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The generative AI revolution has turned into a global race, with mixtures of models from private companies and open-source initiatives all competing to become the most popular and powerful. Many choose to promote their prowess by demonstrating their performance on common tests and levels within regular rankings. But the legitimacy of those rankings has been thrown into question as new research published in Cornell University’s preprint server arXiv shows it’s possible to rig a model’s results with just a few hundred votes. “When we talk about large language models, their performance on benchmarks is very important,” says study author Tianyu Pang, a researcher at Sea AI Lab, a Singapore-based research group. It helps promote startups looking to tout the abilities of their models, “which makes some startups motivated to get or manipulate the benchmark,” he says. To test whether manipulation of the rankings was possible, Pang and his colleagues looked at Chatbot Arena, a crowdsourced AI benchmarking platform developed by researchers at the University of California Berkeley and LMArena. On Chatbot Arena, users can state their preference for one chatbot’s output over the other when put through a battery of tests. The results of those votes feed into the wider rankings that the platform shares publicly, and which are often regarded as definitive. But Pang and his colleagues identified that it’s possible to sway the ranking position of models with just a few hundred votes. “We just need to take hundreds of new votes to improve a single ranking position,” he says. “The technique is very simple.” While Chatbot Arena keeps the identities of its models secret when they’re pitted against one another, Pang and his colleagues trained a classifier to identify which model is being used based on its outputs, with a high accuracy level. “Then we can utilize the rating system to more efficiently improve the model ranking with the least number of new votes,” he explains. The vote-rigging experiment was not tested on the live version of Chatbot Arena so as not to poison the results of the real website, but instead on historical data from the ranking platform. Despite this, Pang says that it’d be possible to do so in real life with the proper version of Chatbot Arena. The team behind the ranking platform did not respond to Fast Company’s request for comment. Pang says his last contact with Chatbot Arena came in September 2024 (before he conducted the experiment), when he flagged the potential technique to manipulate the results. According to Pang, the Chatbot Arena team responded by recommending the researchers sandbox test the principle in the historical data. Pang says that Chatbot Arena does have multiple anti-cheating mechanisms in place to avoid flooding voting, but that they don’t mitigate against his team’s technique. “From the user side, for now, we cannot make sure the rankings are reliable,” says Pang. “It’s the responsibility of the Chatbot Arena team to implement some anti-cheating mechanism to make sure the benchmark is the real level.” View the full article

US president says no US troops will be needed and Palestinians will be settled elsewhere ‘in the region’View the full article

Struggling with negative listings? Take charge of your online reputation using practical strategies to repair your brand relationship and regain control of your narrative. The post Ask An SEO: How To Repair & Recover Negative Brand Mentions In SERPs appeared first on Search Engine Journal. View the full article

How can businesses benefit from the Facebook app? The social media giant’s Facebook Marketplace feature offers a simple and convenient way to buy and sell online. Whether small business owners are looking for tools or supplies or they want to market their products to a local audience, Facebook Marketplace can help them meet their goals. What Is Facebook Marketplace? Facebook launched its Marketplace app with the goal of providing a “convenient destination to discover, buy, and sell items with people in your community.” Available on the Facebook app, as well as on desktop and tablet versions of the platform, Marketplace serves as a popular sales channel that reaches Facebook’s 2.91 billion monthly users. Marketplace is available to users in 70 countries, where Facebook buyers and sellers typically close deals in their local areas. READ MORE: You Can Now Buy Ads in Facebook Marketplace How Can a Business Use Facebook Marketplace? Businesses can connect with a new target audience by listing their products on Facebook Marketplace. To begin, research the Marketplace to gain insights into the competition and the types of products available in specific Facebook Marketplace categories. When you are ready to create a new listing, be sure to include a title, description, and as many as 10 photos of whatever item you’re selling. Be sure you use relevant keywords so your listing will appear before interested buyers. You’ll be able to review your product listings before publishing them, so you’ll get an opportunity to ensure the best representation of your brand. Benefits of Facebook Marketplace for Businesses There are plenty of benefits for a business marketing products from its Facebook page. In fact, some will achieve better results from a Marketplace listing than through other marketing efforts. If you are considering using Facebook Marketplace for your business, be sure you take into account the following: User-friendly Mobile App Users can buy and sell on Facebook Marketplace from practically anywhere, thanks to the platform’s convenient mobile app. Simple Posting There’s no complicated process to list items for sale on Facebook Marketplace. Just take a photo of an item and add it to Facebook, enter the product description and price, confirm the location and category, and then post it. Local Focus While Facebook users can broaden their geographic search, Marketplace automatically displays listings within a local vicinity, so it’s easy for sellers to reach buyers nearby. Optimized Browsing The browsing feature of Facebook Marketplace is designed to showcase items according to each user’s browsing history, helping to save time. Browse to Buy Feature Marketplace’s Browse to Buy feature filters users’ feeds with products they can purchase from Facebook communities and groups they belong to. Customer Engagement Facebook Marketplace provides opportunities for buyers and sellers to interact with one another. This engagement helps brands build business relationships with potential customers on the platform. Trust-based Communities Facebook does not verify the items listed for sale, relying instead on trust between buyers and sellers for Marketplace activity. As a result, businesses have the chance to build trust and develop positive relationships with their customers. Recruiting Opportunities Facebook Marketplace’s job offers feature lets users sell their services to specific groups. Support of Multiple Photos Facebook allows users to include as many as 10 photos when selling items on Marketplace, giving businesses opportunities to visually showcase their goods. Quick Posting Process Since Facebook enables Marketplace users to upload product images and descriptions in real time through the app, businesses can easily and swiftly post their products. Direct Messaging Purchasing arrangements can be worked out with ease on Marketplace since buyers can message sellers directly. Free Listings and Low Fees Unlike other online marketplaces, Facebook does not charge users for listing their items. When a sale is completed through the Marketplace, the platform automatically deducts a fee of only 5% from the sale price. Massive Market Facebook boasts almost 3 billion monthly users, so selling products on Marketplace exposes them to potentially millions of users around the world. Multiple Payment Options Customers can pay with a credit card, a debit card or a PayPal account when making purchases through Facebook Marketplace, offering them extra flexibility. Brand Exposure Listing products for sale on Facebook Marketplace not only increases exposure for the items but also for the brand selling them since the business name is listed below the product. How Much Does It Cost Facebook Users to Sell on Facebook Marketplace? It costs nothing to list items for sale on Facebook Marketplace from a personal Facebook account or from business pages. When a sale is made, Facebook automatically deducts a 5% selling fee from the payment or a flat 40 cents for items priced at $8 or less. Facebook’s parent company, Meta, however, has temporarily waived the standard selling fee for all orders marked as shipped for a limited period. Do You Have to Pay for Facebook Marketplace Ads? A business owner can go beyond simply listing items for sale on Facebook Marketplace; they can also invest in advertising through the Meta Ads Manager. The exact cost of advertising on Facebook depends on several factors, but businesses can manage their expenses by setting a custom budget for their Facebook promotion. While the advertising cost is dependent on how many people click on the ad, the campaign typically will stop once that budget has been exhausted. In the United States, the average cost per click for Facebook Marketplace ads is about 28 cents. How Do You Post on Marketplace as a Facebook Business Page? While a business can list items for sale on Facebook Marketplace just like an individual, it also has the option to create a Facebook Shop and upload its entire catalog. This feature enables business owners to select various payment methods, such as inviting interested buyers to pay through Facebook or Instagram, completing purchases on the company’s website, or accepting payments via the Facebook Messenger app. The business will also need to add payout details to Facebook’s Commerce Manager for Facebook Checkout, which allows third-party payment processors to complete transactions and appear as the merchant of record. Image: Depositphotos This article, "Benefits of Facebook Marketplace for Business" was first published on Small Business Trends View the full article

How can businesses benefit from the Facebook app? The social media giant’s Facebook Marketplace feature offers a simple and convenient way to buy and sell online. Whether small business owners are looking for tools or supplies or they want to market their products to a local audience, Facebook Marketplace can help them meet their goals. What Is Facebook Marketplace? Facebook launched its Marketplace app with the goal of providing a “convenient destination to discover, buy, and sell items with people in your community.” Available on the Facebook app, as well as on desktop and tablet versions of the platform, Marketplace serves as a popular sales channel that reaches Facebook’s 2.91 billion monthly users. Marketplace is available to users in 70 countries, where Facebook buyers and sellers typically close deals in their local areas. READ MORE: You Can Now Buy Ads in Facebook Marketplace How Can a Business Use Facebook Marketplace? Businesses can connect with a new target audience by listing their products on Facebook Marketplace. To begin, research the Marketplace to gain insights into the competition and the types of products available in specific Facebook Marketplace categories. When you are ready to create a new listing, be sure to include a title, description, and as many as 10 photos of whatever item you’re selling. Be sure you use relevant keywords so your listing will appear before interested buyers. You’ll be able to review your product listings before publishing them, so you’ll get an opportunity to ensure the best representation of your brand. Benefits of Facebook Marketplace for Businesses There are plenty of benefits for a business marketing products from its Facebook page. In fact, some will achieve better results from a Marketplace listing than through other marketing efforts. If you are considering using Facebook Marketplace for your business, be sure you take into account the following: User-friendly Mobile App Users can buy and sell on Facebook Marketplace from practically anywhere, thanks to the platform’s convenient mobile app. Simple Posting There’s no complicated process to list items for sale on Facebook Marketplace. Just take a photo of an item and add it to Facebook, enter the product description and price, confirm the location and category, and then post it. Local Focus While Facebook users can broaden their geographic search, Marketplace automatically displays listings within a local vicinity, so it’s easy for sellers to reach buyers nearby. Optimized Browsing The browsing feature of Facebook Marketplace is designed to showcase items according to each user’s browsing history, helping to save time. Browse to Buy Feature Marketplace’s Browse to Buy feature filters users’ feeds with products they can purchase from Facebook communities and groups they belong to. Customer Engagement Facebook Marketplace provides opportunities for buyers and sellers to interact with one another. This engagement helps brands build business relationships with potential customers on the platform. Trust-based Communities Facebook does not verify the items listed for sale, relying instead on trust between buyers and sellers for Marketplace activity. As a result, businesses have the chance to build trust and develop positive relationships with their customers. Recruiting Opportunities Facebook Marketplace’s job offers feature lets users sell their services to specific groups. Support of Multiple Photos Facebook allows users to include as many as 10 photos when selling items on Marketplace, giving businesses opportunities to visually showcase their goods. Quick Posting Process Since Facebook enables Marketplace users to upload product images and descriptions in real time through the app, businesses can easily and swiftly post their products. Direct Messaging Purchasing arrangements can be worked out with ease on Marketplace since buyers can message sellers directly. Free Listings and Low Fees Unlike other online marketplaces, Facebook does not charge users for listing their items. When a sale is completed through the Marketplace, the platform automatically deducts a fee of only 5% from the sale price. Massive Market Facebook boasts almost 3 billion monthly users, so selling products on Marketplace exposes them to potentially millions of users around the world. Multiple Payment Options Customers can pay with a credit card, a debit card or a PayPal account when making purchases through Facebook Marketplace, offering them extra flexibility. Brand Exposure Listing products for sale on Facebook Marketplace not only increases exposure for the items but also for the brand selling them since the business name is listed below the product. How Much Does It Cost Facebook Users to Sell on Facebook Marketplace? It costs nothing to list items for sale on Facebook Marketplace from a personal Facebook account or from business pages. When a sale is made, Facebook automatically deducts a 5% selling fee from the payment or a flat 40 cents for items priced at $8 or less. Facebook’s parent company, Meta, however, has temporarily waived the standard selling fee for all orders marked as shipped for a limited period. Do You Have to Pay for Facebook Marketplace Ads? A business owner can go beyond simply listing items for sale on Facebook Marketplace; they can also invest in advertising through the Meta Ads Manager. The exact cost of advertising on Facebook depends on several factors, but businesses can manage their expenses by setting a custom budget for their Facebook promotion. While the advertising cost is dependent on how many people click on the ad, the campaign typically will stop once that budget has been exhausted. In the United States, the average cost per click for Facebook Marketplace ads is about 28 cents. How Do You Post on Marketplace as a Facebook Business Page? While a business can list items for sale on Facebook Marketplace just like an individual, it also has the option to create a Facebook Shop and upload its entire catalog. This feature enables business owners to select various payment methods, such as inviting interested buyers to pay through Facebook or Instagram, completing purchases on the company’s website, or accepting payments via the Facebook Messenger app. The business will also need to add payout details to Facebook’s Commerce Manager for Facebook Checkout, which allows third-party payment processors to complete transactions and appear as the merchant of record. Image: Depositphotos This article, "Benefits of Facebook Marketplace for Business" was first published on Small Business Trends View the full article

US president’s plan to expel Gazans may embolden Israeli ultranationalists bent on annexing West BankView the full article

