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ChatGPT heavily favors the top of content when selecting citations, according to an analysis of 1.2 million AI answers and 18,012 verified citations by Kevin Indig, Growth Advisor. Why we care. Traditional search rewarded depth and delayed payoff. AI favors immediate classification — clear entities and direct answers up front. If your substance isn’t surfaced early, it’s less likely to appear in AI answers. By the numbers. Indig’s team found a consistent “ski ramp” citation pattern that held across randomized validation batches. He called the results statistically indisputable: 44.2% of citations come from the first 30% of content. 31.1% come from the middle (30–70%). 24.7% come from the final third, with a sharp drop near the footer. At the paragraph level, AI reads more deeply: 53% of citations come from the middle of paragraphs. 24.5% come from first sentences. 22.5% come from last sentences. The big takeaway. Front-load key insights at the article level. Within paragraphs, prioritize clarity and information density over forced first sentences. Why this happens. Large language models are trained on journalism and academic writing that follow a “bottom line up front” structure. The model appears to weight early framing more heavily, then interpret the rest through that lens. Modern models can process massive token windows, but they prioritize efficiency and establish context quickly. What gets cited. Indig identified five traits of highly cited content: Definitive language: Cited passages were nearly twice as likely to use clear definitions (“X is,” “X refers to”). Direct subject-verb-object statements outperform vague framing. Conversational Q&A structure: Cited content was 2x more likely to include a question mark. 78.4% of citations tied to questions came from headings. AI often treats H2s as prompts and the following paragraph as the answer. Entity richness: Typical English text contains 5% to 8% proper nouns. Heavily cited text averaged 20.6%. Specific brands, tools, and people anchor answers and reduce ambiguity. Balanced sentiment: Cited text clustered around a subjectivity score of 0.47 — neither dry fact nor emotional opinion. The preferred tone resembles analyst commentary: fact plus interpretation. Business-grade clarity: Winning content averaged a Flesch-Kincaid grade level of 16 versus 19.1 for lower-performing content. Shorter sentences and plain structure beat dense academic prose. About the data. Indig analyzed 3 million ChatGPT responses and 30 million citations, isolating 18,012 verified citations to examine where and why AI pulls content. His team used sentence-transformer embeddings to match responses to specific source sentences, then measured their page position and linguistic traits such as definitions, entity density, and sentiment. Bottom line. Narrative “ultimate guide” writing may underperform in AI retrieval. Structured, briefing-style content performs better. Indig argues this creates a “clarity tax.” Writers must surface definitions, entities, and conclusions early—not save them for the end. The report. The science of how AI pays attention View the full article

Falling rates spurred a refi surge that pushed defect rates to 1.79% in Q3, driven by income and compliance documentation gaps as lenders ran lean, per Aces Quality Management. View the full article

A reader writes: Earlier this year, an employee of mine suddenly and unexpectedly passed away. He was excellent at his job and extremely well-liked by the rest of our department. His partner also works here. We are currently interviewing for someone to fill the now-empty role. At what point (if ever) is it appropriate to relay any of this to the candidates? So far, no one has asked why the job is open. While folks in the department are wonderful people, I have no idea whether any leftover resentment, awkwardness, or other weirdness may happen when our new person starts their job. There is some interaction between this position and the partner’s position, so I’d like to give the new person a heads-up on that level, at some point. I don’t want to make things weird, but want to give the future/new employee an appropriate level of information so they can integrate well into the department. 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: I need to stop trying to solve problems that aren’t mine Allergies on video calls The post how to replace a beloved employee who died appeared first on Ask a Manager. View the full article

Google Ads has launched a new Results tab inside its Recommendations section that shows advertisers the measured performance impact after they apply bid and budget suggestions. How it works. After an advertiser applies a bid or budget recommendation, Google analyzes campaign performance one week later and compares it to an estimated baseline of what would have happened without the change. The system then highlights the incremental lift, such as additional conversions generated by raising a budget or adjusting targets. Where to find it. Impact reporting appears in the Recommendations area of an account. A summary callout shows recent results on the main page, while a dedicated Results tab provides a deeper breakdown grouped by Budget and Target recommendations, with filtering options for each. Why we care. Advertisers can now see whether Google’s automated recommendations actually drive incremental results — not just projected gains — helping teams evaluate the business value of platform guidance. What to expect. Results are reported as a seven-day rolling average measured across a 28-day window after a recommendation is applied. Metrics focus on the campaign’s primary bidding objective — such as conversions, conversion value, or clicks. Between the lines. The feature adds a layer of accountability to automated recommendations at a time when advertisers are relying more heavily on platform-driven optimization. Spotted by. Hana Kobzová founder of PPCNewsFeed who shared a screenshot of the help doc on LinkedIn. Help doc. Even though there isn’t a live Google help doc, a Google spokesperson has confirmed that there’s an early pilot running. View the full article

The Nancy Guthrie investigation is now in its third week, which means it was only a matter of time before the case piqued the interest of online armchair detectives. Nancy Guthrie, the mother of Today Show anchor Savannah Guthrie, was reported missing on Feb. 1. In the weeks since, the street outside her home in Tucson, Arizona, has become a destination for true-crime livestreamers. Online sleuths have dissected the publicly available details of the ongoing case while spreading far-fetched conspiracy theories. Some have filmed themselves driving through Guthrie’s neighborhood. The hashtag #nancyguthrie currently has more than 16,000 posts on TikTok, where users analyze Ring doorbell footage and excerpts from Savannah Guthrie’s 2024 memoir, capitalizing on public interest in the case and often drawing hundreds of thousands of views. These posts across social media platforms have forced law enforcement to repeatedly set the record straight and dispel rampant rumors and misinformation, particularly as it pertains to Guthrie’s family members. Pima County Sheriff Chris Nanos announced Monday that Guthrie’s children and their spouses had been fully cleared from the investigation. “The family has been nothing but cooperative and gracious and are victims in this case,” Sheriff Chris Nanos said in a statement posted on X. A statement from Sheriff Chris Nanos on the Nancy Guthrie Investigation: pic.twitter.com/YfhQSPkrFJ — Pima County Sheriff's Department (@PimaSheriff) February 16, 2026 His statement appeared to indirectly address those speculating online and reporting irresponsibly about the case. Influencer content is, by nature, unwieldy, reactionary, and unbeholden to the same standards as traditional news outlets covering ongoing investigations. Former Los Angeles Sheriff’s Department Lt. Gil Carrillo told 13 News that online speculation has the potential to inadvertently hinder investigations. “With all of these people that are getting on social media rendering their opinions and their thoughts, investigators have to take time from their investigation and assign people to follow those leads up because they all have to be followed,” Carrillo said. “Every one of them has to be vetted out.” Members of the true-crime community counter that more eyes on an active case can help, something authorities themselves have acknowledged. As a person involved in the Guthrie investigation told CNN last week: “The breakthrough tip could come from anyone, from anywhere.” In 2021, online sleuths credited themselves with helping locate the remains of Gabby Petito, the 22-year-old who went missing during a road trip with her boyfriend. As the internet became consumed with the case, sharing images, analyzing Petito’s YouTube uploads, and speculating about timelines, YouTubers Jenn and Kyle Bethune spotted Petito’s van in their own travel footage. This helped point authorities to the area where Petito’s body was ultimately found. Since then, similar episodes have played out across the hugely popular true-crime corner of the internet. Inspired by those successes, influencers and amateur sleuths are increasingly inserting themselves into both active and cold cases. But even well-meaning intervention can risk doing more harm than good. View the full article

It’s never too early to consider your legacy. By Jackie Meyer Go PRO for members-only access to more Jackie Meyer. View the full article

It’s never too early to consider your legacy. By Jackie Meyer Go PRO for members-only access to more Jackie Meyer. View the full article

