long documents or coding. There’s also a collaboration mode that lets you flip a screen outward for someone sitting across from you, and a presentation mode that does the same for a wider audience. The screens are IPS with anti-glare coating, so they stay readable during long work sessions, and its 65W pass-through charging means you’re not giving up a port just to power everything. The whole setup weighs just over four pounds, adding some bulk to your bag, and its brightness tops out at 300 nits, which is fine indoors but less ideal in bright environments. It’s also not meant for color-critical work, so designers or editors may still prefer dedicated monitors. The real question is whether you actually need the option of using three screens. If you'd actually benefit from multiple screens fairly often, the Mobile Pixels Trio 3 Pro is a good call. If you mostly stick to one or two apps, it might feel like overkill. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $199.99 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $299.00 (List Price $399.00) Fire TV Stick 4K Plus Streaming Player With Remote (2025 Model) — $29.99 (List Price $49.99) Amazon Fire TV Soundbar — $99.99 (List Price $119.99) Blink Video Doorbell Wireless (Newest Model) + Sync Module Core — $35.99 (List Price $69.99) Ring Indoor Cam (2nd Gen, 2-pack, White) — $59.98 (List Price $79.99) Deals are selected by our commerce team View the full article

ServiceNow is a popular platform for organization-wide, enterprise-grade ITSM. But it’s rarely the platform everyone uses. Teams working in the Atlassian ecosystem typically rely on Jira for project management and sprint planning, which makes Jira Service Management particularly attractive — since it integrates natively with other Atlassian products. When organization-wide ITSM processes need to cross through software development projects (either because they impact these projects or require developer input), teams need to deal with two siloed systems that don’t share data effectively. That’s where an integration that supports bidirectional sync comes in. Here’s everything you need to know to connect ServiceNow, Jira Service Management, and your IT management processes with a low-code 2-way integration. You can sync ServiceNow incidents to issues without having to write scripts and still keep your ITSM, ITOM, or ITAM workflows fully integrated. The use case we’ll be using to demonstrate this integration focuses on change requests, but it can easily be re-applied to incident management, DevOps, or any other ticket collaboration between an IT Department and an engineering team. This integration will be built through Unito, a 2-way low-code integration platform with support for ServiceNow, Jira Service Management, Jira, and 50+ other industry-leading tools. Overview Tools: ServiceNow and Jira Service Management Use cases: Ticket escalation, product management, software development Great for: Product managers, IT, customer success, software developers, project management Unito’s two-way sync integration for ServiceNow and Jira Service Management allows users of any technical background, from product managers to software developers and team leads, to sync ServiceNow records with Jira Service Management issues. This integration syncs updates back and forth between both tools, creates new work items, and can even automate repetitive actions. This in-depth guide shows you how that’s done. Why would an organization use both ServiceNow and JSM? ServiceNow and Jira Service Management are both popular options for ITSM and IT support, but they have different strengths. ServiceNow is a complex, but robust platform that’s suited to enterprise-scale ITIL, where compliance and structured governance are vital. Jira Service Management, on the other hand, offers faster setup, more accessible pricing, and native integration with other Atlassian products (Jira Software, Confluence, Bitbucket). It’s also more suited to agile and DevOps workflows. Both platforms have similar functionality, but they operate in completely different environments. When these two platforms are used within the same project, workflow, or organization, data silos can form. Incidents logged in one system don’t reach the other. Updates need to be copied and pasted manually. The right integration eliminates this extra administrative work. Unito’s integration vs. ServiceNow’s Jira Service Management Spoke ServiceNow offers “Spokes,” built-in integrations for other popular apps, like Jira Service Management. This Spoke allows ServiceNow users to automate certain actions between this platform and Jira Service Management. These automations cover a wide range of actions, from adding users to an organization to looking up issue statuses and creating comments. These Spokes have limited support for two-way syncing, and require some technical knowledge to deploy and maintain. Additionally, they come at an additional cost above your ServiceNow license. Setup in ServiceNow and Jira Service Management Once you connect your tools to Unito, the platform can only operate within the same permissions as the user who authorizes Jira and ServiceNow. So if you’re able to create new records/incidents or issues, then Unito will be able to create and sync them too through a flow. What’s a Unito flow? A flow represents the connection between ServiceNow and Jira Service Management that allows your data to sync bidirectionally. Building a flow takes the average Unito user 12 minutes on average (once they’re familiar with the interface), though obviously it will take a bit more time when you set up your very first flow. Connecting ServiceNow to Unito for the first time All you need to connect ServiceNow to Unito is your: ServiceNow Domain URL: https://INSTANCENAME.service-now.com ServiceNow Username ServiceNow Password Connect to Unito with a new ServiceNow account Some ServiceNow instances require newly created users to change their password immediately upon login. If you’re using a new ServiceNow account to connect Unito, this can disrupt the authentication process by the forced password change. Make sure that account has CRUD access to the same records and tables you plan on syncing. You’ll also need to disable the Password reset flag on any new account or reset the password before connecting to Unito. Solution: Disable password reset flag Choose a ServiceNow table to sync with Jira Service Management ServiceNow is vastly configurable in countless ways, but Unito is able to link incidents from your tables no matter how your instance is configured. But you’ll still need to consider what incidents precisely you plan to sync. In our demo use case, we’re syncing records from a table called Incidents into Jira Service Management. Setup in Jira Service Management If you’re connecting Jira Service Management to Unito via OAuth2, then there are no extra steps to sync your ServiceNow cards other than the on-screen instructions when adding your account for the first time: Anyone using Jira Service Management on-premise (local server) may wish to review our guides to on-premise installations or connecting Jira via ngrok. If you’re connecting Jira Service Management without OAuth2, you’ll need to follow a few extra steps: Step 1. Connect a ServiceNow table and Jira Service Management project to Unito Sign up for Unito if you haven’t already! Navigate to the Unito App and select +Create Flow. Select Start Here to connect ServiceNow and Jira Service Management. Then +Choose account to specify the JSM Project and ServiceNow Table you plan on syncing. Click Confirm. You can either type in the name of your table or scroll through the list to find the one you want to connect. Only records from that specific table and your project in JSM will sync in this particular flow. Afterwards, you can duplicate this flow and change to another project or table to go through this process faster. As described above, we chose the table Change Request by typing it into the search box. Read more about connecting tools to Unito. Step 2. Choose a flow direction for creating new incidents or issues Your low-code Unito flow lets you automatically create new ServiceNow incidents or JSM issues based on manual activity. So for example, when someone on your team creates a new issue in Jira, Unito automatically creates a linked record in ServiceNow. Select a flow direction with one of the three directional arrows to indicate: from ServiceNow to JSM, JSM to ServiceNow, or both. When is the best time to create a 2-way flow? Choose a 2-way flow direction if you have incidents in a specific ServiceNow table that you want added to a specific Jira Service Management project and issues in JSM that you want added to that same table in ServiceNow. Read more about flow direction. Step 3. Filter out unrelated issues or incidents from syncing by setting rules Now we can set up rules to determine which manual actions in your tools will automatically create new ServiceNow incidents or Jira Service Management issues. This is extremely useful for filtering out unrelated data from syncing, particularly if your ServiceNow tables contain large volumes of data. You’ll want to apply rules that filter out all but the most essential incidents or issues. SyncToServiceNow[System]Change Since both Jira Service Management and ServiceNow are vastly configurable in countless ways, everyone will have a unique method of filtering their data with rules. Which fields should I use for my rules? We recommend select lists in Jira Service Management or choice fields in ServiceNow to use in your rules. The logic will then tell your flow to only sync issues or incidents if specific values from those fields are present. Issues and incidents that match your rules will stay in sync with Unito. As soon as the rules no longer apply, that item will stop syncing. For example, if the Hardware category above is changed from a synced issue or record, Unito will no longer keep it updated unless the category changes back to Hardware. Find out more about setting rules in Unito. Step 4. Link fields between ServiceNow incidents and Jira Service Management issues This is where you tell Unito which fields in ServiceNow to link with similar fields in Jira Service Management so that manual changes in one affect the other automatically. When you first open this screen, you’ll be presented with two options. Select Auto-map to begin with a prebuilt template that can later be modified. Click + Add mapping to add a new pair of fields to be synced. Then, click Select a field for each tool, and find the appropriate field to map. Tip: If you aren’t sure where to put data from one tool when it syncs over to the other, you can always add it to the Description Footer, e.g., Issue ID to Description footer in the example above. Clicking on the gear or cog icon beside a pair of fields will allow you to configure the individual values or statuses of that field to link them when one or the other is changed manually. Not TestedIn ProgressNot StartedIn UAT The most common field mapping for integrations between ServiceNow and Jira Service Management pairs ServiceNow’s Incident State field with JSM’s Status field. You can match Incident States and Statuses closely (e.g., “New” with “In Progress”) or match different options (e.g., “In Progress” to “Resolved) to represent how your workflow actually moves through these tools. Useful Links for this section: Here’s how to create a custom field in ServiceNow. Find out more about setting field mappings. Step 5. Launch your ServiceNow Jira Service Management integration If you’ve followed the steps above, your flow will now: Add a new issue in Jira Service Management when a record is created in ServiceNow based on the rules you set in Step 3. Create a new record in ServiceNow when you manually add a JSM issue based on your rules. Keep ServiceNow incidents and JSM issues in sync as long as they match the conditions of your rules. Here’s a quick snapshot of our synced ServiceNow record and Jira Service Management issue, highlighting a few of the fields that are being kept in sync: If you have any questions, don’t hesitate to reach out and let us know. Ready to optimize your support workflows? Meet with our team to see what Unito can do for your workflows. Talk to sales What’s next after you sync ServiceNow and Jira Service Management with Unito? Learn how to duplicate this flow for additional use cases Build an automated ticket escalation queue from Jira Service Management to Jira Cloud Connect ServiceNow to monday.com, Azure DevOps to ServiceNow, ServiceNow to Google Sheets, or ServiceNow to any other tool supported by Unito. Try to sync Jira issues to Google Sheets. Smartsheet and Salesforce ServiceNow and Smartsheet Salesforce and ServiceNow ServiceNow and Wrike ServiceNow and Jira Resources for ServiceNow users Read an overview of Unito’s ServiceNow integration How does Unito stack up against ServiceNow Integration Hub? Salesforce or ServiceNow? Why not use both? How to run a ServiceNow export to Microsoft Excel. FAQ: Jira Service Management ServiceNow integration Why would an organization use both ServiceNow and Jira Service Management? Many organizations use both ServiceNow and Jira Service Management to handle organization-wide ITSM and developer-specific support workflows. ServiceNow often serves as the main ITSM solution for enterprise organizations, while Jira Service Management is used within software development teams. The former is robust, with rigid systems that support best practices for ITIL compliance and auditability. The latter is more aligned with the agile processes involved in DevOps, as well as offering native integrations with other Atlassian platforms. What are common use cases for a ServiceNow-JSM integration? A ServiceNow-JSM integration supports a wide array of use cases within ITSM and software development, such as: Ticket escalation: Tickets might begin in ServiceNow and need to be escalated for development work in JSM. An integration ensures context and status updates transfer seamlessly between tools. Change request tracking: When change requests impact development workflows, developers and team leads need to investigate their impact and share their input. With an integration, the result of that investigation can be shared automatically without any manual work. Performance reporting: If ITSM workflows pass through both ServiceNow and Jira Service Management, reporting tools in either platform don’t tell the full story. Integrations can centralize data in whichever platform you end up using for performance reporting. What’s the difference between Unito and the ServiceNow-JSM Spoke? ServiceNow’s JSM Spoke allows users to automate actions with limited two-way syncing capability between the two tools, requiring some level of technical knowledge to build and maintain. Unito’s two-way integration is no-code, with a simple visual interface that allows business users to build their own integrations in minutes. Unito also allows you to integrate both ServiceNow and Jira Service Management with 60+ other tools, while ServiceNow’s JSM Spoke only pairs these tools together. Can Unito sync custom fields between ServiceNow and Jira Service Management? Yes, Unito supports a wide range of ServiceNow custom field types, like choice fields, reference fields, and journal fields. Unito also supports custom fields in Jira Service Management. Does Unito only support ServiceNow incidents? Unito supports ServiceNow incidents, change requests, problems, and service requests from ServiceNow. View the full article

