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AARP joins suit against Unison HEI model
Unison faces allegations it operates as an unlicensed mortgage lender with misleading marketing that drives homeowners into high-risk "no-debt" contracts. View the full article
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More Americans than ever love being single. They feel penalized for it by our financial system
Single this Valentine’s Day? You’re not alone. New research from The Harris Poll shows that nearly half of Americans (46%) are not in relationships—many of them on purpose. The report, shared exclusively with Fast Company, calls it a “cultural revolution,” where people are using singlehood as a way to prioritize their agency rather than focusing on traditional relationship expectations. Not everyone is staying single, but 80% of Americans say you don’t need marriage to be happy. In fact, singles are more likely than those in relationships to say they live a fulfilling life. More time for friendships—or careers The idea of what makes a fulfilling relationship and life is shifting. Two-thirds of Gen Z are staying single, and percentages across generations are up since 2023. More than three-quarters of Americans want friendships to become a respected form of serious adult relationships. Singles enjoy having the ability to prioritize experiences and personal growth instead of pursuing traditional milestones within a romantic partnership. Driven increasingly by young women, the perception of single status is shifting from a “waiting room” to a complete lifestyle. More than 25% of women prefer being alone, compared to 16% of men. Some research has found that men, in general, experience more benefits than women from being in a relationship, which might explain this discrepancy. While single, men and women have different goals. Single women are more likely to prioritize travel or friendships, while single men are more likely to focus on career advancement. Single people in general love their time and agency. They don’t have to worry about a partner’s financial concerns. They have the flexibility to choose housing that saves money, whether that’s living with family or roommates. They have free time for a side hustle. But some traditional milestones are less accessible to single people. Financial agency allows single people to spend their money how they want, but it has also forced three-quarters of singles to become more financially independent. People might be single and happy about it more than ever, but “the system” is still built around couples. That might be why 80% of singles said they want more “single-friendly” financial benefits like tax breaks, better healthcare costs, or housing programs. The survey of 2,177 U.S. adults was conducted online in January. Of the individuals surveyed, 785 were considered “singles,” defined as single and not dating, or single and dating but not in an official relationship. View the full article
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When You Need to Do 'Activation Exercises' (and When You Don't)
“Activation” exercises are often recommended at the beginnings of workouts. You might get the idea—whether from random TikToks or from a trainer you pay for their expertise—that activations are necessary to get your muscles firing correctly and able to take advantage of the workout to come. That’s not exactly true, though, so let’s dive in to what activations really do. What does it mean to “activate” your muscles?The explanation you’ll hear most often is that our muscles—often specifically our glutes, or butt muscles—“forget” how to fire correctly. But that isn’t really a thing that happens, as physical therapist Tyler Detmer told Lifehacker when discussing so-called gluteal amnesia. Our muscles don’t need specific exercises to be able to contract correctly. But that doesn’t mean activation exercises are useless; it's better to think of these moves as warmups with a specific purpose. As I’ve written before, warmup exercises occupy a spectrum from general (like jogging on a treadmill before squats) to specific (doing lighter squats before doing heavier squats). The warmups that are sometimes called “activation” exercises fall in the middle of that continuum. They can help you to get ready for your heavier exercises of the day, since they’re fairly specific to the muscles involved. If the person who designed your workout is good at their job, they're a great way to prepare for your working exercises. Unfortunately, not all activations are a good use of your time. So here are some of the cases where activation exercises are useful—and some where they aren’t. Activation exercises help you “feel” a muscleIf you’re going to do isolation exercises, it helps to know what it feels like to work the muscle properly. Using glutes as our example again, a side-lying leg raise can be done in ways that really use the glutes (when your leg is slightly behind you) or in ways that distribute some of the load to other muscles (like when your leg is slightly in front of you). When you’re doing those leg raises, you can pay attention to whether you’re feeling your glutes—but to do that, you have to know what it feels like to work your glutes. That’s where activation exercises come in. You do a movement that’s hard to do without using your glutes, and you get to feel the sensations that go along with using that muscle. You might feel a burning sensation as the muscle begins to fatigue, or a tight, full feeling as the muscle fills with fluid (this is what bodybuilders call a “pump”). All of this helps to direct your attention to that muscle and what it feels like. When you do your next exercise, you’ll remember that feeling. Activation exercises are extra workouts in disguiseThe more work you give a muscle, the bigger and stronger it tends to get. We often call that amount of work “volume” and measure that as the number of sets: You’ll build more muscle if you do six sets of squats at each workout than if you only do three. Activation exercises, if they’re challenging enough, can count toward those sets. Imagine we have two people in the gym: One does three sets each of banded walks and single-leg glute bridges (both often classed as activation exercises) before doing three sets of barbell hip thrusts. The other just does the hip thrusts. That first person is giving their glutes more work than the second, regardless of how the exercises are labeled. To use activation exercises this way, though, they have to be challenging. If you do your activations heavy enough that you’re at or near the point of failure by the end of each set, they’re adding to your total volume. But if they’re light and easy and you’re just going through the motions, they aren’t really adding anything. Activation exercises aren’t ever necessary, but they can be helpfulI’ve described a few ways that activation exercises can help in your workouts, but that doesn’t mean that they’re unskippable. You don’t need to feel a muscle working to know that you’re giving it a good workout. And if you’d like to get more volume for a body part, you can do those extra sets before, after, or during your main workout; they don’t have to happen during the “activation” stage at the beginning. So if you haven’t been doing activations, that’s fine. Just make sure you’re warming up in some kind of appropriate way. (If you’re not sure, read through this guide I wrote to putting together an effective warmup. A warmup is about what gets you ready to work, and it should really be personalized to your body and your workout.) But if your trainer has given you activation exercises, or if you’ve seen a few you’d like to try online, go ahead and do them. They’ll give you extra work for the target muscle, and you might find that they help you to feel ready by the time you begin the main sets of your workout. View the full article
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Long-term mortgage rate dips back to just above 6%
The average long-term U.S. mortgage rate is holding at just above 6% after reversing a modest uptick in recent weeks, just as the housing market closes in on the spring homebuying season. The benchmark 30-year fixed rate mortgage rate slipped to 6.09% from 6.11% last week, mortgage buyer Freddie Mac said Thursday. One year ago, the rate averaged 6.87%. The modest pullback brings the average rate back to where it was three weeks ago. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, also edged lower this week. That average rate fell to 5.44% from 5.5% last week. A year ago, it was at 6.09%, Freddie Mac said. Mortgage rates are influenced by several factors, from the Federal Reserve’s interest rate policy decisions to bond market investors’ expectations for the economy and inflation. They generally follow the trajectory of the 10-year Treasury yield, which lenders use as a guide to pricing home loans. The 10-year Treasury yield was at 4.13% at midday Thursday, down from 4.21% a week ago. Mortgage rates have been trending lower for months, helping drive a pickup in home sales the last four months of 2025, but not enough to lift the housing market out of a deep sales rut dating back to 2022, when mortgage rates began to climb from pandemic-era lows. The combination of higher mortgage rates, years of skyrocketing home prices and a chronic shortage of homes nationally following more than a decade of below-average home construction have left many aspiring homeowners priced out of the market. Sales of previously occupied U.S. homes remained stuck last year at 30-year lows. Lower mortgage rates failed to revive home sales last month. They posted the biggest monthly drop in nearly four years and the slowest annualized sales pace in more than two years. This week’s drop in mortgage rates comes two weeks after the Federal Reserve decided to pause cuts to its main interest rate after lowering rates three times in a row to close out 2025 in an attempt to shore up the job market. The central bank doesn’t set mortgage rates, but its decisions to raise or lower its short-term rate are watched closely by bond investors and can ultimately affect the yield on 10-year Treasurys that influence mortgage rates. Economists generally expect mortgage rates to stay relatively stable in the coming months, with forecasts calling for the average rate on a 30-year mortgage to continue to hover around 6%. However, that may not be enough to unlock affordability for many prospective home shoppers, nor encourage homeowners who bought their home or refinanced when rates were sharply lower to sell now and buy at current rates. Nearly 79% of homeowners with a mortgage have a rate below 6%, according to Realtor.com. That’s leading to fewer homes on the market, which helps keep propping up prices. “In short, while the market remains stable, a larger drop in rates will be needed to attract new buyers and sellers and truly reignite the housing market,” said Jiayi Xu, an economist at Realtor.com. —Alex Veiga, AP business writer View the full article
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These popular air purifiers are being recalled over a fire risk
Airova is recalling 191,390 Aroeve air purifiers over concerns that they could “overheat and ignite, posing fire and burn hazards to consumers,” according to a recent notice from the Consumer Product Safety Commission (CPSC). Airova received 37 reports of the air purifiers overheating—including one incident that resulted in a fire—however, there have been no reports of injuries or property damage. The CPSC notice said the popular air purifiers were sold online at Amazon, Shopify, Temu, and TikTok Shop, for between $80 and $134, from September 2024 through June 2025. Airova’s Aroeve units are known for their stylish design, as well as for improving indoor air quality by filtering out smoke, dust, pollen, pet dander, and even odor. Here’s what to know. What air purifiers are recalled? This recall involves black and white Aroeve brand air purifiers that were manufactured before July 2025 and have a serial number starting with “BN.” The model, date code, and serial number are printed on the product label on the bottom of the devices. This recall applies to Aroeve brand air purifiers, and model MK04 only. No other models are included. Brand: Aroeve Importer: Airova Inc. of Newark, California Model Number: MK04 Serial Number Range: Starts with “BN” Manufacturer: Manufactured in China Manufacture Date: Before July 2025 What to do if you own one of the air purifiers Consumers should stop using the recalled Aroeve air purifiers immediately, and contact Airova for a free replacement by sending an email to Aroeve-airpure-recall@outlook.com, or by filling out a product recall form at aroeve.com/pages/product-recall-information. For more information, consumers can visit Aroeve’s website. View the full article
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This Ultra-Wide Samsung Gaming Monitor Is $800 Off During an Early Presidents Day Sale
We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. An ultra-wide curved gaming monitor with ridiculous specs is every gamer's dream, but they (usually) don't come cheap. The 57-inch Samsung Odyssey Neo G9, one of the best ultra-wide gaming monitors on the market, is currently on sale for $1,499.99 (originally $2,499.99 at launch)—that's its best discount this year, according to price-checking tools. Samsung 57" Odyssey Neo G9 Series Dual 4K UHD 1000R Curved Gaming Monitor, 240Hz, 1ms with DisplayPort 2.1, Quantum Mini-LED. $1,499.99 at Amazon $2,299.99 Save $800.00 Get Deal Get Deal $1,499.99 at Amazon $2,299.99 Save $800.00 The Samsung Odyssey Neo G9 Series is not a regular ultra-wide gaming monitor. It has impressive specs, but you'll need a top-notch gaming computer with specific outputs to take full advantage of its 240Hz refresh rate potential. This monitor came out in 2023 with an "excellent" review from PCMag, mainly due to its impressive 7,680 by 2,160 4K native resolution, the ridiculous 57-inch screen size, its great color range and accuracy, the 240Hz refresh rate, and its design. The VA panel also means you get a bright 1,000-nit screen. To make full use of its powerful 240Hz refresh rate, you'll need to use a DisplayPort 2.1, or you'll be limited to 120Hz. You'll also need a powerful modern graphics card that is able to push the frames at a native resolution to max out the monitor's potential. Although it is pricey, this monitor is a great value for the right gamer. You'll need plenty of space to fit a 57-inch screen, as well as a powerful computer to justify using the monitor—if you're not a competitive gamer with a powerful computer, it's probably not worth the price tag. Instead, consider this Asus gaming monitor going for $337.99 (originally $499) right now. Our Best Editor-Vetted Presidents' Day Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $139.99 (List Price $179.00) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $329.00 (List Price $429.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Bose QuietComfort Noise Cancelling Wireless Headphones — $229.00 (List Price $349.00) Dell 16 DC16255 (AMD Ryzen 7 250, 512GB SSD, 16GB RAM, 2K Display) — $649.99 (List Price $869.99) HP Omen 35L (Intel Core Ultra 9 285K, RTX 5080, 2TB SSD, 64GB RAM) — (List Price $3,099.99 With Code "PRESDAYPC100") HP OmniBook X Flip Ngai 16-Inch (AMD Ryzen AI 7 350, Radeon 860M, 512GB SSD, 16GB RAM, 2K Display) — (List Price $649.99 With Code "PRESDAYPC50") Deals are selected by our commerce team View the full article
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CEOs are finally speaking out about ICE. Is corporate activism back?
