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If you’re looking to improve team spirit in your workplace, engaging games can be quite effective. These activities range from icebreakers that cultivate instant connections to collaborative challenges that build problem-solving skills. Competitive events can energize the team, whereas creative tasks encourage expression. Moreover, virtual games guarantee remote employees feel included. Exploring these options can lead to improved collaboration, but comprehending the specific benefits of each type is crucial for making the right choice. Key Takeaways Two Truths and a Lie: A fun icebreaker that encourages personal storytelling and fosters connections among team members. Office Olympics: Promote friendly rivalry through engaging competitions that enhance teamwork and boost productivity by 14% to 30%. Escape Room Challenges: Foster communication and problem-solving skills while working together to solve puzzles in a time-sensitive environment. Creative Group Painting: Encourage artistic expression and collaboration, serving as an effective icebreaker that cultivates a relaxed atmosphere. Virtual Trivia Games: Engage remote teams with online trivia that strengthens relationships and boosts morale by up to 30%. Icebreaker Games for Instant Connections Icebreaker games play a crucial role in nurturing immediate connections among team members, especially when teams are newly formed or when new members join. These activities serve as engagement games for work, breaking down barriers and promoting a collaborative atmosphere. By participating in icebreaker activities, you improve comfort and encourage open communication, leading to a relaxed environment. Games like “Two Truths and a Lie” or “Have You Ever?” encourage personal storytelling, revealing common interests and building rapport among colleagues. Research indicates that icebreakers can greatly improve group dynamics, with 79% of employees reporting strengthened workplace relationships. Incorporating these workplace games into meetings or events not merely sets a positive tone but also energizes participants, boosting overall engagement. When team members feel connected, they’re more likely to collaborate effectively, making icebreakers a valuable tool for improving workplace culture and productivity. Collaborative Team-Building Activities When teams engage in collaborative team-building activities, they not just improve their relationships but furthermore greatly boost their overall performance. Research shows that participation in these activities can increase workplace performance by up to 25%. Engaging in escape room challenges or bridge building exercises improves communication and problem-solving skills, which are vital for a cohesive team dynamic. Moreover, structured collaborative exercises lead to a 36% higher retention rate, reflecting a stronger emotional connection to the company culture. Activities like human knot untangling or marshmallow tower engineering emphasize clear communication and adaptability, fundamental traits for effective teamwork. Regularly scheduled collaborative events nurture a positive workplace culture, reducing stress and improving overall employee satisfaction. By incorporating these activities into your routine, you create an environment where employees feel valued and connected, ultimately benefiting both the individuals and the organization as a whole. Fun Competitive Challenges to Energize Fun competitive challenges serve as an effective way to energize your workplace, encouraging employees to engage actively during cultivating a sense of camaraderie. These activities can boost productivity by 14% to 30%, creating a more dynamic environment. Options like Office Olympics and Minute to Win It games promote friendly rivalry, which improves teamwork, reduces stress, and raises morale. Engaging in these challenges strengthens interpersonal relationships, with 79% of employees reporting that such activities improve workplace connections. Incorporating scavenger hunts or team-based trivia can likewise break down silos between departments, promoting collaboration across the organization. Moreover, competitive games not only boost team spirit but also lead to improved employee retention, with organizations experiencing 36% higher retention rates when fun activities are part of their culture. Creative and Crafty Engagement Games Creative and crafty engagement games offer a unique way to cultivate artistic expression within teams, creating an environment that improves collaboration and bonding. Activities like group painting sessions or crafting challenges encourage employees to showcase their individual creativity as they work together. These hands-on projects not only promote teamwork but also improve problem-solving skills and innovative thinking. As team members engage in craft-based games, they often find that the relaxed atmosphere helps break down barriers, establishing connections in a fun and interactive manner. Furthermore, these activities serve as effective icebreakers, helping participants feel more comfortable with one another. The joy and sense of accomplishment that arise from shared creative endeavors contribute greatly to a positive workplace culture. Unique Games for Remote Teams Many remote teams face the challenge of maintaining strong connections and morale during working apart. To address this, consider engaging in virtual team-building games like online trivia or digital escape rooms. These activities can improve engagement and create camaraderie among employees, promoting connection in spite of physical distance. Utilizing platforms like Zoom or Slack, you can start with icebreakers like “Two Truths and a Lie,” encouraging personal storytelling and helping team members learn surprising facts about each other. Scheduling regular virtual game sessions can greatly reduce feelings of isolation, potentially increasing team morale and productivity by 30%. Incorporating creative collaboration activities, such as virtual brainstorming sessions or shared art projects, likewise boosts team creativity and problem-solving skills. Furthermore, competitive challenges like online scavenger hunts or fitness competitions can encourage friendly competition, strengthening relationships and increasing motivation within your remote team. Frequently Asked Questions What Are Some Games That Encourage Teamwork? To encourage teamwork, consider games like the Human Knot, which requires participants to communicate and collaborate to untangle themselves. The Egg Drop challenge promotes creativity as teams design protective holders for eggs, improving problem-solving skills. Scavenger Hunts can involve company history, nurturing teamwork through exploration. Office Olympics feature friendly competition, whereas problem-solving games like bridge building engage teams in resource management, promoting flexibility and communication. Each game effectively improves teamwork and collaboration among participants. Which Activity Is Best for Developing Team Spirit? To develop team spirit effectively, consider activities that encourage collaboration and communication. The Human Knot, for instance, challenges you to work together to untangle without letting go of each other’s hands. On the other hand, Two Truths and a Lie cultivates personal connections, allowing team members to learn about each other. These activities not only improve relationships but likewise create a more cohesive team environment, in the end leading to improved morale and productivity in the workplace. Which Game Needs Team Spirit? Games like the “Human Knot” and “Escape Room Challenges” require strong team spirit. They emphasize communication and collaboration, as participants must work together to solve problems and untangle themselves. In these scenarios, trust and reliance on each other’s strengths become essential. Furthermore, “Office Olympics” and “Bridge Building” encourage friendly competition and simulate workplace challenges, nurturing unity and clear communication. These activities promote a sense of belonging and improve overall team dynamics. What Can You Do to Promote Team Spirit? To promote team spirit, you can implement regular team-building activities, encourage open communication, and recognize individual contributions. Organizing brainstorming sessions nurtures collaboration among team members, whereas feedback mechanisms improve transparency. Establishing common goals helps align efforts, creating a sense of shared purpose. Moreover, celebrating team successes, no matter how small, reinforces camaraderie. Conclusion Incorporating engaging workplace games can greatly improve team spirit and collaboration. By utilizing icebreakers, collaborative activities, competitive challenges, creative projects, and unique remote games, you create an environment that encourages communication and connection among team members. These activities not just improve morale but additionally develop crucial skills such as problem-solving and teamwork. Implementing a variety of these games can lead to a more cohesive and motivated workforce, in the end benefiting the overall productivity of your organization. Image via Google Gemini and ArtSmart This article, "5 Engaging Workplace Games to Boost Team Spirit" was first published on Small Business Trends View the full article

The pending agreement would resolve claims over a 2021 hack which affected 5.8 million customers of Lakeview, Community, and Pingora Loan Servicing. View the full article

Meta’s fourth-quarter results jumped past Wall Street’s expectations thanks to solid advertising revenue, sending shares sharply higher in after-hours trading Wednesday. The company earned $22.77 billion, or $8.88 per share, in the October-December quarter. That’s up 9% from $20.84 billion, or $8.02 per share, in the same period a year earlier. Revenue grew 24% to $59.89 billion from $48.39 billion. Analysts, on average, were expecting earnings of $8.21 per share on revenue of $58.5 billion, according to a poll by FactSet. “Once again, Meta surpassed analysts’ earnings expectations for the quarter, cementing its position as one of the world’s most dominant media companies,” said Debra Aho Williamson, chief analyst at Sonata Insights. “Its strong performance provides a solid foundation to continue its massive investments into AI. If there were any signs of revenue shortfall, investors would look at the capital expenditures more negatively.” Meta’s expenses, which the company already warned will be significantly higher this year, grew 40% to $35.15 billion. For the current quarter, Meta is forecasting revenue in the range of $53.5 billion to $56.5 billion. That’s above analysts’ forecast of $51.4 billion. For 2026, Meta is forecasting expenses in the range of $162 billion to $169 billion, driven by infrastructure costs and employee compensation, particularly for the artificial intelligence (AI) experts it’s been hiring at eye-popping pay levels. Meta had 78,865 employees at the end of the year, an increase of 6% from a year earlier. Shares of the Menlo Park, California-based company (Nasdaq: META) rose $73.15, or 10.9%, to $741.88 in after-hours trading. By BARBARA ORTUTAY, AP Technology Writer View the full article