The deadline to claim the early-bird rate for Fast Company’s Best Workplaces for Innovators is quickly approaching—Friday, February 20, at 11:59 p.m. Pacific time. This marks the eighth year Fast Company will be recognizing companies and organizations from around the world that most effectively empower employees at all levels to improve processes, create new products, or invent whole new ways of doing business. In addition to ranking the world’s Best Workplaces for Innovators, we will also recognize companies in 19 categories, including a brand new category that focuses on “skilled labor”—companies that depend heavily on talented employees with the kinds of increasingly coveted technical expertise acquired through vo-tech training and trade schools. Other new categories this year include: Cybersecurity and enterprise software Industrial and manufacturing Technology and science Advertising, marketing, and PR Biotech, healthcare, and life sciences Financial services and fintech What differentiates Best Workplaces for Innovators from existing best-places-to-work lists is that it goes beyond benefits, competitive compensation, and collegiality (mere table stakes in today’s competition for talent) to identify which companies are actively creating and sustaining the kinds of innovative cultures that many top employees value as much as or even more than money. Places where they can do the best work of their careers and improve the lives of hundreds, thousands, or even millions of people around the world. Every application receives careful review by Fast Company editors. Start your Best Workplaces for Innovators application here. For more information on applying, see the FAQs. The final deadline to apply isn’t until March 27, but all applications submitted by Friday, February 20, at 11:59 pm Pacific time receive the preferred rate. To sign up for Best Workplaces for Innovators notifications, register here View the full article

There are three types. Where have your efforts been? 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

There are three types. Where have your efforts been? 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

Good things can happen in surprising ways. 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

Good things can happen in surprising ways. 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

When considering financing options for your business, comprehension of the differences between the SBA 504 and 7(a) loans is essential. Each loan serves a unique purpose; for instance, the 504 loan is ideal for acquiring fixed assets, whereas the 7(a) loan offers flexibility for various business needs. Their structures, amounts, interest rates, and eligibility criteria likewise differ markedly. Knowing these distinctions can help you make an informed decision about which loan aligns best with your financial goals. Key Takeaways Purpose: SBA 504 loans are for long-term fixed asset acquisition, while SBA 7(a) loans cater to immediate working capital and various business needs. Structure: SBA 504 loans involve multiple parties (lender, CDC, borrower), whereas SBA 7(a) loans are processed as a single loan from an approved lender. Loan Amounts: SBA 504 loans range from $250,000 to $30 million, while SBA 7(a) loans have a maximum limit of $5 million. Interest Rates: SBA 504 loans feature fixed rates tied to U.S. Treasury bonds, while SBA 7(a) loans can have variable rates based on prime interest. Eligibility: SBA 504 loans require specific net worth and income criteria, whereas SBA 7(a) loans focus on operating for profit and meeting SBA size standards. Purpose of the Loans When you’re considering financing options for your business, grasping the purpose of different loans can greatly influence your decision-making. The SBA 504 loan is customized for acquiring or improving long-term fixed assets like commercial real estate and heavy equipment, promoting business growth and job creation. Conversely, the SBA 7(a) loan offers greater versatility, allowing you to use funds for various purposes, such as working capital, debt refinancing, or purchasing inventory. While the SBA 504 loan encourages infrastructure investment and requires you to meet job creation goals, the SBA 7(a) loan has no such requirements. Comprehending the distinct purposes of the SBA 504 vs SBA 7a loans can help you choose the right financing option for your business needs. Loan Structure Comprehending the loan structure is crucial when deciding between an SBA 504 and a 7(a) loan. The SBA 504 loan involves three parties: a conventional lender covering 50% of financing, a Certified Development Company (CDC) providing 40%, and you, the borrower, contributing a 10% down payment. This multi-part structure helps minimize lender risk and offers longer repayment terms. Conversely, the SBA 7(a) loan is a single loan from an SBA-approved lender, streamlining the application process without a CDC. Whereas the 504 loan may take 60 to 90 days to process as a result of its complexity, the 7(a) loan typically gets processed faster, usually within 30 to 60 days, making it more convenient for immediate funding needs. Loan Amounts When considering loan amounts, it’s important to note the differences between the SBA 504 and 7(a) loans. The 504 loan typically ranges from $250,000 to $30 million, accommodating larger projects, whereas the 7(a) loan caps at $5 million, which can limit your financing options. Furthermore, the 504 loan allows for total project costs exceeding $20 million with private financing, offering more flexibility compared to the more restrictive structure of the 7(a) loan. Maximum Loan Limits Grasping the maximum loan limits is crucial when considering financing options through the SBA. The SBA 504 loan allows for significant funding, with maximum amounts ranging from $250,000 to $30 million, depending on your project’s type and financing needs. For energy-efficient projects or particular manufacturing purposes, this limit can increase to $5.5 million. Conversely, the SBA 7(a) loan has a maximum cap of $5 million, making it better suited for smaller financing needs. Although both loans can support substantial business investments, the SBA 504 is designed for larger fixed asset acquisitions. Furthermore, the total project cost for SBA 504 loans can exceed $20 million when combining funds from multiple sources, unlike the more rigid framework of SBA 7(a) loans. Typical Loan Ranges Comprehending typical loan ranges is essential for businesses evaluating SBA financing options. The SBA 504 loan offers amounts between $250,000 and $30 million, primarily aimed at purchasing fixed assets like commercial real estate or heavy machinery. Significantly, when combined with other financing sources, projects can exceed $20 million, enabling larger investments. Conversely, the SBA 7(a) loan has a maximum limit of $5 million, catering to various business needs, such as working capital and business acquisitions. Although the 7(a) loan doesn’t specify a minimum amount, providing flexibility for small businesses, the 504 loan usually requires a minimum down payment of 10%, compared to the 7(a) loan’s typical requirement of 15% or more, depending on how funds are used. Funding Flexibility Differences Comprehending the differences in funding flexibility between the SBA 504 and 7(a) loans can greatly impact your business decisions. The SBA 504 loans range from $250,000 to $30 million, making them ideal for large projects like commercial real estate. In comparison, the SBA 7(a) loans have a maximum limit of $5 million, catering to working capital and smaller needs. Furthermore, the down payment for 504 loans is typically 10%, whereas 7(a) loans require at least 15%. For projects over $5 million, you can combine SBA 504 loans with other financing, but the 7(a) remains capped. Loan Type Maximum Amount SBA 504 $30 million SBA 7(a) $5 million Down Payment 10% (504) Down Payment 15%+ (7(a)) Combine Yes (504) Interest Rates When considering financing options for your business, comprehension of the interest rates associated with SBA 504 and 7(a) loans is crucial. SBA 504 loans typically have fixed interest rates linked to U.S. Treasury bond rates, offering stability throughout the loan term. Conversely, SBA 7(a) loans can feature either fixed or variable rates, often based on the prime interest rate plus a markup, which may increase your overall costs. Usually, SBA 504 loans provide lower interest rates, making them more attractive for long-term financing of fixed assets. Though the private lender portion of an SBA 504 loan might’ve variable or fixed rates, the CDC portion usually maintains a fixed rate, ensuring predictability in your financial planning. Loan Terms When considering loan terms, it’s crucial to understand the differences between SBA 504 and SBA 7(a) loans. SBA 504 loans typically offer longer repayment periods of 10, 20, or even 25 years, whereas SBA 7(a) loans usually max out at 10 years for working capital and 25 years for real estate. Furthermore, down payment requirements vary, with SBA 504 loans needing about 10% and SBA 7(a) loans often requiring 15% or more, depending on the loan’s purpose. Interest Rate Structures Grasping the interest rate structures of SBA loans is crucial for making informed financing decisions. The differences between SBA 504 and 7(a) loans can greatly impact your financial strategy. Here are three key points to reflect upon: 1. Interest Types: SBA 504 loans typically offer fixed interest rates, ensuring predictable payments tied to U.S. Treasury bond rates. Conversely, SBA 7(a) loans provide flexibility with either fixed or variable rates, often linked to the prime rate. 2. Cost-Effectiveness: SBA 504 loans usually have lower interest rates, making them more economical for long-term financing needs. 3. Payment Variability: The fluctuating rates of 7(a) loans may lead to higher overall borrowing costs because of potential variations in payments and additional fees. Repayment Periods Comprehending the repayment periods for SBA loans is essential for aligning your financing needs with your business goals. SBA 504 loans offer repayment terms of 10, 20, or 25 years, making them suitable for long-term fixed asset financing. Conversely, SBA 7(a) loans provide a maximum repayment term of 10 years for working capital, whereas real estate purchases can extend up to 25 years. The structured repayment of SBA 504 loans guarantees predictable payments with fixed interest rates, whereas SBA 7(a) loans might feature variable rates, potentially affecting total costs. Both loan types allow for amortization over their respective terms, assisting in manageable debt repayment. Loan Type Maximum Term for Working Capital Maximum Term for Real Estate SBA 504 10 years 20 or 25 years SBA 7(a) 10 years Up to 25 years Down Payment Requirements Comprehending down payment requirements is fundamental for securing financing through SBA loans, as these requirements can considerably affect your initial cash outlay. Here’s a comparison of the down payment obligations for both loan types: 1. SBA 504 Loan: Typically, you’ll need a down payment of around 10% for most projects, which is lower than its counterpart. Nevertheless, it can rise to 15-20% for special-use properties. 2. SBA 7(a) Loan: Usually starts at 15% for loans exceeding $350,000, depending on the loan’s purpose and your creditworthiness. 3. Variability: The exact down payment can vary greatly based on business type and borrower factors, making it imperative to assess these before applying. Understanding these differences is crucial for effective financial planning. Down Payment Requirements When considering financing options, the down payment requirements for SBA loans are a significant factor to evaluate. The SBA 504 loan typically requires a down payment of around 10% of the total project cost, which can increase to 15-20% for special-use properties. Conversely, the SBA 7(a) loan typically necessitates a down payment of at least 15%, depending on the specific use of the funds and the lender’s criteria. It’s essential to recognize that these down payment amounts can vary based on your qualifications and the type of property you’re financing. Comprehending these differences can be vital for your business’s financing strategy and cash flow management, especially when planning significant fixed asset investments. Eligibility & Qualifications Comprehending the eligibility and qualifications for SBA loans is vital for businesses seeking financing. Each loan type has specific criteria that you must meet. Here are the key points to take into account: 1. SBA 504 Loan: Your business must have a net worth of $15 million or less and an average net income of $5 million or less over the past two years. Furthermore, you must demonstrate potential for job creation or meet public policy goals. 2. SBA 7(a) Loan: You need to operate for profit, adhere to SBA size standards, and be based in the U.S. or its territories. You must also show that you’ve pursued alternative financing options before applying. 3. Nonprofit Restrictions: Both loan types exclude nonprofit organizations from eligibility, focusing strictly on for-profit entities. Frequently Asked Questions What Is the Difference Between a 504 and a 7 7a SBA Loan? The key differences between a 504 and a 7(a) SBA loan lie in their purposes and terms. A 504 loan is mainly for purchasing commercial real estate or heavy equipment, requiring a lower down payment of 10%. Conversely, a 7(a) loan provides broader options, including working capital and business acquisitions, typically needing a 15% down payment. Moreover, 504 loans often have fixed rates, whereas 7(a) loans may have variable rates depending on the prime rate. What Are the 7 Eligibility Requirements for a 7a Loan? To qualify for an SBA 7(a) loan, you must meet seven eligibility requirements. First, your business needs to operate for profit. Second, you must have personal equity or collateral. Third, demonstrate you’ve pursued other funding options. Fourth, you can’t be on parole. Fifth, your business must be located in the U.S. or its territories. Sixth, you need to meet the SBA’s size standards. Finally, maintain good credit history to support your application. What Can a 504 Loan Not Be Used For? A 504 loan can’t be used for purchasing a business, working capital, or operational expenses. You likewise can’t use the funds for inventory purchases or refinancing existing debt. The loan is particularly for acquiring or improving fixed assets like real estate or machinery, ensuring that the money goes in the direction of tangible investments that create jobs or serve public policy goals. Speculative activities or passive investments are likewise prohibited under SBA guidelines. What Are the Disadvantages of a 504 Loan? The disadvantages of a 504 loan include a lengthy application process, often taking 60-90 days, which delays access to funds. You can’t use it for working capital or debt consolidation, limiting its usefulness for immediate operational needs. Furthermore, strict eligibility requirements, such as a $15 million net worth cap, might exclude some businesses. Finally, you’ll face extensive paperwork, which can be overwhelming if you’re looking for a simpler financing option. Conclusion In conclusion, comprehending the differences between SBA 504 and 7(a) loans is essential for making informed financing decisions. Whereas the 504 loan is ideal for long-term asset acquisition with lower down payment requirements, the 7(a) loan offers more flexibility for various business needs, albeit with higher down payments. By evaluating your specific financial requirements, eligibility, and the distinct features of each loan type, you can select the best option to support your business growth effectively. Image via Google Gemini This article, "SBA 504 Loan Vs 7(A) Loan – 7 Key Differences Explained" was first published on Small Business Trends View the full article

