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Hopes for Bank of England rate cuts fade as oil and gas prices soarView the full article

Last September, President Donald The President took the stage at a White House press conference to give America some (completely unfounded) medical advice. “Taking Tylenol is not good,” The President said. “I’ll say it: It’s not good.” The President alleged that Tylenol, aka acetaminophen, is linked to autism, and that pregnant women taking the common painkiller increases the likelihood of their children being autistic. The President had no scientific evidence to back up his claim, nor the support of the broader medical community—and yet, his critique of Tylenol had an impact on America’s emergency rooms nearly overnight. A new study in The Lancet shows that between The President’s speech on September 22 and the end of the study period on December 7, acetaminophen orders for pregnant patients ages 15 to 44 in emergency rooms declined by 10%. Meanwhile, orders for non-pregnant women in the same age range did not see any significant change. Dr. Jeremy Faust, the lead researcher on the study, told NPR that The President’s words “had an immediate impact on how much Tylenol or acetaminophen was being ordered in emergency departments.” “This is thousands of women not getting pain control or not getting fever reduction when they need it, when they want it, when they would benefit from it,” he said. Whether the drop in Tylenol orders was due to patients refusing the drug or doctors choosing not to prescribe it is unclear. The study was also limited to emergency departments, and did not account for other hospital departments nor for women potentially taking Tylenol at home. Emergency room orders for Tylenol had mostly returned to normal by the end of the study period, suggesting that initial anxieties fueled by The President’s speech were short-lived. But another of The President’s recommendations seems to have staying power: A drug The President recommended as a cure for autism—again, with no scientific backing—jumped in usage. At that same press conference, The President said that the FDA would be changing the label for leucovorin, a vitamin B drug typically used in conjunction with cancer treatment, to allow its use as a treatment for autism. “That’s one of the things that I’m very, very happy about,” The President said. Leucovorin has had no major clinical trials to prove its effectiveness in treating autism. Nevertheless, outpatient leucovorin prescriptions for children ages 5 to 17 increased by 71% during the study period and remain elevated compared to the months before The President’s speech. The shift in sales of both Tylenol and leucovorin point to The President’s outsize influence on the American public, whether or not he has facts to back him up. But forces in the healthcare industry, including Kenvue, the manufacturer of Tylenol, are fighting to keep consumers informed. Kenvue spokesperson Melissa Witt told NPR, “We stand with science and continue to believe that there is no credible data that shows a proven link between taking acetaminophen and autism.” View the full article

Authorities struggle to restrain Hizbollah and ease domestic tensionsView the full article

The Mortgage Industry Standards Maintenance Organization is nearing completion on the first of a three-phase Veterans Affairs loan guarantee modernization effort. View the full article

In an era when customer experience drives business success, small telecommunication providers find themselves at a crossroads—struggling to retain customers despite significant investments in 5G technology and digital transformation. The recent launch of Salesforce’s Agentforce for Communications offers a promising solution tailored specifically for this sector, enabling companies to enhance customer engagement and drive new revenue streams. The telecommunications industry faces unique pressures, including decreasing average revenue per user (ARPU) and high customer churn rates, which can be as staggering as 40%. These challenges can erode profits and hinder growth. According to Salesforce, the introduction of Agentforce addresses these issues by providing tailored AI agents designed to optimize sales and customer service performance. Salesforce’s Agentforce includes five prebuilt AI agents that help sales teams manage complex transactions and streamline customer service interactions. The platform’s agents enhance deal velocity, support technicians in upselling during field visits, and allow service representatives to focus on high-value customer needs rather than mundane tasks. For small business owners in telecommunications, this means their teams can reclaim precious time that can be redirected toward expanding their offerings and improving service quality. Summer Collins, Chief AI & Data Director at One NZ, lauded the platform, stating, “Our AI assistant uses real-time data to handle everything from balance inquiries to plan switches, resulting in a 4x increase in engagement over traditional digital and physical channels.” Such metrics reveal the transformative potential of AI in driving customer interaction. Companies leveraging Agentforce, like Lumen Technologies and Personal (a Telecom Argentina company), report substantial productivity gains. Ryan Asdourian, Lumen’s EVP and Chief Marketing & Strategy Officer, mentioned that “Agentforce is the engine reclaiming more than 300 hours of productivity for our teams every week,” illustrating the potential for resource optimization. For small business owners, the practical applications of Agentforce are noteworthy. The suite includes agents focused on specific tasks such as the Billing Resolution Agent, which harmonizes and analyzes billing data to resolve disputes autonomously, allowing customer service teams to focus on more complex cases. This kind of automation not only improves customer satisfaction but also fosters a more efficient operational model. Another compelling feature is the Guided Selling Agent, which helps field service technicians generate upsell opportunities in real-time—turning routine service visits into profitable encounters. This not only enhances the technician’s role but provides additional avenues for revenue generation without significantly increasing the workload. Despite these advantages, small business owners should consider potential challenges before fully integrating this technology. Implementing new AI systems may require an upfront investment in training and adaptation, as teams will need time to adjust to new workflows. There may also be resistance from employees who are accustomed to traditional practices, making change management a critical component of the implementation process. Moreover, businesses must ensure their existing data infrastructure can efficiently support the integration of AI agents, which depend heavily on real-time data and analytics. A solid foundation will be essential for maximizing the benefits of Agentforce and ensuring consistent performance across the board. As Salesforce’s David Fan sums up, “With Agentforce for Communications, we’re helping telecom companies work smarter by connecting every part of their business… with AI agents that work 24/7 alongside human teams.” The ability to leverage 24/7 AI support could reshape customer interactions, reduce operational friction, and ultimately lead to growth opportunities. For small telecom businesses seeking innovative solutions to overcome current industry challenges, Agentforce for Communications presents a compelling option. Those who embrace this technology may not only boost productivity but also create lasting relationships with their customers—turning each interaction into a meaningful opportunity for growth. For more detailed insights on the platforms and features available, please visit the original post. Image via Google Gemini This article, "Telecom Companies Turn to AI Agents to Boost Revenue and Customer Loyalty" was first published on Small Business Trends View the full article

In an era when customer experience drives business success, small telecommunication providers find themselves at a crossroads—struggling to retain customers despite significant investments in 5G technology and digital transformation. The recent launch of Salesforce’s Agentforce for Communications offers a promising solution tailored specifically for this sector, enabling companies to enhance customer engagement and drive new revenue streams. The telecommunications industry faces unique pressures, including decreasing average revenue per user (ARPU) and high customer churn rates, which can be as staggering as 40%. These challenges can erode profits and hinder growth. According to Salesforce, the introduction of Agentforce addresses these issues by providing tailored AI agents designed to optimize sales and customer service performance. Salesforce’s Agentforce includes five prebuilt AI agents that help sales teams manage complex transactions and streamline customer service interactions. The platform’s agents enhance deal velocity, support technicians in upselling during field visits, and allow service representatives to focus on high-value customer needs rather than mundane tasks. For small business owners in telecommunications, this means their teams can reclaim precious time that can be redirected toward expanding their offerings and improving service quality. Summer Collins, Chief AI & Data Director at One NZ, lauded the platform, stating, “Our AI assistant uses real-time data to handle everything from balance inquiries to plan switches, resulting in a 4x increase in engagement over traditional digital and physical channels.” Such metrics reveal the transformative potential of AI in driving customer interaction. Companies leveraging Agentforce, like Lumen Technologies and Personal (a Telecom Argentina company), report substantial productivity gains. Ryan Asdourian, Lumen’s EVP and Chief Marketing & Strategy Officer, mentioned that “Agentforce is the engine reclaiming more than 300 hours of productivity for our teams every week,” illustrating the potential for resource optimization. For small business owners, the practical applications of Agentforce are noteworthy. The suite includes agents focused on specific tasks such as the Billing Resolution Agent, which harmonizes and analyzes billing data to resolve disputes autonomously, allowing customer service teams to focus on more complex cases. This kind of automation not only improves customer satisfaction but also fosters a more efficient operational model. Another compelling feature is the Guided Selling Agent, which helps field service technicians generate upsell opportunities in real-time—turning routine service visits into profitable encounters. This not only enhances the technician’s role but provides additional avenues for revenue generation without significantly increasing the workload. Despite these advantages, small business owners should consider potential challenges before fully integrating this technology. Implementing new AI systems may require an upfront investment in training and adaptation, as teams will need time to adjust to new workflows. There may also be resistance from employees who are accustomed to traditional practices, making change management a critical component of the implementation process. Moreover, businesses must ensure their existing data infrastructure can efficiently support the integration of AI agents, which depend heavily on real-time data and analytics. A solid foundation will be essential for maximizing the benefits of Agentforce and ensuring consistent performance across the board. As Salesforce’s David Fan sums up, “With Agentforce for Communications, we’re helping telecom companies work smarter by connecting every part of their business… with AI agents that work 24/7 alongside human teams.” The ability to leverage 24/7 AI support could reshape customer interactions, reduce operational friction, and ultimately lead to growth opportunities. For small telecom businesses seeking innovative solutions to overcome current industry challenges, Agentforce for Communications presents a compelling option. Those who embrace this technology may not only boost productivity but also create lasting relationships with their customers—turning each interaction into a meaningful opportunity for growth. For more detailed insights on the platforms and features available, please visit the original post. Image via Google Gemini This article, "Telecom Companies Turn to AI Agents to Boost Revenue and Customer Loyalty" was first published on Small Business Trends View the full article