Managing money effectively rarely happens by accident. As costs rise and financial goals multiply, having a clear budget plan becomes essential for staying in control. Rather than reacting to expenses month by month, budget planning helps individuals make intentional decisions, prioritize spending and align daily choices with long-term financial stability and personal peace of mind in modern everyday life. What Is Budget Planning? Budget planning refers to the structured approach used to evaluate income, anticipate expenses and decide how money will be allocated over time. It involves setting financial goals, analyzing spending patterns and establishing guidelines that influence future decisions. Through this ongoing process, individuals gain visibility into their finances and create a framework for controlling cash flow and reducing uncertainty levels overall. Budget planning doesn’t only apply to personal finances. To ensure project budget planning goes smoothly, you need the ability to track resources in one streamlined location. ProjectManager has resource management features that include timesheets, workload charts, planned vs. actual costs and more. Our tools help you estimate, organize, track and adjust project costs, all tied directly to your schedule and resources. Get started by taking a free 30-day trial, no credit card required. /wp-content/uploads/2022/07/Construction-Gantt-light-mode-task-info-general-CTA-BUTTON-1.jpgLearn more What Is a Budget Plan? A budget plan is a tangible financial document that captures projected income, planned expenses and savings targets in one organized view. Unlike the planning process itself, it serves as a reference point for tracking performance and making adjustments. This document translates financial intentions into measurable figures, enabling clearer accountability, comparisons over time and more disciplined money management for individuals today. When to Make a Budget Plan Creating a budget plan becomes especially important during major life transitions, when financial priorities shift, responsibilities increase and unplanned decisions can quickly impact long-term stability and personal financial security. Starting a family introduces new recurring expenses, requiring clearer planning for childcare, healthcare and long-term household costs. Planning a wedding often involves large, time-bound expenses that demand structure to avoid debt and financial stress. Saving for college or education requires disciplined forecasting to balance current living costs with future tuition obligations. Buying a home increases financial complexity through mortgages, maintenance, taxes and shifting monthly cash flow needs. Changing careers or income levels makes budgeting essential for adapting spending habits to new financial realities. How to Make a Budget Plan Turning financial intentions into a usable budget plan requires deliberate choices, clear constraints and realistic assumptions that shape how money is distributed, monitored and adjusted over time. 1. Define the Budgeting Period Before assigning any numbers, it’s essential to determine the timeframe the budget will cover. The length of the budgeting period directly affects spending decisions, priorities and flexibility. An amount that feels sufficient over a few days can become restrictive over several weeks. By defining whether the budget applies weekly, monthly or longer, individuals can align allocations with real-world consumption patterns and avoid distorted expectations. 2. Establish a Budget Amount Once the budgeting period is clear, the next step is identifying how much money is actually available to work with. This figure should reflect existing funds rather than optimistic projections of income not yet received. Regardless of the budgeting method used, basing the budget amount on confirmed resources creates a more reliable plan. Doing so reduces risk, prevents overspending and ensures that financial decisions remain grounded in reality throughout the period. /wp-content/uploads/2020/09/Project-Budget-Template-for-Excel.png Get your free Project Budget Template Use this free Project Budget Template to manage your projects better. Get the Template 3. Identify Expense & Income Categories Grouping expenses into clear categories adds structure to a budget plan and prevents costs from blending into a single total. Categories make it easier to understand where money goes, highlight spending areas that consume a disproportionate share and reveal patterns that might otherwise be missed. This clarity supports better judgment when adjustments are needed. Income categories may also be included when earnings come from multiple sources, though expense categorization remains the primary focus at this stage for accurate visibility and more informed future financial decisions throughout the budgeting period ahead. 4. Estimate Expenses and Allocate Funds With categories defined, the next step is assigning estimated amounts to each expense for the selected budgeting period. These estimates should reflect realistic expectations based on typical spending habits. Once funds are allocated, the document becomes a functional budget plan. From here, actual expenses can be recorded alongside estimates and any income received during the period can be added, creating a working comparison that supports ongoing adjustments between planned targets and real financial activity over time for clarity and control. Related: 18 Budget Templates for Business & Project Budgeting 5. Compare Estimates vs. Actual Expenses and Income Reviewing estimates against actual expenses and income is what turns a budget plan into a useful management tool. This comparison reveals gaps between expectations and reality, showing where overspending occurs or where savings opportunities exist. It also helps validate assumptions made during planning. By tracking variances consistently, individuals gain a clearer picture of their financial behavior, improve future forecasts and make informed adjustments that strengthen long-term financial control through regular reviews and disciplined documentation practices across different budgeting periods and goals. Budget Plan Examples Looking at real-world formats helps translate budgeting theory into something practical, showing how income can be organized, monitored and adjusted using a clear structure. 50/30/20 Budget Plan The 50/30/20 budget plan is a simple method that divides after-tax income into three spending categories. Fifty percent is reserved for essential needs such as housing and utilities, 30 percent is allocated to discretionary wants and 20 percent is dedicated to savings or debt reduction. This approach offers flexibility while still enforcing limits, making it popular among individuals seeking a balance between lifestyle enjoyment and long-term financial stability. John earns $3,000 per month after taxes and wants an easy way to manage his money. He assigns fixed dollar amounts to needs, wants and savings, then tracks spending weekly to avoid exceeding any category. Goal Objective Target Outcome Monthly Amount ($) Cover needs Allocate 50% of income to essentials Stable monthly living costs $1,500 Control wants Limit discretionary spending to 30% Reduced impulse purchases $900 Build security Direct 20% toward savings or debt Improved financial resilience $600 Related: 50/30/20 Budget Template 70/20/10 Budget Plan Designed around proportional allocation, the 70/20/10 budget plan divides income into three broad purposes. Seventy percent is used for living expenses and discretionary costs combined, 20 percent is reserved for savings or investments and 10 percent is directed toward debt repayment or financial goals. This model works well for individuals who prefer simplicity while still maintaining a disciplined approach to saving and reducing liabilities without tracking numerous expense categories. Maria earns $4,000 per month after taxes and prefers a straightforward structure. She allocates most of her income to everyday expenses, commits a fixed portion to savings and uses the remainder to steadily reduce outstanding debt. Goal Objective Target Outcome Monthly Amount ($) Manage expenses Allocate 70% to living and discretionary costs Balanced lifestyle spending $2,800 Grow savings Set aside 20% for savings or investments Long-term financial growth $800 Reduce debt Use 10% for debt or financial goals Lower outstanding balances $400 Zero-Based Budget Plan The zero-based budget plan requires assigning every dollar of income a specific purpose until the remaining balance equals zero. Instead of leaving money unallocated, each expense, saving goal or debt payment is planned. This approach encourages intentional decision-making, minimizes waste and provides detailed visibility into spending behavior. It’s particularly effective for individuals who want tight control over cash flow and clear justification for every financial choice. Daniel earns $3,500 per month and wants maximum control. At the beginning of each month, he assigns every dollar to bills, savings and personal spending so that nothing remains unplanned. Goal Objective Target Outcome Monthly Amount ($) Cover essentials Assign funds to all fixed expenses Bills paid on time $2,200 Plan savings Allocate money to savings goals Consistent monthly saving $700 Control spending Assign remaining funds to discretionary use No unaccounted expenses $600 Flexible Budget Plan Built to adapt as circumstances change, a flexible budget plan adjusts expense limits based on actual income or activity levels. Instead of fixed amounts, spending ranges shift when earnings rise or fall. This approach is especially useful for variable-income households, allowing essential costs to remain covered while discretionary spending expands or contracts. Flexibility reduces financial stress by keeping the budget realistic under changing conditions rather than forcing rigid limits that no longer match reality. Sophia works in sales and her monthly income fluctuates. She sets baseline limits for necessities, then increases or reduces discretionary spending depending on commissions earned that month. Goal Objective Target Outcome Monthly Amount ($) Cover essentials Maintain minimum spending for fixed costs Financial stability $2,000 Adjust lifestyle Scale discretionary spending with income Controlled flexibility $700–$1,200 Protect savings Preserve a consistent savings contribution Long-term security $500 Rolling Budget Plan Rather than resetting annually, a rolling budget plan continuously extends the planning horizon as time passes. Each month or quarter, a new period is added while completed periods drop off. This keeps projections current and aligned with recent financial data. Rolling budgets improve responsiveness to change, making them ideal for individuals who want forward-looking visibility and ongoing refinement instead of static, outdated assumptions. Kevin reviews his budget at the end of every month. As one month closes, he adds a new future month, updating projections using the latest spending and income data. Goal Objective Target Outcome Monthly Amount ($) Maintain accuracy Update budget projections monthly Current financial outlook $3,200 Plan ahead Extend budget into future periods Fewer surprises $1,000 Refine decisions Adjust allocations using recent data Smarter spending choices $800 Free Budget Planning Templates Spreadsheets remain the default choice for building a budget plan because Excel combines flexibility with precision. Users can adjust figures instantly, apply automated formulas and model different scenarios without rebuilding the document. For this reason, ProjectManager provides free Excel budget planning templates that are interactive, customizable and designed to simplify ongoing financial tracking and updates over time for individuals everywhere. 50/30/20 Budget Plan Template This 50/30/20 budget plan template divides income into needs, wants and savings, helping users balance essentials, lifestyle spending and long-term financial goals with simple percentages over a defined budgeting period. Construction Budget Template Use this construction budget template to capture all the tasks and their related costs so the general contractor can forecast the cost of the project. Use the template to compare what you’re actually spending to what you budgeted to help keep the project on track financially. Budget Sheet Template This budget sheet template tracks a starting budget, adds income, subtracts expenses and calculates a final balance, giving users a period-based view of financial activity for personal or small-business use. Plan Project Budgets with ProjectManager From assigning estimated costs for labor, materials and equipment to assigning resources with hourly rates on the Gantt chart, ProjectManager simplifies the budget planning process. Team members can log time on timesheets while dashboards display key budget data at a glance. You can also run and export reports on budget summaries, expense details and more. Related Budgeting Content 18 Budget Templates for Business & Project Budgeting What Is a Business Budget? Business Budgeting Basics What Is an Operating Budget? Key Components What Is a Budget Report? Purpose, Components & Benefits The post How to Make a Budget Plan for Personal Finance Management appeared first on ProjectManager. View the full article

Prime minister hopes pact will help Britain tackle gangs bringing migrants from France in small boatsView the full article

The Mac menu bar is a bit of a mess. Way too many applications want to put icons in the top-right corner of the screen, and most users only want to see a fraction of those. This is a particular problem on recent MacBooks, where the camera notch blacks out a chunk of space right in the middle of the menu bar. This is why applications for cleaning up the Mac menu bar are so popular—the clutter can feel overwhelming. Here's the thing, though: You probably don't need to leave applications like that running constantly. You can hide icons in macOS' Settings, then use a free tool once to move all the icons closer together. Here's how. How to hide icons in Mac System SettingsTahoe, also known as macOS 26, gave users a lot to talk about, which meant a few features were broadly overlooked. One of them: the ability to hide any menu bar icon, no third party software required. To use this feature open System Settings and head to the Menu Bar section. You will see the ability to toggle system icons, like Siri and Spotlight, on and off. Keep scrolling, though, and you'll find the ability to hide icons for any of your installed applications. Just toggle off any application you'd rather not see in the menu bar and it will disappear. I've been using this to disable unwanted icons for months, and it's working well for me. Having said that, though, it isn't a perfect replacement. Applications like Bartender and Ice don't just hide icons—they give you access to a secondary tray where you can still occasionally access icons you hid. There's no quick way to do that using the macOS settings. Still: It's a free way to hide unwanted icons, and there's no need to keep third party software running. Reduce the spacing between icons in the menu bar Credit: Justin Pot If your menu bar still feels crowded, you can free up a bit more space by squeezing all of your icons together. A free application called Menu Bar Spacing lets you change the spacing in your menu bar. Just download the application, move the slider, and your icons will move closer together. The great thing about Menu Bar Spacing, as an application, is that it doesn't need to run constantly. You can launch it once, make the changes you like, and then delete it—your setting will still apply. This is because the application changes a few hidden macOS settings. You can make the changes yourself using the Terminal if you prefer not to use an app, but I think the app makes things a little bit easier. There's a bit of a caveat for macOS 26 users. Because of a bug, only Apple's own icons will move closer together at first. Your other applications will need to be restarted before they bunch closer together. That means you'll need to manually close and re-launch each application, or simply restart your Mac. It's annoying, but only relevant right after you change the settings. And you'll have a lot more space on your menu bar once you're done. View the full article

