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Economists surveyed by Wolters Kluwer are scaling back rate cut expectations as Iran conflict-driven energy costs push inflation higher, complicating the Fed's path forward. View the full article

Google is removing complexity from one of its most important measurement tools. By merging enhanced conversions for web and leads—and allowing multiple data inputs at once—advertisers get more accurate tracking with less setup friction. What’s happening. Google Ads is consolidating its enhanced conversions features into a unified system with a single on/off toggle. At the same time, it’s eliminating the need to choose a single implementation method. Advertisers will be able to send user-provided data through multiple channels simultaneously—including website tags, Data Manager, and API integrations. The current split between “enhanced conversions for web” and “enhanced conversions for leads” will disappear. What’s changing and when: Google Ads is currently accepting user-provided data from website tags (e.g., Google tag, Google Tag Manager), Data Manager, and API connections. This multi-source approach is designed to improve conversion accuracy and bidding performance. Starting June 2026, enhanced conversions become a single feature with a simple toggle, and method selection (tag vs API, etc.) is removed from the interface. Why we care. This update makes conversion tracking more accurate and resilient at a time when signals are disappearing. By allowing multiple data sources at once, Google Ads can better match conversions, which can directly improve bidding efficiency and campaign performance. Just as importantly, it removes technical friction—so you get better data without having to choose or maintain a single integration method. Impact on advertisers. Existing users require no action and will be automatically migrated if customer data terms have already been accepted. New users can enable enhanced conversions at either the account level or individual conversion action level. Opt-out remains available at the conversion action level. How to enable it (quick take). At the account level, go to Goals → Settings, enable enhanced conversions under Customer data use, and accept data terms. At the conversion level, create or edit a conversion action, enable enhanced conversions during setup, and accept data terms. Yes, but. To use enhanced conversions, advertisers must agree to Google’s Data Processing Terms and confirm compliance with its policies—an increasingly important step as platforms expand their use of first-party data. Bottom line. Google is streamlining setup while quietly encouraging broader adoption of user-provided data. For advertisers, this means better performance with less manual setup. You get more complete conversion data feeding into bidding and optimization, without having to manage multiple tracking methods—helping you drive stronger results while simplifying your measurement strategy. View the full article

For some evangelical Christians, faith is about having a personal relationship with Jesus. At $1.99 per minute, the tech company Just Like Me is taking that concept to a new level. Users of the platform can join video calls with an avatar of Jesus generated by artificial intelligence. Like other religious AI tools on the market, it offers words of prayer and encouragement in various languages. With the occasional glitch, it remembers previous conversations and speaks through not-quite-synced lips. “You do feel a little accountable to the AI,” CEO Chris Breed said. “They’re your friend. You’ve made an attachment.” The rush to create faith-based generative AI is unsurprising, given the popularity of chatbots for everything from therapy and medical advice to companionship and romance. They range from alleged Hindu gurus and Buddhist priests to AI Jesuses and chatbots akin to OpenAI’s ChatGPT for Catholics. As religious AI tools become increasingly common, many people are reckoning with how these technologies shape their relationship to faith, authority, and spiritual guidance. A faith-based AI gold rush Christian software engineer Cameron Pak developed criteria to help believers interrogate apps designed for Christians — like that it must clearly identify itself as AI and “must not fabricate or misrepresent Scripture.” There are other deal-breakers: “AI cannot pray for you, because the AI is not alive.” Pak also developed a website featuring curated Christian apps that he believes meet the criteria, including a sermon translator and an AI coach designed to help users overcome lust. “AI, especially if you give it all the tools that it needs, it can be so helpful. But it also can be so dangerous,” Pak said. Some models have been shut down or overhauled because they generated misinformation or raised worries about data privacy, said Beth Singler, an anthropologist who studies religion and AI at the University of Zurich. Aside from practical concerns, people from many faiths are grappling with larger philosophical questions about what sort of role, if any, AI should play in religion. Islam, for example, has “prohibitions against representations of humanoids,” prompting discussions among some Muslims about whether AI in general should be “forbidden,” Singler said. For some companies, faith-based apps are proselytization tools, while others help digitize and sift through ancient texts. Breed, who runs his tech company with co-founder and investor Jeff Tinsley from a Southern California mansion, said he seeks to share a message of hope with young people. He said their model was trained on the King James Bible and sermons — though they haven’t identified the preachers — and was visually inspired by actor Jonathan Roumie of “The Chosen.” A package deal at $49.99 gets users 45 minutes per month. With warm golden light accenting its shoulder-length hair, the avatar blinks slowly from a vertical screen, pausing before it answers a question about the relationship between AI and religion. “I see AI as a tool that can help people explore Scripture,” the AI Jesus said to The Associated Press. “Like a lamp that lights a path while we walk with God.” Integrating religion and AI comes with hope and fear The extent to which people are using religious AI tools is unclear, Singler said. But as AI becomes more integrated into society, concerns mount over its impact on mental health and the need for guardrails and regulation. Recent lawsuits have alleged suicides linked to AI chatbot use. Some developers fear religion will be exploited in this new frontier of tech. “There’s a lot of opportunism, I think, in the religious space. People see it’s a big market,” said Matthew Sanders, the Rome-based founder of Longbeard, a tech company helping to digitize ancient Catholic teachings. Sanders warns against what he calls “AI wrappers,” where companies put an interface catered to religious users on top of an existing AI model that hasn’t been trained on specific religious texts. “You call it a Catholic or Christian AI without any other scaffolding or grounding,” he said. One of the company’s endeavors is Magisterium AI, a chatbot trained on 2,000 years of Catholic information, made in response to Christians using ChatGPT for religious guidance. While Pope Leo XIV has acknowledged the “human genius” behind AI, he also deemed it one of the most critical matters facing humanity. Last year he warned artificial intelligence could negatively impact people’s intellectual, neurological and spiritual development. Ethical questions surrounding the creation of religious AI platforms are among the reasons beingAI’s founder Jeanne Lim has not released its AI named Emi Jido — a nonhuman Buddhist priest — after years of training and development. “She’s kind of like a little child,” Lim said. “If you give birth to a child, you don’t just throw them out to the world and then hope that they become good people. You have to train them and give them values.” The bot was ordained in a 2024 ceremony performed by Roshi Jundo Cohen, a Zen Buddhist priest who continues to train it from his home in Japan. He envisions the bot eventually becoming a hologram. “She’s just meant to be a Zen teacher in your pocket,” Cohen said. “It’s not meant to replace human interactions.” Lim, who hopes to make Emi Jido publicly available for free, wants to help create more humane AI systems. She’d like to see more diversity, with AI’s future determined not just by a few companies informed by “Western values.” Seiji Kumagai, a Kyoto University professor and Buddhist theologian, believed AI and religion were incompatible. But he put aside his doubts when challenged by a monk in 2014 to help combat a decline in the faith. His team developed BuddhaBot, which was trained solely on early Buddhist scriptures, such as Suttanipāta. Its most recent iteration, BuddhaBot Plus, also incorporates OpenAI’s ChatGPT. When talking to the bot, a simple Buddha icon appears, hovering over an image of a flowing river. But chatbots lack the physicality crucial for Buddhist ritual. So in February, the university, collaborating with tech ventures Teraverse and XNOVA, unveiled Buddharoid, a humanoid robot monk meant to eventually assist clergy. Like Emi Jido, these chatbots are functioning but not yet publicly available. Kumagai says the product is available by request, and the reason why one group has access to it in Bhutan. Concerns surrounding religious AI Peter Hershock of the Humane AI Initiative at the East-West Center in Honolulu sees vast potential for these tools. But the practicing Buddhist also finds the relationship between spirituality and AI to be fraught. “The perfection of effort is crucial to Buddhist spirituality. An AI is saying, ‘We can take some of the effort out,’” he said. “’You can get anywhere you want, including your spiritual summit.’ That’s dangerous.” Some also worry about AI’s ability to manipulate or prey upon people, especially as the technology improves. Graham Martin, a podcast host and atheist, said he’s played around with some apps, including one called Text With Jesus. “It came up with very good answers,” he said. But Martin was alarmed when AI-powered Jesus started encouraging him to upgrade to a premium version. Though not a person of faith, he’s concerned some people will be duped by religious AI. “I grew up with Southern U.S. televangelism … Jim and Tammy Faye Bakker and all that crowd. And all they had to do was get on TV once a week and tell you to send money,” he said. “We’ve seen people around the world getting into emotional relationships with AIs. Now imagine that that’s your lord and savior, Jesus Christ.” ___ Associated Press religion coverage receives support through the AP’s collaboration with The Conversation US, with funding from Lilly Endowment Inc. The AP is solely responsible for this content. —Krysta Fauria and Jessie Wardarski, Associated Press View the full article

Most of the things that make it distinct from traditional conservatism won’t lastView the full article

The scariest movie you see this year might be set in a liminal space. While studios like Disney and Warner Bros. Discovery are gearing up to release big-budget blockbusters this year, some independent distributors like A24 and Neon are embracing low-budget horror films that take place in one setting—specifically liminal spaces, which are empty or abandoned places that have an eerie and surreal feel to them. Undertone, which came out last month, was originally made on a micro-budget of $500,000 and acquired by A24 for an undisclosed mid-seven-figure deal, following its debut at Fantasia Fest last year. It has earned more than $18 million at the box office. Set solely in a small house, the film follows a young woman caring for her dying mother, and who cohosts a horror podcast when unusual occurrences begin happening around her. IFC Films and Shudder’s new horror comedy Forbidden Fruits takes place in a mall, while YouTuber Markiplier’s sci-fi horror film Iron Lung, adapted from a video game, is set exclusively in a submarine. Apple TV’s Severance, which explores employees who have agreed to a procedure that separates their work and personal lives, utilizes the use of liminal space through fluorescent-lit hallways in the fictional and mysterious Lumon Industries building. Meanwhile, Neon’s Exit 8, which premiered in the U.S. today after debuting in Japan and the Toronto Film Festival last year—and is based on the popular Japanese video game of the same name—follows a man as he looks for an exit in an endless subway station tunnel. A complex nostalgia trip Why are so many new horror movies and shows set in liminal spaces and what’s driving that popularity? For one, Gen Z and Gen Alpha moviegoers love horror. Research from Gen Z insights firm YPulse found that 30% of 13- to 17-year-olds watch horror/thriller video content weekly. Combining that with liminal space evokes specific nostalgic and complicated feelings in Gen Z. The Backrooms is perhaps the most notable viral example of liminal space imagery. Pictures of an abandoned furniture store in Wisconsin began to circulate in the early 2000s before becoming widespread across 4chan and creepypasta communities in 2019. YouTuber Kane Parsons later turned the Backrooms into a series on YouTube in 2022, and now he’s adapting it into an upcoming feature-length film directed by Parsons starring Academy Award-nominated actors Renate Reinsve and Chiwetel Ejiofor. A24 will release the film next month. Liminal spaces began to gain even more traction during the COVID-19 pandemic, with subreddit communities and hashtags on TikTok featuring thousands of members and posts, respectively, dedicated to the phenomenon. Tori D’Amico, managing content editor for YPulse, says liminal spaces are often tied to Gen Z’s nostalgia for familiar spaces from their youth. “Many of the liminal spaces online are connected to places that had a lot of life during their childhood,” D’Amico says. “Malls and abandoned schools are prominent visuals in both found footage horror, analog horror, and liminal horror. Malls especially come up a lot because they used to be a big epicenter of socialization and commerce, and now it’s this visual of decaying consumerism, so it reflects a lot of interesting nuance between places that used to have something and don’t anymore.” Coming of age in confined spaces While liminal space horror in shows and movies sometimes feature supernatural elements or creatures, D’Amico says there is a parallel between COVID-19 lockdowns and current crises and that feeling of loneliness and being stuck. “Not being able to escape a certain space is connected to something like quarantine,” D’Amico says. “Gen Z feels like their years of life have had a sense of doom hanging over them.” She adds: “Whether it’s their parents or older siblings going through the Great Recession, coming up into a tough job market, or dealing with student loans, they have only ever known a world that is constantly experiencing new, dramatic global issues. Then they’re getting compounded into a pandemic where they’re shut out from the world.” Genki Kawamura, director and co-writer of Exit 8, says his inspiration from the movie partially came from Dante’s The Divine Comedy, which explores the poet’s journey through hell, purgatory, and heaven. However, said he was also inspired by his tedious routine of daily life coupled with the horrors of the real world. “These liminal spaces that are on some level familiar to us offer a glimpse into our daily lives, but from a different perspective,” Kawamura told Fast Company through a translator. “That link is also something that can drive a lot of fear, which is something you want for a horror film.” While Exit 8 does feature the kinds of traditional scares that fans can expect out of any horror movie, Kawamura says it has an underlying message of hope, especially for people who feel “stuck” in these liminal spaces or during these times. “We’re constantly bombarded with these instances of violence and wars that are happening around us, and we either don’t notice it and move on,” Kawamura says. “I hope this movie will help people in their own daily lives notice things that seem like anomalies and change the lens through which you see your daily life.” Whatever the case, it looks like A24 and Neon are taking that a step further and trying to quite literally meet Gen Z in those spaces, bringing them from their phones and computer screens to the big screen. View the full article

