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I’ve heard it too many times to count, “We’ve never done PR before and are getting ready to announce [insert your major milestone of choice]” Too often, businesses wait until they have big news to begin thinking about strategic communications. They’re about to close a funding round, launch a product, or enter a new market. But here’s the thing: If you’re just starting to think about PR now, you’re already behind. After nearly 20 years leading communications for fintech companies and financial institutions, I can confidently say that the organizations that benefit most from major announcements began building visibility long before the moment arrived. WHY COMPANIES START TOO LATE Teams often assume their news will attract attention. That their announcement will prove their credibility. That the story will tell itself with the build it and they will come mentality. That’s seldom how it works. The mistake is assuming trust can be built on the same timeline as attention. These moments reveal whether credibility already exists. Psychologists call this tendency to underestimate how long it takes to build something meaningful the planning fallacy. In business, it shows up in many ways. One example is believing that trust can be established the moment people start paying attention. Think about your own reaction to news. When a company you’ve never heard of announces a major milestone, you might ask “Who is this?” and quickly return to scrolling. But when a company you’ve seen and heard about shares similar news, your reaction is different. That difference is momentum. 5 SIGNS IT’S TIME TO INVEST IN PR So how do you know when it’s time to invest in PR? Here are five signs. 1. You have something to say. One of the clearest signs a company is ready for PR is having a point of view. You need to have something to say and be able to connect it to what you do. That means being able to explain what’s changing, what’s broken, and why your approach matters now. It requires proof points and substance, not just commentary. This matters even more in the age of AI search and discovery. Research from Muck Rack shows generative AI relies heavily on earned media, making media validation essential for modern brand discovery. Your narrative will take shape with or without you. The question is whether you’re actively taking steps to shape it. 2. You know your story and what makes you different. Companies ready for PR can clearly articulate what makes them different, why it matters, and how it connects to their broader goals. Without that clarity, early communications efforts often feel reactive and fragmented. With it, every media interaction reinforces the same story. In a conversation with me, Shahzeb Khan, head of marketing for the Americas at Amdocs, put it this way: “A fundamental question I ask myself is whether our story is differentiated and not just noise, credible and backed by facts and observations, and whether it advances a meaningful perspective in the market and supports a strategic business priority.” 3. Leadership is aligned and willing to commit. PR cannot succeed as a side project. Crucially, it requires leadership participation. Khan noted that leadership alignment can be the catalyst for thought leadership. But that thought leadership must come from somewhere—from executives willing to offer perspective, speak with media, and contribute to industry conversations. Without that participation, momentum stalls before it starts. And it must be a long-term commitment. PR isn’t a one-time campaign. Once you’re ready for it, it becomes an ongoing part of how the company communicates with the market. 4. Your team can support the attention you create. You also need to ask whether your organization is prepared to support the attention PR creates. Do you have a strong website? Clear messaging? A responsive sales team? Supporting content? And can you move quickly when opportunities appear? Kenon Chen, EVP of strategy and growth at Clear Capital, described to me the moment he knew they were ready: “We had a marketing team ready to support and capitalize on successful PR activities. The right team ready to go after a bigger mission is the perfect time to lean into proactive communications.” 5. Your audience encompasses more than just customers. Eventually, growth depends on influencing decision-makers beyond your customer base—analysts, investors, media, partners, and regulators. “After clearly defining our three-year company strategy, we realized that we needed [to have] greater influence on multiple industry stakeholders beyond potential clients to achieve our goals,” said Chen. MOMENTUM DOESN’T WAIT These five signs don’t all appear at once. When most are true, that’s your moment. The mistake is waiting for perfect conditions that never arrive. Momentum builds through consistency, not perfection. The companies whose stories are heard? They invested in communications before they had big news to share.Grace Keith Rodriguez is the CEO at Caliber Corporate Advisers. View the full article

In his news conference Monday, President Donald The President threatened to blow up every bridge and power plant in Iran, action that would be so far-reaching that some experts in military law said it could constitute a war crime. The issue could turn on whether the power plants were legitimate military targets, whether the attacks were proportional compared with what Iran has done and whether civilian casualties were minimized. The President’s threat was so broad it did not seem to account for the harm to civilians, prompting Democrats in Congress, some United Nations officials and scholars in military law to say such strikes would violate international law. The president’s eventual actions often fall short of his all-encompassing rhetoric in the moment, but his warnings about the power plants and bridges were unambiguous both on Sunday and Monday as he set a deadline of Tuesday night for Iran to open the Strait of Hormuz. A spokesman for U.N. Secretary-General Antonio Guterres on Monday warned that attacking such infrastructure is banned under international law. “Even if specific civilian infrastructure were to qualify as a military objective,” Stephane Dujarric said, an attack would still be prohibited if it risks “excessive incidental civilian harm.” Rachel VanLandingham, a Southwestern Law School professor who served as a judge advocate general in the U.S. Air Force, said civilians are likely to die if power is cut to hospitals and water treatment plans. “What The President is saying is, ‘We don’t care about precision, we don’t care about impact on civilians, we’re just going to take out all of Iranian power generating capacity,'” the retired lieutenant colonel said. Shipping in the Strait of Hormuz, a chokepoint in the Persian Gulf through which 20% of the world’s oil normally flows, has been all but halted, sending oil prices soaring and roiling the stock market. The President said Monday that he’s “not at all” concerned about committing war crimes as he continues to threaten destruction. He also warned that every power plant will be “burning, exploding and never to be used again.” “I hope I don’t have to do it,” The President added. When asked for further comment Monday, White House spokeswoman Anna Kelly said “the Iranian people welcome the sound of bombs because it means their oppressors are losing.” “The Iranian regime has committed egregious human rights abuses against its own citizens for 47 years, just murdered tens of thousands of protestors in January, and has indiscriminately targeted civilians across the region in order to cause as much death as possible throughout this conflict,” Kelly wrote in an email. ‘Clearly a threat of unlawful action’ As the conflict has entered its second month, The President has escalated his warnings to bomb Iran’s infrastructure, including Kharg Island, central to Iran’s oil industry, and desalination plans that provide drinking water. In a Truth Social post on March 30, The President warned that the U.S. would obliterate “all of their Electric Generating Plants, Oil Wells and Kharg Island (and possibly all desalinization plants!), which we have purposefully not yet ‘touched.'” On Easter Sunday, The President threatened in an expletive-laden post that Iran will face “Power Plant Day, and Bridge Day, all wrapped up in one,” while adding that “you’ll be living in Hell” unless the strait reopens. “This strikes me as clearly a threat of unlawful action,” said Michael Schmitt, a professor emeritus at the U.S. Naval War College and an international law professor at the University of Reading in Britain. A power facility can be attacked under the laws of armed conflict if it provides electricity to a military base in addition to civilians, Schmitt said. But the strike must not “cause disproportionate harm to the civilian population, and you’ve done everything to minimize that harm.” Harm does not include inconvenience or fear, said Schmitt, who has taught military commanders. But it does mean severe mental suffering, physical injury or illness. Schmitt said military commanders should consider alternatives, such as targeting a substation or transmission lines that feed electricity to a base, before destroying an entire power plant. “If you look at the operation and you’ve got a valid military objective, but it’s going to cause harm to civilians and you go, ‘Whoa, that’s a lot,’ then you should stop,” Schmitt said. “If you hesitate to take the shot, don’t take the shot.” ‘He’s using that leverage’ Republican Sen. Joni Ernst of Iowa said Monday that The President is “absolutely not” threatening a war crime when he said he might bomb civilian infrastructure. The infrastructure is also used by the military, Ernst said, and “it’s an ongoing operation.” “If he needs leverage, he’s using that leverage,” she said while presiding over a brief pro forma session of the Senate. But Democratic Sen. Chris Van Hollen of Maryland, also in the Capitol for the brief session, said it would be a “textbook war crime.” “If you target civilian infrastructure for the purposes the president was talking about, it clearly is a war crime,” Van Hollen said. Dujarric, the U.N. spokesman, said the question of whether attacks on civilian infrastructure would be considered war crimes would have to be decided by a court. However, Katherine Thompson, a senior fellow in defense and foreign policy studies at the Cato Institute, a libertarian think tank, said any accountability would more likely come from Congress. She said thinking otherwise would mean believing that the U.S. would allow its president to be held accountable by foreign entities. “This is the persnickety, inconvenient truth about international law: It only works if sovereign nations are willing to cede their sovereignty to a foreign body for accountability,” she said. But Congress would have to say the president has gone too far. And then both houses would have to take action and with enough support to overcome a presidential veto, a highly unlikely prospect. The President also appears to have broad legal immunity under the Supreme Court’s ruling in the criminal case before his reelection, said VanLandingham. And the president could also grant preemptive pardons to top officials if needed. ‘We’re giving them a gift’ Even if technically justified under the law of war, strikes that bring harm to civilians could backfire for the U.S. long term, VanLandingham said. “There’s a lot of violence that can still be justified as lawful, but lawful can still be awful,” VanLandingham said. “How far did that get us in Iraq? How far did that get us in Afghanistan? How far did that get us in Vietnam?” The President’s rhetoric risks spreading fear among regular Iranians and communicating that the U.S. isn’t worried about their well-being, VanLandingham said. The country’s leaders could use it as propaganda to create and harden opposition, contributing to a longer, tougher war. Associated Press writers Farnoush Amiri and Edith M. Lederer in New York and Mary Clare Jalonick and Seung Min Kim in Washington contributed to this report. —Ben Finley, Lindsay Whitehurst and Gary Fields, Associated Press View the full article

Short positions rise sharply as traders eye economic fallout from Iran warView the full article

Whether you’re doomscrolling on LinkedIn or talking to friends, AI-induced job loss anxiety feels inescapable right now. As companies go full throttle on investing in automation tools, the fear that entire roles can be instantly eliminated feels very real. After the surge in economic activity and tech adoption during the pandemic, tech companies issued mass layoffs after over-expanding. That trend continued in the last few months, with tech giants like Amazon and Oracle laying off thousands of employees. But there have been a few silver linings in the mostly pessimistic discourse around AI and the future of work: A recent surprising bright spot in hiring right now for software engineers. Business Insider reported that companies are hiring more software engineers, with software job listings climbing 30% so far this year. According to tech hiring firm TrueUp—whose data tracks more than 260,000 open roles across 9,000 tech startups and public tech firms—more than 67,000 software engineering job openings. After a stretch of hiring freezes and pervasive layoffs, this might feel like renewed momentum for some, especially since the recent jobs report issued on Friday was more optimistic than expected. “Encouraging to see tech hiring gaining momentum again, especially amid ongoing conversations about AI‑driven job displacement,” one insurance professional commented on LinkedIn. “The data reinforces an important point: while AI is reshaping roles, it’s also creating new opportunities that require human expertise, adaptability, and strategic thinking.” In the same vein, an engineer and AI founder wrote: “It’s getting increasingly cheaper to build custom solutions, which means we might end up with much, much more code that needs to be reviewed and maintained.” Others shared less optimism about the statistic. “The data is real[,] but what the headline does not say is that the jobs driving that number are AI-fueled,” a senior recruiter wrote. “The same quarter that produced this hiring surge also saw 52,050 tech job cuts announced, the worst Q1 since 2023, with AI cited as the leading reason for layoffs across industries.” Another LinkedIn user pointed out that job openings do not equate to jobs filled. “Saying ‘AI isn’t killing jobs’ because software engineering openings are up is like saying the housing market is fine because penthouse listings are booming,” one consultant wrote. Coaching company Challenger, Gray & Christmas reported that the tech sector announced 18,720 job cuts in March, and predicted more layoffs to come. Following a bleak few months and the loss of 133,000 jobs in February, the most recent jobs report showed that the U.S. added 178,000 jobs in March, offering a bit of much-needed motivation. AI has completely jolted entry-level roles and internships meant to help young workers kickstart their careers. The unemployment rate for recent college graduates reached 5.6% in December. Even with the increase in job openings for software engineers across the tech sector, young and eager professionals might not feel the reprieve they’re expecting. As companies look to invest in AI, the talent pool—especially among entry-level applicants—has grown considerably, making these available jobs feel more competitive. More job openings don’t necessarily mean job hunting is going to get easier, especially when the bar for skill is getting higher. View the full article

