ResidentialBusiness

Mortgage applications for new-home purchases decreased 15.2% on a seasonally adjusted basis in December, according to the Mortgage Bankers Association. View the full article

President Donald The President took to social media on Thursday threatening to crack down on protests in Minnesota, as federal Immigration and Customs Enforcement (ICE) officers face off with protestors in the streets on Minneapolis following the death of Renee Nicole Good, who was fatally shot by an ICE agent. The threat follows renewed clashes there overnight after a federal agent shot a local man in the leg after allegedly resisting arrest during a “targeted traffic stop,” according to CNN. There are also reports ICE officials are going “door-to-door” in Minneapolis, showing up at people’s homes, which Vice President JD Vance said will “ramp up” as more ICE troops are deployed to Minnesota. So far, about 2,000 federal agents have been sent there, with another 1,000 more U.S. Customs and Border Protection agents expected to arrive soon, per CNN. “If the corrupt politicians of Minnesota don’t obey the law and stop the professional agitators and insurrectionists from attacking the Patriots of I.C.E., who are only trying to do their job, I will institute the INSURRECTION ACT,” The President posted on his social media platform, Truth Social. This isn’t the first time The President has threatened to invoke the Insurrection Act to crack down on protestors and widespread dissent against the policies and actions of his administration. What is the Insurrection Act of 1807? The Brennan Center for Justice calls the Insurrection Act “a vague and rarely used law that gives the president broad power to deploy the military domestically—but it’s not a blank check.” “It’s a series of statutes enacted from 1792-1871 that in its modern form allows the president to use the National Guard or regular military to enforce the law in extraordinary circumstances like rebellion or failure of local and state law enforcement to deal with extreme chaos,” Chris Edelson, a political science lecturer at the University of Massachusetts, Amherst, tells Fast Company. “When the Insurrection Act is properly invoked in a real emergency, the military can be used for law enforcement.” However, according to Edelson, who is writing a book on presidential powers, “there is no [current] legal, legitimate basis for The President to invoke the Insurrection Act, which is designed to be used in a catastrophic situation, when there is rebellion or some massive breakdown in law enforcement. Nothing like that is happening right now in the U.S.—either in MN or elsewhere.” But just because something is illegal, doesn’t mean The President can’t do it. “If he does illegally invoke the Insurrection Act, the question would be whether the military follows his orders, and whether anyone (i.e. Congress, the courts) stops him,” says Edelson. “The law of course is not automatically enforced—someone has to act when the law is broken.” What has the Supreme Court said about the president invoking the Insurrection Act? “There are no recent Supreme Court decisions on the Insurrection Act as it is rarely used,” Edelson says. “Before 1992, it was used during the civil rights era when there was violent opposition to desegregation and local/state law enforcement sided with white supremacists.” There is a 19th century case called Martin v. Mott that is sometimes cited for the proposition that presidents have absolute authority to determine when to invoke the Insurrection Act. But some scholars, including Edelson, don’t think that’s the correct understanding of the case. In other words, if the president invokes the Insurrection Act when there is no real emergency, Edelson and others believe that can still be challenged in court. While the Supreme Court issued a recent ruling that The President did not have authority to federalize and deploy the National Guard in Illinois, that case was decided under a separate statute, not the Insurrection Act. View the full article

A construction business plan brings structure to an industry defined by tight margins, complex projects and constant risk. This document helps construction companies to align strategy, operations and finances while helping owners communicate direction to partners, lenders and teams. Whether scaling a small contractor or formalizing processes, a construction business plan sets expectations and supports smarter decisions as conditions, regulations and markets shift rapidly. What Is a Construction Business Plan? In practical terms, a construction business plan is a formal document that outlines how a construction company operates and competes. This document is the guiding light for a construction company in terms of business administration. It details the business goals, the firm’s services, target markets, organizational structure and operational approach. Financial projections, cost assumptions and funding needs are typically included to demonstrate viability. By translating objectives into documented plans, it provides a clear reference for managing projects, controlling risk and measuring performance over time across different project types and business stages within changing market and regulatory environment conditions. When you’re building a construction business plan, lean on ProjectManager’s diverse set of tools. It helps you organize strategy, forecast performance, manage risks and translate ideas into executable plans in one place. As a construction business plan must include a clear outline of how projects will be planned and executed, the Gantt chart is a powerful tool to help do so. Build detailed project schedules, define task dependencies and estimate durations of work. Get started with ProjectManager with a free 30-day trial. /wp-content/uploads/2024/04/critical-path-light-mode-gantt-construction-CTA.pngLearn more What Is the Purpose of a Construction Business Plan? The purpose of a construction business plan is to guide decision-making and reduce uncertainty. It helps owners evaluate opportunities, allocate resources and anticipate financial outcomes before committing capital. Lenders and investors rely on it to assess risk and credibility. Internally, it aligns teams around priorities, milestones and controls, improving accountability while supporting sustainable growth in a competitive construction market and enabling clearer communication with partners, suppliers and regulators throughout the business lifecycle and strategic planning. When to Make a Construction Business Plan Most often, a construction business plan is created when starting a new construction business, as this is the point where decisions around services, pricing, staffing and financing have the greatest long-term impact. For new firms, the plan acts as a starting framework that turns an idea into an operational business. In some cases, however, an existing construction company may also need a construction business plan. This typically happens during major changes, such as when two construction firms merge and must align operations, or when a business is restructured to address financial pressure, new markets or a shift in strategy. /wp-content/uploads/2025/01/2025-construction-ebook-banner-ad.jpg What Should Be Included in a Construction Business Plan? Now that there’s a basic understanding of what a construction business plan is and why it matters to construction companies, the next step is breaking it down into its key components. These sections work together to explain strategy, direction and execution in a clear, structured way. Executive Summary An executive summary is a concise overview of a business document that highlights key objectives, strategies and financial expectations. It allows readers to understand what a business does, how it operates and why it is viable without reading the plan. In a construction business plan, the executive summary is essential because it frames the entire proposal for lenders, investors and partners. It communicates scope, market focus and financial logic upfront, helping decision-makers assess risk and opportunity before reviewing detailed sections, projections and operational plans that support long-term construction business growth. Related: Executive Summary Template Mission and Vision A mission statement defines the core purpose of a construction company by explaining what it does, who it serves and how it delivers value. Within a construction business plan, it clarifies service focus, quality standards and operating principles, guiding daily decisions, project execution and relationships with clients, subcontractors, suppliers and internal teams across multiple project types and business stages consistently. A vision statement describes the long-term direction a construction company aims to achieve. A construction business plan outlines growth ambitions, market position and future capabilities. It helps align strategic investments, talent development and service expansion, providing a shared picture of success that guides leadership decisions and keeps the business focused beyond short-term projects and evolving industry demands ahead. Organizational Structure An organizational structure defines how roles, responsibilities and reporting relationships are arranged within a company. A construction business plan shows how leadership, project delivery and support functions are coordinated to manage projects effectively, maintain accountability and achieve business goals. Owner or Managing Director – Sets strategic direction, oversees performance and holds final authority over major business decisions. Project Manager – Plans, coordinates and controls construction projects to ensure scope, schedule and budget alignment. Construction Manager – Oversees on-site operations, supervises crews and ensures work meets plans and quality standards. Estimator – Prepares cost estimates, analyzes bids and supports pricing decisions for prospective construction projects. Site Supervisor or Foreman – Manages daily site activities, labor coordination and compliance with safety requirements. Finance or Accounting Manager – Handles budgeting, cash flow management, invoicing and financial reporting for the business. Procurement or Contracts Manager – Manages subcontractor agreements, supplier relationships and material purchasing processes. Products and Services This section explains the specific construction services the company offers and the types of projects it undertakes. It should clarify whether the business focuses on residential, commercial or specialized construction, outline core capabilities and highlight any differentiators. A clear definition helps position the company in the market and sets realistic expectations for clients and partners. Revenue Model A revenue model explains how a business generates income and converts its activities into cash flow. It outlines primary revenue streams, pricing logic and payment mechanisms, helping stakeholders understand how the company sustains operations and achieves profitability over time. In a construction business plan, the revenue model typically shows how income is earned through projects, contracts or service types. It may outline fixed-price contracts, cost-plus arrangements or recurring services, while illustrating how project volume, margins and payment schedules affect overall revenue stability and growth. Financial Projections Financial projections are forward-looking estimates that forecast a business’s expected financial performance. They usually include income statements, cash flow forecasts and balance sheet projections, providing a structured view of future revenue, expenses and financial position. For a construction business plan, financial projections usually show how project costs, labor expenses and material pricing impact profitability. They help demonstrate cash flow timing, funding needs and break-even points, allowing lenders and owners to assess financial feasibility under realistic construction workloads and market conditions. Funding Requirements Funding requirements describe the amount of capital a business needs to start, operate or expand. This section explains how much funding is required, when it is needed and the intended use of funds, helping lenders or investors evaluate financial needs and risk exposure. In a construction business plan, funding requirements usually show capital needed for equipment, working capital, bonding, insurance and early project costs. They often outline timing gaps between expenses and payments, demonstrating how funding supports cash flow stability during project mobilization and growth phases. Pricing Strategy A pricing strategy explains how a business sets prices for its products or services. It considers costs, market conditions, competition and profit goals, showing how pricing decisions support revenue generation while remaining competitive and sustainable over time. When it comes to construction companies, the pricing strategy usually shows how bids and fees are calculated. It may address labor rates, material markups, overhead recovery and profit margins, explaining how pricing aligns with contract types, risk levels and target markets. Market Analysis A market analysis section examines the industry environment in which a business operates to build an effective and realistic marketing strategy. To do so, market research should be conducted to identify target customers, demand trends, competitors and external factors that influence market opportunities, helping justify strategic and financial assumptions. In a construction business plan, the market analysis usually shows local or regional demand, construction trends and competitive positioning. It may highlight customer segments, project types and regulatory conditions, supporting decisions about service focus, pricing and growth potential. /wp-content/uploads/2022/01/Construction-Schedule-Template.png Get your free Construction Schedule Template Use this free Construction Schedule Template to manage your projects better. Get the Template Industry Overview An industry overview section provides a high-level analysis of the broader industry in which a business operates. It describes market size, growth trends, regulatory factors and economic conditions, helping readers understand the external environment that influences strategy, risk and long-term viability. In a construction business plan, the industry overview usually shows construction market trends, labor availability, material cost dynamics and regulatory requirements. This market research may reference residential, commercial or infrastructure sectors, setting context for demand levels, competitive pressure and the operating challenges specific to the construction industry. Competitive Analysis A competitive analysis section examines the businesses that compete within the same market. It identifies key competitors, compares offerings and evaluates strengths, weaknesses and positioning, helping shape the marketing strategy that differentiates itself and defends its market share. For a construction business plan, the competitive analysis usually shows how the company compares to local or regional contractors. It may assess pricing approaches, service specialization, reputation, capacity and project experience, demonstrating how the business can compete effectively and win work in its target market. Related: Competitive Analysis Template Operations Plan An operations plan explains how a business runs on a day-to-day basis. It outlines processes, resources, workflows and responsibilities, showing how products or services are delivered efficiently while maintaining quality, cost control and operational consistency. In a construction business plan, the operations plan usually shows how projects are executed from preconstruction through closeout. It may address scheduling, subcontractor coordination, equipment usage, safety procedures and quality control, demonstrating how the business manages complexity while meeting deadlines, budgets and contractual requirements. Risks, Assumptions and Constraints This section identifies factors that could affect business performance but are not fully controllable. It outlines potential risks, underlying assumptions and known constraints, helping readers understand uncertainty and the conditions on which projections and strategies depend. Within a construction business plan, risks, assumptions and constraints usually show exposure to labor shortages, material price volatility and regulatory delays. Assumptions may include workload forecasts or payment timing, while constraints highlight limits related to capacity, financing, equipment or compliance obligations. Related: 5 Best Construction Risk Management Software of 2026 (Free & Paid) Related Construction Project Management Templates We’ve created dozens of free construction project management templates for Word, Excel and Google Sheets. Here are some of them. Construction Management Plan Template This free construction management plan template for Word helps define the scope of work, timeline and budget, among other important project management elements. Construction Budget Template This construction budget template can be used to estimate construction costs such as labor, materials, equipment and compare them against actual costs to determine if a construction project is over or under budget. Construction Schedule Template This free construction schedule template allows you to open ProjectManager’s Gantt chart to experience how a robust project management software can help schedule the activities of a construction project, identify the critical path, task dependencies, allocate resources and much more. How ProjectManager Helps Construction Companies Construction companies of all sizes trust ProjectManager to help improve their construction business plan. When data updates across the software in real time, it’s easy to see how to make your business plan more compelling and actionable. Watch our brief video below to learn more about how we can support your construction projects. Budget Tracking with Resource Management Tools Accurate financial planning is central to any business plan. ProjectManager has built-in tools that allow teams to track planned vs. actual costs alongside team workloads. Teams can also estimate labor, equipment and material costs at the task level to enhance credibility in financial projections. /wp-content/uploads/2023/01/Team-Light-2554x1372-1.png Risk Identification and Management Investors and lenders want to see that you’ve thought through risks and mitigations. We help you capture and prioritize project risks, track mitigation plans and evaluate the impact on cost and schedule. Built-in RAID logs allow you to set a priority level, response plan, assignee and more. Use these tools to build a stronger risk management section of your business plan. /wp-content/uploads/2023/11/risk-image-lightmode.png Related Construction Project Management Content How to Manage a Construction Company: 9 Key Areas 10 Types of Construction Projects with Examples How to Manage a Construction Project Step by Step 40 Construction Quotes to Motivate Your Team 27 Best Construction Project Management Certifications ProjectManager is online project and portfolio management software that connects teams, whether they’re in the office, on the job site or anywhere else. They can share files, comment at the task level and stay updated with email and in-app notifications. Get started with ProjectManager today for free. The post Construction Business Plan: A Quick Guide appeared first on ProjectManager. View the full article

