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Some mortgage companies are taking advantage of a loan-interest deduction that was designed to benefit community banks, a Washington State legislator alleged. View the full article

A median-income household could comfortably afford a $331,483 home with a 20% down payment in January, $30,000 more than a year ago, Zillow found. View the full article

Freelancers Union is pleased to introduce Elle Toussi as Interim Executive Director. Elle first joined Freelancers Union as a member, helping to organize local LA Spark events that fostered community, collaboration, and connection among independent workers. Her commitment to strengthening the freelancer community led her to serve as a Member Representative on the Board of Directors, after which she was elected as a permanent Board Member and, two years ago, chosen by her peers to serve as Chair of the Board. With more than 15 years of experience in journalism and production, Elle has built her career around storytelling and advocacy for creative and independent professionals. She is also the founder of Boom Dia Media, a production company dedicated to producing impact-driven films and media projects that elevate stories designed to inspire change. Throughout her career, she has remained deeply committed to amplifying the voices of independent workers and advancing a more equitable future for the freelance workforce. Have questions? Email us at community@freelancersunion.org. View the full article

Freelancers Union is pleased to introduce Elle Toussi as Interim Executive Director. Elle first joined Freelancers Union as a member, helping to organize local LA Spark events that fostered community, collaboration, and connection among independent workers. Her commitment to strengthening the freelancer community led her to serve as a Member Representative on the Board of Directors, after which she was elected as a permanent Board Member and, two years ago, chosen by her peers to serve as Chair of the Board. With more than 15 years of experience in journalism and production, Elle has built her career around storytelling and advocacy for creative and independent professionals. She is also the founder of Boom Dia Media, a production company dedicated to producing impact-driven films and media projects that elevate stories designed to inspire change. Throughout her career, she has remained deeply committed to amplifying the voices of independent workers and advancing a more equitable future for the freelance workforce. Have questions? Email us at community@freelancersunion.org. View the full article

The sector has specialized data that experts can help with and may mitigate cyclical risk, but costs and customers are considerations, an industry veteran says. View the full article

Whether you're a Samsung fan, an Android user, or just a tech enthusiast in general, you may want to clear your calendar: Samsung Unpacked 2026 is nearly here. Like Google I/O or Apple's fall event, Unpacked is Samsung's keynote, where the company shows off what it's been working on since, well, the last Unpacked. Like previous keynotes, this year's should be full of big Samsung news, all of which you can watch live as it happens. When is Galaxy Unpacked 2026?Samsung's big presentation will kick off in San Francisco on Wednesday, Feb. 25. Like many tech events, Galaxy Unpacked starts at 10 a.m. PT (1 p.m. ET). How to watch Galaxy Unpacked 2026While Samsung is hosting a live presentation for a limited number of media and guests, anybody can tune into Galaxy Unpacked 2026 as it happens. The company is streaming the show from a number of websites, including Samsung.com, Samsung Newsroom, and Samsung's official YouTube channel. The YouTube livestream is currently up, but, of course, you won't see much until 1 p.m. ET on Wednesday. What will Samsung announce at Galaxy Unpacked 2026?Usually, all we have is rumors and conjecture when reporting on what a company like Samsung will reveal during a big hardware event. We still need to do that in this case, but, that said, the company outright told us what its biggest announcement will be. When Samsung first announced Unpacked 2026 a couple weeks ago, it said that "the new Galaxy S series is coming," which, no doubt, refers to the Galaxy S26. Samsung says this new series is "built to simplify everyday interactions, inspire confidence, and make Galaxy AI feel seamlessly integrated from the moment it's in hand." Whatever that means. Unpacked 2026: Galaxy S26 seriesWe can look to rumors surrounding the S26 series to paint a picture of what to expect Wednesday. As it the norm, Samsung will likely release three main S26 units: the S26, S26 Plus, and S26 Ultra. It isn't clear whether the company will release an S26 Edge this year to follow up the S25 Edge. The standard S26 seems like it'll be a small upgrade over the current S25, though with one key change: The new Galaxy will house its three rear cameras on a raised camera bump, following in the footsteps of Apple and Google. Rumors are split as to whether the cameras themselves will be upgraded, with some speculating that the Ultra will jump from 12MP to 50MP. The S26 may pack a 6.3-inch AMOLED display, a 4,300 mAh battery, up to 12GB of RAM, and possible up to 512GB of storage. Samsung may be running with Qualcomm's Snapdragon 8 Elite Gen 5 to power the phone. The S26 Plus will likely be a similar phone, just with a larger 6.7-inch display. The S26 Ultra looks like it'll launch with four rear cameras, with three of them contained to the bump out. As usual, the Ultra is the largest of the bunch, sporting a rumored 6.9-inch display. It could even be a bit thinner than the current S25 Ultra. The cameras may get some upgrades too, though the raw numbers appear to the same as the S25 Ultra. For example, while both may have 200MP main sensors, the S26's sensor may get some upgrades. It, too, could come with Qualcomm's Snapdragon 8 Elite Gen 5 chip, as well as up to 16GB of RAM, up to 1TB of storage, a 5,000 mAh battery, and 60-watt fast wired charging. The entire S25 series may also support 25W fast wireless charing, and may start selling a 25W Qi2 charger that supports it. They may all also support satellite communications, which would let users call and text emergency services and contacts without cellular network—similar to Apple's Emergency SOS via satellite on iPhone. Unpacked 2026: Galaxy Buds 4Samsung will likely unveiled a new pair of earbuds Wednesday alongside the S26 series: Galaxy Buds 4 and Galaxy Buds 4 Pro. If the rumors are true, the Buds 4 will come in black and the Buds 4 Pro will come in white, though both will come with a charging case with a transparent lid. Besides color, the other big difference here is how the buds fit: The Buds 4 Pro are rumored to come with silicone tips, like AirPods Pro, while the Buds 4 do not, like Apple's standard AirPods. Unpacked 2026: AIFinally, expect some big AI announcements, especially as they pertain to the S26 series. In a press release on Sunday, Samsung announced an "expansion of Galaxy AI" to support "a choice of integrated agents." Specifically, Samsung is partnering with Perplexity to bring its AI agents to Galaxy devices. You'll be able to say "Hey Plex" to access the agent, and the bot will work across Samsung apps, like Calendar, Clock, Gallery, Notes, and Reminder. At the same time, the company is currently testing the latest version of its own assistant, Bixby, with One UI 8.5. The goal is to let users ask Bixby for things on their Galaxy device, such as "I don't want the screen to shut off when I'm looking at it," and the bot will adjust the proper settings in kind. The new Bixby can also access the web to answer questions, similar to other AI bots like ChatGPT or Gemini. Expect to hear more about this during Unpacked as well. View the full article

