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More than 444,000 people who rented homes with Invitation Homes will soon receive checks as part of a $47.2 million settlement stemming from a 2024 lawsuit filed by the Federal Trade Commission. The Dallas-based company, which owns and/or manages more than 110,000 single-family homes in the U.S., is accused of deceiving 441,131 consumers with undisclosed fees and charges totaling $45 or more. People who paid for certain fees and charges between January 2021 and September 2024 will be eligible for checks that will be sent by the FTC. One of the largest single-family home landlords in the country, Invitation Homes is currently advertising thousands of available rentals in 13 different states, heavily concentrated in core markets like Atlanta, Tampa, Phoenix, Charlotte, Orlando, Miami, Jacksonville, Denver, and Las Vegas. As part of the FTC settlement, the corporate landlord will be required to “clearly disclose its leasing prices, establish policies and procedures to handle security deposit refunds fairly, and stop other unlawful behavior.” Its rental listings currently include a breakdown of the various fees included in the all-in-rent fee. Renters who paid Invitation Homes $45 or more for covered fees or charges between January 2021 and September 2024—and who have not already received a credit or refund from the company—will be eligible for payment. The FTC will be sending out the checks, which must be cashed within 90 days. Though the company agreed to pay more than $48 million to compensate consumers, that amount is slightly more than the amount the FTC will send out—totaling about $106, on average, for each affected renter. INVITATION HOMES INVITES SCRUTINY The settlement comes about 18 months after the FTC sued Invitation Homes in September 2024 alleging various unlawful actions, according to the settlement details. Such actions included deceiving applicants about lease costs, charging renters undisclosed fees, failing to inspect homes before residents moved in, unfairly withholding tenants’ security deposits or imposing deceptive and unfair charges when renters moved out, and not permitting renters to opt out of certain services, like “smart home technology.” The company didn’t immediately respond to a request for comment from Fast Company. Dallas Tanner, CEO of Invitation Homes, was asked about the company’s legal issues with the FTC during a February meeting to discuss another company he leads, MIXT Industries, leasing a golf course in Polson, Montana. Though Tanner said he “can’t speak publicly about things like that,” he did tell the public meeting that “it became very popular” during President Joe Biden’s administration to “sort-of pick on housing groups,” according to reporting by the Lake County Leader. But Invitation Homes has been under fire on multiple fronts recently—and from both sides of the political aisle. It’s among a number of large corporate buyers of single-family homes that’s drawn the ire of President Donald The President and other lawmakers in Washington, D.C. and beyond. This January, The President signed an executive order, “Stopping Wall Street from Competing with Main Street Homebuyers” to crackdown on large, institutional investors purchasing single-family homes. In 2024, the company agreed to a $19.9 million settlement to resolve claims that alleged Invitation Homes had failed to obtain the necessary permits to avoid permit fees and property tax increases in 35 California cities. Shares of Invitation Homes (NYSE:INVH) rose nearly 0.4% on Friday, though the stock has tumbled more than 23% in the past year. View the full article

It’s possible that the IRS may owe you some money from the Covid era. Last month, a U.S. Court of Federal Claims decision broadened the interpretation of a particular part of the tax code, IRC Sec. 7508A, which concerned the postponement of tax deadlines during disasters, such as the Covid pandemic. Specifically, a February ruling in Kwong v. United States (2025)—a lawsuit concerning a plaintiff’s attempt to get a refund for tax penalties—decided that deadlines for filing tax returns, paying taxes, or filing for refunds needed to be completed by July 11, 2023. So, if a taxpayer was supposed to file their 2020 tax return by April 15, 2021, the date was shifted to July 11, 2023. Accordingly, this could have caused incorrect calculations by the IRS in terms of penalties, refunds, or claims of interest due on refunds. In effect, the courts are saying that the IRS didn’t have standing to charge penalties or interest while the emergency postponement was in effect, plus 60 days. The public health emergency caused by the pandemic lasted between January 20, 2020 and ended May 11, 2023. Sixty days after that: July 11, 2023. In short: It’s possible that taxpayers could be due for a refund, or to have penalties or interest levied against them for unpaid taxes relieved. It’s possible, though, that the IRS and federal government can appeal the ruling, so nothing is set in stone. How to find out if you may be owed money, and what to do next For taxpayers who feel like they may be owed some additional relief—that is, they think they were unfairly charged penalties or interest during the period between January 20, 2020 and July 10, 2023—it’s possible to request a refund. One company, Western Digital, took action last month, suing the IRS for $21 million claiming that it was unfairly charged interest during the disaster period. As for individual taxpayers, you’ll want to check your tax records to see if you were actually hit with any penalties or interest during the disaster period, to ensure you have standing. That can be done by looking at your tax account transcript, available from the IRS. Further, you or a tax professional can file Form 843 with the IRS to request a refund using the information on the transcript. View the full article

A recent class-action lawsuit against David Protein, filed in January, alleges the company misrepresented the amount of calories and fat in its popular, healthy-branded bar, claiming that it had “way more” of both than customers were led to believe. Now, in response to the lawsuit, social media is having a field day with comparisons to the 2004 movie Mean Girls, with one TikTok user and apparent David Protein customer posting, “I have been Regina Georged.” Here’s a quick brief on what’s happening. Wait, remind me, what’s the ‘Mean Girls’ plot again? If you’re like me, you’ve seen Mean Girls a dozen times. The plot is a hilarious and biting commentary on the social pressure on American teenage girls today. One major through-line in the high school teen girl drama is when protagonist and outcast Cady Heron (played by Lindsay Lohan) decides to fight back against popular Queen Bee Regina George (played by Rachel McAdams), and dupes her into eating fattening Kälteen Bars protein bars, pretending they are for weight loss: So how is this like the David protein bar lawsuit? David Protein says its bars have 150 calories, 28 grams of protein, two grams of fat, and zero grams of sugar. However, the lawsuit filed in the U.S. District Court for the Southern District of New York last month alleges the bars actually have 83% more calories and 400% more fat, according to third-party testing. Linus Technologies, the main defendant in the class-action lawsuit, operates under brand name David Protein. Fast Company has reached out to David Protein for comment. The lawsuit claims customers unwittingly bought the product without knowing its actual nutritional content, and requests payment for their damages or $50, whichever is more. David Protein, for its part, did acknowledge the social media references to Mean Girls. “No one is getting Regina Georged” David Protein posted on Instagram on Wednesday. “And the David bar still has 150 calories.” View the full article

Leading banks forecast oil could push well above $100 as The President says US can keep fighting ‘forever’View the full article

If you're a Chrome user, this is your reminder not to ignore available security updates. Google is pushing an emergency patch for a zero-day vulnerability that has been exploited in the wild, and a second zero-day has been identified and is expected to be fixed in a future update. As a reminder, zero-days are security vulnerabilities that have been actively exploited or publicly disclosed before the developer releases an official fix. These latest Chrome bugs are the second and third zero-days addressed so far in 2026—Google patched the first back in February. What this Google Chrome patch fixesThe vulnerability addressed with the current update is labeled as CVE-2026-3910 and is an inappropriate implementation in V8, Google's JavaScript and WebAssembly engine. The flaw was reported by the Google Threat Analysis Group on March 10, though no additional details as to how it has been exploited have been released. Google initially planned to patch a second zero-day, labeled CVE-2026-3909, with this update, an out-of-bounds write weakness in the 2D graphics library (Skia). When exploited, attackers could crash Chrome or execute code remotely. The fix for that vulnerability is now expected in a future update. What Chrome users need to doGoogle released a Stable Channel update on March 12, so you should ensure you are on the latest version of Chrome: 146.0.7680.75/76 for Windows/Mac and 146.0.7680.75 for Linux. It could take several days or even weeks to roll out to everyone, so install it as soon as you see the option. You can check your version via the Chrome menu > About Google Chrome. If you regularly quit and restart your browser, the update will be applied automatically—or you can do it manually by tapping the three dots in the top-right corner of the browser window. You'll need to restart Chrome to finalize the update. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. It hasn't even been a month since Samsung announced the new Galaxy S26 lineup of phones, and the flagship version, the Galaxy S26 Ultra, which starts at $1,299.99, is already getting a solid deal from Amazon: You can get a $200 Amazon gift card when placing your order through the online retailer. The deal applies to all four colors, and both the basic 256GB version and the maxed-out 512GB storage option as well. It's worth noting that if you plan to do a trade-in, Samsung offers better trade-in credits than Amazon, going up to $720. Samsung Galaxy S26 Ultra + $200 Gift Card 256GB, Privacy Display, Galaxy AI, AI Camera, Super Fast Charging 3.0, Durable Battery, 2026, US 1 Year Warranty $1,299.99 at Amazon Get Deal Get Deal $1,299.99 at Amazon The new Samsung Galaxy S26 Ultra is impressive, both in specs, design, and with practical new features. The most impressive new feature you'll notice is the built-in privacy display, which works like a privacy screen you would buy from a third-party seller. It's a feature no phone company has tried before, but if it works, I wouldn't be surprised if others follow suit. (The feature can be toggled on and off.) The cameras are excellent, with three lenses (200MP, 50MP, 50MP, and 10MP). The front-facing camera is a 12MP. You'll notice the hardware isn't very different from the Galaxy S25 Ultra, but there are new features. One is the pro video recording feature, which lets you record to external drives and shoot in the APV codec (Samsung's pro video codec); more advanced photographers will enjoy the higher resolution video formats. There's also a new video stabilizer to keep your videos from looking bumpy, new AI processors to bring out details in photos, better night-time shooting features, and more. You'll notice there is a clear price jump compared to the previous generation, but hopefully the $200 Amazon gift card helps alleviate that pain. You can learn more about the Galaxy S26 Ultra on PCMag's s"excellent" review. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $119.99 (List Price $179.00) Samsung Galaxy S26 512GB + $100 Amazon Gift Card (Black) — $1,099.99 (List Price $1,099.99) Google Pixel 10a 128GB 6.3" Unlocked Smartphone + $100 Gift Card — $599.00 (List Price $599.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $299.00 (List Price $399.00) Amazon Fire TV Soundbar — $99.99 (List Price $119.99) Deals are selected by our commerce team View the full article