For weeks, corporate leaders across the country largely stayed silent as immigration officers descended on the city of Minneapolis, eventually killing two civilians. In recent days, however, CEOs and prominent tech figures have slowly raised their voices in protest—though many of them have been careful not to mention President The President by name or directly criticize ICE agents. Over 60 CEOs from Minnesota-based companies—including the likes of Target and 3M—called for “an immediate deescalation of tensions” in a letter on January 25. In leaked comments, tech leaders like Sam Altman and Tim Cook claimed to have spoken to The President, while Altman noted that “what’s happening with ICE is going too far.” In a recent editorial in the San Francisco Standard, LinkedIn cofounder Reid Hoffman called on fellow tech executives to speak out against the The President administration rather than remaining neutral. “January’s tragic events in Minneapolis should end that posture,” he wrote. “We leaders in tech and business have power—economic, social, platform power—and sitting on that power right now is not good business.” Many of the statements from CEOs have faced criticism for not being forceful enough, and tech workers have urged their employers to use their influence to put pressure on the White House. Still, any kind of public comment from corporate leaders represents a shift from the defensive crouch many of them have taken since The President took office, due to fears that they would be targeted by the administration. Fast Company spoke to Ike Silver, a marketing professor at the USC Marshall School of Business, about what to make of business leaders wading into this issue—and why even a muted corporate response indicates the tides may be turning across corporate America. This interview has been edited for length and clarity. Fast Company: How would you characterize the corporate activism we’ve seen from companies under the The President administration? Ike Silver: For a long time, the general status quo marketing strategy advice was: Avoid political issues. Over the course of the last 20 years or so, that landscape has shifted such that consumers demand to know more about where companies stand. People can question businesses, and that sort of thing can go viral. But there have been these shifting market-based incentives for companies to get involved—at least up until November 2024. At that point, there was a shift, and I would attribute that shift to two things: One is that the The President administration has been very vocal and active, both in signaling that it would not tolerate companies that took a political stance it did not agree with, but also actually going through with various executive actions to make life for businesses who speak out more difficult in various ways. We’ve seen things as simple as The President getting on Truth Social and just trashing a company and calling on his followers to boycott, all the way to threats to use the FCC in various ways to block corporate actions. So to my eye, what we’re seeing from business leaders is keeping their fiduciary commitments in mind and being more reticent to respond to consumer demands out of fear of being targeted by the current administration. That kind of targeting can have very real economic costs for companies. The other thing that’s worth mentioning is that The President’s election, I think, signaled a shift in the perceptions of the national mood—it wouldn’t surprise me at all if business leaders looked at The President’s election and thought, well, the tides are moving against some of these liberal causes that we’ve previously taken sides on. So it’s not just threats from the administration, but it’s also a perception that maybe there is less consumer appetite for companies to take sides. There is some research suggesting that, as a general rule, conservatives are a bit less enthusiastic about companies taking political sides, even their side. Liberals tend to demand that companies get involved to a greater extent. We’ve now seen a number of CEOs and business leaders speak out about what’s happening in Minnesota, though some of them have faced criticism for being too neutral. Is this a shift companies have made since The President took office? I think the devastating carnage that we’re seeing out of Minneapolis has spurred some CEOs to speak out. There are CEOs of AI companies coming out and saying, “I tend to be very moderate, but what I’m seeing is very disturbing to me.” And every little statement of that sort kind of adds up and creates a sense that companies are a bit more willing than they’ve been to speak out. Because there are more doing it—and they’re not immediately facing direct punishment from the government—that creates even more safety. Why do you think we’re seeing corporate leaders comment at all on this issue, given the political environment? Public opinion on this issue is much clearer. A big part of what companies do when they decide whether or not to get involved in these issues is thinking about: What percentage of my target market is going to align with what I’m saying, and what percentage of my target market is going to oppose what I’m saying? The combination of outcry on social media, days of activism across the country, the visibility of the protests, the unpopularity of ICE in the wake of some of the videos that we’ve seen coming out of Minneapolis—all of those factors combine to give business leaders the sense that the consumer market will be amenable to them getting involved in this kind of issue. This isn’t going to be Bud Light with Dylan Mulvaney, where half the people respond positively, but half the people respond super negatively. This is the kind of issue where there is a bit more national consensus, at least insofar as people are concerned about the specific tactics that ICE is using for enforcement. It is true that the executive branch is quite powerful, but they still have to admonish companies one by one for this kind of action. If thousands of CEOs are speaking out, the likelihood that any one will be punished is lower. If one actor pokes their head up and says something, then the government can kind of squash that. But it’s much harder to do that when it feels more like the whole business community is taking a stand. Do you think companies feel a moral imperative to speak out about ICE’s actions—that they’re treating this any differently than other political issues? A question that is really hard to answer from the outside is whether any given business leader is speaking out because of their own conscience or because of market forces. My personal perspective is that business leaders typically want to do both. When opinion polling clearly shows that people are against what ICE is doing, CEOs who might already have had reservations about the The President administration’s actions, but who might have felt it would be costly for them to speak out, now have cover to come forward and make a business case for the company taking a stand in some way. You can’t go to your stakeholders and shareholders and say, ‘The government is against us, and it’s not clear if consumers want us to, but my conscience says we have to speak out on this thing at any cost.’ But if you are the kind of CEO who wants to speak your mind, who wants to be able to behave in line with your moral compass, then the fact that the national environment seems to be amenable to that at the moment, can provide cover. That’s not to say that every business leader is doing this for conscience reasons, but given that there are still salient costs and that many CEOs tend to be risk averse at baseline, I think there’s probably a lot of speaking conscience going on right now. How much value is there in corporate leaders speaking out later, once they feel as though the environment is more amenable to it? As more companies come forward, consumers become aware that it’s reasonable to expect companies to come forward, and they start to penalize companies that don’t. The other aspect of this is that if you are late to the party, you’re typically seen as less authentic in your support. I happen to think that we want to have business environments in which companies are encouraged to come forward—that even if you’re late to the party, it’s better that you sort of come forward and stand up for your morals than not. But there’s a consumer skepticism that goes with that. I’m working on a paper that basically argues that for any social purpose activity to go well, the company needs to choose a cause that consumers are aligned with, and they need to communicate an authentic commitment to it. In 2020, there was a lot of public pressure on companies to speak out after George Floyd’s murder. Many of them made bold commitments to diversity, equity, and inclusion and then quietly divested from that work, as we have seen more recently. Do you think this moment is different? I don’t think that it is reasonable to expect that companies will devote all of their resources to fighting every political battle consistently forever. I think what’s important is for consumers who care about issues to help create an environment in which companies are incentivized to get involved—so consistently rewarding companies who do things in line with our values, and trying to move away from spending our money with companies who do things that contravene our values. We’re obviously in an employer’s market right now. Do companies care as much right now about demands from their workforce to speak out on political issues? Companies are somewhat less concerned about this now, in an environment in which employees have fewer outside options. That also relates to the general health of the economy and the rise of AI. There are a number of companies who may legitimately be thinking, if some folks leave because of this, we won’t show up on the cover of The Wall Street Journal over layoffs. As a general rule, it’s harder for employees to leave than it is for customers to leave, so I tend to think that companies are a bit more responsive to the consumer landscape than to the employee landscape. That said, there are some companies who position themselves as being sort of explicitly moral, and those kinds of companies attract people who care about that a lot as employees. I’m thinking about Patagonia, or Ben and Jerry’s, or National Geographic. It also matters a lot what the political makeup of the employee base is. If you’re a large multinational company and you have employees on either side, maybe you’re thinking, our involvement will galvanize some but alienate others, so let’s just stay out of it—even if there are swaths of employees asking us to speak out. In this particular case, the public opinion data suggests that people are quite angry, so companies are in this position to be able to satisfy a lot of different stakeholders. This week, the The President administration pulled hundreds of ICE officers out of Minnesota. Do you think the statements from corporate leaders had any bearing on that decision? And do you expect to see more companies speak out now? Although the administration is quite powerful, they are not at all immune from the costs of contravening public sentiment. The midterms are coming. The President will not be in power forever. If you look at senators and Congress people from more moderate districts, they are speaking out. One thing that’s interesting is that in many cases, these companies are speaking out in the absence of any particular boycotts or consumer pressure on their own brand. There are definitely signals that there is broad consumer sentiment in favor of taking a stand against ICE. But it’s not as if many of these companies speaking out are themselves facing targeted, economically costly boycotts—which I think speaks in favor of the idea that business leaders do care about this issue. Business leaders are people, too. They also don’t like seeing Americans gunned down in the streets. The less you think that a company is in the public eye and expected to speak out about this thing, the more you should kind of assume that when they do speak out, they’re doing it for some moral reasons. Unfortunately, we can’t put a secret camera in these boardrooms that would tell us definitively why companies are doing this. But I generally think it’s a mix of these things. There are market forces, and then there’s also the moral compasses of these CEOs—which are sometimes faulty, but not non-existent. View the full article
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Homes sales fell 8.4% in January despite lower mortgage rates
Sales of previously occupied U.S. homes fell sharply in January as higher home prices and possibly harsh winter weather kept many prospective homebuyers on the sidelines despite easing mortgage rates. Existing home sales sank 8.4% last month from December to a seasonally adjusted annual rate of 3.91 million units, the National Association of Realtors said Thursday. That’s the biggest monthly decline in nearly four years and the slowest annualized sales pace in more than two years. Sales fell 4.4% compared with January last year. The latest sales figure fell short of the 4.105 million pace economists were expecting, according to FactSet. “The decrease in sales is disappointing,” said Lawrence Yun, NAR’s chief economist. “The below-normal temperatures and above-normal precipitation this January make it harder than usual to assess the underlying driver of the decrease and determine if this month’s numbers are an aberration.” Home sales slowed sharply across the Northeast, Midwest, South and West. But sales had their biggest annual and monthly drop in the West, which wasn’t as affected by last month’s winter storm as the other regions of the country. Plus, there’s usually a month or two lag between a contract signing and when the sale is finalized, so many of January’s sales reflect contracts signed late last year. Despite the sharp drop in sales, home prices continued to climb last month. The national median sales price increased 0.9% in January from a year earlier to $396,800. Home prices have risen on an annual basis for 31 months in a row. The U.S. housing market has been in a sales slump dating back to 2022, when mortgage rates began to climb from pandemic-era lows. The combination of higher mortgage rates, years of skyrocketing home prices and a chronic shortage of homes nationally following more than a decade of below-average home construction have left many aspiring homeowners priced out of the market. Sales of previously occupied U.S. homes remained stuck last year at 30-year lows. Sales have been hovering close to a 4-million annual pace now going back to 2023. That’s well short of the 5.2-million annual pace that’s historically been the norm. Still, mortgage rates have been trending lower for months, which helped give home sales a boost in December and brightened the outlook for the upcoming spring home-buying season — at least for home shoppers who can afford to buy at current rates. Many of the homes purchased last month likely went under contract in November and December, when mortgage rates eased to their lowest levels of the year. The average rate on a 30-year mortgage briefly dropped last month to 6.06%, the lowest level since September 2022, according to mortgage buyer Freddie Mac. It has since inched higher, remaining this week at just above 6%, but close to a percentage point lower than a year ago. Even so, affordability remains a challenge for many aspiring homeowners, especially first-time buyers who don’t have equity from an existing home to put toward a new home purchase. They accounted for 31% of homes sales last month. Historically, they made up 40% of home sales. “Today we have minimal foreclosures, housing wealth continues to build out, it’s just that renters who want to become homeowners are finding difficulty,” Yun said. Uncertainty over the job market is also likely keeping many would-be buyers on the sidelines. While the economy has been registering solid growth, the labor market has been sluggish for months. U.S. job openings fell in December to the lowest level in more than five years. And while hiring by U.S. employers was surprisingly strong in January, government revisions reduced the number of jobs created last year to the weakest total since 2020, when the pandemic began. The sales slowdown means more homes are staying on the market longer. There were 1.22 million unsold homes at the end of January, down 0.8% from December and up 3.4% from January last year, NAR said. That’s still well short of the roughly 2 million homes for sale that was typical before the COVID-19 pandemic. January’s month-end inventory translates to a 3.7-month supply at the current sales pace. Traditionally, a 5- to 6-month supply is considered a balanced market between buyers and sellers. More homes traditionally go on the market ahead of the spring home-buying season, which could give prospective buyers a wider selection. “Buyers will find a more favorable market as we head into spring,” said Lisa Sturtevant, chief economist at Bright MLS. “More inventory, lower rates and slower price growth will give buyers more room for negotiation.” —Alex Veiga, AP business writer View the full article
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These digital tools are stepping up the global fight against wildlife trafficking
In late 2025, Interpol coordinated a global operation across 134 nations, seizing roughly 30,000 live animals, confiscating illegal plant and timber products, and identifying about 1,100 suspected wildlife traffickers for national police to investigate. Wildlife trafficking is one of the most lucrative illicit industries worldwide. It nets between US$7 billion and $23 billion per year, according to the Global Environment Facility, a group of nearly 200 nations as well as businesses and nonprofits that fund environmental improvement and protection projects. People buy and sell a wide range of items, including live animals, plant powders and oils, ivory carvings, and musical instruments. Historically, enforcement has been largely reactive. There is so much global trade that fewer than 1 in 10 international cargo shipments of any kind are physically inspected. Traffickers also avoid detection by using false or generic names instead of proper species identification, employing coded language in online listings, rerouting shipments, and shifting to different messaging platforms when enforcement pressure increases. Emerging digital tools are helping authorities link online monitoring, legal reference tools, and on-the-ground investigations. As a researcher at the University of Florida working at the intersection of conservation science and applied technology, I observed these advancements firsthand at an international meeting of governments and partner organizations under the Convention on International Trade in Endangered Species of Wild Fauna and Flora, often known by its acronym, CITES. This treaty—the cornerstone for international regulation of trade in endangered plants and animals—is enforced by national customs and wildlife agencies. AI and digital tools for inspection A huge challenge for officials seeking to prevent wildlife trafficking is knowing where to look—and then figuring out what they’ve found. Cargo screening: Advanced X-ray screeners, similar to those used in airport security but designed for cargo, are being paired with software that helps spot unusual shapes or materials inside packages. Trials conducted at major ports and mail processing centers in Australia have detected animals concealed in various kinds of shipments. The software does not identify species but highlights anomalies, helping inspectors decide which packages deserve closer inspection. Assisted identification: A software program supported by the Chinese Academy of Sciences uses artificial intelligence to help identify the species of animals or animal parts found in shipments. Inspectors can use chatbot-style interfaces to describe what they have found to a system trained on technical documents with detailed descriptions of a wide range of species. This type of work can help inspectors tell the difference between closely related species whose legal protections differ. For example, trade of African grey parrots (Psittacus erithacus) is strictly regulated. There are different, often less stringent protections for similar-looking species, such as the Timneh parrot (Psittacus timneh) and the brown-necked parrot (Poicephalus fuscicollis). Portable DNA testing: Enforcement efforts don’t always happen in offices and labs. One company aims to provide small, handheld kits that can detect up to five species in about 20 or 30 minutes without needing traditional lab equipment. The kits show their results on a simple strip that changes color when the DNA of a particular species appears in a sample. Conceptually, it’s similar to a pregnancy test, which changes color when a hormone is detected. Timber identification: Handheld scanners use software to quickly identify timber species by examining the internal cellular structure of the wood. This can help to distinguish protected hardwoods from legal alternatives in regions where illegal logging is widespread, such as South America, Southeast Asia and Africa. Background research and risk profiling Even before wildlife-related items appear at national borders, there can be signs of illegal trafficking that technology can help identify. Monitoring online trade: Large volumes of wildlife trafficking now occur through online transactions. To avoid detection, sellers often use vague descriptions or coded language, such as listings that omit species names entirely or use emojis instead of words. Others hide key details in images or brief text that say little about what is being sold, even just showing a photo with no description. Anti-trafficking organizations such as the World Wildlife Fund collaborate with tech companies to scan online listings using AI and content moderation tools. Between 2018 and 2023, the tech companies blocked or removed more than 23 million listings and accounts related to protected species, including live reptiles, birds, and primates, and elephant products. Early warnings from paperwork: Shipping documents often provide early warning signs of illegal trade. Wildlife enforcement officers, transport sector personnel, government tax officers, and others are using new software tools to analyze millions of manifests and permits, looking for species names that aren’t usually traded on particular routes; shipments that are unusually heavy or underpriced; and complex routing through multiple transit countries. Instead of inspecting shipments at random, these systems help enforcement agencies identify the consignments most likely to contain illegal materials. Navigating wildlife trade laws: Enforcement officers have to navigate vast legal complexity. New tools seek to compile laws from multiple countries, helping inspectors understand regulations across export, transit, and destination nations. Using trade data to identify other species to monitor: Researchers at the University of Oxford have developed a method that uses wildlife trade records to identify thousands of highly vulnerable endangered species that could benefit from stricter international trade protections and stronger law enforcement to limit exploitation. Taken together, these devices and systems extend—but do not replace—human expertise. They help officers decide which shipments or sites to focus on, identify what they find, and share information internationally. No single technology will end wildlife trafficking, but these digital tools can enable a shift from reactive enforcement toward proactive, coordinated action, helping authorities keep pace with adaptive criminal networks. Eve Bohnett is an assistant research scholar at the Center for Landscape Conservation Planning at the University of Florida. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article