Building stronger relationships is crucial for personal and professional growth. Engaging in activities like icebreaker games, creative team projects, and coffee chats can greatly improve connections among individuals. Each activity encourages interaction, collaboration, and communication, leading to a deeper comprehension of one another. Incorporating regular feedback and shared experiences further strengthens these bonds. To explore specific activities you can implement, let’s examine each option and its potential impact on relationship building. Key Takeaways Icebreaker games like “Two Truths and a Lie” foster personal sharing and initiate group interaction, enhancing relationship building. Creative team collage projects encourage collaboration and individual expression, creating a sense of belonging and unity among participants. Engaging coffee chats promote personal storytelling and deepen connections by encouraging participants to share their experiences and interests. Weekly feedback circles create an environment of trust and open communication, enhancing team dynamics and relationships. Outdoor team activities facilitate teamwork and collaboration while promoting physical fitness, leading to improved moods and stronger bonds. Icebreaker Games to Spark Connection Icebreaker games serve as effective tools for initiating group interaction and cultivating a relaxed atmosphere, especially when you want to break down barriers among participants. These relationship building activities can help you and your partner or team members engage more openly. For instance, games like “Two Truths and a Lie” or “Guess the Group Member” encourage sharing personal facts, promoting a fun context for learning about each other. Tailoring these activities to your group dynamics guarantees they resonate and improve engagement. Furthermore, team building exercises for couples, such as the “Tower Building Challenge,” promote teamwork and communication, leading to stronger bonds. You can likewise use curated icebreakers in sessions like “Mix n’ Mingle” to spark conversations and develop deeper connections. By incorporating these bonding activities, couples can strengthen their relationships while enjoying the process of getting to know each other better. Creative Team Collage for Collaboration Creating a team collage project not just encourages collaboration but also allows team members to express their individual creativity. This activity is perfect for relationship building activities for couples, as it invites participants to contribute unique pieces that form a larger, cohesive artwork. Whether working together or individually, each member can express personal styles that showcase both their identity and the group’s essence. Once the collage is complete, presenting it promotes teamwork and communication, as team members explain their image choices and the meanings behind them. Displaying the finished collages in shared spaces improves visibility, pride, and unity, serving as a constant reminder of collective effort. Moreover, the creative process involved in making a team collage strengthens bonds, supports open dialogue, and encourages a sense of belonging within the group. This engaging project stands out as one of the effective team building activities for couples, enriching connections through shared creativity and collaboration. Engaging Coffee Chats for Personal Stories After exploring the creative dynamics of team collages, consider how engaging in Coffee Chats can further improve relationships among team members. These informal conversations encourage personal storytelling, which nurtures deeper connections. Using tools like the Donut Slack app, you can randomly pair coworkers, making it easy to implement in any work setting. By focusing on personal experiences instead of work topics, you strengthen camaraderie and a sense of belonging. Regularly scheduled Coffee Chats can serve as effective relationship-building exercises, helping maintain ongoing connections. Here’s a simple overview of how Coffee Chats can benefit your team: Benefits Description Frequency Recommendation Personal Connections Encourages sharing personal stories Bi-weekly Enhanced Engagement Boosts employee satisfaction Monthly Stronger Camaraderie Builds trust among team members Weekly Ongoing Relationships Facilitates continuous interactions Regularly Fun Guess the Group Member Activity In the “Guess the Group Member” activity, each person anonymously shares a personal fact, which the group then tries to match with the right individual. This approach not only improves team interaction but additionally encourages members to reveal unique or interesting details about themselves. Personal Fact Submission How can a simple game improve connections within your team? The “Guess the Group Member” activity involves participants submitting fun or surprising personal facts anonymously. These facts can include unique hobbies or unusual experiences. The facilitator compiles and reads the facts aloud, prompting the group to guess which fact belongs to which member. This process encourages team members to learn more about each other in a light-hearted manner, breaking down barriers and nurturing camaraderie. As participants guess, they often share laughter and stories, creating a relaxed atmosphere that amplifies connections. To boost engagement, consider setting a time limit for guesses or offering a prize for the individual who identifies the most facts correctly, reinforcing participation and attentiveness. Enhance Team Interaction Engaging in activities that promote interaction among team members can greatly improve workplace relationships. One effective option is the “Guess the Group Member” activity, where participants submit personal facts anonymously. These facts are then read aloud, and the group guesses which team member corresponds to each fact. This encourages conversation and helps team members learn unique, interesting details about one another, cultivating a deeper sense of connection. You can tailor the facts to fit your group’s dynamics, making them funny or insightful to keep everyone engaged. The activity works well in-person or virtually, utilizing tools like whiteboarding software or chat features. Plus, the duration of the game can be adjusted to fit your team’s schedule, offering great flexibility for team-building sessions. Personality Tests for Understanding Each Other Personality tests serve as valuable tools for promoting insight in relationships. By using assessments like the Myers-Briggs Type Indicator (MBTI) or the Enneagram, you can gain a deeper comprehension of your own traits and those of your partner. This knowledge boosts empathy and communication, helping you navigate differences effectively. Personality Test Key Insight MBTI Identifies preferred ways of thinking and behaving. Enneagram Reveals core motivations and emotional patterns. Results Sharing Sparks meaningful conversations about interactions. Teamwork Encourages strategizing on complementary strengths. Engaging in personality tests together can promote teamwork, allowing you to leverage each other’s strengths in various situations. Regularly revisiting these insights can help you maintain ongoing discussions about growth, reinforcing connection and comprehension in your relationship. Shared Interests Discussions for Deeper Bonds When you engage in discussions about shared interests, you uncover common hobbies that can promote stronger connections. By sharing personal experiences related to these interests, you deepen your comprehension of one another, which improves your emotional bond. This practice not just enriches your relationships but additionally opens doors to new activities you might want to explore together. Finding Common Hobbies Finding common hobbies can serve as a gateway to deeper relationships, as shared interests discussions provide a platform for participants to explore their passions and experiences. When you engage in conversations about mutual interests, you might uncover new hobbies to pursue together, enhancing your bond. Research shows that discussing personal interests cultivates empathy and rapport, making it easier to build trust. By sharing stories related to your hobbies, you create a relaxed atmosphere that encourages open communication. Regularly integrating these discussions into group settings can greatly improve team dynamics, as they establish common ground among members. In the end, finding and nurturing shared hobbies strengthens connections and promotes collaboration, leading to more fulfilling relationships. Sharing Personal Experiences Sharing personal experiences during discussions about hobbies and passions can greatly improve the depth of relationships among group members. When you engage in conversations about shared interests, you create an opportunity for everyone to contribute personal stories. This not only helps you discover new interests but also strengthens the bonds within your team. These discussions can take place in informal settings or structured activities, making them adaptable to various group dynamics. Research shows that openly sharing personal experiences leads to higher trust and satisfaction levels within groups, enhancing teamwork. Here’s a quick overview of this process: Benefits of Sharing Formats to Use Outcomes Builds trust Informal gatherings Strengthened bonds Encourages comprehension Structured activities Improved teamwork Discovers new interests Casual conversations Increased engagement Outdoor Team Activities for Fun and Fitness Outdoor team activities provide an excellent opportunity for fun and fitness while concurrently strengthening relationships among participants. Engaging in activities like hiking, sports, or scavenger hunts not only promotes physical fitness but also nurtures teamwork and collaboration. These experiences encourage effective communication and problem-solving skills, crucial for building trust among team members. When you participate in outdoor challenges, you create informal bonding opportunities that help break down barriers and improve group morale. Research indicates that exercising in natural settings can boost mood and reduce stress, contributing to a more positive environment for relationship building. By incorporating outdoor adventures into team-building exercises, you can greatly increase employee satisfaction and improve overall team dynamics. Weekly Feedback Circles for Open Communication Incorporating weekly feedback circles into your team’s routine can greatly boost open communication and collaboration. These structured sessions allow team members to give and receive constructive feedback, nurturing a culture of openness. Here are four key benefits of implementing feedback circles: Trust and Vulnerability: Participants feel safe sharing insights and experiences, contributing to personal and professional growth. Active Listening: Encouraging team members to listen actively boosts overall team dynamics and collaboration. Regular Dialogue: Scheduled sessions provide consistent opportunities for dialogue, improving relationships among team members. Employee Satisfaction: Team members feel valued and heard, leading to increased engagement and satisfaction in the workplace. Group Meals to Foster Connection Group meals can greatly improve interpersonal connections among team members, as they create a communal atmosphere that encourages the sharing of personal stories. Eating together promotes positive feelings and shared experiences, which bolsters relationships within groups. In addition, dining allows for informal conversations, nurturing a sense of belonging and collaboration. To better understand the impact of group meals, consider the following table: Benefit of Group Meals Description Shared Experiences Creates lasting memories through collective dining. Informal Conversations Encourages dialogue that builds rapport. Sense of Belonging Cultivates inclusion and team spirit. Improved Collaboration Promotes teamwork through relaxed interactions. Establishing Traditions Builds routine that strengthens team cohesion. Regular communal meals not merely invoke fond memories associated with food but serve as a foundation for establishing enduring relationships within teams. New To Us Experiences for Adventure Together Experiencing new activities together can greatly improve the bond between couples by encouraging them to step outside their comfort zones. Engaging in New To Us experiences promotes teamwork and collaboration, which are vital for a healthy relationship. Research indicates that these shared adventures not only improve relationship satisfaction but also create lasting memories that deepen emotional connections. Consider trying these activities: Cooking a foreign cuisine – Explore new flavors and techniques in the kitchen. Taking a pottery class – Create something unique during your time together. Going on a hot air balloon ride – Experience breathtaking views and the thrill of being high above. Volunteering for a cause – Work together for a shared purpose, building empathy and connection. After completing any new activity, reflect and discuss your experiences. This communication reinforces your bond and encourages ongoing exploration, supporting long-term growth and intimacy in your relationship. Frequently Asked Questions What Is the 7 7 7 Rule for Couples? The 7 7 7 rule for couples involves dedicating seven minutes daily to communication, seven hours weekly for quality time, and seven dates monthly. This framework emphasizes routine interactions, allowing you and your partner to discuss feelings and address concerns. The weekly hours can be spent on activities like cooking or exercising together, whereas the dates encourage prioritizing your relationship. What Is the 5 5 5 Rule in Relationships? The 5 5 5 Rule in relationships involves dedicating fifteen minutes daily to improve communication and connection. You spend five minutes discussing your day, five minutes expressing appreciation for one another, and five minutes talking about future goals. This routine helps maintain emotional intimacy and guarantees both partners are aligned in their aspirations. What Is the 3-3-3 Rule in a Relationship? The 3-3-3 rule in a relationship suggests you spend three hours a week on shared activities, engage in three meaningful conversations, and enjoy three date nights each month. This framework helps you prioritize quality time, promoting emotional connections and intimacy. By balancing shared experiences with individual interests, you guarantee both partners feel valued. Following this guideline can improve communication, boost trust, and minimize misunderstandings, making it easier to cultivate a healthy relationship. What Is the 3 6 9 Rule in a Relationship? The 3 6 9 Rule in a relationship outlines a structured approach for couples to reinforce their bond. It suggests spending three hours together weekly, six hours communicating, and nine hours engaged in activities that improve intimacy. This rule emphasizes the necessity of quality time and effective communication as key components for maintaining a healthy relationship. Conclusion Incorporating a variety of engaging activities can markedly improve relationships within teams. From icebreaker games that stimulate interaction to creative projects that promote collaboration, these experiences nurture connection and comprehension. Activities like personality tests and coffee chats encourage deeper conversations, whereas outdoor events and shared meals create lasting memories. Regular feedback sessions guarantee open communication, facilitating a supportive environment. By embracing these strategies, you can build stronger, more cohesive relationships in any group setting. Image via Google Gemini This article, "10 Engaging Activities for Building Stronger Relationships" was first published on Small Business Trends View the full article

Early third-party tracking data offers a first look at how Google's February Discover core update is changing what users see in their feeds. The post Google Discover Update: Early Data Shows Fewer Domains In US appeared first on Search Engine Journal. View the full article

WHEN Johann Wolfgang von Kempelen unveiled his chess-playing automaton in the courts of 18th-century Europe, audiences were spellbound. The “Mechanical Turk” was the first machine that appeared to think like a human. It beat anyone it played against, regardless of their playing abilities or social status. For decades, it toured the world as proof that human intelligence had finally been replicated by a machine. It took bribery to finally get von Kempelen to reveal the secret of his unbeatable machine. Hidden inside the cabinet, crouched among gears and pulleys, sat a human chess master. The intelligence had never been artificial. It had just been concealed. This may be an old and well-known story, but its lessons haven’t stuck. Today, we’re once again mesmerized by machines that appear to think, speak, decide, and even lead. From algorithmic hiring tools to AI-generated strategies — even to AI “CEOs” — leadership is being reframed as optimization, speed, and polish. While many see the danger of AI as machines becoming more human, the real danger is that human leaders are becoming more mechanical. In the age of AI, the leaders who matter most will be the ones who lead most like humans, precisely when too many leaders are acting as if they, too, are automated. Just like the automaton, perfection looks impressive from a distance until you can see, up close, that it’s hollow. The more polished leaders become, the more people worry about what they have to hide. This is why the future of leadership belongs to those who are prepared to be radically human. It belongs to those who hesitate, question, doubt, regret, and care. It’s these attributes that constitute the raw material of trust. For decades, we’ve tried to be predictable, efficient, emotionless, and certain. We’ve confused clarity with certainty and polish with credibility. Leaders are compelled to hide the very elements that make people want to follow them. Radical humanity asks for the opposite. It asks leaders to stay present rather than performative, curious rather than certain, courageous rather than compliant. It asks them to resist the illusion that confidence is the absence of doubt, or that authority comes from having all the answers. The Mechanical Turk fooled Europe because people believed intelligence could be detached from messy humanity. We want to believe the same thing today. But leadership isn’t perfection. Leadership is judgment, presence, and moral courage in an imperfect world populated by imperfect people living imperfect lives. That’s why the future of leadership will never belong to those who sound most like machines. The future belongs to those who are willing to sound unmistakably human. Here are five actions leaders must take if they want to remain credible and trusted in an AI-saturated world. 1. Show your workings, not just your answers. I learned at school that to get marks you had to show your workings. A confident answer without any context only breeds suspicion. As a leader, show how you think, where you hesitate, and the dilemmas you’re grappling with. Vulnerability increases credibility just as fake certainty destroys it. 2. Say “I don’t know” sooner than you feel comfortable. “But if I say I don’t know, won’t they wonder why I’m paid more than them?” was the reply to me when sharing this tip with a client. But showing uncertainty demonstrates value. By signalling honesty and inviting contribution, you create safety in a way that hiding doubt or giving a polished answer never could. 3. Stand still when pressure demands speed. AI optimizes for immediacy. But while everyone can think fast and AI faster, no one can reflect quickly. Leadership has always required discernment. Pausing to sense emotions, tensions, and ethical trade-offs is a human advantage, not a weakness. Married with tip 2, it’s a superpower. 4. Stand up for what’s right, not just what’s expedient. You will be remembered for what you tolerated way more than for what you did. Standing up for what’s right is what people will remember long after the results themselves have been forgotten. 5. Design culture through presence. Belonging is created in how leaders show up, listen, and respond under pressure. Culture isn’t designed, declared, or demanded. It’s experienced. Be in the moment wherever you are. The Mechanical Turk eventually lost its mystique. Born in the courts of Europe, it was finally laid to rest in its fairgrounds. The illusion collapsed as the truth became known. There’s no doubt that AI will continue to improve. Systems always become faster, smoother, and more convincing. But leadership was never meant to be mechanized. The uncertainties, emotions, and imperfections we are tempted to remove in the face of machine-like precision are precisely the qualities that allow trust, responsibility, and belonging to exist at all and the truth to emerge. The future of leadership isn’t artificial. It has to be alive. * * * Emmanuel Gobillot is among the world’s foremost thinkers and authorities on leadership. Described as “the first leadership guru for the digital generation” and “the freshest voice in leadership today,” he provides consulting to CEOs across countries and industries. A sought-after speaker, he has authored 10 UK and US bestselling books. His new book is Alive Inside: Unlock Your Leadership Advantage in the Age of AI (Routledge, Jan. 22, 2026). Learn more at emmanuelgobillot.com. * * * Follow us on Instagram and X for additional leadership and personal development ideas. * * * View the full article