Donald The President’s EV policies and consumer backlash against CEO Elon Musk’s political activities hit car salesView the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Surround sound systems are not cheap, especially if you want to go for flagship options like Bose, Sonos, or JBL. However, one brand offers a complete surround sound system that is still on-par with the rest as far as quality, but offers a much better bang for your buck—that's Samsung's HW-Q990F/ZC, and right now it's 58% off on Woot for a new system. You can get it for $847.99 (originally $1,997.99), the lowest price I've seen it on sale. Samsung HW-Q990F/ZC Soundbar $847.99 at Woot $1,997.99 Save $1,150.00 Get Deal Get Deal $847.99 at Woot $1,997.99 Save $1,150.00 The Q990F is a 2025 upgrade on the Q990D, which Samsung released in 2023. It's not much different except for a few tweaks that were the biggest cons on reviews. The Q990F added HDMI 2.1 with support for 4K at 120 Hz passthrough and VRR, which is ideal for serious gamers who want the lowest input lag possible. Samsung also added Wireless Dolby Atmos with compatible Samsung TVs, meaning you can have uncompressed Atmos audio without needing to hook up the HDMI cable to the eARC, sending it over wifi instead. The subwoofer was also improved with a tighter, more controlled sound. And of course, the overall tuning and audio technology are also better overall. The Q990F comes with a soundbar, subwoofer, and two rear speakers, and it's honestly the best surround sound system at this price that you can get. As you can read in PCMag's "outstanding" review, the system is powerful, elegant, and has impressive surround-sound audio. There is also a useful companion app that brings all of the settings and any tweaks that you can think of needing right on your phone. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $199.00 (List Price $249.00) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $407.47 (List Price $429.00) Amazon Fire TV Stick 4K Plus — (List Price $24.99 With Code "FTV4K25") Samsung Galaxy Tab A9+ 64GB Wi-Fi 11" Tablet (Silver) — $159.99 (List Price $219.99) Deals are selected by our commerce team View the full article

Respondents to an exclusive NMN survey lay odds on lower rates boosting housing despite stagflation and recession risks. Here's how the Fed's view compares. View the full article

For years, the customer experience playbook has been treated like a technology problem. Add another tool. Deploy another bot. Automate another workflow. And yet here we are, heading into 2026 with customer satisfaction in freefall. Forrester’s 2025 CX Index shows scores hitting a new low for the fourth consecutive year. This isn’t a failure of ambition or innovation. It’s a failure of how we define success. Leaders have been optimizing for activity instead of outcomes. In the rush to scale digital engagement, many organizations fell into a bit of a containment trap, measuring success by how many customer interactions never reach a human. On paper, it looks efficient. In reality, it’s often a false economy. If a customer gets stuck in a bot loop or a bot that can’t answer a straightforward question predictably, you haven’t saved money. You’ve lost trust. And very often, you’ve lost the customer. It’s clear that customer experience (CX) needs a reset. Not more experimentation or hype, but more precision. Based on what we’re seeing across industries, four trends will define whether companies finally break out of the CX recession, or get left behind. 1. CX isn’t delivering (because we’re measuring the wrong things) Despite massive investment, CX outcomes are stalling. The reason is simple: Most organizations are optimizing for the wrong metrics. Containment, deflection, and average handle time tell you how efficiently you move customers away. They tell you very little about whether you actually solved a problem, built loyalty, or created value. The companies that rise to the top are shifting to a hybrid model that treats AI and humans as complementary assets. AI agents handle what they’re best at: instant answers, routine transactions, and scale. Humans step in where judgment, empathy, and nuance matter. The metric shift is critical. High-performing teams measure value creation, not just cost avoidance. Personalization, resolution quality, and revenue impact matter far more than whether a conversation stayed “contained,” because they create value on both sides of the exchange: Customers get answers that actually move them forward, and brands earn trust, loyalty, and measurable growth. In fact, Gartner’s data shows that buyers have a 1.8 times greater likelihood of paying a premium, and they are 3.7 times more likely to buy more than they planned, if they feel that experience has been personalized. The future of CX isn’t about replacing people. It’s about freeing them to do their best work. 2. 2026 is the year of predictable AI Over the past two years, generative AI moved from novelty to necessity. In 2026, the conversation changes again, from capability to control. Unpredictable AI is expensive. Hallucinations, broken flows, and inefficient token usage quietly drain budgets and introduce brand and compliance risk. That’s why predictability has become the most important word in the boardroom. The next phase of AI adoption requires an assurance layer—a system that continuously tests, validates, and verifies AI behavior before it ever reaches a customer. This de-risks innovation, but just as importantly, it creates the engine for continuous improvement. It provides the framework to constantly learn from interactions, refine accuracy, and reduce the cost of every conversation, turning AI from a “science experiment” into an operational efficiency engine that gets smarter over time. The most advanced organizations are using adversarial simulation to stress-test AI against edge cases, confusion, and hostile inputs. They break their systems before customers can. The result is confidence that allows leaders to deploy AI in high-value, high-risk use cases like payments, healthcare, and financial services. Predictable AI doesn’t just reduce risk. It unlocks ROI and drives value creation. 3. The CX budget crunch is an opportunity CX leaders aren’t struggling because budgets disappeared. They’re struggling because scrutiny increased. In 2026, no one is funding “nice-to-have” initiatives. Every dollar must tie directly to financial outcomes. CX leaders need to stop selling soft metrics and start telling a before-and-after story showcasing what changed, by how much, and why it matters to the business. The most effective teams reposition CX not as a cost center, but as an efficiency engine. They run focused pilots, prove results quickly, and use hard data to unlock broader deployment. When you can demonstrate measurable improvements in resolution rates, conversion, or operational efficiency in 90 days, the budget conversation changes. CX stops being discretionary. It becomes essential. 4. Marketers must catch up with consumers’ expectations The biggest growth shift of 2026 isn’t happening in the contact center. It’s happening at the top of the funnel. Traditional lead generation is breaking down. Buyers don’t want forms. They want answers, on their terms, in the moment of intent. Conversational AI enables a concierge model that replaces gated funnels with real-time, personalized dialogue. The economics are compelling. A self-service interaction costs pennies. A live agent interaction can cost dollars. But when done right, conversational AI delivers a low-cost interaction that feels premium and high touch. More importantly, it respects the customer’s time. And in 2026, that can be the ultimate differentiator. PRECISION IS THE NEW SCALE The lesson early in 2026 is simple: Scaling without precision is noise. Precision without scale is irrelevant. The best companies will master both. That means measurable CX, predictable AI, disciplined investment, and conversations that meet people exactly where they are. We don’t need more technology. We need better outcomes. And if we get that right, 2026 won’t just be the year CX recovers, but the year it finally delivers. John Sabino is CEO of LivePerson. View the full article

Company forecasts capital expenditures well above analysts’ estimates View the full article

Quarterly revenue tops $81bn as sales in unit that includes Azure platform surge 26% from a year agoView the full article

Microsoft reported its second quarter 2026 earnings and it showed that its search and advertising revenue was up for 10% but growth is down over the past two quarters. The previous quarter it was up 16% and the one before that was 21% and this quarter, it is only up 10%.View the full article

Chair Jay Powell says robust growth and steadying jobs market show borrowing costs are not ‘restrictive’View the full article

Moves fuelled by surge in prices of precious and base metals triggered by heightened geopolitical tensionsView the full article

Lord Jason Stockwood had previously suggested that tech companies could pay a windfall levy to fund the paymentsView the full article

Moltbot (formerly known as Clawdbot) is the most viral AI product I've seen in a while. The personal AI assistant runs locally and connects via a chat app, like WhatsApp or iMessage. Once you give Moltbot access to your entire device, it can do things on that device for you. This the sort of thing that excites agentic AI pioneers, but worries privacy and security enthusiasts like myself. And indeed, I have significant concerns about the risks installing Moltbot on your personal machine. Since agentic AI will autonomously perform tasks based on prompts, bad actors can take advantage of the situation by surreptitiously feeding those bots malicious prompts of their own. This is called prompt injection, and it can impact any type of agentic AI system, whether an AI browser, or an AI assistant like Moltbot. But it's not just prompt injection that presents an issue for Moltbot users. Someone has already created a malicious Moltbot extension As spotted by The Hacker News, Moltbot already has its first malicious extension, dubbed "Clawdbot Agent - AI Coding Assistant" ("clawdbot.clawdbot-agent.") It seems to have been developed before the bot's name change. This extension is designed for Visual Studio Code, Microsoft's open source AI code editor. What's worse, it was hosted on Microsoft's official Extension Marketplace, which no doubt gave it legitimacy to Moltbot users looking for a Visual Studio Code extension. The extension advertised itself as a free AI coding assistant. When you install it, it executes a series of commands that ends up running a remote desktop program (The Hacker News says it's "ConnectWise ScreenConnect") on your device. It then connects to a link that lets the bad actor gain remote access to your device. By just installing this extension, you essentially give the hacker the tools to take over your computer from wherever they are. Luckily, Microsoft has already taken action. The extension is no longer available on the marketplace as of Tuesday. Moltbot has no official Visual Studio Code extension, so assume any you see are illegitimate at best, and malicious at worst. If you did install the extension, researchers have detailed instructions for removing the malware and blocingk any of its processes from running on your device. Of course, to first thing to do is uninstall the extension from Visual Studio Code immediately. Moltbolt has more security issues tooThe Hacker News goes on to highlight findings from security researcher Jamieson O'Reilly, who discovered hundreds of unauthenticated Moltbot instances readily available on the internet. These instances reveal Moltbot users' configuration data, API keys, OAuth credentials, and even chat histories. Bad actors could use these instances for prompt injection: They could pretend to be a Moltbot user, and issue their own prompts to that user's Moltbot AI assistant, or manipulate existing prompts and responses. They could also upload malicious "skills," or specific collections of context and knowledge, to MoltHub and use them to attack users and steal their data. Speaking to The Hacker News, security researcher Benjamin Marr explains that the core issue is how Moltbot is designed for "ease of deployment" over a "secure-by-default" set up. You can poke around with Moltbot and install sensitive programs without the bot ever warning you about the security risks. There should be firewalls, credential validation, and sandboxing in the mix, and without those things, the user is at greater risk. To combat against this, The Hacker News recommends that all Moltbot users running with the default security configurations take the following steps: remove any connected service integrations check exposed credentials set up network controls look for any signs of attack Or, you could do what I'm doing, and avoid Moltbot altogether. View the full article