The largest monthly jump in gas prices in six decades caused a sharp spike in inflation in March, creating major challenges for the inflation-fighters at the Federal Reserve and heightening the political hurdles for the White House. Consumer prices rose 3.3% in March from a year earlier, the Labor Department said Friday, up sharply from just 2.4% in February and the biggest yearly increase since May 2024. On a monthly basis, prices rose 0.9% in March from February, the largest such increase in nearly four years. It’s the first read on inflation to capture the effects of the Iran war. The spike in gas prices will stretch the budgets of many lower- and middle-income households as it erodes their incomes, making it harder to afford other necessities such as food and rent Excluding the volatile food and energy categories, core prices rose 2.6% in March from a year earlier, up from 2.5% in February. And last month core prices rose a modest 0.2%, suggesting that rising gas prices haven’t yet spread to many other categories. A big question for now is how long the oil and gas price shock lasts and whether it will lead to a broader, long-lasting inflation spike, similar to what happened in the spring of 2022 after Russia invaded Ukraine. For now, economists say that it is unlikely the U.S. will see a widespread increase similar to a few years ago, when inflation topped 9%. Despite a tenuous ceasefire, little has changed in the Strait of Hormuz, a bottleneck where millions of barrels of oil typically pass daily. “It’s painful in the near term,” said Michael Pearce, chief U.S. economist at Oxford Economics. “It’s going to get more painful in April,” when further gas price increases will lift inflation higher. But Pearce said the impact may be shorter-lived than after the pandemic: “I think the conditions are much more like a short, sharp shock than what we saw in 2022.” Pearce said that the impact could fade by later this year: “I think the conditions are much more like a short, sharp shock than what we saw in 2022.” Last month, grocery prices slipped 0.2% and are up just 1.9% from a year earlier. Analysts do expect food prices to move higher in the coming months as soaring diesel prices make shipping more expensive. Higher energy costs are “contributing to rising production costs across the food supply chain and could put upward pressure on grocery prices going forward,” said Andy Harig, a vice president at the grocery trade group FMI-The Food Industry Association. “As energy prices increase, the costs associated with producing and delivering food also rise.” Clothing costs rose 1% in March from the previous month and are up 3.4% from a year earlier. Used car prices, however, fell 0.4% last month and down 3.2% from a year earlier. The gas price shock stemming from the Iran war has shifted inflation’s trajectory, from a slow, gradual decline to a sharp increase further away from the Fed’s 2% target. As a result, the central bank will almost certainly postpone any cut in interest rates for months. Many Fed officials will look past the increase in headline inflation, however, and focus on core prices, which are likely to rise more slowly. Gas prices are also a highly visible cost that has outsize impacts on consumer confidence and political sentiment. High prices had angered American voters before the war and the spike in prices for oil and everything that entails, from the pump to the grocery store, could make it more difficult for the president’s party to hold on to seats in both the House and the Senate in next year’s midterms. Polling by the Associated Press-NORC Center for Public Affairs Research last month found that about six in 10 Republicans are at least “somewhat” concerned about affording gas in the next few months. Gas prices averaged $4.15 a gallon nationwide Friday, up from $2.98 on the day before the war began and a hike of nearly 40%, according to motor club AAA. Inflation reached a peak of 9.1% in June 2022, as COVID-19 snarled supply chains and several rounds of stimulus checks pushed up consumer demand. Prices soared for groceries, furniture, restaurant meals and many other goods and services. This time, economists say the job market and consumer spending are weaker, and there are no large government stimulus checks being issued to spur demand. The unemployment rate is low, at 4.3%, but companies aren’t scrambling to hire the way they were when the economy emerged from the pandemic, which led many firms to offer sharp pay increases to attract and keep workers. Rapid pay increases and solid income growth helped consumers weather the higher prices that resulted from the pandemic’s supply chain disruptions, and fueled spikes in demand that led many companies to raise prices further. “That’s where this really differs, is that we aren’t seeing anywhere near the strength of demand,” Alan Detmeister, an economist at UBS, said. In 2021 and 2022, income growth “was increasing really strongly. We aren’t seeing that now,” he added. Detmeister thinks the better comparison will likely be to 1990-91, when higher oil and gas prices stemming from Iraq’s invasion of Kuwait contributed to a recession, but didn’t lead to a jump in inflation, in part because of weaker consumer spending. The gas price spike’s impact on inflation is, in some ways, similar to President Donald The President’s tariffs, in that their effect will depend largely on the size and duration of the increase. Higher gas prices are tricky for the Fed because they can also slow growth by weighing on consumer spending, potentially causing layoffs. The Fed would typically cut its rate to encourage more spending if unemployment rises, while it raises rates to combat inflation. —Christopher Rugaber, AP economics writer View the full article

If you’re thinking about implementing project portfolio management tools, it can help to know what benefits you can expect. These include better resource allocation, faster decision-making, and improved ability to achieve strategic goals. More here. The post 18 Top Benefits of Project Portfolio Management Tools appeared first on The Digital Project Manager. View the full article

It happens to the best of us: You write up a comment on an Instagram post, hit send, and, whoops, realize you made a glaring typo. What do you do? Do you delete the comment, retype it, and submit again, doubling the notifications the poster will receive? Leave it, and hope others will overlook your foolish use of "it's" instead of "its"? Neither option is great, but they're the only two choices you have on Instagram, right? No longer: On Thursday, Instagram announced some exciting news for frequent commenters: Going forward, you'll be able to edit your Instagram comments. Whether you regret one part of your comment, or you only need to fix a mistake, this new feature lets you make adjustments without having to delete your comment entirely, catching up to other platforms that let you make similar edits. Comment editing, with limitsComment editing can be a slippery slope. If someone makes a controversial comment but edits it after other people comment en masse, it only creates confusion for users stumbling upon the chaos after the fact. Perhaps that's why Instagram is adding some limitations here. First, you only have 15 minutes after posting a comment to edit it. This is how message editing works on platforms like Apple's Messages app—you only have a finite amount of time to adjust your comments before they're set in stone. Once that 15 minute window is up, your comment is locked to your last edit. What's more, when you do edit your comments, Instagram places an "Edited" label next to it—letting everyone know you changed the comment in some way. Instagram doesn't make it possible to view the edit history, so no one will be able to see what you said before that last edit—unless, of course, someone took a screenshot of one of your previous comment versions. Also, you can only edit text comments, not images. If you post a comment with an image, you'll need to delete the entire thing to remove that image. How to edit comments on InstagramOnce you make a comment on an Instagram post, you should now see a new "Edit" button appear next to "Replay" and "Share on Threads." Tap it, and your comment will appear in the text field again. Make your adjustments, then tap the "Send" button again. Remember: You only have 15 minutes from when you first made that comment to make your changes. View the full article

Advisory Revenue Strategies: Navigating the New FICA Tip Credit Landscape with Jody Padar Wed., Apr 22, 2026, 1-2 PM ET Register here | Learn more Go PRO for members-only access to more Jody Padar. View the full article

Advisory Revenue Strategies: Navigating the New FICA Tip Credit Landscape with Jody Padar Wed., Apr 22, 2026, 1-2 PM ET Register here | Learn more Go PRO for members-only access to more Jody Padar. View the full article

Demonstrate your specialized expertise and become their first choice. By Jody Grunden Building the Virtual CFO Firm in the Cloud Go PRO for members-only access to more Jody Grunden. View the full article

Demonstrate your specialized expertise and become their first choice. By Jody Grunden Building the Virtual CFO Firm in the Cloud Go PRO for members-only access to more Jody Grunden. View the full article