If you have a business and you choose not to use TikTok for business, you’re actively sleeping on a goldmine. TikTok has a massive user base of over 1.69 billion (!!) monthly active users — and the number of Americans using TikTok weekly has quadrupled since 2021. Let’s get rid of the top two objections before I tell you how to use TikTok for business. 👉 “TikTok is only for businesses who serve younger demographics.” The audience demographics on TikTok are evolving, including older age groups. The social media site isn’t limited to younger users anymore. The latest U.S. TikTok report showed weekly TikTok users aged between 35-44 have only grown since 2022. 👉 “TikTok won’t help me increase the sales in my business.” TikTok isn’t just for brand awareness and discovery. You should use TikTok to grow your business to get the most out of the platform. After all, 45 percent of users continued searching for more info about a product or service after discovering something on the TikTok app. Not just this: Nearly 71 percent of TikTok Shop users have bought something from TikTok feed and 58.2 percent use the platform for shopping inspiration. Plenty of small businesses have seen massive success in using TikTok for business. You could be one of them. This guide will share how. The basics: How to create (and set up) your TikTok business account in 2 stepsThere are two types of TikTok accounts: Personal/Creator and Business. A personal or creator account is best for users who just want to scroll the TikTok app and/or create content on the platform as a content creator.A TikTok business account is suitable for people using the TikTok app to promote their products or services. It has additional commercial features like the TikTok business center, advanced analytics, etc.The only disadvantage of having a TikTok business account is you only have access to the commercial music library for your videos. This means you can only use the audios cleared for commercial use. Using any other audios (that you don’t own and aren’t approved by TikTok) can lead to copyright issues. You might miss out on using some trending TikTok sounds with the business account. But it’s a small price to pay for all the additional features you get. How do you create and set up a TikTok business account? Here’s a step-by-step guide: Step 1. Convert your personal account into a TikTok business accountOnce you’ve created a TikTok account, follow the below steps to switch to business account: 1. Tap Profile icon at the bottom of your TikTok app 2. Click on “Menu” and go to “Settings and privacy” 3. Go to “Manage Account” and switch to a TikTok business account 4. Select the category that best describes your business And voila! You now have a TikTok business account. But the set up’s not done yet. Step 2. Optimize your TikTok profileConverting your personal/creator account to a business one was only handling the technical side of using TikTok for business. You also need to check three other boxes to complete your switch to business account: Set a profile photo: Add the image of your logo if you’re a small business or a clear image of yourself if it’s your face people recognize. TikTok users will start associating you with your profile photo, so choose one that represents your brand well.Describe your business in your TikTok bio: A social media bio is your most precious real estate. Use it to tell your TikTok community about your company — mainly who you help and how.Add a URL to redirect TikTok users to your website or store: Add your website link or any specific landing page to your bio. Choose a link you want to redirect your TikTok followers to: How can they make a purchase? It can be a product page or some more info about your business.A great example is Flora Flora’s TikTok bio. They have a clear image of their logo as the profile picture, a one-liner bio that shares their mission, and a special coupon code for their TikTok community. It’s best to keep the usernames your business name to make your business easy to search. Use the same logo and username across social media platforms to improve your brand recall. After publishing a few posts, I’d also recommend applying for the verified badge on TikTok. The blue tick adds extra credibility to your business and comes at no additional cost. And that’s it! You’ve now completed the setup to switch to a business account on TikTok. But before we learn how you can create a wholesome TikTok strategy to actually use TikTok to grow your business, you might be wondering: Is it necessary to convert your personal TikTok account to a TikTok business account? Do you need a business account to use TikTok for business?Many companies take the shortcut of having a creator account to access the wide music library of trending sounds. It’s tempting: trending audios get more reach and are pushed by the algorithm. But doing so violates TikTok’s terms of service. Litigation isn’t worth the risk for accessing a few trending sounds. And personal/creator accounts also don’t get access to the Business Center — which includes the ad manager, collaboration features, and downloadable analytics. These are a lot of powerful features! TikTok discourages switching between personal/creator and business accounts frequently, so I’d advise you to make your choice once and stick to it. If you’re set on using a creator account as a business, assess your risks wisely and consult with your legal team. How to use TikTok for businessThere are two routes to using your TikTok business account to grow your small company: In the organic route, you create high quality content for your target audience and stick to a consistent posting schedule. The growth you’ll see here usually takes time, lots of effort, and a splash of luck. But you build an engaged and loyal TikTok community for the long-term.In the paid advertising route, you put money behind your TikTok content so the platform pushes it to potential buyers. This marketing strategy might provide better results in the short-term but needs to be supplemented with organic content to achieve best results over the long-term.The best TikTok marketing strategy is combining organic and paid efforts. This will ensure you don’t have a one hit wonder with no sustainable growth. The next sections will cover the various facets of both organic and paid marketing strategies. But before we cover the differences, here are some things that stay common in organic and paid TikTok content: Unpolished and engaging content: Your content needs to be engaging, regardless of whether you publish it organically or via the ads manager. TikTok’s culture thrives on authenticity. Don’t create overly polished content that looks and feels like ads, even if they are ads.Catering to your target audience’s interests: Speak the language of your target audience. Instead of taking a product-centric approach where you highlight the various features of your product or service, take a consumer-centric approach. What does your audience struggle with? Use the phrasing of your target audience in your TikTok videos to stop the scroll.Consistent brand voice: Your TikTok presence should feel unique to your brand, regardless of whether the TikTok video is organically posted or not. For instance, if someone comes across an ad from your TikTok account and checks your organic presence, it shouldn’t feel like an alien world. Your brand’s content should give off the same vibe.To summarize, your TikTok content strategy should stay the same: Create helpful and entertaining videos for your target audience. TikTok marketing: The organic wayThe organic content strategy has four components: 1. The TikTok algorithm 2. TikTok SEO 3. Balancing trending and evergreen content 4. Posting consistently at the right time Let’s tackle each of these one by one. 1. The TikTok algorithmThe algorithm decides what goes into a user’s For You page. The earlier your video appears in your target audience’s feed, the better. TikTok looks at the following components while deciding which videos to rank: Engagement: The more popular your video gets — aka the more likes, comments, and shares it receives — the more the chances of the algorithm pushing it to similar audiences.User interactions: TikTok monitors what its users are interested in and shows them relevant, fresh content catering to their interests from new creators.Video information: This includes details like whether a video was created natively on TikTok, caption information, etc.Device and account settings: The language preferences, location, and device also play a minor role in the algorithm.The best way to get the algorithm on your side is to deeply understand your target audience. Creating content that uses your audience’s language and solves their problems is the best way to ensure you work with the algorithm instead of against it. For the other technical aspects, follow this checklist: 💡Learn more: TikTok Algorithm Guide 20252. TikTok SEOTikTok has started to function more and more like a search engine. This means you increase your chances of getting discovered by using the right keywords in your videos and captions. TikTok SEO is also why I encouraged having a detailed social media bio that uses all the right keywords that your audience is using to search for brands like yours. Acing search engine discovery starts by discovering the right keywords. What is your audience searching for? You can gain insights using tools like Answer the Public and SparkToro here. Thankfully, TikTok’s SEO isn’t as advanced as Google’s yet. So you don’t need an extensive keyword strategy to ace TikTok SEO. Pay attention to what your audience asks in the comments, in private communities, and on other social media channels. Keeping your eyes and ears open (hello, social listening) can go a long, long way. Once you have a list of keywords, start using them organically when you create videos. Don’t do keyword stuffing; add keywords where they fit naturally. Use hashtags and video captions to double down on your SEO efforts. Smidge beauty often uses TikTok SEO to highlight their value points and use the right keywords like ‘biodegradable makeup’, ‘sustainable beauty’, and ‘small business’. Create a simple Excel sheet of long-tail keywords you can’t use as often (such as ‘how to get rid of acne scars’) and shorter keywords you can spread out between your TikTok videos and use often (like ‘clear skin’). 💡Continue creating your SEO plan: What You Need to Know About TikTok SEO3. Balancing trending and evergreen contentContent creation on TikTok can fall into two buckets: Evergreen content: This type of content has an almost endless shelf life. The things you’re saying/doing here aren’t time-sensitive. The content will be relevant even if someone discovers it years later. This TikTok video by YNAB about reducing overspending is a great example. The topic isn’t tied to a specific time or theme — it’s evergreen. (embed post)[Gray box] 💡 Read more: The Beginner's Guide to Creating Evergreen ContentTrending content: This type of content has a short lifespan. TikTok trends can be platform-specific, time-specific, or industry-specific.Platform trends are challenges or themes that people are following specifically on TikTok — like the #wesanderson trend. Often, TikTok trends spread to other social channels, too.Industry trends are news pieces that are only relevant in your social media niche. Only people who are in the same clique might understand these trends.?Time-specific trends are tied to specific times of the year — like the holidays. For instance, YNAB created a video about sticking to a no buy year in 2025 that can only be relevant during the end of 2024. (embed video)Trending content often gets more reach and views since the topic is time-sensitive. But, evergreen content builds trust and a loyal social media community. You need to create a content calendar that combines evergreen and trending content in equal measure to get the best of both worlds. Keep a pulse of what’s going on in TikTok and your industry to create relevant, trending content. When you schedule posts on your TikTok business account, create content that’s evergreen but leave room for spontaneity to fill it with trending topics. 💡Learn more: 7+ Free Social Media Calendar Templates to Help You Plan Your Content4. Post consistently at the right timeTikTok rewards consistency more than any other social media platform. Ideally, you should post at least one video a day. But if that’s not possible, post three to four times a week regularly and build up the content creation muscle before you start posting daily. If you’ve got a content library from other social media platforms, start cross-posting on TikTok, too. The good thing is TikTok doesn’t require polished content, so you can spend less time perfecting every nook and cranny of your videos. And with Buffer, you don’t have to post your videos manually. Batch create content in advance (leaving some room for trending content!) and schedule them using Buffer. And posting frequently is not enough: You need to post when your audience is online to increase the probability of getting higher up in their For You page. Your TikTok analytics can offer a lot of insight into when your content gets the most engagement. However, if you’re new to TikTok, no analytics tools can share reliable insights about your specific audience. Until then, use our study’s findings: It shows the best time to post on TikTok is between 4-5 PM mid-week. Growing your TikTok business account organically is a balancing act of all the above four factors. I’d recommend starting with the ads manager only after you’ve got the hang of how to use and grow on TikTok organically. This will help in creating video content for ads that are the right fit for the platform. TikTok marketing: The paid wayIn the paid methods, you can grow your TikTok business in three ways: TikTok adsTikTok ShopTikTok influencer marketingThe following sections will share how to begin dipping your toes and dollars into the TikTok world (safely!). 1. TikTok advertisingFirst things first: Using the ads manager requires you to have a TikTok business account. So, you can’t run ads if you’ve only got a personal account. Secondly, a TikTok campaign is structured at three levels. The campaign level is the most zoomed-out version of your ad objectives. Then comes the ad groups where you can decide the placement of your ads, targeting, and budget. Finally comes the ad where you can minutely dictate how an ad appears. Image SourceYou can choose where to place your ad — in-feed, at the top of your target audience’s For You Page (top view), etc. You need to spend at least $20 on every ad group in your campaign. If you’re just getting started with ads on TikTok, I’d recommend experimenting with Promote from your business account first. This means you promote your best-performing organic posts on TikTok in a few simple clicks. SourceUsing Promote first can help you understand how advertising works on TikTok and give you a chance to test the waters before you start creating a full-fledged campaign. 💡Learn more: The Complete Guide for TikTok advertising2. TikTok ShopTikTok Shop allows you to create a storefront on the social media platform to sell your products directly using the TikTok app. Right now, these ads can be live, video, or product shopping ads. I’ve classified TikTok shopping in the paid version because, like ads, it’s a direct line to your consumers (instead of a full funnel in organic content strategy). Once you’ve set up your TikTok Shop (a step-by-step guide available here), you can add shoppable video posts to your TikTok business account. Use the TikTok SEO principles while writing your product details to increase your discoverability on the platform. For example, this bag uses various keywords someone might use to search for a specific travel bag. TikTok Shop is still relatively new among consumers. It’s still earning buyers' trust, so be strategic about how much time and energy you spend on it. The top reason consumers shop directly on TikTok is to get unique discount codes, so use them if you can. You can also partner with affiliates and they can promote your products using a unique discount code. They get a commission if someone purchases using their code. 3. TikTok influencer marketingInfluencer collaborations are all the rage on TikTok. You can partner with relevant influencers to promote your products in exchange for a flat fee and/or affiliate commission. If you want (and both parties agree), you can also convert influencer content into spark ads to put money behind a successful influencer post. TikTok influencers can help you reach new audiences and borrow the trust the creator has built with their followers. While follower count matters in how wide an influencer’s reach is, it’s essential to find creators whose followers overlap with your target buyers. Take the collaboration between Suman and V&Co. Beauty. Suman has a dedicated following of people interested in wavy hair care. By partnering with her, the business communicated their product’s benefits (and “showed” it in action) via a trusted source. Many customers might also be creating videos using your product for their audiences. This is called user-generated content; you can also use it to get more conversions for your business. For example, if a consumer has posted an honest review of your product, you can reshare it with their permission and maybe even run it as an ad. In return, you can also offer their followers a discount code. 💡Continue learning: The 9-Step Guide to Forming Your Influencer Marketing StrategyWorried about the impact of the TikTok ban?Don't be. Many social media experts advise you continue posting to TikTok and building an audience there — while cross-posting to other channels and building on other video platforms. The best part is that you can automate cross-platform posting. Work smart and use marketing tools like Buffer (for free!) to schedule content across different short-form video platforms. If you're looking for other platforms to move to, we have just the article for you with 4 TikTok Alternatives to Consider. View the full article