I've been using Pixel phones every day for several years at this point, so I thought I'd discovered every secret menu and hidden feature these Google handsets have to offer—but it turns out I was wrong. Make Use Of enlightened me about the diagnostic tool built into Google Pixels, hidden away behind the number pad of the phone app. Its official name is the Pixel Repair Diagnostics App, and according to Google, it's built into every Pixel phone and tablet. It gives you a dashboard for testing just about every part of your phone's setup, from Bluetooth connections to camera sensors. The Pixel Repair Diagnostics App. Credit: Lifehacker To get to the diagnostics tool, open up the Phone app on your Pixel, switch to the Keypad screen, then type *#*#7287#*#*. You'll be asked if you have reliable wifi, so press Confirm, and you'll get into the app proper—with the screen brightness ramped right up. You can choose to work through these diagnostic tests individually, run related tests together via the Check Group options, or test everything via the Start Test button that appears at the top. The three-dot menu up in the top-right corner gives you access to results for tests that have already been run. There's a lot to work through here: The Visual group alone includes tests for Physical Damage, Display Defects, Backglass Defects, and Camera Defects. Each test differs in terms of what you need to do—so for Physical Damage it's simply a case of checking around your phone, whereas for WiFi the phone will itself try and get online and see if the connection is stable. Some diagnostics require more interactionSome of these tests require more interaction than others. For Light Sensor for example, you'll be asked to cover your phone's light sensor with your hand (it's usually up at the top of the screen next to the selfie camera) while a reading is taken. For Gyroscope, you need to move your phone in a figure-of-8 pattern. When it comes to Display under Screen, you get shown a series of images—some solid colors, others with writing on them—so you can carefully examine the screen and look for any inconsistencies or defects. It's then up to you to either choose Pass or Fail. Also under the Screen heading there's Touch Panel, a test that tasks you with performing various taps and swipes—one of the actions you have to do is use three fingers to drag some colored balls down the screen. The aim is to make sure every part of the display remains responsive. You'll need to manually confirm certain tests have been passed. Credit: Lifehacker For Microphone under Audio, your phone will play a little jingle and attempt to record it through all of the mics your phone has, at the same time. Each microphone recording is then played back, and it's up to you to confirm that they all worked. The Front Camera and Rear Camera tests under Camera are particularly useful, because they test each individual camera in turn by capturing photos and videos from them—so if your phone has three cameras around the back that are normally used in unison, you can separate and test them all individually. This is a useful tool to turn to whenever you think something might be broken on your phone—and if there's a problem, it will tell you where the problem lies. You can quit the app like any other, with a swipe up from the bottom of the screen (or by pressing the home button, if you're using button navigation). View the full article

Many of today’s PPC tools were designed to be easily accessible to ecommerce. That doesn’t mean lead gen can’t take advantage of them, but it does mean more intentional application is required. Lead gen with AI still requires a creative approach, and many conventional ecommerce tools still apply — but not always in the same way. Here are the priorities that matter most for succeeding with lead gen using AI. Disclosure: I’m a Microsoft employee. While this guidance is platform-agnostic, I’ll reference examples that lean into Microsoft Advertising tooling. The principles apply broadly across platforms. 1. Fix your conversion data first This is the single most important thing you can do as AI becomes more embedded in media buying. Between evolving attribution models, privacy changes, different platform connections, and shifts in how consumers engage with brands, it’s reasonable to ask whether your data is still telling an accurate story. Start by auditing your CRM or lead management system. Make sure the data you pass back to advertising platforms is clean, consistent, and intentional. In most cases, data issues stem from human choices rather than technical failures. Still, there are a few technical checks that matter: Confirm conversions are firing consistently. Regularly review conversion goal diagnostics. Validate that lead status updates and downstream signals are actually flowing back. If AI systems are learning from your data, you want to be confident that the feedback loop reflects reality. Dig deeper: How to make automation work for lead gen PPC 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 2. Make landing pages easy to ingest and easy to understand Lead gen campaigns often have multiple conversion paths, which can be helpful for users. But from an AI perspective, ambiguity is a risk. Your landing pages should make it clear: What action you want the user to take. What happens after action is taken. Which conversions matter most. Redundant or unclear conversion paths can confuse both users and systems. If AI crawlers detect that anticipated outcomes are inconsistent, they may begin to question the accuracy of what your site claims to do. That can limit eligibility for certain placements. Language clarity matters just as much. Avoid jargon, eccentric terminology, or internally focused phrasing when describing your services. Clear, plain language makes it easier for AI systems to understand who you are, what you offer, and how to match creative to the right audience. A practical test: Put your website content into a Performance Max campaign builder and review how the system attempts to position your business. If you agree with the messaging, imagery, and framing, your site is likely easy to understand. If not, that feedback is valuable. You can also paste your site content into AI assistants and ask them to describe your business and services. If the response aligns with reality, you’re in a good place. If it doesn’t, that’s a signal to refine your content. Behavioral analytics tools, like Clarity, can help you understand exactly how humans are engaging with your site and how often AI tools are crawling your site. Dig deeper: AI tools for PPC, AI search, and social campaigns: What’s worth using now 3. Budget across the entire funnel Lead gen has always struggled with long conversion cycles. That challenge doesn’t go away, and in some ways, it becomes more pronounced. AI-driven systems increasingly weigh sentiment, visibility, and contextual signals, not just last-click performance. If all of your budget and reporting focuses on immediate traffic, you may miss meaningful impact higher in the funnel. That means: Budgeting intentionally across awareness, consideration, and conversion. Applying the right metrics at each stage. Looking beyond traffic as the primary success indicator. In many lead gen models, citations, qualified leads, and eventual revenue tell a more accurate story than clicks alone. Dig deeper: Lead gen PPC: How to optimize for conversions and drive results Get the newsletter search marketers rely on. See terms. 4. Clean up your feeds and map data You may not think you have a “feed” in your lead gen setup, but that absence can put you at a disadvantage. Feeds help AI systems understand your business structure, services, and site architecture. Even if you don’t have hundreds of pages, a simple, well-maintained feed in an Excel document can provide valuable context when uploaded to ad platforms. Example of a feed for lead gen Feed hygiene matters. Use clear, specific columns. Follow platform standards for text, images, and categorization. Make sure all relevant categories are represented. On the local side, claim and maintain all map profiles. Ensure information is accurate and consistent. If you use call tracking in map placements, review your labeling carefully. AI systems may pull data from map listings or your website, and mismatches can create attribution confusion, particularly for phone leads. Account for potential AI-driven inflation in reporting, whether you’re looking at map pack data, direct reporting, or site-level performance. Any changes you make should also be reflected correctly in your conversion goals. 5. Pressure-test your creative for clarity Creative assets may be mixed, matched, or shortened using AI. In some cases, you may only get one headline to explain who you are and why someone should contact you. If your value proposition requires three headlines, or a headline plus a description, to make sense, that’s a risk. Review your existing creative and identify assets that stand on their own. You should have at least some options where a single headline clearly communicates: What you do Who you help Why it matters If that clarity isn’t there, AI-driven placements can quickly become confusing. Dig deeper: Why creative, not bidding, is limiting PPC performance The fundamentals that still move the needle Lead gen today doesn’t need to be complicated. Most of the actions that matter today are things strong advertisers already do: clean data, clear messaging, intentional budgeting, and disciplined execution. What changes is how attribution may shift, and how much weight systems place on different signals. The fundamentals still win. The difference is that AI makes weaknesses more visible and strengths more scalable. If you focus on clarity, accuracy, and alignment across your funnel, you give both people and systems the best possible chance to understand your business — and that’s where sustainable performance comes from. View the full article

Five years ago, while working at Apple as a product designer, Mary Ann Rau decided to electrify her house and move away from fossil fuels. She installed solar, a battery, an induction range, and owned an EV. But there was still one big challenge: her HVAC system. “When it came to heat pumps, I was shocked when I got a quote for $40,000 to install heat pumps in my own house,” Rau says. Today, Rau launched a startup that’s tackling the problem of making heat pumps more accessible. Merino Energy, which just came out of stealth, makes heat pumps that each take an hour or less to install and come with a fixed price per unit of $3,800, including installation fees. For a whole home, the system could be half the cost of a typical mini split installation. (For someone who wants to add a unit to a single room, it’s an even bigger difference, coming in at a third of the cost.) Mary Ann RauBrad Hall Rau left Apple in 2023 and first worked at Quilt, another startup designing sleek mini-split heat pumps. There, she learned about the complexity of installation, a major driver of cost. “I learned that that was really the true bottleneck when it comes to heat pump adoption,” she says. Mini split heat pumps—units that are installed in walls in rooms throughout a house, and then connected to a condenser outside—can each take eight hours to install. Skilled technicians have to add refrigerant to long lines between the mini splits and the condenser. Labor for the whole process is expensive. New window heat pumps are faster to install, but aren’t compatible with some windows. (Rau’s cofounder, Brad Hall, previously worked at Gradient, one of the companies pioneering window heat pumps, but couldn’t install the product at his own home.) They saw an opportunity to design a different alternative. Merino’s design eliminates outdoor units and the need for complicated connections. Instead, it uses two vents in the wall, one to pull air in and one for exhaust. Each unit takes around an hour to install, shrinking the overall cost. Because refrigerant is added at the factory and not on site, that also reduces labor. Adding refrigerant at the factory also means there’s little risk of it leaking; small leaks can be a major source of emissions. “One leaky mini split can erase the benefits of transitioning around 50 homes off of fossil fuels,” Rau says. The team worked closely with installers to understand what needed to change. Part of the challenge with existing heat pumps wasn’t just the installation time, but the fact that HVAC companies were spending valuable hours visiting homes to give quotes that homeowners ultimately couldn’t afford. By offering flat rate pricing, homeowners can decide beforehand if they want to move forward. The approach means that Merino can give installers better margins while still saving homeowners money. The team also carefully considered the product design. “It’s designed to blend into your home like a modern artifact,” says Rau, who worked on AirPod design at Apple. The heat pump is quiet as it runs, and relatively sleek at 7.8 inches deep, “so it doesn’t take up too much space visually in the room,” she says. It also integrates with smart home tech like Apple HomeKit and Google Home, as well as wearables like the Oura Ring. “There are clinical studies that show that you can improve sleep quality and sleep efficiency by reducing temperature by several degrees when you’re in REM,” Rau says. “So if you choose to integrate your Oura Ring with our product, then you will get the benefit of automatic temperature control based off of your sleep cycle.” The company is launching first in California, where there’s strong demand for heat pumps. Los Angeles recently passed a rule requiring landlords to keep indoor temperatures below 82 degrees as extreme heat becomes more common. Many apartments in L.A. still lack air conditioning, making the new tech a relatively affordable way to add it permanently. Merino also makes a simplified version for low-income housing and recently installed it in a Bay Area apartment building for formerly homeless residents The state also has an aggressive goal to install six million heat pumps by 2030. “At the current pace of installation, it would take until 2045 for California to hit its goals,” Rau says. “With Merino, we think that we can actually do it in four years, and that’s because we’re doing installation eight times faster.” The startup opened preorders on its website today, and expects to ship the first products in late 2026. View the full article