BlackRock, the world’s largest asset manager, has said it would commit $100 million to training the next generation of skilled trades workers who can support a growing demand for new infrastructure. In its announcement, BlackRock explained that its philanthropic Future Builders Initiative will “help address urgent labor needs,” noting that there’s been an increase in “demand for workers in skilled trades such as electricians, HVAC technicians, plumbers, and ironworkers.” The company said that demand is expected to continue to surge in the coming years, and explained that it would help to meet that demand by supporting future workers during all stages of training through licensure. “Throughout our history, tradespeople have built our country,” Larry Fink, Chairman and CEO of BlackRock, who also serves as the chairman of the AI Infrastructure Partnership. said in the announcement. “America needs an estimated $10 trillion in infrastructure investment by 2033 to modernize aging systems and build new energy, digital, and AI infrastructure. Capital alone is not enough – people are central to building our nation’s future.” The announcement comes at a time when the rate of joblessness for Gen Z is surging, and college enrollment may be on the decline. As more young adults skip college degrees, unconvinced that four years of college, and oftentimes, taking on the burden of thousands in student loans will actually ensure a financially stable future, they’re pursuing blue-collar work more often. According to a 2025 Resume Builder report, 42% of Gen Z adults are turning to the trades in the wake of rising economic concerns and growing job instability. Experts say that a greater investment in the trades can help solve some of today’s current workforce challenges. Julian Scadden, CEO of Nexstar Network, an organization that helps skilled trades workers grow their business, says those jobs are “hand-on, high-impact and future proof.” Scadden explains that, “For too long, we’ve treated the trades as a fallback rather than a first-choice career option, but that perception is finally changing. The need isn’t just a flash in the pan, as there are longer term prospects and enormous opportunities for people in skilled trade careers.” That certainly feels true as concerns about finding a job that can actually enable young adults to afford modern living are real, and they’re rampant. But cost of living conversations aside, also driving those concerns are fears around AI taking human jobs. Interestingly, while AI may be able to take on a growing number of tasks once done by human workers, it’s also increasing the need for more skilled trade workers (at least for now). When speaking at the World Economic Forum alongside Larry Fink in January, Nvidia CEO Jensen Huang spoke to the fact that demand for skilled trade workers is surging as construction for AI data centers rises. “This is the largest infrastructure buildout in history and that’s gonna create a lot of jobs,” Huang said, while adding that pay for skilled trade work is increasing at the same time. “Salaries have gone up—nearly double,” the CEO said. He continued, “Everybody should be able to make a great living. You don’t need to have a PhD in computer science to do so.” Through that lens, experts say the investment in trades comes at the right time. Steve Metzmen, CEO of iBusiness Technologies, a mobile technology integrator and Apple partner, where he developed the Connected Apprentice platform for trades workers, tells Fast Company the investment is “very smart” and that “deep funding for trades training is needed now.” The CEO says that’s true given we’re at what he calls an “inflection point” where “cutting-edge technology and long-overdue appreciation for skilled trades are converging at exactly the same moment.” Metzmen continues, comparing the current transformative period to that of the 1800s, when railways were first being built: “Without those tracks, the great transformations of American industry and capitalism were not possible,” Metzmen says. “Required infrastructure had to come first, everything else waited and followed,” the CEO adds. Ironically, while BlackRock is clearly invested in supporting trade workers, they’re also deeply committed to the power of AI. In a 2025 transaction—one of the largest data center transactions ever—the firm purchased Aligned Data Centers in a $40 billion deal. “With this investment in Aligned Data Centers, we further our goal of delivering the infrastructure necessary to power the future of AI,” Fink said at the time. Likewise, per the recent announcement, the firm’s contribution will also go toward the building of new AI data centers. Still, while the investment may eventually add to the growing anxiety around AI taking over a growing number of jobs, BlackRock’s investment is bound to help those who want to pursue work in the trades find financial stability in the near future. Metzmen says, “This investment doesn’t just support labor—it helps to relieve the greatest constraint on the entire resource delivery pipeline.” View the full article

The U.S. economy, hobbled by last fall’s 43-day government shutdown, advanced at an unexpectedly sluggish 0.7% annual rate from October through December, the Commerce Department reported Friday in a big downgrade of its initial estimate. Growth in gross domestic product — the nation’s output of goods and services — was down sharply from 4.4% in last year’s third quarter and 3.8% in the second. And the fourth-quarter number was half the government’s first estimate of 1.4%; economists had expected the revision to go the other way — and show stronger growth. Federal government spending and investment, clobbered by the shutdown, plunged at a 16.7% rate, hacking 1.16 percentage points off fourth-quarter growth. For all of 2025, GDP grew 2.1%, solid but down from an initial estimate of 2.2% and from growth of 2.8% in 2024 and 2.9% 2023. In the fourth quarter, consumer spending grew at a 2% clip, down from 3.5% in the third quarter and the 2.4% the government had initially estimated. Business investment, excluding housing, increased at a healthy 2.2% pace, likely reflecting money being poured into artificial intelligence, but the increase was down from 3.2% in the third quarter and from the 3.7% advance in the Commerce department’s initial estimate. Exports fell at a 3.3% annual rate in the fourth quarter, a bigger drop than the government first estimated. A category within the GDP data that measures the economy’s underlying strength came in weaker than previously reported, growing at a 1.9% clip, down from 2.9% in the third quarter and from the first estimate of 2.4%. This category includes consumer spending and private investment, but excludes volatile items like exports, inventories and government spending. “Following two consecutive strong readings for the second and third quarters, the economy was expected to soften heading into year-end. It’s now increasingly clear that the economy not only slowed but stumbled into the finish line,” Jim Baird, chief investment officer at Plante Moran Financial Advisors, said in a commentary. “The government shutdown was certainly a major factor in the loss of momentum, but a sharp decline in consumption growth also played a role.” The U.S. economy — the world’s largest — has shown surprising resilience in the face of President Donald The President’s policies, including sweeping import taxes and mass deportations. But the war with Iran has driven up oil and gas prices and clouded the economic outlook. Meanwhile, the American job market is in a slump. Last month, companies, nonprofits and government agencies cut 92,000 jobs. In 2025, they added fewer than 10,000 jobs a month, the weakest hiring outside recession years since 2002. Friday’s GDP was the second of the three estimates of fourth-quarter growth. The final report is due April 9. —Paul Wiseman, AP economics writer View the full article

Feeld markets itself as “the dating app for the curious.” For most of its users, that means curiosity about kink and casual sex—but its newest tool asks you to be curious about yourself. As a favorite platform for the kink, fetish, and non-mongamous communities, Feeld is a place where taboos are the norm. But a new survey from the app suggests that kink is more mainstream than dominant culture would have you believe. And Feeld’s new tool, Reflections, accompanies the data by letting anyone, Feeld users and otherwise, assess their own relationship with nontraditional sex. Feeld surveyed thousands of both its own users and external respondents for opinions on the perceived normality of traits like non-monogamy, queerness, and kinkiness. It published the results in a report titled State of Reflections, Vol. 1. The survey found that while Feeld users were unsurprisingly more open-minded on average, the general public wasn’t far behind in its attitudes toward non-vanilla sex. Nearly half of non-Feeld users (42%) said they practice kink, compared to 68% of the app’s user base. In some areas, everyday folks were even kinkier than Feeld members: Among those who practice kink, 44% of external respondents said they engage in role play, just above the 41% of Feeld users that said the same. But despite what’s actually happening behind closed doors, kink remains largely stigmatized. Only 25% of non-Feeld users said that talking about safe sex is normal, and just 23% said it’s normal to prioritize conversations about consent. And 28% of those external participants believe alternative relationship structures—dynamics like ethical non-monogamy—are somewhat or extremely abnormal. Reflecting on taboos In service of breaking down those stigmas, Feeld launched Reflections, its new self-assessment tool. Reflections is a collection of surveys, where respondents rate their interests and behaviors across three categories: desire, boundaries, and relationships. In the desire section, users reflect on their comfort with a variety of kinks, from being blindfolded to roleplaying a doctor/patient relationship or bringing toys into the bedroom. The boundaries section asks them to consider what qualifies as a red flag in a relationship—going through a partner’s phone without consent might be a bridge too far, for example—and how much any given partner impacts their own self-expression. Finally, the relationships portion delves into attachment style and interest in non-monogamy. After each section, Feeld provides an analysis of those answers, providing scores out of 100 under headings including “kink affinity,” “feeling authentic in sex,” and “voice and consent.” (Reflections is available to anyone online, or to users directly in the Feeld app.) In a press release, Feeld CEO Ana Kirova described Reflections as “one of the most defining experiences we’ve brought to Feeld.” “It embodies what we’ve always stood for—curiosity, self-discovery, and openness—while reflecting our core belief that meaningful connection starts with self-understanding,” Kirova said. “Reflections creates the space for introspection, so every connection that follows can be more honest, intentional, and true to who you are.” View the full article

