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A reader writes: I am about to make my first hire. We posted the job a couple of days ago. The job is semi-specialized work with specific qualifications. The job description clearly says cover letter and resume. Of the many applications I’ve received, one, maybe two, indicate that they’ve read the application before applying. The others appear to be following a job search plan that is along the lines of “throw spaghetti at the wall and see what sticks” – ranging from generic cover letters that don’t mention either the name of the employer or the job itself (if there’s a cover letter) to resumes that show nothing in the form of meeting requirements. Is this really a common job hunt strategy? Is it fallout from unemployment and a bit of desperation on the part of job-seekers, or are people just getting bad advice, and not figuring out what works for them? I answer this question — and two others — over at Inc. today, where I’m revisiting letters that have been buried in the archives here from years ago (and sometimes updating/expanding my answers to them). You can read it here. Other questions I’m answering there today include: Should I not say “my team”? How to explain interviewing for a new job after working for yourself The post why are so many unqualified candidates applying for the job we advertised? appeared first on Ask a Manager. View the full article

The growing backlash to data centers, and the rising electricity bills that accompany them, has become difficult for politicians to ignore. President Donald The President is now the latest to address the issue. In his State of the Union address on Tuesday, The President announced what he called a “ratepayer protection pledge,” for which the White House will tell “major tech companies that they have the obligation to provide for their own power needs.” “We have an old grid,” The President said. “It could never handle the kind of numbers, the amount of electricity that’s needed.” Under the agreement, tech companies can build their own power plants, which The President says will protect community electricity prices from going up. “In many cases,” he added, “prices of electricity will go down for the community, and very substantially down.” Another empty promise? To climate experts, though, that pledge sounds like another empty promise from the president, just like his campaign vow to reduce Americans’ utility costs. One of The President’s key campaign promises was to slash Americans’ energy bills in half within the first year of his presidency. But in reality, electricity bills rose 13% nationally by the end of 2025, according to Climate Power, a climate advocacy organization. That hike hasn’t been entirely because of the AI-driven data center boom. Bills rose in part because the The President administration has canceled clean energy projects like wind and solar and instead made the country more dependent on foreign oil and fossil fuels. Those efforts will only exacerbate the energy costs associated with data centers. Wind and solar power are cheaper than coal and natural gas for utility-scale electricity—but as data centers demand more and more power, the country is building more natural gas power plants. “If The President and Republicans were serious about lowering costs, they’d focus on bringing more made in America clean energy onto the grid,” Climate Power senior advisor Jesse Lee said in a statement following the State of the Union. “Instead, they’re trying to ban it.” Data centers becoming a political issue The President’s ratepayer protection pledge is the latest version of a data center solution that has been growing in popularity. As they face increased backlash, with communities opposing data center projects in their backyards, some tech companies like Anthropic have taken it upon themselves to promise to pay for their increased energy use. Politicians, on both sides of the aisle, are also increasingly calling for fixes. In November 2025, Abigail Spanberger won the Virginia governor’s race after focusing on rising electricity bills during her campaign. She specifically called out data centers, saying she’ll make sure they pay “their own way and their fair share” of their new electricity and transmission needs. More recently, Missouri Senator Josh Hawley introduced a bill this month to stop data centers from driving up energy costs by requiring them to have their own power sources. Vermont Senator Bernie Sanders just this week went for a more extreme solution, calling for a moratorium on data center construction. It’s not clear if these efforts will do anything to stem the rising costs for all the data centers already planned or in the works, though—which would add a total of 93 GW of electricity demand to the grid by 2029. Already in response to that demand, proposals for new natural gas plants are soaring, tripling in 2025 compared to the year prior, according to nonprofit research organization Global Energy Monitor. The U.S. now has the most gas-fired power capacity in development (that includes projects that have been announced as well as those in preconstruction and/or construction), the nonprofit says—with more than a third of that capacity slated to directly power data centers. View the full article

Aulene Wessel also previously worked in the fintech sector, and will be heading up accounting in her new post at the nonbank mortgage lender and servicer. View the full article

Plus six factors to consider. By August Aquila MAX: Maximize Productivity, Profitability and Client Retention Go PRO for members-only access to more August J. Aquila. View the full article

Discord, the popular platform for gamers to communicate online, is postponing its controversial age verification policy after receiving swift backlash from users with concerns about their privacy. The global rollout of the system is now delayed to the second half of 2026, Discord’s Chief Technology Officer and co-founder Stanislav Vishnevskiy wrote in a Tuesday blog post acknowledging that the company “missed the mark.” “Many of you are worried that this is just another big tech company finding new ways to collect your personal data. That we’re creating a problem to justify invasive solutions,” Vishnevskiy wrote. “I get that skepticism. It’s earned, not just toward us, but toward the entire tech industry. But that’s not what we’re doing.” Discord, which says it has more than 200 million active users, will continue to meet specific legal obligations it has for age verification of users, the company said, but the global expansion of age verification will only come after it makes changes to the initial policy it laid out in early February. The company announced earlier this month that it would roll out an age verification policy in March that would include face scanning or requests for an ID upload for users it could not determine were adults. This drew swift ire from users. Many pointed to a recent security breach of a third-party provider Discord worked with that exposed government ID photos of up to 70,000 Discord users. Vishnevskiy referenced the security breach in the blog post, writing that he understood that incident added to users’ skepticism, but he emphasized the company no longer works with that vendor and has rigorous standards for its partners. “Every vendor we work with goes through a security and privacy review before integration,” he wrote. “That includes contractual limits on data use, and strict retention and deletion requirements. Information submitted for age verification is stored only for the minimum time necessary, which in most cases means it’s deleted immediately. If a vendor doesn’t pass, we don’t work with them.” One of the vendors that didn’t meet the mark was Persona, an identity verification service. Vishnevskiy said Discord ran a limited test with Persona in the United Kingdom only in January. The company was not able to meet Discord’s standard for facial age estimation, Vishnevskiy wrote, which stipulates that the estimation “must be performed entirely on-device, meaning your biometric data never leaves your phone.” The company distanced itself from Persona after that relationship also became the subject of online criticism. Persona is backed by the venture capital firm Founders Fund, which is run by by Palantir Technologies co-founder Peter Thiel. Thiel and Palantir are often criticized for of the company’s partnerships with the government for surveillance purposes, with Palantir recently inking an agreement with U.S. Immigration and Customs Enforcement to streamline the process of identifying and deporting people the agency is targeting. The backlash to the original policy and even the revised version came even though Vishnevskiy wrote that for “90%+ of users, nothing changes.” Discord is able to proactively determine the ages of the vast majority of users by looking at account-level signals. Those include how long the account has existed, whether there is a payment method on file, the types of servers a user is in and general patterns of account activity, Vishnevskiy wrote. He emphasized the company does not read messages, analyze conversations or look at account content to estimate users ages. For the minority of users whose ages Discord cannot determine, the company is now working to offer more options beyond face scanning and requesting an ID, including credit card verification. The company is going to “complete and expand” alternative options before rolling out the new system. Users who choose not to verify their age will get to keep their account, servers, friends list, direct messages and voice chat, but will not be able to access age-restricted content or change certain default safety settings designed to protect teens, Vishnevskiy wrote. Discord promised users it will publish a detailed post explaining how its automatic age determination systems work and will document every verification vendor and their practices on its website. —Kaitlyn Huamani, AP technology writer View the full article

