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A California lawmaker has introduced a first-in-the-nation bill meant to ban companies from embedding AI chatbot technology into toys designed for children. Announced on Friday, the measure comes amid growing concerns about the impact of artificial intelligence on child welfare, and a number of local and federal proposals to limit kids’ access to LLM chatbots. This particular legislation would target toys that simulate friendship and companionship through large language technology. For toy manufacturers, LLMs can provide an easy, albeit risky, way of creating a personality for a particular doll or character. AI models aren’t pre-scripted the way most talking toys are — which means toys integrated with the tech can end up sharing all sorts of inappropriate content with a young child. Case in point: Sales for an AI-enabled teddy bear were suspended in November after the toy, when investigated, started talking about sexual role-play and igniting matches. The Senate bill, authored by State Senator Steve Padilla, is designed as a moratorium and would ban, until at least January 1, 2031, the sale of toys that include a “companion chatbot” meant for children 12 and under. The proposal defines a companion chatbot as “an artificial intelligence system with a natural language interface that provides adaptive, human-like responses to user inputs and is capable of meeting a user’s social needs.” The bill also targets chatbot technology designed to support an ongoing bond with a potential child, “including by exhibiting anthropomorphic features and being able to sustain a relationship across multiple interactions.” “Chatbots and other AI tools may become integral parts of our lives in the future, but the dangers they pose now require us to take bold action to protect our children,” Padilla said in a statement. “Our safety regulations around this kind of technology are in their infancy and will need to grow as exponentially as the capabilities of this technology does. … Our children cannot be used as lab rats for Big Tech to experiment on.” It’s not immediately clear whether the bill has legs. But the impact of artificial intelligence on kids has outraged both local and federal lawmakers, and on both sides of the aisle. One bipartisan federal proposal from Missouri Republican Senator Josh Hawley and Connecticut’s Democratic Senator Richard Blumenthal, for instance, would ban the use of AI companions for minors, overall, and punish AI companies that produce content, available to minors, related to sex or soliciting sexual content. Notably, the White House has pushed back on state lawmakers hoping to regulate AI technology. Late last year, President Donald The President signed an executive order that would target states that write their own laws with litigation, and take a series of steps to establish one national approach to AI regulation on topics like child safety and alleged censorship. For now, though, it’s not clear how serious the The President administration’s efforts actually are. Representatives for several organizations focused on digital welfare for kids did not respond to a request for comment on the legislation, which was released the day after New Year’s. View the full article

A definitive move could occur as early as fiscal year 2026 or take until 2033, depending on what the government is willing to do, according to one analyst. View the full article

If you've ever looked into trading in your smartphone for a dumbphone, you might have stumbled across Punkt. The German-based company's MP01 and MP02 phone were purposely not "smart;" rather, they were minimalist slabs of plastic, sporting a tiny display and an array of large, physical buttons. The point of owning a Punkt device isn't to sit scrolling on your smartphone for hours on end; it's to use your phone when you need to—privately, at that. The MP03 looks like any other smartphone at firstThe company's latest phone, the MP03, flips the script a bit. While there's still a focus on privacy and minimalism, this newest device is virtually indistinguishable from other Android smartphones on the market—at least, in outward appearance. Gone are the physical buttons and tiny display; now, you have a large 120Hz OLED display, complete with a selfie camera at the top. Flip the MP03 around, and you'll find a set of four rear cameras, corralled in the top-left corner of the back. Aside from the large "Punkt" logo in the bottom right, this really could be any other phone. What separates the MP03 from phones from Samsung or Motorola is what's on the inside, including, namely, the OS. When you open the phone, you aren't greeted by a grid of app icons and widgets. Instead, you see a list of app and function names, without icons or colors. This is just about as simple an interface as you can expect from a device with a modern smartphone display, which may appeal to those who are looking for a minimalist experience. That's because the MP03 isn't running Android. Like previous Punkt phones, this device runs AphyOS, an operating system built by Apostrophe. This custom OS is advertised as a privacy-focused operating system, something Punkt runs with for the MP03. According to the company, AphysOS can block tracking and profiling tools, and keeps out bloatware, hidden apps, and background services. The OS can also reportedly fight against spying with "hardened code" to block attacks. The company says this new phone separates data and functions in two key "repositories:" First, there's the "Vault," which includes Punkt-approved apps and that minimalist UI. Proton is a trusted company here, so you can expect to find Proton Mail, Proton Calendar, Proton Drive, Proton VPN, and Proton Pass in the Vault. Second, there's "Wild Web," which lets you install any app you want, against a strict system of safeguards and privacy settings. You can choose to download apps from either Punkt's privacy-focused app store, featuring programs approved by both AphyOS and Punkt, as well as a store with "widely available apps." In addition to that display, Punkt says the device comes with other hardware perks, like a 5,200mAh removable battery—a rarity with modern smartphone—IP68 water and dust resistance, and a 64MP camera. Privacy isn't free on the MP03All those features come at a recurring cost, however. After one year, you'll need to pay for AphyOS, which charges $10 per month. You can also choose to subscribe for three years for $129 ($5.38 per month), or five years for $199 ($4.15 per month). The phone itself costs $699, which is relatively expensive for a phone of this caliber, so whether or not the privacy and minimalism perks are worth the price will really come down to the individual customer. (I'm a huge privacy advocate, but the MP03 would definitely need to impress me before I commit to a subscription model for its OS.) If you don't want a new phone, there are hacks to dumb down your existing device into something more minimal—and, of course, there are steps you can take to protect your privacy on any device. The MP03 isn't available yet. Punkt announced the new phone ahead of CES next week, and says the new device will launch in North America this spring. Pre-orders are currently available in Europe. View the full article

For many Americans, 2025 wasn’t a great year financially. The affordability crisis and general economic concerns became defining themes of the year as people dealt with rising costs and a worsening job market. But for billionaires, 2025 was a boon to their already exuberant wealth. The 15 richest billionaires in the United States saw their wealth grow by more than $1 trillion over the course of the year, according to a new analysis from the Institute for Policy Studies, a Washington, D.C., think tank. As of the end of 2025, those 15 billionaires—each with assets over $100 billion—have a combined wealth of $3.2 trillion, up from $2.4 trillion a year ago. That’s a gain of 33%, which is more than double the growth of the S&P 500 in the same time period, the Institute for Policy Studies notes. Over 2025, the S&P 500 rose 16%. (A double-digit gain is strong, but it is down from recent years; the S&P 500 returned 23% in 2024, and 24% in 2023.) How the wealth of the top 5 richest billionaires has changed Not only did billionaires get richer in 2025, but more Americans became billionaires. At the end of 2024, there were 813 billionaires in the U.S., according to an Institute for Policy Studies analysis of Forbes data. Those billionaires had a combined wealth of $6.72 trillion. By the end of 2025, there were 935 billionaires in the U.S., and their combined wealth totaled $8.1 trillion. When Forbes first began tracking the 400 wealthiest Americans in 1982, there were just 13 billionaires on the list. The top five wealthiest billionaires have changed over the last year, too. At the beginning of 2025, the top wealthiest billionaires were Tesla CEO Elon Musk, Amazon executive chair Jeff Bezos, Oracle cofounder Larry Ellison, Meta CEO Mark Zuckerberg, and Google cofounder Larry Page. This year, Zuckerberg was bumped off that list, and Google cofounder Sergey Brin joined its ranks; 2025 was the best year for Google’s stock since 2009, with shares growing 65%, buoyed in part by the tech giant’s push into artificial intelligence. In contrast, the stock price for Zuckerberg’s Meta Platforms grew about 13%. Though Meta also focused on AI, its strategy was more “scattershot,” experts have said, leading to internal confusion and the tech company falling behind other AI leaders. In its analysis, the Institute for Policy Studies broke down the current top five billionaires, and how their wealth increased from January 1, 2025, to January 1, 2026. They are: Elon Musk of Tesla, X, and SpaceX: worth $726 billion, up from $421 billion a year ago Larry Page of Google: worth $257 billion, up from $156 billion a year ago Larry Ellison of Oracle: worth $245.billion, up from $209 billion a year ago Jeff Bezos of Amazon: worth $242.billion, up from $233.5 billion a year ago Sergey Brin of Google: worth $237 billion, up from $148.9 billion a year ago The rich got even richer all around the world. According to a Bloomberg analysis, global billionaire wealth increased $2.2 trillion. (That analysis was released several days before December 31.) An affordability crisis for average Americans This stark increase in wealth among the already wealthy comes as many Americans are struggling with affordability. Nearly half of Americans surveyed in a November 2025 Politico poll said they find it difficult to afford groceries, utility bills, healthcare, housing, and transportation. Last year was filled with stories about grocery prices increasing, utility bills skyrocketing, and healthcare premiums surging ahead of the expiration of Affordable Care Act (ACA) subsidies. This crisis is expected to get even worse, experts say, as cuts to programs like Medicaid and food stamps will take effect in 2026. Those cuts are part of President The President’s budget bill, which he called the “Big Beautiful Bill” and signed into law 2025. The cost-of-living crisis has led to a new public focus on both affordability and wealth inequality. That was seen in the election victory of Zohran Mamdani, who was sworn in as New York City mayor on January 1. Mamdani campaigned on making New York more affordable, and received notable support from public figures including Sen. Bernie Sanders of Vermont and former Secretary of Labor Robert Reich, both of whom have frequently criticized billionaires. More everyday Americans seem to be paying attention to inequality and criticizing billionaires, too. In a 2025 Harris Poll, nearly three-quarters of Americans said wealth inequality is a serious national issue, and 67% said billionaires are “creating more of an unfair society.” View the full article

America’s National Parks offer some of the country’s most impressive vistas – and that fact draws hundreds of millions of people to the parks each year. But more changes are on the way for the National Parks in 2026 and visitors aren’t likely to be happy with all of them. Anyone traveling to visit a destination that’s part of the park system — especially from abroad — should expect to see an array of new policies implemented under the The President administration, which already made sweeping cuts to the parks budget and began to weave its “America first” agenda into some of the country’s most cherished places in 2025. On some level, the The President administration is trying to reshape the National Parks system into a microcosm of its own ideology, with perks for Americans, higher costs for everyone else, and a new aesthetic that puts a very specific idea of patriotism at its center. Entry changes on the way this year Starting in 2026, the parks will offer more dates with free entry for visitors, but only U.S. residents will get in for free. The The President administration will remove existing free admission dates on Martin Luther King Jr. Day and Juneteenth, while adding a new holiday for President The President’s birthday. The new “patriotic fee-free” dates, are as follows: President’s Day (February 16, 2026) Memorial Day (May 25, 2026) Flag Day/President The President’s birthday (June 14, 2026) Independence Day weekend (July 3–5, 2026) 110th Birthday of the National Park Service (August 25, 2026) Constitution Day (Sept. 17, 2026) Theodore Roosevelt’s birthday (Oct. 27, 2026) Veteran’s Day (November 11, 2026) For days with normal admission, entry into the parks can be obtained through a day pass (previously $35 or less for a vehicle with a lower cost for visitors without a car) or with the annual America the Beautiful pass. While some parks don’t charge admission at all, the most visited parks do and that’s where park visitors are likely to notice the changes. In many instances, day pass pricing will go up for non-U.S. residents, who will now need to pay $100 per person to get into 11 of the most popular parks. Parks with higher day fees starting this year are Acadia, Bryce Canyon, Everglades, Glacier, Grand Canyon, Grand Teton, Rocky Mountain, Sequoia and Kings Canyon, Yellowstone, Yosemite and Zion National Parks. The annual pass will continue to cost $80 for U.S. residents, but the price will shoot up to $250 for visitors who don’t live in the U.S. “President The President’s leadership always puts American families first,” Secretary of the Interior Doug Burgum said. “These policies ensure that U.S. taxpayers, who already support the National Park System, continue to enjoy affordable access, while international visitors contribute their fair share to maintaining and improving our parks for future generations.” Motorcycle riders will also get special status under the 2026 changes. Starting this year, one annual pass covers entry for two motorcycles, “making national park adventures more accessible for riders and families who travel on two wheels.” While that news is a boon for motorcyclists, it may also put an additional burden on parks where two-wheeled accidents are common. Because many of America’s most beautiful places also feature winding roads, dramatic cliffs and quick-changing weather, motorcycle accidents feature prominently in the incident reports that track injuries and fatalities in the National Parks. Changing a well-loved design to be “patriotic” Controversially, the administration will also change the design for the annual passes, which traditionally feature animals and nature scenes showcasing a particular park’s natural beauty. This year, the The President administration will introduce “new, modernized graphics for all annual passes, featuring bold, patriotic designs,” a change that has many annual passholders on social media brainstorming workarounds to avoid a possible The President-centric design, including vinyl stickers that raise money for the National Parks Foundation. Many annual parks pass holders, author included, collect the passes from year to year and enjoy discovering each year’s fresh nature design. The look and price of the annual pass isn’t the only thing changing. This year will be the first to introduce a digital version of the America the Beautiful pass. The system previously relied on National Parks visitors holding onto a credit card-sized pass for a full calendar year, with little recourse if they misplaced it. The digital pass option, new designs notwithstanding, is one of the only new pass changes that even The President’s critics will probably appreciate in 2026. Many changes already swept the National Parks in 2025 2025 was a year of dramatic change to the National Parks system, which is still reeling from the government shutdown, budget cuts and additional strain to its already tight resources. In March, the The President administration directed the U.S. Department of the Interior to remove any displayed signage, books, monuments or installations that “inappropriately disparage Americans, past or living.” In an executive order, the The President administration claimed that a “corrosive ideology” spread by political opponents like the Biden administration unfairly painted a picture of America as “inherently racist, sexist, oppressive, or otherwise irredeemably flawed.” Instead of capturing accurate historical accounts that place the national parks into context, the The President administration prioritizes painting America in a positive light and glossing over the more complex human story of many of the country’s most beautiful places, which often sit on land once occupied by Native American tribes. A rocky year for parks employees New policies reshaping the National Parks in 2026 may do little to address the underlying problems the NPS faces, many of which have been worsened by the The President administration itself. An investigation by The New York Times found that over 90 National Parks reported problems between April and July 2025 related to federal budget cuts, staff departures and a freeze on hiring. Those problems include reduced visitor center hours, skipped visitor fees, vanishing educational programming and even dirtier bathrooms, as a smaller parks workforce is spread even thinner than before. Since The President took office, the NPS has lost a quarter of its permanent workers, including many who accepted the administration’s buyout offer for federal employees. At least 20 percent of the national parks were understaffed or significantly strained in 2025, according to internal interior department data obtained by the Times. Many parks also face other serious issues that could impact visitor safety, including a growing backlog of trail maintenance tasks and a reduced emergency services response — a risky proposition in some of America’s wildest landscapes. Outgoing director of the National Park Service Charles F. “Chuck” Sams, the first Native American named to lead the NPS, expressed deep concern about the impact on park staff in an interview with Underscore Native News early this year. “How can the national parks be healthy and happy if their staff are not healthy and happy?” Sams asked. “I have great concerns for the staff of the National Park Service. You can feel their angst, their confusion and their frustration and their anger.” View the full article

The Federal Home Loan Bank of Chicago will be offering more funding and higher per-member limits as part of its 2026 Community Advance program. View the full article