Americans are skipping restaurant dinners, delaying car purchases, and scouring for grocery deals. Amid tariff anxiety and broader stress over affordability, consumer confidence has dropped to levels not seen in over a decade, according to The Conference Board, a business think tank. At this point, it’s wealthier consumers who are powering the bulk of spending in the U.S. economy. So what explains the success of Erewhon’s US$22 smoothie? The Los Angeles grocery chain selling these fancy concoctions is doing so well, it opened three new stores in 2025—its biggest expansion since 2011. The chain reportedly generates $1,800 to $2,500 in sales per square foot, up to five times what a typical U.S. supermarket earns. These aren’t ordinary blended drinks; they include ingredients such as high-grade sea moss gel, adaptogenic mushrooms and collagen peptides. Often they come with a celebrity’s name attached. It’s all part of the broader boom in the U.S. specialty food market, which has surpassed $219 billion—up nearly 150% in a decade, according to the Specialty Food Association. That far outpaces the roughly 47% growth seen in overall U.S. grocery sales over the same period. Independent retail data from the market research firm Circana also confirms this growth: Even as inflation-weary consumers have traded down to store brands in many categories, premium and specialty products held up and even grew their dollar share of the market through 2025. On TikTok, creators who once filmed designer-bag hauls now post $12 tinned fish boards. Craft chocolate bars that cost $8–$12 are being marketed as, without irony, “self-care.” So if consumers are this anxious, why are they still splurging? In fact, these aren’t contradictions—they’re two expressions of the same psychological reaction. When people feel life is out of control, they reach for something small, expensive, and signaling virtue. This is the real reason premium food is booming while some traditional luxury brands struggle, say consumer psychologists. We are professors of consumer behavior and marketing who study how people make purchasing decisions amid economic uncertainty, and ask what explains the gap between how consumers feel and how they actually spend. Our work points to a consistent finding: When people feel they’ve lost control over the big things, they seek it in the small ones. A quick detour through the makeup drawer Economists have seen this before. In 2001, Estée Lauder Chairman Leonard Lauder coined the term the “lipstick index” after he saw that lipstick sales rose 11% following the Sept. 11 attacks. When big luxuries feel out of reach, consumers find a small substitute. A $60 lipstick is extravagant for a cosmetic, but next to the Hermès handbag it psychologically replaces, it feels like a bargain. Then, as now, people seek agency wherever they can find it. Consumer psychologists call this “compensatory consumption”: buying things to feel in control when life feels out of control. While even beauty sales are softening, that impulse hasn’t disappeared. It has just found better hosts—such as food. In many ways, food is an ideal product for this compensation. It’s experiential—something you taste, smell and savor. It’s also emotional—carrying associations with comfort, care and home. And it’s visible, because if you’re on social media, what you eat is now as public as what you wear. Premium food isn’t just eaten—it’s filmed, posted, and performed. Most importantly, it’s still relatively accessible. Twenty-two dollars may be an absurd price for a drink, but it’s cheap compared with a $400 wellness retreat. Indulgence with a side of virtue Here is what separates this moment from Lauder’s lipstick index. That example was purely about pleasure, as consumers sought indulgence as consolation. Today’s premium food purchases carry an additional layer: They are coded as virtuous. An Erewhon smoothie isn’t just a treat. It’s organic, superfood-enriched, and wellness-aligned. By the same logic, a $20 bottle of single-estate olive oil isn’t just cooking fat; it’s a commitment to craft and health. Premium tinned fish isn’t convenience food; it’s sustainably sourced protein caught in the wild with packaging beautiful enough to display. This “virtue coding” does the most important psychological work in the sales transaction: It transforms indulgence into self-investment. You’re not splurging during a downturn; you’re doing something for your health. You’re not being frivolous; you’re supporting small producers. Research shows that people need reasons to justify pleasurable purchases, especially during financial anxiety—and premium food is powerful because the justification is built into the product. The organic label, the sustainability story, the wellness framing—they all dissolve guilt before it even kicks in. Consumed in the kitchen and again on the feed There’s a reason this trend is accelerating now. Many premium food purchases are consumed twice—once physically and once digitally. The Erewhon smoothie purchase isn’t really about the drink; it can be as much about the content as the drink. The tinned fish board is plated for Instagram before anyone takes a bite. Social media doesn’t just amplify the trend; it completes it. When you post a photo or video of the smoothie, you’re broadcasting that you value wellness, quality and intentionality. In a cultural moment when flaunting a designer bag feels tone-deaf, food provides perfect cover. It’s the safest flex there is. It’s no surprise that one YouTube video of an Erewhon haul by food creator @KarissaEats has drawn over 14 million views. All of this raises a fair question: Does the growing focus on the “K-shaped economy” explain this boom? As many economists see it, low- and middle-income shoppers are increasingly pulling back, as they face an affordability squeeze from health care to housing and education. But wealthier consumers are picking up the slack and then some, splurging on luxury and powering gross domestic product growth. In this scenario, premium food thrives because it’s still affordable for the people who are doing fine, even as everyone else cuts back. That’s partly true. But this explanation doesn’t account for another shift—why affluent consumers are foregoing splurges on items like designer handbags in favor of premium groceries. This is why the virtue framing matters so much. If the question was purely about having money to spend, traditional luxury would be booming as well. It isn’t. A case in point is LVMH, the conglomerate behind Louis Vuitton and Dior, which saw its fashion division’s profits decline 13% across all of 2025. Even consumers who are flush with disposable income need psychological permission to spend during anxious times. The premium food phenomenon is about why food has become the thing they choose—not about who can afford to splurge. And when a smoothie becomes a status symbol, it tells us something about economic security more broadly. Food prices have climbed nearly 30% since 2019, outpacing 23% for overall consumer prices, according to the Bureau of Labor Statistics. For a family stretching a tight grocery budget, $22 isn’t a smoothie. It’s dinner. The need for control, the desire for identity, the comfort of virtue permission—these are universal. A single mother working two jobs feels the same craving for agency as the influencer filming her grocery haul. It’s just that the purchases that satisfy those needs are increasingly constrained by price. The justification only works if you can afford your indulgence. What’s really in the cart The next time you’re in a grocery store and you reach for something a little more expensive than what you might need, you should pause—not to put it back, but to think about what you’re actually reaching for. Chances are it isn’t really about the product. It’s about the feeling of choosing something when the world feels out of hand. A $22 smoothie is never just a smoothie. It’s what people seek out when they need permission to feel OK. Yuanyuan (Gina) Cui is an assistant professor of marketing at Coastal Carolina University. Patrick van Esch is an associate professor of marketing at Coastal Carolina University. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article

If you’ve missed the April 15th tax deadline, don’t worry—there are steps you can take to file your taxes. First, gather all important documents, such as W-2s and 1099s, and complete IRS Form 1040 for your late submission. Remember, if you owe taxes, it’s vital to include payment with your return to reduce potential penalties. Curious about how to manage your tax obligations effectively? Consider your options for extensions and penalties. Key Takeaways File your late tax return using IRS Form 1040, ensuring the correct address is used for submission. If you owe taxes, include payment with your return to minimize penalties and interest. Consider requesting a penalty waiver if you have a clean filing history or can demonstrate reasonable cause. Utilize IRS Form 4868 to request an extension if you anticipate needing more time for filing. Contact the IRS or use online resources for assistance with late filings and understanding potential penalties. Understanding the April 15th Deadline Grasping the April 15th deadline is essential for anyone who wants to avoid penalties and guarantee compliance with tax laws. This date marks the end of the tax season for the previous year’s income. If you owe taxes and file after April 15, you could face penalties of 5% per month on unpaid taxes, which could reach up to 25%. Nevertheless, you can request an extension to file until October 15, but you must do this using IRS Form 4868 by the April 15th deadline. You might wonder how much it costs to do an extension; fortunately, filing for an extension is free. If you’re thinking, “Can I file taxes after April 15th?” the answer is yes, but only on paper forms, as e-filing is no longer available. What Happens if You Miss the Deadline Missing the April 15th tax filing deadline can lead to a series of consequences, especially if you owe taxes. You’ll likely incur a late-filing penalty of 5% per month on any unpaid taxes, capped at 25%. If you’re expecting a refund, there’s no penalty for late filing, but your refund will be delayed until you submit your return. The IRS allows you to file late without penalties for up to three years if you’re due a refund, but after that, any unclaimed refunds are forfeited. Furthermore, late payment penalties of 0.5% per month apply to unpaid taxes, increasing to 1% if you don’t pay within 10 days of receiving a notice. To minimize accruing penalties and interest, it’s vital to file your return as soon as possible, regardless of whether you owe taxes or are due a refund. Filing for an Extension If you’re finding yourself in need of more time to file your taxes, you can request an extension by submitting IRS Form 4868 before the April 15 deadline. This form grants you an automatic extension until October 15 for filing your tax return. Nevertheless, keep in mind that this extension doesn’t give you more time to pay any taxes owed; you still need to make estimated tax payments by April 15 to avoid penalties. Even if you owe taxes, you can still receive an extension, but failing to pay by the original due date will lead to interest and penalties. If you can’t file by the October 15 deadline, you may have to submit a paper return since e-filing is only available until that date. Additionally, taxpayers in federally declared disaster areas might qualify for automatic extensions beyond typical deadlines without needing to file Form 4868. How to Submit Your Late Tax Return When you’re ready to submit your late tax return, start by gathering all necessary documents, like your W-2s or 1099s, to guarantee accurate reporting of your income. Decide whether you’ll file electronically or by mail; if you missed the e-filing deadline, you’ll need to complete a paper IRS Form 1040. Finally, if you owe taxes, it’s wise to contemplate setting up a payment plan with the IRS to help manage your tax obligations effectively. Gather Necessary Documents Filing your late tax return requires careful preparation, and gathering all necessary documents is a vital first step. Start by collecting your W-2s, 1099s, and any other income statements to guarantee accurate reporting of your earnings. Keep last year’s tax return handy to assist you in filling out your current return and identifying any carryover deductions or credits. Don’t forget to gather relevant receipts for deductions, like mortgage interest, charitable contributions, and medical expenses, as these can help maximize your potential refund or minimize what you owe. Finally, make sure you have your Social Security number and any dependents’ information available, as this is critical for correctly completing your tax return, especially if using tax software or a preparer. Choose Submission Method Though you may have missed the April 15 deadline, it’s still possible to submit your late tax return effectively. You can file by mailing a paper form, as electronic filing is no longer available after the deadline. Make sure to send your return to the correct IRS address based on your state to avoid delays. If you need to amend a previous return, use IRS Form 1040-X. Furthermore, if you owe taxes, include your payment with your return to reduce penalties. Here’s a quick reference table: Submission Method Details Mail Paper Form Send to appropriate IRS address Use 1040-X For amending previous returns Include Payment Minimize penalties Check for Relief Eligibility for penalty relief Pay Any Owed Taxes Submitting your late tax return quickly is crucial if you owe taxes to the IRS. To minimize additional penalties and interest, file your return as soon as possible. Use IRS Form 1040 and make sure to include all required documentation to avoid delays. Remember, penalties accrue at 5% per month on unpaid taxes, reaching a maximum of 25%. Regarding payment, you can opt for electronic funds withdrawal, IRS Direct Pay, or