Gen Z still believes in true love, even if the pursuit looks a little different from their parents’ generation. That’s according to a new Tinder x Harris Poll white paper shared exclusively with Fast Company. The survey was conducted online in the U.S. on behalf of Match Group by the Harris Poll from September to October 2025, among a nationally representative sample of 2,500 single adults ages 18 to 79. Some 80% of Gen Z singles said they believe they’ll find true love, and 74% said they believe they’ll get married, compared to 57% and 43% of all singles, respectively. That might surprise some at a time when young people are reportedly having less sex, going out less, and facing more rejection—romantic or otherwise—than ever before. Rather than signaling a romance recession for Gen Z, these trends point to an inflection point in dating culture. Traditional relationship milestones are becoming outdated. Young adults are slowing down their pursuit of finding “the one,” owning a home, and having kids. For now, Gen Zers are prioritizing “micro-commitments” over milestones. “Previous generations often moved through commitment in a few headline steps: Define the relationship, meet the family, move in, get engaged,” Devyn Simone, Tinder’s resident relationship expert, tells Fast Company. “Gen Z still wants the ceremonies eventually, but they’re building ‘proof’ along the way through everyday behaviors, and a lot of those behaviors show up first online.” That might look like being added to Close Friends, sending voice notes, or being introduced to the group chat. The soft launch has become a modern relationship milestone. Of the single Gen Z respondents surveyed by Tinder, 46% who use social media said they soft launch their relationships, while 37% said they hard launch their relationships, compared with 12% and 10% of single social media users over the age of 45. The ultimate green flag For those who have hard launched a relationship on social media, 81% believe it’s an important sign of commitment. Location sharing is another modern way to hard launch a relationship in the internet age. “What’s important to understand is that these aren’t frivolous internet behaviors,” says Simone. “They’re Gen Z’s way of making connections tangible and visible while still pacing themselves.” Throughout different stages—from first date to marriage, and sometimes divorce—many share their relationships candidly online in much the same way they would with a trusted confidant: the good, the bad, and the ugly. Ick lists—of instant turnoffs that end romantic interest—are frequently crowdsourced online. Common offenses include being rude to service staff, or an inability to communicate or handle conflict, with 28% of Gen Z singles strongly agreeing that the ick is based on a lack of emotional competence or social skills, compared to just 17% of older singles. These social and emotional competencies have become more important for Gen Z than traditional compatibility markers like financial success or career achievement, according to Tinder. A boyfriend? In this economy? Gen Z expects romantic partners not only to have the skills to communicate but also the willingness to engage in those conversations. In a Tinder survey cited in the white paper, 56% said honest conversations matter, and those who don’t meet the bare minimum are no longer being excused. Cynicism about heterosexual relationships is more widespread than ever. Only 55% of Gen Zers feel ready for romantic relationships right now, and 75% are not in a hurry to find a partner. Context matters. “Gen Z is coming of age in a moment defined by economic uncertainty, shifting cultural norms around marriage and children, and a broader redefinition of what adulthood looks like,” says Simone. “Instead of making sweeping promises about forever, Gen Z tends to ask, ‘Are we aligned right now? Are we building something that feels healthy?’” Rather than diving headfirst into a rental agreement, marriage, or any other kind of legally binding commitment, small milestones help build trust incrementally, reducing risk for a generation that has watched the social contract disintegrate before their eyes. That doesn’t mean Gen Z is turning its back on connection. Quite the opposite: 33% of Gen Zers strongly agree that expanding their social network is important, compared to 20% of older singles. Maybe the real “milestones” were the friends we made along the way Instead of solely chasing romantic connections, Gen Z is also pursuing mentorship, community, and friendships that may or may not blossom into romance. “For many Gen Z daters, connection might begin in group settings, shared interest spaces, or friend-of-a-friend dynamics,” says Simone. “What they need are tools that reflect how relationships actually unfold today: gradually, socially, and often in community.” This has led Tinder and other dating apps to rethink how best to show up for Gen Z users, prioritizing micro-commitments over grand gestures. Tinder has recently introduced more casual modes for Gen Zers to meet each other, including its double-date feature and college mode, creating space for moments of connection without romantic pressure. “Sometimes it begins with a follow, a voice note, a shared night out with friends,” says Simone. “All these small signals that, over time, add up to something real.” Gen Zers aren’t giving up on romantic love. They’re just going steady. View the full article

Netflix's March slate kicks off with the live stream of the 32nd annual Actors Awards hosted by Kristen Bell—red carpet coverage begins at 7 pm ET on March 1 followed by the show at 9 pm. Netflix will also be hosting a live performance from BTS as part of their comeback tour (March 21 at 7 am ET) as well as the MLB Opening Night matchup between the Yankees and the Giants (March 25 at 7 pm ET). Cillian Murphy reprises his role as British gangster Tommy Shelby in a new feature-length film. Peaky Blinders: The Immortal Man (March 20) is set a few years after the series finale and sees Shelby return to Birmingham when his estranged son (played by Barry Keoghan) gets involved in a Nazi plot. Netflix will also get all four seasons of The Man in the High Castle (March 11), the dystopian drama series—originally created for Amazon Prime Video—set in a parallel universe in which the Axis powers won World War II. The Dinosaurs (March 6) is a new docu-series from the team behind Our Planet that explores the rise and fall of the dinosaurs over the span of 150 million years. The series is executive produced by Steven Spielberg and narrated by Morgan Freeman. Finally, Love Is Blind: The Reunion from season 10 will premiere on March 11 at 9 pm ET. Here's everything else coming to Netflix in March, and everything that's leaving. What's coming to Netflix in March 2026Available March 1The Actor Awards Presented by SAG-AFTRA—Netflix Live Event Casino Chef Deepwater Horizon Desperado Fifty Shades Darker Fifty Shades Freed Fifty Shades of Grey The Green Knight Goosebumps Jurassic World Jurassic World: Fallen Kingdom Legion The Lego Movie Matilda Misery Ray Sicario Stephen King's Sleepwalkers The Swan Princess Trolls Zombieland Available March 2Gabby's Dollhouse: Season 13—Netflix Family Hotel Mumbai Jurassic World: Dominion Available March 3The Bling Ring Bruce Bruce: I Ain’t Playin’—Netflix Comedy Special Available March 4Blue Therapy—Netflix Series Street Flow 3—Netflix Film Available March 5A Friend, a Murderer—Netflix Documentary Ginger & Rosa Vladimir—Netflix Series Available March 6A Man Called Ove Boyfriend on Demand—Netflix Series The Dinosaurs—Netflix Documentary Hello Bachchon—Netflix Series Still Shining—Netflix Series Strangers in the Park—Netflix Film The TikTok Killer—Netflix Documentary War Machine—Netflix Film Available March 7BEASTARS FINAL SEASON Part2—Netflix Series Downton Abbey: The Grand Finale Nuremberg Available March 9Clifford the Big Red Dog Sesame Street: Volume 2—Netflix Family Available March 10Derrick Stroup: Nostalgic—Netflix Comedy Special Jobs ONE PIECE: Season 2—Netflix Series Available March 11Age of Attraction—Netflix Series Louis Theroux: Inside the Manosphere—Netflix Documentary Love Is Blind: The Reunion—Netflix Series The Man in the High Castle: Seasons 1-4 Available March 12Love is Blind: Sweden: Season 3—Netflix Series Made in Korea—Netflix Film Virgin River: Season 7—Netflix Series Available March 13Fatal Seduction: Season 3—Netflix Series That Night—Netflix Series Available March 14Nobody 2 Available March 16The Plastic Detox—Netflix Documentary Available March 17Mark Normand: None Too Pleased—Netflix Comedy Special The Ricky Gervais Show: Seasons 1-3 Available March 18Eva Lasting: Season 4—Netflix Series Radioactive Emergency—Netflix Series Season 2: Furies: Resistance—Netflix Series Available March 19Jigsaw Saw Saw II Saw III Saw IV Saw V Saw VI Saw X Saw: The Final Chapter STEEL BALL RUN JoJo’s Bizarre Adventure—Netflix Series Tyler Perry's Beauty in Black Season 2 Part 2—Netflix Series Unicorn Academy: Secrets Revealed: Chapter 1—Netflix Family Available March 20Peaky Blinders: The Immortal Man—Netflix Film Pokémon Horizons: Season 3—Rising Hope Part 2—Netflix Family The Rise of the Red Hot Chili Peppers: Our Brother, Hillel—Netflix Documentary Available March 21The Bad Guys 2 BTS THE COMEBACK LIVE | ARIRANG—Netflix Live Event Available March 23Anatomy of a Fall Inside: Season 3—Netflix Series Minions: The Rise of Gru Available March 24Jeff Ross: Take a Banana for the Ride—Netflix Comedy Special Ready or Not: Texas—Netflix Series Available March 25Heartbreak High: Season 3—Netflix Series Homicide: New York: Season 2—Netflix Documentary MLB Opening Night: Yankees vs. Giants—Netflix Live Event Available March 26Caterpillar The Conners: Season 7 Jo Nesbø's Detective Hole—Netflix Series Mike & Molly: Seasons 1- 6 The Prosecutor—Netflix Documentary The Red Line—Netflix Film Something Very Bad Is Going to Happen—Netflix Series Available March 2753 Sundays—Netflix Film BTS: THE RETURN—Netflix Documentary The Parisian Agency: Exclusive Properties: Season 6—Netflix Series Available March 28Anemone Available March 31Aaron Chen: Funny Garden—Netflix Comedy Special Untold: The Death & Life of Lamar Odom—Netflix Documentary What's leaving Netflix in March 2026Leaving March 1A League of Their Own Ace Ventura: Pet Detective Ace Ventura: When Nature Calls The Amazing Spider-Man The Amazing Spider-Man 2 As Good as It Gets Bad Teacher Battlefield Earth Boyz n the Hood Bram Stoker's Dracula Braveheart Brightburn Dante's Peak Franklin & Bash: Seasons 1-4 Godzilla I Know What You Did Last Summer Little Women Pulp Fiction Stripes This Is 40 The Ugly Truth The Wedding Ringer The Wolf of Wall Street Leaving March 2The Hughleys: Seasons 1-4 Leaving March 5Forrest Gump Leaving March 6Power Rangers Leaving March 11Are You There God? It's Me, Margaret Leaving March 12House of Gucci The Hustle Leaving March 13The Talented Mr. Ripley Leaving March 14Miracle in Cell No. 7 Leaving March 16Titanic Leaving March 20Four Brothers Leaving March 25Wrath of Man Leaving March 31The Hurt Locker View the full article

PM pressed by Kemi Badenoch to cut interest rates charged to graduates but some Labour MPs want alternative planView the full article

Ten action steps to take NOW, not someday. By Jackie Meyer The Balanced Millionaire: Advisor Edition Go PRO for members-only access to more Jackie Meyer. View the full article