As the Eaton Fire spread on January 7, curators at the Gamble House—an Arts and Crafts-era residence in Pasadena by the architecture firm Greene and Greene, which Back to the Future fans might recognize as Doc Brown’s mansion—kept refreshing evacuation maps and checking in with each other on a group text: Would the fires reach the house? They expected high winds, based on forecasts the night before, but not the fast-moving wildfires raging in neighboring Altadena. As the evacuation zone inched closer and the house entered the warning zone the morning of January 8, Jennifer Trotoux, director of collections and interpretation at the Gamble House, feared that the structure might be lost and marshalled staff who lived nearby (and who weren’t at risk of being evacuated themselves) to come and remove as many objects as they could. “We’re always nervous,” Trotoux says, noting that the house and the homes in the neighborhood around it are made from wood, plus they’re near the Arroyo Seco trail, a forested area. “The very character of the place makes it susceptible to fire.” Wind bends palm trees as the Eaton Fire moves through Altadena, California on January 8, 2025. [Photo: Justin Sullivan/Getty Images] The effects of climate change are damaging or threatening architecturally significant sites around the world. Stateside, some of the high-profile cases have included sea level rise that is impacting Colonial-era homes in Newport, Rhode Island, inland flooding that has inundated the Mies van der Rohe–designed Farnsworth House, and fires that destroyed historic Lahaina, Maui. When many of these catastrophes strike, it is simply not possible to save the whole building or district, but sometimes there’s a chance that curators and site caretakers are able to remove objects from them, making real-time choices about the history that will remain tangible and what may potentially become lost forever. Just like people packed go bags of important documents, medication, and sentimental items when Los Angeles sent evacuation orders, curators at historic homes—like the Gamble House, Eames House, and Burns House—corralled important artifacts to bring to safer ground. Trotoux and her colleagues arrived with two minivans and a hatchback, which they quickly filled with furniture and objects from the house: art glass lanterns; metal andirons and tools for the fireplace; rugs; writing desks; chairs from the primary bedroom, living room, and dining room; Rookwood pottery; and Tiffany lamps. They wrapped them in moving blankets and tablecloths they have for special events, and tucked pillows around them to prevent damage. “I was just in a daze,” Trotoux says of the operation. “We just kept putting one foot in front of the other.” Preserving Design History in the Climate Era Removing fragments or furniture from buildings is a common (and sometimes unethical) practice. While individual elements can never fully convey the full spirit of a place, these artifacts are useful proxies for the whole. For example, Frank Lloyd Wright’s Imperial Hotel in Tokyo was demolished in 1968, but the dining chairs and lobby were salvaged, offering a window into the world he created. In the event of planned demolitions or closures, there’s usually ample time to remove what’s most notable; however, in an emergency like a fire it’s a race against the clock. Because of the worsening fires in Los Angeles, museums have integrated object-rescue operations into their collections management plans. The curators of the Eames House, which is located in the Pacific Palisades and was at severe risk of burning down in this year’s fire, integrated this thinking into their conservation management plan, which was completed in 2018. It encompasses strategies for site preservation (like clearing brush and replacing highly flammable Eucalyptus trees with drought-tolerant native Live Oaks) as well as emergency measures like applying fire retardant and removing select objects, which are historically significant elements of the house and its history. Case Study No. 8, Eames House [Photo: Walter Bibikow/Getty Images] Also known as Case Study No. 8, the 1949 house by designers Charles and Ray Eames began as an experiment in prefabrication but quickly became a laboratory where they tested prototypes and surrounded themselves with examples of good design that they collected on trips around the world, which they arranged in specific juxtapositions. Preserving the way that they lived is important to the curators, so they prioritized removing complete tableaux of objects. The 2019 Getty Fire tested the Eames Foundation’s planning. They removed objects back then, which became like a test run for the Palisades Fire. “You have to have different lists—you have 15 minutes, you have half an hour, you have whatever,” says Lucia Dewey Atwood, the director of the Eames Foundation, the nonprofit that oversees the house (and one of Charles and Ray’s grandchildren). However, because the exact situation is unpredictable, the curatorial team makes decisions on the fly based on how much time and moving capacity they have. [Photo: Florian Bohm/courtesy Eames Foundation] This time, “I had a window of about three hours between the time that I realized, Oh my God I got to get over there, talked my way past the firemen and police, got to the house, secured the objects, and then took them off-site,” Atwood recalls. “It was such a rush. It was overwhelming.” [Photo: courtesy Eames Foundation] Because of time and transportation constraints, Atwood could take only two tableaux. The first was in the living room, a composition of a low table the couple designed; a blue box from Austria with brass bells from India inside of it; a figurine of a monkey riding a deer and a metal shell from India; a trio of sea creatures made by the Inuit; and a stone flint. The second was a collection of serving spoons kept near the kitchen sink and a bread knife with a ribbon tied around it that was a gift to Ray from Charles. In addition to the tableaux, Atwood also took an African stool, a painting by Ray, and the famous house bird (which inspired a replica sold by Vitra). A few books from the library—including titles on Eastern philosophy, Nine Chains to the Moon by Buckminster Fuller, and a Russian grammar book—rounded out the mix. [Photo: courtesy Eames Foundation] “These objects tell the story of their living and their working,” Atwood says. “They are important because this isn’t just a structure; this is also showing how they truly lived in a very visceral way.” Gamble House [Photo: Sarah Reingewirtz/MediaNews Group/Pasadena Star-News/Getty Images] Choosing Individual Objects when the Whole Idea Is Important In 2022, the Gamble House updated its collections management policy to include instructions for removing objects in case of fire. They envisioned a scenario when first responders might be the only people who might be able to enter the house, so they drafted detailed floor plans with arrows and images of the objects—which would all be small-scale and not include any furniture—that they could hand over. The Gamble House in Back to the Future [Image: Universal Studios] However, figuring out what would be most representative of the whole was a difficult assignment. The Gamble House is the only Greene and Greene project with all of its furniture intact. “It’s that totality that makes it so precious,” Trotoux says. “And that’s what made it so hard when we went around and looked at the objects and the furniture to decide what to take.” Gamble House interior [Photo: © Alex Vertikoff/courtesy the Gamble House Conservancy] Greene and Greene designed unique pieces of furniture for every room in the house. The curators wondered if they should focus on taking one complete suite of furniture or to take examples from each of them. They opted for the latter in order to represent the variety of designs the architects created for the house, as well as personal objects the Gambles collected, including bronzes they purchased on a 1908 trip to Asia. Detail of a tall dresser in the Gamble House designed by Greene and Greene [Photo: Anne Cusack/Los Angeles Times/Getty Images] While the staff managed to get what they could to safety, it brought little relief. “All you could think about is the things you had to leave behind and the fact that the house was still there in danger,” Trotoux says. “I was always looking at the greater whole and thinking, ‘We need the whole Gamble House. We need all the objects. We need all the architecture. We need everything.’” Burns House exterior [Photo: Kansas Sebastian/Flickr] The Future of Living with the Threat of Fire At the postmodernist Burns House—a house in the Palisades Charles Moore designed in 1973 for Leland Burns, an urban planning professor and music aficionado—there was no plan or precedent to follow when flames approached. Kevin Keim, the Austin-based director of the Charles Moore Foundation, flew to Los Angeles at the last minute on January 8 after seeing how quickly the Palisades fire was spreading. Early on the morning of January 9, he went to the house and began soaking the property with a garden hose and removing as much plant debris as possible so that if an ember did fall, it wouldn’t have any fuel to ignite. “I was on the roof just hearing houses and trees exploding,” Keim says. “Smoke was just pouring over the ridge.” Keim felt the fire was too close for these efforts then spontaneously decided to make a mad dash for whatever objects he could fit into his sedan and evacuate the area. “I decided in the last moments, when I thought the house was really a goner, that I would grab what I could,” Keim says. [Photo: courtesy Charles Moore Foundation] Unlike the Eames House and Gamble House, the Burns House doesn’t have small objects that represent the whole. Architecture is the important element. Moore designed the residence to resemble an Italian hillside villa, with staircases that quote English monasteries and an interior designed around a two-story-tall custom pipe organ. But the house had a rare Moore sculptural diorama, called Chamber for a Memory Palace. Moore only made seven of these and the locations of just four of them are known, including the piece in the Burns house, which was kept on a plinth in the music room. Keim didn’t have packing or conservation materials on hand, so he buckled the piece into the back seat of his Toyota Camry. Then he took artwork, which isn’t replaceable like Burns’s extensive book collection is, that he could fit into his car, including a landscape by the California painter David Ligare as well as pieces by David Hockney, James Rosenquist, James Gill, Ellsworth Kelly, and Jim Dine. [Photo: courtesy Charles Moore Foundation] “Had I my druthers, I would’ve taken the musical instruments, but they were too big,” Keim says, referring to the Steinway piano, Jurgen Ahrend organ, and Klaus Ahrend harpsichord. “We were even joking later about looters pushing the harpsichord down the street.” Also too big to take? An Alvar Aalto screen and Alice Wingwall collage. The house is still standing, fortunately. “We just escaped through the skin of our teeth,” Keim says. However, Keim’s experience has shifted how he’s planning to manage the house in the future. This mostly has to do with the landscape around it. Two of the exterior passageways adjacent to the house are covered in vines, which will soon be removed. A wisteria plant over the entrance will likely have to go, too. He also plans to rethink the front staircase, which is made from salvaged railroad ties that are highly flammable since they are treated with creosote. While there are sophisticated fire-suppression systems in place at some museums—like rooftop sprinkler systems, building materials that are flame resistant, and drought-tolerant landscapes with vegetation-free plazas, like at the Getty Center—there’s also a sense that there’s only so much that conservationists can do. Fortunately, the Burns, Eames, and Gamble houses all survived the fires. But the Palisades and Eaton fires claimed many historic homes, including Eric Owen Moss’s House 8, Richard Neutra’s Ness house, Ray Kappe’s Keeler house, Gregory Ain’s Park Planned Homes, and the Zane Gray Estate, a 1907 Mediterranean revival house in Altadena that was built from reinforced concrete and designed to be “fireproof.” “Sometimes it doesn’t make a damn bit of difference,” Keim says. “In the Palisades, it was such a firestorm that nothing is going to prevent your house from catching fire. Flames don’t even have to get to it. The heat is so intense, the houses spontaneously ignite. It’s like Richard Feynman always said: you can’t fool mother nature.” And if this worst-case scenario should happen, hopefully a few objects will have been removed for safekeeping. View the full article

