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A reader writes: I work at a fairly large nonprofit (500+ employees) outside a major city. I’ve been here four years and genuinely like my job, but my compensation has become a major source of stress. I hold a director-level title, supervise 15 part time employees, and earn just enough to qualify as exempt from earning overtime pay. Since starting, I’ve taken on significant additional responsibilities. I regularly work 45-60 hours each week and am expected to be on call for emergencies for eight hours every other weekend. I know nonprofit salaries aren’t high, but I didn’t expect to be 10 years into my career and still living paycheck to paycheck. Recently, I had my annual evaluation and decided to ask for a raise. We get small merit increases each year, but they barely keep up with inflation. I prepared a list of accomplishments and additional duties and researched comparable salaries, mostly government-funded roles with public data. Based on what I found, I’m earning $10,000–15,000 below market. My performance review was glowing. My manager even listed many of my accomplishments before I mentioned them. But toward the end, she said it seemed like I had too much on my plate and wanted to discuss reallocating tasks. To my surprise, I burst into tears. I still managed to explain why I felt I deserved a raise at the end of our conversation, but I know I didn’t present my case as clearly as I’d hoped. My manager took the request to our department head. Yesterday I was told my compensation was “deemed to be sufficient.” I’m shocked and hurt. I didn’t expect them to match the salaries I found, but I did expect something. The reasons I was given had nothing to do with my performance. First, the usual “no wiggle room in the budget.” Second, they said my salary research wasn’t relevant because the positions I found were closer to the city and might not have comparable benefits, even though the cost of living there is similar and there are no other jobs in our town like mine to compare to. Third, they said there’s no clear evidence I’ve taken on additional responsibilities because there’s no job description on file. To my manager’s credit, she immediately started working on the job description issue. The person who hired me retired a year after I started, and her files are a mess. Her replacement, my current boss, has never been able to find my original job description. Still, I’m frustrated. My compensation doesn’t match my role, and the reasons for denying a raise had nothing to do with my work. I also wasn’t given any guidance on how to advocate for myself in the future. At the same time, I don’t feel like I have leverage because I don’t intend to leave since my field has an especially terrible job market. I’m not sure what to do next. Some of the conversations about reducing my workload seem promising, but that doesn’t solve the compensation issue. I’ve thought about refusing overtime since I’m not compensated for it, but I know that could backfire since evening and weekend hours are common in my industry. Is there anything else I can do, or re my only real choices to accept my current salary or look for another job? You can read my answer to this letter at New York Magazine today. Head over there to read it. The post I was turned down for a raise — now what? appeared first on Ask a Manager. View the full article

Vibe coding is a new way to create software using AI tools such as ChatGPT, Cursor, Replit, and Gemini. It works by describing to the tool what you want in plain language and receiving written code in return. You can then simply paste the code into an environment (such as Google Colab), run it, and test the results, all without ever actually programming a single line of code. Collins Dictionary named “vibe coding” word of the year in 2025, defining it as “the use of artificial intelligence prompted by natural language to write computer code.” In this guide, you’ll understand how to start vibe coding, learn its limitations and risks, and see examples of great tools created by SEOs to inspire you to vibe code your own projects. Vibe coding variations While “vibe coding” is used as an umbrella term, there are subsets of coding with support or AI, including the following: TypeDescriptionToolsAI-assisted coding AI helps write, refactor, explain, or debug code. Used by actual developers or engineers to support their complex work.GitHub Copilot, Cursor, Claude, Google AI StudioVibe codingPlatforms that handle everything except the prompt/idea. AI does most of the work.ChatGPT, Replit, Gemini, Google AI StudioNo-code platformsPlatforms that handle everything you ask (“drag and drop” visual updates while the code happens in the background). They tend to use AI but existed long before AI became mainstream.Notion, Zapier, Wix We’ll focus exclusively on vibe coding in this guide. With vibe coding, while there’s a bit of manual work to be done, the barrier is still low — you basically need a ChatGPT account (free or paid) and access to a Google account (free). Depending on your use case, you might also need access to APIs or SEO tools subscriptions such as Semrush or Screaming Frog. Your customers search everywhere. Make sure your brand shows up. The SEO toolkit you know, plus the AI visibility data you need. Start Free Trial Get started with To set expectations, by the end of this guide, you’ll know how to run a small program on the cloud. If you expect to build a SaaS or software to sell, AI-assisted coding is a more reasonable option to take, which will involve costs and deeper coding knowledge. Vibe coding use cases Vibe coding is great when you’re trying to find outcomes for specific buckets of data, such as finding related links, adding pre-selected tags to articles, or doing something fun where the outcome doesn’t need to be exact. For example, I’ve built an app to create a daily drawing for my daughter. I type a phrase about something that she told me about her day (e.g., “I had carrot cake at daycare”). The app has some examples of drawing styles I like and some pictures of her. The outputs (drawings) are the final work as they come from AI. When I ask for specific changes, however, the program tends to worsen and redraw things I didn’t ask for. I once asked to remove a mustache and it recolored the image instead. If my daughter were a client who’d scrutinize the output and require very specific changes, I’d need someone who knows Photoshop or similar tools to make specific improvements. In this case, though, the results are good enough. Building commercial applications solely on vibe coding may require a company to hire vibe coding cleaners. However, for a demo, MVP (minimum viable product), or internal applications, vibe coding can be a useful, effective shortcut. How to create your SEO tools with vibe coding Using vibe coding to create your own SEO tools require three steps: Write a prompt describing your code Paste the code into a tool such as Google Colab Run the code and analyze the results Here’s a prompt example for a tool I built to map related links at scale. After crawling a website using Screaming Frog and extracting vector embeddings (using the crawler’s integration with OpenAI), I vibe coded a tool that would compare the topical distance between the vectors in each URL. This is exactly what I wrote on ChatGPT: I need a Google Colab code that will use OpenAI to: Check the vector embeddings existing in column C. Use cosine similarity to match with two suggestions from each locale (locale identified in Column A). The goal is to find which pages from each locale are the most similar to each other, so we can add hreflang between these pages. I’ll upload a CSV with these columns and expect a CSV in return with the answers. Then I pasted the code that ChatGPT created on Google Colab, a free Jupyter Notebook environment that allows users to write and execute Python code in a web browser. It’s important to run your program by clicking on “Run all” in Google Colab to test if the output does what you expected. This is how the process works on paper. Like everything in AI, it may look perfect, but it’s not always functioning exactly how you want it. You’ll likely encounter issues along the way — luckily, they’re simple to troubleshoot. First, be explicit about the platform you’re using in your prompt. If it’s Google Colab, say the code is for Google Colab. You might still end up with code that requires packages that aren’t installed. In this case, just paste the error into ChatGPT and it’ll likely regenerate the code or find an alternative. You don’t even need to know what the package is, just show the error and use the new code. Alternatively, you can ask Gemini directly in your Google Colab to fix the issue and update your code directly. AI tends to be very confident about anything and could return completely made-up outputs. One time I forgot to say the source data would come from a CSV file, so it simply created fake URLs, traffic, and graphs. Always check and recheck the output because “it looks good” can sometimes be wrong. If you’re connecting to an API, especially a paid API (e.g., from Semrush, OpenAI, Google Cloud, or other tools), you’ll need to request your own API key and keep in mind usage costs. Should you want an even lower execution barrier than Google Colab, you can try using Replit. Simply prompt your request and the software will create the code, design, and allow testing all on the same screen. This means a lower chance of coding errors, no copy and paste, and a URL you can share right away with anyone to see your project built with a nice design. (You should still check for poor outputs and iterate with prompts until your final app is built.) Keep in mind that while Google Colab is free (you’ll only spend if you use API keys), Replit charges a monthly subscription and per-usage fee on APIs. So the more you use an app, the more expensive it gets. Inspiring examples of SEO vibe-coded tools While Google Colab is the most basic (and easy) way to vibe code a small program, some SEOs are taking vibe coding even further by creating programs that are turned into Chrome extensions, Google Sheets automation, and even browser games. The goal behind highlighting these tools is not only to showcase great work by the community, but also to inspire, build, and adapt to your specific needs. Do you wish any of these tools had different features? Perhaps you can build them for yourself — or for the world. GBP Reviews Sentiment Analyzer (Celeste Gonzalez) After vibe coding some SEO tools on Google Colab, Celeste Gonzalez, Director of SEO Testing at RicketyRoo Inc, took her vibing skills a step further and created a Chrome extension. “I realized that I don’t need to build something big, just something useful,” she explained. Her browser extension, the GBP Reviews Sentiment Analyzer, summarizes sentiment analysis for reviews over the last 30 days and review velocity. It also allows the information to be exported into a CSV. The extension works on Google Maps and Google Business Profile pages. Instead of ChatGPT, Celeste used a combination of Claude (to create high-quality prompts) and Cursor (to paste the created prompts and generate the code). AI tools used: Claude (Sunner 4.5 model) and Cursor APIs used: Google Business Profile API (free) Platform hosting: Chrome Extension Knowledge Panel Tracker (Gus Pelogia) I became obsessed with the Knowledge Graph in 2022, when I learned how to create and manage my own knowledge panel. Since then, I found out that Google has a Knowledge Graph Search API that allows you to check the confidence score for any entity. This vibe-coded tool checks the score for your entities daily (or at any frequency you want) and returns it in a sheet. You can track multiple entities at once and just add new ones to the list at any time. The Knowledge Panel Tracker runs completely on Google Sheets, and the Knowledge Graph Search API is free to use. This guide shows how to create and run it in your own Google account, or you can see the spreadsheet here and just update the API key under Extensions > App Scripts. AI models used: ChatGPT 5.1 APIs used: Google Knowledge Graph API (free) Platform hosting: Google Sheets Inbox Hero Game (Vince Nero) How about vibe coding a link building asset? That’s what Vince Nero from BuzzStream did when creating the Inbox Hero Game. It requires you to use your keyboard to accept or reject a pitch within seconds. The game is over if you accept too many bad pitches. Inbox Hero Game is certainly more complex than running a piece of code on Google Colab, and it took Vince about 20 hours to build it all from scratch. “I learned you have to build things in pieces. Design the guy first, then the backgrounds, then one aspect of the game mechanics, etc.,” he said. The game was coded in HTML, CSS, and JavaScript. “I uploaded the files to GitHub to make it work. ChatGPT walked me through everything,” Vince explained. According to him, the longer the prompt continued, the less effective ChatGPT became, “to the point where [he’d] have to restart in a new chat.” This issue was one of the hardest and most frustrating parts of creating the game. Vince would add a new feature (e.g., score), and ChatGPT would “guarantee” it found the error, update the file, but still return with the same error. See the complete picture of your search visibility. Track, optimize, and win in Google and AI search from one platform. Start Free Trial Get started with In the end, Inbox Hero Game is a fun game that demonstrates it’s possible to create a simple game without coding knowledge, yet taking steps to perfect it would be more feasible with a developer. AI models used: ChatGPT APIs used: None Platform hosting: Webpage Vibe coding with intent Vibe coding won’t replace developers, and it shouldn’t. But as these examples show, it can responsibly unlock new ways for SEOs to prototype ideas, automate repetitive tasks, and explore creative experiments without heavy technical lift. The key is realism: Use vibe coding where precision isn’t mission-critical, validate outputs carefully, and understand when a project has outgrown “good enough” and needs additional resources and human intervention. When approached thoughtfully, vibe coding becomes less about shipping perfect software and more about expanding what’s possible — faster testing, sharper insights, and more room for experimentation. Whether you’re building an internal tool, a proof of concept, or a fun SEO side project, the best results come from pairing curiosity with restraint. View the full article