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Estée Lauder tested products sold on Walmart’s site. What it found led to a lawsuit
Estée Lauder has accused Walmart of selling counterfeit beauty goods on its website in a lawsuit filed in California federal court earlier this week that namechecks celebrities including Taylor Swift and Beyoncé. The New York-based beauty giant is taking the big-box retailer to court on grounds of trademark infringement after purchasing, inspecting, and testing products and determining they weren’t actually made by its eponymous brand, along with others that it owns: Le Labo, La Mer, Clinique, Aveda, and Tom Ford. The lawyers for Estée Lauder didn’t hold back, either, shaming Walmart for its business practices. “The conduct herein complained of was extreme, outrageous, fraudulent, and was inflicted on plaintiffs in reckless disregard of plaintiffs’ rights,” the lawsuit reads, in part. “Said conduct was despicable and harmful to plaintiffs and as such supports an award of exemplary and punitive damages in an amount sufficient to punish and make an example of defendants and to deter them from similar such conduct in the future.” The lawsuit goes into detail about the specific products owned by brands under the Estée Lauder umbrella that it deemed counterfeit, including a fragrance from the Le Labo brand, La Mer moisturizer, Clinique eye cream, an Aveda hair brush, and several Tom Ford fragrances. Searches on Walmart.com still generate results for the products that the lawsuit claims are “identical, substantially indistinguishable, or confusingly similar” to the trademarks for the Estée Lauder-owned brands. A 1-ounce jar of Crème de la Mer moisturizer that retails on La Mer’s website for $200, for example, is still available for purchase on Walmart’s website for as little as $146.35 though reviewers for similar products have raised the possibility that they’re counterfeits. ‘ZERO TOLERANCE’ After the lawsuit dropped, the Bentonville, Arkansas-based retailer initially issued a longer statement to some media outliers, including CNBC, that mentioned it doesn’t tolerate “bad actors” on its platform. However, it later shortened the statement to the following, which it issued to Fast Company: “We are aware of the complaint and have zero tolerance for counterfeit products. We will respond appropriately with the court when we are served.” “We are aware of the complaint and have zero tolerance for counterfeit products,” the revised statement read. “We will respond appropriately with the court when we are served.” In September, CNBC published a lengthy investigation about how Walmart’s embrace of third-party sellers on its online marketplace resulted in its seller and product vetting becoming more lax with time, resulting in products later confirmed to be counterfeit. ESTÉE LAUDER ALSO UNDER FIRE Estée Lauder hasn’t exactly been immune to criticism lately. A grassroots effort emerged on social media last month urging people to boycott Estee Lauder products. That came after The Guardian reported in detail last month that President Donald The President was keen for the U.S. to acquire Greenland on the urging of a longtime associate, Ronald Lauder, heir to the founder of the beauty brand’s namesake. One such post on the r/MakeupAddiction subreddit urging people to boycott the company’s many brands has received 7,100 upvotes and more than 650 comments. Estée Lauder didn’t immediately respond to a request from Fast Company for a comment regarding the lawsuit nor the calls for a boycott of its brands. ROSE PRICK VS PICKY ROSE In the case of the Tom Ford fragrances the lawsuit identified “copycat versions” of five, private blend products that it said are “very likely to cause confusion for consumers” given the similar-looking bottles and names to originals. Instead of Tom Ford’s “Rose Prick” fragrance, for example, shoppers on Walmart can snag a bottle of “Picky Rose.” Other fragrances cited include “Intense Peach,” what’s alleged to be a knockoff of Tom Ford’s “Bitter Peach” fragrance. The knockoffs are still available for purchase on Walmart’s website—and for a fraction of the price. For example, Tom Ford sells a 50-millimeter bottle of its “Rose Prick” fragrance for $405. A larger, 80-milimeter bottle of “Picky Rose” is available on Walmart.com for $21.34. CELEBRITY FACTOR Blakely Law Group, which is representing Estée Lauder, specializes in intellectual property law and has previously represented a variety of plaintiffs, including Paris Hilton, who reached an undisclosed settlement with Hallmark in 2010 after the greeting card company used her “that’s hot” catchphrase. In the lawsuit against Walmart, the lawyers mentioned the celebrity factor for only one of its brands. The lawsuit cites Taylor Swift, Beyoncé, Joe Jonas, Sophie Turner, and Gracie Abrams as examples of a “myriad” of celebrities that wear La Labo fragrances, while noting that Beyoncé was shown burning two Le Labo candles in her 2016 visual album Lemonade. The lawsuit doesn’t appear to be a factor for investors at this point. Shares of Walmart have risen more than 1% since last Friday’s close as of mid-day Thursday, while shares of Estée Lauder have surged nearly 9% during that time. 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Leading Thoughts for February 12, 2026
IDEAS shared have the power to expand perspectives, change thinking, and move lives. Here are two ideas for the curious mind to engage with: I. Mark Crowley on being passionately curious: “Something insidious often happens when people become adults. We become almost anti-curious. One big reason for this is that our human egos prefer to feel knowledgeable and successful at all times. Not wanting to feel vulnerable to anything unknown or in flux, our minds silence otherwise solid reasons to seek new methods, approaches, or skills. ‘You’re already doing great,’ our egos assure us. ‘There’s no need to invest time and energy in anything new.’” Source: The Power of Employee Well-Being: Move Beyond Engagement to Build Flourishing Teams II. Todd Henry on knowing yourself: “The stories we believe about how the world works often play a critical role in helping us interpret the meaning of events. It’s important that we gain an understanding of not only what those deeply held beliefs are, but also how they might be affecting our daily activity. Doing so, and then mapping our activity around that self-knowledge, is one of the keys to sustained success.” Source: Die Empty: Unleash Your Best Work Every Day * * * Look for these ideas every Thursday on the Leading Blog. Find more ideas on the LeadingThoughts index. * * * Follow us on Instagram and X for additional leadership and personal development ideas. View the full article
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Best Referral Programs to Boost Earnings
Referral programs can greatly improve your earnings by rewarding both you and your friends for new sign-ups. These programs, like Chime and PayPal, are designed to lower customer acquisition costs as well as increase retention. Comprehending how these systems work and selecting the right ones can maximize your benefits. As you explore the most effective strategies, you’ll discover how to promote your referral links effectively and what trends might shape the future of these programs. Key Takeaways Look for referral programs that offer substantial financial rewards, like Chime’s $100 for both referrer and friend upon meeting criteria. Choose programs with user-friendly sharing tools to simplify the referral process and increase participation. Prioritize reputable companies with high customer trust, as they tend to attract more referrals. Promote your referral links actively on social media and through engaging content to maximize visibility and reach. Regularly monitor your referral earnings and adjust strategies based on performance to optimize income potential. What Is a Referral Program? A referral program is a marketing strategy designed to encourage existing customers to bring in new clients by offering rewards or discounts for successful referrals. These programs often utilize unique referral codes or links, like a fast cash referral code, to track the referrals made by customers. By implementing a referral program, businesses can considerably reduce customer acquisition costs during the process of boosting their customer retention rates. Referred customers typically exhibit a 37% higher retention rate than those acquired through traditional methods. The best referral programs include clear reward structures, enabling participants to earn an instant cash referral bonus, and easy sharing mechanisms. Furthermore, companies can improve brand visibility through effective word-of-mouth marketing, leveraging the trust that comes with personal recommendations. Benefits of Referral Programs Even though many marketing strategies compete for attention, referral programs stand out due to their ability to greatly reduce customer acquisition costs. By leveraging existing customers, you can attract new ones without the hefty price tag of traditional advertising. Customers gained through referrals have a 37% higher retention rate, improving loyalty. Plus, 92% of consumers trust recommendations from people they know, making word-of-mouth incredibly potent. Referral marketing can likewise deliver up to double the customer lifetime value, showcasing its potential for long-term revenue. When you offer compelling rewards, such as those seen in apps like Cash App with referral bonus incentives, you not just boost user engagement but also generate high-value customers. These referral-driven clients yield 16% more profit, reinforcing the idea that cultivating relationships through referrals is a smart, cost-effective strategy. Overall, referral programs can greatly improve your business’s growth and profitability. Successful Referral Programs Examples Successful referral programs highlight how innovative strategies can propel customer growth and engagement. Several companies excel in this area, showcasing effective methods that can improve your earnings. Company Referral Reward Chime $100 for both referrer and friend, requiring a direct deposit of $200 within 45 days. PayPal $5–$20 sign-up bonuses, promoting organic growth of 7-10% daily. Robinhood Free stocks for both parties, appealing to millennials with gamification. Coinbase $200 in Bitcoin for signing up, aligning with the interests of crypto enthusiasts. These examples illustrate how diverse rewards not only attract new users but additionally keep existing ones engaged. By leveraging unique offerings, businesses can cultivate a community that thrives on mutual benefits, eventually leading to sustained growth and loyalty. How to Choose Referral Programs When evaluating referral programs, what factors should you consider to maximize your potential earnings? Start by examining the financial rewards offered. For example, GetResponse provides a $30 credit per referral, whereas Hostinger can give you up to $200 for each friend you refer. Next, look for user-friendly tools that simplify sharing your referral links or codes, as this can boost your participation. Consider the reputation of the companies behind the programs; established brands like Dropbox and Uber often offer reliable customer service. It’s equally important to choose programs that align with your interests, as this can increase your enthusiasm. Finally, scrutinize the terms and conditions carefully to uncover any restrictions on earnings, such as caps or eligibility criteria. Financial incentives Ease of sharing tools Company reputation Personal alignment with interests How to Promote Your Referral Link Promoting your referral link effectively can greatly increase your chances of earning rewards. Start by utilizing social media platforms like Facebook, Twitter, and Instagram. Sharing your link on these networks leverages your existing connections, maximizing visibility. Create engaging content, such as blog posts or videos, to highlight the benefits of the service associated with your referral code, making it more appealing for potential users. Additionally, consider sending out email newsletters to inform your contacts about the referral program. Include a clear call-to-action that encourages them to click on your link. Participate in relevant community discussions and forums, sharing your referral link in a manner that adds value to the conversation without being overly promotional. Finally, track your referral activity through the program’s dashboard to determine which promotional strategies yield the best results, allowing you to optimize your approach for maximum effectiveness. Future Trends in Referral Programs Looking ahead, referral programs are set to embrace digital platforms more than ever, making it easier for you to share and track your referrals through mobile apps. As personalization becomes key, expect customized rewards that resonate with different users, enhancing engagement and driving participation. With these advancements, businesses will leverage improved tracking and analytics to optimize performance and maximize returns on their referral initiatives. Digital Platform Integration As digital platforms continue to evolve, the integration of referral programs into user interfaces is becoming a standard practice, streamlining the sharing process for users. This development improves user experience by simplifying how they share and engage with referral opportunities. Here are some key trends in digital platform integration: Mobile app-based systems leverage push notifications to remind users about referral opportunities in real-time. Improved tracking and analytics tools offer businesses insights into referral performance, enabling data-driven adjustments. Seamless social media integration allows users to promote referral programs without leaving the app. User-friendly interfaces make it easy to share referral links through various messaging apps. These innovations are crucial for maximizing participation and improving referral program effectiveness. Personalized Rewards Evolution With the rise of digital platform integration in referral programs, businesses are now turning their attention to the evolution of personalized rewards as a way to improve engagement. Future referral programs will likely offer customized incentives that align with individual user preferences, enhancing motivation and participation. Companies are expected to utilize advanced analytics to monitor user behaviors, enabling them to customize rewards for specific demographics. AI-driven technologies will facilitate real-time adjustments to these incentives, ensuring they remain relevant to changing consumer interests. Research suggests that personalized rewards could boost participation rates by as much as 30%. Moreover, as social media plays a vital role, brands will focus on creating shareable, personalized experiences that encourage users to promote their referral programs within their networks. Ready to Refer? Have you ever considered how referral programs can boost your income? Getting started is simple, and you can maximize your earnings by following a few key steps. First, choose programs that align with your interests and offer attractive rewards. For instance, GetResponse rewards you with a $30 credit for each referral, whereas Hostinger can earn you up to $200 per friend. Next, sign up to receive unique referral links or codes. Share these easily through social media, emails, or blogs. To improve your success, keep track of your activity with program dashboards and monitor which strategies work best. Here are a few tips to keep in mind: Stay updated on program changes and promotions. Create engaging content that highlights service benefits. Monitor your earnings regularly. Engage with your network consistently. Frequently Asked Questions Which Referral Program Pays the Most? When considering which referral program pays the most, Chime stands out by offering $100 per successful referral, with an annual cap of $500. Hostinger follows closely, providing up to $200 for each referral, alongside a 20% commission on the referred friend’s initial purchase. Robinhood‘s approach is unique, rewarding users with free stocks, sometimes valued at up to $1,500. Wise offers a competitive £50 for each referral, making it a solid option as well. Which App Gives $1000 per Referral? If you’re looking for an app that offers $1,000 per referral, Charles Schwab’s program is worth considering. You can earn this amount when new clients make qualifying deposits. It’s a straightforward process: refer friends, and if they meet the necessary criteria, you’ll receive the bonus. This referral structure not only incentivizes you but additionally encourages your friends to invest wisely. Make sure to check the terms to maximize your earnings effectively. Which App Gives the Best Refer and Earn? When considering apps that offer the best refer-and-earn opportunities, you might want to look at Hostinger, which rewards you with up to $200 for each successful referral, as well as giving your friend a 20% discount. GetResponse provides a $30 credit per referral, and Fiverr offers credits for purchases. Robinhood, targeting younger users, gamifies its program with up to $1,500 in gift stock. Each program has unique benefits worth exploring. What Is the Most Successful Customer Referral Program? The most successful customer referral programs often provide substantial incentives for both the referrer and the new user. Programs like PayPal’s, which offered cash bonuses, and Chime’s $100 rewards for direct deposits, exemplify effectiveness. Dropbox’s storage incentives improve user engagement, as well as Robinhood‘s free stocks attract a younger audience. Airbnb‘s travel credits encourage users to share their experiences, creating a win-win situation. Conclusion In summary, referral programs can greatly improve your earnings by leveraging your network. By comprehending the benefits, exploring successful examples, and selecting the right programs, you can maximize your potential gains. Promoting your referral link effectively is essential for success, and staying informed about future trends will keep you ahead. Whether you’re looking for quick cash or long-term benefits, engaging in these programs offers a practical way to increase your income with minimal effort. Start referring today. Image via Google Gemini This article, "Best Referral Programs to Boost Earnings" was first published on Small Business Trends View the full article
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Own a Chrysler, Dodge, Jeep, or Ram? You may be under a stop-drive warning
Stellantis, the maker of Chrysler, Dodge, Jeep, Ram, issued a “do not drive” warning for certain late-model vehicles, telling drivers not to use their vehicles until defective air bags are replaced, according to a notice from the National Highway Traffic Safety Administration (NHTSA). This stop-drive directive was issued for 225,000 U.S. vehicles from 2003 to 2016 that contain the “defective, deadly” Takata airbag inflators, and is part of a larger, ongoing recall. More than 67 million Takata air bags have been recalled in tens of millions of vehicles across U.S. “Over time, the chemical propellant inside certain Takata inflators can degrade, particularly in hot and humid conditions, increasing the risk of rupture during airbag deployment and the potential for metal fragments to enter the vehicle cabin,” Frank Matyok, a spokesperson for Stellantis, tells Fast Company. Such explosions have caused injuries and death, according to the NHTSA which confirmed 28 people in the U.S. have died as a result of the defective airbag exploding; and injured at least another 400 people. Older vehicles pose a higher risk, as they are more likely to explode. Meanwhile, a separate group of defective Takata air bags were recalled in late 2019 which involve non-azide driver inflators. Which vehicles are being recalled? Stellantis tells Fast Company the affected vehicles are the following: 2003–2016 Dodge Ram pickup trucks and Dodge Sprinter vans 2004–2009 Dodge Durango SUVs 2005–2012 Dodge Dakota pickup trucks 2005–2008 Dodge Magnum station wagons 2006–2015 Dodge Charger sedans 2007–2009 Chrysler Aspen SUVs 2007–2008 Chrysler Crossfire coupes 2008–2014 Dodge Challenger coupes 2005–2015 Chrysler 300 sedans 2007–2016 Jeep Wrangler SUVs What should I do if I own one of the recalled vehicles? A spokesperson for Stellantis tells Fast Company it will fix the vehicles free of charge, and began notifying affected customers earlier this week on February 9. Drivers can also find out if their vehicles are affected by this recall by contacting Stellantis’ customer service hotline toll-free at 833-585-0144, or by entering their 17-digit vehicle identification number (VIN) at the NHTSA.gov website. View the full article
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What Is the Role of Business Strategy in a Business Plan?