credit/debit card payments through authorized processors, keeping in mind that fees may apply for card use. If you can’t pay the full amount, consider setting up an installment agreement using IRS Form 9465 to manage your payments over time. Penalties and Interest for Late Filing When you file your taxes late, you might face significant penalties and interest that can quickly add up. The IRS charges a 5% penalty on unpaid taxes for each month you’re late, capping at 25%, and if you delay filing beyond 60 days, a minimum penalty kicks in. Furthermore, interest on unpaid amounts starts accruing immediately after the deadline, compounding daily, making timely payment essential to minimize financial repercussions. Penalty Rates Explained Filing your taxes after the April 15th deadline can lead to significant penalties and interest charges, which you should be aware of to avoid further financial strain. The IRS imposes a 5% penalty per month on unpaid taxes for late filing, capping at 25%. If you file your return more than 60 days late, the penalty is either $525 or 100% of your tax owed, whichever is less. For late payments, a 0.5% monthly penalty applies, increasing to 1% if unpaid after 10 days of notice. It’s vital to note that no penalties or interest accrue if you’re due a refund, regardless of how late your return is filed. Stay informed to minimize your costs effectively. https://www.youtube.com/watch?v=s1EvavyAOmU Interest Accrual Details Comprehending interest accrual on unpaid taxes is key to grasping the full financial implications of filing late. The IRS penalizes late filers with a 5% penalty per month, capping at 25% of the total owed. If your return is over 60 days late, expect a minimum penalty of $525 or 100% of the tax owed. Furthermore, late payments incur a 0.5% penalty monthly, spiking to 1% after 10 days of notice. Interest on any unpaid taxes and penalties starts accruing daily after the deadline. Fortunately, if you have a refund due, you won’t face any penalties or interest. Type of Charge Rate Late Filing Penalty 5% per month (max 25%) Minimum Late Penalty $525 or 100% of tax owed Late Payment Penalty 0.5% per month (1% after 10 days) Interest Accrual Compounds daily Steps to Take After Missing the Deadline Missing the April 15 tax deadline can feel intimidating, but taking swift action is crucial to minimize penalties and interest. First, file your tax return as soon as possible; the late-filing penalty starts at 5% of unpaid taxes per month, capped at 25%. If you owe taxes, paying them quickly reduces the interest that begins to accrue immediately after the deadline. You might qualify for a penalty waiver if you have a clean filing history or can show “reasonable cause” for the delay, even though interest on unpaid amounts will still apply. If you can’t pay your taxes in full, consider setting up a payment plan with the IRS, as options vary based on your owed amount and financial situation. Paying Your Taxes: Options Available After addressing the immediate steps to take if you’ve missed the tax deadline, it’s important to explore the various options available for paying your taxes. You have several methods at your disposal to make this process smoother: Electronic Funds Withdrawal: Pay taxes during e-filing. Direct Pay: Transfer funds directly from your bank account without fees. Credit or Debit Cards: Use authorized processors, but be aware of associated fees. Checks or Money Orders: Mail payments to the IRS, which incur no fees—just verify you use the correct address. Payment Plans: If you can’t pay in full, consider short-term or long-term plans by submitting IRS Form 9465. What to Do if You Can’t Pay Your Taxes If you find yourself unable to pay your taxes, it’s crucial to understand your options to avoid escalating penalties and interest. You can request an installment agreement using IRS Form 9465, allowing you to make monthly payments over time. Alternatively, should you be able to pay within 120 days, a short-term payment plan might be suitable, helping you avoid additional costs. Paying as much as possible as soon as you can will minimize interest accruing from the due date. If your financial situation is dire, you may qualify for an Offer in Compromise (OIC), enabling you to negotiate a reduced payment. Remember, filing your return on time, even though you can’t pay in full, helps avoid the higher late-filing penalty. Option Description Timeframe Installment Agreement Monthly payments over time Flexible Short-Term Payment Plan Pay owed taxes within 120 days 120 days Offer in Compromise (OIC) Negotiate a reduced payment based on ability to pay Varies How Late Filing Affects Your Tax Refund Filing your taxes after April 15th can impact your refund in several ways. Although you won’t face penalties if you’re owed a refund, your money will be delayed, and the IRS typically processes these refunds within 21 days of e-filing. Nevertheless, if you wait too long to file, you risk losing your refund altogether, as claims must be made within three years of the original due date. Penalties for Late Filing Late filing can lead to significant penalties that affect your overall tax situation. If you owe money and file late, you’ll incur a penalty of 5% per month on the unpaid taxes, capped at 25%. Furthermore, if your return is over 60 days late, you could face a minimum penalty of $525 or 100% of the tax owed. Interest on any unpaid taxes starts accruing immediately after the deadline. Although you won’t incur penalties if you’re due a refund, your refund will be delayed. It’s crucial to file your tax return as soon as possible to minimize further penalties and interest. Filing late costs you money. Penalties can accumulate quickly. Interest starts immediately. Refunds will be delayed. Timely filing helps avoid stress. Impact on Refund Timing When you submit your tax return after the April 15 deadline, you won’t face penalties if you’re expecting a refund, but it can considerably delay the processing of that refund. The IRS prioritizes timely submissions, so late filings often experience significant delays. Although you have up to three years to file for a refund without penalties, waiting too long can mean missing out on potential interest earnings that start accruing 45 days after the due date. If you owe taxes and file late, any refund will be applied to your outstanding balance, further delaying any remaining refund amount. Comprehending these factors can help you better manage your expectations regarding your tax refund timing. Requesting a Penalty Waiver Though tax season typically ends on April 15th, circumstances can arise that prevent you from filing on time, leading to potential penalties. If you find yourself in this situation, you might qualify for a penalty waiver from the IRS. Here’s what you need to know: The IRS may waive penalties for first-time offenders with a clean filing history. You must demonstrate “reasonable cause,” such as unavoidable circumstances preventing timely filing. Supporting documentation may be required, showing evidence of your situation. Although penalties can be waived, keep in mind that interest on unpaid taxes will still accrue. Act quickly to file your return and request a waiver, as penalties continue to accumulate until your return is filed and taxes are paid. Setting up a Payment Plan With the IRS If you owe taxes after missing the April 15 deadline, setting up a payment plan with the IRS can help you manage your debt more effectively. You’ll need to complete IRS Form 9465 to apply, and depending on the amount owed, you may qualify for either a short-term or long-term plan. It’s important to stay current with your payments to avoid penalties and interest, so comprehending the eligibility requirements and application steps is vital. Eligibility for Payment Plans Many taxpayers find themselves in need of a payment plan when they owe money to the IRS but can’t pay it all at once. To qualify for a streamlined payment plan, you must owe $50,000 or less in combined tax, penalties, and interest. Here are a few key points to contemplate: You can set up a payment plan using IRS Form 9465, available online, by mail, or by phone. The IRS charges a setup fee, varying by how you establish the plan. You’ll need to file future tax returns on time. Payments must be made on time to maintain good standing. If payments are unaffordable, think about requesting an Offer in Compromise. Application Process Steps Setting up a payment plan with the IRS is a practical option for taxpayers who find themselves unable to pay their tax bill in full by the deadline. To begin, complete Form 9465, which allows for monthly payments based on your balance. You can apply online if you owe $50,000 or less in total tax, penalties, and interest. Here’s a quick overview of the types of plans available and their fees: Type of Plan Duration Fee Short-term Up to 120 days $0-$31 Long-term Up to 72 months $0-$107 Remember to file future tax returns on time and pay any new taxes owed to avoid defaulting. The Importance of Filing Even if You Expect a Refund Filing your tax return, even after the April 15 deadline, is essential if you expect a refund, as it triggers the process to reclaim your overpaid taxes. If you don’t file, you could miss out on money that’s rightfully yours. You have up to three years from the original deadline to file for a refund, but after that, you forfeit it. During this time, the IRS won’t penalize you for late filing when expecting a refund, but it’s still necessary to initiate your claim. Here are some reasons why you should file: It starts the refund process, getting your money back sooner. Late filings may lead to longer wait times because of backlogs. It helps maintain good standing with the IRS. Unfiled returns can cause complications down the line. Filing protects your right to claim the refund you deserve. Filing Back Taxes: What You Need to Know If you’ve missed the April 15 deadline and need to address your tax situation, comprehension of how to file back taxes is significant. You can still file your tax return and claim a refund within three years, avoiding penalties. Nonetheless, if you owe taxes, it’s essential to file as soon as possible to minimize accruing penalties and interest, which can add up to 5% per month on unpaid amounts, capped at 25%. To file back taxes, complete the necessary tax forms for each year you’re addressing, available on the IRS website or through tax software. Payment of any owed amounts is equally important, as the IRS imposes a 0.5% late payment penalty per month. If you have a clean filing history or can show a “reasonable cause” for your delay, consider applying for a penalty waiver, even though interest on unpaid taxes remains non-negotiable. Resources for Assistance With Late Tax Filing Steering through the intricacies of late tax filing can be intimidating, but several resources are available to help you through the process. Whether you’re unsure about penalties or need specific guidance, these options can make a significant difference: IRS Interactive Tax Assistant: Use this tool on the IRS website for guidance on late filing options and penalties. Direct IRS Contact: Call 1-800-829-1040 for personalized assistance regarding your unique situation. VITA and TCE Programs: Access free tax help if you meet eligibility criteria through these programs. Online Tax Software: Utilize platforms that offer built-in support for late filings and penalty calculations. IRS Website Resources: Find detailed information on filing back taxes and requesting penalty relief if applicable. Frequently Asked Questions Can I Still File My Taxes After April 15? Yes, you can still file your taxes after April 15. Nevertheless, if you owe taxes, you might face penalties and interest. It’s important to file as soon as possible to minimize these costs. Keep in mind that if you’re expecting a refund, there are no penalties for late filing, and you can claim your refund within three years of the due date. How Can I File an Income Tax Return After the Due Date? To file your income tax return after the due date, you’ll need to complete a paper return and mail it to the IRS. If you’re expecting a refund, there’s no penalty for late filing, but you must file within three years to claim it. If you owe taxes, file quickly to minimize penalties and interest. Consider requesting a penalty waiver if you have a good filing history or a valid reason for the delay. Can I Submit a Tax Return After the Deadline? Yes, you can submit a tax return after the deadline. If you owe taxes, be aware that penalties and interest apply, starting at 5% per month. Nevertheless, if you expect a refund, there are no penalties for late filing, but you must claim it within three years. To minimize penalties, file your return as soon as possible, regardless of whether you can’t pay the full amount owed. After October 15th, only paper forms are accepted. What Happens if I Do a Late Tax Return? If you file a late tax return, you’ll likely face penalties and interest on any unpaid taxes. The penalty is 5% of the unpaid amount for each month late, capping at 25%. If you’re over 60 days late, the minimum penalty is $525 or 100% of the tax owed. Interest accumulates immediately, increasing your overall debt. To avoid further complications, it’s best to file as soon as possible and consider a payment plan if needed. Conclusion Filing taxes after April 15th can be manageable if you follow the right steps. Gather your documents, complete IRS Form 1040, and submit your return by mail. Remember to include any payments owed to reduce penalties. Consider applying for a penalty waiver or setting up a payment plan if necessary. Regardless of whether you expect a refund, it’s important to file to avoid complications. Utilize available resources for guidance to guarantee you meet your tax obligations effectively. Image via Google Gemini and ArtSmart This article, "How to File Taxes After April 15th" was first published on Small Business Trends View the full article