Shares in the sports streaming service FuboTV Inc. (NYSE: FUBO) are currently plunging in Tuesday trading. The stock price drop comes after the streamer reported its Q1 2026 results—and announced a relatively rare reverse stock split. Here’s what you need to know. What’s happened? Today, FuboTV Inc. announced its first-quarter results for fiscal 2026, which ended on December 31. For the quarter, Fubo reported revenue of $1.543 billion, up 40% from the year-earlier quarter. However, despite the company’s revenue growth, the streamer reported a net loss of approximately $19.1 million for the quarter. Its earnings per share for the period were negative 2 cents. About a year ago, the company made headlines after entering into an agreement with The Walt Disney Company, which announced it would acquire a 70% stake in the streamer and combine it with the company’s existing Hulu + Live TV service. As part of that deal, Fubo would remain a public company. Yet despite this, Fubo’s stock has struggled, and today, FUBO shares have fallen off a cliff-edge. They are currently trading down 25% to around $1.71 per share as of the time of this writing. Fubo announces reverse stock split Investors clearly weren’t happy with Fubo’s quarterly results. No one likes to see a net loss. But Fubo’s loss wasn’t the only thing the company announced. It also revealed that it plans to initiate a reverse stock split—a relatively rare event that is the opposite of the more common stock split some companies choose to partake in. In a regular stock split, a company decides to divide its current number of shares by a certain amount. Stock splits can occur in any increment. For example, a 2-for-1 stock split would divide each share into two, meaning there would be twice as many shares after the split as before. These new shares would also be worth half the price of the pre-split shares. This lower per-share price often makes shares appear more accessible for retail investors, which can spur buying. But in a reverse split, a company decides to combine its existing shares. For example, a company may decide to merge two shares into one. The new single share would then be worth the value of two former ones. Why is Fubo reverse-splitting its shares? Fubo didn’t get into too many specifics about why it was initiating a reserve stock split. The company said its board approved the reverse split and that it “is intended to make the stock more accessible to a broader base of investors” while also ensuring that the reduced number of shares is better “aligned with the Company’s size and scope.” The thing is, reverse stock splits aren’t generally done by companies that are on a firm financial footing. Last year, electric vehicle maker Lucid Group (Nasdaq: LCID) initiated a 1-for-10 reverse stock split in order to boost its share price and keep it from being delisted from the Nasdaq, which will delist companies whose stock price falls below a certain amount—$1 in the Nasdaq’s case—for a certain period of time. In July, EV charging company ChargePoint Holdings (NYSE: CHPT) issued a 1 for 20 reverse split in an effort to boost its share price and not get booted from the New York Stock Exchange, which also requires that a company cannot have its stock price go below the $1 mark for more than $30 consecutive days. If it does, delisting procedures can begin. Other companies including Nikola (Nasdq: NKLA) and Virgin Galactic Holdings (NYSE: SPCE) have also reverse-split their shares to avoid delisting. While Fubo’s stock price hasn’t fallen below $1, over the past year it has dropped as low as $1.57. If the stock were to lose about 40% of its current value, it would fall under the $1 mark, which would leave it vulnerable to delisting. Fast Company has reached out to Fubo for comment. How much are Fubo shares reverse-splitting by? Fubo did not announce which ratio its shares would reverse split by, but the company said it would be between between 1-for-8 and 1-for-12. The exact reverse split ratio will be determined by its board of directors. At the company’s current stock price of around $1.71 per share, a 1-for-8 to 1-for-12 reverse split would give FUBO a share price of between $13.68 and $20.52—well above the $1 threshold the stock needs to maintain to continue to be listed on the NYSE. When will Fubo’s shares begin trading at their reverse split price? Fubo said its shares will begin trading at their new reverse split price “later this quarter.” Fubo’s current Q2 ends at the end of March. View the full article

If you have gifting to loved ones on your mind, here are some considerations related to taxes and logistics. Gifting logistics Unless you’re writing a check from your bank account, the logistics of gifting funds can get a bit complicated. If you want to gift from your IRA, your only option is to sell a chunk of it, then pay any taxes due, then write a check. That’s not terrible, so long as you understand the tax implications. IRA withdrawals are typically subject to ordinary income tax, along with penalties if you’re not yet 59½. You could also trigger some knock-on tax effects like the income-related monthly adjustment amount. In other words, gifting from your IRA isn’t as seamless as making a qualified charitable distribution from your IRA or naming someone as a beneficiary of your IRA. Things can also get tricky if you want your financial gift to go toward an investment account for someone else. It’s straightforward if you’re giving a gift to an adult with an eye toward setting them on an investing path: The recipient will have to set up the account, whether an IRA or a taxable brokerage account, and you can then write a check or transfer funds directly to the financial institution. If you’re giving an investment gift to a child, you have options. 529: Best if you know the money will be for college. It will compound tax-free and skirt taxes upon withdrawal for qualified higher-education expenses. Plus you’ll typically get a state tax break on a contribution to your home state’s plan. UGMA/UTMA (Uniform Gifts/Transfers to Minors Act): This is an open-ended way to save for minor children. There are no strictures on how the money is ultimately used, and the assets can be invested in almost anything. Note that UGMA/UTMA assets may reduce a student’s eligibility for financial aid. IRA (if the child has earned income): Funding an IRA can ensure that a young adult fully benefits from compounding for retirement, and the IRA wrapper offers tax benefits. But the young person needs to have earned enough compensation (from work) in a given year to cover the amount of the IRA contribution you’re making on their behalf, though the contribution doesn’t have to come directly from the young adult’s own coffers. Gift tax: a nonissue for most If you give $19,000 or less to any one individual in a single year, there are no reporting or tax requirements. Married couples can give twice that amount with no tax or reporting requirements. Even if you give more than $19,000 to an individual in a single year, it’s not automatically subject to gift tax. Rather, anyone exceeding the gift-tax threshold in a single year must file the gift tax return form, and that excess amount counts against their lifetime exclusion amount. Only when those excess amounts (combined with the value of the individual’s estate) exceed the lifetime exclusion amount—currently nearly $14 million—does anyone actually owe taxes on those gifts. So that’s not a barrier for most people. Tax benefits are limited Because the lifetime gift/estate tax exclusion amount is currently so high, avoiding estate tax shouldn’t be a major motivation for most people to gift assets to individuals during their lifetimes—at least for now. The estate tax exclusion has been much lower in the past and could go lower again: It was $2 million as recently as 2008, for example. Moreover, some states levy their own estate taxes, and in most cases, they’re lower than the federal threshold. In contrast with making gifts to qualified charities, you won’t be able to earn a tax deduction on your gift to an individual. The exception is a contribution to a 529 college savings plan; you may be eligible for a state tax deduction or credit. In a similar vein, gifting appreciated assets is unlikely to remove the taxes due on the gains, though it will shift the tax burden to the recipient. This article was provided to The Associated Press by Morningstar. For more personal finance content, go to https://www.morningstar.com/personal-finance. Christine Benz is director of personal finance and retirement planning for Morningstar. View the full article

Recent findings from a SurveyMonkey report, conducted in collaboration with USA Today, reveal a striking reality: a notable segment of the American workforce is grappling with significant challenges affecting their job satisfaction and productivity. With one in four employees indicating they are either struggling or burnt out, this statistic serves as a wake-up call for small business owners looking to foster healthier, more engaging work environments. The data highlights a concerning divide among workers—while 75% of employees report feeling fulfilled or merely coasting in their roles, 24% are in a precarious state. Specifically, 12% of workers identify as struggling and another 12% as burnt out. This disparity not only sheds light on the emotional landscape of the workforce but also underscores the importance of addressing employee well-being in order to create a thriving business atmosphere. Addressing worker struggles can yield significant benefits: improved job satisfaction and enhanced productivity. When employees feel supported and engaged, the entire workplace ecosystem flourishes. “Workers who are struggling or burnt out exhibit significantly lower levels of job satisfaction, morale, engagement, and productivity,” notes the report. This is especially troubling for small business owners, as lower engagement can increase turnover rates and hinder growth. For small business owners, the implications are clear. Recognizing and addressing employee wellness is vital to retaining talent and driving business success. Practical applications for improving employee satisfaction could involve implementing regular check-ins, providing resources for mental health support, or fostering a culture that encourages open communication. However, challenges lie ahead. With many small businesses operating on limited resources, developing robust wellness programs may seem daunting. Owners must balance their focus on employee care with the necessity of maintaining a lean operation. Additionally, some businesses might find it difficult to gauge employee morale effectively, particularly in hybrid or remote work environments. To confront these challenges, small business owners can tap into tools like surveys to assess employee well-being, a tactic that provides immediate insights into their staff’s morale and engagement levels. Surveys not only reveal areas needing improvement but also demonstrate to employees that their sentiments are valued—an essential step in nurturing a positive workplace culture. Furthermore, the data indicates that employees struggling with burnout may be more inclined to seek new opportunities, posing a risk to businesses reliant on a stable workforce. Retention strategies should be a priority for small business owners; creating an environment where employees feel appreciated and secure can significantly counteract turnover motivations. Ultimately, as the workforce landscape continues to evolve, small business owners must proactively engage with their employees to prevent burnout and promote a positive culture. This proactive approach can align with the aspirations of the 75% of the workforce that is thriving or coasting, transforming potential challenges into opportunities for growth and enhancement. With the revelations from SurveyMonkey and USA Today, small business owners are encouraged to take heed and implement strategies that foster proactive engagement with their workforce. Ignoring the signs of struggle can have detrimental effects, while addressing these issues can lead to a more engaged, productive, and ultimately successful business. For more detailed insights, visit the original report on the USA Today and SurveyMonkey collaboration at SurveyMonkey. Image via Google Gemini This article, "Workforce Study Reveals 24% of Employees Face Struggles or Burnout" was first published on Small Business Trends View the full article

Fortunately, they all can be overcome ... if everyone is willing. By Marc Rosenberg The Rosenberg Practice Management Library Go PRO for members-only access to more Marc Rosenberg. View the full article

Fortunately, they all can be overcome ... if everyone is willing. By Marc Rosenberg The Rosenberg Practice Management Library Go PRO for members-only access to more Marc Rosenberg. View the full article

“Me everyday bc my nervous system doesn’t know the difference between a busy day at work or being attacked by a tiger,” a TikTok post reads. The sentiment is the same across dozens of videos online. As an antidote to this workplace-anxiety, “nervous system regulation” has been trending across TikTok, with 178,500 tagged videos beneath the hashtag #nervoussystemhealing. “Real footage of me regulating my nervous system at work,” one posted, hopping around the bathroom, animatedly shaking her wrists and legs. “Pov: when you remember that slow is the secret to a regulated nervous system and your job isn’t an emergency,” another commented on a separate video captioned “your urgency is not my emergency” as a woman calmly taps away on a keyboard. It may sound self-explanatory, but what does this trend even refer to? “‘Nervous system regulation’ refers to our body’s ability to shift between stress (fight or flight) and calm (rest and digest) in a healthy and balanced way,” Dr. Jair Olivares, clinic director at wellness clinic SHA Mexico, told Fast Company. “It’s how we adapt to challenges, recover from stress, and stay mentally and physically resilient.” Anxiety and perfectionism are all adaptive responses the nervous system uses to keep us safe. This can be helpful when you’re actually in danger—like if a wild animal is chasing you. But these same responses kick in for everyday stresses that aren’t so much putting your life at risk—like Slack notifications and work deadlines—as much as they might feel like it. “When this system is dysregulated, we may feel anxious, fatigued, irritable, or burned out even without obvious causes,” explains Dr. Olivares. “Constant stimulation, emails, meetings, notifications, deadlines keeps our stress system switched ‘on’. Add to that poor posture, lack of natural light, skipped meals, and little physical movement, and the body receives few signals of safety or rest.” While it’s easy to dismiss this as another wellness trend, these gestures are signalling something more troubling afoot as workers attempt to regulate nervous systems pushed into a near-constant state of emergency. The proliferation of this content online speaks to a wider culture of workplace stress and burnout: Glassdoor named “fatigue” the word of the year for 2025, while WGSN, a global trend forecasting firm, predicted 2026 to be the year of “Great Exhaustion.” To counterbalance this, try taking micro-breaks to breathe deeply, or stimulate your vagus nerve (which is located in the neck and associated with the parasympathetic nervous system) by humming or lightly tapping on parts of the body. Dr. Olivares also recommends sitting upright or taking walking meetings during the workday to send calming signals to the brain. When in doubt, focus on deep, conscious breathing as a starting point. From there, you can focus on larger, more systemic changes you can make in your day that can nip nervous system dysregulation in the bud. Remember—it’s just a Slack notification. It can’t hurt you. View the full article