Most brands performing well in traditional local search fail to appear in results from ChatGPT, Gemini, and Perplexity, according to SOCi’s newly released 2026 local visibility index. Also of note: business profile information was only about 68% accurate on ChatGPT and Perplexity, compared with 100% accuracy on Gemini, which is grounded in Google Maps. AI limits local visibility. Performance data from nearly 350,000 locations across 2,751 multi-location brands was analyzed to measure how often locations are surfaced or recommended by AI assistants. Turns out, AI platforms are far more selective than Google’s local results: 1.2% of locations were recommended by ChatGPT, 11% by Gemini, and 7.4% by Perplexity. By comparison, brands appeared in Google’s local 3-pack 35.9% of the time. AI visibility is three to 30 times harder to achieve than ranking well in traditional local search, SOCi estimated. AI and Google visibility differ. Across industries, fewer than half of the brands that lead in Google local visibility also appear among the most visible brands in AI results. In retail, only 45% of the top 20 brands by traditional local search visibility overlapped with the top 20 brands most frequently recommended by AI. Why we care. Strong Google local rankings don’t guarantee visibility in AI-powered recommendations. Your brand’s data, reputation, and content must be consistent across the wider ecosystem that AI systems rely on (Google Maps, Yelp, Facebook, brand websites, and other trusted sources). They filter aggressively and favor locations with accurate data, strong sentiment, and clear differentiation. That’s a big shift – from optimization to qualification. AI favors higher-rated businesses. AI recommendations consistently favor businesses with above-average sentiment, treating reviews as a filter rather than a ranking signal. Locations recommended by ChatGPT averaged 4.3 stars, compared with 3.9 stars on Gemini and 4.1 stars on Perplexity, according to SOCi. In traditional local search, businesses with average or even middling ratings can still rank based on proximity and category relevance. In AI-driven results, SOCi found those same locations are frequently excluded altogether, as AI systems prioritize confidence and risk reduction over breadth. Impact varies by industry. AI visibility thresholds differ sharply by sector: Retail: Fewer than half of top-ranked local search brands (45%) carried over into AI recommendations. Sam’s Club and Aldi exceeded expectations, while Target and Batteries Plus Bulbs slipped. The gap shows that AI favors consistent, trusted signals across platforms. Restaurants: Visibility is concentrated among a small group of leaders. Culver’s beat category benchmarks, reaching AI recommendation rates of 30.0% on ChatGPT and 45.8% on Gemini. Strong ratings and complete profiles drove this performance. Brands with weaker data and sentiment often failed to appear in AI recommendations at all. Financial services: After improving profile coverage, ratings, and data accuracy, Liberty Tax achieved 68.3% visibility in Google’s local 3-pack and was recommended 19.2% of the time on Gemini and 26.9% on Perplexity, well above category benchmarks. Underperforming financial brands with low profile accuracy, average ratings near 3.4 stars, and review response rates below 5% were effectively invisible in AI recommendations. Weak fundamentals now translate directly into zero AI visibility, SOCi found. The report. The 2026 Local Visibility Index (registration required) View the full article