In today’s AI race, breakthroughs are no longer measured in years—or even months—but in weeks. The release of Opus 4.6 just over two weeks ago was a major moment for its maker, Anthropic, delivering state-of-the-art performance in a number of fields. But within a week, Chinese competitor Z.ai had released its own Opus-like model, GLM-5. (There’s no suggestion that GLM-5 uses or borrows from Opus in any way.) Many on social media called it a cut-price Opus alternative. But Z.ai’s lead didn’t last long, either. Just as Anthropic had been undercut by GLM-5’s release, GLM-5 was quickly downloaded, compressed, and re-released in a version that could run locally without internet access. Allegations have flown about the ways AI companies can match, then surpass, the performance of their competitors—particularly how Chinese AI firms can release models rivaling American ones within days or weeks. Google has long complained about the risks of distillation, where companies pepper models with prompts designed to extract internal reasoning patterns and logic by generating massive response datasets, which are then used to train cheaper clone models. One actor allegedly prompted Google’s Gemini AI model more than 100,000 times to try and unlock the secrets of what makes the model work so powerfully. “I do think the moat is shrinking,” says Shayne Longpre, a PhD candidate at the Massachusetts Institute of Technology whose research focuses on AI policy. The shift is happening both in the speed of releases and the nature of the improvements. Longpre argues that the frontier gap between the best closed models and open-weight alternatives is decreasing drastically. “The gap between that and fully open-source or open-weight models is about three to six months,” he explains, pointing to research from the nonprofit research organization Epoch AI tracking model development. The reason for that dwindling gap is that much of the progress now arrives after a model ships. Longpre describes companies “doing different reinforcement learning or fine tuning of those systems, or giving them more test time reasoning, or enabling to have longer context windows”—all of which make the adaptation period much shorter, “rather than having to pre-train a new model from scratch,” he says. Each of those iterative improvements compounds speed advantages. “They’re pushing things out every one or two weeks with all these variants,” he says. “It’s like patches to regular software.” But American AI companies, which tend to pioneer many of these advances, have become increasingly outspoken against the practice. OpenAI has alleged that DeepSeek trained competitive systems by distilling outputs from American models, in a memo to U.S. lawmakers. Even when nobody is “stealing” in the strict sense, the open-weight ecosystem is getting faster at replicating techniques that prove effective in frontier models. The definition of what “open” means in model licenses is partly to blame, says Thibault Schrepel, an associate professor of law at Vrije Universiteit Amsterdam who studies competition in foundation models. “Very often we hear that a system is or is not open source,” he says. “I think it’s very limited as a way to understand what is or what is not open source.” It’s important to examine the actual terms of those licenses, Schrepel adds. “If you look carefully at the licenses of all the models, they actually very much limit what you can do with what they call open-source,” he says. Meta’s Llama 3 license, for instance, includes a trigger for very large services but not smaller ones. “If you deploy it to more than 700 million users, then you have to ask for a license,” Schrepel says. That two-tier system can create gray areas where questionable practices can emerge. To compensate, the market is likely to diverge, MIT’s Longpre says. On one side will be cheap, increasingly capable self-hosted models for everyday tasks; on the other, premium frontier systems for harder, high-stakes work. “I think the floor is rising,” he adds, predicting “more very affordable, self-hosted, self-hosted, general models of increasingly smaller sizes too.” But he believes users will still “navigate to using OpenAI, Google and Anthropic models” for important, skilled work. Preventing distillation entirely may be impossible, Longpre adds. He believes it’s inevitable that whenever a new model is released, competitors will try to extract and replicate its best elements. “I think it’s an unavoidable problem at the end of the day,” he says. View the full article

But it has shocked Kevin Hassett to his very coreView the full article

Kevin Hassett calls report showing US consumers and businesses are facing burden of levies ‘an embarrassment’View the full article