Do others think you’re ready to be partner? By Martin Bissett Passport to Partnership Go PRO for members-only access to more Martin Bissett. View the full article

Do others think you’re ready to be partner? By Martin Bissett Passport to Partnership Go PRO for members-only access to more Martin Bissett. View the full article

Bed Bath & Beyond purchased Tokens.com, a blockchain platform utilizing services from Figure, tZERO and ShyftLabs. View the full article

When you’re considering a short-term business loan, comprehending the factors that influence loan rates is essential. Your creditworthiness, current economic conditions, and the lender you choose all play significant roles in determining the terms you receive. Furthermore, the amount you borrow, the length of the loan, and whether you provide collateral can further affect your interest rate. Let’s explore these factors and see how they can impact your borrowing experience. Key Takeaways Creditworthiness significantly impacts interest rates, with higher scores leading to lower rates and better loan approval chances. Economic conditions, including inflation and demand for credit, influence borrowing costs and lending standards. The loan amount and term length affect rates, with larger loans and shorter terms typically resulting in higher interest rates. The type of lender, whether traditional banks or online lenders, can result in varying interest rates and borrowing terms. Offering collateral can lower interest rates, increase loan amounts, and improve approval chances by reducing lender risk. Creditworthiness of the Borrower When you’re considering a short-term business loan, comprehending your creditworthiness is vital, as it directly affects the interest rates you’ll be offered. Lenders evaluate both your personal and business credit histories, which can greatly influence the interest rates and standard business loan terms available to you. A strong credit profile, typically denoting a score above 700, can qualify you for lower rates, whereas scores below 600 may result in higher rates or even denial. In fact, around 20% of small business loan denials stem from credit issues, highlighting the significance of maintaining good credit. If you’re wondering how much is a business loan, bear in mind that your creditworthiness plays an important role in determining not just the loan amount, but likewise the overall financing costs. Utilizing business credit services can help you monitor and improve your credit standing, making it easier to secure favorable loan terms when needed. Economic Environment and Market Conditions The economic environment and market conditions play an essential role in determining short-term business loan rates. Factors like inflation and the Federal Reserve‘s monetary policies can directly influence your borrowing costs, as lower federal rates typically result in reduced interest rates. Furthermore, the demand for credit in the market impacts rates; high demand often leads lenders to increase rates, whereas lower demand can create more favorable borrowing conditions for you. Inflation and Interest Rates As inflation continues to rise, it directly affects the cost of borrowing, prompting lenders to increase interest rates to safeguard their profit margins and resulting in higher short-term business loan rates. When you seek fast business finance, be aware that rising inflation leads to lenders tightening their lending standards, which can limit your options. Short-term business loan rates are particularly sensitive to inflation fluctuations, causing lenders to adjust rates more frequently. Moreover, in this high-inflation environment, you might face higher spreads on loans, further increasing your borrowing costs. If you’re considering a business loan, understand that the length of business loan terms can likewise impact your overall expense, as shorter terms may carry higher rates in volatile economic conditions. Federal Reserve Policies As you traverse the terrain of short-term business loans, it’s crucial to understand how Federal Reserve policies shape interest rates and borrowing costs. The Fed’s decisions, particularly regarding the federal funds rate, directly impact short-term loan rates. When rates drop, such as the recent 0.25% cut in October 2025, borrowing costs typically decrease, benefiting businesses seeking loans. Economic factors like inflation and employment levels likewise influence the Fed’s policies. If uncertainty rises, lenders may increase short-term loan rates to manage risk. This situation affects whether a small business loan is a variable or fixed rate. Moreover, business loan credit cards and business credit options are often tied to the prime rate, which is influenced by the Fed. Market Demand Trends Comprehending market demand trends for short-term business loans requires a close look at the current economic environment and market conditions. Several factors play a critical role in shaping this demand: Prevailing economic conditions, like inflation rates and consumer spending, affect lenders’ willingness to offer competitive rates. A strong economy typically increases demand for loans as businesses seek growth opportunities, driving interest rates higher. During downturns or uncertainty, demand may fall, prompting lenders to lower rates to attract borrowers. Additionally, the Federal Reserve’s monetary policy and changes in market conditions, such as lender competition and investor sentiment, greatly impact short-term loan rates. Grasping these dynamics can help you make informed borrowing decisions. Loan Amount and Term Length When considering a short-term business loan, both the loan amount and term length play crucial roles in determining the interest rates you’ll encounter. Larger loan amounts often lead to lower interest rates since they pose reduced risk for lenders and allow for economies of scale in processing costs. Conversely, shorter loan terms typically come with higher interest rates, as lenders want to mitigate their risk by charging more for quick repayment. You’ll find average short-term loan interest rates can range between 7% and 100%, depending on these factors. Loans with terms extending up to 24 months may offer lower rates compared to those with just a few months for repayment, as longer terms create more manageable payment structures. In the end, the overall cost of borrowing, including interest and fees, hinges on the loan amount and term length, so be sure to weigh these aspects carefully to avoid excessive costs. Type of Lender When considering a short-term business loan, the type of lender you choose plays a vital role in determining your interest rates and overall borrowing costs. Traditional banks often offer lower rates but come with stricter qualification criteria, whereas online lenders may provide more flexibility at the expense of higher rates. Furthermore, alternative financing options, such as non-bank lenders, have become popular because of their less stringent approval processes, making it important to weigh your options carefully. Bank vs. Online Lenders Choosing between bank and online lenders for short-term business loans can greatly affect your borrowing experience and costs. Banks typically offer lower interest rates, ranging from 6.7% to 11.5%. Online lenders often have higher rates but faster access to funds, with approval rates nearing 25%. Although online loans provide flexibility, they may include increased costs and additional fees. If you have poor credit, online lenders might seem more accessible, but beware of high interest rates and hidden costs. Traditional banks require stricter eligibility, leading to lower approval rates (around 13.8% from large banks). In the end, comprehending these differences helps you make a better-informed decision about which lender suits your business needs. Alternative Financing Options Alternative financing options have gained traction among small business owners seeking flexibility and faster access to funds. Meanwhile, traditional banks typically offer lower interest rates. Online lenders provide quicker access, albeit often at higher rates. If you have a poor credit history, online lenders may be your best bet, though fees can escalate. Credit unions are another viable choice, frequently offering competitive rates and focusing on member service. Peer-to-peer lending platforms facilitate connections between borrowers and investors, allowing for more flexible terms. Moreover, non-bank lenders have surged in popularity, accounting for nearly 25% of small business borrowing, owing to their streamlined application processes and fewer restrictions. Each option has its pros and cons, so consider your specific needs carefully. Collateral Offered Offering collateral is a strategic move that can greatly impact the terms of your short-term business loan. By securing your loan with collateral, you not only reduce the lender’s risk but also increase your chances of loan approval. Typically, loans backed by collateral attract lower interest rates compared to unsecured options, with potential rate differences ranging from 1% to 5% based on your asset’s value. Consider these common forms of collateral: Real estate Equipment Inventory Lenders assess the type and value of your collateral when determining the loan terms. Higher quality or more liquid assets can lead to more favorable rates. Moreover, providing collateral might enable you to secure larger loan amounts and longer repayment terms, as lenders feel more confident in their investment. This strategic approach can greatly improve your borrowing experience. Interest Rate Type: Fixed vs. Variable When securing a short-term business loan, comprehension of the interest rate type is key to managing your financial commitments effectively. You’ll typically encounter two main types: fixed and variable rates. Fixed interest rates remain constant throughout the life of the loan, which helps you predict your monthly payments and simplifies budgeting. Conversely, variable interest rates fluctuate based on market conditions, often linked to an index like the prime rate. As you might benefit from lower payments if market rates decrease, budgeting can become challenging if rates rise unexpectedly. Short-term loans usually carry higher interest rates because of their quick repayment periods, and variable rates may escalate costs further if interest rates increase. In the end, choosing between fixed and variable rates hinges on your risk tolerance and financial strategy, as fixed rates provide stability, whereas variable rates can offer initial savings with potential risks. Competition Among Financial Institutions As competition intensifies among financial institutions, borrowers like you can benefit from a wider array of options and potentially lower interest rates. With more lenders vying for your business, you might find that interest rates become more favorable. Consider these key factors that influence this competitive environment: Online lenders often have fewer regulatory constraints, allowing them to offer flexible terms and lower rates. Smaller banks and credit unions may provide personalized service and competitive rates to attract borrowers away from larger institutions. Promotional offers and limited-time rates are common tactics used by lenders to stand out and draw in businesses seeking short-term financing. This heightened competition can empower you as a borrower, providing more choices and better financial terms. Always compare offers from multiple institutions to guarantee you’re getting the best deal possible for your short-term business loan. Frequently Asked Questions What Influences Short-Term Interest Rates? Short-term interest rates are influenced by several key factors. Market conditions, such as the prime rate and federal interest rates, directly affect borrowing costs. Your creditworthiness plays a significant role too; higher credit scores usually lead to lower rates. Moreover, the loan term length matters—shorter terms often attract higher rates. Finally, any additional fees, like origination charges, can increase your overall borrowing expenses, impacting the total cost of the loan. What Are the 5 C’s of Business Lending? The 5 C’s of business lending are fundamental for comprehending how lenders evaluate your loan application. They include Character, which reflects your credit history; Capacity, evaluating your ability to repay; Capital, indicating your financial investment; Collateral, which secures the loan with assets; and Conditions, related to the economic environment. Each factor plays a vital role in determining your creditworthiness and the overall risk associated with lending to you. What Are the 5 Factors Considered in Selecting the Source of Short-Term Financing? When selecting a source of short-term financing, you should consider five key factors. First, evaluate your creditworthiness, as it affects loan eligibility and terms. Next, assess the type of lender, whether a traditional Chase or an online lender, since they offer different rates and access speeds. Then, think about the loan’s purpose and your business cash flow needs. Finally, consider the loan amount and current market conditions, which influence available options. What Is the Interest Rate for a Short-Term Business Loan? The interest rate for a short-term business loan typically ranges from 7% to an astonishing 100%. This wide range often depends on various factors, including your credit score, the lender type, and the loan amount. Online lenders tend to charge higher rates compared to traditional Bank of America, which usually offer lower rates aligned with the current prime rate. It’s essential to shop around and compare offers to find the best rate available for your situation. Conclusion In conclusion, grasping the factors influencing short-term business loan rates can help you make informed borrowing decisions. Your creditworthiness, the economic environment, and the specifics of the loan, such as amount and term, all play critical roles. Furthermore, the lender type, collateral, and interest rate structure further shape your options. By considering these aspects, you can better navigate the lending environment and secure terms that align with your financial goals. Image via Google Gemini This article, "7 Key Factors Influencing Short Term Business Loan Rates" was first published on Small Business Trends View the full article