A small business loan calculator is a practical tool that helps you estimate your monthly loan payments by inputting key factors like loan amount, interest rate, and loan term. It simplifies the process of comprehending your financial commitments and potential costs associated with borrowing. By using this calculator, you can make informed decisions about financing options. But what specific variables should you consider, and how can they impact your overall loan experience? Key Takeaways A small business loan calculator estimates monthly payments based on loan amount, interest rate, and term duration. It helps users understand total interest paid and overall loan cost over time. Users input desired loan amount, interest rate, and term to generate payment estimates. The calculator can also provide amortization schedules, detailing payment breakdowns throughout the loan’s life. It’s essential to verify estimates with lenders, as results are approximations influenced by input accuracy. What Is a Small Business Loan Calculator? A small business loan calculator is an essential online tool that helps you estimate your monthly payments based on significant factors like the loan amount, term, and interest rate or APR. This calculator allows you to input key financial figures, giving you a detailed estimate of monthly payments, total interest paid, and the overall cost of the loan. Many small business loan calculators additionally generate amortization schedules, breaking down how each payment impacts the principal and interest over time. By utilizing this tool, you can assess your borrowing capacity, typically between 10-30% of your annual revenue, considering your income, expenses, and credit score. How Does a Small Business Loan Calculator Work? How does a small business loan calculator provide valuable insights into your financing options? This online tool allows you to input your desired loan amount, interest rate, and loan term. By doing so, you can estimate monthly payments and the total interest paid over the loan’s life. The commercial loan payment calculator can likewise generate an amortization schedule, showing how each payment is split between principal and interest. You can adjust various factors, like loan amount and repayment term, to see how different scenarios affect your monthly payments. Moreover, it considers your annual revenue and expenses, helping you assess your borrowing capacity. Keep in mind, these results are estimates and should be verified with lenders for accuracy. Benefits of Using a Business Loan Calculator Using a small business loan calculator offers numerous benefits that can greatly aid in your financial planning. This tool helps you estimate monthly payments based on the loan amount, term, and APR, giving you a clear comprehension of your financial commitments. You can explore various loan scenarios by adjusting inputs, providing flexibility in your planning. Benefit Description Cost Insights Calculates total interest paid and total payments, revealing long-term costs. Amortization Schedule Some calculators offer a schedule detailing payment distribution over time. Affordability Evaluation Assists in ensuring your monthly cash flow can comfortably cover estimated payments. Key Variables to Input in the Calculator When using a small business loan calculator, you’ll need to input several key variables to get accurate results. Start with the loan amount, which is the total funds you’re looking to borrow, and then select the interest rate that reflects the cost of borrowing. Finally, specify the loan term duration, as this will determine how long you’ll have to repay the loan and influence your monthly payments. Loan Amount Input Determining the loan amount is a significant step in using a small business loan calculator, as this figure represents the total funds you intend to borrow for your business needs. Inputting the correct loan amount directly influences your estimated monthly payment. Typically, higher loan amounts result in higher payments. Most calculators let you input a range of amounts, helping you evaluate different borrowing scenarios and their financial impact. Here’s a quick overview of how loan amounts can affect your calculations: Loan Amount Estimated Monthly Payment Total Interest Paid $5,000 $100 $300 $10,000 $200 $600 $20,000 $400 $1,200 $30,000 $600 $1,800 $50,000 $1,000 $3,000 Understanding the loan amount is essential for evaluating affordability and comparing various small business loan rates. Interest Rate Selection How do you select the right interest rate for your small business loan? When using a commercial loan calculator, you can input the interest rate as either the APR (Annual Percentage Rate) or a simple interest rate, depending on what’s available. If you’re unsure of the interest rate, you can convert factor rates using specific formulas for a more accurate estimate. Remember, the interest rate you choose will greatly affect your monthly payments; lower rates lead to smaller payments and less total interest paid. Furthermore, be mindful of any fees associated with the loan, as these can impact the true cost and should be included in the APR for a thorough calculation. Adjusting the interest rate in the calculator allows you to evaluate different loan scenarios. Loan Term Duration Selecting the right loan term duration is crucial for managing your small business loan effectively, as it directly influences your monthly payment amount and the total interest paid over the life of the loan. Loan terms typically range from a few months to several years. Longer terms can lower your monthly payments, but they often result in higher total interest costs. By using a commercial loan amortization calculator, you can input different loan term durations to see how they affect both your monthly payments and overall interest. Furthermore, some calculators allow you to select various payment frequencies, which can further impact your repayment structure. Comprehending these factors helps you make informed decisions regarding your financing needs. Understanding Monthly Payments and Total Costs When you’re looking to finance your small business, comprehension of monthly payments and total costs is vital for effective budgeting. A business loan repayment calculator helps you estimate monthly payments by factoring in the loan amount, interest rate, and loan term. Monthly payments typically cover principal, interest, and fees, providing a full picture of your obligations. You can additionally view the total interest paid over the loan term, making it easier to compare options. Loan Amount Interest Rate Monthly Payment $10,000 5% $188 $20,000 7% $402 $30,000 6% $580 $40,000 4% $888 $50,000 5% $1,060 Types of Business Loans You Can Calculate Comprehending the various types of business loans available can greatly ease your financing expedition. One option is an SBA loan, which is partially guaranteed by the Small Business Administration, offering lower interest rates and longer repayment terms for eligible borrowers. If you need larger financing, consider conventional loans, though they often come with higher interest rates and require a solid credit history. Equipment financing is another route, allowing you to purchase equipment with the equipment itself as collateral. Lines of credit provide flexible access to funds, letting you borrow only what you need. Finally, commercial real estate loans are customized for purchasing or renovating properties, usually requiring a larger down payment, making the sba loan calculator a useful tool for evaluating these options. How to Use a Business Loan Calculator Effectively Using a business loan calculator can greatly streamline your financing process, as it allows you to gain insights into your potential loan obligations. To use a business loan calculator SBA effectively, start by inputting the loan amount, term in months, and the annual percentage rate (APR). This will help you estimate your monthly payments and total interest paid over the loan’s duration. Experiment with different loan amounts and terms to find the best balance for your budget. If you’re unsure of the APR, leverage the option to convert factor rates into interest rates for accurate calculations. Finally, review the amortization schedule to see how payments break down over time, and remember to factor in additional fees that may impact your overall loan cost. Alternative Financing Options for Small Businesses Finding the right financing option can be a game-changer for your small business, especially if traditional loans aren’t on the table. Here are some alternative financing options to evaluate: Financing Option Description Pros/Cons Business Grants Free funding but hard to obtain because of strict applications. Pros: No repayment; Cons: Competitive. Personal Business Loans Higher interest rates, suitable for newer businesses. Pros: Accessible; Cons: Costly. Business Credit Cards Revolving capital, potential rewards on purchases. Pros: Flexible; Cons: High interest. Invoice Factoring Sell receivables for immediate cash. Pros: Quick cash; Cons: Fees involved. Invoice Financing Use invoices as collateral for loans. Pros: Fast access; Cons: Debt risk. Utilizing a business loan estimator can help you evaluate these options effectively. Common Mistakes to Avoid When Using the Calculator When you’re calculating potential loan costs, it’s crucial to avoid common pitfalls that can lead to inaccurate results. Using a commercial mortgage loan calculator can be helpful, but mistakes can skew your comprehension. Here are three mistakes to watch for: Entering Inaccurate Amounts or Terms: Make sure the loan amounts and terms you input are correct to avoid misleading estimates. Ignoring Additional Fees: Don’t forget to include origination or documentation fees, as these can greatly affect your total APR. Not Adjusting Interest Rates: Always check if the calculator requires you to input an interest rate or APR; overlooking this can distort your results. Resources for Further Assistance After addressing common mistakes with loan calculators, it’s important to know where to turn for further support as you navigate financing options. The Small Business Administration (SBA) website is a valuable resource for exploring funding programs and counseling customized to your needs. Local chambers of commerce can connect you with lenders and provide information on financing options. Moreover, various grant programs might be available locally, though they can be competitive. Online platforms like Lendio and LendingTree offer tools, including a commercial real estate loan calculator, to help you compare different financing options. Finally, consider working with a business loan broker who can leverage their expertise to find the best financing solutions for your situation. Evaluating Your Loan Options When you’re evaluating your loan options, it’s crucial to compare different loan types to find the best fit for your business needs. Comprehending how payment structures work will help you anticipate your monthly obligations, whereas evaluating total loan costs guarantees you grasp the overall financial impact. Comparing Loan Types Choosing the right type of loan for your small business involves careful consideration of various options, as each type has its unique features and implications. Here are three key types to compare: SBA Loans: Often have lower interest rates because of government backing, making them a cost-effective option. Equipment Financing: Provides 100% funding particularly for necessary equipment, helping you acquire assets without upfront costs. Lines of Credit: Offer flexible access to funds, with interest only on the amount you use, which can be beneficial for managing cash flow. Using a business mortgage calculator can help you evaluate the total cost of each option, including interest and fees, ensuring you make an informed decision that aligns with your financial goals. Understanding Payment Structures Grasping the payment structure of your small business loan is crucial, as it directly impacts your budgeting and cash flow management. A small business loan calculator, like a business property loan calculator, helps you estimate monthly payments based on factors such as loan amount, interest rate, and loan term. Comprehending that monthly payments typically include principal, interest, and any applicable fees gives you an all-encompassing view of your loan’s cost. You can likewise calculate the total interest paid over the loan’s life, which helps clarify the overall expense. Generating an amortization schedule shows how each payment affects both principal and interest over time. Don’t forget to explore early repayment options, as they may save you money on total interest if no prepayment penalties apply. Assessing Total Loan Costs How can you accurately assess the total costs associated with a small business loan? Using a commercial building loan calculator can help you break down your financial obligations effectively. Here’s what you should consider: Loan Amount and Term: Enter the total amount you need and the desired repayment period. Annual Percentage Rate (APR): Input the interest rate to see how it impacts your payments. Additional Fees: Don’t forget to factor in origination and documentation fees, as these affect the true cost of borrowing. Tips for Managing Business Loans Managing business loans effectively is crucial for maintaining your financial health, especially as your business grows and evolves. Regularly review your loan payments and cash flow to guarantee you can cover monthly obligations comfortably. Setting up automatic payments can help you avoid late fees, adding unnecessary costs. Prioritize paying down high-interest loans first to minimize total interest paid over time. If interest rates drop or your credit improves, consider refinancing to lower your monthly payments. Furthermore, maintain open communication with your lender, especially during financial hardships, to explore options for payment adjustments or deferments. Using an SBA loan repayment calculator can help you plan and manage your loan obligations efficiently, making certain you stay on track. Frequently Asked Questions How Much Is a $50,000 Business Loan Monthly? For a $50,000 business loan, your monthly payment depends on the loan term and interest rate. For example, at a 15% interest rate over five years, you’d pay about $1,266.76 monthly. If you choose a longer term, your payments may decrease, but the total interest paid will increase considerably. Moreover, keep in mind any origination fees or other charges, as these can raise your total borrowing costs beyond just the interest. How Does Getting a Small Business Loan Work? Getting a small business loan involves several steps. First, you’ll submit a loan application with required documents like tax returns and financial statements. Lenders evaluate your eligibility based on your credit score, revenue, and debt service coverage ratio. If approved, you receive the loan amount and must repay it regularly, either monthly, weekly, or daily. How Much Can I Realistically Get for a Small Business Loan? To determine how much you can realistically get for a small business loan, consider factors like your annual revenue, credit score, and time in operation. Lenders usually lend 10% to 30% of your revenue. A strong credit score improves your chances of better terms. Furthermore, a debt service coverage ratio of 1.25 or higher is often required for approval. Evaluating these elements will give you a clearer picture of your borrowing potential. What Is the Payment on a $1,000,000 Business Loan? If you take out a $1,000,000 business loan at a 5% APR over 10 years, your monthly payment would be about $10,607. This arrangement leads to a total repayment of roughly $1,276,800, including around $276,800 in interest. Opting for a 15-year term lowers your monthly payment to about $7,908, but increases total interest to approximately $480,000. Remember to factor in any fees or early repayment options affecting your overall costs. Conclusion In conclusion, a small business loan calculator is a valuable tool that helps you grasp your potential loan obligations. By entering key variables like loan amount, interest rate, and term length, you can estimate monthly payments and total costs. This insight allows you to evaluate different financing options and make informed decisions. Remember to input accurate data and consider various scenarios, as this will improve your comprehension of your financial commitments and refine your loan management strategy. Image via Google Gemini This article, "What Is a Small Business Loan Calculator and How Does It Work?" was first published on Small Business Trends View the full article