Large loan balances are increasingly common in non-QM and HELOC securitizations, bringing faster prepayments and higher delinquency risks, Bank of America Securities research shows. View the full article

We may earn a commission from links on this page. I've always been the kind of person who needs to write my thoughts down, for fear I'll forget my latest brilliant idea. I used to keep multiple notebooks at the ready for this purpose, but they would invariably get lost, get messy or damaged, or just be too annoying to keep organized. I switched to using apps, but I never built the muscle memory to keep it consistent, and opening a phone has never been good for my productivity. Then I learned about the Rocketbook Core reusable smart notebook. I tried it out, and now it has replaced all my productivity apps and my paper notebooks—and the best part is, it's super affordable, only costing me around $24. Rocketbook Core Reusable Smart Notebook Lined Pages For School, Work and Creative Projects, Executive Size 6x8.8, Green - Premium $23.99 at Amazon $29.99 Save $6.00 Get Deal Get Deal $23.99 at Amazon $29.99 Save $6.00 The Rocketbook looks like a paper notebook at a glance, but its pages aren't paper, but a material that functions a little bit like a whiteboard: You can write on it using the included stylus, then wipe the ink away with a damp cloth. Unlike a whiteboard, your hands won't get smudged with ink, and it won't smear across the pages themselves either (unless you're writing too fast and don't give the ink a moment to dry). Once dry, no amount of wiping with your fingers or a dry cloth will erase your writing. Credit: Daniel Oropeza A reusable notebook is kind of neat, but the real draw is the integration with the free Rocketbook app, which scans your notes and organizes them for you. At the bottom of each notebook page, you'll find different "smart tags" that you can use to essentially make folders or bookmarks within the Rocketbook app, so you can send your scanned notes to that specific category. Credit: Daniel Oropeza Say you make one of the seven smart tags on the bottom of the page "Biology." Every time you scan an image and circle that tag (or write it on the "tag" box on the bottom right), it will go to that folder. You can then choose to upload these files to other apps, such as Google Drive, Slack, Dropbox, or OneNote. This video provides a detailed explanation of how the smart tags work: Once you use up the pen that comes with the notebook, you can replace it with another, provided you buy the right kind of erasable ones. A regular pen will not work. Because I like being organized and and also easily misplace things (like the special erasable pen I need for my special notebook), I added this pen holder, which also keeps the notebook closed when not in use. Credit: Daniel Oropeza If you want to depend less on your phone while also reducing the amount of notebooks littered around your house—and you don't have the big bucks to buy a Supernote or reMarkable—the Rocketbook might be a great option for you. It has been revolutionary for me. View the full article

Any leader who steps into the role of CEO at an established company competes with the legacy of their predecessors. Only some of us are lucky enough to have had a mentor come before them, one who was as vested in their successor’s success as they were in their own. Jerry Lee, now a retired architect and executive director of our MG2 Foundation, was my CEO predecessor at MG2 and my mentor. Jerry has always understood growth as something far deeper than financial success. From the earliest days of his career, he learned that resilience and purpose come from how we show up for others. “Part of being generous,” he once said in a commencement speech at Washington State University, “is basically being helpful.” Helpfulness—it’s so basic, but so profoundly important. He learned the value of helping from his parents. “My mom and pop had a grocery store in Seattle, and it was in a rough area—all the businesses around their store had been tagged or had their windows broken, except ours,” he recalled to me recently. “And there was a good reason for that. When someone came in hungry, my dad always gave them something to eat. That was a part of my upbringing, to be part of a community, not just a business in a community.” This grounding in humility and helpfulness informs every choice he makes, whether leading MG2 or giving back to the community. “Our mindset was never about the bottom line,” he says. For Jerry, success is measured by connection, impact, and the relationships we build along the way. He sees generosity not as an obligation, but as a source of mutual growth: “When you give, you get back more in return.” CREATE MOMENTUM BY HELPING Jerry’s propensity to connect with people is not just natural—it’s catalytic. Whether mentoring young architects, raising funds for cancer research, or spearheading community initiatives, he creates momentum simply by showing up and inviting others to do the same. On one long-discussed project in Seattle’s Chinatown/International District, he demonstrated this instinct in action: “A group approached us and asked if MG2 could help with the Chinatown Gate. They had been working on it for 50 years. Fifty years! Well, I said, ‘why don’t we just do it?’” He helped, raising funding from scratch, contributing pro bono work, and bringing a decades-long vision to life. This drive is rooted in the belief that leadership requires generosity, patience, and dedication. Jerry’s philosophy extends beyond business: It guides how he engages with the broader community. From the annual Rotisserie Chicken Delivery, our charitable drive that serves hundreds of chickens and fixings to people in need over the holidays, to that now historic Chinatown Gate, his initiative shows how small, deliberate acts can multiply into lasting impact. THE FOUNDATION OF GROWTH The impetus behind his commitment is deeply personal. Jerry has seen firsthand how loss and hardship shape character. He would be the first to tell you that in the beginning, he was a hard-driving CEO, which was reflected in the firm’s work culture. “I was very focused. It was stressful.” But that changed after his late wife was diagnosed with cancer. “I was able to put myself in other people’s shoes. That had a lot to do with it. I was a lot more understanding after she passed away,” he says. The work was never about recognition or accolades—it was about creating connection, fostering resilience, and leaving communities stronger than he found them. Every decision, every project, every moment of engagement is a chance to build something bigger than himself. In his own words, the practice of generosity, commitment, and courage isn’t optional—it’s the foundation of growth, both in business and in life. Taken together, Jerry’s story underscores a consistent throughline: Leadership, at its best, is relational rather than transactional. From lessons learned behind a grocery counter to building an international architecture firm and sustaining decades of civic engagement, his impact has come not from scale alone, but from intention—listening carefully, investing in people, and acting decisively when something meaningful needed to be done. Whether growing MG2 by empowering others or strengthening communities through quiet generosity, Jerry demonstrates that enduring success is built one connection at a time, guided by humility, trust, and a belief that what we give—our time, attention, and care—ultimately shapes the legacy we leave behind. Mitch Smith AIA, LEED AP is the CEO and chairman of MG2, an affiliate of Colliers Engineering & Design. View the full article

Earlier this year, financial technology company Block laid off 4,000 employees—around half the company’s workforce—in its push to embrace AI. Based on a recent interview, it seems like CEO Jack Dorsey has some more major changes in store for the company. And if true. . . he’ll have quite a few more performance reviews to fill out this year. In a recent episode of the Long Strange Trip podcast, Dorsey said he wants to cut middle management layers from five managers down to two or three this year. “In the most ideal case, you know, there is no layer,” he said in the podcast episode. “Everyone in the company reports to me, and that would be all 6,000 of the company. And that feels somewhat ridiculous when you consider the old structure, but when you consider that the majority of our work is going through this intelligence layer, it’s a lot more manageable.” The thousands of proposed direct reports aside—that’d be a lot of 1:1 check-ins—Dorsey describes a desire to “normalize down to just three [types of] roles.” First in Dorsey’s envisioned replacement structure are builders—those who work on the tools to build or operate the company. “They’re augmented, because they have access to agents, so one person can potentially do the work or explore the breadth that it would take a team or 10 people to do in the past,” he said. Then come the “Directly Responsible Individuals,” or employees who can strategize and understand customer outcomes. The last role would be what Dorsey calls a “player-coach”—basically what we consider managers today. He hopes that all of these roles would one day be able to report directly to him. Social media users were not exactly thrilled by Dorsey’s proposal that AI could outright replace middle managers. “So, the managers only exist to give employees someone to ‘report to’? That’s their only function?” one BlueSky user said. “They don’t actually DO anything, they’re just a big email in-box? Why even have a CEO, why not just let a bot run the whole shebang? Maybe the AI will decide to save costs by sacking all the employees.” “I know it wouldn’t ever happen in this scenario but god would it be funny to have Jack Dorsey write 6,000 performance reviews,” another user commented in the same thread. “Or deal with basic day-to-day employee relations issues. This is 100% a recipe for failure.” Others were less surprised by Dorsey’s statements, but similarly unenthused. “Basically, the only role that is indispensable is him,” a third person said. “This isn’t as innovative as he seems to think it is, it’s actually pretty standard tech CEO thinking.” After Block’s pandemic surge and before this year’s mass layoffs, the company’s stock has experienced a fair share of volatility. Last year, Block reported $24 billion revenue after its revenues missed Wall Street’s third-quarter expectations, resulting in company shares falling by as much as 14%. Earlier this year, Block stock surged by 20% following news of the company’s mass layoffs. Middle managers are already increasingly more burnt out these days, due to AI-related layoffs that gut organizational structure and lead them to having even more direct reports. But it sounds like Dorsey wants to do away with them altogether. In the same podcast episode, the billionaire Twitter cofounder admitted that he experienced “existential dread and also hope and optimism” in the last year. Under that pressure, Dorsey has taken extreme approaches to give the company what views as “the only durable structure” that he imagines could last “for quite some time.” And it doesn’t seem like the pace or scale of change will slow down anytime this year. View the full article