We may earn a commission from links on this page. The feature I love most on the Coros Pace 4 right now is one that I didn’t even notice at first. I knew that it had an extra button compared to the Pace 3, and I knew that I could use it to drop “voice pins” when I was out on my trail runs. I’m always fumbling with buttons to mark water taps or interesting things I find in the woods, so this seemed useful—but once I realized I could also use the feature to record end-of-workout notes, I suddenly became the kind of person who keeps end-of-workout notes. Coros Pace 4 $249.00 at Amazon Get Deal Get Deal $249.00 at Amazon On the Pace 4, when a workout is over—any workout, be it a trail run or a strength session—you have the option to rate how hard it was. And once you do that, you get an option to record a 60-second voice note with anything you’d like to say about your training. A Coros rep told me in a briefing that it’s meant to help athletes add notes to their training log, since we don’t all have time to remember to come back and add those notes in text. To be honest, I didn’t realize you could already add notes to training sessions after the fact. But once I knew about this voice feature, I found myself using it all the time. Heck, I started to look forward to that prompt. At first I just logged a few words about how the workout felt, but then I realized I could also use it to bridge the gap between my paper and digital records. When I do a strength workout, I jot down my sets, reps, and weights in a notebook. Even though I have tons of fitness apps at my disposal, it’s a lot easier to write down “hang power snatch plus snatch” than it is to search through a database of exercises and then try to figure out how to log two exercises in the same rep. ('ve yet to encounter a strength app that does this well.) It’s easier to have everything on paper. So now, when my workout ends, I read the highlights of my training log into the voice note. This way, when I look back at the workout on my phone, I have the data I need, plus any little notes I thought to add about my mindset that day, or the intensity, or any modifications I made in the moment. A few of the notes I've captured Credit: Beth Skwarecki The Coros app transcribes the note, so I can skim it as text when I look at my workout later. But the audio file is right there, should I want to listen to it to verify what I said. It’s also kind of a touching slice of life—I can hear my daughter interrupt me in one note, with my “wait sweetie” dutifully transcribed in the middle of a sentence. On another workout, I can hear myself laughing a bit as I describe getting caught by surprise by a muddy trail section. It’s safe to say I wouldn’t have returned to the app to add a text note about these things, but I do really enjoy being prompted to add them with my voice. Coros has this feature on the Pace 4, Apex 4, and Nomad watches. Amazfit has a similar feature on the T-Rex 3 and T-Rex 3 Pro. Garmin has a voice note feature on newer Forerunner and Fenix watches, but it’s a bit clunkier and doesn’t prompt you at the end of the workout like Coros does. Still, any of them can be a useful addition to your workout routine. View the full article