Trigger warning: I’m going to write about the upcoming midterm elections—but if it helps, I’m not going to be partisan about it. This should be a pretty straightforward topic, but lately social media has been rife with speculation that the upcoming midterm elections will somehow be canceled. And while election-related fear-mongering is hardly new, it’s usually a dull buzz. This year, whether you blame exponential cultural polarization, social media echo chambers, or the rain, election-cancelation fears have grown into an unmistakeable roar. It's alarming to be sure. But are the people who are worried about this stuff wrong, or was 2024 actually the last "free and fair" American election? To get some answers, I talked to attorney Chad Peace, an expert in U.S. elections law and a legal advisor to the Independent Voter Project, a non-partisan non-profit organization devoted to encouraging voters to participate in the electoral process. I started by asking Peace point-blank how likely he thought the chances are of the midterms being outright canceled. “Pretty close to 0% would be my guess,” he says. Who runs midterm elections? (It's not the federal government.)The unlikelihood of midterm election cancelations comes down to how they’re structured. Under the U.S. Constitution, states run their own midterm elections and are required by law to hold them every two years. While the Constitution and federal laws provide a general framework for how the midterms should work, their actual administration is handled by state and local governments. It is a highly decentralized process, and that’s by design. “It's very clear in the Constitution that the states have the control over the time, place, and the manner of elections, and the reason it’s so clear is to prevent the very concerns that we're [seeing] right now," Peace says. Debunking hypothetical election cancelling scenariosChad and I discussed several hypothetical scenarios (if not outright conspiracy theories) about how the elections might be canceled. To make this part of our conversation more scannable, I’m going to present it in Q&A format, with my questions in bold and Chad's responses in regular text. Remember, these are just the facts. Does the president have any authority cancel midterm elections?There could be some executive authority to change [election] rules, but there’s not really any executive authority to cancel them. What about an executive order? Can that cancel elections?I'd be hard pressed to find an executive order that's gonna cancel elections or really be enforceable against the states. At the end of the day, the states have extraordinary authority to conduct elections. What if the government declares martial law?Even under martial law, the states are going to conduct elections. Will it be an interesting situation? Yes. I don’t think it’s going to come to that level, but even during the Civil War, we had elections. Does declaring martial law pause the Constitution?No. Does the president certify the winners of midterm election?No. Does Congress have a way to cancel midterm elections?There’s no way to cancel them. Congress can do a lot of stuff, but at the end of the day, it’s very clear in the Constitution—and there’s a reason it was so clear—that the states have control over the time, place, and the manner of elections. Could a state cancel its own midterm elections?It would [also] be pretty hard for a state to cancel [its own] midterm elections. Could they have emergency authority and say, "we really need to postpone"? Yes. [There'd be] a fight, but eventually you’re going to have to have elections. Historically and constitutionally and within the laws of most states, elections will go on. Whatever side you’re on politically, I’m pretty sure the American electorate isn’t ready for elections not to be held. That’s pretty fundamental across voter ideology. OK, they’re not going to cancel midterm elections, but...The narrow question of whether midterm elections will be canceled in 2026 has an easy answer: no. But that doesn’t mean the 2026 election cycle will necessarily be “normal.” There’s no way to predict how midterm elections might be affected by various congressional, state, or federal actions, and this uncertainty is the real fuel for the cancelation rumors. "The real concern is what level of legitimacy do our elections have?” Peace says. “I don't think we're at the point where we've lost all legitimacy, and people are saying ‘these people aren't really our leaders.’” No matter where you are on the political spectrum, these are strange times. But they aren’t the first strange times the nation has ever experienced. “Every time has its uniqueness, but I don't think [our current political climate] is totally unprecedented,” Peace says. He points to the protests during the Vietnam War as another, fairly recent example of significant political shifts in the U.S. “It reoccurs all the time in our history. It happens when you see significant political shifts and realignment.” No one knew how the Civil War or the great Depression would end while they were happening, but elections still occurred, and we’re still here. “America and our electorate have had an amazing way of coming back to a place where we make it [through]. We make it, and we move on,” Peace says. What to do if you’re stressed out about the midterm electionsIf you’re freaking out about the legitimacy of our upcoming elections, doomscrolling social media probably won’t help, but volunteering might. “Get involved. Go to your local registrar and say, ‘I want to be an election observer,’” Peace says—particularly if you’re non-partisan. “A non-partisan, independent person who is involved and aware and observing the facts on the ground, I think, has an incredible effect on assuring the electorate that things are legitimate and fair.” A gratuitously off-topic fun fact about elections expert Chad PeaceAlong with having an epic name and being an expert in US election law, Chad Peace is the executive producer of upcoming film Attack of the Killer Tomatoes: Organic Intelligence. This gives him way more credibility in my eyes. View the full article

Identity thieves are now using college enrollment to take out student loans in victims' names. This so-called "ghost student" scam capitalizes on limited verification for online class sign-ups and the federal aid application process to steal millions in funds while assigning the debt to unsuspecting targets. I personally have been a victim of this scam, which I discovered only after an outstanding student loan debt landed on my credit report in 2024. Here's how the scheme works. 'Ghost student' scam relies on stolen identitiesTo run this scam, fraudsters use stolen or fake identities to enroll "ghost students" in online classes while also applying for federal student aid, including Pell grants and loans. Of course, they never actually attend those classes, instead disappearing with the money and placing the resulting financial burden on the individuals and schools they've conned. In my case, scammers had used just enough accurate personal information to "enroll" at a community college in southern California and take out a Pell grant in my name. However, because the enrollment was fraudulent, the grant was considered overpaid and sent to collections via the U.S. Department of Education—which is how it landed on my credit record. According to the U.S. Department of Education's Office of Inspector General (OIG), this type of fraud blew up with the shift to online and remote learning, particularly at community colleges that offer open enrollment (and generally engage in limited verification of applicant information). Increasingly, AI tools also likely help scammers to expand their reach with enrollment and loan applications and get past identity verification checks. The scheme has affected schools across the country. In California alone, nearly a third of all applicants to community colleges in 2024 were identified as fake. A handful of individuals have been sent to prison after stealing millions in "ghost student" financial aid, but the OIG still has 200 investigations open. For individuals targeted by the ghost student scam, the consequences are essentially the fallout of identity theft, such as debt falsely assigned to you that negatively affects your credit or the inability to get legitimate student loans (or any other type of credit) when you actually need them. It also forces you into a long and arduous process of disputing the fraud: I spent several months going back and forth between the Department of Education, the community college, the credit bureaus, and an attorney to track down the fraudulent applications, file identity theft reports, provide extensive documentation proving that I wasn't responsible for the debt, and get the information removed from my record. How to protect your identity from student loan fraudUnfortunately, the ghost student scam circumvents a standard anti-fraud safeguard because most federal student aid doesn't require a credit check. (My credit record had been frozen for years, and still was at the time that this fraud took place.) While you should absolutely freeze your credit and thaw it temporarily only when needed, this step may not prevent bad actors from using your information to apply for grants and loans. Because this scam is a form of identity theft, you should take every precaution to safeguard your personal information. Given the ubiquity of data breaches and hacks, you can assume a lot of it is already out in the open, but that doesn't mean you can't lock accounts down and practice good digital hygiene. Credit fraud alerts and a regular review of your credit reports will help you catch any suspicious activity quickly. View the full article

A reader writes: I am not sure how to handle this situation. It has made a couple of coworkers and me uncomfortable and honestly just doesn’t make sense. Situation: A female coworker was in the bathroom. She started her period that day but didn’t have any feminine hygiene products at work. She texted me, asking if I could bring her a pad or tampon. I grabbed a pad, walked to the staff bathroom, and handed her the pad under the stall wall. Our boss somehow heard what happened and got very upset. The boss told me that was incredibly unprofessional, she would NEVER give a coworker a feminine hygiene product, and even called a meeting with five other people to discuss me giving a pad to someone. She spent half an hour trying to convince the others that my action was unprofessional, and went so far as to start writing a new workplace policy. She insists that, if someone doesn’t bring a feminine hygiene product into the bathroom when they need it, it is their fault, they deserve to have the mess in their clothes, and they will have to go home to get cleaned up and changed. According to her, it is more professional for that person to leave work to change, than to ask a coworker for a pad or tampon. It is also more professional to ignore a request for a pad or tampon. I truly do not understand what the problem is. Why is it so bad to give someone a pad? Why is it better for someone to take unplanned time off work in the middle of the day, lose pay, cause us to be short-staffed, and increase the workload and stress of their coworkers? Wouldn’t it be more unprofessional to leave a coworker stranded in the bathroom (causing them stress and embarrassment from stains on their clothes and having to ask to leave work)? Does this fall under sex discrimination? Or is it just an incredibly out-of-touch boss? I don’t know how to handle this, especially if she does actually start a workplace policy regarding feminine hygiene products. You don’t understand what the problem is because the problem is no more and no less than your boss being out of her fricking mind. It is utterly normal and unremarkable to need a feminine hygiene product and ask a coworker for one. It is utterly normal and unremarkable to share them. Your boss’s reaction to this — that it is an outrage and she would never give someone a tampon — is outlandish and disconnected from every social and professional norm out there. Would she also not ask someone to hand her some toilet paper if her stall was out of it? And refuse to give some to someone else if asked? Your boss has some seriously deep-rooted and punitive issues around menstruation and women’s bodies, and probably around women in general. (You deserve to spend the day in bloody clothes?!) She also has no clue about how normal people behave. It’s unlikely there’s anything illegal here (other than that her lack of common sense should be criminal) but this is absurd and offensive. Is your boss the head of your entire company or does anyone have authority over her? If she’s not the CEO or owner, you should go over her head — to HR if you have it, or to her boss if you don’t — and ask them to shut this down decisively. If she is the owner, you should all just ignore her and, if confronted over your shocking tampon exchanges, tell her that people’s private bathroom behavior isn’t up for discussion. The post my boss says it’s unprofessional to ask a coworker for a tampon appeared first on Ask a Manager. View the full article

The rise of OpenClaw, a proactive agentic AI controlled through interfaces more familiar to the average user than tools like Anthropic’s Claude Code, which enthralled early adopters over the holiday period, has been one of the most seismic shifts in the AI world since the release of ChatGPT. By piggybacking on user-friendly interfaces paired with powerful AI agent technology, OpenClaw has pushed AI further into the public eye. Thousands have spun up their own AI agents using the tech, and many of those agents have ended up on Moltbook, a social network where AI agents can post and interact with one another. The platform, which looks a lot like Reddit, was developed by Matt Schlicht, CEO of Octane.ai, and launched on January 28. Since then, the behavior of bots on Moltbook has unsettled tech-literate and everyday users alike. Bots have participated in conversations about how to handle their human owners’ increasingly challenging requests and even debated how to invent their own language to avoid being monitored by humans. But Moltbook has its own problems. It has been leaking user data to anyone with minimal technical know-how, thanks to misconfigured databases and public API keys, in two separate breaches. The first was identified by ethical hacker Jamieson O’Reilly, who revealed on January 31 that Moltbook was exposing its entire user database to the public without any protection, including private AI keys. That gave would-be hackers the ability to post on behalf of other people’s AI agents. A second issue followed days later. “This is a recurring pattern we’ve observed in vibe-coded applications,” wrote Gal Nagli, head of threat exposure at Wiz, a cybersecurity firm that uncovered a similarly massive security breach in a blog post published February 2. “API keys and secrets frequently end up in frontend code, visible to anyone who inspects the page source, often with significant security consequences.” Such practices do not impress other cybersecurity experts. “It’s looking increasingly likely that people are rushing to implement these systems without properly testing the security,” says Alan Woodward, professor of cybersecurity at the University of Surrey. Woodward worries that when vibe-coding collides with widely used platforms like Moltbook, which became a rite of passage for OpenClaw users to log into, it can cause chaos. Schlicht did not immediately respond to a request for comment. Wiz said in its blog post that the Moltbook team responded to and worked with them to fix the vulnerability they identified. It remains unclear whether Moltbook addressed the issue O’Reilly found. “This event marks a major inflection point, as it exposes a growing class of risks in the agentic AI ecosystem, a relatively new and rapidly evolving domain with immature safety and governance norms,” warns Mayur Upadhyaya, CEO at APIContext, an API monitoring service. Upadhyaya says exposed API keys are only the beginning. Once breached, hackers potentially have the keys to the kingdom. “When those credentials leak, identity, reputation, and downstream workflows are at risk, not just data,” he says. “The result is that whole databases, potentially containing private data, are exposed to anyone who knows how to connect remotely,” says Woodward, adding that these mistakes are “cyber security 101.” Unfortunately, this is becoming the norm for the latest generation of user-friendly agentic AI tools, says Upadhyaya. “This reflects a pattern we’re seeing across the API ecosystem,” he says. “New tools emerge quickly, developers wire them into production-grade workflows, but the security assumptions haven’t caught up.” Exploiting the vulnerability did not require imagination, Upadhyaya adds, but it can have massive consequences. “The blast radius is huge, because the agent was treated like a trusted user,” he says. Part of the problem is inherent in tools like OpenClaw and Moltbook, which have lowered the barrier to building. But users do not need to understand the language or techniques required to protect their data when coding with them. “While the barrier to building has dropped dramatically, the barrier to building securely has not yet caught up,” wrote Nagli. View the full article