Ten action steps to take NOW, not someday. By Jackie Meyer The Balanced Millionaire: Advisor Edition Go PRO for members-only access to more Jackie Meyer. View the full article

Even after a servicing write-down, the GAAP net income of $164.4 million during the fourth quarter substantially topped comparative periods at UWM Holdings. View the full article

The years didn’t add up. By Ed Mendlowitz Call Me Before You Do Anything: The Art of Accounting Go PRO for members-only access to more Edward Mendlowitz. View the full article

The years didn’t add up. By Ed Mendlowitz Call Me Before You Do Anything: The Art of Accounting Go PRO for members-only access to more Edward Mendlowitz. View the full article

I’m an artist, so I can say this: Us artists, we can be super weird sometimes. And when we’re around gallerists, we get even weirder. When I was Fine Art Chairperson of ASMP NY, I produced our annual Portfolio Review. My job was to find gallery owners to volunteer their time reviewing photographers’ portfolios. One afternoon I was sitting at a downtown gallery, chatting with the owner for what could not have been more than twenty minutes. In that time, seven different artists barged in trying to show her their work—one even pulled a painting out from under his arm. She replied as kindly as possible: “Sir, this is a photography gallery.” His answer: “Okay, I’ll email you.” Her response: “No. Don’t email me. Please, just… thank you, have a nice day.” I asked her, “How often does this happen?” She sighed: “Every day, all day. Why do you think we hide in the back?” Is this really how we occur to galleries? Relentless, slightly desperate, and unaware of what they actually need. It got me thinking: how do we stop being that guy and become the artist a gallery actually wants to work with? Think Like a GalleristAs artists we obsess: Is my work good enough? Is this framed right? Will they like me? But when you talk to gallerists, you realize they’re obsessing about something else: money. Can you blame them? Imagine renting a storefront in Chelsea, hiring staff, paying utilities, advertising, painting, installing, and covering personal expenses. You’re staring down $20–30K a month in costs before a single piece of art sells. With a 50% commission model, a gallery has to move $40–60K of art every month just to survive. So when you ask, “Why is it so hard to get a solo show in New York?” The answer isn’t mysterious—it’s math. If you’re already selling $60K a month, you’re in. If not, you need to prove you can “move units”, and that means building an exhibition and sales history. Which leads us to… The Artist’s Catch-22Galleries want artists who are going to sell work. To prove that, you have to have an exhibition and sales history. But to get that you need a gallery. It’s a Catch-22, right? Well, not necessarily. Yes, it is a closed loop. And yes, it's not easy to break into it, but there is a way. And this is part of your job as an emerging artist. In addition to making great art, it's to build momentum and connections with the right people —people who want to champion you. And this is a long game. Let's talk about where to begin. Here’s where I detour into two silly but useful analogies. Relationships, Not One-Night StandsWorking with a gallery is like a marriage. You’re contractually bound, you see each other constantly, and ideally you grow together for years. So when you’re looking for a gallery, you’re not looking for a one-night stand. You’re looking for love. And like dating, finding a gallery can be awkward, emotional, and full of false starts. And if you don’t put yourself out there, you’ll never meet anyone. So how do you meet someone and fall in love? The Meet Cute A “Meet Cute” is that perfect, quirky first encounter between our two main characters that sets them off on their rom-com adventure. And yes, this does happen in real life. Don’t laugh! I pride myself on meeting both my wife, and my first gallery in two separate and unrelated meet cutes. You can’t engineer a meet cute, it would be weird and slightly unethical. But what you can do is make sure you are in the right place, at the right time, with the right people so that it can happen. Step 1: Identify Your Entry Point Start by organizing your understanding of the marketplace. It’s helpful to think of the art world having these four categories: Artist-run galleries: These are often cool, and great if you’re already part of the community. If you are not, don’t spend time trying to break in unless you genuinely want to connect with that specific group of artists, and be a part of their crew. Blue chip galleries: The big names (think Gagosian, Mary Boone) are not entry points for new artists. Don’t waste time here; when you’re ready, they’ll come to you.Low-to-mid tier galleries: Your best bet. Especially the scrappy, lower-end ones. Honorable Mention** Non Traditional Spaces: Also consider coffee shops, bookstores, salons, etc. These venues offer valuable exposure and a chance to build your exhibition history.—better your work be on a wall than under your bed.Step 2: Research and Organize Start with a list of gallery openings. This will give you specific events to target, and shows you active galleries that are actively showing work right now. Use resources like artcards.cc to find ALL of the weekly gallery openings in your city. Second: you need to narrow that list down to only the galleries that might want to see YOU. Only focus on identifying low to mid-tier galleries. Our instinct is often to try and “shoot for the stars and hit the moon,” however this does not apply when you are trying to infiltrate a closed loop system. The only way to do that is by targeting the “weak points” in that closed system. Which is not to say these galleries are “weak.” These galleries are an extraordinary opportunity for you to show and sell your work. And once you show and sell there, the larger operations can take notice. Look for: Recent year of establishment, younger owners, short exhibition history, or any other “questionable” aspects. Third: Find out where your work MIGHT fit in. Pull up your personal website and pull up a gallery's website on the same screen. Look at them and ask “Does my artwork look like it fits in with this artwork?Step 3: Go in Person You must go in person. Art (and love) happens in real life! Once you’ve identified promising galleries, attend their openings. This is crucial. This is the opportunity for you to: See the gallery, see the work, and see what kind of “vibe” the place has. Is it what you thought when you saw it online? Remember a gallery relationship is like a marriage, we spend a lot of time thinking about “will they like me?” But what if you don’t like them? You certainly don't want to get married! The best time to find out what a gallery and its community is like, is during their opening. TIP: Bring friends, make it a social event, maybe make it a date! Make it fun— this is your life, you are an artist, grab some artists friends and make a night out of it. Step 4: When You Find Your People When you walk into a gallery and you feel at home, you will know it immediately. Subscribe to their newsletter, attend all their events. Galleries are community hubs, and being present is the best way to become part of the inner circle. NOTE: all of the hard work is in qualifying the galleries. There are thousands of galleries, almost none of them are right for you. But when you do the work to qualify the galleries before you go based on the tier of gallery they are, and how the work looks, I promise you you will walk in and you will quickly find your people. Step 5: The Meet Cute Don’t force introductions or bring your portfolio to openings. Instead, be open, available, and authentic. If you are open and available, your “meet cute” will naturally happen. It might be with a gallery owner or curator, or even one of the artists represented by the gallery. If you stay open and available, good things will come your way. Turning Connections Into Long Term RelationshipsOnce you meet some folks, and you are invited into the gallery community, these are the next steps to find success. Step 6: Get Into Group Shows Once you’re part of a gallery’s community, you’ll hear about these and meet people and get opportunities to be a part of group shows. These are your auditions—your chance to show your work, demonstrate professionalism, and even sell your work. If you do well at a group show, the gallery will want to go further with you. Step 7: Sell Your Work Group shows are tests for both your art and your ability to engage an audience. Bring supportive friends, encourage sales, and make your work accessible. Selling work at a group show is the next major step toward a three-person show or solo exhibitions and deeper gallery relationships. Final ThoughtsAt the end of the day, breaking into the gallery world takes more than just producing great work. You’ve gotta be out in the world. It takes persistence, strategy, and a little magic. You can’t control when those magic moments will happen, but you can put yourself in the right place, at the right time, with the right people and when you do, just watch how much magic happens! View the full article