Half of Gen Z homeowners and 44% of millennial homeowners were at risk of missing at least one mortgage payment over the last two years, ServiceLink found. View the full article

A federal judge refused to sign a settlement agreement between the Department of Justice and Houston developer Colony Ridge because it failed to provide any consumer relief. DOJ agreed to an out-of-court settlement instead. View the full article

Federal Reserve Gov. Michael Barr said in a speech Tuesday that rapidly changing trade policies and conflict in the Middle East are straining rural communities by raising business operating costs. View the full article

Delta just unveiled the new version of its most premium seat, and it’s designed to let passengers stretch out just like they would in their bed at home. On April 13, the company announced that the “next generation” of its Delta One suites, which are made for long-haul international and domestic flights, will debut in early 2027 on new Airbus A350-1000 aircraft. The updated design will include a flat bed that’s been expanded by more than three inches, a custom cushion to act like an in-air mattress, and a new cubby to store shoes. Delta’s announcement comes just weeks after United (the second-largest airline by revenue behind only Delta itself) officially debuted its new Polaris Studio, an ultra-luxe seating option that’s 25% larger than its previous top-tier seat. Both of these moves are part of a broader focus on premiumization in the airline industry, aimed to attract and retain high-income fliers. As the sector’s biggest players double down on the most luxe in-flight experience possible, the race to design the most comfortable lie-back seat is officially on. Inside the airline industry’s ultra-premium seats race For the past several years, Delta has been on a mission to, as CEO Ed Bastian put it to Fast Company in 2024, “distinguish around service and having a premium brand.” So far, that effort is paying off: After the company began rolling out a more premium, redesigned cabin across its fleet in 2025, its total premium ticket revenue (which includes Delta First, Delta One, Delta Premium Select, Delta Comfort) was $22.1 billion, a 7% year-over-year increase, according to a press release. And in 2026, despite increased jet fuel prices due to the U.S.-Israel war in Iran, Delta hit a record March quarter revenue of $14.2 billion. The achievement was driven in large part by premium ticket revenue, which has almost overtaken the company’s main cabin revenue for the first time ever. It also recently raised checked bag fees. In an April interview with Fortune, Bastian explained, “Delta is not a low-cost airline. We can’t win by trying to provide the cheapest. We have to be able to win by providing the best.” Delta isn’t the only airline living by that philosophy. Recently, experts have posited that we’re squarely in the midst of a K-shaped economy—basically, an economic recovery model in which higher-income individuals rise while lower-income consumers fall behind. And, as Fast Company has written before, that trend is becoming increasingly glaring in the airline industry: At the same time that carriers are piling on heaps of added fees for lower-income fliers, they’re dedicating even more effort to making their “premium” seating more attractive to high-income customers. One way to do that is with new amenities, like luxury lounges and in-flight treats (both of which Delta has already invested in). Another is to double down on ultimate seat comfort—and several airlines have already made strides in that arena. In 2021, Jet Blue debuted new business class seats designed by a mattress start-up. United’s new Polaris Studio (available in ultra-limited quantities of eight to a plane) comes with expanded leg room, the largest touchscreen on any U.S. airline, and complementary caviar. This month, United also announced a new economy seat class, called Relax Row, that lets passengers lie back on a set of three seats with added bedding (for an extra cost). Now, Delta is catching up with its new Delta One suite design. Caviar is nice, but comfort is king Over the past few months, Delta has enticed customers to Delta One with a series of new airport lounges featuring steak tartare, shower suites, buffets, as well as in-flight perks like amenity bags and bedding designed by Missoni. All of those bells and whistles certainly can’t hurt—but the new Delta One suite design demonstrates that, at the end of the day, what passengers really want is a comfortable seat. “Customers are clear that comfort is their number one priority when flying Delta One—97% say Delta’s flat-bed is the reason for choosing the cabin,” Mauricio Parise, Delta’s vice president of Brand Experience, said in a press release. “This led us to a new design that, when combined with our current mattress pad and luxury bedding from Missoni, makes for an incomparable sleep at 30,000 feet.” The new suites deliver on what is probably the most oft-cited pain-point for fliers: leg and knee room. The lie-flat seat, designed in collaboration with the company Thompson Aero Seating, has been expanded by more than three inches, bringing its total length to more than six-and-a-half feet. According to Michael Steinfeld, Delta’s senior manager of onboard product, this modification was made specifically to help accommodate side-sleepers, which Delta’s research found make up most of the population. To accommodate this added room, Delta’s design team opted to arrange the suites in a reverse herringbone configuration, which maximizes the Airbus A350-1000’s wide floor plan. On top of the existing mattress pad and sheets, Delta designed a custom pillow-top cushion to make the seat feel more like an actual bed. “As we reviewed customer insights and pressure-mapping data from our existing Delta One seat cushions, we had an idea to design a plush top layer which can make the suite feel more like a bed, especially at the hips where most business class seats have a small gap between the back and bottom cushions,” Steinfeld says. Delta tested multiple prototypes of the design to ensure that the cushion would move and stretch with the seat during the flight. The spokesperson says the two-year design process involved a year of creating concept sketches and holding workshops, more than 40 development tests to validate the design, and multiple tests with employees to make sure that operational tasks like replacing components and programming seat controls ran smoothly. For a final test, Steinfeld’s team slept overnight in the seats before approving the design. As airlines battle it out for premium supremacy, the winner may not be which carrier can offer the most perks, but the one that can most accurately replicate passengers’ bedrooms for the skies. View the full article

When you’re contemplating Sterling for background checks, it’s vital to evaluate several key factors. Start with their expertise in various industries, which guarantees compliance and thoroughness. Next, reflect on how their customizable screening packages can meet your specific hiring needs. Don’t overlook the significance of technology integration with your HR systems, as it can lead to faster results. Finally, assess their customer support availability, important for a smooth process. With so much to deliberate, how do you guarantee you make the right choice? Key Takeaways Sterling has extensive experience in background screening since 1975, ensuring reliable and informed hiring decisions for various industries. Their customizable screening packages allow organizations to tailor services to meet specific industry requirements and compliance needs. Sterling integrates with HR systems, providing real-time data access and automated checks that deliver results faster than the industry average. Commitment to compliance with regulations like the Fair Credit Reporting Act ensures legal adherence and protects candidates’ rights during the background check process. Quality customer support is available during standard business hours, affecting the efficiency and overall experience of the background check process. Importance of Background Checks in Hiring When you’re hiring new employees, conducting background checks is vital for making informed decisions. These checks help mitigate risks associated with hiring individuals with criminal backgrounds, which can include safety, financial, and reputational risks. Research shows that about 80% of background checks uncover issues that interviews alone wouldn’t reveal, highlighting their significance. In industries like healthcare and finance, criminal background checks are especially important, as they protect vulnerable populations and sensitive information. Moreover, enhancing workplace safety is a key benefit, with 15% of employers indicating that these checks are imperative for a secure environment. If you encounter a failed Sterling background check, it’s important to understand the implications for your hiring process. Furthermore, compliance with regulations like the Fair Credit Reporting Act (FCRA) guarantees you’re obtaining written consent and allowing individuals to dispute inaccuracies, further safeguarding your hiring practices. Understanding Sterling’s Specialized Expertise Grasping the importance of background checks in the hiring process highlights the need for specialized expertise in this area. Sterling has been a leader in background screening since 1975, providing customized services that meet the unique demands of various industries. Their suite of offerings includes criminal record checks, employment and education verification, and drug testing, ensuring extensive coverage for your hiring needs. Sterling’s commitment to compliance means their checks adhere to legal regulations, such as the Fair Credit Reporting Act (FCRA), so you can trust the legality of their processes. Utilizing advanced technology, Sterling improves the accuracy and efficiency of reports. If you’re wondering how long do Sterling background checks take, the answer typically depends on the complexity of the check, but their streamlined approach often results in timely deliverables. Their expertise is particularly crucial in sensitive sectors like healthcare and finance, where thorough scrutiny is necessary. Evaluating Customer Support and Availability Evaluating customer support and availability is crucial when choosing a background check provider like Sterling. Although they offer various resources, they don’t guarantee 24/7 customer support, which some competitors do. Here are key factors to evaluate: Support Hours: Sterling provides assistance during standard business hours, with limited after-hours availability. Response Channels: You can reach out via phone or email, ensuring you can get help when needed. Response Times: Assess how quickly Sterling responds to inquiries, as this can affect your experience during checking the sterling check status. Quality of Service: Reflect on the quality of customer service, as effective support can streamline the background check process. Flexibility of Screening Packages As organizations seek effective solutions for employee screening, the flexibility of Sterling’s screening packages stands out as a significant advantage. When you choose to evaluate a Sterling background check, you’ll find customizable options customized to meet the specific needs of various industries. This flexibility allows you to define the scope of background checks based on job roles, guaranteeing alignment with your organizational goals. Sterling offers an extensive range of services, including employment and education verification, drug testing, and credit history reports. You can select different levels of screening depth, from national to state and county-level checks, providing a customized approach that meets compliance standards. Moreover, Sterling’s commitment to adapting its packages guarantees your business stays compliant with evolving laws and regulations, effectively managing hiring risks. This adaptability makes Sterling an ideal choice for organizations looking to improve their background check processes. Technology Integration With HR Systems When you integrate Sterling’s background check solutions with your HR systems, you streamline the hiring process considerably. This integration improves efficiency and reduces the administrative workload for your HR team. Here are some key benefits: Seamless Compatibility: Sterling’s platforms work well with various ATS and HRIS systems, making it easy to connect. Real-Time Updates: You gain access to real-time data, allowing for prompt decision-making during hiring. Faster Results: Sterling automates background checks, delivering results 2-4 times faster than the industry average. Compliance Assurance: Their technology helps guarantee adherence to federal and state regulations, minimizing legal risks. To access these features, simply log in to your sterlingbackcheck login. Frequently Asked Questions What Are They Looking for in a Sterling Background Check? In a Sterling background check, you’re looking for a thorough assessment of an individual’s criminal history, including searches of county, state, and federal databases. You’ll additionally verify employment history to guarantee accuracy, concurrently checking local, state, and national sex offender registries for safety. Typically, results are available within 1 to 5 business days, and Sterling adheres to regulations by checking criminal records from the past seven years, confirming compliance with laws. What Does Consider Mean on a Sterling Background Check? On a Sterling background check, “consider” refers to findings that might impact your hiring decision, especially regarding criminal history. When you see “consider,” it indicates you should evaluate the relevance of those findings to the job role. You’ll need to assess the nature of the offense, the time since it occurred, and the candidate’s qualifications. What Is the Best Company to Use for a Background Check? When deciding on the best company for a background check, consider a provider’s efficiency, range of services, and compliance with legal standards. Look for a company that offers quick turnaround times and exhaustive reports, including criminal records and employment verification. Sterling stands out in these areas, utilizing advanced technology for faster results and ensuring adherence to the Fair Credit Reporting Act, making it a reliable choice for thorough candidate vetting. What Is the Hardest Background Check to Pass? The hardest background check to pass often involves an extensive criminal history investigation. These checks scrutinize records from various sources, including county, state, and federal databases, revealing past felonies, misdemeanors, and arrests. Additionally, checks can extend beyond the standard 7-year lookback period, unearthing older offenses. If you’ve had multiple issues, the scrutiny can increase, especially with AI’s role in identifying even minor discrepancies, complicating your chances of passing the check successfully. Conclusion When choosing Sterling for background checks, it’s essential to take into account their expertise, customizable screening options, and technology integration with HR systems. Furthermore, assess the quality of their customer support, as it can improve the efficiency of your hiring process. By evaluating these factors, you’ll guarantee a thorough and compliant screening process that aligns with your organization’s specific needs, ultimately leading to more informed hiring decisions that benefit your company in the long run. Image via Google Gemini and ArtSmart This article, "What to Consider When Choosing Sterling for Background Checks?" was first published on Small Business Trends View the full article