In any business plan, a well-defined business strategy is essential. It provides a long-term vision and a framework for achieving your organizational goals. By outlining competitive advantages and guiding resource allocation, it guarantees that your daily operations align with broader objectives. Comprehending the role of business strategy can help you navigate market challenges effectively. So, how do you develop and implement a strategy that truly improves your business plan? Key Takeaways Business strategy provides a long-term vision that guides the development of the business plan’s specific actions and resource allocations. It outlines competitive advantages, helping to position the business effectively within the market and attract potential investors. The strategy informs decision-making processes, ensuring alignment between operational tactics and overarching business objectives. It establishes a framework for measuring progress through Key Performance Indicators (KPIs), facilitating ongoing assessment and adjustments. Integrating business strategy into the plan enhances adaptability to market changes, ensuring the business remains responsive and agile. Understanding Business Strategy Grasping business strategy is crucial for anyone looking to develop a successful business plan. The business strategy definition serves as the foundation of your plan, offering a long-term framework for achieving your organizational goals. A solid organizational strategy outlines how to allocate resources effectively during the identification of competitive advantages. This comprehension guides your company development strategy, influencing operational tactics like marketing and sales approaches. By analyzing the market and grasping customer needs, you can guarantee your business plan aligns with the broader vision of your organization. Integrating business strategy into your plan allows for adaptability and responsiveness to market changes, which improves your long-term sustainability and growth potential. In the end, a well-defined strategy is key to your business’s success. The Importance of Business Strategy in a Business Plan A well-defined business strategy plays a fundamental role in shaping your business plan by providing a clear roadmap for achieving your objectives. It outlines how you’ll allocate resources and guarantees alignment between your strategic initiatives and daily operations. Here are three key reasons why a business strategy is vital: Risk Management: It helps you identify potential risks and challenges, allowing you to take proactive measures. Performance Evaluation: A solid strategy provides a framework for measuring progress through Key Performance Indicators (KPIs). Attracting Investment: By clearly defining your value proposition and market positioning, a business strategy improves your business plan’s ability to attract investors and secure funding for growth initiatives. Incorporating a strong business strategy in your business plan is critical for long-term success. Distinguishing Between Business Strategy, Business Plan, and Business Model Grasping the distinctions between business strategy, business plan, and business model is vital for any entrepreneur. The business strategy maps out how you’ll achieve long-term goals and competitive advantage, whereas the business plan details the specific steps and resources needed to execute that strategy. Simultaneously, the business model clarifies how you create and deliver value, showing the interconnections among these three fundamental components of your business framework. Definitions and Key Differences When you’re traversing the terrain of business, it’s essential to grasp the distinctions between business strategy, business plan, and business model, as each plays a unique role in driving success. Here’s a breakdown to help clarify: Business Strategy: This is about long-term vision and guiding decision-making to achieve competitive advantages. It’s dynamic and adaptable to market changes. Business Plan: A detailed roadmap outlining steps and actions for daily operations, financial projections, and market analysis. It’s structured and typically time-bound. Business Model: This defines how your company creates, delivers, and captures value. It serves as the foundation upon which both your strategy and plan operate. Understanding these distinctions improves your business strategy development and aligns your efforts in the direction of achieving your objectives effectively. Interconnections and Dependencies The relationships between business strategy, business plan, and business model are intertwined, each influencing and supporting the others. Comprehending these interconnections is essential for effective organization strategy. Your business strategy for business serves as the framework guiding long-term goals, whereas the business plan details the actions needed for execution. The business model defines how value is created and captured, informing both the strategy and plan. Element Focus Purpose Business Strategy Long-term goals and direction Guide overall organizational success Business Plan Specific actions and logistics Implement the business strategy Business Model Value creation and delivery Foundation for strategy and planning Recognizing these relationships helps you navigate complex business environments effectively. Purpose and Focus Areas To effectively distinguish between business strategy, business plan, and business model, it’s crucial to recognize their unique purposes and focus areas. Comprehending what’s a company strategy helps you grasp how it sets long-term goals, whereas the business plan outlines actionable steps to achieve those targets. Here are three key distinctions: Business Strategy: This focuses on overall direction, resource allocation, and competitive advantage, adapting to market changes. Business Plan: This details operational logistics and market positioning, typically covering a short to medium-term timeframe. Business Model: This explains how a company creates, delivers, and captures value, working in tandem with both business strategy and business plan for execution. Recognizing these differences is crucial for effective organizational strategic alignment. Key Components of a Business Strategy Comprehending the key components of a business strategy is vital for any entrepreneur looking to navigate the intricacies of the market effectively. One fundamental aspect is identifying what’re the strategic elements through a SWOT analysis, which highlights strengths, weaknesses, opportunities, and threats. This analysis aids in informed decision-making. Furthermore, effective resource allocation is critical; it clarifies existing and future needs to achieve your specified goals. Incorporating elements of competitive advantage, like unique product offerings or superior customer service, will help distinguish your business from competitors. Finally, implementation plans outline actionable steps, timelines, and responsibilities, enhancing accountability and ensuring that your strategic goals are efficiently realized. Each component works together to provide a cohesive direction for your business. Levels of Business Strategy In comprehending business strategy, it’s crucial to recognize the three levels at which it operates: corporate, business, and functional. Corporate strategy focuses on the overall direction and long-term goals of the organization, whereas business strategy zeroes in on competitive tactics within specific markets. Finally, functional strategy guarantees that day-to-day operations align with these broader objectives, creating a cohesive approach to achieving business success. Corporate Strategy Overview During the development of a business plan, comprehension of corporate strategy is essential, as it represents the highest level of strategy within an organization. This strategy focuses on the overall direction and scope of your business to achieve long-term goals. Here are three key aspects to evaluate: Resource Allocation: Corporate strategy guides how you allocate resources among various business lines, optimizing performance across different markets. Mergers and Acquisitions: It encompasses decisions regarding mergers, acquisitions, and diversification, which can improve your competitive position. Alignment with Vision: The effectiveness of your corporate strategy relies on its alignment with the company’s vision and mission, ensuring all units contribute to overarching objectives. Continuous assessment of capabilities and market conditions is essential for maintaining a competitive advantage. Business Strategy Focus Grasping the levels of business strategy is vital for translating the overarching corporate strategy into actionable steps that drive success. Business strategy operates on three distinct levels. At the corporate level, it defines your organization’s long-term direction and resource allocation, ensuring alignment with your mission and vision. The business level focuses on competition within specific markets, analyzing market conditions and competitor behavior to create advantages. Finally, the functional level strategy addresses operational decisions within departments, detailing how each will implement the higher-level strategies effectively. Effective coordination across all these levels is fundamental for achieving overall organizational goals and ensuring that daily operations align with your long-term vision. Comprehending these levels helps you navigate the intricacies of strategic planning. Functional Strategy Importance Functional strategy plays a crucial role in guaranteeing that each department aligns with the broader business and corporate strategies, enabling organizations to implement their plans effectively. This strategy operates at the lowest level, focusing on specific areas like marketing, HR, and operations. Here are three key reasons why functional strategy is important: Alignment: It guarantees each department’s goals support the overall business strategy, promoting cohesion and clarity. Actionable Tasks: Functional strategies translate high-level goals into specific tasks that teams can execute, improving operational efficiency. Performance Monitoring: By establishing clear goals and KPIs, functional strategies allow you to track progress and make adjustments as needed, guaranteeing responsiveness to market changes. Incorporating these strategies improves your organization’s competitive advantage and drives growth. How Business Strategy Guides Decision-Making A well-crafted business strategy is essential for guiding decision-making within an organization, as it aligns your goals with available market opportunities and ideal resource allocation. This strategy informs pricing, helping you position products effectively against competitors during consideration of costs and customer willingness to pay. It furthermore establishes key performance indicators (KPIs) that allow for data-driven adjustments based on market dynamics. By using SWOT analysis, you can make informed decisions that leverage your internal strengths and external opportunities. Moreover, a clear strategy promotes collaboration across departments, ensuring everyone is aligned in their efforts. Aspect Importance Benefit Pricing Strategies Reflects costs and WTP Competitive market positioning KPIs Measures success Data-driven adjustments SWOT Analysis Informs strategic decisions Leverages strengths and opportunities Creating Value Through Business Strategy Creating value through business strategy is crucial for enhancing stakeholder satisfaction and gaining a competitive edge. By aligning your offerings with customer needs, you can boost their willingness to pay as you optimize resource allocation to benefit employees and suppliers. This approach not just supports sustainable growth but likewise guarantees your strategy remains relevant in a constantly evolving market. Stakeholder Value Enhancement Effective business strategies play a crucial role in enhancing stakeholder value by carefully identifying and maximizing the differences between what customers are willing to pay and the actual price of products or services. By focusing on this gap, you can boost customer satisfaction and loyalty. Furthermore, consider these three key aspects: Optimize Profit Margins: Focus on the difference between price and production costs to improve returns on invested capital (ROIC) for long-term profitability. Cultivate Supplier Relationships: Build partnerships and long-term contracts to secure stable supply chains, benefiting all stakeholders involved. Enhance Employee Satisfaction: Implement strategies that increase compensation and benefits, improving retention rates and productivity within your organization. A well-executed strategy guarantees value creation for customers and stakeholders alike, nurturing a sustainable business environment. Competitive Advantage Development Developing a competitive advantage is essential for any business aiming to stand out in a crowded marketplace. A well-defined business strategy helps you identify unique value propositions, such as superior product quality or exceptional customer service, that differentiate you from competitors. This strategy guides resource allocation, enhancing operational efficiency to lower production costs and increase profit margins. You can boost customer willingness to pay through effective marketing and branding, clearly communicating your unique selling points. Analyzing competitors with SWOT analysis identifies growth opportunities and areas to exploit, aiding strategic decisions. In the end, a robust business strategy aligns your goals with customer needs and supplier relationships, nurturing a sustainable competitive edge and increasing stakeholder value over time. Aligning Business Strategy With Organizational Goals Aligning your business strategy with organizational goals is essential for guaranteeing that every action and decision contributes to long-term success. By doing so, you create a unified direction across departments and teams. Here are three key benefits of this alignment: Clear Vision: A well-defined strategy identifies your core values and vision, helping you set measurable objectives that guide operations. Effective Resource Allocation: Integrating your strategy with goals guarantees resources are prioritized for initiatives that support growth and competitive advantages. Adaptability: Regularly reviewing your alignment allows your business to adapt to market changes, mitigate risks, and seize new opportunities, nurturing resilience. Communicating how your business strategy supports organizational goals improves employee engagement, leading to higher performance and satisfaction. The Role of Market Analysis in Business Strategy Market analysis plays a pivotal role in shaping your business strategy, as it provides valuable insights into industry trends, competitive dynamics, and customer preferences. By evaluating these factors, you can make informed strategic decisions and identify growth opportunities. Tools like SWOT analysis help you pinpoint your strengths, weaknesses, opportunities, and threats. For instance, the global sustainable fashion market was valued at $6.45 billion in 2019, with a projected 9% CAGR from 2023 to 2027. Comprehending customer demographics enables you to tailor your offerings effectively, improving satisfaction and loyalty. Continuous market analysis is essential for adapting your strategies to changing preferences, ensuring your business remains relevant and successful. Aspect Description Importance Industry Trends Insights on current and future market Guides strategic direction Competitive Terrain Analysis of competitors and market share Identifies differentiation Customer Preferences Grasping needs and behavior Improves product/service alignment Implementation of Business Strategy in Daily Operations During implementing a business strategy in daily operations may seem intimidating, it’s crucial for guaranteeing that everyone in the organization is working in the direction of the same long-term goals. To make this process smoother, consider these key actions: Communicate Clearly: Confirm all employees understand how their roles contribute to the broader objectives, which promotes accountability. Monitor KPIs: Regularly track performance indicators linked to your strategy, allowing you to make timely adjustments to stay on course. Allocate Resources Wisely: Use your business strategy to guide decisions on project prioritization, focusing on initiatives that support competitive advantages. Measuring the Success of Business Strategy How can you effectively measure the success of your business strategy? Start by establishing Key Performance Indicators (KPIs) to provide quantifiable metrics that track your progress toward strategic goals. Regularly assess KPIs, like revenue growth and profit margins, to identify strengths and pinpoint areas needing improvement. Continuous monitoring guarantees your strategy aligns with overall business objectives and adapts to market changes. Furthermore, analyze customer satisfaction metrics, such as Net Promoter Score (NPS), to gauge how your initiatives impact customer perception. Taking a granular approach by tracking operational efficiency and sustainability metrics supports long-term growth and helps maintain a competitive advantage. Adapting Business Strategy to Changing Environments In today’s fast-paced business environment, adapting your strategy to changing conditions is essential for maintaining competitive advantage. A flexible business strategy allows you to pivot in response to market shifts, improving performance and sustainability. Here are three key steps to take into account: Regular Reviews: Frequently assess your strategy against external factors like competitor actions and technological advancements to stay relevant. Real-Time Data: Leverage data analytics to identify emerging trends and adjust your approach accordingly, boosting responsiveness and agility. Employee Engagement: Involve your team in the adaptation process to promote innovation and align strategies with market dynamics effectively. Prioritizing adaptability can greatly improve your growth and profitability, putting you ahead of competitors. Case Studies of Successful Business Strategies Despite successful business strategies can vary widely across industries, they often share key elements that contribute to their effectiveness. Here are some notable case studies highlighting these strategies: Company Strategy Description Outcome Airbnb Focus