An employee handbook serves as an important resource for any organization, outlining key components that shape workplace culture. It includes a company overview, employment policies, and a code of conduct, among other critical elements. Comprehending these components guarantees both employee engagement and compliance with company standards. As you explore these fundamental elements, you’ll find that each one plays a significant role in creating a harmonious work environment. What other aspects should you consider for your handbook? Key Takeaways A clear overview of the company, including its mission, values, and organizational structure, sets the foundation for employee understanding. Comprehensive employment policies ensure a respectful environment and provide guidelines for non-discrimination and grievance resolution. The code of conduct outlines expected workplace behavior, emphasizing professionalism, ethics, and procedures for reporting violations. Detailed compensation, benefits, and leave policies inform employees about pay structure, PTO, and rights during absences. Performance evaluation and employee development sections highlight the importance of feedback, goal setting, and opportunities for growth within the company. Company Overview The company overview serves as a foundational element of our employee handbook, providing key insights into our organization. It outlines our brief history, detailing the founding year and significant milestones that mark our evolution. Your grasp of our mission statement is essential, as it defines our purpose and the value we aim to deliver to customers and stakeholders. We also emphasize our core values, which shape our company culture and guide your behavior and decision-making. To help you navigate the organizational structure, an accompanying chart illustrates reporting lines and department functions, clarifying how we operate. Furthermore, our vision for the future highlights long-term goals that align with our mission and values. For further reference, you might find employee handbook examples pdf or an employee handbook template pdf useful for extra insights into creating thorough overviews. This company overview is important for nurturing a shared comprehension among all employees. Employment Policies In every workplace, clear employment policies are essential for creating a fair and respectful environment. You need to understand the non-discrimination policies that protect you from bias based on age, gender, race, religion, or disability, ensuring everyone has an equal opportunity. Furthermore, knowing the grievance reporting procedures allows you to address any concerns effectively, nurturing a culture where issues are resolved swiftly and fairly. Non-discrimination Policies Non-discrimination policies play a crucial role in creating an equitable workplace where everyone has the opportunity to succeed, regardless of their background. These policies guarantee all employment practices, such as hiring, promotions, and terminations, are free from bias based on race, color, religion, sex, national origin, age, disability, or genetic information. Your company is committed to equal employment opportunities and supports a culture of diversity and inclusion. Regular training is mandated to improve awareness of these issues, and violations can lead to disciplinary action, including termination. Employment Practice Protected Characteristics Training Requirement Hiring Race, Color, Religion Annual Workshops Promotions Sex, National Origin Monthly Meetings Terminations Age, Disability Online Modules All Practices Genetic Information Ongoing Education Reporting Grievance Procedures When you encounter a workplace grievance, it’s important to know how to report it effectively to guarantee a proper resolution. Start by using the established channels, such as contacting a designated HR representative or your supervisor. Timeliness matters; many companies require you to submit complaints within a specific timeframe from the incident. The grievance procedure usually begins with an informal discussion, and if unresolved, you can file a formal written complaint. Be sure to provide detailed descriptions, including dates, witnesses, and relevant documentation to support your claims. Code of Conduct The Code of Conduct outlines what’s expected from you regarding workplace behavior, emphasizing professionalism and respect in all interactions. It likewise includes guidelines for professional ethics, ensuring everyone upholds the company’s values. If you witness any violations, there are clear procedures in place for reporting them, promoting a culture of accountability and transparency. Workplace Behavior Expectations Establishing a clear Code of Conduct is essential for encouraging a professional and respectful workplace environment. You’re expected to adhere to specific guidelines that promote collaboration and respect among colleagues. This includes following a dress code that reflects our company’s values and improves our professional image. Policies against discrimination and harassment are strictly enforced, ensuring a safe and inclusive workplace for everyone. Furthermore, you must use the internet and email responsibly, avoiding inappropriate websites and protecting data privacy. Be aware that violations of the Code of Conduct can lead to disciplinary actions, highlighting the importance of maintaining ethical standards and workplace integrity. Professional Ethics Guidelines Maintaining a professional atmosphere requires adherence to a well-defined Code of Conduct that outlines the ethical standards expected from every employee. This Code establishes clear expectations for professional behavior, ensuring you maintain integrity and respect in all workplace interactions. You’re expected to follow dress code and grooming standards, which reflect the company’s professionalism and brand image. Policies against substance abuse and smoking are enforced to promote a healthy and safe working environment for all staff members. Furthermore, guidelines on the appropriate use of company technology, including internet and email usage, protect sensitive information and uphold data privacy. Reporting Violations Procedures Reporting any violations of the Code of Conduct is crucial to promoting a respectful and safe workplace. You’re encouraged to report any concerns immediately through designated channels, which may include your direct supervisor, HR representative, or an anonymous reporting system if available. We’ll investigate all reports thoroughly and confidentially, taking steps to protect your identity whenever possible. It’s important to note that retaliation against anyone who reports a violation or participates in an investigation is strictly prohibited and can result in disciplinary action. Clear documentation of reported incidents and the investigation process is fundamental for ensuring accountability and compliance with company policies. Your proactive involvement helps maintain a positive work environment for everyone. Compensation and Benefits Compensation and benefits play a vital role in your overall employment experience, impacting both your financial well-being and job satisfaction. Your employee handbook should clearly outline the pay structure, including salary ranges, pay periods, and overtime compensation policies in line with labor laws. You’re entitled to an extensive benefits package, which may include health insurance, dental coverage, retirement plans, and life insurance, with specific details on eligibility and enrollment procedures. Paid Time Off (PTO) policies should specify accrual rates for vacation, sick leave, and personal days, along with guidelines for requesting and scheduling time off. In addition, the handbook must include information on performance reviews and potential salary increases, detailing the criteria for bonuses and incentives based on individual and company performance. It’s also important to understand your rights regarding benefits during leaves of absence, including how such leaves may affect your benefits and employment status. Work Schedule and Attendance In the workplace, maintaining punctuality and following your assigned schedule is essential for both efficiency and teamwork. You need to be aware of the timekeeping procedures, which include reporting any absences or tardiness to your supervisor as soon as you can. Furthermore, make sure to understand the process for requesting time off, as proper communication helps keep operations running smoothly. Attendance Expectations Attendance expectations are a fundamental aspect of workplace professionalism and team dynamics. You’re expected to follow a regular work schedule, typically 40 hours a week, with specific start and end times set by management. Punctuality is essential, so be sure to arrive on time and inform your supervisor ahead of any anticipated absences or delays. Accurate clocking in and out is mandatory, and you’re entitled to scheduled breaks, including a 30-minute meal break for shifts over six hours. Consistent attendance is crucial for team productivity; excessive absenteeism could impact your performance evaluations and may lead to disciplinary action. Attendance Aspect Expectations Notes Work Hours Typically 40 hours per week Start and end times set by management Punctuality Arrive on time Notify supervisor of delays/absences Breaks 30-minute meal break For shifts over six hours Attendance Tracking Clock in and out accurately Mandatory for all shifts Absenteeism Consequences May lead to performance evaluations Possible disciplinary action Timekeeping Procedures Timekeeping procedures are a vital part of maintaining workplace efficiency and ensuring compliance with company policies. You’re required to accurately record your hours worked using the designated timekeeping system, which helps comply with labor regulations. Regular working hours are typically from 9:00 AM to 5:00 PM, Monday through Friday, with a one-hour unpaid lunch break included. Attendance is closely monitored, so if you’re ever late or absent, report it to your supervisor as soon as possible, following the established notification procedures. If you need to work overtime, get prior approval from your supervisor; you’ll be compensated according to the company’s overtime pay policy. Remember, failing to adhere to these timekeeping procedures may lead to disciplinary action, affecting your pay and performance evaluations. Performance Evaluation Performance evaluations serve as a crucial component of your professional development within the organization, as they provide structured feedback on your performance and help align your goals with the company’s objectives. Typically conducted annually, these evaluations assess you against established performance metrics and organizational goals. Criteria may include job-specific competencies, teamwork, communication skills, and how well you adhere to company values. It’s encouraged that you engage in goal-setting discussions with your supervisor to guarantee your personal objectives align with company expectations. Feedback from these evaluations can considerably influence your career progression, affecting promotions, salary increases, and professional development opportunities. To cultivate ongoing communication and support, regular check-ins and informal feedback sessions are recommended throughout the evaluation period. This proactive approach helps create a continuous dialogue, making sure you’re consistently aware of your performance and how it aligns with the organization’s needs. Leave Policies Leave policies are essential for outlining your rights and responsibilities regarding time away from work. Typically, vacation time accrual allows you to earn a specified number of days each year, depending on your length of service and employment classification. Sick leave policies often require a doctor’s note after a certain number of consecutive days absent because of illness, ensuring accountability. Paid time off (PTO) policies may combine vacation, sick, and personal leave into one pool, offering you flexibility in how you use your time off. Under the Family and Medical Leave Act (FMLA), eligible employees can take up to 12 weeks of unpaid leave for specific family and medical reasons while maintaining job protection. Furthermore, the handbook should clearly list holidays observed by the company, including any relevant compensation for employees required to work on those days. Comprehending these policies helps you plan your time away effectively. Health and Safety Maintaining a safe and healthy workplace is as important as comprehending your leave policies. The company follows the Occupational Safety and Health Administration (OSHA) regulations to guarantee a secure environment for everyone. It’s essential that you report any accidents, injuries, or hazards to your supervisor without delay. This helps us investigate and resolve issues swiftly. We’ve established designated gathering points for emergency evacuations, ensuring your safety and accountability during such events. To keep you informed, we conduct regular safety training sessions covering best practices and procedures. You likewise have access to resources about workplace safety protocols and emergency preparedness plans. Action Responsibility Frequency Report hazards Employee Immediately Safety training Company Quarterly Emergency drills Company Annually Review safety policies Employee and Supervisor Biannually Understanding these elements is vital for your safety at work. Employee Development Employee development is fundamental for nurturing a culture of continuous growth and advancement within the organization. Effective employee development programs should include training, mentorship, and skill improvement opportunities. When organizations invest in these initiatives, they often see a 24% increase in productivity and a 37% boost in employee engagement. Regular performance evaluations and feedback are critical for identifying development needs and aligning individual goals with the company’s objectives. Additionally, providing access to continuing education resources such as workshops and online courses can greatly improve job satisfaction and retention rates. It’s important to encourage your participation in professional development initiatives since 76% of employees believe personal growth is indispensable for job satisfaction. Technology and Data Security In today’s digital environment, comprehending technology and data security is crucial for protecting both company information and personal data. You’re required to use strong, unique passwords for accessing company systems, and you must change them regularly to improve security. All company-owned devices should have up-to-date antivirus software and security patches to guard against cyber threats. When using personal devices at work, follow established protocols to guarantee any access to company data meets necessary security standards. If you suspect a data breach, report it immediately to the IT department to help mitigate potential damage. Additionally, always store confidential information securely and share it only through approved channels. This practice prevents unauthorized access and guarantees compliance with data protection regulations. Frequently Asked Questions What Should an Employee Handbook Contain? An employee handbook should contain crucial information that guides workplace behavior and expectations. It should include the company’s mission and core values, employment policies, and non-discrimination measures for a safe work environment. You’ll find details on compensation, benefits, and leave policies, specifying accrual rates and procedures. Furthermore, a thorough code of conduct outlines behavior expectations and consequences for violations, ensuring a professional and respectful workplace for all employees. What Not to Put in an Employee Handbook? You shouldn’t include overly specific job descriptions in your employee handbook, as they can restrict flexibility. Avoid listing company policies that aren’t legally compliant, since that exposes your organization to liability. Don’t clutter the handbook with minor procedures or guidelines, which can distract from crucial policies. It’s additionally wise to exclude personal opinions or outdated information, as these can create confusion and diminish the handbook’s credibility among employees. Which of the Following Are Typically Contained in an Employee Handbook? Typically, an employee handbook contains vital information about a company’s mission statement, values, and culture. You’ll find detailed employment policies, including anti-discrimination and harassment guidelines, to promote a safe workplace. Compensation and benefits details, such as salary structures and paid time off policies, are imperative. Furthermore, performance evaluation processes outline expectations for growth, as safety protocols guarantee compliance with legal requirements and secure working conditions. How Detailed Should a Handbook Be? A handbook should be detailed enough to cover key policies and procedures without overwhelming you. Aim for 20 to 50 pages, focusing on clarity and accessibility. Include sections on employment rights, conduct, and leave policies, and use straightforward language. Regular updates are essential to keep it relevant, reflecting changes in laws and company practices. Providing examples and scenarios can improve your comprehension, ensuring compliance and reducing ambiguity in important areas. Conclusion In conclusion, an effective employee handbook is essential for establishing a transparent and productive workplace. By including key elements like the company overview, employment policies, and codes of conduct, you create a framework that promotes fairness and accountability. Furthermore, addressing compensation, leave policies, and employee development opportunities guarantees that all employees understand their rights and responsibilities. A well-structured handbook not just cultivates a positive culture but also improves compliance and engagement across the organization. Image via Google Gemini This article, "10 Essential Elements in an Employee Handbook Sample" was first published on Small Business Trends View the full article