Financial planning rarely works well when income and expenses are scattered across notes, apps or disconnected files. A well-structured budget spreadsheet helps bring those numbers together so spending, savings and financial decisions can be managed with clarity. The free templates featured in this blog provide individuals, teams and businesses with practical tools to organize financial data, monitor expenses and maintain better control over their budgeting activities. Budget spreadsheets for Excel or Google Sheets are useful, but whenever you’re ready to make a budget for personal, professional or business projects, try ProjectManager instead. ProjectManager is an award-winning project management software equipped with advanced cost management features that allow organizations to create detailed project schedules, estimate costs, establish a budget, allocate resources and track costs in real time as work is executed. Get started for free today. /wp-content/uploads/2022/07/construction-gantt-resources-costs-150-CTA-BUTTON-1.jpgLearn more 1. Budget Spreadsheet Template for Excel A budget spreadsheet is a financial planning document used to organize income and expenses within a defined period. It helps individuals, teams and organizations estimate spending, track financial activity and compare planned versus actual amounts. By structuring financial data into clear rows and columns, a budget spreadsheet makes budget management, cost tracking and financial planning easier to monitor and control. /wp-content/uploads/2026/01/Budget-Sheet-Template-600x326.png This free budget spreadsheet template allows individuals and small business owners to record income, log expenses and monitor how those transactions affect their available budget throughout the budgeting period. As entries are added, built-in formulas automatically update totals, calculate variances and adjust the remaining balance, giving users a simple way to maintain ongoing budget tracking. Date: Records when each income or expense occurs so transactions remain tied to the selected budgeting period and can be reviewed in chronological order. Category: Organizes entries into financial groupings that help users evaluate spending patterns, identify priorities and summarize budget activity across different areas. Expense/Income Type: Specifies whether a transaction represents incoming funds or an expense, clarifying how the entry impacts the available budget balance. Description: Provides a short explanation of the transaction so individual income sources or expenses remain easy to identify during budget reviews. Frequency: Indicates how often the transaction occurs—such as weekly, monthly or one-time—supporting recurring expense planning and long-term budgeting. Budgeted Amount: Displays the planned financial amount assigned to an income source or expense category, serving as the target used for budget planning. Actual Amount: Records the real amount earned or spent during the budgeting period, allowing users to track financial performance against the planned budget. Difference: Automatically calculates the variance between the planned and actual values, highlighting overspending, underspending or potential savings. Notes: Offers space to document additional context, explanations or reminders that help clarify transactions during financial reviews. 2. Budget Spreadsheet Template for Google Sheets Within most organizations, a budget spreadsheet acts as the central document for planning, organizing and reviewing financial activity across a defined timeframe. Teams use it to estimate expenses, allocate funds, monitor spending patterns and compare estimated costs against real financial performance throughout the year. /wp-content/uploads/2024/01/Google-Sheets-budget-template-600x207.png This free budget spreadsheet template organizes annual financial planning by category while distributing estimated and actual costs across every month of the year. Users enter quantities, unit costs and recurrence types, allowing the spreadsheet to calculate totals automatically while showing how spending evolves throughout the budgeting cycle. Company and date header: Identifies the organization responsible for the budget and establishes the timeframe used to organize all financial planning and tracking activities. Category section: Groups expenses into major operational areas such as staffing, hardware, cybersecurity, software and project costs to improve financial analysis. Quantity and cost per unit fields: Capture purchase management details for each item or service so estimated costs can be calculated consistently across the budget. Estimated cost and recurrence column: Defines the planned financial commitment for each line item and indicates whether the cost occurs monthly, annually or once. Monthly estimated and actual columns: Allow users to monitor how spending unfolds each month while comparing projections against real financial activity. Total annual budget calculation: Automatically aggregates the full year of estimated spending across categories to provide a clear overview of total planned costs. Notes column: Provides additional context about purchases, assumptions or financial decisions that may affect how the budget is interpreted later. 3. Project Budget Spreadsheet Template for Excel A project budget is a financial plan that estimates the total cost required to complete a project. It outlines expected spending across categories such as labor, materials, equipment and other expenses so project managers can allocate resources, monitor financial performance and control costs throughout the project lifecycle. /wp-content/uploads/2023/08/Project-Budget-Screenshot-600x167.jpg This project budget spreadsheet organizes project costs by task using a work breakdown structure (WBS). Users assign tasks, estimate labor hours, input hourly rates and record material or fixed expenses. As actual costs are entered, the sheet compares budgeted versus actual spending and automatically calculates under- or over-budget balances. 4. Project Budget Spreadsheet Template for Google Sheets Structurally, this template mirrors the Excel project budget spreadsheet described earlier, using the same task-based layout, labor calculations and cost tracking columns. The difference is that it runs in Google Sheets, which allows teams to collaborate online, update budget data simultaneously and access project financial information from any device with real-time synchronization. /wp-content/uploads/2026/03/Project-Budget-Template-for-Google-Sheets-600x182.png 5. 50/30/20 Budget Spreadsheet Template for Excel A 50/30/20 budget is a personal financial planning framework that divides income into three spending categories. Fifty percent covers essential living expenses, thirty percent supports discretionary spending and twenty percent is allocated to savings or debt reduction. This personal budgeting method helps individuals balance daily costs, lifestyle spending and long-term financial goals. /wp-content/uploads/2025/03/50-30-20-template-600x231.png This 50/30/20 budget spreadsheet begins with monthly after-tax income and automatically distributes available funds into the three budgeting categories. Users list specific expenses under needs, wants and savings sections while the template calculates totals, shows available funds and highlights whether each category remains within its recommended spending limit. 6. 70/20/10 Budget Spreadsheet Template for Excel The 70/20/10 budget is a financial planning method that divides income into three priorities: seventy percent for living expenses, twenty percent for financial goals and ten percent for lifestyle spending. This approach helps individuals structure spending decisions while maintaining a balance between essential costs, savings priorities and discretionary expenses. /wp-content/uploads/2026/01/70-20-10-Template-featured-image-600x217.png This 70/20/10 budget spreadsheet starts by recording monthly income after taxes and then allocates funds into living expenses, financial goals and lifestyle categories. Users enter spending items such as housing, groceries, retirement savings and entertainment while the template calculates totals and displays whether spending remains within each budget allocation. 7. Budget Dashboard Spreadsheet Template for Excel A project budget is a financial plan that estimates how much money a project will require across different cost categories such as labor, materials, equipment and overhead. It helps project managers allocate funds, monitor financial performance and maintain cost control throughout the project lifecycle. /wp-content/uploads/2025/02/Budget-dashboard-template-screenshot-600x308.png This budget dashboard template summarizes project cost data using charts and visual reports. The template aggregates totals for direct materials, labor, equipment and overhead, then compares planned versus actual costs. As financial data is updated, charts automatically display cost distribution, variances and the remaining balance across budget categories. 8. Budget Dashboard Spreadsheet Template for Google Sheets This template follows the exact same structure as the Excel version, using visual charts and summary tables to display planned costs, actual spending and budget balances across project categories. The advantage of using Google Sheets is that teams can access the budget dashboard online, collaborate in real time and update financial data simultaneously from any device. /wp-content/uploads/2025/07/Budget-Tracker-for-Google-Sheets-600x303.png 9. Zero-Based Budget Spreadsheet Template for Excel A zero-based budget is a budgeting method where every dollar of income is assigned to a specific purpose until the remaining balance equals zero. Instead of estimating spending loosely, this approach requires individuals to justify each expense category so total income minus total allocations results in a fully planned financial plan. /wp-content/uploads/2026/02/Zero-based-budget-template-600x509.png This zero-based budget spreadsheet starts with total monthly income and assigns every dollar to a specific expense category. Users enter spending amounts for housing, transportation, insurance, savings and discretionary costs. The template totals all expenses and compares them against income to ensure the final balance equals zero. 10. Construction Budget Spreadsheet Template for Excel A construction budget is a financial plan used to estimate and control the costs required to complete a construction project. It organizes expected spending across categories such as labor, materials, equipment, subcontractors and overhead so project teams can allocate resources, monitor construction costs and maintain financial control throughout the building process. /wp-content/uploads/2024/02/construction-budget-for-excel-screenshot-600x160.png This construction budget spreadsheet organizes project costs using a work breakdown structure that lists construction tasks and assigns responsibility. Users enter labor hours, hourly rates, materials quantities and equipment costs. The template calculates totals automatically and compares budgeted versus actual costs to highlight whether the project remains under or over budget. 11. Event Budget Spreadsheet Template for Excel An event budget is a financial planning tool used to estimate and manage the costs required to organize and deliver an event. It organizes expected expenses across categories such as venue rental, vendors, equipment, travel, marketing and staffing so planners can allocate funds, track spending and keep the event within budget. /wp-content/uploads/2023/09/Event-budget-template-screenshot-600x481.jpg This event budget spreadsheet organizes expenses by event categories such as venue, equipment, travel and marketing. Users list vendors or contractors, estimate labor and material costs and track actual spending as the event progresses. Subtotals calculate automatically, helping event planners monitor total costs and maintain control over the event budget. 12. Event Budget Spreadsheet Template for Google Sheets This template uses the same structure as the Excel event budget spreadsheet described above, organizing event costs by category, vendor and cost type while calculating totals and subtotals automatically. The advantage of using Google Sheets is that event teams can collaborate in real time, update expenses simultaneously and access the budget dashboard from any device with an internet connection. /wp-content/uploads/2026/03/Event-Budget-Template-for-Google-Sheets-600x370.png ProjectManager Offers Robust Budgeting and Cost Management Features ProjectManager is an award-winning project management software equipped with workload management charts, timesheets, real-time project and portfolio management dashboards and reports that allow organizations to create project budgets, compare their estimates against actual project costs and monitor expenses at the task level. Watch the video to learn more! Related Budgeting Content 5 Personal Budget Templates for Excel (Free Download) How to Make a Budget Plan for Personal Finance Management 18 Budget Templates for Business & Project Budgeting How to Make a Project Budget: Project Budgeting Basics (Templates Included) How to Manage a Project Budget with Project Budgeting Software ProjectManager is award-winning software that allows organizations across industries to manage projects from start to finish. Our collaborative platform connects everyone on the project team and lets them work with the tools they want. Plan, monitor and report on every aspect of your projects. Get started with ProjectManager today for free. The post 12 Free Budget Spreadsheet Templates for Excel and Google Sheets appeared first on ProjectManager. View the full article

SerpApi is asking a federal court to dismiss Reddit’s lawsuit over alleged scraping of Reddit content from Google Search, saying Reddit is trying to use copyright law to control user posts and public search results. The motion follows Reddit’s amended complaint filed in February. SerpApi says the filing still fails to show copyright ownership, circumvention of technical protections, or concrete harm. SerpApi’s argument. SerpApi CEO Julien Khaleghy, in a blog post today, argued the lawsuit fails for several reasons: Reddit doesn’t own most of the content at issue. Its user agreement states that users retain ownership. Reddit holds only a non-exclusive license to user posts. The snippets cited in the complaint (e.g., dates, addresses, short fragments) aren’t copyrightable. SerpApi accessed Google Search pages, not Reddit itself. DMCA. Khaleghy said Reddit claims SerpApi violated the Digital Millennium Copyright Act (DMCA) by circumventing technical protections. SerpApi disputes that claim, saying it retrieves the same search results visible to anyone who enters a query in Google. Khaleghy argued that: SerpApi doesn’t break encryption or bypass authentication. Accessing public webpages isn’t “circumvention” under the DMCA. Reddit is trying to enforce copyright protections it doesn’t own. Reddit’s privacy policy states that public posts may appear in search results. Catch up quick. Legal fights over search scraping and AI data have intensified in recent months: Oct. 22: Reddit sued SerpApi, Perplexity, Oxylabs, and AWMProxy, alleging they scraped Reddit content through Google Search and reused it at scale. Reddit said it planted a “trap” post visible only to Google’s crawler that later appeared in Perplexity responses. Oct. 29: SerpApi said it would fight the lawsuit, calling the allegations inflammatory and defending access to public search data. Dec. 19: Google sued SerpApi, alleging the company bypassed bot protections and scraped licensed search features. Feb. 23: SerpApi asked a federal court to dismiss Google’s lawsuit, arguing Google is misusing the DMCA to restrict access to public search results. Why we care. The case tests whether companies can extract information from Google’s search results without violating copyright or the DMCA. The outcome could affect SEO tools and AI training data. What’s next. The court must decide whether Reddit’s amended complaint can proceed. If the judge dismisses the case with prejudice, Reddit’s claims against SerpApi in this lawsuit would end. SerpApi’s blog post. Reddit’s Lawsuit is a Dangerous Attempt to Expand Platform Power View the full article

Global events hide mistakes, confer agency and are exciting to bootView the full article