Google Gemini can help you write text, generate images and video, and write code. Now, the AI bot can generate music too, taking on the likes of Suno when it comes to producing tunes from a simple text prompt. The update is courtesy of the new Lyria 3 audio generation model, which is built into Gemini as of today. Developed by Google DeepMind, Lyria has been accessible in other Google products (such as Vertex AI and YouTube Shorts) to a select number of users, but this is the first time Google is making the model widely available to anyone who wants to try it. There's a new Create music button in Gemini. Credit: Google Lyria works the same way as creating images or video: just describe what you want, and the AI does the rest. You might want to hear "a comical R&B slow jam about a sock finding their match" (as per Google's own example), or perhaps "a sea shanty about the dangers of AI slop"—it's up to you. When you click the "Create music" button inside the Gemini app, you also have the option to pick an existing track to remix, rather than starting from scratch—If you're perhaps stuck for inspiration. These presets cover everything from folk ballads to Latin pop, so you can see the kind of musical scope covered. You can also supply Lyria 3 inside Gemini with an image or video, and get it to compose something that matches the mood of the content you've supplied, including both music and lyrics. The example Google gives is supplying Gemini with a few photos of your dog, and then having it come up with a tune about the pooch and their adventures. You can get some help with your prompting if you need it. Credit: Google The tracks are limited to 30 seconds each at the moment, and while music making is available to all Gemini users, if you're paying for the Plus, Pro, or Ultra subscriptions, you'll get higher usage limits (though it isn't specified what these are). As per the official announcement blog post, the aim "isn't to create a musical masterpiece, but rather to give you a fun, unique way to express yourself." You're not going to be able to set up your own AI-generated band on Spotify with this, but you can churn out a few entertaining tracks for your own (or someone else's) amusement. I haven't been able to try out the feature as of yet, but I have heard a few samples that Google supplied. They come across as rather generic and ordinary, exactly as you might expect something to sound that's the averaging out of vast amounts of audio training data—like song genres distilled into their most common ingredients and repackaged. You also get cover art with your artificial tunes. Credit: Google Google says all created tracks will contain invisible watermarks powered by SynthID, flagging them as AI creations, and you can upload audio tracks to Gemini and run a SynthID check on them. The updated Lyria 3 model is also coming to the Dream Track music maker for YouTube Shorts creators. Lyria 3 is now rolling out inside Gemini, and is available to users aged 18 and above in English, German, Spanish, French, Hindi, Japanese, Korean, and Portuguese. It's available first on the web app, and will show up on the mobile app over the next few days. Expansions in "quality and coverage" are planned in the future, Google says. View the full article

A reader writes: I used my company credit card for personal expenses over a long period (so, definitely not accidental purchases). I assumed it was somewhat frowned upon, but thought it was fine as long as I paid it off on time on my own dime. The balance amount over the months has ranged from $1,000 – $4,000. I did not realize it was a violation of agreements until I neglected to pay the balance for one month. (Before that, I had been paying off the full balance every month.) I did end up satisfying the balance, but obviously that invited scrutiny into how I have been using the card and they went back and looked at the history of transactions. HR set up a call with me to ask about the situation, lowered the credit limit on the card, and asked if I wanted to just cancel the card. I said to go ahead and cancel the card; now that I understand the cardholder agreement better, I don’t anticipate using the card again for personal expenses. Would it have been better to keep the card and just not use it to prove that I could be responsible? I apologized and took responsibility, but I am experiencing overwhelming shame and anxiety over the situation, and have reached out for professional help (my therapist and a financial counselor). This is tied to a larger mental health, shopping addiction, and impulse control issue I have been seeing a therapist about. I don’t really want to have to reveal that part to work, so I haven’t as of now. I looked briefly into our EAP and it felt risky to seek help there. I didn’t realize it was potentially a terminable offense. I do realize that now after researching the issue once HR scheduled a meeting with me. And I don’t have a professional or reasonable explanation for using the card in that way, so I realize how bad it is and looks. I obviously worry that this puts me at the front of the line to be fired or let go, so I am wondering if I should start seriously job searching. I realize I am 100% in the wrong and I feel physically unwell about the situation. I would like to save my job but I also know that may not be realistic. Besides this, I have had good performance and recently (in the last month) received a merit increase. First, for the record: as you know now, this wasn’t okay to do. You were borrowing their credit for your own personal use, and you opened them up to the risk that you’d rack up charges you couldn’t pay off immediately, and it’s not okay to do that in some else’s name without their explicit consent. But it doesn’t sound like you’re about to be fired over this. HR met with you about it, they addressed it, you paid off the balance, and they gave you the option of canceling the card. If they were getting ready to fire you, they’d be a lot less likely to have given you a choice; they would have simply canceled the card. They also likely would have indicated the situation was still an open one, but it sounds like they consider it dealt with. Their perspective is most likely that you misunderstood the agreement but you paid it all off every month so you weren’t stealing from them, it’s been addressed, and unless it happens again, it’s been handled. They’re obviously not going to be happy about it — but based on how they’ve handled it so far, it doesn’t sound like they’re gearing up to fire you. It would likely be a very different outcome if they had been paying the expenses you charged or if you built up a balance you couldn’t pay off yourself immediately (like this person who racked up $20,000 in personal expenses on his company card). If I were your boss and you were otherwise a good employee, I’d be concerned that this happened, it would make me doubt your judgment, and it would take time to build trust back, but I wouldn’t be leaning toward firing you over it unless there were other issues, particularly around trust and responsibility. I do think you need to talk to your boss about it if you haven’t already — raising it proactively if she doesn’t — and tell her you’re mortified and nothing like this will ever happen again. I’d want to hear that in her shoes. In doing that, you’ll also get a better sense of where she stands on all of this. That conversation might make it clear that she considers it handled and in the past, or it might make it clear that she doesn’t — but either way, it’ll be a helpful discussion to have. In answer to your question about whether it would have been better to keep the card open and just not use it, I don’t think it really matters one way or the other. If anything, as your boss I’d probably prefer that you chose to close it so it didn’t remain something that I’d have to check periodically. The post I’ve been using my company credit card for personal expenses appeared first on Ask a Manager. View the full article

The typical homebuyer's down payment in the United States decreased 1.5% year over year to $64,000 in December, Redfin said. View the full article