Advances in online planning tools make it easier and more affordable. By Cody Barbo The Holistic Guide to Wealth Management Go PRO for members-only access to more Rory Henry. View the full article

Advances in online planning tools make it easier and more affordable. By Cody Barbo The Holistic Guide to Wealth Management Go PRO for members-only access to more Rory Henry. View the full article

How do you want this new relationship to begin? By Jody Grunden Building the Virtual CFO Firm in the Cloud Go PRO for members-only access to more Jody Grunden. View the full article

How do you want this new relationship to begin? By Jody Grunden Building the Virtual CFO Firm in the Cloud Go PRO for members-only access to more Jody Grunden. View the full article

Gap stock is plummeting this morning in early trading after the company reported its fourth-quarter results after the bell yesterday. As of this writing, shares of Gap Inc. (NYSE: GAP) are down more than 12%, and its recent temporary store closures are partly to blame for that. Here’s what you need to know. Gap’s Q4 2025 results The iconic retail chain turns 56 this year, and during its long life, it has seen its fair share of ups and downs. The company’s name-brand Gap stores were an iconic mall staple in the 80s and 90s, but in the early 21st century, the brand faced growing competition from online rivals and shifting brand loyalties among Gen Z—something the company has been working to address in recent years. In addition to its name-brand stores, The Gap also owns the athleisure brand Athleta, the safari-themed brand Banana Republic, and the value brand Old Navy. In its earnings report yesterday, The Gap reported the following for its fourth quarter, which ended January 31, 2026: Net sales: $4.2 billion (up 2% year over year) Net income: $171 million Diluted earnings per share (EPS): $0.45 Unfortunately for the company, these results were either in line with or below expectations. As noted by CNBC, The Gap’s revenue of $4.2 billion matched analyst expectations. However, its diluted EPS of 45 cents was one cent below the 46 cents analysts were expecting. Gap further broke out its comparable sales for the fourth quarter across its brands. When it came to comparable sales, the company’s namesake brand, Gap, performed best. Gap saw comparable sales rise 7% versus the same period a year earlier. Banana Republic saw a 4% increase, and Old Navy saw a 3% increase. However, the company’s Athleta brand suffered a huge drop—its comparable sales were down 10% from the same quarter a year earlier. 800 temporary store closures hit The Gap’s bottom line The Gap’s retail stores are facing many of the same pressures as most physical apparel stores: more price-conscious consumers, prominent online threats from Amazon, Shein, and Temu, and high tariff costs for the quarter. (President The President’s “Liberation Day tarrifs were not declared illegal by the Supreme Court until February, meaning they were in effect for Gap’s entire Q4.) However, the company also said that its temporary store closures hurt its bottom line. Mainly due to severe winter weather in the northeast in January, The Gap was forced to temporarily close as many as 800 of its stores, which had a negative impact on comparable sales. “Old Navy and all the brands were actually trending better heading into that weather disruption,” said the Gap’s chief financial officer, Katrina O’Connell (via CNBC). “The good news is the trends recovered immediately after those storms passed.” Investors will not be interested in whether store closures by other retail companies operating in the northeast also had as negative an impact on bottom lines as the closures of The Gap’s brands did. A tariff boost in Gap’s future? After reporting its lackluster results and issuing guidance that was already largely in line with investor expectations (fiscal 2026 net sales growth of between 2% and 3%), Gap’s shares fell. Currenlty GAP shares are down more than 13% to $23.59. Year-to-date the company’s share price is now in the red, down about 4.3%. However, over the past 12 months, the company’s share price is still up about 25%. Gap may also have a saving grace in the cards. President The President’s tariffs being declared void by the Supreme Court means the company is currently paying much less on import duties. The President has recently enacted new tariffs of up to 15%, but that threshold is less than what The Gap was paying. As CNBC reported, Gap’s O’Connell said the company did not factor these tariff price changes into its future guidance yet, as it believed it was “premature to plan for a change.” However, O’Connell noted that “If the [current] Section 122 tariffs were to stay in place for the year or expire in July, it should lead to a more favorable outcome versus the outlook we provided today.” That’s something investors will be hoping for. View the full article

If you’re looking for a job or hiring, the question is no longer whether AI is involved—but how aggressively you’re using it. Generative AI has wormed into every stage of recruitment, from drafting applications and filtering candidates to AI-led interviews. It’s the wild west out there. (And it’s getting wilder.) Both employers and prospective employees are exasperated. Examples abound. Last year, Anthropic urged prospective applicants to not use AI systems when applying to jobs at the AI company, even asking them to sign a contract to confirm they read and understood the ask. Goldman Sachs has implemented blocks and employs AI detection software, while McKinsey actually requires candidates to use its internal chatbot Lilli for practical consulting tasks. As all parties scrabble to jump through the new LLM-molded hoops, the mechanics of hiring are going under the microscope. CVs, take-home tasks, interviews—all of it is ripe for re-engineering. In a market obsessed with automation for automation’s sake, one particular Swedish AI darling is standing steadfast in its AI-resistant approach. “Jam around on ChatGPT—but it’s not going to save you” Sana Labs, founded in 2016 by high school prodigy Joel Hellermark, builds software that helps organizations train employees and deploy AI assistants using their own institutional knowledge. The client roster features the likes of Spotify, Hootsuite, Strava, and Robinhood, and in November, it was acquired by Workday for $1.1 billion, a deal that’s reportedly one of Europe’s largest AI acquisitions. The business runs on generative AI, and yet, when it comes to recruitment, Sana has designed a system where leaning on LLMs is a liability. As the AI-on-AI arms race between candidates and recruiters intensifies, Sana’s contrarian bet appears to be paying off. It has scaled to a 300-person team, adding 150 new hires in the past year alone, with an attrition rate that’s well below the industry benchmarks (in the European tech sector, the average sits at 17.4%). Everything usually starts with a poach. Exceptional staff are rarely looking for a job, explains head of operations Olivia Elf, who’s been a ‘Sanian’ since 2021. The team spends weeks, months or sometimes years chasing down talent—once their interest is piqued, the window is narrow. “We need to make it as easy as possible for someone to apply,” Elf tells Fast Company. “We have two clicks, not 10.” Candidates upload a CV and add contact details. That’s it. Everyone hears back within 24 hours—often in half that time—whether they’re rejected or cleared to move on. Next comes a rapid-fire intro call with an available Sana staffer. There’s no central recruiting figurehead: every single employee at the company is trained to interview, which Elf calls “the best life skill anyone can have.” Interviewers are encouraged to push boundaries—the more mind-bending the questions, the better. But first, Sana’s litmus test: the MEH framework. Are you a missionary or a mercenary (M)? Do you strive for excellence, always (E)? Do you demonstrate humility (H)? Pass that (in other words, don’t be a “meh” candidate), and you’re sent a role- or domain-specific take-home task. “We expect people to use every tool available—we’re not looking to cap anyone,” Hellermark, who founded Sana when he was just 19, tells Fast Company. “Setting artificial constraints in hiring would contradict the environment candidates are stepping into.” Hopefuls are invited to a Sana hub in Stockholm, New York, or London (most work is on-site anyway, with relocation common) to present their take-home task. This is where reliance on LLMs is rendered useless. Feedback is instant, and candidates should expect to be challenged on their thinking when they present. “We get quite aggressive, but it’s done with care and humor, so the experience should simulate the experience of working here,” says Elf. If a slide deck smacks of ChatGPT, interviewers press harder. “We want to know which parts they used AI for and we’re not going to tiptoe around that,” says Elf. In “You can jam around on ChatGPT before, sure—but that’s not going to save you.” Of course, not every company can afford to fly candidates from around the world to prove their skills without AI in person. “It’s a luxury that can get expensive if you’re hiring at high volume,” says Andreas Bundi, who’s been a recruiter for 15 years and founded Berlin-based HR consultancy Bundls. “It’s more realistic for companies to use tools and good judgment in how they conduct remote interviews to minimize the risks of candidates cheating.” To boot, Sana’s line of questioning is deliberately personal and reflective. They want to see deep into the mind palace, so ChatGPT is a useless shortcut. Favorite questions include: “Looking back at the most pivotal decision you made, what principles shape those?” “When you’re sitting on your couch scrolling, where do you end up?” “When’s the last time you changed your mind about something important?” All of which are questions candidates would struggle to answer with any gumption using an LLM. Looking for: inquiring minds On the surface, all this sounds quite quaint. But after years of remote work, highly automated hiring funnels, and now hacks to game every stage of the process, the basics are easy to overlook. Paranoia is high, while trust is low. Reports of job and employment-related scams have increased by 1000%, and actual losses run into the hundreds of millions of dollars. Everyone assumes everyone else is cheating. Bundi has seen more companies balk at in-person task presentations and interviews, which he says is a natural response to the overreliance on LLMs: “I’ve seen a huge increase in fraudulent applications, and certainly more AI firms in my network are using third-party tools to detect when it’s being used in applications and interviews,” he explains. He adds that the use of AI auditing tools will rise, especially in fast-scaling firms. “But I don’t think the in-person thing is necessary—I could definitely imagine there is some candidate pushback to the carbon emissions, even if companies no longer seem to care about projecting an ethical image themselves.” By now, Sana’s hiring philosophy is well-worn: the process has barely shifted since 2022, before the AI boom ruptured recruitment. There is, however, one new non-negotiable: candidates must be genuinely curious about AI itself. This is, after all, an AI company where employees are constantly stress-testing models and building automations for kicks. Being unilaterally curious outranks networks, prestige-level employers, and even formal credentials. “Curious people are curious beyond ego,” says Elf. “They’re constantly reinventing themselves, comfortable naming their weaknesses, and actively working toward their own version 2.0.” As well as being a trait that only humans have, she adds, curious people are almost always the most fun people to work with, which for Sana is important to keep in mind during the hiring process. As large language models metabolize the internet and spew out its average, the impact on hardcore users is coming into focus. Researchers have found that while LLMs can help with goal-directed tasks, like answering specific questions or copyediting documents, they hinder “divergent thinking,” or the ability to generate novel ideas. Curiosity has moved onto the endangered list, and more employers might want to consider doubling down. Elf agrees. “AI is doing a lot of wonders, but it is absolutely a threat to rigorous thinking, one that’s reducing the need to look into your own head,” she says. While much of the hiring market optimizes for speed at great cost, Sana seeks depth and an infinite skillset. Curiosity, it turns out, is both a soft skill and a survival skill in an AI-native world. As we hurtle towards conformity, it’s also the hardest one to fake. View the full article