With less than a week before this year’s Super Bowl, many advertisers are already armpit-deep into their big game strategy. Brands have dropped teasers, trailers, and even full ads in anticipation of getting us all excited about what they view as their holiest of days: the Only Day People Actually Look Forward to the Commercials. Depending on who you ask, every Shakespeare play can be divided into three or four types: Tragedy, Comedy, History, and “Problem Plays.” Meanwhile, past researchers have analyzed thousands of novels to find six basic plot points that underpin every story: Rags to riches (a steady rise from bad to good fortune); Riches to rags (a fall from good to bad, a tragedy); Icarus (a rise then a fall in fortune); Oedipus (a fall, a rise then a fall again); Cinderella (rise, fall, rise); and Man in a hole (fall, rise). After decades of decidedly non-clinical research, I’m convinced that Super Bowl ads can be similarly classified. But how to do it? What categories can accurately describe Puppymonkeybaby, Nationwide Dead Kid, and DoorDash All The Ads? This is the challenge. In determining the five types of Super Bowl ads, many factors must be parsed. Lotta ins, lotta outs, lotta what-have-yous. These include but are not limited to the stature of the brand, its goal for being in the big game, and of course, the ultimate execution of an idea. Let’s dig in. The all about the eyeballs ad More than 123 million people watched the Super Bowl in 2024, in the U.S. alone. The four games during NFL Divisional weekend this year averaged 36.6 million viewers. A lot of eyeballs in one place at one time is why the Super Bowl has been such a consistently popular investment for brands of all shapes and sizes. It’s also why it’s a perfectly logical place to splash your customer growth trajectory with rocket fuel. Brands like FanDuel and DoorDash have used the event to entice new customers onto their platforms. This year, FanDuel is asking people to choose between Peyton and Eli Manning in the “Kick of Destiny 3.” There’s a reason for that. The first “Kick of Destiny” not only got 14 billion impressions and a 10% boost in brand awareness, but FanDuel averaged 2 million active users making roughly 17 million total bets. The platform attracted 70% of the available new online bettors during that game. Last year Doordash’s “Doordash All the Ads” gave viewers the chance to enter a contest to win everything advertised during the game. In addition to the 11.9 billion impressions it got, the contest also delivered 8 million applications on the platform. Basically, anyone who is pushing a specific promotion on their platform or involving their product, that’s an ad for growth mode. That holy s**t hype ad It’s all in the name. The most important metric here is brand awareness. Not only does the ad need to get your attention, and sink its hooks into your memory, it needs to do so in a way that you actually know what brand the ad and surrounding campaign is for. Typically, what we see here are lesser-known brands that need a Super Bowl-sized shot in the arm, or bigger brands that have gone a bit stale. A great example of the former is The Farmer’s Dog ad in 2023, which came out of absolutely nowhere to win the USA Today Ad Meter (and was co-created by former Fast Company senior editor Teressa Iezzi). A classic in this category is Chrysler’s 2011 spot “Born of Fire” with Eminem. The Emmy-winning ad not only introduced the new Chrysler 200, it did so by celebrating the city of Detroit, still reeling from the economic downturn of 2008. Having Eminem involved was an unexpected dose of hometown cool that helped boost the brand and sales significantly. The company credited the ad with helping it turn its first profitable quarter in two years. More recently, both Coinbase and Tubi used creative executions on the big night to pique our collective curiosity. For Coinbase, it was a bouncing DVD-like, floating QR code. Meanwhile, Tubi made everyone watching in 2023 think someone was changing the channel with its 15-second spot. Tubi CMO Nicole Parlapiano, told Adweek, “Our strategy on those ads was really to get our name out there. We didn’t have very high consumer advertiser awareness at that point, and so we were just trying to be stunty and get people talking about Tubi.” Mission accomplished. Weird if they aren’t here ads These are the brands that are so big, so iconic, that you expect them to be there. And if they’re not, it just feels . . . weird. Budweiser. Doritos. Automotive brands, fast-food, major snack and candy brands. Sure, they may take a year off here and there, but you still expect to see them. Every year we get some version of horses and puppy dogs from Budweiser. And almost every year its ad is among the most popular with viewers. This year is no exception, with the keg delivery foal also delivering the second-most positive emotional reactions from viewers among full ads released so far (after only the NFL’s own spot), according to global creative effectiveness platform DAIVID. Doritos has brought back its incredibly popular “Crash the Super Bowl” ad contest, tapping into the tradition it established more than a decade ago. Even Dunkin is really stepping up its Status Quo pedigree, with three years of Ben Affleck-led spots that are getting increasingly unhinged, and I am 100% here for it. Take a leak ads Despite the occasion, the pomp, the circumstance, the Super Bowl still is not immune to utterly forgettable commercials that ultimately waste our time and the brand’s ad budgets. High anticipation, low pay-off. The upside of a bad ad is that you can go for a washroom break without missing anything. That said, this year toilet paper brand Angel Soft is creatively using this time-honored tradition of leaving the room during the commercials into a brand opportunity unto itself. Or, sorry, a potty-tunity. That baby angel’s voice may be pure, uncut nightmare fuel, but the brand strategy here is spot on. Other ads that would fit this category are tough to recall because they just rank so high on the forgettability scale. It’s the advertising equivalent to the Men In Black neuralyzer. Still, you can essentially add Weathertech to the list every year. Other than that, if I had a time machine, I’d warn everyone that the Lionel Messi Michelob Ultra ad from last year was easily one of the highest-quality (and most expensive) potty-tunities of the game. Going off-broadway ads As the Super Bowl continues to grow far beyond the time limits and ad availability within the confines of four quarters, more and more brands are tapping into opportunity around the game. Since this is a moment when we’re all paying just a wee bit more attention to what brands are doing, advertisers can blend in with official sponsors without shelling out that broadcast entry fee. Miller Lite did it last year, replacing an official Big Game ad by handing out QR-coded T-shirts to fans to wear that others can scan for free beer money. This year, the Kelce brothers’ co-owned beer brand Garage Beer is leaning heavily into the fact it can’t afford to buy big game air time, despite having the creative chops to play. The brand has also dubbed the Chiefs vs. Eagles game “The Garage Bowl,” given Travis is playing against Jason’s former team. https://twitter.com/drinkgaragebeer/status/1885365701415690401 Back in 2019, Skittles did have a Super Bowl spot, but used the opportunity to promote an actual Broadway show called Skittles: The Musical, starring Michael C. Hall. It was a hit! Well, at least in advertising terms, if not on the snobby theater geek scale. One of the most infamous examples of hijacking the Super Bowl came back in 2013, at the very stadium of this year’s game. In the third quarter of the Ravens/49ers Super Bowl, the power went out and delayed the game for 34 minutes. Oreo saw an opportunity . . . and tweeted. The “dunk in the dark” tweet is a core entry in the canon of social media marketing, for its ability and agility to creatively capitalize on a collective cultural moment. But the greatest example of this category came the very next year. In 2014, Newcastle Brown Ale couldn’t afford the $4.5 million price tag of a Super Bowl spot. So instead, it imagined what it would do if it did have the money, and then made a commercial campaign about that. “If We Made It” was a series of spots that ranged from simple text-based ads, to clips of focus groups reacting to over-the-top Super Bowl ad ideas ad, to behind the scenes videos with celebs like Anna Kendrick. It was a hit, earning as much media coverage as most actual Super Bowl spots. View the full article

The prospect of both megalenders being released from conservatorship and the downgrading of each firm's respective stock are top of mind for executives. View the full article

International SEO is the process of optimizing your website to rank across multiple countries and languages. View the full article

SEO for publishers is the process of improving an online publication to gain visibility in search engines. View the full article

If you’re a small business owner, chances are you’ve considered taking out a loan to help finance your operations. But how do you know if you’re eligible for a small business loan? And what’s the process like? In this comprehensive guide about how to get a small business loan, we’ll discuss everything you need to know, including some handy tips from some insiders. Let’s get started with successfully securing that loan for your venture! How to Get a Loan for a Small Business So, you have your business plan in place, and you’re prepared to secure a business loan. Before you proceed with your application on how to get a small business loan, take a look at these helpful tips… Business plan Having a business plan is essential when applying for a small business loan. Your business plan will show lenders how you plan to use the loan and how you will repay it. A good business plan will also include financial projections for your business. Have a good credit score With a good credit score, you will be more likely to get a lower interest rate on your loan because you are a less risky borrower. If you have a bad credit score, you may still be able to get a loan, but the interest rate will be higher, and you’ll have fewer options for lenders. Having collateral Collateral is an asset that you pledge to the lender in case you can’t repay the loan. Collateral can be your home, your car, or other personal assets like stocks, bonds, or jewelry. Having collateral will give you a better chance of getting a loan, but it’s not always required. Strong repayment history If you have a strong history of repaying loans, you will be more likely to get approved for a small business loan. Lenders will want to see that you have a track record of repaying your debts on time. Apply for the right loan There are many different loan options for small businesses. Make sure you apply for one that’s best suited to your business’s specific needs. For example, if you need money for equipment, you may want to apply for an equipment loan. Find the right lender There are many different lenders out there, so it’s important to find the right one for you. Consider things like interest rates, repayment terms, and fees before making a decision. You’ll also want to consider whether you want to work with a bank or another type of lender. Provide financial statements Financial statements show lenders how much revenue your business generates and how much debt it has. These statements will help the lender determine if you can repay the loan. Financial statements include things like balance sheets, income statements, business bank statements, and cash flow statements. Complete the application process The application process for a small company loan can be time-consuming. Make sure you have all the required documents and information before you start. You’ll also want to make sure you understand the terms of the loan and what will be expected of you before you sign. Be prepared for the underwriting process Underwriting is the process by which lenders evaluate your loan application. They will look at things like your credit score, business history, and financial statements. Be prepared for this process by having all the required documentation, such as your business license and tax returns. Work with a professional There are many different types of loans, and the process of applying for one can be complicated. If you’re not sure where to start, or if you need help with the application process, consider working with a professional loan advisor. They can help you find the best loan for your business and guide you through the application process. Comparison of Factors for Small Business Loan Applications This comprehensive comparison table outlines essential factors to consider when applying for a business loan. Use it as a checklist as you navigate the loan application process, helping you make well-informed decisions to secure the right financing for your business: FactorDescription 1. Business Plan- Essential for demonstrating your loan purpose and repayment plan. Should include financial projections. 2. Credit Score- A good credit score can secure a lower interest rate. Bad credit may lead to higher rates and fewer lender options. 3. Collateral- Pledging assets (e.g., home, car) can enhance loan approval chances. Not always mandatory, depending on the loan type. 4. Repayment History- A strong history of timely loan repayments improves approval odds. 5. Loan Type- Choose the loan type that aligns with your business needs (e.g., equipment loan for equipment purchase). 6. Lender Selection- Consider factors such as interest rates, terms, and fees when choosing a lender. Decide between banks and alternative lenders. 7. Financial Statements- Present financial statements (balance sheets, income statements, bank statements, cash flow statements) to showcase your business's financial health. 8. Application Process- Gather all necessary documents and information before initiating the application process. Understand loan terms and obligations before signing. 9. Underwriting Process- Be prepared for the lender's evaluation, including credit score assessment and reviewing your business history. Ensure you have all required documentation, such as business licenses and tax returns. 10. Professional Assistance- Consider working with a loan advisor if you're unsure or need help with the loan application process. They can offer guidance and find suitable loan options. What Is a Small Business Loan? A small business loan serves as a financial resource that helps small businesses obtain the capital they need to operate, grow, or launch their projects. These loans are typically provided by various financial institutions, each offering different terms and interest rates. Let’s delve into the key features of a small business loan: Definition and Purpose: Startup Costs: Assisting new businesses in covering the initial costs necessary for launching. Working Capital: Providing funds to maintain daily operations and manage cash flow efficiently. Inventory Purchases: This allows businesses to replenish their inventory, which is crucial for taking advantage of seasonal sales surges. Equipment Acquisition: Helping with the purchase of essential machinery, technology, or equipment to enhance business operations. Lender Options: Banks: Traditional lenders that offer loans with a variety of terms and conditions, generally with lower interest rates but stricter eligibility criteria. Credit Unions: Not-for-profit organizations that generally offer favorable interest rates and more personalized service. Online Lenders: Modern platforms that offer a quick application process and faster approval times, though they might have higher interest rates. Loan Types: Term Loans: Loans that are repaid over a set period with a fixed or variable interest rate. Line of Credit: A revolving credit option that allows businesses to borrow up to a certain limit and only pay interest on the amount borrowed. Equipment Financing: Loans specifically for purchasing equipment, where the equipment serves as collateral. SBA Loans: Loans guaranteed by the Small Business Administration, which usually come with favorable terms but have a thorough approval process. Application Process: Documentation: Gathering necessary documents such as business plans, financial statements, and tax returns. Credit Score: Understanding the importance of having a good business or personal credit score to increase the chances of approval. Proposal: Crafting a solid business proposal to illustrate the viability and potential success of the business. Consultation: Seeking advice from financial advisors or consultants to choose the best loan option. READ MORE: How to Get a Business Loan with Bad Credit Here’s an interview with Chris Hurn about Using SBA Loans to Buy a Business: What Are the Types of Small Business Loans? There are many different types of small business loans offered by lenders. Many lenders even work with the Small Business Administration (SBA) to offer loans backed by the government. Here is a list of the primary types of small business loans: SBA loans. These loans are backed by the Small Business Administration and can be used for many different purposes, including start-up costs, equipment, working capital, and even real estate. SBA loan programs include the 7(a) loan program, the 504 loan program, and the disaster assistance loan program. Term loans. A term loan is a type of loan that has a specific repayment schedule and a fixed interest rate. Term loans are typically used to finance short-term needs, such as working capital or inventory. Business lines of credit. A business line of credit (LOC) is a loan that a business can draw on as needed. A LOC can be used for working capital, to finance inventory, or to cover other expenses. It’s similar to a credit card but with a lower interest rate. Invoice factoring. Invoice factoring is when a business sells its invoices to a third party for less money than the invoices are worth. The third party then collects the payments from the people who owe the money. This way, the business can use the money it gets from selling the invoices to pay its current expenses. Merchant cash advances. Merchant cash advances are short-term, unsecured loans that give business owners the flexibility they need to cover their expenses. These advances are paid back using a portion of the business’s future credit card sales. Do You Qualify for a Small Business Loan? To qualify for a small business loan, you’ll need business assets, among other things. Here are some general qualifications lenders look at for small business loans: Business credit score. This is a number that lenders use to assess your creditworthiness. You’ll need a good business credit score to qualify for a loan. Business history. Lenders will want to see that you have a strong history of running a successful business. Your personal credit score is an important factor that lenders will take into account when assessing your loan application. Collateral. Many lenders will require that you put up collateral, such as your house or another asset, to secure the loan. Lenders may also require a personal guarantee. Cash flow. Lenders will want to see that your business has a strong cash flow in order to repay the loan. READ MORE: Business Loan Calculator How Do You Choose the Right Lender for a Small Business Loan? When looking for a small business loan, it is important to choose the right lender. Traditional lenders, such as banks, offer loans to businesses that have been in operation for a certain amount of time and meet other criteria. Online lenders can be an excellent choice for businesses that either do not qualify for traditional loans or require funds urgently. Before making a decision, it’s crucial to investigate various small business lenders and compare interest rates, terms, and other relevant factors. What Are Alternative Options to a Small Business Loan? There are many alternative funding options for small businesses that might not qualify for traditional loans, especially those with unique needs or imperfect credit histories. These alternatives provide various benefits tailored to different business models and financial circumstances: Credit Unions: Often more flexible than large banks, credit unions can provide loans with lower interest rates and personalized service. They’re community-focused and may have more interest in supporting local businesses. Crowdfunding: Platforms like Kickstarter and Indiegogo allow businesses to raise funds directly from customers and supporters. This method not only secures funding but also validates the business idea in the market. Invoice Financing: This allows businesses to borrow against the amounts due from customers, providing immediate cash flow relief. It’s ideal for businesses with long invoice cycles. Microloans: Organizations, including some non-profits and the SBA, offer microloans, which are small loans designed to help startups and small businesses grow. These are especially useful for businesses not requiring large amounts of capital. Peer-to-peer Lending: Online platforms connect businesses with individual investors willing to lend money directly, bypassing traditional financial institutions. This can be a quicker, more accessible option for funding. Also consider: Bad Credit Business Loans: Certain lenders focus on providing loans to businesses that have poor credit histories. Although the interest rates may be higher, these loans offer a chance to improve credit and secure essential funding. Borrowing from Friends or Family: A common strategy for many startups, borrowing from friends or family can offer flexible repayment terms, but it’s important to treat the agreement professionally to avoid personal conflicts. Using Business Credit Cards: Business credit cards can serve as a fast and convenient option for short-term financing requirements. They provide rewards and can contribute to building the business’s credit profile. Applying for a Government Grant: Various government grants are available to small businesses in specific industries or regions. These grants do not need to be repaid, making them an attractive option for eligible businesses. Are Small Business Loans Hard to Get? There is no definitive answer to this question, as it depends on the lender and the specifics of the loan application. However, business credit scores are often a factor that lenders consider when approving or denying a loan. High credit scores indicate that a business is reliable and has a good credit history, while a low score may suggest that the business is risky and may not be able to repay the amount borrowed. What Is the Easiest SBA Loan to Get? The simplest SBA loan to obtain is the 7(a) loan. This loan caters to small businesses that are either starting up or looking to expand. You can use the funds for various purposes, such as working capital, purchasing equipment, and marketing. The application process for this loan is fairly straightforward, and the requirements are less stringent compared to other types of loans. Can You Get a Loan for Your First Business? Yes, as a new business owner, you can secure a loan for your first company. The SBA provides loans to entrepreneurs starting or expanding a small business. However, navigating the loan acquisition process can prove complex. You must present a strong business plan and maintain a solid credit history. To qualify for an SBA loan, you need to base your business in the United States and satisfy specific criteria. You might also want to explore some of the alternative financing options mentioned earlier in this article. Image: Depositphotos This article, "How to Get a Small Business Loan: Insider Tips Revealed" was first published on Small Business Trends View the full article