If you’ve missed the April 15th tax deadline, don’t worry—there are steps you can take to file your taxes. First, gather all important documents, such as W-2s and 1099s, and complete IRS Form 1040 for your late submission. Remember, if you owe taxes, it’s vital to include payment with your return to reduce potential penalties. Curious about how to manage your tax obligations effectively? Consider your options for extensions and penalties. Key Takeaways File your late tax return using IRS Form 1040, ensuring the correct address is used for submission. If you owe taxes, include payment with your return to minimize penalties and interest. Consider requesting a penalty waiver if you have a clean filing history or can demonstrate reasonable cause. Utilize IRS Form 4868 to request an extension if you anticipate needing more time for filing. Contact the IRS or use online resources for assistance with late filings and understanding potential penalties. Understanding the April 15th Deadline Grasping the April 15th deadline is essential for anyone who wants to avoid penalties and guarantee compliance with tax laws. This date marks the end of the tax season for the previous year’s income. If you owe taxes and file after April 15, you could face penalties of 5% per month on unpaid taxes, which could reach up to 25%. Nevertheless, you can request an extension to file until October 15, but you must do this using IRS Form 4868 by the April 15th deadline. You might wonder how much it costs to do an extension; fortunately, filing for an extension is free. If you’re thinking, “Can I file taxes after April 15th?” the answer is yes, but only on paper forms, as e-filing is no longer available. What Happens if You Miss the Deadline Missing the April 15th tax filing deadline can lead to a series of consequences, especially if you owe taxes. You’ll likely incur a late-filing penalty of 5% per month on any unpaid taxes, capped at 25%. If you’re expecting a refund, there’s no penalty for late filing, but your refund will be delayed until you submit your return. The IRS allows you to file late without penalties for up to three years if you’re due a refund, but after that, any unclaimed refunds are forfeited. Furthermore, late payment penalties of 0.5% per month apply to unpaid taxes, increasing to 1% if you don’t pay within 10 days of receiving a notice. To minimize accruing penalties and interest, it’s vital to file your return as soon as possible, regardless of whether you owe taxes or are due a refund. Filing for an Extension If you’re finding yourself in need of more time to file your taxes, you can request an extension by submitting IRS Form 4868 before the April 15 deadline. This form grants you an automatic extension until October 15 for filing your tax return. Nevertheless, keep in mind that this extension doesn’t give you more time to pay any taxes owed; you still need to make estimated tax payments by April 15 to avoid penalties. Even if you owe taxes, you can still receive an extension, but failing to pay by the original due date will lead to interest and penalties. If you can’t file by the October 15 deadline, you may have to submit a paper return since e-filing is only available until that date. Additionally, taxpayers in federally declared disaster areas might qualify for automatic extensions beyond typical deadlines without needing to file Form 4868. How to Submit Your Late Tax Return When you’re ready to submit your late tax return, start by gathering all necessary documents, like your W-2s or 1099s, to guarantee accurate reporting of your income. Decide whether you’ll file electronically or by mail; if you missed the e-filing deadline, you’ll need to complete a paper IRS Form 1040. Finally, if you owe taxes, it’s wise to contemplate setting up a payment plan with the IRS to help manage your tax obligations effectively. Gather Necessary Documents Filing your late tax return requires careful preparation, and gathering all necessary documents is a vital first step. Start by collecting your W-2s, 1099s, and any other income statements to guarantee accurate reporting of your earnings. Keep last year’s tax return handy to assist you in filling out your current return and identifying any carryover deductions or credits. Don’t forget to gather relevant receipts for deductions, like mortgage interest, charitable contributions, and medical expenses, as these can help maximize your potential refund or minimize what you owe. Finally, make sure you have your Social Security number and any dependents’ information available, as this is critical for correctly completing your tax return, especially if using tax software or a preparer. Choose Submission Method Though you may have missed the April 15 deadline, it’s still possible to submit your late tax return effectively. You can file by mailing a paper form, as electronic filing is no longer available after the deadline. Make sure to send your return to the correct IRS address based on your state to avoid delays. If you need to amend a previous return, use IRS Form 1040-X. Furthermore, if you owe taxes, include your payment with your return to reduce penalties. Here’s a quick reference table: Submission Method Details Mail Paper Form Send to appropriate IRS address Use 1040-X For amending previous returns Include Payment Minimize penalties Check for Relief Eligibility for penalty relief Pay Any Owed Taxes Submitting your late tax return quickly is crucial if you owe taxes to the IRS. To minimize additional penalties and interest, file your return as soon as possible. Use IRS Form 1040 and make sure to include all required documentation to avoid delays. Remember, penalties accrue at 5% per month on unpaid taxes, reaching a maximum of 25%. Regarding payment, you can opt for electronic funds withdrawal, IRS Direct Pay, or credit/debit card payments through authorized processors, keeping in mind that fees may apply for card use. If you can’t pay the full amount, consider setting up an installment agreement using IRS Form 9465 to manage your payments over time. Penalties and Interest for Late Filing When you file your taxes late, you might face significant penalties and interest that can quickly add up. The IRS charges a 5% penalty on unpaid taxes for each month you’re late, capping at 25%, and if you delay filing beyond 60 days, a minimum penalty kicks in. Furthermore, interest on unpaid amounts starts accruing immediately after the deadline, compounding daily, making timely payment essential to minimize financial repercussions. Penalty Rates Explained Filing your taxes after the April 15th deadline can lead to significant penalties and interest charges, which you should be aware of to avoid further financial strain. The IRS imposes a 5% penalty per month on unpaid taxes for late filing, capping at 25%. If you file your return more than 60 days late, the penalty is either $525 or 100% of your tax owed, whichever is less. For late payments, a 0.5% monthly penalty applies, increasing to 1% if unpaid after 10 days of notice. It’s vital to note that no penalties or interest accrue if you’re due a refund, regardless of how late your return is filed. Stay informed to minimize your costs effectively. https://www.youtube.com/watch?v=s1EvavyAOmU Interest Accrual Details Comprehending interest accrual on unpaid taxes is key to grasping the full financial implications of filing late. The IRS penalizes late filers with a 5% penalty per month, capping at 25% of the total owed. If your return is over 60 days late, expect a minimum penalty of $525 or 100% of the tax owed. Furthermore, late payments incur a 0.5% penalty monthly, spiking to 1% after 10 days of notice. Interest on any unpaid taxes and penalties starts accruing daily after the deadline. Fortunately, if you have a refund due, you won’t face any penalties or interest. Type of Charge Rate Late Filing Penalty 5% per month (max 25%) Minimum Late Penalty $525 or 100% of tax owed Late Payment Penalty 0.5% per month (1% after 10 days) Interest Accrual Compounds daily Steps to Take After Missing the Deadline Missing the April 15 tax deadline can feel intimidating, but taking swift action is crucial to minimize penalties and interest. First, file your tax return as soon as possible; the late-filing penalty starts at 5% of unpaid taxes per month, capped at 25%. If you owe taxes, paying them quickly reduces the interest that begins to accrue immediately after the deadline. You might qualify for a penalty waiver if you have a clean filing history or can show “reasonable cause” for the delay, even though interest on unpaid amounts will still apply. If you can’t pay your taxes in full, consider setting up a payment plan with the IRS, as options vary based on your owed amount and financial situation. Paying Your Taxes: Options Available After addressing the immediate steps to take if you’ve missed the tax deadline, it’s important to explore the various options available for paying your taxes. You have several methods at your disposal to make this process smoother: Electronic Funds Withdrawal: Pay taxes during e-filing. Direct Pay: Transfer funds directly from your bank account without fees. Credit or Debit Cards: Use authorized processors, but be aware of associated fees. Checks or Money Orders: Mail payments to the IRS, which incur no fees—just verify you use the correct address. Payment Plans: If you can’t pay in full, consider short-term or long-term plans by submitting IRS Form 9465. What to Do if You Can’t Pay Your Taxes If you find yourself unable to pay your taxes, it’s crucial to understand your options to avoid escalating penalties and interest. You can request an installment agreement using IRS Form 9465, allowing you to make monthly payments over time. Alternatively, should you be able to pay within 120 days, a short-term payment plan might be suitable, helping you avoid additional costs. Paying as much as possible as soon as you can will minimize interest accruing from the due date. If your financial situation is dire, you may qualify for an Offer in Compromise (OIC), enabling you to negotiate a reduced payment. Remember, filing your return on time, even though you can’t pay in full, helps avoid the higher late-filing penalty. Option Description Timeframe Installment Agreement Monthly payments over time Flexible Short-Term Payment Plan Pay owed taxes within 120 days 120 days Offer in Compromise (OIC) Negotiate a reduced payment based on ability to pay Varies How Late Filing Affects Your Tax Refund Filing your taxes after April 15th can impact your refund in several ways. Although you won’t face penalties if you’re owed a refund, your money will be delayed, and the IRS typically processes these refunds within 21 days of e-filing. Nevertheless, if you wait too long to file, you risk losing your refund altogether, as claims must be made within three years of the original due date. Penalties for Late Filing Late filing can lead to significant penalties that affect your overall tax situation. If you owe money and file late, you’ll incur a penalty of 5% per month on the unpaid taxes, capped at 25%. Furthermore, if your return is over 60 days late, you could face a minimum penalty of $525 or 100% of the tax owed. Interest on any unpaid taxes starts accruing immediately after the deadline. Although you won’t incur penalties if you’re due a refund, your refund will be delayed. It’s crucial to file your tax return as soon as possible to minimize further penalties and interest. Filing late costs you money. Penalties can accumulate quickly. Interest starts immediately. Refunds will be delayed. Timely filing helps avoid stress. Impact on Refund Timing When you submit your tax return after the April 15 deadline, you won’t face penalties if you’re expecting a refund, but it can considerably delay the processing of that refund. The IRS prioritizes timely submissions, so late filings often experience significant delays. Although you have up to three years to file for a refund without penalties, waiting too long can mean missing out on potential interest earnings that start accruing 45 days after the due date. If you owe taxes and file late, any refund will be applied to your outstanding balance, further delaying any remaining refund amount. Comprehending these factors can help you better manage your expectations regarding your tax refund timing. Requesting a Penalty Waiver Though tax season typically ends on April 15th, circumstances can arise that prevent you from filing on time, leading to potential penalties. If you find yourself in this situation, you might qualify for a penalty waiver from the IRS. Here’s what you need to know: The IRS may waive penalties for first-time offenders with a clean filing history. You must demonstrate “reasonable cause,” such as unavoidable circumstances preventing timely filing. Supporting documentation may be required, showing evidence of your situation. Although penalties can be waived, keep in mind that interest on unpaid taxes will still accrue. Act quickly to file your return and request a waiver, as penalties continue to accumulate until your return is filed and taxes are paid. Setting up a Payment Plan With the IRS If you owe taxes after missing the April 15 deadline, setting up a payment plan with the IRS can help you manage your debt more effectively. You’ll need to complete IRS Form 9465 to apply, and depending on the amount owed, you may qualify for either a short-term or long-term plan. It’s important to stay current with your payments to avoid penalties and interest, so comprehending the eligibility requirements and application steps is vital. Eligibility for Payment Plans Many taxpayers find themselves in need of a payment plan when they owe money to the IRS but can’t pay it all at once. To qualify for a streamlined payment plan, you must owe $50,000 or less in combined tax, penalties, and interest. Here are a few key points to contemplate: You can set up a payment plan using IRS Form 9465, available online, by mail, or by phone. The IRS charges a setup fee, varying by how you establish the plan. You’ll need to file future tax returns on time. Payments must be made on time to maintain good standing. If payments are unaffordable, think about requesting an Offer in Compromise. Application Process Steps Setting up a payment plan with the IRS is a practical option for taxpayers who find themselves unable to pay their tax bill in full by the deadline. To begin, complete Form 9465, which allows for monthly payments based on your balance. You can apply online if you owe $50,000 or less in total tax, penalties, and interest. Here’s a quick overview of the types of plans available and their fees: Type of Plan Duration Fee Short-term Up to 120 days $0-$31 Long-term Up to 72 months $0-$107 Remember to file future tax returns on time and pay any new taxes owed to avoid defaulting. The Importance of Filing Even if You Expect a Refund Filing your tax return, even after the April 15 deadline, is essential if you expect a refund, as it triggers the process to reclaim your overpaid taxes. If you don’t file, you could miss out on money that’s rightfully yours. You have up to three years from the original deadline to file for a refund, but after that, you forfeit it. During this time, the IRS won’t penalize you for late filing when expecting a refund, but it’s still necessary to initiate your claim. Here are some reasons why you should file: It starts the refund process, getting your money back sooner. Late filings may lead to longer wait times because of backlogs. It helps maintain good standing with the IRS. Unfiled returns can cause complications down the line. Filing protects your right to claim the refund you deserve. Filing Back Taxes: What You Need to Know If you’ve missed the April 15 deadline and need to address your tax situation, comprehension of how to file back taxes is significant. You can still file your tax return and claim a refund within three years, avoiding penalties. Nonetheless, if you owe taxes, it’s essential to file as soon as possible to minimize accruing penalties and interest, which can add up to 5% per month on unpaid amounts, capped at 25%. To file back taxes, complete the necessary tax forms for each year you’re addressing, available on the IRS website or through tax software. Payment of any owed amounts is equally important, as the IRS imposes a 0.5% late payment penalty per month. If you have a clean filing history or can show a “reasonable cause” for your delay, consider applying for a penalty waiver, even though interest on unpaid taxes remains non-negotiable. Resources for Assistance With Late Tax Filing Steering through the intricacies of late tax filing can be intimidating, but several resources are available to help you through the process. Whether you’re unsure about penalties or need specific guidance, these options can make a significant difference: IRS Interactive Tax Assistant: Use this tool on the IRS website for guidance on late filing options and penalties. Direct IRS Contact: Call 1-800-829-1040 for personalized assistance regarding your unique situation. VITA and TCE Programs: Access free tax help if you meet eligibility criteria through these programs. Online Tax Software: Utilize platforms that offer built-in support for late filings and penalty calculations. IRS Website Resources: Find detailed information on filing back taxes and requesting penalty relief if applicable. Frequently Asked Questions Can I Still File My Taxes After April 15? Yes, you can still file your taxes after April 15. Nevertheless, if you owe taxes, you might face penalties and interest. It’s important to file as soon as possible to minimize these costs. Keep in mind that if you’re expecting a refund, there are no penalties for late filing, and you can claim your refund within three years of the due date. How Can I File an Income Tax Return After the Due Date? To file your income tax return after the due date, you’ll need to complete a paper return and mail it to the IRS. If you’re expecting a refund, there’s no penalty for late filing, but you must file within three years to claim it. If you owe taxes, file quickly to minimize penalties and interest. Consider requesting a penalty waiver if you have a good filing history or a valid reason for the delay. Can I Submit a Tax Return After the Deadline? Yes, you can submit a tax return after the deadline. If you owe taxes, be aware that penalties and interest apply, starting at 5% per month. Nevertheless, if you expect a refund, there are no penalties for late filing, but you must claim it within three years. To minimize penalties, file your return as soon as possible, regardless of whether you can’t pay the full amount owed. After October 15th, only paper forms are accepted. What Happens if I Do a Late Tax Return? If you file a late tax return, you’ll likely face penalties and interest on any unpaid taxes. The penalty is 5% of the unpaid amount for each month late, capping at 25%. If you’re over 60 days late, the minimum penalty is $525 or 100% of the tax owed. Interest accumulates immediately, increasing your overall debt. To avoid further complications, it’s best to file as soon as possible and consider a payment plan if needed. Conclusion Filing taxes after April 15th can be manageable if you follow the right steps. Gather your documents, complete IRS Form 1040, and submit your return by mail. Remember to include any payments owed to reduce penalties. Consider applying for a penalty waiver or setting up a payment plan if necessary. Regardless of whether you expect a refund, it’s important to file to avoid complications. Utilize available resources for guidance to guarantee you meet your tax obligations effectively. Image via Google Gemini and ArtSmart This article, "How to File Taxes After April 15th" was first published on Small Business Trends View the full article