A small business loan calculator is a practical tool that helps you estimate your monthly loan payments by inputting key factors like loan amount, interest rate, and loan term. It simplifies the process of comprehending your financial commitments and potential costs associated with borrowing. By using this calculator, you can make informed decisions about financing options. But what specific variables should you consider, and how can they impact your overall loan experience? Key Takeaways A small business loan calculator estimates monthly payments based on loan amount, interest rate, and term duration. It helps users understand total interest paid and overall loan cost over time. Users input desired loan amount, interest rate, and term to generate payment estimates. The calculator can also provide amortization schedules, detailing payment breakdowns throughout the loan’s life. It’s essential to verify estimates with lenders, as results are approximations influenced by input accuracy. What Is a Small Business Loan Calculator? A small business loan calculator is an essential online tool that helps you estimate your monthly payments based on significant factors like the loan amount, term, and interest rate or APR. This calculator allows you to input key financial figures, giving you a detailed estimate of monthly payments, total interest paid, and the overall cost of the loan. Many small business loan calculators additionally generate amortization schedules, breaking down how each payment impacts the principal and interest over time. By utilizing this tool, you can assess your borrowing capacity, typically between 10-30% of your annual revenue, considering your income, expenses, and credit score. How Does a Small Business Loan Calculator Work? How does a small business loan calculator provide valuable insights into your financing options? This online tool allows you to input your desired loan amount, interest rate, and loan term. By doing so, you can estimate monthly payments and the total interest paid over the loan’s life. The commercial loan payment calculator can likewise generate an amortization schedule, showing how each payment is split between principal and interest. You can adjust various factors, like loan amount and repayment term, to see how different scenarios affect your monthly payments. Moreover, it considers your annual revenue and expenses, helping you assess your borrowing capacity. Keep in mind, these results are estimates and should be verified with lenders for accuracy. Benefits of Using a Business Loan Calculator Using a small business loan calculator offers numerous benefits that can greatly aid in your financial planning. This tool helps you estimate monthly payments based on the loan amount, term, and APR, giving you a clear comprehension of your financial commitments. You can explore various loan scenarios by adjusting inputs, providing flexibility in your planning. Benefit Description Cost Insights Calculates total interest paid and total payments, revealing long-term costs. Amortization Schedule Some calculators offer a schedule detailing payment distribution over time. Affordability Evaluation Assists in ensuring your monthly cash flow can comfortably cover estimated payments. Key Variables to Input in the Calculator When using a small business loan calculator, you’ll need to input several key variables to get accurate results. Start with the loan amount, which is the total funds you’re looking to borrow, and then select the interest rate that reflects the cost of borrowing. Finally, specify the loan term duration, as this will determine how long you’ll have to repay the loan and influence your monthly payments. Loan Amount Input Determining the loan amount is a significant step in using a small business loan calculator, as this figure represents the total funds you intend to borrow for your business needs. Inputting the correct loan amount directly influences your estimated monthly payment. Typically, higher loan amounts result in higher payments. Most calculators let you input a range of amounts, helping you evaluate different borrowing scenarios and their financial impact. Here’s a quick overview of how loan amounts can affect your calculations: Loan Amount Estimated Monthly Payment Total Interest Paid $5,000 $100 $300 $10,000 $200 $600 $20,000 $400 $1,200 $30,000 $600 $1,800 $50,000 $1,000 $3,000 Understanding the loan amount is essential for evaluating affordability and comparing various small business loan rates. Interest Rate Selection How do you select the right interest rate for your small business loan? When using a commercial loan calculator, you can input the interest rate as either the APR (Annual Percentage Rate) or a simple interest rate, depending on what’s available. If you’re unsure of the interest rate, you can convert factor rates using specific formulas for a more accurate estimate. Remember, the interest rate you choose will greatly affect your monthly payments; lower rates lead to smaller payments and less total interest paid. Furthermore, be mindful of any fees associated with the loan, as these can impact the true cost and should be included in the APR for a thorough calculation. Adjusting the interest rate in the calculator allows you to evaluate different loan scenarios. Loan Term Duration Selecting the right loan term duration is crucial for managing your small business loan effectively, as it directly influences your monthly payment amount and the total interest paid over the life of the loan. Loan terms typically range from a few months to several years. Longer terms can lower your monthly payments, but they often result in higher total interest costs. By using a commercial loan amortization calculator, you can input different loan term durations to see how they affect both your monthly payments and overall interest. Furthermore, some calculators allow you to select various payment frequencies, which can further impact your repayment structure. Comprehending these factors helps you make informed decisions regarding your financing needs. Understanding Monthly Payments and Total Costs When you’re looking to finance your small business, comprehension of monthly payments and total costs is vital for effective budgeting. A business loan repayment calculator helps you estimate monthly payments by factoring in the loan amount, interest rate, and loan term. Monthly payments typically cover principal, interest, and fees, providing a full picture of your obligations. You can additionally view the total interest paid over the loan term, making it easier to compare options. Loan Amount Interest Rate Monthly Payment $10,000 5% $188 $20,000 7% $402 $30,000 6% $580 $40,000 4% $888 $50,000 5% $1,060 Types of Business Loans You Can Calculate Comprehending the various types of business loans available can greatly ease your financing expedition. One option is an SBA loan, which is partially guaranteed by the Small Business Administration, offering lower interest rates and longer repayment terms for eligible borrowers. If you need larger financing, consider conventional loans, though they often come with higher interest rates and require a solid credit history. Equipment financing is another route, allowing you to purchase equipment with the equipment itself as collateral. Lines of credit provide flexible access to funds, letting you borrow only what you need. Finally, commercial real estate loans are customized for purchasing or renovating properties, usually requiring a larger down payment, making the sba loan calculator a useful tool for evaluating these options. How to Use a Business Loan Calculator Effectively Using a business loan calculator can greatly streamline your financing process, as it allows you to gain insights into your potential loan obligations. To use a business loan calculator SBA effectively, start by inputting the loan amount, term in months, and the annual percentage rate (APR). This will help you estimate your monthly payments and total interest paid over the loan’s duration. Experiment with different loan amounts and terms to find the best balance for your budget. If you’re unsure of the APR, leverage the option to convert factor rates into interest rates for accurate calculations. Finally, review the amortization schedule to see how payments break down over time, and remember to factor in additional fees that may impact your overall loan cost. Alternative Financing Options for Small Businesses Finding the right financing option can be a game-changer for your small business, especially if traditional loans aren’t on the table. Here are some alternative financing options to evaluate: Financing Option Description Pros/Cons Business Grants Free funding but hard to obtain because of strict applications. Pros: No repayment; Cons: Competitive. Personal Business Loans Higher interest rates, suitable for newer businesses. Pros: Accessible; Cons: Costly. Business Credit Cards Revolving capital, potential rewards on purchases. Pros: Flexible; Cons: High interest. Invoice Factoring Sell receivables for immediate cash. Pros: Quick cash; Cons: Fees involved. Invoice Financing Use invoices as collateral for loans. Pros: Fast access; Cons: Debt risk. Utilizing a business loan estimator can help you evaluate these options effectively. Common Mistakes to Avoid When Using the Calculator When you’re calculating potential loan costs, it’s crucial to avoid common pitfalls that can lead to inaccurate results. Using a commercial mortgage loan calculator can be helpful, but mistakes can skew your comprehension. Here are three mistakes to watch for: Entering Inaccurate Amounts or Terms: Make sure the loan amounts and terms you input are correct to avoid misleading estimates. Ignoring Additional Fees: Don’t forget to include origination or documentation fees, as these can greatly affect your total APR. Not Adjusting Interest Rates: Always check if the calculator requires you to input an interest rate or APR; overlooking this can distort your results. Resources for Further Assistance After addressing common mistakes with loan calculators, it’s important to know where to turn for further support as you navigate financing options. The Small Business Administration (SBA) website is a valuable resource for exploring funding programs and counseling customized to your needs. Local chambers of commerce can connect you with lenders and provide information on financing options. Moreover, various grant programs might be available locally, though they can be competitive. Online platforms like Lendio and LendingTree offer tools, including a commercial real estate loan calculator, to help you compare different financing options. Finally, consider working with a business loan broker who can leverage their expertise to find the best financing solutions for your situation. Evaluating Your Loan Options When you’re evaluating your loan options, it’s crucial to compare different loan types to find the best fit for your business needs. Comprehending how payment structures work will help you anticipate your monthly obligations, whereas evaluating total loan costs guarantees you grasp the overall financial impact. Comparing Loan Types Choosing the right type of loan for your small business involves careful consideration of various options, as each type has its unique features and implications. Here are three key types to compare: SBA Loans: Often have lower interest rates because of government backing, making them a cost-effective option. Equipment Financing: Provides 100% funding particularly for necessary equipment, helping you acquire assets without upfront costs. Lines of Credit: Offer flexible access to funds, with interest only on the amount you use, which can be beneficial for managing cash flow. Using a business mortgage calculator can help you evaluate the total cost of each option, including interest and fees, ensuring you make an informed decision that aligns with your financial goals. Understanding Payment Structures Grasping the payment structure of your small business loan is crucial, as it directly impacts your budgeting and cash flow management. A small business loan calculator, like a business property loan calculator, helps you estimate monthly payments based on factors such as loan amount, interest rate, and loan term. Comprehending that monthly payments typically include principal, interest, and any applicable fees gives you an all-encompassing view of your loan’s cost. You can likewise calculate the total interest paid over the loan’s life, which helps clarify the overall expense. Generating an amortization schedule shows how each payment affects both principal and interest over time. Don’t forget to explore early repayment options, as they may save you money on total interest if no prepayment penalties apply. Assessing Total Loan Costs How can you accurately assess the total costs associated with a small business loan? Using a commercial building loan calculator can help you break down your financial obligations effectively. Here’s what you should consider: Loan Amount and Term: Enter the total amount you need and the desired repayment period. Annual Percentage Rate (APR): Input the interest rate to see how it impacts your payments. Additional Fees: Don’t forget to factor in origination and documentation fees, as these affect the true cost of borrowing. Tips for Managing Business Loans Managing business loans effectively is crucial for maintaining your financial health, especially as your business grows and evolves. Regularly review your loan payments and cash flow to guarantee you can cover monthly obligations comfortably. Setting up automatic payments can help you avoid late fees, adding unnecessary costs. Prioritize paying down high-interest loans first to minimize total interest paid over time. If interest rates drop or your credit improves, consider refinancing to lower your monthly payments. Furthermore, maintain open communication with your lender, especially during financial hardships, to explore options for payment adjustments or deferments. Using an SBA loan repayment calculator can help you plan and manage your loan obligations efficiently, making certain you stay on track. Frequently Asked Questions How Much Is a $50,000 Business Loan Monthly? For a $50,000 business loan, your monthly payment depends on the loan term and interest rate. For example, at a 15% interest rate over five years, you’d pay about $1,266.76 monthly. If you choose a longer term, your payments may decrease, but the total interest paid will increase considerably. Moreover, keep in mind any origination fees or other charges, as these can raise your total borrowing costs beyond just the interest. How Does Getting a Small Business Loan Work? Getting a small business loan involves several steps. First, you’ll submit a loan application with required documents like tax returns and financial statements. Lenders evaluate your eligibility based on your credit score, revenue, and debt service coverage ratio. If approved, you receive the loan amount and must repay it regularly, either monthly, weekly, or daily. How Much Can I Realistically Get for a Small Business Loan? To determine how much you can realistically get for a small business loan, consider factors like your annual revenue, credit score, and time in operation. Lenders usually lend 10% to 30% of your revenue. A strong credit score improves your chances of better terms. Furthermore, a debt service coverage ratio of 1.25 or higher is often required for approval. Evaluating these elements will give you a clearer picture of your borrowing potential. What Is the Payment on a $1,000,000 Business Loan? If you take out a $1,000,000 business loan at a 5% APR over 10 years, your monthly payment would be about $10,607. This arrangement leads to a total repayment of roughly $1,276,800, including around $276,800 in interest. Opting for a 15-year term lowers your monthly payment to about $7,908, but increases total interest to approximately $480,000. Remember to factor in any fees or early repayment options affecting your overall costs. Conclusion In conclusion, a small business loan calculator is a valuable tool that helps you grasp your potential loan obligations. By entering key variables like loan amount, interest rate, and term length, you can estimate monthly payments and total costs. This insight allows you to evaluate different financing options and make informed decisions. Remember to input accurate data and consider various scenarios, as this will improve your comprehension of your financial commitments and refine your loan management strategy. Image via Google Gemini This article, "What Is a Small Business Loan Calculator and How Does It Work?" was first published on Small Business Trends View the full article