If you’re a small business owner, chances are you’ve considered taking out a loan to help finance your operations. But how do you know if you’re eligible for a small business loan? And what’s the process like? In this comprehensive guide about how to get a small business loan, we’ll discuss everything you need to know, including some handy tips from some insiders. Let’s get started with successfully securing that loan for your venture! How to Get a Loan for a Small Business So, you have your business plan in place, and you’re prepared to secure a business loan. Before you proceed with your application on how to get a small business loan, take a look at these helpful tips… Business plan Having a business plan is essential when applying for a small business loan. Your business plan will show lenders how you plan to use the loan and how you will repay it. A good business plan will also include financial projections for your business. Have a good credit score With a good credit score, you will be more likely to get a lower interest rate on your loan because you are a less risky borrower. If you have a bad credit score, you may still be able to get a loan, but the interest rate will be higher, and you’ll have fewer options for lenders. Having collateral Collateral is an asset that you pledge to the lender in case you can’t repay the loan. Collateral can be your home, your car, or other personal assets like stocks, bonds, or jewelry. Having collateral will give you a better chance of getting a loan, but it’s not always required. Strong repayment history If you have a strong history of repaying loans, you will be more likely to get approved for a small business loan. Lenders will want to see that you have a track record of repaying your debts on time. Apply for the right loan There are many different loan options for small businesses. Make sure you apply for one that’s best suited to your business’s specific needs. For example, if you need money for equipment, you may want to apply for an equipment loan. Find the right lender There are many different lenders out there, so it’s important to find the right one for you. Consider things like interest rates, repayment terms, and fees before making a decision. You’ll also want to consider whether you want to work with a bank or another type of lender. Provide financial statements Financial statements show lenders how much revenue your business generates and how much debt it has. These statements will help the lender determine if you can repay the loan. Financial statements include things like balance sheets, income statements, business bank statements, and cash flow statements. Complete the application process The application process for a small company loan can be time-consuming. Make sure you have all the required documents and information before you start. You’ll also want to make sure you understand the terms of the loan and what will be expected of you before you sign. Be prepared for the underwriting process Underwriting is the process by which lenders evaluate your loan application. They will look at things like your credit score, business history, and financial statements. Be prepared for this process by having all the required documentation, such as your business license and tax returns. Work with a professional There are many different types of loans, and the process of applying for one can be complicated. If you’re not sure where to start, or if you need help with the application process, consider working with a professional loan advisor. They can help you find the best loan for your business and guide you through the application process. Comparison of Factors for Small Business Loan Applications This comprehensive comparison table outlines essential factors to consider when applying for a business loan. Use it as a checklist as you navigate the loan application process, helping you make well-informed decisions to secure the right financing for your business: FactorDescription 1. Business Plan- Essential for demonstrating your loan purpose and repayment plan. Should include financial projections. 2. Credit Score- A good credit score can secure a lower interest rate. Bad credit may lead to higher rates and fewer lender options. 3. Collateral- Pledging assets (e.g., home, car) can enhance loan approval chances. Not always mandatory, depending on the loan type. 4. Repayment History- A strong history of timely loan repayments improves approval odds. 5. Loan Type- Choose the loan type that aligns with your business needs (e.g., equipment loan for equipment purchase). 6. Lender Selection- Consider factors such as interest rates, terms, and fees when choosing a lender. Decide between banks and alternative lenders. 7. Financial Statements- Present financial statements (balance sheets, income statements, bank statements, cash flow statements) to showcase your business's financial health. 8. Application Process- Gather all necessary documents and information before initiating the application process. Understand loan terms and obligations before signing. 9. Underwriting Process- Be prepared for the lender's evaluation, including credit score assessment and reviewing your business history. Ensure you have all required documentation, such as business licenses and tax returns. 10. Professional Assistance- Consider working with a loan advisor if you're unsure or need help with the loan application process. They can offer guidance and find suitable loan options. What Is a Small Business Loan? A small business loan serves as a financial resource that helps small businesses obtain the capital they need to operate, grow, or launch their projects. These loans are typically provided by various financial institutions, each offering different terms and interest rates. Let’s delve into the key features of a small business loan: Definition and Purpose: Startup Costs: Assisting new businesses in covering the initial costs necessary for launching. Working Capital: Providing funds to maintain daily operations and manage cash flow efficiently. Inventory Purchases: This allows businesses to replenish their inventory, which is crucial for taking advantage of seasonal sales surges. Equipment Acquisition: Helping with the purchase of essential machinery, technology, or equipment to enhance business operations. Lender Options: Banks: Traditional lenders that offer loans with a variety of terms and conditions, generally with lower interest rates but stricter eligibility criteria. Credit Unions: Not-for-profit organizations that generally offer favorable interest rates and more personalized service. Online Lenders: Modern platforms that offer a quick application process and faster approval times, though they might have higher interest rates. Loan Types: Term Loans: Loans that are repaid over a set period with a fixed or variable interest rate. Line of Credit: A revolving credit option that allows businesses to borrow up to a certain limit and only pay interest on the amount borrowed. Equipment Financing: Loans specifically for purchasing equipment, where the equipment serves as collateral. SBA Loans: Loans guaranteed by the Small Business Administration, which usually come with favorable terms but have a thorough approval process. Application Process: Documentation: Gathering necessary documents such as business plans, financial statements, and tax returns. Credit Score: Understanding the importance of having a good business or personal credit score to increase the chances of approval. Proposal: Crafting a solid business proposal to illustrate the viability and potential success of the business. Consultation: Seeking advice from financial advisors or consultants to choose the best loan option. READ MORE: How to Get a Business Loan with Bad Credit Here’s an interview with Chris Hurn about Using SBA Loans to Buy a Business: What Are the Types of Small Business Loans? There are many different types of small business loans offered by lenders. Many lenders even work with the Small Business Administration (SBA) to offer loans backed by the government. Here is a list of the primary types of small business loans: SBA loans. These loans are backed by the Small Business Administration and can be used for many different purposes, including start-up costs, equipment, working capital, and even real estate. SBA loan programs include the 7(a) loan program, the 504 loan program, and the disaster assistance loan program. Term loans. A term loan is a type of loan that has a specific repayment schedule and a fixed interest rate. Term loans are typically used to finance short-term needs, such as working capital or inventory. Business lines of credit. A business line of credit (LOC) is a loan that a business can draw on as needed. A LOC can be used for working capital, to finance inventory, or to cover other expenses. It’s similar to a credit card but with a lower interest rate. Invoice factoring. Invoice factoring is when a business sells its invoices to a third party for less money than the invoices are worth. The third party then collects the payments from the people who owe the money. This way, the business can use the money it gets from selling the invoices to pay its current expenses. Merchant cash advances. Merchant cash advances are short-term, unsecured loans that give business owners the flexibility they need to cover their expenses. These advances are paid back using a portion of the business’s future credit card sales. Do You Qualify for a Small Business Loan? To qualify for a small business loan, you’ll need business assets, among other things. Here are some general qualifications lenders look at for small business loans: Business credit score. This is a number that lenders use to assess your creditworthiness. You’ll need a good business credit score to qualify for a loan. Business history. Lenders will want to see that you have a strong history of running a successful business. Your personal credit score is an important factor that lenders will take into account when assessing your loan application. Collateral. Many lenders will require that you put up collateral, such as your house or another asset, to secure the loan. Lenders may also require a personal guarantee. Cash flow. Lenders will want to see that your business has a strong cash flow in order to repay the loan. READ MORE: Business Loan Calculator How Do You Choose the Right Lender for a Small Business Loan? When looking for a small business loan, it is important to choose the right lender. Traditional lenders, such as banks, offer loans to businesses that have been in operation for a certain amount of time and meet other criteria. Online lenders can be an excellent choice for businesses that either do not qualify for traditional loans or require funds urgently. Before making a decision, it’s crucial to investigate various small business lenders and compare interest rates, terms, and other relevant factors. What Are Alternative Options to a Small Business Loan? There are many alternative funding options for small businesses that might not qualify for traditional loans, especially those with unique needs or imperfect credit histories. These alternatives provide various benefits tailored to different business models and financial circumstances: Credit Unions: Often more flexible than large banks, credit unions can provide loans with lower interest rates and personalized service. They’re community-focused and may have more interest in supporting local businesses. Crowdfunding: Platforms like Kickstarter and Indiegogo allow businesses to raise funds directly from customers and supporters. This method not only secures funding but also validates the business idea in the market. Invoice Financing: This allows businesses to borrow against the amounts due from customers, providing immediate cash flow relief. It’s ideal for businesses with long invoice cycles. Microloans: Organizations, including some non-profits and the SBA, offer microloans, which are small loans designed to help startups and small businesses grow. These are especially useful for businesses not requiring large amounts of capital. Peer-to-peer Lending: Online platforms connect businesses with individual investors willing to lend money directly, bypassing traditional financial institutions. This can be a quicker, more accessible option for funding. Also consider: Bad Credit Business Loans: Certain lenders focus on providing loans to businesses that have poor credit histories. Although the interest rates may be higher, these loans offer a chance to improve credit and secure essential funding. Borrowing from Friends or Family: A common strategy for many startups, borrowing from friends or family can offer flexible repayment terms, but it’s important to treat the agreement professionally to avoid personal conflicts. Using Business Credit Cards: Business credit cards can serve as a fast and convenient option for short-term financing requirements. They provide rewards and can contribute to building the business’s credit profile. Applying for a Government Grant: Various government grants are available to small businesses in specific industries or regions. These grants do not need to be repaid, making them an attractive option for eligible businesses. Are Small Business Loans Hard to Get? There is no definitive answer to this question, as it depends on the lender and the specifics of the loan application. However, business credit scores are often a factor that lenders consider when approving or denying a loan. High credit scores indicate that a business is reliable and has a good credit history, while a low score may suggest that the business is risky and may not be able to repay the amount borrowed. What Is the Easiest SBA Loan to Get? The simplest SBA loan to obtain is the 7(a) loan. This loan caters to small businesses that are either starting up or looking to expand. You can use the funds for various purposes, such as working capital, purchasing equipment, and marketing. The application process for this loan is fairly straightforward, and the requirements are less stringent compared to other types of loans. Can You Get a Loan for Your First Business? Yes, as a new business owner, you can secure a loan for your first company. The SBA provides loans to entrepreneurs starting or expanding a small business. However, navigating the loan acquisition process can prove complex. You must present a strong business plan and maintain a solid credit history. To qualify for an SBA loan, you need to base your business in the United States and satisfy specific criteria. You might also want to explore some of the alternative financing options mentioned earlier in this article. Image: Depositphotos This article, "How to Get a Small Business Loan: Insider Tips Revealed" was first published on Small Business Trends View the full article