In an FT interview, Ukraine’s president says conflict at ‘beginning of the end’ because both sides need a ceasefire View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Garmin is known for its GPS smartwatches designed for rugged outdoor adventures and camping trips. The Garmin Instinct 2X Solar Tactical Watch is one of the brand’s best solar-charged options—an right now, it’s 40% off on Amazon, dropping its price from $499.99 to $299.99. Garmin Instinct Solar 2X Tactical Watch $299.99 at Amazon $499.99 Save $200.00 Get Deal Get Deal $299.99 at Amazon $499.99 Save $200.00 Compared to its predecessor, the Garmin Instinct Solar 2X produces up to 50% more energy from the sun thanks to the Power Glass lens, which is particularly helpful in GPS mode, which can drain the battery quickly. It’s also 0.8 mm thinner, has a built-in LED flashlight, a compass, and an altimeter. It also has a number of health- and fitness-tracking features, including Pulse Ox, heart rate monitoring, and sleep monitoring stats that are meant to help you train and recover more efficiently. The watch also contains integrated sports apps. TrackBack is another helpful feature that lets you use location readings to keep track of where you last left your car or where you started your hike, for example. That said, this device doesn't have a touchscreen; users are limited to a button-based interface, and app support on the Garmin Connect IQ app is somewhat limited. The display is also somewhat bare-bones compared to more vibrant AMOLED options like the Samsung Galaxy Watch Ultra (that said, there are some benefits to an MIP screen over AMOLED.) Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $139.99 (List Price $179.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $329.00 (List Price $349.00) Google Pixel 10a 128GB 6.3" Unlocked Smartphone + $100 Gift Card — $499.00 (List Price $599.00) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $329.00 (List Price $429.00) Amazon Fire TV Stick 4K Plus — $29.99 (List Price $49.99) Bose QuietComfort Noise Cancelling Wireless Headphones — $229.99 (List Price $349.00) Samsung Galaxy Tab A9+ 64GB Wi-Fi 11" Tablet (Silver) — $159.99 (List Price $219.99) Deals are selected by our commerce team View the full article

Crossing another credit market off our heat map bucket listView the full article

OpenAI CEO Sam Altman has defended the resource-intensive use of AI by comparing it to all the energy—and food—that humans require, sparking a wave of backlash across social media. That comparison, experts in climate and tech spaces say, is misguided, downplays the climate risks associated with AI, and illustrates the disconnect between tech CEOs and the rest of society. Altman’s comments came while speaking to the Indian Express at the India AI Impact summit. The outlet asked him to address some of the common criticisms of AI, including the amount of energy and water the technology requires. “One of the things that is always unfair in this comparison is people talk about how much energy it takes to train an AI model relative to how much it costs a human to do one inference query,” Altman says. “But it also takes a lot of energy to train a human,” he continues. “It takes like 20 years of life, and all of the food you eat during that time, before you get smart. And not only that, it took the very widespread evolution of the 100 billion people who have ever lived.” When considering the energy needed to “train a human,” Altman claims in the interview that AI has “probably” already caught up to humans in terms of energy efficiency. Misguided comparison But the tech CEO’s blunt comparison is “misguided,” says Sasha Luccioni, climate lead of the AI platform Hugging Face. “On a fundamental level, humans and AI models don’t use energy and natural resources in the same manner, and comparing the two makes no sense,” she says in an email to Fast Company. AI models are trained on human data, Luccioni points out, so if comparing the two, “you should also take into account the time and resources that went into writing the books and creating the data used to train AI models.” To Luccioni, Altman’s comments illustrate a “fundamental disconnect” between Big Tech leaders and broader society. “These billionaires have built their fortunes on exploiting human knowledge and the earth’s natural resources, and continue taking both for granted while getting richer by the day,” she adds. Fast Company reached out to OpenAI for comment. AI’s water and energy use Altman’s comparison has drawn particular ire from those in the climate space, including Michael Mann, a climatologist and coauthor, with scientist Peter Hotez, of the 2025 book Science Under Siege: How to Fight the Five Most Powerful Forces That Threaten Our World. Indeed, the CEO’s statements tie into the very themes of the book. According to Mann, the book argues that forces like “plutocrats, pros, petrostates, phonies, and the press” promote anti-science rhetoric, which then hampers humanity’s ability to tackle everything from pandemics to the climate crisis. Exact calculations about AI’s water and energy use vary, but many experts have raised alarms about its enormous power and resource needs. A 2026 report from Global Water Intelligence projects that “water demand from the AI-driven New Economy will surge 129% by 2050,” putting even more pressure on strained utility systems alongside climate threats. The International Energy Agency has likewise projected that total data center consumption, driven by AI, will double by 2030. Though Altman dismissed concerns over AI’s water use, he did say that energy consumption is a concern, and that because the “world is using so much AI . . . we need to move toward nuclear or wind and solar very quickly.” So far, the AI boom has led to an increase in natural gas power plants, even though it’s cheaper to build and run new clean energy projects. Longtermism and techno-utopianism According to Mann, Altman’s comments reek of controversial and potentially dangerous viewpoints that he says are common among tech executives, like longtermism and techno-utopianism. Longtermism promotes the idea that positively influencing the long-term future is a key moral imperative; it’s a belief that has been linked to the “effective altruism” movement. Looking long-term would suggest caring about climate change, because the effects of sustained fossil fuel emissions will have disastrous impacts on humans for years to come. But “longtermists” don’t tend to regard climate change as an “existential risk.” Instead, they focus on threats that they say technology can solve. Techno utopianism, similarly, is a belief that technological advances are the way to achieve a “perfect” future society. As Mann sees it, Altman along with other tech CEOs promote an idea that society should focus on the benefits of AI and other technologies while “implicitly downplaying the risks and threats posed in the immediate term, including the climate crisis.” “There is, as I would remind Altman and his ilk, no economy on a dead planet,” Mann adds. View the full article

As AI use continues to grow, so is frustration with the technology. From strange responses that don’t make any sense to learning curves to how it’s implemented at work, there’s no shortage of AI quirks to get used to. However, how users are responding to those annoyances is vastly different. According to a new report from Adobe Acrobat and Firefly, frustrations are not few. In fact, of the 1,008 AI users survey, 91% said they have abandoned generative AI tasks in favor of non-AI methods over said emotion. Mostly, that’s because writing quality AI prompts is a key strategy in effectively using the tool, but it’s not always totally intuitive. There’s a definite learning curve when it comes to writing prompts that lead to the best output. However, most users have a breaking point. For example, when it comes to using AI tools that generate images, respondents said they expect a quality result after four attempts. By the seventh try, most simply give up. For text tasks, users aren’t quite so patient. When it comes to prompting AI to write emails or social media posts, users want a solid response after two attempts and give up altogether by the fourth. Some users do more than just give up on writing prompts, however. Some users actually take to yelling at the technology. When it comes to responding in anger, the response is fairly gendered: Men are overwhelmingly more likely to scold AI. Per the report, men said they shouted at the technology in all caps 80% more often than women, believing it may somehow help to improve the result. Meanwhile, the trend of being polite to AI is more common in certain industries. Those in finance and banking reported using pleasantries like “please” 43% of the time. Similarly, those who work in education, transportation, and logistics did so 42%. Creative arts and healthcare workers only did so at 38% and 36%, respectively. Interestingly, regardless of the fact that men are more prone to yelling at AI, they also seem oozing with confidence at their ability to use the technology well. Per the report, men were 15% more confident in their prompting abilities than women. However, their confidence did not match their genuine skill level: The prompts were only better 5% of the time.. Confidence aside, per the report, some helpful strategies to keeping frustrations at bay and getting better results include breaking the tasks into steps, saving your strongest prompts to reuse, fact-checking and giving solid examples. Unfortunately, pleasantries won’t help with better output. Likewise, neither will yelling at it. (Sorry, guys.) View the full article