When you’re contemplating Sterling for background checks, it’s vital to evaluate several key factors. Start with their expertise in various industries, which guarantees compliance and thoroughness. Next, reflect on how their customizable screening packages can meet your specific hiring needs. Don’t overlook the significance of technology integration with your HR systems, as it can lead to faster results. Finally, assess their customer support availability, important for a smooth process. With so much to deliberate, how do you guarantee you make the right choice? Key Takeaways Sterling has extensive experience in background screening since 1975, ensuring reliable and informed hiring decisions for various industries. Their customizable screening packages allow organizations to tailor services to meet specific industry requirements and compliance needs. Sterling integrates with HR systems, providing real-time data access and automated checks that deliver results faster than the industry average. Commitment to compliance with regulations like the Fair Credit Reporting Act ensures legal adherence and protects candidates’ rights during the background check process. Quality customer support is available during standard business hours, affecting the efficiency and overall experience of the background check process. Importance of Background Checks in Hiring When you’re hiring new employees, conducting background checks is vital for making informed decisions. These checks help mitigate risks associated with hiring individuals with criminal backgrounds, which can include safety, financial, and reputational risks. Research shows that about 80% of background checks uncover issues that interviews alone wouldn’t reveal, highlighting their significance. In industries like healthcare and finance, criminal background checks are especially important, as they protect vulnerable populations and sensitive information. Moreover, enhancing workplace safety is a key benefit, with 15% of employers indicating that these checks are imperative for a secure environment. If you encounter a failed Sterling background check, it’s important to understand the implications for your hiring process. Furthermore, compliance with regulations like the Fair Credit Reporting Act (FCRA) guarantees you’re obtaining written consent and allowing individuals to dispute inaccuracies, further safeguarding your hiring practices. Understanding Sterling’s Specialized Expertise Grasping the importance of background checks in the hiring process highlights the need for specialized expertise in this area. Sterling has been a leader in background screening since 1975, providing customized services that meet the unique demands of various industries. Their suite of offerings includes criminal record checks, employment and education verification, and drug testing, ensuring extensive coverage for your hiring needs. Sterling’s commitment to compliance means their checks adhere to legal regulations, such as the Fair Credit Reporting Act (FCRA), so you can trust the legality of their processes. Utilizing advanced technology, Sterling improves the accuracy and efficiency of reports. If you’re wondering how long do Sterling background checks take, the answer typically depends on the complexity of the check, but their streamlined approach often results in timely deliverables. Their expertise is particularly crucial in sensitive sectors like healthcare and finance, where thorough scrutiny is necessary. Evaluating Customer Support and Availability Evaluating customer support and availability is crucial when choosing a background check provider like Sterling. Although they offer various resources, they don’t guarantee 24/7 customer support, which some competitors do. Here are key factors to evaluate: Support Hours: Sterling provides assistance during standard business hours, with limited after-hours availability. Response Channels: You can reach out via phone or email, ensuring you can get help when needed. Response Times: Assess how quickly Sterling responds to inquiries, as this can affect your experience during checking the sterling check status. Quality of Service: Reflect on the quality of customer service, as effective support can streamline the background check process. Flexibility of Screening Packages As organizations seek effective solutions for employee screening, the flexibility of Sterling’s screening packages stands out as a significant advantage. When you choose to evaluate a Sterling background check, you’ll find customizable options customized to meet the specific needs of various industries. This flexibility allows you to define the scope of background checks based on job roles, guaranteeing alignment with your organizational goals. Sterling offers an extensive range of services, including employment and education verification, drug testing, and credit history reports. You can select different levels of screening depth, from national to state and county-level checks, providing a customized approach that meets compliance standards. Moreover, Sterling’s commitment to adapting its packages guarantees your business stays compliant with evolving laws and regulations, effectively managing hiring risks. This adaptability makes Sterling an ideal choice for organizations looking to improve their background check processes. Technology Integration With HR Systems When you integrate Sterling’s background check solutions with your HR systems, you streamline the hiring process considerably. This integration improves efficiency and reduces the administrative workload for your HR team. Here are some key benefits: Seamless Compatibility: Sterling’s platforms work well with various ATS and HRIS systems, making it easy to connect. Real-Time Updates: You gain access to real-time data, allowing for prompt decision-making during hiring. Faster Results: Sterling automates background checks, delivering results 2-4 times faster than the industry average. Compliance Assurance: Their technology helps guarantee adherence to federal and state regulations, minimizing legal risks. To access these features, simply log in to your sterlingbackcheck login. Frequently Asked Questions What Are They Looking for in a Sterling Background Check? In a Sterling background check, you’re looking for a thorough assessment of an individual’s criminal history, including searches of county, state, and federal databases. You’ll additionally verify employment history to guarantee accuracy, concurrently checking local, state, and national sex offender registries for safety. Typically, results are available within 1 to 5 business days, and Sterling adheres to regulations by checking criminal records from the past seven years, confirming compliance with laws. What Does Consider Mean on a Sterling Background Check? On a Sterling background check, “consider” refers to findings that might impact your hiring decision, especially regarding criminal history. When you see “consider,” it indicates you should evaluate the relevance of those findings to the job role. You’ll need to assess the nature of the offense, the time since it occurred, and the candidate’s qualifications. What Is the Best Company to Use for a Background Check? When deciding on the best company for a background check, consider a provider’s efficiency, range of services, and compliance with legal standards. Look for a company that offers quick turnaround times and exhaustive reports, including criminal records and employment verification. Sterling stands out in these areas, utilizing advanced technology for faster results and ensuring adherence to the Fair Credit Reporting Act, making it a reliable choice for thorough candidate vetting. What Is the Hardest Background Check to Pass? The hardest background check to pass often involves an extensive criminal history investigation. These checks scrutinize records from various sources, including county, state, and federal databases, revealing past felonies, misdemeanors, and arrests. Additionally, checks can extend beyond the standard 7-year lookback period, unearthing older offenses. If you’ve had multiple issues, the scrutiny can increase, especially with AI’s role in identifying even minor discrepancies, complicating your chances of passing the check successfully. Conclusion When choosing Sterling for background checks, it’s essential to take into account their expertise, customizable screening options, and technology integration with HR systems. Furthermore, assess the quality of their customer support, as it can improve the efficiency of your hiring process. By evaluating these factors, you’ll guarantee a thorough and compliant screening process that aligns with your organization’s specific needs, ultimately leading to more informed hiring decisions that benefit your company in the long run. Image via Google Gemini and ArtSmart This article, "What to Consider When Choosing Sterling for Background Checks?" was first published on Small Business Trends View the full article