New research shows AI Mode is reshaping buying decisions. Learn how to secure visibility, trust, and top placement. The post How Consumers Navigate High-Stakes Purchases In AI Mode appeared first on Search Engine Journal. View the full article

After traveling deeper into space than any other humans, the Artemis II astronauts pointed their moonship toward home Monday night, wrapping up a lunar cruise that revealed views of the far side never beheld by eyes until now. Their flyby of the moon — NASA’s first return since the Apollo era — even included some celestial sightseeing besides yielding rich science. It was a significant step toward landing boot prints near the moon’s south pole in just two years. A total solar eclipse greeted the three Americans and one Canadian as the moon temporarily blocked the sun from their perspective. Mercury, Venus, Mars and Saturn nodded at them from the black void. The landing sites of Apollo 12 and 14 also were visible, poignant reminders of NASA’s first age of exploration more than half a century ago. In an especially riveting retro throwback, Artemis II shattered the distance record set by Apollo 13 in 1970. NASA’s Orion capsule reached a maximum distance of 252,756 miles (406,771 kilometers) from Earth before hanging a U-turn behind the moon, 4,101 miles (6,600 kilometers) farther than Apollo 13. “It is blowing my mind what you can see with the naked eye from the moon right now. It is just unbelievable,” Canadian astronaut Jeremy Hansen radioed. He challenged “this generation and the next to make sure this record is not long-lived.” Artemis II astronauts get an Apollo wake-up message Apollo 13 commander Jim Lovell wished the crew well in a recording made two months before his death last August. Mission Control beamed up his message to commander Reid Wiseman, pilot Victor Glover, Christina Koch and Hansen, before their fly-around began. “Welcome to my old neighborhood,” said Lovell, who also flew on Apollo 8, humanity’s first lunar visit. “It’s a historic day and I know how busy you’ll be, but don’t forget to enjoy the view.” The Artemis II astronauts carried up with them the Apollo 8 silk patch that accompanied Lovell to the moon. “It’s just a real honor to have that on board with us,” Wiseman said. Artemis II is using the same maneuver that Apollo 13 did after its “Houston, we’ve had a problem” oxygen tank explosion wiped out any hope of a moon landing. Known as a free-return lunar trajectory, this no-stopping-to-land route takes advantage of Earth and the moon’s gravity, reducing the need for fuel. It’s a celestial figure-eight that put the astronauts on course for home once they emerged from behind the moon Monday evening. Astronauts lock in on lunar observations Artemis II’s lunar fly-around and intense observation period lasted seven hours, by far the highlight of the nearly 10-day test flight that will end with a splashdown in the Pacific on Friday. Venturing as close as 4,067 miles (6,545 kilometers) to the gray dusty surface, the astronauts zipped through a list of more than two dozen targets, using powerful Nikon cameras as well as their iPhones to zoom in on impact craters and other intriguing lunar features. Before getting started, they requested permission to name two bright, freshly carved craters. They suggested Integrity, the name of their capsule, and Carroll, commander Wiseman’s wife, who died of cancer in 2020. Wiseman wept as Hansen put in the request to Mission Control, and all four astronauts embraced in tears. “Such a majestic view out here,” Wiseman radioed once he regained his composure and started picture-taking. The astronauts called down that they managed to capture the moon and Earth in the same shot, and they provided a running commentary to scientists back in Houston on what they were seeing. At one point, Koch reported an overwhelming sensation of emotion for a second or two while zooming in on the moon. “Something just drew me in suddenly to the lunar landscape and it became real,” she said. The Artemis II astronauts made their closest approach to the moon and reached their maximum distance from Earth while they were out of contact. Their speed at closest approach: 3,139 mph (5,052 kph). The spacecraft accelerated as it appeared from behind the moon and the planned communications blackout and made tracks for Earth. An Earthrise came into view showing Asia, Africa and Oceania as Mission Control called out: “We are Earthbound and ready to bring you home.” Flight controllers in Houston flipped their mission patches over to signify the return leg. President Donald The President phoned the astronauts following the flyby, calling them “modern-day pioneers.” “Today you’ve made history and made all America really proud, incredibly proud,” the president said, adding that more lunar traveling is coming and ultimately “the whole big trip to Mars.” Wiseman and his crew spent years studying lunar geography to prepare for the big event, adding solar eclipses to their repertoire during the past few weeks. By launching last Wednesday, they ensured themselves of a total solar eclipse from their vantage point behind the moon, courtesy of the cosmos. Topping their science target list: Orientale Basin, a sprawling impact basin with three concentric rings, the outermost of which stretches nearly 600 miles (950 kilometers) across. Their moon mentor, NASA geologist Kelsey Young, expects thousands of pictures. Artemis II is NASA’s first astronaut moonshot since Apollo 17 in 1972. It sets the stage for next year’s Artemis III, which will see another Orion crew practice docking with lunar landers in orbit around Earth. The culminating moon landing by two astronauts near the moon’s south pole will follow on Artemis IV in 2028. While Artemis II may be taking Apollo 13’s path, it’s most reminiscent of Apollo 8 and humanity’s first lunar visitors who orbited the moon on Christmas Eve 1968 and read from the Book of Genesis. Glover said flying to the moon during Christianity’s Holy Week brought home for him “the beauty of creation.” Earth is an oasis amid “a whole bunch of nothing, this thing we call the universe” where humanity exists as one, he observed over the weekend. “This is an opportunity for us to remember where we are, who we are, and that we are the same thing and that we’ve got to get through this together,” Glover said, clasping hands with his crewmates. The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education and the Robert Wood Johnson Foundation. The AP is solely responsible for all content. —Marcia Dunn, AP Aerospace Writer View the full article

The workplace has seen its share of technological shifts, but the rise of AI is happening at a much faster pace. What once took years is now unfolding in months, leaving little time for companies or their employees to catch up. A new global study of 2,400 employees and C-suite leaders conducted by Workplace Intelligence and enterprise AI agent platform WRITER finds that 60% of companies plan to lay off employees who won’t adopt AI. Even more striking, 77% of executives say those who resist AI won’t be considered for promotions or leadership roles. AI isn’t just another tool. It’s quickly becoming a baseline expectation for staying relevant at work. This shift is already reshaping how companies evaluate talent. According to the research, 92% of executives say they are actively cultivating a new class of “AI elite” employees, and 87% report that these employees are at least five times more productive than their peers. That productivity gap is creating a two-tier workforce: those who know how to leverage AI to amplify their output, and those who don’t. The implications for career growth are profound. The most valuable employees are no longer just high performers, but those who can combine domain expertise with AI fluency to move faster and scale their impact. Companies aren’t just talking about this shift—they’re enforcing it. At Accenture, senior staff who fail to use AI tools risk missing out on promotions, signaling that AI proficiency is becoming a prerequisite for advancement. Meanwhile, tech giants like Meta are embedding AI usage into daily workflows and performance expectations. Some organizations are also using incentives to accelerate behavior change. KPMG, for instance, has offered financial rewards to employees who develop innovative AI use cases, reinforcing that those who embrace the technology will be recognized. Yet for all the momentum, the reality inside organizations is far more complicated. While 97% of executives say AI has been beneficial, only a minority report seeing significant returns from generative AI (29%) or AI agents (23%). Nearly half of leaders say their AI adoption efforts have been a disappointment so far. This gap between expectation and outcome is fueling pressure at the highest levels. In fact, 38% of CEOs report a high or crippling amount of stress related to AI strategy, and 64% fear they could lose their job if they fail to lead their organizations through the transition. Part of the challenge is that many companies are building the plane while flying it. Despite widespread investment, 39% of executives admit they don’t have a formal strategy in place to drive revenue from AI, and 75% say their existing strategy is more for show than for actual guidance. The result is confusion and fragmentation. More than half of executives say AI adoption is creating internal power struggles, while 78% report tension between IT and other business units. In many organizations, AI usage has become fragmented, with employees experimenting in silos rather than working toward a unified vision. That lack of alignment is also contributing to resistance from employees. The study found that 29% of workers admit to sabotaging their company’s AI strategy, whether by using unauthorized tools, inputting sensitive data into public systems, or refusing to engage. Among Gen Z employees, that number jumps to 44%. For leaders, this behavior represents a real risk. More than three-quarters of executives say employee resistance and misuse of AI poses a serious threat to their organization’s future, especially as 67% report experiencing a data leak or security breach tied to AI usage. Despite these challenges, some organizations are getting it right by treating AI adoption as a business transformation rather than a technology rollout. Marriott International, for example, has focused on aligning AI initiatives with measurable business outcomes, ensuring that investments are tied to growth and operational improvements rather than experimentation alone. The most successful approaches share a few common elements. They empower employees to experiment with AI tools while providing clear guardrails, reducing the risk of security issues. They invest in building AI fluency across the organization so more employees can contribute effectively. They establish governance frameworks for AI systems to ensure innovation doesn’t outpace oversight. And they approach change management as both a top-down and bottom-up effort, recognizing that adoption requires executive alignment and employee buy-in. The message for workers is becoming clear: adapting to AI is no longer a future concern—it’s a present-day requirement. As roles, responsibilities, and performance metrics evolve, employees who fail to integrate AI into their workflows risk falling behind in both productivity and relevance. Those who embrace it, however, have an opportunity to redefine their value and accelerate their careers. For leaders, the stakes are just as high. The organizations that succeed won’t be the ones that simply deploy AI tools, but the ones that rethink how work gets done. That means closing the gap between ambition and execution, turning experimentation into impact, and ensuring that the workforce evolves alongside the technology. Because in the emerging AI economy, the real competitive advantage isn’t just having access to AI, but knowing how to use it. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Bose’s QuietComfort Ultra headphones have been easy to recommend since their late 2023 launch, but the price held them back. That changes with this open-box deal. Right now, the Bose QuietComfort Ultra Headphones in sandstone are down to $242.49 on Woot, compared to about $329 for a new pair on Amazon. Price trackers show earlier dips closer to $279, so this undercuts previous lows. The catch is the “open box” label—these units may have been returned, tested, or repackaged (but they’re cleared to work like new). Shipping is free for Prime members, while others pay $6. The deal is expected to last six days or until stock runs out. Bose QuietComfort Ultra Headphones $242.49 at Woot $429.00 Save $186.51 Get Deal Get Deal $242.49 at Woot $429.00 Save $186.51 Bose has long focused on cutting down low-frequency noise, and these headphones do a good job muting things like traffic, airplane hum, or AC rumble. Mid-range noise gets reduced well, too, though sharper, high-pitched sounds can still come through, notes this PCMag review. That’s normal for ANC, but it’s worth noting if you expect total silence. Compared to older rivals like the Apple AirPods Max and the Sony WH-1000XM5, Bose still holds its ground. Newer models like Sony’s XM6 push ahead, but they also cost more. Outside of ANC, the transparency mode works reliably for letting in voices and street sounds, and the Bose app gives you a clean, easy EQ to tweak audio to your liking. As for its battery life, it's solid but not class-leading. You’ll get around 24 hours on a full charge, or closer to 18 hours with ANC turned on. That’s enough for long flights or a few days of regular use, though some competitors stretch further. Comfort remains a strong point, with a lightweight design that works well for long listening sessions. The main tradeoff here is the open-box condition. If you’re fine with that, this price makes the QuietComfort Ultra far easier to justify. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $224.00 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.99 (List Price $349.00) Samsung Galaxy Tab A11+ 128GB Wi-Fi 11" Tablet (Gray) — $209.99 (List Price $249.99) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $329.00 (List Price $399.00) Sony WH-1000XM5 — $248.00 (List Price $399.99) Deals are selected by our commerce team View the full article