Qualcomm's five new AI-native Wi-Fi 8 networking SoCs cover every market segment. The post MWC: Qualcomm releases a one-stop-shop of Wi-Fi 8 networking SoCs – with performance well beyond the standard appeared first on Wi-Fi NOW Global. View the full article

Google's AI Mode self-citations tripled in nine months. SE Ranking data shows that more links now lead to organic search results, not business profiles. The post Google AI Mode Cites Itself More Often, With More Organic Links appeared first on Search Engine Journal. View the full article

Google is reaching out directly to advertisers via email, requiring them to confirm whether their campaigns contain EU political ads — with a hard deadline of March 31st. Why we care. This isn’t optional. EU regulation now requires Google to verify political ad status across all active campaigns, and advertisers who don’t act before the deadline could face compliance issues. What’s happening. Google is asking every advertiser to declare whether their existing campaigns include EU political ads. The requirement applies to all current campaigns and must be completed by March 31, 2026. How to comply: Google has outlined three ways to submit the confirmation: Campaign level — Go to Campaign Settings and select “EU political ads” to confirm individual campaigns. Multiple campaigns — Go to the Campaigns tab and use the “EU political ads” option to confirm several at once. Account level — Confirm for all new and existing campaigns in one go. Selecting “No” at account level automatically applies that answer to every campaign, including future ones. You can still override this for individual campaigns at any time. Between the lines. The account-level option is the most efficient route for most advertisers who are confident none of their campaigns fall under the EU political ads definition. Google has made it straightforward to reverse or adjust the selection at any point, so there’s no risk in acting early. The bottom line. Check your inbox — Google is contacting advertisers directly. If you run campaigns targeting EU audiences, log in and complete the confirmation before March 31st to stay compliant. First seen. This update was spotted by Paid Search expert, Arpan Banerjee, who shared the details of the comms on Linkedin. View the full article