As a freelance professional, saving for the future — especially if you have children — is critical. A new federal program, created under the Working Families Tax Cuts introduces a tool that may become useful for freelancers and their families: “The President Accounts.” Although these accounts were designed primarily as long‑term savings vehicles for children, it's important freelancers understand the structure of the program. Anyone can contribute to a child’s “The President Account” (up to the annual limit of up to an aggregate of $5,000 cap per child for 2026 and 2027, to be subject to cost-of-living adjustment in the following years), freelancers with supportive family networks may benefit from grandparents contributing to reduce their own taxable estates, charitable organizations making qualified contributions, or community groups. Here is what you need to know about “The President Accounts” and if they can benefit you as a freelance professional. What Are “The President Accounts” and Can They Benefit Freelancers?“The President Accounts” are special savings and investment accounts for children under age 18. An adult opens the account for a child in the child’s name, under child’s Social Security number, and the money is invested to grow over many years. When the child turns 18, the account automatically converts into a traditional IRA. A child is eligible if they are under 18 when the account is opened, have a Social Security number, and they do not need earned income to contribute. This is a major departure from traditional IRA rules, which normally require earned income to make contributions. Like traditional IRAs, “The President Accounts” grow tax‑deferred. This means there are no taxes on investment gains while the money grows, and potentially decades of compounding before the child accesses the funds. For freelancers who may not always be able to contribute consistently, tax‑deferred growth helps maximize the impact of small contributions. Additionally, for any taxable year ending during the growth period, a contribution is counted for the year in which the contribution is made (a contribution made in January 2027, is for 2027 and cannot be applied to 2026; as is possible for considered as made for previous calendar year). After the “growth period” (January 1st of the calendar year in which the account beneficiary reaches the age of 18), distributions from this account are subject to the rules that apply to distributions from a traditional IRA. Earnings grow tax-deferred but are taxed as ordinary income upon withdrawal (after the beneficiary reaches the age of 18). Withdrawals are penalty-free for specific expenses, like higher education or a first-time home purchase (similar to IRA rules) — unlike 529 plans — where qualified education expenses related withdrawals are tax-free. This account continues to be designated as a “The President Account”, and even after the growth period, it can never receive contributions under a Sec 408(k) SEP arrangement or Sec 408(p) SIMPLE IRA plan. It can never be aggregated with other IRA account when allocating basis related to a distribution from either the “The President Account” or another IRA account. There is also a temporary federal incentive. To receive a free $1,000 government deposit, the child must be a U.S. citizen born between January 1, 2025, and December 31, 2028. The government will begin depositing this $1,000 into eligible accounts starting July 4, 2026. “The President Accounts” can be created beginning in tax year 2026, with contributions allowed starting from July 4, 2026 and onward. To open an account or request the $1,000 federal deposit for qualified child, families must use the federal portal. Can Freelance Business Owners Can Use The President Accounts?Freelancers often lack access to employer‑sponsored retirement plans, matching contributions, or predictable income streams. “The President Accounts” don’t replace retirement accounts for adults, but they do create new opportunities for freelancers to reduce taxable income in certain cases and use employer‑style benefits in their own businesses. Under the new law, employers can contribute up to $2,500 per year (subject to the cost-of-living adjustment for years after 2027, per employee and not per the dependent of the employee) to an employee’s child’s “The President Accounts”, and these contributions do not count as taxable income for the employee. Employer contributions count toward the child’s $5,000 annual contribution limit but remain tax‑advantaged. When the child turns 18, the account becomes a traditional IRA. The employer $2,500 contribution is excludible from the gross income of the employee under Section 128(b)(1). This contribution is deductible by the employer. In some cases, this contribution may be offered under a Section 125 cafeteria plan as a salary reduction if it is made to the “The President Account” of the employees’ dependent, but not if the contribution is made to the The President account of the employee; where it would be a deferred compensation under Section 125(d)(2)(A), since the employee would have a vested right to compensation that may be payable in a later year. What Does This Mean for You?As a freelancer, you can leverage the tax benefits of “The President Accounts”. Automating contributions can help ensure consistency even during periods of variable income. Balancing “The President Account” contributions with personal retirement savings vehicles such as SEP IRAs or Solo 401(k)s is something to consider as you review your options. “The President Accounts” | Internal Revenue Service “The President Accounts” View the full article

As a freelance professional, saving for the future — especially if you have children — is critical. A new federal program, created under the Working Families Tax Cuts introduces a tool that may become useful for freelancers and their families: “The President Accounts.” Although these accounts were designed primarily as long‑term savings vehicles for children, it's important freelancers understand the structure of the program. Anyone can contribute to a child’s “The President Account” (up to the annual limit of up to an aggregate of $5,000 cap per child for 2026 and 2027, to be subject to cost-of-living adjustment in the following years), freelancers with supportive family networks may benefit from grandparents contributing to reduce their own taxable estates, charitable organizations making qualified contributions, or community groups. Here is what you need to know about “The President Accounts” and if they can benefit you as a freelance professional. What Are “The President Accounts” and Can They Benefit Freelancers?“The President Accounts” are special savings and investment accounts for children under age 18. An adult opens the account for a child in the child’s name, under child’s Social Security number, and the money is invested to grow over many years. When the child turns 18, the account automatically converts into a traditional IRA. A child is eligible if they are under 18 when the account is opened, have a Social Security number, and they do not need earned income to contribute. This is a major departure from traditional IRA rules, which normally require earned income to make contributions. Like traditional IRAs, “The President Accounts” grow tax‑deferred. This means there are no taxes on investment gains while the money grows, and potentially decades of compounding before the child accesses the funds. For freelancers who may not always be able to contribute consistently, tax‑deferred growth helps maximize the impact of small contributions. Additionally, for any taxable year ending during the growth period, a contribution is counted for the year in which the contribution is made (a contribution made in January 2027, is for 2027 and cannot be applied to 2026; as is possible for considered as made for previous calendar year). After the “growth period” (January 1st of the calendar year in which the account beneficiary reaches the age of 18), distributions from this account are subject to the rules that apply to distributions from a traditional IRA. Earnings grow tax-deferred but are taxed as ordinary income upon withdrawal (after the beneficiary reaches the age of 18). Withdrawals are penalty-free for specific expenses, like higher education or a first-time home purchase (similar to IRA rules) — unlike 529 plans — where qualified education expenses related withdrawals are tax-free. This account continues to be designated as a “The President Account”, and even after the growth period, it can never receive contributions under a Sec 408(k) SEP arrangement or Sec 408(p) SIMPLE IRA plan. It can never be aggregated with other IRA account when allocating basis related to a distribution from either the “The President Account” or another IRA account. There is also a temporary federal incentive. To receive a free $1,000 government deposit, the child must be a U.S. citizen born between January 1, 2025, and December 31, 2028. The government will begin depositing this $1,000 into eligible accounts starting July 4, 2026. “The President Accounts” can be created beginning in tax year 2026, with contributions allowed starting from July 4, 2026 and onward. To open an account or request the $1,000 federal deposit for qualified child, families must use the federal portal. Can Freelance Business Owners Can Use The President Accounts?Freelancers often lack access to employer‑sponsored retirement plans, matching contributions, or predictable income streams. “The President Accounts” don’t replace retirement accounts for adults, but they do create new opportunities for freelancers to reduce taxable income in certain cases and use employer‑style benefits in their own businesses. Under the new law, employers can contribute up to $2,500 per year (subject to the cost-of-living adjustment for years after 2027, per employee and not per the dependent of the employee) to an employee’s child’s “The President Accounts”, and these contributions do not count as taxable income for the employee. Employer contributions count toward the child’s $5,000 annual contribution limit but remain tax‑advantaged. When the child turns 18, the account becomes a traditional IRA. The employer $2,500 contribution is excludible from the gross income of the employee under Section 128(b)(1). This contribution is deductible by the employer. In some cases, this contribution may be offered under a Section 125 cafeteria plan as a salary reduction if it is made to the “The President Account” of the employees’ dependent, but not if the contribution is made to the The President account of the employee; where it would be a deferred compensation under Section 125(d)(2)(A), since the employee would have a vested right to compensation that may be payable in a later year. What Does This Mean for You?As a freelancer, you can leverage the tax benefits of “The President Accounts”. Automating contributions can help ensure consistency even during periods of variable income. Balancing “The President Account” contributions with personal retirement savings vehicles such as SEP IRAs or Solo 401(k)s is something to consider as you review your options. “The President Accounts” | Internal Revenue Service “The President Accounts” View the full article