I’m an artist, so I can say this: Us artists, we can be super weird sometimes. And when we’re around gallerists, we get even weirder. When I was Fine Art Chairperson of ASMP NY, I produced our annual Portfolio Review. My job was to find gallery owners to volunteer their time reviewing photographers’ portfolios. One afternoon I was sitting at a downtown gallery, chatting with the owner for what could not have been more than twenty minutes. In that time, seven different artists barged in trying to show her their work—one even pulled a painting out from under his arm. She replied as kindly as possible: “Sir, this is a photography gallery.” His answer: “Okay, I’ll email you.” Her response: “No. Don’t email me. Please, just… thank you, have a nice day.” I asked her, “How often does this happen?” She sighed: “Every day, all day. Why do you think we hide in the back?” Is this really how we occur to galleries? Relentless, slightly desperate, and unaware of what they actually need. It got me thinking: how do we stop being that guy and become the artist a gallery actually wants to work with? Think Like a GalleristAs artists we obsess: Is my work good enough? Is this framed right? Will they like me? But when you talk to gallerists, you realize they’re obsessing about something else: money. Can you blame them? Imagine renting a storefront in Chelsea, hiring staff, paying utilities, advertising, painting, installing, and covering personal expenses. You’re staring down $20–30K a month in costs before a single piece of art sells. With a 50% commission model, a gallery has to move $40–60K of art every month just to survive. So when you ask, “Why is it so hard to get a solo show in New York?” The answer isn’t mysterious—it’s math. If you’re already selling $60K a month, you’re in. If not, you need to prove you can “move units”, and that means building an exhibition and sales history. Which leads us to… The Artist’s Catch-22Galleries want artists who are going to sell work. To prove that, you have to have an exhibition and sales history. But to get that you need a gallery. It’s a Catch-22, right? Well, not necessarily. Yes, it is a closed loop. And yes, it's not easy to break into it, but there is a way. And this is part of your job as an emerging artist. In addition to making great art, it's to build momentum and connections with the right people —people who want to champion you. And this is a long game. Let's talk about where to begin. Here’s where I detour into two silly but useful analogies. Relationships, Not One-Night StandsWorking with a gallery is like a marriage. You’re contractually bound, you see each other constantly, and ideally you grow together for years. So when you’re looking for a gallery, you’re not looking for a one-night stand. You’re looking for love. And like dating, finding a gallery can be awkward, emotional, and full of false starts. And if you don’t put yourself out there, you’ll never meet anyone. So how do you meet someone and fall in love? The Meet Cute A “Meet Cute” is that perfect, quirky first encounter between our two main characters that sets them off on their rom-com adventure. And yes, this does happen in real life. Don’t laugh! I pride myself on meeting both my wife, and my first gallery in two separate and unrelated meet cutes. You can’t engineer a meet cute, it would be weird and slightly unethical. But what you can do is make sure you are in the right place, at the right time, with the right people so that it can happen. Step 1: Identify Your Entry Point Start by organizing your understanding of the marketplace. It’s helpful to think of the art world having these four categories: Artist-run galleries: These are often cool, and great if you’re already part of the community. If you are not, don’t spend time trying to break in unless you genuinely want to connect with that specific group of artists, and be a part of their crew. Blue chip galleries: The big names (think Gagosian, Mary Boone) are not entry points for new artists. Don’t waste time here; when you’re ready, they’ll come to you.Low-to-mid tier galleries: Your best bet. Especially the scrappy, lower-end ones. Honorable Mention** Non Traditional Spaces: Also consider coffee shops, bookstores, salons, etc. These venues offer valuable exposure and a chance to build your exhibition history.—better your work be on a wall than under your bed.Step 2: Research and Organize Start with a list of gallery openings. This will give you specific events to target, and shows you active galleries that are actively showing work right now. Use resources like artcards.cc to find ALL of the weekly gallery openings in your city. Second: you need to narrow that list down to only the galleries that might want to see YOU. Only focus on identifying low to mid-tier galleries. Our instinct is often to try and “shoot for the stars and hit the moon,” however this does not apply when you are trying to infiltrate a closed loop system. The only way to do that is by targeting the “weak points” in that closed system. Which is not to say these galleries are “weak.” These galleries are an extraordinary opportunity for you to show and sell your work. And once you show and sell there, the larger operations can take notice. Look for: Recent year of establishment, younger owners, short exhibition history, or any other “questionable” aspects. Third: Find out where your work MIGHT fit in. Pull up your personal website and pull up a gallery's website on the same screen. Look at them and ask “Does my artwork look like it fits in with this artwork?Step 3: Go in Person You must go in person. Art (and love) happens in real life! Once you’ve identified promising galleries, attend their openings. This is crucial. This is the opportunity for you to: See the gallery, see the work, and see what kind of “vibe” the place has. Is it what you thought when you saw it online? Remember a gallery relationship is like a marriage, we spend a lot of time thinking about “will they like me?” But what if you don’t like them? You certainly don't want to get married! The best time to find out what a gallery and its community is like, is during their opening. TIP: Bring friends, make it a social event, maybe make it a date! Make it fun— this is your life, you are an artist, grab some artists friends and make a night out of it. Step 4: When You Find Your People When you walk into a gallery and you feel at home, you will know it immediately. Subscribe to their newsletter, attend all their events. Galleries are community hubs, and being present is the best way to become part of the inner circle. NOTE: all of the hard work is in qualifying the galleries. There are thousands of galleries, almost none of them are right for you. But when you do the work to qualify the galleries before you go based on the tier of gallery they are, and how the work looks, I promise you you will walk in and you will quickly find your people. Step 5: The Meet Cute Don’t force introductions or bring your portfolio to openings. Instead, be open, available, and authentic. If you are open and available, your “meet cute” will naturally happen. It might be with a gallery owner or curator, or even one of the artists represented by the gallery. If you stay open and available, good things will come your way. Turning Connections Into Long Term RelationshipsOnce you meet some folks, and you are invited into the gallery community, these are the next steps to find success. Step 6: Get Into Group Shows Once you’re part of a gallery’s community, you’ll hear about these and meet people and get opportunities to be a part of group shows. These are your auditions—your chance to show your work, demonstrate professionalism, and even sell your work. If you do well at a group show, the gallery will want to go further with you. Step 7: Sell Your Work Group shows are tests for both your art and your ability to engage an audience. Bring supportive friends, encourage sales, and make your work accessible. Selling work at a group show is the next major step toward a three-person show or solo exhibitions and deeper gallery relationships. Final ThoughtsAt the end of the day, breaking into the gallery world takes more than just producing great work. You’ve gotta be out in the world. It takes persistence, strategy, and a little magic. You can’t control when those magic moments will happen, but you can put yourself in the right place, at the right time, with the right people and when you do, just watch how much magic happens! View the full article

The home of the “Mona Lisa” is getting a new boss. Art historian Christophe Leribault, a veteran museum director, is taking over at the Louvre, shouldering the challenge of getting the world’s largest museum out of crisis after the brazen heist in October of the French crown jewels. French government spokeswoman Maud Bregeon announced Wednesday that Leribault is taking over from outgoing Louvre director Laurence des Cars, who resigned Tuesday. The difficulties he inherits are formidable. The daylight robbery — among the highest-profile museum thefts in living memory — exposed alarming security holes at the Paris landmark. The former royal palace has also suffered a broad array of other problems that have presented a picture of a treasured national institution spiraling out of control. They include a burst pipe near the “Mona Lisa,” water leaks that damaged priceless books, aging buildings, staff walkouts over overcrowding, understaffing and ticket price hikes for most non-European visitors. Pressure for new leadership deepened in recent weeks when authorities revealed a suspected decade-long ticket fraud operation linked to the museum that investigators say may have cost the Louvre 10 million euros ($11.8 million). Leribault brings a proven track record. He has been running another world-renowned French landmark and tourist attraction, the Versailles Palace, overseeing an annual budget of about 170 million euros ($200 million). The former palace for French royalty west of Paris was the venue for Olympic equestrian sports when Paris hosted the summer games in 2024. Leribault also is a previous head of Paris’ Orsay Museum. “He will be tasked with leading important projects that are crucial for the institution’s future,” Bregeon said as she announced Leribault’s appointment at the Louvre. They include security and modernization upgrades and the pursuit of a sweeping overhaul plan, branded “Louvre New Renaissance,” that President Emmanuel Macron is championing. Unveiled by Macron in January 2025, the renovation, which could take up to a decade, aims to modernize a museum widely seen as overstretched and physically worn down by mass tourism. The plan includes a new entrance near the Seine River to ease pressure on I.M. Pei’s pyramid, new underground spaces and a dedicated room for the “Mona Lisa” with timed access — all intended to improve crowd flow and reduce the daily crush of visitors that has become a symbol of the Louvre’s success and its dysfunction. The project is expected to cost about 1.15 billion euros ($1.35 billion) according to a recent report from France’s court of auditors. It will be partly funded by ticket revenue, state support, donations and income from the Louvre branch in Abu Dhabi. Bregeon described Leribault as “very solid, trusted” and said he’s expected to provide “vision” and “calm” to the museum. In a statement, the Culture Ministry highlighted “his extensive experience at the helm of major institutions” and said Leribault will prioritize strengthening the security and safety of the Louvre’s buildings, its collections and visitors and staff, and “restoring a climate of trust.” —Sylvie Corbet and John Leicester, Associated Press View the full article