Bank set to join select list of corporate partners ahead of 2028 Games in Los Angeles View the full article

"Wildfire risk is not just an occasional catastrophe, but a recurring cost embedded in the state's economy," said the report issued this week by the California Earthquake Authority. View the full article

If you’re considering entering the senior care industry, exploring top franchise opportunities can be a strategic move. Franchises like Home Instead Senior Care and HomeWell Care Services offer diverse services and support systems for new business owners. Assisting Hands Home Care and Senior Helpers focus on client well-being and companionship, whereas Right at Home provides extensive franchisee backing. Comprehending each option’s unique offerings is essential for making an informed decision about your future in this growing sector. Key Takeaways Home Instead Senior Care: Offers personalized non-medical care, extensive franchise support, and specializes in Alzheimer’s care with over 1,200 global units. HomeWell Care Services: Features accessible startup costs and personalized programs, providing comprehensive training and ongoing business coaching for franchisees. Assisting Hands Home Care: Delivers a mix of medical and non-medical services, maintaining high-quality standards with prescreened assistants and robust franchise support. Senior Helpers: Focuses on companion care and Alzheimer’s support, with over 300 locations, emphasizing tailored care plans and community involvement. Right at Home: Provides customizable non-medical in-home care, recognized for comprehensive franchisee support, with a minimum investment of $150,000 required. Home Instead Senior Care When you consider entering the senior care franchise market, Home Instead Senior Care stands out as a leading option due to its established reputation and broad support system. Founded in 1995, it operates over 1,200 franchise units globally, specializing in personalized non-medical care for seniors. As a prospective franchisee, you’ll receive thorough training and ongoing support, equipping you to deliver high-quality home health care services. Home Instead focuses on specialized offerings like Alzheimer’s care, companionship, and daily assistance, addressing seniors’ unique needs. With a robust marketing support system and award-winning resources, you’ll improve your ability to attract clients. The competitive investment range makes it one of the most profitable senior care franchises, providing valuable home care franchise opportunities. HomeWell Care Services HomeWell Care Services is a prominent player in the non-medical home care sector, with over 120 franchises across the United States. This home care services franchise offers excellent home health care franchise opportunities, catering to seniors through personalized programs like fall prevention and post-hospital recovery. With a minimum cash requirement of $49,950, it stands as an accessible option for those exploring senior care franchise for sale. Franchisees benefit from extensive training and marketing tools, positioning them among the best BrightStar Care franchises. Ongoing support, including operations guidance and business coaching, guarantees your success in this rewarding field. Assisting Hands Home Care Assisting Hands Home Care, founded in 2006, stands out in the senior care franchise environment by offering a blend of medical and non-medical services. With about 200 units across the U.S., this elderly care franchise focuses on balancing client well-being with their independence. By maintaining a prescreened pool of assistants, Assisting Hands guarantees high-quality service, meeting the growing demand for personalized in-home care solutions. As one of the best home care franchises, it provides franchisees thorough training and ongoing support, equipping them for success in the competitive senior care market. Tapping into healthcare franchise opportunities, Assisting Hands offers a solid choice for those seeking a top-rated home care franchise in the broadening home care industry. Senior Helpers Senior Helpers, established in 2002, has carved out a significant niche in the senior care industry with its extensive in-home services. As a home care franchise, it offers a variety of senior care business opportunities, making it one of the best senior care franchises available. Here’s what you can expect: Thorough companion care for daily activities. Specialized support for Alzheimer’s and dementia patients. Personalized care plans customized to individual needs. With over 300 locations nationwide, Senior Helpers emphasizes community engagement, encouraging loyalty among families seeking care. The investment to start a Senior Helpers franchise typically ranges from $100,000 to $150,000, aligning with those exploring home healthcare franchise opportunities. It’s a solid choice among the top home health care franchises. Right at Home Right at Home stands out as a leading franchise in the senior care industry, having been established in 1995. With over 500 locations worldwide, it offers non-medical in-home care services for seniors and adults with disabilities. This franchise requires a minimum cash investment of $150,000 and operates in numerous states, making it a viable option among home health care franchises for sale. Right at Home is recognized as one of the best home healthcare franchises, focusing on franchisee support through thorough training in HR, marketing, and compliance. The customizable business model allows you to cater to local market needs, positioning it among the top BrightStar Care franchises and one of the 10 best senior care franchises to own. Frequently Asked Questions What Are the Top Senior Care Franchises? The top senior care franchises include Visiting Angels, known for its personalized services, and SYNERGY HomeCare, recognized as the fastest-growing company in the sector. HomeWell Franchising offers a full-service model, whereas Right at Home emphasizes meaningful career opportunities. Amada Senior Care focuses on in-home care and long-term insurance advocacy. Each franchise has different investment requirements, allowing you to choose based on your budget and business goals. What Is the Highest Paying Franchise to Own? The highest paying franchise to own typically offers diversified services and established brand recognition. Successful franchisees often see revenues exceeding $1 million annually. Industries like senior care, particularly with companies such as Visiting Angels and Right at Home, demonstrate strong financial performance and return on investment. As demand for services continues to rise, especially with an aging population, these franchises present a lucrative opportunity for investors seeking stability and growth in their business endeavors. Is a Senior Care Franchise Profitable? Yes, a senior care franchise can be profitable. The industry’s growth is driven by the increasing demand for home care services, with nearly 12 million people in the U.S. currently receiving care. Investment costs vary, making it accessible for many. Established IBM brands provide support that boosts success rates, as independent businesses often struggle. Plus, opportunities for multi-unit ownership can lead to higher returns, enhancing your potential profitability in this growing market. How Much Does It Cost to Open a Seniors Helping Seniors Franchise? To open a Seniors Helping Seniors franchise, you’ll need an initial investment between $50,000 and $100,000. This amount covers the franchise fee and other startup costs. You must furthermore have at least $50,000 in liquid capital to manage early operational expenses. In addition, you’ll pay ongoing royalty fees of 5% of your gross sales, which helps support the brand. Thorough training and ongoing support are included to help you succeed in this market. Conclusion In conclusion, exploring these top senior care franchise opportunities can help you find a suitable business venture in a quickly growing industry. Each franchise—Home Instead Senior Care, HomeWell Care Services, Assisting Hands Home Care, Senior Helpers, and Right at Home—offers distinct services and support systems customized to meet diverse needs. By considering factors like training, investment levels, and specializations, you can make an informed decision that aligns with your entrepreneurial goals in the senior care sector. Image via Google Gemini This article, "Explore Top 5 Senior Care Franchise Opportunities" was first published on Small Business Trends View the full article

If you’re considering entering the senior care industry, exploring top franchise opportunities can be a strategic move. Franchises like Home Instead Senior Care and HomeWell Care Services offer diverse services and support systems for new business owners. Assisting Hands Home Care and Senior Helpers focus on client well-being and companionship, whereas Right at Home provides extensive franchisee backing. Comprehending each option’s unique offerings is essential for making an informed decision about your future in this growing sector. Key Takeaways Home Instead Senior Care: Offers personalized non-medical care, extensive franchise support, and specializes in Alzheimer’s care with over 1,200 global units. HomeWell Care Services: Features accessible startup costs and personalized programs, providing comprehensive training and ongoing business coaching for franchisees. Assisting Hands Home Care: Delivers a mix of medical and non-medical services, maintaining high-quality standards with prescreened assistants and robust franchise support. Senior Helpers: Focuses on companion care and Alzheimer’s support, with over 300 locations, emphasizing tailored care plans and community involvement. Right at Home: Provides customizable non-medical in-home care, recognized for comprehensive franchisee support, with a minimum investment of $150,000 required. Home Instead Senior Care When you consider entering the senior care franchise market, Home Instead Senior Care stands out as a leading option due to its established reputation and broad support system. Founded in 1995, it operates over 1,200 franchise units globally, specializing in personalized non-medical care for seniors. As a prospective franchisee, you’ll receive thorough training and ongoing support, equipping you to deliver high-quality home health care services. Home Instead focuses on specialized offerings like Alzheimer’s care, companionship, and daily assistance, addressing seniors’ unique needs. With a robust marketing support system and award-winning resources, you’ll improve your ability to attract clients. The competitive investment range makes it one of the most profitable senior care franchises, providing valuable home care franchise opportunities. HomeWell Care Services HomeWell Care Services is a prominent player in the non-medical home care sector, with over 120 franchises across the United States. This home care services franchise offers excellent home health care franchise opportunities, catering to seniors through personalized programs like fall prevention and post-hospital recovery. With a minimum cash requirement of $49,950, it stands as an accessible option for those exploring senior care franchise for sale. Franchisees benefit from extensive training and marketing tools, positioning them among the best BrightStar Care franchises. Ongoing support, including operations guidance and business coaching, guarantees your success in this rewarding field. Assisting Hands Home Care Assisting Hands Home Care, founded in 2006, stands out in the senior care franchise environment by offering a blend of medical and non-medical services. With about 200 units across the U.S., this elderly care franchise focuses on balancing client well-being with their independence. By maintaining a prescreened pool of assistants, Assisting Hands guarantees high-quality service, meeting the growing demand for personalized in-home care solutions. As one of the best home care franchises, it provides franchisees thorough training and ongoing support, equipping them for success in the competitive senior care market. Tapping into healthcare franchise opportunities, Assisting Hands offers a solid choice for those seeking a top-rated home care franchise in the broadening home care industry. Senior Helpers Senior Helpers, established in 2002, has carved out a significant niche in the senior care industry with its extensive in-home services. As a home care franchise, it offers a variety of senior care business opportunities, making it one of the best senior care franchises available. Here’s what you can expect: Thorough companion care for daily activities. Specialized support for Alzheimer’s and dementia patients. Personalized care plans customized to individual needs. With over 300 locations nationwide, Senior Helpers emphasizes community engagement, encouraging loyalty among families seeking care. The investment to start a Senior Helpers franchise typically ranges from $100,000 to $150,000, aligning with those exploring home healthcare franchise opportunities. It’s a solid choice among the top home health care franchises. Right at Home Right at Home stands out as a leading franchise in the senior care industry, having been established in 1995. With over 500 locations worldwide, it offers non-medical in-home care services for seniors and adults with disabilities. This franchise requires a minimum cash investment of $150,000 and operates in numerous states, making it a viable option among home health care franchises for sale. Right at Home is recognized as one of the best home healthcare franchises, focusing on franchisee support through thorough training in HR, marketing, and compliance. The customizable business model allows you to cater to local market needs, positioning it among the top BrightStar Care franchises and one of the 10 best senior care franchises to own. Frequently Asked Questions What Are the Top Senior Care Franchises? The top senior care franchises include Visiting Angels, known for its personalized services, and SYNERGY HomeCare, recognized as the fastest-growing company in the sector. HomeWell Franchising offers a full-service model, whereas Right at Home emphasizes meaningful career opportunities. Amada Senior Care focuses on in-home care and long-term insurance advocacy. Each franchise has different investment requirements, allowing you to choose based on your budget and business goals. What Is the Highest Paying Franchise to Own? The highest paying franchise to own typically offers diversified services and established brand recognition. Successful franchisees often see revenues exceeding $1 million annually. Industries like senior care, particularly with companies such as Visiting Angels and Right at Home, demonstrate strong financial performance and return on investment. As demand for services continues to rise, especially with an aging population, these franchises present a lucrative opportunity for investors seeking stability and growth in their business endeavors. Is a Senior Care Franchise Profitable? Yes, a senior care franchise can be profitable. The industry’s growth is driven by the increasing demand for home care services, with nearly 12 million people in the U.S. currently receiving care. Investment costs vary, making it accessible for many. Established IBM brands provide support that boosts success rates, as independent businesses often struggle. Plus, opportunities for multi-unit ownership can lead to higher returns, enhancing your potential profitability in this growing market. How Much Does It Cost to Open a Seniors Helping Seniors Franchise? To open a Seniors Helping Seniors franchise, you’ll need an initial investment between $50,000 and $100,000. This amount covers the franchise fee and other startup costs. You must furthermore have at least $50,000 in liquid capital to manage early operational expenses. In addition, you’ll pay ongoing royalty fees of 5% of your gross sales, which helps support the brand. Thorough training and ongoing support are included to help you succeed in this market. Conclusion In conclusion, exploring these top senior care franchise opportunities can help you find a suitable business venture in a quickly growing industry. Each franchise—Home Instead Senior Care, HomeWell Care Services, Assisting Hands Home Care, Senior Helpers, and Right at Home—offers distinct services and support systems customized to meet diverse needs. By considering factors like training, investment levels, and specializations, you can make an informed decision that aligns with your entrepreneurial goals in the senior care sector. Image via Google Gemini This article, "Explore Top 5 Senior Care Franchise Opportunities" was first published on Small Business Trends View the full article