For most people, “Mad Men” means the TV show. But the phrase points to something more specific: Madison Avenue in the 1950s and ‘60s, when agencies grew brands through persuasion, positioning, and earned trust in a world of scarce media channels and powerful gatekeepers. If you wanted attention, you bought your way in, then made your product the obvious choice. When the internet arrived and Google made the chaos navigable, an entire industry was built on getting brands found. Search and SEO became one of the most commercially valuable disciplines in marketing. That model isn’t disappearing. But something new is taking shape on top of it — and most of the industry is still using the wrong language to describe what’s happening. AI is exposing everything SEO has neglected. Brands that win recommendations from AI systems won’t do so by publishing more content. They’ll win through positioning, persuasion, and corroborated proof. In other words, they’ll win the way Madison Avenue always did. SEO was never really about content One of the strangest things about the current industry conversation is how many people talk as if the job of SEO is to create content. It isn’t. Not for most businesses. If you’re a publisher, content is the product. Traffic is the commercial engine. But for most brands, content never did what people thought. Early on, people wrote content for customers, and it worked. Then it changed. Content became a keyword vehicle. “Get people to our site” replaced good marketing comms. Traffic became a proxy for exposure. It worked because search rewarded retrieval: type a query, get a page, get a click. All you needed to sell that model was the belief that any traffic was good traffic. That traffic somehow led to revenue that your agency could keep delivering. That model is now under serious pressure. Google and ChatGPT are increasingly taking the click. Every serious large language model is trying to satisfy informational intent before the user reaches the source. They aren’t trying to be better search engines. They’re trying to make search engines unnecessary — and that’s the entire point. There’s too much information on the web. People don’t want to open 10 tabs and read five near-identical blog posts to find a basic answer. They want the answer. The AI systems exist precisely to give it to them. So if informational retrieval gets absorbed into the interface, what remains? Marketing. That’s the part many SEOs are still not fully grappling with. Dig deeper: The three AI research modes redefining search – and why brand wins 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 From place to preference The cleanest way to understand this shift is through the “4 Ps” of marketing: product, price, place, and promotion. Traditional SEO has been, almost entirely, a place discipline. It’s been about getting your products, services, or information onto the digital shelf when people go looking. Keyword rankings are shelf position. Paid search is just a more expensive version of the same principle. In commercial search, you pay for premium placement in a digital aisle. That still matters enormously. Buyer-intent search remains valuable. Google hasn’t solved its commercial transition to a fully AI-led interface, and won’t overnight. Search is too important to Google’s revenue to disappear fast. But another layer is emerging above it, and this is the layer that most agencies aren’t yet equipped to compete on. As AI systems become the first interaction point for more users, the game shifts from being present to being preferred. Users don’t just search. They ask. They describe a problem. They want the best CRM for a mid-market SaaS company, the best estate agent in their area, the best sandwich shop near the office. And the system responds with recommendations. If classic SEO was about rankings, the next phase is about recommendations. If classic SEO was about digital placement, the next phase is about shaping preference. And recommendation, in practice, is advertising. Not a display banner. Not a 30-second TV spot. But advertising in the oldest and most commercially powerful sense: influencing the choice someone makes before they’ve even consciously made it. An AI-generated recommendation is an invisible ad unit. It doesn’t bill by impression. Why AI recommendations hit differently When an LLM recommends a brand, it can’t know with certainty what will work best. So it infers. It weighs signals: past success, prominence, reviews, case studies, corroborating sources, and repeated associations between a brand and a specific type of problem. Humans do something almost identical. Where performance is clearly bounded, we can identify a winner. We know who won the Oscar. We know which film topped the box office. But when performance isn’t obvious in advance, we rely on proxies. We ask friends, read reviews, and scan for authority. We use familiarity, logic, and social proof to estimate what is likely to be right. That’s exactly the territory AI recommendation is now entering — the consideration set problem. If I ask an LLM to find me a reliable accountant for a small business, I’m not asking it to retrieve a blog post. I’m asking it to build me a shortlist. Unlike traditional search, the recommendation layer is invisible to brands unless they test for it actively. You don’t see the prompt or the source chain. You don’t even know why one brand made the cut and another didn’t. But the commercial effect is real, possibly stronger than anything traditional search produced. If you’re in the recommendation set, you’re in the running. If you’re absent, you’ve lost the sale before the conversation started. Dig deeper: Rand Fishkin proved AI recommendations are inconsistent – here’s why and how to fix it Get the newsletter search marketers rely on. See terms. Your website is now an argument for preference The first practical consequence: your website can no longer function like a polite digital brochure. Despite being optimized for search, many commercial web pages simply: Introduce the company. Gesture vaguely at services. Bury differentiation under generic corporate language. Treat the page as an endpoint for a ranking rather than a persuasive asset. Still, they’re weak where it matters most: actual selling. In the Mad Men era of SEO, your landing pages and service pages need to function like sales pages, not in a cheesy direct-response way, but in the strategic sense that they must clearly answer four things: Who is this for? What problem does it solve? Why is it different? Why choose it over the alternatives? This comes down to positioning, which is key to GEO. If seven brands do broadly the same thing, the model needs distinctions. It needs enough clarity to say: this brand is best for X kind of buyer with Y kind of problem because it does Z better than everyone else. Your website copy must surface real performance attributes: the specific things you genuinely do better or more distinctively than competitors. Your pages must become machine-readable arguments for preference. Copywriting is back Actual commercial copywriting — not fluffy brand storytelling or word count for its own sake — identifies a target customer, sharpens the problem, articulates the value, and makes the offer easy to recommend. Good copy isn’t optional. Take a local sandwich shop. The old SEO conversation runs to “best sandwich near me,” local pack, and review acquisition. It’s useful, but limited. The GEO version starts with the shop’s actual performance attributes. Is it the speed? The handmade bread? The office catering? The locally sourced produce? Those claims must be clear on the website first. Then they need corroboration everywhere else: Reviews that mention the sourdough specifically. A local food blogger’s write-up. Inclusion in “best lunch spots” roundups. They’re specific, repeated, retrievable evidence of why this shop is the right recommendation for a particular type of customer. Scale that logic to a B2B software company, and the principle holds. Pages that clearly explain who the product is for, which problems it solves, and why it outperforms rivals. Then build mentions, customer reviews, and gain trade-press coverage — the body of evidence to support recommending you to buyers — and let the AI find it. That’s pretty much GEO in a nutshell. Keywords don’t disappear, but they lose their throne Keywords are a human workaround. Approximations of intent, built for a retrieval system that needed exact string matching. LLMs process fuller context, layered needs, and comparative requirements. They move from keyword matching toward problem understanding. Keyword research still matters for classic search, paid search, and buyer-intent pages. But the center of gravity shifts. Instead of asking only “what terms should we rank for?”, the better question is: what attributes make us the right recommendation for the buyer we actually want, and what evidence exists across the web to support that claim? The future of SEO is starting to look like the old agency model, as the work is increasingly promotional. Once your website clearly expresses your positioning, the challenge becomes promoting that position across the wider web through credible, repeated, relevant signals. Digital PR. Traditional PR. Expert commentary. Case studies. Reviews. Listicles. Awards. Trade press. Brand mentions. Conference speaking. Events. Creator coverage. Product comparisons. Original data studies that other people actually cite. These are the things you go after, create, and encourage. Sadly, many “AI visibility” conversations flatten this into nonsense. The goal isn’t merely to have content cited by AI. It’s to gather enough market evidence that AI systems repeatedly encounter your brand in the right contexts, with the right associations. The work stops being optimization and becomes maximization: building the largest possible volume of persuasive, corroborated, retrievable evidence that your brand is a sensible recommendation for a specific kind of buyer. That’s a fundamentally different model from anything the SEO industry has been selling. It’s promotional and strategic brand marketing. Dig deeper: How to design content that AI systems prefer and promote Where SEO still fits SEOs need to grow up. There’s still significant value in buyer-intent search, technical site architecture, entity clarity, internal linking, and structured data. SEOs are well placed to monitor recommendation environments, test prompts, and identify where visibility is being won or lost. But the identity crisis is real. Many agencies were built for a world of rankings, informational blogs, and monthly traffic graphs. They aren’t equipped to lead a world defined by positioning, copy, PR, brand evidence, and recommendation science. Tracking brand citations inside AI outputs isn’t a complete strategy. It’s a temporary metric. 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 The new agency model Winning agencies look like hybrid commercial strategy firms: part SEO, part copywriting, part PR, part brand strategy, part technical infrastructure. They know how to protect buyer-intent search revenue today while building the fame, clarity, and corroborated authority that earns recommendation tomorrow. This is the Mad Men model of SEO. Persuasion, positioning, and clear claims backed by public proof matter again. And the job is to become recommended by AI. View the full article

AI is transforming companies everywhere. While some research has shown that women are falling behind in terms of AI adoption, at the leadership level women are highly involved in guiding AI strategy. According to new research from Chief, a network for senior women leaders, in partnership with The Harris Poll, women leaders are playing a key role in carefully building AI frameworks. The research, which polled 1,768 male, female, and nonbinary leaders, found that, overwhelmingly, women are driving AI strategy with 80% playing active roles in how it’s being implemented into workflows. Nearly a third (31%) said they were involved in AI governance, ethics, and responsible implementation. Another 25% said they design how humans and AI will work together in the organization, and 24% said they create and build AI solutions. Still, while women seem to be ahead of the game in shaping AI strategy, they are prioritizing responsible and intentional adoption over speed. According to the study, 83% of women agreed with the statement: “Being cautious about AI adoption is a sign of good leadership, not resistance to technology.” Still, the vast majority (68%) said that their organization prioritizes “speed over sustainable workforce implementation.” There’s a good reason for proceeding with caution: 62% of women respondents said their organization doesn’t fully understand “what AI can and can’t do.” Three-quarters said they expect critical thinking to decline if implementation doesn’t happen carefully and 81% said “capable managers” will become a thing of the past if companies don’t invest in their human workforce now. Similarly, a staggering 87% said they’ve already witnessed the fallout of companies focusing too heavily on an “AI only” approach that left employees underutilized. Alison Moore, CEO of Chief, said that doesn’t mean women are “slowing down” when it comes to AI’s implementation. They’re simply “making sure the humans keeping pace with it don’t get left behind in the process.” In other words, while some are ready to go all in on AI, women are leaning into their own critical thinking around AI implementation, so that critical thinking doesn’t disappear. This approach offers hope for the future during a time when AI is responsible for 25% of job cuts, except women are still only 29% of the C-suite. View the full article