Managing payroll can be intimidating for small businesses, but it’s fundamental for smooth operations. You need to understand payroll basics, compliance requirements, and the correct classification of employees versus contractors. Establishing a consistent payroll schedule and staying updated on tax regulations are vital steps. By automating processes and maintaining thorough records, you can minimize errors and save time. Ready to explore these important tips that can streamline your payroll process? Key Takeaways Ensure accurate classification of workers as employees or independent contractors to avoid costly penalties and misclassification issues. Automate payroll processing to reduce errors and save time, integrating with time-tracking systems for precise wage calculations. Maintain thorough payroll records, retaining employee hours and tax documents for compliance and future reference. Stay informed about federal, state, and local labor laws to ensure ongoing payroll compliance and avoid penalties. Establish a consistent payroll schedule that aligns with cash flow to foster employee trust and satisfaction. Understand Payroll Basics and Compliance Requirements Grasping payroll basics and compliance requirements is critical for any small business owner, especially since mistakes can lead to costly penalties. You’ll need to guarantee accurate record maintenance and timely payment of payroll taxes, which may involve using contractor payroll software to streamline processes. Properly classifying your workers as employees or independent contractors is imperative; misclassification can incur significant tax penalties. Employees require IRS Form W-4, whereas contractors need Form W-9. Establishing a payroll schedule that aligns with your cash flow—whether weekly, bi-weekly, or monthly—guarantees employees are compensated on time and helps maintain morale. Furthermore, staying informed about federal, state, and local labor laws, including tax regulations and employee rights, is critical for compliance in small business payroll processing. Consider partnering with Paychex for small business to simplify these responsibilities and reduce the risk of errors. Obtain an Employer Identification Number (EIN) To manage payroll effectively, you need to obtain an Employer Identification Number (EIN) from the IRS. This unique nine-digit number is vital for tax reporting and helps you comply with various tax obligations. Fortunately, applying for an EIN is free and can be completed online in just a day, making it a key step for any business with employees. Importance of EIN Though it may seem like a minor detail, obtaining an Employer Identification Number (EIN) is crucial for any small business with employees. Here’s why: You need an EIN for reporting payroll taxes, including income tax withholding and Social Security contributions. It’s required for filing annual W-2 forms for your employees. An EIN helps you open a business bank account and apply for necessary licenses. Without it, you risk delays in hiring and payroll processes, plus potential tax penalties. Application Process Steps Obtaining an Employer Identification Number (EIN) is a straightforward process that can be completed in a few simple steps. First, visit the IRS website to access the free application. You can apply online, by fax, mail, or telephone. Make sure you have all necessary information ready, such as your business structure and owner details. It’s important to get your EIN before hiring employees to comply with tax regulations and streamline payroll operations. This will make using the cheapest payroll service or the best payroll app much simpler for your payroll small businesses. Step Action 1 Visit the IRS website 2 Choose your application method 3 Fill in your business details 4 Submit your application 5 Receive your EIN Accurately Classify Employees and Contractors Grasping the differences between employees and independent contractors is crucial for your business’s compliance and financial health. Misclassifying a worker can lead to costly IRS penalties and potential loss of benefits for your team, which can impact morale and retention. Employee vs. Contractor Distinctions Accurately classifying workers as either employees or independent contractors is essential for avoiding potential IRS penalties and legal complications. Misclassification can lead to significant issues, so it’s important to grasp the distinctions. Here are key points to reflect on: Tax Forms: Employees use IRS Form W-4 for tax withholding, whereas independent contractors provide IRS Form W-9 for identification. Benefits: Employees are entitled to benefits like overtime pay and unemployment insurance, which contractors don’t receive. Control: The IRS utilizes a 20-factor test, focusing on behavioral and financial control. Review: Regularly reviewing classifications and using IRS Form SS-8 can clarify any uncertainties about worker status. Staying informed helps you navigate these important distinctions effectively. IRS Classification Guidelines Classifying workers correctly according to IRS guidelines is key for small businesses aiming to stay compliant and avoid penalties. The IRS distinguishes workers as either employees or independent contractors based on the employer’s level of control and the nature of their relationship. Misclassifying workers can result in penalties, back taxes, and interest. Employees fill out IRS Form W-4 for tax withholding, whereas independent contractors provide IRS Form W-9 for income reporting. To determine classification, you can use IRS Form SS-8, which evaluates the relationship through behavioral, financial, and relationship factors. Keeping proper documentation for each classification is vital, as it protects your business from audits and legal issues linked to misclassification. Accurate classification is fundamental for smooth operations. Determine Payment Structures: Hourly vs. Salaried When you’re choosing between hourly and salaried payment structures, it’s vital to evaluate how each option aligns with your business needs and the nature of the work. Here are some key factors to take into account: Overtime Pay: Hourly employees are entitled to overtime pay for hours worked over 40 in a week, whereas salaried employees may be exempt, depending on their role. Flexibility vs. Consistency: Hourly wages provide flexibility for fluctuating workloads, allowing adjustments based on hours worked. Salaried positions offer consistent payroll expenses, simplifying budgeting. Worker Classification: Accurately classifying your workers can prevent costly misclassification penalties, including fines and back pay. Employee Morale: Reflect on how each structure impacts morale; hourly workers may prefer overtime opportunities, whereas salaried employees often appreciate paycheck predictability. Clear communication regarding classification and compensation implications is vital for promoting a transparent work environment. Establish a Consistent Payroll Schedule Establishing a consistent payroll schedule is essential for your business’s success and employee satisfaction. By aligning your payment frequency with your cash flow, you can guarantee that your employees receive timely payments, which helps them manage their finances effectively. Furthermore, maintaining regularity in payroll encourages trust within your team, leading to better morale and retention, whilst supporting your financial planning. Align With Cash Flow A consistent payroll schedule is vital for small businesses aiming to align their payroll expenses with cash flow. By establishing a regular payroll frequency, you can guarantee funds are available for timely employee compensation. Here are some key points to take into account: Choose a frequency that matches your business’s cash flow cycle, such as weekly, bi-weekly, or monthly. Enhance employee morale by providing predictable income, fundamental for part-time or hourly workers. Prevent financial strain since payroll often represents 15%-20% of overall business costs. Maintain compliance with federal and state labor laws regarding timely wage payments. Aligning your payroll schedule with cash flow helps you budget effectively during guaranteeing operational liquidity. Maintain Employee Consistency Maintaining employee consistency is vital for nurturing a productive work environment, and a dependable payroll schedule plays a significant role in achieving this. Establishing a consistent payroll schedule, like bi-weekly or monthly, helps employees anticipate their pay dates, cultivating trust and satisfaction. Regular pay periods also improve budgeting for both you and your employees, as predictable cash flow supports better financial planning. Compliance with federal and state laws often necessitates maintaining this consistency, helping you avoid penalties tied to irregular payments. Bi-weekly schedules are common, allowing streamlined calculations of hours and overtime, which boosts payroll efficiency and employee morale. In the end, consistency in payroll processing reduces administrative errors, simplifying payroll management and leading to accurate financial reporting. Automate Payroll Processing for Efficiency When you automate payroll processing, you not just save time but furthermore improve accuracy, making it a smart choice for small businesses. By implementing payroll software, you can greatly streamline your operations. Here are some key benefits: Reduce Time: Automating payroll can cut down calculations and data entry by up to 80%, freeing you to focus on other critical tasks. Integrate Systems: Utilize payroll software that works with your time-tracking systems for accurate wage calculations and fewer manual errors. Generate Documents: Automated systems can produce electronic pay stubs and tax forms, aiding compliance with regulations and minimizing penalties. Secure Payments: Direct deposit features guarantee timely and secure employee payments, boosting satisfaction and trust within your team. Stay Updated on Tax Regulations and Labor Laws Staying informed about tax regulations and labor laws is crucial for any small business owner who wants to maintain compliance and avoid penalties. Regularly review the IRS website and state labor department resources to catch updates that could affect your payroll processes. Subscribing to industry newsletters and professional organization updates can guarantee you receive timely information about legislative changes impacting payroll management. Establish a system for tracking deadlines related to tax filings and labor law compliance; this helps avoid costly penalties and assures timely payments. Consider attending workshops or webinars focused on payroll compliance to improve your comprehension of current regulations. Engaging a CPA or compliance attorney to review your payroll practices can further guarantee that you align with evolving tax laws and labor regulations. Maintain Thorough Payroll Records Effective payroll management hinges on maintaining thorough records that comply with regulations and safeguard your business. Keeping accurate and organized payroll records is crucial to avoid costly penalties and guarantee operational efficiency. Here are four key aspects you should focus on: Employee Hours and Wages: Document hours worked, wages earned, and deductions for at least three years to meet FLSA regulations. Payroll Tax Records: Retain payroll tax documents for a minimum of four years per IRS requirements to protect against audits. Employee Classifications: Clearly record employee classifications, such as full-time and part-time, to prevent misclassification penalties. Benefits and Contributions: Keep detailed records of employee benefits and contributions, assuring compliance with ERISA regulations. Regularly reviewing and updating these records will help you stay compliant with changing tax laws and labor regulations, which can vary by state and locality. Utilize Payroll Software for Enhanced Accuracy Utilizing payroll software can greatly improve the accuracy of your payroll processes, as it automates calculations for wages, tax withholdings, and deductions. This automation considerably reduces the risk of human errors often associated with manual processing. Many payroll software options seamlessly integrate with accounting systems, improving overall financial management efficiency. Furthermore, these tools streamline tax filings by automatically generating necessary forms and reminders, helping you avoid costly penalties for missed deadlines. Advanced payroll software often includes employee self-service portals, allowing your team to access pay stubs and update personal information easily, which reduces your administrative workload. Regular updates from payroll software providers guarantee compliance with changing tax laws and labor regulations, keeping your business informed and minimizing the risk of non-compliance. Communicate Transparently With Employees Regarding Payroll Regarding payroll, clear communication with your employees is vital for nurturing trust and ensuring satisfaction. When you keep your team informed, it not just boosts morale but also reduces confusion. Here are four important practices to improve communication: Regular Updates: Inform employees about payroll schedules, changes, and new tax regulations to keep them in the loop. Encourage Questions: Create an open environment where employees can voice concerns or inquiries about payroll matters. This feedback can pinpoint areas for improvement. Explain Deductions: Provide clear explanations regarding payroll deductions, such as taxes and benefits. This helps employees understand their paychecks better. Centralized Resources: Maintain an online hub where employees can easily access payroll policies and guidelines. This promotes transparency and accountability. Frequently Asked Questions How Can I Handle Payroll for Remote Employees? To handle payroll for remote employees, first, guarantee you understand the regulations in their locations, as laws vary by state or country. Use reliable payroll software that accommodates different tax requirements and supports direct deposit. Maintain accurate records of hours worked and any overtime. Communicate regularly with your employees regarding payroll schedules and any changes. Finally, consider consulting a payroll professional to navigate intricacies and guarantee compliance with all applicable laws. What Should I Do if an Employee Is Overpaid? If you discover an employee’s been overpaid, address it quickly. First, verify the overpayment amount and make sure it’s accurate. Communicate with the employee to explain the situation transparently. Then, review your payroll policies to determine how to recover the funds, whether through deduction from future paychecks or another method. Document everything for your records. Finally, take steps to prevent future overpayments, such as implementing checks and balances within your payroll process. How Do I Manage Payroll During Employee Leaves? To manage payroll during employee leaves, start by grasping the type of leave—paid or unpaid. If it’s paid leave, make certain you adjust the payroll accordingly, tracking their hours accurately. For unpaid leave, calculate the necessary deductions. Communicate clearly with your employees about their pay status. Furthermore, keep records updated, and stay compliant with labor laws regarding leave entitlements. Regularly review your payroll system to accommodate any changes that arise during these periods. What Are the Consequences of Payroll Errors? Payroll errors can lead to serious consequences for your business. You might face financial penalties from tax authorities, which can add up quickly. Moreover, incorrect payroll can damage employee trust and morale, leading to higher turnover rates. It can likewise result in inaccurate financial reporting, affecting business decisions. In addition, addressing these errors often requires significant time and resources, diverting your attention from core business operations and potentially harming your reputation. Can I Outsource Payroll Management? Yes, you can outsource payroll management. Many businesses choose this option to save time and reduce errors. Outsourcing allows you to focus on core operations while experts handle payroll processing, tax compliance, and employee benefits. You’ll need to research reliable payroll service providers, considering their reputation, pricing, and services offered. Confirm they meet your specific needs, in addition to comply with local and federal regulations, to maintain smooth payroll operations. Conclusion By implementing these ten crucial payroll tips, you can effectively manage payroll in your small business. Comprehending compliance requirements, accurately classifying employees, and utilizing payroll software are key steps to ensuring efficiency. Establishing a consistent payroll schedule and maintaining thorough records helps prevent errors and legal issues. Open communication with your employees about payroll matters cultivates trust. Consider consulting a CPA for additional guidance on tax obligations, ensuring your business remains compliant and streamlined in its payroll processes. Image via Google Gemini This article, "10 Essential Payroll Tips for Small Businesses" was first published on Small Business Trends View the full article