An employee handbook serves as an important resource for any organization, outlining key components that shape workplace culture. It includes a company overview, employment policies, and a code of conduct, among other critical elements. Comprehending these components guarantees both employee engagement and compliance with company standards. As you explore these fundamental elements, you’ll find that each one plays a significant role in creating a harmonious work environment. What other aspects should you consider for your handbook? Key Takeaways A clear overview of the company, including its mission, values, and organizational structure, sets the foundation for employee understanding. Comprehensive employment policies ensure a respectful environment and provide guidelines for non-discrimination and grievance resolution. The code of conduct outlines expected workplace behavior, emphasizing professionalism, ethics, and procedures for reporting violations. Detailed compensation, benefits, and leave policies inform employees about pay structure, PTO, and rights during absences. Performance evaluation and employee development sections highlight the importance of feedback, goal setting, and opportunities for growth within the company. Company Overview The company overview serves as a foundational element of our employee handbook, providing key insights into our organization. It outlines our brief history, detailing the founding year and significant milestones that mark our evolution. Your grasp of our mission statement is essential, as it defines our purpose and the value we aim to deliver to customers and stakeholders. We also emphasize our core values, which shape our company culture and guide your behavior and decision-making. To help you navigate the organizational structure, an accompanying chart illustrates reporting lines and department functions, clarifying how we operate. Furthermore, our vision for the future highlights long-term goals that align with our mission and values. For further reference, you might find employee handbook examples pdf or an employee handbook template pdf useful for extra insights into creating thorough overviews. This company overview is important for nurturing a shared comprehension among all employees. Employment Policies In every workplace, clear employment policies are essential for creating a fair and respectful environment. You need to understand the non-discrimination policies that protect you from bias based on age, gender, race, religion, or disability, ensuring everyone has an equal opportunity. Furthermore, knowing the grievance reporting procedures allows you to address any concerns effectively, nurturing a culture where issues are resolved swiftly and fairly. Non-discrimination Policies Non-discrimination policies play a crucial role in creating an equitable workplace where everyone has the opportunity to succeed, regardless of their background. These policies guarantee all employment practices, such as hiring, promotions, and terminations, are free from bias based on race, color, religion, sex, national origin, age, disability, or genetic information. Your company is committed to equal employment opportunities and supports a culture of diversity and inclusion. Regular training is mandated to improve awareness of these issues, and violations can lead to disciplinary action, including termination. Employment Practice Protected Characteristics Training Requirement Hiring Race, Color, Religion Annual Workshops Promotions Sex, National Origin Monthly Meetings Terminations Age, Disability Online Modules All Practices Genetic Information Ongoing Education Reporting Grievance Procedures When you encounter a workplace grievance, it’s important to know how to report it effectively to guarantee a proper resolution. Start by using the established channels, such as contacting a designated HR representative or your supervisor. Timeliness matters; many companies require you to submit complaints within a specific timeframe from the incident. The grievance procedure usually begins with an informal discussion, and if unresolved, you can file a formal written complaint. Be sure to provide detailed descriptions, including dates, witnesses, and relevant documentation to support your claims. Code of Conduct The Code of Conduct outlines what’s expected from you regarding workplace behavior, emphasizing professionalism and respect in all interactions. It likewise includes guidelines for professional ethics, ensuring everyone upholds the company’s values. If you witness any violations, there are clear procedures in place for reporting them, promoting a culture of accountability and transparency. Workplace Behavior Expectations Establishing a clear Code of Conduct is essential for encouraging a professional and respectful workplace environment. You’re expected to adhere to specific guidelines that promote collaboration and respect among colleagues. This includes following a dress code that reflects our company’s values and improves our professional image. Policies against discrimination and harassment are strictly enforced, ensuring a safe and inclusive workplace for everyone. Furthermore, you must use the internet and email responsibly, avoiding inappropriate websites and protecting data privacy. Be aware that violations of the Code of Conduct can lead to disciplinary actions, highlighting the importance of maintaining ethical standards and workplace integrity. Professional Ethics Guidelines Maintaining a professional atmosphere requires adherence to a well-defined Code of Conduct that outlines the ethical standards expected from every employee. This Code establishes clear expectations for professional behavior, ensuring you maintain integrity and respect in all workplace interactions. You’re expected to follow dress code and grooming standards, which reflect the company’s professionalism and brand image. Policies against substance abuse and smoking are enforced to promote a healthy and safe working environment for all staff members. Furthermore, guidelines on the appropriate use of company technology, including internet and email usage, protect sensitive information and uphold data privacy. Reporting Violations Procedures Reporting any violations of the Code of Conduct is crucial to promoting a respectful and safe workplace. You’re encouraged to report any concerns immediately through designated channels, which may include your direct supervisor, HR representative, or an anonymous reporting system if available. We’ll investigate all reports thoroughly and confidentially, taking steps to protect your identity whenever possible. It’s important to note that retaliation against anyone who reports a violation or participates in an investigation is strictly prohibited and can result in disciplinary action. Clear documentation of reported incidents and the investigation process is fundamental for ensuring accountability and compliance with company policies. Your proactive involvement helps maintain a positive work environment for everyone. Compensation and Benefits Compensation and benefits play a vital role in your overall employment experience, impacting both your financial well-being and job satisfaction. Your employee handbook should clearly outline the pay structure, including salary ranges, pay periods, and overtime compensation policies in line with labor laws. You’re entitled to an extensive benefits package, which may include health insurance, dental coverage, retirement plans, and life insurance, with specific details on eligibility and enrollment procedures. Paid Time Off (PTO) policies should specify accrual rates for vacation, sick leave, and personal days, along with guidelines for requesting and scheduling time off. In addition, the handbook must include information on performance reviews and potential salary increases, detailing the criteria for bonuses and incentives based on individual and company performance. It’s also important to understand your rights regarding benefits during leaves of absence, including how such leaves may affect your benefits and employment status. Work Schedule and Attendance In the workplace, maintaining punctuality and following your assigned schedule is essential for both efficiency and teamwork. You need to be aware of the timekeeping procedures, which include reporting any absences or tardiness to your supervisor as soon as you can. Furthermore, make sure to understand the process for requesting time off, as proper communication helps keep operations running smoothly. Attendance Expectations Attendance expectations are a fundamental aspect of workplace professionalism and team dynamics. You’re expected to follow a regular work schedule, typically 40 hours a week, with specific start and end times set by management. Punctuality is essential, so be sure to arrive on time and inform your supervisor ahead of any anticipated absences or delays. Accurate clocking in and out is mandatory, and you’re entitled to scheduled breaks, including a 30-minute meal break for shifts over six hours. Consistent attendance is crucial for team productivity; excessive absenteeism could impact your performance evaluations and may lead to disciplinary action. Attendance Aspect Expectations Notes Work Hours Typically 40 hours per week Start and end times set by management Punctuality Arrive on time Notify supervisor of delays/absences Breaks 30-minute meal break For shifts over six hours Attendance Tracking Clock in and out accurately Mandatory for all shifts Absenteeism Consequences May lead to performance evaluations Possible disciplinary action Timekeeping Procedures Timekeeping procedures are a vital part of maintaining workplace efficiency and ensuring compliance with company policies. You’re required to accurately record your hours worked using the designated timekeeping system, which helps comply with labor regulations. Regular working hours are typically from 9:00 AM to 5:00 PM, Monday through Friday, with a one-hour unpaid lunch break included. Attendance is closely monitored, so if you’re ever late or absent, report it to your supervisor as soon as possible, following the established notification procedures. If you need to work overtime, get prior approval from your supervisor; you’ll be compensated according to the company’s overtime pay policy. Remember, failing to adhere to these timekeeping procedures may lead to disciplinary action, affecting your pay and performance evaluations. Performance Evaluation Performance evaluations serve as a crucial component of your professional development within the organization, as they provide structured feedback on your performance and help align your goals with the company’s objectives. Typically conducted annually, these evaluations assess you against established performance metrics and organizational goals. Criteria may include job-specific competencies, teamwork, communication skills, and how well you adhere to company values. It’s encouraged that you engage in goal-setting discussions with your supervisor to guarantee your personal objectives align with company expectations. Feedback from these evaluations can considerably influence your career progression, affecting promotions, salary increases, and professional development opportunities. To cultivate ongoing communication and support, regular check-ins and informal feedback sessions are recommended throughout the evaluation period. This proactive approach helps create a continuous dialogue, making sure you’re consistently aware of your performance and how it aligns with the organization’s needs. Leave Policies Leave policies are essential for outlining your rights and responsibilities regarding time away from work. Typically, vacation time accrual allows you to earn a specified number of days each year, depending on your length of service and employment classification. Sick leave policies often require a doctor’s note after a certain number of consecutive days absent because of illness, ensuring accountability. Paid time off (PTO) policies may combine vacation, sick, and personal leave into one pool, offering you flexibility in how you use your time off. Under the Family and Medical Leave Act (FMLA), eligible employees can take up to 12 weeks of unpaid leave for specific family and medical reasons while maintaining job protection. Furthermore, the handbook should clearly list holidays observed by the company, including any relevant compensation for employees required to work on those days. Comprehending these policies helps you plan your time away effectively. Health and Safety Maintaining a safe and healthy workplace is as important as comprehending your leave policies. The company follows the Occupational Safety and Health Administration (OSHA) regulations to guarantee a secure environment for everyone. It’s essential that you report any accidents, injuries, or hazards to your supervisor without delay. This helps us investigate and resolve issues swiftly. We’ve established designated gathering points for emergency evacuations, ensuring your safety and accountability during such events. To keep you informed, we conduct regular safety training sessions covering best practices and procedures. You likewise have access to resources about workplace safety protocols and emergency preparedness plans. Action Responsibility Frequency Report hazards Employee Immediately Safety training Company Quarterly Emergency drills Company Annually Review safety policies Employee and Supervisor Biannually Understanding these elements is vital for your safety at work. Employee Development Employee development is fundamental for nurturing a culture of continuous growth and advancement within the organization. Effective employee development programs should include training, mentorship, and skill improvement opportunities. When organizations invest in these initiatives, they often see a 24% increase in productivity and a 37% boost in employee engagement. Regular performance evaluations and feedback are critical for identifying development needs and aligning individual goals with the company’s objectives. Additionally, providing access to continuing education resources such as workshops and online courses can greatly improve job satisfaction and retention rates. It’s important to encourage your participation in professional development initiatives since 76% of employees believe personal growth is indispensable for job satisfaction. Technology and Data Security In today’s digital environment, comprehending technology and data security is crucial for protecting both company information and personal data. You’re required to use strong, unique passwords for accessing company systems, and you must change them regularly to improve security. All company-owned devices should have up-to-date antivirus software and security patches to guard against cyber threats. When using personal devices at work, follow established protocols to guarantee any access to company data meets necessary security standards. If you suspect a data breach, report it immediately to the IT department to help mitigate potential damage. Additionally, always store confidential information securely and share it only through approved channels. This practice prevents unauthorized access and guarantees compliance with data protection regulations. Frequently Asked Questions What Should an Employee Handbook Contain? An employee handbook should contain crucial information that guides workplace behavior and expectations. It should include the company’s mission and core values, employment policies, and non-discrimination measures for a safe work environment. You’ll find details on compensation, benefits, and leave policies, specifying accrual rates and procedures. Furthermore, a thorough code of conduct outlines behavior expectations and consequences for violations, ensuring a professional and respectful workplace for all employees. What Not to Put in an Employee Handbook? You shouldn’t include overly specific job descriptions in your employee handbook, as they can restrict flexibility. Avoid listing company policies that aren’t legally compliant, since that exposes your organization to liability. Don’t clutter the handbook with minor procedures or guidelines, which can distract from crucial policies. It’s additionally wise to exclude personal opinions or outdated information, as these can create confusion and diminish the handbook’s credibility among employees. Which of the Following Are Typically Contained in an Employee Handbook? Typically, an employee handbook contains vital information about a company’s mission statement, values, and culture. You’ll find detailed employment policies, including anti-discrimination and harassment guidelines, to promote a safe workplace. Compensation and benefits details, such as salary structures and paid time off policies, are imperative. Furthermore, performance evaluation processes outline expectations for growth, as safety protocols guarantee compliance with legal requirements and secure working conditions. How Detailed Should a Handbook Be? A handbook should be detailed enough to cover key policies and procedures without overwhelming you. Aim for 20 to 50 pages, focusing on clarity and accessibility. Include sections on employment rights, conduct, and leave policies, and use straightforward language. Regular updates are essential to keep it relevant, reflecting changes in laws and company practices. Providing examples and scenarios can improve your comprehension, ensuring compliance and reducing ambiguity in important areas. Conclusion In conclusion, an effective employee handbook is essential for establishing a transparent and productive workplace. By including key elements like the company overview, employment policies, and codes of conduct, you create a framework that promotes fairness and accountability. Furthermore, addressing compensation, leave policies, and employee development opportunities guarantees that all employees understand their rights and responsibilities. A well-structured handbook not just cultivates a positive culture but also improves compliance and engagement across the organization. Image via Google Gemini This article, "10 Essential Elements in an Employee Handbook Sample" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. Clicks, the company behind those physical keyboard cases for your smartphone, has announced a new device, but it'll look pretty familiar to anyone who's used a Blackberry before. It's called the Clicks Communicator, and it's a pocketable little handset that's perfect for anyone who misses having physical buttons on their phone. It comes with a full, old-school style QWERTY keyboard and runs Android 16, and while you can pump it full of apps and use it standalone, Clicks says it expects many of its customers will prefer to use it as a minimalistic companion to a primary smartphone. In that way, this device is designed to be your secondary smartphone, where you only load it with the apps you need at a moments notice and use it to quickly reply to your messages, emails, and other important notifications. The Clicks Communicator is a modern Blackberry Credit: Clicks One of the headlining features of the Clicks Communicator is the Signal LED, which is a notification light around the side button. You can set it to light up with a different color based on who's pinged you or which apps are sending you notifications, so you can know what needs your attention first without having to scroll through a long series of notification boxes. For instance, you could set up a green LED for notifications from people you care about, and use other colors for different apps. I'm not entirely sure how this'll play out in practice, because I do worry that I'll forget which color is for what after a point. Fortunately, Clicks says you can also turn off the Signal LED if it's not useful for you (and yes, there will still be traditional notification boxes if you need them). As for the core experience, in line with its design philosophy, the company has chosen not to show you an app grid when you go to the home screen. In collaboration with Niagara Launcher, Click has instead built a messaging hub, which shows you all your pending alerts on the home screen, grouped by app. You can use the keyboard to triage these messages or to reply to individual chats, the company says. There's also a lot of emphasis on the keyboard, as is expected from a company that went viral by launching a physical keyboard case for touchscreen phones. Clicks says the keys on the Communicator are bigger and better than those on its keyboard case. There's a red Clicks key on the keypad, which you can use to launch custom shortcuts. The Spacebar has a built-in fingerprint sensor, which could be handy for unlocking the phone quickly. The keypad is touch-sensitive, which means that you can slide your fingers over it to scroll through messages. And before you ask, yes, it also has a 4.03-inch OLED touchscreen display for those of us who like scrolling on a smoother surface. Some of you may also be pleased to know that the Clicks Communicator has a 3.5mm headphone jack and that it supports microSD cards for storage expansion. It ships with 256GB storage and you can add a microSD card with up to 2TB of capacity. The device runs Android 16, supports Qi2 wireless charging, has a USB-C port, and has a 50-MP rear camera with optical image stabilization, alongside a 24-MP front camera. It's powered by a 4nm MediaTek chip that has 5G support. It's a dual-SIM phone with one physical SIM slot and an eSIM, so you could use it on its own instead of as the "complementary product" its pitched as, but taking calls or using certain apps could be tricky on such a small device. If you want a Clicks Communicator, you can reserve one now for $399 + $30 for shipping and duties. The launch price is expected to be $499, which means that pre-orders get a $100 discount. The device also has swappable back covers, and the company is offering two back covers for free with pre-orders. A Magsafe power bank with a sliding keyboard Credit: Clicks For everyone that just wants to add physical keys to their existing phone, Clicks has also launched a magnetic wireless power bank with a built-in sliding physical keyboard. This is one of the more quirky products I've seen from this year's pre-CES announcements, but it could make for a great middle ground for everyone who doesn't want the Communicator. I wasn't a big fan of wired power banks back in the day, but the advent of magnetic wireless charging has changed that, and now I'm itching to slap one onto my iPhone. Throwing a slide-out Bluetooth keyboard into the mix just sweetens the pot, even if it is a bit of a heavy package overall, at 180g. And because of that wireless Bluetooth connection, you can also use the keyboard with your phone, tablet, TV, or gaming console, if you like. The charger doesn't need to be physically attached to a device for its keyboard to work with it, and the device as a whole works with both Apple and Android. There is a downside, though. The Clicks Power Keyboard has a 2,150mAh battery, and it only supports 5W Qi wireless charging. That's a very slow charger by today's standards, but the good news is that your smartphone is less likely to overheat with those charging speeds. It's priced at $80 for pre-orders and is expected to start shipping this Spring. For a comparison, you could get an Anker wireless power bank for around $55. This one weighs 4.3oz (120g), offers faster 15W charging, and has a higher battery capacity (5,000mAh). You don't get a physical keyboard with most power banks in the market, so Clicks is banking on that to power sales of its Power Keyboard. View the full article