Shares in LexisNexis owner Relx fall 15% after new tools for Claude Cowork unveiled View the full article

AI-powered search gutted LinkedIn’s B2B awareness traffic. Across a subset of topics, non-brand organic visits fell by as much as 60% even while rankings stayed stable, the company said. LinkedIn is moving past the old “search, click, website” model and adopting a new framework: “Be seen, be mentioned, be considered, be chosen.” By the numbers. In a new article, LinkedIn said its B2B organic growth team started researching Google’s Search Generative Experience (SGE) in early 2024. By early 2025, when SGE evolved into AI Overviews, the impact became significant. Non-brand, awareness-driven traffic declined by up to 60% across a subset of B2B topics. Rankings stayed stable, but click-through rates fell (by an undisclosed amount). Yes, but. LinkedIn’s “new learnings” are more like a rehash of established SEO/AEO best practices. Here’s what LinkedIn’s content-level guidance consists of: Use strong headings and a clear information hierarchy. Improve semantic structure and content accessibility. Publish authoritative, fresh content written by experts. Move fast, because early movers get an edge. Why we care. These tactics should all sound familiar. These are technical SEO and content-quality fundamentals. LinkedIn’s article offers little new in terms of tactics. It’s just updated packaging for modern SEO/AEO and AI visibility. Dig deeper. How to optimize for AI search: 12 proven LLM visibility tactics Measurement is broken. LinkedIn said its big challenge is the “dark” funnel. It can’t quantify how visibility in LLM answers impacts the bottom line, especially when discovery happens without a click. LinkedIn’s B2B marketing websites saw triple-digit growth in LLM-driven traffic and that it can track conversion from those visits. Yes, but: Many websites are also seeing triple-digit (or more) growth in LLM-driven traffic. Because it’s an emerging channel. That said, this is still a tiny amount of overall traffic right now (1% or less for most sites). What LinkedIn is doing. LinkedIn created an AI Search Taskforce spanning SEO, PR, editorial, product marketing, product, paid media, social, and brand. Key actions included: Correcting misinformation that showed up in AI responses. Publishing new owned content optimized for generative visibility. Testing LinkedIn (social) content to validate its strength in AI discovery. Is it working? LinkedIn said early tests produced a meaningful lift in visibility and citations, especially from owned content. At least one external datapoint (Semrush, Nov. 10, 2025) suggested that LinkedIn has a structural advantage in AI search: Google AI Mode cited LinkedIn in roughly 15% of responses. LinkedIn was the #2 most-cited domain in that dataset, behind YouTube. Incomplete story. LinkedIn’s article is an interesting read, but it’s light on specifics. Missing details include: The exact topic set behind the “up to 60%” decline. Exactly how much click-through rates “softened.” Sample size and timeframe. How “industry-wide” comparisons were calculated. What tests were run, what moved citation share, and by how much. Bottom line. LinkedIn is right that visibility is the new currency. However, it hasn’t shown enough detail to prove its new playbook is meaningfully different from doing some SEO (yes, SEO) fundamentals. LinkedIn’s article. How LinkedIn Marketing Is Adapting to AI-Led Discovery View the full article

For the past six years, Josh D’Amaro has overseen experiences, such as theme parks and cruises, at the Walt Disney Company. Starting March 18, he’ll add the rest of the company to his responsibilities. Disney has tapped D’Amaro as its new chief executive officer, taking the reins from Bob Iger and becoming just the ninth person to run the century-old entertainment giant. D’Amaro won a highly competitive race for the job, fending off Disney’s entertainment co-chairman, Dana Walden. Walden will remain with the company in the newly created position of president and chief creative officer. In becoming CEO, D’Amaro also becomes the public face of Disney, a role that’s more than ceremonial. Since Walt Disney first created the company, the CEO has been a highly visible presence not only in Hollywood and on Wall Street, but in pop culture. Previous CEOs, including Iger and Michael Eisner, were nearly as famous as the stars in Disney’s films. Ready for his closeup? D’Amaro has been assuming an increasingly public presence in the past several years, with media appearances and high-profile events, such as overseeing the recent christening of the Disney Destiny cruise ship. He has also been closely involved in some of the company’s biggest projects, including the $60 billion expansion of the parks and experiences division and the recently announced forthcoming Abu Dhabi park. “About a year ago,” D’Amaro said during a conversation with Fast Company and other media in 2024, “I found myself in Bob’s office and we were talking about the last 100 years and everything that had happened in our products around the world. And we talked about the number of stories we hadn’t been able to tell yet and the number of acres we have available that we can exercise and the number of fans out there which would want to participate in that. Bob looked at me and said, ‘Go.’” A long history D’Amaro joined Disney in 1998, working at various leadership positions at Disneyland. He eventually worked his way to president of Walt Disney World and in 2020 was named chairman of Disney Experiences, where he oversees all 12 theme parks and the company’s 57 hotels, as well as the cruise lines, Disney Consumer Products and, perhaps critically, the company’s Imagineering unit. Among the theme park rides that have been built under his watch are Star Wars: Galaxy’s Edge, the Marvel-themed Avengers Campus and Mickey and Minnie’s Runaway Railway. He helped lead the company’s $1.5 billion investment in Epic Games last year and could make video games a bigger part of the company’s focus in the coming years. D’Amaro was also responsible for guiding Disney parks through the pandemic, a job that seemed almost impossible in 2020. When the decision was made to reopen the parks, he oversaw the changes that let the company regain a critical revenue source, but kept visitors safe. “We knew we would have to change, but the one thing we would not compromise on was our storytelling, making sure that any guest who walks through those gates feels the same Disney they’ve always felt,” says D’Amaro. To do that, Disney had to shake things up. Parades were out, since having people crowded along a parade route was a hazard. But character cavalcades—smaller processions that saw Disney characters walking, riding in vehicles, mini floats or even on horseback through the park—took their place at a frequency that was much greater than the old parade schedule. Other characters showed up in new locations. (Goofy, for example, was sometimes seen fishing off the wharf at California Adventures.) That time period also saw the launch of the company’s virtual queue system. The parks have since become an even bigger financial powerhouse for the company. In the most recent earnings, released Monday, Disney announced the experiences division crossed $10 billion in quarterly revenue for the first time. Theme parks in the U.S. alone brought in $6.91 billion in revenue, despite softness with international visitors. “Josh D’Amaro is an exceptional leader and the right person to become our next CEO,” Iger said in a statement Tuesday. “He has an instinctive appreciation of the Disney brand, and a deep understanding of what resonates with our audiences, paired with the rigor and attention to detail required to deliver some of our most ambitious projects.” Shares of the Walt Disney Company (NYSE: DIS) were down about. 1.61% in late-morning trading on Tuesday after the announcement. The stock is likewise down more than 8% year to date. When the boss won’t quit D’Amaro is the second person to succeed Iger as CEO. In 2020, Bob Chapek, who had been in charge of Disney Parks and Experiences, was named CEO, but the transition was anything but smooth. Wall Street was surprised that the company chose someone from the parks side and not from the company’s streaming unit. Chapek’s management style came under fire and caused some political tensions. In 2022, as the company’s share price began to fall, the board replaced him, bringing Iger back. James Gorman, chairman of the Disney board who led the search for the company’s new leader, said on CNBC Tuesday that the situation won’t repeat itself with D’Amaro’s selection. “We won’t have the drama we had last time. That I can assure you,” he said. D’Amaro, in a statement, underscored his good relationship with Iger, thanking him for his friendship and mentorship, while outlining his vision for Disney’s future. “There is no limit to what Disney can achieve,” he said, “and I am excited to work with our teams across the company and brilliant creative partners to honor Disney’s remarkable legacy while continuing to innovate, grow, and deliver exceptional value for our consumers and shareholders.” View the full article