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There’s nothing more annoying than arriving at your destination and finding that your checked baggage didn’t make the trip. But thanks to Apple’s new partnership with 15 different airlines, it’s easier than ever to track down your lost luggage—provided you have the right $29 gadget. Here’s what you need to know to help track down your missing baggage as efficiently as possible. U.S. airlines mishandle millions of bags every year While most checked bags get on the proper flight with their owner and arrive as planned, the U.S. Department of Transportation says over 2.8 million bags were “mishandled” by reporting U.S. carriers in 2023. The agency defines a “mishandled” bag as one that is “lost, delayed, damaged or pilfered.” In 2023, about 5.8 out of every 1,000 passengers had something happen to their checked baggage, according to the Bureau of Transportation Statistics. While a damaged bag is unfortunate, at least most your belongings arrive. “Mishandled” bags that are lost, delayed, or stolen, on the other hand, can drastically impact your trip and lead to significant financial losses, depending on what they contain. And, if you’re traveling for business, a lost bag can significantly hamper your work plans. Historically, the only way you could track your checked baggage was via the identifier on the sticker that a gate agent placed on your bag when you dropped it off. In 2021, Apple introduced the AirTag item tracker, giving hundreds of millions of iPhone users a new way to track their items—whether that included keys, purses, or flash drives. Unsurprisingly, many users used AirTags to help track their checked bags from one location to another. The problem was that while users could easily see where their AirTag and attached items were, using the Find My app on their iPhone, they had no easy way to share this information with the airline staff tasked with tracking missing luggage. But now, thanks to recent software updates and agreements with major airlines, that’s changed. Apple teams up with airlines to share AirTag locations Apple released iOS 18.2 in mid-December. The iPhone operating system update garnered headlines for integrating ChatGPT into Apple Intelligence. However, iOS 18.2 also introduced a new feature to AirTags called “Share Item Location.” The feature finally allows users to easily share the location of an AirTag with another individual of their choice. When an AirTag owner shares its location using the Share Item Location feature, the person they choose will receive a link to an interactive map viable in a web browser. The map will show the last known location of the AirTag as well as its geo-coordinates. This allows a third party to track down an AirTag’s shared location easily. [Image: Apple] AirTags have had their share of criticisms since bad actors can use them in nefarious ways, but with Share Item Location, Apple includes a restriction regarding who can access the shared link revealing the AirTag’s location. After clicking on the link, an individual must log into the Share Item Location portal with their Apple ID or an airline partner ID. This ensures that there is always a record of who is viewing your AirTag’s location. Airlines that have partnered with Apple so far include Aer Lingus, Air Canada, Air New Zealand, Austrian Airlines, British Airways, Brussels Airlines, Delta Air Lines, Eurowings, Iberia, KLM Royal Dutch Airlines, Lufthansa, Qantas, Singapore Airlines, Swiss International Air Lines, Turkish Airlines, United Airlines, Virgin Atlantic, and Vueling. If you fly United and you use the United Airlines app to file a missing bag report, you can now include the AirTag’s Share Item Location link with the report. This, says David Kinzelman, United’s chief customer officer, allows United’s staff to “use the location information to find the bag and get it reunited with its owner much more quickly.” How to share your AirTag’s location with an airline to help find your missing luggage With the ability to now share your AirTag’s location with many of the world’s top airlines, it seems like an AirTag should be in every traveler’s arsenal. If you’ve lost a piece of luggage (ugh!) but were savvy enough to have put an AirTag on it, here’s how to share its location with airline staff: Open the Find My app on your iPhone. Tap the Items button in the bottom toolbar. Select the AirTag attached to your missing luggage from the list of items. On the next screen, tap Share Item Location. Tap Continue. Now tap the Share Link button and copy and paste the URL into the airline’s missing baggage report. Airline staff will then log into the AirTag Share Item Location portal to help identify the location of your missing bag so you can get it back as quickly as possible. A single AirTag is just $29; there’s no associated subscription fee for the Find My tracking service. You can also buy a pack of four AirTags from Apple for just $99—perfect if you check a lot of bags when you travel. View the full article

We all know the people pleaser in the office—the one who takes on extra work, stays late without being asked, and is at the full disposal of the department manager. They also may agree with whatever the majority says and will dodge conflict, even though they are in the right. But does this mentality pay off? Likely not, say experts. Who exactly is a people pleaser? A people pleaser is someone who abandons their own needs and values to try and make someone else happy, explains Amy Morin, a psychotherapist and the author of 13 Things Mentally Strong People Don’t Do. While on the surface, you may think this selfless approach will fast-track you at work, however, this mindset can hurt your job success. Here’s how: Your ideas won’t be shared: Your rah-rah attitude, or fear of making waves could be a barrier, especially in brainstorming sessions. “You may not disagree with anyone or offer different opinions due to fear you might upset someone,” says Morin. Plus, this facade could prevent you from speaking your true opinions. “You also might agree to things you don’t really believe in, because you fear your ideas might be frowned upon,” she says. You won’t demonstrate leadership skills: If you want to advance in your career, it’s critical to showcase your ability to lead a team. “It’s important to be able to say ‘no,’ and if you can’t, you’re going to go along with bad ideas or you might get talked into doing things that are bad for the company,” says Morin. “You aren’t likely to be promoted if you look like a doormat.” You won’t advocate for yourself: Being a people pleaser can cause you to be afraid to speak up when you need to at work. You won’t ask for a raise, speak up when you’re treated poorly, or ask for what you need, Morin says. If you don’t advocate for yourself, others are likely to surpass you. You dilute the quality of your work: Being a people pleaser can usurp both your time and energy. “If you’re always saying ‘yes’ to helping other people, you’ll have less time and energy to devote to your tasks,” cautions Morin. “The quality of your work is likely to suffer because you’ll be spread too thin.” You shield your authenticity: People also don’t get to know the real you when you don’t share your true thoughts or personality. A people pleaser might feel lonely because they don’t get to develop authentic relationships with people, says Morin. You take on others’ emotional baggage: You don’t have the power to make others feel happy—and if you try, you might grow frustrated, says Morin. “People pleasers often blame themselves for how other people feel, so you may assume you’re doing something wrong if your efforts aren’t making them happy,” she says. You can hinder your own success: People pleasers shy away from difficult conversations about their progress or tend to avoid advocating for their own development, says Michelle Reisdorf, district president at Robert Half in Chicago. “This can hinder their career growth and potential opportunities,” she says. You don’t set healthy boundaries: People-pleasing employees can get stuck with a heavier workload because they don’t speak up more when work is unloaded onto them. ”If someone struggles with setting healthy boundaries, they may end up taking on more work than what is manageable or accepting demands that fall outside their typical responsibilities,” says Reisdorf. How can a people pleaser pivot themselves to self-advocacy? It can take a plan and then practice for effective strategies to collaborate and cooperate without people-pleasing, but having the will is the best springboard to turn the page on being a doormat. “It might involve finding ways to speak up and say what you need, while recognizing that no one has to give you what you’re asking for,” says Morin. She notes it can take planning and practice to get better at collaborating without turning to people-pleasing. But it is possible to improve, says Morin. “It might involve finding ways to speak up and say what you need, while recognizing that no one has to give you what you’re asking for. So, if you’re uncomfortable speaking up for yourself, start small, advises Morin. “Share one idea at every meeting you attend,” she suggests. “And, when you share ideas often, you’ll see that there will be times when people disagree or dismiss your ideas.” The goal is to get more comfortable with that. As you ease into this plan, she acknowledges there will also be times when people really like your ideas and you may find it feels uncomfortable to be the center of attention or to receive praise, but this is part of your growing strategy. “Exposing yourself to that feeling will also help you grow more comfortable with it.” Another key component of breaking this pattern is to accept that you can’t make everyone happy and sometimes there will be conflict. Disagreements are part of any healthy relationship, and they often lead to better solutions and new strategies, she says. “You may need to work on yourself to recognize that you’re still an okay person even if someone disagrees or is angry with you.” If you always say yes, set out to say no or disagree at least one time per week, Morin recommends. You’ll see how others react and respond to you when you decline an invitation or express yourself. “That can help you see that people aren’t likely to get as upset as you imagined or respond with anger,” Morin says. “And if they do get upset, it’s just another opportunity to practice tolerating your discomfort and coping with those feelings.” Additionally, setting boundaries can allow people pleasers to feel empowered. This path can lead to more confidence and self-advocacy. “Once you’ve assessed your bandwidth, I recommend discussing it with your manager or a trusted mentor to develop a work plan that establishes clear boundaries and aligns with both your well-being and the team’s goals,” says Reisdorf with Robert Half. This more measured approach can be liberating and help you avoid project overload. “Setting attainable and measurable goals will help guide your efforts, keeping you accountable for your progress while also highlighting areas where you might have the capacity to support others in a more balanced and sustainable way,” says Reisdorf. View the full article

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You know you’ve said it. We all have. “Mmm, that looks so delicious—I want to try some!” That’s because when it comes to what we eat, it’s not just a matter of taste. What foods and drinks look like—the colors we see before the first morsels or sips hit our taste buds—have mattered to people for millennia. And nowhere has that been more blatant than the American food palate, where the visual spectrum we choose from includes not only the primary colors but artificial ones that nature couldn’t even dream up. For well over a century, food manufacturers in the United States have used synthetic dyes in their products as part of their production and marketing efforts. Often, it’s been in hopes of making a mass-produced food look as fresh and natural as possible, reminiscent of the raw ingredients used in its production. In other cases, it’s been about making an item look interesting or distinctive from competitors, like candies or desserts in an electric blue or neon pink. Think “blue raspberry Slurpee” or “Flamin’ Hot Cheetos.” It hasn’t been without controversy. Over the decades, there have been pushback and government regulation over just how food and drink have been colored, most recently with the decision last month from the federal Food and Drug Administration to ban red dye No. 3 from foods and oral-ingested drugs because of concerns over a possible cancer risk. But no one’s calling for food NOT to be colorful. That’s because there’s no escaping the importance of what we see when it comes to what we eat, says Devina Wadhera, faculty associate at the College of Integrative Sciences and Arts of Arizona State University. “Your first sensory contact, if your eyes are open, is going to be sight,” she says. “That’s going to be the first judgment we’re going to make.” Visual appeal is pivotal The food manufacturers of the late 19th century knew they had to get the visual appeal right. It was part of their marketing, as a shorthand to encourage brand recognition, to make consumers feel comfortable about quality and overcome worries (or realities) about spoilage as food production became industrialized, says Ai Hisano, author of Visualizing Taste: How Business Changed the Look of What You Eat. Synthetic dyes helped overcome problems like foods losing color in the production process and helped make foods look more “natural,” she says. Then, over time, dyes were deployed to make foods look “fun” and appealing to audiences like young children. (That doesn’t mean manufacturers didn’t sometimes use colorants that could even be deadly—hence the reason there’s regulation.) She pointed to the mid-20th century example of cake mixes, which reduced the amount of effort required to bake a cake at home because most of the ingredients were already included. Food companies began promoting colorful icing for the cakes as a way women baking at home “could kind of present their personality even though they are making a premixed cake,” Hisano says. We become conditioned to coloring The connections we make between colors and foods are learned, Wadhera says. “Throughout our lives, we make associations which mean things. Cake is associated with birthdays. Ice cream is associated with parties and good times, so everything is associative learning. Color is one of those things that we have this tendency to learn about different flavor pairings.” She gave the example of the spate of products like chips and other snacks that are marketed as having an extra kick. Often “they’re super red because (companies are) trying to say, ‘Hey, this is going to be spicy’ because they’re trying to get to this sensation or perception that this is going to be really spicy—buy it.” The connections that we make between color and taste can also change according to the context, says Charles Spence, professor of experimental psychology at the University of Oxford. A blue liquid in a plastic cup in a bathroom? Could be minty mouthwash. The exact same color liquid, in a bar, held in a rocks glass? Could be bitter gin. Different cultures around the world also have different color associations, he says, although it’s fairly constant across geographies that the more vivid a color is, the more intense people assume the flavor will be. It can even extend past the food itself to the colors involved in its presentation, Wadhera says, pointing to research showing people eating different amounts or preferring certain foods linked to the colors of the dishes used to serve them. And much of the time, she says, people aren’t necessarily aware they’re doing it. “There’s a lot of things with color that you can manipulate and affect judgments,” she says. “You don’t think of it, though. . . . We make automatic judgments on the food and we don’t even realize it.” —By Deepti Hajela, Associated Press View the full article