If you’re looking to get your background check, you have several options at your disposal. Start by exploring reputable Consumer Reporting Agencies (CRAs) that offer online requests for your report. You could additionally approach your local law enforcement agency or your state’s department of public safety for access to criminal history records. Nevertheless, it’s essential to understand the legal implications and costs involved in this process before proceeding. What steps should you take next to guarantee compliance and accuracy? Key Takeaways Visit a Consumer Reporting Agency (CRA) for comprehensive background checks that comply with FCRA guidelines. Check with your state’s Department of Justice or equivalent agency for state-specific criminal history reports. Use online platforms like Checkr for quick and easy background checks with transparent pricing. Contact local law enforcement agencies for basic criminal background checks or records. Ensure you have proper consent and identification ready when requesting your background check. Understanding Background Checks A background check is a critical step in the hiring process that helps employers verify candidates’ qualifications and guarantee they make informed hiring decisions. If you’re asking, “where do I go to get my background check,” it’s vital to comprehend the types of checks available. Employers often look into criminal records, employment history, and educational credentials to confirm accuracy. The Fair Credit Reporting Act (FCRA) regulates the process, mandating that employers provide notice and obtain consent before conducting checks. This protects your privacy and rights. In Texas, specific laws, like the Texas Mini-FCRA, limit reporting certain criminal records to those within the last seven years for jobs paying under $75,000. Knowing these regulations can help you navigate the process effectively. Grasping background checks not just prepares you for what employers might see but likewise empowers you to clarify any misinformation that could arise during the hiring process. Types of Background Checks Available Various types of background checks can provide employers with vital insights into a candidate’s qualifications and history. One common type is a criminal history check, which reveals details about offenses, severity, and disposition, giving you a clear view of an individual’s legal background. Employment verification confirms past job titles, employment dates, and reasons for leaving, helping to establish work history. Education verification validates degrees earned and institutions attended, ensuring the accuracy of the information provided by the applicant. Furthermore, professional license verification checks the status of licenses held by an applicant, which is fundamental for roles requiring specific certifications. If you’re considering an FBI background check status, it’s important to know that this type of check will provide thorough data, including any federal offenses. Grasping these various checks can help you make informed decisions when selecting candidates for employment. How to Initiate a Background Check To initiate a background check, start by choosing a reliable screening provider that fits your needs, whether it’s an online service or a local agency. Next, gather all required information, such as the individual’s full name, date of birth, and any other pertinent details to guarantee an accurate search. Finally, submit your background check request according to the provider’s guidelines, making sure you comply with any legal requirements, like obtaining written consent if necessary. Choose Screening Provider Choosing a reliable screening provider is crucial when you’re ready to initiate a background check. A reputable Consumer Reporting Agency (CRA), like iprospectcheck, can offer you customized services that meet your needs. Make sure the provider complies with Fair Credit Reporting Act (FCRA) regulations, which mandate obtaining written consent from the individual before any checks are conducted. Evaluate the types of checks available, such as criminal history, employment verification, and education validation, to align with your hiring criteria. Consider factors like turnaround times; for instance, Checkr delivers 89% of criminal searches within an hour, enhancing efficiency. Finally, verify the provider’s credentials and confirm customer support is available to assist you throughout the process, including inquiries about your FBI background check status. Gather Required Information Initiating a background check requires you to gather essential personal information to guarantee accurate results. Start by collecting the following items: Your full name Date of birth Social Security number Any aliases or previous names used This information helps maintain the accuracy of your background check. Next, determine the type of check you need, such as criminal history or employment verification, to inform your choice of service provider. Research reputable agencies that comply with the Fair Credit Reporting Act (FCRA) regulations. Additionally, be prepared to provide consent for the background check, as most providers will require your written permission, especially for services like FBI fingerprint clearance. Finally, consider any potential fees associated with the checks you select. Submit Background Check Request Once you’ve gathered the necessary personal information, submitting a background check request is the next step. In Texas, you can request a criminal history report from the Texas Department of Public Safety (DPS) online or by mail. If you need an FBI background check status, consider using IdentoGO, where you can submit your information at their designated centers. For employment or education verification, contact previous employers or educational institutions directly. Many companies, like iprospectcheck, offer customized background check services, delivering reports quickly. Legal Considerations for Background Checks When considering background checks in Texas, it’s essential to understand the legal framework that governs them. You’ll need to comply with the Fair Credit Reporting Act (FCRA), which requires you to notify candidates and obtain their consent before proceeding. Moreover, be aware that Texas laws can influence what information you can use, particularly regarding the reporting of older convictions and the expungement of certain records. Texas Background Check Laws Comprehending Texas background check laws is vital for both employers and job applicants, as these regulations shape the hiring process and the handling of personal information. Here are four key points to take into account: The Fair Credit Reporting Act (FCRA) governs the use of consumer reports, ensuring privacy rights are protected. The Texas Regulatory Consistency Act (TRCA) requires employers to delay criminal history inquiries until after a conditional job offer. Under the Texas Mini-FCRA, conviction records older than seven years can’t be reported for jobs paying under $75,000, with certain exceptions. If negative information arises, employers must follow the FCRA’s adverse action process for transparency. Fair Hiring Practices Fair hiring practices are essential for creating an equitable job market, especially in relation to conducting background checks. To comply with the Fair Credit Reporting Act (FCRA), you must obtain written consent before performing any checks, including checking your FBI background check status. In Texas, the Texas Regulatory Consistency Act (TRCA) prevents local jurisdictions from implementing Ban the Box laws, meaning you can only inquire about criminal history after extending a conditional job offer. Federal laws likewise limit early inquiries for federal contractors, ensuring fairness in hiring. Furthermore, employers are required to conduct individualized assessments of criminal records, adhering to Title VII of the 1964 Civil Rights Act, which prohibits blanket exclusions based solely on convictions. Compliance With FCRA Grasping compliance with the Fair Credit Reporting Act (FCRA) is crucial for any employer considering background checks. To guarantee you meet legal requirements, keep these key points in mind: Obtain written consent from candidates before conducting any background checks. Notify applicants if adverse actions are taken based on information from the checks, allowing them to dispute inaccuracies. Be aware that certain information, like bankruptcies over ten years old or criminal convictions over seven years old for lower-salary jobs, can’t be reported. Use a Consumer Reporting Agency (CRA) that follows FCRA guidelines to maintain accuracy and relevance. Costs Associated With Background Checks When considering a background check, it’s important to understand that costs can vary considerably based on several factors, including the provider, the type of report you need, and how often you require these checks. For instance, detailed reports typically range from $20 to $100 or more, whereas name-based checks start around $5. Standard criminal history checks usually cost between $20 and $30, depending on the depth of the search. If you’re looking into motor vehicle records, expect costs from $4.50 to $22, depending on your state and provider. Furthermore, if you’re conducting in-house checks, consider extra costs for staff time and resources. If you need extensive services, utilizing a Consumer Reporting Agency (CRA) can help reduce overhead costs. Finally, the FBI background check status can be an important factor, but it’s often priced higher because of the extensive nature of the checks involved. Choosing the Right Background Check Provider How can you guarantee you’re choosing the right background check provider? Start by verifying they meet industry standards. Here are four key factors to evaluate: Accreditation: Look for providers accredited by the National Association of Professional Background Screeners (NAPBS) to confirm compliance with regulations. Comprehensive Services: Choose a provider offering services like criminal history checks, employment verification, and educational credential checks to get a complete picture. Turnaround Time: Assess how quickly they deliver reports. Some providers, such as Checkr, can provide criminal searches in as little as one hour, which is vital for urgent hiring. Transparent Pricing: Understand the costs involved, as they can vary greatly. Verify the provider complies with the Fair Credit Reporting Act (FCRA) and local laws, such as those concerning FBI background check status, to protect your company and candidates. Frequently Asked Questions Where Do I Obtain a Background Check? You can obtain a background check from several sources. Local law enforcement agencies often provide criminal history checks for a fee. Online services, like commercial background check GoodHire, offer quick results for various checks, including employment verification. The Texas Department of Public Safety has an online portal for statewide criminal history information. Furthermore, IdentoGO offers personal history checks and fingerprint services, ensuring secure transmission to the FBI. Always get written consent, as required by the Fair Credit Reporting Act. How Much Does a Background Check Cost in Alaska? In Alaska, a basic criminal history background check costs about $20 through the Department of Public Safety. If you opt for a fingerprint-based check, expect to pay between $35 and $50. Private companies may charge between $30 and $100, depending on the services offered. For more detailed checks, including credit history and employment verification, prices can range from $50 to $200. Some online platforms likewise provide discounted bundled services for multiple reports. How Much Does a Background Check Cost in Louisiana? In Louisiana, background check costs typically range from $15 to $30, depending on the type of check and provider. A state police criminal history record check costs about $26 when obtained through the Louisiana State Police. If you need a fingerprint-based check for specific jobs, expect to pay around $50. Some local jurisdictions may offer free or reduced-cost checks, particularly for volunteer organizations or non-profits, so it’s worth exploring those options. How Much Does a Background Check Cost in Ohio? In Ohio, background check costs vary between $5 and $50, depending on the type of check and provider. A basic criminal check typically costs around $30, whereas more thorough checks, like employment or education verification, may be higher. The Bureau of Criminal Identification and Investigation charges $22 for a standard check. Employers sometimes cover these costs, but candidates might need to pay for their own, especially when using third-party services. Conclusion To summarize, obtaining your background check involves choosing the right method and provider to guarantee accuracy and compliance with legal standards. You can access your report through reputable Consumer Reports or local law enforcement. Be mindful of the costs involved and the specific type of background check you need, as this can vary based on purpose. By following these steps, you can effectively gather the information you need during adherence to the relevant laws and regulations. Image via Google Gemini This article, "Where Do I Go to Get My Background Check?" was first published on Small Business Trends View the full article