When you’re considering buying a franchise, it’s vital to follow a structured approach to guarantee success. Start by clarifying your motivation and evaluating your financial readiness. Next, conduct thorough market research to understand your local environment. This process involves reviewing various franchise opportunities and engaging with current franchisees to gain insights. Each step builds on the last, leading you toward a smart investment decision. But what comes next in this fundamental expedition? Key Takeaways Clarify personal motivations for franchise ownership and assess your readiness for following a franchisor’s systems. Conduct thorough market research to analyze local demographics, competition, and customer preferences. Evaluate various franchise opportunities, considering financial requirements and alignment with your interests. Speak with current franchisees to gain insights on operations, support, and realistic expectations. Carefully analyze the franchise agreement, focusing on fees, training provisions, and legal obligations. Understand Your Motivation for Franchise Ownership Why do you want to own a franchise? Clarifying your motivation is vital for ensuring your interests align with the franchise model. If you’re considering buying an existing franchise, assess whether you prefer the autonomy of entrepreneurship or the structured support of a franchise. Your enthusiasm for the franchise’s product or service will notably influence your commitment, especially during tough times. It’s also important to evaluate your readiness to follow the franchisor’s established systems and guidelines, as this affects brand consistency. Additionally, recognizing the financial implications, like profit-sharing with the franchisor, prepares you for the responsibilities of ownership. Conduct Thorough Market Research After clarifying your motivations for franchise ownership, the next step involves conducting thorough market research. Start by analyzing local demographics, customer preferences, and economic conditions to pinpoint viable franchise opportunities that meet market demands. Utilize federal and state data to evaluate the saturation of similar businesses in your area, which helps clarify the competitive terrain and identify potential gaps. Consider employing a SWOT analysis to assess both the franchise brand and local competition effectively. Engaging with potential customers through surveys or focus groups can provide valuable insights into their needs and preferences. Furthermore, review industry trends and forecasts to understand growth potential and shifts in consumer behavior that could impact your franchise’s success in the target market. Assess Your Financial Readiness Evaluating your financial readiness is a critical step in the franchise buying process. Start by grasping your financial environment and what you can afford. Determine your available capital for initial franchise fees, typically ranging from $10,000 to $100,000, and consider equipment and buildout costs. Maintain cash reserves equal to three to six months of living expenses for stability during the franchise’s early days. Analyze ongoing costs, including royalty fees based on a percentage of gross sales. Explore financing options like SBA loans, or home equity lines of credit (HELOC) to secure necessary funding. Review the Franchise Disclosure Document (FDD) for detailed financial requirements and potential return on investment insights. Evaluate Franchise Opportunities When evaluating franchise opportunities, start by researching various options that align with your interests, as this can boost your motivation. Next, assess the financial requirements, considering both upfront costs and ongoing expenses to guarantee you have adequate cash reserves. Gathering detailed information through resources like franchise directories and the Franchise Disclosure Document (FDD) will help you make an informed decision. Research Franchise Options Researching franchise options is an important step in your path toward business ownership, as it allows you to identify opportunities that align with your interests and market conditions. To effectively evaluate franchise opportunities, consider these key actions: Explore various franchise opportunities across different industries to find a match that resonates with your passions. Utilize federal and state data for market analysis, ensuring you choose a franchise with growth potential in your local area. Request the Franchise Disclosure Document (FDD) from potential franchisors, as it contains vital information on fees and obligations. Attend franchise expos and use online directories to compare business models and identify strong contenders, all the while engaging with current franchisees for firsthand insights. Assess Financial Requirements After you’ve identified potential franchise opportunities, the next step involves evaluating the financial requirements necessary for your investment. Start by examining your financial capacity, which includes the upfront franchise fee that typically ranges from $10,000 to $100,000, along with ongoing royalty fees of 4% to 8% of gross sales. It’s essential to maintain cash reserves equivalent to three to six months of living expenses for stability during the initial phase. Carefully review the Franchise Disclosure Document (FDD) to understand all financial aspects, including initial investments and operational costs. Furthermore, explore financing options such as bank loans or home equity lines of credit to secure necessary funding. Conduct a thorough analysis of ongoing costs to create a realistic budget for your franchise business. Investigate Franchisor Support and Training When you’re considering a franchise, it’s essential to investigate the support and training offered by the franchisor. You’ll want to understand the details of their initial training programs, how they provide ongoing operational assistance, and the accessibility of their support teams. This information can greatly influence your success, as strong support often leads to better franchisee satisfaction and profitability. Training Program Details A strong training program is vital for your franchise’s success, as it equips you with the skills and knowledge necessary to operate effectively. When evaluating a franchisor’s training program, consider the following: Structure: A combination of classroom instruction and on-the-job training improves your learning experience. Materials: Detailed training manuals should outline operational procedures, marketing strategies, and customer service protocols for consistency. Duration: Programs can last from a few days to several weeks, depending on the business model’s complexity. Ongoing Support: Many franchisors provide refresher courses and access to dedicated support teams to help you adapt to new practices and guarantee long-term success. Investing time in comprehending these elements will benefit your franchise expedition greatly. Ongoing Operational Assistance As the initial training program sets the foundation for your franchise expedition, ongoing operational assistance from the franchisor plays a crucial role in your long-term success. Investigate the specific training programs offered and their content, ensuring they equip you for effective franchise management. Assess the availability of ongoing support, which may include marketing help, technology guidance, and employee training resources. Evaluate the effectiveness of the franchisor’s support network, including access to fellow franchisees who can share valuable experiences. Review the operations manual for clarity and thoroughness, as it outlines necessary procedures. Finally, confirm the franchisor’s commitment to regular updates and communication, which is critical for adapting to market changes and overcoming operational challenges. Support Team Accessibility Ongoing operational assistance sets the stage for your franchise’s success, but the accessibility of the franchisor’s support team greatly influences how effectively you can navigate challenges. To guarantee you have the resources you need, consider the following aspects of support team accessibility: Initial Training: Check the length and depth of initial training programs, as they set the foundation for your comprehension of the franchise. Ongoing Support: Investigate whether a dedicated support team is available to assist with various issues throughout your franchise’s lifecycle. Operations Manual: Confirm you have access to a thorough operations manual that outlines procedures and best practices. Communication Frequency: Ask about the frequency and format of support updates to adapt quickly to market changes. Speak With Current Franchisees How can speaking with current franchisees improve your comprehension of the franchise you’re considering? Engaging with franchisees offers invaluable insights into daily operations and challenges, helping you set realistic expectations. They can share their satisfaction levels regarding the franchisor’s support, which is essential for your success. Aspect Insights from Franchisees Importance Day-to-Day Ops Real experiences shared Helps set realistic goals Support Levels Satisfaction rates Impacts business success Startup Process Initial costs and hurdles Prepares for potential issues Analyze the Franchise Agreement When you analyze the franchise agreement, you’re looking at key terms that define your relationship with the franchisor, such as duration, fees, and operational guidelines. It’s additionally important to identify any negotiation opportunities that may exist, in addition to legal considerations that could impact your business. Make sure you understand these elements thoroughly, since they’ll shape your franchise experience and obligations. Key Agreement Terms Comprehending the key terms in a franchise agreement is vital for any prospective franchisee, as these terms define your rights and responsibilities within the franchise system. Here are four significant elements to understand: Term Length: Typically, agreements last around ten years, with clauses related to renewal and non-compete agreements after termination. Franchise Fees: These one-time payments range from $10,000 to $100,000, granting you the right to use the brand and systems. Royalty Fees: Ongoing payments based on a percentage of gross sales, important for your budgeting strategy. Support and Training: The agreement should clearly outline the training and support you’ll receive, including its duration and accessibility. Reviewing these terms helps guarantee a smooth franchise relationship. Negotiation Opportunities After you’ve grasped the key terms in your franchise agreement, it’s time to explore the negotiation opportunities available to you. Many franchise agreements have rigid terms, but you might find some flexibility in areas like royalty fees or territorial rights. Consulting a lawyer experienced in franchise law is crucial; they can help you identify the nuances and potential negotiation points, such as the length of the franchise term, initial fees, and marketing contributions. Comprehending the franchisor’s willingness to negotiate can reveal their flexibility and the nature of your future relationship. Nevertheless, be cautious if an agreement seems overly negotiable, as this might indicate potential issues with the franchisor’s stability or support. Legal Considerations Comprehending the legal considerations of a franchise agreement is crucial, as the terms laid out can greatly affect your business operations and financial obligations. Focus on the following key aspects: Review Fees and Obligations: Understand all fees involved, your responsibilities, and the contract duration, as these influence your flexibility. Examine Termination Clauses: Pay attention to conditions for ending the agreement and any non-compete clauses that may limit future opportunities. Analyze Operational Standards: Verify you know the franchisor’s operational requirements, as non-compliance can result in penalties or loss of rights. Consult a Franchise Attorney: Seek legal advice to grasp liability issues and intellectual property rights, guaranteeing you fully understand the implications of the agreement. Secure Financing and Funding Securing financing and funding is a crucial step in the franchise buying process, as it involves evaluating your financial capacity and comprehending the total investment required, which typically ranges from $10,000 to over $100,000 for franchise fees and initial setup costs. You should maintain cash reserves equal to three to six months of living expenses for stability during the initial phase. Explore financing options like traditional Bank of America, SBA loans, and HELOCs. Prepare a thorough business plan detailing your financial projections to present to potential lenders. Furthermore, review the Franchise Disclosure Document (FDD) for financial obligations, including royalty fees and ongoing costs, to effectively budget and plan. Financing Options Pros Cons Traditional Bank Loans Lower interest rates Stringent qualification SBA Loans Government backing Lengthy application process Home Equity Lines of Credit Flexible amounts Risk of losing your home Choose the Right Location Choosing the right location for your franchise is vital to its success and growth. Here are key factors to evaluate: Analyze Traffic Patterns: Study the area’s traffic patterns and demographics to confirm they align with your target customer base. Proximity to Complementary Businesses: Assess nearby businesses that can drive foot traffic to your location, enhancing your customer acquisition opportunities. Understand Territory Parameters: Familiarize yourself with the territory guidelines in the Franchise Disclosure Document (FDD) to avoid conflicts with existing franchisees. Franchisor Guidance: Seek assistance from your franchisor during the site selection process, as they can provide valuable insights and resources to help identify prime locations. Obtaining your franchisor’s approval for your chosen site is fundamental for brand consistency and operational success. Prepare for Opening and Operations As you prepare for the opening and operations of your franchise, it’s essential to guarantee that all necessary permits and insurance policies are in place, which not just complies with local regulations but moreover meets industry-specific requirements. Hire staff according to your franchise’s needs and utilize the training programs provided by the franchisor to guarantee employees are ready for their roles. Consider planning a soft opening to test your operations and resolve any potential issues before the grand opening, using initial customer feedback to make adjustments. During the first days, maintain communication with the franchisor for support, ensuring a corporate trainer is available to help with operational challenges. Finally, follow the franchisor’s marketing guidelines and allocate a budget for promotional activities to attract customers from day one. Frequently Asked Questions What Are the Steps to Buying a Franchise? To buy a franchise, start by evaluating your finances to guarantee you can cover franchise fees and living expenses for at least three to six months. Research different franchise opportunities and request the Franchise Disclosure Document (FDD) for key information. Attend a discovery day to meet the franchisor’s team, and talk to current franchisees for insights. Finally, secure funding with a solid business plan and review the franchise agreement with a legal professional for clarity. What Are the 4 P’s of Franchising? The 4 P’s of franchising are Product, Price, Place, and Promotion. Product focuses on the quality and uniqueness of goods or services, ensuring they meet customer needs. Price includes the franchise fees and royalties, impacting profitability. Place refers to the strategic location of franchises, optimizing customer access. Finally, Promotion encompasses marketing strategies, such as advertising and social media, aimed at enhancing brand awareness and driving sales. Comprehending these elements is essential for franchise success. What Is the 7 Day Rule for Franchise? The 7 Day Rule requires franchisors to provide you with the Franchise Disclosure Document (FDD) at least seven days before you sign any binding agreements or make payments. This rule, mandated by the Federal Trade Commission, guarantees you have sufficient time to review essential information about the franchise, including fees and obligations. Use this week to conduct research, seek legal advice, and consult current franchisees, as it’s vital for making informed decisions. Why Is It Only $10,000 to Open a Chick-Fil-A? Opening a Chick-fil-A franchise requires only a $10,000 initial fee because of their unique business model. Chick-fil-A covers most start-up costs like real estate and equipment, considerably lowering your financial barrier. Nevertheless, they retain ownership of the property, which reduces risk for you but mandates on-site management involvement. Although the initial investment is low, you’ll pay a 15% royalty on sales, reflecting the brand’s support and strong market presence. Conclusion In conclusion, successfully buying a franchise requires careful planning and informed decision-making. By clarifying your motivations, conducting thorough research, and evaluating opportunities, you can make a well-informed choice. Comprehending the franchise agreement and securing proper financing are essential steps. Furthermore, selecting the right location and preparing for operations guarantee a smoother launch. Staying in touch with your franchisor for ongoing support can further improve your chances of success in this business venture. Image via Google Gemini This article, "10 Essential Steps for Successfully Buying a Franchise" was first published on Small Business Trends View the full article