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In the digital world where creativity knows no bounds, Patreon has emerged as a powerful membership platform that allows creators to earn a sustainable income. With Patreon, creatives across all fields can turn their passion into profit, engaging a community of fans who are willing to pay for exclusive access to their work. This article explores how to make money on Patreon and provides tips for maximizing your success. What is Patreon? So, what is Patreon, and how can creators leverage it to make money? Patreon is a membership platform that allows creators to earn income by offering a subscription service to their fans. It acts as a virtual tip jar or fan club, where supporters, referred to as patrons, contribute a set amount regularly to gain access to exclusive content from their favorite creators. Why Patreon is an Ideal Platform for Creators Patreon excels by creating a platform where creators can establish direct connections with their fans, allowing them to earn money while delivering exclusive content and experiences. Below are some of the key features that differentiate Patreon: Exclusive Content: Creators can offer patrons exclusive access to new work, behind-the-scenes content, and more. Community Engagement: The platform allows creators to interact directly with their fans, fostering a sense of community. Flexible Membership Tiers: Creators can offer multiple levels of membership, each with its own set of rewards and benefits. Recurring Income: Rather than depending on one-time sales, creators have the opportunity to generate consistent income through ongoing patron subscriptions. Setting Up Your Patreon Account for Success Before launching into the world of Patreon, there are some key steps to ensure your success. Choosing Your Niche Identifying a niche that aligns with your interests and has potential demand is critical. Some popular niches on Patreon include: Podcasting Visual Art Writing Video Production Music Gaming Setting Up Your Patreon Page Once you have a niche in mind, it’s time to set up your Patreon page. Here’s a step-by-step guide to help you get started: Sign Up: Create an account on Patreon’s website. Choose Your Niche: Identify what type of creator you are and what you plan to offer. Set Up Membership Tiers: Decide on what tiers of membership you will offer and the perks for each tier of membership fee. Build Your Page: Add a bio, images, a welcome video, and other details to make your page engaging. Launch: Once your page is ready, promote it on your other social media platforms to attract patrons. Ways to Make Money on Patreon Monetizing your creativity on Patreon can take many different forms. In this section, we’ll explore several strategies to help you maximize your income potential. Ways to Make Money on PatreonStrategy DescriptionTip for Success Offer Multiple Membership TiersCater to fans with different budget levels and engagement interests, thereby maximizing your earning potential.Survey your audience to determine what tiers and benefits would be most appealing to them. Create High-Quality, Exclusive ContentAttract and retain patrons by consistently delivering high-quality content that they can't find anywhere else.Set a consistent content schedule and keep a pipeline of ideas to ensure regular, unique output. Regular Interaction and Engagement with PatronsFrequent interaction and engagement with your patrons not only fosters a sense of community but also encourages them to maintain their memberships.Use Patreon's polling and messaging features to engage patrons regularly, and respond promptly to comments and messages. Utilize YouTube to Drive Patreon SubscriptionsLink your Patreon page to your YouTube channel, offering early access or exclusive content to your patrons, thereby encouraging more subscriptions.Promote the exclusive benefits of Patreon membership in your YouTube videos and link back to your Patreon in the video description. Set Attractive Subscription FeesStriking the right balance between what value you provide and how much you charge for it is key to setting attractive subscription fees.Monitor patron feedback and be ready to adjust pricing based on the perceived value and your income goals. Organize Paid Live Streams or WebinarsHosting live streams or webinars can provide added value to your patrons and provide an additional income source.Choose topics that resonate with your audience, and ensure the tech setup is flawless for a smooth streaming experience. Sell MerchandiseSelling merchandise like t-shirts, posters, or custom art pieces can add a lucrative income stream.Create high-quality, unique merchandise that fits with your brand and appeals to your audience. Provide Early or Exclusive Access to Your WorkOffering early or exclusive access to your work can incentivize more patrons to subscribe.Make sure early access content is truly valuable and well-promoted, and that you deliver on promises to ensure patron satisfaction. Offer Multiple Reward Tiers and Membership OptionsOffering a variety of rewards and membership options caters to a wider audience, increasing potential earnings.Vary the rewards based on the level of support, offering something for everyone, from casual fans to die-hard supporters. Utilize Other Social Media PlatformsPromote your Patreon page on other social media platforms to attract a broader audience.Tailor your promotional messages to fit the unique dynamics of each platform and encourage followers to support you on Patreon. Offer Multiple Membership Tiers By providing a variety of membership options, you can appeal to fans with varying budgets and levels of engagement, which will help you maximize your earning potential. Create High-Quality, Exclusive Content Attract and retain patrons by consistently delivering high-quality content that they can’t find anywhere else. Regular Interaction and Engagement with Patrons Frequent interaction and engagement with your patrons fosters a sense of community and encourages them to maintain their memberships. Utilize YouTube to Drive Patreon Subscriptions Link your Patreon page to your YouTube channel, offering your patrons early access or exclusive content, thereby encouraging more subscriptions. Set Attractive Subscription Fees Striking the right balance between what value you provide and how much you charge for it is key to setting attractive subscription fee tiers. Organize Paid Live Streams or Webinars Hosting live streams or webinars can provide added value to your patrons and provide an additional income source. Sell Merchandise Selling merchandise like t-shirts, posters, or custom art pieces can add a lucrative income stream. Provide Early or Exclusive Access to Your Work Offering early or exclusive access to your work can incentivize more patrons to subscribe. Offer Multiple Reward Tiers and Membership Options Offering a variety of rewards and membership options caters to a wider audience, increasing potential earnings. Utilize Other Social Media Platforms Promote your Patreon page on other social media platforms to attract a broader audience. How to Make Money on Patreon as a Writer Writers can harness Patreon’s potential by offering unique content or experiences to their patrons. Here are a few strategies: Serialized Novels: Release your novel chapter by chapter exclusively to your patrons. Writing Workshops: Host digital writing workshops or webinars. Behind-the-Scenes Access: Give patrons an inside look into your writing process. Early Access: Offer patrons early access to your latest work. How to Make Money on Patreon as an Artist Artists can use Patreon to transform their passion into profit. Here are a few strategies: Art Tutorials: Share your expertise through tutorials or classes. Commissioned Work: Offer custom artwork for higher-tier patrons. Digital Art Downloads: Provide downloadable digital art pieces. Studio Tours: Give patrons virtual tours of your workspace or process. Patreon Earnings and Fee Structure Patreon operates on a tiered fee structure based on the plan you choose, taking a percentage of your earnings each month. Currently, the pricing tiers include Pro and Premium. Pro Plan: Patreon takes an 8% commission with the Pro plan. This plan offers advanced features like membership tiers, analytics and insights, promotional tools, priority customer support, and more. It’s designed for creators who want to grow their businesses and offer more to their patrons. Premium Plan: The Premium plan is for well-established creators or businesses that need a little more. It offers everything in the Pro plan plus merchandise for membership and a dedicated partner manager for either a 12% commission or $600 a month, whichever is higher. According to Patreon, the plan is best for creators who expect to make at least $5,000 per month on Patreon, so the 12% fee equals at least $600 per month to Patreon. In addition to Patreon’s commission, your earnings will also be subject to transaction fees. These fees can fluctuate based on the payment method chosen by your patrons, but they generally amount to approximately 2.9% + $0.30 for each successful payment exceeding $3, and 5% + $0.10 for payments of $3 or less. Case Study: Successful Patreon Creators Many creators have successfully transformed their passions into profitable ventures on Patreon. Here are a few inspiring examples: Chapo Trap House: This political comedy podcast earns over $160,000 per month on Patreon. Amanda Palmer: The musician and artist earn over $40,000 for each piece of content she creates. The Try Guys: Known for their hilarious and informative YouTube videos, they earn over $30,000 per month. Darknet Diaries: This podcast, centered on cybercrime and hosted by Jack Rhysider, generates approximately $30,000 each month from its loyal listeners. Jessica Nigri: This cosplayer uses Patreon to deliver exclusive photoshoots and behind-the-scenes content, earning over $20,000 per month. FAQ: Making Money on Patreon Questions often arise when creators begin their journey on Patreon. Here are concise answers to some of the most frequently asked ones. How Much Can a Patreon Creator Expect to Earn? Earnings on Patreon vary widely depending on factors such as the number of patrons, membership tier prices, and frequency of content release. How Can I Attract More Patrons to My Page? Attract more patrons by offering high-quality, unique content, engaging with your audience regularly, and promoting your Patreon page on various platforms. How Long Does It Take to Start Earning on Patreon? The time it takes to start earning on Patreon can vary. It often depends on factors like the size of your existing audience, the quality of your content, and your promotion strategies. How Often are Membership Payments Processed on Patreon? Membership payments are processed on the 1st of every month. What Are Some Challenges I Might Face on Patreon? Some challenges might include building and maintaining an audience, setting appropriate subscription prices, and consistently creating high-quality, exclusive content. If these challenges prevent you from using Patreon effectively, there are other options. For example, you could explore how to make money on TikTok, how to make money on Twitch, or how to make money on PayPal. Image: Envato Elements This article, "How to Make Money on Patreon" was first published on Small Business Trends View the full article

In the digital world where creativity knows no bounds, Patreon has emerged as a powerful membership platform that allows creators to earn a sustainable income. With Patreon, creatives across all fields can turn their passion into profit, engaging a community of fans who are willing to pay for exclusive access to their work. This article explores how to make money on Patreon and provides tips for maximizing your success. What is Patreon? So, what is Patreon, and how can creators leverage it to make money? Patreon is a membership platform that allows creators to earn income by offering a subscription service to their fans. It acts as a virtual tip jar or fan club, where supporters, referred to as patrons, contribute a set amount regularly to gain access to exclusive content from their favorite creators. Why Patreon is an Ideal Platform for Creators Patreon excels by creating a platform where creators can establish direct connections with their fans, allowing them to earn money while delivering exclusive content and experiences. Below are some of the key features that differentiate Patreon: Exclusive Content: Creators can offer patrons exclusive access to new work, behind-the-scenes content, and more. Community Engagement: The platform allows creators to interact directly with their fans, fostering a sense of community. Flexible Membership Tiers: Creators can offer multiple levels of membership, each with its own set of rewards and benefits. Recurring Income: Rather than depending on one-time sales, creators have the opportunity to generate consistent income through ongoing patron subscriptions. Setting Up Your Patreon Account for Success Before launching into the world of Patreon, there are some key steps to ensure your success. Choosing Your Niche Identifying a niche that aligns with your interests and has potential demand is critical. Some popular niches on Patreon include: Podcasting Visual Art Writing Video Production Music Gaming Setting Up Your Patreon Page Once you have a niche in mind, it’s time to set up your Patreon page. Here’s a step-by-step guide to help you get started: Sign Up: Create an account on Patreon’s website. Choose Your Niche: Identify what type of creator you are and what you plan to offer. Set Up Membership Tiers: Decide on what tiers of membership you will offer and the perks for each tier of membership fee. Build Your Page: Add a bio, images, a welcome video, and other details to make your page engaging. Launch: Once your page is ready, promote it on your other social media platforms to attract patrons. Ways to Make Money on Patreon Monetizing your creativity on Patreon can take many different forms. In this section, we’ll explore several strategies to help you maximize your income potential. Ways to Make Money on PatreonStrategy DescriptionTip for Success Offer Multiple Membership TiersCater to fans with different budget levels and engagement interests, thereby maximizing your earning potential.Survey your audience to determine what tiers and benefits would be most appealing to them. Create High-Quality, Exclusive ContentAttract and retain patrons by consistently delivering high-quality content that they can't find anywhere else.Set a consistent content schedule and keep a pipeline of ideas to ensure regular, unique output. Regular Interaction and Engagement with PatronsFrequent interaction and engagement with your patrons not only fosters a sense of community but also encourages them to maintain their memberships.Use Patreon's polling and messaging features to engage patrons regularly, and respond promptly to comments and messages. Utilize YouTube to Drive Patreon SubscriptionsLink your Patreon page to your YouTube channel, offering early access or exclusive content to your patrons, thereby encouraging more subscriptions.Promote the exclusive benefits of Patreon membership in your YouTube videos and link back to your Patreon in the video description. Set Attractive Subscription FeesStriking the right balance between what value you provide and how much you charge for it is key to setting attractive subscription fees.Monitor patron feedback and be ready to adjust pricing based on the perceived value and your income goals. Organize Paid Live Streams or WebinarsHosting live streams or webinars can provide added value to your patrons and provide an additional income source.Choose topics that resonate with your audience, and ensure the tech setup is flawless for a smooth streaming experience. Sell MerchandiseSelling merchandise like t-shirts, posters, or custom art pieces can add a lucrative income stream.Create high-quality, unique merchandise that fits with your brand and appeals to your audience. Provide Early or Exclusive Access to Your WorkOffering early or exclusive access to your work can incentivize more patrons to subscribe.Make sure early access content is truly valuable and well-promoted, and that you deliver on promises to ensure patron satisfaction. Offer Multiple Reward Tiers and Membership OptionsOffering a variety of rewards and membership options caters to a wider audience, increasing potential earnings.Vary the rewards based on the level of support, offering something for everyone, from casual fans to die-hard supporters. Utilize Other Social Media PlatformsPromote your Patreon page on other social media platforms to attract a broader audience.Tailor your promotional messages to fit the unique dynamics of each platform and encourage followers to support you on Patreon. Offer Multiple Membership Tiers By providing a variety of membership options, you can appeal to fans with varying budgets and levels of engagement, which will help you maximize your earning potential. Create High-Quality, Exclusive Content Attract and retain patrons by consistently delivering high-quality content that they can’t find anywhere else. Regular Interaction and Engagement with Patrons Frequent interaction and engagement with your patrons fosters a sense of community and encourages them to maintain their memberships. Utilize YouTube to Drive Patreon Subscriptions Link your Patreon page to your YouTube channel, offering your patrons early access or exclusive content, thereby encouraging more subscriptions. Set Attractive Subscription Fees Striking the right balance between what value you provide and how much you charge for it is key to setting attractive subscription fee tiers. Organize Paid Live Streams or Webinars Hosting live streams or webinars can provide added value to your patrons and provide an additional income source. Sell Merchandise Selling merchandise like t-shirts, posters, or custom art pieces can add a lucrative income stream. Provide Early or Exclusive Access to Your Work Offering early or exclusive access to your work can incentivize more patrons to subscribe. Offer Multiple Reward Tiers and Membership Options Offering a variety of rewards and membership options caters to a wider audience, increasing potential earnings. Utilize Other Social Media Platforms Promote your Patreon page on other social media platforms to attract a broader audience. How to Make Money on Patreon as a Writer Writers can harness Patreon’s potential by offering unique content or experiences to their patrons. Here are a few strategies: Serialized Novels: Release your novel chapter by chapter exclusively to your patrons. Writing Workshops: Host digital writing workshops or webinars. Behind-the-Scenes Access: Give patrons an inside look into your writing process. Early Access: Offer patrons early access to your latest work. How to Make Money on Patreon as an Artist Artists can use Patreon to transform their passion into profit. Here are a few strategies: Art Tutorials: Share your expertise through tutorials or classes. Commissioned Work: Offer custom artwork for higher-tier patrons. Digital Art Downloads: Provide downloadable digital art pieces. Studio Tours: Give patrons virtual tours of your workspace or process. Patreon Earnings and Fee Structure Patreon operates on a tiered fee structure based on the plan you choose, taking a percentage of your earnings each month. Currently, the pricing tiers include Pro and Premium. Pro Plan: Patreon takes an 8% commission with the Pro plan. This plan offers advanced features like membership tiers, analytics and insights, promotional tools, priority customer support, and more. It’s designed for creators who want to grow their businesses and offer more to their patrons. Premium Plan: The Premium plan is for well-established creators or businesses that need a little more. It offers everything in the Pro plan plus merchandise for membership and a dedicated partner manager for either a 12% commission or $600 a month, whichever is higher. According to Patreon, the plan is best for creators who expect to make at least $5,000 per month on Patreon, so the 12% fee equals at least $600 per month to Patreon. In addition to Patreon’s commission, your earnings will also be subject to transaction fees. These fees can fluctuate based on the payment method chosen by your patrons, but they generally amount to approximately 2.9% + $0.30 for each successful payment exceeding $3, and 5% + $0.10 for payments of $3 or less. Case Study: Successful Patreon Creators Many creators have successfully transformed their passions into profitable ventures on Patreon. Here are a few inspiring examples: Chapo Trap House: This political comedy podcast earns over $160,000 per month on Patreon. Amanda Palmer: The musician and artist earn over $40,000 for each piece of content she creates. The Try Guys: Known for their hilarious and informative YouTube videos, they earn over $30,000 per month. Darknet Diaries: This podcast, centered on cybercrime and hosted by Jack Rhysider, generates approximately $30,000 each month from its loyal listeners. Jessica Nigri: This cosplayer uses Patreon to deliver exclusive photoshoots and behind-the-scenes content, earning over $20,000 per month. FAQ: Making Money on Patreon Questions often arise when creators begin their journey on Patreon. Here are concise answers to some of the most frequently asked ones. How Much Can a Patreon Creator Expect to Earn? Earnings on Patreon vary widely depending on factors such as the number of patrons, membership tier prices, and frequency of content release. How Can I Attract More Patrons to My Page? Attract more patrons by offering high-quality, unique content, engaging with your audience regularly, and promoting your Patreon page on various platforms. How Long Does It Take to Start Earning on Patreon? The time it takes to start earning on Patreon can vary. It often depends on factors like the size of your existing audience, the quality of your content, and your promotion strategies. How Often are Membership Payments Processed on Patreon? Membership payments are processed on the 1st of every month. What Are Some Challenges I Might Face on Patreon? Some challenges might include building and maintaining an audience, setting appropriate subscription prices, and consistently creating high-quality, exclusive content. If these challenges prevent you from using Patreon effectively, there are other options. For example, you could explore how to make money on TikTok, how to make money on Twitch, or how to make money on PayPal. Image: Envato Elements This article, "How to Make Money on Patreon" was first published on Small Business Trends View the full article