If the byproduct of a raid on a Washington Post journalist’s home is to deter probing reporting of government action, the The President administration could hardly have chosen a more compelling target. Hannah Natanson, nicknamed the “federal government whisperer” at the Post for her reporting on President Donald The President‘s changes to the federal workforce, had a phone, two laptops, and a Garmin watch seized in the Wednesday search of her Virginia home, the newspaper said. A warrant for the raid said it was connected to an investigation into a government contractor accused of illegally retaining classified government materials, said Matt Murray, the Post’s executive editor, in an email to his staff. The Post was told that Natanson and the newspaper are not targets of the investigation, he said. In a meeting Thursday, Murray told staff members that “the best thing to do when people are trying to intimidate you is not be intimidated — and that’s what we did yesterday.” The Reporters Committee for Freedom of the Press said Thursday it has asked the U.S. District Court in Virginia to unseal the affidavit justifying the search of Natanson’s home. Attorney General Pam Bondi said that the search was done at the request of the Defense Department and that the journalist was “obtaining and reporting classified and illegally leaked information from a Pentagon contractor.” “If the attorney general can describe the justification for searching a reporter’s home on social media, it is difficult to see what harm could result from unsealing the justification that the Justice Department offered to this court,” the Reporters Committee said in its application. Government raids to homes of journalists highly unusual Jameel Jaffer, executive director of the Knight First Amendment Institute at Columbia University, has been working on press freedom issues for a decade and said a government raid on a journalist’s home is so unusual he couldn’t remember the last time it happened. He said it can’t help but have a chilling effect on journalism. “I strongly suspect that the search is meant to deter not just that reporter but other reporters from pursuing stories that are reliant on government whistleblowers,” Jaffer said. “And it’s also meant to deter whistleblowers.” In a first-person piece published by the Post on Christmas Eve, Natanson wrote about how she was inundated with tips when she posted her contact information last February on a forum where government employees were discussing the impact of The President administration changes to the federal workforce. She was contacted by 1,169 people on Signal, she wrote. The Post was notably aggressive last year in covering what was going on in federal agencies, and many came as a result of tips she received — and was still getting. “The stories came fast, the tips even faster,” she wrote. Natanson acknowledged the work took a heavy toll, noting one disturbing note she received from a woman she was unable to contact. “One day, a woman wrote to me on Signal, asking me not to respond,” she wrote. “She lived alone, she messaged, and planned to die that weekend. Before she did, she wanted at least one person to understand: The President had unraveled the government, and with it, her life.” Natanson did not return messages from The Associated Press. Murray said that “this extraordinary, aggressive action is deeply concerning and raises profound questions and concern around the constitutional protections for our work.” The action “signals a growing assault on independent reporting and undermines the First Amendment,” said Tim Richardson, journalism and disinformation program director at the advocacy group PEN America. Like Jaffer, he believes it is intended to intimidate. Sean Spicer, The President’s press secretary at the beginning of his first term, said the concerns are premature. If it turns out that Natanson did nothing wrong, then questions about whether the raid was an overreach are legitimate, said Spicer, host of the political news show “The Huddle” on streaming services. “If Hannah did something wrong, then it should have a chilling effect,” he said. A law passed in 1917 makes it illegal for journalists to possess classified information, Jaffer said. But there are still questions about whether that law conflicts with First Amendment protections for journalists. It was not enforced, for example, when The New York Times published a secret government report on U.S. involvement in Vietnam in 1971. “It’s the government’s prerogative to pursue leakers of classified material,” the Post said in an editorial. “Yet journalists have First Amendment rights to gather and publish such secrets, and the Post also has a history of fighting for those freedoms.” Not the first action taken against the press The raid was made in context of a series of actions taken against the media during the The President administration, including lawsuits against The New York Times and the BBC. Most legacy news organizations no longer report from stations at the Pentagon after they refused to sign on new rules restricting their reporting set by Defense Secretary Pete Hegseth. Funding for public broadcasting has been choked off due to The President’s belief that its news coverage leaned left. Some news outlets have also taken steps to be more aligned with the administration, Jaffer said, citing CBS News since its corporate ownership changed last summer. The Washington Post has shifted its historically liberal opinion pages to the right under owner Jeff Bezos. The Justice Department over the years has developed, and revised, internal guidelines governing how it will respond to news media leaks. In April, Bondi issued new guidelines saying prosecutors would again have the authority to use subpoenas, court orders and search warrants to hunt for government officials who make “unauthorized disclosures” to journalists. The moves rescinded a policy from President Joe Biden’s Democratic administration that protected journalists from having their phone records secretly seized during leak investigations. “Leaking classified information puts America’s national security and the safety of our military heroes in serious jeopardy,” White House press secretary Karoline Leavitt said in a post on X. “President The President has zero tolerance for it and will continue to aggressively crack down on these illegal acts moving forward.” The warrant says the search was related to an investigation into a system engineer and information technology specialist for a government contractor in Maryland who authorities allege took home classified materials, the Post reported. The worker, Aurelio Perez-Lugones, is accused of printing classified and sensitive reports at work and some were found at his Maryland home, according to court papers. ___ Associated Press writers Alanna Durkin Richer and Eric Tucker in Washington contributed to this report. David Bauder writes about the intersection of media and entertainment for the AP. Follow him at http://x.com/dbauder and https://bsky.app/profile/dbauder.bsky.social. —David Bauder, AP media writer View the full article