on community building and user experience Valuation over $100 billion Apple Continuous innovation and premium pricing Market cap exceeds $2 trillion Netflix Shift from DVD rentals to streaming services 220 million subscribers worldwide Amazon Customer-centric initiatives like Prime Revenue over $469 billion in 2021 Unilever Commitment to sustainability Sales growth of €60 billion in 2020 Frequently Asked Questions What Is the Role of a Business Strategy? A business strategy defines your long-term objectives and the approach you’ll take to achieve them. It helps you allocate resources effectively and gain a competitive edge. By clarifying your goals, a business strategy guides decision-making and operational tactics. It guarantees that your actions align with your vision, facilitating adaptability to market changes. In the end, a strong business strategy lays the groundwork for your operational success and helps sustain growth in a dynamic environment. What Is the Business Strategy of a Business Plan? The business strategy in a business plan outlines your long-term vision and goals. It helps you define your unique value proposition, setting you apart from competitors. By conducting market analyses and SWOT assessments, you identify opportunities and threats that influence your operational and financial objectives. Flexibility is essential, allowing you to adapt to market changes. In the end, your strategy establishes measurable objectives and key performance indicators (KPIs) to evaluate your progress effectively. What Are the 5 P’s of Business Strategy? The 5 P’s of business strategy are Plan, Ploy, Pattern, Position, and Perspective. A Plan outlines your organization’s direction and goals. Ploy involves tactical actions to outmaneuver competitors. Pattern reflects consistent behaviors that shape your company’s culture and strategic approach over time. Position defines how you differentiate yourself in the market, emphasizing unique value propositions. Finally, Perspective encompasses the overarching mindset guiding your strategic choices and influencing decision-making processes throughout the organization. What Is the Primary Purpose of a Business Strategy? The primary purpose of a business strategy is to provide a clear roadmap for achieving long-term goals as well as maintaining a competitive edge. It guides your decision-making, helps allocate resources effectively, and improves value creation for stakeholders. A well-defined strategy identifies your unique value proposition, differentiating you from competitors. Furthermore, it aids in risk management by anticipating market changes, allowing you to adjust plans proactively and drive sustainable growth and profitability. Conclusion In summary, a well-defined business strategy is crucial for any effective business plan. It not just outlines your long-term vision but likewise aligns daily operations with broader organizational goals. By distinguishing between business strategy, business plan, and business model, you can allocate resources efficiently and improve competitive advantages. Regularly measuring success and adapting to market changes guarantees your strategy remains relevant. In the end, a strong strategy raises your business plan, attracting investors and guiding informed decision-making. Image via Google Gemini This article, "What Is the Role of Business Strategy in a Business Plan?" was first published on Small Business Trends View the full article
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In defense of wasting time
For most of modern management history, wasting time has been treated as a vice. This sensibility can be traced back to Frederick Taylor’s doctrine of scientific management, which recast work as an engineering problem and workers as components in a machine to be optimized, standardized, and controlled. In reducing human effort to measurable outputs and time-motion efficiencies, Taylorism marked the beginning of the end for seeing people as thinking agents, turning them instead into productivity units not unlike laboratory rats, rewarded or punished according to how efficiently they ran the maze. Since then, we have come a long way. The post-war rise of the knowledge worker, and later the age of talent that took shape from the 1960s onwards, marked a decisive break with the logic of the factory floor. Work was no longer merely a job to be endured, but a career to be developed. Organizations began to concern themselves with engagement, motivation, wellbeing, and work–life balance, not out of benevolence alone but because value increasingly resided in people’s minds rather than their muscles. Human capital came to mean employability, shaped by intelligence, drive, expertise, and a new, if imperfect, meritocracy that coexisted with vocational careers. The growth of the creative class reinforced this shift: machines would handle the boring, repetitive tasks, freeing humans from the assembly line to think, design, and imagine. The latest iteration of this story is, of course, AI. What makes it different is not merely that it automates standardized and repetitive work, but that it increasingly encroaches on intellectual, creative, and cognitive tasks once thought to be distinctly human. Writing, analyzing, summarizing, designing, even ideating are now faster, cheaper, and more scalable when performed by machines. The irony is hard to miss. Just as work had evolved away from crude measures of output, we find ourselves drifting back towards a Taylorist logic, where value is once again assessed in terms of raw productivity: how much, how fast, how cheaply. Only this time, the benchmark is no longer the stopwatch but the algorithm. Worse still, the machines are not merely competing with us on these terms; they are learning from us how the work is done, refining it, and then doing it better. In the process, the very qualities that once distinguished human work risk being reduced to inputs in someone else’s optimization function. This is widely framed as progress. It may turn out to be a costly misunderstanding. Engineering inefficiencies Deep thinking is inefficient by design. It is slow, cognitively demanding, and frequently unproductive in the short term. Experimentation is worse. Most experiments fail, and even the successful ones rarely succeed on schedule; plus if you know in advance whether an experiment will work, then it’s not truly an experiment. Intrinsic curiosity is even more unruly, leading people into intellectual detours with no obvious payoff. None of this lends itself to neat metrics or reassuring dashboards. From a narrow productivity perspective, it looks like waste. Those inefficiencies are not limited to how humans think. They also define how humans relate to one another at work. Acting human, and especially acting humane, is inefficient by design. Greeting your barista and asking how they are doing slows the line, even as the system is optimized to maximize how many lattes can be poured per hour and you are encouraged to streamline your order through an app. Asking colleagues how they are doing at the start of a meeting consumes time that could otherwise be spent racing through the agenda. Showing genuine interest in others, listening without an immediate instrumental purpose, or helping someone become better at their job often sits well outside your formal goals, your key performance indicators, or your objectives and key results. From a narrow productivity perspective, this too looks like waste. Friction in the system Efficiency, however, is indifferent to relationships. It privileges throughput over connection, output over meaning, and speed over understanding. Optimized systems have little tolerance for small talk, empathy, or curiosity because these behaviors resist standardization and cannot be cleanly measured or scaled. In a perfectly efficient organization, no one asks how anyone else is doing unless the answer can be converted into performance. Help is offered only when it aligns with incentives. Time spent listening, reflecting, or caring is treated as friction in the system. The problem is surprisingly common, namely that when organizations optimize for the system, they often end up sub-optimizing the subsystems within it. This is a familiar lesson from systems theory, but one that is easily forgotten. In the age of AI, the “system” increasingly appears to be designed around what machines do best, while humans are quietly downgraded to a supporting subsystem expected to adapt accordingly. We hear a great deal about augmentation, but in practice augmentation often means asking people to work in ways that better suit the technology rather than elevating the human contribution. Talent, however, will not be elevated if human output continues to be judged by the same raw, quantitative metrics that define machine performance: speed, repetition, and operational efficiency. If you are simply running faster in the same direction, you will only get lost quicker (and maybe even lose the capacity to realize that you are lost). These apparent efficiency measures reward behavior that machines naturally excel at and penalize the very qualities that distinguish human work. They focus obsessively on output while ignoring input: the role of joy, curiosity, learning, skill development, and thoughtful deployment of expertise. In doing so, organizations risk building systems that are optimized for AI, but progressively impoverished of the human capabilities they claim to value most. Inefficiency and new value This is why efficiency so often feels dehumanizing. It removes the informal, relational, and moral dimensions of work that make organizations more than collections of tasks. Humans do not learn, trust, or collaborate best when they behave like streamlined processes. We improve through interactions that appear inefficient on paper but are foundational in practice. In this sense, the inefficiencies of acting human are not a failure of management but a feature of humanity. They are the social and psychological infrastructure that allows thinking, learning, and cooperation to occur at all, and the necessary counterweight to systems designed to optimize everything except what makes work worth doing. Incidentally, inefficiency also plays a central role in the creation of new value, both in discovering better ways of doing existing things and in discovering entirely new things to do. Many important advances in science and business did not arise from tighter optimization or marginal efficiency gains, but from allowing room for exploration, deviation from plan, and attention to unexpected outcomes. In science, this is often the product of curiosity-driven research rather than narrowly goal-directed problem solving. Alexander Fleming’s observation in 1928 that a mold contaminant inhibited bacterial growth on a culture plate did not, by itself, produce a usable antibiotic, but it did reveal a phenomenon that later became penicillin once developed by others. Similarly, early work that eventually led to technologies such as CRISPR gene editing emerged from basic research into bacterial immune systems, conducted without any immediate application in mind. These discoveries were not accidents in the casual sense, but they did depend on researchers having the freedom and attentiveness to notice anomalies rather than discard them as inefficiencies. The role of anomalies Business innovation shows a comparable pattern. The adhesive behind Post-it Notes was not the outcome 3M originally sought, but its unusual properties were documented rather than rejected, and only later matched to a practical use. This kind of outcome depends less on speed or optimization than on organizational tolerance for ideas that lack an immediate commercial rationale. Systems optimized exclusively for efficiency tend to filter such anomalies out before their value becomes apparent. Even in exploration and trade, progress has often followed from imperfect information and miscalculation rather than from optimal planning. European expansion into the Americas, for example, was driven in part by navigational errors and incorrect assumptions about geography. While hardly an argument in favor of error, it is a reminder that historical change frequently arises from deviations rather than from flawlessly executed plans. The broader point is not that inefficiency guarantees innovation, but that innovation is unlikely without it. Systems designed to maximize efficiency excel at refining what is already known. They are far less effective at generating what is new. Allowing space for uncertainty, exploration, and apparent waste is not an indulgence, but a necessary condition for discovering value that cannot be specified in advance. This distinction is captured neatly in the work of Dean Keith Simonton, who has argued that innovation follows a two-step process: random variation followed by rational selection. New ideas arise from error, experimentation, and departures from established rules, and only later are refined and selected for value. AI is exceptionally strong at the second step. It can evaluate options, optimize choices, and select efficiently among existing alternatives. What it cannot meaningfully do is generate the kind of genuine variation and rule breaking from which truly novel ideas emerge. That responsibility remains human. The risk in an AI-saturated environment is that organizations double down on selection while starving variation, becoming ever more efficient at refining yesterday’s ideas. Reheating ideas If, in the name of efficiency, creativity itself is outsourced to AI, the result is not randomness but prefabrication: synthetic re-combinations of existing ideas, smoothed and averaged across prior human output. This often resembles creativity without delivering it, more akin to reheating ideas than inventing new ones. The food analogy is instructive. Cooking a proper meal is inefficient and time-consuming, while a frozen meal is faster and perfectly adequate. But no one serves a microwaved lasagna to an important guest and mistakes it for craft. The extra effort is the point. The same logic applies to thinking and work. Deep thinking is inefficient, but it converts familiarity into understanding. Stepping outside established processes may slow things down, but it is often how better methods are discovered. Time spent feeding curiosity rarely pays off immediately, but it expands skills, connections, and optionality. Even social inefficiencies, such as investing time in relationships that do not yield immediate returns, build trust and create opportunities that efficiency metrics fail to capture. In this sense, inefficiency is not the opposite of effectiveness but a different path to it. Systems optimized solely for speed and output may function smoothly in the short term, but they do so by eroding the very conditions that allow learning, adaptation, and originality to emerge. View the full article
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Crude Oil Tanker Rates Soar and Then Decline as Market Shifts
As global shipping dynamics shift, small business owners caught in the oil supply chain must pay attention to recent fluctuations in tanker rates that could impact their operational costs. According to a recent analysis, shipping rates for Very Large Crude Carriers (VLCCs) and Suezmax tankers reached multi-year highs at the end of 2025 before experiencing a decline in early 2026. Understanding these changes can provide crucial insights for small businesses involved in industries relying on crude oil and its derivatives. At the heart of the recent changes in shipping rates are increased demand for crude oil, especially from East Asian markets. These factors contributed to limited vessel availability, pushing rates up significantly before dipping again as demand seasonal factors kicked in. The spike in rates reflects a broader trend: in November 2025, VLCC rates for journeys departing from the Persian Gulf were the highest seen since summer 2020. The significance of these fluctuations cannot be overstated. “VLCCs can carry up to 2.2 million barrels of crude oil, typically for long-haul routes,” said Josh Eiermann, the principal contributor to the analysis. For small business owners involved in importing or transporting oil, these rate changes can affect everything from budgeting and forecasting to pricing strategies. The analysis found that in November 2025, VLCC rates to the U.S. Gulf Coast skyrocketed by 118% year-over-year, while routes to Asia rose by 139%. This increase was largely driven by countries like China and India ramping up their crude oil inventories in anticipation of winter needs, further compressing the market for available tankers. While the initial spike in shipping costs can be challenging, it also presents opportunities for small businesses positioned to adapt. For example, businesses engaged in fuel sales or distribution may need to reassess their pricing models. Higher shipping costs could necessitate adjustments in retail pricing or supply chain negotiations. Suezmax tankers, which carry about 1 million barrels, saw their rates increase as well, spurred by the rising VLCC rates. Notably, demand for oil from Europe, particularly due to decreased Russian imports following sanctions, has heightened the need for tanker voyages from the U.S. Gulf Coast. Rates from the U.S. Gulf Coast to Europe surged by 107% year-over-year. As the market shifts, small businesses should also consider the operational implications tied to these changes. For instance, companies relying on imported crude will need to account for varying shipping rates in their budgets, potentially leading them to seek alternative supply routes or sources. However, challenges remain. At the start of 2026, VLCC rates declined sharply—down 43% for routes from the Persian Gulf to Asia and 55% for those to the U.S. Gulf Coast. This decline, attributed to seasonal fluctuations, means that businesses will have to remain vigilant. What goes up can come down, and understanding the trends can be crucial for maintaining both competitiveness and profitability. Small business owners must evaluate their contracts and logistics strategies regularly, particularly in light of sanctions against Russia, which have shifted import patterns. India’s reduced reliance on Russian crude oil has increased its intake from the Persian Gulf, further tightening the shipping market. Businesses that adapt quickly to these changes could find themselves in a better position to navigate the next market upswing. The oil shipping landscape may remain volatile, but by staying informed about tanker rates and global demand, small business owners can strategically plan for the future. Regularly monitoring these trends can not only fortify their current operations but also set the stage for future growth. The complete analysis can be accessed here. Image via Google Gemini This article, "Crude Oil Tanker Rates Soar and Then Decline as Market Shifts" was first published on Small Business Trends View the full article