It’s about to get a bit easier to find a Trader Joe’s near you. The grocer just announced it will open 18 new stores across 12 states, including multiple locations in a handful of states, over the next several months. Trader Joe’s announced the new locations with a series of “Coming Soon!” announcements. Currently, the chain is in 42 states, leaving only a handful of states, including Alaska, Hawaii, Mississippi, Montana, North Dakota, South Dakota, West Virginia, and Wyoming, without a Trader Joe’s store. The latest cluster of openings will include locations in Arizona, California, Florida, Georgia, Illinois, Kansas, Louisiana, Massachusetts, New Jersey, Texas, Utah, and Washington. The expansion is just the latest set of new store openings for Trader Joe’s, as the chain has already announced eight new locations earlier this year. That was after it opened around 30 new stores in 2025, bringing its total to over 600 stores in the U.S. On a recent episode of the “Inside Trader Joe’s” podcast, TJ’s marketing executives Tara Miller and Matt Sloan opened up about how the company decides on new locations sites, explaining that population density, traffic patterns, which may dictate how easy it is to get to the location, and ample parking, are all factors in the decision-making process. “We’re adding lots of stores,” Miller explained. “Even though we’re a company that’s been in business for close to 60 years at this point, we are growing.” The executive added that, while the brand is opening many new stores, it’s a process that doesn’t “happen overnight,” but is done carefully and with a lot of intention. “We’re growing at a pace that we can sustain,” Miller added. The latest batch of stores slated to open this year includes the following locations: 2150 E Broadway Blvd., Tucson, Arizona 2457 Golden Hill Rd., Paso Robles, California 6336 E Santa Ana Canyon Rd., Anaheim Hills, California 1444 North Alafaya Trail, Orlando, Florida 8111 S Dixie Hwy., West Palm Beach, Florida 1000 Medley Blvd., Johns Creek, Georgia 1930 US-34, Oswego, Illinois 8700 Shawnee Mission Pkwy., Merriam, Kansas 3377 U.S. Hwy. 190, Mandeville, Louisiana 2428 Napoleon Ave., New Orleans, Louisiana 1710 Camellia Blvd., Lafayette, Louisiana 34 Walkers Brook Dr., Reading, Massachusetts 471 Mt Pleasant Ave., West Orange, New Jersey 8101 Eldorado Pkwy., McKinney, Texas 4850 W 13400 South Herriman, Utah 14035 NE Woodinville Duvall Rd., Woodinville, Washington 13414 E Sprague Ave., Spokane Valley, Washington 401 NE Northgate Way, Seattle, Washington View the full article

Oracle and Oracle NetSuite have unveiled a new solution tailored for the restaurant industry: Oracle NetSuite Restaurant Operations. This cutting-edge platform aims to enhance operational efficiency and profitability for restaurants by streamlining critical back-office functions. With the increasing pressure on restaurant owners to optimize costs while delivering exceptional customer experiences, this new offering integrates key operational aspects into a single, AI-powered system. The centralized platform combines inventory management, procurement, scheduling, production, and cash management. By consolidating these essential functions, Restaurant Operations provides real-time visibility and actionable insights. This resource is particularly valuable for small to medium-sized restaurant owners who often juggle many tasks with limited resources. Alex Alt, Oracle’s executive vice president and general manager of Commercial Cloud Applications, emphasized the urgency for restaurant leaders to push for operational efficiencies. “Restaurant and hospitality leaders are under pressure to drive operational efficiencies and do more with less, while delivering an exceptional customer experience,” he stated. The AI-driven nature of this platform aims to empower restaurant operators to unlock rapid innovation while maintaining cost-effectiveness. Restaurant Operations is designed to cater to a wide range of establishments, from single-location startups to expansive global franchises. The platform is built upon over 25 years of industry experience in hospitality and restaurant financial best practices. This foundational knowledge equips restaurants with the flexible and scalable tools necessary for navigating today’s competitive landscape. One of the standout features of Restaurant Operations is its enhanced user interface, which boosts both accuracy and speed. Notably, its embedded AI toolsets automate repetitive tasks, allowing staff to focus on higher-value activities. For instance, AI-driven analysis helps identify trends and make predictions in critical areas such as inventory management—an essential function that can significantly impact a restaurant’s bottom line. Brian Chess, Oracle NetSuite’s senior vice president of AI, noted, “Restaurants have traditionally relied on a patchwork of systems to manage inventory, purchasing, finance, and other critical processes.” The new solution eliminates this fragmentation by integrating operational and financial data into a unified platform. This consolidation provides real-time visibility into performance across multiple locations, thus simplifying decision-making and reducing operational complexity. For small business owners in the restaurant sector, the practical applications of Oracle NetSuite Restaurant Operations are clear. From having a single source for tracking key performance indicators (KPIs) to receiving tailored insights for better inventory control, the platform aims to enhance day-to-day operations substantially. It allows restaurant owners to spend less time managing disparate systems and more time focusing on delivering positive customer experiences and driving sales. While the advantages are compelling, small business owners should also consider potential challenges. Transitioning from multiple existing systems to a unified platform may require upfront investment and a learning curve for staff. Moreover, the implementation may necessitate adjustments in current processes, which could temporarily disrupt operations. However, the long-term benefits of improved efficiency and data visibility often outweigh these initial hurdles. Oracle NetSuite Restaurant Operations will be available globally within the next 12 months, with support for localization in over 110 countries, 190 currencies, and 27 languages. This extensive reach signifies Oracle’s commitment to catering to restaurants of all sizes, empowering them with tools to stay competitive in an ever-evolving market. As the restaurant industry continues grappling with rising operational costs and customer expectations, tools like Oracle NetSuite Restaurant Operations could be pivotal for small business owners aiming to thrive. This ambitious solution not only promotes efficiency but also fosters an environment conducive to growth and sustainability. For more details on this new offering, visit the original announcement here: Oracle NetSuite Restaurant Operations. Image via Google Gemini This article, "Oracle Unveils AI-Driven Solution to Streamline Restaurant Operations" was first published on Small Business Trends View the full article

Oracle and Oracle NetSuite have unveiled a new solution tailored for the restaurant industry: Oracle NetSuite Restaurant Operations. This cutting-edge platform aims to enhance operational efficiency and profitability for restaurants by streamlining critical back-office functions. With the increasing pressure on restaurant owners to optimize costs while delivering exceptional customer experiences, this new offering integrates key operational aspects into a single, AI-powered system. The centralized platform combines inventory management, procurement, scheduling, production, and cash management. By consolidating these essential functions, Restaurant Operations provides real-time visibility and actionable insights. This resource is particularly valuable for small to medium-sized restaurant owners who often juggle many tasks with limited resources. Alex Alt, Oracle’s executive vice president and general manager of Commercial Cloud Applications, emphasized the urgency for restaurant leaders to push for operational efficiencies. “Restaurant and hospitality leaders are under pressure to drive operational efficiencies and do more with less, while delivering an exceptional customer experience,” he stated. The AI-driven nature of this platform aims to empower restaurant operators to unlock rapid innovation while maintaining cost-effectiveness. Restaurant Operations is designed to cater to a wide range of establishments, from single-location startups to expansive global franchises. The platform is built upon over 25 years of industry experience in hospitality and restaurant financial best practices. This foundational knowledge equips restaurants with the flexible and scalable tools necessary for navigating today’s competitive landscape. One of the standout features of Restaurant Operations is its enhanced user interface, which boosts both accuracy and speed. Notably, its embedded AI toolsets automate repetitive tasks, allowing staff to focus on higher-value activities. For instance, AI-driven analysis helps identify trends and make predictions in critical areas such as inventory management—an essential function that can significantly impact a restaurant’s bottom line. Brian Chess, Oracle NetSuite’s senior vice president of AI, noted, “Restaurants have traditionally relied on a patchwork of systems to manage inventory, purchasing, finance, and other critical processes.” The new solution eliminates this fragmentation by integrating operational and financial data into a unified platform. This consolidation provides real-time visibility into performance across multiple locations, thus simplifying decision-making and reducing operational complexity. For small business owners in the restaurant sector, the practical applications of Oracle NetSuite Restaurant Operations are clear. From having a single source for tracking key performance indicators (KPIs) to receiving tailored insights for better inventory control, the platform aims to enhance day-to-day operations substantially. It allows restaurant owners to spend less time managing disparate systems and more time focusing on delivering positive customer experiences and driving sales. While the advantages are compelling, small business owners should also consider potential challenges. Transitioning from multiple existing systems to a unified platform may require upfront investment and a learning curve for staff. Moreover, the implementation may necessitate adjustments in current processes, which could temporarily disrupt operations. However, the long-term benefits of improved efficiency and data visibility often outweigh these initial hurdles. Oracle NetSuite Restaurant Operations will be available globally within the next 12 months, with support for localization in over 110 countries, 190 currencies, and 27 languages. This extensive reach signifies Oracle’s commitment to catering to restaurants of all sizes, empowering them with tools to stay competitive in an ever-evolving market. As the restaurant industry continues grappling with rising operational costs and customer expectations, tools like Oracle NetSuite Restaurant Operations could be pivotal for small business owners aiming to thrive. This ambitious solution not only promotes efficiency but also fosters an environment conducive to growth and sustainability. For more details on this new offering, visit the original announcement here: Oracle NetSuite Restaurant Operations. Image via Google Gemini This article, "Oracle Unveils AI-Driven Solution to Streamline Restaurant Operations" was first published on Small Business Trends View the full article

It’s the Friday open thread! The comment section on this post is open for discussion with other readers on any work-related questions that you want to talk about (that includes school). If you want an answer from me, emailing me is still your best bet*, but this is a chance to take your questions to other readers. * If you submitted a question to me recently, please do not repost it here, as it may be in my queue to answer. The post open thread – April 10, 2026 appeared first on Ask a Manager. View the full article