Google Ads is adding account-level placement exclusions, letting advertisers block unwanted inventory across all campaigns from a single setting. What’s new. Advertisers can now apply one exclusion list at the account level. Exclusions apply across Performance Max, Demand Gen, YouTube, and Display campaigns. Previously, blocks had to be set at the ad group or campaign level. How it works. Once a placement is excluded at the account level, Google Ads automatically prevents spend on those websites, apps, or YouTube placements across all eligible campaigns. Why we care. Placement controls have long been fragmented. Managing exclusions campaign by campaign was time-consuming and error-prone — especially for large accounts. This update simplifies brand safety and efficiency at scale. The big picture. As Google pushes more automation-heavy formats like Performance Max, advertisers have demanded stronger guardrails. Account-level exclusions give brands more control without undermining automation. Between the lines. This change helps advertisers: Reduce exposure to low-quality or irrelevant inventory Enforce brand-safety standards consistently Save time managing exclusions across complex accounts What to watch. Advertisers should review existing exclusion lists and consolidate them carefully — a single account-level block could unintentionally limit reach if applied too broadly. First seen. The update was first noticed by Google Ads Campaigns Specialist Aleksejus Podpruginas, which he shared on LinkedIn. Bottom line. Google Ads is making it easier to control where ads appear — a small UI change with big implications for efficiency and brand safety. View the full article

At CES 2026, Intel made waves by launching its Intel® Core Ultra Series 3 processors, marking a significant leap in computing technology. This latest generation is designed to optimize power efficiency, elevate performance, and broaden compatibility with applications in an ever-evolving digital landscape. For small business owners, these enhancements could mean an accelerated path toward innovation and improved operational efficiency. Intel’s Series 3 processors are built on the newly developed Intel 18A semiconductor process, a milestone that emphasizes the company’s commitment to U.S. manufacturing. Jim Johnson, Senior Vice President and General Manager of Intel’s Client Computing Group, highlighted this development, stating, “With Series 3, we are laser-focused on improving power efficiency, adding more CPU performance, a bigger GPU in a class of its own, more AI compute and app compatibility you can count on with x86.” For small businesses, the ability to leverage advanced technologies like AI and enhanced graphics performance could mean big changes. Series 3 processors support over 200 PC designs from global partners, providing flexibility in the choice of devices from laptops to desktops. Many of these devices are geared toward multitaskers managing demanding workloads, including gaming, creative tasks, and productivity applications—essential elements for businesses looking to stay competitive. A notable addition within the Ultra Series 3 lineup is the Intel Core Ultra X9 and X7 processors, which boast exceptional graphics capabilities. These processors are tailored for activities that require high performance, making them an excellent fit for creative professionals or businesses engaged in marketing and content creation. Equipped with up to 16 CPU cores and 50 NPU TOPS, these chips deliver impressive performance metrics—up to 60% better multithread performance and 77% faster gaming performance. Battery life is another strong selling point, with some models offering up to 27 hours, facilitating a more productive workflow for employees on the go. Another dimension added with the Series 3 processors is their capability for edge AI applications. They are now certifiably equipped for embedded and industrial use cases in sectors like healthcare, automation, and smart cities. For example, small tech startups focusing on robotics or connected devices can benefit from the efficiencies offered by these new processors. They allow for improvements in tasks such as real-time data processing and analytics. The implications of implementing Intel’s Ultra Series 3 into business operations are substantial. Organizations could witness a marked increase in their operational efficiency, reduce downtime, and save on overall equipment costs. The integrated AI acceleration showcases potential for a lower total cost of ownership (TCO), as the single system-on-chip solution could minimize the need for separate chips that traditionally comprise CPU and GPU architectures. Nevertheless, small business owners should assess potential challenges. The rapid pace of technology can sometimes necessitate costly upgrades or training for staff. Transitioning to new systems may involve initial investments that could strain budgets, especially for smaller firms with limited resources. Additionally, with edge computing becoming more critical, businesses may need to invest in related infrastructure to fully leverage the capabilities of these new processors. Ensuring reliable performance in real-world applications, particularly in vital sectors like healthcare or automation, will demand rigorous testing and adjustments to existing workflows. Pre-orders for devices utilizing the Intel Core Ultra Series 3 processors open on January 6, 2026, with worldwide availability starting January 27. This timeline allows businesses to plan their upgrades and integrate these advancements into their operations strategically. Intel’s Ultra Series 3 processors represent not just a technological advancement, but a robust opportunity for small businesses eager to embrace innovation. By staying ahead of the curve in upgrading their systems, small business owners can position themselves for accelerated growth and improved competitiveness in their respective markets. For more detailed insights, the original press release from Intel can be viewed here. This article, "Intel Launches Groundbreaking Core Ultra Series 3 Processors at CES 2026" was first published on Small Business Trends View the full article

At CES 2026, Intel made waves by launching its Intel® Core Ultra Series 3 processors, marking a significant leap in computing technology. This latest generation is designed to optimize power efficiency, elevate performance, and broaden compatibility with applications in an ever-evolving digital landscape. For small business owners, these enhancements could mean an accelerated path toward innovation and improved operational efficiency. Intel’s Series 3 processors are built on the newly developed Intel 18A semiconductor process, a milestone that emphasizes the company’s commitment to U.S. manufacturing. Jim Johnson, Senior Vice President and General Manager of Intel’s Client Computing Group, highlighted this development, stating, “With Series 3, we are laser-focused on improving power efficiency, adding more CPU performance, a bigger GPU in a class of its own, more AI compute and app compatibility you can count on with x86.” For small businesses, the ability to leverage advanced technologies like AI and enhanced graphics performance could mean big changes. Series 3 processors support over 200 PC designs from global partners, providing flexibility in the choice of devices from laptops to desktops. Many of these devices are geared toward multitaskers managing demanding workloads, including gaming, creative tasks, and productivity applications—essential elements for businesses looking to stay competitive. A notable addition within the Ultra Series 3 lineup is the Intel Core Ultra X9 and X7 processors, which boast exceptional graphics capabilities. These processors are tailored for activities that require high performance, making them an excellent fit for creative professionals or businesses engaged in marketing and content creation. Equipped with up to 16 CPU cores and 50 NPU TOPS, these chips deliver impressive performance metrics—up to 60% better multithread performance and 77% faster gaming performance. Battery life is another strong selling point, with some models offering up to 27 hours, facilitating a more productive workflow for employees on the go. Another dimension added with the Series 3 processors is their capability for edge AI applications. They are now certifiably equipped for embedded and industrial use cases in sectors like healthcare, automation, and smart cities. For example, small tech startups focusing on robotics or connected devices can benefit from the efficiencies offered by these new processors. They allow for improvements in tasks such as real-time data processing and analytics. The implications of implementing Intel’s Ultra Series 3 into business operations are substantial. Organizations could witness a marked increase in their operational efficiency, reduce downtime, and save on overall equipment costs. The integrated AI acceleration showcases potential for a lower total cost of ownership (TCO), as the single system-on-chip solution could minimize the need for separate chips that traditionally comprise CPU and GPU architectures. Nevertheless, small business owners should assess potential challenges. The rapid pace of technology can sometimes necessitate costly upgrades or training for staff. Transitioning to new systems may involve initial investments that could strain budgets, especially for smaller firms with limited resources. Additionally, with edge computing becoming more critical, businesses may need to invest in related infrastructure to fully leverage the capabilities of these new processors. Ensuring reliable performance in real-world applications, particularly in vital sectors like healthcare or automation, will demand rigorous testing and adjustments to existing workflows. Pre-orders for devices utilizing the Intel Core Ultra Series 3 processors open on January 6, 2026, with worldwide availability starting January 27. This timeline allows businesses to plan their upgrades and integrate these advancements into their operations strategically. Intel’s Ultra Series 3 processors represent not just a technological advancement, but a robust opportunity for small businesses eager to embrace innovation. By staying ahead of the curve in upgrading their systems, small business owners can position themselves for accelerated growth and improved competitiveness in their respective markets. For more detailed insights, the original press release from Intel can be viewed here. This article, "Intel Launches Groundbreaking Core Ultra Series 3 Processors at CES 2026" was first published on Small Business Trends View the full article

A reader writes: When should an employer contest an unemployment charge and when should they let it be? I’m an HR department of one, and the managers have me contest almost everything! It’s hard to explain to them when it pays (poor performance) and when it doesn’t (gross misconduct). Can you help to determine what it should look like? This past year, we had an unprecedented number of firings and it’s been a doozy. Most of the time, employers should avoid contesting unemployment benefits unless something egregious happened. They definitely shouldn’t be doing it as a reflexive response to any unemployment filing. First, the basic rules around unemployment benefits: in most states, if someone is fired for not performing well enough, they’re eligible to receive unemployment. If they’re fired for clear misconduct or significant rules violations (which includes things like chronic lateness or absenteeism, cussing out a customer, drinking at work, lying on a timesheet, etc.), they’re not. In overly simplified terms, the idea is that if someone was trying to do their job but just wasn’t good enough at it, they get benefits. If the firing was easily avoidable and their “fault,” they don’t. (You can argue with whether or not it should work this way, but regardless this is how it’s set up.) Too often, employers view benefits eligibility through a punitive lens — “she shouldn’t get unemployment because she was a screw-up / didn’t try hard enough / messed up the X project / was a pain to manage.” But it’s generally not in companies’ best interests to approach it that way (even putting questions of basic humanity aside). Any employment lawyer will tell you that challenging unemployment makes it vastly more likely that a fired employee will end up suing the company (whether or not they have real cause). For example, say you’ve got someone who was fired and has wondered if their age/disability/pregnancy/whatever played a role but they’re weren’t planning to pursue it … but then you fight her unemployment, which comes across to most people as “they fired me and now they want me to starve and lose my house.” Now she’s bitter and angry, and she decides to talk to a lawyer after all. Even if you ultimately prevail, you’re going to have to spend time and money dealing with it. In most states, employers pay into the unemployment system based in part on how many of their former employees end up collecting it, so they figure they have a financial incentive to keep those numbers down. But you can’t make that calculation without factoring in the above. So at a minimum you should tell your managers that contesting unemployment is only for situations where there was gross misconduct, not just where someone wasn’t good enough at the work. Also: what’s going on in your organization that’s causing an unprecedented number of firings? Maybe that’s legitimate and unavoidable, but are your managers making bad hires? Managing people badly? I’d dig in there as well. The post when should an employer contest unemployment benefits? appeared first on Ask a Manager. View the full article