A recent SurveyMonkey study sheds light on the evolving landscape for women in the workplace, highlighting both the strides made and the challenges that remain. Conducted from February 10-16, 2026, this extensive survey included responses from 6,330 adults, with a significant focus on 3,048 women. Given its robust sample size, the findings carry valuable insights for small business owners looking to foster diverse and inclusive workplace environments. The survey reveals that women continue to face unique hurdles in the professional arena. Despite ongoing progress in certain fields, many women report significant barriers to career advancement and equitable treatment compared to their male counterparts. This presents small business owners with both an opportunity and a challenge; emphasizing a supportive environment for female employees can help attract and retain top talent while also enhancing workplace morale. Key takeaways from the survey indicate that while many women appreciate the flexibility their companies offer, a significant number still feel underrepresented in leadership roles. Business owners should note that promoting women into leadership and decision-making positions not only contributes to a more equitable workplace but can also drive better business performance. As the study points out, companies that prioritize diversity typically enjoy a greater range of insights and ideas, leading to innovative solutions and better outcomes. “Employers must recognize the importance of women’s voices in shaping their organizations,” says a representative from SurveyMonkey. “When women occupy leadership roles, it not only empowers those individuals but also serves as a model for aspiring employees.” This perspective underscored in the survey suggests that cultivating a diverse workforce can be a strategic advantage for small businesses aiming to thrive in competitive markets. Small business owners should also consider the implications of flexible work arrangements, which have become increasingly important for retaining female employees. The study indicates that many women value flexibility in their work schedules, particularly when it comes to balancing professional responsibilities with family life. Business owners looking to implement or enhance flexible work policies may find that doing so not only aids in retention but also boosts overall employee satisfaction across the board. However, these changes come with challenges. Implementing new policies to foster inclusion and support work-life balance requires careful planning and commitment. Business owners might initially encounter resistance or skepticism from those accustomed to traditional work practices. Clear communication about the reasons behind these changes, along with continuous training and support, can help ease this transition. The survey underscores the importance of not only listening to employee feedback but actively engaging in dialogue about workplace culture. Small business owners can leverage tools like anonymous surveys to gauge employee sentiment and identify areas for improvement. By gathering ongoing insights, businesses can adapt more effectively to employee needs and create a work environment that prioritizes inclusivity. Moreover, the data reveal that mentorship plays a crucial role in women’s career advancements. Small businesses can take advantage of mentorship programs that connect rising female leaders with experienced professionals in the industry. Establishing such initiatives not only fosters a sense of community but also equips women with the skills and networks needed to navigate their career paths successfully. Ultimately, embracing these changes elevates the entire team and can set a small business apart in an increasingly competitive landscape. By prioritizing women’s advancement and creating a supportive environment, small business owners can drive engagement, innovation, and loyalty among their workforce. This ongoing dialogue about women in the workplace is pivotal as businesses strategize for growth. Small business owners should view the findings from the SurveyMonkey study as not just data points but as critical insights for fostering a more inclusive workforce. For more details, you can access the full survey findings at SurveyMonkey. Image via Google Gemini This article, "New SurveyMonkey Study Highlights Workplace Gains and Ongoing Barriers for Women" was first published on Small Business Trends View the full article

A recent SurveyMonkey study sheds light on the evolving landscape for women in the workplace, highlighting both the strides made and the challenges that remain. Conducted from February 10-16, 2026, this extensive survey included responses from 6,330 adults, with a significant focus on 3,048 women. Given its robust sample size, the findings carry valuable insights for small business owners looking to foster diverse and inclusive workplace environments. The survey reveals that women continue to face unique hurdles in the professional arena. Despite ongoing progress in certain fields, many women report significant barriers to career advancement and equitable treatment compared to their male counterparts. This presents small business owners with both an opportunity and a challenge; emphasizing a supportive environment for female employees can help attract and retain top talent while also enhancing workplace morale. Key takeaways from the survey indicate that while many women appreciate the flexibility their companies offer, a significant number still feel underrepresented in leadership roles. Business owners should note that promoting women into leadership and decision-making positions not only contributes to a more equitable workplace but can also drive better business performance. As the study points out, companies that prioritize diversity typically enjoy a greater range of insights and ideas, leading to innovative solutions and better outcomes. “Employers must recognize the importance of women’s voices in shaping their organizations,” says a representative from SurveyMonkey. “When women occupy leadership roles, it not only empowers those individuals but also serves as a model for aspiring employees.” This perspective underscored in the survey suggests that cultivating a diverse workforce can be a strategic advantage for small businesses aiming to thrive in competitive markets. Small business owners should also consider the implications of flexible work arrangements, which have become increasingly important for retaining female employees. The study indicates that many women value flexibility in their work schedules, particularly when it comes to balancing professional responsibilities with family life. Business owners looking to implement or enhance flexible work policies may find that doing so not only aids in retention but also boosts overall employee satisfaction across the board. However, these changes come with challenges. Implementing new policies to foster inclusion and support work-life balance requires careful planning and commitment. Business owners might initially encounter resistance or skepticism from those accustomed to traditional work practices. Clear communication about the reasons behind these changes, along with continuous training and support, can help ease this transition. The survey underscores the importance of not only listening to employee feedback but actively engaging in dialogue about workplace culture. Small business owners can leverage tools like anonymous surveys to gauge employee sentiment and identify areas for improvement. By gathering ongoing insights, businesses can adapt more effectively to employee needs and create a work environment that prioritizes inclusivity. Moreover, the data reveal that mentorship plays a crucial role in women’s career advancements. Small businesses can take advantage of mentorship programs that connect rising female leaders with experienced professionals in the industry. Establishing such initiatives not only fosters a sense of community but also equips women with the skills and networks needed to navigate their career paths successfully. Ultimately, embracing these changes elevates the entire team and can set a small business apart in an increasingly competitive landscape. By prioritizing women’s advancement and creating a supportive environment, small business owners can drive engagement, innovation, and loyalty among their workforce. This ongoing dialogue about women in the workplace is pivotal as businesses strategize for growth. Small business owners should view the findings from the SurveyMonkey study as not just data points but as critical insights for fostering a more inclusive workforce. For more details, you can access the full survey findings at SurveyMonkey. Image via Google Gemini This article, "New SurveyMonkey Study Highlights Workplace Gains and Ongoing Barriers for Women" was first published on Small Business Trends View the full article

CEO Vishal Garg said he expects his firm's brokering loans for Credit Karma to make the consumer platform the largest originator in the country. View the full article

When you hit the share button on social media apps such as Instagram, Facebook, or Threads, these sites tack on a tracker to the link you're sharing. This tracker means that Instagram can tell who you've shared the link with, and it likely uses this information to further optimize its algorithm for ads. While the tech here is sneaky, it is easy to remove tracking information from these links. How do social media tracking links work?It's actually pretty easy to spot a link that has trackers. To check it out, copy the link to any Instagram post and paste it somewhere safe, like your notes app. A normal Instagram link looks like this: https://www.instagram.com/reel/DVrMKVVAaBi/ The same link with tracking has a bunch of additional characters at the end: https://www.instagram.com/reel/DVrMKVVAaBi/?igsh=cGd5cGx4enJmcThu Every character after that ? is used to identify that your profile shared the link. While this example highlights Instagram, the same thing happens on many other apps and websites. Facebook, Threads, Reddit, YouTube, Amazon, and many others use some kind of tracking parameters in links to see how people arrived at a certain post or a page. These trackers have some legitimate use cases, such as tracking affiliate links to pay commissions or keeping tabs on social media traffic. In some cases, however, these tracking links serve no purpose other than to identify who shared the link with you, and who you're sharing links with. That can be used to identify people you're close to, which in turn, helps social media giants deliver targeted ads to you and your friends or loved ones. It can also compromise your privacy, since someone opening your link will see your account was the one to originally share it—even if you don't share that link directly with them. How to remove tracking linksThe easiest way to remove tracking links is to manually delete the tracker from the URLs. This is quite easy to do on desktop browsers, where you have larger screens that let you see and delete tracking parameters from long URLs. In the case of Instagram, you can safely delete the part after the ? in most URLs. The same often applies to links from other social media sites too. To automate this process on desktop, you can use the built-in Copy Clean Link feature in Firefox, as well as similar features in browsers like Brave. Just right-click any link and select Copy Clean Link to remove its tracking parameters. You can also use uBlock Origin to remove tracking from URLs. In the extension's settings, go to Filter lists and enable URL Tracking Protection. The ClearURLs extension for Firefox or Microsoft Edge used to be a good option here, but it hasn't been updated in a while, and it may break some links, so I'd recommend avoiding it. If you have an iPhone, you can install the Anonymize Meta Sharing shortcut, which removes tracking parameters from Facebook, Instagram, and Threads links. Just copy the link, run the shortcut, and it'll give you a tracking-free version of the same URL. If you're on Android, or want an alternative on iOS, there's also a simple website called URL Clean that removes tracking from links. You can use it to remove some kinds of tracking, but you should note that it breaks some URLs. View the full article

Caution around the move is growing as focus has shifted to affordability, and current trading prices make near-term action unlikely, according to Wedbush. View the full article

PRA claims staff have been abused by public following government comments suggesting retailers are ‘price gouging’View the full article