If you’re looking to start your business, securing the right personal loan can make a significant difference. Various lenders like Prosper, Upstart, Rocket Loans, and LendingClub offer flexible options customized to different credit profiles. With loan amounts ranging from $1,000 to $75,000, these choices can meet your urgent financial needs effectively. Comprehending how each option works will help you make informed decisions, especially when considering the best fit for your venture’s requirements. Key Takeaways Personal loans offer amounts from $1,000 to $75,000, ideal for starting small businesses with flexible funding needs. Prosper and Upstart provide options for borrowers with varying credit scores, ensuring accessibility for new entrepreneurs. Rocket Loans and LendingClub offer quick funding, often within one business day, to meet urgent startup expenses. Pre-qualification allows comparison of rates without impacting credit scores, helping borrowers find the best loan options. Evaluate total borrowing costs and repayment terms to align with your business cash flow for sustainable growth. Prosper Personal Loans: Flexibility for All Credit Types In relation to securing financing for your business, Prosper Personal Loans stand out for their flexibility, catering to borrowers across the entire credit spectrum. Whether you have good credit or are looking for bad credit financing for a personal loan to start a business, Prosper makes it accessible. Their pre-qualification process won’t impact your credit score, allowing you to explore various loan options without risk. You can borrow between $2,000 and $40,000 with terms of 36 to 60 months, which suits different financial needs. Moreover, Prosper offers joint loan options, enabling multiple borrowers to apply together, which can improve your chances of approval and potentially better terms. If you need funding quickly, Prosper can provide it as soon as the next day, making it a strong choice among good loan companies for immediate financial support. Upstart Personal Loans: Quick Funding for Low Credit Scores Upstart Personal Loans provide a viable option for individuals seeking quick funding, especially those with low credit scores who might struggle to secure traditional financing. With loan amounts ranging from $1,000 to $75,000, these loans can cater to various business financing needs, making them particularly beneficial for startups. Upstart offers same- or next-day disbursement, so you can access the capital you need almost immediately. Importantly, Upstart accepts borrowers with low credit scores, which opens doors for those who mightn’t qualify elsewhere. Nevertheless, keep in mind that an origination fee, ranging from 0.00% to 12.00%, can affect the overall cost of the loan. Loan terms typically last from 36 to 60 months, allowing for manageable repayment. If you’re considering a mortgage in business, these loans could be a practical choice to help kickstart your entrepreneurial expedition. Rocket Loans: Fast Options for Good Credit Borrowers If you’re looking for a personal loan and have good to excellent credit, Rocket Loans might be a suitable option. They provide personal loans with APRs ranging from 8.01% to 29.99%. You can borrow anywhere from $2,000 to $45,000, making it flexible for various business needs. The repayment terms are typically between 36 to 60 months, which allows for manageable monthly payments. One of the advantages of Rocket Loans is their quick online application process, with funding often available as soon as the next business day. Nevertheless, keep in mind that an origination fee of up to 9.99% may apply, so factor that into your total loan cost. Loan Amount APR Range $2,000 – $10,000 8.01% – 29.99% $10,001 – $45,000 8.01% – 29.99% LendingClub Personal Loans: Tailored Solutions for Debt Consolidation If you’re looking to consolidate debt, LendingClub Personal Loans offer flexible payment options that can ease your financial burden. You can request direct payments to your creditors, simplifying the process of managing existing debts. With loan amounts ranging from $1,000 to $40,000, you can find a solution that fits your business needs. Flexible Payment Options When considering personal loans for business needs, flexible payment options can make a significant difference in managing your finances effectively. LendingClub Personal Loans provide you with the ability to choose payment dates that suit your schedule, which can ease cash flow pressures. You can borrow amounts ranging from $1,000 to $40,000, addressing diverse business needs. Quick access to funds is another advantage, with same- or next-day funding available after approval. Furthermore, if you have a business partner, you can opt for joint loans to improve your creditworthiness for better terms. Loan Feature Description Benefit Payment Flexibility Choose your payment dates Aligns with your financial needs Loan Amounts $1,000 to $40,000 Suitable for various business needs Quick Funding Same- or next-day funding Rapid access to capital Direct Creditor Payments LendingClub Personal Loans offer a practical solution for borrowers looking to consolidate their debts through direct creditor payments. This approach simplifies the process, allowing you to pay off multiple creditors at once, which can reduce stress and streamline your financial obligations. With same- or next-day funding, you can access funds quickly, providing immediate relief for your financial needs. Furthermore, LendingClub offers joint loan options, increasing your chances of approval and possibly leading to better terms. Nevertheless, keep in mind that an origination fee applies, which should be factored into the overall cost of the loan. The platform’s flexibility in payment dates likewise helps you manage your repayment schedule according to your financial situation, making it a customized solution for your needs. Comparing Personal Loan Rates: Finding the Best Fit Finding the best personal loan rates for your business requires careful comparison and contemplation of several key factors. Personal loans typically range from $1,000 to $75,000, depending on the lender and your creditworthiness. Interest rates can vary widely, with APRs from 5.99% to 35.99%. This variance emphasizes the importance of comprehending your credit profile. Many lenders offer pre-qualification, allowing you to compare rates and terms without impacting your credit score. Loan terms usually span 2 to 7 years, affecting your monthly payments and overall interest costs. It’s likewise crucial to take into account origination fees, which can range from 1% to 15%, as they greatly impact the total cost of borrowing. When to Consider a Personal Loan for Your Business If you’re starting a business and lack sufficient history to secure traditional loans, a personal loan might be your best option. These loans can quickly provide the cash you need, often within a week, for crucial expenses like equipment or marketing. Furthermore, personal loans are available in smaller amounts, making them a practical choice for immediate financial needs as you get your business off the ground. Limited Business History When starting a business with limited history, personal loans can be a practical financing solution to contemplate. These loans often have easier qualification criteria, primarily based on your personal credit score and income. Typically, you can borrow between $1,000 and $75,000, which is sufficient for covering startup costs or small expenses. The repayment terms usually range from 2 to 7 years, allowing for manageable payments as your business grows. Unlike traditional business loans, personal loans don’t require a detailed business plan or extensive operational history, making them accessible for new entrepreneurs like you. This means you can secure funding quickly, often within a week or even the next day, to help you launch your venture without delay. Quick Funding Needs Starting a business often comes with unexpected expenses, and having access to quick funding can make all the difference in your ability to seize opportunities. Personal loans are ideal for startups needing immediate financial support, often providing funds within a week or even the next day. You can borrow between $1,000 and $75,000, which is perfect for urgent needs like equipment purchases or marketing campaigns. The pre-qualification process allows you to compare options without affecting your credit score, helping you make informed decisions. With repayment terms ranging from 2 to 7 years, personal loans offer flexibility that aligns with your cash flow. Although they may lack tax-deductible interest benefits, their lower rates compared to credit cards make them a cost-effective choice for urgent financing. Small Loan Amounts Many entrepreneurs find that personal loans are a practical solution when they need small loan amounts for their business. These loans typically range from $1,000 to $50,000, making them accessible for those who mightn’t qualify for traditional business loans. If you face urgent operational needs or startup expenses, personal loans can provide fast funding, often within a week or even the next day. They’re also beneficial for borrowers with limited business history since approvals hinge on personal credit scores and income. Furthermore, these loans offer flexibility in fund usage, covering expenses like equipment, inventory, and marketing. Just remember to reflect on repayment terms, which usually span two to seven years, to guarantee they fit your financial strategy. Alternatives to Personal Loans for Startup Financing Exploring alternatives to personal loans for startup financing can greatly improve your chances of securing the necessary funds for your business. Small-business loans are ideal for established companies, offering larger amounts and better interest rates. If you need flexibility, consider business credit cards, which provide a revolving line of credit for short-term expenses, though they may require a personal guarantee. Equipment financing is another option, particularly for purchasing necessary equipment, often with less documentation and reduced lender risk because of collateral. Grants from government or private organizations can likewise be beneficial; these funds don’t require repayment but come with competition and strict requirements. Finally, a business line of credit allows you to access funds like a credit card, letting you draw on available credit as needed and only pay interest on the amount you utilize. Each alternative has unique benefits, so evaluate which suits your needs best. Frequently Asked Questions Can I Get a Personal Loan to Start My Business? Yes, you can get a personal loan to start your business. These loans typically range from $1,000 to $75,000, offering flexibility for initial expenses like inventory and marketing. The qualification often depends on your credit score and income, which may make it easier to obtain than a business loan. Nevertheless, be aware that missed repayments can impact your credit score and assets, so consider the risks before proceeding. Can I Borrow Money to Start a New Business? Yes, you can borrow money to start a new business through personal loans. These loans typically range from $1,000 to $75,000, depending on your creditworthiness and the lender’s criteria. The terms usually span 2 to 7 years, with fixed interest rates for predictable payments. Although personal loans offer quick funding, keep in mind that interest may not be tax-deductible like traditional business loans, so it’s essential to evaluate your options thoroughly before proceeding. https://www.youtube.com/watch?v=eGq_krxCTfE What Credit Score Does an LLC Start Out With? An LLC doesn’t start with a credit score; it must build one over time through financial activities. Initially, your personal credit score may impact the LLC’s financing options. To establish a business credit profile, you’ll need an Employer Identification Number (EIN) and a business bank account, separating personal from business finances. Focus on timely payments, keep credit utilization low, and manage obligations wisely to build a strong credit score for your LLC. Can an LLC Get a Loan With No Credit? Yes, an LLC can get a loan with no credit, but it’s often challenging. Lenders typically require personal guarantees from owners, which means your personal credit could still affect the loan. Some lenders offer loans customized for microloans. You might likewise explore secured loans that use collateral to reduce risk. Conclusion In summary, personal loans can be a valuable resource for starting your business, offering flexible options to suit various credit profiles. By exploring lenders like Prosper, Upstart, Rocket Loans, and LendingClub, you can find a loan that aligns with your financial needs. Remember to compare rates through pre-qualification, ensuring you make an informed choice. Moreover, consider alternatives if personal loans don’t meet your requirements. Evaluating all your options is vital for achieving financial success in your new venture. Image via Google Gemini and ArtSmart This article, "7 Best Personal Loans to Start Your Business Today" was first published on Small Business Trends View the full article