Universal Music Group saw its shares (AMS: UMG) rise more than 11% on Tuesday, following a proposal from billionaire Bill Ackman to buy the music giant through his investment firm Pershing Square Capital Management. Pershing Square currently owns a 10% stake in Amsterdam-listed UMG. Despite today’s bump, the stock is down about 15% year to date. UMG has an extensive music catalogue and is home to major recording artists such as Taylor Swift, Bob Dylan, and Bad Bunny. What would the deal mean for UMG? If approved, the deal would offer shareholders €9.4 billion ($10.9 billion) in cash and 0.77 shares in “new UMG” for each share of UMG they currently own. Overall, this would equal out to €30.40 ($35.11) per share, a 78% premium compared to the closing price on April 2. If all goes well, shares could reach a 92% premium from that date by the end of 2026. Ackman details all of this in a letter to UMG’s board members, on which he sat until last year. The proposal would turn UMG into a Nevada corporation and list it on the New York Stock Exchange (NYSE)—something Ackman has pushed for since UMG’s 2021 IPO in the Netherlands. “While business performance has been strong, UMG’s share price has languished. Since the public listing in September 2021, revenues and Adjusted EBITDA have grown 60% and 70% respectively, while UMG’s share price has declined 23% from its €25.10 closing price on the first day of its Euronext listing.” How has UMG responded? So far, the company has not publicly responded to the deal. Fast Company has reached out to UMG for comment and will update this post if we hear back. In his letter, Ackman details a number of reasons he attributes to UMG shares’ “underperformance,” including postponing a listing on a U.S. stock exchange. He further points to “uncertainty” around Bolloré Group’s 18% stake in UMG, the lack of a “publicly disclosed capital allocation plan,” and “suboptimal” communication and engagement with shareholders. Plus, Ackman would like to see UMG sell its €2.7 billion ($3.1 billion) stake in Spotify. Ackman continued: “Notably, none of the above issues relate to the company’s execution of its music business, and importantly, all of the above issues can be addressed in a merger transaction.” Stipulations for the deal include a new contract and compensation agreement for CEO Lucian Grange, and a shakeup of the board. The latter would include making Michael Ovitz, cofounder of the Creative Artists Agency (CAA), the chair, and adding two additional Pershing Square members. This story is developing… View the full article

Something I live by in my role: departmental success means nothing unless the entire company is making progress toward its goals. That thinking changes everything about how I approach my job—from the metrics I care about to the conversations I have with the CEO and leadership team. I’ve moved beyond operating within the confines of a title or a narrowly defined scope. The lines between departments should be artificial, and what truly matters is taking ownership of the company’s success. Historically, the chief marketing officer (CMO) position was often confined to brand management, campaigns, and lead generation. Critical drivers like revenue, customer retention, and renewals were the responsibility of other departments. In my role, I am responsible for aspects of the entire customer journey, from initial awareness to purchase, adoption, expansion, and renewal. This evolution—from thinking in terms of departments to embracing company-wide accountability—is exactly where leadership needs to be. The most effective leaders don’t operate in silos, they take responsibility for outcomes across the entire customer journey and the entire organization. DO YOU THINK LIKE A CEO? The evolving business environment—driven by shifting customer expectations, rapid market changes, and advances in AI—demands leaders who can connect insights across functions and anticipate customer needs. Even if becoming a CEO isn’t your ultimate goal, adopting that mindset will drive you to reach even greater heights. If you aspire to become CEO, the conventional route to that role is evolving. Today, executives who possess deep customer insight, demonstrate strategic vision, and excel at rallying cross-functional teams around a shared purpose are more valuable than ever at the highest levels of leadership. By embodying these qualities, you position yourself much closer to top leadership than you may realize. For instance, the CMO-to-CEO path used to feel like a long shot in most industries. The typical route ran through finance or operations. But consider what is happening right now. Customer expectations shift constantly. AI is reshaping how companies communicate, sell, and serve. Markets evolve faster than annual planning cycles can keep up with. Today, advantage is defined by adaptability. The executives closest to customers, data, and the core narrative are increasingly the ones best equipped to run the company. LEAD BEYOND BOUNDARIES When leaders move beyond departmental boundaries they gain a holistic view of the business. This broader perspective uncovers patterns and opportunities that would otherwise remain hidden. It enables proactive identification of friction points, ensures messaging aligns with customer experiences, and leverages data from every interaction to deliver more relevant solutions. AI makes this even more powerful. Every interaction generates data. Every touchpoint creates insight. With access to the full lifecycle, I can use that data to anticipate what customers need before they ask for it. This approach isn’t about expanding territory or seeking power; it’s about fostering collaboration and aligning the organization around what matters most to customers and the business. It’s about recognizing that customers don’t care where one function ends and another begins—they care about seamless experiences and having their needs met. POSITIVE CHANGE AND COLLABORATION ACROSS TEAMS My current and former CEOs have been instrumental in helping me expand my role and think more broadly about business impact. They helped me realize I needed to stop thinking about staying in my lane and start thinking about how every decision affects company-wide outcomes from revenue to retention and customer lifetime value. That support made all the difference and has prompted me to advocate for a mindset shift that benefits both the organization and its leaders. When I adopted that perspective, I started having different conversations with my peers. I brought different insights into leadership meetings and made different decisions about where to invest time and resources. That shift made me better at my current job. Whether it leads to a CEO role someday is beside the point. READY TO THINK THIS WAY? Look at your goals. Are they department goals or company goals? If there’s a gap, close it—or at least make sure you can articulate clearly how your goals support and align with the company goals. Look at your accountability. Do you own outcomes or activities? Measuring campaigns is excellent; however, you should ensure it’s measured in terms of revenue. Look at your relationships with the rest of the C-suite. Are you seen as a peer, a service provider, a partner, an antagonist, manager, or stranger? The answer matters more than most CMOs realize. If you are seen as a peer and strategic partner by the rest of the C-suite it ensures alignment and credibility. The seat you occupy at the table determines whether the CMO helps set the agenda or simply executes it. I’ve found that thinking like a CEO—regardless of title—changes how I show up. It’s made me more effective and more valuable to my current company. And yes, it’s probably made me a stronger candidate for broader roles if I ever want them. Don’t just get better for the next role. Get better for this one. Melissa Puls is the chief marketing officer and senior vice president of customer success and renewals at Ivanti. View the full article

US rapper had been due to perform at Wireless Festival in London in July View the full article

PPC professionals commanding higher compensation are moving beyond T-shaped skill sets toward M-shaped expertise with multiple deep, complementary disciplines. The post From T-Shaped To M-Shaped: The PPC Career Evolution Nobody Is Talking About appeared first on Search Engine Journal. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The Samsung ViewFinity S50GC 34-inch Ultrawide Monitor is down to $199.99 on Amazon, a drop from $349.99 and the lowest price it has hit so far, according to online price tracking tools. That alone makes it worth a closer look if you’ve been thinking about an ultrawide. Samsung 34" ViewFinity S50GC Ultrawide QHD monitor (2023, black) $199.99 at Amazon $349.99 Save $150.00 Get Deal Get Deal $199.99 at Amazon $349.99 Save $150.00 What you’re getting here is a 34-inch display with a 3440×1440 resolution, which translates to a lot more horizontal room than a standard monitor. In day-to-day use, that means you can keep multiple windows open—say, a browser, a doc, and a spreadsheet—without constantly switching between tabs. The 21:9 aspect ratio also makes a noticeable difference if you edit videos or work with timelines. Unlike most ultrawides, it’s a flat panel, not a curved one. Some people prefer the curve because it pulls the edges of the screen toward you, which can feel more natural on wider panels. Here, the edges sit a bit farther out, but unless you’re sitting very close, it’s not a major issue. What you do get in return is a VA panel with strong contrast—blacks look properly dark instead of washed out, which helps when you’re watching movies or playing games in darker rooms. You also get useful extras like Picture-in-Picture, auto brightness via a light sensor, and standard ports (DisplayPort and two HDMI). The 100Hz refresh rate is also a step up from the usual 60Hz, so scrolling feels smoother and casual games look a bit more fluid. Pair that with its Adaptive-Sync (48–100Hz) support, and gameplay stays tear-free if your GPU can keep up. That said, like most VA panels, you can run into some ghosting in darker, fast-moving scenes. Brightness tops out at 300 nits, which is fine for indoor use, but its HDR10 support doesn’t add much in practice. Color, too, is decent for everyday use, but it might not hold up as well for color-accurate work. You might also spot minor brightness inconsistencies across the screen, but they’re subtle. At this price, it’s a reasonable pick for productivity and casual entertainment, but not the best fit for color-critical work or fast-paced gaming. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $224.00 (List Price $249.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.99 (List Price $349.00) Samsung Galaxy Tab A11+ 128GB Wi-Fi 11" Tablet (Gray) — $209.99 (List Price $249.99) Apple Watch Series 11 (GPS, 42mm, S/M Black Sport Band) — $329.00 (List Price $399.00) Sony WH-1000XM5 — $248.00 (List Price $399.99) Deals are selected by our commerce team View the full article

This is a programming note that I am completely offline for the last days of Passover holiday Wednesday and Thursday. I am likely not going to schedule any stories, I apologize (still in recovery mode). So I apologize for the lack of stories here. I hope to come back soon...View the full article

It’s a good day for America’s largest health insurance stocks. The biggest players in America’s private, for-profit health insurance system, including UnitedHealth Group Incorporated (NYSE: UNH), Humana Inc. (NYSE: HUM), and CVS Health Corporation (NYSE: CVS), are all seeing their share prices rise after the The President administration announced it will backtrack on earlier proposals and increase Medicare insurer payments significantly more than expected. Here’s what you need to know. What’s happened? On Monday, the Centers for Medicare & Medicaid Services (CMS), the federal agency that manages America’s government-funded health programs, including Medicare, announced that it would increase payments to Medicare insurers by a net average of 2.48% in 2027. This increase is significantly more than the original 0.9% increase that the CMS said it would implement in 2027, and comes after intense lobbying and pushback from the private insurance industry when that sum was announced in January. The revised Medicare Advantage payment rate announcement sent health insurance stocks surging, and means that an additional $13 billion in Medicare Advantage will be made to private health insurers in 2027. As noted by Reuters, a Medicare agency official also confirmed that private insurers would get an additional 2.5% benefit in 2027. This is due to “a change to risk assessment payments related to health status,” the news outlet reported. That means insurers will ultimately see up to a 5% payment bump in 2027. Private health insurance stocks jump After the CMS announced its revised 2027 Medicare Advantage payment rates, the stock prices of America’s major health insurers soared. And the reason why is clear: an extra $13 billion funneled into their coffers means the companies will have a year of financial growth. As of the time of this writing, investors continue to reward health insurance stocks on the news. All of the following companies are currently up in premarket trading: UnitedHealth Group Incorporated (NYSE: UNH): up 5.4% to $296.83 Humana Inc. (NYSE: HUM): up 9.1% to $199.50 CVS Health Corporation (NYSE: CVS): up 6.2% to $77.82 Centene Corporation (NYSE: CNC): up 3.9% to $36.79 Elevance Health, Inc. (NYSE: ELV): up 4.9% to $317.47 Molina Healthcare, Inc. (NYSE: MOH)L up 3.6% to $148.45 Today’s rise in health insurance stocks goes a long way toward correcting an earlier sector-wide bloodbath, which followed the CMS’s announcement in January that it intended to raise 2027 Medicare insurer payments by just 0.9%. At the time of that announcement, around $100 billion was wiped off the market caps of America’s largest health insurance companies, notes the Wall Street Journal. What does the 2027 Medicare insurer payment rate mean for patients? While America’s largest for-profit health insurers are the biggest beneficiaries of the revised Medicare insurer payment rates for 2027, the increased rates do help the millions of Americans who rely on Medicare. The increased payments make health insurance companies less likely to change plan terms, which could have negatively affected a person’s health insurance benefits. That means most monthly premiums should remain stable, while extra benefits like dental and vision should stay the same as well. (Insurers had warned that these could be eliminated if rates did not rise.) As for why the The President administration acquiesced to the health insurers’ demands, the upcoming midterm elections likely played a role. Had the administration not increased payments, insurers might have started warning Medicare recipients later this year that their 2027 plans could change. And with Americans already feeling the pain in their wallets from the never-ending rising costs of living, enrollees likely would not have taken kindly to seeing their Medicare benefits diminish as they head to the polls this November. View the full article