Carnival Cruise Line has announced that it is launching a new dining experience on its ships for people who don’t like the long, leisurely evening dinners that cruises are known for. Here’s why Carnival is introducing the new option, and what it means for you if you’re traveling on a Carnival cruise soon. What’s happened? This week, Carnival announced that it is rolling out a new “Express Dining” option on more than a dozen of its ships. The cruise giant says that the new dining experience is designed to offer “a freshly prepared multi-course dinner experience in under an hour for groups of six guests or fewer.” The idea behind Express Dining is that if Carnival offers a faster way to enjoy an evening meal, guests who want to explore the ship’s other entertainment options, like shows or bars, will have more time to do so. “Our guests continue to tell us they value greater flexibility in how they spend their time on board, and Express Dining was designed with that in mind,” Carnival president Christine Duffy said, announcing the new dining option. Are leisurley dinners going away? If you’re one of the many people who find the long, leisurely dinners one of the major appeals of cruises, don’t worry—those aren’t going away. Instead, Carnival will offer guests the choice of “Express Dining” or the line’s traditional dining experience. Those who opt for the new Express Dining service should be aware that, due to the faster service, not all food options from the traditional dining service will be available. Carnival says that while the Express Dining service “significantly reduces service time” and mirrors much of the main dining experience’s offerings, the new service does have “a slightly abbreviated selection.” What ships is Carnival’s new Express Dining service available on? Carnival says the new Express Dining option is now available on the following 15 ships: Carnival Jubilee Carnival Celebration Mardi Gras Carnival Venezia Carnival Firenze Carnival Panorama Carnival Horizon Carnival Sunrise Carnival Vista Carnival Breeze Carnival Radiance Carnival Conquest Carnival Dream Carnival Glory Carnival Freedom Carnival says all ships in Carnival’s fleet will offer Express Dining “by the end of May.” Carnival’s stock has faced rough waters in 2026 While Carnival is betting that its guests will likely appreciate the option to sit down to a faster meal, the company’s announcement, as expected, seems to have been met with indifference from investors. After all, Carnival has bigger problems than serving food quickly right now. The company’s stock price (NYSE: CCL) has declined nearly 22% in the past month, particularly after the outbreak of the war in Iran, which is serving to drive up oil prices—a commodity that Carnival’s ships rely on. Higher oil prices mean higher costs for Carnival, and thus fewer profits. As of the time of this writing, CCL shares have now fallen over 19% since the year began. However, over the past 12 months, CCL shares have risen a healthy 29%. View the full article

When sourcing crafting materials, it’s vital to understand the various strategies that can optimize your efforts. Start by setting a budget, as keeping material costs within 25-30% of the retail price is fundamental for profitability. Consider sustainable options, such as recycling and upcycling, which not just save money but also support eco-friendly practices. Furthermore, building connections with local crafting communities can provide valuable resources. These foundational steps can greatly improve your sourcing approach. Key Takeaways Explore local community reuse centers and platforms like Freecycle for cost-effective and unique crafting materials. Prioritize ethical sourcing by researching suppliers and verifying the origins of materials for quality assurance. Maintain detailed records of material expenses to ensure costs remain within 25% to 30% of your retail price. Engage with crafting communities for supplier recommendations and eco-friendly sourcing tips to enhance your material options. Stay informed about local regulations and safety standards for crafting materials, especially for items intended for children. Understand the True Cost of Craft Supplies When you commence on crafting, it’s essential to understand the true cost of your supplies, as this knowledge directly impacts your pricing strategy and profitability. Ideally, material costs should be 25% to 30% of your final retail price. For example, if your product retails for £40, aim for a material cost not exceeding £12. When sourcing craft materials wholesale, remember to account for hidden expenses like shipping fees, customs charges, and minimum order requirements. Furthermore, consider potential wastage or defects, which can further inflate your costs. Keeping detailed records of your material expenses enables you to make informed pricing adjustments. Finally, factor in the storage space for your materials, as this affects your operating costs and inventory management. Define Your Unique Selling Proposition (USP) A well-defined Unique Selling Proposition (USP) is crucial for distinguishing your crafts in a crowded market. To create a strong USP, focus on the unique aspects of your work, like using sustainable, recycled, or locally sourced materials. These elements can attract environmentally conscious consumers. Moreover, incorporating rare materials, such as vintage fabrics or exotic woods, can further improve your craft’s distinctiveness. You might as well consider building your USP around cultural connections by utilizing traditional methods or heritage materials. Clearly defining your USP allows you to communicate the value of your products effectively, justifying prices that reflect their quality. Explore Smart Sourcing Options Building on your unique selling proposition requires not just creativity but furthermore resourcefulness in sourcing materials. You can explore various smart sourcing options to improve your crafting projects. Consider recycling and upcycling old materials, which can save costs and provide unique textures. Platforms like Freecycle and Facebook Marketplace often list free or low-cost supplies. Community reuse centers and salvage yards are also excellent for reclaimed materials. Don’t overlook ethical sourcing from nature, ensuring sustainable harvesting practices. Engaging with local crafting communities can likewise reveal hidden resources. Sourcing Option Benefits Recycling & Upcycling Cost-effective, unique designs Freecycle & Facebook Marketplace Low-cost, accessible supplies Community Reuse Centers Sustainable, reclaimed materials Research Trusted Suppliers for Quality and Consistency Researching trusted suppliers is essential for ensuring the quality and consistency of your crafting materials. Start by investing in reputable suppliers known for their commitment to quality and ethical sourcing practices. Conduct thorough research on potential suppliers by reading customer reviews and checking for industry certifications that indicate reliability. Engage directly with suppliers to inquire about the origins of their materials, ensuring they meet your ethical standards. Furthermore, consider suppliers that offer small batch runs or custom colorways, as these can provide unique elements for your projects during the maintenance of consistent quality. Finally, maintain an updated list of trusted suppliers based on your experiences with the quality of wholesale craft items received, streamlining your sourcing process for future projects. Balance Wholesale and Retail Markets Balancing wholesale and retail markets can greatly improve your crafting operations, allowing you to optimize both cost efficiency and product variety. By purchasing bulk craft kits from wholesale suppliers, you can reduce costs considerably, making it easier to scale production. Meanwhile, retail markets offer the flexibility to experiment with unique materials without the burden of large minimum orders. Here’s a quick comparison: Source Type Advantages Disadvantages Wholesale Lower costs, bulk pricing Minimum order requirements Retail Flexibility, no minimums Higher prices per unit Combined Use Diverse inventory, cost-effective Balance needed for efficiency Strategically combining both approaches can help maintain a well-rounded inventory for your crafting needs. Consider Regulations and Safety Considerations When you’re plunging into the domain of crafting materials, it’s vital to understand the regulations and safety considerations that come with sourcing various supplies. Always familiarize yourself with local regulations, especially for natural or second-hand craft resources, to guarantee compliance with safety standards. Check for certifications such as ASTM or EN71 for children’s supplies to confirm they’re non-toxic. Be cautious with materials like paints and adhesives, as they may contain hazardous substances and require proper labeling. Research guidelines for reclaimed or upcycled materials, since they can have specific safety regulations because of potential contaminants. Finally, verify any imported materials meet your country’s safety regulations to avoid legal issues and prioritize customer safety. Join Online Communities for Resource Sharing Joining online crafting communities can greatly improve your resource-gathering efforts. By networking with fellow crafters, you’ll gain access to valuable project ideas and firsthand recommendations for sourcing materials. These platforms additionally provide a space to share surplus supplies, ensuring you not only find what you need but likewise contribute to a sustainable crafting environment. Networking With Fellow Crafters Networking with fellow crafters can greatly improve your crafting experience, especially when you tap into online communities dedicated to resource sharing. Joining platforms like Facebook groups or crafting forums allows you to share and receive valuable recommendations on sourcing craft materials in bulk. Many of these communities host swap events or “destash” sales, where you can exchange excess supplies, promoting a circular economy. Engaging with other crafters can likewise lead you to discover local suppliers and unique materials that aren’t widely advertised. Furthermore, you might gain access to exclusive discounts from suppliers, enhancing your purchasing capability. Participating in discussions about sustainable practices can inspire innovative ideas for sourcing materials as you reduce your environmental footprint. Sharing Project Ideas Exploring online crafting communities opens up a wealth of opportunities for sharing project ideas and gaining inspiration. By joining platforms like Facebook groups or Reddit forums, you can connect with fellow crafters who share your passion. These communities often host challenges, allowing you to try new techniques and showcase your results. Consider these benefits of engaging in online crafting groups: Share project ideas and techniques to boost creativity. Receive feedback on your designs for improvement. Discover sustainable crafting materials and where to buy craft supplies. Participate in themed projects that encourage skill development. Accessing Resource Recommendations Accessing resource recommendations through online crafting communities can greatly enrich your crafting experience. These platforms, like Facebook Groups and Reddit, allow you to ask, “Where can I buy craft supplies?” and receive invaluable answers. By joining these groups, you gain access to supplier recommendations, project ideas, and insights on eco-friendly materials. Community Type Benefits Popular Platforms Facebook Groups Supplier recommendations Facebook Reddit Project ideas & discussions Reddit Crafting Forums Eco-friendly sourcing tips Crafting dedicated forums Local Meetup Groups Collaboration opportunities Meetup, local community sites Engaging with fellow crafters enriches your knowledge about sales and can lead to partnerships that expand your resources. Frequently Asked Questions How Can I Determine the Best Materials for My Crafting Niche? To determine the best materials for your crafting niche, start by researching industry standards and trends. Analyze what successful crafters in your niche use, evaluating durability, cost, and availability. Experiment with different materials to understand their properties and how they affect your projects. Moreover, consider your target audience’s preferences and needs. For example, if you’re crafting jewelry, explore options like sterling silver or hypoallergenic materials to cater to diverse customers. What Are the Benefits of Using Eco-Friendly Materials in Crafting? Using eco-friendly materials in crafting offers several benefits. First, they reduce your environmental impact by minimizing waste and pollution. For example, recycled paper and organic fabrics are sustainable alternatives. Second, eco-friendly materials often promote healthier indoor air quality, as they lack harmful chemicals. Finally, using these materials can improve your brand’s appeal, attracting environmentally conscious customers. How Do I Calculate the Total Cost of My Crafting Projects? To calculate the total cost of your crafting projects, add up the prices of all materials you’ll need, including glue, fabric, and tools. Don’t forget to include any shipping fees if you’re ordering online. If you plan to make multiple items, multiply the cost of materials by the number of items. Finally, consider any additional costs, like equipment or workspace, to get a thorough total for your project expenses. What Are Common Mistakes to Avoid When Sourcing Materials? When sourcing materials, avoid common mistakes like failing to compare prices, which can lead to overspending. Don’t overlook quality; low-priced items may not perform well. Always check for hidden costs, such as shipping fees. Furthermore, neglecting to read reviews can result in poor material choices. Verify you’re purchasing from reputable suppliers, as this impacts your project’s outcome. Finally, remember to reflect on the environmental impact of your materials for sustainable crafting. How Can I Track My Material Inventory Efficiently? To track your material inventory efficiently, start by organizing your items into categories, such as fabric, paint, or tools. Use an inventory management software or a simple spreadsheet to log each item, noting quantities and locations. Regularly update your records when you add or use materials. Consider implementing a barcode system for quick scanning. Furthermore, schedule routine checks to verify your inventory matches your records, helping you avoid shortages or excess materials. Conclusion By implementing these seven crucial tips for sourcing crafting materials, you can streamline your process and guarantee quality as you stay within budget. Comprehending the true costs, exploring sustainable options, and connecting with trusted suppliers will improve your crafting projects. Moreover, engaging with online communities can provide valuable insights and resources. Prioritizing safety regulations will keep your creations secure, especially for children. With these strategies, you’ll build a solid foundation for successful crafting endeavors. Image via Google Gemini This article, "7 Essential Tips for Sourcing Crafting Materials" was first published on Small Business Trends View the full article