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Crude Oil Tanker Rates Soar and Then Decline as Market Shifts
As global shipping dynamics shift, small business owners caught in the oil supply chain must pay attention to recent fluctuations in tanker rates that could impact their operational costs. According to a recent analysis, shipping rates for Very Large Crude Carriers (VLCCs) and Suezmax tankers reached multi-year highs at the end of 2025 before experiencing a decline in early 2026. Understanding these changes can provide crucial insights for small businesses involved in industries relying on crude oil and its derivatives. At the heart of the recent changes in shipping rates are increased demand for crude oil, especially from East Asian markets. These factors contributed to limited vessel availability, pushing rates up significantly before dipping again as demand seasonal factors kicked in. The spike in rates reflects a broader trend: in November 2025, VLCC rates for journeys departing from the Persian Gulf were the highest seen since summer 2020. The significance of these fluctuations cannot be overstated. “VLCCs can carry up to 2.2 million barrels of crude oil, typically for long-haul routes,” said Josh Eiermann, the principal contributor to the analysis. For small business owners involved in importing or transporting oil, these rate changes can affect everything from budgeting and forecasting to pricing strategies. The analysis found that in November 2025, VLCC rates to the U.S. Gulf Coast skyrocketed by 118% year-over-year, while routes to Asia rose by 139%. This increase was largely driven by countries like China and India ramping up their crude oil inventories in anticipation of winter needs, further compressing the market for available tankers. While the initial spike in shipping costs can be challenging, it also presents opportunities for small businesses positioned to adapt. For example, businesses engaged in fuel sales or distribution may need to reassess their pricing models. Higher shipping costs could necessitate adjustments in retail pricing or supply chain negotiations. Suezmax tankers, which carry about 1 million barrels, saw their rates increase as well, spurred by the rising VLCC rates. Notably, demand for oil from Europe, particularly due to decreased Russian imports following sanctions, has heightened the need for tanker voyages from the U.S. Gulf Coast. Rates from the U.S. Gulf Coast to Europe surged by 107% year-over-year. As the market shifts, small businesses should also consider the operational implications tied to these changes. For instance, companies relying on imported crude will need to account for varying shipping rates in their budgets, potentially leading them to seek alternative supply routes or sources. However, challenges remain. At the start of 2026, VLCC rates declined sharply—down 43% for routes from the Persian Gulf to Asia and 55% for those to the U.S. Gulf Coast. This decline, attributed to seasonal fluctuations, means that businesses will have to remain vigilant. What goes up can come down, and understanding the trends can be crucial for maintaining both competitiveness and profitability. Small business owners must evaluate their contracts and logistics strategies regularly, particularly in light of sanctions against Russia, which have shifted import patterns. India’s reduced reliance on Russian crude oil has increased its intake from the Persian Gulf, further tightening the shipping market. Businesses that adapt quickly to these changes could find themselves in a better position to navigate the next market upswing. The oil shipping landscape may remain volatile, but by staying informed about tanker rates and global demand, small business owners can strategically plan for the future. Regularly monitoring these trends can not only fortify their current operations but also set the stage for future growth. The complete analysis can be accessed here. Image via Google Gemini This article, "Crude Oil Tanker Rates Soar and Then Decline as Market Shifts" was first published on Small Business Trends View the full article
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Anthropic raises $30bn at a $350bn valuation in latest funding round
Latest haul comes as it prepares for an initial public offering as early as this yearView the full article
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The Steam Deck Is Completely Sold Out Right Now, and Valve Hasn't Told Us Why
We may earn a commission from links on this page. If you're a PC gamer who's been looking into getting a Steam Deck to help you play your games on the go, then I've got some bad news for you: On Valve's official Steam Deck store page—the only place to buy new Steam Decks in the United States—every single model is sold out right now. That includes the discontinued LCD model, both versions of the Steam Deck OLED, and even refurbished options. The shortage was first spotted last night by deals hunter Wario64, who at the time noted that the Steam Deck was sold out in the U.S., but still available in other countries. Unfortunately, since then, both Tom's Hardware and Windows Central have reported that the handheld isn't available in some Asian countries either. There does still seems to be some hope for gamers in Europe, as Windows Central's Adam Hales said he could still see available stock in his native U.K., including the discontinued Steam Deck LCD. Valve has yet to comment on the sudden disappearance of the Steam Deck from its site, although I've reached out and will update this post if I hear back. Why is the Steam Deck out of stock?While Valve hasn't provided an official reason for the Steam Deck shortage, an obvious culprit is the ongoing RAM crisis, which has seen the cost for consumer memory components double or even triple as AI data centers eat up the available supply. It's possible this shortage is finally affecting the Steam Deck, although that's just speculation until Valve officially confirms it. That said, the explanation would align with a post Valve made to its blog last week, in which the company said its upcoming Steam Machine and Steam Frame hardware are being impacted by "memory and storage shortages." While the company didn't outright announce a delay for these devices, saying it still plans to ship them "in the first half of the year," it also noted "we must revisit our exact shipping schedule and pricing." It's possible the situation with "limited availability and growing prices of these critical components," as Valve put it it that post, is now affecting the Steam Deck too, though there are other possible explanations. The simplest, and most hopeful, is that this is simply a minor hiccup in availability, and it will be corrected by the end of the week. Alternatively, it's possible the shortage could be related to tariffs, as while whole smartphones and computers are exempt from increased tariffs, it's unclear whether that applies to gaming devices, or to any individual components Valve might purchase to construct new Steam Decks. At any rate, we can't know for sure until we hear back from the Half-Life company itself. Perhaps slim pickings or higher prices are in the Steam Deck's future, but there's no way to know right now. What to buy instead during the Steam Deck shortageWhile we don't yet know how long the Steam Deck will stay sold out, it might be worth looking into getting a different handheld gaming PC if the situation drags on. While you can buy Steam Decks from unofficial sellers, I wouldn't advise it, as these would all be from the secondhand market. Most come with heavily marked up prices, and it's impossible to know what kind of condition your device will be in when it arrives. A more trustworthy alternative could be GameStop, as the retailer does sell its own certified refurbished Steam Decks, which are cleaned up in a separate process from Valve's. Unfortunately, these are also out of stock at the moment. Instead, I would suggest looking at alternatives like the Lenovo Legion Go S, which starts at $600, is slightly more powerful than the Steam Deck, has a higher resolution screen, and in an official partnership with Valve, comes equipped with the same operating system as the Steam Deck. (I actually prefer the Legion Go S to the Steam Deck myself.) If you've got cash to burn, you could look at a premium upgrade. The obvious ones here are the Lenovo Legion Go 2, which ups the power and packs a gorgeous OLED screen; and the Asus ROG Xbox Ally X, which may be more welcoming to console gamers. (That said, the Xbox handheld's software wasn't quite there yet, at least when I reviewed it). Whatever your choice, you have no shortage of options for PC gaming handhelds to keep you occupied while you wait for the Steam Deck to come back in stock. Gamers will always find a way to play. View the full article
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my job offer fell through after I’d already resigned (and when I was about to move)
A reader writes: I was offered a job last week, which was going to require a 2.5-hour move. I accepted as it’s a field I love and a company ownership I had worked for previously, just not at this location. Yesterday the job fell through because the expected job salary budget didn’t come through. At all. I had been waiting on paperwork to 100% make my hiring official. I even had a start date, which had been reiterated last week when they were waiting for the national leadership to send over the papers. I am lucky that I was able to reverse my resignation at my current job. I’m also lucky that I figure I’m only out about $100. I had applied for and been accepted for an apartment but hadn’t signed a lease or even set up a moving truck. Since I am not out much, I am naturally going to move on and merely grouse about the experience (they only let me know with a single text that the position was canceled!). But could I have had any recourse had I been out more money? Oh no. As a general rule, it’s best never to give notice at your existing job until the new job is 100% official, meaning that any paperwork has been signed and all contingencies are removed. Even then, something like this can still happen, but waiting lowers the risk of it. As for legal recourse if you had been out more money or if you had actually moved: in most states you wouldn’t have legal recourse unless you could show the employer had operated with deliberately fraudulent intent. There is a legal concept called “detrimental reliance,” where you would argue that you had relied on their offer to your detriment. Generally, though, courts mostly haven’t sided with those claims (largely because since employment is at-will, you also could have been fired on your first day without legal resource). That said, if you ever were in a situation where you were out a significant sum of money — or if you had already moved — it could be useful to talk with an employment lawyer to get their take. An additional option you’d have in that situation would be to tell the employer that you’d relied on their offer and start date in good faith and lost $X as a result, and ask them to make it right. Their offer might have used language that would protect them from any legal obligation to make you whole (especially if it was clear things were not yet finalized), but it would be reasonable to try. The post my job offer fell through after I’d already resigned (and when I was about to move) appeared first on Ask a Manager. View the full article
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10 Essential Tips to Face Conflict Effectively
Conflict is an unavoidable part of any team dynamic, and managing it effectively is vital for maintaining productivity and morale. By implementing strategies like open communication and active listening, you can create a framework that encourages collaboration. Comprehending emotions and establishing clear behavior standards can further improve team interactions. Ready to explore practical tips that can transform how you handle conflicts? Let’s uncover the fundamental steps you can take to cultivate a more harmonious environment. Key Takeaways Practice active listening by fully concentrating on the speaker, validating their feelings, and paraphrasing to show understanding. Use “I” statements to express your feelings without placing blame, fostering open communication. Focus on shared goals to promote collaboration and align interests for a win-win outcome. Embrace forgiveness to let go of past grievances and create a supportive environment for open dialogue. Follow up after conflicts to reinforce commitment, address lingering issues, and maintain a positive team dynamic. Understand the Importance of Conflict Resolution Conflict resolution is a critical skill in any workplace, and comprehending its importance can greatly impact your organization’s success. Recognizing the classes of conflict—task, relationship, and value—helps you identify the three types of conflict that may arise among team members. Addressing these conflicts is fundamental, as unresolved issues can cost American businesses approximately $359 billion annually, leading to decreased productivity and high employee turnover. To face conflict effectively, you need to create a healthy environment where open dialogue is encouraged. Leaders play a crucial role by guiding teams through disputes, transforming conflicts into opportunities for growth and innovation. Prioritize Open Communication Creating an environment that encourages open communication is vital for effectively resolving conflicts in the workplace. When team members feel free to express their perspectives and feelings, misunderstandings can be minimized, reducing tensions. It’s important to recognize that 70% of conflicts stem from poor communication. To promote open communication, consider these strategies: Use “I” statements to express feelings without placing blame. Provide regular updates to guarantee transparency and build trust. Encourage team members to share their thoughts openly. Understanding what’re 2 types of conflict—interpersonal and intrapersonal—can help you address issues more effectively. Interpersonal conflicts arise between individuals, whereas intrapersonal conflicts occur within a person. By prioritizing open communication, you can create a more collaborative atmosphere, making it easier to resolve conflicts amicably and maintain a positive work culture. Practice Active Listening Even though misunderstandings can escalate tensions in a workplace, practicing active listening can greatly ease these situations. This technique involves fully concentrating on the speaker, validating their feelings, and demonstrating comprehension, which can considerably reduce conflicts. Studies show that effective active listening can lead to a 60% improvement in resolving workplace issues. Active Listening Techniques Benefits Paraphrasing Shows comprehension and validation Open-ended questions Encourages dialogue and trust Calm tone and body language Reduces emotional intensity Approach Conflicts With Empathy When you approach conflicts with empathy, you’re more likely to create a constructive atmosphere for resolution. Recognizing and validating the emotions of others can greatly reduce tension and encourage cooperation. Effective communication is essential; using “I” statements allows you to express feelings without blame, promoting comprehension and reducing defensiveness. By addressing underlying feelings, empathy helps de-escalate conflicts and build trust for future interactions. Here are some key aspects to reflect on: Listen actively: Pay attention to what the other person is saying, showing that their feelings matter. Acknowledge emotions: Validate the emotions of others to create a sense of comprehension and safety. Enhance emotional intelligence: Training in empathetic communication can improve your conflict navigation skills. Implementing these strategies can lead to improved morale and a healthier organizational culture, benefiting both personal relationships and overall performance. Establish a Framework for Acceptable Behavior To effectively manage conflicts, you need to establish a framework for acceptable behavior within your team. Start by defining clear standards for conduct, which should include guidelines for communication, collaboration, and respect. Encouraging open communication channels and setting up conflict resolution procedures will help everyone understand their responsibilities and the boundaries that contribute to a positive work environment. Define Acceptable Behavior Standards Establishing acceptable behavior standards is crucial for creating a respectful and productive workplace. Clear standards guide interactions and help prevent conflicts from arising, nurturing a harmonious environment. Involving employees in developing these standards promotes accountability and commitment. Here are key points to reflect on: Define acceptable and unacceptable behaviors: Clear examples clarify expectations for team members. Communicate regularly: Reinforce standards to mitigate misunderstandings and reduce conflict likelihood. Monitor adherence: Address violations swiftly to emphasize the importance of maintaining a respectful culture. Encourage Open Communication Channels Open communication channels are vital for nurturing a workplace environment where concerns and disagreements can be addressed without fear of escalation. Establishing clear communication protocols helps prevent misinterpretations, which are often the root cause of conflicts. By creating a framework for acceptable behavior, you encourage employees to express their concerns openly, promoting a culture of transparency and trust. Regular updates about changes and developments can further mitigate potential conflicts, ensuring everyone remains informed and aligned. Implementing a clear chain of command streamlines communication, enabling swift conflict resolution and minimizing escalation risks. Moreover, promoting a service-oriented mindset among team members improves collaboration and comprehension, allowing for more effective handling of disputes when