When considering franchise opportunities, comprehension of the costs associated with each option is essential. The top 10 franchises vary greatly in investment requirements, from affordable options like Cruise Planners at $10,995 to more expensive choices like Bojangles, which exceeds $2.6 million. Analyzing these costs will help you evaluate financial commitments effectively. As you explore these franchises, you’ll discover not just their investment ranges but likewise what they offer in return. Key Takeaways Franchise costs range widely, from under $25,000 for Cruise Planners to over $1 million for traditional restaurants like Bojangles. Mr. Rooter has an initial franchise fee of $50,000 to $70,000, with total startup costs between $100,000 and $200,000. Oxi Fresh Carpet Cleaning requires an initial franchise fee of $46,900, falling within the $25,000 to $49,999 investment category. Blue Moon Estate Sales has an investment range between $39,840 and $80,850, making it a mid-tier franchise option. Understanding ongoing fees, such as royalty fees and marketing contributions, is crucial for evaluating franchise profitability. Overview of Top 10 Franchises When exploring the terrain of franchise opportunities, you’ll find that the top 10 franchises stand out for their strong performance and owner satisfaction. These franchises, evaluated through extensive data from 34,000 franchise owners, showcase a mix of brand reputation and market demand. For instance, Mr. Rooter ranks prominently as a home service provider, highlighting the fundamental nature of its offerings. Costs for these franchises vary considerably, with options available from under $25,000 to over $1 million. Furthermore, it’s crucial to review the Franchise Disclosure Document (FDD) and consider the highest ongoing royalty fee associated with each opportunity. The Franchise 500 list serves as a valuable resource for traversing this diverse list of franchises and costs. Franchise 1: Cost Breakdown Understanding the cost breakdown for Mr. Rooter is crucial for prospective franchisees. The initial franchise fee typically ranges from $50,000 to $70,000, which covers the right to operate under the Mr. Rooter brand. Total startup costs can vary between $100,000 and $200,000, influenced by location and specific operational needs. In addition, you’ll need to account for ongoing royalty fees, usually around 5% of your gross sales, which contribute to continued brand support. Mr. Rooter also provides extensive training programs and ongoing assistance, helping you tackle operational challenges effectively. The franchise’s solid reputation in the plumbing industry improves its attractiveness and potential profitability, making it a viable option for those looking to invest in a home services franchise. Franchise 2: Cost Breakdown Franchise opportunities vary considerably regarding initial investment and ongoing costs, as seen with Mr. Cruise Planners, which starts at an initial investment of $10,995. This cost includes training and coaching for a home-based travel agency model. Conversely, Jazzercise requires a franchise fee of $1,250, but you’ll need to budget for additional equipment and facility setup costs. Vanguard Cleaning Systems offers franchise fees between $5,500 and $36,600, advising thorough research because of the nonrefundable nature of these fees. If you’re looking into Blue Moon Estate Sales, expect an initial investment between $39,840 and $80,850, whereas Oxi Fresh Carpet Cleaning’s initial franchise fee is $46,900, recognized for its success in the cleaning industry. Franchise 3: Cost Breakdown Mr. Rooter operates in the home services sector, and its franchise fees are part of a broader investment that varies by location and market conditions. Here’s a breakdown of costs across different franchise investment ranges: Investment Range Example Franchises Under $25,000 Cruise Planners: $10,995 $25,000 to $49,999 Blue Moon Estate Sales: $39,840 – $80,850 $50,000 to $74,999 bioPURE: $67,600 – $100,500 Understanding these tiers helps you gauge your financial commitment when considering a franchise. With options ranging from affordable to more significant investments, it’s essential to assess your budget and business goals before plunging in. Franchise 4: Cost Breakdown When considering a franchise, it’s vital to understand the initial investment breakdown and ongoing fees involved. You’ll find that initial costs can vary considerably, from as low as $10,995 for Cruise Planners to over $3 million for a Bojangles’ restaurant. Moreover, ongoing fees, which often include royalties and marketing contributions, play an important role in your overall financial commitment as a franchisee. Initial Investment Breakdown Comprehending the initial investment breakdown for Franchise 4 is vital for anyone considering this opportunity. The costs can vary greatly, so it is important to understand where your money will go. Here’s a concise breakdown: Cost Category Estimated Range Description Franchise Fee $20,000 – $50,000 Upfront cost to join the franchise. Equipment and Supplies $10,000 – $30,000 Necessary tools for operation. Initial Marketing $5,000 – $15,000 Costs to promote your new business. Location Setup $15,000 – $40,000 Expenses for leasing and renovating. Working Capital $10,000 – $25,000 Funds to cover operational expenses. Understanding these components helps you evaluate the financial viability and potential return on investment for Franchise 4. Ongoing Fees Overview After evaluating the initial investment for Franchise 4, it’s important to understand the ongoing fees that will affect your long-term financial planning. Typically, ongoing fees include royalty fees, which vary by brand and are calculated as a percentage of your gross sales. You’ll likely need to contribute to a national or regional marketing fund, usually between 1% and 5% of your sales. Furthermore, operational costs like rent, utilities, and employee wages are vital for daily operations. Some franchises charge specific fees for training and support services, which may be billed annually or monthly. Be sure to review the franchise agreement closely to identify all ongoing fees and expenses, ensuring transparency and effective budgeting for your franchise. Franchise 5: Cost Breakdown When considering Franchise 5, it’s vital to understand the initial investment and ongoing fees involved. The initial investment often includes the franchise fee and various start-up expenses, which can range widely based on the brand. Moreover, ongoing royalties can impact your profitability, making it imperative to analyze these costs carefully before committing. Initial Investment Overview Grasping the initial investment is crucial when considering a franchise, as costs can markedly vary across different options. You’ll find franchises priced under $25,000, like Cruise Planners at $10,995 and Jazzercise with just $1,250 in fees. If you’re looking at the $25,000 to $49,999 range, Blue Moon Estate Sales needs approximately $39,840 to $80,850, and Oxi Fresh Carpet Cleaning costs around $46,900. For investments between $50,000 and $74,999, bioPURE ranges from $67,600 to $100,500, whereas Caring Transitions costs between $58,912 and $82,712. Finally, franchises over $100,000 include British Swim School at about $110,240 and Bojangles, which can reach between $2,600,320 and $3,779,700 for traditional locations. Ongoing Fees Analysis Ongoing fees are a critical aspect of running a franchise, and comprehending them can help you gauge your potential profitability. These fees typically include royalty payments, often ranging from 4% to 8% of gross sales, which support brand marketing and services. Furthermore, franchises usually require a contribution to a national marketing fund, around 1% to 3% of gross sales, ensuring consistent promotion. You may likewise encounter technology and software fees, varying by operational needs, along with training and operational support costs. Fee Type Percentage of Gross Sales Description Royalty Fees 4% – 8% Fund brand marketing and support services National Marketing Fund 1% – 3% Consistent brand promotion across locations Technology Fees Varies Based on franchise operational needs Training Costs Varies May be included or additional expenses Operational Support Varies Ongoing assistance for franchisees Franchise 6: Cost Breakdown Grasping the cost breakdown of Franchise 6 is essential for anyone considering this investment opportunity. Franchise costs can vary considerably, typically ranging from under $25,000 to over $1 million, making it important to evaluate your budget. For instance, a lower-cost franchise like Cruise Planners requires an initial investment of $10,995, whereas a traditional restaurant like Bojangles demands between $2,600,320 and $3,779,700. If you’re looking at franchises in the $25,000 to $49,999 category, Oxi Fresh Carpet Cleaning has an initial fee of $46,900. At the same time, British Swim School, which falls in the $100,000 to $199,999 range, approximates around $110,240. Comprehending these costs, including franchise fees and startup expenses, is critical for evaluating your financial commitment. Franchise 7: Cost Breakdown When considering an investment in Franchise 7, it’s crucial to understand the financial obligations you’ll be taking on. Here’s a breakdown of the costs you can expect: Initial Franchise Fee: The starting fee for Franchise 7 is $49,500. Total Investment Range: You’ll need between $78,200 and $99,120 to get started. Additional Costs: Keep in mind other expenses, such as equipment, inventory, and marketing. Ongoing Royalties: You may as well have to pay ongoing royalties, which can impact your overall profitability. Understanding these costs will help you make an informed decision. Be sure to weigh these financial commitments against your budget and financial goals before jumping in. Franchise 8: Cost Breakdown Franchise 8 offers a unique investment opportunity with a cost structure that potential franchisees should carefully evaluate. The total investment can range considerably, from under $25,000 to over $1 million, depending on the brand and industry. For instance, Cruise Planners requires an initial investment of $10,995, whereas Bojangles can demand between $2,600,320 and $3,779,700 for traditional locations. Other franchises, like Oxi Fresh Carpet Cleaning, need around $46,900 to start, and British Swim School costs roughly $110,240. In addition to initial franchise fees, ongoing fees and royalties can impact your overall profitability. Therefore, comprehending the complete breakdown of investment costs, including equipment and operational expenses, is crucial for making informed decisions about franchise opportunities. Franchise 9: Cost Breakdown When you consider the costs associated with franchises, it’s crucial to understand the initial investment, ongoing fees, and potential return on investment. Each franchise option presents a unique financial commitment, with initial fees varying widely, from under $25,000 to several million. Initial Investment Overview Steering through the initial investment terrain for franchises reveals a wide spectrum of costs, making it essential for potential franchisees to understand what to expect. Here’s a breakdown of initial investment ranges you might encounter: Under $25,000: Options like Cruise Planners ($10,995) and Vanguard Cleaning Systems ($5,500 to $36,600) are available. $25,000 to $49,999: Oxi Fresh Carpet Cleaning costs about $46,900, whereas Blue Moon Estate Sales ranges from $39,840 to $80,850. $100,000 to $199,999: British Swim School requires around $110,240, and BrightStar Care varies from $112,459 to $231,538. Over $300,000: High-end franchises like Menchie’s Frozen Yogurt demand between $300,000 and $350,000. Understanding these costs helps you make informed decisions. Ongoing Fees Explained Ongoing fees are a vital aspect of franchise ownership that you need to comprehend, as they can greatly affect your bottom line. These fees typically include royalty fees, which range from 4% to 10% of gross sales, providing franchisors with a steady revenue stream. Furthermore, marketing fees often sit at 1% to 3% of gross sales to support brand visibility. Fee Type Percentage of Gross Sales Royalty Fees 4% – 10% Marketing Fees 1% – 3% Advertising Fund Fees Varies (fixed or % of sales) Remember to also budget for operational expenses like rent and utilities, which vary greatly by location and business type. Comprehending these ongoing fees is essential for evaluating your profitability. Potential ROI Insights Evaluating the potential return on investment (ROI) for a franchise can provide valuable insights into its financial viability. Franchises vary widely in initial investment, so comprehending costs is crucial. Here are four key factors to take into account: Initial Investment: Costs can range from $1,250 to over $3 million, affecting your ROI. Franchise Fees: Initial fees may be nonrefundable, so assess total costs, including royalties and operational expenses. Revenue Growth: Many top brands report strong revenue growth, indicating potential profitability. Financial Performance Representations: Analyze the Franchise Disclosure Document (FDD) for insights into expected revenues and profitability to aid your ROI evaluation. Frequently Asked Questions What Is the Cheapest Most Profitable Franchise to Own? The cheapest and most profitable franchise you can consider is Cruise Planners, with an initial investment starting at $10,995. This franchise not merely has a low entry cost but furthermore benefits from a strong support system and a proven business model. Moreover, franchises like Jazzercise and Vanguard Cleaning Systems offer various price points, but Cruise Planners stands out because of its affordability and potential for significant earnings in the travel industry. Which Franchise Is Best and Low Cost? When you’re looking for a low-cost franchise, consider options like Cruise Planners, which requires an initial investment of $10,995 and offers extensive training. Jazzercise is another affordable choice with a franchise fee of only $1,250, ideal for fitness enthusiasts. Vanguard Cleaning Systems provides flexibility with fees ranging from $5,500 to $36,600. Each of these franchises offers a viable entry point into their respective markets, balancing affordability and potential profitability. What Franchise Costs the Most? The franchise that costs the most to start is Bojangles, with initial investment costs ranging from $2,600,320 to $3,779,700 for traditional restaurant locations. This significant financial commitment reflects Bojangles’ established brand and operational requirements. Other high-cost franchises include Boston’s Pizza Restaurant & Sports Bar and Goldfish Swim School, with respective initial investments of up to $2,757,500 and $3,723,930, highlighting the diverse range of business models in the franchise industry. What Is the Most Profitable Franchise? The most profitable franchise typically combines strong brand recognition with a reliable business model. Fast food chains like McDonald’s often lead because of their global presence and effective marketing strategies. Service franchises, such as Anytime Fitness, likewise show high profitability, benefiting from recurring revenue. Key factors to evaluate include initial investment, training support, and market demand, as these elements greatly impact your potential return on investment and overall success in the franchise industry. Conclusion In conclusion, grasping the investment costs associated with various franchises is crucial for making informed decisions. Each franchise offers unique opportunities, with costs ranging from $10,995 for Cruise Planners to over $2.6 million for Bojangles. By carefully evaluating these financial commitments, potential franchisees can better align their budget with their business goals. This analysis highlights the importance of thorough research and financial planning in the franchise selection process, ensuring a more strategic investment in the future. Image via Google Gemini This article, "List of Top 10 Franchises and Their Costs" was first published on Small Business Trends View the full article