Training and development in an organization offer several key benefits that can greatly affect overall performance. Improved employee retention leads to a more stable workforce, whereas improved job performance boosts productivity. Engaged employees are more likely to collaborate and innovate, adapting to new challenges effectively. Cost savings arise from reduced turnover, and customized skill development aligns individual capabilities with organizational goals. Comprehending these benefits can help you see why investing in training is crucial for success. What else might you discover? Key Takeaways Training and development enhance employee retention, reducing turnover costs and saving organizations significant amounts in replacement expenses. Employees who undergo training exhibit improved job performance, leading to greater productivity and efficiency in their roles. Engaged employees, fostered through training, collaborate better and contribute to a positive workplace culture. Continuous learning initiatives promote innovation and adaptability, enabling organizations to respond effectively to market changes. Strong training programs bolster employer branding, helping organizations attract top talent and align employee goals with organizational objectives. Improved Employee Retention When companies invest in training and development, they often see a marked improvement in employee retention. By implementing effective training and development strategies, you can create an environment where employees feel valued and supported in their career growth. A staggering 45% of workers cite a lack of learning opportunities as a reason for leaving their jobs. This statistic underscores the necessity of training people at work to improve retention efforts. Organizations prioritizing training and development in an organization experience lower turnover rates, as employees recognize their employer’s commitment to their professional advancement. Additionally, companies that offer robust training programs can save between 50% and 200% of an employee’s annual salary in replacement costs. When employees perceive that their growth matters, they’re more likely to recommend the company, further boosting its reputation and aiding retention strategies. Investing in training isn’t just beneficial; it’s a financial imperative for long-term success. Enhanced Job Performance Investing in employee training and development not only boosts retention but also greatly improves job performance. Organizations that prioritize professional development often experience a significant return on investment, with those implementing effective learning strategies being twice as likely to meet their production goals. When you participate in training, you’ll find that 87% of learners report acquiring skills they can immediately apply to their jobs, improving both performance and productivity. Continuous learning opportunities equip you with updated knowledge crucial for adapting to market shifts and addressing customer needs effectively. Furthermore, well-trained employees tend to make fewer mistakes, which leads to reduced operational costs and improved efficiency in their roles. As you develop your skills and knowledge, you’ll contribute to a stronger, more innovative organization, eventually benefiting both your career and the company’s overall performance. Increased Employee Engagement Employee engagement greatly improves in organizations that prioritize training and development, as these programs nurture a culture of continuous learning. When you invest in your growth, it signals your value to the organization, promoting greater commitment. About 90% of learners feel more self-assured in their roles after training, which boosts participation and enthusiasm in daily tasks. Additionally, engaged employees tend to take ownership and collaborate effectively, with 84% reporting increased confidence in decision-making following training. Aligning personal growth with professional goals improves job satisfaction, making it less likely for employees to evaluate job changes. In fact, 70% of employees might switch jobs if they see a lack of training opportunities. Training Impact Employee Confidence Job Satisfaction Continuous Learning Culture 90% more self-assured Higher commitment Ownership and Collaboration 84% confident in decisions Reduced turnover Professional Growth Alignment Increased engagement Improved loyalty Greater Innovation and Adaptability When you invest in training and development, you improve your team’s problem-solving skills, which is essential for nurturing innovation. By encouraging a culture of continuous learning, you empower employees to embrace change initiatives and adapt to new challenges. This adaptability not just helps your organization keep pace with market shifts but likewise drives creative solutions that can enhance overall performance. Enhanced Problem-Solving Skills One of the key advantages of training and development in an organization is the improvement of problem-solving skills, which cultivates greater innovation and adaptability among employees. When you engage in continuous learning, you’re better equipped to tackle complex challenges, generating creative solutions. This improved problem-solving ability not only increases your efficiency but also reduces operational disruptions and costs, as well-trained employees make fewer mistakes. Furthermore, 87% of learners report that they acquire skills they can apply immediately, contributing directly to their roles. A strong culture of learning empowers you to take ownership of your tasks, encouraging you to embrace challenges and share innovative ideas that drive your organization’s success, ultimately creating a more dynamic and responsive workplace. Embracing Change Initiatives Embracing change initiatives is essential for organizations aiming to promote greater innovation and adaptability among their workforce. When you prioritize training and development, you’re empowering your employees to drive creative solutions and generate fresh ideas. Continuous learning equips them to adapt to market shifts and customer needs, nurturing a culture that embraces change. Companies with effective learning strategies are twice as likely to meet production goals, highlighting the connection between training and adaptability. Additionally, training helps employees integrate digital solutions, enhancing their ability to tackle challenges in a swiftly evolving market. A strong learning culture not only boosts engagement but likewise encourages a proactive approach to change, ultimately leading to improved overall performance and success for the organization. Cost Savings for Organizations Investing in training and development can lead to significant cost savings for organizations, as it directly addresses the expensive challenge of employee turnover. Replacing an employee can cost you between 50% to 200% of their annual salary, making retention crucial. By enhancing skills within your existing team, you can complete projects in-house, cutting down on vendor fees and specialized hires. Furthermore, effective training boosts productivity, allowing tasks to be finished faster and more efficiently. This increase in output minimizes errors and reduces the likelihood of costly rework. In the end, organizations can lose between $660,000 to $2.6 million annually because of low retention rates, reinforcing the importance of employee development for long-term profitability. Cost Aspect Without Training With Training Employee Turnover High Replacement Costs Lower Turnover Costs Vendor Fees Higher Costs In-House Completion Productivity Slower Processes Increased Efficiency Errors Frequent Mistakes Fewer Operational Disruptions Development of Future Leaders Even though organizations face an ongoing challenge to identify and develop future leaders, effective training and development programs play a crucial role in nurturing a pipeline of talent ready for higher responsibilities. By equipping employees with the necessary skills and knowledge, these programs guarantee that potential leaders are prepared for advancement. Companies prioritizing employee development often see a 70% increase in retention, which is crucial for maintaining a stable leadership base. In addition, organizations with strong training initiatives are more inclined to promote from within, enhancing employee engagement and motivation. Effective development programs frequently include mentorship and coaching, improving critical interpersonal skills and emotional intelligence, both essential for future leaders. A commitment to ongoing training aligns employees’ personal growth with the organization’s strategic goals, creating a cohesive vision for the future. This focus on development not just prepares individuals for leadership roles but likewise strengthens the overall health of the organization. Customized Skill Development Personalized skill development plays a crucial role in enhancing employee performance by directly addressing the unique challenges faced within specific industries. By implementing customized training programs, organizations can effectively bridge skill gaps, improving individual capabilities and overall performance. Companies investing in personalized training see a remarkable 91% increase in learners’ comprehension of subject-area knowledge, allowing immediate application to their roles. Furthermore, individualized training cultivates a common language among employees, enhancing communication and collaboration across teams. This approach similarly boosts employee confidence; 90% of learners report increased self-assurance at work after engaging in customized programs. In addition, addressing individual learning needs leads to higher employee engagement, contributing to a significant 70% reduction in turnover rates for organizations that prioritize skill development. Overall, personalized skill development equips employees with necessary skills while creating a more cohesive and confident workforce, vital for steering through industry-specific challenges effectively. Boosted Employee Morale Training programs play an essential role in improving employee morale within an organization. When you participate in training initiatives, it shows that your employer is committed to your growth, which can greatly boost your job satisfaction. Employees often report feeling more confident in their abilities after training, with 90% experiencing increased assurance in their work. This positive work environment encourages greater engagement, leading to loyalty and advocacy for the organization. Training Benefits Impact on Morale Long-term Effects Demonstrates commitment Higher job satisfaction Reduced turnover rates Increases self-confidence Improved employee engagement Greater loyalty Promotes positive environment Encourages recommendations Improved reputation When you feel valued and see opportunities for personal and professional development, you’re more likely to stay committed to your employer. This connection greatly improves overall workplace morale. Strengthened Employer Branding Strengthening employer branding is crucial for organizations looking to attract and retain top talent. When you prioritize employee training and development, your organization becomes more appealing to potential job seekers. A strong training program is linked to improved retention and a positive reputation. Consider these key points: Companies committed to employee development are 2.5 times more likely to attract motivated candidates. Effective training programs create positive experiences, enhancing brand perception in a competitive job market. Organizations with robust training initiatives can reduce turnover costs, saving between 50% and 200% of an employee’s annual salary. Alignment With Organizational Goals When you align training initiatives with organizational goals, you create a clear path for employees to understand their roles within the company’s mission. Strategic training not only improves team collaboration but likewise guarantees that everyone is working in the same direction, increasing overall effectiveness. Strategic Training Initiatives Aligning training initiatives with organizational goals is vital for maximizing employee performance and ensuring the long-term success of a company. When you connect training programs to strategic objectives, you improve productivity and create a more engaged workforce. Here are some key benefits: Employees feel valued, leading to increased job satisfaction and commitment. A well-structured program addresses skill gaps as it prepares future leaders. Effective training reduces operational disruptions, boosting overall efficiency. Enhanced Team Collaboration Effective training initiatives play a crucial role in enhancing team collaboration by nurturing a shared awareness of organizational goals and values. When employees align with these priorities, workplace satisfaction and cohesion improve markedly. Training creates a common awareness of company objectives, encouraging collaboration as well as minimizing information silos. Organizations that prioritize training cultivate a culture of learning, which leads to better communication and cooperation among teams. Moreover, training equips you with insights into your colleagues’ roles and challenges, promoting empathy and synergy. By ensuring that training programs align with organizational objectives, you empower yourself and your peers to take ownership of your roles, ultimately driving collective success and encouraging innovation within the workplace. Frequently Asked Questions What Are the Benefits of Training and Development to the Organisation? Training and development offer several benefits to your organization. By investing in these programs, you’re likely to increase employee retention, markedly reducing turnover costs. Improved training boosts productivity, allowing employees to work more efficiently and minimize errors. Furthermore, a commitment to employee growth strengthens your brand, attracting top talent. Companies that prioritize training likewise adapt better to market changes, positioning themselves favorably for innovation and achieving production goals effectively. What Is the Impact of Training and Development on Organizational Performance? Training and development directly impacts organizational performance by enhancing employee skills, which leads to improved productivity. When you engage in ongoing learning, you’ll notice a decrease in errors, resulting in lower operational costs. Moreover, as you become more confident through training, your engagement and innovation increase. Organizations that prioritize development likewise enjoy higher employee retention and adaptability to market changes, ensuring a competitive edge in a constantly changing business environment. Which of the Following Is a Benefit of Successful Training and Development Programs? A benefit of successful training and development programs is improved employee retention. When you invest in your team’s growth, you’re twice as likely to keep them compared to companies that don’t. Moreover, effective training reduces turnover costs considerably, saving anywhere from 50% to 200% of an employee’s annual salary for replacements. This investment not only improves productivity but furthermore boosts employee engagement, leading to a more committed and skilled workforce. What Is the Main Function of Training and Development? The main function of training and development is to improve your skills and competencies, ensuring they align with your organization’s goals. Training focuses on immediate skill acquisition, whereas development emphasizes your long-term growth. This process not merely helps you adapt to market changes but additionally boosts your confidence in your role. Conclusion In summary, training and development offer numerous benefits for organizations, including improved employee retention, improved job performance, and increased productivity. By nurturing a culture of continuous learning, you empower employees to adapt to changes and innovate effectively. Additionally, customized skill development aligns individual roles with organizational goals, strengthening employer branding. Ultimately, investing in training not solely boosts morale but likewise results in significant cost savings, making it an essential strategy for long-term business success. Image via Google Gemini This article, "What Are Key Benefits of Training and Development in an Organisation?" was first published on Small Business Trends View the full article