If you’re looking to start your business, securing the right personal loan can make a significant difference. Various lenders like Prosper, Upstart, Rocket Loans, and LendingClub offer flexible options customized to different credit profiles. With loan amounts ranging from $1,000 to $75,000, these choices can meet your urgent financial needs effectively. Comprehending how each option works will help you make informed decisions, especially when considering the best fit for your venture’s requirements. Key Takeaways Personal loans offer amounts from $1,000 to $75,000, ideal for starting small businesses with flexible funding needs. Prosper and Upstart provide options for borrowers with varying credit scores, ensuring accessibility for new entrepreneurs. Rocket Loans and LendingClub offer quick funding, often within one business day, to meet urgent startup expenses. Pre-qualification allows comparison of rates without impacting credit scores, helping borrowers find the best loan options. Evaluate total borrowing costs and repayment terms to align with your business cash flow for sustainable growth. Prosper Personal Loans: Flexibility for All Credit Types In relation to securing financing for your business, Prosper Personal Loans stand out for their flexibility, catering to borrowers across the entire credit spectrum. Whether you have good credit or are looking for bad credit financing for a personal loan to start a business, Prosper makes it accessible. Their pre-qualification process won’t impact your credit score, allowing you to explore various loan options without risk. You can borrow between $2,000 and $40,000 with terms of 36 to 60 months, which suits different financial needs. Moreover, Prosper offers joint loan options, enabling multiple borrowers to apply together, which can improve your chances of approval and potentially better terms. If you need funding quickly, Prosper can provide it as soon as the next day, making it a strong choice among good loan companies for immediate financial support. Upstart Personal Loans: Quick Funding for Low Credit Scores Upstart Personal Loans provide a viable option for individuals seeking quick funding, especially those with low credit scores who might struggle to secure traditional financing. With loan amounts ranging from $1,000 to $75,000, these loans can cater to various business financing needs, making them particularly beneficial for startups. Upstart offers same- or next-day disbursement, so you can access the capital you need almost immediately. Importantly, Upstart accepts borrowers with low credit scores, which opens doors for those who mightn’t qualify elsewhere. Nevertheless, keep in mind that an origination fee, ranging from 0.00% to 12.00%, can affect the overall cost of the loan. Loan terms typically last from 36 to 60 months, allowing for manageable repayment. If you’re considering a mortgage in business, these loans could be a practical choice to help kickstart your entrepreneurial expedition. Rocket Loans: Fast Options for Good Credit Borrowers If you’re looking for a personal loan and have good to excellent credit, Rocket Loans might be a suitable option. They provide personal loans with APRs ranging from 8.01% to 29.99%. You can borrow anywhere from $2,000 to $45,000, making it flexible for various business needs. The repayment terms are typically between 36 to 60 months, which allows for manageable monthly payments. One of the advantages of Rocket Loans is their quick online application process, with funding often available as soon as the next business day. Nevertheless, keep in mind that an origination fee of up to 9.99% may apply, so factor that into your total loan cost. Loan Amount APR Range $2,000 – $10,000 8.01% – 29.99% $10,001 – $45,000 8.01% – 29.99% LendingClub Personal Loans: Tailored Solutions for Debt Consolidation If you’re looking to consolidate debt, LendingClub Personal Loans offer flexible payment options that can ease your financial burden. You can request direct payments to your creditors, simplifying the process of managing existing debts. With loan amounts ranging from $1,000 to $40,000, you can find a solution that fits your business needs. Flexible Payment Options When considering personal loans for business needs, flexible payment options can make a significant difference in managing your finances effectively. LendingClub Personal Loans provide you with the ability to choose payment dates that suit your schedule, which can ease cash flow pressures. You can borrow amounts ranging from $1,000 to $40,000, addressing diverse business needs. Quick access to funds is another advantage, with same- or next-day funding available after approval. Furthermore, if you have a business partner, you can opt for joint loans to improve your creditworthiness for better terms. Loan Feature Description Benefit Payment Flexibility Choose your payment dates Aligns with your financial needs Loan Amounts $1,000 to $40,000 Suitable for various business needs Quick Funding Same- or next-day funding Rapid access to capital Direct Creditor Payments LendingClub Personal Loans offer a practical solution for borrowers looking to consolidate their debts through direct creditor payments. This approach simplifies the process, allowing you to pay off multiple creditors at once, which can reduce stress and streamline your financial obligations. With same- or next-day funding, you can access funds quickly, providing immediate relief for your financial needs. Furthermore, LendingClub offers joint loan options, increasing your chances of approval and possibly leading to better terms. Nevertheless, keep in mind that an origination fee applies, which should be factored into the overall cost of the loan. The platform’s flexibility in payment dates likewise helps you manage your repayment schedule according to your financial situation, making it a customized solution for your needs. Comparing Personal Loan Rates: Finding the Best Fit Finding the best personal loan rates for your business requires careful comparison and contemplation of several key factors. Personal loans typically range from $1,000 to $75,000, depending on the lender and your creditworthiness. Interest rates can vary widely, with APRs from 5.99% to 35.99%. This variance emphasizes the importance of comprehending your credit profile. Many lenders offer pre-qualification, allowing you to compare rates and terms without impacting your credit score. Loan terms usually span 2 to 7 years, affecting your monthly payments and overall interest costs. It’s likewise crucial to take into account origination fees, which can range from 1% to 15%, as they greatly impact the total cost of borrowing. When to Consider a Personal Loan for Your Business If you’re starting a business and lack sufficient history to secure traditional loans, a personal loan might be your best option. These loans can quickly provide the cash you need, often within a week, for crucial expenses like equipment or marketing. Furthermore, personal loans are available in smaller amounts, making them a practical choice for immediate financial needs as you get your business off the ground. Limited Business History When starting a business with limited history, personal loans can be a practical financing solution to contemplate. These loans often have easier qualification criteria, primarily based on your personal credit score and income. Typically, you can borrow between $1,000 and $75,000, which is sufficient for covering startup costs or small expenses. The repayment terms usually range from 2 to 7 years, allowing for manageable payments as your business grows. Unlike traditional business loans, personal loans don’t require a detailed business plan or extensive operational history, making them accessible for new entrepreneurs like you. This means you can secure funding quickly, often within a week or even the next day, to help you launch your venture without delay. Quick Funding Needs Starting a business often comes with unexpected expenses, and having access to quick funding can make all the difference in your ability to seize opportunities. Personal loans are ideal for startups needing immediate financial support, often providing funds within a week or even the next day. You can borrow between $1,000 and $75,000, which is perfect for urgent needs like equipment purchases or marketing campaigns. The pre-qualification process allows you to compare options without affecting your credit score, helping you make informed decisions. With repayment terms ranging from 2 to 7 years, personal loans offer flexibility that aligns with your cash flow. Although they may lack tax-deductible interest benefits, their lower rates compared to credit cards make them a cost-effective choice for urgent financing. Small Loan Amounts Many entrepreneurs find that personal loans are a practical solution when they need small loan amounts for their business. These loans typically range from $1,000 to $50,000, making them accessible for those who mightn’t qualify for traditional business loans. If you face urgent operational needs or startup expenses, personal loans can provide fast funding, often within a week or even the next day. They’re also beneficial for borrowers with limited business history since approvals hinge on personal credit scores and income. Furthermore, these loans offer flexibility in fund usage, covering expenses like equipment, inventory, and marketing. Just remember to reflect on repayment terms, which usually span two to seven years, to guarantee they fit your financial strategy. Alternatives to Personal Loans for Startup Financing Exploring alternatives to personal loans for startup financing can greatly improve your chances of securing the necessary funds for your business. Small-business loans are ideal for established companies, offering larger amounts and better interest rates. If you need flexibility, consider business credit cards, which provide a revolving line of credit for short-term expenses, though they may require a personal guarantee. Equipment financing is another option, particularly for purchasing necessary equipment, often with less documentation and reduced lender risk because of collateral. Grants from government or private organizations can likewise be beneficial; these funds don’t require repayment but come with competition and strict requirements. Finally, a business line of credit allows you to access funds like a credit card, letting you draw on available credit as needed and only pay interest on the amount you utilize. Each alternative has unique benefits, so evaluate which suits your needs best. Frequently Asked Questions Can I Get a Personal Loan to Start My Business? Yes, you can get a personal loan to start your business. These loans typically range from $1,000 to $75,000, offering flexibility for initial expenses like inventory and marketing. The qualification often depends on your credit score and income, which may make it easier to obtain than a business loan. Nevertheless, be aware that missed repayments can impact your credit score and assets, so consider the risks before proceeding. Can I Borrow Money to Start a New Business? Yes, you can borrow money to start a new business through personal loans. These loans typically range from $1,000 to $75,000, depending on your creditworthiness and the lender’s criteria. The terms usually span 2 to 7 years, with fixed interest rates for predictable payments. Although personal loans offer quick funding, keep in mind that interest may not be tax-deductible like traditional business loans, so it’s essential to evaluate your options thoroughly before proceeding. https://www.youtube.com/watch?v=eGq_krxCTfE What Credit Score Does an LLC Start Out With? An LLC doesn’t start with a credit score; it must build one over time through financial activities. Initially, your personal credit score may impact the LLC’s financing options. To establish a business credit profile, you’ll need an Employer Identification Number (EIN) and a business bank account, separating personal from business finances. Focus on timely payments, keep credit utilization low, and manage obligations wisely to build a strong credit score for your LLC. Can an LLC Get a Loan With No Credit? Yes, an LLC can get a loan with no credit, but it’s often challenging. Lenders typically require personal guarantees from owners, which means your personal credit could still affect the loan. Some lenders offer loans customized for microloans. You might likewise explore secured loans that use collateral to reduce risk. Conclusion In summary, personal loans can be a valuable resource for starting your business, offering flexible options to suit various credit profiles. By exploring lenders like Prosper, Upstart, Rocket Loans, and LendingClub, you can find a loan that aligns with your financial needs. Remember to compare rates through pre-qualification, ensuring you make an informed choice. Moreover, consider alternatives if personal loans don’t meet your requirements. Evaluating all your options is vital for achieving financial success in your new venture. Image via Google Gemini and ArtSmart This article, "7 Best Personal Loans to Start Your Business Today" was first published on Small Business Trends View the full article