Move raises questions about whether former Tory’s arrival will be a help or a hindrance to Nigel FarageView the full article

Google AdSense publishers are reporting sharp drops in earnings over the past 24 hours, with many seeing eCPM and RPM declines of 50–70%, according to widespread forum complaints. Why we care. For publishers that rely on AdSense to fund operations, sudden revenue swings can threaten sustainability — especially when traffic hasn’t changed and costs remain fixed. What’s happening. Complaints spiked late Jan. 14 into early Jan. 15. Publishers across the U.S. and Europe report severe drops in page RPM and eCPM. Multiple sites within the same accounts were simultaneously affected with some publishers saying ads partially or fully disappeared. What publishers are saying: “My RPM dropped by more than 80% overnight.” “Same traffic, same placements — revenue collapsed.” “I used to earn $500 a day, now it’s $35.” “Never seen figures like this before.” The numbers: Germany (.de): –64% France (.fr): –63% Italy (.it): –76% Spain (.es): –90% U.S.-focused sites report drops of 35–70% Between the lines. The timing coincides with an unconfirmed Google Search ranking update, raising concerns that visibility shifts and monetization issues may be overlapping — a familiar and unsettling pattern for publishers. Another wrinkle. Google has acknowledged systemic issues in Google Ad Manager, including: Declining AdX match rates Reduced delivery from Google Ads and DV360 Web and mobile web display inventory hit hardest Google says affected users may see errors, high latency, or unexpected behavior, with an update promised by Jan. 15th, at 7:00 PM UTC (2 pm E.T.) What’s unclear: Whether the Ad Manager incident fully explains the AdSense drops If this is a reporting bug, a serving issue, or a longer-term monetization shift How AI Overviews — which currently show zero ads — may be impacting publisher revenue indirectly The big picture. Many publishers say revenue has been declining for months, not days — with some reporting losses of 70–80% since mid-2025, fueling fears that traditional content sites are being structurally deprioritized. Bottom line. Whether this is a temporary bug or another step in a longer decline, publishers are once again left waiting — and watching their dashboards — with little clarity and even less control. View the full article

If you want to succeed on Instagram, focusing on graphic design is vital. Start by optimizing your bio, as it sets the tone for your profile. Engaging with your community can furthermore improve your brand’s presence. Moreover, creating interesting visuals is important for attracting followers. As you consider these strategies, you’ll find that consistency in design and effective use of hashtags can greatly impact your reach. What other tactics can raise your Instagram game? Key Takeaways Optimize your Instagram bio with a catchy introduction, relevant hashtags, and a link to your portfolio for better discoverability. Use high-quality visuals and experiment with formats like carousels to enhance engagement and professionalism in your posts. Research and mix popular and niche hashtags to increase visibility, aiming for 5 to 15 hashtags per post for optimal reach. Maintain a consistent design with a uniform color palette and typography to establish a recognizable brand identity across all posts. Analyze performance metrics to refine your graphic strategies, adjusting designs based on audience preferences and engagement results. Optimize Your Instagram Bio Your Instagram bio is a crucial element of your profile, as it serves as the first impression for potential followers. To optimize it, summarize your identity and offerings within 150 characters. Start with a catchy introduction that reflects your personality or brand voice. Incorporate relevant hashtags to improve discoverability, so users can easily find your profile related to graphic design for Instagram. Adding a link to your website or design portfolio can drive traffic and offer visitors easy access to your work. Additionally, consider using the best app for creating Instagram posts or free graphic design software to craft visually appealing graphics. Finally, include a clear call-to-action, like “Check out my latest designs!” to encourage immediate engagement. Engage With Your Community Building a strong connection with your community on Instagram is crucial for enhancing your overall engagement and visibility. By nurturing genuine interactions, you can create a loyal following that actively engages with your content. Here are three effective strategies: Respond to Comments: Authentic replies to comments can strengthen bonds and encourage more interactions. Utilize Interactive Features: Polls and quizzes in stories can increase engagement rates considerably, making your audience feel involved. Share User-Generated Content: Showcasing your followers’ content builds trust and encourages others to share their experiences. Consider using the best design apps or free graphic software to create social media banners that highlight these interactions. Explore graphic design programs free for effective engagement tools. Create Captivating Visual Content Creating alluring visual content is crucial for standing out on Instagram. High-quality graphics not only grab attention but additionally encourage interaction, as users often make quick judgments based on what they see. Experimenting with different formats, like carousels or collages, can keep your feed dynamic and engaging, helping you connect with your audience more effectively. High-Quality Graphics Importance High-quality graphics play an important role in shaping the success of your Instagram profile, as they not just improve the overall aesthetic but also greatly affect engagement levels. When you use clear, high-resolution images, you boost your brand’s professionalism, making it more appealing to potential followers. Consider these key benefits: Increased engagement: Posts with high-quality visuals receive up to 94% more views. Brand credibility: Polished images help maintain a trustworthy image, vital for attracting clients. Cohesive identity: Consistent use of quality graphics promotes brand recognition. You can utilize the best software to create graphics or a free tool to make stunning graphic images. For mobile users, explore graphic design software for Android and apps to create Instagram posts that improve your content. Experiment With Formats Visual content on Instagram thrives on variety, and experimenting with different formats can significantly improve your engagement rates. Incorporating carousels, videos, and IGTV can elevate engagement by up to 38%, as users often prefer dynamic content. Utilize Instagram Stories for behind-the-scenes glimpses, which can make followers 58% more likely to engage with your brand. Furthermore, interactive formats like polls and quizzes can boost viewer interaction by 20%. For video content, short reels can drive 67% more engagement than standard images, emphasizing the platform’s visual storytelling preference. To create appealing content, consider using graphics making software or the best application for graphic design. Leverage social media free templates for efficiency, especially on graphic design Android devices. Utilize Effective Hashtags To improve your Instagram success, it’s essential to research trending hashtags that resonate with your content. Mixing popular and niche-specific tags can greatly expand your reach and engage a targeted audience. Research Trending Hashtags Researching trending hashtags is crucial for enhancing the visibility of your Instagram posts, as effective hashtag usage can lead to a significant increase in engagement. To maximize your reach, consider these strategies: Use Instagram’s search function to identify trending hashtags and assess their popularity. Regularly analyze which hashtags drive the most engagement, adapting your strategy as trends shift. Create and promote a branded hashtag, nurturing community and user-generated content. Mix Popular and Niche How can you effectively mix popular and niche hashtags to boost your Instagram engagement? Start by using a blend of popular hashtags, those with over 1 million posts, and niche hashtags, which have fewer than 100,000 posts. This strategy broadens your reach as you target specific audiences. Research trending hashtags in your industry to find relevant tags that are gaining traction. Incorporate branded hashtags unique to your content to encourage user-generated content, nurturing community. Aim for about 5 to 15 hashtags per post, as too many can seem spammy. Engaging with posts under the same hashtags not only expands your network but likewise increases your chances of being discovered. Utilize graphic and design applications, including free graphics programs and graphic design freeware, for your posts. Maintain Consistency in Design Maintaining consistency in design is crucial for establishing a recognizable brand identity, as consumers often identify a brand purely by its visual elements. To improve your Instagram graphics, consider the following: Adopt a uniform color palette that reflects your brand’s personality, making your posts easily identifiable. Utilize consistent typography across all posts to strengthen your brand message and guarantee readability. Create templates using graphic creator tools or design programs free to streamline the design process and maintain a cohesive aesthetic. Leverage Video Content on IGTV Visual consistency in your Instagram posts lays the groundwork for a strong brand identity, but to truly engage your audience, you should likewise explore the potential of video content on IGTV. This platform allows you to upload long-form videos, perfect for tutorials or behind-the-scenes content. Engaging video content often retains viewers longer than standard posts, which can boost interaction rates considerably. Promote your IGTV videos through stories and regular posts to drive traffic and improve visibility. Incorporate interactive elements like polls to encourage community engagement. Regularly check performance metrics, such as watch time, to understand what resonates. By utilizing graphics creator software free download options and design graphic programs, you can elevate your IG graphic quality and effectiveness. Analyze and Adjust Your Strategy To effectively grow your Instagram presence, it’s crucial to regularly analyze and adjust your strategy based on the data you gather. Start by focusing on these key areas: Engagement Metrics: Review likes, comments, and shares to see what content resonates with your audience. Follower Insights: Use Instagram Insights to analyze demographics and behavior patterns, tailoring your posts accordingly. Experimentation: Test different posting times and content types—like images, videos, and carousels—to find what boosts engagement. Set specific goals for growth, track your progress, and refine your strategy using data-driven results. If you’re wondering how do you make graphics, consider using a freeware design program or search for graphics making software free download. This will help you create visuals that align with your audience’s preferences. Frequently Asked Questions How to Grow on Instagram as a Graphic Designer? To grow on Instagram as a graphic designer, start by optimizing your bio to clearly present who you’re and what you offer. Engage with your audience by responding to comments and utilizing features like polls in Stories. Post high-quality content consistently, ensuring it reflects your unique style. Use a mix of popular and niche hashtags for visibility, and analyze your engagement metrics regularly to refine your content strategy effectively. Is Instagram Good for Graphic Design? Yes, Instagram’s a great platform for graphic design. With over 1 billion active users, it offers a vast audience for showcasing your work. The emphasis on high-quality visuals helps your designs stand out, increasing brand visibility. Utilizing features like Stories and Reels lets you share your creative process, whereas effective hashtags can boost your reach. Connecting with potential clients and collaborators becomes easier as you engage with the community and showcase your portfolio. How to Design Good Instagram Posts? To design good Instagram posts, start with high-quality images sized at 1080 x 1080 pixels for clarity. Use contrasting colors to improve readability, aiming for a 4.5:1 contrast ratio. Limit text to one or two lines and stick to two or three fonts to keep your design clean. Employ visual hierarchy by adjusting element sizes and placements, and regularly update your content to incorporate new trends, ensuring your posts remain engaging and fresh. How Do I Brand Myself as a Graphic Designer? To brand yourself as a graphic designer, start by developing a consistent visual identity. Choose a specific color palette and typography that reflects your style. Create a unique logo to improve brand recognition. Regularly showcase high-quality examples of your work, highlighting diverse skills. Engage with your audience through behind-the-scenes content and personal insights. Use strategic hashtags to expand your visibility and attract a targeted audience interested in your design niche. Conclusion To conclude, applying these seven graphic design tips can greatly improve your Instagram presence. By optimizing your bio, engaging with your community, and creating intriguing visuals, you can attract more followers. Utilizing effective hashtags and maintaining design consistency will enhance visibility and brand recognition. Furthermore, leveraging video content on IGTV and regularly analyzing your strategy will help you adapt to audience preferences. Implement these strategies to promote growth and establish a strong brand identity on Instagram. Image via Google Gemini This article, "7 Essential Graphic Design Tips for Instagram Success" was first published on Small Business Trends View the full article