Training and development in an organization offer several key benefits that can greatly affect overall performance. Improved employee retention leads to a more stable workforce, whereas improved job performance boosts productivity. Engaged employees are more likely to collaborate and innovate, adapting to new challenges effectively. Cost savings arise from reduced turnover, and customized skill development aligns individual capabilities with organizational goals. Comprehending these benefits can help you see why investing in training is crucial for success. What else might you discover? Key Takeaways Training and development enhance employee retention, reducing turnover costs and saving organizations significant amounts in replacement expenses. Employees who undergo training exhibit improved job performance, leading to greater productivity and efficiency in their roles. Engaged employees, fostered through training, collaborate better and contribute to a positive workplace culture. Continuous learning initiatives promote innovation and adaptability, enabling organizations to respond effectively to market changes. Strong training programs bolster employer branding, helping organizations attract top talent and align employee goals with organizational objectives. Improved Employee Retention When companies invest in training and development, they often see a marked improvement in employee retention. By implementing effective training and development strategies, you can create an environment where employees feel valued and supported in their career growth. A staggering 45% of workers cite a lack of learning opportunities as a reason for leaving their jobs. This statistic underscores the necessity of training people at work to improve retention efforts. Organizations prioritizing training and development in an organization experience lower turnover rates, as employees recognize their employer’s commitment to their professional advancement. Additionally, companies that offer robust training programs can save between 50% and 200% of an employee’s annual salary in replacement costs. When employees perceive that their growth matters, they’re more likely to recommend the company, further boosting its reputation and aiding retention strategies. Investing in training isn’t just beneficial; it’s a financial imperative for long-term success. Enhanced Job Performance Investing in employee training and development not only boosts retention but also greatly improves job performance. Organizations that prioritize professional development often experience a significant return on investment, with those implementing effective learning strategies being twice as likely to meet their production goals. When you participate in training, you’ll find that 87% of learners report acquiring skills they can immediately apply to their jobs, improving both performance and productivity. Continuous learning opportunities equip you with updated knowledge crucial for adapting to market shifts and addressing customer needs effectively. Furthermore, well-trained employees tend to make fewer mistakes, which leads to reduced operational costs and improved efficiency in their roles. As you develop your skills and knowledge, you’ll contribute to a stronger, more innovative organization, eventually benefiting both your career and the company’s overall performance. Increased Employee Engagement Employee engagement greatly improves in organizations that prioritize training and development, as these programs nurture a culture of continuous learning. When you invest in your growth, it signals your value to the organization, promoting greater commitment. About 90% of learners feel more self-assured in their roles after training, which boosts participation and enthusiasm in daily tasks. Additionally, engaged employees tend to take ownership and collaborate effectively, with 84% reporting increased confidence in decision-making following training. Aligning personal growth with professional goals improves job satisfaction, making it less likely for employees to evaluate job changes. In fact, 70% of employees might switch jobs if they see a lack of training opportunities. Training Impact Employee Confidence Job Satisfaction Continuous Learning Culture 90% more self-assured Higher commitment Ownership and Collaboration 84% confident in decisions Reduced turnover Professional Growth Alignment Increased engagement Improved loyalty Greater Innovation and Adaptability When you invest in training and development, you improve your team’s problem-solving skills, which is essential for nurturing innovation. By encouraging a culture of continuous learning, you empower employees to embrace change initiatives and adapt to new challenges. This adaptability not just helps your organization keep pace with market shifts but likewise drives creative solutions that can enhance overall performance. Enhanced Problem-Solving Skills One of the key advantages of training and development in an organization is the improvement of problem-solving skills, which cultivates greater innovation and adaptability among employees. When you engage in continuous learning, you’re better equipped to tackle complex challenges, generating creative solutions. This improved problem-solving ability not only increases your efficiency but also reduces operational disruptions and costs, as well-trained employees make fewer mistakes. Furthermore, 87% of learners report that they acquire skills they can apply immediately, contributing directly to their roles. A strong culture of learning empowers you to take ownership of your tasks, encouraging you to embrace challenges and share innovative ideas that drive your organization’s success, ultimately creating a more dynamic and responsive workplace. Embracing Change Initiatives Embracing change initiatives is essential for organizations aiming to promote greater innovation and adaptability among their workforce. When you prioritize training and development, you’re empowering your employees to drive creative solutions and generate fresh ideas. Continuous learning equips them to adapt to market shifts and customer needs, nurturing a culture that embraces change. Companies with effective learning strategies are twice as likely to meet production goals, highlighting the connection between training and adaptability. Additionally, training helps employees integrate digital solutions, enhancing their ability to tackle challenges in a swiftly evolving market. A strong learning culture not only boosts engagement but likewise encourages a proactive approach to change, ultimately leading to improved overall performance and success for the organization. Cost Savings for Organizations Investing in training and development can lead to significant cost savings for organizations, as it directly addresses the expensive challenge of employee turnover. Replacing an employee can cost you between 50% to 200% of their annual salary, making retention crucial. By enhancing skills within your existing team, you can complete projects in-house, cutting down on vendor fees and specialized hires. Furthermore, effective training boosts productivity, allowing tasks to be finished faster and more efficiently. This increase in output minimizes errors and reduces the likelihood of costly rework. In the end, organizations can lose between $660,000 to $2.6 million annually because of low retention rates, reinforcing the importance of employee development for long-term profitability. Cost Aspect Without Training With Training Employee Turnover High Replacement Costs Lower Turnover Costs Vendor Fees Higher Costs In-House Completion Productivity Slower Processes Increased Efficiency Errors Frequent Mistakes Fewer Operational Disruptions Development of Future Leaders Even though organizations face an ongoing challenge to identify and develop future leaders, effective training and development programs play a crucial role in nurturing a pipeline of talent ready for higher responsibilities. By equipping employees with the necessary skills and knowledge, these programs guarantee that potential leaders are prepared for advancement. Companies prioritizing employee development often see a 70% increase in retention, which is crucial for maintaining a stable leadership base. In addition, organizations with strong training initiatives are more inclined to promote from within, enhancing employee engagement and motivation. Effective development programs frequently include mentorship and coaching, improving critical interpersonal skills and emotional intelligence, both essential for future leaders. A commitment to ongoing training aligns employees’ personal growth with the organization’s strategic goals, creating a cohesive vision for the future. This focus on development not just prepares individuals for leadership roles but likewise strengthens the overall health of the organization. Customized Skill Development Personalized skill development plays a crucial role in enhancing employee performance by directly addressing the unique challenges faced within specific industries. By implementing customized training programs, organizations can effectively bridge skill gaps, improving individual capabilities and overall performance. Companies investing in personalized training see a remarkable 91% increase in learners’ comprehension of subject-area knowledge, allowing immediate application to their roles. Furthermore, individualized training cultivates a common language among employees, enhancing communication and collaboration across teams. This approach similarly boosts employee confidence; 90% of learners report increased self-assurance at work after engaging in customized programs. In addition, addressing individual learning needs leads to higher employee engagement, contributing to a significant 70% reduction in turnover rates for organizations that prioritize skill development. Overall, personalized skill development equips employees with necessary skills while creating a more cohesive and confident workforce, vital for steering through industry-specific challenges effectively. Boosted Employee Morale Training programs play an essential role in improving employee morale within an organization. When you participate in training initiatives, it shows that your employer is committed to your growth, which can greatly boost your job satisfaction. Employees often report feeling more confident in their abilities after training, with 90% experiencing increased assurance in their work. This positive work environment encourages greater engagement, leading to loyalty and advocacy for the organization. Training Benefits Impact on Morale Long-term Effects Demonstrates commitment Higher job satisfaction Reduced turnover rates Increases self-confidence Improved employee engagement Greater loyalty Promotes positive environment Encourages recommendations Improved reputation When you feel valued and see opportunities for personal and professional development, you’re more likely to stay committed to your employer. This connection greatly improves overall workplace morale. Strengthened Employer Branding Strengthening employer branding is crucial for organizations looking to attract and retain top talent. When you prioritize employee training and development, your organization becomes more appealing to potential job seekers. A strong training program is linked to improved retention and a positive reputation. Consider these key points: Companies committed to employee development are 2.5 times more likely to attract motivated candidates. Effective training programs create positive experiences, enhancing brand perception in a competitive job market. Organizations with robust training initiatives can reduce turnover costs, saving between 50% and 200% of an employee’s annual salary. Alignment With Organizational Goals When you align training initiatives with organizational goals, you create a clear path for employees to understand their roles within the company’s mission. Strategic training not only improves team collaboration but likewise guarantees that everyone is working in the same direction, increasing overall effectiveness. Strategic Training Initiatives Aligning training initiatives with organizational goals is vital for maximizing employee performance and ensuring the long-term success of a company. When you connect training programs to strategic objectives, you improve productivity and create a more engaged workforce. Here are some key benefits: Employees feel valued, leading to increased job satisfaction and commitment. A well-structured program addresses skill gaps as it prepares future leaders. Effective training reduces operational disruptions, boosting overall efficiency. Enhanced Team Collaboration Effective training initiatives play a crucial role in enhancing team collaboration by nurturing a shared awareness of organizational goals and values. When employees align with these priorities, workplace satisfaction and cohesion improve markedly. Training creates a common awareness of company objectives, encouraging collaboration as well as minimizing information silos. Organizations that prioritize training cultivate a culture of learning, which leads to better communication and cooperation among teams. Moreover, training equips you with insights into your colleagues’ roles and challenges, promoting empathy and synergy. By ensuring that training programs align with organizational objectives, you empower yourself and your peers to take ownership of your roles, ultimately driving collective success and encouraging innovation within the workplace. Frequently Asked Questions What Are the Benefits of Training and Development to the Organisation? Training and development offer several benefits to your organization. By investing in these programs, you’re likely to increase employee retention, markedly reducing turnover costs. Improved training boosts productivity, allowing employees to work more efficiently and minimize errors. Furthermore, a commitment to employee growth strengthens your brand, attracting top talent. Companies that prioritize training likewise adapt better to market changes, positioning themselves favorably for innovation and achieving production goals effectively. What Is the Impact of Training and Development on Organizational Performance? Training and development directly impacts organizational performance by enhancing employee skills, which leads to improved productivity. When you engage in ongoing learning, you’ll notice a decrease in errors, resulting in lower operational costs. Moreover, as you become more confident through training, your engagement and innovation increase. Organizations that prioritize development likewise enjoy higher employee retention and adaptability to market changes, ensuring a competitive edge in a constantly changing business environment. Which of the Following Is a Benefit of Successful Training and Development Programs? A benefit of successful training and development programs is improved employee retention. When you invest in your team’s growth, you’re twice as likely to keep them compared to companies that don’t. Moreover, effective training reduces turnover costs considerably, saving anywhere from 50% to 200% of an employee’s annual salary for replacements. This investment not only improves productivity but furthermore boosts employee engagement, leading to a more committed and skilled workforce. What Is the Main Function of Training and Development? The main function of training and development is to improve your skills and competencies, ensuring they align with your organization’s goals. Training focuses on immediate skill acquisition, whereas development emphasizes your long-term growth. This process not merely helps you adapt to market changes but additionally boosts your confidence in your role. Conclusion In summary, training and development offer numerous benefits for organizations, including improved employee retention, improved job performance, and increased productivity. By nurturing a culture of continuous learning, you empower employees to adapt to changes and innovate effectively. Additionally, customized skill development aligns individual roles with organizational goals, strengthening employer branding. Ultimately, investing in training not solely boosts morale but likewise results in significant cost savings, making it an essential strategy for long-term business success. Image via Google Gemini This article, "What Are Key Benefits of Training and Development in an Organisation?" was first published on Small Business Trends View the full article

Fitch Ratings' outlooks for mortgage and title insurers this year are neutral, as housing deals with affordability challenges and a likely economic downturn. View the full article

Proceedings come as ailing business empire that owned Telegraph owes large debts View the full article

This new year comes with a new moon. Skywatchers are in for a treat this weekend as 2026 rings in the first supermoon of the year, along with a Quadrantid meteor shower. The January full “wolf moon” is forecast to appear overnight into tomorrow morning Saturday, January 3, peaking at 5:03 a.m. ET when it will be at its fullest, according to EarthSky. However, don’t be fooled: It will appear full both nights, due to its close proximity to Earth (making it appear 14% larger), and proximity to Jupiter and Gemini’s twin stars—all of which will make it appear even brighter. All that light, however, could make it harder to see the Quadrantid meteor shower: bright, short-lived “fireballs” that can streak across the sky at up to 120 per hour, and come from debris left behind by asteroid 2003 EH1. January’s supermoon is, technically, the last in a string of four consecutive supermoons that started in late 2025. Simultaneously, it’s the first of three supermoons on deck for 2026. The others follow in November and December. Why is it called a wolf moon? January’s annual “wolf moon” is thought to be named after the animal, which is known to howl during long winter nights, per the Old Farmer’s Almanac. Native Americans used the moons to track the seasons, and the wolf moon may have gotten its name from European settlers. How to view this ‘wolf moon’ To view the wolf moon, look to the eastern horizon tonight at dusk, Friday January 2, right before sunset. “It will appear particularly large while close to the horizon thanks to a phenomenon called the “moon illusion,” a visual effect that makes low-hanging moons seem oversized,” according to Space.com. (Also, check out the sunset on Saturday, January 3, for same effect.) This winter’s supermoon will be easier and more convenient to see because it will be visible low in the sky once its dark, and then climb higher in the sky, according to BBC’s Sky at Night magazine. View the full article

A growing share of your customers already relies on AI to shop—and Visa says the next step is AI completing the purchase, not just suggesting what to buy. In a Dec. 18 announcement, Visa reported “hundreds of secure, agent-initiated transactions” completed with partners, positioning what it calls “agentic commerce” for broader rollout in 2026. Read the original Visa press release here. “We are seeing impressive progress in how AI will transform commerce, with many real-world transactions completed by Visa’s deep network of partners,” said Rubail Birwadker, SVP, Head of Growth Products & Partnerships, Visa. “This holiday season marks the end of an era. In 2026, AI agents won’t just assist your shopping—they will complete your purchases, powered by Visa’s global scale, standards leadership, and unparalleled commitment to secure agentic commerce.” Key takeaways for small businesses Visa says secure, AI agent-initiated payments are already occurring in “controlled, real-world” pilots, not just demos. Visa’s research found that nearly half of U.S. shoppers (47%) use AI tools for at least one shopping task, and Visa predicts “millions” will use agents to complete purchases by the 2026 holiday season. Visa is pushing an ecosystem approach—partner pilots plus standards—so merchants can distinguish “legitimate AI agents” from malicious bots. What Visa says is happening now Visa stated it is working with more than 100 partners globally, with “over 30” building in the Visa Intelligent Commerce (VIC) sandbox and “over 20” agents or agent enablers integrating directly with Visa Intelligent Commerce. Those efforts, Visa said, have produced “hundreds of controlled, real-world agent-initiated transactions,” which the company argues proves AI-driven purchasing can work in live environments. In the U.S., Visa highlighted early closed-beta pilots with agent-enabling partners: Skyfire: enabling Consumer Reports’ product recommendation agent to demonstrate a purchase of Bose headphones via browser automation. Nekuda: enabling purchases that move from AI-styled looks to checkout via APIs and browser automation across several services and merchants mentioned in the release. PayOS: providing payment infrastructure for agent-driven checkout with BeyondStyle and Jomashop. Ramp: applying Visa Intelligent Commerce to B2B payment automation, including corporate bill pay and card-based cashback capture. For small businesses, that mix matters: it signals Visa is targeting both consumer checkout (where agents could reduce friction and abandonment) and back-office spend (where agents could automate repetitive purchasing and bill pay). Why this could matter to your business in 2026 If Visa’s timeline holds, the near-term shift isn’t just “AI helps customers search.” It’s that customers may arrive at your storefront with an agent that’s ready to execute: selecting product variants, applying promotions, choosing a payment method, and completing checkout. From a practical standpoint, that could create upsides for small firms that compete on speed and service: Fewer lost sales from checkout friction. Visa’s broader Intelligent Commerce positioning centers on tokenized payments, authentication, and protections intended to smooth transactions. More structured, intent-driven traffic. Agents are designed to move from “find” to “buy,” which could boost conversion rates—especially for product catalogs with many options, accessories, or bundles. Automation for B2B purchasing. For firms that manage recurring vendors, replenishment, or subscriptions, agentic flows could reduce time spent on routine payments—an angle Visa and Ramp emphasized. What small businesses should watch closely The same automation that can increase conversions can also introduce new operational and risk questions for merchants—particularly those without dedicated security or payments teams. Bot vs. buyer confusion. Visa said it introduced Trusted Agent Protocol, an open framework designed to help merchants distinguish malicious bots from legitimate AI agents acting on behalf of consumers. Visa also said Akamai supports the framework with behavioral intelligence and bot-abuse protections. Customer consent and expectations. If an agent “completes your purchases,” customer service teams may need clearer scripts and policies for disputes, address errors, or duplicate orders—especially if the agent acts under permissions the buyer set elsewhere. Returns, chargebacks, and fraud workflows. Even with improved authentication, merchants still handle returns and chargebacks. Agentic purchases could increase edge cases if agents optimize for speed and price. Integration complexity. New standards and integrations can take time to reach smaller merchants, depending on platforms and payment providers. What you can do now Small businesses don’t need to overhaul their stack today, but a few practical moves can reduce risk and improve readiness: Pressure-test checkout flows for speed, clarity, and error handling (shipping options, address validation, promo logic, and inventory accuracy). Review fraud and bot settings so you don’t accidentally block legitimate high-intent automation as standards mature. Clean up product data (variants, specs, policies). Agents will rely heavily on structured information. Ask your payments provider, e-commerce platform, or fraud vendor how they’re preparing for Trusted Agent Protocol and agent authentication. Visa is betting the 2026 holiday season is when AI agents become common participants in commerce, not just shopping assistants. Whether that proves true at scale, the direction is clear: small businesses that treat “agent traffic” as a real customer channel—and prepare operations accordingly—may be better positioned as checkout gets more automated. Image via Google Gemini This article, "Visa Leads Push for AI-Powered Shopping as Secure Transactions Take Off" was first published on Small Business Trends View the full article