A commercial bridge loan is a short-term financing option primarily used in commercial real estate transactions. Typically lasting from a few months to three years, these loans provide quick access to funds, enabling businesses to seize opportunities in competitive markets. Secured by the property involved, they often cover up to 75% of project costs, featuring an interest-only payment structure. Comprehending how these loans work and their specific applications can be essential for making informed financial decisions. Key Takeaways A commercial bridge loan is a short-term financing option for commercial real estate, typically lasting from a few months to three years. These loans provide quick access to funds, allowing businesses to act swiftly in competitive markets and cover immediate capital needs. They are secured by the real estate involved in the transaction, with lenders typically covering up to 75% of the loan-to-cost ratio. Key features include interest-only payment structures and rapid funding, often closing within days compared to traditional financing. While advantageous for quick financing, they come with higher interest rates and fees, creating pressure for borrowers to refinance or sell quickly. Definition of a Commercial Bridge Loan A commercial bridge loan serves as a crucial financial tool for those maneuvering the intricacies of commercial real estate transactions. These loans are short-term financing solutions, typically lasting from a few months to three years, providing quick access to funds when you need them most. Commercial bridge loans are often secured by the real estate involved in the transaction, helping you cover immediate capital needs as you wait for permanent financing or property sales to finalize. Eligibility for these loans often hinges on loan-to-value (LTV) and loan-to-cost (LTC) ratios, with amounts typically reaching up to 75% LTC. Although the interest rates for commercial bridge loans tend to be higher than traditional loans, this reflects the increased risk and urgency associated with short-term financing. You can obtain these loans from various sources, including banks, credit unions, and private lenders, with terms varying based on each lender’s criteria. Key Features of Commercial Bridge Loans Key features of commercial bridge loans make them an appealing option for investors needing quick financial solutions. These short-term financing options typically offer terms ranging from 12 to 24 months, allowing you to access capital swiftly for real estate transactions. Commercial bridge loan lenders usually cover up to 75% of the loan-to-cost (LTC) ratio, enabling you to leverage a significant portion of your project’s total costs. The interest-only payment structure keeps monthly financing costs lower during the loan term, which can be beneficial for cash flow management. Moreover, these loans are often secured by the property itself, requiring collateral to mitigate lender risk. The application process is typically fast, allowing you to close deals in just a few days, which is essential when you need to seize immediate real estate opportunities. How Commercial Bridge Loans Work Comprehending how commercial bridge loans work is vital for anyone looking to secure fast financing for real estate ventures. These short-term loans, typically lasting up to three years, provide quick access to capital for immediate opportunities. They’re secured by collateral—usually the property involved in the transaction—and eligibility hinges on loan-to-value (LTV) and loan-to-cost (LTC) ratios. Repayment terms can vary, but many options include interest-only payments, which help keep costs lower during the loan period. You’ll find commercial bridge loans available from various sources, including traditional Bank of America, private lenders, and online platforms, each offering different rates and terms based on your specific business needs. Significantly, the application and approval process for a commercial bridge loan is often much faster than that of traditional financing, allowing you to act quickly on time-sensitive real estate deals. Uses for Commercial Bridge Loans Commercial bridge loans serve a variety of practical purposes in the real estate sector, making them a valuable tool for businesses looking to seize immediate opportunities. You can use these loans to acquire properties quickly, ensuring you don’t miss out on lucrative deals. They’re particularly useful for financing renovations or major capital improvements, enhancing property value for value-add projects. Moreover, bridge loans for real estate investors provide crucial working capital during shifting periods. You might need them to cover expenses during waiting for permanent financing or resolving issues related to long-term loans. If you’re involved in fix-and-flip projects, these loans can supply the necessary upfront capital for purchasing and renovating properties. In addition, they can temporarily support properties lacking a stabilized tenant base, allowing for much-needed renovations and upgrades to attract tenants. Where to Obtain a Commercial Bridge Loan When you’re looking to obtain a commercial bridge loan, there are several avenues to explore that can meet your financing needs. You can start by approaching traditional banks or credit unions, as they may offer bridge loans, though their terms can be strict and often require excellent credit. Local institutions might provide more flexible terms, but be prepared for rigorous qualification standards. Alternatively, consider direct lenders like Avana Capital or Capital Funding Financial. These bridge lenders typically have more lenient requirements and can tailor loan structures to fit your specific needs. For quicker access to funds, online lenders can facilitate applications, sometimes within 24 hours, but they might come with higher interest rates and limited options. Regardless of your choice, it’s crucial to compare loan terms and rates among different lenders to secure the best financing solution for your commercial real estate project. Advantages of Commercial Bridge Loans If you’re considering a quick financing option for your real estate needs, you’ll find that commercial bridge loans offer several key advantages. First, these loans provide rapid funding, often closing in just days, allowing you to seize immediate opportunities without lengthy negotiations. Bridge finance loans typically feature flexible terms, including interest-only payment options, making financing costs more manageable as you seek permanent solutions. Moreover, these loans can finance up to 75% of the total project cost, giving you significant capital for property acquisitions or renovations. Most bridge loans likewise lack prepayment penalties, enabling you to repay early if you secure long-term financing sooner. The combination of fast execution and adaptable repayment options makes commercial bridge loans particularly beneficial for businesses involved in renovations, repositioning properties, or addressing short-term capital needs. Disadvantages of Commercial Bridge Loans Though commercial bridge loans can provide quick access to capital, they likewise come with several notable disadvantages that borrowers should consider. First, these bridge loans for real estate usually have higher interest rates compared to traditional financing, which can considerably raise your overall borrowing costs. Moreover, you may face monthly payment obligations that can be burdensome, especially if you’re already managing other debts. The short-term nature of these loans, typically lasting 12 to 24 months, creates pressure to refinance or sell your property quickly to avoid default. In addition, fees associated with commercial bridge loans can reach up to 2% of the loan amount, increasing your expenses. Finally, there’s a risk of a balloon payment if you don’t refinance or sell before the loan matures, potentially leading to significant financial strain. Being aware of these disadvantages is essential before pursuing commercial bridge loans. Eligibility Criteria for Bridge Loans To qualify for a commercial bridge loan, borrowers typically need to meet several specific eligibility criteria that lenders use to assess risk. First, a strong credit score, often above 600, is vital, as it indicates your ability to handle the higher interest rates associated with these loans. In addition, bridge loan lenders evaluate loan-to-value (LTV) and loan-to-cost (LTC) ratios, with many allowing financing up to 75% LTC. You must also demonstrate a clear exit strategy for repaying the loan, usually through refinancing or property sales within a short term of 12 to 24 months. Moreover, lenders often require documentation proving the viability of the property being financed, including financial statements, property appraisals, and renovation plans if applicable. Keep in mind that specific requirements may vary based on the type of commercial property involved, such as office buildings or industrial sites, which can influence eligibility and loan terms. Real-World Applications of Commercial Bridge Loans Commercial bridge loans serve a variety of practical purposes for RealEstate.com traversing the real estate environment. By leveraging bridge financing in real estate, you can quickly seize investment opportunities and navigate transitional phases effectively. Here are three common applications: Acquiring Properties: You can use bridge loans to purchase properties before securing long-term financing, allowing you to act fast in competitive markets. Financing Renovations: If you’re looking to upgrade or renovate a commercial property, these loans can cover costs, helping to boost property value and attract tenants during the wait for permanent funding. Covering Operational Costs: During ongoing transactions, bridge loans help maintain cash flow, ensuring your business stays operational and stable. Whether you’re fixing and flipping properties or stabilizing distressed assets, commercial bridge loans provide crucial financial support in various scenarios. Comparing Commercial Bridge Loans With Traditional Financing When comparing commercial bridge loans to traditional financing, you’ll notice key differences in speed and costs. Bridge loans typically offer quicker approval and funding, allowing you to access cash when you need it most, whereas traditional loans can take much longer to process. Nonetheless, the convenience of a bridge loan often comes with higher interest rates and fees, making it crucial to weigh these factors against your financial needs. Speed of Approval Even though traditional financing can take weeks or even months to finalize, commercial bridge loans offer a much faster approval process, often closing within just a few days. This speed is crucial for businesses needing quick access to capital. Here are three reasons why bridge loans excel in speed: Streamlined Application: Bridge Funding requires minimal documentation, simplifying the application process. Immediate Collateral Evaluation: Lenders focus primarily on the value of the collateral, reducing evaluation time. Prioritized Flexibility: Many lenders emphasize speed, enabling rapid funding without lengthy negotiations. With these features, commercial bridge loans provide a timely solution for real estate opportunities, contrasting sharply with the slower pace of traditional financing options. You can seize opportunities quickly when you choose bridge loans. Cost and Fees Comprehending the costs and fees associated with commercial bridge loans is fundamental for making informed financial decisions. Bridge lenders in commercial real estate often charge interest rates ranging from 8% to 12%, considerably higher than traditional financing options that can be as low as 3% to 6%. Moreover, fees may reach up to 2% of the loan amount, which is typically more than what’s found in traditional loans, where origination fees can be lower or negotiable. The short-term nature of bridge loans, lasting 12 to 24 months, requires quick refinancing, unlike traditional loans that offer 15 to 30-year terms. Monthly payments can likewise be higher, especially if structured as interest-only, whereas traditional loans usually provide more manageable payments. Considerations for Businesses Before Applying Before applying for a commercial bridge loan, it’s essential to carefully evaluate your business’s immediate funding needs alongside the associated costs, which can include higher interest rates and fees that might exceed 2% of the loan amount. Here are three key considerations to keep in mind: Return on Investment (ROI): Assess whether the opportunities funded by the bridge financing align with your financial goals and promise a solid ROI. Refinancing Strategy: Since these loans typically have short terms of up to three years, it’s important to have a clear plan for repayment to avoid financial strain. Overall Financial Situation: Consider your existing debt obligations to guarantee you can manage multiple loans without stressing your cash flow. Lastly, comparing different lenders can reveal varying terms and qualification criteria, helping you find the best fit for your business needs. Frequently Asked Questions How Do Commercial Bridge Loans Work? Commercial bridge loans offer short-term financing, typically ranging from six months to three years. They provide quick access to capital for real estate opportunities, often secured by the property itself. You’ll find repayment structures flexible, allowing for interest-only payments during the term. Eligibility depends on loan-to-value and loan-to-cost ratios. As funding can be secured in days, be aware that these loans usually carry higher interest rates and fees than traditional financing options. What Is the Downside of a Bridge Loan? When considering a bridge loan, you should be aware of several downsides. These loans often come with higher interest rates, leading to increased costs. Monthly payments can strain your cash flow, especially if you have other debts. Fees may add up to 2% of the loan amount, further escalating expenses. Moreover, short repayment terms mean you must quickly refinance or sell, or risk facing a balloon payment, which could cause financial distress. What Are the Negatives of a Bridging Loan? When considering a bridging loan, you should be aware of several negatives. Higher interest rates can lead to increased borrowing costs compared to traditional loans. Short repayment terms, typically 12 to 24 months, can create financial strain if you can’t refinance or sell your property quickly. Moreover, large origination fees, sometimes up to 2% of the loan amount, and the risk of negative equity if property values decline can complicate your financial situation. Is Getting a Bridging Loan a Good Idea? Getting a bridging loan can be a strategic choice if you need quick access to capital for real estate opportunities. Nevertheless, you should consider the higher interest rates that may increase your overall borrowing costs. With repayment terms typically between 12 to 24 months, it’s essential to have a solid plan for refinancing or selling the property. Assess your financial stability and repayment capabilities to determine if this option suits your needs. Conclusion In conclusion, a commercial bridge loan offers a flexible and quick financing option for businesses involved in real estate transactions. With its short-term nature and interest-only payments, it can effectively facilitate property acquisitions, renovations, or cash flow management. Nevertheless, comprehending eligibility criteria and potential risks is essential before applying. By considering your specific needs and exploring available options, you can determine if a commercial bridge loan is the right choice for your business strategy. Image via Google Gemini and ArtSmart This article, "What Is a Commercial Bridge Loan and How Does It Work?" was first published on Small Business Trends View the full article