When sourcing crafting materials, it’s vital to understand the various strategies that can optimize your efforts. Start by setting a budget, as keeping material costs within 25-30% of the retail price is fundamental for profitability. Consider sustainable options, such as recycling and upcycling, which not just save money but also support eco-friendly practices. Furthermore, building connections with local crafting communities can provide valuable resources. These foundational steps can greatly improve your sourcing approach. Key Takeaways Explore local community reuse centers and platforms like Freecycle for cost-effective and unique crafting materials. Prioritize ethical sourcing by researching suppliers and verifying the origins of materials for quality assurance. Maintain detailed records of material expenses to ensure costs remain within 25% to 30% of your retail price. Engage with crafting communities for supplier recommendations and eco-friendly sourcing tips to enhance your material options. Stay informed about local regulations and safety standards for crafting materials, especially for items intended for children. Understand the True Cost of Craft Supplies When you commence on crafting, it’s essential to understand the true cost of your supplies, as this knowledge directly impacts your pricing strategy and profitability. Ideally, material costs should be 25% to 30% of your final retail price. For example, if your product retails for £40, aim for a material cost not exceeding £12. When sourcing craft materials wholesale, remember to account for hidden expenses like shipping fees, customs charges, and minimum order requirements. Furthermore, consider potential wastage or defects, which can further inflate your costs. Keeping detailed records of your material expenses enables you to make informed pricing adjustments. Finally, factor in the storage space for your materials, as this affects your operating costs and inventory management. Define Your Unique Selling Proposition (USP) A well-defined Unique Selling Proposition (USP) is crucial for distinguishing your crafts in a crowded market. To create a strong USP, focus on the unique aspects of your work, like using sustainable, recycled, or locally sourced materials. These elements can attract environmentally conscious consumers. Moreover, incorporating rare materials, such as vintage fabrics or exotic woods, can further improve your craft’s distinctiveness. You might as well consider building your USP around cultural connections by utilizing traditional methods or heritage materials. Clearly defining your USP allows you to communicate the value of your products effectively, justifying prices that reflect their quality. Explore Smart Sourcing Options Building on your unique selling proposition requires not just creativity but furthermore resourcefulness in sourcing materials. You can explore various smart sourcing options to improve your crafting projects. Consider recycling and upcycling old materials, which can save costs and provide unique textures. Platforms like Freecycle and Facebook Marketplace often list free or low-cost supplies. Community reuse centers and salvage yards are also excellent for reclaimed materials. Don’t overlook ethical sourcing from nature, ensuring sustainable harvesting practices. Engaging with local crafting communities can likewise reveal hidden resources. Sourcing Option Benefits Recycling & Upcycling Cost-effective, unique designs Freecycle & Facebook Marketplace Low-cost, accessible supplies Community Reuse Centers Sustainable, reclaimed materials Research Trusted Suppliers for Quality and Consistency Researching trusted suppliers is essential for ensuring the quality and consistency of your crafting materials. Start by investing in reputable suppliers known for their commitment to quality and ethical sourcing practices. Conduct thorough research on potential suppliers by reading customer reviews and checking for industry certifications that indicate reliability. Engage directly with suppliers to inquire about the origins of their materials, ensuring they meet your ethical standards. Furthermore, consider suppliers that offer small batch runs or custom colorways, as these can provide unique elements for your projects during the maintenance of consistent quality. Finally, maintain an updated list of trusted suppliers based on your experiences with the quality of wholesale craft items received, streamlining your sourcing process for future projects. Balance Wholesale and Retail Markets Balancing wholesale and retail markets can greatly improve your crafting operations, allowing you to optimize both cost efficiency and product variety. By purchasing bulk craft kits from wholesale suppliers, you can reduce costs considerably, making it easier to scale production. Meanwhile, retail markets offer the flexibility to experiment with unique materials without the burden of large minimum orders. Here’s a quick comparison: Source Type Advantages Disadvantages Wholesale Lower costs, bulk pricing Minimum order requirements Retail Flexibility, no minimums Higher prices per unit Combined Use Diverse inventory, cost-effective Balance needed for efficiency Strategically combining both approaches can help maintain a well-rounded inventory for your crafting needs. Consider Regulations and Safety Considerations When you’re plunging into the domain of crafting materials, it’s vital to understand the regulations and safety considerations that come with sourcing various supplies. Always familiarize yourself with local regulations, especially for natural or second-hand craft resources, to guarantee compliance with safety standards. Check for certifications such as ASTM or EN71 for children’s supplies to confirm they’re non-toxic. Be cautious with materials like paints and adhesives, as they may contain hazardous substances and require proper labeling. Research guidelines for reclaimed or upcycled materials, since they can have specific safety regulations because of potential contaminants. Finally, verify any imported materials meet your country’s safety regulations to avoid legal issues and prioritize customer safety. Join Online Communities for Resource Sharing Joining online crafting communities can greatly improve your resource-gathering efforts. By networking with fellow crafters, you’ll gain access to valuable project ideas and firsthand recommendations for sourcing materials. These platforms additionally provide a space to share surplus supplies, ensuring you not only find what you need but likewise contribute to a sustainable crafting environment. Networking With Fellow Crafters Networking with fellow crafters can greatly improve your crafting experience, especially when you tap into online communities dedicated to resource sharing. Joining platforms like Facebook groups or crafting forums allows you to share and receive valuable recommendations on sourcing craft materials in bulk. Many of these communities host swap events or “destash” sales, where you can exchange excess supplies, promoting a circular economy. Engaging with other crafters can likewise lead you to discover local suppliers and unique materials that aren’t widely advertised. Furthermore, you might gain access to exclusive discounts from suppliers, enhancing your purchasing capability. Participating in discussions about sustainable practices can inspire innovative ideas for sourcing materials as you reduce your environmental footprint. Sharing Project Ideas Exploring online crafting communities opens up a wealth of opportunities for sharing project ideas and gaining inspiration. By joining platforms like Facebook groups or Reddit forums, you can connect with fellow crafters who share your passion. These communities often host challenges, allowing you to try new techniques and showcase your results. Consider these benefits of engaging in online crafting groups: Share project ideas and techniques to boost creativity. Receive feedback on your designs for improvement. Discover sustainable crafting materials and where to buy craft supplies. Participate in themed projects that encourage skill development. Accessing Resource Recommendations Accessing resource recommendations through online crafting communities can greatly enrich your crafting experience. These platforms, like Facebook Groups and Reddit, allow you to ask, “Where can I buy craft supplies?” and receive invaluable answers. By joining these groups, you gain access to supplier recommendations, project ideas, and insights on eco-friendly materials. Community Type Benefits Popular Platforms Facebook Groups Supplier recommendations Facebook Reddit Project ideas & discussions Reddit Crafting Forums Eco-friendly sourcing tips Crafting dedicated forums Local Meetup Groups Collaboration opportunities Meetup, local community sites Engaging with fellow crafters enriches your knowledge about sales and can lead to partnerships that expand your resources. Frequently Asked Questions How Can I Determine the Best Materials for My Crafting Niche? To determine the best materials for your crafting niche, start by researching industry standards and trends. Analyze what successful crafters in your niche use, evaluating durability, cost, and availability. Experiment with different materials to understand their properties and how they affect your projects. Moreover, consider your target audience’s preferences and needs. For example, if you’re crafting jewelry, explore options like sterling silver or hypoallergenic materials to cater to diverse customers. What Are the Benefits of Using Eco-Friendly Materials in Crafting? Using eco-friendly materials in crafting offers several benefits. First, they reduce your environmental impact by minimizing waste and pollution. For example, recycled paper and organic fabrics are sustainable alternatives. Second, eco-friendly materials often promote healthier indoor air quality, as they lack harmful chemicals. Finally, using these materials can improve your brand’s appeal, attracting environmentally conscious customers. How Do I Calculate the Total Cost of My Crafting Projects? To calculate the total cost of your crafting projects, add up the prices of all materials you’ll need, including glue, fabric, and tools. Don’t forget to include any shipping fees if you’re ordering online. If you plan to make multiple items, multiply the cost of materials by the number of items. Finally, consider any additional costs, like equipment or workspace, to get a thorough total for your project expenses. What Are Common Mistakes to Avoid When Sourcing Materials? When sourcing materials, avoid common mistakes like failing to compare prices, which can lead to overspending. Don’t overlook quality; low-priced items may not perform well. Always check for hidden costs, such as shipping fees. Furthermore, neglecting to read reviews can result in poor material choices. Verify you’re purchasing from reputable suppliers, as this impacts your project’s outcome. Finally, remember to reflect on the environmental impact of your materials for sustainable crafting. How Can I Track My Material Inventory Efficiently? To track your material inventory efficiently, start by organizing your items into categories, such as fabric, paint, or tools. Use an inventory management software or a simple spreadsheet to log each item, noting quantities and locations. Regularly update your records when you add or use materials. Consider implementing a barcode system for quick scanning. Furthermore, schedule routine checks to verify your inventory matches your records, helping you avoid shortages or excess materials. Conclusion By implementing these seven crucial tips for sourcing crafting materials, you can streamline your process and guarantee quality as you stay within budget. Comprehending the true costs, exploring sustainable options, and connecting with trusted suppliers will improve your crafting projects. Moreover, engaging with online communities can provide valuable insights and resources. Prioritizing safety regulations will keep your creations secure, especially for children. With these strategies, you’ll build a solid foundation for successful crafting endeavors. Image via Google Gemini This article, "7 Essential Tips for Sourcing Crafting Materials" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. The MacBook Neo seems to be anything anyone in the tech world can talk about this week. Apple somehow made a MacBook that does just about everything you want a MacBook to do, all for $599 ($499 with an education discount). That price point makes Apple's next-cheapest computer, the MacBook Air, seem borderline unreasonable for $1,099. MacBook Neo $599.00 at Amazon Shop Now Shop Now $599.00 at Amazon Part of what's fueling the hype here is how much the MacBook Neo could disrupt the budget and midrange laptop markets. Why spend $200 or $300 on a Chromebook when for a bit more, you could have a near-complete macOS experience? In the same vein, if you're turned off by Windows' insistence on unnecessary AI features and aggressive ads, but avoided Macs because of their high price tags, the Neo could turn you away from PC. In fact, much of the discussion around the Neo is how this might finally be the midrange Windows laptop replacement the market has been looking for. But a $499 MacBook isn't without compromises. The Neo has certain limitations you might not be used to from Apple's usual Macs, or from your Windows PC: There's only 8GB of RAM, even if you pay for the model with 512GB of storage; the keyboard doesn't have a backlight; and the USB-C ports are older, which means you can't charge as fast as other devices, or transfer data as quickly. But if you're coming from a Windows machine, and you're used to a certain way of doing things, you might be thinking: Can the MacBook Neo run Windows? The answer, it seems, is yes—but you probably shouldn't buy it for that. The MacBook Neo isn't the perfect Windows replacementFirst things first: the MacBook Neo can't run Windows natively. Those days are long behind us, once Apple switched from Intel chips to its own ARM-based Apple silicon. Intel Macs have "Boot Camp," which can install Windows directly onto a partition of the machine. With Apple silicon Macs, you need to use a third-party program to run Windows in a virtual machine. One such program is Parallels, long an option for Mac users looking to run Windows while still having ready access to macOS. As it happens, Parallels confirmed the MacBook Neo is compatible with its application, which means the computer's A18 Pro chip can handle running Windows in a virtual machine. Problem solved, right? Unfortunately, no. While Windows will run in Parallels on MacBook Neo, it might not be an ideal experience for many PC users. That's directly from Parallels itself, which commented: "For light, occasional Windows use, like a legacy business tool, or a Windows-only utility, MacBook Neo may provide an acceptable experience. For CPU- or GPU-intensive Windows applications, this computer is not the right choice." Part of the issue is that the virtual machine running Windows 11 requires at least 4GB of RAM. The MacBook Neo is locked at 8GB, which doesn't leave much room for macOS. Parallels runs concurrently with macOS, since it runs Windows 11 in its own window. It's like if Windows 11 was an app on your Mac, alongside Safari, Messages, or Mail. Once you start running too much at once, you could easily choke your machine. If you need to run Windows, consider these cheap laptopsIf you don't really care about Windows support, and you're just looking for a capable laptop at that $500 or $600 price point, then the MacBook Neo could definitely replace a comparable Windows machine. It'll also runs Microsoft apps that have Mac support, like Word, PowerPoint, and Teams. But I wouldn't recommend it for users looking for something that also runs Windows, and the Windows-only programs they're used to. If that sounds like you, you might want to look at budget and midrange Windows laptops, like the Acer Aspire 3 or Acer Aspire 16. If you still want both Windows and macOS access, consider a different MacBook. At that Neo price point, you could find an M1 MacBook Air with 16GB of RAM. The Neo actually outperforms the M1 in some ways, but that extra RAM will help you run Windows better in Parallels. View the full article