If you’re looking to get your background check, you have several options at your disposal. Start by exploring reputable Consumer Reporting Agencies (CRAs) that offer online requests for your report. You could additionally approach your local law enforcement agency or your state’s department of public safety for access to criminal history records. Nevertheless, it’s essential to understand the legal implications and costs involved in this process before proceeding. What steps should you take next to guarantee compliance and accuracy? Key Takeaways Visit a Consumer Reporting Agency (CRA) for comprehensive background checks that comply with FCRA guidelines. Check with your state’s Department of Justice or equivalent agency for state-specific criminal history reports. Use online platforms like Checkr for quick and easy background checks with transparent pricing. Contact local law enforcement agencies for basic criminal background checks or records. Ensure you have proper consent and identification ready when requesting your background check. Understanding Background Checks A background check is a critical step in the hiring process that helps employers verify candidates’ qualifications and guarantee they make informed hiring decisions. If you’re asking, “where do I go to get my background check,” it’s vital to comprehend the types of checks available. Employers often look into criminal records, employment history, and educational credentials to confirm accuracy. The Fair Credit Reporting Act (FCRA) regulates the process, mandating that employers provide notice and obtain consent before conducting checks. This protects your privacy and rights. In Texas, specific laws, like the Texas Mini-FCRA, limit reporting certain criminal records to those within the last seven years for jobs paying under $75,000. Knowing these regulations can help you navigate the process effectively. Grasping background checks not just prepares you for what employers might see but likewise empowers you to clarify any misinformation that could arise during the hiring process. Types of Background Checks Available Various types of background checks can provide employers with vital insights into a candidate’s qualifications and history. One common type is a criminal history check, which reveals details about offenses, severity, and disposition, giving you a clear view of an individual’s legal background. Employment verification confirms past job titles, employment dates, and reasons for leaving, helping to establish work history. Education verification validates degrees earned and institutions attended, ensuring the accuracy of the information provided by the applicant. Furthermore, professional license verification checks the status of licenses held by an applicant, which is fundamental for roles requiring specific certifications. If you’re considering an FBI background check status, it’s important to know that this type of check will provide thorough data, including any federal offenses. Grasping these various checks can help you make informed decisions when selecting candidates for employment. How to Initiate a Background Check To initiate a background check, start by choosing a reliable screening provider that fits your needs, whether it’s an online service or a local agency. Next, gather all required information, such as the individual’s full name, date of birth, and any other pertinent details to guarantee an accurate search. Finally, submit your background check request according to the provider’s guidelines, making sure you comply with any legal requirements, like obtaining written consent if necessary. Choose Screening Provider Choosing a reliable screening provider is crucial when you’re ready to initiate a background check. A reputable Consumer Reporting Agency (CRA), like iprospectcheck, can offer you customized services that meet your needs. Make sure the provider complies with Fair Credit Reporting Act (FCRA) regulations, which mandate obtaining written consent from the individual before any checks are conducted. Evaluate the types of checks available, such as criminal history, employment verification, and education validation, to align with your hiring criteria. Consider factors like turnaround times; for instance, Checkr delivers 89% of criminal searches within an hour, enhancing efficiency. Finally, verify the provider’s credentials and confirm customer support is available to assist you throughout the process, including inquiries about your FBI background check status. Gather Required Information Initiating a background check requires you to gather essential personal information to guarantee accurate results. Start by collecting the following items: Your full name Date of birth Social Security number Any aliases or previous names used This information helps maintain the accuracy of your background check. Next, determine the type of check you need, such as criminal history or employment verification, to inform your choice of service provider. Research reputable agencies that comply with the Fair Credit Reporting Act (FCRA) regulations. Additionally, be prepared to provide consent for the background check, as most providers will require your written permission, especially for services like FBI fingerprint clearance. Finally, consider any potential fees associated with the checks you select. Submit Background Check Request Once you’ve gathered the necessary personal information, submitting a background check request is the next step. In Texas, you can request a criminal history report from the Texas Department of Public Safety (DPS) online or by mail. If you need an FBI background check status, consider using IdentoGO, where you can submit your information at their designated centers. For employment or education verification, contact previous employers or educational institutions directly. Many companies, like iprospectcheck, offer customized background check services, delivering reports quickly. Legal Considerations for Background Checks When considering background checks in Texas, it’s essential to understand the legal framework that governs them. You’ll need to comply with the Fair Credit Reporting Act (FCRA), which requires you to notify candidates and obtain their consent before proceeding. Moreover, be aware that Texas laws can influence what information you can use, particularly regarding the reporting of older convictions and the expungement of certain records. Texas Background Check Laws Comprehending Texas background check laws is vital for both employers and job applicants, as these regulations shape the hiring process and the handling of personal information. Here are four key points to take into account: The Fair Credit Reporting Act (FCRA) governs the use of consumer reports, ensuring privacy rights are protected. The Texas Regulatory Consistency Act (TRCA) requires employers to delay criminal history inquiries until after a conditional job offer. Under the Texas Mini-FCRA, conviction records older than seven years can’t be reported for jobs paying under $75,000, with certain exceptions. If negative information arises, employers must follow the FCRA’s adverse action process for transparency. Fair Hiring Practices Fair hiring practices are essential for creating an equitable job market, especially in relation to conducting background checks. To comply with the Fair Credit Reporting Act (FCRA), you must obtain written consent before performing any checks, including checking your FBI background check status. In Texas, the Texas Regulatory Consistency Act (TRCA) prevents local jurisdictions from implementing Ban the Box laws, meaning you can only inquire about criminal history after extending a conditional job offer. Federal laws likewise limit early inquiries for federal contractors, ensuring fairness in hiring. Furthermore, employers are required to conduct individualized assessments of criminal records, adhering to Title VII of the 1964 Civil Rights Act, which prohibits blanket exclusions based solely on convictions. Compliance With FCRA Grasping compliance with the Fair Credit Reporting Act (FCRA) is crucial for any employer considering background checks. To guarantee you meet legal requirements, keep these key points in mind: Obtain written consent from candidates before conducting any background checks. Notify applicants if adverse actions are taken based on information from the checks, allowing them to dispute inaccuracies. Be aware that certain information, like bankruptcies over ten years old or criminal convictions over seven years old for lower-salary jobs, can’t be reported. Use a Consumer Reporting Agency (CRA) that follows FCRA guidelines to maintain accuracy and relevance. Costs Associated With Background Checks When considering a background check, it’s important to understand that costs can vary considerably based on several factors, including the provider, the type of report you need, and how often you require these checks. For instance, detailed reports typically range from $20 to $100 or more, whereas name-based checks start around $5. Standard criminal history checks usually cost between $20 and $30, depending on the depth of the search. If you’re looking into motor vehicle records, expect costs from $4.50 to $22, depending on your state and provider. Furthermore, if you’re conducting in-house checks, consider extra costs for staff time and resources. If you need extensive services, utilizing a Consumer Reporting Agency (CRA) can help reduce overhead costs. Finally, the FBI background check status can be an important factor, but it’s often priced higher because of the extensive nature of the checks involved. Choosing the Right Background Check Provider How can you guarantee you’re choosing the right background check provider? Start by verifying they meet industry standards. Here are four key factors to evaluate: Accreditation: Look for providers accredited by the National Association of Professional Background Screeners (NAPBS) to confirm compliance with regulations. Comprehensive Services: Choose a provider offering services like criminal history checks, employment verification, and educational credential checks to get a complete picture. Turnaround Time: Assess how quickly they deliver reports. Some providers, such as Checkr, can provide criminal searches in as little as one hour, which is vital for urgent hiring. Transparent Pricing: Understand the costs involved, as they can vary greatly. Verify the provider complies with the Fair Credit Reporting Act (FCRA) and local laws, such as those concerning FBI background check status, to protect your company and candidates. Frequently Asked Questions Where Do I Obtain a Background Check? You can obtain a background check from several sources. Local law enforcement agencies often provide criminal history checks for a fee. Online services, like commercial background check GoodHire, offer quick results for various checks, including employment verification. The Texas Department of Public Safety has an online portal for statewide criminal history information. Furthermore, IdentoGO offers personal history checks and fingerprint services, ensuring secure transmission to the FBI. Always get written consent, as required by the Fair Credit Reporting Act. How Much Does a Background Check Cost in Alaska? In Alaska, a basic criminal history background check costs about $20 through the Department of Public Safety. If you opt for a fingerprint-based check, expect to pay between $35 and $50. Private companies may charge between $30 and $100, depending on the services offered. For more detailed checks, including credit history and employment verification, prices can range from $50 to $200. Some online platforms likewise provide discounted bundled services for multiple reports. How Much Does a Background Check Cost in Louisiana? In Louisiana, background check costs typically range from $15 to $30, depending on the type of check and provider. A state police criminal history record check costs about $26 when obtained through the Louisiana State Police. If you need a fingerprint-based check for specific jobs, expect to pay around $50. Some local jurisdictions may offer free or reduced-cost checks, particularly for volunteer organizations or non-profits, so it’s worth exploring those options. How Much Does a Background Check Cost in Ohio? In Ohio, background check costs vary between $5 and $50, depending on the type of check and provider. A basic criminal check typically costs around $30, whereas more thorough checks, like employment or education verification, may be higher. The Bureau of Criminal Identification and Investigation charges $22 for a standard check. Employers sometimes cover these costs, but candidates might need to pay for their own, especially when using third-party services. Conclusion To summarize, obtaining your background check involves choosing the right method and provider to guarantee accuracy and compliance with legal standards. You can access your report through reputable Consumer Reports or local law enforcement. Be mindful of the costs involved and the specific type of background check you need, as this can vary based on purpose. By following these steps, you can effectively gather the information you need during adherence to the relevant laws and regulations. Image via Google Gemini This article, "Where Do I Go to Get My Background Check?" was first published on Small Business Trends View the full article

Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter. Based on our analysis of the Zillow Home Value Index, U.S. home prices are up just +0.2% year-over-year between January 2025 and January 2026. That marks a deceleration from the +2.6% growth rate a year earlier—though national price growth has recently stabilized, ticking a tad higher from a low of -0.01% in August 2025. In the first half of 2025, the number of major metro area housing markets seeing year-over-year declines climbed. That count has since pretty much stopped ticking up. 31 of the nation’s 300 largest housing markets (i.e., 10% of markets) had a falling year-over-year reading in the Jan. 2024 to Jan. 2025 window. 42 of the nation’s 300 largest housing markets (i.e., 14% of markets) had a falling year-over-year reading in the Feb. 2024 to Feb. 2025 window. 60 of the nation’s 300 largest housing markets (i.e., 20% of markets) had a falling year-over-year reading in the March 2024 to March 2025 window. 80 of the nation’s 300 largest housing markets (i.e., 27% of markets) had a falling year-over-year reading in the April 2024 to April 2025 window. 96 of the nation’s 300 largest housing markets (i.e., 32% of markets) had a falling year-over-year reading in the May 2024 to May 2025 window. 110 of the nation’s 300 largest housing markets (i.e., 36% of markets) had a falling year-over-year reading in the June 2024 to June 2025 window. 105 of the nation’s 300 largest housing markets (i.e., 36% of markets) had a falling year-over-year reading in the July 2024 to July 2025 window. 109 of the nation’s 300 largest housing markets (i.e., 35% of markets) had a falling year-over-year reading in the Aug. 2024 to Aug. 2025 window. 105 of the nation’s 300 largest housing markets (i.e., 35% of markets) had a falling year-over-year reading in the Sept. 2024 to Sept. 2025 window. 105 of the nation’s 300 largest housing markets (i.e., 35% of markets) had a falling year-over-year reading in the Oct. 2024 to Oct. 2025 window. 98 of the nation’s 300 largest housing markets (i.e., 33% of markets) had a falling year-over-year reading in the Nov. 2024 to Nov. 2025 window. 106 of the nation’s 300 largest housing markets (i.e., 35% of markets) had a falling year-over-year reading in the Dec. 2024 to Dec. 2025 window. 100 of the nation’s 300 largest housing markets (i.e., 33% of markets) had a falling year-over-year reading in the Jan. 2025 to Jan. 2026 window. As you can see above, in the first half of 2025, there was a notable increase in the number of housing markets slipping into year-over-year price declines as the supply–demand equilibrium (as measured by inventory) shifted more quickly toward homebuyers. Over the past seven months, however, the list of declining markets has begun to stabilize and inventory growth has also decelerated. Home prices are still climbing a little year-over-year in many regions where active inventory remains well below pre-pandemic 2019 levels, such as pockets of the Northeast and Midwest. In contrast, some pockets in states like Texas, Florida, and Colorado—where active inventory exceeds pre-pandemic 2019 levels by a solid clip—are seeing modest home price pullbacks or flat pricing. Click here for an interactive version of the chart below Many of the housing markets seeing the most softness, where homebuyers have gained the most leverage, are primarily located in Sun Belt regions, particularly the Gulf Coast and Mountain West. Many of these areas saw even greater price surges during the Pandemic Housing Boom, with home price growth outpacing local income levels. As pandemic-driven domestic migration slowed and mortgage rates rose in 2022, markets like Tampa and Austin faced challenges, relying on local income levels to support frothy home prices. That Sun Belt softening was further compounded by an abundance of new home supply in the Sun Belt. Builders are often willing to lower prices or offer affordability incentives to maintain sales, which also has a cooling effect on the resale market. As a result, some buyers who might have previously opted for existing homes are instead choosing new construction with more attractive deals—which added further upward pressure to resale inventory growth over the past few years. Of course, while 100 of the nation’s 300 largest metro area housing markets are seeing year-over-year home price declines, another 200 are seeing year-over-year home price increases. Where are home prices still up on a year-over-year basis? See the map below. Below is a historical chart showing the year-over-year change in home prices across the 50 largest metro housing markets, with the yellow line representing the national aggregate, dating back to 2000. While the “range” [see chart above] between the strongest and weakest metro area housing markets right now is fairly normal historically speaking, the “bifurcation” (i.e., direction) itself—the share of markets with rising home prices versus those with falling prices—is wider than normal, given that national appreciation has stabilized into a softer market with growth barely above +0.0%. And the longer some markets remain in the “rising” camp while others stay in the “falling” camp, the wider the gulf can become between the relatively more resilient markets and the weaker ones. For example, home prices in the Hartford, CT metro area are now +21.2% above their 2022 peak, while home prices in the Austin, TX metro area sit -27.8% below their 2022 peak. Some of that “bifurcation” boils down to mean reversion, with many of the outright home price declines occurring in markets that overheated further during the Pandemic Housing Boom. Note: For the historical chart below, we analyzed the 200 largest markets rather than the 300 used above, as some markets ranked 201 to 300 lack complete data going back to 2000. When weighted by population (not visualized), the housing market appears slightly weaker than the chart below suggests—which aligns with the fact that, among just the 50 largest housing markets, 25 (roughly 50%) are currently posting negative year-over-year price growth, and nationally aggregated home prices are up just +0.2% year-over-year using the Zillow Home Value Index. View the full article