A commercial bridge loan is a short-term financing option primarily used in commercial real estate transactions. Typically lasting from a few months to three years, these loans provide quick access to funds, enabling businesses to seize opportunities in competitive markets. Secured by the property involved, they often cover up to 75% of project costs, featuring an interest-only payment structure. Comprehending how these loans work and their specific applications can be essential for making informed financial decisions. Key Takeaways A commercial bridge loan is a short-term financing option for commercial real estate, typically lasting from a few months to three years. These loans provide quick access to funds, allowing businesses to act swiftly in competitive markets and cover immediate capital needs. They are secured by the real estate involved in the transaction, with lenders typically covering up to 75% of the loan-to-cost ratio. Key features include interest-only payment structures and rapid funding, often closing within days compared to traditional financing. While advantageous for quick financing, they come with higher interest rates and fees, creating pressure for borrowers to refinance or sell quickly. Definition of a Commercial Bridge Loan A commercial bridge loan serves as a crucial financial tool for those maneuvering the intricacies of commercial real estate transactions. These loans are short-term financing solutions, typically lasting from a few months to three years, providing quick access to funds when you need them most. Commercial bridge loans are often secured by the real estate involved in the transaction, helping you cover immediate capital needs as you wait for permanent financing or property sales to finalize. Eligibility for these loans often hinges on loan-to-value (LTV) and loan-to-cost (LTC) ratios, with amounts typically reaching up to 75% LTC. Although the interest rates for commercial bridge loans tend to be higher than traditional loans, this reflects the increased risk and urgency associated with short-term financing. You can obtain these loans from various sources, including banks, credit unions, and private lenders, with terms varying based on each lender’s criteria. Key Features of Commercial Bridge Loans Key features of commercial bridge loans make them an appealing option for investors needing quick financial solutions. These short-term financing options typically offer terms ranging from 12 to 24 months, allowing you to access capital swiftly for real estate transactions. Commercial bridge loan lenders usually cover up to 75% of the loan-to-cost (LTC) ratio, enabling you to leverage a significant portion of your project’s total costs. The interest-only payment structure keeps monthly financing costs lower during the loan term, which can be beneficial for cash flow management. Moreover, these loans are often secured by the property itself, requiring collateral to mitigate lender risk. The application process is typically fast, allowing you to close deals in just a few days, which is essential when you need to seize immediate real estate opportunities. How Commercial Bridge Loans Work Comprehending how commercial bridge loans work is vital for anyone looking to secure fast financing for real estate ventures. These short-term loans, typically lasting up to three years, provide quick access to capital for immediate opportunities. They’re secured by collateral—usually the property involved in the transaction—and eligibility hinges on loan-to-value (LTV) and loan-to-cost (LTC) ratios. Repayment terms can vary, but many options include interest-only payments, which help keep costs lower during the loan period. You’ll find commercial bridge loans available from various sources, including traditional Bank of America, private lenders, and online platforms, each offering different rates and terms based on your specific business needs. Significantly, the application and approval process for a commercial bridge loan is often much faster than that of traditional financing, allowing you to act quickly on time-sensitive real estate deals. Uses for Commercial Bridge Loans Commercial bridge loans serve a variety of practical purposes in the real estate sector, making them a valuable tool for businesses looking to seize immediate opportunities. You can use these loans to acquire properties quickly, ensuring you don’t miss out on lucrative deals. They’re particularly useful for financing renovations or major capital improvements, enhancing property value for value-add projects. Moreover, bridge loans for real estate investors provide crucial working capital during shifting periods. You might need them to cover expenses during waiting for permanent financing or resolving issues related to long-term loans. If you’re involved in fix-and-flip projects, these loans can supply the necessary upfront capital for purchasing and renovating properties. In addition, they can temporarily support properties lacking a stabilized tenant base, allowing for much-needed renovations and upgrades to attract tenants. Where to Obtain a Commercial Bridge Loan When you’re looking to obtain a commercial bridge loan, there are several avenues to explore that can meet your financing needs. You can start by approaching traditional banks or credit unions, as they may offer bridge loans, though their terms can be strict and often require excellent credit. Local institutions might provide more flexible terms, but be prepared for rigorous qualification standards. Alternatively, consider direct lenders like Avana Capital or Capital Funding Financial. These bridge lenders typically have more lenient requirements and can tailor loan structures to fit your specific needs. For quicker access to funds, online lenders can facilitate applications, sometimes within 24 hours, but they might come with higher interest rates and limited options. Regardless of your choice, it’s crucial to compare loan terms and rates among different lenders to secure the best financing solution for your commercial real estate project. Advantages of Commercial Bridge Loans If you’re considering a quick financing option for your real estate needs, you’ll find that commercial bridge loans offer several key advantages. First, these loans provide rapid funding, often closing in just days, allowing you to seize immediate opportunities without lengthy negotiations. Bridge finance loans typically feature flexible terms, including interest-only payment options, making financing costs more manageable as you seek permanent solutions. Moreover, these loans can finance up to 75% of the total project cost, giving you significant capital for property acquisitions or renovations. Most bridge loans likewise lack prepayment penalties, enabling you to repay early if you secure long-term financing sooner. The combination of fast execution and adaptable repayment options makes commercial bridge loans particularly beneficial for businesses involved in renovations, repositioning properties, or addressing short-term capital needs. Disadvantages of Commercial Bridge Loans Though commercial bridge loans can provide quick access to capital, they likewise come with several notable disadvantages that borrowers should consider. First, these bridge loans for real estate usually have higher interest rates compared to traditional financing, which can considerably raise your overall borrowing costs. Moreover, you may face monthly payment obligations that can be burdensome, especially if you’re already managing other debts. The short-term nature of these loans, typically lasting 12 to 24 months, creates pressure to refinance or sell your property quickly to avoid default. In addition, fees associated with commercial bridge loans can reach up to 2% of the loan amount, increasing your expenses. Finally, there’s a risk of a balloon payment if you don’t refinance or sell before the loan matures, potentially leading to significant financial strain. Being aware of these disadvantages is essential before pursuing commercial bridge loans. Eligibility Criteria for Bridge Loans To qualify for a commercial bridge loan, borrowers typically need to meet several specific eligibility criteria that lenders use to assess risk. First, a strong credit score, often above 600, is vital, as it indicates your ability to handle the higher interest rates associated with these loans. In addition, bridge loan lenders evaluate loan-to-value (LTV) and loan-to-cost (LTC) ratios, with many allowing financing up to 75% LTC. You must also demonstrate a clear exit strategy for repaying the loan, usually through refinancing or property sales within a short term of 12 to 24 months. Moreover, lenders often require documentation proving the viability of the property being financed, including financial statements, property appraisals, and renovation plans if applicable. Keep in mind that specific requirements may vary based on the type of commercial property involved, such as office buildings or industrial sites, which can influence eligibility and loan terms. Real-World Applications of Commercial Bridge Loans Commercial bridge loans serve a variety of practical purposes for RealEstate.com traversing the real estate environment. By leveraging bridge financing in real estate, you can quickly seize investment opportunities and navigate transitional phases effectively. Here are three common applications: Acquiring Properties: You can use bridge loans to purchase properties before securing long-term financing, allowing you to act fast in competitive markets. Financing Renovations: If you’re looking to upgrade or renovate a commercial property, these loans can cover costs, helping to boost property value and attract tenants during the wait for permanent funding. Covering Operational Costs: During ongoing transactions, bridge loans help maintain cash flow, ensuring your business stays operational and stable. Whether you’re fixing and flipping properties or stabilizing distressed assets, commercial bridge loans provide crucial financial support in various scenarios. Comparing Commercial Bridge Loans With Traditional Financing When comparing commercial bridge loans to traditional financing, you’ll notice key differences in speed and costs. Bridge loans typically offer quicker approval and funding, allowing you to access cash when you need it most, whereas traditional loans can take much longer to process. Nonetheless, the convenience of a bridge loan often comes with higher interest rates and fees, making it crucial to weigh these factors against your financial needs. Speed of Approval Even though traditional financing can take weeks or even months to finalize, commercial bridge loans offer a much faster approval process, often closing within just a few days. This speed is crucial for businesses needing quick access to capital. Here are three reasons why bridge loans excel in speed: Streamlined Application: Bridge Funding requires minimal documentation, simplifying the application process. Immediate Collateral Evaluation: Lenders focus primarily on the value of the collateral, reducing evaluation time. Prioritized Flexibility: Many lenders emphasize speed, enabling rapid funding without lengthy negotiations. With these features, commercial bridge loans provide a timely solution for real estate opportunities, contrasting sharply with the slower pace of traditional financing options. You can seize opportunities quickly when you choose bridge loans. Cost and Fees Comprehending the costs and fees associated with commercial bridge loans is fundamental for making informed financial decisions. Bridge lenders in commercial real estate often charge interest rates ranging from 8% to 12%, considerably higher than traditional financing options that can be as low as 3% to 6%. Moreover, fees may reach up to 2% of the loan amount, which is typically more than what’s found in traditional loans, where origination fees can be lower or negotiable. The short-term nature of bridge loans, lasting 12 to 24 months, requires quick refinancing, unlike traditional loans that offer 15 to 30-year terms. Monthly payments can likewise be higher, especially if structured as interest-only, whereas traditional loans usually provide more manageable payments. Considerations for Businesses Before Applying Before applying for a commercial bridge loan, it’s essential to carefully evaluate your business’s immediate funding needs alongside the associated costs, which can include higher interest rates and fees that might exceed 2% of the loan amount. Here are three key considerations to keep in mind: Return on Investment (ROI): Assess whether the opportunities funded by the bridge financing align with your financial goals and promise a solid ROI. Refinancing Strategy: Since these loans typically have short terms of up to three years, it’s important to have a clear plan for repayment to avoid financial strain. Overall Financial Situation: Consider your existing debt obligations to guarantee you can manage multiple loans without stressing your cash flow. Lastly, comparing different lenders can reveal varying terms and qualification criteria, helping you find the best fit for your business needs. Frequently Asked Questions How Do Commercial Bridge Loans Work? Commercial bridge loans offer short-term financing, typically ranging from six months to three years. They provide quick access to capital for real estate opportunities, often secured by the property itself. You’ll find repayment structures flexible, allowing for interest-only payments during the term. Eligibility depends on loan-to-value and loan-to-cost ratios. As funding can be secured in days, be aware that these loans usually carry higher interest rates and fees than traditional financing options. What Is the Downside of a Bridge Loan? When considering a bridge loan, you should be aware of several downsides. These loans often come with higher interest rates, leading to increased costs. Monthly payments can strain your cash flow, especially if you have other debts. Fees may add up to 2% of the loan amount, further escalating expenses. Moreover, short repayment terms mean you must quickly refinance or sell, or risk facing a balloon payment, which could cause financial distress. What Are the Negatives of a Bridging Loan? When considering a bridging loan, you should be aware of several negatives. Higher interest rates can lead to increased borrowing costs compared to traditional loans. Short repayment terms, typically 12 to 24 months, can create financial strain if you can’t refinance or sell your property quickly. Moreover, large origination fees, sometimes up to 2% of the loan amount, and the risk of negative equity if property values decline can complicate your financial situation. Is Getting a Bridging Loan a Good Idea? Getting a bridging loan can be a strategic choice if you need quick access to capital for real estate opportunities. Nevertheless, you should consider the higher interest rates that may increase your overall borrowing costs. With repayment terms typically between 12 to 24 months, it’s essential to have a solid plan for refinancing or selling the property. Assess your financial stability and repayment capabilities to determine if this option suits your needs. Conclusion In conclusion, a commercial bridge loan offers a flexible and quick financing option for businesses involved in real estate transactions. With its short-term nature and interest-only payments, it can effectively facilitate property acquisitions, renovations, or cash flow management. Nevertheless, comprehending eligibility criteria and potential risks is essential before applying. By considering your specific needs and exploring available options, you can determine if a commercial bridge loan is the right choice for your business strategy. Image via Google Gemini and ArtSmart This article, "What Is a Commercial Bridge Loan and How Does It Work?" was first published on Small Business Trends View the full article