If you want to succeed on Instagram, focusing on graphic design is vital. Start by optimizing your bio, as it sets the tone for your profile. Engaging with your community can furthermore improve your brand’s presence. Moreover, creating interesting visuals is important for attracting followers. As you consider these strategies, you’ll find that consistency in design and effective use of hashtags can greatly impact your reach. What other tactics can raise your Instagram game? Key Takeaways Optimize your Instagram bio with a catchy introduction, relevant hashtags, and a link to your portfolio for better discoverability. Use high-quality visuals and experiment with formats like carousels to enhance engagement and professionalism in your posts. Research and mix popular and niche hashtags to increase visibility, aiming for 5 to 15 hashtags per post for optimal reach. Maintain a consistent design with a uniform color palette and typography to establish a recognizable brand identity across all posts. Analyze performance metrics to refine your graphic strategies, adjusting designs based on audience preferences and engagement results. Optimize Your Instagram Bio Your Instagram bio is a crucial element of your profile, as it serves as the first impression for potential followers. To optimize it, summarize your identity and offerings within 150 characters. Start with a catchy introduction that reflects your personality or brand voice. Incorporate relevant hashtags to improve discoverability, so users can easily find your profile related to graphic design for Instagram. Adding a link to your website or design portfolio can drive traffic and offer visitors easy access to your work. Additionally, consider using the best app for creating Instagram posts or free graphic design software to craft visually appealing graphics. Finally, include a clear call-to-action, like “Check out my latest designs!” to encourage immediate engagement. Engage With Your Community Building a strong connection with your community on Instagram is crucial for enhancing your overall engagement and visibility. By nurturing genuine interactions, you can create a loyal following that actively engages with your content. Here are three effective strategies: Respond to Comments: Authentic replies to comments can strengthen bonds and encourage more interactions. Utilize Interactive Features: Polls and quizzes in stories can increase engagement rates considerably, making your audience feel involved. Share User-Generated Content: Showcasing your followers’ content builds trust and encourages others to share their experiences. Consider using the best design apps or free graphic software to create social media banners that highlight these interactions. Explore graphic design programs free for effective engagement tools. Create Captivating Visual Content Creating alluring visual content is crucial for standing out on Instagram. High-quality graphics not only grab attention but additionally encourage interaction, as users often make quick judgments based on what they see. Experimenting with different formats, like carousels or collages, can keep your feed dynamic and engaging, helping you connect with your audience more effectively. High-Quality Graphics Importance High-quality graphics play an important role in shaping the success of your Instagram profile, as they not just improve the overall aesthetic but also greatly affect engagement levels. When you use clear, high-resolution images, you boost your brand’s professionalism, making it more appealing to potential followers. Consider these key benefits: Increased engagement: Posts with high-quality visuals receive up to 94% more views. Brand credibility: Polished images help maintain a trustworthy image, vital for attracting clients. Cohesive identity: Consistent use of quality graphics promotes brand recognition. You can utilize the best software to create graphics or a free tool to make stunning graphic images. For mobile users, explore graphic design software for Android and apps to create Instagram posts that improve your content. Experiment With Formats Visual content on Instagram thrives on variety, and experimenting with different formats can significantly improve your engagement rates. Incorporating carousels, videos, and IGTV can elevate engagement by up to 38%, as users often prefer dynamic content. Utilize Instagram Stories for behind-the-scenes glimpses, which can make followers 58% more likely to engage with your brand. Furthermore, interactive formats like polls and quizzes can boost viewer interaction by 20%. For video content, short reels can drive 67% more engagement than standard images, emphasizing the platform’s visual storytelling preference. To create appealing content, consider using graphics making software or the best application for graphic design. Leverage social media free templates for efficiency, especially on graphic design Android devices. Utilize Effective Hashtags To improve your Instagram success, it’s essential to research trending hashtags that resonate with your content. Mixing popular and niche-specific tags can greatly expand your reach and engage a targeted audience. Research Trending Hashtags Researching trending hashtags is crucial for enhancing the visibility of your Instagram posts, as effective hashtag usage can lead to a significant increase in engagement. To maximize your reach, consider these strategies: Use Instagram’s search function to identify trending hashtags and assess their popularity. Regularly analyze which hashtags drive the most engagement, adapting your strategy as trends shift. Create and promote a branded hashtag, nurturing community and user-generated content. Mix Popular and Niche How can you effectively mix popular and niche hashtags to boost your Instagram engagement? Start by using a blend of popular hashtags, those with over 1 million posts, and niche hashtags, which have fewer than 100,000 posts. This strategy broadens your reach as you target specific audiences. Research trending hashtags in your industry to find relevant tags that are gaining traction. Incorporate branded hashtags unique to your content to encourage user-generated content, nurturing community. Aim for about 5 to 15 hashtags per post, as too many can seem spammy. Engaging with posts under the same hashtags not only expands your network but likewise increases your chances of being discovered. Utilize graphic and design applications, including free graphics programs and graphic design freeware, for your posts. Maintain Consistency in Design Maintaining consistency in design is crucial for establishing a recognizable brand identity, as consumers often identify a brand purely by its visual elements. To improve your Instagram graphics, consider the following: Adopt a uniform color palette that reflects your brand’s personality, making your posts easily identifiable. Utilize consistent typography across all posts to strengthen your brand message and guarantee readability. Create templates using graphic creator tools or design programs free to streamline the design process and maintain a cohesive aesthetic. Leverage Video Content on IGTV Visual consistency in your Instagram posts lays the groundwork for a strong brand identity, but to truly engage your audience, you should likewise explore the potential of video content on IGTV. This platform allows you to upload long-form videos, perfect for tutorials or behind-the-scenes content. Engaging video content often retains viewers longer than standard posts, which can boost interaction rates considerably. Promote your IGTV videos through stories and regular posts to drive traffic and improve visibility. Incorporate interactive elements like polls to encourage community engagement. Regularly check performance metrics, such as watch time, to understand what resonates. By utilizing graphics creator software free download options and design graphic programs, you can elevate your IG graphic quality and effectiveness. Analyze and Adjust Your Strategy To effectively grow your Instagram presence, it’s crucial to regularly analyze and adjust your strategy based on the data you gather. Start by focusing on these key areas: Engagement Metrics: Review likes, comments, and shares to see what content resonates with your audience. Follower Insights: Use Instagram Insights to analyze demographics and behavior patterns, tailoring your posts accordingly. Experimentation: Test different posting times and content types—like images, videos, and carousels—to find what boosts engagement. Set specific goals for growth, track your progress, and refine your strategy using data-driven results. If you’re wondering how do you make graphics, consider using a freeware design program or search for graphics making software free download. This will help you create visuals that align with your audience’s preferences. Frequently Asked Questions How to Grow on Instagram as a Graphic Designer? To grow on Instagram as a graphic designer, start by optimizing your bio to clearly present who you’re and what you offer. Engage with your audience by responding to comments and utilizing features like polls in Stories. Post high-quality content consistently, ensuring it reflects your unique style. Use a mix of popular and niche hashtags for visibility, and analyze your engagement metrics regularly to refine your content strategy effectively. Is Instagram Good for Graphic Design? Yes, Instagram’s a great platform for graphic design. With over 1 billion active users, it offers a vast audience for showcasing your work. The emphasis on high-quality visuals helps your designs stand out, increasing brand visibility. Utilizing features like Stories and Reels lets you share your creative process, whereas effective hashtags can boost your reach. Connecting with potential clients and collaborators becomes easier as you engage with the community and showcase your portfolio. How to Design Good Instagram Posts? To design good Instagram posts, start with high-quality images sized at 1080 x 1080 pixels for clarity. Use contrasting colors to improve readability, aiming for a 4.5:1 contrast ratio. Limit text to one or two lines and stick to two or three fonts to keep your design clean. Employ visual hierarchy by adjusting element sizes and placements, and regularly update your content to incorporate new trends, ensuring your posts remain engaging and fresh. How Do I Brand Myself as a Graphic Designer? To brand yourself as a graphic designer, start by developing a consistent visual identity. Choose a specific color palette and typography that reflects your style. Create a unique logo to improve brand recognition. Regularly showcase high-quality examples of your work, highlighting diverse skills. Engage with your audience through behind-the-scenes content and personal insights. Use strategic hashtags to expand your visibility and attract a targeted audience interested in your design niche. Conclusion To conclude, applying these seven graphic design tips can greatly improve your Instagram presence. By optimizing your bio, engaging with your community, and creating intriguing visuals, you can attract more followers. Utilizing effective hashtags and maintaining design consistency will enhance visibility and brand recognition. Furthermore, leveraging video content on IGTV and regularly analyzing your strategy will help you adapt to audience preferences. Implement these strategies to promote growth and establish a strong brand identity on Instagram. Image via Google Gemini This article, "7 Essential Graphic Design Tips for Instagram Success" was first published on Small Business Trends View the full article