Gatti will be based in the firm's Washington, D.C. office, where he focuses on structuring and executing asset-backed securities deals and other structured finance transactions. View the full article

On a snowy Friday in January, dignitaries from both political parties braved the chill of a central New York winter for the groundbreaking ceremony of Micron Technology’s planned $100 billion manufacturing complex in Clay, a town not far from Syracuse. Over the next 20 years, Micron is promising the region thousands of jobs and the revitalization of a community hard hit by the decline of manufacturing. Since President Joe Biden signed the CHIPS and Science Act in 2022, billions of public dollars have flowed into domestic semiconductor manufacturing as the United States seeks to revitalize an industry that was born in the U.S. before it was largely outsourced to East Asia. Both Democrats and Republicans have argued that domestic chip production is essential to national security, citing the role advanced semiconductors play in military systems as well as in critical infrastructure like financial and telecommunications networks. In order to expedite the development of up to four fabrication plants in central New York state, Micron may receive as much as $25 billion in public subsidies, including $6.1 billion from the federal CHIPS Act, $5.5 billion from New York state and billions more in refundable manufacturing tax credits. But some residents and advocates question whether the Micron project, as it’s currently planned, will bring more harm than good. The facility will consume vast amounts of water and energy while producing substantial hazardous waste, according to the company’s environmental impact statement. Emissions and contaminated wastewater and soil from the notoriously dirty semiconductor industry pose potential environmental and health risks for surrounding areas, while exposure to its toxic chemicals has been linked to cancers and reproductive harm. Community members want enforcement measures to ensure the company follows through on promised environmental safeguards and its pledge to create 9,000 jobs. “We’re not trying to stop any progress, but we don’t want this just bulldozed into our area,” said Gracia Roulan, a nurse practitioner who has lived in Clay all her life and is part of the local group Neighbors for a Better Micron. Roulan said advocates like her want to ensure the project is “truly better for the community,” and raised concerns about potential pollution of the local water system and the clearing of the “beautiful marshes all around the area,” which provide a home to endangered species. To make way for the new structures, the project will fill more than 200 acres of wetlands. For its part, the company touts the project’s benefits to the region, including a promise to invest hundreds of millions of dollars in education, worker training and affordable housing over the next two decades. “Micron is committed to being a great member of the community and a responsible environmental steward,” Anna Newby, a Micron spokesperson, said in an email to Capital & Main. The company has committed to developing new wetlands to offset those that will be destroyed. Newby said the environmental review process Micron undertook for its central New York project was “thorough.” Yet just hours before Micron broke ground, Neighbors for a Better Micron, alongside national worker advocacy group Jobs to Move America, filed a lawsuit against the project in New York Supreme Court for Albany County, arguing that the state permitting process was “unnecessarily rushed” and did not adequately consider public input. The suit names Micron along with state and local agencies, contending that despite the state’s reputation for having some of the strongest environmental laws in the country, the review process fell short, particularly given the size and scope of the project. “The lawsuit points to the agency’s failure to balance economic benefits and environmental harms,” said Meredith Stewart, litigation director at Jobs to Move America. She said the court should reverse the environmental approval and require agencies to revisit the impact of the project in order to ensure harms are adequately addressed. But in New York and elsewhere around the country, proponents of semiconductor projects would like to see less, not more, environmental review. Lawmakers in famously eco-friendly California recently approved legislation allowing semiconductor companies to bypass environmental impact studies. In 2024, President Biden signed a law exempting most publicly funded semiconductor projects from federal environmental review, a move supporters said would speed construction and help the U.S. compete with China. Micron’s project nonetheless underwent federal — as well as state — scrutiny, with the federal review triggered by its impact on wetlands. Under the new law, the Commerce Department oversaw the federal process, and at Micron’s groundbreaking, Secretary Howard Lutnick praised his agency’s rapid pace. “See, this groundbreaking only got scheduled at the end of December — because the The President administration cleared out all of the environmental and other things that tend to get in the way,” Lutnick said. The lawsuit brought by advocates asserts that community members were given insufficient time — just 32 business days — to review and provide public comment on an environmental impact statement that exceeds 700 pages or roughly 22,000 pages including supportive materials. “Environmental review is one of the only levers that the public has to learn what the impact [of a project] might be on their community,” said Judith Barish, director of CHIPS Communities United, a coalition of unions and community groups advocating for a safer and more equitable semiconductor industry. Some residents worry that the project will strain local infrastructure. When the project is completed, the company expects it to use 48 million gallons of water from Lake Ontario each day, enough to supply more than 585,000 homes. The county is developing a new wastewater treatment plant, and upgrading an existing one, to deal with the increase in volume. The project also poses risks to resident and worker health, advocates say, as the semiconductor industry has a well-documented history of toxic pollution. In order to transform raw silicon into the advanced components that power nearly all modern devices, chipmaking relies on hundreds of chemicals, many of them harmful. One of the biggest culprits, according to advocates, is per- and polyfluoroalkyl substances (PFAS), so-called forever chemicals that do not easily break down in the environment and are central to semiconductor manufacturing. Communities near semiconductor manufacturing facilities have faced contamination of soil and groundwater, while workers in chip fabrication plants have reported elevated rates of cancers and reproductive health issues. Beyond environmental risks, many activists say that Micron’s claims about the project’s benefits are vague or lack the teeth of enforcement. They would like to see the billions of dollars in subsidies awarded to the company conditioned on whether it delivers on its promise to create thousands of jobs. Advocates also want the company to hire from the community and are concerned they may simply import workers into the area. A 2023 study found that more than a third of projects subsidized by state governments between 2004 and 2015 failed to meet their job creation goals. Researchers said the true figure may be higher because many states have weak disclosure requirements. Roulan pointed to a history of industrial projects in the region that came with pledges to improve the community but instead left behind pollution, the most famous example being the now defunct Allied Corporation’s contamination of Syracuse’s Onondaga Lake, which contributed to the lake being designated a Superfund site. “We want development, we want to see jobs come here,” Roulan said. “But not at any cost.” Last month, a separate coalition of advocacy groups in the Syracuse area, including Jobs to Move America, launched an effort to urge Micron to sign a legally binding community benefits agreement, a contract negotiated between a private company and community stakeholders that outlines benefits and mitigations that the company agrees to provide. The group, Central New York United for Community Benefits, sent a letter to Micron’s CEO just days after the groundbreaking ceremony, requesting a meeting. A community benefits agreement, the group said, could help ensure strong wages and benefits for the project’s permanent workforce and protect residents’ access to clean air and water. Micron has pledged to hire 80% of its initial construction workforce locally and to use a project labor agreement, ensuring unionized construction labor. Newby said in an email that the company had already invested more than $15 million in local organizations and educational institutions as part of its pledge to invest $250 million over 20 years in a state fund aimed at developing the semiconductor manufacturing workforce in central New York state as well as supporting “community needs” such as affordable housing. Meanwhile, Roulan is already seeing changes following the groundbreaking — “giant trees going out by the truckful” and “tons of traffic changes” around the area, which she said were signs of major disruption to come. —Kalena Thomhave, Capital & Main This piece was originally published by Capital & Main. View the full article

Small businesses are taking bold steps into 2026, choosing to increase their marketing budgets even amid economic uncertainty. A recent report from Constant Contact reveals that 68% of small and mid-sized businesses (SMBs) expect to boost their marketing expenditures to combat looming inflation, highlighting a resilient mindset in a challenging economic landscape. Amidst ongoing concerns about rising costs—cited as the primary worry by 41% of small business owners—the data suggests a strategic pivot. Instead of retreating from marketing efforts, these entrepreneurs are gearing up to seize new opportunities. “Small business owners are entering 2026 with a clear directive: do more, but do it smarter,” said Smita Wadhawan, Chief Marketing Officer at Constant Contact. This insight underlines a collective shift in thinking about marketing as an essential investment rather than a discretionary expense. The report shows that 74% of small business owners plan to invest more time in marketing strategies in 2026. With apprehension about economic pressures, the focus is on maximizing the effectiveness of both financial resources and time spent. Key findings from the Q1 2026 Small Business Now report reflect a landscape where investment in marketing is outpacing fears of economic downturn: Refusal to Cut Budgets: While almost half of SMB owners highlight inflation as a major concern, 74% plan to invest more time into marketing, and 68% are setting aside larger budgets. Notably, only 14% anticipate cuts in their marketing budgets. Barriers to Engagement: The quest for engaging customers remains a significant challenge. The report identifies customer engagement as the top barrier to effective marketing in 2026, with 44% of respondents indicating difficulty in connecting with their audiences. In response, 50% of SMBs are experimenting with efficiency strategies, and 33% are eager to test new marketing tools and technologies. The Rise of AI: More than half of the surveyed small business owners (54%) are already leveraging artificial intelligence (AI) in their marketing efforts. Many are enhancing their strategies, with 45% using AI to analyze trends and 44% employing it to create content. Preference for Digital Channels: With a clear shift from traditional advertising, social media (68%) and email marketing (41%) are poised to be the leading channels for driving business in 2026. In-person events (29%) and traditional advertising (26%) lag behind, echoing the larger trend towards digital engagement. For small business owners, this focus on digital marketing opens up new avenues, but also introduces potential hurdles. Businesses will need to closely monitor customer engagement while ensuring that their increased marketing efforts yield tangible results. The pressing question is: how do they connect effectively with an audience that increasingly demands authentic and engaging content? The findings underscore a pivotal moment for small businesses. As they allocate more resources to marketing, understanding the dynamics of digital engagement becomes crucial. Employing AI tools could streamline these efforts, freeing up time and energy for more creative and strategic pursuits. In an environment where customer connections are paramount, the practical application of enhanced marketing budgets cannot be understated. Small businesses that leverage efficiency strategies while embracing innovative tools may find themselves at a distinct advantage in navigating both economic challenges and customer expectations. The report suggests that as 2026 unfolds, small business owners aiming to thrive will need to stay adaptable. Balancing the need for increased marketing with an eye on efficiency and engagement can help to ensure sustainability and growth, even in tough economic times. To read more about the findings of the Constant Contact report, visit Constant Contact. Image via Google Gemini This article, "Small Businesses Boost Marketing Budgets Amid Economic Uncertainty" was first published on Small Business Trends View the full article