Managing payroll can be intimidating for small businesses, but it’s fundamental for smooth operations. You need to understand payroll basics, compliance requirements, and the correct classification of employees versus contractors. Establishing a consistent payroll schedule and staying updated on tax regulations are vital steps. By automating processes and maintaining thorough records, you can minimize errors and save time. Ready to explore these important tips that can streamline your payroll process? Key Takeaways Ensure accurate classification of workers as employees or independent contractors to avoid costly penalties and misclassification issues. Automate payroll processing to reduce errors and save time, integrating with time-tracking systems for precise wage calculations. Maintain thorough payroll records, retaining employee hours and tax documents for compliance and future reference. Stay informed about federal, state, and local labor laws to ensure ongoing payroll compliance and avoid penalties. Establish a consistent payroll schedule that aligns with cash flow to foster employee trust and satisfaction. Understand Payroll Basics and Compliance Requirements Grasping payroll basics and compliance requirements is critical for any small business owner, especially since mistakes can lead to costly penalties. You’ll need to guarantee accurate record maintenance and timely payment of payroll taxes, which may involve using contractor payroll software to streamline processes. Properly classifying your workers as employees or independent contractors is imperative; misclassification can incur significant tax penalties. Employees require IRS Form W-4, whereas contractors need Form W-9. Establishing a payroll schedule that aligns with your cash flow—whether weekly, bi-weekly, or monthly—guarantees employees are compensated on time and helps maintain morale. Furthermore, staying informed about federal, state, and local labor laws, including tax regulations and employee rights, is critical for compliance in small business payroll processing. Consider partnering with Paychex for small business to simplify these responsibilities and reduce the risk of errors. Obtain an Employer Identification Number (EIN) To manage payroll effectively, you need to obtain an Employer Identification Number (EIN) from the IRS. This unique nine-digit number is vital for tax reporting and helps you comply with various tax obligations. Fortunately, applying for an EIN is free and can be completed online in just a day, making it a key step for any business with employees. Importance of EIN Though it may seem like a minor detail, obtaining an Employer Identification Number (EIN) is crucial for any small business with employees. Here’s why: You need an EIN for reporting payroll taxes, including income tax withholding and Social Security contributions. It’s required for filing annual W-2 forms for your employees. An EIN helps you open a business bank account and apply for necessary licenses. Without it, you risk delays in hiring and payroll processes, plus potential tax penalties. Application Process Steps Obtaining an Employer Identification Number (EIN) is a straightforward process that can be completed in a few simple steps. First, visit the IRS website to access the free application. You can apply online, by fax, mail, or telephone. Make sure you have all necessary information ready, such as your business structure and owner details. It’s important to get your EIN before hiring employees to comply with tax regulations and streamline payroll operations. This will make using the cheapest payroll service or the best payroll app much simpler for your payroll small businesses. Step Action 1 Visit the IRS website 2 Choose your application method 3 Fill in your business details 4 Submit your application 5 Receive your EIN Accurately Classify Employees and Contractors Grasping the differences between employees and independent contractors is crucial for your business’s compliance and financial health. Misclassifying a worker can lead to costly IRS penalties and potential loss of benefits for your team, which can impact morale and retention. Employee vs. Contractor Distinctions Accurately classifying workers as either employees or independent contractors is essential for avoiding potential IRS penalties and legal complications. Misclassification can lead to significant issues, so it’s important to grasp the distinctions. Here are key points to reflect on: Tax Forms: Employees use IRS Form W-4 for tax withholding, whereas independent contractors provide IRS Form W-9 for identification. Benefits: Employees are entitled to benefits like overtime pay and unemployment insurance, which contractors don’t receive. Control: The IRS utilizes a 20-factor test, focusing on behavioral and financial control. Review: Regularly reviewing classifications and using IRS Form SS-8 can clarify any uncertainties about worker status. Staying informed helps you navigate these important distinctions effectively. IRS Classification Guidelines Classifying workers correctly according to IRS guidelines is key for small businesses aiming to stay compliant and avoid penalties. The IRS distinguishes workers as either employees or independent contractors based on the employer’s level of control and the nature of their relationship. Misclassifying workers can result in penalties, back taxes, and interest. Employees fill out IRS Form W-4 for tax withholding, whereas independent contractors provide IRS Form W-9 for income reporting. To determine classification, you can use IRS Form SS-8, which evaluates the relationship through behavioral, financial, and relationship factors. Keeping proper documentation for each classification is vital, as it protects your business from audits and legal issues linked to misclassification. Accurate classification is fundamental for smooth operations. Determine Payment Structures: Hourly vs. Salaried When you’re choosing between hourly and salaried payment structures, it’s vital to evaluate how each option aligns with your business needs and the nature of the work. Here are some key factors to take into account: Overtime Pay: Hourly employees are entitled to overtime pay for hours worked over 40 in a week, whereas salaried employees may be exempt, depending on their role. Flexibility vs. Consistency: Hourly wages provide flexibility for fluctuating workloads, allowing adjustments based on hours worked. Salaried positions offer consistent payroll expenses, simplifying budgeting. Worker Classification: Accurately classifying your workers can prevent costly misclassification penalties, including fines and back pay. Employee Morale: Reflect on how each structure impacts morale; hourly workers may prefer overtime opportunities, whereas salaried employees often appreciate paycheck predictability. Clear communication regarding classification and compensation implications is vital for promoting a transparent work environment. Establish a Consistent Payroll Schedule Establishing a consistent payroll schedule is essential for your business’s success and employee satisfaction. By aligning your payment frequency with your cash flow, you can guarantee that your employees receive timely payments, which helps them manage their finances effectively. Furthermore, maintaining regularity in payroll encourages trust within your team, leading to better morale and retention, whilst supporting your financial planning. Align With Cash Flow A consistent payroll schedule is vital for small businesses aiming to align their payroll expenses with cash flow. By establishing a regular payroll frequency, you can guarantee funds are available for timely employee compensation. Here are some key points to take into account: Choose a frequency that matches your business’s cash flow cycle, such as weekly, bi-weekly, or monthly. Enhance employee morale by providing predictable income, fundamental for part-time or hourly workers. Prevent financial strain since payroll often represents 15%-20% of overall business costs. Maintain compliance with federal and state labor laws regarding timely wage payments. Aligning your payroll schedule with cash flow helps you budget effectively during guaranteeing operational liquidity. Maintain Employee Consistency Maintaining employee consistency is vital for nurturing a productive work environment, and a dependable payroll schedule plays a significant role in achieving this. Establishing a consistent payroll schedule, like bi-weekly or monthly, helps employees anticipate their pay dates, cultivating trust and satisfaction. Regular pay periods also improve budgeting for both you and your employees, as predictable cash flow supports better financial planning. Compliance with federal and state laws often necessitates maintaining this consistency, helping you avoid penalties tied to irregular payments. Bi-weekly schedules are common, allowing streamlined calculations of hours and overtime, which boosts payroll efficiency and employee morale. In the end, consistency in payroll processing reduces administrative errors, simplifying payroll management and leading to accurate financial reporting. Automate Payroll Processing for Efficiency When you automate payroll processing, you not just save time but furthermore improve accuracy, making it a smart choice for small businesses. By implementing payroll software, you can greatly streamline your operations. Here are some key benefits: Reduce Time: Automating payroll can cut down calculations and data entry by up to 80%, freeing you to focus on other critical tasks. Integrate Systems: Utilize payroll software that works with your time-tracking systems for accurate wage calculations and fewer manual errors. Generate Documents: Automated systems can produce electronic pay stubs and tax forms, aiding compliance with regulations and minimizing penalties. Secure Payments: Direct deposit features guarantee timely and secure employee payments, boosting satisfaction and trust within your team. Stay Updated on Tax Regulations and Labor Laws Staying informed about tax regulations and labor laws is crucial for any small business owner who wants to maintain compliance and avoid penalties. Regularly review the IRS website and state labor department resources to catch updates that could affect your payroll processes. Subscribing to industry newsletters and professional organization updates can guarantee you receive timely information about legislative changes impacting payroll management. Establish a system for tracking deadlines related to tax filings and labor law compliance; this helps avoid costly penalties and assures timely payments. Consider attending workshops or webinars focused on payroll compliance to improve your comprehension of current regulations. Engaging a CPA or compliance attorney to review your payroll practices can further guarantee that you align with evolving tax laws and labor regulations. Maintain Thorough Payroll Records Effective payroll management hinges on maintaining thorough records that comply with regulations and safeguard your business. Keeping accurate and organized payroll records is crucial to avoid costly penalties and guarantee operational efficiency. Here are four key aspects you should focus on: Employee Hours and Wages: Document hours worked, wages earned, and deductions for at least three years to meet FLSA regulations. Payroll Tax Records: Retain payroll tax documents for a minimum of four years per IRS requirements to protect against audits. Employee Classifications: Clearly record employee classifications, such as full-time and part-time, to prevent misclassification penalties. Benefits and Contributions: Keep detailed records of employee benefits and contributions, assuring compliance with ERISA regulations. Regularly reviewing and updating these records will help you stay compliant with changing tax laws and labor regulations, which can vary by state and locality. Utilize Payroll Software for Enhanced Accuracy Utilizing payroll software can greatly improve the accuracy of your payroll processes, as it automates calculations for wages, tax withholdings, and deductions. This automation considerably reduces the risk of human errors often associated with manual processing. Many payroll software options seamlessly integrate with accounting systems, improving overall financial management efficiency. Furthermore, these tools streamline tax filings by automatically generating necessary forms and reminders, helping you avoid costly penalties for missed deadlines. Advanced payroll software often includes employee self-service portals, allowing your team to access pay stubs and update personal information easily, which reduces your administrative workload. Regular updates from payroll software providers guarantee compliance with changing tax laws and labor regulations, keeping your business informed and minimizing the risk of non-compliance. Communicate Transparently With Employees Regarding Payroll Regarding payroll, clear communication with your employees is vital for nurturing trust and ensuring satisfaction. When you keep your team informed, it not just boosts morale but also reduces confusion. Here are four important practices to improve communication: Regular Updates: Inform employees about payroll schedules, changes, and new tax regulations to keep them in the loop. Encourage Questions: Create an open environment where employees can voice concerns or inquiries about payroll matters. This feedback can pinpoint areas for improvement. Explain Deductions: Provide clear explanations regarding payroll deductions, such as taxes and benefits. This helps employees understand their paychecks better. Centralized Resources: Maintain an online hub where employees can easily access payroll policies and guidelines. This promotes transparency and accountability. Frequently Asked Questions How Can I Handle Payroll for Remote Employees? To handle payroll for remote employees, first, guarantee you understand the regulations in their locations, as laws vary by state or country. Use reliable payroll software that accommodates different tax requirements and supports direct deposit. Maintain accurate records of hours worked and any overtime. Communicate regularly with your employees regarding payroll schedules and any changes. Finally, consider consulting a payroll professional to navigate intricacies and guarantee compliance with all applicable laws. What Should I Do if an Employee Is Overpaid? If you discover an employee’s been overpaid, address it quickly. First, verify the overpayment amount and make sure it’s accurate. Communicate with the employee to explain the situation transparently. Then, review your payroll policies to determine how to recover the funds, whether through deduction from future paychecks or another method. Document everything for your records. Finally, take steps to prevent future overpayments, such as implementing checks and balances within your payroll process. How Do I Manage Payroll During Employee Leaves? To manage payroll during employee leaves, start by grasping the type of leave—paid or unpaid. If it’s paid leave, make certain you adjust the payroll accordingly, tracking their hours accurately. For unpaid leave, calculate the necessary deductions. Communicate clearly with your employees about their pay status. Furthermore, keep records updated, and stay compliant with labor laws regarding leave entitlements. Regularly review your payroll system to accommodate any changes that arise during these periods. What Are the Consequences of Payroll Errors? Payroll errors can lead to serious consequences for your business. You might face financial penalties from tax authorities, which can add up quickly. Moreover, incorrect payroll can damage employee trust and morale, leading to higher turnover rates. It can likewise result in inaccurate financial reporting, affecting business decisions. In addition, addressing these errors often requires significant time and resources, diverting your attention from core business operations and potentially harming your reputation. Can I Outsource Payroll Management? Yes, you can outsource payroll management. Many businesses choose this option to save time and reduce errors. Outsourcing allows you to focus on core operations while experts handle payroll processing, tax compliance, and employee benefits. You’ll need to research reliable payroll service providers, considering their reputation, pricing, and services offered. Confirm they meet your specific needs, in addition to comply with local and federal regulations, to maintain smooth payroll operations. Conclusion By implementing these ten crucial payroll tips, you can effectively manage payroll in your small business. Comprehending compliance requirements, accurately classifying employees, and utilizing payroll software are key steps to ensuring efficiency. Establishing a consistent payroll schedule and maintaining thorough records helps prevent errors and legal issues. Open communication with your employees about payroll matters cultivates trust. Consider consulting a CPA for additional guidance on tax obligations, ensuring your business remains compliant and streamlined in its payroll processes. Image via Google Gemini This article, "10 Essential Payroll Tips for Small Businesses" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. The 2026 Winter Olympics will kick off in Milano Cortina, Italy, beginning on Friday, Feb. 6. With more than 3,200 hours of winter sports coverage spread across broadcast, cable, and digital streaming platforms, finding what you want to watch can feel like a full-time job. So here's where and when you can watch the Olympics. Watching the Olympics is a deeply personal experience. Some love the technical precision of a perfect luge run; others dig the emotional narrative of an underdog’s journey to the podium; and some just want to catch the meme of the week as it happens. Because everyone's "perfect Olympics" is unique, I’ve also put together a viewing guide designed for the way you might want to experience the 2026 Games. How to watch the Olympics on broadcast and cable TVNBCUniversal has the exclusive rights to show the Olympics in the U.S. this year, and the network is practically going all-Olympics from the opening ceremony on Feb. 6 to the closing on Feb. 22. If you're watching the Olympics in the old-school "turn on the TV" way, the 2026 Winter Olympics are on broadcast channel NBC and cable channels CNBC and USA Network. If you're streaming the games, you'll be doing it from Peacock. NBC's broadcast Olympics coverageDuring primetime, NBC is showing Primetime in Milan, three hours of curated Olympics coverage, nightly, beginning at 8 p.m. ET/PT, except Super Bowl Sunday, when Primetime in Milan will start at 10:45 p.m. ET. In the daytime, NBC will be broadcasting five hours of coverage daily focusing mainly on more popular Winter Olympics coverage like snowboarding, skiing, figure skating, and hockey. Daytime Olympics programming will begin at 7 a.m. ET most days, and continue through the early afternoon, depending on the daily lineup. NBC is also airing a nightly wrap-up of each day's events after the local news; the Olympics' opening ceremony on Friday, Feb. 6, at 2 p.m. ET; live coverage of the closing ceremonies at 2:30 p.m. on Feb. 22, with an encore showing at 9 p.m.; and 4K Olympics coverage on Super Bowl Sunday, beginning at 7 a.m. ET. Cable television Olympics coverageNBC-owned cable networks USA Network and CNBC will also feature Olympics content during the games. USA Network: USA Network will be devoted to Olympics coverage nearly 24/7 during the games, showing a mix of live events and encore showings of past events. Because of the six-hour time difference from Italy to the U.S., USA Network will show live Olympic events nightly beginning around 2 a.m. ET, and feature continuing coverage through the early afternoon. CNBC: CNBC is devoted to curling (really). The cable network plans to broadcast a nightly "Best of Curling" show on weeknights at 5 p.m. ET, with long form coverage on weekends. Where to stream the 2026 Olympics If you are planning to stream the Olympics, you'll be doing it on Peacock, NBC's streaming platform. Peacock will stream every single session of all 116 medal events live, as well as offering full-event replays of every event available on-demand. How to watch the Olympics if you're a casual viewer "I want to be part of the conversation, but I don't need to watch biathlon at 4 a.m." If you want high production values, dramatic stories of inspiring athletes, and exciting contests curated by sports broadcasting pros, the mainstream coverage is for you. Don't miss the opening ceremonies on Feb. 6, at 2 p.m. ET, and catch as much of NBC's primetime coverage as you have time for. It's bound to be packed with crowd-pleasing events, give you lots of background on different athletes, and Olympics breaking news, but without a lot of obscure or boring sports. Pro tip: Subscribe to the Two Guys, Five Rings podcast; Matt Rogers and Bowen Yang's Olympics coverage is bound to be hilarious. How to watch the Olympics if you're a single-sport fan"I'm only here for the luge." If you religiously follow a single sport in the Olympics, be it hockey or snowboarding, and you really don't care about, say, inspirational ice-dancer stories, your best bet is Peacock's Sports Hub, where you can watch every qualifying heat and every medal contest of only the sport you like, either live or on-demand. Pro tip: Coordinate your calendar with NBC's interactive schedule to make sure you know when everything is happening. How to watch the Olympics if you're a gossip"Half the fun of the Olympics is dishing about it." If the Olympics is better as a shared experience, watch NBC.com's broadcast coverage in one window, and check out the social media feeds of NBC's "Creator Collective," where TikTok, Instagram, and YouTube influencers like Kylie Kelce, Anna Sitar, and Jordan Howlett will be watching along. Pro tip: Don't sleep on Reddit communities r/olympics and r/WinterOlympics2026. How to watch the Olympics if you're curious "I'm irrationally passionate about a sport I'd never heard of before today." If you love to discover strange new sports, the Winter Olympics are going to be fun. Skip the mainstream coverage on NBC and browse through Peacock's Sports Hub catalog for sports you've never heard of. Pro tip: Don't miss the debut of Ski Mountaineering ("SkiMo"), the only brand-new sport at the 2026 Games. It’s a grueling hybrid where athletes who hate ski lifts for some reason hike up steep mountains before carving down high-speed technical descents. How to watch the Olympics if you're a completist"I absolutely cannot get enough Olympics and I want to watch as much as is humanly possible." If you have a lot of time on your hands and want to see literally everything, you'll need Peacock, and to get familiar with its "Discovery Multiview" feature, which lets you watch up to four sporting events at the same time. Pro tip: Go to the NBC Olympics Full Schedule and use the "My Stuff" feature to build a personalized calendar before the games start to plan your epic Olympic binge. How to watch the Olympics if you're a tech-head"I want to feel the snow in my face without leaving my house." If you want the highest resolution, most immersive Olympic experience possible without traveling to Italy, do not miss 4K All-Day on NBC and Peacock on Sunday, Feb. 8 for 17 hours of 4K HDR coverage of both the Olympics and the Super Bowl. And download the Peacock app for your Meta Quest 3 or 3S headset to watch the Olympics in augmented reality, or check out the "spatial cinema" broadcast of the Olympics on your Apple Vision Pro. Pro tip: NBC is rolling out a new streaming feature called Rinkside Live for Olympic hockey and figure skating. It lets viewers choose from multiple curated feeds of "immersive, never-before-seen views." View the full article