In the fast-paced world of content creation, speed and efficiency are paramount for small business owners and independent creators. Adobe has stepped up to the plate with its newly enhanced AI video editing tool, Firefly, which promises to transform how creators bring their ideas to life. Brandon Baum, a popular YouTuber, shared his enthusiasm for Firefly, stating, “I use Adobe Firefly as a thought starter. I like to generate a few things, iterate on my ideas quickly, try, try, try, fail fast, and hopefully find the gold.” This sentiment resonates with many creators who often struggle with the daunting task of starting from scratch. Firefly serves as an all-in-one creative AI studio, integrating advanced AI models from leading tech companies like Adobe, Google, OpenAI, and Runway. This integration allows users to seamlessly transition from conception to final product without switching between different applications. The intuitive, multi-track video editor enables users to create a timeline swiftly, ensuring they can begin crafting their narratives without delay. For small business owners, the implications of Firefly are significant. The tool is designed for rapid iteration, allowing creators to fill their timelines quickly, refine their ideas, and produce high-quality content that resonates with their target audience. Sophia Kianni, a podcaster and entrepreneur, emphasized the tool’s versatility: “My podcast doesn’t just need audio; it needs thumbnails and b-roll. My nonprofit needs tons of images. My startup needs marketing assets. Firefly helps with all of it and more, supercharging my team to work faster and get even more creative.” A standout feature of the latest update is Quick Cut, which enables creators to upload their own footage or generate new content and instantly transform it into a structured first cut. This eliminates the frustration of staring at an empty timeline and instead promotes productivity. Quick Cut allows users to focus on storytelling and strategy, significantly reducing the time spent on the editing process. Small business owners can leverage Quick Cut in various ways: Product reviewers can streamline the editing of long unboxing videos. Reporters can quickly identify key moments within their interviews. Podcasters can efficiently sift through lengthy discussions to extract highlights. Marketers can organize event recaps into coherent narratives. This tool is particularly beneficial for those looking to enhance their content without a steep learning curve. Users simply upload their footage and describe the desired video type—be it an interview, product demo, or travel vlog—and Firefly assembles a narrative-first draft based on that input. Additional customization options, such as aspect ratio selection and pacing preferences, further enhance the user experience. While the advantages of Firefly are clear, small business owners should also consider potential challenges. The reliance on AI for content creation may raise concerns about maintaining authenticity and originality in their work. Additionally, creators must ensure that the AI-generated content aligns with their brand voice and message. As with any tool, there is a learning curve, and users will need to invest some time in mastering Firefly’s features to fully harness its potential. The current offer from Adobe includes unlimited image and video generations up to 2K resolution for users who sign up before March 16. This promotion applies to various subscription plans, making it an opportune time for small business owners to explore the benefits of Firefly without a hefty upfront investment. With tools like Firefly, small business owners can not only keep pace with the demands of content creation but also elevate their storytelling and marketing efforts. The freedom to experiment with infinite ideas and styles, combined with the practicality of Quick Cut, positions Firefly as a valuable asset in the toolkit of any modern creator. As the landscape of digital content continues to evolve, embracing such innovative solutions could be key to standing out in a crowded marketplace. This article, "Adobe Firefly Launches Quick Cut to Transform Video Editing Workflow" was first published on Small Business Trends View the full article

In the fast-paced world of content creation, speed and efficiency are paramount for small business owners and independent creators. Adobe has stepped up to the plate with its newly enhanced AI video editing tool, Firefly, which promises to transform how creators bring their ideas to life. Brandon Baum, a popular YouTuber, shared his enthusiasm for Firefly, stating, “I use Adobe Firefly as a thought starter. I like to generate a few things, iterate on my ideas quickly, try, try, try, fail fast, and hopefully find the gold.” This sentiment resonates with many creators who often struggle with the daunting task of starting from scratch. Firefly serves as an all-in-one creative AI studio, integrating advanced AI models from leading tech companies like Adobe, Google, OpenAI, and Runway. This integration allows users to seamlessly transition from conception to final product without switching between different applications. The intuitive, multi-track video editor enables users to create a timeline swiftly, ensuring they can begin crafting their narratives without delay. For small business owners, the implications of Firefly are significant. The tool is designed for rapid iteration, allowing creators to fill their timelines quickly, refine their ideas, and produce high-quality content that resonates with their target audience. Sophia Kianni, a podcaster and entrepreneur, emphasized the tool’s versatility: “My podcast doesn’t just need audio; it needs thumbnails and b-roll. My nonprofit needs tons of images. My startup needs marketing assets. Firefly helps with all of it and more, supercharging my team to work faster and get even more creative.” A standout feature of the latest update is Quick Cut, which enables creators to upload their own footage or generate new content and instantly transform it into a structured first cut. This eliminates the frustration of staring at an empty timeline and instead promotes productivity. Quick Cut allows users to focus on storytelling and strategy, significantly reducing the time spent on the editing process. Small business owners can leverage Quick Cut in various ways: Product reviewers can streamline the editing of long unboxing videos. Reporters can quickly identify key moments within their interviews. Podcasters can efficiently sift through lengthy discussions to extract highlights. Marketers can organize event recaps into coherent narratives. This tool is particularly beneficial for those looking to enhance their content without a steep learning curve. Users simply upload their footage and describe the desired video type—be it an interview, product demo, or travel vlog—and Firefly assembles a narrative-first draft based on that input. Additional customization options, such as aspect ratio selection and pacing preferences, further enhance the user experience. While the advantages of Firefly are clear, small business owners should also consider potential challenges. The reliance on AI for content creation may raise concerns about maintaining authenticity and originality in their work. Additionally, creators must ensure that the AI-generated content aligns with their brand voice and message. As with any tool, there is a learning curve, and users will need to invest some time in mastering Firefly’s features to fully harness its potential. The current offer from Adobe includes unlimited image and video generations up to 2K resolution for users who sign up before March 16. This promotion applies to various subscription plans, making it an opportune time for small business owners to explore the benefits of Firefly without a hefty upfront investment. With tools like Firefly, small business owners can not only keep pace with the demands of content creation but also elevate their storytelling and marketing efforts. The freedom to experiment with infinite ideas and styles, combined with the practicality of Quick Cut, positions Firefly as a valuable asset in the toolkit of any modern creator. As the landscape of digital content continues to evolve, embracing such innovative solutions could be key to standing out in a crowded marketplace. This article, "Adobe Firefly Launches Quick Cut to Transform Video Editing Workflow" was first published on Small Business Trends View the full article

The crypto market got some good news on Wednesday morning, as Circle reported better-than-expected earnings numbers, sending its stock soaring. Circle, a fintech company that issues and regulates stablecoins among other things, reported fourth-quarter and full fiscal year 2025 earnings early Wednesday, which showed that total revenue grew 77% to $770 million during the fourth quarter, and net income for the quarter increased by $129 million. Adjusted EBITDA also grew 412% during the quarter. For the full year, total revenue grew 64% to $2.7 billion. In response, Circle shares took off, skyrocketing more than 15% during pre-trading. By midday Wednesday, the stock was up over 25%. Notably, the stock is down roughly 14% over the past month, and down 51% over the past six months. So, the positive earnings news offered investors some relief. “The fourth quarter marked another step forward in Circle’s mission to build the infrastructure for an open, programmable internet financial system,” said Jeremy Allaire, Co-Founder, CEO and Chairman at Circle, in a statement included with the earnings release. “USDC adoption continued to expand globally as more enterprises, developers, and public institutions integrated digital dollars into real-world payments, treasury, and onchain financial workflows. We saw strong engagement across our platform, meaningful progress toward launching Arc mainnet, continued growth in CPN TPV, and growing momentum for EURC and USYC. With increasing collaboration across traditional finance, fintech, and the public sector, Circle is helping build the infrastructure for a more open and resilient global financial system.” The earnings report is also a good signal for the crypto market, which has taken a beating this year. The Nasdaq CME Crypto Index was up nearly 7% midday Wednesday, but remains down almost 30% since the beginning of the year. Another crypto index, the CoinDesk 20, was likewise up over 8%, but down 32% year-to-date. Overall, the crypto market has taken its licks in recent months for several reasons, including de-risking activity by investors, geopolitical concerns, and even changes in the SaaS market, all of which have crypto holders rethinking their positions. However, Circle’s numbers do indicate that the stablecoin business—which differs a bit from other crypto businesses in that stablecoins are backed by fiat—can be profitable. View the full article