they arise. Establish Conflict Resolution Procedures Creating a clear framework for acceptable behavior is essential in establishing effective conflict resolution procedures within your organization. By defining acceptable behaviors and outlining resolution steps, you can empower employees to address issues proactively, which lowers the potential for escalation. This transparency guarantees everyone feels heard and valued, enhancing morale and productivity. Cultivate a common comprehension among team members to reduce misunderstandings. Implement regular training on conflict resolution procedures to equip employees with necessary skills. Create structured processes that save your organization significant costs related to unresolved conflicts. Address Issues Promptly to Prevent Escalation When conflicts arise in the workplace, addressing them swiftly can greatly prevent escalation and the negative consequences that follow. Ignoring these issues can lead to a toxic environment, where 53% of employees may avoid confrontation, resulting in an average loss of $7,500 and over seven workdays per employee annually. By proactively tackling conflicts, you not just mitigate the staggering $359 billion annual loss businesses face because of unresolved disputes but additionally improve team cohesion. Effective conflict resolution encourages a culture of open dialogue, benefiting organizational morale. In addition, quick resolution helps maintain strong relationships among team members, contributing to a respectful atmosphere that promotes overall employee well-being. By addressing issues without delay, you create a more productive workplace, ensuring that unresolved conflicts don’t spiral out of control and hinder your team’s success. Prioritizing timely intervention is vital for cultivating a healthy work environment. Encourage Collaboration and Common Ground Addressing conflicts quickly not just prevents escalation but furthermore sets the stage for collaboration and finding common ground. By promoting a win-win approach, you can resolve disputes effectively, as seen in the Thomas-Kilmann model that highlights the importance of balancing goals and relationships. To encourage collaboration and establish common ground, consider these strategies: Identify Shared Interests: Look for common goals that unite parties rather than divide them. Engage in Open Discussions: Create an environment where all perspectives are valued, allowing for deeper exploration of issues. Build Trust Over Time: Collaborative efforts strengthen relationships, contributing to a more cohesive team dynamic. Focus on Shared Goals Focusing on shared goals during conflict resolution not just improves collaboration but also cultivates a win-win environment that can strengthen relationships among team members. When everyone emphasizes common objectives, it encourages open communication and makes finding mutually acceptable solutions easier. This approach reduces the likelihood of escalation, allowing for more effective problem-solving. Shared goals serve as a framework for negotiation, enabling individuals to align their interests and collaborate in the direction of a collective outcome rather than competing against each other. By highlighting these goals, you can greatly decrease the emotional charge of the conflict, shifting the focus from personal grievances to collaborative aspirations. This improves team cohesion and promotes an environment where employees feel they’re working towards a common purpose. Organizations that nurture a culture centered on shared goals often experience enhanced productivity and morale, as unresolved conflicts have less impact on the overall team dynamic. Be Willing to Forgive and Move Forward Being willing to forgive is essential for moving forward after a conflict, as it not only permits you to let go of past grievances, but furthermore builds trust among team members. When you embrace forgiveness, you create an environment that encourages open communication and collaboration, leading to innovative solutions and future opportunities. In the end, letting go of grudges can greatly improve both individual well-being and overall team dynamics. Importance of Letting Go Letting go of past grievances is essential for creating a harmonious and productive work environment. When you hold onto unresolved conflicts, you risk decreased morale and increased turnover, which costs American businesses $359 billion annually. https://www.youtube.com/watch?v=jg_Q34kGsKg By practicing forgiveness, you not only lighten your emotional load but also encourage collaboration among your team. This helps everyone focus on shared goals rather than lingering resentments. Embracing forgiveness can lead to: Improved interpersonal relationships, enhancing overall job satisfaction. Increased creativity and innovation as teams move past differences. Better emotional well-being, reducing stress and promoting mental health. Ultimately, moving forward from conflict paves the way for a healthier workplace culture, allowing for growth and productivity. Building Trust After Conflict After addressing past grievances, the next step involves rebuilding trust, which is often tested during conflicts. Building trust requires a commitment to forgiveness, allowing you to move forward. Engage in open dialogue about the conflict; this helps both parties express their feelings and encourages comprehension. Demonstrating accountability for your actions during the conflict is crucial, as it shows you’re willing to learn from mistakes. Follow up after resolving the conflict to reinforce the commitment to a stronger relationship, ensuring any lingering issues are swiftly addressed. Research indicates that teams effectively rebuilding trust experience increased productivity and morale, emphasizing the importance of a constructive approach to conflict resolution for a collaborative work environment. Embracing Future Opportunities When conflicts arise in the workplace, embracing the opportunity to forgive and move forward can greatly improve team dynamics and overall productivity. By promoting a culture of forgiveness, you not only boost personal well-being but additionally strengthen workplace relationships. This approach can lead to a more engaged workforce and reduce employee turnover, as many avoid toxic situations stemming from unresolved issues. Consider these benefits of embracing future opportunities: Encourages open communication: Team members feel safe sharing their perspectives. Promotes innovation: A collaborative environment leads to creative solutions. Reduces costs: Addressing conflicts can save businesses from significant financial losses. Maintain a Positive Team Dynamic Maintaining a positive team dynamic is vital for effective conflict resolution, especially since organizations face considerable financial losses from unresolved conflicts that stem from poor cohesion. To nurture this dynamic, encourage open dialogue within your team. This approach helps identify and address conflicts early, creating an environment where everyone feels safe to express differing opinions. Moreover, regular team-building activities and diversity training improve comprehension and respect among team members, reducing the likelihood of conflict. Acknowledging and validating team members’ feelings during disagreements promotes trust and collaboration, both fundamental for a healthy team environment. As a leader, model effective communication and conflict resolution strategies. Your behavior sets the tone for team interactions and greatly influences workplace culture. Frequently Asked Questions What Are the 5 C’s of Conflict? The 5 C’s of conflict management are Communication, Collaboration, Compromise, Creativity, and Control. You communicate by actively listening and using “I” statements to express your feelings, which reduces defensiveness. Collaboration involves working together to find solutions that satisfy everyone. Compromise means both parties give up something for mutual agreement. Creativity encourages innovative problem-solving. Finally, Control helps manage emotions and behaviors during conflict, ensuring a more productive resolution process. What Are the 5 Main Conflict Resolution Strategies? The five main conflict resolution strategies are avoiding, competing, accommodating, compromising, and collaborating. Avoiding works for low-stakes disagreements but often fails in important situations. Competing focuses on your goals, which can hurt relationships if overused. Accommodating prioritizes others’ needs, promoting harmony but potentially stifling creativity. Compromising finds a middle ground, whereas collaborating seeks win-win solutions, nurturing respect and engagement among all parties. Each strategy serves different contexts, so choose wisely. What Are the 5 A’s of Conflict Management? The five A’s of conflict management are: Acknowledge the conflict exists; Assess the situation by comprehending everyone’s perspective; Address the issue through open communication; Act on the agreed-upon solutions to show commitment; and Adjust your approach based on feedback and outcomes. What Are the 3 C’s of Conflict Resolution? The 3 C’s of conflict resolution are Communication, Collaboration, and Compromise. Effective Communication involves actively listening and using clear language to minimize misunderstandings. Collaboration encourages all parties to work together toward a solution that benefits everyone, cultivating trust. Compromise requires each party to concede something, allowing for a mutually acceptable agreement. Conclusion In conclusion, effectively facing conflict involves a structured approach that emphasizes communication, empathy, and collaboration. By establishing clear standards for behavior and focusing on shared goals, you can create a positive environment conducive to resolution. Active listening and expressing feelings through “I” statements further improve comprehension among team members. Remember, practicing forgiveness and maintaining trust are essential for a healthy team dynamic. Implementing these strategies can transform conflicts into opportunities for growth and improvement. Image via Google Gemini This article, "10 Essential Tips to Face Conflict Effectively" was first published on Small Business Trends View the full article
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10 Essential Tips to Face Conflict Effectively
Conflict is an unavoidable part of any team dynamic, and managing it effectively is vital for maintaining productivity and morale. By implementing strategies like open communication and active listening, you can create a framework that encourages collaboration. Comprehending emotions and establishing clear behavior standards can further improve team interactions. Ready to explore practical tips that can transform how you handle conflicts? Let’s uncover the fundamental steps you can take to cultivate a more harmonious environment. Key Takeaways Practice active listening by fully concentrating on the speaker, validating their feelings, and paraphrasing to show understanding. Use “I” statements to express your feelings without placing blame, fostering open communication. Focus on shared goals to promote collaboration and align interests for a win-win outcome. Embrace forgiveness to let go of past grievances and create a supportive environment for open dialogue. Follow up after conflicts to reinforce commitment, address lingering issues, and maintain a positive team dynamic. Understand the Importance of Conflict Resolution Conflict resolution is a critical skill in any workplace, and comprehending its importance can greatly impact your organization’s success. Recognizing the classes of conflict—task, relationship, and value—helps you identify the three types of conflict that may arise among team members. Addressing these conflicts is fundamental, as unresolved issues can cost American businesses approximately $359 billion annually, leading to decreased productivity and high employee turnover. To face conflict effectively, you need to create a healthy environment where open dialogue is encouraged. Leaders play a crucial role by guiding teams through disputes, transforming conflicts into opportunities for growth and innovation. Prioritize Open Communication Creating an environment that encourages open communication is vital for effectively resolving conflicts in the workplace. When team members feel free to express their perspectives and feelings, misunderstandings can be minimized, reducing tensions. It’s important to recognize that 70% of conflicts stem from poor communication. To promote open communication, consider these strategies: Use “I” statements to express feelings without placing blame. Provide regular updates to guarantee transparency and build trust. Encourage team members to share their thoughts openly. Understanding what’re 2 types of conflict—interpersonal and intrapersonal—can help you address issues more effectively. Interpersonal conflicts arise between individuals, whereas intrapersonal conflicts occur within a person. By prioritizing open communication, you can create a more collaborative atmosphere, making it easier to resolve conflicts amicably and maintain a positive work culture. Practice Active Listening Even though misunderstandings can escalate tensions in a workplace, practicing active listening can greatly ease these situations. This technique involves fully concentrating on the speaker, validating their feelings, and demonstrating comprehension, which can considerably reduce conflicts. Studies show that effective active listening can lead to a 60% improvement in resolving workplace issues. Active Listening Techniques Benefits Paraphrasing Shows comprehension and validation Open-ended questions Encourages dialogue and trust Calm tone and body language Reduces emotional intensity Approach Conflicts With Empathy When you approach conflicts with empathy, you’re more likely to create a constructive atmosphere for resolution. Recognizing and validating the emotions of others can greatly reduce tension and encourage cooperation. Effective communication is essential; using “I” statements allows you to express feelings without blame, promoting comprehension and reducing defensiveness. By addressing underlying feelings, empathy helps de-escalate conflicts and build trust for future interactions. Here are some key aspects to reflect on: Listen actively: Pay attention to what the other person is saying, showing that their feelings matter. Acknowledge emotions: Validate the emotions of others to create a sense of comprehension and safety. Enhance emotional intelligence: Training in empathetic communication can improve your conflict navigation skills. Implementing these strategies can lead to improved morale and a healthier organizational culture, benefiting both personal relationships and overall performance. Establish a Framework for Acceptable Behavior To effectively manage conflicts, you need to establish a framework for acceptable behavior within your team. Start by defining clear standards for conduct, which should include guidelines for communication, collaboration, and respect. Encouraging open communication channels and setting up conflict resolution procedures will help everyone understand their responsibilities and the boundaries that contribute to a positive work environment. Define Acceptable Behavior Standards Establishing acceptable behavior standards is crucial for creating a respectful and productive workplace. Clear standards guide interactions and help prevent conflicts from arising, nurturing a harmonious environment. Involving employees in developing these standards promotes accountability and commitment. Here are key points to reflect on: Define acceptable and unacceptable behaviors: Clear examples clarify expectations for team members. Communicate regularly: Reinforce standards to mitigate misunderstandings and reduce conflict likelihood. Monitor adherence: Address violations swiftly to emphasize the importance of maintaining a respectful culture. Encourage Open Communication Channels Open communication channels are vital for nurturing a workplace environment where concerns and disagreements can be addressed without fear of escalation. Establishing clear communication protocols helps prevent misinterpretations, which are often the root cause of conflicts. By creating a framework for acceptable behavior, you encourage employees to express their concerns openly, promoting a culture of transparency and trust. Regular updates about changes and developments can further mitigate potential conflicts, ensuring everyone remains informed and aligned. Implementing a clear chain of command streamlines communication, enabling swift conflict resolution and minimizing escalation risks. Moreover, promoting a service-oriented mindset among team members improves collaboration and comprehension, allowing for more effective handling of disputes when they arise. Establish Conflict Resolution Procedures Creating a clear framework for acceptable behavior is essential in establishing effective conflict resolution procedures within your organization. By defining acceptable behaviors and outlining resolution steps, you can empower employees to address issues proactively, which lowers the potential for escalation. This transparency guarantees everyone feels heard and valued, enhancing morale and productivity. Cultivate a common comprehension among team members to reduce misunderstandings. Implement regular training on conflict resolution procedures to equip employees with necessary skills. Create structured processes that save your organization significant costs related to unresolved conflicts. Address Issues Promptly to Prevent Escalation When conflicts arise in the workplace, addressing them swiftly can greatly prevent escalation and the negative consequences that follow. Ignoring these issues can lead to a toxic environment, where 53% of employees may avoid confrontation, resulting in an average loss of $7,500 and over seven workdays per employee annually. By proactively tackling conflicts, you not just mitigate the staggering $359 billion annual loss businesses face because of unresolved disputes but additionally improve team cohesion. Effective conflict resolution encourages a culture of open dialogue, benefiting organizational morale. In addition, quick resolution helps maintain strong relationships among team members, contributing to a respectful atmosphere that promotes overall employee well-being. By addressing issues without delay, you create a more productive