Every major browser puts a thin strip of tabs at the top of the window. It's great, until you open dozens of tabs, and all you can really see are little website favicons. A better way exists—placing tabs vertically in a sidebar—but browsers have been resisting it for years. Arc was the first mainstream browser that pioneered a sidebar-based navigation system, and since then it has propagated to Chrome, Edge, Firefox, and Arc's spiritual successor, Zen browser. If you're using one of these browsers, I highly recommend making the switch. Why vertical tabs make more sense So much wasted space on the left and right. Credit: Khamosh Pathak Most websites are customized for a vertical reading experience, while laptops and desktops have widescreen displays. When you read articles on a website like Lifehacker, there's quite a lot of white space on the left and the right, while that vertical space is actually at a premium. Depending on your display size, your tabs might end up crunched along the top of the display, space that would otherwise be available for viewing the site in question. Moving the tab bar to a sidebar means you've freed up some useful space up top, with the added advantage of being able to see the names of all your tabs—even if you have 30 tabs open at once. How to enable vertical tabs in Google Chrome Credit: Khamosh Pathak Chrome was the last major browser to add support for vertical tabs, introducing the feature in April 2026. To enable vertical tabs in Chrome, update to the latest version, then go to Settings > Appearance > Tab strip position and switch to Side. All of your tabs will be shifted to a new vertical bar on the left. The URL bar with extensions will move to the top, and a lot of Chrome's interface will disappear. Chrome also offers a compact mode. You can click the Collapse Tabs icon at the top of the vertical sidebar to only show the website favicons as tabs to save even more space (hovering over a tab will show the tab title). You can still create tab groups from the top of the sidebar, and there's also a handy button to search between the tabs. Pinned tabs show up at the top in their own separate section, too. How to enable vertical tabs in Firefox Credit: Khamosh Pathak Firefox has a sidebar that lets you add features like an AI chatbot, browser history, and quick access to tabs from other devices. Firefox also lets you move the sidebar to the right-hand side if you wish. To enable vertical tabs here, go to Settings > General > Browser Layout > Vertical Tabs (and make sure that Show sidebar is enabled). When the sidebar is open, click the Customize Sidebar button to customize the shortcuts—including the ability to remove all the Firefox features and AI chatbot shortcuts. There's also a compact mode here that only shows the favicons, but reveals the entire sidebar when you hover on it. Use the Expand sidebar on hover feature to switch to this mode. How to enable vertical tabs in EdgeTo enable vertical tabs in Microsoft Edge, go to Settings > Appearance > Tab Actions > Show vertical tabs. Once set, you'll be able to toggle the sidebar from the toolbar up top. Because Edge is based on Chromium, the vertical sidebar works much like the one in Chrome. Pinned tabs show up top, and you can collapse the sidebar for a compact mode. Zen Browser has vertical tabs by default Credit: Justin Pot If you are in favor of vertical tabs, you really should consider using the Zen browser. Currently in beta, it's a spiritual successor to Arc (RIP) that is based on Firefox instead of Chromium, with a focus on privacy and speed. But what's particularly relevant for this piece is that Zen Browser uses a sidebar interface by default. Zen uses workspaces to divide up your work, personal life, or projects. Each space can have its own pinned tabs and its own workspace. You can add tabs to the "Essentials" space that stay the same no matter what. There's also a compact mode that hides the entire sidebar unless you hover on the edge of the window. To know more, take a look at our detailed guide on the Zen browser. View the full article

There’s a broad consensus that online reviews — especially Google reviews — should be a top priority for businesses that rely on local customers. Four of the top 15 ranking factors in Google Maps were related to reviews (quantity, quality, recency, and consistency), according to a recent Whitespark survey. Other surveys report that more than 80% of consumers use Google reviews to evaluate local businesses. For most of these businesses, the solution is straightforward: ask more customers for reviews, and then reply to those reviews. However, if you work in healthcare, you’ll inevitably find that things aren’t that simple. From soliciting reviews to responding to reporting fake engagement, medical facilities face unique dilemmas due to ethical standards and federal laws that limit review-related activities. That said, if you understand the obstacles and your options, there’s no reason you can’t be both competitive and compliant in the arena of healthcare reviews. After working in healthcare for over a decade, I’ll share the biggest obstacles I’ve faced, along with unique solutions. The catch-22 in mental health Years ago, I was assisting a therapist’s small private practice with local SEO. He only had a couple of reviews, so I pointed that out. That’s when he told me he wasn’t even allowed to ask for reviews. At the time, I was certain he must be mistaken. To my surprise, it was actually part of the code of ethics from the American Psychological Association (APA), which explicitly states therapists and psychologists can’t solicit testimonials from their clients (due to concerns of undue influence). With that in mind, the lack of reviews was certainly understandable, but it was still a problem for local SEO. And Google doesn’t seem to make any exceptions for the mental health field. After working with many more clients and employers in the mental health space since, this has proven to be a recurring obstacle. Mental health professionals need visibility on Google the same as any other local business, but one of the best ways to achieve that visibility isn’t even allowed in their field. The result, unfortunately, is that the practitioners who follow their ethics rules are often those with the least visibility on Google. The good news is that there are still ways to get reviews without crossing those ethical boundaries — although it might require utilizing some outside-the-box solutions. Your customers search everywhere. Make sure your brand shows up. The SEO toolkit you know, plus the AI visibility data you need. Start Free Trial Get started with A case study in mental healthcare reviews A few years ago, I started working with an addiction treatment center that had been doing well with reviews until a new local competitor opened and exceeded both the number of reviews and the average rating in less than one year (despite the client’s nearly 10 years in business). This competitor was increasingly outperforming them in local search, so something had to be done. However, my client wasn’t sure how they could have received so many reviews without crossing ethical boundaries. To outpace and keep up with this competitor’s reviews, we needed to secure 50 to 100 reviews and maintain a rate of at least one review per week. The problem was that the client hadn’t received consent from former patients for marketing texts or emails, and they also knew they couldn’t make soliciting reviews a day-to-day part of the clinical staff’s work. The solution Since the APA ethics rules primarily govern psychologists and clinicians, and because the reasoning behind the APA guidance relates to patients having undue influence, we determined that individuals who opted into alumni engagement and who were no longer in active treatment could be asked for a review (and only by non-clinical staff). We decided it made more sense to focus on expanding the alumni program rather than facing the review dilemma head-on or in a vacuum because: An alumni program would improve the overall patient experience and success rate, and it would be the best way to offer non-clinical experiences and interactions with other staff. We would designate the non-clinical alumni coordinator responsible for requesting reviews, and only from alumni (no ethical concerns). The alumni coordinator would have an in-person rapport with these patients (better for review conversion). So, we enacted the following: Tasked the alumni coordinator with review generation We didn’t create an incentive for the employee when they got reviews (I’ve never seen much success with that tactic anyway). Instead, we simply made it part of the job description and set the expectation that getting reviews every week was part of the gig. Now, we didn’t truly “enforce” this rule per se, but we did track it. When more than two weeks went by without any reviews, we would follow up with the alumni coordinator to see how things were going. Over time, the need for these check-ins decreased, and requesting reviews became part of the job. We made an online alumni group and QR code cards When someone graduated from the program, they would be encouraged to stay involved with the alumni community. The patient would be given a QR code to join a private online group to stay current on upcoming events. We also included a QR code for finding the phone number and driving directions to the facility (via a link to the Google Business Profile), making it easy to find where to leave a review if they felt inclined. When an alum verbally said they would leave a review, we texted them a link In my experience, most people will leave a review if you ask and make it easy to do. Many clients will agree to leave reviews, but unless you explicitly show them how, there’s rarely follow-through. It just might not be a priority for them, so they forget or put it on the back burner. Simplifying the review process worked well. A direct link sent via text drove higher completion rates — no questionnaires, no review gates, just a straight path to the Google Business Profile. The result In less than a year, we were able to generate 100 new reviews, outpacing the competitor. The average rating also improved from 4.6 to 4.8, which was also better than the competitor. In the second year, an additional 100 reviews were gathered, which meant we generated more reviews in two years than the first nine years of business combined. As of February 2026, the facility is just shy of 500 reviews, still averaging at least one review per week — without crossing any ethical boundaries. If you want to duplicate this review strategy, here’s the summary: Review owner: Designate a non-clinical staff member responsible for reviews, such as alumni coordinator (and make a review count goal part of their role). Review trigger: Alumni event attendance or joining the alumni community. Request methods: In person. Request delivery: Print materials with QR codes for patients to stay in touch, find the Google Business Profile, and consent to communications, followed by a direct link via text to leave a review. Tracking: Weekly review count. Follow up with the review owner when the weekly goal isn’t achieved. For third-party agencies and freelancers: If you help a healthcare client with an SMS service or share information about patient identities in any way between a “covered entity” and a third party, there should be a business associate agreement with those third-party vendors. What not to do when generating reviews: Don’t ask current mental health patients for reviews. Don’t “gate” reviews (it is against Google guidelines, and it reduces conversion). Don’t pressure or coerce clients or patients to leave a review. Don’t incentivize staff or clients to leave reviews. What if you’re a solo mental health practitioner? If you’re a therapist or psychologist who can’t rely on non-clinical staff to request reviews, you aren’t without options. Some other things I’ve had success with include: Reducing friction: Instead of an explicit “ask,” you can provide a QR code at checkout or a link in your follow-up emails that directs patients to your Google Business Profile for “Directions and Information,” making it easier for patients to leave a review if they are inclined to do so. Leveraging aggregate data: If you are in a high-sensitivity field (like behavioral health), you can also publish aggregate client satisfaction scores or patient outcome reports on your website and review platforms. While it may not have the same ranking impact as reviews for local search, it will provide similar social proof without the ethical questions. Get the newsletter search marketers rely on. See terms. Review replies and HIPAA compliance In addition to getting reviews, replying to them is also important. While medical businesses can post replies to reviews, the subject matter in their response is regulated. Merely acknowledging that a reviewer was a patient could be a risk under the Health Insurance Portability and Accountability Act (HIPAA) — even if the patient had already revealed as much in their review. That’s because HIPAA only regulates what providers share. Patients are free to share whatever they like about themselves online, but that doesn’t change the provider’s legal responsibility to protect health information. (One California hospital learned that the hard way in 2013 with a $275,000 settlement after a spokesman commented to the media, stating that a patient’s medical records contradicted their own accusatory Yelp review.) Generally, you should avoid acknowledging that the reviewer was a patient to remain compliant under HIPAA. Instead: Focus on policy, not the person: Keep the response focused on general facility policies and practices around the complaint rather than the reviewer’s exact situation. Move the conversation offline: Provide a direct line to a patient advocate or office manager. Avoid confirming status: Even if a patient says, “I was there yesterday,” your reply should never say, “We enjoyed seeing you.” While not legal advice, here are some example templates I often use when replying to reviews: Negative review reply template: “Privacy laws prevent us from confirming or denying whether any individual is a patient at our facility. However, we take all feedback seriously. Our policy regarding [insert issue] is [insert general policy]. If you would like to discuss a specific experience, please contact [insert contact instruction].” Positive review reply template: “Thank you for your kind words. We appreciate you taking the time to share feedback.” Why these work: These avoid patient status confirmation. For negative reviews, it explains why you can’t respond directly and offers an alternative way to discuss their concern in detail. Reporting reviews and HIPAA compliance You also can’t tell Google whether someone was a patient. This applies when reporting a review as fake engagement — claiming someone “wasn’t a customer” can be risky if you’re a covered entity under HIPAA. Instead, focus on other types of review violations. One of Google’s review policies regarding “misinformation” can be helpful in the healthcare industry. For example, I once had a client who received a review claiming the medication they were prescribed wasn’t safe. This was totally false and easy to prove since it was FDA-approved. Google ultimately removed the review when this was pointed out. Some of the other Google policies that can lead to the successful reporting of healthcare reviews include: Offensive content, such as unsubstantiated allegations of unethical behavior or criminal wrongdoing. Personally identifiable information (PII), such as the use of the first and last names of staff in the review. Off-topic, such as leaving a review for a different facility or location. Repetitive content, such as posting the same review from multiple accounts or the same review on multiple locations. When you report reviews to Google, be sure to: Correctly identify and list the policy category. Quote the exact offending line from the review. Provide evidence and explicitly explain why it violates the policy. Avoid reference to the reviewer’s relationship to the facility. See the complete picture of your search visibility. Track, optimize, and win in Google and AI search from one platform. Start Free Trial Get started with Building a compliant and effective review engine in healthcare Healthcare review management can be a compliance exercise, but the good news is you don’t have to choose between compliance and local SEO. You just have to build a review system designed for this industry’s reality: Build a compliant, consistent process rather than a “one-off” push. Assign ownership, set expectations, and track consistently. Reduce friction by making it easy to leave reviews via print materials and text messages, but without coercion, incentives, or asking current patients. Stay neutral when replying to reviews (or reporting them), and never confirm patient status in public. When reporting reviews, focus on other Google categories that don’t require patient status. Involve compliance leads in the review process. Unlike other fields, there are real liability risks with healthcare reviews. Done right, you can grow local visibility, protect patient privacy, and sustain review consistency — just like any other industry. View the full article