Comprehending the current small business tax rates is essential for managing your finances effectively. C corporations face a flat federal tax rate of 21%, but they deal with double taxation on dividends. Conversely, pass-through entities like LLCs and S corporations are taxed based on the owner’s personal income tax rate, which can range from 10% to 37%. This distinction is significant, especially when considering potential deductions. What other factors might influence your tax strategy? Key Takeaways C corporations face a flat federal tax rate of 21% on profits as per the Tax Cuts and Jobs Act of 2017. Pass-through entities, including LLCs, are taxed at the owner’s personal income tax rate, ranging from 10% to 37% as of 2025. State corporate tax rates vary; for example, Florida and Texas have a 0% rate, while California has an 8.84% rate. Pass-through entities can benefit from the Qualified Business Income deduction, potentially lowering their effective tax rate by up to 20%. Tax obligations also include sales tax, property tax, and compliance with local laws, which can vary significantly by state. Understanding Small Business Tax Rates Regarding comprehending small business tax rates, it’s essential to recognize the different structures that affect how taxes are levied. For instance, C corporations face a flat federal tax rate of 21% on profits. Nonetheless, keep in mind that dividends distributed to shareholders may be subject to double taxation. Conversely, pass-through entities, such as sole proprietorships, partnerships, and S corporations, are taxed at the owner’s personal income tax rate, which ranges from 10% to 37%. The Texas corporate tax rate, meanwhile, plays a role in determining your overall state liability. If you operate as an LLC, you can choose to be taxed as either a pass-through entity or a C corporation, which can greatly impact your tax obligations. Moreover, the Qualified Business Income (QBI) deduction allows eligible pass-through entity owners to deduct up to 20% of their qualified business income, providing potential tax savings. Federal Tax Rates for Small Businesses How do federal tax rates impact small businesses? Comprehending these rates is essential for your financial planning. Small businesses primarily fall into two categories: C corporations and pass-through entities. C corporations face a flat federal tax rate of 21%, established by the Tax Cuts and Jobs Act of 2017. Pass-through entities, including sole proprietorships, partnerships, and S corporations, are taxed based on individual income tax rates, which range from 10% to 37% as of 2025. The Qualified Business Income (QBI) deduction allows eligible owners to deduct up to 20% of their qualified business income. Individual tax brackets for pass-through entities may expire in 2025, possibly increasing tax burdens. Limited liability companies (LLCs) can choose to be taxed as either a pass-through entity or a C corporation, offering flexibility. State Tax Rates for Small Businesses State tax rates play a crucial role in the financial terrain for small businesses across the United States. These rates can vary considerably, with some states like Florida and Texas imposing a 0% corporate income tax, whereas others, such as New Jersey, can charge up to 11.5%. As of 2025, 44 states levy a corporate income tax, with California at 8.84% and New York ranging from 6.50% to 7.25%, depending on income levels. If you operate a pass-through entity, be aware that state income tax rates can range from 0% to 13.30%, influenced by your income bracket. Furthermore, some states offer special business tax rates or exemptions; for instance, Washington’s capital gains tax targets only high-income earners. Finally, local tax rates may further complicate your tax obligations, as these can vary widely even within the same state. Corporate Tax Rates vs. Pass-Through Entities When considering business structures, you’ll find that C corporations pay a flat federal tax rate of 21% on their profits, which can lead to double taxation when dividends are distributed. Conversely, pass-through entities like sole proprietorships and S corporations report income on their owners’ personal tax returns, facing individual tax rates that range from 10% to 37%. This distinction not only influences how much tax you pay but likewise highlights the potential benefits of the Qualified Business Income deduction, which allows eligible pass-through owners to reduce their taxable income by up to 20%. C Corporation Tax Rate Even though C corporations offer certain advantages, they come with a distinct tax structure that separates them from pass-through entities like sole proprietorships and partnerships. C corporations face a flat federal corporate tax rate of 21% on taxable income, a rate set by the Tax Cuts and Jobs Act of 2018. This tax structure can lead to double taxation, where profits are taxed at both the corporate and individual levels when dividends are distributed. Here are some key points to take into account: C corporations file Form 1120 for tax reporting. Individual tax rates for pass-through entities range from 10% to 37%. Eligible pass-through owners may benefit from the QBI deduction. C corporations don’t receive the QBI deduction. Shareholders may see reduced returns because of double taxation. Pass-Through Entity Taxation Pass-through entities, such as sole proprietorships, partnerships, LLCs, and S corporations, offer a distinct advantage in taxation compared to C corporations, primarily since they allow business income to be taxed at the owner’s personal income tax rate, which can range from 10% to 37%. Unlike C corporations, which face a flat federal tax rate of 21% and potential double taxation on dividends, pass-through entities avoid corporate income tax obligations. Moreover, owners can benefit from the Qualified Business Income (QBI) deduction, allowing for a deduction of up to 20% of their business income, which can lower their effective tax rate. State income tax rates for pass-through entities vary greatly, impacting overall tax liabilities. Sales and Use Taxes for Small Businesses Sales and use taxes play a fundamental role in the operations of small businesses, as these taxes directly impact pricing and profitability. Comprehending these taxes is vital for your business’s compliance and success. Here are some key points to reflect upon: Sales tax is a percentage added to the sale price of taxable goods and services, collected from customers and remitted to state authorities. Base sales tax rates vary by state; for example, California has a base rate of 7.25%, whereas Texas has 6.25%. Use taxes apply to out-of-state purchases made for business, ensuring local businesses aren’t disadvantaged by online sales. You must register with your state tax agency to collect sales tax and may need to file returns monthly or quarterly. Failing to collect or remit these taxes can lead to penalties and interest charges from state authorities. Stay informed to navigate these requirements effectively. Payroll Tax Obligations When running a small business, comprehension of payroll tax obligations is essential to maintaining compliance and avoiding potential penalties. As an employer, you’re responsible for federal payroll taxes, including FICA taxes that total 15.3% of gross earnings. You’ll withhold 7.65% from your employees’ paychecks and match this amount. Remember, the Social Security tax applies only to the first $168,600 of earnings in 2024. Additionally, you must contribute 6% under the Federal Unemployment Tax (FUTA) on the first $7,000 paid to each employee, though many states provide credits that can lower this rate. Don’t forget about state and local payroll taxes, which can vary widely. You’ll need to file payroll tax returns quarterly and annually, adhering to specific due dates to avoid penalties. Staying organized and informed about these obligations is essential for your business’s financial health. How to Calculate Small Business Taxes Calculating small business taxes involves several key steps to guarantee accuracy and compliance. Start by determining your taxable income, which is your total revenue minus all allowable business expenses, deductions, and credits. Depending on your business structure, the tax rate will vary. Here are the main steps to follow: Calculate total revenue: Add up all income from sales and services. Subtract business expenses: Deduct costs like rent, salaries, and supplies. Determine taxable income: Total revenue minus expenses gives you this figure. Identify your tax rate: C corporations face a flat 21% rate, whereas pass-through entities are taxed at individual rates from 10% to 37%. Consider the QBI deduction: Eligible pass-through owners can reduce taxable income by up to 20%. Accurate record-keeping is crucial for ensuring all deductions are accounted for, minimizing your taxable income effectively. Common Deductions for Small Businesses When running a small business, knowing about common deductions can greatly impact your tax bill. You can claim expenses like home office costs, vehicle expenses, and general business expenses, which help reduce your taxable income. Comprehending these deductions allows you to keep more money in your pocket as well as ensuring compliance with tax regulations. Business Expenses Deduction How can small businesses effectively manage their expenses to optimize tax deductions? By grasping common deductible expenses, you can lower your taxable income. Here are key areas to reflect upon: Rent and utilities: Costs for your business space and vital services. Office supplies: Everyday items needed to run your operations. Business travel: Expenses for trips related to your business activities. Meals and entertainment: Typically deductible at 50%, these can add up during client meetings. Employee costs: Salaries, wages, and benefits, including health insurance premiums. Additionally, take advantage of Section 179, which allows you to deduct the full purchase price of qualifying equipment and software in the year they’re used, maximizing your tax savings. Home Office Deduction Managing a small business from home can offer flexibility and convenience; it furthermore opens the door to potential tax savings through the home office deduction. This deduction allows you to deduct a portion of your home expenses, like mortgage interest, rent, utilities, and insurance, based on the percentage of your home used for business. To qualify, the space must be used regularly and exclusively for business activities. In 2025, you can choose between the simplified method, which deducts $5 per square foot for up to 300 square feet, or the actual expense method, which requires detailed record-keeping. Maintaining accurate records is vital to guarantee compliance with IRS requirements when claiming this valuable deduction, finally reducing your tax liability. Vehicle Expenses Deduction After exploring the home office deduction, it’s important to contemplate another significant area of tax savings for small businesses: vehicle expenses. You can deduct vehicle expenses using either the standard mileage rate of 65.5 cents per mile for 2023 or the actual expense method, which includes costs like gas, maintenance, and depreciation. To qualify, guarantee your vehicle is used for business purposes and keep accurate records. The IRS requires documentation, such as a mileage log detailing: Date of travel Destination Purpose of the trip Miles driven Expenses incurred For vehicles used exclusively for business, all actual expenses are deductible. Mixed-use vehicles require you to allocate between personal and business use, making record-keeping crucial for maximizing your deductions. Tax Credits Available for Small Businesses Tax credits can play a crucial role in reducing the tax burden for small businesses, especially when you consider the various options available. One significant credit is the Work Opportunity Tax Credit (WOTC), which offers up to $2,400 for each eligible employee hired from targeted groups. If your business engages in research, the Research and Development (R&D) Tax Credit can provide a percentage back on qualifying research expenses. Small businesses with fewer than 25 full-time employees might benefit from the Small Business Health Care Tax Credit, covering up to 50% of health insurance premiums. Furthermore, investing in renewable energy could make you eligible for the Investment Tax Credit (ITC), which grants a 26% credit on solar energy system costs. Finally, if you provide paid family and medical leave, the Paid Family and Medical Leave Tax Credit allows you to claim up to 25% of the wages paid during this leave. Managing and Reducing Tax Liability Managing and reducing your tax liability is essential for the success of your small business. By effectively deducting ordinary business expenses and implementing strategic tax planning, you can greatly lower your taxable income and keep more money in your pocket. It’s important to stay organized and informed about available deductions, as this knowledge can directly impact your bottom line. Effective Expense Deductions Effective expense deductions play a crucial role in managing your small business’s tax liability, as they allow you to lower your taxable income by claiming various ordinary and necessary business expenses. To maximize these deductions, consider the following: Office supplies: Items like pens, paper, and printers can be deducted. Marketing costs: Advertising expenses can reduce your taxable income. Travel expenses: Costs associated with business travel are deductible. Home office deduction: If you use part of your home for business, you can claim related expenses. Retirement plan contributions: Contributions to plans like 401(k)s or SEP IRAs are tax-deductible. Keep accurate records to substantiate your claims, ensuring you maximize your potential deductions during tax filing. Strategic Tax Planning While small business owners often focus on daily operations, strategic tax planning is essential for minimizing tax liability and enhancing profitability. First, identify your business structure, as this affects your tax rates and obligations. If you’re a pass-through entity, consider utilizing the Qualified Business Income deduction, which allows you to deduct up to 20% of your qualified business income. Regularly review your financial records and consult tax professionals to uncover missed deductions and credits. Implement automated tools for expense tracking to streamline compliance and maximize deductions. Finally, take advantage of deductible business expenses, including home office costs, equipment purchases under Section 179, and retirement contributions, as these can greatly lower your taxable income and overall tax liability. Common Tax Mistakes to Avoid When running a small business, it’s crucial to be aware of common tax mistakes that can lead to costly consequences. Avoiding these pitfalls can save you money and guarantee compliance with tax regulations. Here are some mistakes to watch out for: Misclassifying employees as independent contractors can trigger IRS penalties. Missing filing or payment deadlines may result in hefty interest charges. Overlooking deductible expenses, such as home office costs or health insurance premiums, can inflate your taxable income. Inadequate recordkeeping leads to inaccurate tax reporting, complicating compliance efforts. Failing to consult a tax professional can cause you to miss valuable deductions and credits, like the Qualified Business Income deduction. Additional Taxes for Small Businesses As you navigate the intricacies of running a small business, it’s important to recognize that your tax obligations extend beyond just the income tax rate. In addition to that, you’ll face various additional taxes. Payroll taxes, which include Social Security and Medicare contributions, total 15.3% of eligible gross earnings, split evenly between you and your employees. Depending on your business, you might likewise need to pay excise taxes on specific goods and services like alcohol or gasoline. Sales tax, a percentage added to taxable goods and services, must be collected and remitted in most states, with rates varying greatly. Use taxes may apply on out-of-state purchases for business purposes, ensuring compliance with local tax laws. Finally, property taxes could be levied on real estate or equipment owned by your business, with rates differing by location and assessed value. Staying informed about these obligations is vital for successful financial management. E-Commerce and International Tax Considerations Maneuvering the tax terrain becomes even more complex when you’re operating an e-commerce business or engaging in international trade. You need to be aware of various regulations that can greatly impact your operations. Here are key considerations: Nexus laws determine tax obligations based on your physical or economic presence in a state, possibly requiring sales tax collection across multiple jurisdictions. The 2018 Supreme Court decision in South Dakota v. Wayfair allows states to tax e-commerce sales from out-of-state sellers. Businesses selling digital goods face varying state tax treatments; some states impose sales tax, whereas others do not. International operations require compliance with the Foreign Account Tax Compliance Act (FATCA) and managing foreign tax credits to avoid double taxation. The Global Intangible Low-Taxed Income (GILTI) provision affects how U.S. companies with foreign subsidiaries report income, influencing tax strategies in international e-commerce. Frequently Asked Questions What Is the Current Small Business Tax Rate? The current small business tax rate varies based on the business structure. C corporations face a flat federal tax rate of 21%. On the other hand, if you operate as a pass-through entity, like a sole proprietorship or S corporation, you’ll pay taxes at your individual income tax rate, which ranges from 10% to 37%. In addition, if your business qualifies, you could benefit from the Qualified Business Income deduction, lowering your effective tax burden. Are All Corporations Taxed at 21%? Not all corporations are taxed at the flat 21% rate. This rate applies particularly to C corporations, which file Form 1120 to report income and expenses. Conversely, S corporations and partnerships are pass-through entities, taxed at the owners’ personal income tax rates instead. Furthermore, large corporations with average adjusted financial statement income over $1 billion may face an alternative minimum tax of 15%, adding complexity to corporate taxation. Is Self-Employment Tax 15% or 30%? The self-employment tax is 15.3%, not 15% or 30%. This rate includes 12.4% for Social Security and 2.9% for Medicare on your net earnings. For the 2024 tax year, only the first $168,600 of your earnings is subject to the Social Security portion, whereas all your net earnings face the Medicare rate. If you earn over certain thresholds, an additional 0.9% Medicare tax may apply. You can deduct half of this tax when calculating your taxable income. How Much Do Small Businesses Get Taxed? Small businesses face varying tax rates based on their structure. If you operate a C corporation, you’re taxed at a flat federal rate of 21% on profits. For pass-through entities, like sole proprietorships or partnerships, tax rates align with your personal income tax, ranging from 10% to 37%. Furthermore, you must account for state corporate taxes and payroll taxes, which can greatly affect your overall tax liability. Always consult a tax professional for specific advice. Conclusion Grasping small business tax rates is essential for effective financial management. With C corporations facing a flat 21% federal tax rate and pass-through entities taxed at personal income rates, your business structure profoundly impacts your tax liability. Moreover, state taxes and various deductions can further influence your overall tax situation. By staying informed and avoiding common mistakes, you can better manage your tax obligations and potentially reduce your liabilities, ensuring your business remains financially healthy. Image via Google Gemini and ArtSmart This article, "Current Small Business Company Tax Rate" was first published on Small Business Trends View the full article