Kyiv in contact with Washington and Middle East capitals to see how its systems can be replicated to combat Iranian UAVs View the full article

It’s the Friday open thread! The comment section on this post is open for discussion with other readers on any work-related questions that you want to talk about (that includes school). If you want an answer from me, emailing me is still your best bet*, but this is a chance to take your questions to other readers. * If you submitted a question to me recently, please do not repost it here, as it may be in my queue to answer. The post open thread – March 6, 2026 appeared first on Ask a Manager. View the full article

Until a few years ago, schema helped search engines extract basic facts and display visual enhancements like star ratings and sitelinks. However, in the AI-driven search world, schema plays a different and fundamental role for local SEO, helping Google and other AI systems understand who you are, what you do, where you operate, and how confidently your information can be reused. Improving rankings isn’t as relevant. Now, schema helps reduce confusion for Google and reinforces your business as a stable, trustworthy local entity across traditional search, local packs, AI Overviews, rich results, and external AI platforms. Let’s dig into how schema helps local SEO in the AI search world. How Google handles conflicting structured data Google triangulates across multiple data points to understand a business and pull information into a search result: On-page content. Internal linking and site structure. Google Business Profiles. Citations and directories. Reviews and reputation signals. Schema markup. When these signals align, Google’s confidence in your information increases. When they contradict each other, your correct information might not be pulled into search. When structured data contradicts on-page content, Google Business Profile data, citations, or reviews, Google doesn’t attempt to reconcile the difference — it discounts the markup and often ignores the information altogether. For example, consider a law firm that marks up: Operating hours that differ from their GBP. “Free consultation” in their schema, but not on the landing page. Attorneys who are no longer listed on the “Our Team” page. Each of these creates friction, leading to mixed signals for AI systems and search engines. One conflict may be ignored, but multiple conflicts can compound and result in lost search visibility for the whole site. 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 False positives: The silent performance killer False positives occur when schema asserts something that isn’t fully supported by other signals. Common examples include: Marking a business as a medical provider without appropriate credentials. Applying Person schema to non-professionals. Using Product schema for services. False positives are particularly damaging in AI-driven systems. AI models are conservative when confidence is low — if information appears inconsistent or exaggerated, it’s less likely to be reused or cited. Review and rating schema When review markup contradicts visible content, Google doesn’t “average” the signals, it ignores the schema altogether. If you markup “5 stars” but your Google Business Profile shows “4.2 stars,” or if you mark up reviews that aren’t visible on the page, the signal gets confused. Note: Google strictly prohibits marking up third-party reviews, such as those from Yelp, Google Maps, or Avvo, as your own Review schema. You can only markup reviews that are first-party, or collected directly by your site, and clearly visible to the user. For details, refer to Google’s specific guidelines on Self-Serving Reviews. How other AI platforms use schema Google is the most prominent platform, but AI is also integrated into assistants, such as Siri or Alexa, retrieval-based platforms, such as ChatGPT search, and much more. To pull information, they need to determine if: Two references describe the same business. Information is current. A source is authoritative. While external AI platforms do not necessarily parse schema the same way Google does, structured data contributes to clearer entity representation across the web. Importantly, these other systems tend to be less forgiving than Google when data is inconsistent. But if confidence in the entity is low, the business will be excluded from search. Dig deeper: The local SEO gatekeeper: How Google defines your entity Get the newsletter search marketers rely on. See terms. What is the search environment for local businesses now? To understand why schema matters more now than it did five years ago, it’s important to understand how fragmented search has become. Local businesses no longer only surface in a single list of 10 blue links (the SERP). They appear across multiple interfaces, often simultaneously: Traditional organic search results. Local packs and Maps results. Knowledge panels. Rich results and enhanced listings. AI Overviews. Conversational and agent-based AI platforms. Schema doesn’t guarantee visibility on any platform — it helps AI systems decide if your business information is reliable enough to reuse. For example, when Google generates an AI Overview, it synthesizes information from multiple sources. Schema helps ensure Google understands exactly who you are and how your business information connects to your services, locations, and employees, so that your target audience can find you. New SEO metrics for local businesses Site performance is still often measured using metrics like keyword rankings, organic traffic, and conversions. These metrics aren’t wrong, but they are incomplete. Local businesses now need to think about: Visibility in AI Overviews and AI-generated answers. Stability in the local pack over time. Accuracy and persistence in knowledge panels. Correct attribution when AI systems summarize local providers. Reduced volatility during core and local algorithm updates. If a local service business appears more frequently in AI-generated answers for informational and service-related queries, their brand visibility will improve, but they may see organic clicks stagnate or decline. But there’s no need for panic. In reality, what is happening is a shift in how demand is being fulfilled. In these scenarios, schema doesn’t create visibility. What it does is help ensure the business is represented accurately when it’s surfaced. Dig deeper: GEO x local SEO: What it means for the future of discovery Types of schema for local SEO For local service-based businesses, a limited set of schema types is all you need to give your business visibility. Implementing too many types can lead to a bloated, templated markup that introduces contradictions. Let’s look at an example law firm and how they might implement different types of schema. Subtype schema Subtypes help Google and AI systems categorize businesses correctly and align them with the right expectations. A personal injury firm, a corporate law practice, and a family law mediator should not all be described the same way. Effective LegalService schema should clearly answer four questions: Who the firm is. What type of law they practice. Where they operate. How they can be contacted. This markup aligns directly with what users see on the page, what exists in Google Business Profiles, and what appears in legal directories like Avvo or Martindale-Hubbell. Example: LegalService markup { "@context": "https://schema.org", "@type": "LegalService", "@id": "https://www.example-law.com/locations/dallas/#location", "name": "Example Law Group Dallas", "url": "https://www.example-law.com/dallas/", "telephone": "+1-214-555-0100", "priceRange": "$$$", "address": { "@type": "PostalAddress", "streetAddress": "100 Main St, Suite 400", "addressLocality": "Dallas", "addressRegion": "TX", "postalCode": "75201", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 32.7767, "longitude": -96.7970 }, "openingHoursSpecification": [{ "@type": "OpeningHoursSpecification", "dayOfWeek": ["Monday","Tuesday","Wednesday","Thursday","Friday"], "opens": "08:30", "closes": "17:30" }], "sameAs": [ "https://www.facebook.com/examplelawdallas", "https://www.linkedin.com/company/example-law-group", "https://www.avvo.com/attorneys/example-profile" ] } You can view the full list of specific subtypes in the Schema.org LegalService definition. Organization schema Organization schema defines the parent entity behind locations, practitioners, and services. LocalBusiness (or LegalService) defines the physical location. This distinction becomes critical as companies scale, rebrand, or operate across multiple markets. Without a clear Organization layer, Google may treat each location as a standalone entity. That can lead to fragmented knowledge panels, inconsistent brand attribution, and inaccurate AI citations. Example: Graph-based hierarchy { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://www.example-law.com/#org", "name": "Example Law Group", "url": "https://www.example-law.com/", "logo": "https://www.example-law.com/logo.png", "knowsAbout": ["Personal Injury Law", "Medical Malpractice"] }, { "@type": "LegalService", "@id": "https://www.example-law.com/locations/dallas/#location", "name": "Example Law Group Dallas", "parentOrganization": { "@id": "https://www.example-law.com/#org" }, "address": { "@type": "PostalAddress", "streetAddress": "100 Main St, Suite 400", "addressLocality": "Dallas", "addressRegion": "TX", "postalCode": "75201", "addressCountry": "US" } } ] } Dig deeper: Schema and AI Overviews: Does structured data improve visibility? Person schema For legal and professional service businesses, Person schema reinforces expertise and real-world credibility (E-E-A-T). Used incorrectly, it creates false authority signals that Google will ignore. Person schema should only be applied when: The professional has a visible bio on the site Bar admissions and credentials are clearly displayed Their relationship to the firm is real and current This helps Google and AI systems associate legal expertise with the firm rather than just its content. It also reduces the risk of misattribution when AI systems summarize legal advice. Example: Attorney bio markup { "@context": "https://schema.org", "@type": "Person", "@id": "https://www.example-law.com/attorneys/jane-doe/#person", "name": "Jane Doe, Esq.", "jobTitle": "Senior Partner", "worksFor": { "@id": "https://www.example-law.com/#org" }, "affiliation": { "@id": "https://www.example-law.com/locations/dallas/#location" }, "alumniOf": "Harvard Law School", "knowsAbout": ["Tort Law", "Civil Litigation"], "sameAs": [ "https://www.linkedin.com/in/janedoe-law", "https://www.statebar.tx.us/member/janedoe" ] } Service and product schema For law firms, consultants, and agencies, Service schema, particularly the OfferCatalog structure, is more appropriate and accurate than Product. Using OfferCatalog allows you to create a “menu” of services that AI systems can parse to understand the breadth of your expertise. This helps AI systems understand what the business actually offers without overreaching. Example: OfferCatalog for legal services { "@context": "https://schema.org", "@type": "LegalService", "@id": "https://www.example-law.com/locations/dallas/#location", "hasOfferCatalog": { "@type": "OfferCatalog", "name": "Legal Services", "itemListElement": [ { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Personal Injury Consultation", "description": "Free case evaluation for auto accidents and workplace injuries." } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Medical Malpractice Litigation", "description": "Representation for victims of surgical errors and misdiagnosis." } } ] } } FAQPage schema Originally, FAQPage schema helped search engines understand common questions and answers on a page. In an AI-driven search environment, well-written FAQs help define what a business does, what it doesn’t do, and what a user should expect. It helps AI systems as they look for boundaries, clarification, and intent resolution. Example: AI-aligned FAQ schema { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Do I have to pay a retainer for a personal injury case?", "acceptedAnswer": { "@type": "Answer", "text": "No. We operate on a contingency fee basis, meaning you only pay legal fees if we win a settlement or verdict for you." } } ] } In AI Overviews, these answers may be paraphrased or summarized, but schema helps ensure the underlying meaning remains intact. 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 Schema maintenance: Why ‘set it and forget it’ fails Schema is often implemented during a site launch or redesign, only to be ignored afterward. But businesses change constantly. Hours shift, locations open or close, staff turnover occurs, and services evolve. When schema isn’t updated to reflect these changes, inconsistencies are introduced that can erode information signals over time. A sustainable schema strategy involves two steps: Quarterly audit: Set a recurring calendar reminder to audit your schema code against your live site. Check for syntax errors, broken @id references, and deprecated properties. Trigger-based updates: Establish a rule that whenever a “fact” changes in your business (e.g., you update your holiday hours on your Google Business Profile, or a partner leaves the firm), the schema should be updated immediately. Dig deeper: Local SEO sprints: A 90-day plan for service businesses in 2026 Schema is necessary in the AI search world Structured data now acts as a trust signal, helping search engines and AI systems determine whether business information is accurate, consistent, and reliable enough to reuse at scale. Schema that reinforces your correct information supports visibility across traditional search, local results, and AI-driven experiences. Inaccurate or outdated schema can hurt your company’s visibility. View the full article