A growing share of your customers already relies on AI to shop—and Visa says the next step is AI completing the purchase, not just suggesting what to buy. In a Dec. 18 announcement, Visa reported “hundreds of secure, agent-initiated transactions” completed with partners, positioning what it calls “agentic commerce” for broader rollout in 2026. Read the original Visa press release here. “We are seeing impressive progress in how AI will transform commerce, with many real-world transactions completed by Visa’s deep network of partners,” said Rubail Birwadker, SVP, Head of Growth Products & Partnerships, Visa. “This holiday season marks the end of an era. In 2026, AI agents won’t just assist your shopping—they will complete your purchases, powered by Visa’s global scale, standards leadership, and unparalleled commitment to secure agentic commerce.” Key takeaways for small businesses Visa says secure, AI agent-initiated payments are already occurring in “controlled, real-world” pilots, not just demos. Visa’s research found that nearly half of U.S. shoppers (47%) use AI tools for at least one shopping task, and Visa predicts “millions” will use agents to complete purchases by the 2026 holiday season. Visa is pushing an ecosystem approach—partner pilots plus standards—so merchants can distinguish “legitimate AI agents” from malicious bots. What Visa says is happening now Visa stated it is working with more than 100 partners globally, with “over 30” building in the Visa Intelligent Commerce (VIC) sandbox and “over 20” agents or agent enablers integrating directly with Visa Intelligent Commerce. Those efforts, Visa said, have produced “hundreds of controlled, real-world agent-initiated transactions,” which the company argues proves AI-driven purchasing can work in live environments. In the U.S., Visa highlighted early closed-beta pilots with agent-enabling partners: Skyfire: enabling Consumer Reports’ product recommendation agent to demonstrate a purchase of Bose headphones via browser automation. Nekuda: enabling purchases that move from AI-styled looks to checkout via APIs and browser automation across several services and merchants mentioned in the release. PayOS: providing payment infrastructure for agent-driven checkout with BeyondStyle and Jomashop. Ramp: applying Visa Intelligent Commerce to B2B payment automation, including corporate bill pay and card-based cashback capture. For small businesses, that mix matters: it signals Visa is targeting both consumer checkout (where agents could reduce friction and abandonment) and back-office spend (where agents could automate repetitive purchasing and bill pay). Why this could matter to your business in 2026 If Visa’s timeline holds, the near-term shift isn’t just “AI helps customers search.” It’s that customers may arrive at your storefront with an agent that’s ready to execute: selecting product variants, applying promotions, choosing a payment method, and completing checkout. From a practical standpoint, that could create upsides for small firms that compete on speed and service: Fewer lost sales from checkout friction. Visa’s broader Intelligent Commerce positioning centers on tokenized payments, authentication, and protections intended to smooth transactions. More structured, intent-driven traffic. Agents are designed to move from “find” to “buy,” which could boost conversion rates—especially for product catalogs with many options, accessories, or bundles. Automation for B2B purchasing. For firms that manage recurring vendors, replenishment, or subscriptions, agentic flows could reduce time spent on routine payments—an angle Visa and Ramp emphasized. What small businesses should watch closely The same automation that can increase conversions can also introduce new operational and risk questions for merchants—particularly those without dedicated security or payments teams. Bot vs. buyer confusion. Visa said it introduced Trusted Agent Protocol, an open framework designed to help merchants distinguish malicious bots from legitimate AI agents acting on behalf of consumers. Visa also said Akamai supports the framework with behavioral intelligence and bot-abuse protections. Customer consent and expectations. If an agent “completes your purchases,” customer service teams may need clearer scripts and policies for disputes, address errors, or duplicate orders—especially if the agent acts under permissions the buyer set elsewhere. Returns, chargebacks, and fraud workflows. Even with improved authentication, merchants still handle returns and chargebacks. Agentic purchases could increase edge cases if agents optimize for speed and price. Integration complexity. New standards and integrations can take time to reach smaller merchants, depending on platforms and payment providers. What you can do now Small businesses don’t need to overhaul their stack today, but a few practical moves can reduce risk and improve readiness: Pressure-test checkout flows for speed, clarity, and error handling (shipping options, address validation, promo logic, and inventory accuracy). Review fraud and bot settings so you don’t accidentally block legitimate high-intent automation as standards mature. Clean up product data (variants, specs, policies). Agents will rely heavily on structured information. Ask your payments provider, e-commerce platform, or fraud vendor how they’re preparing for Trusted Agent Protocol and agent authentication. Visa is betting the 2026 holiday season is when AI agents become common participants in commerce, not just shopping assistants. Whether that proves true at scale, the direction is clear: small businesses that treat “agent traffic” as a real customer channel—and prepare operations accordingly—may be better positioned as checkout gets more automated. Image via Google Gemini This article, "Visa Leads Push for AI-Powered Shopping as Secure Transactions Take Off" was first published on Small Business Trends View the full article

An analysis of 2025’s most emotionally effective holiday ads shows why nostalgia, warmth, and human storytelling still outperform spend. The post Top 10 Emotionally-Engaging Holiday Ads Of 2025 (With A Bonus One) appeared first on Search Engine Journal. View the full article

There are a lot of ways I trick myself into meeting my goals, like coming up with various rewards and punishments for myself or outsourcing my progress tracking to apps. In general, I'm a deeply goal-oriented person and I am, for better or worse, obsessed with "winning"—which I always thought made me a perfect candidate for complicated productivity techniques like detailed to-do lists full of tasks in order of priority. While I do love a good technique, I decided to switch things up last year when I got worried that maybe I was spending so much time prioritizing and planning that I wasn't spending enough time doing. So I just focused on the doing—and it worked. Here's what I mean and how my bright idea helped me crush last year's resolutions. Adopting a "do it now" mindsetI've covered a lot of productivity hacks for Lifehacker and the two I liked best, both in theory and practice, were the two- and 10-minute rules. The idea is that if a particular tasks takes less than two (or 10, depending on your preferred approach) minutes to complete, you should just get it out of the way early in the day. It's smart because it leaves little time for deliberation or over-planning, but even when I used it for the 10-minute tasks, I wasn't convinced it was effective enough. Some tasks take longer than 10 minutes. I felt like the "just do it" mentality was helpful for me, but could be more helpful. So I started thinking more in terms of simply "do it now," not in terms of time allotments. Sitting down every morning to write out a to-do list and determine how long each responsibility will take, which are most important, and which will demand the most resources works well for some people, but it is too tedious for me. Since coming around on a "do it now" mindset, I don't do that anymore at all. When I think of something, I just do it, no matter what it is or how long it will take (within reason). If, for some reason, I can't fit it in at the moment I come up with it, I add it to a note on my phone, which I also count as doing it now, though the "it" is adding the task to the list. How this has helped meMy goals for the last year have largely been about my health and fitness, as well as my living space. I wanted to become a healthier, better me, which involved more time in the gym and having a clean, organized home to relax in. My "do it now" mindset helped me with both, especially when I was starting out on my resolutions around this time last year. I didn't pressure myself to work out at a certain time or try to wedge exercise into a structured daily schedule. Instead, I just firmly told myself I'd go when it occurred to me and I wouldn't deliberate or make any excuses. I found myself at the gym on lunch breaks, Saturday mornings, and late week nights. As soon as I thought of it, I went (or worked out at home, usually riding my Peloton)—and it worked. The longer I did this, the more working out became a normal, expected part of my day. Notably, by the fall, I had developed such an affinity for my hour of physical activity each day that I did start scheduling it and have been able to wake up every day before the sun to simply knock it out. I don't think that would have happened if I hadn't tried my new motivation-first approach. The same was true for cleaning. There are so many cleaning techniques and approaches out there and, to be clear, each one of those works well for a certain kind of person. I've tried them all and nothing was as useful to me as just cleaning something the moment I thought of it or saw it needed to be done. If I see a dirty baseboard, I don't file that information away for "living room cleaning" day; I hop off the couch and wipe it down. Building this habit was a challenge because it's easy to kick the can down the road and decide to complete these tasks during designated home-tidying times, but once I got the hang of it, I noticed something: I no longer needed to set aside a Saturday afternoon for cleaning. There was nothing to clean in bulk because it all got handled whenever an issue sprang up. My goals for the new year this time around are to stick with the momentum I built up working out and cleaning, but also improve my finances and notch some professional accomplishments I've been putting off during the year I spent on self-improvement. As soon as I finish this, I'm going to call one of the companies overseeing one of my 401k accounts to check on my rollover status, which is something I would have procrastinated on before entering my "do it now" era. Different things work for different people, but you can get caught up in thinking too much and doing too little. My technique doesn't come from a book and, I'll admit, does have to be abandoned sometimes when there are serious, large-scale projects that need to be broken down and handled systematically, but the beauty of it is that it leaves time and mental energy for doing that when I have to. View the full article

President Donald The President has spent much of his two-week vacation in Florida golfing. But when he gets back to the White House, there’s a military golf course that he’s never played that he’s eyeing for a major construction project. Long a favored getaway for presidents seeking a few hours’ solace from the stress of running the free world, the Courses at Andrews — inside the secure confines of Joint Base Andrews in Maryland, about 15 miles (24 kilometers) from the White House — are known as the “president’s golf course.” Gerald Ford, Ronald Reagan, George H.W. Bush, Bill Clinton, George W. Bush, and Joe Biden have spent time there, and Barack Obama played it more frequently than any president, roughly 110 times in eight years. The President has always preferred the golf courses his family owns — spending about one of every four days of his second term at one of them. But he’s now enlisted golf champion Jack Nicklaus as the architect to overhaul the Courses at Andrews. “It’s amazing that an individual has time to take a couple hours away from the world crises. And they’re people like everybody else,” said Michael Thomas, the former general manager of the course, who has golfed with many of the presidents visiting Andrews over the years. Andrews, better known as the home of Air Force One, has two 18-hole courses and a 9-hole one. Its facilities have undergone renovations in the past, including in 2018, when Congress approved funding to replace aging presidential aircraft and to build a new hangar and support facilities. That project was close enough to the courses that they had to be altered then, too. The President toured the base by helicopter before Thanksgiving with Nicklaus, who has designed top courses the world over. The president called Andrews “a great place, that’s been destroyed over the years, through lack of maintenance.” Other golfers, though, describe Andrews’ grounds as in good shape, despite some dry patches. Online reviews praise the course’s mature trees, tricky roughs, and ponds and streams that serve as water hazards. The courses are mostly flat, but afford views of the surrounding base. ‘They all like to drive the cart’ The first president to golf at Andrews was Ford in 1974. Thomas began working there a couple years later, and was general manager from 1981 until he retired in 2019. He said the Secret Service over the years used as many as 28 golf carts — as well as the president’s usual 30-car motorcade — to keep the perimeter secure. “It’s a Cecil B. DeMille production every time,” said Thomas, who had the opportunity to play rounds with four different presidents, and with Biden when he was vice president. He said the commanders in chief generally enjoyed their time out on the course in their own unique ways, but “they all like to drive the cart because they never get an opportunity to drive.” “It’s like getting your driver’s license all over again,” Thomas laughed. The President golfs most weekends, and as of Friday, has spent an estimated 93 days of his second term doing so, according to an Associated Press analysis of his schedules. That tally includes days when The President was playing courses his family owns in Virginia, around 30 miles (48 kilometers) from the White House, and near his Florida estate Mar-a-Lago, where he’s spending the winter holidays. It also includes 10 days The President spent staying at his golf club in Bedminster, New Jersey, where his schedule allowed time for rounds of golf. The President has visited Andrews in the past, but the White House and base have no record of him playing the courses. Another of The President construction projects Andrews’ military history dates to the Civil War, when Union troops used a church near Camp Springs, Maryland, as sleeping quarters. Its golf course opened in 1960. The White House said the renovation will be the most significant in the history of Andrews. The courses and clubhouse need improvements due to age and wear, it said, and there are discussions about including a multifunctional event center as part of the project. “President The President is a champion-level golfer with an extraordinary eye for detail and design,” White House spokesman Davis Ingle said in a statement. “His vision to renovate and beautify Joint Base Andrews’ golf courses will bring much-needed improvements that service members and their families will be able to enjoy for generations to come.” Plans are in the very early stages, and the cost of — and funding for — the project haven’t been determined, the White House said. The President has said only that it will require “very little money.” The Andrews improvements join a bevy of The President construction projects, including demolishing the White House’s East Wing for a sprawling ballroom now expected to cost $400 million, redoing the bathroom attached to the Lincoln bedroom and replacing the Rose Garden’s lawn with a Mar-a-Lago-like patio area. Outside the White House, The President has led building projects at the Kennedy Center and wants to erect a Paris-style arch near the Lincoln Memorial, and has said he wants to rebuild Dulles International Airport in northern Virginia. On Wednesday, meanwhile, the The President administration ended a lease agreement with a non-profit for three public golf courses in Washington — which could allow the president to further shape golfing in the nation’s capital. The White House, however, said that move isn’t related to the plans for Andrews. Presidential perks of golfing at Andrews When the president is golfing, Andrews officials block off nine holes at a time so no one plays in front of him, allowing for extra security while also ensuring consistent speed-of-play, Thomas said. That’s relatively easily done given that the courses aren’t open to the public. They’re usually reserved for active or retired members of the military and their families, as well as some Defense Department-linked federal employees. Thomas remembers playing a round with the older President Bush, a World Golf Hall of Fame inductee known for fast play, while first lady Barbara Bush walked with Millie, the first couple’s English Springer Spaniel. George W. Bush also played fast, Thomas said, and got additional exercise by frequently riding his mountain bike before golfing. When he wasn’t golfing at Andrews, Obama tried to recreate at least part of the experience back home. He had a White House golf simulator installed after then-first lady Michelle Obama asked Thomas how they might acquire a model that the president had seen advertised on the Golf Channel. Thomas gave her a contact at the network. Obama famously cut short a round at Andrews after nine holes in 2011 to hustle back to the White House for what turned out to be a top-secret review of final preparations for a Navy SEAL raid on the compound of Osama bin Laden. But, while Thomas was golfing with presidents, he said he never witnessed play interrupted by an important call or any major emergency that forced them off the course mid-hole. There also were never any rain-outs. “If there was rain coming, they’d get the weather forecast before we would,” Thomas said. “They would cancel quick on that.” —Will Weissert, Associated Press View the full article