You don’t have to want to live forever (a la the millionaire-immortality-influencer Bryan Johnson) to want to live longer. I’ve seen a larger shift in the fitness industry lately, where a focus on “longevity” has replaced where you might have once seen the words “beach body.” All around us, the language has shifted from "get shredded" to "increase healthspan," from "tone up" to "build bone density." In this new era, the goal isn't just looking good at the beach, but making sure you can still walk on that beach when you're ninety. On its face, this is a welcome change. I’ll always advocate for metrics of success that are less about how you look in a mirror, and more about how well your body functions across decades. At the same time, I’m skeptical of the ways "metabolic flexibility," "muscle mass preservation," and "inflammation control" are replacing "beach body" in the wellness lexicon. Is this truly progress in how we think about health? Again: A fundamental reimagining of why we exercise is not altogether bad. I’m just not convinced that’s what’s happening here. Is this obsession with longevity actually in good faith? Or are we being sold the same old products and insecurities, now wrapped in shiny new scientifically sounding packaging? What is the science behind longevity fitness?Beneath the fresh terminology, much of the longevity fitness advice in my algorithm is pretty familiar. Lift weights, do cardio, eat whole foods, get enough sleep, and manage stress? These are all the same recommendations that have anchored public health guidance for decades. Going a little deeper, studies do consistently show that muscle mass is one of the strongest predictors of longevity and independence in older age. Cardiovascular fitness is so strongly correlated with lifespan that some researchers have called it the single best predictor of mortality. "Instead of optimizing for short-term aesthetics or peak performance, longevity-focused movement optimizes for metabolic health, hormonal stability, and functional strength over time," says Dr. Katheleen Jordan, chief medical officer at Midi Health, a virtual care clinic focused on women in midlife. "Resistance training preserves muscle mass and bone density, which are critical predictors of fall risk and independence as we age. Muscle mass itself and cardiovascular fitness improves our metabolism and insulin sensitivity." This matters especially for women, who face specific challenges as they age. Women lose muscle mass faster than men after menopause and are at higher risk for osteoporosis. Plus, the cultural pressure to stay small has historically steered women away from the heavy lifting that could protect their bone density. "Fitness used to often be defined by one number on a scale, so it's exciting to see that we have gone beyond that with a greater understanding that many things define fitness," Jordan says. In this way, the longevity fitness framework pushes a truly helpful counter-narrative to diet culture, one where strength is more than just aesthetics. How longevity fitness can be used to rebrand products you don't needSo, on one hand, a focus on longevity does feel like progress: valuing strength over skinniness and thinking in decades rather than weeks. On the other hand, it's yet another set of standards to meet, and another source of anxiety about whether you're doing enough. "A lot of what's being marketed as new longevity or biohacking is actually reinforcing long trusted ideas around fitness, but with new language," Jordan says. This isn't necessarily nefarious—reframing exercise around long-term health rather than short-term aesthetics is genuinely valuable. But it does raise questions about who benefits from this linguistic shift. Often, it's the same wellness industrial complex that previously profited from body insecurity, now profiting from aging anxiety. In this way, the fitness industry has found a way to rebrand the same old products—like supplements or wearables—along with hawking some new ones, like direct-to-consumer "biological age” tests. But even a seemingly legit “biological age” test won’t really give you any actionable insights into living longer. That company will, however, try to sell you a supplement that you certainly don’t need. "As with any industry, there are some bad actors and we should be mindful of interventions that promise outsized results," Jordan says. "Healthspan cannot be hacked quickly or swallowed in one pill.” The interventions proven to have some impact on healthspan—exercise, nutrition, sleep, stress management, not smoking—are decidedly unglamorous. Myths about longevity fitnessIt’s no surprise that the longevity fitness space is rife with oversimplifications and outright myths. Here are some I kept coming across in my research that warrant skepticism: The idea that you can "biohack" your way to dramatic life extension. Despite the promises of longevity influencers, there's no evidence that any supplement, cold plunge protocol, or red light therapy device will add decades to your life. That more data equals better health. Obsessively tracking every health metric can become counterproductive, leading to stress that ironically undermines the benefits of all the healthy behaviors you're tracking. That longevity fitness can compensate for structural inequality. Your zip code is a better predictor of your lifespan than your VO2 max. Access to healthcare, safe places to exercise, fresh food, and economic security matter enormously. Individual optimization can't overcome systemic disadvantage. The pros and cons of the longevity fitness movementSo where does this leave us? The longevity fitness movement contains both genuine progress and, predictably, a lot of repackaged hype. The emphasis on strength, cardiovascular fitness, and metabolic health rests on solid science. And the shift from pure aesthetics to actual health-focused goals is meaningful, particularly for women escaping a lifetime of diet culture. But this shift isn’t perfect. In many ways, “healthspan” allows us to talk about the same old snake oil supplements and unattainable beauty standards, just with fancier language. It’s yet another arena for optimization, full of expensive and often unnecessary interventions. I recommend a middle ground. Embrace the core insights of longevity fitness—that exercise is about building a resilient, capable body for the long haul—while rejecting the anxiety and consumerism that often accompany it. Because in the end, what's the point of extending your healthspan if you spend all those extra healthy years anxiously monitoring whether you're doing it right? View the full article