Even as DIY returns cut into pros' market share. By CPA Trendlines Go PRO for members-only access to more CPA Trendlines Research. View the full article

Even as DIY returns cut into pros' market share. By CPA Trendlines Go PRO for members-only access to more CPA Trendlines Research. View the full article

There aren’t enough hours in the day to be an expert on every issue (even though we’re expected to hold a strong opinion on just about everything). I prefer to stick to topics I’m already familiar with or in the process of learning. But sometimes, especially on X/Twitter, I’ll post color commentary about an issue that’s not in my wheelhouse. It’s a good way for me to keep the bigger picture of human flourishing in sight. Those topics might be childhood independence, economics, mental health, or vehicle size. I’m not singularly focused on vehicle size, but it’s a growing issue among people who already drive badly. The percentage of new vehicle sales/leases for pickup trucks, SUVs, and minivans continues to rise, and so will the debate over vehicle dimensions. It’s not hard to find recent reports and commentary about the trade-offs associated with larger (and heavier) vehicles that are flooding the consumer market. Governors Highway Safety Association study: Larger vehicles like pickup trucks and SUVs are inherently more dangerous to pedestrians. University of Illinois at Springfield study: Kids are eight times more likely to be killed when hit by an SUV or light truck than kids who are struck by passenger cars. Insurance Institute for Highway Safety study: The reduced visibility in the front corners of large vehicles leads to a higher likelihood that those drivers will strike pedestrians and cyclists. Tall trucks and SUVs are 45% deadlier to pedestrians. Social media response: Sounds like Communist propaganda. I’m better dead than red. Asking for trouble I’m the type of person who hates extra layers of rules. I don’t want to control what people drive, but I remember the first time I drove a moving van with zero experience or training. I’d never driven something even remotely that large in an empty parking lot, let alone in mixed traffic or through a gas station. Putting already careless and reckless drivers in large vehicles without any sort of demonstrated skill is asking for trouble. I remember my late teens and early 20s, and I was definitely not thinking about people walking on sidewalks or crossing streets when I was zipping around corners. I was not thinking about families walking through parking lots when I was rushing to pick up a video rental and pizza. Both of my kids are in their 20s, and several of their friends drive SUVs and tall trucks. It’s nerve racking. Whatever their nose shape, pickups, SUVs and vans with a hood height greater than 40 inches are about 45% more likely to cause fatalities in pedestrian crashes than cars and other vehicles with a hood height of 30 inches or less and a sloping profile. —Insurance Institute for Highway Safety The core problem The largest trucks and buses in the world can be driven without incident. Driver behavior is the core problem. I have zero interest in banning trucks, SUVs, etc. My interest is human flourishing, which is why it’s important to talk about vehicle designs that are contributing to preventable injuries and deaths. We’ve got to be able to talk about how vehicle designs now make it much harder to see what’s happening outside the vehicle. Here’s what Ford literature says about their big vehicles: The 2024 F150 is equipped with a pedestrian detection system that uses sensors and cameras to identify pedestrians in the vehicle’s path. If a pedestrian is detected, the system can alert the driver and may even apply automatic emergency braking to help avoid or mitigate a collision. Manufacturers want to sell you a truck so large that it needs a computer to see the people your own eyes can’t. The real question isn’t whether you have the right to drive a big truck. You do. The question is whether we’re honest enough — as drivers, as parents, as neighbors — to acknowledge what the data shows and have difficult conversations about the dangers of large vehicles. Loving freedom and caring about the people around you aren’t in conflict. View the full article