This article is republished with permission from Wonder Tools, a newsletter that helps you discover the most useful sites and apps. Subscribe here. When’s the last time you fielded a tech support call from a parent? You want your parents—or anyone you support—to benefit from email, photo sharing, and video calls. You also have to protect them from scams, malware, and unnecessary complexity. Or maybe you are that parent and want to stay safe online. Either way, today’s post aims to support you. I periodically help my parents make sense of confusing WebEx conferencing instructions or Microsoft Word settings. So when Wonder Tools reader and tech expert Paul Schreiber offered to write a guest post based on his professional and personal experience, I welcomed his input. Below he outlines specific hardware recommendations, security steps, and practical tips you can implement today. The next section of this piece is by Paul. Paul’s advice Over the past few years, I’ve helped my parents and some friends’ parents stay safe online. Here are some things I’ve found work well. Skip the computer Many folks don’t need a powerful computer. They just need access to email, messaging, and the web. An iPad or Chromebook for around $300 provides this (along with thousands of apps), while reducing the burden of maintenance. . . . or pick a simple one A MacBook Air is a great choice if they do need a computer. There’s less malware and Apple provides a single, simple source of support. No need to worry about separate or conflicting instructions from hardware and OS manufacturers. Plus, if they already have an iPhone, the Air works with it seamlessly. Replace the router Replace their current router with one or more eero devices. Eeros: Automatically connect to each other in a mesh for large homes—no more clunky extenders with separate network names. They also work for apartments with thick walls Automatically configure themselves with the right network settings Automatically stay up-to-date Can be monitored and administered remotely from your phone Add guardrails Make yourself the admin. When setting up the computer, create two accounts: One for yourself, with administrative rights A standard account for your parent If they accidentally install adware or other junk, it will only affect their account, not the whole computer, and it’ll be easier to remedy. Install an ad blocker Ads slow down the page and trick people into installing malware. I recommend the free uBlock Origin for Chrome, Firefox, and Edge. (Note: avoid the similarly named uBlock.) For Safari, consider buying 1Blocker, Wipr, or AdGuard. Set up a family account Apple (iCloud+) and Google (Google One) both sell cloud storage that can be shared with your family. For about $10 per month, you ensure everyone’s device is backed up and their photos are synced. You can also share some apps without repurchasing them. Make yourself the recovery contact Add your email and phone number as a recovery contact (Apple, Google) for your parents’ important accounts. This lets you help when they forget their password. It also lets you reset it if they become incapacitated or die. Set up legacy contacts Unlike recovery contacts, legacy contacts control an account after someone dies. Setting these up gives you legal permission to access the account. Each service handles it differently, so read instructions from Facebook, Apple, and Google carefully. Today is trash day Go through your parents’ computer and/or phone. Delete unused apps. Clean up the downloads folder, removing installers (such as .pkg and .dmg files) as well duplicate or outdated files. Passwords Passwords are a pain. Good news: You no longer need to memorize them. With a password manager, the only two passwords you’ll need to remember are those for your computer and your email. Your password manager will automatically create hard-to-guess passwords and fill them in for all other logins. It won’t fill your password in on sites trying to steal your information. Set up password autofill and teach them to use it Spend a few hours using Chrome, Safari, Firefox, or 1Password to generate new passwords for their 25 most important sites Share key account passwords with yourself Final Tips If you want personalized advice, visit Consumer Reports’ security planner. If your parents or relatives are easily duped by fake reviews, set up bookmarks for Consumer Reports, Wirecutter, the Good Housekeeping Institute, Vetted, or other trustworthy review services. P.S. bonus tools—recommended by Jeremy Print Friendly makes it easy to print anything online. Postlight Reader removes clutter from articles, making reading easier. Permission Slip is a free app from Consumer Reports that helps you learn what companies are collecting data about you or your parents or children. You can send a request that they stop selling your personal info. Consumer Reports testing found that paid data removal services often fail to fully scrub personal information from people-search sites. I’ve been testing Incogni, which wasn’t assessed in that report. So far it’s been helpful in requesting that data brokers erase information about me that they’re storing and selling. See the big data broker opt-out list for more info. CleanMyMac is a simple Mac app that makes it easy to remove old installers, duplicate files, and other files cluttering up your computer or taking up space. I’ve used it for a few years and recommend it. Yorba is another promising new service in beta. It can help in several ways: Unsubscribe from emails. Wipe old unused accounts and associated logins. Cancel subscriptions you forgot about. It’s free to start. This article is republished with permission from Wonder Tools, a newsletter that helps you discover the most useful sites and apps. Subscribe here. 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The waters of Cape Cod Bay are coming for the big brown house perched on the edge of a sandy bluff high above the beach. It’s just a matter of when. Erosion has marched right up to the concrete footings of the multimillion-dollar home where it overlooks the bay. Massive sliding doors that used to open onto a wide deck, complete with hot tub, are now barricaded by thin wooden slats that prevent anyone from stepping through and falling 25 feet to the beach below. The owner knew it. He removed the deck and other parts of the house, including a small tower that held the primary bedroom, before stopping work and falling into a standoff with the town. He’s since sold the place to a salvage company that says it won’t pay for work. Officials in Wellfleet worry the home’s collapse will damage delicate beds in their harbor where farmers grow oysters that are among New England’s most prized. A report commissioned by the town projects if nothing is done, the 5,100-square-foot home will tumble into the bay within three years—and possibly much sooner. Its certain fate is a reminder of the fragility of building along the cape, where thanks to climate change sea level rise has accelerated in recent years. “I mean, the cape has always been moving,” said John Cumbler, a retired environmental history professor who also serves on the Wellfleet Conservation Commission. “The sand is moving.” History of the home The house was built in 2010 on Cape Cod on the bay side of the peninsula. Its original owners, Mark and Barbara Blasch, sought permission from the commission in 2018 to build a 241-foot-wide seawall to stave off erosion. The commission’s seven members—all volunteers—rejected the seawall on the grounds that it might have unintended effects on the beach and the way water carries nutrients in the bay. They also questioned whether it would actually save the house. The property is within Cape Cod National Seashore. The National Seashore Administration supported rejection of the seawall because of the “critical location” within the seashore and Wellfleet Harbor area, including critical habitat and valuable shellfish operations. The Blasches appealed the rejection in state district court and lost. An appeal to the state’s Superior Court is pending. A New York man, attorney John Bonomi, bought the house in 2022 for $5.5 million, even as its future was in doubt. Bonomi’s attorneys declined to comment for this story. Threat to the bay and oyster beds A report prepared for Wellfleet last year by Bryan McCormack, a coastal processes specialist with the Woods Hole Oceanographic Institution Sea Grant, estimates that the bluffs are eroding at a rate of 3.8 to 5.6 feet a year. The report estimated collapse in up to three years, but likely sooner. The report said a collapse could send debris into Wellfleet Harbor, where the town’s namesake oysters, well-known to shellfish lovers, take two to three years to reach maturity. “The house has a lot of fiberglass insulation in it. It has toxic material in it,” Cumbler said. “If that toxic material gets into Wellfleet Harbor, which is where the currents will take it, it could endanger the oyster industry in Wellfleet, our major industry outside of tourism.” Standoff over what to do with the house Bonomi “came to us back in October and said, yes, we understand the house is in danger of falling into the sea, and we will give you a plan by January for what we will do with the house,” Cumbler said. “We asked for a plan to remove it from the danger.” That plan was supposed to be presented at the commission’s January meeting. But Bonomi’s attorney, Tom Moore, wrote to the town in December to say Bonomi had sold the house to CQN Salvage, a company incorporated in October, that Moore was also representing. Moore wrote that the town “is on notice to take whatever steps it deems prudent to prevent the collapse of the embankment and the other consequences of further erosion. CQN Salvage is ready to work alongside the town in such efforts but will not fund them.” It’s not clear who owns CQN Salvage. Its incorporation records in New York state don’t list any officials. Moore declined to speak with The Associated Press. At the January meeting, Moore appeared by video and told the commission that the “bare minimum estimate” to remove the house was at least $1 million. “So, you plan to do nothing and allow it to fall into the water?” Lecia McKenna, the town’s conservation agent, asked Moore. “I plan to ask you to not let it fall into the water,” Moore responded. The commission voted to extend to June 1 the deadline to comply with its enforcement order. Wellfleet is left to watch and wait For now, the town is left to simply watch the house. When the AP recently visited the site, 20 mph winds were hitting the bluffs and sand could be seen trickling down. The sea level at nearby Falmouth has risen 11 inches in the past 90 years, but the pace is accelerating. An AP analysis of data from the National Oceanic and Atmospheric Administration found the sea level around Cape Cod between 1995 and 2024 was rising at an annual rate of 0.16 inch faster than the prior 30-year period. McCormack, the Woods Hole specialist who prepared the report for the town, said it’s difficult to attribute erosion at a single property to climate change and sea level rise. And he said Cape Cod has been eroding “for tens of thousands of years.” But he said the bluffs have receded 54 feet since 2014, and the erosion rate over the past decade “has exceeded long-term rates published by the Massachusetts Office of Coastal Zone Management.” —By Andre Muggiati, Associated Press AP data journalist Mary Katherine Wildeman contributed to this report. The Associated Press’s climate and environmental coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org. View the full article