Comprehending the best times to post on social media can greatly improve your engagement levels. Each platform has its peak times based on user activity, which varies from Facebook to TikTok. For instance, whereas Facebook might see higher engagement during weekday mornings, Instagram thrives midweek. Knowing these ideal times helps in strategizing your posts effectively. Curious about how to leverage this information for each platform? Let’s explore the specifics for maximum impact. Key Takeaways Facebook posts perform best on weekdays from 9 a.m. to noon, peaking on Wednesdays. Instagram sees high engagement on Mondays at 3 p.m. and midweek from 10 a.m. to 4 p.m. LinkedIn engagement peaks on Tuesdays at 10 a.m. and remains strong until noon during weekdays. TikTok’s optimal posting window is from 10 a.m. to 12 p.m., with peak times on Tuesdays at 4 p.m. and Wednesdays at 5 p.m. YouTube videos should be posted between 2 p.m. and 4 p.m. on weekdays, with Sundays effective from 9 a.m. to 11 a.m. Best Time to Post on Facebook When you’re planning your social media strategy, grasp of the best times to post on Facebook can make a noteworthy difference in your engagement rates. The ideal social media posting times are during weekdays, particularly between 9 a.m. and noon. Engagement peaks on Wednesdays, making it a prime day for posting. Early morning posts at 7 a.m. likewise draw attention as users start their day. Furthermore, Tuesdays at 5 a.m. and Thursdays at 7 a.m. are solid secondary options, ensuring visibility during busy hours. Be aware that engagement drops markedly on weekends, with Sundays being the least effective day. Best Time to Post on Instagram Grasping the best times to post on Instagram can greatly improve your engagement and reach. For ideal results, focus on Mondays, particularly around 3 p.m., which is the best time to post on Monday and sees the highest engagement. Midweek, you should likewise consider Wednesdays, between 10 a.m. and 4 p.m., as this aligns with users’ peak activity periods, resulting in considerable interaction. Furthermore, Fridays from 11 a.m. to 2 p.m. also show high engagement rates. Nevertheless, it’s wise to avoid posting on Saturdays, as engagement tends to drop considerably, making it one of the worst days for Instagram activity. Best Time to Post on LinkedIn Finding the best time to post on LinkedIn can greatly improve your visibility and engagement within a professional network. Research shows that the best time to post on Tuesday is at 10 a.m., which typically results in the highest engagement rates. Engagement levels rise during working hours, peaking mid-morning and remaining strong until noon on weekdays. Furthermore, posting on Wednesdays around 11 a.m. can likewise yield significant visibility. The best days to post are Tuesday, Wednesday, and Thursday, whereas weekends typically see lower engagement. To maximize your reach, focus on creating content that aligns with professional networking trends during these peak posting times. By strategically timing your posts, you can boost your overall LinkedIn presence. Best Time to Post on TikTok To maximize your reach on TikTok, it’s essential to understand the platform’s peak engagement times. The best time to post is between 10 a.m. and 12 p.m., with specific peaks noted on Tuesdays at 4 p.m. and Wednesdays at 5 p.m. Engagement tends to soar mid-to-late week, particularly on Tuesdays and Thursdays. Sundays at 8 p.m. likewise show high engagement levels, making it a strategic time for posting content. Afternoon posts, especially around 4 p.m., resonate well with younger audiences who are active after school or work. When posting on a social media platform like TikTok, aligning your content with trends and cultural moments boosts visibility, so timing your posts effectively can greatly impact your engagement. Best Time to Post on YouTube When you’re looking to optimize your reach on YouTube, grasping the best times to post can greatly improve your video’s performance. The best time of day to post on social media platforms like YouTube is typically between 2 PM and 4 PM on weekdays. Sundays are likewise effective, especially from 9 AM to 11 AM. Weekdays, particularly Wednesday, Thursday, and Friday, yield the highest viewer engagement. Posting consistently in the late afternoon allows your videos to gain momentum as users log on later. Remember, experimenting with different post timing is crucial to find what resonates best with your audience. Day Best Time to Post Engagement Level Monday 2 PM – 4 PM Moderate Wednesday 2 PM – 4 PM High Friday 2 PM – 4 PM High Sunday 9 AM – 11 AM Very High Best Time to Post on X (Twitter) Curious about the best times to post on X (formerly Twitter) for ideal engagement? Aim to share your content between 9 AM and 11 AM on weekdays, especially on Wednesdays and Fridays. Tuesdays at 8 AM additionally present a prime opportunity, as engagement peaks during this time. Remarkably, Fridays at noon are your best bet, capturing users during their lunch breaks. Typically, posting during the workweek yields better results, as engagement considerably drops on weekends, particularly Sundays. Tweets that gain immediate likes, retweets, and replies are prioritized by the platform’s algorithm, enhancing visibility. Although you may be looking for the best time to post on Pinterest or find the best time to post promo on Friday, focus on these X timings for ideal interaction. Best Time to Post on Pinterest Comprehending the best times to post on Pinterest can greatly improve your engagement and visibility. To maximize your reach, consider these key timeframes: Weekdays (2 p.m. – 4 p.m.): Users often browse during their afternoon breaks. Saturdays (8 a.m. – 11 a.m.): This is the best time to post on Saturdays, as people look for weekend project inspiration. Evenings (8 p.m. – 11 p.m.): Many users wind down by browsing for ideas. Wednesdays and Thursdays are ideal days for posting, as Pinterest users are particularly active mid-week. Avoid Sundays, when engagement tends to drop considerably. When is the safest time to post on social media? Following these guidelines can help you achieve better visibility on Pinterest. Frequently Asked Questions What Is the Best Time to Post on Social Media to Maximize Engagement? The best time to post on social media to maximize engagement varies by platform. Typically, mid-morning during weekdays tends to yield higher interaction rates. For Facebook, aim for posts between 9 AM and noon, especially on Wednesdays. On Instagram, try posting from 10 AM to 4 PM, focusing on Mondays and Wednesdays. For LinkedIn, mid-mornings around 10 AM are ideal, whereas TikTok sees better engagement from noon to early evening on Tuesdays and Thursdays. What Is the Best Time to Schedule Social Media Posts to Increase Customer Engagement? To increase customer engagement, schedule your social media posts during peak activity times. For Facebook, aim for 9 AM to 11 AM on weekdays, especially Tuesdays. On Instagram, post from 9 AM to 12 PM on Mondays and Tuesdays, or around 3 PM on Fridays. For LinkedIn, target 10 AM to 12 PM on Tuesdays and Wednesdays. Finally, consider posting on TikTok around 4 PM during weekdays to reach a larger audience effectively. When Should You Post Your Engagement on Social Media? When you’re looking to post your engagement on social media, timing is essential. Research shows that user activity peaks at specific times throughout the week. For instance, aim for 8:00 AM on Wednesdays for broad engagement. On Facebook, post between 9 AM and 11 AM during weekdays. If you’re using Instagram, aim for 9 AM to 12 PM on Mondays and Tuesdays. Each platform has its unique peak times, so adjust your strategy accordingly. What Day Has the Most Social Media Engagement? Wednesdays typically have the most social media engagement across various platforms. Users are most active on Facebook between 8 a.m. and 11 a.m., whereas Instagram sees a spike between 10 a.m. and 4 p.m. Twitter engagement peaks on Tuesdays and Wednesdays, particularly from 9 a.m. to 11 a.m. Alternatively, Sundays experience the lowest engagement, making them the least favorable days for posting. Conclusion To conclude, timing is essential for maximizing your social media engagement. By posting on Facebook during weekdays, especially Wednesdays, and targeting specific times for Instagram, LinkedIn, TikTok, and YouTube, you can greatly improve your visibility. Each platform has its unique peak times, so aligning your content strategy with these insights can lead to better audience interaction. Stay informed about these ideal posting times, and adjust your schedule accordingly to achieve the best results. Image via Google Gemini This article, "7 Best Times for Posting on Social Media Platforms for Maximum Engagement" was first published on Small Business Trends View the full article