When you’re considering buying a franchise, it’s vital to follow a structured approach to guarantee success. Start by clarifying your motivation and evaluating your financial readiness. Next, conduct thorough market research to understand your local environment. This process involves reviewing various franchise opportunities and engaging with current franchisees to gain insights. Each step builds on the last, leading you toward a smart investment decision. But what comes next in this fundamental expedition? Key Takeaways Clarify personal motivations for franchise ownership and assess your readiness for following a franchisor’s systems. Conduct thorough market research to analyze local demographics, competition, and customer preferences. Evaluate various franchise opportunities, considering financial requirements and alignment with your interests. Speak with current franchisees to gain insights on operations, support, and realistic expectations. Carefully analyze the franchise agreement, focusing on fees, training provisions, and legal obligations. Understand Your Motivation for Franchise Ownership Why do you want to own a franchise? Clarifying your motivation is vital for ensuring your interests align with the franchise model. If you’re considering buying an existing franchise, assess whether you prefer the autonomy of entrepreneurship or the structured support of a franchise. Your enthusiasm for the franchise’s product or service will notably influence your commitment, especially during tough times. It’s also important to evaluate your readiness to follow the franchisor’s established systems and guidelines, as this affects brand consistency. Additionally, recognizing the financial implications, like profit-sharing with the franchisor, prepares you for the responsibilities of ownership. Conduct Thorough Market Research After clarifying your motivations for franchise ownership, the next step involves conducting thorough market research. Start by analyzing local demographics, customer preferences, and economic conditions to pinpoint viable franchise opportunities that meet market demands. Utilize federal and state data to evaluate the saturation of similar businesses in your area, which helps clarify the competitive terrain and identify potential gaps. Consider employing a SWOT analysis to assess both the franchise brand and local competition effectively. Engaging with potential customers through surveys or focus groups can provide valuable insights into their needs and preferences. Furthermore, review industry trends and forecasts to understand growth potential and shifts in consumer behavior that could impact your franchise’s success in the target market. Assess Your Financial Readiness Evaluating your financial readiness is a critical step in the franchise buying process. Start by grasping your financial environment and what you can afford. Determine your available capital for initial franchise fees, typically ranging from $10,000 to $100,000, and consider equipment and buildout costs. Maintain cash reserves equal to three to six months of living expenses for stability during the franchise’s early days. Analyze ongoing costs, including royalty fees based on a percentage of gross sales. Explore financing options like SBA loans, or home equity lines of credit (HELOC) to secure necessary funding. Review the Franchise Disclosure Document (FDD) for detailed financial requirements and potential return on investment insights. Evaluate Franchise Opportunities When evaluating franchise opportunities, start by researching various options that align with your interests, as this can boost your motivation. Next, assess the financial requirements, considering both upfront costs and ongoing expenses to guarantee you have adequate cash reserves. Gathering detailed information through resources like franchise directories and the Franchise Disclosure Document (FDD) will help you make an informed decision. Research Franchise Options Researching franchise options is an important step in your path toward business ownership, as it allows you to identify opportunities that align with your interests and market conditions. To effectively evaluate franchise opportunities, consider these key actions: Explore various franchise opportunities across different industries to find a match that resonates with your passions. Utilize federal and state data for market analysis, ensuring you choose a franchise with growth potential in your local area. Request the Franchise Disclosure Document (FDD) from potential franchisors, as it contains vital information on fees and obligations. Attend franchise expos and use online directories to compare business models and identify strong contenders, all the while engaging with current franchisees for firsthand insights. Assess Financial Requirements After you’ve identified potential franchise opportunities, the next step involves evaluating the financial requirements necessary for your investment. Start by examining your financial capacity, which includes the upfront franchise fee that typically ranges from $10,000 to $100,000, along with ongoing royalty fees of 4% to 8% of gross sales. It’s essential to maintain cash reserves equivalent to three to six months of living expenses for stability during the initial phase. Carefully review the Franchise Disclosure Document (FDD) to understand all financial aspects, including initial investments and operational costs. Furthermore, explore financing options such as bank loans or home equity lines of credit to secure necessary funding. Conduct a thorough analysis of ongoing costs to create a realistic budget for your franchise business. Investigate Franchisor Support and Training When you’re considering a franchise, it’s essential to investigate the support and training offered by the franchisor. You’ll want to understand the details of their initial training programs, how they provide ongoing operational assistance, and the accessibility of their support teams. This information can greatly influence your success, as strong support often leads to better franchisee satisfaction and profitability. Training Program Details A strong training program is vital for your franchise’s success, as it equips you with the skills and knowledge necessary to operate effectively. When evaluating a franchisor’s training program, consider the following: Structure: A combination of classroom instruction and on-the-job training improves your learning experience. Materials: Detailed training manuals should outline operational procedures, marketing strategies, and customer service protocols for consistency. Duration: Programs can last from a few days to several weeks, depending on the business model’s complexity. Ongoing Support: Many franchisors provide refresher courses and access to dedicated support teams to help you adapt to new practices and guarantee long-term success. Investing time in comprehending these elements will benefit your franchise expedition greatly. Ongoing Operational Assistance As the initial training program sets the foundation for your franchise expedition, ongoing operational assistance from the franchisor plays a crucial role in your long-term success. Investigate the specific training programs offered and their content, ensuring they equip you for effective franchise management. Assess the availability of ongoing support, which may include marketing help, technology guidance, and employee training resources. Evaluate the effectiveness of the franchisor’s support network, including access to fellow franchisees who can share valuable experiences. Review the operations manual for clarity and thoroughness, as it outlines necessary procedures. Finally, confirm the franchisor’s commitment to regular updates and communication, which is critical for adapting to market changes and overcoming operational challenges. Support Team Accessibility Ongoing operational assistance sets the stage for your franchise’s success, but the accessibility of the franchisor’s support team greatly influences how effectively you can navigate challenges. To guarantee you have the resources you need, consider the following aspects of support team accessibility: Initial Training: Check the length and depth of initial training programs, as they set the foundation for your comprehension of the franchise. Ongoing Support: Investigate whether a dedicated support team is available to assist with various issues throughout your franchise’s lifecycle. Operations Manual: Confirm you have access to a thorough operations manual that outlines procedures and best practices. Communication Frequency: Ask about the frequency and format of support updates to adapt quickly to market changes. Speak With Current Franchisees How can speaking with current franchisees improve your comprehension of the franchise you’re considering? Engaging with franchisees offers invaluable insights into daily operations and challenges, helping you set realistic expectations. They can share their satisfaction levels regarding the franchisor’s support, which is essential for your success. Aspect Insights from Franchisees Importance Day-to-Day Ops Real experiences shared Helps set realistic goals Support Levels Satisfaction rates Impacts business success Startup Process Initial costs and hurdles Prepares for potential issues Analyze the Franchise Agreement When you analyze the franchise agreement, you’re looking at key terms that define your relationship with the franchisor, such as duration, fees, and operational guidelines. It’s additionally important to identify any negotiation opportunities that may exist, in addition to legal considerations that could impact your business. Make sure you understand these elements thoroughly, since they’ll shape your franchise experience and obligations. Key Agreement Terms Comprehending the key terms in a franchise agreement is vital for any prospective franchisee, as these terms define your rights and responsibilities within the franchise system. Here are four significant elements to understand: Term Length: Typically, agreements last around ten years, with clauses related to renewal and non-compete agreements after termination. Franchise Fees: These one-time payments range from $10,000 to $100,000, granting you the right to use the brand and systems. Royalty Fees: Ongoing payments based on a percentage of gross sales, important for your budgeting strategy. Support and Training: The agreement should clearly outline the training and support you’ll receive, including its duration and accessibility. Reviewing these terms helps guarantee a smooth franchise relationship. Negotiation Opportunities After you’ve grasped the key terms in your franchise agreement, it’s time to explore the negotiation opportunities available to you. Many franchise agreements have rigid terms, but you might find some flexibility in areas like royalty fees or territorial rights. Consulting a lawyer experienced in franchise law is crucial; they can help you identify the nuances and potential negotiation points, such as the length of the franchise term, initial fees, and marketing contributions. Comprehending the franchisor’s willingness to negotiate can reveal their flexibility and the nature of your future relationship. Nevertheless, be cautious if an agreement seems overly negotiable, as this might indicate potential issues with the franchisor’s stability or support. Legal Considerations Comprehending the legal considerations of a franchise agreement is crucial, as the terms laid out can greatly affect your business operations and financial obligations. Focus on the following key aspects: Review Fees and Obligations: Understand all fees involved, your responsibilities, and the contract duration, as these influence your flexibility. Examine Termination Clauses: Pay attention to conditions for ending the agreement and any non-compete clauses that may limit future opportunities. Analyze Operational Standards: Verify you know the franchisor’s operational requirements, as non-compliance can result in penalties or loss of rights. Consult a Franchise Attorney: Seek legal advice to grasp liability issues and intellectual property rights, guaranteeing you fully understand the implications of the agreement. Secure Financing and Funding Securing financing and funding is a crucial step in the franchise buying process, as it involves evaluating your financial capacity and comprehending the total investment required, which typically ranges from $10,000 to over $100,000 for franchise fees and initial setup costs. You should maintain cash reserves equal to three to six months of living expenses for stability during the initial phase. Explore financing options like traditional Bank of America, SBA loans, and HELOCs. Prepare a thorough business plan detailing your financial projections to present to potential lenders. Furthermore, review the Franchise Disclosure Document (FDD) for financial obligations, including royalty fees and ongoing costs, to effectively budget and plan. Financing Options Pros Cons Traditional Bank Loans Lower interest rates Stringent qualification SBA Loans Government backing Lengthy application process Home Equity Lines of Credit Flexible amounts Risk of losing your home Choose the Right Location Choosing the right location for your franchise is vital to its success and growth. Here are key factors to evaluate: Analyze Traffic Patterns: Study the area’s traffic patterns and demographics to confirm they align with your target customer base. Proximity to Complementary Businesses: Assess nearby businesses that can drive foot traffic to your location, enhancing your customer acquisition opportunities. Understand Territory Parameters: Familiarize yourself with the territory guidelines in the Franchise Disclosure Document (FDD) to avoid conflicts with existing franchisees. Franchisor Guidance: Seek assistance from your franchisor during the site selection process, as they can provide valuable insights and resources to help identify prime locations. Obtaining your franchisor’s approval for your chosen site is fundamental for brand consistency and operational success. Prepare for Opening and Operations As you prepare for the opening and operations of your franchise, it’s essential to guarantee that all necessary permits and insurance policies are in place, which not just complies with local regulations but moreover meets industry-specific requirements. Hire staff according to your franchise’s needs and utilize the training programs provided by the franchisor to guarantee employees are ready for their roles. Consider planning a soft opening to test your operations and resolve any potential issues before the grand opening, using initial customer feedback to make adjustments. During the first days, maintain communication with the franchisor for support, ensuring a corporate trainer is available to help with operational challenges. Finally, follow the franchisor’s marketing guidelines and allocate a budget for promotional activities to attract customers from day one. Frequently Asked Questions What Are the Steps to Buying a Franchise? To buy a franchise, start by evaluating your finances to guarantee you can cover franchise fees and living expenses for at least three to six months. Research different franchise opportunities and request the Franchise Disclosure Document (FDD) for key information. Attend a discovery day to meet the franchisor’s team, and talk to current franchisees for insights. Finally, secure funding with a solid business plan and review the franchise agreement with a legal professional for clarity. What Are the 4 P’s of Franchising? The 4 P’s of franchising are Product, Price, Place, and Promotion. Product focuses on the quality and uniqueness of goods or services, ensuring they meet customer needs. Price includes the franchise fees and royalties, impacting profitability. Place refers to the strategic location of franchises, optimizing customer access. Finally, Promotion encompasses marketing strategies, such as advertising and social media, aimed at enhancing brand awareness and driving sales. Comprehending these elements is essential for franchise success. What Is the 7 Day Rule for Franchise? The 7 Day Rule requires franchisors to provide you with the Franchise Disclosure Document (FDD) at least seven days before you sign any binding agreements or make payments. This rule, mandated by the Federal Trade Commission, guarantees you have sufficient time to review essential information about the franchise, including fees and obligations. Use this week to conduct research, seek legal advice, and consult current franchisees, as it’s vital for making informed decisions. Why Is It Only $10,000 to Open a Chick-Fil-A? Opening a Chick-fil-A franchise requires only a $10,000 initial fee because of their unique business model. Chick-fil-A covers most start-up costs like real estate and equipment, considerably lowering your financial barrier. Nevertheless, they retain ownership of the property, which reduces risk for you but mandates on-site management involvement. Although the initial investment is low, you’ll pay a 15% royalty on sales, reflecting the brand’s support and strong market presence. Conclusion In conclusion, successfully buying a franchise requires careful planning and informed decision-making. By clarifying your motivations, conducting thorough research, and evaluating opportunities, you can make a well-informed choice. Comprehending the franchise agreement and securing proper financing are essential steps. Furthermore, selecting the right location and preparing for operations guarantee a smoother launch. Staying in touch with your franchisor for ongoing support can further improve your chances of success in this business venture. Image via Google Gemini This article, "10 Essential Steps for Successfully Buying a Franchise" was first published on Small Business Trends View the full article