If you’re new to video editing, choosing the right software can greatly influence your learning curve and overall experience. Several user-friendly options cater to beginners, each offering unique features and interfaces. Programs like CyberLink PowerDirector and Wondershare Filmora stand out for their intuitive designs and ease of use. Meanwhile, free alternatives like Shotcut and HitFilm Express provide robust tools without the cost. Let’s explore these options further and identify which software might best suit your needs. Key Takeaways User-Friendly Interfaces: Look for software like Wondershare Filmora and Movavi Video Editor that prioritize intuitive navigation and drag-and-drop functionality for seamless use. Extensive Feature Sets: Choose programs that offer a variety of effects and tools, such as CyberLink PowerDirector and HitFilm Express, to enhance your editing. Budget-Friendly Options: Consider free or affordable software like Shotcut, iMovie, and HitFilm Express that provide powerful features without breaking the bank. Performance and Compatibility: Ensure the software works well on your system; options like Clipchamp are browser-based and accessible on various devices. Learning Resources: Select video editors with ample tutorials and community support, such as DaVinci Resolve and Wondershare Filmora, to aid your learning process. CyberLink PowerDirector When you’re starting out in video editing, CyberLink PowerDirector stands out as a user-friendly option that caters to both novices and seasoned editors. It’s often recommended as one of the best video editing software for beginners owing to its sleek interface and wide range of features. Compatible with both Windows and Mac, it offers fast rendering speeds and effective timeline scrubbing, enhancing your editing experience. With a monthly subscription at $19.99 or an annual option for $54.99, you have flexibility in payment. Plus, a free trial lets you explore its capabilities, including motion tracking and 360-degree video editing. In the video editing software comparison, PowerDirector consistently ranks highly for its versatility and accessibility. Wondershare Filmora Wondershare Filmora offers a user-friendly interface that makes video editing accessible for beginners. With an extensive feature set that includes motion tracking and chroma-keying, you can create professional-looking videos without feeling overwhelmed. This software not only supports various formats for easy sharing but likewise provides budget-friendly pricing options to suit your needs. User-Friendly Interface For those new to video editing, having a user-friendly interface can make all the difference in the learning experience. Wondershare Filmora stands out as one of the best video editing programs for beginners, thanks to its intuitive design. You’ll find features like drag-and-drop functionality, which allows you to import and arrange clips seamlessly. Furthermore, helpful popups and guided tutorials guarantee you understand how to use the software effectively. The clean layout categorizes tools and effects to reduce confusion, enhancing your workflow. Here’s a quick overview: Feature Description Drag-and-Drop Simplifies importing and arranging clips Guided Tutorials Helps you learn features quickly Built-in Effects Offers a range of transitions and filters Whether you’re vlogging or exploring free VFX software, Filmora makes editing easy. Extensive Feature Set As you immerse yourself in video editing, you’ll quickly discover that an extensive feature set can greatly augment your creative options and streamline your workflow. Wondershare Filmora stands out with its user-friendly tools that cater to beginners, allowing you to explore various editing techniques effortlessly. Here are three notable features: Over 300 Effects: Access a vast library of transitions, filters, and overlays to enrich your videos creatively. Multiple Formats: Import and export in various formats, ensuring versatility for all your projects. Intuitive Tools: Utilize drag-and-drop functionality alongside advanced features like motion tracking and audio ducking, making your editing process efficient and effective. With built-in tutorials, you’ll quickly master these features, elevating your video editing skills. Movavi Video Editor If you’re looking for video editing software that’s perfect for beginners, Movavi Video Editor stands out with its user-friendly interface designed to simplify the editing process. You can easily navigate its tools, ensuring a seamless editing experience. The software supports a wide range of input and output formats, making it versatile for various projects. With an array of transitions, filters, and effects, you can improve the visual appeal of your videos without needing advanced skills. Furthermore, Movavi provides crucial tools for color correction and stabilization, ensuring high-quality output. Its straightforward timeline and drag-and-drop functionality make it easy to master, helping novice editors create professional-looking results in no time. Imovie iMovie serves as an ideal video editing solution for Apple users, offering a free and accessible platform pre-installed on Mac, iPhone, and iPad devices. Its user-friendly interface, combined with advanced tools, makes it perfect for beginners. Here are three key features you’ll appreciate: Chroma-keying and Video Stabilization: These tools allow for more professional-looking edits, enhancing your video quality considerably. 4K Video Support: Edit high-resolution videos seamlessly, ensuring your final product is sharp and clear. iCloud Integration: Access and edit your projects across different Apple devices effortlessly. However, keep in mind that iMovie is limited to Apple hardware, which means Windows users won’t be able to utilize this software. DaVinci Resolve For those looking to improve their video editing skills beyond the basics, DaVinci Resolve stands out as a robust option. It offers a thorough set of professional-grade tools, including advanced color correction and visual effects, making it suitable for both beginners and experienced editors. The software’s generous free version comes without watermarks, allowing you to explore a wide range of features at no cost. Known for its blazing-fast render speeds, DaVinci Resolve optimizes performance through GPU hardware acceleration. Its intuitive user interface aids in easy navigation, featuring dual video preview windows and a flexible timeline. Furthermore, an extensive library of tutorials and community support helps you master the software quickly. Feature Description Benefit Free Version No watermarks and extensive features Ideal for beginners GPU Acceleration Optimized performance for editing Faster rendering speeds User Interface Intuitive design with dual preview windows Easy navigation Clipchamp Clipchamp offers a user-friendly, browser-based video editing experience that caters to beginners and those without access to high-end hardware. It’s perfect for creating and editing videos efficiently, particularly for social media. Here are some key features that make it appealing: Free Tier: Access crucial features, including templates and AI-powered tools, without upfront costs. Multi-Track Editing: Edit videos using multiple tracks for more complex projects, enhancing your storytelling capabilities. Stock Assets Library: Utilize a library of stock images and videos to enrich your content, even if premium assets may require a subscription. The free version supports 1080p exports, making it a practical choice for quick and high-quality video production. Adobe Premiere Elements Adobe Premiere Elements stands out as a user-friendly video editing software designed particularly for beginners, making it an excellent choice for those who want to develop their editing skills without overwhelming complexity. With guided edits and AI tools, you can simplify the editing process and create polished videos quickly. Available for a one-time purchase, it offers three years of use at a competitive price compared to subscription options. Premiere Elements supports various content types, ideal for social media and personal projects. It’s compatible with both Windows and Mac, ensuring accessibility for all novice editors. Feature Description Guided Edits Step-by-step assistance for beginners Auto-Editing Quick creation of polished videos Content Variety Suitable for social media and personal projects Purchase Model One-time payment for three years of access Compatibility Works on both Windows and Mac Final Cut Pro Final Cut Pro offers a range of professional editing tools that can enhance your video projects, but it does come with a learning curve. Although the modern interface is user-friendly, mastering its advanced features may require some time and practice. Furthermore, you’ll need a Mac with adequate system resources to guarantee smooth performance, especially when working with high-resolution footage. Professional Editing Tools When you’re looking to improve your video editing skills, professional tools like Final Cut Pro can provide the depth and flexibility you need. This software is particularly appealing for those moving from simpler programs, thanks to its modern, trackless timeline. Here are three standout features: AI-Powered Scene Removal Mask: This advanced tool streamlines the editing process by allowing you to easily isolate and remove unwanted elements from your footage. Multicam Editing: Final Cut Pro makes it simple to edit projects filmed from multiple angles, giving you more creative control. Optimized for macOS: Its seamless integration with Apple hardware guarantees smooth performance, making it a top choice for Mac users looking for professional capabilities. Learning Curve Challenges During the shift to a more advanced video editing software, many users encounter significant learning curve challenges that can be intimidating. Final Cut Pro offers robust features and a modern interface, but its complexity can overwhelm beginners, especially those shifting from simpler programs like iMovie. You’ll need time to master its extensive functionality, including advanced color grading and audio editing tools. The unique trackless timeline can additionally pose difficulties, as it deviates from traditional timelines you’re used to. Although there are many tutorials and resources available, becoming proficient requires a substantial time investment. Furthermore, if your device is lower-end, you might face performance issues that complicate your learning experience even further. System Resource Requirements As you navigate the learning curve of video editing software, comprehension of the system resource requirements for Final Cut Pro is vital for a smooth editing experience. To guarantee peak performance, here are the key requirements: Operating System: You need macOS 11.5 or later for compatibility with recent Apple hardware. RAM and Storage: A minimum of 4GB of RAM is required, but 8GB is recommended. Furthermore, confirm you have at least 3.8GB of available storage for installation, with extra space for your media files. Processor: It’s critical to have at least an Intel Core i5 processor or Apple M1 chip to efficiently handle high-resolution video files and multitasking. Meeting these requirements will help you maximize your editing potential. Shotcut Shotcut stands out as a robust option for beginners venturing into video editing. As an open-source software, it’s completely free to use, removing any financial barriers. It supports a wide array of video formats and provides crucial features like timeline editing, audio mixing, and video effects, all without watermarks on exported videos. Its user-friendly interface simplifies navigation, making it ideal for newcomers. Furthermore, Shotcut includes advanced tools such as 4K resolution support, chroma keying, and a rich selection of filters and changes, allowing you to create professional-looking content. Being a cross-platform application, it works seamlessly on Windows, macOS, and Linux, ensuring that you can edit videos on your preferred operating system without compatibility issues. HitFilm Express HitFilm Express is an excellent choice for beginners interested in video editing and visual effects. This free software provides a robust platform for aspiring filmmakers and YouTubers, allowing you to create high-quality content without a subscription. You’ll benefit from features like: 3D Compositing: Enables complex visual storytelling. Robust Audio Mixer: Guarantees your sound quality matches your visuals. Wide Range of Visual Effects: Offers professional touches to your projects. Its user-friendly interface makes it accessible, whereas its support for multiple video formats caters to various needs. Plus, with a strong community and countless tutorials, you can quickly learn and master its features. As you advance, you can purchase additional effects and packs to elevate your editing experience. Frequently Asked Questions Which Program Is the Best for Video Editing for Beginners? When you’re looking for the best video editing program for beginners, consider user-friendly options like CyberLink PowerDirector and Wondershare Filmora. Both offer intuitive interfaces and crucial features, making them suitable for novices. If you’re a Mac user, iMovie is a free choice that integrates well with Apple devices. Furthermore, Adobe Premiere Elements provides guided edits, whereas CapCut simplifies mobile editing with trendy effects. Evaluate your needs to choose the right fit for your projects. What Do Most Youtubers Use to Edit? Most YouTubers prefer Adobe Premiere Pro because of its professional features and collaborative tools, setting the industry standard. Nevertheless, many likewise choose CyberLink PowerDirector for its user-friendly interface and speed. Mac users often opt for iMovie, as it’s free and easy to navigate. For those seeking robust options without cost, DaVinci Resolve is popular. Finally, CapCut attracts mobile creators with its trendy effects and social media-focused features, making it ideal for quick edits. Which Editor Is Best for Beginners? When choosing a video editor as a beginner, you’ll want software that’s user-friendly and feature-rich. CyberLink PowerDirector offers a straightforward interface and fast rendering. Wondershare Filmora stands out for its intuitive design and helpful effects. If you prefer a clear layout, Movavi Video Editor is versatile and supports various formats. For Mac users, iMovie is a solid free option, whereas Adobe Premiere Elements provides guided edits for those aiming to advance their skills. What Is the Most Simple Video Editor? The most simple video editor for newcomers is iMovie, as it’s free and offers an intuitive interface with fundamental tools like trimming and shifts. Wondershare Filmora likewise stands out with its drag-and-drop functionality, making editing straightforward. Movavi Video Editor’s clear layout helps you quickly learn basic techniques. If you prefer web-based options, Clipchamp provides user-friendly templates, whereas CyberLink EnergyDirector guarantees quick rendering, catering to those wanting efficiency without a steep learning curve. Conclusion In conclusion, choosing the right video editing software as a beginner can greatly improve your editing experience. Each option, from CyberLink PowerDirector to free alternatives like Shotcut, offers unique features customized to ease of use and learning. As you progress, consider advanced tools like DaVinci Resolve or Adobe Premiere Elements for more extensive capabilities. By selecting software that matches your skill level, you’ll be better equipped to create polished videos that meet your creative vision. Image via Google Gemini This article, "Top 10 Best Video Editing Software for Beginners" was first published on Small Business Trends View the full article