If you receive a warning on a LinkedIn post that your account has been restricted, don't engage with it. Scammers are using LinkedIn branding in official-looking "reply" comments to spread phishing links intended to harvest users' login credentials. As reported by BleepingComputer, this impersonation campaign relies on fake company pages and LinkedIn's official link shortener to trick users into "verifying" their identities on a domain run by threat actors. Here's what to look for. How LinkedIn reply comment phishing worksScammers are replying to posts on LinkedIn with messages claiming that users have in some way violated the platform's policies. The comments include a link, which users are urged to click to prevent their accounts from being further restricted or suspended. In some cases, the link's preview text states "We take steps to protect your account when we detect signs of potential unauthorized access. This may include logins from unfamiliar locations or..." which may convince users to overlook the link itself, which clearly does not lead to a page on a valid LinkedIn domain. In others, the scammers have further masked the phishing site using LinkedIn's official URL shortener, lnkd.in, which is even less likely to raise suspicion, especially if the link preview doesn't generate on certain devices. If you click through the link, you'll land on a phishing page that uses LinkedIn branding and contains more information about the supposed account restriction with a button to "Verify your identity." That leads to another page that closely spoofs LinkedIn's standard sign-in interface and is designed to steal your credentials. The reply comments themselves utilize LinkedIn's logo and branding and are connected to company pages with variations on the platform's name—"Linked Very," for example. These are obviously fake at first glance, as they don't have any of the robust content (such as posts, employees, or followers) you'd expect from the real LinkedIn. But users could feasibly follow the phishing link without further investigation into the commenter. Don't interact with urgent reply comments on LinkedInAs always, any urgent message or comment about your account security or status, no matter how official-sounding, should raise red flags. A second look at these replies make it clear that they are not from the real LinkedIn, which won't send communication about account or policy violations in a public manner nor urge you to click links in comments or private messages. View the full article

Chief David Solomon says Goldman had largest backlog of deals since pandemic View the full article

2025 unleashed the enormous potential of AI. According to Pew Research, 62% of adults say they interact with AI at least several times a week, and 73% of U.S. adults say they are at least a little bit willing to let AI assist with their day-to-day activities. However, while most people today use AI primarily for answering their questions or researching products to buy, the real opportunity isn’t in better search functionality alone. In the consumer tech industry, we are at the threshold of a generational opportunity to leverage AI to make people’s lives better and more meaningful, saving them time on what they need to do so they can focus on doing what they want to do. We need to champion a fundamental shift in how we design technology from interfaces we control to companions we trust. Not through more screens or settings, but through intelligence that shapes what you see, how you cook, how you clean, and how your home responds to you—often invisibly, and always intentionally. This is what real AI looks like: a companion. It learns your habits. It helps without demanding attention. It anticipates rather than interrupts. In 2026, AI moves from optional to indispensable, especially inside the home, where its impact will be most personal. INVISIBLE INTELLIGENCE The signals are unmistakable. In an internal consumer survey Samsung conducted in late 2025, 74% of respondents said they want to see at least some personal tech become more human-like or instinctive. For example, that includes AI that recognizes context and anticipates needs without constant input. What does this look like in daily life? Imagine TVs that automatically optimize picture and sound based on what you’re watching and your room environment. Refrigerators that understand ingredients and suggest meals without you having to ask. Appliances that work together seamlessly, reducing everyday friction rather than adding complexity. That’s what invisible intelligence looks like. What’s ahead is exciting. I’m just back from the Consumer Electronics Show in Las Vegas where the conversation around AI reached a crescendo. Samsung debuted a vision for AI Living that unifies intelligence across a broad ecosystem of mobile devices, home appliances, TVs, and services to bring connection, bringing the benefits of AI to create experiences that understand people and adapt to their lives. INTUITIVE, NOT INTRUSIVE I believe that AI must feel intuitive, not intrusive. In practical terms, a companion frees up something valuable: time and mental load. When your home acts like a companion by handling routine decisions, adjusting temperatures, suggesting meals, and managing energy, it returns your attention to what actually matters. Connection with family. Creative work. Rest. But a real companion can’t operate in isolation. Innovation should no longer be individual AI features. Real companionship requires orchestration across an ecosystem of dozens of devices that actually know each other, learn together, and move in concert. This requires open standards, multi-brand compatibility, and foundational trust. Privacy and security can’t be afterthoughts. If your home is a true companion, it must be a trustworthy companion. That foundation is non-negotiable. As AI becomes a constant presence in our lives, the companies that win won’t be the ones with the most features. They’ll be the ones that understand something fundamental, which is that the best technology is the technology you don’t think about. The question isn’t whether AI companions are coming. They are. The question is whether we design them thoughtfully, to be our true partners in daily life or to be systems that extract value while appearing to serve us. In 2026, we are choosing genuine companionship. Yoonie Joung is President and CEO of Samsung Electronics North America. View the full article

YouTube is upgrading its Promotions tool, letting creators target potential viewers by interests, not just age, gender, or location. What’s new. Creators can now target users by interest categories like Food & Dining. These categories are built from aggregated, anonymized signals, including search behavior and viewing habits. Example: Users who frequently search for recipes and watch cooking content may be grouped into a food-related interest segment. How it works.YouTube uses patterns across Google services to infer interests, then applies those signals at scale — without exposing individual user data. Why we care. Creators who pay to promote videos can now reach users based on what they actually care about — a shift that makes promotions more efficient and more competitive with traditional Google Ads. The big picture. YouTube promotions have historically been blunt instruments, relying mostly on demographics. Interest-based targeting brings the tool closer to full-funnel advertising and makes paid promotion more attractive for: Growing channels trying to find their first real audience Established creators launching new formats Brands using creator-led content for reach What’s next: The feature is desktop-only for now A mobile rollout is expected in the future First seen. This update was first spotted by Google Ads Specialist Georgi Zayakov which he shared on LinkedIn Bottom line. YouTube is giving creators better tools to find the right viewers — not just more viewers — and narrowing the gap between creator marketing and traditional digital advertising. View the full article

This week the conforming 30-year fixed rate mortgage fell 10 basis points, with Optimal Blue data showing it broke through, at least briefly, the 6% level. View the full article

A reader asks: A while back, an employee who reported to me (I’m a man) became visibly pregnant soon after she started. But she never brought it up. Not with me, not with HR, not with anyone. I didn’t ask her about it, though nearly everyone else in our office asked me. I cringed when I responded since it was obvious she was pregnant but I felt that I needed to protect her privacy. I felt like I was walking around on pins and needles with this very obvious elephant in the room. Her job description included occasionally lifting objects up to 40 pounds, and the only way I treated her differently was that I went out of my way to pick up anything remotely heavy. Eventually, she was put on bed rest and had her baby a week later. She did not return to the organization. The office was a very friendly place, and I know the employees would have loved to have thrown her a baby shower and all those fun things. But I realize I was handed a hot potato, from several different angles. Should I have addressed this directly with her? Or was I fine to ignore it? Green responds: You were right to ignore it, awkward and strange as it felt. Sometimes when people think someone looks obviously pregnant, they actually aren’t. Sometimes that’s just their body shape, even if it’s new. Other times they’re pregnant but know they won’t be carrying the baby to full-term because of a medical situation and don’t want to talk about that at work. I know the argument is that the employer needs to plan for the person’s maternity leave (or departure in this case). And generally people do eventually announce their pregnancies at work for that reason. But when someone chooses not to, there’s usually a reason for that choice—and as a manager I’d err on the side of respecting that. After all, other situations can cause someone to suddenly need medical leave without any heads-up or to need to resign without notice, and employers deal with those and make do. Of course, the counterargument to this is that if an employee knew months in advance that they’d need several months off for, say, surgery, and didn’t bother to tell anyone until the day before, that would be a problem. But again, we don’t know the full story here, most pregnant people do announce their pregnancies, and the fact that she didn’t likely indicates she had a reason for wanting privacy. If we get an epidemic of people not announcing their pregnancies until the day before they go on leave, thus leaving employers everywhere in the lurch, we can revisit that, but right now it’s not typical, it’s reasonable to assume something was up, and you were right to err on the side of respecting her privacy. One last thing: It’s important to note that any concern should be solely confined to the employer’s ability to plan for the employee’s sudden absence. The office’s interest in giving this person a baby shower is 100% not relevant. If she had wanted that, she would have shared the pregnancy. She didn’t, and that matters much more than anyone’s desire to celebrate with her. View the full article