The President is facing a rare bipartisan backlash after a group of federal agents shot and killed protester Alex Pretti in Minneapolis on Saturday, but tech industry leaders – once some of The President’s fiercest critics – are sitting this one out. Pretti’s killing, depicted clearly in multiple angles of bystander video, has galvanized even apolitical corners of the internet and united voices from opposite sides of the political spectrum. The fatal shooting took place less than three weeks after an ICE agent shot and killed Minneapolis resident Renee Good as she attempted to drive away from an encounter with federal agents in the city. In an internal letter posted to Apple employees and reported by Bloomberg, CEO Tim Cook addressed the situation unfolding in Minneapolis, but stopped far short of criticizing the president or his aggressive immigration policies, which have left two people at protests in the city dead within the span of three weeks. Cook described himself as “heartbroken by the events in Minneapolis,” adding that he had a “good conversation with the president” on the issue and appreciated The President’s openness to talking about it. “This is a time for deescalation,” Cook said. “I believe America is strongest when we live up to our highest ideals, when we treat everyone with dignity and respect no matter who they are or where they’re from, and when we embrace our shared humanity. This is something Apple has always advocated for.” Cook’s statement echoes The President’s own language. The president told Fox News on Tuesday that he planned to “de-escalate a little bit” in Minnesota. The letter is not likely to please Apple workers who are furious that Cook attended a glitzy screening of the new Amazon-sponsored documentary about First Lady Melania The President at the White House hours after Pretti’s death. Attendees were treated to “popcorn in Melania-branded buckets, white cake pops, black-and-white macarons, a cereal box featuring the film’s poster and white sugar cookies with “Melania” written in black frosting,” according to Yahoo News. Cook and tech’s other big players are all-in on the second The President administration. Silicon Valley CEOs attended the president’s inauguration and even donated to build The President’s deeply controversial $300 million ballroom – a project that misled the public and resulted in the total demolition of the White House’s historic East Wing. By standing behind the president, Cook and others likely hope to cultivate a comfortable regulatory environment for their businesses while staving off other The President-issued punishments, like targeted tariffs. Some of the richest, most powerful men in the world once checked The President’s power, but they’ve enthusiastically abandoned that role during his second term. The President’s misinformation machine distorts the facts Silicon Valley leaders may be firmly behind The President, but Americans are increasingly unsettled by the administration’s immigration policies. More than half of those polled earlier this month believe that ICE’s enforcement actions are making cities less safe and fresh polling over the weekend revealed that nearly 60% of Americans believe that ICE has gone “too far.” In spite growing public anger and video evidence to the contrary, The President officials scrambled to distort the facts of Pretti’s death over the weekend. Homeland Security Kristi Noem misleadingly claimed that Pretti “attacked” officers while brandishing his gun – a falsehood plainly contradicted by video evidence. White House Deputy Chief of Staff Stephen Miller went even further, describing Pretti as an “assassin” who “tried to murder federal agents,” a claim that Vice President JD Vance and Border Patrol commander Gregory Bovino doubled down on. Other The President officials asserted that Pretti broke the law by carrying a concealed weapon to a protest, but the Minneapolis police verified that he held a gun license and was behaving lawfully. “You cannot bring a firearm loaded with multiple magazines to any sort of protest that you want,” FBI Director Kash Patel told Fox News over the weekend. President The President himself also said that Pretti “he shouldn’t have been carrying a gun,” rankling Second Amendment advocates and many of his own supporters. Louisiana Senator Bill Cassidy called Pretti’s killing “incredibly disturbing,” adding that DHS’s credibility is in question. “There must be a full joint federal and state investigation,” Cassidy said on X. “We can trust the American people with the truth.” The NRA echoed calls for an investigation, criticizing public officials who demonized Americans for lawfully carrying weapons. View the full article