If you’re new to video editing, choosing the right software can greatly influence your learning curve and overall experience. Several user-friendly options cater to beginners, each offering unique features and interfaces. Programs like CyberLink PowerDirector and Wondershare Filmora stand out for their intuitive designs and ease of use. Meanwhile, free alternatives like Shotcut and HitFilm Express provide robust tools without the cost. Let’s explore these options further and identify which software might best suit your needs. Key Takeaways User-Friendly Interfaces: Look for software like Wondershare Filmora and Movavi Video Editor that prioritize intuitive navigation and drag-and-drop functionality for seamless use. Extensive Feature Sets: Choose programs that offer a variety of effects and tools, such as CyberLink PowerDirector and HitFilm Express, to enhance your editing. Budget-Friendly Options: Consider free or affordable software like Shotcut, iMovie, and HitFilm Express that provide powerful features without breaking the bank. Performance and Compatibility: Ensure the software works well on your system; options like Clipchamp are browser-based and accessible on various devices. Learning Resources: Select video editors with ample tutorials and community support, such as DaVinci Resolve and Wondershare Filmora, to aid your learning process. CyberLink PowerDirector When you’re starting out in video editing, CyberLink PowerDirector stands out as a user-friendly option that caters to both novices and seasoned editors. It’s often recommended as one of the best video editing software for beginners owing to its sleek interface and wide range of features. Compatible with both Windows and Mac, it offers fast rendering speeds and effective timeline scrubbing, enhancing your editing experience. With a monthly subscription at $19.99 or an annual option for $54.99, you have flexibility in payment. Plus, a free trial lets you explore its capabilities, including motion tracking and 360-degree video editing. In the video editing software comparison, PowerDirector consistently ranks highly for its versatility and accessibility. Wondershare Filmora Wondershare Filmora offers a user-friendly interface that makes video editing accessible for beginners. With an extensive feature set that includes motion tracking and chroma-keying, you can create professional-looking videos without feeling overwhelmed. This software not only supports various formats for easy sharing but likewise provides budget-friendly pricing options to suit your needs. User-Friendly Interface For those new to video editing, having a user-friendly interface can make all the difference in the learning experience. Wondershare Filmora stands out as one of the best video editing programs for beginners, thanks to its intuitive design. You’ll find features like drag-and-drop functionality, which allows you to import and arrange clips seamlessly. Furthermore, helpful popups and guided tutorials guarantee you understand how to use the software effectively. The clean layout categorizes tools and effects to reduce confusion, enhancing your workflow. Here’s a quick overview: Feature Description Drag-and-Drop Simplifies importing and arranging clips Guided Tutorials Helps you learn features quickly Built-in Effects Offers a range of transitions and filters Whether you’re vlogging or exploring free VFX software, Filmora makes editing easy. Extensive Feature Set As you immerse yourself in video editing, you’ll quickly discover that an extensive feature set can greatly augment your creative options and streamline your workflow. Wondershare Filmora stands out with its user-friendly tools that cater to beginners, allowing you to explore various editing techniques effortlessly. Here are three notable features: Over 300 Effects: Access a vast library of transitions, filters, and overlays to enrich your videos creatively. Multiple Formats: Import and export in various formats, ensuring versatility for all your projects. Intuitive Tools: Utilize drag-and-drop functionality alongside advanced features like motion tracking and audio ducking, making your editing process efficient and effective. With built-in tutorials, you’ll quickly master these features, elevating your video editing skills. Movavi Video Editor If you’re looking for video editing software that’s perfect for beginners, Movavi Video Editor stands out with its user-friendly interface designed to simplify the editing process. You can easily navigate its tools, ensuring a seamless editing experience. The software supports a wide range of input and output formats, making it versatile for various projects. With an array of transitions, filters, and effects, you can improve the visual appeal of your videos without needing advanced skills. Furthermore, Movavi provides crucial tools for color correction and stabilization, ensuring high-quality output. Its straightforward timeline and drag-and-drop functionality make it easy to master, helping novice editors create professional-looking results in no time. Imovie iMovie serves as an ideal video editing solution for Apple users, offering a free and accessible platform pre-installed on Mac, iPhone, and iPad devices. Its user-friendly interface, combined with advanced tools, makes it perfect for beginners. Here are three key features you’ll appreciate: Chroma-keying and Video Stabilization: These tools allow for more professional-looking edits, enhancing your video quality considerably. 4K Video Support: Edit high-resolution videos seamlessly, ensuring your final product is sharp and clear. iCloud Integration: Access and edit your projects across different Apple devices effortlessly. However, keep in mind that iMovie is limited to Apple hardware, which means Windows users won’t be able to utilize this software. DaVinci Resolve For those looking to improve their video editing skills beyond the basics, DaVinci Resolve stands out as a robust option. It offers a thorough set of professional-grade tools, including advanced color correction and visual effects, making it suitable for both beginners and experienced editors. The software’s generous free version comes without watermarks, allowing you to explore a wide range of features at no cost. Known for its blazing-fast render speeds, DaVinci Resolve optimizes performance through GPU hardware acceleration. Its intuitive user interface aids in easy navigation, featuring dual video preview windows and a flexible timeline. Furthermore, an extensive library of tutorials and community support helps you master the software quickly. Feature Description Benefit Free Version No watermarks and extensive features Ideal for beginners GPU Acceleration Optimized performance for editing Faster rendering speeds User Interface Intuitive design with dual preview windows Easy navigation Clipchamp Clipchamp offers a user-friendly, browser-based video editing experience that caters to beginners and those without access to high-end hardware. It’s perfect for creating and editing videos efficiently, particularly for social media. Here are some key features that make it appealing: Free Tier: Access crucial features, including templates and AI-powered tools, without upfront costs. Multi-Track Editing: Edit videos using multiple tracks for more complex projects, enhancing your storytelling capabilities. Stock Assets Library: Utilize a library of stock images and videos to enrich your content, even if premium assets may require a subscription. The free version supports 1080p exports, making it a practical choice for quick and high-quality video production. Adobe Premiere Elements Adobe Premiere Elements stands out as a user-friendly video editing software designed particularly for beginners, making it an excellent choice for those who want to develop their editing skills without overwhelming complexity. With guided edits and AI tools, you can simplify the editing process and create polished videos quickly. Available for a one-time purchase, it offers three years of use at a competitive price compared to subscription options. Premiere Elements supports various content types, ideal for social media and personal projects. It’s compatible with both Windows and Mac, ensuring accessibility for all novice editors. Feature Description Guided Edits Step-by-step assistance for beginners Auto-Editing Quick creation of polished videos Content Variety Suitable for social media and personal projects Purchase Model One-time payment for three years of access Compatibility Works on both Windows and Mac Final Cut Pro Final Cut Pro offers a range of professional editing tools that can enhance your video projects, but it does come with a learning curve. Although the modern interface is user-friendly, mastering its advanced features may require some time and practice. Furthermore, you’ll need a Mac with adequate system resources to guarantee smooth performance, especially when working with high-resolution footage. Professional Editing Tools When you’re looking to improve your video editing skills, professional tools like Final Cut Pro can provide the depth and flexibility you need. This software is particularly appealing for those moving from simpler programs, thanks to its modern, trackless timeline. Here are three standout features: AI-Powered Scene Removal Mask: This advanced tool streamlines the editing process by allowing you to easily isolate and remove unwanted elements from your footage. Multicam Editing: Final Cut Pro makes it simple to edit projects filmed from multiple angles, giving you more creative control. Optimized for macOS: Its seamless integration with Apple hardware guarantees smooth performance, making it a top choice for Mac users looking for professional capabilities. Learning Curve Challenges During the shift to a more advanced video editing software, many users encounter significant learning curve challenges that can be intimidating. Final Cut Pro offers robust features and a modern interface, but its complexity can overwhelm beginners, especially those shifting from simpler programs like iMovie. You’ll need time to master its extensive functionality, including advanced color grading and audio editing tools. The unique trackless timeline can additionally pose difficulties, as it deviates from traditional timelines you’re used to. Although there are many tutorials and resources available, becoming proficient requires a substantial time investment. Furthermore, if your device is lower-end, you might face performance issues that complicate your learning experience even further. System Resource Requirements As you navigate the learning curve of video editing software, comprehension of the system resource requirements for Final Cut Pro is vital for a smooth editing experience. To guarantee peak performance, here are the key requirements: Operating System: You need macOS 11.5 or later for compatibility with recent Apple hardware. RAM and Storage: A minimum of 4GB of RAM is required, but 8GB is recommended. Furthermore, confirm you have at least 3.8GB of available storage for installation, with extra space for your media files. Processor: It’s critical to have at least an Intel Core i5 processor or Apple M1 chip to efficiently handle high-resolution video files and multitasking. Meeting these requirements will help you maximize your editing potential. Shotcut Shotcut stands out as a robust option for beginners venturing into video editing. As an open-source software, it’s completely free to use, removing any financial barriers. It supports a wide array of video formats and provides crucial features like timeline editing, audio mixing, and video effects, all without watermarks on exported videos. Its user-friendly interface simplifies navigation, making it ideal for newcomers. Furthermore, Shotcut includes advanced tools such as 4K resolution support, chroma keying, and a rich selection of filters and changes, allowing you to create professional-looking content. Being a cross-platform application, it works seamlessly on Windows, macOS, and Linux, ensuring that you can edit videos on your preferred operating system without compatibility issues. HitFilm Express HitFilm Express is an excellent choice for beginners interested in video editing and visual effects. This free software provides a robust platform for aspiring filmmakers and YouTubers, allowing you to create high-quality content without a subscription. You’ll benefit from features like: 3D Compositing: Enables complex visual storytelling. Robust Audio Mixer: Guarantees your sound quality matches your visuals. Wide Range of Visual Effects: Offers professional touches to your projects. Its user-friendly interface makes it accessible, whereas its support for multiple video formats caters to various needs. Plus, with a strong community and countless tutorials, you can quickly learn and master its features. As you advance, you can purchase additional effects and packs to elevate your editing experience. Frequently Asked Questions Which Program Is the Best for Video Editing for Beginners? When you’re looking for the best video editing program for beginners, consider user-friendly options like CyberLink PowerDirector and Wondershare Filmora. Both offer intuitive interfaces and crucial features, making them suitable for novices. If you’re a Mac user, iMovie is a free choice that integrates well with Apple devices. Furthermore, Adobe Premiere Elements provides guided edits, whereas CapCut simplifies mobile editing with trendy effects. Evaluate your needs to choose the right fit for your projects. What Do Most Youtubers Use to Edit? Most YouTubers prefer Adobe Premiere Pro because of its professional features and collaborative tools, setting the industry standard. Nevertheless, many likewise choose CyberLink PowerDirector for its user-friendly interface and speed. Mac users often opt for iMovie, as it’s free and easy to navigate. For those seeking robust options without cost, DaVinci Resolve is popular. Finally, CapCut attracts mobile creators with its trendy effects and social media-focused features, making it ideal for quick edits. Which Editor Is Best for Beginners? When choosing a video editor as a beginner, you’ll want software that’s user-friendly and feature-rich. CyberLink PowerDirector offers a straightforward interface and fast rendering. Wondershare Filmora stands out for its intuitive design and helpful effects. If you prefer a clear layout, Movavi Video Editor is versatile and supports various formats. For Mac users, iMovie is a solid free option, whereas Adobe Premiere Elements provides guided edits for those aiming to advance their skills. What Is the Most Simple Video Editor? The most simple video editor for newcomers is iMovie, as it’s free and offers an intuitive interface with fundamental tools like trimming and shifts. Wondershare Filmora likewise stands out with its drag-and-drop functionality, making editing straightforward. Movavi Video Editor’s clear layout helps you quickly learn basic techniques. If you prefer web-based options, Clipchamp provides user-friendly templates, whereas CyberLink EnergyDirector guarantees quick rendering, catering to those wanting efficiency without a steep learning curve. Conclusion In conclusion, choosing the right video editing software as a beginner can greatly improve your editing experience. Each option, from CyberLink PowerDirector to free alternatives like Shotcut, offers unique features customized to ease of use and learning. As you progress, consider advanced tools like DaVinci Resolve or Adobe Premiere Elements for more extensive capabilities. By selecting software that matches your skill level, you’ll be better equipped to create polished videos that meet your creative vision. Image via Google Gemini This article, "Top 10 Best Video Editing Software for Beginners" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. There's something extra satisfying about starting a new year with an upgrade that actually makes a difference in your daily routine. After years of relying on my traditional percussive massage guns, I've made the switch to the Rally Orbital Massager. And one by one, my friends have started following in my footsteps to make the same move. Hey, there's something validating about watching people you trust independently come to the same conclusion. Why I love the Rally Orbital MassagerDon't get me wrong—my Theragun still serves me well. It's been a reliable companion after workouts, helping ease tension and speed up recovery. But with the Rally, the orbital motion technology sets it apart immediately. Instead of the percussive hammering that defines traditional massage guns, the Rally uses a circular, multi-directional approach that feels more like the hands of a skilled massage therapist. (Or like a car buffer, as the founders described it to me on a phone call.) I'm simply more likely to reach for a device that feels good to use, rather than one that hurts. It's a game-changer for consistency. With my old massage gun, I'd psyche myself out before sessions: "Do I really need this? Can I handle the intensity right now?" With the Rally, there's no mental barrier. I can use it while watching TV, during work breaks, or as part of my bedtime routine, without dreading the experience. At the same time, let me be upfront: At regularly $499 (and currently on sale for $399), the Rally Orbital Massager isn't cheap. It's a significant step up in price from most massage guns on the market, including the Theragun. It's probably not an impulse buy. Still, it's an investment that helps me maintain the active lifestyle I value. Rally Orbital Massager $499.00 at Amazon Get Deal Get Deal $499.00 at Amazon The bottom lineStarting 2026 with this upgrade feels right. My Theragun will still have a place in my recovery arsenal—it's way too useful to completely retire—but the Rally has quickly become my go-to device. The difference in how my muscles feel, the reduction in soreness, and the overall quality of the recovery experience have made it worth every penny. If you're serious about recovery and you're in a position to make the investment, I'd encourage you to at least try one. Based on my friend group's conversion rate, there's a good chance you'll be joining the Rally revolution too. Here's to a year of better recovery, less soreness, and smarter investments in our health. View the full article

A new year has brought a new pay rate for more than 8.3 million Americans. The minimum wage is going up in 19 states this week, with workers in Hawaii earning as much as $2 more an hour. Collectively, these pay increases will boost paychecks by a total of $5 billion, according to the Economic Policy Institute. While the federal minimum wage of $7.25 per hour hasn’t budged in nearly two decades, and still applies in eight states, many states and cities have steadily been increasing their minimum wages to well over double that amount. Seattle’s minimum wage, at $21.30 per hour, is now nearly triple that federal threshold. As is the case with Seattle, 47 cities and counties around the country have also increased their minimum wages, effective January 1. Here’s a look at what’s changed. PAY IS GOING UP MOST IN HAWAII Hawaii leads the 19 states with the biggest pay increase for workers this year, as its minimum wage has jumped to $16 per hour, up from $14 previously. And more than 21% of its workforce will benefit from this new legislation, according to the Economic Policy Institute. But not all pay increases are alike. Several states have increased their minimum wages by less than 50 cents an hour—an amount that adds up to a difference of only several hundred dollars per year in gross earnings. Minnesota workers are only seeing a 28 cent hourly increase, for example. Arizona 2026 minimum wage: $15.15, up 45 cents from $14.70 in 2025 California 2026 minimum wage: $16.90, up 40 cents from $16.50 in 2025 Colorado 2026 minimum wage: $15.16, up 35 cents from $14.81 in 2025 Connecticut 2026 minimum wage: $16.94, up 59 cents from $16.35 in 2025 Hawaii 2026 minimum wage: $16, up $2 from $14 in 2025 Maine 2026 minimum wage: $15.10, up 45 cents from $14.65 in 2025 Michigan 2026 minimum wage: $13.73, up $1.25 from $12.48 in 2025 Minnesota 2026 minimum wage: $11.41, up 28 cents from $11.13 in 2025 Missouri 2026 minimum wage: $15, up $1.25 from $13.75 in 2025 Montana 2026 minimum wage: $10.85, up 30 cents from $10.55 in 2025 Nebraska 2026 minimum wage: $15, up $1.50 from $13.50 in 2025 New Jersey 2026 minimum wage: $15.92, up 43 cents from $15.49 in 2025 New York 2026 minimum wage: $16, up 50 cents from $15.50 in 2025 Ohio 2026 minimum wage: $11, up 30 cents from $10.70 in 2025 Rhode Island 2026 minimum wage: $16, up $1 from $15 in 2025 South Dakota 2026 minimum wage: $11.85, up 35 cents from $11.50 in 2025 Vermont 2026 minimum wage: $14.42, up 41 cents from $14.01 in 2025 Virginia 2026 minimum wage: $12.77, up 36 cents from $12.41 in 2025 Washington 2026 minimum wage: $17.13, up 47 cents from $16.66 in 2025 WASHINGTON CITIES LEAD WITH HIGHEST PAY The $21.30 per hour minimum wage that went into effect in Seattle this week isn’t even the highest in Washington—the pay in several localities are even higher. In Tukwila and Burlen, two Seattle suburbs, certain employers must pay workers a minimum of $21.65 and $21.63, respectively, in 2026. While some cities, like San Francisco and Los Angeles, updated their minimum wage thresholds at the mid-year mark, most opt for pay changes to coincide with the calendar shange. Some localities explicitly tie their increases to inflation, as measured by the consumer price index that grew at a less-than-3% rate in 2025. Workers in major metropolitan areas can potentially earn several dollars more than the state’s minimum wage. Employers in the following cities must pay their workers more this week. New York City, Long Island, and Westchester 2026 minimum wage: $17, up $1 from $16 in 2025 San Jose 2026 minimum wage: $18.45, up 50 cents from $18.95 in 2025 Denver 2026 minimum wage: $19.29, up 48 cents from $18.81 in 2025 Minneapolis 2026 minimum wage: $16.37, up 40 cents from $15.97 in 2025 View the full article

We may earn a commission from links on this page. Winter weather can be miserable, but there is one huge perk: snowball fights. Any time a deep carpet of snow gets dumped on us, you can count on a bunch of kids (or young-at-heart adults) engaging in epic snowball fights, sometimes involving surprisingly well-engineered snow forts and sophisticated tactics. This is the 21st century, however—if you’re still fighting your snowball fights with nothing but your bare hands and a sense of determination, you’re missing out. We can’t all be Buddy the Elf, shotgunning perfectly made snowballs like some sort of winter weather Terminator—but we can invest in some of the most fun snowball tech money can buy. If you’re looking to dominate your neighborhood’s winter wars (or put some snowball-tossing whippersnappers in their place), here’s what to buy. Snowball makersYour first step is to up your snowball-making game. A cosmetically pleasing, perfectly spherical snowball is your first step toward snowball fight dominance. This set of simple snowball forms will make it easy to stockpile perfect snowballs in just a few minutes. If you don’t have a few minutes because you’re already under attack, you might turn to this 5-in-1 snowball maker that will let you quickly amass some serious firepower. If you want to get a little more whimsical, you can also pick up snowball-making sets that include other shapes, like ducks or hearts, if that’s your jam. Snow throwersOnce you have your snowballs assembled, you’ll need something to augment your throwing power. This Snow Trac Ball (or these) can launch snowballs a lot further than you can with just your arm—up to 150 feet away. They also come with built-in snowball makers, so when you run out of your initial supply, you can quickly make and deploy fresh snowballs without missing a beat. Snowball launchersThrowing snowballs either bare-knuckled or using an implement is all well and good, but what if your opponents are serious about their snowball fighting? If you need more firepower, this Snowball Blaster is just what you need—load a snowball into the front, pull back the firing mechanism, take aim, and destroy your enemies. Want to keep things a little more primitive? This snowball slingshot keeps it simple—load a snowball, take aim, and launch for victory (this kit even comes with dye to color-code your snowballs in case you’re trying to keep score). Or go medieval on your enemies with this very cool Snow Crossbow, which even comes with a target so you can practice decimating your enemies. Wham-O Artic Force Snowball Blaster with Detachable Snowball Maker | Comfortable Handle for Accuracy & Control | Easy toAim, Green $35.00 at Amazon $39.99 Save $4.99 Learn More Learn More $35.00 at Amazon $39.99 Save $4.99 DefenseNo one wants a snowball to the face, so having a snowball shield on hand can keep you dry and unscathed while you rain snowballs on your opponents. Of course, this doesn’t have to be a snowball-specific shield—just about any plastic shield will help protect you from the snowballs being thrown your way. Bonus: IndoorItching to have a snowball fight, but you live in a warm-weather area that hasn’t seen snow in decades? Or there just hasn’t been enough snowfall? Or it’s summer? Get yourself an indoor snowball fight kit and go to town. While you won’t get the visceral joy of smashing snow into someone’s head from a distance, you can replicate just about everything else that’s fun about snowball fights without the cold, damp, or, you know, snow. Throw in some couch-cushion forts and you have a guaranteed good time. View the full article

So much of bubble activity is driven by feedback loops, dubbed reflexivity by the well-known investorView the full article