Here are four updates from past letter-writers. 1. My husband doesn’t want anyone I work with to know we’re married Thank you for publishing my letter — it was quite reassuring to read that this particular request from my husband was giving others pause as well. There was a lot of speculation in the comments, which was quite amusing to read, and lots of excellent points being made too! I do want to add that my husband has always been very conscious about sharing “private” info, but to be clear — he’s never hidden the fact that he is a married (straight) man, but he won’t go around telling his coworkers my name or my employer. Like you said, this was more of a husband problem than a work problem. As recommended, I had another sit down with my husband and explained again why the situation made me uncomfortable and how awkward this could be for Jeff, too. I wish I could tell you that this fixed everything, but it didn’t. The argument actually got a little heated, and we could not get on the same page. This might sound unbelievable, but my man is generally emotionally intelligent (one of the many qualities I adore in him) and yet I could not get him to see things from mine or Jeff’s point of view. I can’t remember there ever being a subject between us where it was so hard to find common ground (and we’ve been a great team through far worse). Disappointing, sure, but it is what is. I did let him know that I would not be crossing that line of lying — either implicitly (by omission) or explicitly — again with Jeff. He wasn’t happy about it, I wasn’t either, but at least it was clear where we both stood on the matter. A few weeks after that, Jeff found out anyway (as I always assumed would happen at some point, it’s really hard to keep a mutual connection secret in this day and age!). Jeff asked me about it at a company event, and I kept it very matter-of-fact (“Yup, that’s my husband, he prefers to keep that info private, kinda weird but oh well”) and that was … it? Jeff made no fuss about it, so if he thought it was weird, he kept it to himself. Jeff hasn’t brought it up with my husband either. My husband knows the cat’s out of the bag because I told him, and he got a little huffy at first, then dropped it. I see Jeff weekly at tennis now, and all is well. I’m a bit more mindful than usual about the things I share but we have plenty of other common interests to talk about so my husband doesn’t really come up as a topic of conversation. Not the most exciting of updates, sometimes you’re just going to clash with your person. 2. Why does job-searching feel like actual torture? I wrote in earlier this year about being unhappy in my job but feeling unable to make myself search for a different one. Well, I now have a new job! I really lucked out because a role opened up at my company in a department I’ve worked with the entire time I have been here. I immediately talked to the decision-makers for that department and accepted the job a few weeks later after the role was reworked specifically for me (!). I’ve been slowly transitioning from the old job to the new one over the past couple months and officially transferred a couple weeks ago. It’s a step down in pay but still a comfortable wage for me, and I’m SO much happier with the work and the team … plus I don’t have to change any of my benefits, learn a new office culture, or kiss my unvested retirement funds goodbye! This situation made me realize how much anxiety was affecting me and how much extra anxiety my previous job was creating. I knew I had anxiety, but I didn’t realize the full effect until I started feeling like I was on the brink of a panic attack one day at work, which was a new experience. I’ve been on an antidepressant for several years, but after that day, I went to my doctor and added an anti-anxiety medication, which has been incredibly helpful. It’s made a huge difference at work and basically every other part of my life (imagine that)! My plan now is to stay in my new role for at least three years. I think it’s likely that having this job on my resume will open a lot more doors for me next time I end up job-searching, both because of the skills I’m developing and because it will make sense to employers that I’m applying for jobs that I previously wouldn’t have looked as qualified for. I’m also hopeful that better management of my anxiety will make job-searching feel more doable in the future. Thank you again for answering my letter! 3. How do I apply for a job internally without my boss knowing? I did apply to the internal job. I read my employee handbook and it said I need to let my manager know, so I did that and then let the hiring manager know I had applied. While I tried to play it cool, I pinned a lot of hopes on this new position. Just a couple weeks later, guess what happened? A partner org outside my company contacted me (I do a lot of answering outside partner questions as part of my role) to ask about being put in touch with new hire Samantha. Samantha? Who was that and what role did she get? My dream role, that’s what she got. I was in shock. I was so upset not only that I didn’t get the job but that this is how I found out. No notice from the hiring manager, who I spoke to on a regular basis, not even a form email from HR. As I sat there in shock, who came around the corner? Samantha herself, being given the tour of the office. It took all my strength to smile and welcome her — it wasn’t her fault, of course. The most upsetting thing about all this was that the hiring manager, who I thought I had rapport with, never once mentioned this to me. She never again brought up the role or our conversation about it. It was hurtful, not gonna lie. My own manager had my back and even though I was trying to leave her team, she was furious on my behalf! While there are good things about working where I do, clearly my workplace has its issues. I’m contemplating what to do from here. 4. How do I give 360 feedback to my clueless coworker? Thank you for the advice! I did end up consulting Bob’s boss with similar language to what you suggested and additionally noting that the 360 review was adding stress during a busy period. His boss looked at me and said, “He’s leaving for grad school in three months anyway, so don’t worry about it.” So, I didn’t end up saying anything in his review, and I helped hire and onboard his replacement, who is much better. The post updates: my husband doesn’t want anyone I work with to know we’re married, and more appeared first on Ask a Manager. View the full article

With a ring of massive columns and seating for more than 70,000 people, President Donald The President may be getting the football stadium of his dreams. Renderings have just been released of the proposed design for a new stadium for the Washington Commanders NFL team, and the aesthetic is right in line with an architectural style the The President administration has been championing with increasing passion. The stadium is an oval of dozens of white columns recalling the classical-influenced architecture of some of the capital’s most recognizable buildings. Designed by the architecture firm HKS, the stadium’s concept takes one of the most familiar elements of classical architecture—the column—and turns it into the defining feature of the building. Cascading around the stadium’s perimeter with heights upward of 100 feet, the columns are topped by a concave ellipse, also a marble-like white, that holds a semi-transparent roof. Glass between the columns offer views into the structure, which would glow from within during events. The stadium’s design is a reflection of the The President administration’s desire for an official embrace of the classical and neoclassical architecture that has typified federal buildings since the earliest days of the republic. Drawing influence from the columns and pediments abundant in the buildings of ancient Greece and the Roman empire, this classical architecture style can be seen at the White House, the Capitol Building, and the Supreme Court, among many other buildings across the city and country. It’s a style the The President administration has sought to reassert as the federal standard, issuing executive orders in both of his terms to make classical architecture the preferred style for new federal projects. The group behind this effort, the National Civic Art Society, has been working for decades to convince national leaders that traditional design, not the modernism that emerged in the postwar years, is the most appropriate style for federal architecture. The President’s architectural preferences The President, the longtime real estate developer, has made this a key part of his agenda. His desire for more classical architecture has trickled down through The President appointees to the agency that oversees the design of all significant projects in Washington D.C., the National Capitol Planning Commission (NCPC). NCPC chair Will Scharf, appointed to the commission in July 2025 by The President, recently called on officials from the Washington Commanders to ensure the new stadium “incorporates architectural features in keeping with the capital more generally—classical, neoclassical elements.” Speaking at a recent NCPC meeting, Scharf said, “I think really going back to classical antiquity, arenas and stadiums have played a vital role in the urban cityscape… I think there were several decades in American history where we unfortunately really got away from that, much to the detriment of the fan experience.” The stadium would sit on the site of the demolished Robert F. Kennedy Memorial Stadium, the team’s former home. That site aligns directly with Washington D.C.’s L’Enfant Plan, the city’s 1790 urban plan that criss-crossed the area with diagonal axes and carefully configured views of buildings like the Capitol, the Washington Monument, and the White House. The President’s preference for classical architecture in the capital is beginning to influence development in the city. Under the NCPC’s authority, the stadium project could be its most imposing expression. The design from HKS shows a willingness to play along. In a press release, HKS global venues director Mark A. Williams says the project’s design was guided by its “significance of place.” “Monumental in presence, grounded in the L’Enfant Plan, and scaled to the urban fabric of the District, the stadium design will be a bold civic landmark that carries the city’s architectural legacy forward in a way that is confident, dynamic, and unmistakably Washington, D.C.,” he says. It could also become unmistakably The President, as the president’s architectural preferences reverberate through the capital. (The President has also called for the stadium to be named after himself.) Construction on the Commanders stadium could start in 2027, with an opening date in 2030, a year after the constitutionally mandated end of The President’s final term. View the full article

In an increasingly digital-first world, small businesses can enhance their employee benefits offerings with the latest collaboration between Paychex and PayPal. This new partnership integrates PayPal Direct Deposit into the Paychex Flex® Perks platform, allowing employees easy access to their wages, including the possibility of receiving paychecks up to two days early. For small business owners looking to attract and retain talent, this could represent a game-changing opportunity. Cory Mau, Paychex’s vice president of corporate strategy, emphasized the partnership’s focus on financial wellness: “In today’s economy, workers face numerous financial pressures. We are pleased to announce another financial wellness solution available to the employees of our customers through PayPal.” This service aims to address financial issues faced by employees, especially those who may be unbanked—approximately 5.6 million U.S. households as per a recent Federal Deposit Insurance Corporation report. Not having enough money to meet minimum bank balance requirements is the primary reason for these households remaining unbanked. With this integration, employees can seamlessly set up PayPal Direct Deposit within the Paychex Flex system. This feature not only allows for early access to wages but also opens the door to various financial products offered by PayPal. Employees can tap into the full suite of services, such as the PayPal Debit Mastercard®, which provides a unique cash-back rewards program, and high-yield PayPal Savings accounts with a competitive annual percentage yield (APY) of 3.65%. There are compelling reasons for employers to consider this new benefit. First, offering early paycheck access can significantly improve employee satisfaction. The benefit enhances financial flexibility, allowing employees to transfer their wages directly to PayPal and manage their finances in a more agile manner. As Scott Young, SVP of Consumer Financial Services at PayPal, noted, “PayPal is helping consumers make the most of their money, optimizing cash back and rewards while also offering a trusted, flexible, and seamless experience.” For small businesses, integrating Paychex Flex Perks could provide a competitive edge. With 25 employee benefit offerings now available, companies of all sizes can tap into a solution designed for today’s diverse workforce. Employees can enroll in these benefits easily through the cloud-based Paychex Flex platform without incurring additional costs for the employer. This democratization of enterprise-level benefits enables smaller companies to attract top talent similarly to larger firms. However, small business owners should remain aware of potential challenges accompanying this integration. Employees who are not familiar with digital wallets may require additional guidance in setting up their accounts. Particularly for enterprises with a multi-generational workforce, training sessions or resource materials could enhance understanding and speed up adoption. Compliance considerations should also be on the radar. Utilizing a third-party payment platform like PayPal requires businesses to ensure that they adhere to financial regulations, which can vary by state. Ensuring a smooth payroll process while integrating a new payment method is essential for maintaining employee trust and satisfaction. The collaboration extends beyond mere financial benefits. It also signals a shift towards more comprehensive employee engagement strategies, which can include wellness programs focused on financial literacy and money management. The investment in employee satisfaction through initiatives like early pay access can yield greater productivity and loyalty in return. As the demand for employee benefits evolves, businesses can position themselves competitively by partnering with platforms that adapt to these changing needs. Employers interested in exploring employee benefits through Paychex Flex Perks can visit Paychex’s official site for more details. In a world where financial health increasingly influences job satisfaction, offering innovative benefit solutions can help small businesses thrive in an intensely competitive labor market. For more information, you can view the original press release here. Image via Google Gemini This article, "Paychex and PayPal Collaborate to Offer Early Direct Deposit Solutions" was first published on Small Business Trends View the full article