Comprehending the current small business tax rates is essential for managing your finances effectively. C corporations face a flat federal tax rate of 21%, but they deal with double taxation on dividends. Conversely, pass-through entities like LLCs and S corporations are taxed based on the owner’s personal income tax rate, which can range from 10% to 37%. This distinction is significant, especially when considering potential deductions. What other factors might influence your tax strategy? Key Takeaways C corporations face a flat federal tax rate of 21% on profits as per the Tax Cuts and Jobs Act of 2017. Pass-through entities, including LLCs, are taxed at the owner’s personal income tax rate, ranging from 10% to 37% as of 2025. State corporate tax rates vary; for example, Florida and Texas have a 0% rate, while California has an 8.84% rate. Pass-through entities can benefit from the Qualified Business Income deduction, potentially lowering their effective tax rate by up to 20%. Tax obligations also include sales tax, property tax, and compliance with local laws, which can vary significantly by state. Understanding Small Business Tax Rates Regarding comprehending small business tax rates, it’s essential to recognize the different structures that affect how taxes are levied. For instance, C corporations face a flat federal tax rate of 21% on profits. Nonetheless, keep in mind that dividends distributed to shareholders may be subject to double taxation. Conversely, pass-through entities, such as sole proprietorships, partnerships, and S corporations, are taxed at the owner’s personal income tax rate, which ranges from 10% to 37%. The Texas corporate tax rate, meanwhile, plays a role in determining your overall state liability. If you operate as an LLC, you can choose to be taxed as either a pass-through entity or a C corporation, which can greatly impact your tax obligations. Moreover, the Qualified Business Income (QBI) deduction allows eligible pass-through entity owners to deduct up to 20% of their qualified business income, providing potential tax savings. Federal Tax Rates for Small Businesses How do federal tax rates impact small businesses? Comprehending these rates is essential for your financial planning. Small businesses primarily fall into two categories: C corporations and pass-through entities. C corporations face a flat federal tax rate of 21%, established by the Tax Cuts and Jobs Act of 2017. Pass-through entities, including sole proprietorships, partnerships, and S corporations, are taxed based on individual income tax rates, which range from 10% to 37% as of 2025. The Qualified Business Income (QBI) deduction allows eligible owners to deduct up to 20% of their qualified business income. Individual tax brackets for pass-through entities may expire in 2025, possibly increasing tax burdens. Limited liability companies (LLCs) can choose to be taxed as either a pass-through entity or a C corporation, offering flexibility. State Tax Rates for Small Businesses State tax rates play a crucial role in the financial terrain for small businesses across the United States. These rates can vary considerably, with some states like Florida and Texas imposing a 0% corporate income tax, whereas others, such as New Jersey, can charge up to 11.5%. As of 2025, 44 states levy a corporate income tax, with California at 8.84% and New York ranging from 6.50% to 7.25%, depending on income levels. If you operate a pass-through entity, be aware that state income tax rates can range from 0% to 13.30%, influenced by your income bracket. Furthermore, some states offer special business tax rates or exemptions; for instance, Washington’s capital gains tax targets only high-income earners. Finally, local tax rates may further complicate your tax obligations, as these can vary widely even within the same state. Corporate Tax Rates vs. Pass-Through Entities When considering business structures, you’ll find that C corporations pay a flat federal tax rate of 21% on their profits, which can lead to double taxation when dividends are distributed. Conversely, pass-through entities like sole proprietorships and S corporations report income on their owners’ personal tax returns, facing individual tax rates that range from 10% to 37%. This distinction not only influences how much tax you pay but likewise highlights the potential benefits of the Qualified Business Income deduction, which allows eligible pass-through owners to reduce their taxable income by up to 20%. C Corporation Tax Rate Even though C corporations offer certain advantages, they come with a distinct tax structure that separates them from pass-through entities like sole proprietorships and partnerships. C corporations face a flat federal corporate tax rate of 21% on taxable income, a rate set by the Tax Cuts and Jobs Act of 2018. This tax structure can lead to double taxation, where profits are taxed at both the corporate and individual levels when dividends are distributed. Here are some key points to take into account: C corporations file Form 1120 for tax reporting. Individual tax rates for pass-through entities range from 10% to 37%. Eligible pass-through owners may benefit from the QBI deduction. C corporations don’t receive the QBI deduction. Shareholders may see reduced returns because of double taxation. Pass-Through Entity Taxation Pass-through entities, such as sole proprietorships, partnerships, LLCs, and S corporations, offer a distinct advantage in taxation compared to C corporations, primarily since they allow business income to be taxed at the owner’s personal income tax rate, which can range from 10% to 37%. Unlike C corporations, which face a flat federal tax rate of 21% and potential double taxation on dividends, pass-through entities avoid corporate income tax obligations. Moreover, owners can benefit from the Qualified Business Income (QBI) deduction, allowing for a deduction of up to 20% of their business income, which can lower their effective tax rate. State income tax rates for pass-through entities vary greatly, impacting overall tax liabilities. Sales and Use Taxes for Small Businesses Sales and use taxes play a fundamental role in the operations of small businesses, as these taxes directly impact pricing and profitability. Comprehending these taxes is vital for your business’s compliance and success. Here are some key points to reflect upon: Sales tax is a percentage added to the sale price of taxable goods and services, collected from customers and remitted to state authorities. Base sales tax rates vary by state; for example, California has a base rate of 7.25%, whereas Texas has 6.25%. Use taxes apply to out-of-state purchases made for business, ensuring local businesses aren’t disadvantaged by online sales. You must register with your state tax agency to collect sales tax and may need to file returns monthly or quarterly. Failing to collect or remit these taxes can lead to penalties and interest charges from state authorities. Stay informed to navigate these requirements effectively. Payroll Tax Obligations When running a small business, comprehension of payroll tax obligations is essential to maintaining compliance and avoiding potential penalties. As an employer, you’re responsible for federal payroll taxes, including FICA taxes that total 15.3% of gross earnings. You’ll withhold 7.65% from your employees’ paychecks and match this amount. Remember, the Social Security tax applies only to the first $168,600 of earnings in 2024. Additionally, you must contribute 6% under the Federal Unemployment Tax (FUTA) on the first $7,000 paid to each employee, though many states provide credits that can lower this rate. Don’t forget about state and local payroll taxes, which can vary widely. You’ll need to file payroll tax returns quarterly and annually, adhering to specific due dates to avoid penalties. Staying organized and informed about these obligations is essential for your business’s financial health. How to Calculate Small Business Taxes Calculating small business taxes involves several key steps to guarantee accuracy and compliance. Start by determining your taxable income, which is your total revenue minus all allowable business expenses, deductions, and credits. Depending on your business structure, the tax rate will vary. Here are the main steps to follow: Calculate total revenue: Add up all income from sales and services. Subtract business expenses: Deduct costs like rent, salaries, and supplies. Determine taxable income: Total revenue minus expenses gives you this figure. Identify your tax rate: C corporations face a flat 21% rate, whereas pass-through entities are taxed at individual rates from 10% to 37%. Consider the QBI deduction: Eligible pass-through owners can reduce taxable income by up to 20%. Accurate record-keeping is crucial for ensuring all deductions are accounted for, minimizing your taxable income effectively. Common Deductions for Small Businesses When running a small business, knowing about common deductions can greatly impact your tax bill. You can claim expenses like home office costs, vehicle expenses, and general business expenses, which help reduce your taxable income. Comprehending these deductions allows you to keep more money in your pocket as well as ensuring compliance with tax regulations. Business Expenses Deduction How can small businesses effectively manage their expenses to optimize tax deductions? By grasping common deductible expenses, you can lower your taxable income. Here are key areas to reflect upon: Rent and utilities: Costs for your business space and vital services. Office supplies: Everyday items needed to run your operations. Business travel: Expenses for trips related to your business activities. Meals and entertainment: Typically deductible at 50%, these can add up during client meetings. Employee costs: Salaries, wages, and benefits, including health insurance premiums. Additionally, take advantage of Section 179, which allows you to deduct the full purchase price of qualifying equipment and software in the year they’re used, maximizing your tax savings. Home Office Deduction Managing a small business from home can offer flexibility and convenience; it furthermore opens the door to potential tax savings through the home office deduction. This deduction allows you to deduct a portion of your home expenses, like mortgage interest, rent, utilities, and insurance, based on the percentage of your home used for business. To qualify, the space must be used regularly and exclusively for business activities. In 2025, you can choose between the simplified method, which deducts $5 per square foot for up to 300 square feet, or the actual expense method, which requires detailed record-keeping. Maintaining accurate records is vital to guarantee compliance with IRS requirements when claiming this valuable deduction, finally reducing your tax liability. Vehicle Expenses Deduction After exploring the home office deduction, it’s important to contemplate another significant area of tax savings for small businesses: vehicle expenses. You can deduct vehicle expenses using either the standard mileage rate of 65.5 cents per mile for 2023 or the actual expense method, which includes costs like gas, maintenance, and depreciation. To qualify, guarantee your vehicle is used for business purposes and keep accurate records. The IRS requires documentation, such as a mileage log detailing: Date of travel Destination Purpose of the trip Miles driven Expenses incurred For vehicles used exclusively for business, all actual expenses are deductible. Mixed-use vehicles require you to allocate between personal and business use, making record-keeping crucial for maximizing your deductions. Tax Credits Available for Small Businesses Tax credits can play a crucial role in reducing the tax burden for small businesses, especially when you consider the various options available. One significant credit is the Work Opportunity Tax Credit (WOTC), which offers up to $2,400 for each eligible employee hired from targeted groups. If your business engages in research, the Research and Development (R&D) Tax Credit can provide a percentage back on qualifying research expenses. Small businesses with fewer than 25 full-time employees might benefit from the Small Business Health Care Tax Credit, covering up to 50% of health insurance premiums. Furthermore, investing in renewable energy could make you eligible for the Investment Tax Credit (ITC), which grants a 26% credit on solar energy system costs. Finally, if you provide paid family and medical leave, the Paid Family and Medical Leave Tax Credit allows you to claim up to 25% of the wages paid during this leave. Managing and Reducing Tax Liability Managing and reducing your tax liability is essential for the success of your small business. By effectively deducting ordinary business expenses and implementing strategic tax planning, you can greatly lower your taxable income and keep more money in your pocket. It’s important to stay organized and informed about available deductions, as this knowledge can directly impact your bottom line. Effective Expense Deductions Effective expense deductions play a crucial role in managing your small business’s tax liability, as they allow you to lower your taxable income by claiming various ordinary and necessary business expenses. To maximize these deductions, consider the following: Office supplies: Items like pens, paper, and printers can be deducted. Marketing costs: Advertising expenses can reduce your taxable income. Travel expenses: Costs associated with business travel are deductible. Home office deduction: If you use part of your home for business, you can claim related expenses. Retirement plan contributions: Contributions to plans like 401(k)s or SEP IRAs are tax-deductible. Keep accurate records to substantiate your claims, ensuring you maximize your potential deductions during tax filing. Strategic Tax Planning While small business owners often focus on daily operations, strategic tax planning is essential for minimizing tax liability and enhancing profitability. First, identify your business structure, as this affects your tax rates and obligations. If you’re a pass-through entity, consider utilizing the Qualified Business Income deduction, which allows you to deduct up to 20% of your qualified business income. Regularly review your financial records and consult tax professionals to uncover missed deductions and credits. Implement automated tools for expense tracking to streamline compliance and maximize deductions. Finally, take advantage of deductible business expenses, including home office costs, equipment purchases under Section 179, and retirement contributions, as these can greatly lower your taxable income and overall tax liability. Common Tax Mistakes to Avoid When running a small business, it’s crucial to be aware of common tax mistakes that can lead to costly consequences. Avoiding these pitfalls can save you money and guarantee compliance with tax regulations. Here are some mistakes to watch out for: Misclassifying employees as independent contractors can trigger IRS penalties. Missing filing or payment deadlines may result in hefty interest charges. Overlooking deductible expenses, such as home office costs or health insurance premiums, can inflate your taxable income. Inadequate recordkeeping leads to inaccurate tax reporting, complicating compliance efforts. Failing to consult a tax professional can cause you to miss valuable deductions and credits, like the Qualified Business Income deduction. Additional Taxes for Small Businesses As you navigate the intricacies of running a small business, it’s important to recognize that your tax obligations extend beyond just the income tax rate. In addition to that, you’ll face various additional taxes. Payroll taxes, which include Social Security and Medicare contributions, total 15.3% of eligible gross earnings, split evenly between you and your employees. Depending on your business, you might likewise need to pay excise taxes on specific goods and services like alcohol or gasoline. Sales tax, a percentage added to taxable goods and services, must be collected and remitted in most states, with rates varying greatly. Use taxes may apply on out-of-state purchases for business purposes, ensuring compliance with local tax laws. Finally, property taxes could be levied on real estate or equipment owned by your business, with rates differing by location and assessed value. Staying informed about these obligations is vital for successful financial management. E-Commerce and International Tax Considerations Maneuvering the tax terrain becomes even more complex when you’re operating an e-commerce business or engaging in international trade. You need to be aware of various regulations that can greatly impact your operations. Here are key considerations: Nexus laws determine tax obligations based on your physical or economic presence in a state, possibly requiring sales tax collection across multiple jurisdictions. The 2018 Supreme Court decision in South Dakota v. Wayfair allows states to tax e-commerce sales from out-of-state sellers. Businesses selling digital goods face varying state tax treatments; some states impose sales tax, whereas others do not. International operations require compliance with the Foreign Account Tax Compliance Act (FATCA) and managing foreign tax credits to avoid double taxation. The Global Intangible Low-Taxed Income (GILTI) provision affects how U.S. companies with foreign subsidiaries report income, influencing tax strategies in international e-commerce. Frequently Asked Questions What Is the Current Small Business Tax Rate? The current small business tax rate varies based on the business structure. C corporations face a flat federal tax rate of 21%. On the other hand, if you operate as a pass-through entity, like a sole proprietorship or S corporation, you’ll pay taxes at your individual income tax rate, which ranges from 10% to 37%. In addition, if your business qualifies, you could benefit from the Qualified Business Income deduction, lowering your effective tax burden. Are All Corporations Taxed at 21%? Not all corporations are taxed at the flat 21% rate. This rate applies particularly to C corporations, which file Form 1120 to report income and expenses. Conversely, S corporations and partnerships are pass-through entities, taxed at the owners’ personal income tax rates instead. Furthermore, large corporations with average adjusted financial statement income over $1 billion may face an alternative minimum tax of 15%, adding complexity to corporate taxation. Is Self-Employment Tax 15% or 30%? The self-employment tax is 15.3%, not 15% or 30%. This rate includes 12.4% for Social Security and 2.9% for Medicare on your net earnings. For the 2024 tax year, only the first $168,600 of your earnings is subject to the Social Security portion, whereas all your net earnings face the Medicare rate. If you earn over certain thresholds, an additional 0.9% Medicare tax may apply. You can deduct half of this tax when calculating your taxable income. How Much Do Small Businesses Get Taxed? Small businesses face varying tax rates based on their structure. If you operate a C corporation, you’re taxed at a flat federal rate of 21% on profits. For pass-through entities, like sole proprietorships or partnerships, tax rates align with your personal income tax, ranging from 10% to 37%. Furthermore, you must account for state corporate taxes and payroll taxes, which can greatly affect your overall tax liability. Always consult a tax professional for specific advice. Conclusion Grasping small business tax rates is essential for effective financial management. With C corporations facing a flat 21% federal tax rate and pass-through entities taxed at personal income rates, your business structure profoundly impacts your tax liability. Moreover, state taxes and various deductions can further influence your overall tax situation. By staying informed and avoiding common mistakes, you can better manage your tax obligations and potentially reduce your liabilities, ensuring your business remains financially healthy. Image via Google Gemini and ArtSmart This article, "Current Small Business Company Tax Rate" was first published on Small Business Trends View the full article