Hello again, and welcome back to Fast Company’s Plugged In. Apple may have perfected splashy product-launch keynote events, but it’s never been wed to them. In terms of sheer quantity of new stuff, this week was about as eventful as it gets. And yet the company chose to dispense its announcements via press release over three days. Monday brought the iPhone 17e and a new iPad Air. Tuesday offered new MacBook Airs and MacBook Pros, plus a couple of displays. In each instance, the advances were incremental: faster chips, beefier specs, and other updates that are welcome, but not exactly memorable. But on Wednesday, Apple concluded its slow-roll product-fest with something genuinely new—a “one more thing” in the tradition of its events of yore. That was the MacBook Neo, the mythical cheap Mac portable that Apple watchers—including me—have been fantasizing about for literally decades. The MacBook Neo’s press release calls its $599 starting price a breakthrough, and it is. Or at least it’s a landmark in the history of cheap Apple stuff. In the past, MacBooks have often dipped below $1,000, but this one will be accessible to Windows users who might never have even considered buying a Mac until now. For schools, the Neo starts at $499, giving Apple a shot at chipping away at the Google Chromebook’s huge market share in education. (Until now, the iPad has borne the brunt of that effort.) Apple’s association with premium experiences at premium prices is so enduring that it’s easy to lose track of the fact that it’s not the whole story. The company has often introduced products whose low price, like the Neo’s, helps define them. But what’s happened once they’re out in the wild has varied quite a bit. The Neo reminds me most of the Mac Mini, the pint-size desktop that Steve Jobs revealed at 2005’s Macworld Expo conference in San Francisco. Initially selling for $499 at a time when the next-cheapest Mac was the now-obscure $799 eMac, the Mini’s minimalism extended to shipping sans accessories. Jobs called it a BYODKM computer—as in “bring your own display, keyboard, and mouse.” Twenty-one years later, it’s safe to say the Mini found its audience. The computer now starts at $599, the same price as the MacBook Neo, and remains an economical BYODKM entry point for Mac computing. But Mini aficionados, who in my experience really love the diminutive machine, aren’t necessarily all that bargain-minded. It can be decked out in configurations costing up to an eye-watering $4,699. The Mac Mini was announced on the same day as the iPod Shuffle, an MP3 player obviously designed to take on the many such devices that cost way less than an iPod. To reach sub-$100 pricing, the gum-pack-like gizmo threw out almost everything that made an iPod an iPod, from the display to the “1,000 songs in your pocket” dream. (The Shuffle could hold only 240 at a time.) It did not scream quality. Still, it worked with iTunes and the iTunes Music Store—at the time, a big whoop that no non-Apple music player could match. In various forms—including a bizarre voice-controlled model—the Shuffle survived until 2017, which was longer than the classic full-size iPod did. Whether the world considers a product to be unusually cheap is, of course, in part a matter of perception. Before Apple unveiled the first iPad in 2009, plenty of outsiders thought it might cost around $1,000—not just to cover Apple’s costs and allow for a profit, but also to discourage it from cannibalizing MacBook sales. That conventional wisdom became so pervasive that I did a spit take in the audience when Jobs revealed the $499 price at the launch event, even though I’d mused that it might cost as little as that the previous July. At first, Apple leaned into the first iPad’s surprisingly reasonable cost as much as its capabilities, calling it “a magical and revolutionary device at an unbelievable price.” Over time, however, cheapness ceased to be core to the iPad brand promise. Today, Apple’s strategy is to offer an iPad for everyone, at prices from $349 to $2,599. As someone whose primary computer is a 13-inch iPad Pro—a tablet that Apple would never have offered for anything like $499—I’m glad it loosened up. Most of Apple’s forays into cheaper-than-you’d-expect technology succeeded well enough to lead to additional generations. All of them involved a delicate balancing act between hitting a price point and building something a critical mass of people want—certainly more so than its pricier products. The mere fact that something is affordable and carries an Apple logo is not enough. Back in 2013, I was pretty excited about the iPhone 5c. Selling for a carrier-subsidized $99—half the price of the iPhone 5s—it came in a variety of colorful shells that then-Apple design chief Jony Ive touted as being “beautifully, unapologetically plastic.” Consumers, it seems, weren’t seduced by the proposition: A year later, there was no iPhone 6c. And Apple has never made another plastic iPhone since—beautiful and unapologetic or otherwise. The MacBook Neo isn’t a MacBook Air at almost half the price. It’s the first MacBook powered by a smartphone-class chip—the iPhone 16 Pro’s A18 Pro chip—rather than one originally designed for a laptop. It does without niceties such as MagSafe and a backlit keyboard, and Touch ID is available only on the $699 version, which also doubles the storage to 512 GB. 512 Pixels’ Stephen Hackett put together a helpful, quite lengthy list of other ways Apple cost-reduced the Neo, such as equipping it with an older version of Wi-Fi. At first blush, Apple appears to have made sensible decisions about what to put in the Neo, and what to leave out. That doesn’t guarantee it’s pulled off an Apple-level experience on a budget. But like any creative person or institution, the company does some of its most interesting work when it’s thinking its way through self-imposed limitations—and I’m glad that the mythical cheap Mac portable, at long last, is more than a myth. You’ve been reading Plugged In, Fast Company’s weekly tech newsletter from me, global technology editor Harry McCracken. If a friend or colleague forwarded this edition to you—or if you’re reading it on fastcompany.com—you can check out previous issues and sign up to get it yourself every Friday morning. I love hearing from you: Ping me at hmccracken@fastcompany.com with your feedback and ideas for future newsletters. I’m also on Bluesky, Mastodon, and Threads, and you can follow Plugged In on Flipboard. More top tech stories from Fast Company Netflix buys Ben Affleck’s AI startup The streamer has acquired InterPositive, a company specializing in AI tools for filmmakers. Read More → How Iran built such a formidable cyberwar machine Even as bombs fall across the Middle East, Iranian-linked hackers are launching digital attacks across the region. Decades of investment made that possible. Read More → The new Galaxy S26 Ultra isn’t much to shout about The company is losing the technological edge it built its reputation upon. Read More → AI is changing how people use AT&T home internet—and helping stabilize the network Customers are sending far more data back into the network as they interact with AI tools. AT&T says it’s using AI of its own to predict outages, model traffic, and keep its service running smoothly. Read More → AI ‘vibe-coded’ war dashboards are flooding social media Developers are vibe-coding tools to track the Iran conflict in real time, though some question whether the dashboards offer insight or just spectacle. Read More → The agent boom is splitting the workforce in twoAgentic AI is creating a divide between builders who shape how work happens and users who must adapt to it. Read More → View the full article

Dream job alert: Wendy’s is looking to hire a “chief tasting officer”—and the role pays $100,000. The fast-food company launched a contest to find the perfect person for the unique job. The new CTO will create content and taste-test Wendy’s food on camera. Wendy’s is known for its humorous approach to marketing and branding. The job ad is no exception. The contest website reads: “Do you hate your job? Are you too iconic to be opening PDFs for your boss? Ever been told you’re a personality hire? Do you care more about bacon than bottom lines? Are you more about JBC than KPI?” Want to try your luck at landing the coveted role? Here’s what you need to know. What the chief tasting officer role entails Wendy’s chief tasting officer will be tasked with creating content and appearing in promotional videos. While not an offer of full-time employment, the role is real. One grand prize winner will have the opportunity to become Wendy’s chief tasting officer. The CTO will be employed by Wendy’s as an independent contractor and will receive a salary equal to $100,000 after meeting the deliverables outlined in the contract, according to the contest rules. Wendy’s jokes that the remote role will only require light travel, “mostly to your local Wendy’s and/or the couch.” As for the required credentials? “A human mouth. A pulse. Opinion. Creativity. Taste.” In terms of the specifics of the role, Wendy’s explains: “Basically, you’ll get paid to eat Wendy’s, be chill, maybe make some content and maybe even star in ads. Whether its quarterly vlog check-ins, taste trending, or whatever, you’ll make cheddar just for liking cheddar.” The job description doesn’t mention how long the role lasts. Fast Company reached out to Wendy’s for more information. We’ll update this story if we receive a reply. Here’s how to enter the contest Wendy’s asks applicants to submit a video showing why they’re a perfect fit for the position. The contest website reads, “It is the chief tasting officer . . . show us some tasting—and some creativity while you’re at it!” Want to become Wendy’s chief tasting officer? Here’s how to enter the contest: Create an up-to-60-second video Post a public video to TikTok or Instagram, or upload your video and complete a registration form at wendyschieftastingofficer.com. Contestant entries will be accepted through March 30, 2026. Applicants are encouraged to use Wendy’s branding, products, and food in their video. Be sure to review the official contest rules, as they outline specific guidelines. A panel of judges will determine 10 finalists. Video entries will be scored based on creativity, brand love, brand safety, personality, and potential. Each finalist will complete an interview, which will be judged based on execution, reach, uniqueness, and willingness. One grand prize winner will be chosen. Battle of the burger In recent days, McDonald’s, Burger King, and Wendy’s have been in a heated burger battle. In early February, McDonald’s CEO Chris Kempczinski shared a video of himself taste-testing the company’s new Big Arch burger. People started noticing the video last week. In the video, he appears to be reluctant to try the burger and repeatedly refers to it as a “product.” Social media users were quick to react, calling the video inauthentic and questioning whether he actually enjoyed the burger. Burger King responded by releasing its own video of company president Tom Curtis trying the Whopper. In the video, Curtis jokes, “Only one thing missing . . . a napkin.” Wendy’s also got in on the fun. The fast-food company took to social media to share a video of company president Pete Suerken tasting a Baconator and a Frosty. In the video, he trolls, alluding to McDonald’s unreliable ice cream machines. “Is this set up today? Oh, wait, our machines are always working!” View the full article