Google’s latest AI innovation, Gemini, promises to revamp how small business owners interact with technology by personalizing their online experiences while prioritizing privacy. Small business owners often juggle multiple responsibilities, and Gemini aims to simplify this task by enhancing productivity through intelligent, tailored support. This AI system utilizes data from Google apps such as Gmail and Photos to offer personalized suggestions, ranging from travel planning to product recommendations. In an example shared by Google, Gemini provided travel tips for a family spring break trip by analyzing past interests, steering users clear of typical tourist traps in favor of more engaging, personalized experiences. Gemini operates with a focus on privacy. Unlike other AI systems that unreservedly collect user data, Gemini starts with a privacy-first approach. Users have control over which apps they connect to the system, and they can opt in or out of data sharing as needed. This design prevents sensitive information from traversing external platforms, maintaining user security. “Gemini aims to improve your experience while keeping your data secure and under your control,” Google reports. The system uses existing data without directly training on personal information. Instead, it references your previous interactions to deliver relevant responses, which means the data within your Gmail or Photos remains untapped in a way that undermines your privacy. For small businesses, this degree of personalization opens several practical avenues. Imagine being able to leverage AI to draft emails, recommend services based on customer preferences, or tailor marketing strategies. Gemini can analyze past interactions and provide valuable insights into customer behavior, allowing owners to refine their approach and focus on what truly resonates with their clientele. However, small business owners should also be aware of potential challenges when integrating such technology. Trusting an AI to access personal data can be daunting. Although Google emphasizes the security of Gemini, some may still hesitate to rely on AI solutions for sensitive tasks. Ensuring staff are adequately trained to use Gemini is also paramount to maximize its potential benefits without the risk of miscommunication or misuse. Moreover, as businesses become increasingly dependent on AI for specific functions, it raises questions about the future of human roles within those organizations. Small business owners will need to balance the operational efficiency offered by Gemini with the vital human touch necessary for relationship-building. One real-world implication is that adopting Gemini might require a shift in mindset. Business owners should embrace AI as a tool that complements their existing operations rather than as a replacement. By understanding the strengths and limitations of the system, they can make informed decisions that preserve the essence of their business. Ultimately, Google Gemini presents an exciting opportunity for small business owners to streamline their processes while ensuring their data remains secure. Its ability to deliver personalized experiences backed by robust privacy measures positions it as a valuable asset in the rapidly evolving technological landscape. For those ready to take the plunge, the promise of enhanced productivity and customer engagement could be just around the corner. For further details about the technology and its approach to privacy, you can visit the original post at Google Blog. Image via Google Gemini This article, "Google Gemini Personalizes Travel Planning While Prioritizing Your Privacy" was first published on Small Business Trends View the full article

Google’s latest AI innovation, Gemini, promises to revamp how small business owners interact with technology by personalizing their online experiences while prioritizing privacy. Small business owners often juggle multiple responsibilities, and Gemini aims to simplify this task by enhancing productivity through intelligent, tailored support. This AI system utilizes data from Google apps such as Gmail and Photos to offer personalized suggestions, ranging from travel planning to product recommendations. In an example shared by Google, Gemini provided travel tips for a family spring break trip by analyzing past interests, steering users clear of typical tourist traps in favor of more engaging, personalized experiences. Gemini operates with a focus on privacy. Unlike other AI systems that unreservedly collect user data, Gemini starts with a privacy-first approach. Users have control over which apps they connect to the system, and they can opt in or out of data sharing as needed. This design prevents sensitive information from traversing external platforms, maintaining user security. “Gemini aims to improve your experience while keeping your data secure and under your control,” Google reports. The system uses existing data without directly training on personal information. Instead, it references your previous interactions to deliver relevant responses, which means the data within your Gmail or Photos remains untapped in a way that undermines your privacy. For small businesses, this degree of personalization opens several practical avenues. Imagine being able to leverage AI to draft emails, recommend services based on customer preferences, or tailor marketing strategies. Gemini can analyze past interactions and provide valuable insights into customer behavior, allowing owners to refine their approach and focus on what truly resonates with their clientele. However, small business owners should also be aware of potential challenges when integrating such technology. Trusting an AI to access personal data can be daunting. Although Google emphasizes the security of Gemini, some may still hesitate to rely on AI solutions for sensitive tasks. Ensuring staff are adequately trained to use Gemini is also paramount to maximize its potential benefits without the risk of miscommunication or misuse. Moreover, as businesses become increasingly dependent on AI for specific functions, it raises questions about the future of human roles within those organizations. Small business owners will need to balance the operational efficiency offered by Gemini with the vital human touch necessary for relationship-building. One real-world implication is that adopting Gemini might require a shift in mindset. Business owners should embrace AI as a tool that complements their existing operations rather than as a replacement. By understanding the strengths and limitations of the system, they can make informed decisions that preserve the essence of their business. Ultimately, Google Gemini presents an exciting opportunity for small business owners to streamline their processes while ensuring their data remains secure. Its ability to deliver personalized experiences backed by robust privacy measures positions it as a valuable asset in the rapidly evolving technological landscape. For those ready to take the plunge, the promise of enhanced productivity and customer engagement could be just around the corner. For further details about the technology and its approach to privacy, you can visit the original post at Google Blog. Image via Google Gemini This article, "Google Gemini Personalizes Travel Planning While Prioritizing Your Privacy" was first published on Small Business Trends View the full article

Solopreneurs aren’t often sitting on a wealth of customer data. Their software configurations may be in nascent stages, requiring owners to rely on their own systems rather than a centralized data repository. It’s likely that they won’t be collecting much customer data to begin with, as they won’t have the technical capacity to synthesize insights from this information just yet. Plus, solopreneurs won’t pay much attention to data when they’re in go-go-go mode simply trying to keep the lights on. Still, data privacy endures in conversation because the dangers of misusing data can have prolonged effects. Companies of all sizes can imperil the privacy of data, even inadvertently, and it will only take one incident to destroy a company’s reputation among its customers, potential or current. Even solopreneurs who don’t consider how they approach data privacy will be set back among the competition and leave themselves open to criticism in this rapidly evolving tech landscape. Here’s more about what solopreneurs need to know about data privacy and what they can do to mitigate disasters before they occur: Where Data Privacy Issues Hide The thought of a data privacy breach might conjure images of a team of infiltrators hacking into a sizable database or breaking into a secure building housing a large bank of hard drives—certainly not targeting the sorts of companies that might be solopreneurships. However, reality is far more banal. Solopreneurs are collecting data and remaining prone to breaches even if they have no idea. The most obvious example can be found within software they may already be running. Everything from Microsoft Word to iTunes now collects user data while claiming that this information will be kept in-house and used to better their products and services. The practice sounds innocent, but so little is known about the internal workings of these organizations that it’s impossible for a user to know, with certainty, just which pieces of data were collected and how they were utilized. Once customer information has been entered, it becomes available to be collected unless folks opt out. Often, a prompt will appear upon first opening the software asking for permission to collect and use data, but not always, and users have proven that they don’t take the time to complete this step later. It becomes an exercise in vigilance for solopreneurs to double check every piece of software they run, as even updates could trigger data sharing. It’s also worth solopreneurs considering the internet search engines they favor. Typing a customer’s name into Google stores the information within Google AI’s LLM (large language model), where it can inadvertently be reused or folded into LLM training. In fact, AI results will always appear within normal search results unless users append “-a” to their search queries—not something most people will remember to do every time. If solopreneurs interface with technology at all, there is danger in leaking proprietary customer data for purposes beyond the scope of the small business. Vendor Responsibilities Without a robust tech stack at their disposal, solopreneurs will likely need to contract with outside vendors for software, data storage, analytics, and administrative tasks. This practice remains common but passes the onus of data protection onto the vendors themselves. These are companies that customers of solopreneurships likely hadn’t weighed in on—not that they necessarily should; this can be a time-consuming process. Regardless, the failure of a vendor is going to reflect negatively on the solopreneurship itself. What’s worse, outside tech vendors are likely to be larger organizations that utilize AI, already ripe for data privacy breaches unless the latest and most comprehensive security measures have been implemented. These are the sorts of companies that receive massive PR, including when issues arise. Customers of solopreneurships will certainly learn quickly when their data has been leaked even if the solopreneurship doesn’t communicate this fact outright. This liability requires that solopreneurs take extra time evaluating their technology partners from a data privacy perspective. At the bare minimum, these vendors must have published privacy stances on their websites that unambiguously spell out how customer data is being used and for how long it will be stored. It may be worth it for solopreneurs to share these privacy stances with their customers, as well, to emphasize that they have put care into choosing their partners and to head off any customer questions before they arise. Otherwise, were an issue to arise, it might register as a shock and make customers feel blindsided, which surely will reflect negatively on the solopreneurs themselves. What Can Be Done? While solopreneurs may not think their customer data is in peril—if they collect any at all, that is—it’s still worth considering how potential data will be used and kept secure. It may not feel like it now, but it’s well worth the effort sooner rather than later. First, solopreneurs need to consider how workflows may look if more employees were to come aboard. This is a worthy exercise even for solopreneurs who plan to maintain a one-person operation for their company’s entire lifespan, as there’s no telling when they may require temporary help or need to communicate workflows to outside vendors. Next, at each step, owners can identify which, if any, software they might use and how that technology would interact with AI. At those points, it’s worth considering how sensitive information could be shared in less identifying ways. Perhaps the data could be anonymized, or fed into one particular program but not another. This sort of thinking can save countless headaches down the road if a data breach were to occur. The above step assumes a conglomeration of apps that all originated from different vendors, but that’s not always the case. To effectively use AI while keeping data secure, solopreneurs should look for software vendors who offer apps that are deeply integrated with one another. This way, information can be shared between apps securely and updates, often addressing vulnerabilities, can be pushed across the entire system instantly. Each hand-off between third-party apps becomes a liability, so by minimizing these, solopreneurs will be in a better position to promise data privacy. In the past, it may have been a futile exercise for solopreneurs to consider purchasing software licenses, previously relegated to larger companies with more sizable budgets. But times have changed, and even the most robust software is far more affordable to smaller businesses than ever before. Many of these lower priced options even come with embedded AI that runs on the vendor’s own LLM, which can be tailored towards privacy far more efficiently than, say, Amazon Web Services. Moving Forward It’s safe to say that solopreneurs decided to launch a company so they could make a difference, not become bogged down by customer complaints and data privacy issues. By thinking about data privacy from the early days of a business, solopreneurs can ensure that their time will be spent growing their company rather than mitigating its closure. The exercise of considering data privacy can have benefits even beyond preventing data breaches. Technology is changing rapidly, and solopreneurs may find themselves out of the loop, either because their heads are down working or they haven’t yet established a network of other business owners from whom they can learn about software. Exercising some mindfulness around data privacy today, whether it’s considering where they may be sharing data unnecessarily with AI or how their typical software use can contribute, will position solopreneurs to conquer whatever comes along tomorrow. This article, "What Solopreneurs Need to Know About Privacy" was first published on Small Business Trends View the full article