workplace, ensuring that unresolved conflicts don’t spiral out of control and hinder your team’s success. Prioritizing timely intervention is vital for cultivating a healthy work environment. Encourage Collaboration and Common Ground Addressing conflicts quickly not just prevents escalation but furthermore sets the stage for collaboration and finding common ground. By promoting a win-win approach, you can resolve disputes effectively, as seen in the Thomas-Kilmann model that highlights the importance of balancing goals and relationships. To encourage collaboration and establish common ground, consider these strategies: Identify Shared Interests: Look for common goals that unite parties rather than divide them. Engage in Open Discussions: Create an environment where all perspectives are valued, allowing for deeper exploration of issues. Build Trust Over Time: Collaborative efforts strengthen relationships, contributing to a more cohesive team dynamic. Focus on Shared Goals Focusing on shared goals during conflict resolution not just improves collaboration but also cultivates a win-win environment that can strengthen relationships among team members. When everyone emphasizes common objectives, it encourages open communication and makes finding mutually acceptable solutions easier. This approach reduces the likelihood of escalation, allowing for more effective problem-solving. Shared goals serve as a framework for negotiation, enabling individuals to align their interests and collaborate in the direction of a collective outcome rather than competing against each other. By highlighting these goals, you can greatly decrease the emotional charge of the conflict, shifting the focus from personal grievances to collaborative aspirations. This improves team cohesion and promotes an environment where employees feel they’re working towards a common purpose. Organizations that nurture a culture centered on shared goals often experience enhanced productivity and morale, as unresolved conflicts have less impact on the overall team dynamic. Be Willing to Forgive and Move Forward Being willing to forgive is essential for moving forward after a conflict, as it not only permits you to let go of past grievances, but furthermore builds trust among team members. When you embrace forgiveness, you create an environment that encourages open communication and collaboration, leading to innovative solutions and future opportunities. In the end, letting go of grudges can greatly improve both individual well-being and overall team dynamics. Importance of Letting Go Letting go of past grievances is essential for creating a harmonious and productive work environment. When you hold onto unresolved conflicts, you risk decreased morale and increased turnover, which costs American businesses $359 billion annually. https://www.youtube.com/watch?v=jg_Q34kGsKg By practicing forgiveness, you not only lighten your emotional load but also encourage collaboration among your team. This helps everyone focus on shared goals rather than lingering resentments. Embracing forgiveness can lead to: Improved interpersonal relationships, enhancing overall job satisfaction. Increased creativity and innovation as teams move past differences. Better emotional well-being, reducing stress and promoting mental health. Ultimately, moving forward from conflict paves the way for a healthier workplace culture, allowing for growth and productivity. Building Trust After Conflict After addressing past grievances, the next step involves rebuilding trust, which is often tested during conflicts. Building trust requires a commitment to forgiveness, allowing you to move forward. Engage in open dialogue about the conflict; this helps both parties express their feelings and encourages comprehension. Demonstrating accountability for your actions during the conflict is crucial, as it shows you’re willing to learn from mistakes. Follow up after resolving the conflict to reinforce the commitment to a stronger relationship, ensuring any lingering issues are swiftly addressed. Research indicates that teams effectively rebuilding trust experience increased productivity and morale, emphasizing the importance of a constructive approach to conflict resolution for a collaborative work environment. Embracing Future Opportunities When conflicts arise in the workplace, embracing the opportunity to forgive and move forward can greatly improve team dynamics and overall productivity. By promoting a culture of forgiveness, you not only boost personal well-being but additionally strengthen workplace relationships. This approach can lead to a more engaged workforce and reduce employee turnover, as many avoid toxic situations stemming from unresolved issues. Consider these benefits of embracing future opportunities: Encourages open communication: Team members feel safe sharing their perspectives. Promotes innovation: A collaborative environment leads to creative solutions. Reduces costs: Addressing conflicts can save businesses from significant financial losses. Maintain a Positive Team Dynamic Maintaining a positive team dynamic is vital for effective conflict resolution, especially since organizations face considerable financial losses from unresolved conflicts that stem from poor cohesion. To nurture this dynamic, encourage open dialogue within your team. This approach helps identify and address conflicts early, creating an environment where everyone feels safe to express differing opinions. Moreover, regular team-building activities and diversity training improve comprehension and respect among team members, reducing the likelihood of conflict. Acknowledging and validating team members’ feelings during disagreements promotes trust and collaboration, both fundamental for a healthy team environment. As a leader, model effective communication and conflict resolution strategies. Your behavior sets the tone for team interactions and greatly influences workplace culture. Frequently Asked Questions What Are the 5 C’s of Conflict? The 5 C’s of conflict management are Communication, Collaboration, Compromise, Creativity, and Control. You communicate by actively listening and using “I” statements to express your feelings, which reduces defensiveness. Collaboration involves working together to find solutions that satisfy everyone. Compromise means both parties give up something for mutual agreement. Creativity encourages innovative problem-solving. Finally, Control helps manage emotions and behaviors during conflict, ensuring a more productive resolution process. What Are the 5 Main Conflict Resolution Strategies? The five main conflict resolution strategies are avoiding, competing, accommodating, compromising, and collaborating. Avoiding works for low-stakes disagreements but often fails in important situations. Competing focuses on your goals, which can hurt relationships if overused. Accommodating prioritizes others’ needs, promoting harmony but potentially stifling creativity. Compromising finds a middle ground, whereas collaborating seeks win-win solutions, nurturing respect and engagement among all parties. Each strategy serves different contexts, so choose wisely. What Are the 5 A’s of Conflict Management? The five A’s of conflict management are: Acknowledge the conflict exists; Assess the situation by comprehending everyone’s perspective; Address the issue through open communication; Act on the agreed-upon solutions to show commitment; and Adjust your approach based on feedback and outcomes. What Are the 3 C’s of Conflict Resolution? The 3 C’s of conflict resolution are Communication, Collaboration, and Compromise. Effective Communication involves actively listening and using clear language to minimize misunderstandings. Collaboration encourages all parties to work together toward a solution that benefits everyone, cultivating trust. Compromise requires each party to concede something, allowing for a mutually acceptable agreement. Conclusion In conclusion, effectively facing conflict involves a structured approach that emphasizes communication, empathy, and collaboration. By establishing clear standards for behavior and focusing on shared goals, you can create a positive environment conducive to resolution. Active listening and expressing feelings through “I” statements further improve comprehension among team members. Remember, practicing forgiveness and maintaining trust are essential for a healthy team dynamic. Implementing these strategies can transform conflicts into opportunities for growth and improvement. Image via Google Gemini This article, "10 Essential Tips to Face Conflict Effectively" was first published on Small Business Trends View the full article
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The real story behind the 53% drop in SaaS AI traffic
As the SaaS market reels from a sell-off sparked by autonomous AI agents like Claude Cowork, new data shows a 53% drop in AI-driven discovery sessions. Wall Street dubbed it the “SaaSpocalypse.” Whether AI agents will replace SaaS products is a bigger question than this dataset can answer. But the panic is already distorting interpretation, and this data cuts through the noise to show what SEO teams should actually watch. Copilot went from 0.3% to 9.6% of SaaS AI traffic in 14 months From November 2024 to December 2025, SaaS sites logged 774,331 LLM sessions. ChatGPT drove 82.3% of that traffic, but Copilot’s growth tells a different story: SaaS AI Traffic by Source (Nov 2024 – Dec 2025) SourceSessionsShareChatGPT637,55182.3%Copilot74,6259.6%Claude40,3635.2%Gemini15,7592.0%Perplexity6,0330.8% Starting with just 148 sessions in late 2024, Copilot grew more than 20x by May 2025. From May through December, it averaged 3,822 sessions per month, making it the second-largest AI referrer to SaaS sites by year-end 2025. Investors erased $300 billion from SaaS market caps over fears that AI agents will replace enterprise software. But this data points to a less dramatic force: proximity. Copilot thrives because it captures intent inside the workflow. Standalone tools saw a 53% traffic drop while workplace-embedded AI grew 20x. Software evaluation is work, and Copilot sits where that work happens. When someone asks, “What CRM should we use for a 20-person sales team?” while building a business case in Excel, that moment is captured—one ChatGPT never sees. The May surge reflects that activation: Microsoft 365 users realizing they could research software without opening a new tab. 41.4% of SaaS AI traffic lands on internal search pages SaaS AI discovery sends users to internal search results first, not product pages. Top SaaS Landing Pages by LLM Volume Page TypeLLM Sessions% of AI TrafficPenetration vs Site AvgSearch320,61541.4%8.7xBlog127,29116.4%8.1xPricing40,5035.2%3.2xProduct39,8645.1%2.0xSupport34,5994.5%2.1x Despite capturing 320,615 sessions — more than blog, pricing, and product pages combined — this dominance likely reflects LLM limitations, not superior content. LLMs route users to search when they lack a specific answer. For SaaS companies watching their stock crater, that’s useful news: there’s a concrete technical fix. The 41.4% isn’t an existential threat. It’s a crawlability problem. When an LLM can’t find a direct answer, it defaults to the site’s internal search. The AI treats your search bar as a trusted backup, assuming the search schema will generate a relevant page even if a specific product page isn’t indexed. At 1.22%, search page penetration is 8.7x the site average. The cause is a “safety net” effect, not optimization. When more specific pages — like Product or Pricing — lack the data an LLM needs, it falls back to broader search results. LLMs recognize the search URL structure and trust it will return something relevant, even if they can’t predict what. Blog pages follow with 127,291 sessions and 1.13% penetration. These are structured comparison posts — “best CRM for small teams” or “Salesforce alternatives” — that LLMs cite when they have specific recommendations. Pricing pages show 0.45% penetration; product pages, 0.28%. When users ask about software selection, LLMs route to comparison surfaces — search and blog — first. Direct product or pricing pages get cited only when the query is already vendor-specific. The July peak and Q4 decline reflect corporate work cycles SaaS AI traffic peaked in July at 146,512 sessions, then declined steadily through Q4: MonthSessionsChangeJuly 2025146,512PeakAugust 2025120,802-17.5%September 2025134,162+11.1%October 2025135,397+0.9%November 2025107,257-20.8%December 202568,896-35.8% Every platform declined. ChatGPT’s volume was cut in half, dropping from 127,510 sessions in July to 56,786 by year-end. Copilot fell from 4,737 to 2,351. Perplexity dropped from 7,475 to 3,752. Two factors drove the slide: People weren’t working. August is vacation season, November includes Thanksgiving, and December is the holidays. Software research happens during work hours; when offices close, discovery drops. Q4 ends the fiscal “buying window.” Most teams have spent their annual budgets or are deferring contracts until Q1 funding opens. Even teams still working aren’t evaluating tools because there’s no budget left until the new fiscal year. The July peak reflects midyear momentum: people are working, and Q3 budgets are still available. The Q4 decline reflects both fewer researchers and fewer active buying cycles. This is where the sell-off narrative breaks down. Investors treat a 53% traffic drop as proof that AI discovery is stalling. But the data aligns with standard B2B fiscal cycles. AI isn’t failing as a discovery channel. It’s settling into the same seasonal rhythms as every other B2B buying behavior. What this data means for SEO teams Raw traffic numbers don’t show where to invest. Penetration rates and landing page distribution reveal what matters. Track penetration by page type, not site-wide averages SaaS shows 0.41% sitewide AI penetration, but that average hides concentration. Search pages reach 1.22%—8.7x higher. Blog pages hit 1.13%. Pricing pages are at 0.45%. Product pages lag at 0.28%. If you’re only tracking total AI sessions, you’re measuring the wrong metric. AI traffic could grow 50% while penetration on high-value pages declines. Volume hides what matters: where AI users concentrate when they arrive with intent. Action: Segment AI traffic by page type in GA4 or your analytics platform. Track penetration (AI sessions ÷ total sessions) by page category monthly. Identify pages with elevated concentration, then optimize those surfaces first. Search results pages are now a primary discovery surface Internal search captures 41.4% of SaaS AI traffic. If those results aren’t crawlable, indexable, or structured for comparison, you’re invisible to the largest segment of AI-driven buyers. Most SaaS sites treat internal search as navigation, not content. Results return paginated lists with minimal product detail, no filter signals in URLs, and JavaScript-rendered content LLMs can’t parse. Action: With 41.4% of traffic hitting internal search, treat your search bar as an API for AI agents. Make search pages crawlable (check robots.txt and indexability). Add structured data using SoftwareApplication or Product schema. Surface comparison data — pricing, key features, user count — directly in results, not just product names. Make your data legible to LLMs — pricing and content both The sell-off is pricing in obsolescence, but for most SaaS companies the real risk is invisibility. Pricing pages show 0.45% AI penetration—below the 0.46% cross-industry average. Blog pages captured 127,291 sessions at 1.13% penetration, but only when content directly answered selection queries. The pattern is clear: LLMs cite what they can read and parse. They skip what they can’t. Many SaaS sites still gate pricing behind contact forms. If pricing requires a sales conversation, AI won’t recommend you for “tools under $100/month” queries. The same applies to blog content. When someone asks, “What CRM should I use?” the LLM looks for posts that compare options, define criteria, and explain tradeoffs. Generic thought leadership on CRM trends doesn’t get cited. Action: Publish pricing on a dedicated, crawlable page. Include representative examples, seat minimums, contract terms, and exclusions. Keep pricing transparent. Transparent pages get cited; gated pages don’t. Replace generic blog posts with structured comparison pages. Use tables and clear data points. Remove fluff. Provide grounding data that lets AI verify compliance and integration capabilities in seconds, not minutes. Workplace-embedded AI is growing 10x faster than standalone LLMs Copilot grew 15.89x year over year. Claude grew 7.79x. ChatGPT grew 1.42x. The fastest growth is in tools embedded in existing workflows. Workplace AI shifts discovery context. In ChatGPT, users are explicitly researching. In Copilot, they’re asking questions mid-task—drafting a proposal, building a comparison spreadsheet, or reviewing vendor options with their team. Action: Track Copilot and Claude referrals separately from ChatGPT. Monitor which pages these sources favor. Recognize intent: these users aren’t browsing — they’re mid-task, deeper in evaluation, and closer to a purchase decision. Show up in workplace AI discovery to support real-time purchase justification. Survival favors the findable The 53% drop from July to December reflects AI usage settling into the software buying process. Buyers are learning which decisions benefit from AI synthesis and which don’t. The remaining traffic is more deliberate, concentrated on complex evaluations where comparison matters. For SaaS companies, the window for early positioning is closing. The $300 billion sell-off is hitting the sector broadly, but the companies that survive the repricing will be those buyers can find when they ask an AI agent, “Should we renew this contract?” Teams investing now in transparent pricing, crawlable data, and comparison-focused content are building that findability while competitors debate whether AI discovery matters. View the full article
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Mortgage rates slip, but 6% may be the limit
The 30-year fixed-rate mortgage averaged 6.09% Thursday, down two basis points from last week, while the 15-year rate fell to 5.44%, according to Freddie Mac. View the full article
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Starmer urged to go slow on replacing ousted head of civil service
Several ex-mandarins say full process should take place rather than swift appointment of frontrunner RomeoView the full article