In an increasingly digital-first world, small businesses can enhance their employee benefits offerings with the latest collaboration between Paychex and PayPal. This new partnership integrates PayPal Direct Deposit into the Paychex Flex® Perks platform, allowing employees easy access to their wages, including the possibility of receiving paychecks up to two days early. For small business owners looking to attract and retain talent, this could represent a game-changing opportunity. Cory Mau, Paychex’s vice president of corporate strategy, emphasized the partnership’s focus on financial wellness: “In today’s economy, workers face numerous financial pressures. We are pleased to announce another financial wellness solution available to the employees of our customers through PayPal.” This service aims to address financial issues faced by employees, especially those who may be unbanked—approximately 5.6 million U.S. households as per a recent Federal Deposit Insurance Corporation report. Not having enough money to meet minimum bank balance requirements is the primary reason for these households remaining unbanked. With this integration, employees can seamlessly set up PayPal Direct Deposit within the Paychex Flex system. This feature not only allows for early access to wages but also opens the door to various financial products offered by PayPal. Employees can tap into the full suite of services, such as the PayPal Debit Mastercard®, which provides a unique cash-back rewards program, and high-yield PayPal Savings accounts with a competitive annual percentage yield (APY) of 3.65%. There are compelling reasons for employers to consider this new benefit. First, offering early paycheck access can significantly improve employee satisfaction. The benefit enhances financial flexibility, allowing employees to transfer their wages directly to PayPal and manage their finances in a more agile manner. As Scott Young, SVP of Consumer Financial Services at PayPal, noted, “PayPal is helping consumers make the most of their money, optimizing cash back and rewards while also offering a trusted, flexible, and seamless experience.” For small businesses, integrating Paychex Flex Perks could provide a competitive edge. With 25 employee benefit offerings now available, companies of all sizes can tap into a solution designed for today’s diverse workforce. Employees can enroll in these benefits easily through the cloud-based Paychex Flex platform without incurring additional costs for the employer. This democratization of enterprise-level benefits enables smaller companies to attract top talent similarly to larger firms. However, small business owners should remain aware of potential challenges accompanying this integration. Employees who are not familiar with digital wallets may require additional guidance in setting up their accounts. Particularly for enterprises with a multi-generational workforce, training sessions or resource materials could enhance understanding and speed up adoption. Compliance considerations should also be on the radar. Utilizing a third-party payment platform like PayPal requires businesses to ensure that they adhere to financial regulations, which can vary by state. Ensuring a smooth payroll process while integrating a new payment method is essential for maintaining employee trust and satisfaction. The collaboration extends beyond mere financial benefits. It also signals a shift towards more comprehensive employee engagement strategies, which can include wellness programs focused on financial literacy and money management. The investment in employee satisfaction through initiatives like early pay access can yield greater productivity and loyalty in return. As the demand for employee benefits evolves, businesses can position themselves competitively by partnering with platforms that adapt to these changing needs. Employers interested in exploring employee benefits through Paychex Flex Perks can visit Paychex’s official site for more details. In a world where financial health increasingly influences job satisfaction, offering innovative benefit solutions can help small businesses thrive in an intensely competitive labor market. For more information, you can view the original press release here. Image via Google Gemini This article, "Paychex and PayPal Collaborate to Offer Early Direct Deposit Solutions" was first published on Small Business Trends View the full article

Embrace artificial intelligence in your accounting practice. By Jackie Meyer Go PRO for members-only access to more Jackie Meyer. View the full article

Embrace artificial intelligence in your accounting practice. By Jackie Meyer Go PRO for members-only access to more Jackie Meyer. View the full article

Welcome to AI Decoded, Fast Company’s weekly newsletter that breaks down the most important news in the world of AI. I’m Mark Sullivan, a senior writer at Fast Company, covering emerging tech, AI, and tech policy. This week, I’m focusing on how and why AI will grow from something that chats to something that works in 2026. I also focus on a new privacy-focused AI platform from the maker of Signal, and on Google’s work on e-commerce agents. Sign up to receive this newsletter every week via email here. And if you have comments on this issue and/or ideas for future ones, drop me a line at sullivan@fastcompany.com, and follow me on X (formerly Twitter) @thesullivan. Our relationship with AI is changing rapidly Anthropic kicked off 2026 with a bang. It announced Coworker, a new version of its powerful Claude Code coding assistant that’s built for non-developers. As I wrote on January 14, Coworker lets users put AI agents, or teams of agents, to work on complex tasks. It offers all the agentic power of Claude Code while being far more approachable for regular workers (it runs within the Claude chatbot desktop app, not in the terminal as Claude Code does). It also runs at the file system level on the user’s computer, and can access email and third-party work apps such as Teams. Coworker is very likely just the first product of its kind that we’ll see this year. Some have expressed surprise that OpenAI hasn’t already offered such an agentic tool to consumers and enterprises—it probably will, as may Google and Microsoft, in some form. I think we’ll look back at Coworker a year from now and recognize it as a real shift in the way we think about and use AI for our work tasks. AI companies have been talking for a long time about viewing AI as a coworker or “copilot,” but Cowork may make that concept a reality for many nontechnical workers. OpenAI’s ChatGPT, which debuted in late 2022, gave us a mental picture of how consumer AI would look and act. It was just a little dialog box, mainly nonvisual and text-based. This shouldn’t have been too surprising. After all, the chatbot interface was built by a bunch of researchers who spent their careers teaching machines how to understand words and text. Functionally, early chatbots could act like a search engine. They could write or summarize text, or listen to problems and give supportive feedback. But their outputs were driven almost entirely by their pretraining, in which they ingested and processed a compressed version of the entire internet. Using ChatGPT was something like text messaging with a smart and informed friend. Large language models do way, way more than that today. They understand imagery, they reason, they search the web, and call external tools. But the AI labs continue to try to push much of their new functionality through that same chatbot-style interface. It’s time to graduate from that mindset and put more time and effort into meeting human users where they live—that is, delivering intelligence through lots of different interfaces that match the growing number of tasks where AI can be profitably applied. That will begin to happen in 2026. AI will expand into a full workspace, or into a full web browser (à la OpenAI’s Atlas), and will eventually disappear into the operating system. As we saw at this year’s Consumer Electronics Show, it may go further: An AI tool may come wrapped in a cute animal form factor. Interacting with AI will become more flexible, too. You’ll see more AI systems that accept real-time voice input this year. Anthropic added a feature to (desktop) Claude in October that lets users talk to the chatbot in natural language after hitting a keyboard shortcut. And Wispr Flow lets users dictate into any input window by holding down a function key. Signal creator Moxie Marlinspike launches encrypted AI chatbot People talk to AI chatbots about all kinds of things, including some very personal matters. Personally, I hesitate to discuss just anything with a chatbot, because I can’t be sure that my questions and prompts, and the answers the AI gives, won’t somehow be shared with someone who shouldn’t see them. My worry is well-founded, it turns out. Last year a federal court ordered OpenAI to retain all user inputs and AI outputs, because they may be relevant to discovery in a copyright case. And there’s always a possibility that unencrypted conversations stored by an AI company could be stolen as part of a hack. Meanwhile, the conversational nature of chatbots invites users to share more and more personal information, including the sensitive kind. In short, there’s a growing need for provably secure and private AI tools. Now the creator of the popular encrypted messaging platform Signal, who goes by the pseudonym Moxie Marlinspike, has created an end-to-end encrypted AI chatbot called Confer. The new platform protects user prompts and AI responses, and makes it impossible to connect users’ online identities with their real-world ones. Marlinspike told Ars Technica that Confer users have better conversations with the AI because they’re empowered to speak more freely. When I signed up for a Confer account, the first thing the site asked was that I set up a six-digit encryption passkey, which would be stored within the secure element of my computer (or phone), which hackers can’t access. Another key is created for the Confer server, and both keys must match before the user can interact with the chatbot. Confer is powered by open-source AI models it hosts, not by models accessed from a third party. Confer’s developers are serious about supporting sensitive conversations. After I logged in, I saw that Confer displays a few suggested conversations near the input window, such as “practice a difficult conversation,” “negotiate my salary,” and “talk through my mental health.” Google is building the foundations of agentic e-commerce Agents, of course, will do more than work tasks. They’ll be involved in more personal things, too, like online shopping. Right now human shoppers move through a long process of searching, clicking, data input, and payment-making in order to buy something. Merchants and brands hope that AI agents will one day do a lot of that work on the human’s behalf. But for this to work, a whole ecosystem of agents, consumer-shopping sites, and brand back-end systems must be able to exchange information in standardized ways. For example, a consumer might want to use a shopping agent to buy a product that comes up in a Google AI Mode search, so the shopping agent would need to shake hands with the Google platform and the product merchant, and they’d both have to connect through a payment agent in the middle. Google is off to a strong start on building the agentic infrastructure that will make this all work. On January 11, the company announced a new Universal Commerce Protocol (UCP) that creates a common language for consumers, agents, and businesses to ensure that all types of commerce actions are standardized and secure. The protocol relieves all parties involved from having to create an individual agent handshake for every consumer platform and tech partner. UCP now standardizes three key aspects of a transaction: It offers a standard for guaranteeing the identity of the buyer and seller, a standard for the buying workflow, and a standard for the payment, which uses Google’s Agent Payment Protocol (AP2) extension. Vidhya Srinivasan, Google’s VP/GM of Advertising & Commerce, tells Fast Company that this is just the beginning, that the company intends to build out the UCP to support more parts of the sales process, including related-product suggestion and post-purchase support. Google developed UCP with merchant platforms including Shopify, Etsy, Target, and Walmart. UCP is endorsed byAmerican Express, Mastercard, Stripe, Visa, and others. More AI coverage from Fast Company: Why Anthropic’s new ‘Cowork’ could be the first really useful general-purpose AI agent Governments are considering bans on Grok’s app over AI sexual image scandal Docusign’s AI will now help you understand what you’re signing CES 2026: The year AI got serious Want exclusive reporting and trend analysis on technology, business innovation, future of work, and design? Sign up for Fast Company Premium. View the full article