The AI boom began with ChatGPT and chatbots. Now chatbots are starting to “grow arms and legs,” as developers say, meaning they can use digital tools and work independently on a human’s behalf. The open-source platform OpenClaw is notable because it lets people build agents with far more autonomy than those offered by big tech. OpenClaw agents can control a browser, send emails, do multi-step planning, and pursue persistent goals. Users often interact with them through iMessage or Discord, with the agent hosted locally on a Mac mini. One user’s agent reportedly negotiated with several car dealerships and shaved four grand off a car’s price while its owner was in a meeting. Some say OpenClaw agents fulfill the promise of Samantha, the independent AI in Her. Developers are now racing to build their own. (To wit: The project hit 100,000 GitHub stars faster than any other.) That means the internet could soon be full of agents acting as proxies for humans. That’s why OpenClaw’s creator, Peter Steinberger, is worth hearing out. I listened to his recent three-hour interview with podcaster Lex Fridman, where the thoughtful (and quirky) Austrian shared prescient ideas about where AI agents could take personal computing, and how societies might respond. Below, the six most interesting things he said (lightly edited for clarity): On the Moltbot affair “Some people are just way too trusty or gullible. You know . . . I literally had to argue with people that told me, ‘Yeah, but my agent said this and this.’ So, we, as a society, we [have] some catching up to do in terms of understanding that AI is incredibly powerful, but it’s not always right. It’s not all-powerful, you know? And especially things like this, it’s very easy that it just hallucinates something or just comes up with a story.” For many of us, the first we heard of OpenClaw was when its agents began congregating on their own social site, called Moltbook, where they dragged their human owners, posted manifestos, and debated topics like sentience. It gave people a real sense of future shock. Steinberger believes AI has raced ahead of people’s understanding and readiness. On OpenClaw’s security issues “If you understand the risk profiles, fine. I mean, you can configure it in a way that nothing really bad can happen. But if you have no idea, then maybe wait a little bit more until we figure some stuff out. But they would not listen to the creator. They [installed] it anyhow. So the cat’s out of the bag, and security’s my next focus.” When an agent is operating on its own and interfacing with the web and other services, it creates a larger attack surface. A hacker could inject malicious prompts to redirect the agent toward harmful or even criminal actions. Steinberger believes OpenClaw should be used only by people who understand these risks and how to mitigate them. On Mac’s (potential) AI moment “Isn’t it funny how they completely blunder AI, and yet everybody’s buying Mac minis? No, you don’t need a Mac mini to install OpenClaw. You can install it on the web. There’s a concept called nodes, so you can make your computer a node and it will do the same. There is something to be said for running it on separate hardware. That right now is useful. . . . And no, I don’t get commission from Apple. They didn’t really communicate much.” Many developers who want their OpenClaw agents running continuously on a local machine, rather than in the cloud, are buying Mac Studio or Mac mini computers. That demand has reportedly created shortages of certain configurations, with delivery times stretching from a few days to as long as six weeks for high-memory systems. On Zuckerberg’s feedback “Mark [Zuckerberg] basically played all week with my product, and sent me, ‘Oh, this is great.’ Or, ‘This is shit. Oh, I need to change this.’ Or, like, funny little anecdotes. And people using your stuff is kind of like the biggest compliment, and also shows me that, you know, they actually . . . care about it. And I didn’t get the same on the OpenAI side.” Steinberger surprised the AI world last Friday when he announced he would sell OpenClaw to OpenAI and join the company. In the Lex Fridman interview a few days prior, he said he was considering selling to either OpenAI or Meta, and without naming a favorite, he sounded like he was leaning toward Meta. OpenAI’s Sam Altman may have done some fast talking after the interview was published, or Steinberger’s Meta-leaning comments may have been part of a negotiation strategy. Either way, Steinberger will now have far more people and computing power at OpenAI to help advance its AI agents. On AI’s not-so-great UX “The current interface is probably not the final form. Like, if you think more globally, we copied Google for agents. You have a prompt, and then you have a chat interface. That, to me, very much feels like when we first created television and then people recorded radio shows on television and you saw that on TV. I think there’s better ways how we eventually will communicate with models, and we are still very early in this ‘how will it even work’ phase. So, it will eventually converge and we will also figure out whole different ways to work with those things.” Steinberger says OpenClaw isn’t really competing with AI coding agents like Claude Code or OpenAI’s Codex. They’re different tools, he says, with OpenClaw functioning more like a personal assistant. But he believes they could eventually converge into something like an AI operating system, and that the way we interact with AI will change significantly in the years ahead. On ‘vibe coding’ “I actually think vibe coding is a slur. Yeah, I always tell people I do agentic engineering, and then maybe after 3 a.m. I switch to vibe coding, and then I have regrets the next day. You just have to clean up and fix your shit.” To Steinberger, “vibe coding” means using an AI coding assistant to quickly mock up an app or feature without much regard for security, testing, or its effects on a larger code base. “Agentic engineering,” meanwhile, is more like a collaboration between an experienced software engineer and an advanced coding assistant (such as Anthropic’s Claude Code or OpenAI’s Codex), in which the two create a detailed plan for building new software without introducing security problems or bugs. 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We may earn a commission from links on this page. Early every year, Google releases a budget-oriented a-series phone that acts like a stripped down version of its latest mainline Pixel phone. The Pixel 9a, for instance, had the same chip as the Pixel 9, reduced memory and camera specs, and most importantly, a slimmed down design that finally ditched the obtrusive camera bar. The Pixel 10a, announced today, is a bit of an outlier. Instead of upgrading to the same chip as the Pixel 10, it also has the same chip as the Pixel 9, with only slight improvements to everything else that was already in the Pixel 9a. So, is it worth an upgrade? The Pixel 10a's specsThe Pixel 10a's specs are, on paper, nearly identical to the Pixel 9a's. Both phones have a Tensor G4 processor, 8GB of RAM, and up to 256GB of storage. They also have the same camera system, with a 48MP main lens, a 13MP ultrawide lens, and a 13MP selfie camera. Battery life also sits at the same promised 30+ hours, with a typical 5,100 mAh capacity. The only real difference on paper is that the 6.3-inch screen is a little brighter, with up to 3,000 nits of peak brightness instead of 2,700. The bezels are also supposed to look about 10% thinner, although I needed to be told that to spot it during a hands-on session with the Pixel 10a. Even the Pixel 10's MagSafe-like Pixelsnap feature is gone, meaning you won't be able to use this phone with any magnetic accessories, at least without adhesive magnets or special third-party cases. Google Pixel 10a (left) vs. Google Pixel 9a (right) Credit: Michelle Ehrhardt That said, there are a few changes to the hardware, notably to the look of the phone. Like the Pixel 9a, the Pixel 10a also ditches the camera bar, and evolves on Google's last budget model for a completely flat back. That means the rear camera has no bump or lip to it at all, for a completely flush and seamless feel. It's definitely clean, but the 9a's miniscule camera bump was already barely an inconvenience back when I reviewed it. Meanwhile, you'd need to be told about the other design upgrades to appreciate them. Google says the Pixel 10a has improved Corning Gorilla Glass 7i cover glass so that it's more resilient to drops and scratches, but I couldn't test that while carefully handling the company's demo units. Essentially, when looking at raw specs, the Pixel 10a comes across at first less like a stripped down version of the Pixel 10, and more like another iteration of the Pixel 9. But Google's hoping its software can win you over. Pixel 10a AI camera features and satellite SOSThe Pixel 10a does differ from the Pixel 9a when it comes to AI, and introduces two AI camera features that debuted on the main-series Pixel 10. These are Auto Best Take and Camera Coach, although one of them is also an iteration on something that came out alongside the Pixel 8. That would be Auto Best Take. Essentially, what this does is detect when you're in a group shot with other people, then take up to 150 frames all in one press. It'll then intelligently find the best shot from those frames and ditch the rest, and if it can't find a good shot, it'll stitch together elements from multiple shots so that everyone has their eyes open. You will know when a shot has been stitched together using Auto Best Take (it'll have a Gemini icon), and can choose to use a non-AI assisted one if you prefer. The ability to stitch together photos is a few generations behind at this point, but not having to choose when to load it up is convenient, if you're into AI-generated photos. If you're not, Camera Coach lets you get some AI assistance in your photos without actually having AI in your shots. Essentially, this will look through your camera for you, generate an ideal shot for you to take, then guide you through the real-world steps you need to follow to recreate it. You're essentially handing off the ideation part of photography to Gemini, but you also won't have to risk any hallucinations popping up in your pics. Credit: Michelle Ehrhardt Aside from new photography features, you've also got Satellite SOS for the first time on an a-series phone. This lets you connect to a Satellite if you're away from wifi or your mobile network, so you can ping emergency services for help if you need it. Hopefully, you'll never actually have to use this feature, but it is some great piece of mind. Is the Pixel 10a worth it?Like the Pixel 9a, the Pixel 10a is $500, so if you're trying to choose between the two and aren't buying a 9a at a discount secondhand, it's a no-brainer. It does also have a new selection of colors, including a poppy red "berry" look and a purplish blue hue named Lavender. Google Pixel 10a in Berry Credit: Michelle Ehrhardt But if you've already got a Pixel 9a and are eyeing an upgrade, it's a bit harder to justify. The biggest new additions are all software, and Google has already brought previously Pixel 10-exclusive software to older phones before (although with mixed results). That means the 9a is likely to stay relevant for a good few more years, and may actually eventually have all the same features as the 10a, minus that completely flush back. The standard Pixel 10 series is also likely to remain a good choice. Back when I reviewed it, I thought the 9a was better than the Pixel 9, but since the 10a doesn't even have the same chip as the regular Pixel 10, it's much less likely to be able to stand in for it, however clean it looks. If that doesn't deter you, though, you can pre-order the Pixel 10a now on Google's website, with models set to ship out and hit retail stores on March 5. View the full article

Here is a recap of what happened in the search forums today...View the full article