For decades, NBCUniversal’s “The More You Know” campaign has promoted the idea that knowledge is always a public good. And there’s certainly truth in that. But we’ve all watched as a movie character who starts to know too much soon meets their demise. As we navigate a reality inundated with an ever-growing amount of information, data, and artificial intelligence, I look to the recent unveiling of Banksy’s identity to see that we must reconsider the ‘more you know’ mentality. Reuters published an investigation revealing Banksy’s identity, arguing the piece was a matter of public interest. I was surprised by the backlash that followed. While plenty of people flocked to the article, others actively avoided it simply because they prefer not to know. Perhaps the same part of us that is awed by a good magic trick and motivated to hypothesize about its secrets also revels in the mystery of Banksy. Indeed, his anonymity was critical to his impact. Obscurity allowed his work to be interpreted detached from his own socioeconomic, political, and personal identities, creating resonance with a broader audience. Now that audience has the opportunity to know the decades-old secret. Yet, in an attention economy built entirely on information consumption, people were opting out. Deliberately. THE OPT-OUT MOMENT In another opting-out moment, Anthropic refused to remove two restrictions from its Pentagon contract: no mass domestic surveillance and no fully autonomous weapons. Ultimately, it lost the $200 million contract to a competitor that met the requirements. And users noticed. The day after OpenAI announced its Pentagon deal, ChatGPT uninstalls spiked 295%. The day Anthropic refused the deal, Claude’s installs surged 37%, and it rose another 51% the following day. For the first time, U.S. downloads of Claude surpassed ChatGPT, and Claude rose to number one in Apple’s US App Store. By saying no, Anthropic didn’t just earn goodwill. It earned market share. Restraint, in this case, became a competitive advantage. As builders of mobile apps and web products, it is common for our clients, of all sizes, to want to gather as much user information as possible. For 20 years, the dominant product logic has been to collect everything you can, maximize engagement, and optimize for the individual transaction. More data. More reach. More features. AI models are far more knowledgeable and capable than the last and the assumption was that capability equals value. As AI advances, its vast data collection is astounding, and its ability to put that data to use in human-like ways is already remarkable. Whether that is composing music, creating images and film, or formulating business strategies, do we have the restraint to resist turning to it for everything? How can that restraint be utilized as a true product or brand differentiator? WHAT DO USERS WANT? Users are asking different questions now. Not just ‘what does this product or information do for me?’ but ‘what does this do to us?’ And they are deliberately choosing where to invest their attention based on the answers. We’re seeing a shift toward smaller, more intimate digital spaces, and trusted brands as a result. I’ve noticed another shift within our conversations with clients. The classic line of questioning around ‘what should we build?’ is accompanied by a new one, “What should we never do?’ My recommendation to product teams is to scrutinize every bit of data and establish a clear purpose for everything captured. Furthermore, be transparent and straightforward about that with users. Work out your true answers to the harder questions on everything from user data to AI strategy to brand values. Let those answers guide your business and product decisions. Here are some questions worth sitting with if you’re building a digital product right now: What does your product choose not to collect, and do your users know that? Can you provide a compelling user experience without this data? A comparable experience with less data? Is there a principled ‘no’ your product could take that would build more trust than any new feature? Whose side is your product on when the interests of your individual user and a different group conflict? The instinct can still be to collect more, track more, and optimize more. For now, that still works. But something is shifting in what users trust. And trust, once lost, is the hardest product problem to solve. If you’re building a digital product right now, this shift is worth paying attention to. Because I believe the apps we’ll be using in five years won’t be the ones that keep embracing the ‘more’ mentality. We’ll use the products that deliberately choose to know less. Brad Weber is the CEO and founder of InspiringApps. View the full article

Whether intentionally or not, companies build walls. Different business units use metrics that may not align with those of others. And, if it’s an international organization, data-sharing regulations can add extra borders between teams, preventing efficient collaboration. Early in the days of generative AI, I asked a chief information officer (CIO) how many data scientists they had. Most are lucky to have one or two, but he answered 800. He didn’t know exactly what they did though, because they spanned multiple business units that didn’t work together. We helped them establish an AI Center of Excellence (CoE), where groups share knowledge. The result? Several data scientists discovered they could solve a problem that had stumped them before. Siloed communication stood in the way of progress. It spoke to an underlying data problem, though. Each data scientist had a treasure trove of information. We helped make that data accessible to everyone else, which made much more possible. That’s the principle behind data centricity—and it’s the key to harnessing AI. BENEFITS OF A DATA-CENTRIC MODEL Every company needs an AI strategy. According to McKinsey & Company, 88% of survey respondents said they use AI for at least one business function. If you consider companies planning to integrate AI, that percentage grows. However, looking at companies with effective AI strategies, it sinks like a stone. To be successful you need a strong business case and must approach the development of an AI application as if it were a traditional enterprise app instead. But that’s where companies need to diverge from the norm. Instead of treating infrastructure as the foundation of your AI strategy, focus on your data estate and see how you can mold your infrastructure to extract value out of it. Whether it is in the cloud or a data center, the location of the data isn’t as important as the data itself to determine next steps. Over the years, a data-centric approach hasn’t always been right. You’d have built around developer experience, hosting, application services, things predicated on data but not necessarily centered on it. Times change, though. Data has since become the new oil. Large Language Models (LLMs) are incredible tools, but not silver bullets. You can’t just point an LLM at multiple data lakes and extract value. Each data repository may be structured differently, with their own security controls. The idea is to develop a system that enables access to data across these locations while maintaining security and controls for each. Here’s an example: A company collects data from hundreds of partners. Partner A has its own way of sending it in, relative to Partner B, and so on. The data takes different forms: product lists and bundles, pricing information, etc. Under a process-driven model, you’re unpacking and repackaging the data whenever a client is up to renew their contract with a partner. With a data-centric model, you enable AI systems to access these locations and extract value without having to normalize the data. Making it available to AI is key to unlocking the value across your data estate. THE SHIFT TO A DATA-CENTRIC MODEL More than 100 years ago, sociologist William Ogburn coined the term cultural lag. It basically states that technology matures faster than culture. If you try to transform your whole data center from one operating model to another immediately, you’ll experience cultural lag firsthand. Most companies already have experienced it for themselves, transitioning from data center to cloud. Whenever there have been any of these transformational shifts, the successful ones have started off with a clean slate—which very few established companies can do—or they: 1. Start small. 2. Prove the value. 3. Accelerate once they do. If value materializes, rinse and repeat. If it doesn’t, you’ll have gone about it carefully and should be able to retrace your steps and course-correct, maybe with the help of a partner who has been through it before. For teammates in our solutions integration centers, in marketing, finance, etc., AI is a powerful tool we’ve played catch-up on, too. Having gone through many of the same data problems after adopting AI early, we’ve turned lessons we learned as “client zero” into repeatable processes to help ourselves and create solutions to help drive clients’ digital transformations forward. “So how do you start?” CIOs must take the lead: Break down walls and build bridges between departments. Find opportunities to start flipping the equation to data first, but don’t forget your processes and that your people are what will make the magic happen. You’ll find it leads to measurable business success leveraging AI, all through your data. Juan Orlandini is the chief technology officer of North America for Insight Enterprises. View the full article

If you read the headlines, you’d think the music business is a technology business. We talk about demand-side platform (DSP) market share, algorithmic discovery, and the looming threat of AI-generated songs. We treat artists like software founders and songs like lines of code—versioned, optimized, and endlessly iterated. That conversation isn’t wrong. But it’s incomplete. Yes, IP protection in an AI-driven world is critically important. Creators and IP owners deserve safeguards, attribution, and fair economics as machines learn from human work. We need clear rules of the road. But even if we get copyright exactly right, it won’t solve the deeper shift underway. While venture capitalists chase the next Spotify, a quiet counter-revolution is brewing. As AI pushes the cost of creating “perfect” music toward zero, the value of music is inverting. We are entering the era of the human premium, where the industry’s most durable IP is no longer the song itself, but the undeniable reality of the person performing it. THE END OF THE CONTENT ECONOMY For the last decade, we optimized music for distribution. We built pipes—streaming services, social platforms, and recommendation engines—to deliver content as efficiently as possible. Scale was the strategy. Noise is flooding those pipes. When a model can generate a “sad pop ballad in the style of Adele” in seconds, the market value of a sad pop ballad collapses. Not because it’s bad, but because it’s abundant. We are already seeing the early signs of content inflation: more music, more noise, and less meaning. Here’s the paradox: As “perfect” audio becomes cheap, verified humanity becomes expensive. The economic moat of the future is the inseparable bond between the intellectual property and the person performing it. AI can manufacture a perfect song, but it cannot manufacture the human relationship that gives that song its value. THE RETURN TO RELATIONSHIP As content becomes infinite, our trust in it plummets. When we can’t distinguish between a real voice and a synthetic clone, we stop valuing the audio itself. We start looking for the source. This shifts the industry’s center of gravity from consumption (streaming) to connection (believing in people). The value isn’t just in the song; it’s in the shared experience of that song with a living, breathing human. That is why live music revenue is skyrocketing while streaming growth slows. It isn’t just inflation; it’s a flight to quality. Fans are voting with their dollars for the one format that cannot be faked. They are paying a premium not for the music, but for the proof of life. An AI can write a breakup song. It can compose melodies, generate voices, and even simulate vulnerability. But it cannot have a breakup. It cannot lose custody of the kids. It cannot spiral publicly, recover privately, and show up changed. The durable IP is the intersection of a great song and a real life. Audiences aren’t paying for the audio file. They’re paying for context. They’re paying to believe that someone else actually lived the pain they’re feeling. THE FUTURE IS HIGH-TOUCH The music business isn’t dying. It’s polarizing. AI will swallow the low-end market—background music, functional audio, and jingles. That’s inevitable. But the high-end market—the business of identity, touring, community, and deep fan partnership—will expand dramatically. Music is becoming a luxury good again. Not because it’s expensive, but because it’s human. The new luxury is human accessibility to everyone. Brands and investors should stop hunting for the next viral moment and start looking for the next human movement. The algorithm can predict what we want to hear. It can never predict who we want to become. And that’s where the future of music lives. Logan Mulvey is the CEO of GoDigital Music. View the full article