Business and households alike are worrying — the Fed should be tooView the full article

We may earn a commission from links on this page. This might be the whitest thing I've ever written, but I'm getting into sailing. A friend recently took me on a sail around Santa Barbara, and I finally really understand what Christopher Cross meant when he sang, "The canvas can do miracles. Just you wait and see." Except I don't know how to do it. So I was just sitting there, not actually sailing. It's personally frustrating to feel useless on the poop deck (It's called a "poop deck," right?), so I downloaded MarineVerse Sailing Club for the Meta Quest 3, and it became my "Upgrade of the Week." How I learned to sail the (virtual) seas with MarineVerse Sailing ClubThe next time I go sailing (which I hope is going to be soon, eh, Doug?), I'm going to be armed with whatever salty seamanship skills one can gain in virtual reality. MarineVerse Sailing Club lets you pilot and race five different crafts, from dinghies to yachts, in exotic VR locations all over the world like fake-Sydney and ersatz-Rio. But more importantly to me, it's a way to learn the basics of sailing: things like the names of parts of the boat, and more advanced boat-biz like tacking, jibing, and right-of-way rules. It features a series of easy-to-follow lessons that are way more interesting and fun than just reading about sailing, and you can take what you learn and face off with others in multiplayer races, or just sail around the virtual seas. MarineVerse Sailing Club $29.99 at Meta Get Deal Get Deal $29.99 at Meta I haven't really gotten into the community aspect of it yet, but Sailing Club has an active userbase of thousands of scalawags, many of whom are real-life sailors, who compete in organized racing leagues and jaw about the sea on Discord, just like a real sailing club. It's the kind of niche community that flourishes in virtual spaces. The focus is on realism instead of thrills and the graphics are very last-generation, so I don't know if I would recommend Sailing Club strictly as a game, but as a learning tool or cheap fix when you're far from the marina, it's worth $29.99. Even if you throw in the cost of a Meta Quest 3, that's a small fraction of the $10,000 you'd pay for a cheap sailboat. Obviously, you're only scratching the surface of sailing knowledge with a VR simulation, and the best VR sailing experience is about a two on the awesomeness scale compared to actually floating around in the ocean, but if you're like me, and you don't want to be a total sailing noob, it's a very fun first step. Ahoy! Meta Quest 3 512GB — The Most Powerful Quest — Ultimate Mixed Reality Experiences — Get Batman: Arkham Shadow - White $499.99 at Walmart $901.32 Save $401.33 Get Deal Get Deal $499.99 at Walmart $901.32 Save $401.33 View the full article