The bank announced Tuesday its Blueprint for Housing Opportunity plan, a five-year commitment dedicated to increasing the supply of housing. View the full article

LLMs and their influence on traffic to a brand’s website are a major topic in our client conversations. Everyone wants to know what’s happening, how they can do better, and what the best practices are. My recommendation to brands right now is to start with the data and focus on what they can know for sure. To glean insights into how LLM traffic is influencing key metrics, we analyzed our dataset of LLM prompt referral traffic in Google Analytics across our customer base over the last 13 months (Jan. 1, 2025 to Feb. 7, 2026). We focused on traffic from various LLM models to brand sites and the conversion events closest to true business outcomes. In some cases, that’s a purchase. In others, it’s a generated lead. When we look at this dataset, four major findings rise to the surface: LLM referral traffic is still small. LLM traffic is growing fast. The sources referenced in responses are shifting. LLMs convert at a very high rate compared to other channels LLM referral traffic is still small LLM referral traffic accounts for less than 2% of total referral traffic on average, according to our dataset. In other words, fewer than 2 out of 100 visitors to a site come from an LLM referring source. The range is 0.15%-1.5% of referral traffic coming from various LLMs, including ChatGPT, Perplexity, Gemini, and Claude. So while this is a major topic of conversation, it isn’t the highest priority for near-term bottom-line impact for many businesses. Your customers search everywhere. Make sure your brand shows up. The SEO toolkit you know, plus the AI visibility data you need. Start Free Trial Get started with LLM traffic is growing fast LLMs, as a referral source, are growing quickly, according to our data. Comparing the first half of 2025 with the second half, we saw an average growth rate of 80% in LLM referral traffic. There was a wide range across the dataset. Some companies saw just 10% growth, while others experienced 300% increases. Below is the aggregate referral traffic by month in 2025. It shows a steady month-by-month increase, building to 3x referral traffic growth from January to December. That means it’s not enough to understand your volume of LLM traffic. You also need to monitor the velocity of that growth. LLMs are expanding as consumer adoption grows, and prompt algorithms keep changing. Between those two variables, you can see dramatic swings that you need to monitor. Dig deeper: LLM optimization in 2026: Tracking, visibility, and what’s next for AI discovery Sources referenced in responses are shifting The sources cited in LLM responses are changing quickly. Here’s a look at our dataset since September of last year. The data comes from monitoring more than 5,000 prompts and their responses across various LLM APIs, including Gemini, ChatGPT, and Perplexity. YouTube links and citations have increased over the last 30 days. Reddit saw similar growth, though that traffic recently leveled off. These shifts in citations and links will affect the traffic that eventually reaches your site, and they may also influence your ad and content strategies. If you don’t monitor this data, you won’t see these changes. LLMs don’t provide this information directly — you can only access it through a third-party tool. LLMs convert at a very high rate compared to other channels This is likely the most interesting and important finding. When you compare conversion rates alongside the total percentage of traffic, the contrast becomes clear. LLM referrals are the highest-converting traffic source across our customer base, with an approximate 18% conversion rate. That’s higher than any other tactic, including paid shopping, SEO, and PPC. However, they account for the lowest percentage of total traffic to a brand’s website, about 25 times less than SEO or direct. Dig deeper: How to better measure LLM visibility and its impact Get the newsletter search marketers rely on. See terms. What brands should do next Based on these findings, you should take the following actions to prepare for the evolving LLM landscape. 1. Establish dedicated monitoring While LLM traffic volume is still low, its growth rate and volatility, including shifts between sources like YouTube and Reddit, make monitoring essential. Track velocity: Don’t just look at volume. Monitor the rate of growth in LLM referrals to understand when this channel crosses a meaningful threshold for your business. Monitor citation sources: Use available third-party tools to understand which LLMs and which types of platforms, including forums, videos, and news, are driving the most citations and subsequent traffic. 2. Capitalize on high-value traffic An 18% conversion rate suggests LLM-referred users are highly qualified. They often arrive with clear intent or after their query has already been answered or validated by the LLM. Analyze high-converting journeys: Review the user journey for LLM referrals. What content are they landing on? What queries are being answered that lead to conversion? Optimize for intent: Focus content and landing page optimization on the high-intent needs reflected in the LLM’s citation context. Treat this traffic as a premium audience. 3. Plan for future growth Given rapid LLM adoption, today’s low traffic volume won’t last. Develop a content strategy for AI: Build a strategy that anticipates how LLMs summarize, cite, and reference your material. This isn’t traditional SEO. It’s about being the authoritative source LLMs choose to link to. Allocate budget: While this may not drive immediate bottom-line impact, dedicate a small budget to tools and resources focused on understanding and optimizing the LLM referral channel. This space is evolving fast. Hopefully, this dataset shows how things are progressing and motivates action within your organization. This is a time of change. If you innovate, stay focused, and use data, you have a clear opportunity to outperform your competition. Dig deeper: LLM consistency and recommendation share: The new SEO KPI See the complete picture of your search visibility. Track, optimize, and win in Google and AI search from one platform. Start Free Trial Get started with From emerging channel to strategic signal LLM referral traffic is still a small share of overall volume, but it’s growing fast, shifting where it cites, and driving strong conversions. Don’t overreact. Monitor the trend lines, understand where citations come from, and watch how this audience behaves once it lands. This space is moving fast, and if you stay close to the data, you’ll be better positioned as it evolves. View the full article

Officials indicate they are reconsidering doctrine of seeking to contain confrontations with WashingtonView the full article

A reader writes: A new grad (“Eva”) joined our team about six months ago. She had previously interned with us and had really impressed us with her knowledge, efficiency, and proactive approach. As a seasoned member of the team, I went out of my way to be kind, helpful, and patient with Eva as she learned the ropes. She had tons of questions, which is to be expected at first. However, things started to sour when she began messaging me non-stop about things unrelated to work and excessively badmouthing another coworker, even calling him vulgar names (on the company’s internal messaging platform!). I began to feel that Eva’s messages were crossing a major line and asked her to stop with the name-calling, but she didn’t. Even after several months on the job, she was still calling me three to four times per hour with questions which she could easily look up with company-wide resources. I started lying and saying I was busy on another line, which I hoped would nudge her towards more independent problem-solving, but to no avail. I also asked my other coworkers if they were having similar experiences with Eva, but they all said she barely interacted with them except when absolutely necessary. At this point, I intentionally started to make myself less available. I would ignore most messages Eva sent me at work, as well as her frequent attempts to contact me outside of work via text. She didn’t get the hint and started trying to get my attention by telling me random work-related anecdotes that were outrageously false and completely unrelated to anything we were working on at the time. It was really confusing and just … odd. Recently we were assigned a week-long project, which required us to work in the same room with a few other coworkers instead of in our separate offices. I noticed on the first day that she kept walking behind me to look at my computer screen and read my messages. They were strictly work-related so I had nothing to hide, but it made me uncomfortable. About halfway through the week, she once again tried to strike up a conversation by making a wildly untrue assertion about our workplace closing on certain days (we’re open 24/7). I couldn’t contain my bewilderment at this point, and messaged another coworker across the room, “Why is she telling me about this?” Unbeknownst to me, Eva unfortunately saw that message. Over the next few days, she started having seemingly unprovoked violent outbursts, slamming things on her desk and yelling profanities at other coworkers and even some of our vendors. One coworker was so concerned about this work environment that he brought it to our manager’s attention. Finally, the coworker who I had messaged about Eva’s random anecdote (who I’ve been close with for many years and who had shared his own frustrations about Eva with me before) told me that Eva was telling everyone she saw the message and was calling me “two-faced.” Now she’s requesting a formal face-to-face meeting with me, moderated by our manager, to address it. What is the best way to approach this meeting with a coworker who seems to be showing obsessive tendencies towards me? Won’t it just reinforce her belief that she’s entitled to my time and attention? Given the nature of her outbursts, would it be unreasonable to tell my manager I’m concerned for my own well-being at this point? It would not be unreasonable to tell your manager that you’re concerned for your safety. Eva is displaying what sounds like obsessive behavior toward you, and it’s turning aggressively hostile now that she feels you don’t like her. Talk to your manager privately, before this meeting with Eva happens. Tell her that Eva has been calling you three to four times per hour, texting you outside of work with obviously false anecdotes, and generally paying you an uncomfortable and unwelcome amount of attention, and in the last week it’s transitioned to violence outbursts and yelling profanity. Let her know other coworkers and even your vendors have witnessed this. Tell her you don’t feel safe around Eva, definitely aren’t comfortable participating in a formal meeting with Eva to address her feelings and worry it will exacerbate things further, and in fact are asking your manager to intervene because this has gone beyond anything you can field on your own, and Eva is making everyone’s work environment feel volatile and unsafe. The post my obsessive, volatile coworker is demanding mediation with me appeared first on Ask a Manager. View the full article