Looksmaxxer leader Braden Peters—better known as Clavicular or “Clav”—likes to smash his cheekbones with a hammer and do meth to stay lean. What does he not like? Being associated with the incel community or questioned about his manosphere friendships on television. In a recent segment for 60 Minutes Australia, journalist Adam Hegarty sat down with Clavicular, but the interview was abruptly cut short when Clavicular walked out. For those unfamiliar with Clavicular, the New Jersey-born Kick streamer, 20, has risen in popularity over the last few months for sharing his looksmaxxing journey—what he calls a movement of self-improvement—where he resorts to rather extreme measures to achieve maximum attractiveness, or “gigaChad” status. But it’s not just Clav’s tedious beauty routine that has garnered attention. He’s also regularly going viral for controversial activities, like running over someone with a Tesla Cybertruck or partying with figures such as self-proclaimed misogynist influencer Andrew Tate while singing along to rapper Ye’s “Heil Hitler” in Miami. Like a car wreck, the internet has been unable to look away, leading major outlets like The New York Times, GQ, and Playboy to profile Clav. And now the latest mainstream coverage by 60 Minutes Australia is going viral. “Literally the worst sequence of questions” Hegarty began the interview by dissecting some of the vernacular used by Clav and the looksmaxxing community, such as mogging (outshining someone). But the conflict came when Hegarty pointed out the looksmaxxing community’s ties with the incel (involuntarily celibate) community online. “Do I identify as an incel? I mean, how could you ask me that question as a follow-up after you asked me about my relationships to women? I mean, that’s quite literally the worst sequence of questions I think I’ve ever heard,” Clavicular replied. The reporter then rephrased the question. “Looksmaxxing was obviously a term created by the incel community. How do you feel about being linked to that group,” he said. Clavicular replied, “I’m not linked to that group in any way. Looksmaxxing is self-improvement, right? So it’s about potentially even ascending out of that category. So that would be kind of one of the goals is to disassociate from being an incel and overcome that. So that doesn’t make sense.” The interviewer then switched to discuss Clavicular’s social circle, among them Tate. “Why do you spend time with people like that?” Hegarty asked. Clavicular quickly turned defensive, saying that Hegarty was trying to turn the interview political. The influencer has in the past said he is not political, even saying he would vote for Gavin Newsom over JD Vance due to the vice president’s physique. “Too bad I didn’t have time to look into, you know, anything about potentially, you know, who your wife cheated with,” Clavicular told Hegarty—to which Hegarty replied that he was not married. Clavicular added: “So I could teach you about looksmaxxing, and then maybe you could switch that up. Thanks for the time. Appreciate the interview.” Internet divided over “platforming” While many online commentators have fixated on the interview’s dramatic and abrupt end, others are questioning the continued platforming of the streamer, highlighting a growing tension between mainstream media and the influencers whose views they chase. “For those questioning why this interview happened, it’s to show how ridiculous these people are because they are influencing the young male population at an alarming rate,” a user said on Threads. “This shows exactly how insecure this dude is, and how he carries himself when confronted. 60 Minutes got exactly what they needed.” “60 Minutes is interviewing Clavicular? Wtf are we even doing anymore?” one user said on X. View the full article