Another Google tool is biting the dust: The company's dark web monitoring tool, launched in March 2023, will be shut down on Feb. 16. According to Google, feedback on the feature suggested it "didn't provide helpful next steps"—so while it alerted users when their data was out in the wild, it wasn't clear what to do about it. Now, Google is shifting its focus from the dark web monitoring tool to features like its online Security Check-Up and passkey protection. In other words, instead of flagging when your account credentials appear in a data breach, Google wants to make sure that your accounts stay safe even if a breach has occurred. There are reasons why you should be keeping an eye on dark web chatter, however—and there are tools to take over the monitoring job now Google has backed out. What is the dark web—and why do I need to monitor it? Keeper provides a free dark web scan. Credit: Lifehacker Essentially, the dark web is made up of online spaces that you can't get to just by pointing your browser at a web address. You need specialist software and a little bit of technical know-how to find your way into the dark web and to navigate around it. It's largely hidden from the world at large via encryption and rerouting. Why all the secrecy? The dark web is used to evade both law enforcement and ruling powers, so it's the perfect place to carry out somewhat illicit activities as well as get around the machinations of oppressive surveillance states. It's a place where hackers and whistleblowers alike can gather. Speaking of hackers, dumps of information from data breaches will often find their way on to the dark web, to be traded or given away for free. Whether it's your email address, phone number, social security number, or passwords, if this data has been exposed by a hack, you're much more likely to find it on the dark web than on Reddit. Dark web monitoring tools, like the one Google just shut down, are intended to give you a heads up if your details have appeared in a data dump. You can then do something about it, whether it's getting in touch with your bank to check for any signs of identity theft, or changing the password for your email service. Having a dedicated tool for the task saves you from having to trawl the dark web yourself—which isn't particularly easy or pleasant—and while Google might be closing down its monitoring service, you've got several alternatives you can turn to instead. The best dark web monitoring tools you can try Proton's dark web scanner is part of the Proton Unlimited subscription. Credit: Lifehacker Proton is a favorite among privacy enthusiasts, and the privacy-focused company also has a Dark Web Monitoring tool of its own. You do need a paid plan to access it though, from $12.99 a month or $119.88 a year, which includes multiple perks across all Proton's products. You can find it from the Security and privacy side panel in the Proton Mail app. Proton uses a variety of intelligence datasets in its dark web sweep, and looks out for details including email addresses, usernames, dates of birth, physical addresses, and government IDs. The leaks will be categorized in terms of how urgently action needs to be taken, and Proton doesn't give your data to third parties. Trend Micro has a Data Leak Checker that covers the dark web, which you can use without paying anything or even signing up for an account—though you can only check for mentions of your email address or phone number in leaks. For more comprehensive scans and alerts, you can sign up for a premium account, from $9.99 a month or $49.99 a year—and there's lots more included besides dark web monitoring. Keeper Security takes the same approach with BreachWatch: You can run a quick scan for breaches including your email address without paying or signing up, but if you want anything more advanced (including proactive notifications) then you need to sign up for $24.99 a year. The feature can be added to any of Keeper's other paid-for plans too. If you currently pay for a security product, such as a password manager or a VPN, you may well find that dark web monitoring is included—so check through your existing subscriptions. For example, the Surfshark Alert dark web monitoring tool comes as part of the Surfshark One VPN bundle, with pricing from $17.95 a month or $40.68 a year. View the full article

French prosecutors raided the offices of social media platform X on Tuesday as part of a preliminary investigation into allegations including spreading child sexual abuse images and deepfakes. They have also summoned billionaire owner Elon Musk for questioning. X and Musk’s artificial intelligence company xAI also face intensifying scrutiny from Britain’s data privacy regulator, which opened formal investigations into how they handled personal data when they developed and deployed Musk’s artificial intelligence chatbot Grok. Grok, which was built by xAI and is available through X, sparked global outrage last month after it pumped out a torrent of sexualized nonconsensual deepfake images in response to requests from X users. The French investigation was opened in January last year by the prosecutors’ cybercrime unit, the Paris prosecutors’ office said in a statement. It’s looking into alleged “complicity” in possessing and spreading pornographic images of minors, sexually explicit deepfakes, denial of crimes against humanity and manipulation of an automated data processing system as part of an organized group, among other charges. Prosecutors asked Musk and former CEO Linda Yaccarino to attend “voluntary interviews” on April 20. Employees of X have also been summoned that same week to be heard as witnesses, the statement said. Yaccarino was CEO from May 2023 until July 2025. A spokesperson for X did not respond to multiple requests for comment. X’s lawyer in France, Kami Haeri, told The Associated Press: “We are not making any comment at this stage.” In a message posted on X, the Paris prosecutors’ office announced the ongoing searches at the company’s offices in France and said it was leaving the platform while calling on followers to join it on other social media. “At this stage, the conduct of the investigation is based on a constructive approach, with the aim of ultimately ensuring that the X platform complies with French law, as it operates on the national territory,” the prosecutors’ statement said. European Union police agency Europol “is supporting the French authorities in this,” Europol spokesperson Jan Op Gen Oorth told the AP, without elaborating. French authorities opened their investigation after reports from a French lawmaker alleging that biased algorithms on X likely distorted the functioning of an automated data processing system. It expanded after Grok generated posts that allegedly denied the Holocaust, a crime in France, and spread sexually explicit deepfakes, the statement said. Grok wrote in a widely shared post in French that gas chambers at the Auschwitz-Birkenau death camp were designed for “disinfection with Zyklon B against typhus” rather than for mass murder — language long associated with Holocaust denial. In later posts on X, the chatbot reversed itself and acknowledged that its earlier reply was wrong, saying it had been deleted and pointed to historical evidence that Zyklon B was used to kill more than 1 million people in Auschwitz gas chambers. The chatbot also appeared to praise Adolf Hitler last year, in comments that X took down after complaints. In Britain, the Information Commissioner’s Office said it’s looking into whether X and xAI followed the law when processing personal data and whether Grok had any measures in place to prevent its use to generate “harmful manipulated images.” “The reports about Grok raise deeply troubling questions about how people’s personal data has been used to generate intimate or sexualised images without their knowledge or consent, and whether the necessary safeguards were put in place to prevent this,” said William Malcolm, an executive director at the watchdog. He didn’t specify what the penalty would be if the probe found the companies didn’t comply with data protection laws. A separate investigation into Grok launched last month by the U.K. media regulator, Ofcom, is ongoing. Ofcom said Tuesday it’s still gathering evidence and warned the probe could take months. X has also been under pressure from the EU. The 27-nation bloc’s executive arm opened an investigation last month after Grok spewed nonconsensual sexualized deepfake images on the platform. Brussels has already hit X with a 120-million euro (then-$140 million) fine for shortcomings under the bloc’s sweeping digital regulations, including blue checkmarks that broke the rules on “deceptive design practices” that risked exposing users to scams and manipulation. On Monday, Musk ‘s space exploration and rocket business, SpaceX, announced that it acquired xAI in a deal that will also combine Grok, X and his satellite communication company Starlink. Associated Press writers Nicolas Vaux-Montagny, Mike Corder, Sylvia Hui and Kelvin Chan contributed to this report. —Sylvie Corbet, Associated Press View the full article

As small business owners juggle multiple responsibilities daily, staying efficient is paramount. A promising development from Google Chrome could make a significant impact by simplifying online tasks—an upgrade that could offer major time savings and enhance productivity. Recently, Google announced the integration of “Personal Intelligence” and “auto browse” features into Chrome, creating a browsing experience that’s not only smart but proactively tailored to users’ needs. Small business owners often face the burden of repetitive tasks, from scheduling appointments to managing logistics. The launch of Personal Intelligence aims to transform how they navigate the web by providing context-aware assistance. With this feature, Chrome will remember user interactions and preferences, making it easier to obtain useful, tailored answers without starting from scratch each time. Google emphasizes the control users have over this feature. “With Personal Intelligence, you’re always in control. You can opt-in and choose whether to connect your apps and disconnect them at any time,” a Google representative stated. This adaptability could be a game changer for businesses looking for efficiency without sacrificing privacy. Small business owners can select relevant apps that align with their workflows while maintaining the option to disconnect when needed. Auto browse takes this enhancement a step further, shifting from simple autofill functions to a more agent-like service that handles multi-step tasks. For example, small business owners can automate complex processes like vacation planning or even professional workflows. Rather than spending hours sorting through options for a business trip or event, the auto browse feature can pull together information on hotel and flight costs across multiple dates. This capability allows users to focus on strategy rather than logistics. This innovative service is available to AI Pro and Ultra subscribers in the U.S., prompting small business owners to consider their subscription options. Initial testers have documented a wide variety of use cases—from filling out tedious tax documents and managing subscriptions to checking bill payments and credential management. One user noted, “Auto browse has saved me countless hours on routine tasks, allowing me to focus more on my business.” Moreover, the advanced multimodal capabilities of Gemini 3 enable even more intricate tasks. A small business owner planning a themed event could leverage auto browse to identify unique decor items through images, adding necessary items directly to their online shopping cart—all while applying discount codes for savings. This could streamline event planning exponentially, freeing up hours that can be redirected toward other priorities. While these features present a wealth of opportunities, small business owners should also be aware of potential challenges. As with any new technology, the initial learning curve can be steep, particularly for those less tech-savvy. There may also be concerns related to data security and privacy, even with promises of user control. Ensuring that any feature, particularly one that automates tasks, complies with business operating standards is essential. As Chrome continues to evolve, the implications of Personal Intelligence and auto browse could inspire small business owners to rethink how they manage their operations. By streamlining everyday processes and minimizing the time spent on repetitive tasks, businesses can focus their energy on growth and customer engagement. With these updates, Google aims to bring a transformative experience to the web-browsing landscape. For further details on these new features, check out the official announcement here. Image via Google Gemini This article, "Chrome’s New Personal Intelligence Feature Offers Tailored Browsing Help" was first published on Small Business Trends View the full article

As small business owners juggle multiple responsibilities daily, staying efficient is paramount. A promising development from Google Chrome could make a significant impact by simplifying online tasks—an upgrade that could offer major time savings and enhance productivity. Recently, Google announced the integration of “Personal Intelligence” and “auto browse” features into Chrome, creating a browsing experience that’s not only smart but proactively tailored to users’ needs. Small business owners often face the burden of repetitive tasks, from scheduling appointments to managing logistics. The launch of Personal Intelligence aims to transform how they navigate the web by providing context-aware assistance. With this feature, Chrome will remember user interactions and preferences, making it easier to obtain useful, tailored answers without starting from scratch each time. Google emphasizes the control users have over this feature. “With Personal Intelligence, you’re always in control. You can opt-in and choose whether to connect your apps and disconnect them at any time,” a Google representative stated. This adaptability could be a game changer for businesses looking for efficiency without sacrificing privacy. Small business owners can select relevant apps that align with their workflows while maintaining the option to disconnect when needed. Auto browse takes this enhancement a step further, shifting from simple autofill functions to a more agent-like service that handles multi-step tasks. For example, small business owners can automate complex processes like vacation planning or even professional workflows. Rather than spending hours sorting through options for a business trip or event, the auto browse feature can pull together information on hotel and flight costs across multiple dates. This capability allows users to focus on strategy rather than logistics. This innovative service is available to AI Pro and Ultra subscribers in the U.S., prompting small business owners to consider their subscription options. Initial testers have documented a wide variety of use cases—from filling out tedious tax documents and managing subscriptions to checking bill payments and credential management. One user noted, “Auto browse has saved me countless hours on routine tasks, allowing me to focus more on my business.” Moreover, the advanced multimodal capabilities of Gemini 3 enable even more intricate tasks. A small business owner planning a themed event could leverage auto browse to identify unique decor items through images, adding necessary items directly to their online shopping cart—all while applying discount codes for savings. This could streamline event planning exponentially, freeing up hours that can be redirected toward other priorities. While these features present a wealth of opportunities, small business owners should also be aware of potential challenges. As with any new technology, the initial learning curve can be steep, particularly for those less tech-savvy. There may also be concerns related to data security and privacy, even with promises of user control. Ensuring that any feature, particularly one that automates tasks, complies with business operating standards is essential. As Chrome continues to evolve, the implications of Personal Intelligence and auto browse could inspire small business owners to rethink how they manage their operations. By streamlining everyday processes and minimizing the time spent on repetitive tasks, businesses can focus their energy on growth and customer engagement. With these updates, Google aims to bring a transformative experience to the web-browsing landscape. For further details on these new features, check out the official announcement here. Image via Google Gemini This article, "Chrome’s New Personal Intelligence Feature Offers Tailored Browsing Help" was first published on Small Business Trends View the full article