Small businesses are taking bold steps into 2026, choosing to increase their marketing budgets even amid economic uncertainty. A recent report from Constant Contact reveals that 68% of small and mid-sized businesses (SMBs) expect to boost their marketing expenditures to combat looming inflation, highlighting a resilient mindset in a challenging economic landscape. Amidst ongoing concerns about rising costs—cited as the primary worry by 41% of small business owners—the data suggests a strategic pivot. Instead of retreating from marketing efforts, these entrepreneurs are gearing up to seize new opportunities. “Small business owners are entering 2026 with a clear directive: do more, but do it smarter,” said Smita Wadhawan, Chief Marketing Officer at Constant Contact. This insight underlines a collective shift in thinking about marketing as an essential investment rather than a discretionary expense. The report shows that 74% of small business owners plan to invest more time in marketing strategies in 2026. With apprehension about economic pressures, the focus is on maximizing the effectiveness of both financial resources and time spent. Key findings from the Q1 2026 Small Business Now report reflect a landscape where investment in marketing is outpacing fears of economic downturn: Refusal to Cut Budgets: While almost half of SMB owners highlight inflation as a major concern, 74% plan to invest more time into marketing, and 68% are setting aside larger budgets. Notably, only 14% anticipate cuts in their marketing budgets. Barriers to Engagement: The quest for engaging customers remains a significant challenge. The report identifies customer engagement as the top barrier to effective marketing in 2026, with 44% of respondents indicating difficulty in connecting with their audiences. In response, 50% of SMBs are experimenting with efficiency strategies, and 33% are eager to test new marketing tools and technologies. The Rise of AI: More than half of the surveyed small business owners (54%) are already leveraging artificial intelligence (AI) in their marketing efforts. Many are enhancing their strategies, with 45% using AI to analyze trends and 44% employing it to create content. Preference for Digital Channels: With a clear shift from traditional advertising, social media (68%) and email marketing (41%) are poised to be the leading channels for driving business in 2026. In-person events (29%) and traditional advertising (26%) lag behind, echoing the larger trend towards digital engagement. For small business owners, this focus on digital marketing opens up new avenues, but also introduces potential hurdles. Businesses will need to closely monitor customer engagement while ensuring that their increased marketing efforts yield tangible results. The pressing question is: how do they connect effectively with an audience that increasingly demands authentic and engaging content? The findings underscore a pivotal moment for small businesses. As they allocate more resources to marketing, understanding the dynamics of digital engagement becomes crucial. Employing AI tools could streamline these efforts, freeing up time and energy for more creative and strategic pursuits. In an environment where customer connections are paramount, the practical application of enhanced marketing budgets cannot be understated. Small businesses that leverage efficiency strategies while embracing innovative tools may find themselves at a distinct advantage in navigating both economic challenges and customer expectations. The report suggests that as 2026 unfolds, small business owners aiming to thrive will need to stay adaptable. Balancing the need for increased marketing with an eye on efficiency and engagement can help to ensure sustainability and growth, even in tough economic times. To read more about the findings of the Constant Contact report, visit Constant Contact. Image via Google Gemini This article, "Small Businesses Boost Marketing Budgets Amid Economic Uncertainty" was first published on Small Business Trends View the full article

Your iPhone is likely currently running iOS 26.3 (assuming you've been keeping up with the operating system updates), but there's another version currently in the works over at Apple HQ. Right now, beta testers have their hands on iOS 26.4, which is shaping up to be a much bigger update than the last. Among the changes, Apple is debuting end-to-end encryption for RCS chats, so texts with Android users will no longer be insecure, and the Reminders app is getting an "Urgent" section for any entries you've labeled as such. But perhaps no part of iOS is getting a larger update with 26.4 than Apple Music—both the app, and Apple's paid subscription service. Apple seems to have decided that Music needed a bit of a facelift, as well as some quality of life changes that will make the app and service easier to use. Whether you use Apple Music for streaming or you rely on it to store your digital library, you're going to notice the updates when iOS 26.4 drops in the near future. Some of these features will be free and some only available to paid subscribers; I've reached out to Apple to confirm which is which, and I will update this piece if I hear back. Apple Music now lets you generate playlists with AIDo you like making playlists, or do you know someone who does? The robots are coming for your hobby, too. With iOS 26.4, Apple Music is rolling out "Playlist Playground," a new feature that lets you generate playlists from natural language prompts. In layman's terms, that means you tell the AI what kind of music you want to hear, and it will generate a playlist from that request. That could something hyper-specific, like "Taylor Swift country tracks," or something more general, like "morning coffee vibes." The AI will choose 25 songs it thinks match your query. If it doesn't get it quite right, you can ask it to make changes, and you can change things yourself, like the playlist's title, description, and cover image. I'm interested to try this out, if for no other reason than music discovery: I like Apple Music's curated playlists already, but I am intrigued as to whether asking Apple's AI to select certain types of songs for me will help me find new music any better than the platform's human curators. I also don't think this will stop me from making my own playlists, or looking for playlists from friends. Sure, maybe the AI is good at picking 25 songs that match a specific theme, but there is an art to hand-picking tracks that work well together—plus, it's just fun. Apple is far from the first company to roll out such a feature. YouTube Music recently launched something similar, while Spotify has two different AI playlist features (AI Playlist and Prompted Playlist) available on its platform. Apple Music's design changes look awesomeWhen you start exploring Apple Music after updating to iOS 26.4, you'll likely notice something right away: The UX, which is normally white or black (whether your iPhone is in light or dark mode) now matches the color scheme of the artwork for the album or playlist you're checking out. The effect is especially cool when the album art supports full-screen motion, like the following: This Tweet is currently unavailable. It might be loading or has been removed. Apple has made some divisive design decisions in recent years, but I think this change is going to be a crowd pleaser. The difference between the current design on iOS 26.3 and the new look is stark, and, while there's nothing wrong with how things stand now, it already looks super dated next to the full-screen color matching designs. You can now add songs to multiple playlists at onceSpeaking of playlists, you can now add songs to multiple at once—just in case you still need some human intervention when it comes to these playlists. When you go to add a song to a playlist, you'll notice a new button in the bottom right. Tap it, and Apple Music opens up the ability to select multiple playlists at once, and send the song to all of them. It's a small change, but a helpful one, especially if you frequently add new music to more than one playlist at a time. I could see myself using this to add a song to my personal new discoveries playlist, as well as a shared playlist of new music I keep with friends. iOS 26.4 adds a new "Ambient Music" widget for your Home ScreenNot all music is made to active listening. If you use Apple Music for background music, especially when sleeping, working, or zoning out, you might be interested in the new "Ambient Music" widget, which lets you launch one of four different ambient playlists from the Home Screen: Sleep, which plays "Sleep Sounds;" Chill, which plays "Today's Chill;" Productivity, which plays "Productivity;" or Wellbeing, which plays "Pure Meditation." I still can't quite shake the habit of relying on YouTube for my "focus music" needs, especially since these tracks mess with my Apple Music algorithms. But it might make sense to start relying on the platform I actually pay for when I want music to work or fall asleep to—unless that music is only available elsewhere. Apple Music will help you find concerts near youApple Music is also making it easier to listen to music outside of the app. The platform is rolling out a "Concerts Near You" section, which shows you artists playing in your area. You can see popular artists and their concert dates, as well as shows that are coming up this week. You can sort by both date and genre, and you can update the location when you want to know where shows are going to be in different areas. View the full article

Dario Amodei, CEO of Anthropic, will head to the Pentagon on Tuesday to meet with Defense Secretary Pete Hegseth about how the military uses the company’s artificial intelligence models. And it’s likely to be a tense meeting, as sources first told Axios. Contract talks between the AI startup and the Department of Defense have gone off course in recent weeks as Anthropic has insisted on some safeguards for how its technology will be used. While the San Francisco-based company is willing to loosen some of its usage restrictions for the Department of Defense, it doesn’t want its models used for at least two specific purposes: spying on Americans or developing autonomous weapons. Heading into Tuesday’s meeting, the two factions seem to have differing views on how those contract talks have been proceeding. While a spokesperson for Anthropic said in a statement Monday that the company is having “productive conversations, in good faith” with the Pentagon, a Defense Department spokesman said last week that Anthropic’s relationship with the Pentagon is under review. “Anthropic knows this is not a get-to-know-you meeting,” a senior Defense official told Axios. “This is not a friendly meeting.” ANTHROPIC’S ROLE IN NATIONAL SECURITY Anthropic is currently the only AI company available in the military’s classified networks and was among several companies awarded a $200 million contract with the Defense Department to in July “advance U.S. national security.” The company has repeatedly reiterated its commitment to supporting national security, including again on Monday. In June, it announced Claude Gov, a suite of models it built exclusively for U.S. national security customers. And yet, Amodei has become vocal about balancing the opportunities that AI presents with the concerns that it poses. In a lengthy piece published last month, the Anthropic co-founder warned: “Humanity is about to be handed almost unimaginable power, and it is deeply unclear whether our social, political, and technological systems possess the maturity to wield it.” At the India AI Impact Summit last week, Amodei that he’s concerned about the autonomous behavior of AI systems and the potential for misuse of AI by individuals and governments. THE MADURO FACTOR Another factor that’s strained the relationship between Anthropic and the Pentagon came to light last week: Claude was used in the U.S. military’s operation at the start of the year to capture former Venezuelan President Nicolás Maduro, as The Wall Street Journal reported. That mission would seem to violate Anthropic’s usage guidelines that prohibit, among other things, that Claude not be used to incite violence or for criminal justice and surveillance. The company’s usage policy, most-recently updated in September, is intended to “strike an optimal balance between enabling beneficial uses and mitigating potential harms.” But Anthropic also notes that the company “may enter into contracts with certain governmental customers that tailor use restrictions to that customer’s public mission and legal authorities if, in Anthropic’s judgment, the contractual use restrictions and applicable safeguards are adequate to mitigate the potential harms.” POKING THE BEAR Anthropic has tried to set itself apart from the rest of the universe of AI developers with a “safety-first” approach that’s even seen it take a swipe, via a Super Bowl ad, at OpenAI’s recent decision to incorporate ads into the ChatGPT platform. While Amodei has emerged as a contrarian of sorts, at times, by pushing back on unrestricted use of its Claude AI model for the U.S. military, Amodei is effectively poking the bear that is Hegseth. As Axios reported last week, Hegseth has threatened that the Pentagon could declare Anthropic to be a “supply chain risk,” which would void its contracts and force other companies that work with the Pentagon to certify they aren’t using Claude in any related workflows. “Our nation requires that our partners be willing to help our warfighters win in any fight,” chief Pentagon spokesman Sean Parnell told media outlets last week. “Ultimately, this is about our troops and the safety of the American people.” View the full article