As businesses continue to navigate the rapidly evolving subscription economy, Visa’s latest innovation may reshape the way both consumers and small business owners manage recurring payments. The company recently launched its Enhanced Subscription Manager, a service designed to streamline subscription management within banking apps, giving consumers more control over their finances. According to projections, the global subscription market will approach a staggering 12 billion subscriptions by 2030. As consumers delve deeper into various subscription services—from streaming platforms to meal kits—they face challenges in transparency and control. Visa’s Enhanced Subscription Manager addresses these pain points, offering solutions that can benefit small business owners in several significant ways. The Enhanced Subscription Manager simplifies how consumers can track and manage their subscriptions directly within their mobile banking apps. Kathleen Pierce-Gilmore, Visa’s global head of Issuing Solutions, highlighted the increasing consumer demand for clarity and convenience: “Consumers today want clarity, control, and convenience when it comes to managing the subscriptions that touch so many parts of their lives.” This new service not only consolidates subscription visibility but also enables users to switch payment methods or cancel subscriptions seamlessly—all without leaving their banking app. This capability helps to reduce unwanted charges and increases consumer confidence, which could ultimately benefit businesses aiming for repeat customers. By collaborating with providers like Pinwheel, Visa enhances the user experience further. Small business owners can count on this collaboration to facilitate smoother billing processes, as Visa now allows integration that lets issuers embed card switching and subscription cancellation for over 100 major merchants. This platform, known as Visa’s Digital Issuer Solutions, equips financial institutions with the tools needed to provide modern consumer-facing experiences. In addition to subscription visibility, the platform includes features like push provisioning and digital card displays. These services create multiple touchpoints for businesses to engage with their consumers, making it easier for small businesses to maintain ongoing relationships with their clients. For small business owners, integrating the Enhanced Subscription Manager could resolve various transaction-related issues, such as disputes and chargebacks stemming from recurring payments. By creating an easier path for customers to manage their subscriptions, businesses may find that customer loyalty increases, fostering long-term relationships that can stabilize their revenue streams. However, implementing such technology can come with its own set of challenges. Small business owners need to consider the initial integration costs and the learning curve for both their staff and customers. The seamless experience that Visa promises relies on significant behind-the-scenes work, requiring effective coordination between banking institutions and merchants. Moreover, as the subscription economy grows, compliance with financial regulations will become paramount. Small businesses may need to invest time and resources to ensure that they meet any legal requirements related to payment processing and consumer protection. Visa expects its Enhanced Subscription Manager to be available to North American issuers by summer 2026, with future expansions planned for Latin America and the Caribbean. For small business owners, this timeline allows for strategic planning and potentially aligning their services to benefit from the enhanced consumer tools that will soon be at their clients’ disposal. In summary, Visa’s Enhanced Subscription Manager offers promising advancements that can significantly improve how consumers manage subscriptions while interacting with small business services. Enhanced consumer control can foster loyalty and reduce chargebacks, ultimately strengthening small businesses in today’s increasingly competitive landscape. For more information on this new offering, you can visit the original press release at Visa’s newsroom: Visa Press Release. Image via Google Gemini This article, "Visa Unveils Enhanced Subscription Manager, Boosting Control Over Payments" was first published on Small Business Trends View the full article

As businesses continue to navigate the rapidly evolving subscription economy, Visa’s latest innovation may reshape the way both consumers and small business owners manage recurring payments. The company recently launched its Enhanced Subscription Manager, a service designed to streamline subscription management within banking apps, giving consumers more control over their finances. According to projections, the global subscription market will approach a staggering 12 billion subscriptions by 2030. As consumers delve deeper into various subscription services—from streaming platforms to meal kits—they face challenges in transparency and control. Visa’s Enhanced Subscription Manager addresses these pain points, offering solutions that can benefit small business owners in several significant ways. The Enhanced Subscription Manager simplifies how consumers can track and manage their subscriptions directly within their mobile banking apps. Kathleen Pierce-Gilmore, Visa’s global head of Issuing Solutions, highlighted the increasing consumer demand for clarity and convenience: “Consumers today want clarity, control, and convenience when it comes to managing the subscriptions that touch so many parts of their lives.” This new service not only consolidates subscription visibility but also enables users to switch payment methods or cancel subscriptions seamlessly—all without leaving their banking app. This capability helps to reduce unwanted charges and increases consumer confidence, which could ultimately benefit businesses aiming for repeat customers. By collaborating with providers like Pinwheel, Visa enhances the user experience further. Small business owners can count on this collaboration to facilitate smoother billing processes, as Visa now allows integration that lets issuers embed card switching and subscription cancellation for over 100 major merchants. This platform, known as Visa’s Digital Issuer Solutions, equips financial institutions with the tools needed to provide modern consumer-facing experiences. In addition to subscription visibility, the platform includes features like push provisioning and digital card displays. These services create multiple touchpoints for businesses to engage with their consumers, making it easier for small businesses to maintain ongoing relationships with their clients. For small business owners, integrating the Enhanced Subscription Manager could resolve various transaction-related issues, such as disputes and chargebacks stemming from recurring payments. By creating an easier path for customers to manage their subscriptions, businesses may find that customer loyalty increases, fostering long-term relationships that can stabilize their revenue streams. However, implementing such technology can come with its own set of challenges. Small business owners need to consider the initial integration costs and the learning curve for both their staff and customers. The seamless experience that Visa promises relies on significant behind-the-scenes work, requiring effective coordination between banking institutions and merchants. Moreover, as the subscription economy grows, compliance with financial regulations will become paramount. Small businesses may need to invest time and resources to ensure that they meet any legal requirements related to payment processing and consumer protection. Visa expects its Enhanced Subscription Manager to be available to North American issuers by summer 2026, with future expansions planned for Latin America and the Caribbean. For small business owners, this timeline allows for strategic planning and potentially aligning their services to benefit from the enhanced consumer tools that will soon be at their clients’ disposal. In summary, Visa’s Enhanced Subscription Manager offers promising advancements that can significantly improve how consumers manage subscriptions while interacting with small business services. Enhanced consumer control can foster loyalty and reduce chargebacks, ultimately strengthening small businesses in today’s increasingly competitive landscape. For more information on this new offering, you can visit the original press release at Visa’s newsroom: Visa Press Release. Image via Google Gemini This article, "Visa Unveils Enhanced Subscription Manager, Boosting Control Over Payments" was first published on Small Business Trends View the full article

Google is rolling out Skills to Gemini in Chrome on desktop, letting users save prompts as reusable one-click tools and run them across selected tabs. The post Google Chrome Skills Turn Gemini Prompts Into Reusable Workflows appeared first on Search Engine Journal. View the full article